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
VANGUARD HIGH DIVIDEND UIT EXCHANGE TRADED 921946406 204 2,173 SH   DFND   0 2,173 0
INVESCO GLOBAL WATER UIT EXCHANGE TRADED 46138E651 205 6,630 SH   DFND   0 6,630 0
ISHARES MORTGAGE REAL UIT EXCHANGE TRADED 46435G342 208 4,675 SH   DFND   0 4,675 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N102 209 3,263 SH   DFND   75 3,188 0
REALOGY HOLDINGS CO COMMON STOCK 75605Y106 212 21,950 SH   DFND   0 21,950 0
ISHARES SHORT-TERM UIT EXCHANGE TRADED 464288646 214 3,994 SH   DFND   0 3,994 0
FIRST TRUST INTERNET UIT EXCHANGE TRADED 33733E302 216 1,554 SH   DFND   0 1,554 0
IBM CORP COMMON STOCK 459200101 216 1,614 SH   DFND   0 1,614 0
SPDR BLOOMBERG BARCLAYS UIT EXCHANGE TRADED 78464A391 218 2,927 SH   DFND   0 2,927 0
DOW INC COMMON STOCK 260557103 220 4,024 SH   DFND   1,615 2,409 0
SPDR LARGE CAP ETF UIT EXCHANGE TRADED 78464A854 225 5,952 SH   DFND   0 5,952 0
FORTIVE CORP DISC COMMON STOCK 34959J108 228 2,979 SH   DFND   237 2,742 0
UNILEVER PLC F AMERICAN DEPOSITORY 904767704 228 3,993 SH   DFND   179 3,814 0
GLDMN SACH ACTVBETA EMRG UIT EXCHANGE TRADED 381430206 230 6,705 SH   DFND   782 5,923 0
PAYPAL HOLDINGS INCORPOR COMMON STOCK 70450Y103 234 2,162 SH   DFND   287 1,875 0
SEMPRA ENERGY COMMON STOCK 816851109 253 1,668 SH   DFND   305 1,363 0
ISHARES MSCI INDIA ETF UIT EXCHANGE TRADED 46429B598 253 7,208 SH   DFND   0 7,208 0
ISHARES MSCI ACWI EX US UIT EXCHANGE TRADED 464288240 254 5,174 SH   DFND   0 5,174 0
CONNECTONE BANCORP COMMON STOCK 20786W107 257 10,000 SH   DFND   0 10,000 0
VANGUARD SMALL CAP ETF UIT EXCHANGE TRADED 922908751 258 1,560 SH   DFND   0 1,560 0
SELECT SECTOR INDUSTRIAL UIT EXCHANGE TRADED 81369Y704 264 3,240 SH   DFND   0 3,240 0
CHUBB LTD F FOREIGN ORDINARIES H1467J104 266 1,711 SH   DFND   667 1,044 0
ISHARES RUSSELL MID CAP UIT EXCHANGE TRADED 464287499 270 4,526 SH   DFND   182 4,344 0
UNITED PARCEL SRVC COMMON STOCK 911312106 272 2,323 SH   DFND   269 2,054 0
NEW JERSEY RESOURCE COMMON STOCK 646025106 274 6,146 SH   DFND   0 6,146 0
ISHARES 3-7 YEAR TRERY UIT EXCHANGE TRADED 464288661 275 2,186 SH   DFND   0 2,186 0
AIR PROD & CHEMICALS COMMON STOCK 009158106 277 1,179 SH   DFND   251 928 0
ISHARES SELECT DIVIDEND UIT EXCHANGE TRADED 464287168 283 2,683 SH   DFND   0 2,683 0
FEDEX CORP COMMON STOCK 31428X106 286 1,891 SH   DFND   36 1,855 0
CONOCOPHILLIPS COMMON STOCK 20825C104 289 4,446 SH   DFND   2,532 1,914 0
