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
ISHARES LONG TERM CORP BOND ETF 10+ YR CR BD ETF 464289511 281 4,210 SH   DFND   4,210 0 0
ISHARES SHORT-TERM CORPORATE BOND ETF 1-3 YR CR BD ETF 464288646 47,042 876,513 SH   DFND   857,509 958 18,046
ISHARES BARCLAYS 7-10 YEAR TREASURY BOND FUND 7-10 Y TR BD ETF 464287440 14,146 125,773 SH   DFND   123,517 123 2,133
NOVO-NORDISK A/S SPONS ADR ADR 670100205 585 11,309 SH   DFND   11,309 0 0
JP MORGAN ALERIAN MLP INDEX ALERIAN ML ETN 46625H365 401 17,250 SH   DFND   17,250 0 0
ALPHABET INC - CL A CAP STK CL A 02079K305 1,813 1,485 SH   DFND   1,485 0 0
ALPHABET INC CL C CAP STK CL C 02079K107 2,642 2,167 SH   DFND   2,167 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 4,677 15 SH   DFND   15 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 12,161 39 SH   DFND   39 0 0
CONSTELLATION BRANDS COM CL A 21036P108 293 1,415 SH   DFND   1,415 0 0
MARRIOTT INTL INC NEW CL A CL A 571903202 296 2,383 SH   DFND   2,383 0 0
LITHIA MOTORS INC CL A CL A 536797103 330 2,490 SH   DFND   2,490 0 0
TWILIO INC - A CL A 90138F102 333 3,025 SH   DFND   3,025 0 0
ESTEE LAUDER COS INC CL A CL A 518439104 660 3,317 SH   DFND   3,317 0 0
ZOETIS INC. CL A 98978V103 436 3,499 SH   DFND   3,499 0 0
MSC INDUSTRIAL DIRECT CO - A CL A 553530106 389 5,365 SH   DFND   5,365 0 0
FACEBOOK INC CL A 30303M102 1,703 9,562 SH   DFND   9,562 0 0
MONDELEZ INTERNATIONAL INC CL A CL A 609207105 731 13,207 SH   DFND   13,207 0 0
COMCAST CORP NEW COM CL A CL A 20030N101 143,237 3,177,387 SH   DFND   2,638,178 845 538,364
CBS CORP CL B CL B 124857202 282 6,990 SH   DFND   6,990 0 0
BROWN-FORMAN CORP CL B 115637209 555 8,836 SH   DFND   8,836 0 0
NIKE INC CL B CL B 654106103 2,197 23,395 SH   DFND   19,395 0 4,000
UNITED PARCEL SVC INC CL B CL B 911312106 46,312 386,514 SH   DFND   382,734 0 3,780
FOX CORP - CL B CL B COM 35137L204 413 13,096 SH   DFND   13,096 0 0
BERKSHIRE HATHAWAY INC DEL CL B CL B NEW 084670702 4,338 20,854 SH   DFND   19,754 0 1,100
MASTERCARD CLA 57636Q104 164,646 606,276 SH   DFND   502,831 145 103,300
INTUIT INC COM 461202103 231 869 SH   DFND   869 0 0
ADOBE SYSTEMS COM 00724F101 254 921 SH   DFND   921 0 0
GOLDMAN SACHS GROUP INC COM COM 38141G104 226 1,089 SH   DFND   1,089 0 0
ECOLAB INC COM 278865100 217 1,095 SH   DFND   1,095 0 0
TRANSDIGM GROUP, INC. COM 893641100 677 1,300 SH   DFND   1,300 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 280 1,340 SH   DFND   1,340 0 0
GENERAL DYNAMICS CORP COM 369550108 261 1,430 SH   DFND   1,430 0 0
ANTHEM INC COM 036752103 423 1,763 SH   DFND   1,763 0 0
HUBBELL INC COM 443510607 257 1,958 SH   DFND   1,958 0 0
DIGITAL REALTY TRUST COM 253868103 261 2,012 SH   DFND   2,012 0 0
NETFLIX INC COM 64110L106 543 2,030 SH   DFND   2,030 0 0
AMAZON.COM INC COM 023135106 3,585 2,065 SH   DFND   2,057 0 8
PPG INDS INC COM 693506107 270 2,276 SH   DFND   2,276 0 0
