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<infoTable><nameOfIssuer>AbbVie Inc.</nameOfIssuer>
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<value>33</value>
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<infoTable><nameOfIssuer>Abbott Laboratories</nameOfIssuer>
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<value>23</value>
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<infoTable><nameOfIssuer>Acco Brands Corp.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>00081T108</cusip>
<value>25</value>
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<investmentDiscretion>SOLE</investmentDiscretion>
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<votingAuthority><Sole>2757</Sole>
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<None>0</None>
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<infoTable><nameOfIssuer>Aflac Inc.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>001055102</cusip>
<value>4433</value>
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<None>0</None>
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<infoTable><nameOfIssuer>American Tower Corp.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>03027X100</cusip>
<value>6378</value>
<shrsOrPrnAmt><sshPrnamt>64520</sshPrnamt>
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<investmentDiscretion>SOLE</investmentDiscretion>
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<votingAuthority><Sole>64520</Sole>
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<None>0</None>
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<infoTable><nameOfIssuer>Amgen Inc.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>031162100</cusip>
<value>9364</value>
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<investmentDiscretion>SOLE</investmentDiscretion>
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<votingAuthority><Sole>58786</Sole>
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<None>0</None>
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<infoTable><nameOfIssuer>Apple Inc.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>037833100</cusip>
<value>31</value>
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<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>280</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
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<infoTable><nameOfIssuer>Bank of New York Mellon Corp.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>064058100</cusip>
<value>10</value>
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<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>241</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Baxter International Inc.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>071813109</cusip>
<value>4106</value>
<shrsOrPrnAmt><sshPrnamt>56018</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>56018</Sole>
<Shared>0</Shared>
<None>0</None>
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</infoTable>
<infoTable><nameOfIssuer>Berkshire Hathaway Inc. Class</nameOfIssuer>
<titleOfClass>CL B NEW</titleOfClass>
<cusip>084670702</cusip>
<value>111</value>
<shrsOrPrnAmt><sshPrnamt>742</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>742</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Boeing Co.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>097023105</cusip>
<value>965</value>
<shrsOrPrnAmt><sshPrnamt>7426</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>7426</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Boston Scientific Corp.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>101137107</cusip>
<value>11</value>
<shrsOrPrnAmt><sshPrnamt>806</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>806</Sole>
<Shared>0</Shared>
<None>0</None>
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<infoTable><nameOfIssuer>CVS Health Corp.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>126650100</cusip>
<value>13300</value>
<shrsOrPrnAmt><sshPrnamt>138096</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>138096</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Canadian Natural Resources Ltd</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>136385101</cusip>
<value>235</value>
<shrsOrPrnAmt><sshPrnamt>7600</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>7600</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Caterpillar Inc.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>149123101</cusip>
<value>13</value>
<shrsOrPrnAmt><sshPrnamt>140</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>140</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Cenovus Energy Inc.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>15135U109</cusip>
<value>742</value>
<shrsOrPrnAmt><sshPrnamt>35993</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>35993</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Chevron Corp.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>166764100</cusip>
<value>189</value>
<shrsOrPrnAmt><sshPrnamt>1816</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>1816</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Colgate-Palmolive Co.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>194162103</cusip>
<value>8251</value>
<shrsOrPrnAmt><sshPrnamt>119258</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>119258</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Comcast Corp.</nameOfIssuer>
<titleOfClass>CL A</titleOfClass>
<cusip>20030N101</cusip>
<value>407</value>
<shrsOrPrnAmt><sshPrnamt>7022</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>7022</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>ConocoPhillips</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>20825C104</cusip>