ISHARES MSCI ACWI ETF UIT EXCHANGE TRADED 464288257 291 3,675 SH   DFND   0 3,675 0
ISHARES CORE US UIT EXCHANGE TRADED 464287226 293 2,610 SH   DFND   0 2,610 0
ALLISON TRANSMISSION COMMON STOCK 01973R101 294 6,076 SH   DFND   0 6,076 0
LAZARD GLOBAL TOTAL RETU CLOSED END MUTL FUND 52106W103 304 18,349 SH   DFND   0 18,349 0
WORKDAY INC COMMON STOCK 98138H101 304 1,849 SH   DFND   90 1,759 0
ISHARES MSCI TAIWAN UIT EXCHANGE TRADED 46434G772 314 7,634 SH   DFND   0 7,634 0
OWL ROCK CAPITAL CORP COMMON STOCK 69121K104 316 17,655 SH   DFND   0 17,655 0
CVS HEALTH CORP COMMON STOCK 126650100 317 4,261 SH   DFND   126 4,135 0
CATERPILLAR INC COMMON STOCK 149123101 321 2,175 SH   DFND   0 2,175 0
ALLIANZGI NFJ DIV INTERE CLOSED END MUTL FUND 01883A107 322 24,804 SH   DFND   0 24,804 0
SPDR S&P 500 GROWTH ETF UIT EXCHANGE TRADED 78464A409 325 7,753 SH   DFND   137 7,616 0
SPDR S&P CHINA ETF UIT EXCHANGE TRADED 78463X400 332 3,237 SH   DFND   0 3,237 0
ISHARES MSCI SOUTH KOREA UIT EXCHANGE TRADED 464286772 336 5,398 SH   DFND   0 5,398 0
NETFLIX INC COMMON STOCK 64110L106 339 1,047 SH   DFND   12 1,035 0
VF CORP COMMON STOCK 918204108 351 3,523 SH   DFND   265 3,258 0
WESTERN ASSET MRTG DEFIN CLOSED END MUTL FUND 95790B109 354 17,462 SH   DFND   0 17,462 0
KEYCORP INC COMMON STOCK 493267108 357 17,637 SH   DFND   218 17,419 0
ALLSTATE CORP COMMON STOCK 020002101 362 3,217 SH   DFND   110 3,107 0
BOEING CO COMMON STOCK 097023105 366 1,123 SH   DFND   202 921 0
VANGUARD VALUE ETF UIT EXCHANGE TRADED 922908744 368 3,067 SH   DFND   0 3,067 0
WALMART INC COMMON STOCK 931142103 368 3,099 SH   DFND   528 2,571 0
TRUIST FINL CORP COMMON STOCK 89832Q109 377 6,701 SH   DFND   3,985 2,716 0
SPDR PORTFOLIO AGGREGATE UIT EXCHANGE TRADED 78464A649 385 13,106 SH   DFND   0 13,106 0
BAXTER INTERNTNL COMMON STOCK 071813109 402 4,812 SH   DFND   22 4,790 0
SPDR DOUBLELINE TTL RTRN UIT EXCHANGE TRADED 78467V848 405 8,257 SH   DFND   0 8,257 0
NVIDIA CORP COMMON STOCK 67066G104 407 1,729 SH   DFND   339 1,390 0
ISHARES CORE S&P 500 UIT EXCHANGE TRADED 464287200 412 1,273 SH   DFND   0 1,273 0
PNC FINL SERVICES COMMON STOCK 693475105 414 2,596 SH   DFND   215 2,381 0
VANGUARD INDUSTRIALS UIT EXCHANGE TRADED 92204A603 415 2,696 SH   DFND   82 2,614 0
VANGUARD MID CAP ETF UIT EXCHANGE TRADED 922908629 424 2,379 SH   DFND   0 2,379 0
STRYKER CORP COMMON STOCK 863667101 425 2,024 SH   DFND   54 1,970 0
