<SEC-DOCUMENT>0001050743-22-000009.txt : 20220812
<SEC-HEADER>0001050743-22-000009.hdr.sgml : 20220812
<ACCEPTANCE-DATETIME>20220812095938
ACCESSION NUMBER:		0001050743-22-000009
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20220630
FILED AS OF DATE:		20220812
DATE AS OF CHANGE:		20220812
EFFECTIVENESS DATE:		20220812

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:		221158325

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

	MAIL ADDRESS:	
		STREET 1:		500 HILLS DRIVE
		CITY:			BEDMINSTER
		STATE:			NJ
		ZIP:			07921
</SEC-HEADER>
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<TYPE>13F-HR
<SEQUENCE>1
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      <periodOfReport>06-30-2022</periodOfReport>
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        <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>
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      <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>Bedmins ter</city>
      <stateOrCountry>NJ</stateOrCountry>
      <signatureDate>08-12-2022</signatureDate>
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    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>1824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9258</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>717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9237</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>260557103</cusip>
    <value>470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>9037</Sole>
      <Shared>0</Shared>
      <None>64</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS STPLS</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>656</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>FRANKLIN RESOURCES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>354613101</cusip>
    <value>211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9085</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>804</Sole>
      <Shared>0</Shared>
      <None>8281</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORTEVA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22052L104</cusip>
    <value>491</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9077</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>652</Sole>
      <Shared>0</Shared>
      <None>8425</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00130H105</cusip>
    <value>2362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112418</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3300</Sole>
      <Shared>0</Shared>
      <None>109118</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHURCH &amp; DWIGHT CO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>171340102</cusip>
    <value>836</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9018</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8982</Sole>
      <Shared>0</Shared>
      <None>36</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AFLAC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>001055102</cusip>
    <value>613</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1673</Sole>
      <Shared>0</Shared>
      <None>9392</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELEVANCE HEALTH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>036752103</cusip>
    <value>4351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9016</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>8916</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SYLVAMO CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>871332102</cusip>
    <value>291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8906</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8821</Sole>
      <Shared>0</Shared>
      <None>85</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEYERHAEUSER CO MTN BE</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>962166104</cusip>
    <value>295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8904</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR PRODS &amp; CHEMS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>009158106</cusip>
    <value>17720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73686</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>72968</Sole>
      <Shared>0</Shared>
      <None>718</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR PRODS &amp; CHEMS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>009158106</cusip>
    <value>3174</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>12900</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR PRODS &amp; CHEMS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>009158106</cusip>
    <value>10096</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41983</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40523</Sole>
      <Shared>0</Shared>
      <None>1460</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AVERY DENNISON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>053611109</cusip>
    <value>1422</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8785</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8785</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANADIAN PAC RY LTD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>13645T100</cusip>
    <value>612</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8762</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8562</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALAMOS GOLD INC NEW</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>011532108</cusip>
    <value>80</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11422</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11422</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SML CP GRW ETF</titleOfClass>
    <cusip>922908595</cusip>
    <value>1721</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8734</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>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>1099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8648</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>521</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8636</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5580</Sole>
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      <None>3056</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PERFORMANCE FOOD GROUP CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>71377A103</cusip>
    <value>395</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8600</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JONES LANG LASALLE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>48020Q107</cusip>
    <value>1497</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>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR CORE</nameOfIssuer>
    <titleOfClass>S&amp;P500 ETF</titleOfClass>
    <cusip>464287200</cusip>
    <value>3231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8523</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>LARGE CAP ETF</titleOfClass>
    <cusip>922908637</cusip>
    <value>1458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8458</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>ALEXANDRIA REAL ESTATE EQ IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>015271109</cusip>
    <value>2655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18308</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15675</Sole>
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      <None>2633</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SP SMCP600VL ETF</titleOfClass>
    <cusip>464287879</cusip>
    <value>751</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8438</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EOG RES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26875P101</cusip>
    <value>930</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8428</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4875</Sole>
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      <None>3553</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR TR</nameOfIssuer>
    <titleOfClass>UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>3144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>HALOZYME THERAPEUTICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>40637H109</cusip>
    <value>367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8333</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8000</Sole>
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      <None>333</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLEGHANY CORP MD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>017175100</cusip>
    <value>148059</value>
    <shrsOrPrnAmt>
      <sshPrnamt>177720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>177720</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MPLX LP</nameOfIssuer>
    <titleOfClass>COM UNIT REP LTD</titleOfClass>
    <cusip>55336V100</cusip>
    <value>243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8330</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
    <titleOfClass>COM STK</titleOfClass>
    <cusip>806857108</cusip>
    <value>297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7295</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>369604301</cusip>
    <value>523</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7417</Sole>
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      <None>796</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLSPRING MULTI SECTOR INCOM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>94987D101</cusip>
    <value>801</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83678</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>83678</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>020002101</cusip>
    <value>6498</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>49533</Sole>
      <Shared>0</Shared>
      <None>1739</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMBECTA CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>29082K105</cusip>
    <value>207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8109</Sole>
      <Shared>0</Shared>
      <None>66</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC</nameOfIssuer>
    <titleOfClass>CAP STK CL C</titleOfClass>
    <cusip>02079K107</cusip>
    <value>39256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17946</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>17270</Sole>
      <Shared>0</Shared>
      <None>676</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METLIFE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>59156R108</cusip>
    <value>510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8125</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENBRIDGE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29250N105</cusip>
    <value>343</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4983</Sole>
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      <None>3125</None>
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      <Sole>28209</Sole>
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    <titleOfClass>COM</titleOfClass>
    <cusip>56585A102</cusip>
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      <sshPrnamt>8094</sshPrnamt>
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    <votingAuthority>
      <Sole>429</Sole>
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      <None>7665</None>
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    <cusip>464288281</cusip>
    <value>679</value>
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      <sshPrnamt>7962</sshPrnamt>
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    <votingAuthority>
      <Sole>7858</Sole>
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      <None>104</None>
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    <value>1071</value>
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      <sshPrnamt>7921</sshPrnamt>
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      <Sole>7857</Sole>
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      <None>64</None>
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    <cusip>02209S103</cusip>
    <value>528</value>
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      <sshPrnamt>12643</sshPrnamt>
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      <Sole>12304</Sole>
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      <None>339</None>
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    <cusip>02209S103</cusip>
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      <sshPrnamt>61387</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11156</Sole>
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      <None>50231</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>89832Q109</cusip>
    <value>373</value>
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      <sshPrnamt>7870</sshPrnamt>
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    <votingAuthority>
      <Sole>7148</Sole>
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      <None>722</None>
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    <value>20551</value>
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      <sshPrnamt>193498</sshPrnamt>
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    <votingAuthority>
      <Sole>176400</Sole>
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      <None>17098</None>
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    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>459200101</cusip>
    <value>1099</value>
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      <sshPrnamt>7784</sshPrnamt>
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    <votingAuthority>
      <Sole>7434</Sole>
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      <None>350</None>
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      <sshPrnamt>58191</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>51611</Sole>
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      <None>6580</None>
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    <nameOfIssuer>AMBEV SA</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>02319V103</cusip>
    <value>104</value>
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      <sshPrnamt>41524</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>41524</None>
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    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>02319V103</cusip>
    <value>112</value>
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      <sshPrnamt>44725</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>44725</None>
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    <nameOfIssuer>SANDERSON FARMS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>800013104</cusip>
    <value>1677</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7781</sshPrnamt>
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      <Sole>0</Sole>
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      <None>7781</None>
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    <nameOfIssuer>SANOFI</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>80105N105</cusip>
    <value>389</value>
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      <sshPrnamt>7769</sshPrnamt>
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    <votingAuthority>
      <Sole>1528</Sole>
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      <None>6241</None>
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    <nameOfIssuer>AMERICA MOVIL SAB DE CV</nameOfIssuer>
    <titleOfClass>SPON ADR L SHS</titleOfClass>
    <cusip>02364W105</cusip>
    <value>1461</value>
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      <sshPrnamt>71530</sshPrnamt>
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    <votingAuthority>
      <Sole>0</Sole>
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      <None>71530</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>595112103</cusip>
    <value>428</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7734</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2471</Sole>
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      <None>5263</None>
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    <nameOfIssuer>ROYAL CARIBBEAN GROUP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>V7780T103</cusip>
    <value>268</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7716</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
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      <None>7416</None>
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    <nameOfIssuer>CITIZENS FINL GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>174610105</cusip>
    <value>274</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7675</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7675</Sole>
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      <None>0</None>
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    <nameOfIssuer>ARROW ELECTRS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>042735100</cusip>
    <value>859</value>
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      <sshPrnamt>7663</sshPrnamt>
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    <votingAuthority>
      <Sole>50</Sole>
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      <None>7613</None>
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    <nameOfIssuer>LOWES COS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>548661107</cusip>
    <value>1330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7617</sshPrnamt>
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    <votingAuthority>
      <Sole>4059</Sole>
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      <None>3558</None>
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    <nameOfIssuer>AMERICAN ELEC PWR CO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>025537101</cusip>
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      <sshPrnamt>29069</sshPrnamt>
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      <Sole>28680</Sole>
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    <nameOfIssuer>PEMBINA PIPELINE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>706327103</cusip>
    <value>269</value>
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      <sshPrnamt>7600</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7600</Sole>
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      <None>0</None>
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    <nameOfIssuer>ALPHABET INC CAP STK</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>02079K305</cusip>
    <value>16548</value>
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      <sshPrnamt>7593</sshPrnamt>
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    <votingAuthority>
      <Sole>6863</Sole>
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      <None>730</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>025816109</cusip>
    <value>3834</value>
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      <sshPrnamt>27661</sshPrnamt>
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      <Sole>27251</Sole>
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      <None>410</None>
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    <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26614N102</cusip>
    <value>421</value>
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      <Sole>7516</Sole>
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      <None>64</None>
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    <nameOfIssuer>AMERICAN INTL GROUP INC</nameOfIssuer>
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    <cusip>026874784</cusip>
    <value>1308</value>
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      <sshPrnamt>25572</sshPrnamt>
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    <votingAuthority>
      <Sole>697</Sole>
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      <None>24875</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>842587107</cusip>
    <value>536</value>
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    <votingAuthority>
      <Sole>4083</Sole>
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      <None>3445</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE SML CP ETF</titleOfClass>
    <cusip>464288273</cusip>
    <value>411</value>
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      <sshPrnamt>7525</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>AMERICAN TOWER CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03027X100</cusip>
    <value>14846</value>
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    <cusip>670346105</cusip>
    <value>786</value>
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      <Sole>7525</Sole>
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      <None>0</None>
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    <nameOfIssuer>AMERICAN WTR WKS CO INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>030420103</cusip>
    <value>7740</value>
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    <votingAuthority>
      <Sole>48765</Sole>
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      <None>3256</None>
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    <nameOfIssuer>CORNING INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>219350105</cusip>
    <value>236</value>
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      <sshPrnamt>7514</sshPrnamt>
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    <votingAuthority>
      <Sole>2426</Sole>
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      <None>5088</None>
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    <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89417E109</cusip>
    <value>1269</value>
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      <sshPrnamt>7505</sshPrnamt>
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      <Sole>7505</Sole>
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      <None>0</None>
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    <nameOfIssuer>TEXTRON INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>883203101</cusip>
    <value>458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7500</Sole>
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      <None>0</None>
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    <nameOfIssuer>AMGEN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>031162100</cusip>
    <value>18795</value>
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      <sshPrnamt>77252</sshPrnamt>
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    <votingAuthority>
      <Sole>74774</Sole>
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      <None>2478</None>
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    <nameOfIssuer>COMERICA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>200340107</cusip>
    <value>543</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7401</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4</Sole>
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      <None>7397</None>
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    <nameOfIssuer>WHIRLPOOL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>963320106</cusip>
    <value>1144</value>
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      <sshPrnamt>7385</sshPrnamt>
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    <votingAuthority>
      <Sole>33</Sole>
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      <None>7352</None>
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    <nameOfIssuer>AMNEAL PHARMACEUTICALS INC</nameOfIssuer>
    <titleOfClass>COM STK CL A</titleOfClass>
    <cusip>03168L105</cusip>
    <value>74</value>
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      <sshPrnamt>23189</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20327</Sole>
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      <None>2862</None>
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    <nameOfIssuer>SMUCKER J M CO</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>832696405</cusip>
    <value>939</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7333</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5544</Sole>
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      <None>1789</None>
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  <infoTable>
    <nameOfIssuer>ANALOG DEVICES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>032654105</cusip>
    <value>4720</value>
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      <sshPrnamt>32307</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>31741</Sole>
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      <None>566</None>
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    <nameOfIssuer>CONSOLIDATED EDISON INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>209115104</cusip>
    <value>697</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7326</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6726</Sole>
      <Shared>0</Shared>
      <None>600</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>38141G104</cusip>
    <value>2175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7321</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>193</Sole>
      <Shared>0</Shared>
      <None>7128</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ANHEUSER BUSCH INBEV SA/NV</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>03524A108</cusip>
    <value>959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17782</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17782</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ANI PHARMACEUTICALS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00182C103</cusip>
    <value>297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ANNALY CAPITAL MANAGEMENT IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>035710409</cusip>
    <value>433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73296</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>73296</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MICRON TECHNOLOGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>595112103</cusip>
    <value>395</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5820</Sole>
      <Shared>0</Shared>
      <None>1325</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ANYWHERE REAL ESTATE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75605Y106</cusip>
    <value>154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15631</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15631</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AON PLC</nameOfIssuer>
    <titleOfClass>SHS CL A</titleOfClass>
    <cusip>G0403H108</cusip>
    <value>7903</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29304</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>28505</Sole>
      <Shared>0</Shared>
      <None>799</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR CORE</nameOfIssuer>
