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
AON PLC SHS CL A G0408V102 274 1,662 SH   SOLE   1,662 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 875 5,360 SH   SOLE   4,860 0 500
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 90 550 SH   OTR   550 0 0
LINDE PLC SHS G5494J103 333 1,922 SH   SOLE   1,922 0 0
MEDTRONIC PLC SHS G5960L103 1,111 12,316 SH   SOLE   12,316 0 0
MEDTRONIC PLC SHS G5960L103 15 170 SH   OTR   170 0 0
SPOTIFY TECHNOLOGY S A SHS L8681T102 202 1,667 SH   SOLE   1,667 0 0
SPOTIFY TECHNOLOGY S A SHS L8681T102 16 130 SH   OTR   130 0 0
AFLAC INC COM 001055102 361 10,554 SH   SOLE   10,554 0 0
AFLAC INC COM 001055102 24 690 SH   OTR   690 0 0
AT&T INC COM 00206R102 1,831 62,827 SH   SOLE   61,340 0 1,487
AT&T INC COM 00206R102 107 3,685 SH   OTR   3,685 0 0
ABBOTT LABS COM 002824100 1,165 14,769 SH   SOLE   14,729 0 40
ABBOTT LABS COM 002824100 49 625 SH   OTR   625 0 0
ABBVIE INC COM 00287Y109 973 12,765 SH   SOLE   12,725 0 40
ABBVIE INC COM 00287Y109 38 495 SH   OTR   495 0 0
ADOBE INC COM 00724F101 1,121 3,524 SH   SOLE   3,524 0 0
ADOBE INC COM 00724F101 16 50 SH   OTR   50 0 0
AGILENT TECHNOLOGIES INC COM 00846U101 600 8,373 SH   SOLE   8,373 0 0
AKAMAI TECHNOLOGIES INC COM 00971T101 455 4,970 SH   SOLE   4,970 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 300 1,545 SH   SOLE   1,545 0 0
ALLIANT ENERGY CORP COM 018802108 270 5,587 SH   SOLE   5,587 0 0
ALLIANT ENERGY CORP COM 018802108 14 300 SH   OTR   300 0 0
ALLSTATE CORP COM 020002101 857 9,347 SH   SOLE   9,347 0 0
ALPHABET INC CAP STK CL C 02079K107 273 235 SH   SOLE   235 0 0
ALPHABET INC CAP STK CL A 02079K305 1,450 1,248 SH   SOLE   1,248 0 0
ALPHABET INC CAP STK CL A 02079K305 64 55 SH   OTR   55 0 0
AMAZON COM INC COM 023135106 944 484 SH   SOLE   484 0 0
AMAZON COM INC COM 023135106 39 20 SH   OTR   20 0 0
AMERICAN EXPRESS CO COM 025816109 517 6,040 SH   SOLE   6,040 0 0
AMERIPRISE FINL INC COM 03076C106 204 1,989 SH   SOLE   1,989 0 0
AMERIPRISE FINL INC COM 03076C106 13 130 SH   OTR   130 0 0
AMGEN INC COM 031162100 1,351 6,664 SH   SOLE   6,364 0 300
AMGEN INC COM 031162100 86 425 SH   OTR   425 0 0
ANSYS INC COM 03662Q105 815 3,507 SH   SOLE   3,507 0 0
ANTHEM INC COM 036752103 251 1,105 SH   SOLE   1,105 0 0
APPLE INC COM 037833100 3,519 13,839 SH   SOLE   13,839 0 0
APPLE INC COM 037833100 88 345 SH   OTR   345 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108 263 5,887 SH   SOLE   5,887 0 0
AUTOZONE INC COM 053332102 294 347 SH   SOLE   347 0 0
AUTOZONE INC COM 053332102 13 15 SH   OTR   15 0 0
BCE INC COM NEW 05534B760 853 20,871 SH   SOLE   20,871 0 0
BCE INC COM NEW 05534B760 12 285 SH   OTR   285 0 0
BK OF AMERICA CORP COM 060505104 196 9,251 SH   SOLE   8,851 0 400
BK OF AMERICA CORP COM 060505104 27 1,275 SH   OTR   1,275 0 0
BECTON DICKINSON & CO COM 075887109 287 1,250 SH   SOLE   1,250 0 0
BECTON DICKINSON & CO COM 075887109 11 50 SH   OTR   50 0 0
BERKLEY W R CORP COM 084423102 976 18,716 SH   SOLE   18,716 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 272 1 SH   OTR   1 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 230 1,256 SH   SOLE   1,256 0 0
BLACKROCK INC COM 09247X101 996 2,263 SH   SOLE   2,263 0 0
