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
AFLAC INC COM Common Stock 001055102 972 18,364 SH   DFND 24,25 18,364 0 0
AT&T INC COM Common Stock 00206R102 4,288 109,708 SH   DFND 8,24,25 109,708 0 0
ABBOTT LABORATORIES COM Common Stock 002824100 16,354 189,103 SH   DFND 2,3 189,103 0 0
ABBVIE INC COM USD0.01 Common Stock 00287Y109 43,415 490,523 SH   DFND 3,8,23,24,25 490,523 0 0
AD SYS COMMUNICATIONS INC COM Common Stock 00724F101 17,044 52,645 SH   DFND 2,3 52,645 0 0
AIR PRODUCTS & CHEMICALS INC Common Stock 009158106 5,459 23,236 SH   DFND 23 23,236 0 0
AKAMAI TECHNOLOGIES INC COM STK Common Stock 00971T101 1,598 18,493 SH   DFND 24,25 18,493 0 0
ALEXION PHARMACEUTICALS INC COM Common Stock 015351109 5,411 49,314 SH   DFND 2,3 49,314 0 0
ALLSTATE CORP COM USD0.01 Common Stock 020002101 17,723 157,981 SH   DFND 2,3,24,25 157,981 0 0
ALLY FINL INC COM Common Stock 02005N100 315 10,296 SH   DFND 25 10,296 0 0
ALPHABET INC CAP STK CL A Common Stock 02079K305 26,939 20,113 SH   DFND 3 20,113 0 0
ALTRIA GROUP INC COM Common Stock 02209S103 31,770 636,761 SH   DFND 3,8,23,25 636,761 0 0
AMAZON.COM INC Common Stock 023135106 24,289 13,145 SH   DFND 3 13,145 0 0
AMEREN CORP COM USD0.01 Common Stock 023608102 9,656 126,717 SH   DFND 2,3,8,25 126,717 0 0
AMER ELEC PWR CO INC COM Common Stock 025537101 12,870 137,203 SH   DFND 2,3,8,24,25 137,203 0 0
AMERICAN EXPRESS CO COM USD0.20 Common Stock 025816109 2,317 18,614 SH   DFND 3 18,614 0 0
AMERICAN FINANCIAL GROUP INC Common Stock 025932104 2,211 20,164 SH   DFND 23 20,164 0 0
AMERICAN TOWER CORPORATION REIT 03027X100 3,769 17,611 SH   DFND 2 17,611 0 0
AMERISOURCEBERGEN CORPORATION COM USD0.01 Common Stock 03073E105 2,517 29,607 SH   DFND 3 29,607 0 0
AMERIPRISE FINANCIAL INC COM USD0.01 Common Stock 03076C106 6,839 41,055 SH   DFND 3,23 41,055 0 0
AMGEN INC COM Common Stock 031162100 33,413 138,679 SH   DFND 3,8,23,24,25 138,679 0 0
APPLE INC COM STK Common Stock 037833100 53,604 185,601 SH   DFND 2,3,24,25 185,601 0 0
APPLIED MATERIALS INC COM Common Stock 038222105 7,157 118,081 SH   DFND 2,3,24,25 118,081 0 0
ADR ASTRAZENECA PLC SPONSORED ADR UNITEDKINGDOM ADR 046353108 2,074 41,591 SH   DFND 8 41,591 0 0
BCE INC COM NPV Common Stock 05534B760 4,176 89,999 SH   DFND 8,24,25 89,999 0 0
BANK OF AMERICA CORP COM Common Stock 060505104 23,549 678,635 SH   DFND 2,3,25 678,635 0 0
BK OF NOVA SCOTIA COM NPV Common Stock 064149107 668 11,820 SH   DFND 24,25 11,820 0 0
IPATH BLOOMBERG COMMODITY IN ETP 06738C778 2,856 125,009 SH   DFND   125,009 0 0
BARRICK GOLD CORPORATION COM Common Stock 067901108 9,116 503,513 SH   DFND 2,3 503,513 0 0
BAXTER INTL INC COM Common Stock 071813109 12,584 151,235 SH   DFND 2,3 151,235 0 0
BEST BUY INC COM STK Common Stock 086516101 7,723 87,950 SH   DFND 3,23,24,25 87,950 0 0
BIOMARIN PHARMACEUTICAL INC COM Common Stock 09061G101 4,267 51,108 SH   DFND 2,3 51,108 0 0
BLACKROCK INC Common Stock 09247X101 11,580 23,051 SH   DFND 23 23,051 0 0
H&R BLOCK INC Common Stock 093671105 919 39,124 SH   DFND 23 39,124 0 0
BOEING CO/THE Common Stock 097023105 9,762 29,977 SH   DFND 23 29,977 0 0
BRISTOL-MYERS SQUIBB CO COM USD0.10 Common Stock 110122108 32,980 519,783 SH   DFND 2,3,23,24,25 519,783 0 0
