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
3M COMPANY COM 88579y101 945 5,456 SH   SOLE   3,250 0 2,205
A T & T INC COM 00206r102 2,844 84,879 SH   SOLE   68,494 0 16,385
A T & T INC COM 00206r102 1,550 46,281 SH   DFND   46,281 0 0
ADOBE INC COM 00724f101 1,874 6,362 SH   SOLE   4,947 0 1,415
ADVANCED MICRO DEVIC COM 007903107 3,307 108,893 SH   SOLE   89,352 0 19,541
AFLAC INC COM USD0.10 COM 001055102 680 12,420 SH   SOLE   11,054 0 1,366
AFLAC INC COM USD0.10 COM 001055102 1,505 27,463 SH   DFND   27,463 0 0
AKAMAI TECHNOLOGIES COMUSD0.01 COM 00971t101 988 12,335 SH   SOLE   7,607 0 4,728
AKAMAI TECHNOLOGIES COMUSD0.01 COM 00971t101 1,514 18,897 SH   DFND   18,897 0 0
ALASKA AIR GROUP INC COMUSD0.0 COM 011659109 756 11,835 SH   SOLE   9,862 0 1,973
ALASKA AIR GROUP INC COMUSD0.0 COM 011659109 1,565 24,499 SH   DFND   24,499 0 0
ALLSTATE CORP COM 020002101 607 5,978 SH   SOLE   5,978 0 0
ALLSTATE CORP COM 020002101 1,510 14,850 SH   DFND   14,850 0 0
ALPHABET INC CAP STK CLC COM 02079k107 597 553 SH   SOLE   39 0 514
ALPHABET INC. CLASS A COM 02079k305 3,918 3,619 SH   SOLE   1,917 0 1,702
ALTRIA GROUP INC COM 02209s103 737 15,574 SH   SOLE   11,707 0 3,867
ALTRIA GROUP INC COM 02209s103 1,377 29,082 SH   DFND   29,082 0 0
AMAZON.COM INC COM 023135106 4,881 2,578 SH   SOLE   2,107 0 471
AMERICAN WATER WORKS COMPANYIN COM 030420103 488 4,208 SH   SOLE   0 0 4,208
ANADARKO PETROLEUM CORPCOM USD COM 032511107 816 11,570 SH   SOLE   8,270 0 3,300
APPLE INC COM 037833100 7,657 38,690 SH   SOLE   18,024 0 20,665
AUTOZONE INC COM USD0.01 COM 053332102 676 615 SH   SOLE   544 0 71
AUTOZONE INC COM USD0.01 COM 053332102 1,485 1,351 SH   DFND   1,351 0 0
BERKSHIRE HATHAWAY INC-CL B COM 084670702 3,668 17,211 SH   SOLE   6,574 0 10,637
BERKSHIRE HATHAWAY INC-CL B COM 084670702 1,549 7,271 SH   DFND   7,271 0 0
BERKSHIRE HATHAWAY INCDEL CL A COM 084670108 2,228 7 SH   SOLE   0 0 7
BLOCK H & R INC COM 093671105 829 28,326 SH   SOLE   22,008 0 6,318
BLOCK H & R INC COM 093671105 1,601 54,673 SH   DFND   54,673 0 0
BRISTOL-MYERS SQUIBB COCOM USD COM 110122108 613 13,533 SH   SOLE   12,887 0 646
BRISTOL-MYERS SQUIBB COCOM USD COM 110122108 1,451 32,015 SH   DFND   32,015 0 0
CABOT OIL & GAS CORP COM COM 127097103 542 23,638 SH   SOLE   23,638 0 0
CABOT OIL & GAS CORP COM COM 127097103 1,348 58,722 SH   DFND   58,722 0 0
CAMPBELL SOUP CO CAP USD0.0375 COM 134429109 722 18,042 SH   SOLE   13,871 0 4,171
CAMPBELL SOUP CO CAP USD0.0375 COM 134429109 1,380 34,459 SH   DFND   34,459 0 0
CAPRI HOLDINGS LTD COMNPV COM g1890l107 722 20,823 SH   SOLE   17,779 0 3,044
CAPRI HOLDINGS LTD COMNPV COM g1890l107 1,531 44,166 SH   DFND   44,166 0 0
CBOE GLOBAL MARKETS INC COM 12503m108 755 7,287 SH   SOLE   5,422 0 1,865
CBOE GLOBAL MARKETS INC COM 12503m108 1,395 13,469 SH   DFND   13,469 0 0
CENTURYLINK INC COM USD1.00 COM 156700106 708 60,265 SH   SOLE   57,808 0 2,457