BLACKROCK INC COM 09247X101 59 135 SH   OTR   135 0 0
BLACKSTONE GROUP INC COM CL A 09260D107 357 7,829 SH   SOLE   7,829 0 0
BOEING CO COM 097023105 293 1,967 SH   SOLE   1,967 0 0
BOEING CO COM 097023105 10 65 SH   OTR   65 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 1,607 28,838 SH   SOLE   28,038 0 800
BRISTOL-MYERS SQUIBB CO COM 110122108 153 2,750 SH   OTR   2,750 0 0
BURLINGTON STORES INC COM 122017106 449 2,836 SH   SOLE   2,836 0 0
CDW CORP COM 12514G108 238 2,553 SH   SOLE   2,553 0 0
CME GROUP INC COM 12572Q105 352 2,035 SH   SOLE   2,035 0 0
CME GROUP INC COM 12572Q105 56 325 SH   OTR   325 0 0
CVS HEALTH CORP COM 126650100 295 4,972 SH   SOLE   4,972 0 0
CVS HEALTH CORP COM 126650100 15 250 SH   OTR   250 0 0
CABLE ONE INC COM 12685J105 362 220 SH   SOLE   220 0 0
CERNER CORP COM 156782104 271 4,310 SH   SOLE   4,310 0 0
CHEVRON CORP NEW COM 166764100 1,513 20,876 SH   SOLE   20,533 0 343
CHEVRON CORP NEW COM 166764100 51 705 SH   OTR   705 0 0
CHURCH & DWIGHT INC COM 171340102 249 3,877 SH   SOLE   3,877 0 0
CHURCH & DWIGHT INC COM 171340102 6 95 SH   OTR   95 0 0
CISCO SYS INC COM 17275R102 493 12,553 SH   SOLE   10,703 0 1,850
CISCO SYS INC COM 17275R102 79 2,005 SH   OTR   2,005 0 0
CINTAS CORP COM 172908105 302 1,745 SH   SOLE   1,745 0 0
COCA COLA CO COM 191216100 1,195 27,011 SH   SOLE   26,841 0 170
COCA COLA CO COM 191216100 55 1,252 SH   OTR   1,252 0 0
COLGATE PALMOLIVE CO COM 194162103 483 7,276 SH   SOLE   7,276 0 0
COLGATE PALMOLIVE CO COM 194162103 30 450 SH   OTR   450 0 0
COMCAST CORP NEW CL A 20030N101 1,116 32,473 SH   SOLE   32,473 0 0
COMCAST CORP NEW CL A 20030N101 39 1,145 SH   OTR   1,145 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 884 6,125 SH   SOLE   6,125 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 27 187 SH   OTR   187 0 0
DANAHER CORPORATION COM 235851102 371 2,678 SH   SOLE   2,678 0 0
DISNEY WALT CO COM DISNEY 254687106 345 3,572 SH   SOLE   3,560 0 12
DISNEY WALT CO COM DISNEY 254687106 29 300 SH   OTR   300 0 0
DOMINION ENERGY INC COM 25746U109 1,068 14,796 SH   SOLE   13,071 0 1,725
DOMINION ENERGY INC COM 25746U109 186 2,583 SH   OTR   2,583 0 0
DOVER CORP COM 260003108 872 10,388 SH   SOLE   10,388 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 303 3,746 SH   SOLE   2,896 0 850
DUKE REALTY CORP COM NEW 264411505 259 8,006 SH   SOLE   8,006 0 0
ECOLAB INC COM 278865100 854 5,482 SH   SOLE   5,482 0 0
ECOLAB INC COM 278865100 22 143 SH   OTR   143 0 0
ELECTRONIC ARTS INC COM 285512109 927 9,254 SH   SOLE   9,254 0 0
EXELON CORP COM 30161N101 205 5,579 SH   SOLE   5,579 0 0
EXELON CORP COM 30161N101 13 340 SH   OTR   340 0 0
EXXON MOBIL CORP COM 30231G102 543 14,294 SH   SOLE   14,094 0 200
EXXON MOBIL CORP COM 30231G102 108 2,845 SH   OTR   2,845 0 0
FAIR ISAAC CORP COM 303250104 326 1,059 SH   SOLE   1,059 0 0
FISERV INC COM 337738108 1,069 11,256 SH   SOLE   11,256 0 0
FISERV INC COM 337738108 28 300 SH   OTR   300 0 0
FLEETCOR TECHNOLOGIES INC COM 339041105 340 1,825 SH   SOLE   1,825 0 0
GALLAGHER ARTHUR J & CO COM 363576109 827 10,144 SH   SOLE   10,144 0 0
GALLAGHER ARTHUR J & CO COM 363576109 7 90 SH   OTR   90 0 0