    <titleOfClass>S&amp;P MCP ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>1612</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7127</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>APA CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03743Q108</cusip>
    <value>482</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13812</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13812</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EQUITY RESIDENTIAL</nameOfIssuer>
    <titleOfClass>SH BEN INT</titleOfClass>
    <cusip>29476L107</cusip>
    <value>512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7090</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>291011104</cusip>
    <value>563</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7079</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7079</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>037833100</cusip>
    <value>135143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>988462</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>975584</Sole>
      <Shared>0</Shared>
      <None>12878</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>037833100</cusip>
    <value>6691</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48941</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>48341</Sole>
      <Shared>0</Shared>
      <None>600</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>037833100</cusip>
    <value>45528</value>
    <shrsOrPrnAmt>
      <sshPrnamt>333006</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>304896</Sole>
      <Shared>0</Shared>
      <None>28110</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>APPLIED MATLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>038222105</cusip>
    <value>9047</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99444</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>97925</Sole>
      <Shared>0</Shared>
      <None>1519</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>INTERMED TERM</titleOfClass>
    <cusip>921937819</cusip>
    <value>549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7072</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7072</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLIED MATLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>038222105</cusip>
    <value>8596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>65776</Sole>
      <Shared>0</Shared>
      <None>28714</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF</titleOfClass>
    <cusip>464287614</cusip>
    <value>1543</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7056</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6635</Sole>
      <Shared>0</Shared>
      <None>421</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARSH &amp; MCLENNAN COS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>571748102</cusip>
    <value>1090</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7019</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4100</Sole>
      <Shared>0</Shared>
      <None>2919</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCHER DANIELS MIDLAND CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>039483102</cusip>
    <value>1424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18352</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18352</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 ETF</titleOfClass>
    <cusip>464287622</cusip>
    <value>1455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7005</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPROTT INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>852066208</cusip>
    <value>243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTERPOINT ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>15189T107</cusip>
    <value>207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6990</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6990</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARISTA NETWORKS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>040413106</cusip>
    <value>1200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12799</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>12799</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ESAB CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29605J106</cusip>
    <value>305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6962</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6962</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PERRIGO CO PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G97822103</cusip>
    <value>282</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6947</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6947</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IRON MTN INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46284V101</cusip>
    <value>337</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09247X101</cusip>
    <value>4197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6891</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6678</Sole>
      <Shared>0</Shared>
      <None>213</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>149123101</cusip>
    <value>1230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6881</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6881</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS S&amp;P 500 ETF</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>922908363</cusip>
    <value>2371</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6832</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6461</Sole>
      <Shared>0</Shared>
      <None>371</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARROW ELECTRS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>042735100</cusip>
    <value>3617</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32273</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>31702</Sole>
      <Shared>0</Shared>
      <None>571</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR LRGE CP CORE ALPHA</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>33734K109</cusip>
    <value>517</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLTOWER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>95040Q104</cusip>
    <value>555</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6742</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASA GOLD AND PRECIOUS MTLS L</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G3156P103</cusip>
    <value>3486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>237651</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>237651</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>655844108</cusip>
    <value>1525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6708</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5498</Sole>
      <Shared>0</Shared>
      <None>1210</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOOZ ALLEN HAMILTON HLDG COR</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>099502106</cusip>
    <value>601</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6648</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6648</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>025816109</cusip>
    <value>916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6604</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1860</Sole>
      <Shared>0</Shared>
      <None>4744</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>337738108</cusip>
    <value>585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6578</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6578</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68902V107</cusip>
    <value>464</value>
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      <sshPrnamt>6570</sshPrnamt>
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    <votingAuthority>
      <Sole>6320</Sole>
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      <None>250</None>
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    <nameOfIssuer>BECTON DICKINSON &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>075887109</cusip>
    <value>1613</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6544</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6044</Sole>
      <Shared>0</Shared>
      <None>500</None>
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    <nameOfIssuer>MERITOR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>59001K100</cusip>
    <value>237</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6513</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6513</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>ASTRAZENECA PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>046353108</cusip>
    <value>1858</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28111</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10707</Sole>
      <Shared>0</Shared>
      <None>17404</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>00206R102</cusip>
    <value>4177</value>
    <shrsOrPrnAmt>
      <sshPrnamt>199287</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>195610</Sole>
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      <None>3677</None>
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    <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00206R102</cusip>
    <value>568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27114</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>26114</Sole>
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      <None>1000</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>00206R102</cusip>
    <value>2499</value>
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      <sshPrnamt>119253</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26420</Sole>
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      <None>92833</None>
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    <nameOfIssuer>ATEA PHARMACEUTICALS INC</nameOfIssuer>
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    <cusip>04683R106</cusip>
    <value>190</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26696</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26696</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>MARATHON PETE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>56585A102</cusip>
    <value>534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6500</Sole>
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      <None>0</None>
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    <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718546104</cusip>
    <value>532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6499</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>212</Sole>
      <Shared>0</Shared>
      <None>6287</None>
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    <nameOfIssuer>STATE STR CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>857477103</cusip>
    <value>399</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6467</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1177</Sole>
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      <None>5290</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P SML 600 GWT</titleOfClass>
    <cusip>464287887</cusip>
    <value>677</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>
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    <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>452308109</cusip>
    <value>1170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6422</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4568</Sole>
      <Shared>0</Shared>
      <None>1854</None>
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    <nameOfIssuer>AUTOMATIC DATA PROCESSING IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>053015103</cusip>
    <value>26656</value>
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      <sshPrnamt>126908</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>123600</Sole>
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      <None>3308</None>
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    <nameOfIssuer>AUTOMATIC DATA PROCESSING IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>053015103</cusip>
    <value>3287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15649</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>15649</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AUTOMATIC DATA PROCESSING IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>053015103</cusip>
    <value>9394</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44731</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>41813</Sole>
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      <None>2918</None>
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    <nameOfIssuer>KOHLS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>500255104</cusip>
    <value>229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6401</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>6381</None>
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    <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
    <titleOfClass>500 VAL IDX FD</titleOfClass>
    <cusip>921932703</cusip>
    <value>850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6400</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>025816109</cusip>
    <value>884</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6380</Sole>
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      <None>0</None>
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    <nameOfIssuer>AVERY DENNISON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>053611109</cusip>
    <value>14954</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92380</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>91485</Sole>
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      <None>895</None>
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  <infoTable>
    <nameOfIssuer>AVERY DENNISON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>053611109</cusip>
    <value>2070</value>
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      <sshPrnamt>12788</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12222</Sole>
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      <None>566</None>
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    <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>H1467J104</cusip>
    <value>1240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6310</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5763</Sole>
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      <None>547</None>
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    <nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>369604301</cusip>
    <value>399</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6274</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6274</Sole>
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      <None>0</None>
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    <nameOfIssuer>AVNET INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>053807103</cusip>
    <value>897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20923</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20923</None>
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    <nameOfIssuer>SUNCOR ENERGY INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>867224107</cusip>
    <value>219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6242</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2947</Sole>
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      <None>3295</None>
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    <nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
    <titleOfClass>SHS CLASS A</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>1720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6196</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4077</Sole>
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      <None>2119</None>
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    <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>34959J108</cusip>
    <value>335</value>
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      <sshPrnamt>6164</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5250</Sole>
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      <None>914</None>
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    <nameOfIssuer>B2GOLD CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11777Q209</cusip>
    <value>100</value>
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      <sshPrnamt>29523</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>29523</None>
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    <nameOfIssuer>LOEWS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>540424108</cusip>
    <value>363</value>
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      <sshPrnamt>6118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6118</None>
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    <nameOfIssuer>BAKER HUGHES COMPANY</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>05722G100</cusip>
    <value>864</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29917</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>29917</None>
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    <nameOfIssuer>MAGELLAN MIDSTREAM PRTNRS LP</nameOfIssuer>
    <titleOfClass>COM UNIT RP LP</titleOfClass>
    <cusip>559080106</cusip>
    <value>292</value>
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      <sshPrnamt>6104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5608</Sole>
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      <None>496</None>
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    <nameOfIssuer>BALL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>058498106</cusip>
    <value>969</value>
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      <sshPrnamt>14090</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13205</Sole>
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      <None>885</None>
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    <nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74834L100</cusip>
    <value>811</value>
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      <sshPrnamt>6100</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>5900</Sole>
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      <None>200</None>
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    <nameOfIssuer>BANCO BILBAO VIZCAYA ARGENTA</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>05946K101</cusip>
    <value>111</value>
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      <sshPrnamt>24468</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24468</None>
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    <nameOfIssuer>BANCO BRADESCO S A SP</nameOfIssuer>
    <titleOfClass>ADR PFD NEW</titleOfClass>
    <cusip>059460303</cusip>
    <value>43</value>
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      <sshPrnamt>13145</sshPrnamt>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13145</None>
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    <nameOfIssuer>GARTNER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>366651107</cusip>
    <value>1474</value>
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      <sshPrnamt>6095</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6075</Sole>
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      <None>20</None>
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  <infoTable>
    <nameOfIssuer>BANCO SANTANDER S.A.</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>05964H105</cusip>
    <value>59</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20915</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>20915</None>
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    <nameOfIssuer>FIDELITY NATIONAL FINANCIAL FNF GROUP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31620R303</cusip>
    <value>225</value>
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      <sshPrnamt>6085</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6085</None>
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    <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>244199105</cusip>
    <value>1820</value>
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      <sshPrnamt>6076</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>5617</Sole>
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      <None>459</None>
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  <infoTable>
    <nameOfIssuer>BANK NEW YORK MELLON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>064058100</cusip>
    <value>558</value>
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      <sshPrnamt>13388</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>13079</Sole>
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      <None>309</None>
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  <infoTable>
    <nameOfIssuer>BANK NEW YORK MELLON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <cusip>06738E204</cusip>
    <value>94</value>
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      <sshPrnamt>12397</sshPrnamt>
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      <None>12397</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>67066G104</cusip>
    <value>919</value>
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    <votingAuthority>
      <Sole>3828</Sole>
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      <None>2236</None>
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    <nameOfIssuer>BARRICK GOLD CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>067901108</cusip>
    <value>1256</value>
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      <sshPrnamt>71017</sshPrnamt>
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    <votingAuthority>
      <Sole>2000</Sole>
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      <None>69017</None>
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    <cusip>007903107</cusip>
    <value>462</value>
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      <sshPrnamt>6044</sshPrnamt>
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    <votingAuthority>
      <Sole>2402</Sole>
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      <None>3642</None>
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    <cusip>071734107</cusip>
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      <None>41562</None>
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    <cusip>071813109</cusip>
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    <votingAuthority>
      <Sole>2750</Sole>
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      <None>8024</None>
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    <cusip>629377508</cusip>
    <value>229</value>
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      <sshPrnamt>6001</sshPrnamt>
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      <Sole>6001</Sole>
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      <None>0</None>
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    <value>419</value>
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      <sshPrnamt>6001</sshPrnamt>
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      <Sole>6001</Sole>
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      <None>0</None>
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      <Sole>64078</Sole>
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      <None>720</None>
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    <cusip>075887109</cusip>
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    <votingAuthority>
      <Sole>24048</Sole>
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      <None>534</None>
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    <cusip>37733W105</cusip>
    <value>260</value>
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      <sshPrnamt>5980</sshPrnamt>
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      <Sole>5980</Sole>
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      <None>0</None>
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    <nameOfIssuer>BERKSHIRE HATHAWAY INC</nameOfIssuer>
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    <cusip>084670702</cusip>
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      <sshPrnamt>139572</sshPrnamt>
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      <Sole>138315</Sole>
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      <None>1257</None>
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    <cusip>78464A698</cusip>
    <value>346</value>
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      <Sole>5967</Sole>
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      <None>0</None>
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    <nameOfIssuer>BERKSHIRE HATHAWAY INC</nameOfIssuer>
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    <cusip>084670702</cusip>
    <value>3162</value>
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      <sshPrnamt>11578</sshPrnamt>
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      <Sole>7195</Sole>
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      <None>4383</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>559222401</cusip>
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      <Sole>0</Sole>
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    <cusip>086516101</cusip>
    <value>768</value>
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      <Sole>40</Sole>
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      <None>11738</None>
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    <titleOfClass>COM</titleOfClass>
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    <titleOfClass>COM</titleOfClass>
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    <value>328</value>
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    <nameOfIssuer>BHP GROUP LTD</nameOfIssuer>
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    <cusip>088606108</cusip>
    <value>1440</value>
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    <nameOfIssuer>AMERICAN WTR WKS CO INC NEW</nameOfIssuer>
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    <value>1353</value>
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    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
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    <cusip>922908744</cusip>
    <value>757</value>
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    <cusip>060505104</cusip>
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    <value>542</value>
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    <titleOfClass>COM</titleOfClass>
    <cusip>011659109</cusip>
    <value>229</value>
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      <Sole>700</Sole>
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    <nameOfIssuer>BLACKROCK CR ALLOCATION INCO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>092508100</cusip>
