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 370 2,610 SH   OTR 0 2,610 0
ABBOTT LABS COM 002824100 1,238 29,770 SH   DFND 29,770 0 0
ABBOTT LABS COM 002824100 357 8,585 SH   OTR 0 8,585 0
ABBVIE INC COM 00287Y109 5,360 92,793 SH   DFND 92,793 0 0
ABBVIE INC COM 00287Y109 3,569 61,797 SH   OTR 0 61,797 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 509 6,255 SH   DFND 6,255 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 528 6,490 SH   OTR 0 6,490 0
AFLAC INC COM 001055102 411 7,050 SH   OTR 0 7,050 0
AGRIUM INC COM 008916108 1,449 16,287 SH   DFND 16,287 0 0
AGRIUM INC COM 008916108 1,194 13,420 SH   OTR 0 13,420 0
ALTRIA GROUP INC COM 02209S103 1,100 23,951 SH   DFND 23,951 0 0
AMERICAN EXPRESS CO COM 025816109 298 3,404 SH   OTR 0 3,404 0
APPLE INC COM 037833100 1,642 16,293 SH   OTR 0 16,293 0
APPLE INC COM 037833100 2,504 24,857 SH   DFND 24,857 0 0
AT&T INC COM 00206R102 982 27,860 SH   DFND 27,860 0 0
AT&T INC COM 00206R102 611 17,330 SH   OTR 0 17,330 0
AUTOMATIC DATA PROCESSING IN COM 053015103 2,132 25,660 SH   DFND 25,660 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 847 10,190 SH   OTR 0 10,190 0
BANK MONTREAL QUE COM 063671101 28,636 388,966 SH   DFND 388,966 0 0
BANK MONTREAL QUE COM 063671101 19,015 258,285 SH   OTR 0 258,285 0
BANK N S HALIFAX COM 064149107 9,512 153,792 SH   DFND 153,792 0 0
BANK N S HALIFAX COM 064149107 17,013 275,065 SH   OTR 0 275,065 0
BARRICK GOLD CORP COM 067901108 367 25,042 SH   DFND 25,042 0 0
BARRICK GOLD CORP COM 067901108 367 25,015 SH   OTR 0 25,015 0
BAYTEX ENERGY CORP COM 07317Q105 6,700 176,967 SH   DFND 176,967 0 0
BAYTEX ENERGY CORP COM 07317Q105 571 15,082 SH   OTR 0 15,082 0
BCE INC COM NEW 05534B760 18,263 427,116 SH   DFND 427,116 0 0
BCE INC COM NEW 05534B760 16,786 392,573 SH   OTR 0 392,573 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 862 6,241 SH   OTR 0 6,241 0
BRISTOL MYERS SQUIBB CO COM 110122108 202 3,955 SH   OTR 0 3,955 0
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 1,951 43,387 SH   DFND 43,387 0 0
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 768 17,077 SH   OTR 0 17,077 0
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101 1,381 36,346 SH   DFND 36,346 0 0
BROOKFIELD RENEWABLE ENRGY P PARTNERSHIP UNIT G16258108 375 12,315 SH   OTR 0 12,315 0
BROOKFIELD RENEWABLE ENRGY P PARTNERSHIP UNIT G16258108 4,969 163,072 SH   DFND 163,072 0 0
CAMECO CORP COM 13321L108 444 25,154 SH   DFND 25,154 0 0
CAMECO CORP COM 13321L108 1,383 78,290 SH   OTR 0 78,290 0
CANADIAN NAT RES LTD COM 136385101 9,726 250,423 SH   DFND 250,423 0 0
CANADIAN NAT RES LTD COM 136385101 9,006 231,864 SH   OTR 0 231,864 0
CANADIAN NATL RY CO COM 136375102 19,536 275,311 SH   DFND 275,311 0 0
CANADIAN NATL RY CO COM 136375102 19,512 274,965 SH   OTR 0 274,965 0
CANADIAN PAC RY LTD COM 13645T100 2,301 11,089 SH   DFND 11,089 0 0
CANADIAN PAC RY LTD COM 13645T100 2,169 10,456 SH   OTR 0 10,456 0
CATERPILLAR INC DEL COM 149123101 357 3,600 SH   OTR 0 3,600 0
CDN IMPERIAL BK COMM TORONTO COM 136069101 19,939 221,915 SH   DFND 221,915 0 0
