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
ABBOTT LABS COMMON STOCK 002824100 97 2,175 SH   OTR 2 0 2,175 0
ABBOTT LABS COMMON STOCK 002824100 464 10,437 SH   DFND 2 10,437 0 0
ABBOTT LABS COMMON STOCK 002824100 15 343 SH   SOLE   343 0 0
AFFILIATED MANAGERS GROUP INC COMMON STOCK 008252108 12 75 SH   DFND 2 75 0 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 18 135 SH   OTR 2 0 135 0
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 30 225 SH   DFND 2 225 0 0
ALCOA CORP COMMON STOCK 013872106 5 150 SH   DFND 2 150 0 0
ALLIANT CORP COMMON STOCK 018802108 70 1,775 SH   DFND 2 1,775 0 0
ALLSTATE CORP COMMON STOCK 020002101 45 553 SH   OTR 2 0 553 0
AMAZON.COM INC COMMON STOCK 023135106 155 175 SH   OTR 2 0 175 0
AMAZON.COM INC COMMON STOCK 023135106 3,428 3,867 SH   DFND 2 3,867 0 0
AMAZON.COM INC COMMON STOCK 023135106 351 396 SH   SOLE   396 0 0
AMAZON.COM INC COMMON STOCK 023135106 6,206 7,000 SH   DFND 3 7,000 0 0
AMERICAN ELEC PWR INC COMMON STOCK 025537101 67 994 SH   DFND 2 994 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 194 2,455 SH   OTR 2 0 2,455 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 712 9,004 SH   DFND 2 9,004 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 73 929 SH   SOLE   929 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 25 400 SH   OTR 2 0 400 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 1,201 19,239 SH   DFND 2 19,239 0 0
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874784 106 1,690 SH   SOLE   1,690 0 0
AMERICAN WATER WORKS CO INC COMMON STOCK 030420103 23 290 SH   DFND 2 290 0 0
AMGEN INC COMMON STOCK 031162100 66 400 SH   OTR 2 0 400 0
AMGEN INC COMMON STOCK 031162100 2,080 12,675 SH   DFND 2 12,675 0 0
AMGEN INC COMMON STOCK 031162100 225 1,370 SH   SOLE   1,370 0 0
AMGEN INC COMMON STOCK 031162100 2,051 12,500 SH   DFND 3 12,500 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 29 350 SH   DFND 2 350 0 0
ANALOG DEVICES INC COMMON STOCK 032654105 14 175 SH   SOLE   175 0 0
APACHE CORP COMMON STOCK 037411105 420 8,178 SH   DFND 2 8,178 0 0
APACHE CORP COMMON STOCK 037411105 45 866 SH   SOLE   866 0 0
APPLE INC COMMON STOCK 037833100 566 3,938 SH   OTR 2 0 3,938 0
APPLE INC COMMON STOCK 037833100 6,627 46,131 SH   DFND 2 46,131 0 0
APPLE INC COMMON STOCK 037833100 718 4,995 SH   SOLE   4,995 0 0
APPLE INC COMMON STOCK 037833100 5,746 40,000 SH   DFND 3 40,000 0 0
APPLIED MATERIALS INC COMMON STOCK 038222105 180 4,635 SH   DFND 2 4,635 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 9 200 SH   DFND 2 200 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 630 18,574 SH   OTR 2 0 18,574 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 45,111 1,330,713 SH   DFND 2 1,330,713 0 0
ARROW FINANCIAL CORPORATION COMMON STOCK 042744102 636 18,767 SH   SOLE   18,767 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 425 4,150 SH   OTR 2 0 4,150 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 232 2,270 SH   DFND 2 2,270 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 48 468 SH   SOLE   468 0 0
AVALONBAY COMMUNITIES INC REIT COMMON STOCK 053484101 6 30 SH   DFND 2 30 0 0
BB&T CORPORATION COMMON STOCK 054937107 66 1,485 SH   DFND 2 1,485 0 0
BB&T CORPORATION COMMON STOCK 054937107 1,118 25,000 SH   DFND 3 25,000 0 0
BP PLC SPONS ADR COMMON STOCK 055622104 65 1,890 SH   DFND 2 1,890 0 0
BAKER HUGHES INC COMMON STOCK 057224107 3 55 SH   OTR 2 0 55 0
BAKER HUGHES INC COMMON STOCK 057224107 687 11,480 SH   DFND 2 11,480 0 0
BAKER HUGHES INC COMMON STOCK 057224107 28 461 SH   SOLE   461 0 0
BAKER HUGHES INC COMMON STOCK 057224107 598 10,000 SH   DFND 3 10,000 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 34 1,459 SH   OTR 2 0 1,459 0
BANK OF AMERICA CORP COMMON STOCK 060505104 324 13,755 SH   DFND 2 13,755 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 156 6,600 SH   SOLE   6,600 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 2,368 100,385 SH   DFND 3 100,385 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 70 1,475 SH   OTR 2 0 1,475 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 251 5,305 SH   DFND 2 5,305 0 0
BANK OF NEW YORK MELLON CORP COMMON STOCK 064058100 9 190 SH   SOLE   190 0 0
BARD CR INC COMMON STOCK 067383109 45 180 SH   DFND 2 180 0 0
BARRICK GOLD CORP COMMON STOCK 067901108 2 100 SH   DFND 2 100 0 0
BAXTER INTL INC COMMON STOCK 071813109 106 2,050 SH   OTR 2 0 2,050 0
BAXTER INTL INC COMMON STOCK 071813109 92 1,770 SH   DFND 2 1,770 0 0
BECTON DICKINSON COMMON STOCK 075887109 52 285 SH   OTR 2 0 285 0
BECTON DICKINSON COMMON STOCK 075887109 36 195 SH   DFND 2 195 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 238 1,425 SH   OTR 2 0 1,425 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 2,939 17,635 SH   DFND 2 17,635 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 221 1,326 SH   SOLE   1,326 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670702 1,667 10,000 SH   DFND 3 10,000 0 0
