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  <titleOfClass>COM</titleOfClass>
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  <nameOfIssuer>ALLIANCEBERNSTEIN HOLDING L.P.</nameOfIssuer>
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  <nameOfIssuer>ALPHABET INC CL C</nameOfIssuer>
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  <nameOfIssuer>AMPHENOL CORP COM CL A</nameOfIssuer>
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  <nameOfIssuer>ARBOR REALTY TRUST</nameOfIssuer>
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  <nameOfIssuer>B2GOLD CORP</nameOfIssuer>
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  <nameOfIssuer>BANK OF AMERICA CORPORATION</nameOfIssuer>
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  <nameOfIssuer>BERKSHIRE HATHAWAY INC-CL B</nameOfIssuer>
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  <nameOfIssuer>BERRY PLASTICS GROUP</nameOfIssuer>
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  <nameOfIssuer>BEST BUY CO INC</nameOfIssuer>
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  <nameOfIssuer>BLACKSTONE GROUP LP</nameOfIssuer>
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  <nameOfIssuer>BOEING COMPANY</nameOfIssuer>
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  <nameOfIssuer>BOOZ ALLEN HAMILTON HOLDINGS</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>099502106</cusip>
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  <nameOfIssuer>BROADCOM INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
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  <nameOfIssuer>C. H. ROBINSON WORLDWIDE INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>12541W209</cusip>
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    <Sole>19978</Sole>
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  <nameOfIssuer>CADENCE DESIGN SYSTEMS INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>127387108</cusip>
  <value>1022</value>
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  <nameOfIssuer>CAMPBELL SOUP COMPANY</nameOfIssuer>
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<infoTable>
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<infoTable>
  <nameOfIssuer>CBL &amp; ASSOCIATES PROPERTIES</nameOfIssuer>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
  <nameOfIssuer>CHARLES RIVER LABORATORIES</nameOfIssuer>
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<infoTable>
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<infoTable>
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  <nameOfIssuer>CHERRY HILL MORTGAGE INVESTMEN</nameOfIssuer>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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  <nameOfIssuer>COMCAST CORP CL A</nameOfIssuer>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
  <nameOfIssuer>DELL TECHNOLOGIES INC C</nameOfIssuer>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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  <titleOfClass>COM</titleOfClass>
  <cusip>G29183103</cusip>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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<infoTable>
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    <Sole>101782</Sole>
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    <None>8500</None>
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<infoTable>
  <nameOfIssuer>ENERGY SELECT SECTOR SPDR FUND</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>81369Y506</cusip>
  <value>1966</value>
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    <Sole>34283</Sole>
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    <None>0</None>
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<infoTable>
  <nameOfIssuer>ENERGY TRANSFER EQUITY LP</nameOfIssuer>
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  <cusip>29273V100</cusip>
  <value>740</value>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>56024</Sole>
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    <None>0</None>
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<infoTable>
  <nameOfIssuer>EQUINIX INC</nameOfIssuer>
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    <Sole>1827</Sole>
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    <None>0</None>
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<infoTable>
  <nameOfIssuer>ESTEE LAUDER COMPANIES CL A</nameOfIssuer>
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    <Sole>42420</Sole>
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    <None>675</None>
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<infoTable>
  <nameOfIssuer>EXELIXIS INC</nameOfIssuer>
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  <value>1441</value>
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    <sshPrnamt>73279</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>73279</Sole>
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    <None>0</None>
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<infoTable>
  <nameOfIssuer>EXELON CORP</nameOfIssuer>
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  <value>6999</value>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>143850</Sole>
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    <None>11340</None>
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<infoTable>
  <nameOfIssuer>EXXON MOBIL CORPORATION</nameOfIssuer>
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    <sshPrnamt>285901</sshPrnamt>
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  <votingAuthority>
    <Sole>267951</Sole>
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<infoTable>
  <nameOfIssuer>FACEBOOK INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>30303M102</cusip>
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    <sshPrnamt>62235</sshPrnamt>
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  <votingAuthority>
    <Sole>62060</Sole>
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    <None>175</None>
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<infoTable>
  <nameOfIssuer>FEDEX CORPORATION</nameOfIssuer>
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    <sshPrnamt>53621</sshPrnamt>
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  <votingAuthority>
    <Sole>53246</Sole>
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    <None>375</None>
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<infoTable>
  <nameOfIssuer>FINANCIAL SELECT SECTOR SPDR</nameOfIssuer>
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  <cusip>81369Y605</cusip>
  <value>1352</value>
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    <sshPrnamt>56760</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>56760</Sole>
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    <None>0</None>
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<infoTable>
  <nameOfIssuer>FIRST DATA CORP</nameOfIssuer>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>34936</Sole>
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<infoTable>
  <nameOfIssuer>FIRST HORIZON NATIONAL CORPORA</nameOfIssuer>
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  <votingAuthority>
    <Sole>48950</Sole>