LINDE PLC COM G5494J103 471 2,432 SH   DFND   2,432 0 0
ZIMMER HLDGS INC COM COM 98956P102 336 2,450 SH   DFND   2,450 0 0
DARDEN RESTAURANTS COM 237194105 303 2,561 SH   DFND   2,561 0 0
CUMMINS INC COM 231021106 439 2,696 SH   DFND   2,696 0 0
XYLEM INC COM 98419M100 223 2,799 SH   DFND   2,799 0 0
AMETEK INC COM 031100100 280 3,048 SH   DFND   3,048 0 0
ONEOK INC COM 682680103 229 3,110 SH   DFND   3,110 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 934 3,208 SH   DFND   3,208 0 0
THE HERSHEY COMPANY COM 427866108 512 3,304 SH   DFND   3,304 0 0
DOVER CORP COM 260003108 335 3,365 SH   DFND   3,365 0 0
STANLEY BLACK AND DECKER COM 854502101 493 3,415 SH   DFND   3,415 0 0
CLOROX CO COM 189054109 525 3,455 SH   DFND   3,455 0 0
DEERE & CO. COM 244199105 603 3,574 SH   DFND   3,574 0 0
CANADIAN PACIFIC RAILWAY LTD COM 13645T100 840 3,774 SH   DFND   3,774 0 0
ALLSTATE CORP COM 020002101 416 3,831 SH   DFND   3,831 0 0
COMMUNITY BANK SYSTEM INC COM 203607106 264 4,279 SH   DFND   4,279 0 0
PAYCHEX INC COM 704326107 356 4,302 SH   DFND   4,302 0 0
TD AMERITRADE HOLDINGS COM 87236Y108 201 4,310 SH   DFND   4,310 0 0
COSTCO WHSL CORP NEW COM COM 22160K105 1,377 4,778 SH   DFND   4,636 0 142
LILLY, ELI & COMPANY COM 532457108 545 4,870 SH   DFND   4,870 0 0
UGI CORP NEW COM 902681105 249 4,950 SH   DFND   4,950 0 0
MARATHON PETROLEUM CORP COM 56585A102 304 4,998 SH   DFND   4,998 0 0
SHERWIN WILLIAMS CO COM 824348106 2,916 5,303 SH   DFND   5,232 0 71
VENTAS INC COM 92276F100 390 5,338 SH   DFND   5,338 0 0
ROSS STORES INC COM 778296103 592 5,385 SH   DFND   5,385 0 0
CELGENE CORP COM 151020104 539 5,432 SH   DFND   5,432 0 0
CATERPILLAR INC COM 149123101 722 5,717 SH   DFND   5,467 0 250
NORTHROP GRUMMAN CORP COM 666807102 2,167 5,782 SH   DFND   5,782 0 0
TRAVELERS COMPANIES INC COM 89417E109 866 5,826 SH   DFND   2,983 0 2,843
CANADIAN NATL RAILWAY CO COM 136375102 540 6,010 SH   DFND   6,010 0 0
CAMPBELL SOUP CO COM 134429109 295 6,290 SH   DFND   2,665 0 3,625
HANOVER FOODS CORP - CL A COM 41078W100 551 7,333 SH   DFND   7,333 0 0
V F CORPORATION COM 918204108 664 7,465 SH   DFND   7,465 0 0
BOEING CO COM 097023105 2,909 7,645 SH   DFND   7,567 0 78
ENBRIDGE INC. COM 29250N105 274 7,807 SH   DFND   7,807 0 0
SEI INVESTMENTS CO COM 784117103 474 8,000 SH   DFND   8,000 0 0
EXELON CORP COM 30161N101 387 8,017 SH   DFND   8,017 0 0
FASTENAL COMPANY COM 311900104 278 8,510 SH   DFND   8,510 0 0
SOUTHERN CO COM 842587107 544 8,812 SH   DFND   8,812 0 0
INTERACTIVE BROKERS GROUP COM 45841N107 475 8,835 SH   DFND   8,835 0 0
M & T BK CORP COM 55261F104 1,557 9,859 SH   DFND   9,859 0 0
SOUTHERN NATIONAL BANCORP OF VIRG. INC. COM 843395104 154 10,000 SH   DFND   10,000 0 0
WALGREENS BOOTS ALLIANCE, INC COM 931427108 561 10,147 SH   DFND   10,147 0 0
VERSUM MATERIALS INC COM 92532W103 548 10,348 SH   DFND   10,348 0 0
