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
3M CO COM 88579Y101 204 1,059 SH   OTR 0 1,059 0
3M CO COM 88579Y101 200 1,040 SH   DFND 1,040 0 0
ABBOTT LABS COM 002824100 455 3,795 SH   OTR 0 3,795 0
ABBVIE INC COM 00287Y109 369 3,406 SH   OTR 0 3,406 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 2,333 8,446 SH   DFND 8,446 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 264 957 SH   OTR 0 957 0
AGNICO EAGLE MINES LTD COM 008474108 422 7,305 SH   DFND 7,305 0 0
AIR PRODS & CHEMS INC COM 009158106 1,751 6,223 SH   DFND 6,223 0 0
ALGONQUIN PWR UTILS CORP COM 015857105 184 11,599 SH   DFND 11,599 0 0
ALPHABET INC CAP STK CL C 02079K107 1,816 878 SH   DFND 878 0 0
ALPHABET INC CAP STK CL C 02079K107 1,349 652 SH   OTR 0 652 0
ALPHABET INC CAP STK CL A 02079K305 7,910 3,835 SH   OTR 0 3,835 0
ALPHABET INC CAP STK CL A 02079K305 8,762 4,248 SH   DFND 4,248 0 0
AMAZON COM INC COM 023135106 6,287 2,032 SH   DFND 2,032 0 0
AMAZON COM INC COM 023135106 5,031 1,626 SH   OTR 0 1,626 0
AMERICAN ELEC PWR CO INC COM 025537101 241 2,850 SH   OTR 0 2,850 0
AMERICAN TOWER CORP NEW COM 03027X100 561 2,345 SH   DFND 2,345 0 0
AMERICAN TOWER CORP NEW COM 03027X100 517 2,162 SH   OTR 0 2,162 0
APPLE INC COM 037833100 7,690 62,952 SH   DFND 62,952 0 0
APPLE INC COM 037833100 5,128 41,982 SH   OTR 0 41,982 0
ASML HOLDING N V N Y REGISTRY SHS N07059210 289 468 SH   DFND 468 0 0
BANK MONTREAL QUE COM 063671101 30,158 338,394 SH   DFND 338,394 0 0
BANK MONTREAL QUE COM 063671101 31,292 351,118 SH   OTR 0 351,118 0
BANK NOVA SCOTIA B C COM 064149107 4,443 71,024 SH   DFND 71,024 0 0
BANK NOVA SCOTIA B C COM 064149107 37,463 598,921 SH   OTR 0 598,921 0
BARRICK GOLD CORP COM 067901108 619 31,252 SH   DFND 31,252 0 0
BCE INC COM NEW 05534B760 22,951 508,434 SH   DFND 508,434 0 0
BCE INC COM NEW 05534B760 12,092 267,868 SH   OTR 0 267,868 0
BECTON DICKINSON & CO COM 075887109 275 1,133 SH   DFND 1,133 0 0
BECTON DICKINSON & CO COM 075887109 864 3,554 SH   OTR 0 3,554 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 205 801 SH   DFND 801 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 923 3,611 SH   OTR 0 3,611 0
BK OF AMERICA CORP COM 060505104 6,334 163,707 SH   DFND 163,707 0 0
BK OF AMERICA CORP COM 060505104 1,804 46,619 SH   OTR 0 46,619 0
BOOKING HOLDINGS INC COM 09857L108 478 205 SH   OTR 0 205 0
BRISTOL-MYERS SQUIBB CO COM 110122108 221 3,500 SH   OTR 0 3,500 0
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 21,569 484,700 SH   DFND 484,700 0 0
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 4,625 103,928 SH   OTR 0 103,928 0
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101 973 18,264 SH   OTR 0 18,264 0
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101 480 9,007 SH   DFND 9,007 0 0
BROOKFIELD RENEWABLE PARTNER PARTNERSHIP UNIT G16258108 2,462 57,795 SH   DFND 57,795 0 0