ADR BRIT AMERN TOB PLC SPONSORED ADR 110448107 947 22,310 SH   DFND 8 22,310 0 0
BROADCOM INC COM Common Stock 11135F101 16,129 51,031 SH   DFND 2,3 51,031 0 0
CIGNA CORP NEW USD Common Stock 125523100 14,187 69,866 SH   DFND 2,3 69,866 0 0
CME GROUP INC Common Stock 12572Q105 11,939 59,508 SH   DFND 23 59,508 0 0
CARDINAL HEALTH INC COM NPV Common Stock 14149Y108 3,530 68,853 SH   DFND 2,3 68,853 0 0
CARNIVAL CORP Common Stock 143658300 6,853 134,862 SH   DFND 23 134,862 0 0
CELANESE CORP DEL COM Common Stock 150870103 1,959 15,911 SH   DFND 3 15,911 0 0
CENTERPOINT ENERGY INC COM Common Stock 15189T107 1,986 72,840 SH   DFND 8,25 72,840 0 0
CENTURYLINK INC COM Common Stock 156700106 214 16,165 SH   DFND 25 16,165 0 0
CHEMOURS CO/THE Common Stock 163851108 585 32,420 SH   DFND 23 32,420 0 0
CHEVRON CORP COM Common Stock 166764100 21,287 177,753 SH   DFND 2,3,8,25 177,753 0 0
CISCO SYSTEMS INC Common Stock 17275R102 54,434 1,142,044 SH   DFND 2,3,8,23,25 1,142,044 0 0
CITIGROUP INC COM NEW Common Stock 172967424 18,924 240,730 SH   DFND 2,3 240,730 0 0
CLOROX COMPANY Common Stock 189054109 2,507 16,326 SH   DFND 23 16,326 0 0
COCA-COLA CO/THE Common Stock 191216100 30,888 558,239 SH   DFND 8,23,25 558,239 0 0
COLGATE-PALMOLIVE CO COM Common Stock 194162103 11,021 160,721 SH   DFND 2,23,24,25 160,721 0 0
COMCAST CORP NEW-CL A Common Stock 20030N101 14,012 311,584 SH   DFND 3,8,25 311,584 0 0
COMERICA INC Common Stock 200340107 1,322 18,414 SH   DFND 23 18,414 0 0
CUMMINS INC Common Stock 231021106 6,436 35,970 SH   DFND 3,23 35,970 0 0
DXC TECHNOLOGY CO COM Common Stock 23355L106 458 12,172 SH   DFND 25 12,172 0 0
DANAHER CORP COM Common Stock 235851102 1,724 11,227 SH   DFND 24,25 11,227 0 0
DARDEN RESTAURANTS INC COM Common Stock 237194105 4,433 40,662 SH   DFND 8,23,24,25 40,662 0 0
DELTA AIR LINES INC DEL COM NEW Common Stock 247361702 19,444 333,777 SH   DFND 2,3,23 333,777 0 0
DISNEY WALT CO COM Common Stock 254687106 21,834 149,060 SH   DFND 2,3 149,060 0 0
DISCOVER FINL SVCS Common Stock 254709108 3,713 43,776 SH   DFND 3 43,776 0 0
DISCOVERY INC NEW COM SER A Common Stock 25470F104 11,064 337,286 SH   DFND 2,3 337,286 0 0
DISH NETWORK CORPORATION COM USD0.01 CLASS A Common Stock 25470M109 3,890 110,815 SH   DFND 2,3 110,815 0 0
DOMINION ENERGY INC COM STK NPV Common Stock 25746U109 8,299 100,203 SH   DFND 3,8,25 100,203 0 0
DOVER CORP COM USD1.00 Common Stock 260003108 2,248 19,506 SH   DFND 3 19,506 0 0
DOW INC COM USD0.01 WI Common Stock 260557103 2,751 50,252 SH   DFND 8,25 50,252 0 0
DUKE ENERGY CORP NEW COM NEW COM NEW Common Stock 26441C204 3,995 43,798 SH   DFND 8,25 43,798 0 0
EOG RESOURCES INC Common Stock 26875P101 5,179 64,456 SH   DFND 2,3 64,456 0 0
EASTMAN CHEMICAL CO Common Stock 277432100 1,836 23,181 SH   DFND 23 23,181 0 0
EATON VANCE CORP Common Stock 278265103 895 19,171 SH   DFND 23 19,171 0 0
ELECTRONIC ARTS INC COM Common Stock 285512109 12,842 121,405 SH   DFND 2,3 121,405 0 0
EMERSON ELECTRIC CO COM Common Stock 291011104 9,685 127,024 SH   DFND 8,23,25 127,024 0 0
ENTERGY CORP NEW COM Common Stock 29364G103 3,564 29,751 SH   DFND 8,25 29,751 0 0
MLP ENTERPRISE PRODS PARTNERS L P COM UNIT MLP 293792107 2,809 99,760 SH   DFND 8 99,760 0 0