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    <titleOfClass>COM</titleOfClass>
    <cusip>497266106</cusip>
    <value>348</value>
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      <None>5714</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>039653100</cusip>
    <value>264</value>
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      <None>5694</None>
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    <nameOfIssuer>BLACKROCK INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09247X101</cusip>
    <value>31614</value>
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      <sshPrnamt>51908</sshPrnamt>
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      <Sole>51374</Sole>
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      <None>534</None>
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    <nameOfIssuer>BLACKROCK INCOME TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09247F100</cusip>
    <value>90</value>
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      <sshPrnamt>19801</sshPrnamt>
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      <Sole>0</Sole>
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      <None>19801</None>
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    <nameOfIssuer>BLACKROCK MULTI SECTOR INC T</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09258A107</cusip>
    <value>307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21575</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>21575</None>
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  <infoTable>
    <nameOfIssuer>BLACKROCK MUNIHLDGS NJ QLTY</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09254X101</cusip>
    <value>694</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52637</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>79466L302</cusip>
    <value>926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5613</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1388</Sole>
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      <None>4225</None>
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    <nameOfIssuer>BOEING CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>097023105</cusip>
    <value>766</value>
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      <Sole>5601</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>09260D107</cusip>
    <value>3855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42253</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>42034</Sole>
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      <None>219</None>
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    <nameOfIssuer>MARTIN MARIETTA MATLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>573284106</cusip>
    <value>1665</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5564</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5298</Sole>
      <Shared>0</Shared>
      <None>266</None>
    </votingAuthority>
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    <nameOfIssuer>CIGNA CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>125523100</cusip>
    <value>1465</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5563</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>915</Sole>
      <Shared>0</Shared>
      <None>4648</None>
    </votingAuthority>
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    <nameOfIssuer>UNITED NAT FOODS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>911163103</cusip>
    <value>219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5555</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5555</None>
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    <nameOfIssuer>BLOOM ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>093712107</cusip>
    <value>3647</value>
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      <sshPrnamt>221012</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>212112</Sole>
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      <None>8900</None>
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    <nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>02209S103</cusip>
    <value>231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5525</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5525</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BOEING CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>097023105</cusip>
    <value>4274</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31262</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>30486</Sole>
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      <None>776</None>
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    <nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>911363109</cusip>
    <value>1339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5512</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5</Sole>
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      <None>5507</None>
    </votingAuthority>
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    <nameOfIssuer>BOEING CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>097023105</cusip>
    <value>2638</value>
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      <sshPrnamt>19288</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3008</Sole>
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      <None>16280</None>
    </votingAuthority>
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    <nameOfIssuer>FEDEX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31428X106</cusip>
    <value>1249</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5511</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5511</Sole>
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      <None>0</None>
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    <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G51502105</cusip>
    <value>263</value>
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      <sshPrnamt>5502</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>522</Sole>
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      <None>4980</None>
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    <nameOfIssuer>LILLY ELI &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>532457108</cusip>
    <value>1783</value>
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      <sshPrnamt>5500</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5500</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11135F101</cusip>
    <value>2661</value>
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      <sshPrnamt>5477</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4911</Sole>
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      <None>566</None>
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    <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>842587107</cusip>
    <value>389</value>
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      <sshPrnamt>5455</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5455</Sole>
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      <None>0</None>
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    <nameOfIssuer>BHP GROUP LTD</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>088606108</cusip>
    <value>306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>601</Sole>
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      <None>4850</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF</titleOfClass>
    <cusip>464287598</cusip>
    <value>787</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5426</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5004</Sole>
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      <None>422</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BP PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>055622104</cusip>
    <value>285</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10060</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5919</Sole>
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      <None>4141</None>
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  <infoTable>
    <nameOfIssuer>BP PLC</nameOfIssuer>
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    <cusip>055622104</cusip>
    <value>1873</value>
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      <sshPrnamt>66060</sshPrnamt>
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    <votingAuthority>
      <Sole>410</Sole>
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      <None>65650</None>
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    <nameOfIssuer>AUTODESK INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>052769106</cusip>
    <value>924</value>
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      <sshPrnamt>5370</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4010</Sole>
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      <None>1360</None>
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    <nameOfIssuer>BRIGHTHOUSE FINL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>10922N103</cusip>
    <value>773</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15</Sole>
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      <None>18829</None>
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    <nameOfIssuer>SBA COMMUNICATIONS CORP NEW</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>78410G104</cusip>
    <value>1708</value>
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      <sshPrnamt>5336</sshPrnamt>
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    <votingAuthority>
      <Sole>4608</Sole>
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      <None>728</None>
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    <nameOfIssuer>ZIMMER BIOMET HOLDINGS INC</nameOfIssuer>
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      <Sole>4820</Sole>
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      <None>506</None>
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    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
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    <cusip>110122108</cusip>
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      <sshPrnamt>433429</sshPrnamt>
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      <Sole>423450</Sole>
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      <None>9979</None>
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    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>110122108</cusip>
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      <sshPrnamt>44759</sshPrnamt>
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      <Sole>44509</Sole>
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  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>110122108</cusip>
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      <sshPrnamt>118024</sshPrnamt>
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      <Sole>100100</Sole>
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      <None>17924</None>
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    <nameOfIssuer>BRITISH AMERN TOB PLC</nameOfIssuer>
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    <cusip>110448107</cusip>
    <value>634</value>
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      <Sole>0</Sole>
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      <None>14764</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>885</value>
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      <sshPrnamt>5224</sshPrnamt>
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    <nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>020002101</cusip>
    <value>658</value>
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      <Sole>5190</Sole>
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    <nameOfIssuer>BROOKFIELD INFRAST PARTNERS LP INT</nameOfIssuer>
    <titleOfClass>UNIT</titleOfClass>
    <cusip>G16252101</cusip>
    <value>2488</value>
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      <Sole>65107</Sole>
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    <cusip>46434G103</cusip>
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    <nameOfIssuer>RALPH LAUREN CORP</nameOfIssuer>
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    <cusip>751212101</cusip>
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      <Sole>250</Sole>
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      <None>4898</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 VAL ETF</titleOfClass>
    <cusip>464287408</cusip>
    <value>707</value>
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      <sshPrnamt>5143</sshPrnamt>
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      <Sole>4703</Sole>
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      <None>440</None>
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    <nameOfIssuer>CUMMINS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>231021106</cusip>
    <value>994</value>
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      <sshPrnamt>5136</sshPrnamt>
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    <titleOfClass>COM</titleOfClass>
    <cusip>427866108</cusip>
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      <sshPrnamt>5092</sshPrnamt>
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      <Sole>4571</Sole>
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      <None>521</None>
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    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
    <titleOfClass>DIV APP ETF</titleOfClass>
    <cusip>921908844</cusip>
    <value>727</value>
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      <sshPrnamt>5067</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHS 1-5YR INVS</titleOfClass>
    <cusip>464288646</cusip>
    <value>256</value>
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      <sshPrnamt>5064</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>EVEREST RE GROUP LTD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>G3223R108</cusip>
    <value>1415</value>
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      <None>5047</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA MIN VOL</titleOfClass>
    <cusip>46429B697</cusip>
    <value>354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5039</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
    <titleOfClass>500 GRTH IDX F</titleOfClass>
    <cusip>921932505</cusip>
    <value>1091</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5015</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RESIDENTIAL MULT</titleOfClass>
    <cusip>464288562</cusip>
    <value>400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5000</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>26441C204</cusip>
    <value>533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4976</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4976</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CANNAE HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>13765N107</cusip>
    <value>5202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>268965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>268965</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>INGREDION INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>457187102</cusip>
    <value>438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4967</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4967</None>
    </votingAuthority>
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    <nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14040H105</cusip>
    <value>1392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13358</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10</Sole>
      <Shared>0</Shared>
      <None>13348</None>
    </votingAuthority>
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    <nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>760759100</cusip>
    <value>650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4964</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4964</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CARDINAL HEALTH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>1176</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22498</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18</Sole>
      <Shared>0</Shared>
      <None>22480</None>
    </votingAuthority>
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    <nameOfIssuer>WYNN RESORTS LTD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>983134107</cusip>
    <value>283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4961</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4961</None>
    </votingAuthority>
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    <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>79466L302</cusip>
    <value>817</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4953</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4927</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
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    <nameOfIssuer>CARNIVAL CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>143658300</cusip>
    <value>141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16318</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>16218</None>
    </votingAuthority>
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    <nameOfIssuer>CARNIVAL PLC</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>14365C103</cusip>
    <value>463</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>58545</None>
    </votingAuthority>
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    <nameOfIssuer>CARRIER GLOBAL CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14448C104</cusip>
    <value>4334</value>
    <shrsOrPrnAmt>
      <sshPrnamt>121547</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>107180</Sole>
      <Shared>0</Shared>
      <None>14367</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14448C104</cusip>
    <value>468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>12618</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14448C104</cusip>
    <value>1046</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>27084</Sole>
      <Shared>0</Shared>
      <None>2251</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>020002101</cusip>
    <value>626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>633</Sole>
      <Shared>0</Shared>
      <None>4317</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
    <titleOfClass>ENHNCD LW DUR AC</titleOfClass>
    <cusip>72201R718</cusip>
    <value>475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMGEN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>031162100</cusip>
    <value>1201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4932</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4346</Sole>
      <Shared>0</Shared>
      <None>586</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>149123101</cusip>
    <value>7221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40395</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>38062</Sole>
      <Shared>0</Shared>
      <None>2333</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>874039100</cusip>
    <value>402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4919</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1495</Sole>
      <Shared>0</Shared>
      <None>3424</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>149123101</cusip>
    <value>2009</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>850</Sole>
      <Shared>0</Shared>
      <None>10383</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CBRE GBL REAL ESTATE INC FD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>12504G100</cusip>
    <value>1052</value>
    <shrsOrPrnAmt>
      <sshPrnamt>144869</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>144869</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSOLIDATED EDISON INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>209115104</cusip>
    <value>465</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4889</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4676</Sole>
      <Shared>0</Shared>
      <None>213</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AGNICO EAGLE MINES LTD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>008474108</cusip>
    <value>218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4761</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4761</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G8994E103</cusip>
    <value>616</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4741</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4741</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HESS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>42809H107</cusip>
    <value>502</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1729</Sole>
      <Shared>0</Shared>
      <None>3011</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CENTRAL &amp; EASTERN EUROPE FD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>153436100</cusip>
    <value>136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13609</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13609</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORTEVA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22052L104</cusip>
    <value>256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4737</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4673</Sole>
      <Shared>0</Shared>
      <None>64</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>580135101</cusip>
    <value>1166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4726</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3550</Sole>
      <Shared>0</Shared>
      <None>1176</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CLOROX CO DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>189054109</cusip>
    <value>660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4678</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4678</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHECK POINT SOFTWARE TECH LT</nameOfIssuer>
    <titleOfClass>ORD</titleOfClass>
    <cusip>M22465104</cusip>
    <value>4322</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35489</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>35083</Sole>
      <Shared>0</Shared>
      <None>406</None>
    </votingAuthority>
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    <nameOfIssuer>ROSS STORES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>778296103</cusip>
    <value>329</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4678</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>929</Sole>
      <Shared>0</Shared>
      <None>3749</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHECK POINT SOFTWARE TECH LT</nameOfIssuer>
    <titleOfClass>ORD</titleOfClass>
    <cusip>M22465104</cusip>
    <value>3084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24720</Sole>
      <Shared>0</Shared>
      <None>605</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GXO LOGISTICS INCORPORATED</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>36262G101</cusip>
    <value>201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4380</Sole>
      <Shared>0</Shared>
      <None>260</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHENIERE ENERGY INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>16411R208</cusip>
    <value>1649</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12395</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11795</Sole>
      <Shared>0</Shared>
      <None>600</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>166764100</cusip>
    <value>32124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>221879</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>218091</Sole>
      <Shared>0</Shared>
      <None>3788</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>166764100</cusip>
    <value>4688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32379</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>32079</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>166764100</cusip>
    <value>11281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77922</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>43555</Sole>
      <Shared>0</Shared>
      <None>34367</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4606</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3469</Sole>
      <Shared>0</Shared>
      <None>1137</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOVER CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>260003108</cusip>
    <value>557</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4593</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4290</Sole>
      <Shared>0</Shared>
      <None>303</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 ETF</titleOfClass>
    <cusip>464287622</cusip>
    <value>954</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4593</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4593</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKSTONE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09260D107</cusip>
    <value>417</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>87612E106</cusip>
    <value>640</value>
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      <sshPrnamt>4530</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>221</Sole>
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      <None>4309</None>
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    <cusip>767204100</cusip>
    <value>276</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>1300</Sole>
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      <None>3221</None>
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    <titleOfClass>US TIPS ETF</titleOfClass>
    <cusip>808524870</cusip>
    <value>252</value>
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      <sshPrnamt>4511</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4511</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>H1467J104</cusip>
    <value>6294</value>
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      <sshPrnamt>32018</sshPrnamt>
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    <votingAuthority>
      <Sole>23990</Sole>
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      <None>8028</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>007903107</cusip>
    <value>345</value>
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      <sshPrnamt>4510</sshPrnamt>
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      <Sole>4510</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>GROWTH ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>1005</value>
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      <sshPrnamt>4508</sshPrnamt>
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      <None>0</None>
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      <sshPrnamt>63626</sshPrnamt>
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    <votingAuthority>