BOB EVANS FARMS INC COMMON STOCK 096761101 1 12 SH   DFND 2 12 0 0
BOEING CO COMMON STOCK 097023105 313 1,770 SH   DFND 2 1,770 0 0
BOEING CO COMMON STOCK 097023105 9 50 SH   SOLE   50 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 121 2,225 SH   OTR 2 0 2,225 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 1,608 29,569 SH   DFND 2 29,569 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 172 3,169 SH   SOLE   3,169 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 816 15,000 SH   DFND 3 15,000 0 0
BRUNSWICK CORP COMMON STOCK 117043109 12 200 SH   DFND 2 200 0 0
BUCKEYE PARTNERS LP COMMON STOCK 118230101 34 500 SH   OTR 2 0 500 0
BUCKEYE PARTNERS LP COMMON STOCK 118230101 3 45 SH   DFND 2 45 0 0
BUFFALO WILD WINGS INC COMMON STOCK 119848109 8 50 SH   DFND 2 50 0 0
CSX CORP COMMON STOCK 126408103 8 180 SH   DFND 2 180 0 0
CVS HEALTH CORP COMMON STOCK 126650100 31 390 SH   OTR 2 0 390 0
CVS HEALTH CORP COMMON STOCK 126650100 1,066 13,575 SH   DFND 2 13,575 0 0
CVS HEALTH CORP COMMON STOCK 126650100 100 1,275 SH   SOLE   1,275 0 0
CVS HEALTH CORP COMMON STOCK 126650100 1,256 16,000 SH   DFND 3 16,000 0 0
CANADIAN NATIONAL RAILWAY CO COMMON STOCK 136375102 15 200 SH   SOLE   200 0 0
CARMAX INC COMMON STOCK 143130102 12 200 SH   DFND 2 200 0 0
CARNIVAL CORP COMMON STOCK 143658300 71 1,200 SH   DFND 2 1,200 0 0
CATERPILLAR INC COMMON STOCK 149123101 162 1,750 SH   OTR 2 0 1,750 0
CATERPILLAR INC COMMON STOCK 149123101 215 2,318 SH   DFND 2 2,318 0 0
CELGENE CORP COMMON STOCK 151020104 106 850 SH   OTR 2 0 850 0
CELGENE CORP COMMON STOCK 151020104 1,429 11,485 SH   DFND 2 11,485 0 0
CELGENE CORP COMMON STOCK 151020104 109 872 SH   SOLE   872 0 0
CELGENE CORP COMMON STOCK 151020104 1,369 11,000 SH   DFND 3 11,000 0 0
CENTRAL FUND CANADA LTD-A OTHER 153501101 88 6,880 SH   DFND 2 6,880 0 0
CERNER CORP COMMON STOCK 156782104 743 12,617 SH   DFND 2 12,617 0 0
CERNER CORP COMMON STOCK 156782104 44 749 SH   SOLE   749 0 0
CHEESECAKE FACTORY INC COMMON STOCK 163072101 6 100 SH   OTR 2 0 100 0
CHEESECAKE FACTORY INC COMMON STOCK 163072101 57 900 SH   DFND 2 900 0 0
THE CHEMOURS COMPANY COMMON STOCK 163851108 3 80 SH   DFND 2 80 0 0
CHESAPEAKE UTILITIES CORP COMMON STOCK 165303108 19 270 SH   DFND 2 270 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 564 5,249 SH   OTR 2 0 5,249 0
CHEVRON CORPORATION COMMON STOCK 166764100 2,298 21,406 SH   DFND 2 21,406 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 198 1,848 SH   SOLE   1,848 0 0
CHEVRON CORPORATION COMMON STOCK 166764100 1,342 12,500 SH   DFND 3 12,500 0 0
CHIPOTLE MEXICAN GRILL INC COMMON STOCK 169656105 2 4 SH   DFND 2 4 0 0
CITIGROUP INC COMMON STOCK 172967424 14 236 SH   OTR 2 0 236 0
CITIGROUP INC COMMON STOCK 172967424 39 660 SH   DFND 2 660 0 0
CITIGROUP INC COMMON STOCK 172967424 60 1,000 SH   SOLE   1,000 0 0
CLOROX COMPANY COMMON STOCK 189054109 27 200 SH   OTR 2 0 200 0
CLOROX COMPANY COMMON STOCK 189054109 118 872 SH   DFND 2 872 0 0
COCA COLA CO COMMON STOCK 191216100 77 1,805 SH   OTR 2 0 1,805 0
COCA COLA CO COMMON STOCK 191216100 1,618 38,116 SH   DFND 2 38,116 0 0
COCA COLA CO COMMON STOCK 191216100 144 3,382 SH   SOLE   3,382 0 0
COGNIZANT TECHNOLOGY SOLUTIONS COMMON STOCK 192446102 20 330 SH   DFND 2 330 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 500 6,830 SH   OTR 2 0 6,830 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 455 6,220 SH   DFND 2 6,220 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 64 870 SH   SOLE   870 0 0
COMMUNITY BANK SYSTEM INC COMMON STOCK 203607106 356 6,484 SH   DFND 2 6,484 0 0
CONNECTICUT WATER SVC INC COMMON STOCK 207797101 11 200 SH   DFND 2 200 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 73 939 SH   DFND 2 939 0 0
CORNING INC COMMON STOCK 219350105 24 900 SH   DFND 2 900 0 0
CUMMINS INC COMMON STOCK 231021106 5 35 SH   OTR 2 0 35 0
CUMMINS INC COMMON STOCK 231021106 985 6,516 SH   DFND 2 6,516 0 0
CUMMINS INC COMMON STOCK 231021106 38 252 SH   SOLE   252 0 0
CUMMINS INC COMMON STOCK 231021106 1,210 8,000 SH   DFND 3 8,000 0 0
DTE ENERGY CO COMMON STOCK 233331107 42 415 SH   OTR 2 0 415 0
DANAHER CORP COMMON STOCK 235851102 15 176 SH   OTR 2 0 176 0
DANAHER CORP COMMON STOCK 235851102 158 1,847 SH   DFND 2 1,847 0 0
DANAHER CORP COMMON STOCK 235851102 16 190 SH   SOLE   190 0 0
DEERE & CO COMMON STOCK 244199105 105 960 SH   DFND 2 960 0 0
DICK'S SPORTING GOODS INC COMMON STOCK 253393102 19 400 SH   OTR 2 0 400 0
DICK'S SPORTING GOODS INC COMMON STOCK 253393102 953 19,575 SH   DFND 2 19,575 0 0
DICK'S SPORTING GOODS INC COMMON STOCK 253393102 91 1,880 SH   SOLE   1,880 0 0
DICK'S SPORTING GOODS INC COMMON STOCK 253393102 1,217 25,000 SH   DFND 3 25,000 0 0
DIGITAL REALTY TRUST INC REIT COMMON STOCK 253868103 53 500 SH   SOLE   500 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 204 1,795 SH   OTR 2 0 1,795 0
