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        <value>226</value>
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            <sshPrnamt>108</sshPrnamt>
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        <value>8</value>
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            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>125</None>
        </votingAuthority>
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        <nameOfIssuer>Corteva Inc Com</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>22052L104</cusip>
        <value>392</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4679</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>4679</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Costco Wholesale Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>22160K105</cusip>
        <value>616</value>
        <shrsOrPrnAmt>
            <sshPrnamt>618</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>29</Sole>
            <Shared>0</Shared>
            <None>589</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Cummins Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>231021106</cusip>
        <value>64</value>
        <shrsOrPrnAmt>
            <sshPrnamt>118</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>118</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DTE Energy</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>233331107</cusip>
        <value>11</value>
        <shrsOrPrnAmt>
            <sshPrnamt>77</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>77</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DT Midstream Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>23345M107</cusip>
        <value>4</value>
        <shrsOrPrnAmt>
            <sshPrnamt>33</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>33</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Disney Walt CO</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>254687106</cusip>
        <value>205</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2126</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>90</Sole>
            <Shared>0</Shared>
            <None>2036</None>
        </votingAuthority>
    </infoTable>
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        <nameOfIssuer>Dow Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>260557103</cusip>
        <value>7</value>
        <shrsOrPrnAmt>
            <sshPrnamt>179</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>179</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DuPont de Nemours Inc Com</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>26614N102</cusip>
        <value>13</value>
        <shrsOrPrnAmt>
            <sshPrnamt>276</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>276</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>EOG Resources Inc Com</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>26875P101</cusip>
        <value>20</value>
        <shrsOrPrnAmt>
            <sshPrnamt>139</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>139</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Eaton Vance Ltd Duration Incom</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>27828H105</cusip>
        <value>0</value>
        <shrsOrPrnAmt>
            <sshPrnamt>42</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>42</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Edison Intl</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>281020107</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>7</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Emerson Elec Co</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>291011104</cusip>
        <value>243</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1856</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>101</Sole>
            <Shared>0</Shared>
            <None>1755</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Exxon Mobil Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>30231G102</cusip>
        <value>455</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2680</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>94</Sole>
            <Shared>0</Shared>
            <None>2586</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Meta Platforms Inc Cl A</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>30303M102</cusip>
        <value>684</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1196</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>58</Sole>
            <Shared>0</Shared>
            <None>1138</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Fedex Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>31428X106</cusip>
        <value>30</value>
        <shrsOrPrnAmt>
            <sshPrnamt>83</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>83</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Finward Bancorp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>31812F109</cusip>
        <value>10</value>
        <shrsOrPrnAmt>
            <sshPrnamt>268</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>268</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>First Financial Bancorp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>320209109</cusip>
        <value>96</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3426</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>3426</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>First Trust Financials Alphadex</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>33734X135</cusip>
        <value>50</value>
        <shrsOrPrnAmt>
            <sshPrnamt>898</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>147</Sole>
            <Shared>0</Shared>
            <None>751</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Flexshares Morningstar Global Ups</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>33939L407</cusip>
        <value>4086</value>
        <shrsOrPrnAmt>
            <sshPrnamt>74070</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>14782</Sole>
            <Shared>0</Shared>
            <None>59288</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Flexshares IBOXX 3 Year Target Date</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>33939L506</cusip>
        <value>8886</value>
        <shrsOrPrnAmt>
            <sshPrnamt>366585</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>67467</Sole>
            <Shared>0</Shared>
            <None>299118</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Flexshares High Yield VL ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>33939L662</cusip>
        <value>5185</value>
        <shrsOrPrnAmt>
            <sshPrnamt>129425</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>22700</Sole>
            <Shared>0</Shared>
            <None>106725</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Flexshares Credit Scored US Corp Bond</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>33939L761</cusip>
        <value>8746</value>
        <shrsOrPrnAmt>
            <sshPrnamt>179879</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>33040</Sole>
            <Shared>0</Shared>
            <None>146839</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Flexshares Quality Dividend Index ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>33939L860</cusip>