LYFT INC COMMON STOCK 55087P104 432 10,050 SH   DFND   0 10,050 0
GENTEX CORP COMMON STOCK 371901109 439 15,159 SH   DFND   0 15,159 0
GLAXOSMITHKLINE PLC F AMERICAN DEPOSITORY 37733W105 451 9,593 SH   DFND   325 9,268 0
XEROX HOLDINGS CORP COMMON STOCK 98421M106 455 12,335 SH   DFND   0 12,335 0
ISHARES INDIA 50 ETF UIT EXCHANGE TRADED 464289529 460 11,918 SH   DFND   0 11,918 0
ISHARES MSCI EAFE ETF UIT EXCHANGE TRADED 464287465 492 7,084 SH   DFND   0 7,084 0
JAZZ PHARMACEUTICAL F FOREIGN ORDINARIES G50871105 505 3,383 SH   DFND   0 3,383 0
LOCKHEED MARTIN CORP COMMON STOCK 539830109 524 1,347 SH   DFND   229 1,118 0
DOUBLELINE INCOME SOLUTI CLOSED END MUTL FUND 258622109 553 27,967 SH   DFND   0 27,967 0
SPDR S&P 500 VALUE ETF UIT EXCHANGE TRADED 78464A508 558 15,973 SH   DFND   283 15,690 0
VANGUARD GROWTH ETF UIT EXCHANGE TRADED 922908736 567 3,110 SH   DFND   0 3,110 0
TJX COMPANIES INC COMMON STOCK 872540109 569 9,313 SH   DFND   301 9,012 0
SALESFORCE COM COMMON STOCK 79466L302 571 3,511 SH   DFND   487 3,024 0
TWITTER INC COMMON STOCK 90184L102 592 18,460 SH   DFND   460 18,000 0
PEAPACK GLADSTONE FI COMMON STOCK 704699107 599 19,391 SH   DFND   0 19,391 0
ACCENTURE PLC F FOREIGN ORDINARIES G1151C101 602 2,861 SH   DFND   82 2,779 0
ISHARES TIPS BOND ETF UIT EXCHANGE TRADED 464287176 604 5,182 SH   DFND   0 5,182 0
SPDR S&P DIVIDEND ETF UIT EXCHANGE TRADED 78464A763 608 5,656 SH   DFND   0 5,656 0
ISHARES ASIA/PACIFIC UIT EXCHANGE TRADED 464286293 610 13,937 SH   DFND   0 13,937 0
ISHARES MBS ETF UIT EXCHANGE TRADED 464288588 616 5,698 SH   DFND   0 5,698 0
PUB SVC ENTERPISE GP COMMON STOCK 744573106 620 10,502 SH   DFND   650 9,852 0
ACTIVISION BLIZZARD COMMON STOCK 00507V109 622 10,470 SH   DFND   36 10,434 0
CARNIVAL CORP F FOREIGN ORDINARIES 143658300 626 12,315 SH   DFND   0 12,315 0
BCE INC F FOREIGN CANADIAN 05534B760 628 13,550 SH   DFND   2,407 11,143 0
ISHARES EMERGING MARKETS UIT EXCHANGE TRADED 464286319 636 15,611 SH   DFND   0 15,611 0
QUALCOMM INC COMMON STOCK 747525103 646 7,323 SH   DFND   786 6,537 0
ISHARES CORE HIGH UIT EXCHANGE TRADED 46429B663 655 6,677 SH   DFND   0 6,677 0
VANGUARD HEALTH CARE UIT EXCHANGE TRADED 92204A504 656 3,423 SH   DFND   105 3,318 0
BROADCOM INC COMMON STOCK 11135F101 677 2,143 SH   DFND   166 1,977 0
SPDR MSCI USA UIT EXCHANGE TRADED 78468R812 696 7,352 SH   DFND   138 7,214 0
NEW RESIDENTIAL INVE REAL ESTATE INVESTME 64828T201 718 44,574 SH   DFND   0 44,574 0