EQUITY LIFESTYLE PPTYS INC COM REIT 29472R108 2,820 38,067 SH   DFND 2 38,067 0 0
EXACT SCIENCES CORP Common Stock 30063P105 3,027 32,728 SH   DFND 3 32,728 0 0
EXXON MOBIL CORP COM Common Stock 30231G102 7,740 111,255 SH   DFND 2,3,8,25 111,255 0 0
FACEBOOK INC COM USD0.000006 CL 'A' Common Stock 30303M102 5,113 24,909 SH   DFND 24,25 24,909 0 0
FASTENAL CO COM Common Stock 311900104 3,168 85,747 SH   DFND 23,25 85,747 0 0
FIDELITY NATIONAL FINANCIAL Common Stock 31620R303 1,958 43,201 SH   DFND 23 43,201 0 0
FIFTH THIRD BANCORP COM Common Stock 316773100 3,524 114,957 SH   DFND 2,3 114,957 0 0
FIRSTENERGY CORP COM Common Stock 337932107 3,861 79,441 SH   DFND 8,25 79,441 0 0
FORD MTR CO DEL COM PAR $0.01 COM PAR $0.01 Common Stock 345370860 2,900 313,207 SH   DFND 2,3,25 313,207 0 0
FORTIS INC COM NPV Common Stock 349553107 1,424 34,270 SH   DFND 8,25 34,270 0 0
FRANKLIN RESOURCES INC Common Stock 354613101 8,454 325,379 SH   DFND 23 325,379 0 0
GAP INC/THE Common Stock 364760108 1,564 88,489 SH   DFND 23 88,489 0 0
GENERAL DYNAMICS CORP Common Stock 369550108 5,759 32,663 SH   DFND 23 32,663 0 0
GENERAL MILLS INC Common Stock 370334104 6,150 114,839 SH   DFND 23 114,839 0 0
GENERAL MTRS CO COM Common Stock 37045V100 10,025 275,138 SH   DFND 2,3 275,138 0 0
GENUINE PARTS CO COM USD1.00 Common Stock 372460105 4,795 45,120 SH   DFND 3,23 45,120 0 0
GILEAD SCIENCES INC Common Stock 375558103 4,775 73,472 SH   DFND 3,24,25 73,472 0 0
GLOBAL X SCIENTIFIC BETA ETF ETP 37954Y103 15,827 450,000 SH   DFND 23 450,000 0 0
GOLDMAN SACHS ACTIVEBETA INT ETP 381430107 18,343 607,350 SH   DFND 23 607,350 0 0
MFC GOLDMAN SACHS ETF TR ACTIVEBETA EMERGING MKTS EQUITY ETF ETP 381430206 58,272 1,696,921 SH   DFND 23,25 1,696,921 0 0
GOLDMAN ACTIVEBETA US LC ETF ETP 381430503 196,022 3,030,644 SH   DFND 23 3,030,644 0 0
HSBC HLDGS PLC SPON ADR NEW ADR 404280406 448 11,457 SH   DFND 3 11,457 0 0
HP INC COM Common Stock 40434L105 3,990 194,832 SH   DFND 2,3,25 194,832 0 0
HANESBRANDS INC COM STK Common Stock 410345102 2,312 155,687 SH   DFND 8,23 155,687 0 0
HERSHEY CO/THE Common Stock 427866108 3,235 22,014 SH   DFND 23 22,014 0 0
HOME DEPOT INC COM Common Stock 437076102 53,372 244,218 SH   DFND 2,3,8,23,24,25 244,218 0 0
HORMEL FOODS CORP COM Common Stock 440452100 471 10,438 SH   DFND 24,25 10,438 0 0
HOST HOTELS & RESORTS INC REIT REIT 44107P104 326 17,559 SH   DFND 25 17,559 0 0
ADR ICICI BK LTD ADR 45104G104 441 29,240 SH   DFND 24 29,240 0 0
ILLINOIS TOOL WORKS INC COM USD0.01 Common Stock 452308109 9,809 54,621 SH   DFND 3,23 54,621 0 0
INFOSYS LIMITED ADR ADR 456788108 284 27,551 SH   DFND 24 27,551 0 0
INTEL CORP COM Common Stock 458140100 45,512 760,862 SH   DFND 8,23,24,25 760,862 0 0
INTERNATIONAL BUSINESS MACHS CORP COM Common Stock 459200101 52,251 389,812 SH   DFND 2,3,8,23,24,25 389,812 0 0
INTERNATIONAL PAPER CO COM USD1.00 Common Stock 460146103 1,753 38,071 SH   DFND 3 38,071 0 0
INVESCO FTSE RAFI US 1000 ET ETP 46137V613 106,710 842,291 SH   DFND 23 842,291 0 0
IRON MTN INC NEW COM REIT 46284V101 2,327 73,015 SH   DFND 8,25 73,015 0 0
ISHARES MSCI CANADA ETF ETP 464286509 30,063 1,006,784 SH   DFND 23 1,006,784 0 0