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<infoTable>
  <nameOfIssuer>FORD MOTOR COMPANY</nameOfIssuer>
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    <sshPrnamt>269717</sshPrnamt>
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    <Sole>255062</Sole>
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    <None>14655</None>
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<infoTable>
  <nameOfIssuer>FRANCO-NEVADA CORPORATION</nameOfIssuer>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>3000</Sole>
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    <None>0</None>
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<infoTable>
  <nameOfIssuer>FREEPORT McMORAN COPPER &amp; GOLD</nameOfIssuer>
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    <Sole>159484</Sole>
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<infoTable>
  <nameOfIssuer>GARDNER DENVER HOLDINGS INC</nameOfIssuer>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>38910</Sole>
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    <None>0</None>
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<infoTable>
  <nameOfIssuer>GENERAL ELECTRIC COMPANY</nameOfIssuer>
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  <cusip>369604103</cusip>
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    <sshPrnamt>475384</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>445246</Sole>
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    <None>30138</None>
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<infoTable>
  <nameOfIssuer>GENERAL MOTORS CO</nameOfIssuer>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>97357</Sole>
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    <None>7810</None>
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<infoTable>
  <nameOfIssuer>GENTEX CORP</nameOfIssuer>
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  <shrsOrPrnAmt>
    <sshPrnamt>96720</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>89195</Sole>
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    <None>7525</None>
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<infoTable>
  <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
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  <shrsOrPrnAmt>
    <sshPrnamt>35317</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>35052</Sole>
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<infoTable>
  <nameOfIssuer>GLOBAL PAYMENTS INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>37940X102</cusip>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>11051</Sole>
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<infoTable>
  <nameOfIssuer>GOLDMAN SACHS GROUP</nameOfIssuer>
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  <cusip>38141G104</cusip>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>40709</Sole>
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<infoTable>
  <nameOfIssuer>GRAPHIC PACKAGING HOLDING CO</nameOfIssuer>
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  <cusip>388689101</cusip>
  <value>3115</value>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>272394</Sole>
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    <None>20360</None>
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<infoTable>
  <nameOfIssuer>HALLIBURTON COMPANY</nameOfIssuer>
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    <sshPrnamt>33467</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>33467</Sole>
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    <None>0</None>
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<infoTable>
  <nameOfIssuer>HANESBRANDS INC</nameOfIssuer>
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  <value>758</value>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>60487</Sole>
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    <None>0</None>
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<infoTable>
  <nameOfIssuer>HCA HEALTHCARE INC</nameOfIssuer>
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    <sshPrnamt>43445</sshPrnamt>
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<infoTable>
  <nameOfIssuer>HD SUPPLY HOLDINGS INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>40416M105</cusip>
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    <sshPrnamt>32175</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>32175</Sole>
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<infoTable>
  <nameOfIssuer>HELMERICH &amp; PAYNE</nameOfIssuer>
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    <Sole>81050</Sole>
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</infoTable>
<infoTable>
  <nameOfIssuer>HERBALIFE NUTRITION LTD</nameOfIssuer>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>17355</Sole>
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    <None>0</None>
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<infoTable>
  <nameOfIssuer>HEWLETT PACKARD ENTERPRISE CO</nameOfIssuer>
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  <cusip>42824C109</cusip>
  <value>4005</value>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>280615</Sole>
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    <None>22590</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>HILL-ROM HOLDINGS INC</nameOfIssuer>
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  <cusip>431475102</cusip>
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    <sshPrnamt>14819</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>14819</Sole>
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    <None>0</None>
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<infoTable>
  <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
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    <sshPrnamt>26292</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>26292</Sole>
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    <None>0</None>
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<infoTable>
  <nameOfIssuer>HONEYWELL INTERNATIONAL INC</nameOfIssuer>
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  <cusip>438516106</cusip>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>10033</Sole>
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<infoTable>
  <nameOfIssuer>HOSPITALITY PROPERTIES TRUST</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>44106M102</cusip>
  <value>3958</value>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <None>13900</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>HUMANA INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>444859102</cusip>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>14767</Sole>
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<infoTable>
  <nameOfIssuer>HUNTINGTON BANCSHARES INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>446150104</cusip>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>22560</Sole>
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<infoTable>
  <nameOfIssuer>IAC/INTERACTIVECORP</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>44919P508</cusip>
  <value>1447</value>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>7906</Sole>