VANGUARD CONSUMER UIT EXCHANGE TRADED 92204A108 724 4,112 SH   DFND   159 3,953 0
INVESCO BRIC ETF UIT EXCHANGE TRADED 46137V209 739 18,707 SH   DFND   0 18,707 0
ISHARES US REGIONAL UIT EXCHANGE TRADED 464288778 739 14,500 SH   DFND   0 14,500 0
VANGUARD DIVIDEND UIT EXCHANGE TRADED 921908844 743 5,957 SH   DFND   0 5,957 0
ADOBE INC COMMON STOCK 00724F101 753 2,284 SH   DFND   279 2,005 0
UNITEDHEALTH GRP INC COMMON STOCK 91324P102 758 2,579 SH   DFND   380 2,199 0
VANGUARD FINANCIALS ETF UIT EXCHANGE TRADED 92204A405 773 10,132 SH   DFND   322 9,810 0
VANGUARD TOTAL BOND UIT EXCHANGE TRADED 921937835 784 9,352 SH   DFND   0 9,352 0
ALIBABA GROUP HOLDING F AMERICAN DEPOSITORY 01609W102 821 3,872 SH   DFND   648 3,224 0
SELECT SECTOR UTI SELECT UIT EXCHANGE TRADED 81369Y886 823 12,732 SH   DFND   10,798 1,934 0
CME GROUP INC COMMON STOCK 12572Q105 825 4,108 SH   DFND   0 4,108 0
ALPS ALERIAN MLP ETF UIT EXCHANGE TRADED 00162Q866 846 99,549 SH   DFND   0 99,549 0
THE COCA-COLA CO COMMON STOCK 191216100 851 15,382 SH   DFND   769 14,613 0
BLACKROCK INC COMMON STOCK 09247X101 860 1,710 SH   DFND   116 1,594 0
ISHARES RUSSELL 1000 UIT EXCHANGE TRADED 464287598 869 5,039 SH   DFND   51 4,988 0
CONSTELLATION BRAND COMMON STOCK 21036P108 881 4,643 SH   DFND   34 4,609 0
EQUINIX INC REAL ESTATE INVESTME 29444U700 923 1,582 SH   DFND   82 1,500 0
ISHARES CORE MSCI UIT EXCHANGE TRADED 46434G103 926 17,231 SH   DFND   0 17,231 0
CROWN CASTLE INTL CO REAL ESTATE INVESTME 22822V101 930 6,542 SH   DFND   532 6,010 0
BP PLC F AMERICAN DEPOSITORY 055622104 996 26,378 SH   DFND   1,307 25,071 0
COMCAST CORP COMMON STOCK 20030N101 1,036 23,046 SH   DFND   4,164 18,882 0
EXELON CORP COMMON STOCK 30161N101 1,059 23,222 SH   DFND   241 22,981 0
BIOSPECIFICS TECH CO COMMON STOCK 090931106 1,122 19,700 SH   DFND   0 19,700 0
ISHARES 0-5 YEAR TIPS UIT EXCHANGE TRADED 46429B747 1,217 12,088 SH   DFND   11,678 410 0
KRAFT HEINZ CO COMMON STOCK 500754106 1,222 38,030 SH   DFND   0 38,030 0
AMERIPRISE FINL COMMON STOCK 03076C106 1,241 7,450 SH   DFND   71 7,379 0
DIAGEO PLC F AMERICAN DEPOSITORY 25243Q205 1,245 7,395 SH   DFND   722 6,673 0
ISHARES GLOBAL TIMBER UIT EXCHANGE TRADED 464288174 1,257 18,760 SH   DFND   0 18,760 0
TARGET CORP COMMON STOCK 87612E106 1,264 9,860 SH   DFND   727 9,133 0
ISHARES 20 PLS YEAR UIT EXCHANGE TRADED 464287432 1,268 9,363 SH   DFND   8,745 618 0
