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
2U INC COM 90214J101 1,571 41,400 SH   OTR   0 41,400 0
3M CO COM 88579Y101 678 4,351 SH   OTR   0 4,351 0
ABBVIE INC COM 00287Y109 170 1,740 SH   OTR   0 1,740 0
ADOBE INC COM 00724F101 72,342 166,545 SH   DFND 1 0 166,545 0
ADOBE INC COM 00724F101 8,872 20,382 SH   OTR   0 20,382 0
AGILENT TECHNOLOGIES INC COM 00846U101 431 4,942 SH   DFND 1 0 4,942 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 1,217 5,665 SH   DFND 1 0 5,665 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 669 3,102 SH   OTR   0 3,102 0
ALPHABET INC CAP STK CL C 02079K107 76,679 54,314 SH   DFND 1 0 54,314 0
ALPHABET INC CAP STK CL C 02079K107 5,206 3,683 SH   OTR   0 3,683 0
ALPHABET INC CAP STK CL A 02079K305 2,506 1,790 SH   DFND 1 0 1,790 0
ALPHABET INC CAP STK CL A 02079K305 8,288 5,845 SH   OTR   0 5,845 0
ALTRIA GROUP INC COM 02209S103 228 5,835 SH   DFND 1 0 5,835 0
ALTRIA GROUP INC COM 02209S103 264 6,740 SH   OTR   0 6,740 0
AMAZON COM INC COM 023135106 89,004 32,349 SH   DFND 1 0 32,349 0
AMAZON COM INC COM 023135106 10,745 3,895 SH   OTR   0 3,895 0
AMERICAN EXPRESS CO COM 025816109 95 1,000 SH   OTR   0 1,000 0
AMERIPRISE FINL INC COM 03076C106 1,080 7,287 SH   DFND 1 0 7,287 0
ANALOG DEVICES INC COM 032654105 628 5,284 SH   DFND 1 0 5,284 0
ANTHEM INC COM 036752103 715 2,758 SH   DFND 1 0 2,758 0
APPLE INC COM 037833100 1,647 4,552 SH   DFND 1 0 4,552 0
APPLE INC COM 037833100 2,334 6,400 SH   OTR   0 6,400 0
ARK ETF TR INNOVATION ETF 00214Q104 53 750 SH   OTR   0 750 0
ARK ETF TR AUTNMUS TECHNLGY 00214Q203 18 400 SH   OTR   0 400 0
ARK ETF TR NEXT GNRTN INTER 00214Q401 50 600 SH   OTR   0 600 0
AT&T INC COM 00206R102 86 2,905 SH   DFND 1 0 2,905 0
AUTOLIV INC COM 052800109 3,225 50,000 SH   OTR   0 50,000 0
BAIDU INC SPON ADR REP A 056752108 35 300 SH   OTR   0 300 0
BALLARD PWR SYS INC NEW COM 058586108 30 2,000 SH   OTR   0 2,000 0
BARRICK GOLD CORPORATION COM 067901108 314 11,664 SH   OTR   0 11,664 0
BECTON DICKINSON & CO COM 075887109 51,121 214,163 SH   DFND 1 0 214,163 0
BECTON DICKINSON & CO COM 075887109 5,875 24,555 SH   OTR   0 24,555 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,337 7,554 SH   DFND 1 0 7,554 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 988 5,535 SH   OTR   0 5,535 0
BK OF AMERICA CORP COM 060505104 953 40,790 SH   DFND 1 0 40,790 0
BK OF AMERICA CORP COM 060505104 178 7,500 SH   OTR   0 7,500 0
BLACKSTONE GROUP INC COM CL A 09260D107 422 7,565 SH   DFND 1 0 7,565 0
BOOKING HOLDINGS INC COM 09857L108 1,089 684 SH   DFND 1 0 684 0
BRISTOL-MYERS SQUIBB CO COM 110122108 303 5,250 SH   DFND 1 0 5,250 0
BRISTOL-MYERS SQUIBB CO COM 110122108 420 7,150 SH   OTR   0 7,150 0
CALIFORNIA RES CORP COM NEW 13057Q206 0 35 SH   DFND 1 0 35 0
CANADIAN NAT RES LTD COM 136385101 25 1,500 SH   OTR   0 1,500 0
CANADIAN NATL RY CO COM 136375102 456 5,250 SH   DFND 1 0 5,250 0
CARMAX INC COM 143130102 1,520 17,081 SH   DFND 1 0 17,081 0
CARNIVAL PLC ADR 14365C103 6 500 SH   OTR   0 500 0
CARRIER GLOBAL CORPORATION COM 14448C104 348 15,749 SH   DFND 1 0 15,749 0
CATERPILLAR INC DEL COM 149123101 169 1,340 SH   OTR   0 1,340 0