      <Sole>59167</Sole>
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      <None>4459</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>025537101</cusip>
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      <sshPrnamt>4502</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2978</Sole>
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      <None>1524</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>125523100</cusip>
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      <sshPrnamt>21219</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>20511</Sole>
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      <None>708</None>
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    <nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>57636Q104</cusip>
    <value>1408</value>
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      <sshPrnamt>4464</sshPrnamt>
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    <votingAuthority>
      <Sole>1130</Sole>
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      <None>3334</None>
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    <cusip>87807B107</cusip>
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      <sshPrnamt>4439</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4439</Sole>
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      <None>0</None>
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    <nameOfIssuer>CISCO SYS INC</nameOfIssuer>
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    <cusip>17275R102</cusip>
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      <sshPrnamt>482775</sshPrnamt>
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      <Sole>477053</Sole>
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      <None>5722</None>
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    <nameOfIssuer>CISCO SYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <Sole>43579</Sole>
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    <titleOfClass>COM</titleOfClass>
    <cusip>17275R102</cusip>
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      <sshPrnamt>103154</sshPrnamt>
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      <Sole>51716</Sole>
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      <None>51438</None>
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    <nameOfIssuer>CITIGROUP INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
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    <value>2821</value>
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      <sshPrnamt>61349</sshPrnamt>
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    <votingAuthority>
      <Sole>21145</Sole>
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      <None>40204</None>
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      <Sole>98542</Sole>
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      <None>1733</None>
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    <votingAuthority>
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      <None>9464</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>025537101</cusip>
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      <None>0</None>
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    <nameOfIssuer>ALPHABET INC</nameOfIssuer>
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    <cusip>02079K107</cusip>
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      <Sole>4242</Sole>
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      <None>132</None>
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    <nameOfIssuer>LILLY ELI &amp; CO</nameOfIssuer>
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    <cusip>532457108</cusip>
    <value>1417</value>
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    <votingAuthority>
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      <None>1876</None>
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    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
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      <sshPrnamt>4370</sshPrnamt>
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    <nameOfIssuer>CLIMATE REAL IMPACT SLUTINS</nameOfIssuer>
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    <cusip>187171202</cusip>
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    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US DIVIDEND EQ</titleOfClass>
    <cusip>808524797</cusip>
    <value>313</value>
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      <sshPrnamt>4365</sshPrnamt>
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    <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>704326107</cusip>
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      <Sole>3961</Sole>
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      <None>349</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA QLT FCT</titleOfClass>
    <cusip>46432F339</cusip>
    <value>476</value>
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      <sshPrnamt>4261</sshPrnamt>
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      <None>4150</None>
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    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
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    <cusip>92204A405</cusip>
    <value>328</value>
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      <sshPrnamt>4244</sshPrnamt>
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      <Sole>537</Sole>
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    <nameOfIssuer>COCA COLA CO</nameOfIssuer>
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    <nameOfIssuer>MERIT MED SYS INC</nameOfIssuer>
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    <cusip>589889104</cusip>
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      <None>4219</None>
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    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EUROPE ETF</titleOfClass>
    <cusip>922042874</cusip>
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      <sshPrnamt>4213</sshPrnamt>
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      <Sole>3541</Sole>
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      <None>672</None>
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    <nameOfIssuer>AMERISOURCEBERGEN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03073E105</cusip>
    <value>595</value>
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      <Sole>225</Sole>
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      <None>3981</None>
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    <nameOfIssuer>DISCOVER FINL SVCS</nameOfIssuer>
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    <cusip>254709108</cusip>
    <value>397</value>
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      <sshPrnamt>4199</sshPrnamt>
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      <Sole>13</Sole>
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      <None>4186</None>
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    <nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>194162103</cusip>
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      <Sole>30559</Sole>
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      <None>54</None>
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  <infoTable>
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    <cusip>194162103</cusip>
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      <Sole>10038</Sole>
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      <None>400</None>
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    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF</titleOfClass>
    <cusip>92204A504</cusip>
    <value>968</value>
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      <sshPrnamt>4110</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>COMCAST CORP NEW</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>20030N101</cusip>
    <value>2029</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51706</sshPrnamt>
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    <votingAuthority>
      <Sole>47729</Sole>
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      <None>3977</None>
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    <nameOfIssuer>COMCAST CORP NEW</nameOfIssuer>
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    <cusip>20030N101</cusip>
    <value>8568</value>
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      <Sole>187878</Sole>
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    <nameOfIssuer>COMERICA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>1367</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>18454</Sole>
      <Shared>0</Shared>
      <None>170</None>
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    <nameOfIssuer>DYCOM INDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>267475101</cusip>
    <value>374</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4022</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>743</Sole>
      <Shared>700</Shared>
      <None>2579</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. TECH ETF</titleOfClass>
    <cusip>464287721</cusip>
    <value>320</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>
    </votingAuthority>
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    <nameOfIssuer>COMPANIA DE MINAS BUENAVENTU</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>204448104</cusip>
    <value>107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16206</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16206</None>
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    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>INTL DVD ETF</titleOfClass>
    <cusip>921946810</cusip>
    <value>274</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4000</None>
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    <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G29183103</cusip>
    <value>503</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3996</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2545</Sole>
      <Shared>0</Shared>
      <None>1451</None>
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    <nameOfIssuer>CONAGRA BRANDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>205887102</cusip>
    <value>345</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>661</Sole>
      <Shared>0</Shared>
      <None>9419</None>
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  <infoTable>
    <nameOfIssuer>CONAGRA BRANDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>205887102</cusip>
    <value>1865</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54474</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>43687</Sole>
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      <None>10787</None>
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    <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78409V104</cusip>
    <value>1343</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3983</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3554</Sole>
      <Shared>0</Shared>
      <None>429</None>
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  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>20825C104</cusip>
    <value>909</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6497</Sole>
      <Shared>0</Shared>
      <None>3621</None>
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  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>20825C104</cusip>
    <value>3432</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1551</Sole>
      <Shared>0</Shared>
      <None>36662</None>
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  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR UTSER1</nameOfIssuer>
    <titleOfClass>S&amp;PDCRP</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>1628</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3937</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09857L108</cusip>
    <value>6867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3926</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3848</Sole>
      <Shared>0</Shared>
      <None>78</None>
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    <nameOfIssuer>INVESCO CURRENCYSHARES SWISS</nameOfIssuer>
    <titleOfClass>SWISS FRANC</titleOfClass>
    <cusip>46138R108</cusip>
    <value>368</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>
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  <infoTable>
    <nameOfIssuer>STATE STR CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>857477103</cusip>
    <value>242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3921</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>2621</None>
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    <nameOfIssuer>CONSTELLATION BRANDS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>21036P108</cusip>
    <value>4234</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>18169</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CONSTELLATION ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>21037T109</cusip>
    <value>614</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10724</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>10720</None>
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  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>46120E602</cusip>
    <value>777</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3873</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2527</Sole>
      <Shared>0</Shared>
      <None>1346</None>
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  <infoTable>
    <nameOfIssuer>CORECIVIC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>21871N101</cusip>
    <value>880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79228</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>79228</None>
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  <infoTable>
    <nameOfIssuer>CORNING INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>219350105</cusip>
    <value>331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9610</Sole>
      <Shared>0</Shared>
      <None>900</None>
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  <infoTable>
    <nameOfIssuer>CORNING INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>219350105</cusip>
    <value>1367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>43375</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMGEN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>031162100</cusip>
    <value>940</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3864</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3564</Sole>
      <Shared>0</Shared>
      <None>300</None>
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  <infoTable>
    <nameOfIssuer>CORPORATE OFFICE PPTYS TR</nameOfIssuer>
    <titleOfClass>SH BEN INT</titleOfClass>
    <cusip>22002T108</cusip>
    <value>1888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72093</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>64143</Sole>
      <Shared>0</Shared>
      <None>7950</None>
    </votingAuthority>
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    <nameOfIssuer>CORTEVA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22052L104</cusip>
    <value>2525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46636</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>44799</Sole>
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      <None>1837</None>
    </votingAuthority>
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    <nameOfIssuer>MARRIOTT INTL INC NEW</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>571903202</cusip>
    <value>526</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3861</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1344</Sole>
      <Shared>0</Shared>
      <None>2517</None>
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  <infoTable>
    <nameOfIssuer>COSTCO WHSL CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22160K105</cusip>
    <value>34411</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71798</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>71001</Sole>
      <Shared>0</Shared>
      <None>797</None>
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    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>ENERGY ETF</titleOfClass>
    <cusip>92204A306</cusip>
    <value>383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3709</Sole>
      <Shared>0</Shared>
      <None>138</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COSTCO WHSL CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22160K105</cusip>
    <value>7933</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16551</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15571</Sole>
      <Shared>0</Shared>
      <None>980</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ZOETIS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>98978V103</cusip>
    <value>659</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3836</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1285</Sole>
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      <None>2551</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>34959J108</cusip>
    <value>208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3821</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3821</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TE CONNECTIVITY LTD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>H84989104</cusip>
    <value>431</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3808</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL BND MRKT</titleOfClass>
    <cusip>921937835</cusip>
    <value>285</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3784</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>PTC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>69370C100</cusip>
    <value>402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3781</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3679</Sole>
      <Shared>0</Shared>
      <None>102</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LENNAR CORP</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>526057104</cusip>
    <value>263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3729</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>959</Sole>
      <Shared>0</Shared>
      <None>2770</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92939U106</cusip>
    <value>373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>88</Sole>
      <Shared>0</Shared>
      <None>3622</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN CASTLE INTL CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22822V101</cusip>
    <value>6742</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40038</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN CASTLE INTL CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22822V101</cusip>
    <value>2698</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16020</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13898</Sole>
      <Shared>0</Shared>
      <None>2122</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CSX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126408103</cusip>
    <value>311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10698</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10134</Sole>
      <Shared>0</Shared>
      <None>564</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CSX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126408103</cusip>
    <value>1453</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>50000</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CSX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126408103</cusip>
    <value>1184</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40718</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13307</Sole>
      <Shared>0</Shared>
      <None>27411</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRICE T ROWE GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74144T108</cusip>
    <value>419</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3691</sshPrnamt>
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      <None>465</None>
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      <None>1783</None>
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    <value>853</value>
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      <None>2416</None>
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      <None>3611</None>
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    <value>4186</value>
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      <sshPrnamt>10401</sshPrnamt>
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      <Sole>20</Sole>
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      <None>10381</None>
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      <Sole>57087</Sole>
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      <None>549</None>
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    <votingAuthority>
      <Sole>64492</Sole>
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    <nameOfIssuer>TESLA INC</nameOfIssuer>
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    <cusip>88160R101</cusip>
    <value>2414</value>
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      <sshPrnamt>3585</sshPrnamt>
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      <Sole>3499</Sole>
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      <None>86</None>
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    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
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    <value>536</value>
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    <votingAuthority>
      <Sole>3199</Sole>
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      <None>373</None>
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    <nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
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      <Sole>3566</Sole>
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      <None>0</None>
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    <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
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      <Sole>3040</Sole>
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      <None>500</None>
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    <nameOfIssuer>FOMENTO ECONOMICO MEXICANO S</nameOfIssuer>
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    <cusip>344419106</cusip>
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      <Sole>4178</Sole>
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      <Sole>400</Sole>
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      <None>3130</None>
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    <nameOfIssuer>DEVON ENERGY CORP NEW</nameOfIssuer>
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      <Sole>92224</Sole>
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    <nameOfIssuer>DEVON ENERGY CORP NEW</nameOfIssuer>
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    <cusip>25179M103</cusip>
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      <Sole>435</Sole>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>COHEN STEER REIT</titleOfClass>
    <cusip>464287564</cusip>
    <value>210</value>
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      <sshPrnamt>3462</sshPrnamt>
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      <Sole>2573</Sole>
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    <nameOfIssuer>APPLIED MATLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>038222105</cusip>
    <value>313</value>
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      <Sole>3443</Sole>
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      <None>0</None>
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    <nameOfIssuer>NOVO-NORDISK A S</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>670100205</cusip>
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      <sshPrnamt>3439</sshPrnamt>
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    <nameOfIssuer>DIDI GLOBAL INC</nameOfIssuer>
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    <cusip>23292E108</cusip>
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      <Sole>200</Sole>
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      <None>14313</None>
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    <nameOfIssuer>BRINKS CO</nameOfIssuer>
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    <cusip>109696104</cusip>
    <value>204</value>
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      <sshPrnamt>3361</sshPrnamt>
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      <None>3361</None>
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    <nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
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    <cusip>253868103</cusip>
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      <sshPrnamt>21137</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18192</Sole>
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      <None>2945</None>
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    <nameOfIssuer>XCEL ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>98389B100</cusip>
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      <sshPrnamt>3350</sshPrnamt>
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      <Sole>3064</Sole>
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      <None>286</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287226</cusip>
    <value>340</value>
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      <sshPrnamt>3343</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
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    <cusip>25434V401</cusip>
    <value>620</value>
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      <sshPrnamt>15218</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>15218</None>
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    <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>372460105</cusip>
    <value>444</value>
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      <sshPrnamt>3336</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>3336</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DISCOVER FINL SVCS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254709108</cusip>
    <value>2472</value>
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      <sshPrnamt>26135</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>26018</Sole>
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      <None>117</None>
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  <infoTable>
    <nameOfIssuer>ACADIA HEALTHCARE COMPANY IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00404A109</cusip>
    <value>225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3334</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>3334</None>