        <value>2752</value>
        <shrsOrPrnAmt>
            <sshPrnamt>34798</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>6684</Sole>
            <Shared>0</Shared>
            <None>28114</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Fortrea Holdings Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>34965K107</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>128</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>128</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Freeport McMoran Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>35671D857</cusip>
        <value>239</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4074</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>210</Sole>
            <Shared>0</Shared>
            <None>3864</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>GE Healthcare Technologies Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>36266G107</cusip>
        <value>2</value>
        <shrsOrPrnAmt>
            <sshPrnamt>29</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>29</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>General Dynamics Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>369550108</cusip>
        <value>266</value>
        <shrsOrPrnAmt>
            <sshPrnamt>775</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>31</Sole>
            <Shared>0</Shared>
            <None>744</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>General Mills Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>370334104</cusip>
        <value>5</value>
        <shrsOrPrnAmt>
            <sshPrnamt>133</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>133</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>GSK PLC ADr</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>37733W204</cusip>
        <value>306</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5540</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>250</Sole>
            <Shared>0</Shared>
            <None>5290</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Goldman Sachs Group Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>38141G104</cusip>
        <value>153</value>
        <shrsOrPrnAmt>
            <sshPrnamt>181</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>11</Sole>
            <Shared>0</Shared>
            <None>170</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Goldman Sachs Physical Gold Unit</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>38150K103</cusip>
        <value>544</value>
        <shrsOrPrnAmt>
            <sshPrnamt>11785</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>9495</Sole>
            <Shared>0</Shared>
            <None>2290</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Grainger Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>384802104</cusip>
        <value>11</value>
        <shrsOrPrnAmt>
            <sshPrnamt>10</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>10</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Halliburton CO</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>406216101</cusip>
        <value>17</value>
        <shrsOrPrnAmt>
            <sshPrnamt>434</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>434</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Healthpeak Pptys Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>42250P103</cusip>
        <value>2</value>
        <shrsOrPrnAmt>
            <sshPrnamt>133</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>133</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Home Depot Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>437076102</cusip>
        <value>249</value>
        <shrsOrPrnAmt>
            <sshPrnamt>758</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>37</Sole>
            <Shared>0</Shared>
            <None>721</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Honeywell International Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>438516106</cusip>
        <value>33</value>
        <shrsOrPrnAmt>
            <sshPrnamt>145</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>145</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Horizon Bancorp Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>440407104</cusip>
        <value>9286</value>
        <shrsOrPrnAmt>
            <sshPrnamt>560415</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>18560</Sole>
            <Shared>0</Shared>
            <None>541855</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Intel Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>458140100</cusip>
        <value>142</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3214</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>37</Sole>
            <Shared>0</Shared>
            <None>3177</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Intercontinental Exchange Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>45866F104</cusip>
        <value>188</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1193</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>58</Sole>
            <Shared>0</Shared>
            <None>1135</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>International Business Machines</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>459200101</cusip>
        <value>39</value>
        <shrsOrPrnAmt>
            <sshPrnamt>162</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>3</Sole>
            <Shared>0</Shared>
            <None>159</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>International Flavors &amp; Fragrance</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>459506101</cusip>
        <value>5</value>
        <shrsOrPrnAmt>
            <sshPrnamt>64</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <Shared>0</Shared>
            <None>64</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>46090E103</cusip>
        <value>13</value>
        <shrsOrPrnAmt>
            <sshPrnamt>22</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>22</None>
        </votingAuthority>
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        <cusip>461202103</cusip>
        <value>184</value>
        <shrsOrPrnAmt>
            <sshPrnamt>425</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>22</Sole>
            <Shared>0</Shared>
            <None>403</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>46137V100</cusip>
        <value>2</value>
        <shrsOrPrnAmt>
            <sshPrnamt>10</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <Shared>0</Shared>
            <None>10</None>
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        <cusip>46137V357</cusip>
        <value>2165</value>
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            <sshPrnamt>11280</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>9533</None>
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        <cusip>46137V662</cusip>
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            <sshPrnamt>148</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>92</None>
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        <cusip>46137V704</cusip>
        <value>19</value>