DISNEY WALT CO NEW COMMON STOCK 254687106 3,120 27,512 SH   DFND 2 27,512 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 311 2,741 SH   SOLE   2,741 0 0
DISNEY WALT CO NEW COMMON STOCK 254687106 1,740 15,345 SH   DFND 3 15,345 0 0
DISCOVER FINL SVCS COMMON STOCK 254709108 32 466 SH   OTR 2 0 466 0
DOLLAR GENERAL CORP COMMON STOCK 256677105 9 122 SH   DFND 2 122 0 0
DOLLAR TREE INC COMMON STOCK 256746108 630 8,030 SH   DFND 2 8,030 0 0
DONALDSON INC COMMON STOCK 257651109 10 210 SH   DFND 2 210 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 60 940 SH   OTR 2 0 940 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 471 7,419 SH   DFND 2 7,419 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 13 200 SH   SOLE   200 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 44 550 SH   OTR 2 0 550 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 579 7,211 SH   DFND 2 7,211 0 0
DU PONT E I DE NEMOURS & CO COMMON STOCK 263534109 14 175 SH   SOLE   175 0 0
DUNKIN BRANDS GROUP INC COMMON STOCK 265504100 5 100 SH   SOLE   100 0 0
EBAY INC COMMON STOCK 278642103 7 200 SH   OTR 2 0 200 0
EBAY INC COMMON STOCK 278642103 115 3,435 SH   DFND 2 3,435 0 0
EBAY INC COMMON STOCK 278642103 3 100 SH   SOLE   100 0 0
ECOLAB INC COMMON STOCK 278865100 179 1,425 SH   OTR 2 0 1,425 0
ECOLAB INC COMMON STOCK 278865100 761 6,074 SH   DFND 2 6,074 0 0
ECOLAB INC COMMON STOCK 278865100 62 494 SH   SOLE   494 0 0
EDISON INTERNATIONAL COMMON STOCK 281020107 12 150 SH   DFND 2 150 0 0
ELECTRONIC ARTS INC COMMON STOCK 285512109 6 70 SH   DFND 2 70 0 0
EMERSON ELEC CO COMMON STOCK 291011104 208 3,470 SH   OTR 2 0 3,470 0
EMERSON ELEC CO COMMON STOCK 291011104 304 5,078 SH   DFND 2 5,078 0 0
EMERSON ELEC CO COMMON STOCK 291011104 12 200 SH   SOLE   200 0 0
ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 26 944 SH   DFND 2 944 0 0
FACTSET RESEARCH SYSTEM INC COMMON STOCK 303075105 10 60 SH   DFND 2 60 0 0
FISERV INC COMMON STOCK 337738108 265 2,300 SH   DFND 2 2,300 0 0
FIRSTENERGY CORP COMMON STOCK 337932107 25 801 SH   DFND 2 801 0 0
FORD MOTOR CO DEL COMMON STOCK 345370860 23 2,000 SH   OTR 2 0 2,000 0
FORD MOTOR CO DEL COMMON STOCK 345370860 68 5,874 SH   DFND 2 5,874 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 38 205 SH   OTR 2 0 205 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 516 2,758 SH   DFND 2 2,758 0 0
GENERAL DYNAMICS CORP COMMON STOCK 369550108 34 181 SH   SOLE   181 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 857 28,756 SH   OTR 2 0 28,756 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 3,815 128,033 SH   DFND 2 128,033 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 286 9,599 SH   SOLE   9,599 0 0
GENERAL ELECTRIC CORP COMMON STOCK 369604103 1,490 50,000 SH   DFND 3 50,000 0 0
GENERAL MLS INC COMMON STOCK 370334104 57 965 SH   OTR 2 0 965 0
GENERAL MLS INC COMMON STOCK 370334104 1,549 26,257 SH   DFND 2 26,257 0 0
GENERAL MLS INC COMMON STOCK 370334104 103 1,739 SH   SOLE   1,739 0 0
GENERAL MLS INC COMMON STOCK 370334104 1,180 20,000 SH   DFND 3 20,000 0 0
GENUINE PARTS CO COMMON STOCK 372460105 63 686 SH   DFND 2 686 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 86 1,265 SH   OTR 2 0 1,265 0
GILEAD SCIENCES INC COMMON STOCK 375558103 994 14,640 SH   DFND 2 14,640 0 0
GILEAD SCIENCES INC COMMON STOCK 375558103 124 1,821 SH   SOLE   1,821 0 0
GRAINGER W W INC COMMON STOCK 384802104 28 120 SH   DFND 2 120 0 0
GRUBHUB INC COMMON STOCK 400110102 493 15,000 SH   DFND 3 15,000 0 0
HALLIBURTON CO COMMON STOCK 406216101 10 200 SH   OTR 2 0 200 0
HALLIBURTON CO COMMON STOCK 406216101 141 2,870 SH   DFND 2 2,870 0 0
HARLEY DAVIDSON INC COMMON STOCK 412822108 67 1,100 SH   OTR 2 0 1,100 0
HARRIS CORP COMMON STOCK 413875105 0 1 SH   SOLE   1 0 0
HELMERICH & PAYNE INC COMMON STOCK 423452101 21 310 SH   DFND 2 310 0 0
HELMERICH & PAYNE INC COMMON STOCK 423452101 3 50 SH   SOLE   50 0 0
JACK HENRY & ASSOC INC COMMON STOCK 426281101 11 120 SH   DFND 2 120 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108 318 2,910 SH   DFND 2 2,910 0 0
THE HERSHEY COMPANY COMMON STOCK 427866108 11 105 SH   SOLE   105 0 0
HEXCEL CORP COMMON STOCK 428291108 42 775 SH   DFND 2 775 0 0
HOME DEPOT INC COMMON STOCK 437076102 366 2,490 SH   OTR 2 0 2,490 0
HOME DEPOT INC COMMON STOCK 437076102 2,234 15,215 SH   DFND 2 15,215 0 0
HOME DEPOT INC COMMON STOCK 437076102 234 1,597 SH   SOLE   1,597 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 106 845 SH   OTR 2 0 845 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1,817 14,552 SH   DFND 2 14,552 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 160 1,284 SH   SOLE   1,284 0 0
HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 1,249 10,000 SH   DFND 3 10,000 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 65 490 SH   DFND 2 490 0 0
ILLINOIS TOOL WKS INC COMMON STOCK 452308109 52 395 SH   SOLE   395 0 0
