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
ABBOTT LABS COM 002824100 267 1,897 SH   OTR 0 1,897 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 2,196 5,297 SH   DFND 5,297 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 417 1,006 SH   OTR 0 1,006 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 757 1,335 SH   DFND 1,335 0 0
AGNICO EAGLE MINES LTD COM 008474108 650 12,232 SH   DFND 12,232 0 0
AIR PRODS & CHEMS INC COM 009158106 1,832 6,021 SH   DFND 6,021 0 0
ALGONQUIN PWR UTILS CORP COM 015857105 180 12,457 SH   DFND 12,457 0 0
ALGONQUIN PWR UTILS CORP COM 015857105 233 16,125 SH   OTR 0 16,125 0
ALPHABET INC CAP STK CL C 02079K107 1,988 687 SH   DFND 687 0 0
ALPHABET INC CAP STK CL C 02079K107 1,516 524 SH   OTR 0 524 0
ALPHABET INC CAP STK CL A 02079K305 11,469 3,959 SH   DFND 3,959 0 0
ALPHABET INC CAP STK CL A 02079K305 10,261 3,542 SH   OTR 0 3,542 0
AMAZON COM INC COM 023135106 7,129 2,138 SH   DFND 2,138 0 0
AMAZON COM INC COM 023135106 5,598 1,679 SH   OTR 0 1,679 0
AMERICAN ELEC PWR CO INC COM 025537101 235 2,641 SH   OTR 0 2,641 0
AMERICAN TOWER CORP NEW COM 03027X100 369 1,262 SH   DFND 1,262 0 0
AMERICAN TOWER CORP NEW COM 03027X100 565 1,932 SH   OTR 0 1,932 0
APPLE INC COM 037833100 10,505 59,160 SH   DFND 59,160 0 0
APPLE INC COM 037833100 6,310 35,535 SH   OTR 0 35,535 0
ASML HOLDING N V N Y REGISTRY SHS N07059210 747 938 SH   DFND 938 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 208 844 SH   OTR 0 844 0
BANK MONTREAL QUE COM 063671101 32,104 298,032 SH   DFND 298,032 0 0
BANK MONTREAL QUE COM 063671101 37,871 351,569 SH   OTR 0 351,569 0
BANK NOVA SCOTIA B C COM 064149107 4,700 65,560 SH   DFND 65,560 0 0
BANK NOVA SCOTIA B C COM 064149107 45,078 628,791 SH   OTR 0 628,791 0
BARRICK GOLD CORP COM 067901108 604 31,789 SH   DFND 31,789 0 0
BCE INC COM NEW 05534B760 27,268 523,982 SH   DFND 523,982 0 0
BCE INC COM NEW 05534B760 13,538 260,146 SH   OTR 0 260,146 0
BECTON DICKINSON & CO COM 075887109 482 1,917 SH   OTR 0 1,917 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 973 3,254 SH   OTR 0 3,254 0
BK OF AMERICA CORP COM 060505104 7,348 165,161 SH   DFND 165,161 0 0
BK OF AMERICA CORP COM 060505104 1,978 44,459 SH   OTR 0 44,459 0
BLACKROCK INC COM 09247X101 821 897 SH   DFND 897 0 0
BOOKING HOLDINGS INC COM 09857L108 547 228 SH   OTR 0 228 0
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 24,694 408,976 SH   DFND 408,976 0 0
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 5,979 99,023 SH   OTR 0 99,023 0
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101 443 7,285 SH   DFND 7,285 0 0
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101 1,150 18,911 SH   OTR 0 18,911 0
BROOKFIELD INFRASTRUCTURE CO COM SB VTG SHS A 11275Q107 883 12,936 SH   DFND 12,936 0 0
BROOKFIELD RENEWABLE PARTNER PARTNERSHIP UNIT G16258108 414 11,567 SH   DFND 11,567 0 0
BROOKFIELD RENEWABLE PARTNER PARTNERSHIP UNIT G16258108 1,132 31,629 SH   OTR 0 31,629 0