CENTURYLINK INC COM USD1.00 COM 156700106 1,688 143,609 SH   DFND   143,609 0 0
CH ROBINSON WORLDWIDEINC COM U COM 12541w209 743 8,820 SH   SOLE   7,463 0 1,357
CH ROBINSON WORLDWIDEINC COM U COM 12541w209 1,563 18,540 SH   DFND   18,540 0 0
CHURCH &DWIGHT COM USD1.00 COM 171340102 762 10,442 SH   SOLE   7,681 0 2,761
CHURCH &DWIGHT COM USD1.00 COM 171340102 1,394 19,082 SH   DFND   19,082 0 0
CISCO SYSTEMS INC COM 17275r102 5,147 94,044 SH   SOLE   38,121 0 55,923
CLOROX CO COM USD1.00 COM 189054109 754 4,929 SH   SOLE   3,777 0 1,152
CLOROX CO COM USD1.00 COM 189054109 1,436 9,383 SH   DFND   9,383 0 0
CME GROUP INC COM COM 12572q105 214 1,104 SH   SOLE   0 0 1,104
COLGATE-PALMOLIVE CO COMUSD1.0 COM 194162103 1,614 22,527 SH   SOLE   15,850 0 6,677
COLGATE-PALMOLIVE CO COMUSD1.0 COM 194162103 1,450 20,241 SH   DFND   20,241 0 0
CONAGRA BRANDS INC COM 205887102 677 25,537 SH   SOLE   20,229 0 5,308
CONAGRA BRANDS INC COM 205887102 1,332 50,254 SH   DFND   50,254 0 0
CONSTELLATION BRANDS INCCOM US COM 21036p108 784 3,982 SH   SOLE   3,202 0 780
CONSTELLATION BRANDS INCCOM US COM 21036p108 1,566 7,955 SH   DFND   7,955 0 0
COOPER COS INC COM USD0.10 COM 216648402 708 2,104 SH   SOLE   1,875 0 229
COOPER COS INC COM USD0.10 COM 216648402 1,569 4,658 SH   DFND   4,658 0 0
COPART INC COM USD0.0001 COM 217204106 601 8,042 SH   SOLE   8,042 0 0
COPART INC COM USD0.0001 COM 217204106 1,493 19,980 SH   DFND   19,980 0 0
CORNING INC COM 219350105 320 9,642 SH   SOLE   0 0 9,642
COSTCO WHOLESALE CORPCOM USD0. COM 22160k105 850 3,220 SH   SOLE   3,093 0 127
DARDEN RESTAURANTS COM 237194105 792 6,508 SH   SOLE   4,939 0 1,569
DARDEN RESTAURANTS COM 237194105 1,493 12,271 SH   DFND   12,271 0 0
DAVITA INC COM COM 23918k108 522 9,288 SH   SOLE   6,905 0 2,383
DOLLAR GEN CORP NEW COM COM 256677105 686 5,081 SH   SOLE   4,527 0 554
DOLLAR GEN CORP NEW COM COM 256677105 1,519 11,245 SH   DFND   11,245 0 0
DOLLAR TREE INC COM COM 256746108 696 6,486 SH   SOLE   5,836 0 650
DOLLAR TREE INC COM COM 256746108 1,557 14,499 SH   DFND   14,499 0 0
DOMINION ENERGY INC COM COM 25746u109 218 2,821 SH   SOLE   866 0 1,955
EMERSON ELECTRIC CO COM 291011104 779 11,685 SH   SOLE   8,793 0 2,892
FACEBOOK INC CLASS A COM 30303m102 1,436 7,443 SH   SOLE   4,382 0 3,061
FISERV INC COM 337738108 673 7,385 SH   SOLE   6,670 0 715
FISERV INC COM 337738108 1,510 16,570 SH   DFND   16,570 0 0
GAP INC COM COM 364760108 672 37,443 SH   SOLE   33,672 0 3,771
GAP INC COM COM 364760108 1,503 83,648 SH   DFND   83,648 0 0
GENERAL MILLS INC COMUSD0.10 COM 370334104 755 14,388 SH   SOLE   12,716 0 1,672
GENERAL MILLS INC COMUSD0.10 COM 370334104 1,520 28,958 SH   DFND   28,958 0 0
GILEAD SCIENCES INC COMUSD0.00 COM 375558103 521 7,726 SH   SOLE   5,851 0 1,875
HARRIS CORPORATION COMUSD1.00 COM 413875105 1,600 8,464 SH   SOLE   6,965 0 1,499
HARTFORD FINANCIAL SERVICESGRP COM 416515104 639 11,469 SH   SOLE   10,895 0 574