INTEL CORP COMMON STOCK 458140100 418 11,600 SH   OTR 2 0 11,600 0
INTEL CORP COMMON STOCK 458140100 1,693 46,931 SH   DFND 2 46,931 0 0
INTEL CORP COMMON STOCK 458140100 149 4,120 SH   SOLE   4,120 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 1,420 8,153 SH   OTR 2 0 8,153 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 2,388 13,713 SH   DFND 2 13,713 0 0
INTL. BUSINESS MACHINES CORP COMMON STOCK 459200101 166 952 SH   SOLE   952 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 1,088 8,213 SH   DFND 2 8,213 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 90 682 SH   SOLE   682 0 0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK 459506101 1,060 8,000 SH   DFND 3 8,000 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 25 500 SH   OTR 2 0 500 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 85 1,680 SH   DFND 2 1,680 0 0
INTERNATIONAL PAPER CO COMMON STOCK 460146103 15 290 SH   SOLE   290 0 0
INTERPUBLIC GROUP OF COMPANIES COMMON STOCK 460690100 34 1,400 SH   SOLE   1,400 0 0
INTUIT INC COMMON STOCK 461202103 94 810 SH   OTR 2 0 810 0
ISHARES SELECT DIVIDEND ETF OTHER 464287168 4 47 SH   DFND 2 47 0 0
ISHARES BARCLAYS TIPS BOND ETF OTHER 464287176 18 160 SH   DFND 2 160 0 0
ISHARES CORE S&P 500 ETF OTHER 464287200 95 400 SH   DFND 2 400 0 0
ISHARES CORE S&P 500 ETF OTHER 464287200 254 1,070 SH   SOLE   1,070 0 0
ISHARES CORE U.S. AGGREGATE BO OTHER 464287226 188 1,732 SH   OTR 2 0 1,732 0
ISHARES CORE U.S. AGGREGATE BO OTHER 464287226 6,675 61,529 SH   DFND 2 61,529 0 0
ISHARES CORE U.S. AGGREGATE BO OTHER 464287226 183 1,687 SH   SOLE   1,687 0 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 414 10,517 SH   OTR 2 0 10,517 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 14,957 379,723 SH   DFND 2 379,723 0 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 39 990 SH   OTR   0 990 0
ISHARES MSCI EMERGING MKT ETF OTHER 464287234 1,178 29,902 SH   SOLE   29,902 0 0
ISHARES S&P 500 GROWTH ETF OTHER 464287309 26 200 SH   SOLE   200 0 0
ISHARES S&P 500 VALUE ETF OTHER 464287408 62 600 SH   DFND 2 600 0 0
ISHARES S&P 500 VALUE ETF OTHER 464287408 130 1,250 SH   SOLE   1,250 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 106 1,250 SH   OTR 2 0 1,250 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 1,371 16,216 SH   DFND 2 16,216 0 0
ISHARES BARCLAYS 1-3 YEAR TR E OTHER 464287457 1 142 SH   SOLE   142 0 0
ISHARES MSCI EAFE ETF OTHER 464287465 242 3,889 SH   DFND 2 3,889 0 0
ISHARES MSCI EAFE ETF OTHER 464287465 33 525 SH   SOLE   525 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 23 125 SH   OTR 2 0 125 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 765 4,085 SH   DFND 2 4,085 0 0
ISHARES RUSSELL MIDCAP ETF OTHER 464287499 86 461 SH   SOLE   461 0 0
ISHARES S&P 400 MIDCAP INDEX F OTHER 464287507 1,462 8,541 SH   DFND 2 8,541 0 0
ISHARES S&P 400 MIDCAP INDEX F OTHER 464287507 284 1,658 SH   SOLE   1,658 0 0
ISHARES RUSSELL 2000 ETF OTHER 464287655 359 2,610 SH   DFND 2 2,610 0 0
ISHARES S&P SMALLCAP 600 OTHER 464287804 21 300 SH   OTR 2 0 300 0
ISHARES S&P SMALLCAP 600 OTHER 464287804 1,238 17,899 SH   DFND 2 17,899 0 0
ISHARES S&P SMALLCAP 600 OTHER 464287804 167 2,418 SH   SOLE   2,418 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 2,939 26,679 SH   DFND 2 26,679 0 0
ISHARES NEW YORK MUNI BOND ETF OTHER 464288323 1,385 12,571 SH   SOLE   12,571 0 0
ISHARES NATIONAL MUNI BOND ETF OTHER 464288414 109 1,000 SH   DFND 2 1,000 0 0
ISHARES BARCLAYS 1-3 YEAR CR E OTHER 464288646 121 1,150 SH   OTR 2 0 1,150 0
ISHARES BARCLAYS 1-3 YEAR CR E OTHER 464288646 3,455 32,835 SH   DFND 2 32,835 0 0
ISHARES BARCLAYS 1-3 YEAR CR E OTHER 464288646 65 614 SH   SOLE   614 0 0
ISHARES S&P PREF STK ETF OTHER 464288687 66 1,695 SH   DFND 2 1,695 0 0
ISHARES DJ US REGIONAL BANKS E OTHER 464288778 33 735 SH   DFND 2 735 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 45 823 SH   OTR 2 0 823 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 234 4,224 SH   DFND 2 4,224 0 0
JACOBS ENGINEERING GROUP INC COMMON STOCK 469814107 30 535 SH   SOLE   535 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 1,241 9,965 SH   OTR 2 0 9,965 0
JOHNSON & JOHNSON COMMON STOCK 478160104 4,170 33,483 SH   DFND 2 33,483 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 352 2,828 SH   SOLE   2,828 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 1,868 15,000 SH   DFND 3 15,000 0 0
KELLOGG CO COMMON STOCK 487836108 135 1,855 SH   OTR 2 0 1,855 0
KELLOGG CO COMMON STOCK 487836108 12 164 SH   DFND 2 164 0 0
KEYCORP COMMON STOCK 493267108 18 1,012 SH   DFND 2 1,012 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 29 220 SH   DFND 2 220 0 0
KIMBERLY CLARK CORP COMMON STOCK 494368103 7 50 SH   SOLE   50 0 0
KOHLS CORP COMMON STOCK 500255104 6 150 SH   DFND 2 150 0 0
KRAFT HEINZ CO COMMON STOCK 500754106 9 102 SH   OTR 2 0 102 0