TEXAS INSTRUMENTS INC COM 882508104 1,380 10,678 SH   DFND   10,678 0 0
PUBLIC SVC ENTERPRISES COM 744573106 673 10,847 SH   DFND   10,847 0 0
FIDELITY NATIONAL INFO SVCS COM 31620M106 1,472 11,086 SH   DFND   11,086 0 0
CITIZENS FINANCIAL COM 174610105 404 11,429 SH   DFND   11,429 0 0
SYSCO CORP COM 871829107 929 11,696 SH   DFND   11,696 0 0
STRYKER CORP COM 863667101 2,538 11,734 SH   DFND   11,734 0 0
QUALCOMM INC COM 747525103 907 11,896 SH   DFND   11,896 0 0
PHILLIPS 66 COM 718546104 1,298 12,680 SH   DFND   12,680 0 0
DANAHER CORP COM 235851102 1,899 13,151 SH   DFND   13,151 0 0
SCHLUMBERGER COM 806857108 459 13,429 SH   DFND   13,429 0 0
CIGNA CORP COM 125523100 2,042 13,456 SH   DFND   13,456 0 0
SOUTHWEST AIRLS CO COM 844741108 775 14,355 SH   DFND   14,355 0 0
NEXTERA ENERGY INC COM 65339F101 3,457 14,838 SH   DFND   14,838 0 0
GENERAL MILLS INC COM 370334104 854 15,492 SH   DFND   12,592 0 2,900
CHUBB LTD COM H1467J104 2,528 15,659 SH   DFND   15,659 0 0
CHURCH & DWIGHT CO COM 171340102 1,274 16,934 SH   DFND   16,934 0 0
WASTE MGMT INC DEL COM 94106L109 1,968 17,114 SH   DFND   17,114 0 0
OCCIDENTAL PETE CORP COM 674599105 767 17,250 SH   DFND   17,250 0 0
DOMINION ENERGY INC COM 25746U109 1,403 17,312 SH   DFND   17,312 0 0
NORFOLK SOUTHERN CORP COM 655844108 3,119 17,360 SH   DFND   17,360 0 0
NESTLE S A SPON ADR REG COM 641069406 1,980 18,264 SH   DFND   18,264 0 0
PNC FINANCIAL CORP COM 693475105 2,585 18,445 SH   DFND   18,445 0 0
PPL CORP COM COM 69351T106 613 19,452 SH   DFND   19,452 0 0
HP INC. COM 40434L105 383 20,227 SH   DFND   20,227 0 0
WAL-MART STORES COM 931142103 2,408 20,294 SH   DFND   20,294 0 0
INTERNATIONAL BUSINESS MACHINES COM 459200101 3,062 21,054 SH   DFND   19,480 0 1,574
ILLINOIS TOOL WKS INC COM 452308109 3,371 21,544 SH   DFND   21,380 0 164
AFLAC COM 001055102 1,131 21,625 SH   DFND   21,625 0 0
GAP INC COM 364760108 403 23,234 SH   DFND   23,234 0 0
AQUA AMERICA INC COM 03836W103 1,043 23,260 SH   DFND   21,303 0 1,957
AMERICAN EXPRESS CO COM 025816109 2,814 23,794 SH   DFND   23,769 0 25
TARGET CORP COM 87612E106 2,574 24,074 SH   DFND   24,074 0 0
MIDDLESEX WTR CO COM 596680108 1,592 24,501 SH   DFND   24,501 0 0
CONSOLIDATED EDISON INC COM 209115104 2,486 26,314 SH   DFND   26,314 0 0
BANK OF AMERICA COM 060505104 780 26,736 SH   DFND   26,736 0 0
LOCKHEED MARTIN CORP COM 539830109 13,130 33,661 SH   DFND   33,361 0 300
SYNCHRONY FINAN COM 87165B103 1,265 37,115 SH   DFND   37,115 0 0
GENERAL ELECTRIC COM 369604103 349 39,018 SH   DFND   39,018 0 0
3M COMPANY COM 88579Y101 6,989 42,514 SH   DFND   31,214 0 11,300
CONOCOPHILLIPS COM 20825C104 2,552 44,783 SH   DFND   44,783 0 0
COLGATE-PALMOLIVE CO COM 194162103 3,502 47,640 SH   DFND   35,470 0 12,170
UNION PACIFIC CORP COM 907818108 9,339 57,653 SH   DFND   56,143 0 1,510