<value>4374</value>
<shrsOrPrnAmt><sshPrnamt>63338</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>63338</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Covidien plc</nameOfIssuer>
<titleOfClass>SHS</titleOfClass>
<cusip>G2554F113</cusip>
<value>592</value>
<shrsOrPrnAmt><sshPrnamt>5789</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>5789</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Cummins Inc.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>231021106</cusip>
<value>202</value>
<shrsOrPrnAmt><sshPrnamt>1400</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>1400</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Devon Energy Corp.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>25179M103</cusip>
<value>5</value>
<shrsOrPrnAmt><sshPrnamt>75</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>75</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>EMC Corp.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>268648102</cusip>
<value>9008</value>
<shrsOrPrnAmt><sshPrnamt>302892</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>302892</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Eli Lilly &amp; Co.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>532457108</cusip>
<value>474</value>
<shrsOrPrnAmt><sshPrnamt>6875</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>6875</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>EnCana Corp.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>292505104</cusip>
<value>2112</value>
<shrsOrPrnAmt><sshPrnamt>152278</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>152278</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Express Scripts Inc.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>30219G108</cusip>
<value>1153</value>
<shrsOrPrnAmt><sshPrnamt>13614</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>13614</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Exxon Mobil Corp.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>30231G102</cusip>
<value>4681</value>
<shrsOrPrnAmt><sshPrnamt>50634</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>50634</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Franklin Resources Inc.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>354613101</cusip>
<value>395</value>
<shrsOrPrnAmt><sshPrnamt>7140</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>7140</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Freeport-McMoRan Copper &amp; Gold</nameOfIssuer>
<titleOfClass>CL B</titleOfClass>
<cusip>35671D857</cusip>
<value>3</value>
<shrsOrPrnAmt><sshPrnamt>110</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>110</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>General Dynamics Corp.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>369550108</cusip>
<value>18</value>
<shrsOrPrnAmt><sshPrnamt>134</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>134</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>General Electric Co.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>369604103</cusip>
<value>6992</value>
<shrsOrPrnAmt><sshPrnamt>276702</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>276702</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Goldman Sachs Group Inc.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>38141G104</cusip>
<value>4054</value>
<shrsOrPrnAmt><sshPrnamt>20916</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>20916</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Halliburton Co.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>406216101</cusip>
<value>11</value>
<shrsOrPrnAmt><sshPrnamt>290</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>290</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Halyard Health Inc.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>40650V100</cusip>
<value>407</value>
<shrsOrPrnAmt><sshPrnamt>8944</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>8944</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Hewlett-Packard Co.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>428236103</cusip>
<value>12</value>
<shrsOrPrnAmt><sshPrnamt>300</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>300</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Home Depot Inc.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>437076102</cusip>
<value>6654</value>
<shrsOrPrnAmt><sshPrnamt>63390</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>63390</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Honeywell International Inc.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>438516106</cusip>
<value>11325</value>
<shrsOrPrnAmt><sshPrnamt>113341</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>113341</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>IDEX Corp.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>45167R104</cusip>
<value>140</value>
<shrsOrPrnAmt><sshPrnamt>1800</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>1800</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Illinois Tool Works Inc.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>452308109</cusip>
<value>19</value>
<shrsOrPrnAmt><sshPrnamt>200</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>200</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Intel Corp.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>458140100</cusip>
<value>8497</value>
<shrsOrPrnAmt><sshPrnamt>234128</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>234128</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Intuit Inc.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>461202103</cusip>
<value>1492</value>