HARTFORD FINANCIAL SERVICESGRP COM 416515104 1,508 27,066 SH   DFND   27,066 0 0
HCA HEALTHCARE INC COM COM 40412c101 829 6,140 SH   SOLE   4,742 0 1,398
HCA HEALTHCARE INC COM COM 40412c101 1,592 11,779 SH   DFND   11,779 0 0
HERSHEY COMPANY COM USD1.00 COM 427866108 793 5,923 SH   SOLE   4,348 0 1,575
HERSHEY COMPANY COM USD1.00 COM 427866108 1,447 10,801 SH   DFND   10,801 0 0
HORMEL FOODS CORP COM COM 440452100 751 18,526 SH   SOLE   14,363 0 4,163
HORMEL FOODS CORP COM COM 440452100 1,446 35,681 SH   DFND   35,681 0 0
INCYTE CORP COM 45337c102 1,165 13,716 SH   SOLE   11,287 0 2,429
INTEL CORP COM USD0.001 COM 458140100 985 20,597 SH   SOLE   13,245 0 7,352
INTEL CORP COM USD0.001 COM 458140100 1,571 32,821 SH   DFND   32,821 0 0
INTERCONTINENTAL EXCHANGEINC C COM 45866f104 742 8,635 SH   SOLE   7,036 0 1,599
INTERCONTINENTAL EXCHANGEINC C COM 45866f104 1,502 17,481 SH   DFND   17,481 0 0
JOHNSON &JOHNSON COM USD1.00 COM 478160104 1,203 8,640 SH   SOLE   4,323 0 4,317
JOHNSON &JOHNSON COM USD1.00 COM 478160104 1,495 10,740 SH   DFND   10,740 0 0
KELLOGG COMPANY COM USD0.25 COM 487836108 711 13,283 SH   SOLE   10,726 0 2,557
KELLOGG COMPANY COM USD0.25 COM 487836108 1,427 26,646 SH   DFND   26,646 0 0
KEURIG DR PEPPER INC COM COM 49271v100 393 13,619 SH   SOLE   13,619 0 0
KEYSIGHT TECH INC COM 49338l103 1,973 21,979 SH   SOLE   18,089 0 3,890
KIMBERLY CLARK CORP COMUSD1.25 COM 494368103 728 5,465 SH   SOLE   4,448 0 1,017
KIMBERLY CLARK CORP COMUSD1.25 COM 494368103 1,472 11,049 SH   DFND   11,049 0 0
KROGER CO COM USD1.00 COM 501044101 572 26,389 SH   SOLE   25,235 0 1,154
KROGER CO COM USD1.00 COM 501044101 1,360 62,688 SH   DFND   62,688 0 0
L BRANDS INCCOM COM 501797104 806 30,908 SH   SOLE   26,522 0 4,386
L BRANDS INCCOM COM 501797104 1,719 65,887 SH   DFND   65,887 0 0
LABORATORY CORP AMER HLDGSCOM COM 50540r409 345 2,000 SH   SOLE   0 0 2,000
LAMB WESTON HLDGS INCCOM COM 513272104 674 10,638 SH   SOLE   9,711 0 927
LAMB WESTON HLDGS INCCOM COM 513272104 1,528 24,125 SH   DFND   24,125 0 0
LULULEMON ATHLETICA COM 550021109 1,385 7,690 SH   SOLE   6,317 0 1,373
LYONDELLBASELL INDUSTRIESN V C COM n53745100 616 7,161 SH   SOLE   5,393 0 1,768
MACY S INC COM USD0.01 COM 55616p104 710 33,114 SH   SOLE   29,426 0 3,688
MACY S INC COM USD0.01 COM 55616p104 1,568 73,101 SH   DFND   73,101 0 0
MARSH &MCLENNAN COMPANIESINC C COM 571748102 601 6,026 SH   SOLE   6,026 0 0
MARSH &MCLENNAN COMPANIESINC C COM 571748102 1,493 14,970 SH   DFND   14,970 0 0
MC DONALDS CORP COM 580135101 2,320 11,175 SH   SOLE   8,824 0 2,351
MC DONALDS CORP COM 580135101 1,511 7,281 SH   DFND   7,281 0 0
MCCORMICK &COMPANY INCCOM NPV COM 579780206 801 5,169 SH   SOLE   3,787 0 1,382
MCCORMICK &COMPANY INCCOM NPV COM 579780206 1,458 9,408 SH   DFND   9,408 0 0
MEDTRONIC PLC USD0.0001 COM g5960l103 824 8,461 SH   SOLE   6,280 0 2,181
METLIFE INC COM 59156r108 1,521 30,638 SH   SOLE   25,126 0 5,512