MARSH & MC LENNAN CO COMMON STOCK 571748102 1,316 11,810 SH   DFND   390 11,420 0
SPDR SOLACTIVE UNITED UIT EXCHANGE TRADED 78463X335 1,365 26,107 SH   DFND   0 26,107 0
MC DONALDS CORP COMMON STOCK 580135101 1,386 7,013 SH   DFND   271 6,742 0
NOVARTIS AG F AMERICAN DEPOSITORY 66987V109 1,389 14,673 SH   DFND   2,032 12,641 0
VGRD STC ETF DV UIT EXCHANGE TRADED 92206C409 1,409 17,393 SH   DFND   0 17,393 0
VGRD FTSE ALL WRLD EX US UIT EXCHANGE TRADED 922042718 1,415 12,738 SH   DFND   138 12,600 0
DANAHER CORP COMMON STOCK 235851102 1,424 9,277 SH   DFND   28 9,249 0
AUTO DATA PROCESSING COMMON STOCK 053015103 1,427 8,368 SH   DFND   478 7,890 0
VANGUARD INFORMATION UIT EXCHANGE TRADED 92204A702 1,432 5,848 SH   DFND   141 5,707 0
BRISTOL-MYERS SQUIBB RTS WARRANTS 110122157 1,448 481,095 SH   DFND   0 481,095 0
SPDR INDEX SHARES EMERG UIT EXCHANGE TRADED 78463X509 1,513 40,252 SH   DFND   490 39,762 0
ALLEGHANY CORP DEL COMMON STOCK 017175100 1,538 1,924 SH   DFND   0 1,924 0
VANGUARD TOTAL INTERNTL UIT EXCHANGE TRADED 921909768 1,549 27,812 SH   DFND   120 27,692 0
ISHARES CORE MSCI EAFE UIT EXCHANGE TRADED 46432F842 1,563 23,962 SH   DFND   0 23,962 0
VAG ITM-TERM CORPORATE UIT EXCHANGE TRADED 92206C870 1,590 17,413 SH   DFND   13,119 4,294 0
CITIGROUP INC COMMON STOCK 172967424 1,597 19,995 SH   DFND   1,666 18,329 0
THERMO FISHER SCNTFC COMMON STOCK 883556102 1,641 5,052 SH   DFND   173 4,879 0
ABBVIE INC COMMON STOCK 00287Y109 1,655 18,689 SH   DFND   52 18,637 0
AMGEN INC. COMMON STOCK 031162100 1,666 6,910 SH   DFND   320 6,590 0
BERKSHIRE HATHAWAY COMMON STOCK 084670702 1,691 7,467 SH   DFND   231 7,236 0
A T & T INC COMMON STOCK 00206R102 1,695 43,375 SH   DFND   4,771 38,604 0
UNION PACIFIC CORP COMMON STOCK 907818108 1,700 9,402 SH   DFND   110 9,292 0
3M CO COMMON STOCK 88579Y101 1,702 9,646 SH   DFND   463 9,183 0
VANGUARD REAL ESTATE UIT EXCHANGE TRADED 922908553 1,722 18,522 SH   DFND   93 18,429 0
ISHARES MSCI EUROPE UIT EXCHANGE TRADED 464289180 1,730 88,759 SH   DFND   0 88,759 0
ORACLE CORP COMMON STOCK 68389X105 1,747 32,968 SH   DFND   2,608 30,360 0
U S BANCORP COMMON STOCK 902973304 1,769 29,837 SH   DFND   1,281 28,556 0
SPDR MSCI EMRG MRKTS UIT EXCHANGE TRADED 78463X426 1,845 30,335 SH   DFND   88 30,247 0
UNITED TECHNOLOGIES COMMON STOCK 913017109 1,852 12,366 SH   DFND   237 12,129 0
GENERAL ELECTRIC CO COMMON STOCK 369604103 1,922 172,178 SH   DFND   816 171,362 0