GENERAL DYNAMICS CORP COM 369550108 610 4,613 SH   SOLE   4,213 0 400
GENERAL DYNAMICS CORP COM 369550108 190 1,435 SH   OTR   1,435 0 0
GENTEX CORP COM 371901109 1,034 46,681 SH   SOLE   46,681 0 0
GENTEX CORP COM 371901109 29 1,287 SH   OTR   1,287 0 0
GILEAD SCIENCES INC COM 375558103 374 5,002 SH   SOLE   5,002 0 0
GLOBAL PMTS INC COM 37940X102 956 6,627 SH   SOLE   6,627 0 0
HERSHEY CO COM 427866108 300 2,262 SH   SOLE   2,262 0 0
HERSHEY CO COM 427866108 27 200 SH   OTR   200 0 0
HOME DEPOT INC COM 437076102 1,147 6,142 SH   SOLE   5,642 0 500
HOME DEPOT INC COM 437076102 209 1,119 SH   OTR   1,119 0 0
HONEYWELL INTL INC COM 438516106 234 1,749 SH   SOLE   1,749 0 0
HONEYWELL INTL INC COM 438516106 20 150 SH   OTR   150 0 0
ILLINOIS TOOL WKS INC COM 452308109 781 5,496 SH   SOLE   4,781 0 715
ILLINOIS TOOL WKS INC COM 452308109 102 715 SH   OTR   715 0 0
INTEL CORP COM 458140100 1,253 23,154 SH   SOLE   23,034 0 120
INTEL CORP COM 458140100 61 1,125 SH   OTR   1,125 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 804 9,962 SH   SOLE   9,962 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 345 3,107 SH   SOLE   3,087 0 20
INTERNATIONAL BUSINESS MACHS COM 459200101 37 335 SH   OTR   335 0 0
INTUIT COM 461202103 468 2,035 SH   SOLE   2,035 0 0
ISHARES TR CORE US AGGBD ET 464287226 15,583 135,068 SH   SOLE   134,808 0 260
ISHARES TR CORE US AGGBD ET 464287226 488 4,226 SH   OTR   4,226 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 771 22,584 SH   SOLE   22,584 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 9 260 SH   OTR   260 0 0
ISHARES TR IBOXX INV CP ETF 464287242 15,001 121,454 SH   SOLE   121,249 0 205
ISHARES TR IBOXX INV CP ETF 464287242 471 3,810 SH   OTR   3,810 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 267 1,620 SH   SOLE   1,620 0 0
ISHARES TR S&P 500 VAL ETF 464287408 227 2,355 SH   SOLE   2,355 0 0
ISHARES TR MSCI EAFE ETF 464287465 4,857 90,852 SH   SOLE   90,742 0 110
ISHARES TR MSCI EAFE ETF 464287465 115 2,151 SH   OTR   2,151 0 0
ISHARES TR RUS MID CAP ETF 464287499 2,784 64,500 SH   SOLE   64,452 0 48
ISHARES TR RUS MID CAP ETF 464287499 126 2,928 SH   OTR   2,928 0 0
ISHARES TR U.S. CNSM SV ETF 464287580 206 1,160 SH   SOLE   1,160 0 0
ISHARES TR U.S. CNSM SV ETF 464287580 89 500 SH   OTR   500 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 584 5,884 SH   SOLE   5,884 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 310 2,060 SH   SOLE   2,060 0 0
ISHARES TR RUS 1000 ETF 464287622 251 1,775 SH   SOLE   1,690 0 85
ISHARES TR RUS 1000 ETF 464287622 92 652 SH   OTR   652 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 2,264 19,776 SH   SOLE   19,756 0 20
ISHARES TR RUSSELL 2000 ETF 464287655 124 1,083 SH   OTR   1,083 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 4,011 27,039 SH   SOLE   27,039 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 573 3,865 SH   OTR   3,865 0 0
ISHARES TR U.S. TECH ETF 464287721 141 688 SH   SOLE   688 0 0
ISHARES TR U.S. TECH ETF 464287721 61 300 SH   OTR   300 0 0
ISHARES TR US INDUSTRIALS 464287754 250 2,010 SH   SOLE   2,010 0 0
ISHARES TR US INDUSTRIALS 464287754 31 250 SH   OTR   250 0 0
ISHARES TR U.S. FINLS ETF 464287788 941 9,673 SH   SOLE   9,673 0 0
