The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AT&T INC COM 00206R102 7,715 224,200 SH   SOLE   224,200 0 0
ALEXION PHARM.INC COM 015351109 252 1,320 SH   SOLE   1,320 0 0
ALIBABA GROUP HOLDING-SP ADR SPONSORED ADS 01609W102 3,035 37,350 SH   SOLE   37,350 0 0
ALLSTATE CORP COM 020002101 1,061 17,088 SH   DFND   17,088 0 0
ALLY FINANCIAL INC COM 02005N100 239 12,800 SH   SOLE   12,800 0 0
ALPHABET INC-CL C CAP STK CLC 02079K107 2,512 3,310 SH   DFND   3,310 0 0
ALPHABET INC-CL A CAP STK CLA 02079K305 2,491 3,202 SH   DFND   3,202 0 0
ALTRIA GROUP INC COM 02209S103 10,475 179,946 SH   DFND   179,946 0 0
AMERICAN WATER WORKS CO INC COM 030420103 8,507 142,375 SH   DFND   142,375 0 0
AMGEN INC COM 031162100 2,039 12,562 SH   DFND   12,562 0 0
ANALOG DEVICES COM 032654105 8,732 157,854 SH   DFND   157,854 0 0
ANTHEM INC COM 036752103 2,623 18,810 SH   DFND   18,810 0 0
APPLE INC COM 037833100 11,637 110,559 SH   DFND   110,559 0 0
ASSURANT INC COM 04621X108 238 2,950 SH   SOLE   2,950 0 0
AUTOZONE INC COM 053332102 1,482 1,998 SH   DFND   1,998 0 0
BAIDU INC - SPON ADR SPON ADR REP A 056752108 624 3,300 SH   SOLE   3,300 0 0
BANK OF NOVA SCOTIA COM 064149107 6,629 163,920 SH   SOLE   163,920 0 0
BIOGEN INC COM 09062X103 1,781 5,812 SH   DFND   5,812 0 0
BOEING CO/THE COM 097023105 453 3,131 SH   DFND   3,131 0 0
BOISE CASCADE CO COM 09739D100 230 9,020 SH   SOLE   9,020 0 0
BOSTON PROPERTIES INC COM 101121101 699 5,480 SH   SOLE   5,480 0 0
BRISTOL MYERS-SQUIBB COM 110122108 12,417 180,507 SH   DFND   180,507 0 0
BROWN-FORMAN CORP-CLASS B CL B 115637209 8,312 83,723 SH   DFND   83,723 0 0
BURLINGTON STORES INC COM 122017106 233 5,420 SH   SOLE   5,420 0 0
CF INDUSTRIES HOLDINGS INC COM 125269100 241 5,900 SH   SOLE   5,900 0 0
C.H. ROBINSON WORLDWIDE INC COM NEW 12541W209 1,267 20,425 SH   DFND   20,425 0 0
CVS HEALTH CORP COM 126650100 1,636 16,729 SH   DFND   16,729 0 0
CARDINAL HEALTH INC COM 14149Y108 10,435 116,889 SH   DFND   116,889 0 0
CARNIVAL CORP PAIRED CTF 143658300 10,071 184,858 SH   DFND   184,858 0 0
CELGENE CORP COM 151020104 3,014 25,169 SH   DFND   25,169 0 0
CHEVRON CORP COM 166764100 9,687 107,678 SH   DFND   107,678 0 0
CHUNGHWA TELECOM LT-SPON ADR SPON ADR NEW 17133Q502 30 1,000 SH   SOLE   1,000 0 0
CISCO SYSTEMS COM 17275R102 1,051 38,691 SH   DFND   38,691 0 0
CITIGROUP INC COM NEW 172967424 2,130 41,168 SH   DFND   41,168 0 0
COCA-COLA ENTERPRISES COM 19122T109 245 4,970 SH   SOLE   4,970 0 0
COMCAST CORP-CL A CL A 20030N101 826 14,637 SH   DFND   14,637 0 0
CONOCOPHILLIPS COM 20825C104 845 18,090 SH   SOLE   18,090 0 0
CONSOLIDATED EDISON INC COM 209115104 8,592 133,691 SH   DFND   133,691 0 0
THE WALT DISNEY CO. COM DISNEY 254687106 233 2,220 SH   SOLE   2,220 0 0
DOW CHEMICAL COM 260543103 7,840 152,300 SH   SOLE   152,300 0 0
ECOLAB INC COM 278865100 1,351 11,814 SH   DFND   11,814 0 0
EDISON INTERNATIONAL COM 281020107 949 16,028 SH   DFND   16,028 0 0
ELECTRONIC ARTS INC COM 285512109 1,230 17,896 SH   DFND   17,896 0 0