CHEMOURS COMPANY COM 163851108 954 63,861 SH   DFND   63,861 0 0
AMGEN INC COM 031162100 12,956 66,951 SH   DFND   66,951 0 0
MGM RESORTS INTERNATIONAL COM 552953101 2,084 75,180 SH   DFND   75,180 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 3,825 75,423 SH   DFND   74,223 0 1,200
ABBOTT LABS COM 002824100 6,981 83,432 SH   DFND   71,530 0 11,902
ABBVIE INC. COM 00287Y109 6,444 85,099 SH   DFND   65,096 0 20,003
HOME DEPOT INC COM 437076102 20,467 88,211 SH   DFND   84,556 0 3,655
ENTERPRISE PRODUCTS PARTNERS COM 293792107 3,117 109,053 SH   DFND   109,053 0 0
AMERICAN TOWER CORP COM 03027X100 28,490 128,840 SH   DFND   127,449 0 1,391
AMERICAN ELECTRIC POWER COM 025537101 12,920 137,906 SH   DFND   137,015 0 891
INTEL CORP COM 458140100 7,142 138,595 SH   DFND   138,595 0 0
AT&T INC COM 00206R102 5,792 153,067 SH   DFND   150,115 0 2,952
MCDONALDS CORP COM 580135101 34,246 159,499 SH   DFND   135,561 0 23,938
WELLS FARGO CO COM 949746101 8,054 159,667 SH   DFND   115,462 0 44,205
GLATFELTER P H CO COM 377316104 2,669 173,445 SH   DFND   173,445 0 0
CORTEVA INC COM 22052L104 4,898 174,919 SH   DFND   174,279 0 640
PROCTER & GAMBLE COM 742718109 28,473 228,919 SH   DFND   158,303 0 70,616
KIMBERLY CLARK CORP COM 494368103 36,109 254,199 SH   DFND   249,739 0 4,460
AUTOMATIC DATA PROCESSING COM 053015103 48,271 299,038 SH   DFND   294,800 0 4,238
BLACKROCK INC COM 09247X101 135,609 304,302 SH   DFND   257,597 70 46,635
CHEVRON CORPORATION COM 166764100 37,052 312,414 SH   DFND   300,976 0 11,438
S&P GLOBAL INC COM 78409V104 77,309 315,571 SH   DFND   265,838 80 49,653
BECTON DICKINSON COM 075887109 88,543 350,029 SH   DFND   299,228 95 50,706
GENUINE PARTS CO COM 372460105 36,452 366,021 SH   DFND   363,392 0 2,629
AIR PRODUCTS & CHEMICALS INC COM 009158106 83,828 377,844 SH   DFND   327,052 80 50,712
HONEYWELL INTERNATIONAL, INC. COM 438516106 66,364 392,221 SH   DFND   334,761 115 57,345
DOW INC COM 260557103 18,778 394,089 SH   DFND   391,324 0 2,765
DOLLAR GENERAL CORP COM 256677105 68,738 432,478 SH   DFND   363,204 75 69,199
PFIZER INC COM 717081103 16,143 449,278 SH   DFND   437,759 0 11,519
ALTRIA GROUP INC COM COM 02209S103 19,160 468,467 SH   DFND   461,932 0 6,535
UNITEDHEALTH GROUP INC COM COM 91324P102 106,974 492,240 SH   DFND   399,375 120 92,745
FEDEX CORP COM 31428X106 73,188 502,770 SH   DFND   424,646 240 77,884
PHILIP MORRIS INTL,INC COM 718172109 39,897 525,448 SH   DFND   521,836 0 3,612
MERCK & CO COM 58933Y105 45,192 536,852 SH   DFND   522,559 0 14,293
TAPESTRY INC COM 876030107 16,914 649,277 SH   DFND   646,240 0 3,037
VERIZON COMMUNICATIONS COM 92343V104 43,814 725,886 SH   DFND   716,257 0 9,629
BB&T CORP COM 054937107 39,789 745,530 SH   DFND   739,194 0 6,336
EMERSON ELECTRIC CO COM 291011104 52,430 784,170 SH   DFND   688,332 180 95,658
DUPONT DE NEMOURS INC COM 26614N102 61,067 856,356 SH   DFND   756,445 164 99,747