BROOKFIELD RENEWABLE PARTNER PARTNERSHIP UNIT G16258108 328 7,705 SH   OTR 0 7,705 0
BRP INC COM SUN VTG 05577W200 1,468 16,888 SH   DFND 16,888 0 0
BRP INC COM SUN VTG 05577W200 405 4,657 SH   OTR 0 4,657 0
CAE INC COM 124765108 5,281 185,371 SH   DFND 185,371 0 0
CAE INC COM 124765108 222 7,776 SH   OTR 0 7,776 0
CAMECO CORP COM 13321L108 418 25,190 SH   OTR 0 25,190 0
CANADIAN IMP BK COMM COM 136069101 11,063 113,039 SH   DFND 113,039 0 0
CANADIAN IMP BK COMM COM 136069101 9,196 93,957 SH   OTR 0 93,957 0
CANADIAN NAT RES LTD COM 136385101 6,902 223,594 SH   DFND 223,594 0 0
CANADIAN NAT RES LTD COM 136385101 4,320 139,935 SH   OTR 0 139,935 0
CANADIAN NATL RY CO COM 136375102 31,725 273,542 SH   DFND 273,542 0 0
CANADIAN NATL RY CO COM 136375102 14,054 121,174 SH   OTR 0 121,174 0
CANADIAN PAC RY LTD COM 13645T100 16,151 42,583 SH   DFND 42,583 0 0
CANADIAN PAC RY LTD COM 13645T100 3,645 9,611 SH   OTR 0 9,611 0
CATERPILLAR INC COM 149123101 603 2,600 SH   OTR 0 2,600 0
CGI INC CL A SUB VTG 12532H104 11,221 134,837 SH   DFND 134,837 0 0
CGI INC CL A SUB VTG 12532H104 1,116 13,407 SH   OTR 0 13,407 0
CHEVRON CORP NEW COM 166764100 320 3,056 SH   OTR 0 3,056 0
CISCO SYS INC COM 17275R102 1,692 32,714 SH   DFND 32,714 0 0
CISCO SYS INC COM 17275R102 329 6,362 SH   OTR 0 6,362 0
CITIGROUP INC COM NEW 172967424 1,819 25,000 SH   DFND 25,000 0 0
CME GROUP INC COM 12572Q105 446 2,182 SH   OTR 0 2,182 0
COCA COLA CO COM 191216100 1,650 31,305 SH   DFND 31,305 0 0
COCA COLA CO COM 191216100 533 10,120 SH   OTR 0 10,120 0
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 211 2,700 SH   OTR 0 2,700 0
COLGATE PALMOLIVE CO COM 194162103 229 2,899 SH   OTR 0 2,899 0
COLLIERS INTL GROUP INC SUB VTG SHS 194693107 406 4,136 SH   DFND 4,136 0 0
COMCAST CORP NEW CL A 20030N101 4,085 75,491 SH   OTR 0 75,491 0
COMCAST CORP NEW CL A 20030N101 6,180 114,206 SH   DFND 114,206 0 0
CORTEVA INC COM 22052L104 201 4,304 SH   DFND 4,304 0 0
COSTCO WHSL CORP NEW COM 22160K105 6,744 19,133 SH   DFND 19,133 0 0
COSTCO WHSL CORP NEW COM 22160K105 5,412 15,355 SH   OTR 0 15,355 0
CUMMINS INC COM 231021106 207 800 SH   OTR 0 800 0
DANAHER CORPORATION COM 235851102 7,798 34,646 SH   DFND 34,646 0 0
DANAHER CORPORATION COM 235851102 3,100 13,773 SH   OTR 0 13,773 0
DEERE & CO COM 244199105 636 1,700 SH   OTR 0 1,700 0
DIAGEO PLC SPON ADR NEW 25243Q205 579 3,527 SH   DFND 3,527 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 342 2,081 SH   OTR 0 2,081 0
DISNEY WALT CO COM 254687106 3,382 18,327 SH   OTR 0 18,327 0
DISNEY WALT CO COM 254687106 4,904 26,577 SH   DFND 26,577 0 0
DOW INC COM 260557103 275 4,304 SH   DFND 4,304 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 309 3,200 SH   OTR 0 3,200 0
DUPONT DE NEMOURS INC COM 26614N102 3,702 47,905 SH   DFND 47,905 0 0
DUPONT DE NEMOURS INC COM 26614N102 1,821 23,567 SH   OTR 0 23,567 0
ENBRIDGE INC COM 29250N105 17,055 468,551 SH   DFND 468,551 0 0