ENGILITY HOLDINGS INC COM 29286C107 1 19 SH   SOLE   19 0 0
EQUITY RESIDENTIAL SH BEN INT 29476L107 840 10,290 SH   SOLE   10,290 0 0
EXPEDITORS INTL WASH INC COM 302130109 1,448 32,117 SH   DFND   32,117 0 0
EXXON MOBIL CORPORATION COM 30231G102 2,683 34,423 SH   DFND   34,423 0 0
FACEBOOK INC-A CL A 30303M102 2,983 28,503 SH   DFND   28,503 0 0
FISERV INC COM 337738108 1,091 11,934 SH   DFND   11,934 0 0
GILEAD SCIENCES INC COM 375558103 2,661 26,293 SH   DFND   26,293 0 0
GILDAN ACTIVEWEAR INC COM 375916103 808 28,420 SH   SOLE   28,420 0 0
GOODYEAR TIRE & RUBBER CO COM 382550101 963 29,491 SH   DFND   29,491 0 0
HDFC BANK LTD-ADR ADR REPS 3 SHS 40415F101 136 2,200 SH   SOLE   2,200 0 0
HAIN CELESTIAL GROUP INC COM 405217100 260 6,430 SH   SOLE   6,430 0 0
HANESBRANDS INC COM 410345102 1,099 37,341 SH   DFND   37,341 0 0
HASBRO INC COM 418056107 1,489 22,102 SH   DFND   22,102 0 0
HOLLYFRONTIER CORP COM 436106108 970 24,319 SH   DFND   24,319 0 0
HOME DEPOT INC COM 437076102 11,001 83,182 SH   DFND   83,182 0 0
HORMEL FOODS CORP COM 440452100 1,838 23,242 SH   DFND   23,242 0 0
ICICI BANK LTD-SPON ADR ADR 45104G104 46 5,900 SH   SOLE   5,900 0 0
IKANG HEALTHCARE GROUP-ADR SPONSORED ADR 45174L108 88 4,300 SH   SOLE   4,300 0 0
INFOSYS LTD-SP ADR SPONSORED ADR 456788108 40 2,400 SH   SOLE   2,400 0 0
INTL BUSINESS MACHINES CORP COM 459200101 947 6,883 SH   DFND   6,883 0 0
INTERNATIONAL PAPER CO COM 460146103 639 16,940 SH   SOLE   16,940 0 0
INTUIT INC COM 461202103 1,305 13,526 SH   DFND   13,526 0 0
ISHARES MSCI EMERGING MARKET MSCI EMG MKT ETF 464287234 27,735 861,613 SH   SOLE   861,613 0 0
JPMORGAN CHASE & CO COM 46625H100 12,145 183,929 SH   DFND   183,929 0 0
JD.COM INC-ADR SPON ADR CL A 47215P106 58 1,800 SH   SOLE   1,800 0 0
KINDER MORGAN INC COM 49456B101 1,120 75,045 SH   DFND   75,045 0 0
KROGER CO COM 501044101 1,821 43,527 SH   DFND   43,527 0 0
LAM RESEARCH CORP COM 512807108 245 3,090 SH   SOLE   3,090 0 0
ELI LILLY & CO COM 532457108 244 2,900 SH   SOLE   2,900 0 0
LOCKHEED MARTIN CORP COM 539830109 7,830 36,060 SH   SOLE   36,060 0 0
MARSH & MCLENNAN COS COM 571748102 2,059 37,132 SH   DFND   37,132 0 0
MARRIOTT INTERNATIONAL-CL A CL A 571903202 1,367 20,384 SH   DFND   20,384 0 0
MCDONALDS CORP COM 580135101 9,415 79,695 SH   DFND   79,695 0 0
MCKESSON CORPORATION COM 58155Q103 1,161 5,889 SH   DFND   5,889 0 0
MERCK & CO INC COM 58933Y105 9,213 174,425 SH   DFND   174,425 0 0
MICROSOFT CORP COM 594918104 10,398 187,423 SH   DFND   187,423 0 0
MOHAWK INDUSTRIES INC COM 608190104 1,914 10,104 SH   DFND   10,104 0 0
NASDAQ INC COM 631103108 1,659 28,515 SH   DFND   28,515 0 0
NEWELL RUBBERMAID INC COM 651229106 8,291 188,090 SH   SOLE   188,090 0 0
NEXTERA ENERGY INC COM 65339F101 9,137 87,953 SH   DFND   87,953 0 0
NIKE INC CL B 654106103 1,075 17,200 SH   SOLE   17,200 0 0
NORTHERN TRUST CORP COM 665859104 1,889 26,197 SH   DFND   26,197 0 0
NORTHROP GRUMMAN CORP COM 666807102 8,479 44,910 SH   SOLE   44,910 0 0
O'REILLY AUTOMOTIVE INC COM 67103H107 1,382 5,453 SH   DFND   5,453 0 0