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<infoTable>
  <nameOfIssuer>IDEXX LABORATORIES INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>45168D104</cusip>
  <value>253</value>
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    <sshPrnamt>1360</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>1360</Sole>
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<infoTable>
  <nameOfIssuer>INGREDION INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>457187102</cusip>
  <value>3935</value>
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    <sshPrnamt>43050</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>39935</Sole>
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<infoTable>
  <nameOfIssuer>INTEL CORPORATION</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>458140100</cusip>
  <value>10567</value>
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    <None>0</None>
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<infoTable>
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    <sshPrnamt>35089</sshPrnamt>
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    <Sole>32409</Sole>
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    <None>2680</None>
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<infoTable>
  <nameOfIssuer>NORTHERN TRUST CORP</nameOfIssuer>
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    <sshPrnamt>12932</sshPrnamt>
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  <votingAuthority>
    <Sole>12932</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>NUCOR CORP</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
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    <sshPrnamt>78650</sshPrnamt>
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    <Sole>72450</Sole>
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    <None>6200</None>
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<infoTable>
  <nameOfIssuer>NVIDIA CORP</nameOfIssuer>
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    <sshPrnamt>8056</sshPrnamt>
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    <Sole>8056</Sole>
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    <None>0</None>
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<infoTable>
  <nameOfIssuer>OCCIDENTAL PETROLEUM CORP</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
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    <sshPrnamt>36691</sshPrnamt>
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  <votingAuthority>
    <Sole>34041</Sole>
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    <None>2650</None>
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<infoTable>
  <nameOfIssuer>OMEGA HEALTHCARE INVESTORS INC</nameOfIssuer>
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  <value>2793</value>
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    <sshPrnamt>79468</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>74148</Sole>
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    <None>5320</None>
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<infoTable>
  <nameOfIssuer>OMNICOM GROUP</nameOfIssuer>
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    <sshPrnamt>19780</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>19780</Sole>
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    <None>0</None>
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<infoTable>
  <nameOfIssuer>ONEMAIN HOLDINGS</nameOfIssuer>
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  <cusip>68268W103</cusip>
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    <sshPrnamt>42566</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>42566</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ORACLE CORPORATION</nameOfIssuer>
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  <cusip>68389X105</cusip>
  <value>2621</value>
  <shrsOrPrnAmt>
    <sshPrnamt>58042</sshPrnamt>
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  <votingAuthority>
    <Sole>54122</Sole>
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    <None>3920</None>
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<infoTable>
  <nameOfIssuer>OSHKOSH CORPORATION</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>688239201</cusip>
  <value>4090</value>
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    <sshPrnamt>66705</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>61845</Sole>
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    <None>4860</None>
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<infoTable>
  <nameOfIssuer>PAYPAL HOLDINGS INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>70450Y103</cusip>
  <value>8348</value>
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    <sshPrnamt>99272</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>99272</Sole>
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    <None>0</None>
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<infoTable>
  <nameOfIssuer>PEPSICO INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>713448108</cusip>
  <value>15971</value>
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    <sshPrnamt>144563</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>132699</Sole>
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    <None>11864</None>
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<infoTable>
  <nameOfIssuer>PFIZER INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>717081103</cusip>
  <value>16130</value>
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    <sshPrnamt>369524</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>345439</Sole>
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    <None>24085</None>
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<infoTable>
  <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
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  <value>3109</value>
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    <sshPrnamt>36094</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>33494</Sole>
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    <None>2600</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>POST HOLDINGS INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>737446104</cusip>
  <value>977</value>
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    <sshPrnamt>10956</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>10956</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>PRA HEALTH SCIENCES INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>69354M108</cusip>
  <value>509</value>
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    <sshPrnamt>5536</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>5536</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>PREMIER INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>74051N102</cusip>
  <value>4164</value>
  <shrsOrPrnAmt>
    <sshPrnamt>111481</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>102981</Sole>
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    <None>8500</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>PROCTER &amp; GAMBLE COMPANY</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>742718109</cusip>