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  <infoTable>
    <nameOfIssuer>ENPHASE ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29355A107</cusip>
    <value>647</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3310</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2880</Sole>
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      <None>430</None>
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  <infoTable>
    <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254687106</cusip>
    <value>18818</value>
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      <sshPrnamt>199348</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>195657</Sole>
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      <None>3691</None>
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  <infoTable>
    <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254687106</cusip>
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      <sshPrnamt>26799</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>26099</Sole>
      <Shared>0</Shared>
      <None>700</None>
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    <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254687106</cusip>
    <value>2146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22742</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17183</Sole>
      <Shared>0</Shared>
      <None>5559</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ASTRAZENECA PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>046353108</cusip>
    <value>215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3258</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3258</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>336433107</cusip>
    <value>220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOLLAR GEN CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>256677105</cusip>
    <value>14431</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58795</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>55901</Sole>
      <Shared>0</Shared>
      <None>2894</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOLLAR GEN CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>256677105</cusip>
    <value>15324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62439</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>57841</Sole>
      <Shared>0</Shared>
      <None>4598</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25746U109</cusip>
    <value>5540</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>67842</Sole>
      <Shared>0</Shared>
      <None>1578</None>
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    <nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25746U109</cusip>
    <value>1254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15709</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>15709</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>810</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7214</Sole>
      <Shared>0</Shared>
      <None>2925</None>
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    <nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718172109</cusip>
    <value>318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3225</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DORCHESTER MINERALS LP</nameOfIssuer>
    <titleOfClass>COM UNIT</titleOfClass>
    <cusip>25820R105</cusip>
    <value>356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14922</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14922</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>DOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>260557103</cusip>
    <value>4249</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82329</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>80180</Sole>
      <Shared>0</Shared>
      <None>2149</None>
    </votingAuthority>
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    <nameOfIssuer>BOSTON PROPERTIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>101121101</cusip>
    <value>283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3185</None>
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  <infoTable>
    <nameOfIssuer>DOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>260557103</cusip>
    <value>3275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63431</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>42987</Sole>
      <Shared>0</Shared>
      <None>20444</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 3000 ETF</titleOfClass>
    <cusip>464287689</cusip>
    <value>689</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3139</Sole>
      <Shared>0</Shared>
      <None>28</None>
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  <infoTable>
    <nameOfIssuer>GLOBAL PMTS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>37940X102</cusip>
    <value>349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3153</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3153</None>
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  <infoTable>
    <nameOfIssuer>DROPBOX INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>26210C104</cusip>
    <value>927</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>44150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>26441C204</cusip>
    <value>1829</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17056</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16347</Sole>
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      <None>709</None>
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  <infoTable>
    <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26614N102</cusip>
    <value>3955</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>67823</Sole>
      <Shared>0</Shared>
      <None>3343</None>
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  <infoTable>
    <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26614N102</cusip>
    <value>1884</value>
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      <sshPrnamt>33901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17422</Sole>
      <Shared>0</Shared>
      <None>16479</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DXC TECHNOLOGY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>23355L106</cusip>
    <value>1137</value>
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      <sshPrnamt>37506</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>37506</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. REAL ES ETF</titleOfClass>
    <cusip>464287739</cusip>
    <value>284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3091</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>
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  <infoTable>
    <nameOfIssuer>EASTMAN CHEM CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>277432100</cusip>
    <value>1407</value>
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      <sshPrnamt>15680</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>90</Sole>
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      <None>15590</None>
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  <infoTable>
    <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74340W103</cusip>
    <value>363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3084</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3079</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2033</Sole>
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      <None>1046</None>
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  <infoTable>
    <nameOfIssuer>EATON VANCE MUNI INCOME TRUS</nameOfIssuer>
    <titleOfClass>SH BEN INT</titleOfClass>
    <cusip>27826U108</cusip>
    <value>198</value>
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      <sshPrnamt>18120</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>18120</None>
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  <infoTable>
    <nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92939U106</cusip>
    <value>308</value>
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      <sshPrnamt>3062</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1667</Sole>
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      <None>1395</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL WGT</titleOfClass>
    <cusip>46137V357</cusip>
    <value>409</value>
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      <sshPrnamt>3050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>0</None>
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    <nameOfIssuer>SAP SE</nameOfIssuer>
    <titleOfClass>SPON ADR</titleOfClass>
    <cusip>803054204</cusip>
    <value>276</value>
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      <sshPrnamt>3040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1111</Sole>
      <Shared>0</Shared>
      <None>1929</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF</titleOfClass>
    <cusip>464287168</cusip>
    <value>356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3032</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>606</Sole>
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      <None>2426</None>
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  <infoTable>
    <nameOfIssuer>ECOLAB INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>278865100</cusip>
    <value>2589</value>
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      <sshPrnamt>16838</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16143</Sole>
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      <None>695</None>
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    <nameOfIssuer>MASTEC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>576323109</cusip>
    <value>216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3014</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2813</Sole>
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      <None>201</None>
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  <infoTable>
    <nameOfIssuer>ECOLAB INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>278865100</cusip>
    <value>6884</value>
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      <sshPrnamt>44772</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>42451</Sole>
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      <None>2321</None>
    </votingAuthority>
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    <nameOfIssuer>EDISON INTL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>281020107</cusip>
    <value>913</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14437</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>818</Sole>
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      <None>13619</None>
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    <nameOfIssuer>EDWARDS LIFESCIENCES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>28176E108</cusip>
    <value>5375</value>
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      <sshPrnamt>56527</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>56414</Sole>
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      <None>113</None>
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  <infoTable>
    <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>30303M102</cusip>
    <value>469</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2911</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2911</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>824348106</cusip>
    <value>648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2893</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2700</Sole>
      <Shared>0</Shared>
      <None>193</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AUTONATION INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>05329W102</cusip>
    <value>322</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2883</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2883</None>
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  <infoTable>
    <nameOfIssuer>CBRE GROUP INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>12504L109</cusip>
    <value>212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2875</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>291011104</cusip>
    <value>4305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>53161</Sole>
      <Shared>0</Shared>
      <None>964</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN TOWER CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03027X100</cusip>
    <value>733</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2869</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>291011104</cusip>
    <value>5409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68003</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>48702</Sole>
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      <None>19301</None>
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    <nameOfIssuer>AIRBNB INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>009066101</cusip>
    <value>255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2865</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>2715</None>
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  <infoTable>
    <nameOfIssuer>NETFLIX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>64110L106</cusip>
    <value>495</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2833</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1269</Sole>
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      <None>1564</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AUTODESK INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>052769106</cusip>
    <value>484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2817</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>360</Sole>
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      <None>2457</None>
    </votingAuthority>
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    <nameOfIssuer>ENERGY TRANSFER L P</nameOfIssuer>
    <titleOfClass>COM UT LTD PTN</titleOfClass>
    <cusip>29273V100</cusip>
    <value>163</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16289</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16289</None>
    </votingAuthority>
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    <nameOfIssuer>ENGINE GAMING AND MEDIA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29287W102</cusip>
    <value>25</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30969</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30969</None>
    </votingAuthority>
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    <nameOfIssuer>3M CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2788</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2788</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>PPG INDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>693506107</cusip>
    <value>318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2781</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2781</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BIOMARIN PHARMACEUTICAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09061G101</cusip>
    <value>228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2750</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>293792107</cusip>
    <value>463</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19010</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>17941</Sole>
      <Shared>0</Shared>
      <None>1069</None>
    </votingAuthority>
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    <nameOfIssuer>NOVARTIS AG</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>66987V109</cusip>
    <value>232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2748</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2748</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>293792107</cusip>
    <value>1151</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>45122</Sole>
      <Shared>0</Shared>
      <None>2093</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EOG RES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26875P101</cusip>
    <value>2153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19494</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>18684</Sole>
      <Shared>0</Shared>
      <None>810</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>XYLEM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>98419M100</cusip>
    <value>212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2718</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>804</Sole>
      <Shared>0</Shared>
      <None>1914</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EQUINIX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29444U700</cusip>
    <value>8583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13064</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12413</Sole>
      <Shared>0</Shared>
      <None>651</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EQUINOR ASA</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>29446M102</cusip>
    <value>373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10731</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>760</Sole>
      <Shared>0</Shared>
      <None>9971</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PTC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>69370C100</cusip>
    <value>284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2675</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SPDR GOLD TR GOLD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>78463V107</cusip>
    <value>451</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2675</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>VISA INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92826C839</cusip>
    <value>526</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2670</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ESSEX PPTY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>297178105</cusip>
    <value>2662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10183</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8632</Sole>
      <Shared>0</Shared>
      <None>1551</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENTERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29364G103</cusip>
    <value>298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2612</Sole>
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      <None>38</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>L3HARRIS TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>502431109</cusip>
    <value>641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2650</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74834L100</cusip>
    <value>352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2649</sshPrnamt>
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      <Sole>2150</Sole>
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      <None>499</None>
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    <nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>655844108</cusip>
    <value>585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2575</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>EXELON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30161N101</cusip>
    <value>1488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32837</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>162</Sole>
      <Shared>0</Shared>
      <None>32675</None>
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  <infoTable>
    <nameOfIssuer>T-MOBILE US INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>872590104</cusip>
    <value>341</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2532</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1400</Sole>
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      <None>1132</None>
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  <infoTable>
    <nameOfIssuer>EXTRA SPACE STORAGE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30225T102</cusip>
    <value>2590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15226</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13069</Sole>
      <Shared>0</Shared>
      <None>2157</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
    <value>43506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>508012</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>487577</Sole>
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      <None>20435</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
    <value>5122</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>59807</Sole>
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      <None>1</None>
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  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
    <value>9847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>114987</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24610</Sole>
      <Shared>0</Shared>
      <None>90377</None>
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  <infoTable>
    <nameOfIssuer>FASTENAL CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>311900104</cusip>
    <value>972</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19472</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>19337</Sole>
      <Shared>0</Shared>
      <None>135</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FEDERAL RLTY INVT TR</nameOfIssuer>
    <titleOfClass>NEW SH BEN INT NEW</titleOfClass>
    <cusip>313745101</cusip>
    <value>1756</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18339</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16056</Sole>
      <Shared>0</Shared>
      <None>2283</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FEDEX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31428X106</cusip>
    <value>8968</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>39034</Sole>
      <Shared>0</Shared>
      <None>521</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENTERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29364G103</cusip>
    <value>281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2492</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>158</Sole>
      <Shared>0</Shared>
      <None>2334</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FEDEX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31428X106</cusip>
    <value>4159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18348</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9281</Sole>
      <Shared>0</Shared>
      <None>9067</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FERROGLOBE PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G33856108</cusip>
    <value>89</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FIDELITY MERRIMACK STR TR</nameOfIssuer>
    <titleOfClass>TOTAL BD ETF</titleOfClass>
    <cusip>316188309</cusip>
    <value>2099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>45100</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY NATIONAL FINANCIAL FNF GROUP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31620R303</cusip>
    <value>44387</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200956</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1200830</Sole>
      <Shared>0</Shared>
      <None>126</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF</titleOfClass>
    <cusip>464287614</cusip>
    <value>538</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2460</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>PPG INDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>693506107</cusip>
    <value>281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2416</Sole>
      <Shared>0</Shared>
      <None>39</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST INDL RLTY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>32054K103</cusip>
    <value>2372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49957</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>42514</Sole>
      <Shared>0</Shared>
      <None>7443</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE US AGGBD ET</titleOfClass>
    <cusip>464287226</cusip>
    <value>244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2398</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2049</Sole>
      <Shared>0</Shared>
      <None>349</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>863667101</cusip>
    <value>475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2388</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2388</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST REP BK SAN FRANCISCO C</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>33616C100</cusip>
    <value>8698</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60318</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>60318</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARRIOTT INTL INC NEW</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>571903202</cusip>
    <value>323</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2378</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1738</Sole>
      <Shared>0</Shared>
      <None>640</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>305</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>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE HIGH DV ETF</titleOfClass>
    <cusip>46429B663</cusip>
    <value>238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR / ABERDEEN EMERGING</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>33731K102</cusip>
    <value>141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16063</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16063</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS DISCR</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>323</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>EASTMAN CHEM CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>277432100</cusip>
    <value>209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2160</Sole>
      <Shared>0</Shared>
      <None>165</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMETEK INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>031100100</cusip>
    <value>255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2322</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2322</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>436</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>FIRSTENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>337932107</cusip>
    <value>1858</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48392</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1558</Sole>
      <Shared>0</Shared>
      <None>46834</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>337738108</cusip>
    <value>1494</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16794</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15988</Sole>
      <Shared>0</Shared>
      <None>806</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>HIGH DIV YLD</titleOfClass>
    <cusip>921946406</cusip>