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            <sshPrnamt>157</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>101</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>46137V878</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>14</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>0</None>
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        <cusip>464287200</cusip>
        <value>61</value>
        <shrsOrPrnAmt>
            <sshPrnamt>94</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <Shared>0</Shared>
            <None>94</None>
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        <cusip>464287234</cusip>
        <value>7405</value>
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            <sshPrnamt>130397</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>108373</None>
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        <value>9533</value>
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        <votingAuthority>
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            <None>81049</None>
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        <cusip>464287499</cusip>
        <value>6</value>
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            <sshPrnamt>59</sshPrnamt>
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        <votingAuthority>
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            <None>0</None>
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        <cusip>464287549</cusip>
        <value>496</value>
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            <sshPrnamt>4189</sshPrnamt>
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        <votingAuthority>
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            <None>3547</None>
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        <value>31</value>
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            <sshPrnamt>181</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>36</Sole>
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            <None>145</None>
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        <cusip>464287630</cusip>
        <value>27</value>
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            <sshPrnamt>145</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <Shared>0</Shared>
            <None>145</None>
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        <cusip>464287648</cusip>
        <value>57</value>
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            <sshPrnamt>182</sshPrnamt>
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            <None>182</None>
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        <cusip>464287655</cusip>
        <value>6251</value>
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        <cusip>464287804</cusip>
        <value>2</value>
        <shrsOrPrnAmt>
            <sshPrnamt>15</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>15</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>464288273</cusip>
        <value>114</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1456</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>1456</None>
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        <cusip>464288612</cusip>
        <value>31823</value>
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            <sshPrnamt>298301</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>234359</None>
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        <cusip>464288877</cusip>
        <value>185</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2485</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>2485</None>
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        <nameOfIssuer>Ishares Core Msci Eafe ETF</nameOfIssuer>
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        <cusip>46432F842</cusip>
        <value>8466</value>
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        <cusip>46434V381</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>17</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>17</None>
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        <nameOfIssuer>iShares Yield Optimized Bond ETF</nameOfIssuer>
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        <cusip>46434V787</cusip>
        <value>7</value>
        <shrsOrPrnAmt>
            <sshPrnamt>332</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>332</Sole>
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            <None>0</None>
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        <cusip>46625H100</cusip>
        <value>746</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2536</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>116</Sole>
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            <None>2420</None>
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        <cusip>478160104</cusip>
        <value>239</value>
        <shrsOrPrnAmt>
            <sshPrnamt>977</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>60</Sole>
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            <None>917</None>
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        <cusip>482480100</cusip>
        <value>228</value>
        <shrsOrPrnAmt>
            <sshPrnamt>155</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>9</Sole>
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            <None>146</None>
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        <cusip>48251W104</cusip>
        <value>243</value>
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            <sshPrnamt>2622</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>139</Sole>
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            <None>2483</None>
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            <sshPrnamt>20</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>20</None>
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        <titleOfClass>Com</titleOfClass>
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        <value>74</value>
        <shrsOrPrnAmt>
            <sshPrnamt>214</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>214</None>
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        <cusip>518439104</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>13</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>13</None>
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        <nameOfIssuer>Lilly Eli &amp; CO</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>532457108</cusip>
        <value>140</value>
        <shrsOrPrnAmt>
            <sshPrnamt>152</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>152</None>
        </votingAuthority>
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        <nameOfIssuer>Msc Industrial Direct Inc Cl A</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>553530106</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
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            <None>6</None>
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        <cusip>56585A102</cusip>
        <value>13</value>
        <shrsOrPrnAmt>
            <sshPrnamt>53</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
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            <None>53</None>
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        <nameOfIssuer>Marsh</nameOfIssuer>