<shrsOrPrnAmt><sshPrnamt>16180</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>16180</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Johnson &amp; Johnson</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>478160104</cusip>
<value>7788</value>
<shrsOrPrnAmt><sshPrnamt>74479</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>74479</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Johnson Controls Inc.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>478366107</cusip>
<value>1150</value>
<shrsOrPrnAmt><sshPrnamt>23780</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>23780</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Kimberly-Clark Corp.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>494368103</cusip>
<value>8370</value>
<shrsOrPrnAmt><sshPrnamt>72440</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>72440</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Kroger Co.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>501044101</cusip>
<value>10010</value>
<shrsOrPrnAmt><sshPrnamt>155890</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>155890</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Lincoln National Corp.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>534187109</cusip>
<value>18</value>
<shrsOrPrnAmt><sshPrnamt>315</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>315</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Linear Technology Corp.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>535678106</cusip>
<value>14</value>
<shrsOrPrnAmt><sshPrnamt>300</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>300</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Macys Inc.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>55616P104</cusip>
<value>7</value>
<shrsOrPrnAmt><sshPrnamt>100</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>100</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Mallinckrodt plc</nameOfIssuer>
<titleOfClass>SHS</titleOfClass>
<cusip>G5785G107</cusip>
<value>69</value>
<shrsOrPrnAmt><sshPrnamt>692</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>692</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Marathon Petroleum Corp.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>56585A102</cusip>
<value>36</value>
<shrsOrPrnAmt><sshPrnamt>400</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>400</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Martin Marietta Materials Inc.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>573284106</cusip>
<value>77</value>
<shrsOrPrnAmt><sshPrnamt>700</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>700</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>McCormick &amp; Co. Inc.</nameOfIssuer>
<titleOfClass>COM NON VTG</titleOfClass>
<cusip>579780206</cusip>
<value>149</value>
<shrsOrPrnAmt><sshPrnamt>2000</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>2000</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>MeadWestvaco Corp.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>583334107</cusip>
<value>276</value>
<shrsOrPrnAmt><sshPrnamt>6226</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>6226</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Medtronic Inc.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>585055106</cusip>
<value>7230</value>
<shrsOrPrnAmt><sshPrnamt>100139</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>100139</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Merck &amp; Co. Inc.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>58933Y105</cusip>
<value>190</value>
<shrsOrPrnAmt><sshPrnamt>3349</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>3349</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>MetLife Inc.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>59156R108</cusip>
<value>4967</value>
<shrsOrPrnAmt><sshPrnamt>91837</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>91837</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Microsoft Corp.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>594918104</cusip>
<value>10397</value>
<shrsOrPrnAmt><sshPrnamt>223836</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>223836</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Nike Inc.</nameOfIssuer>
<titleOfClass>CL B</titleOfClass>
<cusip>654106103</cusip>
<value>308</value>
<shrsOrPrnAmt><sshPrnamt>3200</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>3200</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Norfolk Southern Corp.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>655844108</cusip>
<value>9</value>
<shrsOrPrnAmt><sshPrnamt>81</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>81</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>PNC Financial Services Group I</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>693475105</cusip>
<value>4452</value>
<shrsOrPrnAmt><sshPrnamt>48800</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>48800</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Pentair plc</nameOfIssuer>
<titleOfClass>SHS</titleOfClass>
<cusip>G7S00T104</cusip>
<value>63</value>
<shrsOrPrnAmt><sshPrnamt>942</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>942</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Pepsico Inc.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>713448108</cusip>
<value>7954</value>
<shrsOrPrnAmt><sshPrnamt>84115</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>84115</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Phillips 66 Co.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>718546104</cusip>
<value>5883</value>