CENTURYLINK INC COM 156700106 86 8,640 SH   OTR   0 8,640 0
CHAMPIONX CORPORATION COM 15872M104 45 4,755 SH   DFND 1 0 4,755 0
CHEVRON CORP NEW COM 166764100 230 2,585 SH   OTR   0 2,585 0
CISCO SYS INC COM 17275R102 163 3,510 SH   OTR   0 3,510 0
CITIGROUP INC COM NEW 172967424 163 3,250 SH   DFND 1 0 3,250 0
CITIGROUP INC COM NEW 172967424 127 2,500 SH   OTR   0 2,500 0
COLGATE PALMOLIVE CO COM 194162103 38,330 523,703 SH   DFND 1 0 523,703 0
COLGATE PALMOLIVE CO COM 194162103 4,909 67,018 SH   OTR   0 67,018 0
COMCAST CORP NEW CL A 20030N101 329 8,450 SH   DFND 1 0 8,450 0
CORECIVIC INC COM 21871N101 93 10,000 SH   OTR   0 10,000 0
CORTEVA INC COM 22052L104 18 693 SH   OTR   0 693 0
COSTCO WHSL CORP NEW COM 22160K105 184 610 SH   OTR   0 610 0
CROWN CASTLE INTL CORP NEW COM 22822V101 497 3,064 SH   DFND 1 0 3,064 0
DBX ETF TR XTRACK HRVST CSI 233051879 1,757 59,140 SH   OTR   0 59,140 0
DIAGEO P L C SPON ADR NEW 25243Q205 309 2,300 SH   OTR   0 2,300 0
DISNEY WALT CO COM DISNEY 254687106 35,915 322,076 SH   DFND 1 0 322,076 0
DISNEY WALT CO COM DISNEY 254687106 6,363 57,066 SH   OTR   0 57,066 0
DOLLAR TREE INC COM 256746108 443 4,730 SH   DFND 1 0 4,730 0
DOVER CORP COM 260003108 900 9,510 SH   DFND 1 0 9,510 0
DOW INC COM 260557103 28 693 SH   OTR   0 693 0
DUPONT DE NEMOURS INC COM 26614N102 36 693 SH   OTR   0 693 0
EBAY INC. COM 278642103 1 25 SH   OTR   0 25 0
EDWARDS LIFESCIENCES CORP COM 28176E108 43,492 630,254 SH   DFND 1 0 630,254 0
FACEBOOK INC CL A 30303M102 1,824 8,267 SH   DFND 1 0 8,267 0
FACEBOOK INC CL A 30303M102 1,186 5,224 SH   OTR   0 5,224 0
FIRST TRUST PORTFOLIOS LP SHS 337345102 17 160 SH   OTR   0 160 0
GAIN CAP HLDGS INC COM 36268W100 13 2,208 SH   DFND 1 0 2,208 0
GENERAL DYNAMICS CORP COM 369550108 367 2,462 SH   DFND 1 0 2,462 0
GILEAD SCIENCES INC COM 375558103 123 1,600 SH   DFND 1 0 1,600 0
GILEAD SCIENCES INC COM 375558103 2,959 38,463 SH   OTR   0 38,463 0
HAIN CELESTIAL GROUP INC COM 405217100 540 17,451 SH   DFND 1 0 17,451 0
INTERNATIONAL BUSINESS MACHS COM 459200101 76 630 SH   OTR   0 630 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 503 4,110 SH   OTR   0 4,110 0
INTERPUBLIC GROUP COS INC COM 460690100 125 7,320 SH   OTR   0 7,320 0
INTUIT COM 461202103 609 2,117 SH   DFND 1 0 2,117 0
INTUITIVE SURGICAL INC COM NEW 46120E602 53,941 94,906 SH   DFND 1 0 94,906 0
INTUITIVE SURGICAL INC COM NEW 46120E602 5,939 10,423 SH   OTR   0 10,423 0
ISHARES GOLD TRUST ISHARES 464285105 1,126 66,280 SH   OTR   0 66,280 0
ISHARES INC CORE MSCI EMKT 46434G103 182 3,837 SH   OTR   0 3,837 0
ISHARES SILVER TR ISHARES 46428Q109 28 1,700 SH   OTR   0 1,700 0
ISHARES TR TIPS BD ETF 464287176 788 6,409 SH   OTR   0 6,409 0
ISHARES TR CORE S&P500 ETF 464287200 736 2,377 SH   OTR   0 2,377 0
ISHARES TR IBOXX INV CP ETF 464287242 2,179 16,255 SH   DFND 1 0 16,255 0
ISHARES TR IBOXX INV CP ETF 464287242 473 3,520 SH   OTR   0 3,520 0
ISHARES TR GLOBAL FINLS ETF 464287333 57 1,100 SH   OTR   0 1,100 0
ISHARES TR GLOBAL ENERG ETF 464287341 22 1,155 SH   OTR   0 1,155 0
ISHARES TR MSCI ACWI ETF 464288257 738 10,024 SH   OTR   0 10,024 0