    <value>235</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2307</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHERN TR CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>665859104</cusip>
    <value>222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2301</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2235</Sole>
      <Shared>0</Shared>
      <None>66</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLEETCOR TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>339041105</cusip>
    <value>8267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39347</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>39347</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLEX LTD</nameOfIssuer>
    <titleOfClass>ORD</titleOfClass>
    <cusip>Y2573F102</cusip>
    <value>471</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32582</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>32582</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FMC CORP</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>302491303</cusip>
    <value>1626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13153</Sole>
      <Shared>0</Shared>
      <None>2038</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOYOTA MOTOR CORP</nameOfIssuer>
    <titleOfClass>ADS</titleOfClass>
    <cusip>892331307</cusip>
    <value>348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2262</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>67</Sole>
      <Shared>0</Shared>
      <None>2195</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIOGEN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09062X103</cusip>
    <value>461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2261</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2261</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>345370860</cusip>
    <value>1550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>139245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>138759</Sole>
      <Shared>0</Shared>
      <None>486</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>345370860</cusip>
    <value>153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13725</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>345370860</cusip>
    <value>786</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>46000</Sole>
      <Shared>0</Shared>
      <None>24530</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALIBABA GROUP HLDG LTD</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>01609W102</cusip>
    <value>256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC</nameOfIssuer>
    <titleOfClass>DEL CL B NEW</titleOfClass>
    <cusip>084670702</cusip>
    <value>611</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2238</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2238</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>911312106</cusip>
    <value>401</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1577</Sole>
      <Shared>0</Shared>
      <None>627</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FOX CORP CL B</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>35137L204</cusip>
    <value>333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11196</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11196</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>46120E602</cusip>
    <value>441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2197</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1522</Sole>
      <Shared>0</Shared>
      <None>675</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FREEPORT-MCMORAN INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>35671D857</cusip>
    <value>328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11212</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11212</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>YUM BRANDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>988498101</cusip>
    <value>245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2137</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>655844108</cusip>
    <value>490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2030</Sole>
      <Shared>0</Shared>
      <None>128</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HESS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>42809H107</cusip>
    <value>228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2002</Sole>
      <Shared>0</Shared>
      <None>154</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BALCHEM CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>057665200</cusip>
    <value>275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1900</Sole>
      <Shared>0</Shared>
      <None>219</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GABELLI MULTIMEDIA TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>36239Q109</cusip>
    <value>393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54302</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>54302</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGILENT TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00846U101</cusip>
    <value>250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1270</Sole>
      <Shared>0</Shared>
      <None>838</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATALENT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>148806102</cusip>
    <value>226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2105</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2023</Sole>
      <Shared>0</Shared>
      <None>81</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MODERNA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>60770K107</cusip>
    <value>300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF</titleOfClass>
    <cusip>464287598</cusip>
    <value>303</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2088</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN CASTLE INTL CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22822V101</cusip>
    <value>347</value>
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    <value>290</value>
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      <None>0</None>
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    <value>749</value>
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      <Sole>1047</Sole>
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      <None>1000</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>368736104</cusip>
    <value>5331</value>
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      <sshPrnamt>25318</sshPrnamt>
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    <votingAuthority>
      <Sole>24468</Sole>
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      <None>850</None>
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    <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>369550108</cusip>
    <value>20608</value>
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      <sshPrnamt>93144</sshPrnamt>
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      <Sole>92416</Sole>
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      <None>728</None>
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    <titleOfClass>COM</titleOfClass>
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    <value>5997</value>
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      <sshPrnamt>27107</sshPrnamt>
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    <votingAuthority>
      <Sole>22810</Sole>
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      <None>4297</None>
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    <cusip>369604301</cusip>
    <value>2414</value>
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      <sshPrnamt>37914</sshPrnamt>
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      <Sole>5858</Sole>
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      <None>32056</None>
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      <sshPrnamt>48600</sshPrnamt>
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      <Sole>47819</Sole>
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      <None>781</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>370334104</cusip>
    <value>804</value>
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      <sshPrnamt>10661</sshPrnamt>
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      <Sole>9905</Sole>
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      <None>180</None>
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    <nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>37045V100</cusip>
    <value>991</value>
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      <sshPrnamt>31212</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>792</Sole>
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      <None>30420</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>372460105</cusip>
    <value>10118</value>
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      <sshPrnamt>76074</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>75285</Sole>
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      <None>789</None>
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    <nameOfIssuer>GENWORTH FINL INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>37247D106</cusip>
    <value>60</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16961</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>16961</None>
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    <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>375558103</cusip>
    <value>1855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30006</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9150</Sole>
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      <None>20856</None>
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    <nameOfIssuer>GLOBALFOUNDRIES INC</nameOfIssuer>
    <titleOfClass>ORDINARY SHARES</titleOfClass>
    <cusip>G39387108</cusip>
    <value>684</value>
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      <sshPrnamt>16950</sshPrnamt>
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    <votingAuthority>
      <Sole>16950</Sole>
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      <None>0</None>
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    <nameOfIssuer>GOGO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>162</value>
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      <sshPrnamt>10000</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10000</Sole>
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      <None>0</None>
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    <nameOfIssuer>GOLD FIELDS LTD</nameOfIssuer>
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    <cusip>38059T106</cusip>
    <value>233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25523</sshPrnamt>
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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>5060</value>
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      <sshPrnamt>17036</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16523</Sole>
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      <None>513</None>
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    <nameOfIssuer>KIMBERLY-CLARK CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>494368103</cusip>
    <value>269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1997</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>173</Sole>
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      <None>1824</None>
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    <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81762P102</cusip>
    <value>942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1981</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1090</Sole>
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      <None>891</None>
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    <nameOfIssuer>CHECK POINT SOFTWARE TECH LT</nameOfIssuer>
    <titleOfClass>ORD</titleOfClass>
    <cusip>M22465104</cusip>
    <value>239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>1960</Sole>
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      <None>0</None>
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    <nameOfIssuer>MARTIN MARIETTA MATLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>573284106</cusip>
    <value>584</value>
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      <sshPrnamt>1950</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>GRUPO TELEVISA S A B</nameOfIssuer>
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    <cusip>40049J206</cusip>
    <value>91</value>
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      <sshPrnamt>11158</sshPrnamt>
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      <None>11158</None>
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    <cusip>37733W105</cusip>
    <value>476</value>
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      <sshPrnamt>10935</sshPrnamt>
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    <votingAuthority>
      <Sole>10935</Sole>
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      <None>0</None>
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    <nameOfIssuer>GSK PLC</nameOfIssuer>
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    <cusip>37733W105</cusip>
    <value>1324</value>
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      <sshPrnamt>30413</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24468</Sole>
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      <None>5945</None>
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    <nameOfIssuer>TESLA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88160R101</cusip>
    <value>1290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1917</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1729</Sole>
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      <None>188</None>
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    <nameOfIssuer>WORKDAY INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>98138H101</cusip>
    <value>267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1915</sshPrnamt>
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      <Sole>1915</Sole>
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      <None>0</None>
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    <nameOfIssuer>HALLIBURTON CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>406216101</cusip>
    <value>1256</value>
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      <sshPrnamt>40037</sshPrnamt>
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    <votingAuthority>
      <Sole>248</Sole>
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      <None>39789</None>
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    <nameOfIssuer>HANCOCK JOHN FINL OPPTYS FD</nameOfIssuer>
    <titleOfClass>SH BEN INT NEW</titleOfClass>
    <cusip>409735206</cusip>
    <value>796</value>
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      <sshPrnamt>21438</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>21438</None>
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    <nameOfIssuer>HANESBRANDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>410345102</cusip>
    <value>1502</value>
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      <sshPrnamt>146001</sshPrnamt>
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      <None>146001</None>
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    <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>824348106</cusip>
    <value>420</value>
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      <sshPrnamt>1877</sshPrnamt>
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      <Sole>1345</Sole>
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      <None>532</None>
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    <nameOfIssuer>HEALTHCARE TR AMER INC</nameOfIssuer>
    <titleOfClass>CL A NEW</titleOfClass>
    <cusip>42225P501</cusip>
    <value>790</value>
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      <sshPrnamt>28294</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>HEALTHCARE TR AMER INC</nameOfIssuer>
    <titleOfClass>CL A NEW</titleOfClass>
    <cusip>42225P501</cusip>
    <value>1508</value>
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      <sshPrnamt>54028</sshPrnamt>
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    <votingAuthority>
      <Sole>46265</Sole>
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      <None>7763</None>
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    <nameOfIssuer>GROUP 1 AUTOMOTIVE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>398905109</cusip>
    <value>317</value>
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      <sshPrnamt>1864</sshPrnamt>
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      <Sole>0</Sole>
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      <None>1864</None>
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    <nameOfIssuer>HELIX ENERGY SOLUTIONS GRP I</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>42330P107</cusip>
    <value>31</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>10000</None>
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  <infoTable>
    <nameOfIssuer>HELMERICH &amp; PAYNE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>423452101</cusip>
    <value>880</value>
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      <sshPrnamt>20433</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>20433</None>
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    <nameOfIssuer>EOG RES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26875P101</cusip>
    <value>205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1859</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>1859</Sole>
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      <None>0</None>
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    <nameOfIssuer>HERBALIFE NUTRITION LTD</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>G4412G101</cusip>
    <value>256</value>
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      <sshPrnamt>12537</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>12537</None>
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    <nameOfIssuer>EQUIFAX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>294429105</cusip>
    <value>338</value>
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      <sshPrnamt>1850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>1700</Sole>
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      <None>150</None>
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  <infoTable>
    <nameOfIssuer>HERSHEY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>427866108</cusip>
    <value>4126</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19176</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>18744</Sole>
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      <None>432</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74834L100</cusip>
    <value>245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1844</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>263</Sole>
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      <None>1581</None>
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    <nameOfIssuer>HESS MIDSTREAM LP</nameOfIssuer>
    <titleOfClass>CL A SHS</titleOfClass>
    <cusip>428103105</cusip>
    <value>297</value>
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    <titleOfClass>EXTEND MKT ETF</titleOfClass>
    <cusip>922908652</cusip>
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      <None>0</None>
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    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
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    <cusip>46137V613</cusip>
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      <sshPrnamt>26617</sshPrnamt>
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      <None>25717</None>
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    <cusip>92532F100</cusip>
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      <None>0</None>
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    <cusip>46137V357</cusip>
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      <sshPrnamt>96332</sshPrnamt>
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      <None>0</None>
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    <value>234</value>
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      <sshPrnamt>1519</sshPrnamt>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <cusip>989207105</cusip>
    <value>442</value>
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      <sshPrnamt>1503</sshPrnamt>
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      <Sole>1503</Sole>
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      <None>0</None>
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    <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
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    <cusip>46090E103</cusip>
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      <sshPrnamt>243751</sshPrnamt>
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      <None>0</None>
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      <None>0</None>
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    <cusip>46090E103</cusip>
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      <None>607</None>
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      <None>0</None>
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      <sshPrnamt>1501</sshPrnamt>
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      <None>1266</None>
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      <None>1130</None>
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      <sshPrnamt>52620</sshPrnamt>
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      <None>5954</None>
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      <Sole>156448</Sole>
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      <None>9515</None>
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      <sshPrnamt>10869</sshPrnamt>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287630</cusip>
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      <sshPrnamt>1493</sshPrnamt>
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    <nameOfIssuer>ISHARES SILVER TR</nameOfIssuer>
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    <cusip>46428Q109</cusip>
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      <None>33551</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <value>2909</value>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287465</cusip>
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      <None>1099</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>NATIONAL MUN ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>PFD AND INCM SEC</titleOfClass>
    <cusip>464288687</cusip>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>PFD AND INCM SEC</titleOfClass>
    <cusip>464288687</cusip>
    <value>608</value>
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      <sshPrnamt>18495</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287614</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <value>2108</value>
    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <shrsOrPrnAmt>
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      <None>1912</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287630</cusip>
    <value>6951</value>
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      <None>2145</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287481</cusip>
    <value>1653</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20872</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MDCP VAL ETF</titleOfClass>
    <cusip>464287473</cusip>
    <value>3595</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35395</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MDCP VAL ETF</titleOfClass>
    <cusip>464287473</cusip>
    <value>1576</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15518</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>0</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MID CAP ETF</titleOfClass>
    <cusip>464287499</cusip>
    <value>2447</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37837</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>38283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>226049</sshPrnamt>
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    <votingAuthority>
      <Sole>215098</Sole>
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      <None>10951</None>
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    <nameOfIssuer>TRACTOR SUPPLY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>1248</sshPrnamt>
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      <Sole>1235</Sole>
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    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
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      <Sole>1245</Sole>
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      <Sole>1233</Sole>
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      <None>0</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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      <sshPrnamt>130709</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 GRWT ETF</titleOfClass>
    <cusip>464287309</cusip>
    <value>1815</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30081</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 VAL ETF</titleOfClass>
    <cusip>464287408</cusip>
    <value>12003</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87321</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 VAL ETF</titleOfClass>
    <cusip>464287408</cusip>
    <value>1708</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12429</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>EXTRA SPACE STORAGE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <shrsOrPrnAmt>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287507</cusip>
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    <titleOfClass>COM</titleOfClass>
    <cusip>369550108</cusip>
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    <cusip>92204A702</cusip>
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    <cusip>464287200</cusip>
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    <votingAuthority>
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    <cusip>465562106</cusip>
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      <None>15142</None>
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    <nameOfIssuer>J P MORGAN EXCHANGE-TRADED F</nameOfIssuer>
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    <nameOfIssuer>J P MORGAN EXCHANGE-TRADED F</nameOfIssuer>
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    <cusip>46641Q837</cusip>
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    <votingAuthority>
      <Sole>77420</Sole>