ENBRIDGE INC COM 29250N105 10,446 286,965 SH   OTR 0 286,965 0
EXXON MOBIL CORP COM 30231G102 468 8,390 SH   OTR 0 8,390 0
FACEBOOK INC CL A 30303M102 218 741 SH   DFND 741 0 0
FACEBOOK INC CL A 30303M102 377 1,280 SH   OTR 0 1,280 0
FIRSTSERVICE CORP NEW COM 33767E202 213 1,436 SH   DFND 1,436 0 0
FORTIS INC COM 349553107 7,619 175,670 SH   DFND 175,670 0 0
FORTIS INC COM 349553107 6,856 158,079 SH   OTR 0 158,079 0
FORTIVE CORP COM 34959J108 1,216 17,216 SH   OTR 0 17,216 0
FORTIVE CORP COM 34959J108 1,826 25,852 SH   DFND 25,852 0 0
FRANCO NEV CORP COM 351858105 9,368 74,772 SH   DFND 74,772 0 0
FRANCO NEV CORP COM 351858105 1,963 15,664 SH   OTR 0 15,664 0
GENERAL ELECTRIC CO COM 369604103 755 57,530 SH   DFND 57,530 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 826 23,155 SH   OTR 0 23,155 0
GRANITE REAL ESTATE INVT TR UNIT 99/99/9999 387437114 268 4,395 SH   DFND 4,395 0 0
HOME DEPOT INC COM 437076102 2,597 8,507 SH   DFND 8,507 0 0
HOME DEPOT INC COM 437076102 626 2,051 SH   OTR 0 2,051 0
HONDA MOTOR LTD AMERN SHS 438128308 302 10,000 SH   DFND 10,000 0 0
HONEYWELL INTL INC COM 438516106 6,674 30,748 SH   DFND 30,748 0 0
HONEYWELL INTL INC COM 438516106 4,035 18,589 SH   OTR 0 18,589 0
HOWMET AEROSPACE INC COM 443201108 521 16,200 SH   DFND 16,200 0 0
ILLUMINA INC COM 452327109 1,152 3,000 SH   DFND 3,000 0 0
ILLUMINA INC COM 452327109 237 618 SH   OTR 0 618 0
INTEL CORP COM 458140100 419 6,550 SH   OTR 0 6,550 0
ISHARES TR U.S. TECH ETF 464287721 238 2,712 SH   DFND 2,712 0 0
ISHARES TR INTL SEL DIV ETF 464288448 414 13,150 SH   OTR 0 13,150 0
JOHNSON & JOHNSON COM 478160104 10,543 64,150 SH   DFND 64,150 0 0
JOHNSON & JOHNSON COM 478160104 5,243 31,901 SH   OTR 0 31,901 0
JPMORGAN CHASE & CO COM 46625H100 12,712 83,506 SH   DFND 83,506 0 0
JPMORGAN CHASE & CO COM 46625H100 4,053 26,627 SH   OTR 0 26,627 0
LAUDER ESTEE COS INC CL A 518439104 5,263 18,094 SH   DFND 18,094 0 0
LAUDER ESTEE COS INC CL A 518439104 1,476 5,076 SH   OTR 0 5,076 0
LINDE PLC SHS G5494J103 2,029 7,244 SH   DFND 7,244 0 0
LINDE PLC SHS G5494J103 1,853 6,615 SH   OTR 0 6,615 0
LOWES COS INC COM 548661107 304 1,598 SH   OTR 0 1,598 0
MAGNA INTL INC COM 559222401 516 5,862 SH   OTR 0 5,862 0
MAGNA INTL INC COM 559222401 451 5,121 SH   DFND 5,121 0 0
MANULIFE FINL CORP COM 56501R106 12,798 595,246 SH   DFND 595,246 0 0
MANULIFE FINL CORP COM 56501R106 6,256 290,974 SH   OTR 0 290,974 0
MARATHON OIL CORP COM 565849106 240 22,432 SH   DFND 22,432 0 0
MARATHON PETE CORP COM 56585A102 1,200 22,432 SH   DFND 22,432 0 0
MASTERCARD INCORPORATED CL A 57636Q104 7,523 21,128 SH   DFND 21,128 0 0
MASTERCARD INCORPORATED CL A 57636Q104 4,322 12,138 SH   OTR 0 12,138 0
MCDONALDS CORP COM 580135101 749 3,343 SH   DFND 3,343 0 0
MCDONALDS CORP COM 580135101 990 4,417 SH   OTR 0 4,417 0
MEDTRONIC PLC SHS G5960L103 8,895 75,302 SH   DFND 75,302 0 0