ISHARES MSCI USA EQUAL WEIGH ETP 464286681 19,161 300,000 SH   DFND 23 300,000 0 0
ISHARES CORE S&P TOTAL US STOCK MARKET ETF ETP 464287150 16,478 226,686 SH   DFND 3 226,686 0 0
ISHARES TIPS BOND ETF ETP 464287176 7,437 63,838 SH   DFND   63,838 0 0
ISHARES CORE S&P 500 ETF ETP 464287200 536,898 1,664,601 SH   DFND 2,3,23 1,664,601 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETP 464287226 230,550 2,050,715 SH   DFND 2,3 2,050,715 0 0
ISHARES S&P 500 GROWTH ETF ETP 464287309 6,038 31,191 SH   DFND   31,191 0 0
ISHARES 7-10 YEAR TREASURY BOND ETF ETP 464287440 18,337 164,356 SH   DFND 2 164,356 0 0
ISHARES CORE S&P MID-CAP ETF ETP 464287507 76,851 374,212 SH   DFND 2,3 374,212 0 0
ISHARES CORE S&P US VALUE ETF ETP 464287663 89,068 1,416,518 SH   DFND 2,3 1,416,518 0 0
ISHARES CORE S&P SMALL-CAP ETF ETP 464287804 123,864 1,492,985 SH   DFND 2,3 1,492,985 0 0
ISHARES TR JP MOR EM MK ETF ETP 464288281 142,016 1,243,894 SH   DFND 2,3 1,243,894 0 0
ISHARES NATIONAL MUNI BOND ETF ETP 464288414 39,500 346,655 SH   DFND 2,3 346,655 0 0
ISHARES TR IBOXX HI YD ETF ETP 464288513 38,916 443,188 SH   DFND 2,3 443,188 0 0
ISHARES EDGE MSCI USA QUALIT ETP 46432F339 95,084 941,420 SH   DFND 23 941,420 0 0
ISHARES EDGE MSCI USA VALUE ETP 46432F388 81,716 910,486 SH   DFND 23 910,486 0 0
ISHARES EDGE MSCI USA MOMENT ETP 46432F396 57,429 457,203 SH   DFND 23 457,203 0 0
ISHARES TR CORE MSCI TOTAL ETP 46432F834 10,624 171,627 SH   DFND 3 171,627 0 0
ISHARES TRUST CORE MSCI EAFE ETF ETP 46432F842 534,919 8,208,768 SH   DFND 2,3,23 8,208,768 0 0
ISHARES INC CORE MSCI EMKT ETP 46434G103 67,678 1,264,426 SH   DFND 2,3 1,264,426 0 0
ISHARES EDGE MSCI INTL MOMEN ETP 46434V449 1,474 47,300 SH   DFND 23 47,300 0 0
ISHA CURR HEDGED MSCI EAFE ETP 46434V803 9,769 320,400 SH   DFND 23 320,400 0 0
ISHARES MSCI UNITED KINGDOM ETP 46435G334 14,605 428,534 SH   DFND 23 428,534 0 0
JPMORGAN CHASE & CO COM USD1.00 Common Stock 46625H100 26,624 193,526 SH   DFND 2,3,24,25 193,526 0 0
JOHNSON & JOHNSON COM USD1 Common Stock 478160104 61,790 423,820 SH   DFND 3,8,23,24,25 423,820 0 0
JUNIPER NETWORKS INC Common Stock 48203R104 1,221 49,583 SH   DFND 23 49,583 0 0
KLA CORP Common Stock 482480100 3,863 21,688 SH   DFND 23 21,688 0 0
KELLOGG CO Common Stock 487836108 4,771 68,964 SH   DFND 23 68,964 0 0
KEYCORP NEW COM Common Stock 493267108 11,306 565,308 SH   DFND 2,3 565,308 0 0
KIMBERLY-CLARK CORP COM Common Stock 494368103 19,391 141,276 SH   DFND 2,3,8,24,25 141,276 0 0
KOHLS CORP Common Stock 500255104 1,960 38,497 SH   DFND 23 38,497 0 0
KROGER CO COM Common Stock 501044101 2,150 74,163 SH   DFND 24,25 74,163 0 0
L3HARRIS TECHNOLOGIES INC COM Common Stock 502431109 8,944 45,010 SH   DFND 2,3 45,010 0 0
LAM RESEARCH CORP COM USD0.001 Common Stock 512807108 9,865 33,741 SH   DFND 3,23 33,741 0 0
LAS VEGAS SANDS CORP COM STK Common Stock 517834107 3,717 53,831 SH   DFND 8,25 53,831 0 0
ESTEE LAUDER COMPANIES INC CL A USD0.01 Common Stock 518439104 3,557 17,220 SH   DFND 24,25 17,220 0 0
LEGGETT & PLATT INC COM Common Stock 524660107 2,932 57,676 SH   DFND 8,23,25 57,676 0 0
ELI LILLY & CO COM Common Stock 532457108 19,535 148,673 SH   DFND 3,23,24,25 148,673 0 0