<shrsOrPrnAmt><sshPrnamt>82050</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>82050</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Praxair Inc.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>74005P104</cusip>
<value>7446</value>
<shrsOrPrnAmt><sshPrnamt>57473</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>57473</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Procter &amp; Gamble Co.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>742718109</cusip>
<value>36</value>
<shrsOrPrnAmt><sshPrnamt>400</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>400</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>QEP Resources Inc.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>74733V100</cusip>
<value>826</value>
<shrsOrPrnAmt><sshPrnamt>40827</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>40827</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Qualcomm Inc.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>747525103</cusip>
<value>4</value>
<shrsOrPrnAmt><sshPrnamt>48</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>48</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Questar Corp.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>748356102</cusip>
<value>4198</value>
<shrsOrPrnAmt><sshPrnamt>166042</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>166042</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Rayonier Advanced Materials In</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>75508B104</cusip>
<value>20</value>
<shrsOrPrnAmt><sshPrnamt>883</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>883</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Rayonier Inc.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>754907103</cusip>
<value>74</value>
<shrsOrPrnAmt><sshPrnamt>2654</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>2654</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Schlumberger Ltd.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>806857108</cusip>
<value>3461</value>
<shrsOrPrnAmt><sshPrnamt>40520</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>40520</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>St. Jude Medical Inc.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>790849103</cusip>
<value>10</value>
<shrsOrPrnAmt><sshPrnamt>155</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>155</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Stericycle Inc.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>858912108</cusip>
<value>4550</value>
<shrsOrPrnAmt><sshPrnamt>34715</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>34715</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>TJX Companies Inc.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>872540109</cusip>
<value>6140</value>
<shrsOrPrnAmt><sshPrnamt>89530</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>89530</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Teva Pharmaceutical Industries</nameOfIssuer>
<titleOfClass>ADR</titleOfClass>
<cusip>881624209</cusip>
<value>3128</value>
<shrsOrPrnAmt><sshPrnamt>54395</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>54395</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Texas Instruments Inc.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>882508104</cusip>
<value>3870</value>
<shrsOrPrnAmt><sshPrnamt>72390</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>72390</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>The ADT Corporation Co.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>00101J106</cusip>
<value>71</value>
<shrsOrPrnAmt><sshPrnamt>1961</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>1961</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>The Walt Disney Co.</nameOfIssuer>
<titleOfClass>COM DISNEY</titleOfClass>
<cusip>254687106</cusip>
<value>7779</value>
<shrsOrPrnAmt><sshPrnamt>82589</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>82589</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Transocean Ltd.</nameOfIssuer>
<titleOfClass>REG SHS</titleOfClass>
<cusip>H8817H100</cusip>
<value>40</value>
<shrsOrPrnAmt><sshPrnamt>2205</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>2205</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Tyco International Ltd.</nameOfIssuer>
<titleOfClass>SHS</titleOfClass>
<cusip>G91442106</cusip>
<value>179</value>
<shrsOrPrnAmt><sshPrnamt>4071</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>4071</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>U.S. Bancorp</nameOfIssuer>
<titleOfClass>COM NEW</titleOfClass>
<cusip>902973304</cusip>
<value>6008</value>
<shrsOrPrnAmt><sshPrnamt>133665</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>133665</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Union Pacific Corp.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>907818108</cusip>
<value>10363</value>
<shrsOrPrnAmt><sshPrnamt>86992</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>86992</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>United Technologies Corp.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>913017109</cusip>
<value>9098</value>
<shrsOrPrnAmt><sshPrnamt>79115</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>79115</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>VF Corp.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>918204108</cusip>
<value>9188</value>
<shrsOrPrnAmt><sshPrnamt>122670</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>122670</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Valero Energy Corp.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>91913Y100</cusip>
<value>5</value>
<shrsOrPrnAmt><sshPrnamt>110</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>110</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Vectren Corp.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>92240G101</cusip>