ELECTRONIC ARTS INC COMMON STOCK 285512109 1,990 18,511 SH   DFND   0 18,511 0
SPDR PORT MSCI GLBL STCK UIT EXCHANGE TRADED 78463X475 2,010 46,807 SH   DFND   878 45,929 0
VANGUARD FTSE EUROPE UIT EXCHANGE TRADED 922042874 2,025 34,552 SH   DFND   373 34,179 0
MEDTRONIC PLC F FOREIGN ORDINARIES G5960L103 2,096 18,477 SH   DFND   993 17,484 0
TEXAS INSTRUMENTS COMMON STOCK 882508104 2,116 16,497 SH   DFND   815 15,682 0
WISDOMTREE EMRG MRKT HG UIT EXCHANGE TRADED 97717W315 2,178 47,592 SH   DFND   0 47,592 0
NEXTERA ENERGY INC COMMON STOCK 65339F101 2,183 9,015 SH   DFND   922 8,093 0
RIVERNORTH OPPORTUNITIES CLOSED END MUTL FUND 76881Y109 2,199 134,732 SH   DFND   0 134,732 0
INTEL CORP COMMON STOCK 458140100 2,280 38,094 SH   DFND   2,187 35,907 0
VANGUARD TOTAL STOCK UIT EXCHANGE TRADED 922908769 2,335 14,269 SH   DFND   0 14,269 0
CHEVRON CORP COMMON STOCK 166764100 2,366 19,632 SH   DFND   2,341 17,291 0
VANGUARD INTL DIVIDEND UIT EXCHANGE TRADED 921946810 2,426 33,665 SH   DFND   309 33,356 0
SPDR S&P 500 ETF UIT EXCHANGE TRADED 78462F103 2,430 7,550 SH   DFND   0 7,550 0
VERIZON COMMUNICATN COMMON STOCK 92343V104 2,446 39,837 SH   DFND   2,129 37,708 0
PEPSICO INC COMMON STOCK 713448108 2,486 18,191 SH   DFND   633 17,558 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 2,554 53,243 SH   DFND   5,522 47,721 0
COMMUNICAT SVS SLCT SEC UIT EXCHANGE TRADED 81369Y852 2,587 48,239 SH   DFND   41,014 7,225 0
SPDR SHORT TERM UIT EXCHANGE TRADED 78464A474 2,596 84,172 SH   DFND   77,692 6,480 0
WALT DISNEY CO COMMON STOCK 254687106 2,604 18,003 SH   DFND   474 17,529 0
WELLS FARGO BK N A COMMON STOCK 949746101 2,642 49,105 SH   DFND   2,486 46,619 0
HONEYWELL INTL INC COMMON STOCK 438516106 2,670 15,084 SH   DFND   507 14,577 0
SPDR GOLD SHARES ETF UIT EXCHANGE TRADED 78463V107 2,670 18,687 SH   DFND   0 18,687 0
VANGUARD FTSE PACIFIC UIT EXCHANGE TRADED 922042866 2,735 39,306 SH   DFND   14,470 24,836 0
FACEBOOK INC COMMON STOCK 30303M102 2,773 13,508 SH   DFND   1,020 12,488 0
ISHARES IBOXX INVT GRADE UIT EXCHANGE TRADED 464287242 2,915 22,781 SH   DFND   19,392 3,389 0
BANK OF AMERICA CORP COMMON STOCK 060505104 2,944 83,591 SH   DFND   4,006 79,585 0
MICROSOFT CORP COMMON STOCK 594918104 3,001 19,030 SH   DFND   2,710 16,320 0
AMERN TOWER CORP REAL ESTATE INVESTME 03027X100 3,037 13,216 SH   DFND   40 13,176 0
CIGNA CORP COMMON STOCK 125523100 3,039 14,861 SH   DFND   0 14,861 0