ISHARES TR JPMORGAN USD EMG 464288281 37 346 SH   OTR   0 346 0
ISHARES TR SH TR CRPORT ETF 464288646 781 14,280 SH   OTR   0 14,280 0
ISHARES TR GLB CNSM STP ETF 464288737 279 5,412 SH   OTR   0 5,412 0
ISHARES TR MSCI INDIA ETF 46429B598 1,900 65,500 SH   OTR   0 65,500 0
ISHARES TR 0-5YR HI YL CP 46434V407 569 13,278 SH   OTR   0 13,278 0
ISHARES TR GLOBAL REIT ETF 46434V647 185 8,875 SH   OTR   0 8,875 0
ISHARES U S ETF TR SHT MAT MUN ETF 46431W838 499 9,966 SH   OTR   0 9,966 0
JD.COM INC SPON ADR CL A 47215P106 300 5,000 SH   OTR   0 5,000 0
JOHNSON & JOHNSON COM 478160104 1,262 8,975 SH   OTR   0 8,975 0
JPMORGAN CHASE & CO COM 46625H100 1,349 14,507 SH   DFND 1 0 14,507 0
JPMORGAN CHASE & CO COM 46625H100 300 3,190 SH   OTR   0 3,190 0
KELLOGG CO COM 487836108 108 1,650 SH   OTR   0 1,650 0
KINDER MORGAN INC DEL COM 49456B101 504 34,432 SH   DFND 1 0 34,432 0
KKR & CO INC COM 48251W104 611 20,279 SH   DFND 1 0 20,279 0
KNOWLES CORP COM 49926D109 74 4,950 SH   DFND 1 0 4,950 0
KRANESHARES TR CSI CHI INTERNET 500767306 24 400 SH   OTR   0 400 0
LAS VEGAS SANDS CORP COM 517834107 57 1,256 SH   OTR   0 1,256 0
LAUDER ESTEE COS INC CL A 518439104 61,896 328,556 SH   DFND 1 0 328,556 0
LAUDER ESTEE COS INC CL A 518439104 8,160 43,250 SH   OTR   0 43,250 0
LOCKHEED MARTIN CORP COM 539830109 2,072 5,680 SH   OTR   0 5,680 0
LOWES COS INC COM 548661107 1,697 12,717 SH   DFND 1 0 12,717 0
MASTERCARD INCORPORATED CL A 57636Q104 3,401 11,603 SH   DFND 1 0 11,603 0
MASTERCARD INCORPORATED CL A 57636Q104 32 110 SH   OTR   0 110 0
MCDONALDS CORP COM 580135101 49,021 265,965 SH   DFND 1 0 265,965 0
MCDONALDS CORP COM 580135101 6,374 34,554 SH   OTR   0 34,554 0
MERCK & CO. INC COM 58933Y105 299 3,930 SH   DFND 1 0 3,930 0
MERCK & CO. INC COM 58933Y105 154 2,000 SH   OTR   0 2,000 0
METLIFE INC COM 59156R108 100 2,750 SH   OTR   0 2,750 0
METTLER TOLEDO INTERNATIONAL COM 592688105 281 350 SH   OTR   0 350 0
MICROSOFT CORP COM 594918104 109,633 540,184 SH   DFND 1 0 540,184 0
MICROSOFT CORP COM 594918104 13,654 67,096 SH   OTR   0 67,096 0
NETFLIX INC COM 64110L106 1,248 2,744 SH   OTR   0 2,744 0
NEWMONT CORP COM 651639106 334 5,411 SH   DFND 1 0 5,411 0
NEWMONT CORP COM 651639106 654 10,600 SH   OTR   0 10,600 0
NIKE INC CL B 654106103 73,986 756,084 SH   DFND 1 0 756,084 0
NIKE INC CL B 654106103 7,546 76,964 SH   OTR   0 76,964 0
NOMAD FOODS LTD USD ORD SHS G6564A105 741 35,215 SH   DFND 1 0 35,215 0
NVIDIA CORPORATION COM 67066G104 107 282 SH   OTR   0 282 0
OCCIDENTAL PETE CORP COM 674599105 3 200 SH   OTR   0 200 0
OTIS WORLDWIDE CORP COM 68902V107 111 1,977 SH   DFND 1 0 1,977 0
PAYPAL HLDGS INC COM 70450Y103 111,373 639,230 SH   DFND 1 0 639,230 0
PAYPAL HLDGS INC COM 70450Y103 13,812 79,277 SH   OTR   0 79,277 0
PEPSICO INC COM 713448108 38,201 289,067 SH   DFND 1 0 289,067 0
PEPSICO INC COM 713448108 4,284 32,393 SH   OTR   0 32,393 0
PFIZER INC COM 717081103 105 3,220 SH   OTR   0 3,220 0
PHILIP MORRIS INTL INC COM 718172109 208 2,960 SH   DFND 1 0 2,960 0
PHILIP MORRIS INTL INC COM 718172109 1,083 15,469 SH   OTR   0 15,469 0
PHILLIPS 66 COM 718546104 70 1,025 SH   DFND 1 0 1,025 0