LINCOLN NATIONAL CORP COM NPV Common Stock 534187109 10,273 174,065 SH   DFND 2,3 174,065 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR ADR 539439109 543 163,924 SH   DFND 3 163,924 0 0
LOCKHEED MARTIN CORP Common Stock 539830109 13,767 35,370 SH   DFND 23 35,370 0 0
LOWES COMPANIES INC COM USD0.50 Common Stock 548661107 3,947 32,954 SH   DFND 3 32,954 0 0
M &T BANK CORP COM USD0.50 Common Stock 55261F104 2,427 14,295 SH   DFND 3 14,295 0 0
MLP MAGELLAN MIDSTREAM PARTNERS LP COM UNIT REPSTG LTD PARTNER INT MLP 559080106 1,888 30,025 SH   DFND 8 30,025 0 0
MAGNA INTL INC COM NPV Common Stock 559222401 3,448 62,894 SH   DFND 23,24,25 62,894 0 0
MASCO CORP COM USD1.00 Common Stock 574599106 9,416 197,808 SH   DFND 2,3 197,808 0 0
MASTERCARD INC CL A Common Stock 57636Q104 20,523 69,162 SH   DFND 2,3 69,162 0 0
MAXIM INTEGRATED PRODUCTS Common Stock 57772K101 2,869 46,640 SH   DFND 23 46,640 0 0
MC DONALDS CORP COM Common Stock 580135101 19,198 97,178 SH   DFND 8,23,24,25 97,178 0 0
MERCK & CO. INC. Common Stock 58933Y105 38,721 425,842 SH   DFND 3,8,23,24,25 425,842 0 0
METHANEX CORP Common Stock 59151K108 438 11,353 SH   DFND 23 11,353 0 0
METLIFE INC COM STK USD0.01 Common Stock 59156R108 2,811 55,155 SH   DFND 8,24,25 55,155 0 0
MICROSOFT CORP COM Common Stock 594918104 57,085 365,109 SH   DFND 2,3,8,24,25 365,109 0 0
MICRON TECH INC COM Common Stock 595112103 2,160 40,163 SH   DFND 24,25 40,163 0 0
MONDELEZ INTL INC COM NPV Common Stock 609207105 11,318 208,118 SH   DFND 2,3 208,118 0 0
NIKE INC CL B Common Stock 654106103 1,627 16,062 SH   DFND 24,25 16,062 0 0
NORDSTROM INC COM Common Stock 655664100 1,954 47,748 SH   DFND 23,25 47,748 0 0
NORFOLK SOUTHERN CORP COM USD1 Common Stock 655844108 9,965 51,375 SH   DFND 2,3 51,375 0 0
NORTHERN TRUST CORP Common Stock 665859104 2,643 24,890 SH   DFND 23 24,890 0 0
NORTHROP GRUMMAN CORP COM USD1 Common Stock 666807102 14,192 41,017 SH   DFND 2,3 41,017 0 0
NUCOR CORP Common Stock 670346105 2,656 47,209 SH   DFND 23 47,209 0 0
NVIDIA CORP Common Stock 67066G104 7,265 30,874 SH   DFND 3 30,874 0 0
NUTRIEN LTD COM NPV Common Stock 67077M108 2,054 42,882 SH   DFND 8 42,882 0 0
OCCIDENTAL PETROLEUM CORP Common Stock 674599105 3,096 75,115 SH   DFND 3,8,25 75,115 0 0
OMNICOM GROUP INC COM USD0.15 Common Stock 681919106 10,326 127,743 SH   DFND 2,3,23 127,743 0 0
ON SEMICONDUCTOR CORP COM Common Stock 682189105 248 10,186 SH   DFND 25 10,186 0 0
ORACLE CORP COM Common Stock 68389X105 7,607 142,504 SH   DFND 2,3,24,25 142,504 0 0
PNC FINANCIAL SERVICES GROUP COM STK Common Stock 693475105 1,611 10,091 SH   DFND 8,25 10,091 0 0
PPL CORP COM ISIN US69351T1060 Common Stock 69351T106 2,880 80,280 SH   DFND 8,25 80,280 0 0
PARKER-HANNIFIN CORP COM USD0.50 Common Stock 701094104 3,937 19,130 SH   DFND 3 19,130 0 0
PAYCHEX INC Common Stock 704326107 4,038 47,503 SH   DFND 23 47,503 0 0
PEMBINA PIPELINE CORPORATION COMMON STOCK Common Stock 706327103 2,296 61,847 SH   DFND 8,25 61,847 0 0
PEOPLES UTD FINL INC COM Common Stock 712704105 1,372 81,150 SH   DFND 8,25 81,150 0 0
PEPSICO INC COM Common Stock 713448108 49,473 362,279 SH   DFND 2,3,8,23,24,25 362,279 0 0
PFIZER INC COM Common Stock 717081103 49,893 1,274,265 SH   DFND 2,3,8,23,24,25 1,274,265 0 0