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    <sshPrnamt>160188</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>151898</Sole>
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    <None>8290</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>PROLOGIS</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>74340W103</cusip>
  <value>4612</value>
  <shrsOrPrnAmt>
    <sshPrnamt>78545</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>72945</Sole>
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    <None>5600</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>PRUDENTIAL FINANCIAL INC</nameOfIssuer>
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  <cusip>744320102</cusip>
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    <sshPrnamt>42445</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>39255</Sole>
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    <None>3190</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>PULTE CORP</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>745867101</cusip>
  <value>4332</value>
  <shrsOrPrnAmt>
    <sshPrnamt>166668</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>153818</Sole>
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    <None>12850</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
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  <cusip>747525103</cusip>
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    <sshPrnamt>53274</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>53149</Sole>
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    <None>125</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>RED HAT INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
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    <sshPrnamt>2500</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>2500</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>REGIONS FINANCIAL CORP</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>7591EP100</cusip>
  <value>5424</value>
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    <sshPrnamt>405360</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>379530</Sole>
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    <None>25830</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>RENASANT CORP</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>75970E107</cusip>
  <value>221</value>
  <shrsOrPrnAmt>
    <sshPrnamt>7337</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>7337</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>RESONANT INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>76118L102</cusip>
  <value>14</value>
  <shrsOrPrnAmt>
    <sshPrnamt>10439</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>10439</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
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  <value>296</value>
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    <sshPrnamt>1742</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>142</Sole>
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    <None>1600</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>SALESFORCE.COM INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>79466L302</cusip>
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    <sshPrnamt>15557</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>15557</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>806857108</cusip>
  <value>5110</value>
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    <sshPrnamt>141621</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>133521</Sole>
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    <None>8100</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>SERVICEMASTER GLOBAL HOLDINGS </nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>81761R109</cusip>
  <value>884</value>
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    <sshPrnamt>24067</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>24067</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>SIMON PROPERTY GROUP INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>828806109</cusip>
  <value>705</value>
  <shrsOrPrnAmt>
    <sshPrnamt>4198</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>4198</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>SKECHERS U.S.A. INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>830566105</cusip>
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    <sshPrnamt>42202</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>42202</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>855244109</cusip>
  <value>1859</value>
  <shrsOrPrnAmt>
    <sshPrnamt>28869</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>28869</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>STATE STREET CORPORATION</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>857477103</cusip>
  <value>221</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3500</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>3500</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>SUNTRUST BANKS INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>867914103</cusip>
  <value>2223</value>
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    <sshPrnamt>44082</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>41067</Sole>
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    <None>3015</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>SYNCHRONY FINANCIAL</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>87165B103</cusip>
  <value>7471</value>
  <shrsOrPrnAmt>
    <sshPrnamt>318454</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>304412</Sole>
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    <None>14042</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>SYSCO CORP</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>871829107</cusip>
  <value>752</value>
  <shrsOrPrnAmt>
    <sshPrnamt>12000</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>0</Sole>
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    <None>12000</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>TARGET CORP</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>87612E106</cusip>
  <value>3701</value>
  <shrsOrPrnAmt>
    <sshPrnamt>56005</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>51805</Sole>
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    <None>4200</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>TEXAS INSTRUMENTS INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>882508104</cusip>
  <value>1538</value>
  <shrsOrPrnAmt>
    <sshPrnamt>16276</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>15276</Sole>
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    <None>1000</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>883556102</cusip>
  <value>8353</value>
  <shrsOrPrnAmt>
    <sshPrnamt>37324</sshPrnamt>
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<infoTable>
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<infoTable>
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    <Sole>32246</Sole>
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    <Sole>88930</Sole>