BRP INC COM SUN VTG 05577W200 374 4,264 SH   OTR 0 4,264 0
BRP INC COM SUN VTG 05577W200 1,225 13,966 SH   DFND 13,966 0 0
CAE INC COM 124765108 4,469 177,060 SH   DFND 177,060 0 0
CANADIAN IMP BK COMM COM 136069101 12,714 109,077 SH   DFND 109,077 0 0
CANADIAN IMP BK COMM COM 136069101 10,600 90,941 SH   OTR 0 90,941 0
CANADIAN NAT RES LTD COM 136385101 10,330 244,497 SH   DFND 244,497 0 0
CANADIAN NAT RES LTD COM 136385101 5,755 136,213 SH   OTR 0 136,213 0
CANADIAN NATL RY CO COM 136375102 29,862 243,057 SH   DFND 243,057 0 0
CANADIAN NATL RY CO COM 136375102 13,663 111,208 SH   OTR 0 111,208 0
CANADIAN PAC RY LTD COM 13645T100 15,830 220,044 SH   DFND 220,044 0 0
CANADIAN PAC RY LTD COM 13645T100 2,802 38,949 SH   OTR 0 38,949 0
CATERPILLAR INC COM 149123101 538 2,602 SH   OTR 0 2,602 0
CGI INC CL A SUB VTG 12532H104 11,907 134,542 SH   DFND 134,542 0 0
CGI INC CL A SUB VTG 12532H104 1,014 11,458 SH   OTR 0 11,458 0
CHEVRON CORP NEW COM 166764100 359 3,059 SH   OTR 0 3,059 0
CISCO SYS INC COM 17275R102 2,810 44,343 SH   DFND 44,343 0 0
CISCO SYS INC COM 17275R102 247 3,898 SH   OTR 0 3,898 0
CITIGROUP INC COM NEW 172967424 1,914 31,694 SH   DFND 31,694 0 0
CME GROUP INC COM 12572Q105 443 1,939 SH   OTR 0 1,939 0
COCA COLA CO COM 191216100 1,780 30,062 SH   DFND 30,062 0 0
COCA COLA CO COM 191216100 581 9,813 SH   OTR 0 9,813 0
COLGATE PALMOLIVE CO COM 194162103 247 2,894 SH   OTR 0 2,894 0
COLLIERS INTL GROUP INC SUB VTG SHS 194693107 377 2,536 SH   DFND 2,536 0 0
COMCAST CORP NEW CL A 20030N101 5,094 101,212 SH   DFND 101,212 0 0
COMCAST CORP NEW CL A 20030N101 3,555 70,634 SH   OTR 0 70,634 0
CORTEVA INC COM 22052L104 203 4,294 SH   DFND 4,294 0 0
COSTCO WHSL CORP NEW COM 22160K105 9,542 16,808 SH   DFND 16,808 0 0
COSTCO WHSL CORP NEW COM 22160K105 7,685 13,537 SH   OTR 0 13,537 0
CRESCENT PT ENERGY CORP COM 22576C101 87 16,292 SH   DFND 16,292 0 0
DANAHER CORPORATION COM 235851102 11,071 33,649 SH   DFND 33,649 0 0
DANAHER CORPORATION COM 235851102 4,364 13,264 SH   OTR 0 13,264 0
DEERE & CO COM 244199105 514 1,499 SH   OTR 0 1,499 0
DESCARTES SYS GROUP INC COM 249906108 2,015 24,371 SH   DFND 24,371 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 309 1,404 SH   OTR 0 1,404 0
DISNEY WALT CO COM 254687106 4,029 26,012 SH   DFND 26,012 0 0
DISNEY WALT CO COM 254687106 2,563 16,547 SH   OTR 0 16,547 0
DOW INC COM 260557103 244 4,302 SH   DFND 4,302 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 336 3,203 SH   OTR 0 3,203 0
DUPONT DE NEMOURS INC COM 26614N102 1,829 22,642 SH   OTR 0 22,642 0
DUPONT DE NEMOURS INC COM 26614N102 3,531 43,711 SH   DFND 43,711 0 0
ENBRIDGE INC COM 29250N105 10,881 278,429 SH   OTR 0 278,429 0
ENBRIDGE INC COM 29250N105 18,029 461,336 SH   DFND 461,336 0 0
EXXON MOBIL CORP COM 30231G102 321 5,246 SH   OTR 0 5,246 0
FIRSTSERVICE CORP NEW COM 33767E202 297 1,512 SH   DFND 1,512 0 0