PHILIP MORRIS INTL COM STK NPV Common Stock 718172109 51,542 607,137 SH   DFND 2,3,8,23,25 607,137 0 0
PHILLIPS 66 COM Common Stock 718546104 16,112 144,683 SH   DFND 3,8,23,25 144,683 0 0
PINNACLE W. CAP CORP COM Common Stock 723484101 912 10,141 SH   DFND 24,25 10,141 0 0
POPULAR INC COM NEW Common Stock 733174700 5,021 86,818 SH   DFND 2,3 86,818 0 0
T ROWE PRICE GROUP INC Common Stock 74144T108 7,937 65,151 SH   DFND 3,23 65,151 0 0
PRINCIPAL FINANCIAL GROUP Common Stock 74251V102 4,828 87,832 SH   DFND 3,23 87,832 0 0
PROCTER & GAMBLE COM NPV Common Stock 742718109 19,604 157,020 SH   DFND 3,8,23,24,25 157,020 0 0
PROGRESSIVE CORP Common Stock 743315103 3,092 42,732 SH   DFND 23 42,732 0 0
QORVO INC COM Common Stock 74736K101 6,011 53,134 SH   DFND 2,3 53,134 0 0
QUEST DIAGNOSTICS INC COM USD0.01 Common Stock 74834L100 4,182 39,166 SH   DFND 3,23 39,166 0 0
RAYTHEON CO COM NEW Common Stock 755111507 3,630 16,521 SH   DFND 3 16,521 0 0
REGIONS FINL CORP NEW COM Common Stock 7591EP100 3,770 220,791 SH   DFND 2,3 220,791 0 0
REPUBLIC SVCS INC COM Common Stock 760759100 962 10,731 SH   DFND 24,25 10,731 0 0
ROBERT HALF INTL INC COM Common Stock 770323103 1,003 15,893 SH   DFND 24,25 15,893 0 0
ROGERS COMMS INC CLASS'B'COM CAD1.62478 Common Stock 775109200 7,519 151,491 SH   DFND 8,23,24,25 151,491 0 0
ROSS STORES INC COM Common Stock 778296103 1,573 13,505 SH   DFND 24,25 13,505 0 0
ROYAL BK OF CANADA COM NPV Common Stock 780087102 2,563 32,356 SH   DFND 8,24,25 32,356 0 0
ADR ROYAL DUTCH SHELL PLC SPONSORED ADR REPSTG A SHS ADR 780259206 3,256 55,209 SH   DFND 8 55,209 0 0
SPDR PORTFOLIO INTERMEDIATE TERM CORPORATE BOND ETF ETP 78464A375 487,658 13,809,697 SH   DFND 2,3 13,809,697 0 0
SPDR SERIES TRUST NUVEEN BLMBRG SR ETP 78468R739 14,432 293,959 SH   DFND 2,3 293,959 0 0
SPDR RUSSELL 1000 MOMEN FOCU ETP 78468R762 7,862 100,590 SH   DFND 23 100,590 0 0
SCHWAB FUNDAMENTAL EM L/C ETP 808524730 43,224 1,449,044 SH   DFND 23 1,449,044 0 0
SCHWAB FUNDAMENTAL INTL L/C ETP 808524755 168,253 5,815,884 SH   DFND 23 5,815,884 0 0
SIMON PROPERTY GROUP INC COM REIT 828806109 1,565 10,510 SH   DFND 8,25 10,510 0 0
SKYWORKS SOLUTIONS INC COM Common Stock 83088M102 1,689 13,971 SH   DFND 24,25 13,971 0 0
SMITH & NEPHEW ADR EACH REPR 2 ORD ADR 83175M205 533 11,093 SH   DFND 3 11,093 0 0
SOUTHWEST AIRLNS CO Common Stock 844741108 2,330 43,171 SH   DFND 3 43,171 0 0
SPIRIT AEROSYSTEMS HLDGS INC CL A Common Stock 848574109 6,516 85,464 SH   DFND 2,3,24,25 85,464 0 0
STANLEY BLACK & DECKER INC COM USD2.50 Common Stock 854502101 6,871 41,456 SH   DFND 3 41,456 0 0
STARBUCKS CORP COM USD0.001 Common Stock 855244109 3,975 45,207 SH   DFND 3,24,25 45,207 0 0
SYNCHRONY FINL COM Common Stock 87165B103 3,457 95,575 SH   DFND 2,3,24,25 95,575 0 0
SYSCO CORP Common Stock 871829107 4,400 51,458 SH   DFND 23 51,458 0 0
TD AMERITRADE HOLDING CORP Common Stock 87236Y108 2,589 52,036 SH   DFND 23 52,036 0 0
TJX COS INC COM NEW Common Stock 872540109 863 14,142 SH   DFND 24,25 14,142 0 0
T MOBILE US INC COM USD0.00001 Common Stock 872590104 8,381 106,829 SH   DFND 2,3 106,829 0 0
ADR TAIWAN SEMICONDUCTOR MANUFACTURING SPON ADS EACH REP 5 ORD TWD10 ADR 874039100 2,469 42,486 SH   DFND 8,24 42,486 0 0