MICROSOFT CORP COM 594918104 3,625 27,062 SH   SOLE   18,214 0 8,848
MOLSON COORS BREWING COMPANYCO COM 60871r209 670 11,978 SH   SOLE   10,440 0 1,538
MOLSON COORS BREWING COMPANYCO COM 60871r209 1,452 25,936 SH   DFND   25,936 0 0
MONDELEZ INTL INC COM COM 609207105 1,084 20,114 SH   SOLE   13,432 0 6,682
MORGAN STANLEY COM 617446448 1,363 31,129 SH   SOLE   25,523 0 5,606
MOTOROLA SOLUTIONS INCCOM NEW COM 620076307 617 3,705 SH   SOLE   3,705 0 0
MOTOROLA SOLUTIONS INCCOM NEW COM 620076307 1,534 9,204 SH   DFND   9,204 0 0
NASDAQ INC COMSTK COM 631103108 739 7,687 SH   SOLE   6,265 0 1,422
NASDAQ INC COMSTK COM 631103108 1,496 15,565 SH   DFND   15,565 0 0
NIKE INC CLASS B COM 654106103 782 9,320 SH   SOLE   7,269 0 2,051
NIKE INC CLASS B COM 654106103 1,515 18,057 SH   DFND   18,057 0 0
NORDSTROM INC COM NPV COM 655664100 693 21,758 SH   SOLE   19,236 0 2,522
NORDSTROM INC COM NPV COM 655664100 1,522 47,786 SH   DFND   47,786 0 0
NORTHROP GRUMMAN CO COM 666807102 689 2,133 SH   SOLE   1,900 0 233
NORTHROP GRUMMAN CO COM 666807102 1,525 4,721 SH   DFND   4,721 0 0
NUTRIEN LTD COM NPV ISIN#CA670 COM 67077m108 868 16,240 SH   SOLE   0 0 16,240
O'REILLY AUTOMOTIVE INC COM 67103H107 580 1,571 SH   SOLE   1,571 0 0
O'REILLY AUTOMOTIVE INC COM 67103H107 1,441 3,903 SH   DFND   3,903 0 0
OMNICOM GROUP INC COMUSD0.15 COM 681919106 777 9,484 SH   SOLE   8,423 0 1,061
OMNICOM GROUP INC COMUSD0.15 COM 681919106 1,541 18,813 SH   DFND   18,813 0 0
ORACLE CORP COM COM 68389x105 1,055 18,535 SH   SOLE   13,193 0 5,342
PEPSICO INC COM 713448108 729 5,565 SH   SOLE   4,495 0 1,070
PEPSICO INC COM 713448108 1,464 11,167 SH   DFND   11,167 0 0
PHILLIPS 66 COM COM 718546104 334 3,576 SH   SOLE   0 0 3,576
PLANET FITNESS INC CLA COM 72703h101 200 2,769 SH   SOLE   1,812 0 957
PROCTER & GAMBLE COM 742718109 3,744 34,154 SH   SOLE   26,765 0 7,389
PROCTER & GAMBLE COM 742718109 1,503 13,709 SH   DFND   13,709 0 0
PROGRESSIVE CO OHIO COM 743315103 2,366 29,602 SH   SOLE   23,499 0 6,103
PROGRESSIVE CO OHIO COM 743315103 1,422 17,797 SH   DFND   17,797 0 0
PUBLIC STORAGE COM USD0.10 COM 74460d109 772 3,243 SH   SOLE   2,439 0 804
PUBLIC STORAGE COM USD0.10 COM 74460d109 1,442 6,058 SH   DFND   6,058 0 0
PULTE GROUP INC COM USD0.01 COM 745867101 662 20,947 SH   SOLE   18,629 0 2,318
PULTE GROUP INC COM USD0.01 COM 745867101 1,463 46,279 SH   DFND   46,279 0 0
QUEST DIAGNOSTIC INC COM 74834l100 2,290 22,496 SH   SOLE   16,896 0 5,600
QUEST DIAGNOSTIC INC COM 74834l100 1,535 15,086 SH   DFND   15,086 0 0
RALPH LAUREN CORP COM 751212101 753 6,635 SH   SOLE   5,500 0 1,135
RALPH LAUREN CORP COM 751212101 1,551 13,663 SH   DFND   13,663 0 0
REPUBLIC SERVICES COM 760759100 795 9,186 SH   SOLE   6,912 0 2,274
REPUBLIC SERVICES COM 760759100 1,487 17,172 SH   DFND   17,172 0 0
SALESFORCE COM COM 79466l302 1,282 8,455 SH   SOLE   6,622 0 1,833