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        <cusip>571748102</cusip>
        <value>23</value>
        <shrsOrPrnAmt>
            <sshPrnamt>135</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>135</None>
        </votingAuthority>
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        <titleOfClass>Com</titleOfClass>
        <cusip>574599106</cusip>
        <value>505</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8363</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
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            <None>8363</None>
        </votingAuthority>
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        <nameOfIssuer>Mastercard Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>57636Q104</cusip>
        <value>638</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1277</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>59</Sole>
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            <None>1218</None>
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        <nameOfIssuer>McDonalds Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>580135101</cusip>
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        <shrsOrPrnAmt>
            <sshPrnamt>448</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>15</Sole>
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            <None>433</None>
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        <nameOfIssuer>Merck &amp; CO Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>58933Y105</cusip>
        <value>49</value>
        <shrsOrPrnAmt>
            <sshPrnamt>407</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>407</None>
        </votingAuthority>
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        <nameOfIssuer>Microsoft Corp</nameOfIssuer>
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        <cusip>594918104</cusip>
        <value>1423</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3843</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>211</Sole>
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            <None>3632</None>
        </votingAuthority>
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        <nameOfIssuer>Microchip Technology Inc.</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>595017104</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>17</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>17</None>
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        <cusip>620076307</cusip>
        <value>29</value>
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            <sshPrnamt>66</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>66</None>
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        <cusip>64110L106</cusip>
        <value>266</value>
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            <sshPrnamt>2766</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>2611</None>
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        <cusip>65339F101</cusip>
        <value>244</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2624</sshPrnamt>
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        <votingAuthority>
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            <None>2498</None>
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        <cusip>654106103</cusip>
        <value>100</value>
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            <sshPrnamt>1902</sshPrnamt>
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            <None>1802</None>
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        <value>756</value>
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            <sshPrnamt>16197</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>16197</None>
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        <value>45</value>
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            <sshPrnamt>157</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>157</None>
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        <cusip>67066G104</cusip>
        <value>2108</value>
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            <sshPrnamt>12089</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>580</Sole>
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            <None>11509</None>
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        <value>10</value>
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            <sshPrnamt>150</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>150</None>
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        <value>584</value>
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            <sshPrnamt>3972</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>90</Sole>
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            <None>3882</None>
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            <sshPrnamt>51</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
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            <None>51</None>
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        <cusip>69047Q102</cusip>
        <value>217</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3659</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>207</Sole>
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            <None>3452</None>
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        <cusip>69351T106</cusip>
        <value>2</value>
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            <sshPrnamt>42</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
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            <None>42</None>
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        <cusip>693718108</cusip>
        <value>175</value>
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            <sshPrnamt>1513</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <Sole>83</Sole>
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            <None>1430</None>
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        <value>15</value>
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            <sshPrnamt>100</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>100</None>
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        <cusip>697435105</cusip>
        <value>182</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1138</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>52</Sole>
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            <None>1086</None>
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        <cusip>70450Y103</cusip>
        <value>205</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4542</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>237</Sole>
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            <None>4305</None>
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        <cusip>713448108</cusip>
        <value>78</value>
        <shrsOrPrnAmt>
            <sshPrnamt>504</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>12</Sole>
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            <None>492</None>
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        <cusip>717081103</cusip>