APPLE INC COM 037833100 200,728 896,228 SH   DFND   763,586 205 132,437
UNITED TECHNOLOGIES CORP COM 913017109 126,106 923,721 SH   DFND   763,596 300 159,825
STARBUCKS CORP COM 855244109 87,785 992,819 SH   DFND   845,072 290 147,457
CISCO SYS INC COM 17275R102 51,987 1,052,156 SH   DFND   1,043,805 0 8,351
EXXON MOBIL CORP COM 30231G102 77,048 1,091,180 SH   DFND   946,548 250 144,382
JOHNSON & JOHNSON COM 478160104 142,349 1,100,238 SH   DFND   935,563 255 164,420
PEPSICO INC COM 713448108 151,014 1,101,490 SH   DFND   943,915 275 157,300
LOWES COS INC COM 548661107 122,982 1,118,428 SH   DFND   937,784 175 180,469
BAXTER INTL INC COM 071813109 98,662 1,127,952 SH   DFND   946,523 250 181,179
J.P. MORGAN CHASE & CO COM 46625H100 166,533 1,415,015 SH   DFND   1,203,363 300 211,352
MICROSOFT CORP COM 594918104 211,693 1,522,642 SH   DFND   1,347,266 290 175,086
ORACLE SYS CORP COM 68389X105 85,266 1,549,453 SH   DFND   1,282,047 310 267,096
COCA-COLA CO COM 191216100 92,667 1,702,195 SH   DFND   1,448,055 300 253,840
CVS HEALTH CORPORATION COM 126650100 140,745 2,231,574 SH   DFND   1,882,356 590 348,628
TJX COS INC NEW COM 872540109 139,307 2,499,235 SH   DFND   2,053,136 645 445,454
CME GROUP INC. COM CL A 12572Q105 279 1,319 SH   DFND   1,319 0 0
VISA IN - CLASS A COM CL A 92826C839 2,187 12,717 SH   DFND   12,717 0 0
DISNEY WALT PRODUCTIONS COM DISNEY 254687106 125,619 963,931 SH   DFND   807,141 275 156,515
SMUCKER J M CO COM NEW COM NEW 832696405 313 2,848 SH   DFND   2,848 0 0
RAYTHEON CO NEW COM COM NEW 755111507 1,116 5,690 SH   DFND   5,690 0 0
DUKE ENERGY CORP COM NEW 26441C204 1,298 13,540 SH   DFND   13,540 0 0
U S BANCORP COM NEW 902973304 96,588 1,745,357 SH   DFND   1,468,812 610 275,935
MCCORMICK & CO COM NON VTG 579780206 232 1,485 SH   DFND   1,485 0 0
MAGELLAN MIDSTREAM PARTNERS COM UNIT RP LP 559080106 1,382 20,860 SH   DFND   20,860 0 0
ENERGY TRANSFER COM UT LTD PTN 29273V100 1,301 99,462 SH   DFND   99,462 0 0
COMM SERV SELECT SECTOR SPDR COMMUNICATION 81369Y852 597 12,065 SH   DFND   12,065 0 0
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 206,387 3,379,509 SH   DFND   3,312,540 0 66,969
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 262,113 5,347,070 SH   DFND   5,237,247 0 109,823
ISHARES CORE MSCI ACMI CORE MSCI TOTAL 46432F834 1,015 17,580 SH   DFND   17,255 0 325
ISHARES CORE S&P 500 ETF CORE S&P ETF 464287200 47,920 160,525 SH   DFND   159,159 0 1,366
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507 87,903 454,913 SH   DFND   443,490 0 11,423
ISHARES CORE S&P SMALL-CAP ETF CORE S&P SCP ETF 464287804 163,837 2,104,788 SH   DFND   2,054,471 50 50,267
VANGUARD DIVIDEND DIV APP ETF 921908844 10,501 87,820 SH   DFND   87,820 0 0
ISHARES MSCI EAFE GROWTH INDEX FUND EAFE GRWTH ETF 464288885 506 6,281 SH   DFND   6,281 0 0
ISHARES EMERGING MKTS HI YIELD BD FD EM HGHYL BD ETF 464286285 209 4,488 SH   DFND   4,488 0 0