KRAFT HEINZ CO COMMON STOCK 500754106 164 1,811 SH   DFND 2 1,811 0 0
KRAFT HEINZ CO COMMON STOCK 500754106 9 100 SH   SOLE   100 0 0
KROGER CO COMMON STOCK 501044101 3 100 SH   DFND 2 100 0 0
LILLY ELI & CO COMMON STOCK 532457108 198 2,350 SH   OTR 2 0 2,350 0
LILLY ELI & CO COMMON STOCK 532457108 274 3,255 SH   DFND 2 3,255 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 87 324 SH   DFND 2 324 0 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 13 50 SH   SOLE   50 0 0
LOWES COS INC COMMON STOCK 548661107 243 2,950 SH   OTR 2 0 2,950 0
LOWES COS INC COMMON STOCK 548661107 379 4,606 SH   DFND 2 4,606 0 0
LOWES COS INC COMMON STOCK 548661107 7 80 SH   SOLE   80 0 0
MDU RESOURCES GROUP INC COMMON STOCK 552690109 11 400 SH   DFND 2 400 0 0
MAGELLAN MIDSTREAM PARTNERS LP COMMON STOCK 559080106 10 125 SH   DFND 2 125 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 39 410 SH   OTR 2 0 410 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 987 10,484 SH   DFND 2 10,484 0 0
MARRIOTT INTERNATIONAL INC COMMON STOCK 571903202 123 1,311 SH   SOLE   1,311 0 0
MASCO CORP COMMON STOCK 574599106 1,391 40,931 SH   DFND 2 40,931 0 0
MASCO CORP COMMON STOCK 574599106 83 2,446 SH   SOLE   2,446 0 0
MASCO CORP COMMON STOCK 574599106 1,869 55,000 SH   DFND 3 55,000 0 0
MCCORMICK & CO INC COMMON STOCK 579780206 10 100 SH   DFND 2 100 0 0
MCDONALDS CORP COMMON STOCK 580135101 91 700 SH   OTR 2 0 700 0
MCDONALDS CORP COMMON STOCK 580135101 1,011 7,803 SH   DFND 2 7,803 0 0
MCDONALDS CORP COMMON STOCK 580135101 86 665 SH   SOLE   665 0 0
MICROSOFT CORP COMMON STOCK 594918104 1,083 16,440 SH   OTR 2 0 16,440 0
MICROSOFT CORP COMMON STOCK 594918104 4,384 66,569 SH   DFND 2 66,569 0 0
MICROSOFT CORP COMMON STOCK 594918104 406 6,162 SH   SOLE   6,162 0 0
MICROSOFT CORP COMMON STOCK 594918104 3,293 50,000 SH   DFND 3 50,000 0 0
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 48 650 SH   SOLE   650 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 9 207 SH   OTR 2 0 207 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 18 419 SH   DFND 2 419 0 0
MONDELEZ INTERNATIONAL INC COMMON STOCK 609207105 14 325 SH   SOLE   325 0 0
MORGAN STANLEY COMMON STOCK 617446448 96 2,250 SH   OTR 2 0 2,250 0
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MORGAN STANLEY COMMON STOCK 617446448 154 3,604 SH   SOLE   3,604 0 0
MORGAN STANLEY COMMON STOCK 617446448 2,142 50,000 SH   DFND 3 50,000 0 0
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NBT BANCORP INC COM COMMON STOCK 628778102 46 1,250 SH   SOLE   1,250 0 0
NATIONAL FUEL GAS CO COMMON STOCK 636180101 18 300 SH   DFND 2 300 0 0
NATIONAL-OILWELL INC COMMON STOCK 637071101 30 750 SH   OTR 2 0 750 0
NATIONAL-OILWELL INC COMMON STOCK 637071101 55 1,375 SH   DFND 2 1,375 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 272 4,880 SH   OTR 2 0 4,880 0
NIKE INC-CLASS B COMMON STOCK 654106103 271 4,865 SH   DFND 2 4,865 0 0
NIKE INC-CLASS B COMMON STOCK 654106103 28 500 SH   SOLE   500 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 84 750 SH   OTR 2 0 750 0
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NUVEEN AMT-FREE QUALITY MUNI I OTHER 670657105 27 2,000 SH   DFND 2 2,000 0 0
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PPG INDUSTRIES INC COMMON STOCK 693506107 57 540 SH   DFND 2 540 0 0
PACKAGING CORP OF AMERICA COMMON STOCK 695156109 57 625 SH   OTR 2 0 625 0
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PAYCHEX INC COMMON STOCK 704326107 59 1,000 SH   OTR 2 0 1,000 0
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PEPSICO INC COMMON STOCK 713448108 882 7,889 SH   OTR 2 0 7,889 0
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PFIZER INC COMMON STOCK 717081103 1,779 52,000 SH   DFND 3 52,000 0 0
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PHILIP MORRIS INTERNATIONAL COMMON STOCK 718172109 1,036 9,176 SH   DFND 2 9,176 0 0
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QUALCOMM INC COMMON STOCK 747525103 15 258 SH   DFND 2 258 0 0
RAYTHEON COMPANY COMMON STOCK 755111507 137 900 SH   DFND 2 900 0 0
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SOUTHERN COMPANY COMMON STOCK 842587107 16 315 SH   DFND 2 315 0 0
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UNDER ARMOUR INC-CLASS A COMMON STOCK 904311107 511 25,833 SH   DFND 2 25,833 0 0
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UNDER ARMOUR INC-CLASS A COMMON STOCK 904311107 1,592 80,500 SH   DFND 3 80,500 0 0
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UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 400 3,732 SH   DFND 2 3,732 0 0
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UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 966 9,000 SH   DFND 3 9,000 0 0
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UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 1,510 13,454 SH   DFND 2 13,454 0 0