FORD MTR CO DEL COM 345370860 2,335 112,422 SH   DFND 112,422 0 0
FORTIS INC COM 349553107 9,387 194,469 SH   DFND 194,469 0 0
FORTIS INC COM 349553107 7,148 148,084 SH   OTR 0 148,084 0
FORTIVE CORP COM 34959J108 2,049 26,858 SH   DFND 26,858 0 0
FORTIVE CORP COM 34959J108 1,284 16,831 SH   OTR 0 16,831 0
FRANCO NEV CORP COM 351858105 7,017 50,741 SH   DFND 50,741 0 0
FRANCO NEV CORP COM 351858105 2,124 15,359 SH   OTR 0 15,359 0
GENERAL DYNAMICS CORP COM 369550108 219 1,051 SH   OTR 0 1,051 0
GILDAN ACTIVEWEAR INC COM 375916103 204 4,812 SH   OTR 0 4,812 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 943 21,383 SH   OTR 0 21,383 0
GRANITE REAL ESTATE INVT TR UNIT 99/99/9999 387437114 313 3,757 SH   DFND 3,757 0 0
HOME DEPOT INC COM 437076102 647 1,559 SH   OTR 0 1,559 0
HOME DEPOT INC COM 437076102 3,386 8,159 SH   DFND 8,159 0 0
HONEYWELL INTL INC COM 438516106 6,796 32,593 SH   DFND 32,593 0 0
HONEYWELL INTL INC COM 438516106 3,735 17,913 SH   OTR 0 17,913 0
HOWMET AEROSPACE INC COM 443201108 516 16,211 SH   DFND 16,211 0 0
ILLUMINA INC COM 452327109 1,141 2,999 SH   DFND 2,999 0 0
ILLUMINA INC COM 452327109 215 565 SH   OTR 0 565 0
INTEL CORP COM 458140100 309 6,000 SH   OTR 0 6,000 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 288 2,106 SH   OTR 0 2,106 0
ISHARES TR U.S. TECH ETF 464287721 215 1,872 SH   DFND 1,872 0 0
JOHNSON & JOHNSON COM 478160104 10,644 62,220 SH   DFND 62,220 0 0
JOHNSON & JOHNSON COM 478160104 4,905 28,672 SH   OTR 0 28,672 0
JPMORGAN CHASE & CO COM 46625H100 4,064 25,665 SH   OTR 0 25,665 0
JPMORGAN CHASE & CO COM 46625H100 28,046 177,114 SH   DFND 177,114 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 966 3,074 SH   DFND 3,074 0 0
LAUDER ESTEE COS INC CL A 518439104 5,701 15,400 SH   DFND 15,400 0 0
LAUDER ESTEE COS INC CL A 518439104 1,995 5,389 SH   OTR 0 5,389 0
LINDE PLC SHS G5494J103 2,551 7,364 SH   DFND 7,364 0 0
LINDE PLC SHS G5494J103 2,088 6,027 SH   OTR 0 6,027 0
LOWES COS INC COM 548661107 316 1,223 SH   OTR 0 1,223 0
MAGNA INTL INC COM 559222401 472 5,831 SH   DFND 5,831 0 0
MAGNA INTL INC COM 559222401 366 4,522 SH   OTR 0 4,522 0
MANULIFE FINL CORP COM 56501R106 10,818 567,278 SH   DFND 567,278 0 0
MANULIFE FINL CORP COM 56501R106 4,993 261,825 SH   OTR 0 261,825 0
MARATHON OIL CORP COM 565849106 368 22,412 SH   DFND 22,412 0 0
MARATHON PETE CORP COM 56585A102 1,435 22,425 SH   DFND 22,425 0 0
MARKETAXESS HLDGS INC COM 57060D108 233 567 SH   OTR 0 567 0
MARSH & MCLENNAN COS INC COM 571748102 206 1,185 SH   DFND 1,185 0 0
MASTERCARD INCORPORATED CL A 57636Q104 6,552 18,234 SH   DFND 18,234 0 0
MASTERCARD INCORPORATED CL A 57636Q104 4,287 11,931 SH   OTR 0 11,931 0
MCDONALDS CORP COM 580135101 932 3,477 SH   DFND 3,477 0 0
MCDONALDS CORP COM 580135101 1,107 4,130 SH   OTR 0 4,130 0
MEDTRONIC PLC SHS G5960L103 7,040 68,052 SH   DFND 68,052 0 0
MEDTRONIC PLC SHS G5960L103 3,127 30,227 SH   OTR 0 30,227 0