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  <nameOfIssuer>VOYA FINANCIAL INC</nameOfIssuer>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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  <cusip>45857P707</cusip>
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  <votingAuthority>
    <Sole>41070</Sole>
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    <None>1447</None>
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<infoTable>
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  <cusip>G491BT108</cusip>
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  <votingAuthority>
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    <None>1085</None>
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<infoTable>
  <nameOfIssuer>iSHARES MSCI EMERGING MKT IN</nameOfIssuer>
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  <cusip>464287234</cusip>
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  <votingAuthority>
    <Sole>26355</Sole>
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    <None>940</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>KONINKLIJKE PHILIPS NV</nameOfIssuer>
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    <sshPrnamt>97725</sshPrnamt>
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  <votingAuthority>
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    <None>3350</None>
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<infoTable>
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  <cusip>294821608</cusip>
  <value>180</value>
  <shrsOrPrnAmt>
    <sshPrnamt>20280</sshPrnamt>
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  <votingAuthority>
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    <None>1150</None>
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<infoTable>
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    <sshPrnamt>29495</sshPrnamt>
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<infoTable>
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  <shrsOrPrnAmt>
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  <votingAuthority>
    <Sole>13801</Sole>
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    <None>512</None>
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<infoTable>
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  <cusip>65249B208</cusip>
  <value>414</value>
  <shrsOrPrnAmt>
    <sshPrnamt>35854</sshPrnamt>
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  <votingAuthority>
    <Sole>33769</Sole>
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    <None>2085</None>
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<infoTable>
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  <cusip>71654V408</cusip>
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  <shrsOrPrnAmt>
    <sshPrnamt>68262</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>65682</Sole>
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    <None>2580</None>
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</infoTable>
<infoTable>
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  <cusip>74435K204</cusip>
  <value>940</value>
  <shrsOrPrnAmt>
    <sshPrnamt>26579</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>25574</Sole>
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    <None>1005</None>
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<infoTable>
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  <cusip>V7780T103</cusip>
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    <sshPrnamt>15675</sshPrnamt>
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  <votingAuthority>
    <Sole>15275</Sole>
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    <None>400</None>
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<infoTable>
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  <cusip>780259107</cusip>
  <value>1616</value>
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    <sshPrnamt>26960</sshPrnamt>
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  <votingAuthority>
    <Sole>25920</Sole>
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    <None>1040</None>
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<infoTable>
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  <cusip>803054204</cusip>
  <value>3619</value>
  <shrsOrPrnAmt>
    <sshPrnamt>36357</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>35557</Sole>
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    <None>800</None>
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</infoTable>
<infoTable>
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  <value>739</value>
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    <None>615</None>
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<infoTable>
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  <titleOfClass>ADR</titleOfClass>
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    <sshPrnamt>23379</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>22774</Sole>
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    <None>605</None>
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<infoTable>
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  <cusip>835699307</cusip>
  <value>4555</value>
  <shrsOrPrnAmt>
    <sshPrnamt>94355</sshPrnamt>
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    <Sole>90355</Sole>
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    <None>4000</None>
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<infoTable>
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  <cusip>861012102</cusip>
  <value>2126</value>
  <shrsOrPrnAmt>
    <sshPrnamt>153187</sshPrnamt>
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  <votingAuthority>
    <Sole>146627</Sole>
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    <None>6560</None>
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<infoTable>
  <nameOfIssuer>TENARIS SA-ADR</nameOfIssuer>
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  <cusip>88031M109</cusip>
  <value>1205</value>
  <shrsOrPrnAmt>
    <sshPrnamt>56514</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>54379</Sole>
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    <None>2135</None>
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<infoTable>
  <nameOfIssuer>THE TORONTO-DOMINION BANK</nameOfIssuer>
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  <cusip>891160509</cusip>
  <value>761</value>
  <shrsOrPrnAmt>
    <sshPrnamt>15300</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>14750</Sole>
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    <None>550</None>
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<infoTable>
  <nameOfIssuer>UBS GROUP AG</nameOfIssuer>
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  <cusip>H42097107</cusip>
  <value>1440</value>
  <shrsOrPrnAmt>
    <sshPrnamt>116311</sshPrnamt>
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    <Sole>111556</Sole>
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    <None>4755</None>
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<infoTable>
  <nameOfIssuer>UNILEVER NV</nameOfIssuer>
  <titleOfClass>ADR</titleOfClass>
  <cusip>904784709</cusip>