        <value>1940</value>
        <shrsOrPrnAmt>
            <sshPrnamt>69075</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>359</Sole>
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            <None>68716</None>
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        <cusip>73642K106</cusip>
        <value>0</value>
        <shrsOrPrnAmt>
            <sshPrnamt>50</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
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            <None>50</None>
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        <cusip>742718109</cusip>
        <value>183</value>
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            <sshPrnamt>1264</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>1204</None>
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        <value>5</value>
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            <sshPrnamt>60</sshPrnamt>
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        <value>19</value>
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            <sshPrnamt>145</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>145</None>
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        <value>601</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3116</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>105</Sole>
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            <None>3011</None>
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        <cusip>76131D103</cusip>
        <value>2</value>
        <shrsOrPrnAmt>
            <sshPrnamt>31</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>31</None>
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        <cusip>780287108</cusip>
        <value>7</value>
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            <sshPrnamt>29</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
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            <None>29</None>
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        <nameOfIssuer>State Street SPDR S&amp;P 500 Index ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>78462F103</cusip>
        <value>783</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1204</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
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            <None>1204</None>
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        <cusip>78463X749</cusip>
        <value>2</value>
        <shrsOrPrnAmt>
            <sshPrnamt>41</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>41</Sole>
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            <None>0</None>
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        <nameOfIssuer>STATE ST SPDR DOW JONES INTL REAL ESTATE ETF</nameOfIssuer>
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        <cusip>78463X863</cusip>
        <value>6</value>
        <shrsOrPrnAmt>
            <sshPrnamt>208</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>208</None>
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        <nameOfIssuer>SPDR Short Term Corporate Bond ETF</nameOfIssuer>
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        <cusip>78464A474</cusip>
        <value>8</value>
        <shrsOrPrnAmt>
            <sshPrnamt>252</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>252</Sole>
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            <None>0</None>
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        <nameOfIssuer>State Street SPDR Portfolio S&amp;P 500 Value ETF</nameOfIssuer>
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        <cusip>78464A508</cusip>
        <value>2</value>
        <shrsOrPrnAmt>
            <sshPrnamt>36</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
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            <None>36</None>
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        <nameOfIssuer>ST STR SPDR S&amp;P REGIONAL BANKING ETF</nameOfIssuer>
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        <cusip>78464A698</cusip>
        <value>11</value>
        <shrsOrPrnAmt>
            <sshPrnamt>176</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>53</Sole>
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            <None>123</None>
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        <nameOfIssuer>State Street SPDR S&amp;P Dividend ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>78464A763</cusip>
        <value>188</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1286</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>1286</None>
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        <nameOfIssuer>State Street SPDR Portfolio S&amp;P 500 ETF</nameOfIssuer>
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        <cusip>78464A854</cusip>
        <value>2</value>
        <shrsOrPrnAmt>
            <sshPrnamt>29</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
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            <None>29</None>
        </votingAuthority>
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        <nameOfIssuer>ST STR SPDR S&amp;P KENSHO NEW ECO COMP ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>78468R648</cusip>
        <value>0</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>8</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>79466L302</cusip>
        <value>314</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1681</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>86</Sole>
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            <None>1595</None>
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        <nameOfIssuer>SLB Limited</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>806857108</cusip>
        <value>253</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4930</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>214</Sole>
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            <None>4716</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>808513105</cusip>
        <value>370</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3938</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>200</Sole>
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            <None>3738</None>
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        <nameOfIssuer>STATE STREET CONSUMER STAPLES SELECT SECTOR S</nameOfIssuer>
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        <cusip>81369Y308</cusip>
        <value>36</value>
        <shrsOrPrnAmt>
            <sshPrnamt>445</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
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            <None>445</None>
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        <nameOfIssuer>State Street Energy Select Sector SPDR ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>81369Y506</cusip>
        <value>190</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3104</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>62</Sole>
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            <None>3042</None>