OCH-ZIFF CAPITAL MANAGEMEN-A CL A 67551U105 234 37,640 SH   SOLE   37,640 0 0
ORACLE CORP COM 68389X105 234 6,400 SH   SOLE   6,400 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105 1,216 12,761 SH   DFND   12,761 0 0
PPG INDUSTRIES INC COM 693506107 1,132 11,455 SH   DFND   11,455 0 0
PAYPAL HOLDINGS INC COM 70450Y103 1,151 31,799 SH   DFND   31,799 0 0
PEPSICO INC COM 713448108 1,120 11,206 SH   DFND   11,206 0 0
PFIZER INC COM 717081103 1,255 38,889 SH   DFND   38,889 0 0
PHILIP MORRIS INTERNATIONAL COM 718172109 8,415 95,720 SH   SOLE   95,720 0 0
PRICELINE GROUP INC/THE COM NEW 741503403 1,503 1,179 SH   DFND   1,179 0 0
QUALCOMM INC COM 747525103 251 5,020 SH   SOLE   5,020 0 0
REYNOLDS AMERICAN INC COM 761713106 9,813 212,634 SH   DFND   212,634 0 0
ROPER TECHNOLOGIES INC COM 776696106 1,031 5,433 SH   DFND   5,433 0 0
ROSS STORES INC COM 778296103 1,315 24,433 SH   DFND   24,433 0 0
SPDR S&P 500 ETF TRUST TR UNIT 78462F103 14,536 71,299 SH   SOLE   71,299 0 0
SVB FINANCIAL GROUP COM 78486Q101 237 1,990 SH   SOLE   1,990 0 0
SCHLUMBERGER LTD COM 806857108 8,527 122,254 SH   DFND   122,254 0 0
SHERWIN-WILLIAMS CO/THE COM 824348106 1,247 4,804 SH   DFND   4,804 0 0
SILICON MOTION TECHNOL-ADR SPONSORED ADR 82706C108 22 700 SH   SOLE   700 0 0
SILICONWARE PRECISION-SP ADR SPONSORED ADR SPL 827084864 28 3,638 SH   SOLE   3,638 0 0
SIMON PROPERTY GROUP INC COM 828806109 261 1,340 SH   SOLE   1,340 0 0
SOUTHERN CO COM 842587107 1,011 21,613 SH   DFND   21,613 0 0
SOUTHWEST AIRLINES CO COM 844741108 2,319 53,860 SH   DFND   53,860 0 0
STARBUCKS CORP COM 855244109 11,212 186,779 SH   DFND   186,779 0 0
TJX COMPANIES INC COM 872540109 1,603 22,610 SH   DFND   22,610 0 0
T-MOBILE US INC COM 872590104 1,349 34,489 SH   DFND   34,489 0 0
TAIWAN SEMICONDUCTOR-SP SPONSORED ADR 874039100 43 1,900 SH   SOLE   1,900 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 260 1,830 SH   SOLE   1,830 0 0
3M CO COM 88579Y101 241 1,600 SH   SOLE   1,600 0 0
TORONTO-DOMINION BANK COM NEW 891160509 7,242 184,880 SH   SOLE   184,880 0 0
TRANSCANADA CORP COM 89353D107 594 18,240 SH   SOLE   18,240 0 0
21VIANET GROUP INC-ADR SPONSORED ADR 90138A103 30 1,400 SH   SOLE   1,400 0 0
VALERO ENERGY CORP COM 91913Y100 1,431 20,234 SH   DFND   20,234 0 0
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 1,574 8,420 SH   SOLE   8,420 0 0
VERIZON COMMUNICATIO COM 92343V104 10,115 218,854 SH   DFND   218,854 0 0
VISA INC-CLASS A SHRS COM CL A 92826C839 1,651 21,286 SH   DFND   21,286 0 0
WAL-MART STORES INC COM 931142103 595 9,700 SH   SOLE   9,700 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 1,385 16,269 SH   DFND   16,269 0 0
WELLS FARGO & COMPANY COM 949746101 11,598 213,358 SH   DFND   213,358 0 0
WESTERN UNION CO COM 959802109 8,638 482,322 SH   DFND   482,322 0 0
ALLERGAN PLC SHS G0177J108 1,264 4,046 SH   DFND   4,046 0 0
ACCENTURE PLC-CL A SHS CLASS A G1151C101 1,632 15,615 SH   DFND   15,615 0 0
XL GROUP PLC SHS G98290102 1,115 28,464 SH   DFND   28,464 0 0