  <value>2258</value>
  <shrsOrPrnAmt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>40387</Sole>
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    <None>1590</None>
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</infoTable>
<infoTable>
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  <shrsOrPrnAmt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>33869</Sole>
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    <None>1489</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ALERIAN MLP ETF</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>00162Q866</cusip>
  <value>1058</value>
  <shrsOrPrnAmt>
    <sshPrnamt>121187</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>121187</Sole>
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    <None>0</None>
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<infoTable>
  <nameOfIssuer>COHEN &amp; STEERS REALTY MAJORS I</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>464287564</cusip>
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  <shrsOrPrnAmt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>7985</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>CORE S&amp;P 500</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>464287200</cusip>
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  <shrsOrPrnAmt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>71822</Sole>
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    <None>50573</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>CORE S&amp;P MIDCAP</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>464287507</cusip>
  <value>700</value>
  <shrsOrPrnAmt>
    <sshPrnamt>4216</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>4216</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>CORE S&amp;P SMALLCAP 600 INDEX</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>464287804</cusip>
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  <shrsOrPrnAmt>
    <sshPrnamt>9201</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>9201</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>iSHARES CORE MSCI EAFE ETF</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>46432F842</cusip>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>342918</Sole>
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    <None>70185</None>
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</infoTable>
<infoTable>
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  <titleOfClass>COM</titleOfClass>
  <cusip>46434G103</cusip>
  <value>2419</value>
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    <sshPrnamt>51303</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>17327</Sole>
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    <None>33976</None>
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</infoTable>
<infoTable>
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  <titleOfClass>COM</titleOfClass>
  <cusip>464287168</cusip>
  <value>6256</value>
  <shrsOrPrnAmt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>66954</Sole>
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    <None>3097</None>
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</infoTable>
<infoTable>
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  <titleOfClass>COM</titleOfClass>
  <cusip>464288448</cusip>
  <value>283</value>
  <shrsOrPrnAmt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>3645</Sole>
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    <None>6206</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>iSHARES EDGE MSCI EMERGING MKT</nameOfIssuer>
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  <cusip>464286533</cusip>
  <value>1197</value>
  <shrsOrPrnAmt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>21421</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>iSHARES MSCI ACWI INDEX FUND</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>464288257</cusip>
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  <shrsOrPrnAmt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>21109</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>iSHARES MSCI EAFE GROWTH INDEX</nameOfIssuer>
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  <cusip>464288885</cusip>
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  <shrsOrPrnAmt>
    <sshPrnamt>6051</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>6051</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>iSHARES MSCI PACIFIC EX JAPAN</nameOfIssuer>
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  <cusip>464286665</cusip>
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    <None>8364</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>iSHARES RUSSELL 1000 ETG</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>464287622</cusip>
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  <shrsOrPrnAmt>
    <sshPrnamt>2300</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>2300</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>iSHARES RUSSELL 2000 INDEX FUN</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>464287655</cusip>
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  <shrsOrPrnAmt>
    <sshPrnamt>8998</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>iSHARES RUSSELL 2000 INDEX FUN</nameOfIssuer>
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  <cusip>464287655</cusip>
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  <shrsOrPrnAmt>
    <sshPrnamt>557</sshPrnamt>
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  <investmentDiscretion>OTR</investmentDiscretion>
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    <Sole>557</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>iSHARES RUSSELL 3000 VALUE</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>464287663</cusip>
  <value>1786</value>
  <shrsOrPrnAmt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>iSHARES S&amp;P 100 INDEX FUND</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>464287101</cusip>
  <value>3461</value>
  <shrsOrPrnAmt>
    <sshPrnamt>31034</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>31034</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>iSHARES S&amp;P MIDCAP GROWTH INDE</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>464287606</cusip>
  <value>229</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1196</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>1196</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>iSHARES SILVER TRUST</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>46428Q109</cusip>
  <value>569</value>
  <shrsOrPrnAmt>
    <sshPrnamt>39154</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>10617</Sole>
    <Shared>0</Shared>
    <None>28537</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>MIDCAP SPDR TRUST SER 1</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>78467Y107</cusip>
  <value>1045</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3452</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>3452</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>MSCI EAFE INDEX</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>464287465</cusip>
  <value>2779</value>
  <shrsOrPrnAmt>