TARGET CORP COM STK Common Stock 87612E106 29,407 224,123 SH   DFND 3,8,23,24,25 224,123 0 0
TELUS CORP Common Stock 87971M103 4,568 118,148 SH   DFND 23 118,148 0 0
ADR TEVA PHARMACEUTICAL INDS ADR 881624209 217 22,146 SH   DFND 25 22,146 0 0
TEXAS INSTRUMENTS INC COM USD1.00 Common Stock 882508104 25,412 198,115 SH   DFND 3,8,23,24,25 198,115 0 0
3M CO Common Stock 88579Y101 17,065 96,752 SH   DFND 23 96,752 0 0
TORONTO-DOMINION COM NPV Common Stock 891160509 1,207 21,486 SH   DFND 24,25 21,486 0 0
TRUECAR INC Common Stock 89785L107 42,954 9,042,992 SH   DFND   9,042,992 0 0
TWITTER INC COM Common Stock 90184L102 348 10,848 SH   DFND 24,25 10,848 0 0
US BANCORP DEL COM NEW Common Stock 902973304 2,829 47,721 SH   DFND 3 47,721 0 0
UNDER ARMOUR INC CL C COM Common Stock 904311206 216 11,266 SH   DFND 25 11,266 0 0
UNION PACIFIC CORP COM Common Stock 907818108 12,676 70,697 SH   DFND 2,3 70,697 0 0
UNITED AIRLINES HOLDINGS INC COM USD0.01 Common Stock 910047109 1,816 20,619 SH   DFND 24,25 20,619 0 0
UNITED PARCEL SVC INC CL B Common Stock 911312106 20,054 171,350 SH   DFND 8,23,25 171,350 0 0
UNUM GROUP Common Stock 91529Y106 935 32,068 SH   DFND 23 32,068 0 0
VF CORP Common Stock 918204108 1,094 10,972 SH   DFND 23 10,972 0 0
VANECK VECTORS ETF TR HIGH YLD MUN ETF ETP 92189H409 5,093 79,408 SH   DFND 2,3 79,408 0 0
MFC VANGUARD SPECIALIZED FUNDS VANGUARD DIVIDEND APPRECIATION ETF ETP 921908844 17,676 141,799 SH   DFND   141,799 0 0
VANGUARD TOTAL INTL STOCK ETP 921909768 29,512 530,125 SH   DFND   530,125 0 0
VANGUARD SHORT-TERM BOND ETF ETP 921937827 92,536 1,148,228 SH   DFND   1,148,228 0 0
VANGUARD TOTAL BOND MARKET ETP 921937835 48,062 573,191 SH   DFND   573,191 0 0
VANGUARD FTSE DEVELOPED ETF ETP 921943858 869,545 19,744,460 SH   DFND 23 19,744,460 0 0
VANGUARD HIGH DVD YIELD ETF ETP 921946406 762,788 8,140,721 SH   DFND   8,140,721 0 0
VANGUARD INTL EQUITY INDEX FUND INC TOTAL WORLD STK INDEX FUND ETF SHS ETP 922042742 36,537 452,997 SH   DFND 2,3 452,997 0 0
MFC VANGUARD INTL EQUITY INDEX FDS VANGUARD FTSE ALL WORLD EX US ETF ETP 922042775 64,971 1,208,766 SH   DFND   1,208,766 0 0
VANGUARD FTSE EMERGING MARKE ETP 922042858 66,450 1,494,252 SH   DFND 23 1,494,252 0 0
VANGUARD FTSE EUROPE ETF ETP 922042874 24,638 420,726 SH   DFND 23 420,726 0 0
VANGUARD S/T CORP BOND ETF ETP 92206C409 22,356 275,938 SH   DFND   275,938 0 0
VANGUARD LONG-TERM CORP BOND ETP 92206C813 23,611 233,037 SH   DFND   233,037 0 0
VANGUARD INT-TERM CORPORATE ETP 92206C870 22,888 250,604 SH   DFND   250,604 0 0
VANGUARD S&P 500 ETF ETP 922908363 245,125 828,886 SH   DFND 23 828,886 0 0
VANGUARD EXTENDED MARKET ETF ETP 922908652 35,214 279,518 SH   DFND   279,518 0 0
MFC VANGUARD INDEX FDS TOTAL STOCK MARKET ETF ETP 922908769 12,449 76,083 SH   DFND   76,083 0 0
VERIZON COMMUNICATIONS COM Common Stock 92343V104 66,613 1,086,029 SH   DFND 2,3,8,23,24,25 1,086,029 0 0
VERTEX PHARMACEUTCLS INC Common Stock 92532F100 4,508 20,590 SH   DFND 3 20,590 0 0
VICTORYSHARES USAA CORE INTE ETP 92647N527 321,585 6,188,604 SH   DFND 3 6,188,604 0 0
VICTORYSHARES USAA CORE SHOR ETP 92647N535 74,849 1,480,180 SH   DFND 3 1,480,180 0 0
VICTORYSHARES USAA MSCI EMER ETP 92647N543 83,597 1,862,675 SH   DFND 3,23 1,862,675 0 0