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        <nameOfIssuer>State Street Real Estate Sel Sector SPDR ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>81369Y860</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>36</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>36</None>
        </votingAuthority>
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        <nameOfIssuer>State Street Utilities Select Sector SPDR ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>81369Y886</cusip>
        <value>166</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3610</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>130</Sole>
            <Shared>0</Shared>
            <None>3480</None>
        </votingAuthority>
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        <nameOfIssuer>Servicenow Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>81762P102</cusip>
        <value>32</value>
        <shrsOrPrnAmt>
            <sshPrnamt>305</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>305</None>
        </votingAuthority>
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        <nameOfIssuer>Solventum Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>83444M101</cusip>
        <value>4</value>
        <shrsOrPrnAmt>
            <sshPrnamt>62</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>62</None>
        </votingAuthority>
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        <nameOfIssuer>TJX Cos Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>872540109</cusip>
        <value>424</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2657</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>167</Sole>
            <Shared>0</Shared>
            <None>2490</None>
        </votingAuthority>
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        <nameOfIssuer>Tapestry Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>876030107</cusip>
        <value>222</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1575</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>89</Sole>
            <Shared>0</Shared>
            <None>1486</None>
        </votingAuthority>
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        <nameOfIssuer>Textron Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>883203101</cusip>
        <value>29</value>
        <shrsOrPrnAmt>
            <sshPrnamt>330</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>330</None>
        </votingAuthority>
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        <nameOfIssuer>3M CO</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>88579Y101</cusip>
        <value>36</value>
        <shrsOrPrnAmt>
            <sshPrnamt>250</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>250</None>
        </votingAuthority>
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        <titleOfClass>Com</titleOfClass>
        <cusip>89055F103</cusip>
        <value>313</value>
        <shrsOrPrnAmt>
            <sshPrnamt>891</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>891</None>
        </votingAuthority>
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        <nameOfIssuer>Truist Finl Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>89832Q109</cusip>
        <value>29</value>
        <shrsOrPrnAmt>
            <sshPrnamt>627</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>627</None>
        </votingAuthority>
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        <nameOfIssuer>Vaneck ETF Trust AgriBusiness</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>92189F700</cusip>
        <value>2</value>
        <shrsOrPrnAmt>
            <sshPrnamt>23</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>12</Sole>
            <Shared>0</Shared>
            <None>11</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Vanguard Bd Index Fds</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>921937835</cusip>
        <value>46023</value>
        <shrsOrPrnAmt>
            <sshPrnamt>624975</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>128180</Sole>
            <Shared>0</Shared>
            <None>496795</None>
        </votingAuthority>
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        <nameOfIssuer>Vanguard FTSE Developed Markets ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>921943858</cusip>
        <value>10</value>
        <shrsOrPrnAmt>
            <sshPrnamt>158</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>158</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>Vanguard Ftse Emerging Markets</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>922042858</cusip>
        <value>7</value>
        <shrsOrPrnAmt>
            <sshPrnamt>123</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>96</Sole>
            <Shared>0</Shared>
            <None>27</None>
        </votingAuthority>
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        <nameOfIssuer>Vanguard Consumer Discretionary</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>92204A108</cusip>
        <value>118</value>
        <shrsOrPrnAmt>
            <sshPrnamt>329</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>55</Sole>
            <Shared>0</Shared>
            <None>274</None>
        </votingAuthority>
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        <nameOfIssuer>Vanguard Consumer Staples ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>92204A207</cusip>
        <value>67</value>
        <shrsOrPrnAmt>
            <sshPrnamt>300</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>44</Sole>
            <Shared>0</Shared>
            <None>256</None>
        </votingAuthority>
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        <nameOfIssuer>Vanguard Financials ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>92204A405</cusip>
        <value>80</value>
        <shrsOrPrnAmt>
            <sshPrnamt>666</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>68</Sole>
            <Shared>0</Shared>
            <None>598</None>
        </votingAuthority>
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        <nameOfIssuer>Vanguard Health Care Index Fund</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>92204A504</cusip>
        <value>87</value>
        <shrsOrPrnAmt>
            <sshPrnamt>319</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>40</Sole>
            <Shared>0</Shared>
            <None>279</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Vanguard Industrials ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>92204A603</cusip>
        <value>90</value>
        <shrsOrPrnAmt>
            <sshPrnamt>288</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>30</Sole>
            <Shared>0</Shared>
            <None>258</None>
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        <nameOfIssuer>Vanguard Info Tech</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>92204A702</cusip>
        <value>35</value>
        <shrsOrPrnAmt>
            <sshPrnamt>50</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>50</None>
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        <nameOfIssuer>Vanguard Communication Services</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>92204A884</cusip>
        <value>77</value>
        <shrsOrPrnAmt>
            <sshPrnamt>428</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>30</Sole>
            <Shared>0</Shared>
            <None>398</None>
        </votingAuthority>