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WELLS FARGO & CO COMMON STOCK 949746101 331 5,940 SH   OTR 2 0 5,940 0
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TARGET CORP COMMON STOCK 87612E106 13 243 SH   DFND 2 243 0 0
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ALTRIA GROUP INC COMMON STOCK 02209S103 625 8,752 SH   DFND 2 8,752 0 0
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CA INC COMMON STOCK 12673P105 6 200 SH   DFND 2 200 0 0
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CARDINAL HEALTH INC COMMON STOCK 14149Y108 193 2,370 SH   DFND 2 2,370 0 0
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CISCO SYSTEMS INC COMMON STOCK 17275R102 94 2,785 SH   OTR 2 0 2,785 0
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CONSTELLATION BRANDS INC COMMON STOCK 21036P108 63 388 SH   SOLE   388 0 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 70 420 SH   OTR 2 0 420 0
COSTCO WHOLESALE CORP COMMON STOCK 22160K105 623 3,713 SH   DFND 2 3,713 0 0
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COSTCO WHOLESALE CORP COMMON STOCK 22160K105 838 5,000 SH   DFND 3 5,000 0 0
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DOMINION RESOURCES INC COMMON STOCK 25746U109 325 4,194 SH   DFND 2 4,194 0 0
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DOMINOS PIZZA INC COMMON STOCK 25754A201 2,765 15,000 SH   DFND 3 15,000 0 0
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DUKE ENERGY CORP COMMON STOCK 26441C204 96 1,167 SH   DFND 2 1,167 0 0
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EOG RES INC COMMON STOCK 26875P101 797 8,168 SH   DFND 2 8,168 0 0
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EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 241 3,650 SH   DFND 2 3,650 0 0
EXPRESS SCRIPTS HLDG COMMON STOCK 30219G108 7 100 SH   SOLE   100 0 0
EXXONMOBIL CORP COMMON STOCK 30231G102 996 12,142 SH   OTR 2 0 12,142 0
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EXXONMOBIL CORP COMMON STOCK 30231G102 1,394 17,000 SH   DFND 3 17,000 0 0
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GABELLI DIVIDEND & INCOME TRUS OTHER 36242H104 28 1,350 SH   DFND 2 1,350 0 0
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GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 93 405 SH   OTR 2 0 405 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 1,939 8,441 SH   DFND 2 8,441 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 147 641 SH   SOLE   641 0 0
GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 2,067 9,000 SH   DFND 3 9,000 0 0
HP INC COMMON STOCK 40434L105 161 9,000 SH   DFND 2 9,000 0 0
HEWLETT PACKARD ENTERPRISE COM COMMON STOCK 42824C109 213 9,000 SH   DFND 2 9,000 0 0
HOST HOTELS & RESORTS, INC REI COMMON STOCK 44107P104 5 260 SH   DFND 2 260 0 0
INGEVITY CORP COMMON STOCK 45688C107 1 16 SH   DFND 2 16 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 1,180 19,712 SH   DFND 2 19,712 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 67 1,111 SH   SOLE   1,111 0 0
INTERCONTINENTAL EXCHANGE GROU COMMON STOCK 45866F104 1,197 20,000 SH   DFND 3 20,000 0 0
ISHARES SILVER TRUST OTHER 46428Q109 29 1,674 SH   DFND 2 1,674 0 0
J. ALEXANDER S HOLDINGS INC COMMON STOCK 46609J106 2 172 SH   DFND 2 172 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 685 7,798 SH   OTR 2 0 7,798 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 3,549 40,401 SH   DFND 2 40,401 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 366 4,163 SH   SOLE   4,163 0 0
JP MORGAN CHASE & CO COMMON STOCK 46625H100 1,932 22,000 SH   DFND 3 22,000 0 0
KADANT INC COMMON STOCK 48282T104 48 809 SH   DFND 2 809 0 0
KIMCO REALTY CORP REIT COMMON STOCK 49446R109 3 120 SH   DFND 2 120 0 0
KINDER MORGAN INC COMMON STOCK 49456B101 1 50 SH   SOLE   50 0 0
MARATHON PETROLEUM CORPORATION COMMON STOCK 56585A102 5 100 SH   DFND 2 100 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 67 600 SH   DFND 2 600 0 0
MASTERCARD INC CL A COMMON STOCK 57636Q104 11 100 SH   SOLE   100 0 0
MCKESSON CORP COMMON STOCK 58155Q103 15 100 SH   DFND 2 100 0 0
MERCK & CO INC COMMON STOCK 58933Y105 257 4,050 SH   OTR 2 0 4,050 0
MERCK & CO INC COMMON STOCK 58933Y105 2,515 39,586 SH   DFND 2 39,586 0 0
MERCK & CO INC COMMON STOCK 58933Y105 206 3,240 SH   SOLE   3,240 0 0
MERCK & CO INC COMMON STOCK 58933Y105 1,773 27,900 SH   DFND 3 27,900 0 0
METLIFE INC COMMON STOCK 59156R108 28 525 SH   OTR 2 0 525 0
METLIFE INC COMMON STOCK 59156R108 149 2,830 SH   DFND 2 2,830 0 0
MOLSON COORS BREWING CO-B COMMON STOCK 60871R209 10 100 SH   DFND 2 100 0 0
MONSANTO CO COMMON STOCK 61166W101 7 65 SH   DFND 2 65 0 0
MONSTER BEVERAGE CORP COMMON STOCK 61174X109 5 100 SH   DFND 2 100 0 0
MONSTER BEVERAGE CORP COMMON STOCK 61174X109 1,108 24,000 SH   DFND 3 24,000 0 0
THE MOSAIC COMPANY COMMON STOCK 61945C103 9 300 SH   DFND 2 300 0 0
NETFLIX INC COMMON STOCK 64110L106 6 40 SH   OTR 2 0 40 0