<value>46</value>
<shrsOrPrnAmt><sshPrnamt>1000</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>1000</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>W.R. Berkley Corp.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>084423102</cusip>
<value>3613</value>
<shrsOrPrnAmt><sshPrnamt>70480</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>70480</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Wal-Mart Stores Inc.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>931142103</cusip>
<value>16</value>
<shrsOrPrnAmt><sshPrnamt>185</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>185</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Wells Fargo &amp; Co.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>949746101</cusip>
<value>7152</value>
<shrsOrPrnAmt><sshPrnamt>130471</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>130471</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Yum Brands Inc.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>988498101</cusip>
<value>12</value>
<shrsOrPrnAmt><sshPrnamt>160</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>160</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Zimmer Holdings Inc.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>98956P102</cusip>
<value>9</value>
<shrsOrPrnAmt><sshPrnamt>75</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>75</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>American International Group I</nameOfIssuer>
<titleOfClass>*W EXP 01/19/202</titleOfClass>
<cusip>026874156</cusip>
<value>0</value>
<shrsOrPrnAmt><sshPrnamt>3</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>3</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Vanguard FTSE Emerging Markets</nameOfIssuer>
<titleOfClass>FTSE EMR MKT ETF</titleOfClass>
<cusip>922042858</cusip>
<value>2035</value>
<shrsOrPrnAmt><sshPrnamt>50858</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>50858</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>iShares MSCI EAFE Index Fund</nameOfIssuer>
<titleOfClass>MSCI EAFE ETF</titleOfClass>
<cusip>464287465</cusip>
<value>12511</value>
<shrsOrPrnAmt><sshPrnamt>205643</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>205643</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>iShares Russell 2000 Index Fun</nameOfIssuer>
<titleOfClass>RUSSELL 2000 ETF</titleOfClass>
<cusip>464287655</cusip>
<value>4349</value>
<shrsOrPrnAmt><sshPrnamt>36357</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>36357</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>iShares Russell 2000 Growth In</nameOfIssuer>
<titleOfClass>RUS 2000 GRW ETF</titleOfClass>
<cusip>464287648</cusip>
<value>10</value>
<shrsOrPrnAmt><sshPrnamt>70</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>70</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>SPDR Dow Jones Industrial Aver</nameOfIssuer>
<titleOfClass>UT SER 1</titleOfClass>
<cusip>78467X109</cusip>
<value>78</value>
<shrsOrPrnAmt><sshPrnamt>437</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>437</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>SPDR S&amp;P 500 ETF</nameOfIssuer>
<titleOfClass>TR UNIT</titleOfClass>
<cusip>78462F103</cusip>
<value>1821</value>
<shrsOrPrnAmt><sshPrnamt>8859</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>8859</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>SPDR S&amp;P Dividend ETF</nameOfIssuer>
<titleOfClass>S&amp;P DIVID ETF</titleOfClass>
<cusip>78464A763</cusip>
<value>14</value>
<shrsOrPrnAmt><sshPrnamt>175</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>175</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Schwab US Broad Martket ETF</nameOfIssuer>
<titleOfClass>US BRD MKT ETF</titleOfClass>
<cusip>808524102</cusip>
<value>16</value>
<shrsOrPrnAmt><sshPrnamt>312</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>312</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Schwab US Dividend Equity ETF</nameOfIssuer>
<titleOfClass>US DIVIDEND EQ</titleOfClass>
<cusip>808524797</cusip>
<value>16</value>
<shrsOrPrnAmt><sshPrnamt>400</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>400</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>Schwab US Large Cap ETF</nameOfIssuer>
<titleOfClass>US LRG CAP ETF</titleOfClass>
<cusip>808524201</cusip>
<value>15</value>
<shrsOrPrnAmt><sshPrnamt>311</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>311</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>SPDR Barclays High Yield Bond</nameOfIssuer>
<titleOfClass>BRC HGH YLD BD</titleOfClass>
<cusip>78464A417</cusip>
<value>3490</value>
<shrsOrPrnAmt><sshPrnamt>90390</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>90390</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>SPDR Barclays Short-Term High</nameOfIssuer>
<titleOfClass>SHT TRM HGH YLD</titleOfClass>
<cusip>78468R408</cusip>
<value>1640</value>
<shrsOrPrnAmt><sshPrnamt>56745</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>56745</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>SPDR Gold Trust</nameOfIssuer>
<titleOfClass>GOLD SHS</titleOfClass>
<cusip>78463V107</cusip>
<value>8782</value>
<shrsOrPrnAmt><sshPrnamt>77322</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>77322</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable><nameOfIssuer>iShares Gold Trust</nameOfIssuer>
<titleOfClass>ISHARES</titleOfClass>
<cusip>464285105</cusip>
<value>3</value>
<shrsOrPrnAmt><sshPrnamt>300</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<otherManager>NONE</otherManager>
<votingAuthority><Sole>300</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
</informationTable>