ISHARES MSCI EMERGING MARKETS MINIMUM VOLATILITY I EM MK MINVOL ETF 464286533 2,022 35,425 SH   DFND   35,425 0 0
COLUMBIA EMERGING MARKETS CONSUMER ETF EMRG MARKETS ETF 19762B509 352 16,025 SH   DFND   16,025 0 0
ISHARES NORTH AMERICAN TECH-SOFTWARE ETF EXPANDED TECH 464287515 207 975 SH   DFND   975 0 0
VANGUARD FINANCIALS ETF FINANCIALS ETF 92204A405 203 2,904 SH   DFND   2,904 0 0
ISHARES FLOATING RATE BOND E FLTG RATE NT ETF 46429B655 37,078 727,448 SH   DFND   712,608 1,000 13,840
FNF GROUP FNF GROUP COM 31620R303 399 8,990 SH   DFND   8,990 0 0
VANGUARD FTSE EUROPE PACIFIC ETF FTSE DEV MKT ETF 921943858 8,605 209,473 SH   DFND   165,321 0 44,152
VANGUARD FTSE EMERGING MARKET ETF FTSE EMR MKT ETF 922042858 5,427 134,798 SH   DFND   134,798 0 0
VANGUARD FTSE EUROPE ETF FTSE EUROPE ETF 922042874 686 12,798 SH   DFND   12,798 0 0
VANGUARD FTSE ALL WORLD SC ETF FTSE SMCAP ETF 922042718 42,631 418,159 SH   DFND   406,700 0 11,459
GLOBAL X MLP & ENERGY INFRASTRUCTURE ETF GLB X MLP ENRG I 37950E226 1,717 139,580 SH   DFND   139,580 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 1,389 10,000 SH   DFND   10,000 0 0
VANGUARD GROWTH ETF GROWTH ETF 922908736 679 4,082 SH   DFND   4,082 0 0
VANGUARD HIGH DIVIDEND YIELD ETF HIGH DIV YLD 921946406 1,085 12,229 SH   DFND   12,229 0 0
ISHARES HIGH DIVIDEND EQUITY HIGH DIVIDND ETF 46429B663 6,769 71,892 SH   DFND   71,892 0 0
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND FUND IBOXX INV CP ETF 464288513 438 5,023 SH   DFND   5,023 0 0
ISHARES IBOXX $ INVESTOP INVESTMENT GRADE BOND FUN IBOXX INV CP ETF 464287242 814 6,384 SH   DFND   5,744 0 640
VANGUARD INFO TECH ETF INF TECH ETF 92204A702 2,242 10,401 SH   DFND   10,401 0 0
VANGUARD FTSE PACIFIC ETF INF TECH ETF 922042866 68,234 1,033,063 SH   DFND   1,014,636 0 18,427
ISHARES INTERMEDIATE TERM CORP BOND ETF INTERM CR BD ETF 464288638 40,407 697,639 SH   DFND   684,142 788 12,709
WISDOMTREE DEFA FUND INTL EQUITY FD 97717W703 483 9,720 SH   DFND   9,720 0 0
ISHARES DOW JONES INTERNATIONAL SELECT DIVIDEND IN INTL SEL DIV ETF 464288448 1,105 35,942 SH   DFND   35,942 0 0
ISHARES BARCLAYS INTERMEDIATE GOVERNMENT/CREDIT BO INTRM GOV/CR ETF 464288612 741 6,547 SH   DFND   6,547 0 0
WISDOMTREE JAPAN HEDGED EQUITY FUND JAPN HEDGE EQT 97717W851 3,142 62,272 SH   DFND   62,272 0 0
ISHARES BARCLAYS MBS BOND FUND MBS ETF 464288588 20,639 190,573 SH   DFND   188,196 202 2,175
VANGUARD MID-CAP GROWTH ETF MCAP GR IDXVIP 922908538 233 1,574 SH   DFND   1,574 0 0
VANGUARD MIDCAP VALUE ETF MCAP VL IDXVIP 922908512 349 3,085 SH   DFND   3,085 0 0
ISHARES MSCI ALL COUNTRY ASIA EX JAPAN INDEX FUND MSCI AC ASIA ETF 464288182 201 3,025 SH   DFND   3,025 0 0
ISHARES MSCI ACWI ETF MSCI ACWI ETF 464288257 1,069 14,494 SH   DFND   14,494 0 0
ISHARES TRUST ISHARES MSCI ACWI EX US INDEX FUND MSCI ACWI US ETF 464288240 15,173 329,500 SH   DFND   273,105 125 56,270