NETFLIX INC COMMON STOCK 64110L106 2,104 14,233 SH   DFND 2 14,233 0 0
NETFLIX INC COMMON STOCK 64110L106 213 1,442 SH   SOLE   1,442 0 0
NETFLIX INC COMMON STOCK 64110L106 1,922 13,000 SH   DFND 3 13,000 0 0
NETSCOUT SYSTEMS INC COMMON STOCK 64115T104 15 398 SH   DFND 2 398 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 128 995 SH   OTR 2 0 995 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 1,082 8,426 SH   DFND 2 8,426 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 99 768 SH   SOLE   768 0 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 642 5,000 SH   DFND 3 5,000 0 0
NOVARTIS AG SPONS ADR COMMON STOCK 66987V109 52 700 SH   DFND 2 700 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 312 7,000 SH   OTR 2 0 7,000 0
ORACLE CORPORATION COMMON STOCK 68389X105 2,062 46,233 SH   DFND 2 46,233 0 0
ORACLE CORPORATION COMMON STOCK 68389X105 158 3,536 SH   SOLE   3,536 0 0
PANERA BREAD COMPANY COMMON STOCK 69840W108 8 30 SH   DFND 2 30 0 0
PARAMOUNT GOLD NEVADA CORP COMMON STOCK 69924M109 0 2 SH   OTR 2 0 2 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 22 500 SH   OTR 2 0 500 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 1,920 44,632 SH   DFND 2 44,632 0 0
PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 155 3,600 SH   SOLE   3,600 0 0
PRAXAIR INC COMMON STOCK 74005P104 33 275 SH   OTR 2 0 275 0
PRAXAIR INC COMMON STOCK 74005P104 143 1,204 SH   DFND 2 1,204 0 0
PRAXAIR INC COMMON STOCK 74005P104 9 80 SH   SOLE   80 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 234 3,435 SH   OTR 2 0 3,435 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 309 4,530 SH   DFND 2 4,530 0 0
T ROWE PRICE GROUP INC COMMON STOCK 74144T108 41 597 SH   SOLE   597 0 0
PRIMERO MINING CORP COMMON STOCK 74164W106 0 1 SH   OTR 2 0 1 0
PUBLIC STORAGE INC REIT COMMON STOCK 74460D109 50 230 SH   DFND 2 230 0 0
QUEST DIAGNOSTICS INC COMMON STOCK 74834L100 64 650 SH   OTR 2 0 650 0
RETAIL OPPORTUNITY INVESTMENTS COMMON STOCK 76131N101 15 700 SH   DFND 2 700 0 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 80 340 SH   OTR 2 0 340 0
SPDR S&P 500 ETF TRUST OTHER 78462F103 7,459 31,640 SH   DFND 2 31,640 0 0
SPDR GOLD TRUST OTHER 78463V107 20 166 SH   DFND 2 166 0 0
SPDR S&P 600 SMALL CAP GROWTH OTHER 78464A201 133 625 SH   DFND 2 625 0 0
SPDR S&P 500 GROWTH ETF OTHER 78464A409 674 5,927 SH   DFND 2 5,927 0 0
SPDR DJ WILSHIRE LARGE CAP VAL OTHER 78464A508 396 3,511 SH   DFND 2 3,511 0 0
SPDR S&P TELECOM ETF OTHER 78464A540 10 141 SH   OTR 2 0 141 0
SPDR S&P TELECOM ETF OTHER 78464A540 749 10,561 SH   DFND 2 10,561 0 0
SPDR S&P TELECOM ETF OTHER 78464A540 60 840 SH   SOLE   840 0 0
SPDR S&P INSURANCE ETF OTHER 78464A789 36 420 SH   DFND 2 420 0 0
SPDR S&P 600 SMALL CAP ETF OTHER 78464A813 32 263 SH   DFND 2 263 0 0
SPDR S&P 400 MID CAP GROWTH ET OTHER 78464A821 179 1,285 SH   DFND 2 1,285 0 0
SPDR S&P BIOTECH ETF OTHER 78464A870 7 100 SH   OTR 2 0 100 0
SPDR S&P BIOTECH ETF OTHER 78464A870 23 325 SH   DFND 2 325 0 0
SPDR S&P MIDCAP 400 ETF TRUST OTHER 78467Y107 204 652 SH   DFND 2 652 0 0
SALESFORCE.COM COMMON STOCK 79466L302 1,520 18,422 SH   DFND 2 18,422 0 0
SALESFORCE.COM COMMON STOCK 79466L302 151 1,836 SH   SOLE   1,836 0 0
SALESFORCE.COM COMMON STOCK 79466L302 2,475 30,000 SH   DFND 3 30,000 0 0
SANDSTORM GOLD LTD COMMON STOCK 80013R206 0 2 SH   OTR 2 0 2 0
MATERIALS SELECT SPDR FUND OTHER 81369Y100 186 3,555 SH   OTR 2 0 3,555 0
MATERIALS SELECT SPDR FUND OTHER 81369Y100 882 16,838 SH   DFND 2 16,838 0 0
MATERIALS SELECT SPDR FUND OTHER 81369Y100 82 1,560 SH   SOLE   1,560 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 914 12,295 SH   OTR 2 0 12,295 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 372 5,006 SH   DFND 2 5,006 0 0
HEALTH CARE SELECT SECTOR SPDR OTHER 81369Y209 80 1,075 SH   SOLE   1,075 0 0
CONSUMER STAPLES SELECT SECTOR OTHER 81369Y308 574 10,521 SH   OTR 2 0 10,521 0
CONSUMER STAPLES SELECT SECTOR OTHER 81369Y308 144 2,634 SH   DFND 2 2,634 0 0
CONSUMER STAPLES SELECT SECTOR OTHER 81369Y308 43 790 SH   SOLE   790 0 0
CONSUMER DISCRETIONARY SELT OTHER 81369Y407 936 10,638 SH   OTR 2 0 10,638 0
CONSUMER DISCRETIONARY SELT OTHER 81369Y407 292 3,323 SH   DFND 2 3,323 0 0
CONSUMER DISCRETIONARY SELT OTHER 81369Y407 94 1,065 SH   SOLE   1,065 0 0
ENERGY SELECT SECTOR SPDR OTHER 81369Y506 399 5,706 SH   OTR 2 0 5,706 0
ENERGY SELECT SECTOR SPDR OTHER 81369Y506 188 2,690 SH   DFND 2 2,690 0 0
ENERGY SELECT SECTOR SPDR OTHER 81369Y506 21 305 SH   SOLE   305 0 0
FINANCIAL SELECT SECTOR SPDR OTHER 81369Y605 825 34,754 SH   OTR 2 0 34,754 0
FINANCIAL SELECT SECTOR SPDR OTHER 81369Y605 458 19,303 SH   DFND 2 19,303 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 588 9,036 SH   OTR 2 0 9,036 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 257 3,955 SH   DFND 2 3,955 0 0
INDUSTRIAL SELECT SECTOR SPDR OTHER 81369Y704 49 750 SH   SOLE   750 0 0