ISHARES TR U.S. FINLS ETF 464287788 71 725 SH   OTR   725 0 0
ISHARES TR CORE S&P SCP ETF 464287804 256 4,566 SH   SOLE   4,566 0 0
ISHARES TR NATIONAL MUN ETF 464288414 527 4,660 SH   SOLE   4,660 0 0
ISHARES TR IBOXX HI YD ETF 464288513 5,479 71,094 SH   SOLE   71,094 0 0
ISHARES TR IBOXX HI YD ETF 464288513 241 3,128 SH   OTR   3,128 0 0
ISHARES TR MBS ETF 464288588 622 5,633 SH   SOLE   5,633 0 0
ISHARES TR MBS ETF 464288588 4 35 SH   OTR   35 0 0
ISHARES TR INTRM TR CRP ETF 464288638 288 5,243 SH   SOLE   5,243 0 0
ISHARES TR INTRM TR CRP ETF 464288638 36 650 SH   OTR   650 0 0
ISHARES TR SH TR CRPORT ETF 464288646 469 8,966 SH   SOLE   8,966 0 0
ISHARES TR SH TR CRPORT ETF 464288646 1 22 SH   OTR   22 0 0
JPMORGAN CHASE & CO COM 46625H100 2,560 28,440 SH   SOLE   28,418 0 22
JPMORGAN CHASE & CO COM 46625H100 122 1,358 SH   OTR   1,358 0 0
JOHNSON & JOHNSON COM 478160104 1,723 13,142 SH   SOLE   13,142 0 0
JOHNSON & JOHNSON COM 478160104 62 473 SH   OTR   473 0 0
KIMBERLY CLARK CORP COM 494368103 70 550 SH   SOLE   550 0 0
KIMBERLY CLARK CORP COM 494368103 179 1,400 SH   OTR   1,400 0 0
KINDER MORGAN INC DEL COM 49456B101 756 54,300 SH   SOLE   54,300 0 0
KINDER MORGAN INC DEL COM 49456B101 16 1,118 SH   OTR   1,118 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 1,594 8,852 SH   SOLE   8,852 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 121 670 SH   OTR   670 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 220 1,743 SH   SOLE   1,743 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 13 100 SH   OTR   100 0 0
LEIDOS HOLDINGS INC COM 525327102 622 6,788 SH   SOLE   6,788 0 0
LILLY ELI & CO COM 532457108 1,059 7,637 SH   SOLE   7,637 0 0
LILLY ELI & CO COM 532457108 45 325 SH   OTR   325 0 0
LOCKHEED MARTIN CORP COM 539830109 982 2,897 SH   SOLE   2,897 0 0
LOWES COS INC COM 548661107 373 4,339 SH   SOLE   4,339 0 0
LOWES COS INC COM 548661107 9 100 SH   OTR   100 0 0
MSCI INC COM 55354G100 194 670 SH   SOLE   670 0 0
MSCI INC COM 55354G100 22 75 SH   OTR   75 0 0
MARKETAXESS HLDGS INC COM 57060D108 276 829 SH   SOLE   829 0 0
MARKETAXESS HLDGS INC COM 57060D108 24 72 SH   OTR   72 0 0
MCDONALDS CORP COM 580135101 1,415 8,558 SH   SOLE   8,558 0 0
MCDONALDS CORP COM 580135101 41 250 SH   OTR   250 0 0
MERCK & CO. INC COM 58933Y105 1,890 24,562 SH   SOLE   24,562 0 0
MERCK & CO. INC COM 58933Y105 31 400 SH   OTR   400 0 0
MICROSOFT CORP COM 594918104 5,466 34,659 SH   SOLE   34,119 0 540
MICROSOFT CORP COM 594918104 477 3,025 SH   OTR   3,025 0 0
MONDELEZ INTL INC CL A 609207105 1,188 23,714 SH   SOLE   23,714 0 0
NEXTERA ENERGY INC COM 65339F101 1,554 6,460 SH   SOLE   6,310 0 150
NEXTERA ENERGY INC COM 65339F101 286 1,190 SH   OTR   1,190 0 0
NORFOLK SOUTHERN CORP COM 655844108 590 4,044 SH   SOLE   3,094 0 950
NORFOLK SOUTHERN CORP COM 655844108 12 80 SH   OTR   80 0 0
ORACLE CORP COM 68389X105 1,125 23,275 SH   SOLE   22,275 0 1,000
ORACLE CORP COM 68389X105 138 2,850 SH   OTR   2,850 0 0
PNC FINL SVCS GROUP INC COM 693475105 284 2,962 SH   SOLE   2,960 0 2
PEPSICO INC COM 713448108 931 7,754 SH   SOLE   7,744 0 10
PEPSICO INC COM 713448108 277 2,310 SH   OTR   2,310 0 0