ISHARES MSCI EAFE INDEX FUND MSCI EAFE ETF 464287465 1,099 16,848 SH   DFND   16,848 0 0
UNILEVER N V WI N Y SHS NEW 904784709 2,498 41,610 SH   DFND   24,045 0 17,565
ISHARES NATIONAL AMT-FREE MUNICIPAL BOND FUND NAT AMT FREE BD 464288414 313 2,742 SH   DFND   2,742 0 0
VANECK VECTORS OIL SERVICE OIL SVCS ETF 92189F718 1,821 155,000 SH   DFND   0 0 155,000
ALCON INC ORD SHS H01301128 224 3,843 SH   DFND   3,643 0 200
VANGUARD REIT ETF REIT ETF 922908553 3,311 35,504 SH   DFND   35,504 0 0
ISHARES RUSSELL 1000 INDEX FUND RUS 1000 ETF 464287622 277 1,683 SH   DFND   1,683 0 0
ISHARES RUSSELL 1000 GROWTH INDEX FUND RUS 1000 GRW ETF 464287614 3,513 22,006 SH   DFND   22,006 0 0
ISHARES RUSSELL 1000 VALUE INDEX FUND RUS 1000 VAL ETF 464287598 1,453 11,325 SH   DFND   11,325 0 0
ISHARES RUSSELL 2000 GROWTH INDEX FUND RUS 2000 GRW ETF 464287648 1,042 5,407 SH   DFND   5,407 0 0
ISHARES RUSSELL MID CAP GROWTH INDEX FUND RUS MDCP VAL ETF 464287481 862 6,096 SH   DFND   6,096 0 0
ISHARES RUSSELL MID CAP INDEX FUND RUS MID-CAP ETF 464287499 1,136 20,307 SH   DFND   20,307 0 0
ISHARES RUSSELL 2000 INDEX FUND RUSSELL 2000 ETF 464287655 6,489 42,879 SH   DFND   42,879 0 0
ISHARES RUSSELL 3000 INDEX FUND RUSSELL 3000 ETF 464287689 304 1,750 SH   DFND   1,750 0 0
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 3,804 13,953 SH   DFND   13,953 0 0
ISHARES S&P 500 GROWTH INDEX FUND S&P 500 GRWT ETF 464287309 1,098 6,097 SH   DFND   6,097 0 0
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 347 3,382 SH   DFND   3,382 0 0
ISHARES S&P MID CAP 400 GROWTH INDEX FUND S&P MC 400GR ETF 464287606 208 928 SH   DFND   928 0 0
ISHARES S&P MID CAP 400 VALUE INDEX FUND S&P MC 400VL ETF 464287705 213 1,329 SH   DFND   1,329 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF S&P500 EQL WGT 46137V357 8,018 74,187 SH   DFND   74,187 0 0
SPDR FINANCIAL SELECT SBI INT-FINL 81369Y605 759 27,100 SH   DFND   27,100 0 0
UTILITIES SELECT SECTOR SPDR SBI INT-UTILS 81369Y886 880 13,588 SH   DFND   13,588 0 0
ISHARES DJ SELECT DIVIDEND INDEX FUND SELECT DIVID ETF 464287168 5,297 51,952 SH   DFND   51,952 0 0
LIBERTY PROPERTY TRUST SH BEN INT 531172104 257 5,000 SH   DFND   5,000 0 0
ALLERGAN PLC SHS G0177J108 747 4,438 SH   DFND   4,438 0 0
EATON CORP, PLC SHS G29183103 38,821 466,876 SH   DFND   460,048 0 6,828
JOHNSON CONTROLS INTERNATIONAL PLC SHS G51502105 27,006 615,304 SH   DFND   610,871 0 4,433
MEDTRONIC PLC SHS G5960L103 80,806 743,932 SH   DFND   658,785 185 84,962
ACCENTURE LTD SHS CLASS A G1151C101 144,296 750,175 SH   DFND   609,534 200 140,441
ISHARES SHORT MATURITY BOND SHT MAT BD ETF 46431W507 502 9,969 SH   DFND   9,969 0 0
VANGUARD SMALL-CAP ETF SMALL CAP ETF 922908751 1,419 9,223 SH   DFND   9,223 0 0
ISHARES S&P SMALL CAP 600 VALUE INDEX FUND SP SMCP600VL ETF 464287879 3,329 22,168 SH   DFND   22,168 0 0