MERCK & CO INC COM 58933Y105 299 3,901 SH   OTR 0 3,901 0
META PLATFORMS INC CL A 30303M102 969 2,881 SH   DFND 2,881 0 0
META PLATFORMS INC CL A 30303M102 441 1,311 SH   OTR 0 1,311 0
MICROSOFT CORP COM 594918104 27,096 80,566 SH   DFND 80,566 0 0
MICROSOFT CORP COM 594918104 16,393 48,742 SH   OTR 0 48,742 0
MONDELEZ INTL INC CL A 609207105 370 5,580 SH   DFND 5,580 0 0
MONDELEZ INTL INC CL A 609207105 343 5,173 SH   OTR 0 5,173 0
MORGAN STANLEY COM NEW 617446448 557 5,674 SH   OTR 0 5,674 0
NEXTERA ENERGY INC COM 65339F101 494 5,291 SH   DFND 5,291 0 0
NEXTERA ENERGY INC COM 65339F101 415 4,445 SH   OTR 0 4,445 0
NIKE INC CL B 654106103 6,179 37,073 SH   DFND 37,073 0 0
NIKE INC CL B 654106103 4,694 28,163 SH   OTR 0 28,163 0
NOVO-NORDISK A S ADR 670100205 354 3,161 SH   OTR 0 3,161 0
NUTRIEN LTD COM 67077M108 12,772 169,840 SH   DFND 169,840 0 0
NUTRIEN LTD COM 67077M108 6,565 87,301 SH   OTR 0 87,301 0
OPEN TEXT CORP COM 683715106 8,748 184,246 SH   DFND 184,246 0 0
OPEN TEXT CORP COM 683715106 469 9,878 SH   OTR 0 9,878 0
ORACLE CORP COM 68389X105 426 4,885 SH   DFND 4,885 0 0
ORACLE CORP COM 68389X105 856 9,815 SH   OTR 0 9,815 0
PAYCHEX INC COM 704326107 216 1,582 SH   OTR 0 1,582 0
PEMBINA PIPELINE CORP COM 706327103 2,543 83,844 SH   DFND 83,844 0 0
PEMBINA PIPELINE CORP COM 706327103 848 27,959 SH   OTR 0 27,959 0
PEPSICO INC COM 713448108 954 5,492 SH   DFND 5,492 0 0
PEPSICO INC COM 713448108 659 3,794 SH   OTR 0 3,794 0
PFIZER INC COM 717081103 6,582 111,465 SH   DFND 111,465 0 0
PFIZER INC COM 717081103 3,834 64,928 SH   OTR 0 64,928 0
PROCTER AND GAMBLE CO COM 742718109 675 4,126 SH   DFND 4,126 0 0
PROCTER AND GAMBLE CO COM 742718109 859 5,251 SH   OTR 0 5,251 0
PROLOGIS INC. COM 74340W103 223 1,325 SH   DFND 1,325 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 2,121 24,646 SH   DFND 24,646 0 0
RESTAURANT BRANDS INTL INC COM 76131D103 13,248 218,326 SH   DFND 218,326 0 0
RESTAURANT BRANDS INTL INC COM 76131D103 2,669 43,985 SH   OTR 0 43,985 0
RITCHIE BROS AUCTIONEERS COM 767744105 3,242 52,965 SH   DFND 52,965 0 0
ROGERS COMMUNICATIONS INC CL B 775109200 9,538 200,252 SH   DFND 200,252 0 0
ROGERS COMMUNICATIONS INC CL B 775109200 5,727 120,239 SH   OTR 0 120,239 0
ROPER TECHNOLOGIES INC COM 776696106 204 415 SH   OTR 0 415 0
ROYAL BK CDA COM 780087102 44,310 417,467 SH   DFND 417,467 0 0
ROYAL BK CDA COM 780087102 75,800 714,151 SH   OTR 0 714,151 0
S&P GLOBAL INC COM 78409V104 492 1,043 SH   DFND 1,043 0 0
S&P GLOBAL INC COM 78409V104 576 1,221 SH   OTR 0 1,221 0
SALESFORCE COM INC COM 79466L302 254 999 SH   OTR 0 999 0
SHAW COMMUNICATIONS INC CL B CONV 82028K200 11,583 381,773 SH   DFND 381,773 0 0
SHAW COMMUNICATIONS INC CL B CONV 82028K200 2,562 84,443 SH   OTR 0 84,443 0
SHOPIFY INC CL A 82509L107 2,156 1,565 SH   DFND 1,565 0 0
SHOPIFY INC CL A 82509L107 329 239 SH   OTR 0 239 0
SONY GROUP CORPORATION SPONSORED ADR 835699307 207 1,638 SH   DFND 1,638 0 0