MEDTRONIC PLC SHS G5960L103 3,753 31,766 SH   OTR 0 31,766 0
MERCK & CO. INC COM 58933Y105 284 3,690 SH   OTR 0 3,690 0
METLIFE INC COM 59156R108 705 11,600 SH   DFND 11,600 0 0
MICROSOFT CORP COM 594918104 13,063 55,405 SH   OTR 0 55,405 0
MICROSOFT CORP COM 594918104 21,382 90,691 SH   DFND 90,691 0 0
MONDELEZ INTL INC CL A 609207105 329 5,622 SH   OTR 0 5,622 0
MONDELEZ INTL INC CL A 609207105 286 4,892 SH   DFND 4,892 0 0
MORGAN STANLEY COM NEW 617446448 461 5,940 SH   OTR 0 5,940 0
NEXTERA ENERGY INC COM 65339F101 354 4,680 SH   DFND 4,680 0 0
NEXTERA ENERGY INC COM 65339F101 369 4,876 SH   OTR 0 4,876 0
NIKE INC CL B 654106103 5,254 39,535 SH   DFND 39,535 0 0
NIKE INC CL B 654106103 3,213 24,181 SH   OTR 0 24,181 0
NOVO-NORDISK A S ADR 670100205 270 4,000 SH   DFND 4,000 0 0
NOVO-NORDISK A S ADR 670100205 241 3,574 SH   OTR 0 3,574 0
NUTRIEN LTD COM 67077M108 10,453 193,967 SH   DFND 193,967 0 0
NUTRIEN LTD COM 67077M108 4,742 87,989 SH   OTR 0 87,989 0
OPEN TEXT CORP COM 683715106 431 9,029 SH   OTR 0 9,029 0
OPEN TEXT CORP COM 683715106 7,708 161,549 SH   DFND 161,549 0 0
ORACLE CORP COM 68389X105 534 7,610 SH   DFND 7,610 0 0
ORACLE CORP COM 68389X105 1,038 14,797 SH   OTR 0 14,797 0
OREILLY AUTOMOTIVE INC COM 67103H107 254 500 SH   DFND 500 0 0
PEMBINA PIPELINE CORP COM 706327103 2,241 77,718 SH   DFND 77,718 0 0
PEMBINA PIPELINE CORP COM 706327103 993 34,433 SH   OTR 0 34,433 0
PEPSICO INC COM 713448108 700 4,949 SH   OTR 0 4,949 0
PFIZER INC COM 717081103 3,826 105,591 SH   DFND 105,591 0 0
PFIZER INC COM 717081103 2,663 73,516 SH   OTR 0 73,516 0
PROCTER AND GAMBLE CO COM 742718109 605 4,470 SH   DFND 4,470 0 0
PROCTER AND GAMBLE CO COM 742718109 769 5,679 SH   OTR 0 5,679 0
PROGRESSIVE CORP COM 743315103 390 4,083 SH   DFND 4,083 0 0
PROGRESSIVE CORP COM 743315103 392 4,105 SH   OTR 0 4,105 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 2,539 32,857 SH   DFND 32,857 0 0
RESTAURANT BRANDS INTL INC COM 76131D103 13,039 200,607 SH   DFND 200,607 0 0
RESTAURANT BRANDS INTL INC COM 76131D103 2,648 40,731 SH   OTR 0 40,731 0
RITCHIE BROS AUCTIONEERS COM 767744105 3,216 54,931 SH   DFND 54,931 0 0
ROGERS COMMUNICATIONS INC CL B 775109200 12,445 269,967 SH   DFND 269,967 0 0
ROGERS COMMUNICATIONS INC CL B 775109200 5,684 123,301 SH   OTR 0 123,301 0
ROYAL BK CDA COM 780087102 44,161 478,921 SH   DFND 478,921 0 0
ROYAL BK CDA COM 780087102 67,617 733,295 SH   OTR 0 733,295 0
SALESFORCE COM INC COM 79466L302 212 1,000 SH   OTR 0 1,000 0
SAP SE SPON ADR 803054204 482 3,925 SH   DFND 3,925 0 0
SHAW COMMUNICATIONS INC CL B CONV 82028K200 12,316 469,722 SH   DFND 469,722 0 0
SHAW COMMUNICATIONS INC CL B CONV 82028K200 2,708 103,268 SH   OTR 0 103,268 0
SHOPIFY INC CL A 82509L107 1,637 1,479 SH   DFND 1,479 0 0
SHOPIFY INC CL A 82509L107 266 240 SH   OTR 0 240 0
SILVERCREST METALS INC COM 828363101 81 10,000 SH   DFND 10,000 0 0