SAP SE SPONSORED ADR SPON ADR 803054204 716 6,075 SH   DFND   6,075 0 0
ROYAL DUTCH SHELL PLC - ADR SPON ADR B 780259107 25,033 417,906 SH   DFND   414,420 0 3,486
DIAGEO PLC - SPONSORED ADR SPON ADR NEW 25243Q205 2,031 12,418 SH   DFND   12,418 0 0
UNILEVER PLC SPONSORED ADR SPON ADR NEW 904767704 2,012 33,478 SH   DFND   33,478 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 2,798 47,544 SH   DFND   46,844 0 700
NOVARTIS AG - ADR SPONSORED ADR 66987V109 2,310 26,587 SH   DFND   25,587 0 1,000
BP PLC SPONSORED ADR 055622104 2,761 72,686 SH   DFND   72,686 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 16,193 379,403 SH   DFND   276,784 0 102,619
INVESCO TAXABLE MUNICIPAL BOND PORTFOLIO TAXABLE MUN BD 46138G805 14,683 453,168 SH   DFND   447,766 357 5,045
TECHNOLOGY SELECT SECT SPDR TECHNOLOGY 81369Y803 380 4,718 SH   DFND   4,718 0 0
ISHARES BARCLAYS TIPS BOND FUND TIPS BD ETF 464287176 371 3,187 SH   DFND   3,187 0 0
VANGUARD TOTAL STOCK MARKET TOTAL STK MKT 922908769 31,337 207,532 SH   DFND   207,532 0 0
SPDR TR UNIT SER 1 TR UNIT 78462F103 34,550 116,421 SH   DFND   107,931 0 8,490
ISHARES S&P US PREFERRED STOCK INDEX FUND U.S. PFD STK ETF 464288687 798 21,275 SH   DFND   21,275 0 0
INVESCO QQQ TRUST SERIES 1 UNIT SER 1 46090E103 893 4,730 SH   DFND   4,730 0 0
ISHARES US HEALTH CARE PROVIDERS ETF US HLTHCR PR ETF 464288828 238 1,473 SH   DFND   1,473 0 0
VANGUARD UTILITIES ETF UTILITIES ETF 92204A876 247 1,721 SH   DFND   1,721 0 0
MIDCAP SPDR TRUST SERIES 1 UTSER1 S&PDCRP 78467Y107 2,127 6,034 SH   DFND   6,034 0 0
VANGUARD VALUE ETF VALUE ETF 922908744 821 7,356 SH   DFND   7,356 0 0
VANGUARD TOTAL INTL STOCK INDEX FUND ETF VG TL INTL STK F 921909768 15,215 294,524 SH   DFND   287,884 0 6,640
CELANESE CORPORATION COM 150870103 214 1,750 SH   DFND   1,750 0 0
T ROWE PRICE GROUP INC COM 74144T108 216 1,893 SH   DFND   1,893 0 0
ISHARES TR U.S. CNSM SV ETF 464287580 413 1,900 SH   DFND   1,900 0 0
PAYPAL HOLDINGS, INC. COM 70450Y103 217 2,094 SH   DFND   2,094 0 0
ARTHUR J GALLAGHER & CO COM 363576109 219 2,450 SH   DFND   2,450 0 0
PROGRESSIVE CORP OHIO COM 743315103 210 2,723 SH   DFND   2,723 0 0
ANHEUSER-BUSCH INBEV SA ADR SPONSORED ADR 03524A108 314 3,300 SH   DFND   3,300 0 0
ISHARES TR U.S. FINLS ETF 464287788 425 3,300 SH   DFND   3,300 0 0
SPDR SERIES TRUST S&P BIOTECH 78464A870 259 3,400 SH   DFND   3,400 0 0
RPM INTL INC COM 749685103 242 3,512 SH   DFND   3,512 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 859 5,124 SH   DFND   5,124 0 0
KROGER CO COM 501044101 458 17,750 SH   DFND   17,750 0 0
GOLDMAN SACHS TREAS ACC ETF ACCES TREASURY 381430529 2,422 24,125 SH   DFND   23,751 0 374
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 1,850 57,885 SH   DFND   57,885 0 0
INTL FLAVORS & FRAGRANCES COM 459506101 38,956 317,517 SH   DFND   254,145 75 63,297