    <sshPrnamt>47284</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>47284</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>MSCI EMERGING MARKETS INDEX</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>464287234</cusip>
  <value>417</value>
  <shrsOrPrnAmt>
    <sshPrnamt>10665</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>10665</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>RUSSELL 1000 GROWTH INDEX</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>464287614</cusip>
  <value>8710</value>
  <shrsOrPrnAmt>
    <sshPrnamt>66538</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>66538</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>RUSSELL 1000 VALUE INDEX</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>464287598</cusip>
  <value>5340</value>
  <shrsOrPrnAmt>
    <sshPrnamt>48086</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>48086</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>RUSSELL 2000 GROWTH INDEX</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>464287648</cusip>
  <value>1300</value>
  <shrsOrPrnAmt>
    <sshPrnamt>7737</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>7737</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>RUSSELL 2000 VALUE INDEX</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>464287630</cusip>
  <value>796</value>
  <shrsOrPrnAmt>
    <sshPrnamt>7402</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>7402</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>RUSSELL MIDCAP GROWTH INDEX</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>464287481</cusip>
  <value>1595</value>
  <shrsOrPrnAmt>
    <sshPrnamt>14026</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>14026</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>RUSSELL MIDCAP INDEX</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>464287499</cusip>
  <value>1621</value>
  <shrsOrPrnAmt>
    <sshPrnamt>34882</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>34882</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>RUSSELL MIDCAP INDEX</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>464287499</cusip>
  <value>76</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1632</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>OTR</investmentDiscretion>
  <votingAuthority>
    <Sole>1632</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>RUSSELL MIDCAP VALUE INDEX</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>464287473</cusip>
  <value>1201</value>
  <shrsOrPrnAmt>
    <sshPrnamt>15735</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>15735</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>S&amp;P 500 DEPOSITARY RECEIPTS</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>78462F103</cusip>
  <value>1409</value>
  <shrsOrPrnAmt>
    <sshPrnamt>5638</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>5638</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>SCHWAB US BROAD MARKET ETF</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>808524102</cusip>
  <value>2036</value>
  <shrsOrPrnAmt>
    <sshPrnamt>33970</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>33970</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>THE iSHARES CORE MSCI EUROPE E</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>46434V738</cusip>
  <value>343</value>
  <shrsOrPrnAmt>
    <sshPrnamt>8307</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>8307</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD DIVIDEND APP INDEX FU</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>921908844</cusip>
  <value>1711</value>
  <shrsOrPrnAmt>
    <sshPrnamt>17467</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>17467</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD EMERGING MARKETS ETF</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>922042858</cusip>
  <value>760</value>
  <shrsOrPrnAmt>
    <sshPrnamt>19944</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>19944</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD FTSE ALL WORLD US SMA</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>922042718</cusip>
  <value>422</value>
  <shrsOrPrnAmt>
    <sshPrnamt>4458</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>4458</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD FTSE DEVELOPED MARKET</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>921943858</cusip>
  <value>2068</value>
  <shrsOrPrnAmt>
    <sshPrnamt>55738</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>55738</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD GROWTH ETF</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>922908736</cusip>
  <value>1881</value>
  <shrsOrPrnAmt>
    <sshPrnamt>14000</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>14000</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD HEALTH CARE</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>92204A504</cusip>
  <value>322</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2006</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>2006</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD MID CAP GROWTH INDEX</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>922908538</cusip>
  <value>5970</value>
  <shrsOrPrnAmt>
    <sshPrnamt>49876</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>34427</Sole>
    <Shared>0</Shared>
    <None>15449</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD MID CAP VALUE INDEX F</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>922908512</cusip>
  <value>5167</value>
  <shrsOrPrnAmt>
    <sshPrnamt>54246</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>28208</Sole>
    <Shared>0</Shared>
    <None>26038</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD MSCI EUROPEAN ETF</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>922042874</cusip>
  <value>614</value>
  <shrsOrPrnAmt>
    <sshPrnamt>12623</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>12623</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD REAL ESTATE ETF</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>922908553</cusip>
  <value>1574</value>
  <shrsOrPrnAmt>
    <sshPrnamt>21105</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>17000</Sole>
    <Shared>0</Shared>
    <None>4105</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD SMALL CAP GROWTH ETF</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>922908595</cusip>
  <value>4848</value>
  <shrsOrPrnAmt>
    <sshPrnamt>32191</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>24518</Sole>
    <Shared>0</Shared>
    <None>7673</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD SMALL CAP VALUE</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>922908611</cusip>
  <value>6189</value>
  <shrsOrPrnAmt>
    <sshPrnamt>54257</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>36880</Sole>
    <Shared>0</Shared>
    <None>17377</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD US TOTAL EQUITY MARKE</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>922908769</cusip>
  <value>5801</value>
  <shrsOrPrnAmt>
    <sshPrnamt>45454</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>45454</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
</informationTable>