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      <None>3967</None>
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    <nameOfIssuer>J P MORGAN EXCHANGE-TRADED F</nameOfIssuer>
    <titleOfClass>ULTRA SHT MUNCPL</titleOfClass>
    <cusip>46641Q654</cusip>
    <value>3255</value>
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      <Sole>64260</Sole>
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      <None>0</None>
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    <nameOfIssuer>REGENERON PHARMACEUTICALS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75886F107</cusip>
    <value>657</value>
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    <votingAuthority>
      <Sole>943</Sole>
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      <None>170</None>
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    <nameOfIssuer>JAPAN SMALLER CAPITALIZATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>47109U104</cusip>
    <value>102</value>
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      <Sole>0</Sole>
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      <None>16102</None>
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    <nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
    <titleOfClass>UT SER 1</titleOfClass>
    <cusip>78467X109</cusip>
    <value>340</value>
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      <sshPrnamt>1105</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>787</Sole>
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      <None>318</None>
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  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>478160104</cusip>
    <value>47464</value>
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      <sshPrnamt>267389</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>6820</None>
    </votingAuthority>
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    <cusip>78467X109</cusip>
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    <nameOfIssuer>MAGELLAN MIDSTREAM PRTNRS LP</nameOfIssuer>
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    <cusip>56501R106</cusip>
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    <titleOfClass>COM</titleOfClass>
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      <Sole>19900</Sole>
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      <None>215</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>11135F101</cusip>
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      <sshPrnamt>804</sshPrnamt>
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      <Sole>408</Sole>
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      <None>396</None>
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    <nameOfIssuer>ROGERS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>775133101</cusip>
    <value>210</value>
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      <sshPrnamt>800</sshPrnamt>
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      <Sole>0</Sole>
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      <None>800</None>
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    <value>44</value>
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      <Sole>10000</Sole>
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      <None>0</None>
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    <value>2800</value>
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      <Sole>33231</Sole>
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    <value>1128</value>
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      <sshPrnamt>13545</sshPrnamt>
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      <Sole>13545</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>580135101</cusip>
    <value>20748</value>
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      <sshPrnamt>84040</sshPrnamt>
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      <Sole>82426</Sole>
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      <None>1614</None>
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    <value>3774</value>
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      <sshPrnamt>15288</sshPrnamt>
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      <Sole>15288</Sole>
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      <None>0</None>
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    <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
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    <cusip>G5960L103</cusip>
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      <sshPrnamt>15188</sshPrnamt>
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    <votingAuthority>
      <Sole>10985</Sole>
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      <None>4203</None>
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      <sshPrnamt>62584</sshPrnamt>
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    <votingAuthority>
      <Sole>57879</Sole>
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      <None>4705</None>
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      <sshPrnamt>450961</sshPrnamt>
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    <votingAuthority>
      <Sole>446483</Sole>
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      <None>4478</None>
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    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>60684</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>60684</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
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    <cusip>58933Y105</cusip>
    <value>16760</value>
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      <sshPrnamt>183846</sshPrnamt>
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      <Sole>147096</Sole>
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      <None>36750</None>
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    <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>30303M102</cusip>
    <value>8281</value>
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      <sshPrnamt>51355</sshPrnamt>
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      <Sole>46286</Sole>
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      <None>5069</None>
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    <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
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    <cusip>30303M102</cusip>
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      <sshPrnamt>19478</sshPrnamt>
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    <votingAuthority>
      <Sole>15650</Sole>
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      <None>3828</None>
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    <titleOfClass>SHS</titleOfClass>
    <cusip>G5494J103</cusip>
    <value>219</value>
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      <sshPrnamt>761</sshPrnamt>
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      <Sole>761</Sole>
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      <None>0</None>
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    <nameOfIssuer>METLIFE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>59156R108</cusip>
    <value>1003</value>
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      <sshPrnamt>15975</sshPrnamt>
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    <votingAuthority>
      <Sole>15861</Sole>
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      <None>114</None>
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  <infoTable>
    <nameOfIssuer>METLIFE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>59156R108</cusip>
    <value>3891</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20622</Sole>
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      <None>41341</None>
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    <nameOfIssuer>MEXICO FD INC</nameOfIssuer>
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    <cusip>592835102</cusip>
    <value>499</value>
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      <sshPrnamt>34579</sshPrnamt>
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      <Sole>0</Sole>
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      <None>34579</None>
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    <nameOfIssuer>MFS CHARTER INCOME TR</nameOfIssuer>
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    <cusip>552727109</cusip>
    <value>589</value>
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      <Sole>0</Sole>
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      <None>93512</None>
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    <nameOfIssuer>MFS MULTIMARKET INCOME TR</nameOfIssuer>
    <titleOfClass>SH BEN INT</titleOfClass>
    <cusip>552737108</cusip>
    <value>274</value>
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      <sshPrnamt>60187</sshPrnamt>
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    <votingAuthority>
      <Sole>4000</Sole>
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      <None>56187</None>
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    <nameOfIssuer>MGM RESORTS INTERNATIONAL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>552953101</cusip>
    <value>664</value>
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      <Sole>0</Sole>
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      <None>22946</None>
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    <nameOfIssuer>MICROCHIP TECHNOLOGY INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>595017104</cusip>
    <value>3643</value>
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      <sshPrnamt>62724</sshPrnamt>
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      <None>6732</None>
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    <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
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    <value>65788</value>
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      <Sole>245746</Sole>
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      <None>10406</None>
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      <Sole>19180</Sole>
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  <infoTable>
    <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>40732</value>
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      <Sole>122177</Sole>
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      <None>36416</None>
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    <nameOfIssuer>MID-AMER APT CMNTYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>59522J103</cusip>
    <value>2905</value>
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      <Sole>14653</Sole>
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      <None>1978</None>
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    <nameOfIssuer>MOLSON COORS BEVERAGE CO</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>60871R209</cusip>
    <value>1516</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>27805</None>
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    <nameOfIssuer>MONDELEZ INTL INC</nameOfIssuer>
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    <cusip>609207105</cusip>
    <value>1474</value>
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      <sshPrnamt>23735</sshPrnamt>
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      <Sole>17714</Sole>
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      <None>6021</None>
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    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91324P102</cusip>
    <value>381</value>
    <shrsOrPrnAmt>
      <sshPrnamt>742</sshPrnamt>
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      <Sole>742</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MONDELEZ INTL INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
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    <value>3229</value>
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      <Sole>33347</Sole>
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      <None>18662</None>
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    <nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>617446448</cusip>
    <value>10420</value>
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      <sshPrnamt>136993</sshPrnamt>
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    <votingAuthority>
      <Sole>132775</Sole>
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      <None>4218</None>
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    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
    <titleOfClass>8% MCNV PFD SR A</titleOfClass>
    <cusip>11135F200</cusip>
    <value>1097</value>
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      <sshPrnamt>730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>730</Sole>
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      <None>0</None>
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    <nameOfIssuer>MORGAN STANLEY INDIA INVT FD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>61745C105</cusip>
    <value>326</value>
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      <sshPrnamt>14575</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>14575</None>
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    <nameOfIssuer>NATIONAL BEVERAGE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>635017106</cusip>
    <value>5873</value>
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      <Sole>120000</Sole>
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      <None>0</None>
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    <nameOfIssuer>NEUBERGER BERMAN REAL ESTATE</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>64190A103</cusip>
    <value>58</value>
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      <sshPrnamt>14383</sshPrnamt>
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      <Sole>0</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NEW FOUND GOLD CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>64440N103</cusip>
    <value>45</value>
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      <sshPrnamt>10000</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NEW IRELAND FD INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>645673104</cusip>
    <value>437</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>55184</None>
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    <nameOfIssuer>NEW JERSEY RES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>646025106</cusip>
    <value>475</value>
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      <sshPrnamt>10661</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10661</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NEWMONT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>651639106</cusip>
    <value>970</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16264</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>16264</None>
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    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>356213</sshPrnamt>
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      <Sole>354180</Sole>
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      <None>2033</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>65339F101</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>18006</sshPrnamt>
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    <votingAuthority>
      <Sole>18006</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>65339F101</cusip>
    <value>9032</value>
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      <sshPrnamt>116593</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>109151</Sole>
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      <None>7442</None>
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    <nameOfIssuer>NEXTIER OILFIELD SOLUTIONS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>65290C105</cusip>
    <value>115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12106</sshPrnamt>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12106</None>
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    <nameOfIssuer>NIKE INC</nameOfIssuer>
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    <cusip>654106103</cusip>
    <value>5083</value>
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      <sshPrnamt>49737</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>46951</Sole>
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      <None>2786</None>
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    <nameOfIssuer>NIKE INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>654106103</cusip>
    <value>3117</value>
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      <sshPrnamt>30499</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>29628</Sole>
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      <None>871</None>
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    <nameOfIssuer>NORDSTROM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>655664100</cusip>
    <value>322</value>
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      <sshPrnamt>15243</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15243</None>
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    <nameOfIssuer>NORTH EUROPEAN OIL RTY TR</nameOfIssuer>
    <titleOfClass>SH BEN INT</titleOfClass>
    <cusip>659310106</cusip>
    <value>202</value>
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      <sshPrnamt>16504</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16504</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>INTUIT</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>461202103</cusip>
    <value>237</value>
    <shrsOrPrnAmt>
      <sshPrnamt>615</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>515</None>
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    <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G66721104</cusip>
    <value>161</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14476</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>14226</None>
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    <nameOfIssuer>NOVARTIS AG</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>66987V109</cusip>
    <value>985</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10032</Sole>
      <Shared>876</Shared>
      <None>748</None>
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    <nameOfIssuer>NOVARTIS AG</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>66987V109</cusip>
    <value>4072</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48169</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>39288</Sole>
      <Shared>0</Shared>
      <None>8881</None>
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    <nameOfIssuer>NUCOR CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>670346105</cusip>
    <value>6667</value>
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      <sshPrnamt>63851</sshPrnamt>
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    <votingAuthority>
      <Sole>63246</Sole>
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      <None>605</None>
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    <nameOfIssuer>NUCOR CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>670346105</cusip>
    <value>3198</value>
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      <sshPrnamt>30625</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26910</Sole>
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      <None>3715</None>
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    <nameOfIssuer>NUTRIEN LTD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67077M108</cusip>
    <value>1413</value>
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      <sshPrnamt>17731</sshPrnamt>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17731</None>
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    <nameOfIssuer>NUVEEN AMT FREE MUN CR INC F</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67071L106</cusip>
    <value>248</value>
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      <sshPrnamt>18896</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1566</Sole>
      <Shared>0</Shared>
      <None>17330</None>
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    <nameOfIssuer>NUVEEN AMT FREE QLTY MUN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>670657105</cusip>
    <value>161</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13689</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13689</None>
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    <nameOfIssuer>NUVEEN NEW JERSEY QULT MUN F</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67069Y102</cusip>
    <value>133</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NUVEEN NEW JERSEY QULT MUN F</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67069Y102</cusip>
    <value>266</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21123</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21123</None>
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    <nameOfIssuer>NUVEEN QUALITY MUNCP INCOME</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67066V101</cusip>
    <value>255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20436</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>240</Sole>
      <Shared>0</Shared>
      <None>20196</None>
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    <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>674599105</cusip>
    <value>689</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11709</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11709</None>
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    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>883556102</cusip>
    <value>288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>530</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>530</Sole>
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      <None>0</None>
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    <nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>666807102</cusip>
    <value>241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>503</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>412</Sole>
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      <None>91</None>
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    <nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>682680103</cusip>
    <value>634</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11417</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10917</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
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    <nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>697435105</cusip>
    <value>247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>501</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>103</Sole>
      <Shared>0</Shared>
      <None>398</None>
    </votingAuthority>
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    <nameOfIssuer>ORACLE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68389X105</cusip>
    <value>14424</value>
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      <sshPrnamt>206437</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>204592</Sole>
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      <None>1845</None>
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  <infoTable>
    <nameOfIssuer>ORACLE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68389X105</cusip>
    <value>6624</value>
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      <sshPrnamt>94786</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>82269</Sole>
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      <None>12517</None>
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    <nameOfIssuer>ORANGE</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>684060106</cusip>
    <value>204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17342</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17342</None>
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    <nameOfIssuer>ORGANON &amp; CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>68622V106</cusip>
    <value>608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18018</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>17709</Sole>
      <Shared>0</Shared>
      <None>309</None>
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  <infoTable>
    <nameOfIssuer>ORGANON &amp; CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>68622V106</cusip>
    <value>615</value>
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      <sshPrnamt>18201</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2954</Sole>
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      <None>15247</None>
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  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68902V107</cusip>
    <value>4209</value>
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      <sshPrnamt>59558</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>51771</Sole>
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      <None>7787</None>
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    <nameOfIssuer>PACKAGING CORP AMER</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>695156109</cusip>
    <value>18732</value>
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      <sshPrnamt>136233</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>136213</Sole>
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      <None>20</None>
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    <nameOfIssuer>PARAMOUNT GLOBAL CLASS B</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92556H206</cusip>
    <value>1331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53935</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>42964</Sole>
      <Shared>9240</Shared>
      <None>1731</None>
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  <infoTable>
    <nameOfIssuer>PARAMOUNT GLOBAL CLASS B</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92556H206</cusip>
    <value>1533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62093</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2740</Sole>
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      <None>59353</None>
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    <nameOfIssuer>PAYPAL HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>70450Y103</cusip>
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      <sshPrnamt>191655</sshPrnamt>
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      <Sole>186652</Sole>
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      <None>5003</None>
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  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>70450Y103</cusip>
    <value>735</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>10525</Sole>