CAPITAL ONE FC COMMON STOCK 14040H105 3,203 31,129 SH   DFND   0 31,129 0
SPDR S&P REGIONAL UIT EXCHANGE TRADED 78464A698 3,287 56,425 SH   DFND   0 56,425 0
AMAZON.COM INC COMMON STOCK 023135106 3,337 1,806 SH   DFND   140 1,666 0
VISA INC COMMON STOCK 92826C839 3,354 17,847 SH   DFND   1,107 16,740 0
ALTRIA GROUP INC COMMON STOCK 02209S103 3,442 68,954 SH   DFND   1,799 67,155 0
SELECT SECTOR HEALTH UIT EXCHANGE TRADED 81369Y209 3,474 34,108 SH   DFND   30,009 4,099 0
PFIZER INC COMMON STOCK 717081103 3,481 88,842 SH   DFND   5,776 83,066 0
PHILIP MORRIS INTL COMMON STOCK 718172109 3,510 41,251 SH   DFND   1,342 39,909 0
ILLUMINA INC COMMON STOCK 452327109 3,552 10,706 SH   DFND   0 10,706 0
ROYAL DUTCH SHELL F AMERICAN DEPOSITORY 780259107 3,645 61,496 SH   DFND   1,813 59,683 0
HOME DEPOT INC COMMON STOCK 437076102 3,673 16,818 SH   DFND   437 16,381 0
PROCTER & GAMBLE COMMON STOCK 742718109 3,952 31,640 SH   DFND   333 31,307 0
INTERCONTINENTAL EXC COMMON STOCK 45866F104 4,144 44,776 SH   DFND   111 44,665 0
MONDELEZ INTL COMMON STOCK 609207105 4,149 75,327 SH   DFND   1,089 74,238 0
JOHNSON & JOHNSON COMMON STOCK 478160104 4,320 29,617 SH   DFND   1,873 27,744 0
VANGUARD FTSE ALL WORLD UIT EXCHANGE TRADED 922042775 4,918 91,491 SH   DFND   84,590 6,901 0
TECHNOLOGY SELECT SECTOR UIT EXCHANGE TRADED 81369Y803 4,959 54,096 SH   DFND   49,008 5,088 0
ZOOM VIDEO COMMUNICATION COMMON STOCK 98980L101 5,083 74,707 SH   DFND   0 74,707 0
INVESCO QQQ TRUST UIT EXCHANGE TRADED 46090E103 5,292 24,890 SH   DFND   0 24,890 0
SPDR FUND CONSUMER UIT EXCHANGE TRADED 81369Y308 5,473 71,918 SH   DFND   56,695 15,223 0
NORFOLK SOUTHERN CO COMMON STOCK 655844108 5,824 30,000 SH   DFND   0 30,000 0
SPDR PORTFOLIO DEVELOPED UIT EXCHANGE TRADED 78463X889 5,977 190,655 SH   DFND   894 189,761 0
J P MORGAN CHASE & CO COMMON STOCK 46625H100 6,158 44,173 SH   DFND   3,149 41,024 0
EXXON MOBIL CORP COMMON STOCK 30231G102 6,866 98,400 SH   DFND   1,424 96,976 0
ALPHABET INC. COMMON STOCK 02079K107 6,954 5,195 SH   DFND   178 5,017 0
BLACKSTONE GROUP INC COMMON STOCK 09260D107 8,861 158,396 SH   DFND   98 158,298 0
BRISTOL-MYERS SQUIBB COMMON STOCK 110122108 13,044 203,211 SH   DFND   777 202,434 0
APPLE INC COMMON STOCK 037833100 25,637 87,305 SH   DFND   593 86,712 0
MERCK & CO. INC. COMMON STOCK 58933Y105 25,893 284,699 SH   DFND   1,190 283,509 0
ISHARES CORE MSCI EUROPE UIT EXCHANGE TRADED 46434V738 1,023 20,512 SH   SOLE   20,512 0 0