SMITH & NEPHEW PLC SPDN ADR NEW 83175M205 254 6,700 SH   DFND 6,700 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 448 1,130 SH   OTR 0 1,130 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,023 2,580 SH   DFND 2,580 0 0
SPDR SER TR S&P DIVID ETF 78464A763 276 2,340 SH   DFND 2,340 0 0
STANTEC INC COM 85472N109 1,492 34,868 SH   DFND 34,868 0 0
SUN LIFE FINANCIAL INC. COM 866796105 5,295 104,757 SH   DFND 104,757 0 0
SUN LIFE FINANCIAL INC. COM 866796105 2,859 56,550 SH   OTR 0 56,550 0
SUNCOR ENERGY INC NEW COM 867224107 8,212 392,920 SH   DFND 392,920 0 0
SUNCOR ENERGY INC NEW COM 867224107 3,872 185,287 SH   OTR 0 185,287 0
TC ENERGY CORP COM 87807B107 20,229 442,171 SH   DFND 442,171 0 0
TC ENERGY CORP COM 87807B107 18,644 407,519 SH   OTR 0 407,519 0
TE CONNECTIVITY LTD REG SHS H84989104 5,688 44,052 SH   DFND 44,052 0 0
TE CONNECTIVITY LTD REG SHS H84989104 2,999 23,232 SH   OTR 0 23,232 0
TECK RESOURCES LTD CL B 878742204 290 15,103 SH   DFND 15,103 0 0
TELUS CORPORATION COM 87971M103 6,568 329,543 SH   OTR 0 329,543 0
TELUS CORPORATION COM 87971M103 14,467 725,892 SH   DFND 725,892 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 271 593 SH   OTR 0 593 0
THOMSON REUTERS CORP. COM NEW 884903709 11,848 135,302 SH   DFND 135,302 0 0
THOMSON REUTERS CORP. COM NEW 884903709 1,994 22,774 SH   OTR 0 22,774 0
TORONTO DOMINION BK ONT COM NEW 891160509 42,396 650,153 SH   DFND 650,153 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 22,615 346,795 SH   OTR 0 346,795 0
TOYOTA MOTOR CORP SP ADR REP2COM 892331307 312 2,000 SH   DFND 2,000 0 0
TRAVELERS COMPANIES INC COM 89417E109 1,290 8,578 SH   DFND 8,578 0 0
UNILEVER PLC SPON ADR NEW 904767704 2,200 39,400 SH   DFND 39,400 0 0
UNION PAC CORP COM 907818108 237 1,076 SH   OTR 0 1,076 0
UNITED PARCEL SERVICE INC CL B 911312106 267 1,572 SH   OTR 0 1,572 0
UNITEDHEALTH GROUP INC COM 91324P102 1,700 4,569 SH   OTR 0 4,569 0
UNITEDHEALTH GROUP INC COM 91324P102 2,190 5,886 SH   DFND 5,886 0 0
VALERO ENERGY CORP COM 91913Y100 257 3,585 SH   DFND 3,585 0 0
VALERO ENERGY CORP COM 91913Y100 823 11,500 SH   OTR 0 11,500 0
VERISK ANALYTICS INC COM 92345Y106 239 1,353 SH   OTR 0 1,353 0
VERIZON COMMUNICATIONS INC COM 92343V104 359 6,179 SH   OTR 0 6,179 0
VISA INC COM CL A 92826C839 12,045 56,887 SH   DFND 56,887 0 0
VISA INC COM CL A 92826C839 5,720 27,017 SH   OTR 0 27,017 0
WALMART INC COM 931142103 236 1,740 SH   OTR 0 1,740 0
WASTE CONNECTIONS INC COM 94106B101 10,405 96,360 SH   DFND 96,360 0 0
WASTE CONNECTIONS INC COM 94106B101 990 9,168 SH   OTR 0 9,168 0
WASTE MGMT INC DEL COM 94106L109 255 1,976 SH   DFND 1,976 0 0
WASTE MGMT INC DEL COM 94106L109 322 2,499 SH   OTR 0 2,499 0
WELLS FARGO CO NEW COM 949746101 214 5,483 SH   OTR 0 5,483 0
WHEATON PRECIOUS METALS CORP COM 962879102 493 12,910 SH   DFND 12,910 0 0
YUM CHINA HLDGS INC COM 98850P109 218 3,689 SH   OTR 0 3,689 0