TECHNOLOGY SELECT SECT SPDR OTHER 81369Y803 1,624 30,461 SH   OTR 2 0 30,461 0
TECHNOLOGY SELECT SECT SPDR OTHER 81369Y803 357 6,703 SH   DFND 2 6,703 0 0
TECHNOLOGY SELECT SECT SPDR OTHER 81369Y803 128 2,400 SH   SOLE   2,400 0 0
REAL ESTATE SELECT SECT SPDR OTHER 81369Y860 151 4,780 SH   OTR 2 0 4,780 0
REAL ESTATE SELECT SECT SPDR OTHER 81369Y860 431 13,646 SH   DFND 2 13,646 0 0
REAL ESTATE SELECT SECT SPDR OTHER 81369Y860 16 493 SH   SOLE   493 0 0
UTILITIES SELECT SECTOR SPDR OTHER 81369Y886 121 2,355 SH   OTR 2 0 2,355 0
UTILITIES SELECT SECTOR SPDR OTHER 81369Y886 548 10,679 SH   DFND 2 10,679 0 0
UTILITIES SELECT SECTOR SPDR OTHER 81369Y886 66 1,292 SH   SOLE   1,292 0 0
SHIRE PLC SPONS ADR COMMON STOCK 82481R106 2 11 SH   DFND 2 11 0 0
TESLA INC COMMON STOCK 88160R101 736 2,644 SH   DFND 2 2,644 0 0
TESLA INC COMMON STOCK 88160R101 45 160 SH   SOLE   160 0 0
TESLA INC COMMON STOCK 88160R101 1,392 5,000 SH   DFND 3 5,000 0 0
3-D SYSTEMS CORP COMMON STOCK 88554D205 1 100 SH   DFND 2 100 0 0
3M CO COMMON STOCK 88579Y101 430 2,250 SH   OTR 2 0 2,250 0
3M CO COMMON STOCK 88579Y101 1,338 6,995 SH   DFND 2 6,995 0 0
3M CO COMMON STOCK 88579Y101 120 625 SH   SOLE   625 0 0
TWITTER INC COMMON STOCK 90184L102 1 100 SH   DFND 2 100 0 0
TWITTER INC COMMON STOCK 90184L102 449 30,000 SH   DFND 3 30,000 0 0
ETRACS ALERIAN MLP ETN OTHER 90267B682 26 1,260 SH   DFND 2 1,260 0 0
UNITED THERAPEUTICS CORP DEL COMMON STOCK 91307C102 14 100 SH   DFND 2 100 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 42 255 SH   OTR 2 0 255 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 354 2,157 SH   DFND 2 2,157 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 189 1,155 SH   SOLE   1,155 0 0
UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 2,050 12,500 SH   DFND 3 12,500 0 0
UNITI GROUP INC REIT COMMON STOCK 91325V108 12 465 SH   DFND 2 465 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 38 575 SH   DFND 2 575 0 0
VALERO ENERGY CORP COMMON STOCK 91913Y100 48 725 SH   SOLE   725 0 0
VANECK VECTORS BIOTECH ETF OTHER 92189F726 30 250 SH   DFND 2 250 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 257 5,279 SH   OTR 2 0 5,279 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1,204 24,706 SH   DFND 2 24,706 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 96 1,959 SH   SOLE   1,959 0 0
VERIZON COMMUNICATIONS COMMON STOCK 92343V104 244 5,000 SH   DFND 3 5,000 0 0
VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 33 300 SH   OTR 2 0 300 0
VIACOM INC-B COMMON STOCK 92553P201 61 1,302 SH   OTR 2 0 1,302 0
VIACOM INC-B COMMON STOCK 92553P201 14 305 SH   DFND 2 305 0 0
VISA INC CL A COMMON STOCK 92826C839 100 1,130 SH   OTR 2 0 1,130 0
VISA INC CL A COMMON STOCK 92826C839 2,950 33,193 SH   DFND 2 33,193 0 0
VISA INC CL A COMMON STOCK 92826C839 303 3,414 SH   SOLE   3,414 0 0
VISA INC CL A COMMON STOCK 92826C839 5,332 60,000 SH   DFND 3 60,000 0 0
WEC ENERGY GROUP INC COMMON STOCK 92939U106 30 500 SH   DFND 2 500 0 0
WASTE MANAGEMENT INC COMMON STOCK 94106L109 1 19 SH   DFND 2 19 0 0
WESTROCK CO COMMON STOCK 96145D105 5 99 SH   DFND 2 99 0 0
WINDSTREAM HOLDINGS INC COMMON STOCK 97382A200 4 684 SH   DFND 2 684 0 0
YUM CHINA HOLDINGS INC COMMON STOCK 98850P109 20 720 SH   DFND 2 720 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 46 375 SH   OTR 2 0 375 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 241 1,975 SH   DFND 2 1,975 0 0
ZIMMER BIOMET HOLDINGS INC COMMON STOCK 98956P102 9 75 SH   SOLE   75 0 0
ADIENT PLC COMMON STOCK G0084W101 1 8 SH   OTR 2 0 8 0
ALLERGAN PLC COMMON STOCK G0177J108 298 1,247 SH   DFND 2 1,247 0 0
ALLERGAN PLC COMMON STOCK G0177J108 36 150 SH   SOLE   150 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 12 100 SH   OTR 2 0 100 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 300 2,505 SH   DFND 2 2,505 0 0
ACCENTURE PLC CL A COMMON STOCK G1151C101 29 240 SH   SOLE   240 0 0
EATON CORP PLC COMMON STOCK G29183103 93 1,250 SH   OTR 2 0 1,250 0
INGERSOLL-RAND PLC COMMON STOCK G47791101 12 146 SH   DFND 2 146 0 0
JOHNSON CONTROLS INTERNATIONAL COMMON STOCK G51502105 3 83 SH   OTR 2 0 83 0
JOHNSON CONTROLS INTERNATIONAL COMMON STOCK G51502105 30 710 SH   DFND 2 710 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 184 2,282 SH   OTR 2 0 2,282 0
MEDTRONIC PLC COMMON STOCK G5960L103 354 4,395 SH   DFND 2 4,395 0 0
MEDTRONIC PLC COMMON STOCK G5960L103 10 122 SH   SOLE   122 0 0
TILL CAPITAL LTD COMMON STOCK G8875E107 0 1 SH   OTR 2 0 1 0
TRANSOCEAN LTD COMMON STOCK H8817H100 12 1,000 SH   OTR 2 0 1,000 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 15 150 SH   OTR 2 0 150 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 1,838 17,903 SH   DFND 2 17,903 0 0
CHECK POINT SOFTWARE TECH LTD COMMON STOCK M22465104 180 1,751 SH   SOLE   1,751 0 0
SODASTREAM INTERNATIONAL LTD COMMON STOCK M9068E105 10 200 SH   DFND 2 200 0 0
MYLAN NV COMMON STOCK N59465109 4 100 SH   DFND 2 100 0 0