PROCTER AND GAMBLE CO COM 742718109 149 1,250 SH   OTR   0 1,250 0
QUALCOMM INC COM 747525103 1,117 12,250 SH   OTR   0 12,250 0
RAYTHEON TECHNOLOGIES CORP COM NEW 755111507 903 14,600 SH   DFND 1 0 14,600 0
RESTAURANT BRANDS INTL INC COM 76131D103 111 2,050 SH   OTR   0 2,050 0
S&P GLOBAL INC COM 78409V104 72,483 220,504 SH   DFND 1 0 220,504 0
S&P GLOBAL INC COM 78409V104 4,997 15,169 SH   OTR   0 15,169 0
SBA COMMUNICATIONS CORP NEW CL A 78410G104 760 2,631 SH   DFND 1 0 2,631 0
SFL CORPORATION LTD SHS G7738W106 102 11,000 SH   OTR   0 11,000 0
SPDR GOLD TR GOLD SHS 78463V107 6,099 36,612 SH   DFND 1 0 36,612 0
SPDR GOLD TR GOLD SHS 78463V107 909 5,435 SH   OTR   0 5,435 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,991 9,702 SH   OTR   0 9,702 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 1,423 47,170 SH   DFND 1 0 47,170 0
SPDR SER TR BLOOMBERG BRCLYS 78468R622 15 150 SH   OTR   0 150 0
STARBUCKS CORP COM 855244109 635 8,630 SH   OTR   0 8,630 0
STERICYCLE INC COM 858912108 611 11,062 SH   DFND 1 0 11,062 0
STRYKER CORPORATION COM 863667101 42,915 238,498 SH   DFND 1 0 238,498 0
STRYKER CORPORATION COM 863667101 4,971 27,593 SH   OTR   0 27,593 0
SUNCOR ENERGY INC NEW COM 867224107 556 32,829 SH   DFND 1 0 32,829 0
SUNCOR ENERGY INC NEW COM 867224107 361 21,522 SH   OTR   0 21,522 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 424 7,522 SH   DFND 1 0 7,522 0
TESLA INC COM 88160R101 167 155 SH   OTR   0 155 0
THERMO FISHER SCIENTIFIC INC COM 883556102 36 100 SH   OTR   0 100 0
TJX COS INC NEW COM 872540109 315 6,212 SH   DFND 1 0 6,212 0
UNILEVER PLC SPON ADR NEW 904767704 424 8,000 SH   OTR   0 8,000 0
UNITED RENTALS INC COM 911363109 1,058 7,162 SH   DFND 1 0 7,162 0
UNITEDHEALTH GROUP INC COM 91324P102 2,103 7,255 SH   DFND 1 0 7,255 0
UNITEDHEALTH GROUP INC COM 91324P102 1,402 4,755 SH   OTR   0 4,755 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 593 2,121 SH   DFND 1 0 2,121 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 7,611 26,856 SH   OTR   0 26,856 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 37 481 SH   OTR   0 481 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,531 29,368 SH   DFND 1 0 29,368 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 5,108 68,292 SH   OTR   0 68,292 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 3,855 80,831 SH   DFND 1 0 80,831 0
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565 980 12,020 SH   OTR   0 12,020 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 8,799 92,708 SH   DFND 1 0 92,708 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,710 34,732 SH   DFND 1 0 34,732 0
VEONEER INC COM 92336X109 534 50,000 SH   OTR   0 50,000 0
VERIZON COMMUNICATIONS INC COM 92343V104 133 2,420 SH   OTR   0 2,420 0
VISA INC COM CL A 92826C839 101,513 526,031 SH   DFND 1 0 526,031 0
VISA INC COM CL A 92826C839 13,112 67,882 SH   OTR   0 67,882 0
WALMART INC COM 931142103 19 160 SH   OTR   0 160 0
WELLS FARGO CO NEW COM 949746101 25 1,000 SH   OTR   0 1,000 0
ZOETIS INC CL A 98978V103 88,163 643,339 SH   DFND 1 0 643,339 0
ZOETIS INC CL A 98978V103 9,040 65,967 SH   OTR   0 65,967 0