VICTORYSHARES USAA MSCI INTE ETP 92647N550 137,761 2,988,993 SH   DFND 3,23 2,988,993 0 0
VICTORYSHARES USAA MSCI USA ETP 92647N568 55,443 1,023,771 SH   DFND 3,23 1,023,771 0 0
VICTORYSHARES USAA MSCI USA ETP 92647N576 205,398 3,820,197 SH   DFND 3,23 3,820,197 0 0
VISA INC COM CL A STK Common Stock 92826C839 2,174 11,570 SH   DFND 24,25 11,570 0 0
VISTRA ENERGY CORP COM Common Stock 92840M102 446 19,388 SH   DFND 25 19,388 0 0
WEC ENERGY GROUP INC COM Common Stock 92939U106 1,512 16,389 SH   DFND 8,25 16,389 0 0
WALMART INC COM Common Stock 931142103 5,948 50,047 SH   DFND 3,24,25 50,047 0 0
WALGREENS BOOTS ALLIANCE INC COM Common Stock 931427108 1,812 30,725 SH   DFND 3 30,725 0 0
WASTE MGMT INC DEL COM STK Common Stock 94106L109 2,547 22,347 SH   DFND 24,25 22,347 0 0
WELLS FARGO & CO NEW COM STK Common Stock 949746101 2,378 44,201 SH   DFND 8,25 44,201 0 0
WELLTOWER INC COM REIT REIT 95040Q104 3,369 41,200 SH   DFND 8,24,25 41,200 0 0
WESTERN UNION CO Common Stock 959802109 2,418 90,265 SH   DFND 23 90,265 0 0
ADR WIPRO LTD SPONSORED ADR REPSTG 1 SH SPONSORED ADR REPSTG 1 SH COM ADR 97651M109 379 101,168 SH   DFND 24 101,168 0 0
WISDOMTREE EM SMALL CAP ETP 97717W281 19,079 399,145 SH   DFND 23 399,145 0 0
XCEL ENERGY INC COM USD2.5 Common Stock 98389B100 10,681 169,657 SH   DFND 2,3 169,657 0 0
ALLERGAN PLC SHS Common Stock G0177J108 2,828 15,289 SH   DFND 2 15,289 0 0
ARCH CAPITAL GROUP COM STK Common Stock G0450A105 922 21,495 SH   DFND 24,25 21,495 0 0
ATHENE HOLDING LTD COM USD0.001 CL A Common Stock G0684D107 1,561 33,181 SH   DFND 24,25 33,181 0 0
ACCENTURE PLC SHS CL A NEW Common Stock G1151C101 6,198 29,432 SH   DFND 3,24,25 29,432 0 0
COCA-COLA EUROPEAN PARTNERS PLC ORD GBP0.01 Common Stock G25839104 1,356 26,654 SH   DFND 8,25 26,654 0 0
EATON CORP PLC COM USD0.50 Common Stock G29183103 7,256 76,600 SH   DFND 3,8,24,25 76,600 0 0
EVEREST RE GROUP COM Common Stock G3223R108 2,828 10,215 SH   DFND 24,25 10,215 0 0
INGERSOLL-RAND PLC SHS USD1 Common Stock G47791101 12,697 95,840 SH   DFND 2,3 95,840 0 0
MEDTRONIC PLC COMMON STOCK STOCK Common Stock G5960L103 16,417 145,334 SH   DFND 2,3,24,25 145,334 0 0
RENAISSANCE RE HLDGS LTD COM Common Stock G7496G103 2,807 14,318 SH   DFND 24,25 14,318 0 0
TECHNIPFMC PLC USD1 Common Stock G87110105 3,548 171,159 SH   DFND 2,3 171,159 0 0
TE CONNECTIVITY LTD Common Stock H84989104 1,031 10,757 SH   DFND 24,25 10,757 0 0
LYONDELLBASELL IND N V COM USD0.01 CL 'A' Common Stock N53745100 2,142 22,678 SH   DFND 8,25 22,678 0 0
MYLAN NV Common Stock N59465109 384 19,091 SH   DFND 25 19,091 0 0
NXP SEMICONDUCTORS N V COM Common Stock N6596X109 11,812 94,989 SH   DFND 2,3 94,989 0 0
TRAVELERS COS INC COM STK Common Stock 89417E109 1,753 12,804 SH   DFND 24,25 12,804 0 0
MEDICAL PPTYS TRUST INC COM REIT 58463J304 2,066 99,500 SH   DFND 2 99,500 0 0
NORTONLIFELOCK INC COM Common Stock 668771108 6,145 240,793 SH   DFND 3,25 240,793 0 0
KINROSS GOLD CORP COM Common Stock 496902404 232 48,684 SH   DFND 24,25 48,684 0 0
CINEMARK HLDGS INC COM Common Stock 17243V102 1,305 38,560 SH   DFND 8 38,560 0 0
TRUIST FINL CORP COM Common Stock 89832Q109 2,487 44,149 SH   DFND 8,25 44,149 0 0