SPLUNK INC COM 848637104 1,487 11,829 SH   SOLE   10,067 0 1,762
SQUARE INC CLASS A COM 852234103 1,354 18,678 SH   SOLE   14,969 0 3,709
STARBUCKS CORP COM USD0.001 COM 855244109 773 9,222 SH   SOLE   7,259 0 1,963
STARBUCKS CORP COM USD0.001 COM 855244109 1,511 18,033 SH   DFND   18,033 0 0
SYNCHRONY FINL COM 87165b103 1,513 43,660 SH   SOLE   35,929 0 7,731
SYSCO CORP COM 871829107 780 11,038 SH   SOLE   8,472 0 2,566
SYSCO CORP COM 871829107 1,488 21,048 SH   DFND   21,048 0 0
TAKE-TWO INTERACTIVE SOFTWAREC COM 874054109 612 5,397 SH   SOLE   5,397 0 0
TAKE-TWO INTERACTIVE SOFTWAREC COM 874054109 1,522 13,408 SH   DFND   13,408 0 0
TAPESTRY INC COM COM 876030107 763 24,075 SH   SOLE   20,061 0 4,014
TAPESTRY INC COM COM 876030107 1,581 49,836 SH   DFND   49,836 0 0
TARGET CORP COM 87612e106 1,425 16,455 SH   SOLE   12,204 0 4,251
THE COCA-COLA CO COM 191216100 1,421 27,916 SH   SOLE   22,028 0 5,888
TJX COS INC NEW COM COM 872540109 710 13,437 SH   SOLE   11,607 0 1,830
TJX COS INC NEW COM COM 872540109 1,524 28,836 SH   DFND   28,836 0 0
TOTAL SYS SVCS INC COM 891906109 604 4,713 SH   SOLE   4,713 0 0
TOTAL SYS SVCS INC COM 891906109 1,501 11,707 SH   DFND   11,707 0 0
TWILIO INC CLASS A COM 90138f102 2,588 18,987 SH   SOLE   15,582 0 3,405
TYSON FOODS INC CL A COM 902494103 789 9,774 SH   SOLE   7,291 0 2,483
TYSON FOODS INC CL A COM 902494103 1,462 18,112 SH   DFND   18,112 0 0
UNITEDHEALTH GROUP COM 91324p102 661 2,713 SH   SOLE   2,466 0 247
UNITEDHEALTH GROUP COM 91324p102 1,494 6,125 SH   DFND   6,125 0 0
VERISK ANALYTICS INC COM COM 92345y106 784 5,358 SH   SOLE   4,113 0 1,245
VERISK ANALYTICS INC COM COM 92345y106 1,496 10,218 SH   DFND   10,218 0 0
VERIZON COMMUNICATIONS COM 92343v104 867 15,188 SH   SOLE   11,406 0 3,782
VMWARE INC CLASS A COM 928563402 1,610 9,630 SH   SOLE   7,924 0 1,706
WALGREENS BOOTS ALLIANCEINC CO COM 931427108 642 11,748 SH   SOLE   11,748 0 0
WALGREENS BOOTS ALLIANCEINC CO COM 931427108 1,595 29,184 SH   DFND   29,184 0 0
WALMART INC COM 931142103 2,672 24,190 SH   SOLE   16,632 0 7,558
WALMART INC COM 931142103 1,569 14,204 SH   DFND   14,204 0 0
WALT DISNEY CO COM 254687106 4,192 30,021 SH   SOLE   20,838 0 9,183
WASTE MANAGEMENT INC COM 94106l109 755 6,549 SH   SOLE   5,240 0 1,309
WASTE MANAGEMENT INC COM 94106l109 1,501 13,017 SH   DFND   13,017 0 0
WELLCARE HEALTH PLAN COM 94946t106 1,428 5,011 SH   SOLE   4,124 0 887
WELLS FARGO CO NEW COM COM 949746101 584 12,356 SH   SOLE   9,288 0 3,068
WILLIS TOWERS WATSON PLC COM g96629103 648 3,388 SH   SOLE   3,226 0 162
WILLIS TOWERS WATSON PLC COM g96629103 1,535 8,016 SH   DFND   8,016 0 0
YUM BRANDS INC COM 988498101 715 6,467 SH   SOLE   5,511 0 956
YUM BRANDS INC COM 988498101 1,515 13,691 SH   DFND   13,691 0 0
ICICI BANK LTD F SPONSORED ADR ADR 45104g104 1,213 96,354 SH   SOLE   79,289 0 17,065
SPDR S&P500 ETF TRUSTS&P 500 E ETF 78462f103 1,778 6,070 SH   SOLE   2,896 0 3,174