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        <nameOfIssuer>Vanguard 500 S&amp;P ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>922908363</cusip>
        <value>57</value>
        <shrsOrPrnAmt>
            <sshPrnamt>96</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>96</Sole>
            <Shared>0</Shared>
            <None>0</None>
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        <nameOfIssuer>Vanguard Mid-Cap Value ETF Voe</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>922908512</cusip>
        <value>1050</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5697</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>783</Sole>
            <Shared>0</Shared>
            <None>4914</None>
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        <nameOfIssuer>Vanguard Mid-Cap Growth Index</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>922908538</cusip>
        <value>977</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3795</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>517</Sole>
            <Shared>0</Shared>
            <None>3278</None>
        </votingAuthority>
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        <nameOfIssuer>Vanguard REIT ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>922908553</cusip>
        <value>223</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2519</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>2519</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Vanguard Index Funds Smallcap Growth ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>922908595</cusip>
        <value>77</value>
        <shrsOrPrnAmt>
            <sshPrnamt>254</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>38</Sole>
            <Shared>0</Shared>
            <None>216</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Vanguard Index Funds Smallcap Value ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>922908611</cusip>
        <value>73</value>
        <shrsOrPrnAmt>
            <sshPrnamt>338</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>52</Sole>
            <Shared>0</Shared>
            <None>286</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Vanguard Index Funds Growth ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>922908736</cusip>
        <value>9425</value>
        <shrsOrPrnAmt>
            <sshPrnamt>21578</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>3035</Sole>
            <Shared>0</Shared>
            <None>18543</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>ETF Vanguard Value</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>922908744</cusip>
        <value>10165</value>
        <shrsOrPrnAmt>
            <sshPrnamt>51807</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>7252</Sole>
            <Shared>0</Shared>
            <None>44555</None>
        </votingAuthority>
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        <nameOfIssuer>Verizon Communications Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>92343V104</cusip>
        <value>5</value>
        <shrsOrPrnAmt>
            <sshPrnamt>103</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>103</None>
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    <infoTable>
        <nameOfIssuer>Viatris Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>92556V106</cusip>
        <value>12</value>
        <shrsOrPrnAmt>
            <sshPrnamt>864</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>864</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Visa Inc Cl A</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>92826C839</cusip>
        <value>121</value>
        <shrsOrPrnAmt>
            <sshPrnamt>400</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>400</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Wec Energy Group Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>92939U106</cusip>
        <value>4</value>
        <shrsOrPrnAmt>
            <sshPrnamt>34</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>34</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Wabtec Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>929740108</cusip>
        <value>0</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>1</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Wal-Mart Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>931142103</cusip>
        <value>31</value>
        <shrsOrPrnAmt>
            <sshPrnamt>247</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>247</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Waters Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>941848103</cusip>
        <value>2</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>7</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Wells Fargo &amp; CO</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>949746101</cusip>
        <value>28</value>
        <shrsOrPrnAmt>
            <sshPrnamt>354</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>124</Sole>
            <Shared>0</Shared>
            <None>230</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Wendys Co Com</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>95058W100</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>124</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>124</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Yum Brands Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>988498101</cusip>
        <value>173</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1113</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>59</Sole>
            <Shared>0</Shared>
            <None>1054</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Zimmer Biomet Holdings Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>98956P102</cusip>
        <value>157</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1731</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>92</Sole>
            <Shared>0</Shared>
            <None>1639</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>AON PLC Shs Cl A</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>G0403H108</cusip>
        <value>77</value>
        <shrsOrPrnAmt>
            <sshPrnamt>240</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>240</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Accenture PLC</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>G1151C101</cusip>
        <value>162</value>
        <shrsOrPrnAmt>
            <sshPrnamt>816</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>48</Sole>
            <Shared>0</Shared>
            <None>768</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Eaton Corp PLC Shs</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>G29183103</cusip>
        <value>285</value>
        <shrsOrPrnAmt>
            <sshPrnamt>797</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>35</Sole>
            <Shared>0</Shared>
            <None>762</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Medtronic PLC</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>G5960L103</cusip>
        <value>297</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3431</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>165</Sole>
            <Shared>0</Shared>
            <None>3266</None>
        </votingAuthority>
    </infoTable>
</informationTable>