SOUTHERN CO COM 842587107 217 3,164 SH   OTR 0 3,164 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,225 2,579 SH   DFND 2,579 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 537 1,131 SH   OTR 0 1,131 0
SPDR SER TR S&P DIVID ETF 78464A763 293 2,269 SH   DFND 2,269 0 0
SPROTT PHYSICAL PLAT PALLAD UNIT 85207Q104 279 20,014 SH   DFND 20,014 0 0
STANTEC INC COM 85472N109 2,548 45,298 SH   DFND 45,298 0 0
STARBUCKS CORP COM 855244109 219 1,872 SH   DFND 1,872 0 0
SUN LIFE FINANCIAL INC. COM 866796105 6,071 109,014 SH   DFND 109,014 0 0
SUN LIFE FINANCIAL INC. COM 866796105 3,043 54,642 SH   OTR 0 54,642 0
SUNCOR ENERGY INC NEW COM 867224107 8,064 322,173 SH   DFND 322,173 0 0
SUNCOR ENERGY INC NEW COM 867224107 4,448 177,707 SH   OTR 0 177,707 0
TC ENERGY CORP COM 87807B107 15,278 328,277 SH   DFND 328,277 0 0
TC ENERGY CORP COM 87807B107 18,817 404,319 SH   OTR 0 404,319 0
TE CONNECTIVITY LTD SHS H84989104 3,808 23,602 SH   OTR 0 23,602 0
TE CONNECTIVITY LTD SHS H84989104 6,618 41,019 SH   DFND 41,019 0 0
TECK RESOURCES LTD CL B 878742204 467 16,204 SH   DFND 16,204 0 0
TELUS CORPORATION COM 87971M103 19,769 838,736 SH   DFND 838,736 0 0
TELUS CORPORATION COM 87971M103 7,264 308,188 SH   OTR 0 308,188 0
THERMO FISHER SCIENTIFIC INC COM 883556102 357 535 SH   DFND 535 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 577 865 SH   OTR 0 865 0
THOMSON REUTERS CORP. COM NEW 884903709 15,443 129,100 SH   DFND 129,100 0 0
THOMSON REUTERS CORP. COM NEW 884903709 2,295 19,186 SH   OTR 0 19,186 0
TORONTO DOMINION BK ONT COM NEW 891160509 43,567 568,166 SH   DFND 568,166 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 24,431 318,610 SH   OTR 0 318,610 0
TRAVELERS COMPANIES INC COM 89417E109 1,892 12,095 SH   DFND 12,095 0 0
UNILEVER PLC SPON ADR NEW 904767704 1,769 32,887 SH   DFND 32,887 0 0
UNION PAC CORP COM 907818108 352 1,397 SH   DFND 1,397 0 0
UNION PAC CORP COM 907818108 388 1,540 SH   OTR 0 1,540 0
UNITED PARCEL SERVICE INC CL B 911312106 206 961 SH   DFND 961 0 0
UNITED PARCEL SERVICE INC CL B 911312106 362 1,689 SH   OTR 0 1,689 0
UNITEDHEALTH GROUP INC COM 91324P102 2,193 4,367 SH   OTR 0 4,367 0
UNITEDHEALTH GROUP INC COM 91324P102 3,578 7,126 SH   DFND 7,126 0 0
VALERO ENERGY CORP COM 91913Y100 397 5,286 SH   DFND 5,286 0 0
VALERO ENERGY CORP COM 91913Y100 729 9,706 SH   OTR 0 9,706 0
VERISK ANALYTICS INC COM 92345Y106 335 1,465 SH   OTR 0 1,465 0
VERIZON COMMUNICATIONS INC COM 92343V104 321 6,178 SH   OTR 0 6,178 0
VISA INC COM CL A 92826C839 12,582 58,059 SH   DFND 58,059 0 0
VISA INC COM CL A 92826C839 5,460 25,195 SH   OTR 0 25,195 0
WALMART INC COM 931142103 217 1,500 SH   OTR 0 1,500 0
WASTE CONNECTIONS INC COM 94106B101 11,418 83,790 SH   DFND 83,790 0 0
WASTE CONNECTIONS INC COM 94106B101 1,570 11,521 SH   OTR 0 11,521 0
WASTE MGMT INC DEL COM 94106L109 1,243 7,448 SH   DFND 7,448 0 0
WHEATON PRECIOUS METALS CORP COM 962879102 536 12,485 SH   DFND 12,485 0 0