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      <None>0</None>
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    <shrsOrPrnAmt>
      <sshPrnamt>21907</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20901</Sole>
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      <None>1006</None>
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    <nameOfIssuer>PEAPACK-GLADSTONE FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>704699107</cusip>
    <value>15646</value>
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      <sshPrnamt>526816</sshPrnamt>
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      <Sole>476852</Sole>
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    <nameOfIssuer>PEAPACK-GLADSTONE FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>3464</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>102767</Sole>
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      <None>13860</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>704699107</cusip>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>REAVES UTIL INCOME FD</nameOfIssuer>
    <titleOfClass>COM SH BEN INT</titleOfClass>
    <cusip>756158101</cusip>
    <value>405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13057</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13057</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RIO TINTO PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>767204100</cusip>
    <value>738</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>360</Sole>
      <Shared>0</Shared>
      <None>11745</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>773903109</cusip>
    <value>6378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31998</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>31831</Sole>
      <Shared>0</Shared>
      <None>167</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC</nameOfIssuer>
    <titleOfClass>CAP STK CL C</titleOfClass>
    <cusip>02079K107</cusip>
    <value>667</value>
    <shrsOrPrnAmt>
      <sshPrnamt>305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>305</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYCE MICRO-CAP TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>780915104</cusip>
    <value>392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46936</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>46936</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78409V104</cusip>
    <value>9273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27512</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24872</Sole>
      <Shared>0</Shared>
      <None>2640</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SABINE RTY TR</nameOfIssuer>
    <titleOfClass>UNIT BEN INT</titleOfClass>
    <cusip>785688102</cusip>
    <value>1667</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27396</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>27396</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SANOFI</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>80105N105</cusip>
    <value>1377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27518</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17662</Sole>
      <Shared>0</Shared>
      <None>9856</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAREPTA THERAPEUTICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>803607100</cusip>
    <value>878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11716</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11716</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
    <titleOfClass>COM STK</titleOfClass>
    <cusip>806857108</cusip>
    <value>1933</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54059</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>50694</Sole>
      <Shared>0</Shared>
      <None>3365</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
    <titleOfClass>COM STK</titleOfClass>
    <cusip>806857108</cusip>
    <value>5964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>166756</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>62679</Sole>
      <Shared>0</Shared>
      <None>104077</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>808513105</cusip>
    <value>17560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>277931</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>275578</Sole>
      <Shared>0</Shared>
      <None>2353</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>808513105</cusip>
    <value>1336</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>21144</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>808513105</cusip>
    <value>2535</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40124</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>32539</Sole>
      <Shared>0</Shared>
      <None>7585</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>EMRG MKTEQ ETF</titleOfClass>
    <cusip>808524706</cusip>
    <value>1405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55362</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>54451</Sole>
      <Shared>0</Shared>
      <None>911</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>INTL EQTY ETF</titleOfClass>
    <cusip>808524805</cusip>
    <value>16339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>519518</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>458486</Sole>
      <Shared>0</Shared>
      <None>61032</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>SCHWAB FDT US LG</titleOfClass>
    <cusip>808524771</cusip>
    <value>1949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38298</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>58</Sole>
      <Shared>0</Shared>
      <None>38240</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>SCHWB FDT INT LG</titleOfClass>
    <cusip>808524755</cusip>
    <value>3102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109561</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>101</Sole>
      <Shared>0</Shared>
      <None>109460</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US DIVIDEND EQ</titleOfClass>
    <cusip>808524797</cusip>
    <value>2865</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14380</Sole>
      <Shared>0</Shared>
      <None>25620</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US LCAP VA ETF</titleOfClass>
    <cusip>808524409</cusip>
    <value>759</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12159</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>2774</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>60407</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>1529</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>39027</Sole>
      <Shared>0</Shared>
      <None>186</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL</nameOfIssuer>
    <titleOfClass>ORD SHS</titleOfClass>
    <cusip>G7997R103</cusip>
    <value>1972</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27606</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27606</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>ENERGY</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>10995</value>
    <shrsOrPrnAmt>
      <sshPrnamt>153750</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>1542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21552</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19101</Sole>
      <Shared>0</Shared>
      <None>2451</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>FINANCIAL</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>348</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>3068</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>96167</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>7994</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>57571</Sole>
      <Shared>0</Shared>
      <None>573</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS STPLS</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>2800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>38723</Sole>
      <Shared>0</Shared>
      <None>73</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>1641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12797</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>3464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27012</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23331</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>893</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10226</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>3768</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43142</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>42926</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>1131</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16127</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>892</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12712</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12670</Sole>
      <Shared>0</Shared>
      <None>42</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>2626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20657</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>1984</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15607</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15397</Sole>
      <Shared>0</Shared>
      <None>210</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENSATA TECHNOLOGIES HLDG PL</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G8060N102</cusip>
    <value>716</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17325</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHELL PLC</nameOfIssuer>
    <titleOfClass>SPON ADS</titleOfClass>
    <cusip>780259305</cusip>
    <value>807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15439</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11825</Sole>
      <Shared>0</Shared>
      <None>3614</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHELL PLC</nameOfIssuer>
    <titleOfClass>SPON ADS</titleOfClass>
    <cusip>780259305</cusip>
    <value>2842</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
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    <cusip>88087E100</cusip>
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      <sshPrnamt>92308</sshPrnamt>
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    <votingAuthority>
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      <None>9575</None>
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    <votingAuthority>
      <Sole>10100</Sole>
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      <None>67182</None>
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      <sshPrnamt>53521</sshPrnamt>
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    <votingAuthority>
      <Sole>50627</Sole>
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      <None>2894</None>
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      <sshPrnamt>10471</sshPrnamt>
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    <votingAuthority>
      <Sole>7788</Sole>
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      <None>2683</None>
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      <None>1331</None>
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      <sshPrnamt>43432</sshPrnamt>
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    <votingAuthority>
      <Sole>41107</Sole>
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      <None>2325</None>
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      <None>3223</None>
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    <cusip>872540109</cusip>
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      <sshPrnamt>23598</sshPrnamt>
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      <None>0</None>
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    <votingAuthority>
      <Sole>61229</Sole>
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      <None>2137</None>
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    <cusip>89151E109</cusip>
    <value>1174</value>
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      <sshPrnamt>22303</sshPrnamt>
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      <Sole>22303</Sole>
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      <None>0</None>
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    <nameOfIssuer>TOTALENERGIES SE</nameOfIssuer>
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    <cusip>89151E109</cusip>
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      <sshPrnamt>18220</sshPrnamt>
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    <votingAuthority>
      <Sole>12660</Sole>
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      <None>5560</None>
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    <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G8994E103</cusip>
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      <sshPrnamt>73565</sshPrnamt>
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      <Sole>73561</Sole>
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      <None>4</None>
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    <cusip>H8817H100</cusip>
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      <Sole>0</Sole>
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      <None>18269</None>
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    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>12155</sshPrnamt>
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    <votingAuthority>
      <Sole>100</Sole>
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      <None>12055</None>
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      <sshPrnamt>16109</sshPrnamt>
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      <None>16109</None>
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    <cusip>89832Q109</cusip>
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      <sshPrnamt>274983</sshPrnamt>
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      <Sole>270960</Sole>
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      <None>4023</None>
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    <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89832Q109</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>18520</Sole>
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      <None>0</None>
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    <nameOfIssuer>TURKCELL ILETISIM HIZMETLERI</nameOfIssuer>
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    <cusip>900111204</cusip>
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      <None>24185</None>
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    <cusip>902494103</cusip>
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      <sshPrnamt>45522</sshPrnamt>
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    <votingAuthority>
      <Sole>112</Sole>
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      <None>45410</None>
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    <nameOfIssuer>UMH PPTYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>903002103</cusip>
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    <cusip>904767704</cusip>
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    <votingAuthority>
      <Sole>17478</Sole>
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      <None>17834</None>
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    <cusip>907818108</cusip>
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      <sshPrnamt>193719</sshPrnamt>
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    <nameOfIssuer>UNITED AIRLS HLDGS INC</nameOfIssuer>
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    <cusip>910047109</cusip>
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    <votingAuthority>
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      <None>9332</None>
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      <None>2183</None>
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      <Sole>24232</Sole>
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    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
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      <Sole>20037</Sole>
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      <None>5605</None>
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    <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
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      <None>8232</None>
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    <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
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    <value>1278</value>
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    <votingAuthority>
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      <None>5072</None>
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    <nameOfIssuer>USA COMPRESSION PARTNERS LP</nameOfIssuer>
    <titleOfClass>COMUNIT LTDPAR</titleOfClass>
    <cusip>90290N109</cusip>
    <value>182</value>
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    <votingAuthority>
      <Sole>10901</Sole>
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      <None>0</None>
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    <nameOfIssuer>V F CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>918204108</cusip>
    <value>7853</value>
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    <votingAuthority>
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      <None>1236</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>918204108</cusip>
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      <Sole>22610</Sole>
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      <None>700</None>
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    <nameOfIssuer>VALE S A</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>91912E105</cusip>
    <value>1169</value>
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      <None>79921</None>
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    <nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>1454</value>
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    <votingAuthority>
      <Sole>890</Sole>
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      <None>12795</None>
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    <nameOfIssuer>VALLEY NATL BANCORP</nameOfIssuer>
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    <cusip>919794107</cusip>
    <value>135</value>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>INTERMED TERM</titleOfClass>
    <cusip>921937819</cusip>
    <value>14157</value>
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  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>SHORT TRM BOND</titleOfClass>
    <cusip>921937827</cusip>
    <value>30222</value>
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      <sshPrnamt>393568</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>SHORT TRM BOND</titleOfClass>
    <cusip>921937827</cusip>
    <value>1779</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23168</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>1414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18409</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18224</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>2100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27903</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>27399</Sole>
      <Shared>0</Shared>
      <None>504</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>VANGUARD ULTRA</titleOfClass>
    <cusip>92203C303</cusip>
    <value>2162</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>43940</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP VL IDXVIP</titleOfClass>
    <cusip>922908512</cusip>
    <value>13661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105472</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>98402</Sole>
      <Shared>0</Shared>
      <None>7070</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>40075</value>
    <shrsOrPrnAmt>
      <sshPrnamt>203455</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>14372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>157747</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>2282</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25056</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22330</Sole>
      <Shared>0</Shared>
      <None>2726</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SM CP VAL ETF</titleOfClass>
    <cusip>922908611</cusip>
    <value>7954</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53090</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>1885</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12585</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>52551</value>
    <shrsOrPrnAmt>
      <sshPrnamt>298401</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>2520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14312</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>3024</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17172</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16757</Sole>
      <Shared>0</Shared>
      <None>415</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SML CP GRW ETF</titleOfClass>
    <cusip>922908595</cusip>
    <value>6533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33158</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>4670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23707</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21422</Sole>
      <Shared>0</Shared>
      <None>2285</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS S&amp;P 500 ETF</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>922908363</cusip>
    <value>68366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>197088</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 S&amp;P 500 ETF</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>922908363</cusip>
    <value>5763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16614</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>ALLWRLD EX US</titleOfClass>
    <cusip>922042775</cusip>
    <value>915</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18311</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>31691</value>
    <shrsOrPrnAmt>
      <sshPrnamt>760880</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>1897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45558</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</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>1493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35828</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>30942</Sole>
      <Shared>0</Shared>
      <None>4886</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EUROPE ETF</titleOfClass>
    <cusip>922042874</cusip>
    <value>37246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>705147</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 EUROPE ETF</titleOfClass>
    <cusip>922042874</cusip>
    <value>1319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24975</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE SMCAP ETF</titleOfClass>
    <cusip>922042718</cusip>
    <value>9848</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95415</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>90674</Sole>
      <Shared>0</Shared>
      <None>4741</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
    <titleOfClass>STRM INFPROIDX</titleOfClass>
    <cusip>922020805</cusip>
    <value>5287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105476</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>376</Sole>
      <Shared>0</Shared>
      <None>105100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS SHRT TRM CORP</nameOfIssuer>
    <titleOfClass>BD</titleOfClass>
    <cusip>92206C409</cusip>
    <value>1132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14850</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
    <titleOfClass>DIV APP ETF</titleOfClass>
    <cusip>921908844</cusip>
    <value>4499</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31357</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24323</Sole>
      <Shared>0</Shared>
      <None>7034</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED INTL FD</nameOfIssuer>
    <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
    <cusip>921943858</cusip>
    <value>1393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34143</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED INTL FD</nameOfIssuer>
    <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
    <cusip>921943858</cusip>
    <value>3850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94361</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>91721</Sole>
      <Shared>0</Shared>
      <None>2640</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>HIGH DIV YLD</titleOfClass>
    <cusip>921946406</cusip>
    <value>3425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33676</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>HIGH DIV YLD</titleOfClass>
    <cusip>921946406</cusip>
    <value>6314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62082</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2620</Sole>
      <Shared>0</Shared>
      <None>59462</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>COMM SRVC ETF</titleOfClass>
    <cusip>92204A884</cusip>
    <value>1910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20314</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20314</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF</titleOfClass>
    <cusip>92204A504</cusip>
    <value>26530</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>084670108</cusip>
    <value>18403</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>45</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>INF TECH ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>6156</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18853</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18853</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92276F100</cusip>
    <value>1671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32489</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>32489</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>22289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>439191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>434564</Sole>
      <Shared>0</Shared>
      <None>4627</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>2338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46077</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>42437</Sole>
      <Shared>410</Shared>
      <None>3230</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>6361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125328</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>61209</Sole>
      <Shared>0</Shared>
      <None>64119</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIACOMCBS INC</nameOfIssuer>
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    <cusip>95766Q106</cusip>
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</SEC-DOCUMENT>