PFIZER INC COM 717081103 498 15,242 SH   SOLE   15,042 0 200
PFIZER INC COM 717081103 69 2,122 SH   OTR   2,122 0 0
PHILIP MORRIS INTL INC COM 718172109 443 6,072 SH   SOLE   6,072 0 0
PROCTER & GAMBLE CO COM 742718109 1,579 14,352 SH   SOLE   14,044 0 308
PROCTER & GAMBLE CO COM 742718109 107 975 SH   OTR   975 0 0
PROGRESSIVE CORP OHIO COM 743315103 283 3,832 SH   SOLE   3,832 0 0
PROGRESSIVE CORP OHIO COM 743315103 13 175 SH   OTR   175 0 0
PROLOGIS INC. COM 74340W103 215 2,672 SH   SOLE   2,672 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 247 5,502 SH   SOLE   5,502 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 6 125 SH   OTR   125 0 0
RENT A CTR INC NEW COM 76009N100 556 39,355 SH   SOLE   39,355 0 0
ROPER TECHNOLOGIES INC COM 776696106 409 1,313 SH   SOLE   1,313 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,168 8,413 SH   SOLE   8,413 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 164 638 SH   OTR   638 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 375 2,530 SH   SOLE   2,530 0 0
SPDR SER TR PORTFLI MORTGAGE 78464A383 7,531 282,167 SH   SOLE   282,167 0 0
SPDR SER TR PORTFLI MORTGAGE 78464A383 374 14,005 SH   OTR   14,005 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 415 1,580 SH   SOLE   1,580 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,388 39,514 SH   SOLE   39,024 0 490
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,348 16,926 SH   SOLE   16,926 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 818 18,477 SH   SOLE   18,477 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,216 52,557 SH   SOLE   52,557 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 5 120 SH   OTR   120 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,197 42,637 SH   SOLE   42,637 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 5 90 SH   OTR   90 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,233 59,600 SH   SOLE   59,600 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 50 2,405 SH   OTR   2,405 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,133 25,191 SH   SOLE   25,191 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 6,339 245,320 SH   SOLE   244,995 0 325
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 130 5,049 SH   OTR   5,049 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 5,464 100,683 SH   SOLE   100,683 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 380 8,430 SH   SOLE   8,430 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 17 380 SH   OTR   380 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 1,858 20,974 SH   SOLE   20,974 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 22 250 SH   OTR   250 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 1,099 20,168 SH   SOLE   20,168 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 16 300 SH   OTR   300 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 1,257 12,811 SH   SOLE   12,811 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 17 170 SH   OTR   170 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 230 7,925 SH   SOLE   7,925 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 1,193 57,290 SH   SOLE   57,290 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 17 825 SH   OTR   825 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 870 14,745 SH   SOLE   14,745 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 4 70 SH   OTR   70 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 3,261 40,569 SH   SOLE   40,444 0 125
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 39 490 SH   OTR   490 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 1,227 27,733 SH   SOLE   27,733 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 9 200 SH   OTR   200 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 396 7,151 SH   SOLE   7,151 0 0
SERVICENOW INC COM 81762P102 432 1,509 SH   SOLE   1,509 0 0
SHERWIN WILLIAMS CO COM 824348106 1,113 2,422 SH   SOLE   2,422 0 0
SHERWIN WILLIAMS CO COM 824348106 20 43 SH   OTR   43 0 0
SYNOPSYS INC COM 871607107 392 3,045 SH   SOLE   3,045 0 0
TERADYNE INC COM 880770102 846 15,622 SH   SOLE   15,622 0 0
TEXAS INSTRS INC COM 882508104 1,126 11,267 SH   SOLE   11,267 0 0
TEXAS INSTRS INC COM 882508104 65 650 SH   OTR   650 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 2,034 7,171 SH   SOLE   6,571 0 600
THERMO FISHER SCIENTIFIC INC COM 883556102 45 160 SH   OTR   160 0 0
3M CO COM 88579Y101 376 2,752 SH   SOLE   2,752 0 0
3M CO COM 88579Y101 27 200 SH   OTR   200 0 0
UDR INC COM 902653104 881 24,116 SH   SOLE   21,955 0 2,161
UDR INC COM 902653104 138 3,776 SH   OTR   3,776 0 0
UNION PAC CORP COM 907818108 738 5,230 SH   SOLE   5,230 0 0
UNION PAC CORP COM 907818108 51 360 SH   OTR   360 0 0
UNITEDHEALTH GROUP INC COM 91324P102 981 3,934 SH   SOLE   3,934 0 0
UNITEDHEALTH GROUP INC COM 91324P102 32 130 SH   OTR   130 0 0
VALERO ENERGY CORP COM 91913Y100 412 9,076 SH   SOLE   9,076 0 0
VALERO ENERGY CORP COM 91913Y100 13 280 SH   OTR   280 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 6,252 111,120 SH   SOLE   111,120 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 252 4,488 SH   OTR   4,488 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 397 1,675 SH   SOLE   1,675 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 761 10,894 SH   SOLE   10,751 0 143
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 31 440 SH   OTR   440 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,828 34,023 SH   SOLE   33,011 0 1,012
VERIZON COMMUNICATIONS INC COM 92343V104 78 1,445 SH   OTR   1,445 0 0
VISA INC COM CL A 92826C839 2,129 13,213 SH   SOLE   13,213 0 0
VISA INC COM CL A 92826C839 27 165 SH   OTR   165 0 0
WALMART INC COM 931142103 537 4,722 SH   SOLE   4,722 0 0
WALMART INC COM 931142103 50 440 SH   OTR   440 0 0
WASTE MGMT INC DEL COM 94106L109 1,405 15,178 SH   SOLE   15,178 0 0
WASTE MGMT INC DEL COM 94106L109 9 95 SH   OTR   95 0 0
WELLS FARGO CO NEW COM 949746101 220 7,682 SH   SOLE   7,052 0 630
WELLS FARGO CO NEW COM 949746101 40 1,400 SH   OTR   1,400 0 0
WENDYS CO COM 95058W100 1,105 74,277 SH   SOLE   74,277 0 0
WENDYS CO COM 95058W100 24 1,580 SH   OTR   1,580 0 0
WINGSTOP INC COM 974155103 300 3,766 SH   SOLE   3,766 0 0
XCEL ENERGY INC COM 98389B100 1,066 17,681 SH   SOLE   17,681 0 0
XCEL ENERGY INC COM 98389B100 17 290 SH   OTR   290 0 0
ZYNGA INC CL A 98986T108 308 44,914 SH   SOLE   44,914 0 0