CDN IMPERIAL BK COMM TORONTO COM 136069101 10,023 111,551 SH   OTR 0 111,551 0
CENOVUS ENERGY INC COM 15135U109 7,325 272,483 SH   DFND 272,483 0 0
CENOVUS ENERGY INC COM 15135U109 7,014 260,938 SH   OTR 0 260,938 0
CHEVRON CORP NEW COM 166764100 1,366 11,445 SH   DFND 11,445 0 0
CHEVRON CORP NEW COM 166764100 1,451 12,161 SH   OTR 0 12,161 0
CHUBB CORP COM 171232101 2,056 22,570 SH   DFND 22,570 0 0
CHUBB CORP COM 171232101 991 10,885 SH   OTR 0 10,885 0
CISCO SYS INC COM 17275R102 384 15,275 SH   DFND 15,275 0 0
CISCO SYS INC COM 17275R102 399 15,840 SH   OTR 0 15,840 0
CITIGROUP INC COM NEW 172967424 2,179 42,045 SH   DFND 42,045 0 0
CITIGROUP INC COM NEW 172967424 776 14,978 SH   OTR 0 14,978 0
COCA COLA CO COM 191216100 676 15,849 SH   DFND 15,849 0 0
COCA COLA CO COM 191216100 273 6,393 SH   OTR 0 6,393 0
COLGATE PALMOLIVE CO COM 194162103 1,178 18,065 SH   DFND 18,065 0 0
COLGATE PALMOLIVE CO COM 194162103 2,029 31,105 SH   OTR 0 31,105 0
COMCAST CORP NEW CL A 20030N101 1,899 35,315 SH   OTR 0 35,315 0
COMCAST CORP NEW CL A 20030N101 1,771 32,931 SH   DFND 32,931 0 0
CONOCOPHILLIPS COM 20825C104 1,385 18,100 SH   DFND 18,100 0 0
CONOCOPHILLIPS COM 20825C104 410 5,355 SH   OTR 0 5,355 0
CRESCENT PT ENERGY CORP COM 22576C101 24,411 676,198 SH   DFND 676,198 0 0
CRESCENT PT ENERGY CORP COM 22576C101 8,450 234,058 SH   OTR 0 234,058 0
CSX CORP COM 126408103 268 8,370 SH   OTR 0 8,370 0
CVS HEALTH CORP COM 126650100 416 5,222 SH   DFND 5,222 0 0
CVS HEALTH CORP COM 126650100 2,787 35,014 SH   OTR 0 35,014 0
DANAHER CORP DEL COM 235851102 215 2,830 SH   OTR 0 2,830 0
DIAGEO P L C SPON ADR NEW 25243Q205 790 6,843 SH   OTR 0 6,843 0
DISNEY WALT CO COM DISNEY 254687106 550 6,180 SH   OTR 0 6,180 0
DU PONT E I DE NEMOURS & CO COM 263534109 3,227 44,965 SH   DFND 44,965 0 0
DU PONT E I DE NEMOURS & CO COM 263534109 1,758 24,495 SH   OTR 0 24,495 0
DUKE ENERGY CORP NEW COM NEW 26441C204 346 4,625 SH   OTR 0 4,625 0
ENBRIDGE INC COM 29250N105 20,519 428,558 SH   DFND 428,558 0 0
ENBRIDGE INC COM 29250N105 22,528 470,509 SH   OTR 0 470,509 0
ENCANA CORP COM 292505104 1,626 76,683 SH   DFND 76,683 0 0
ENCANA CORP COM 292505104 2,397 113,019 SH   OTR 0 113,019 0
ENERPLUS CORP COM 292766102 5,763 303,800 SH   DFND 303,800 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 363 9,000 SH   OTR 0 9,000 0
EXXON MOBIL CORP COM 30231G102 2,418 25,709 SH   OTR 0 25,709 0
EXXON MOBIL CORP COM 30231G102 3,068 32,625 SH   DFND 32,625 0 0
FACEBOOK INC CL A 30303M102 237 3,000 SH   OTR 0 3,000 0
GENERAL ELECTRIC CO COM 369604103 4,723 184,350 SH   OTR 0 184,350 0
GENERAL ELECTRIC CO COM 369604103 5,807 226,672 SH   DFND 226,672 0 0
GENERAL MTRS CO COM 37045V100 201 6,300 SH   OTR 0 6,300 0
GILEAD SCIENCES INC COM 375558103 285 2,675 SH   OTR 0 2,675 0
GOLDCORP INC NEW COM 380956409 2,038 88,513 SH   DFND 88,513 0 0
GOLDCORP INC NEW COM 380956409 1,029 44,696 SH   OTR 0 44,696 0
GOOGLE INC CL A 38259P508 392 666 SH   OTR 0 666 0
GOOGLE INC CL C 38259P706 211 366 SH   OTR 0 366 0
GROUPE CGI INC CL A SUB VTG 39945C109 361 10,677 SH   OTR 0 10,677 0
HOME DEPOT INC COM 437076102 245 2,675 SH   OTR 0 2,675 0
HONEYWELL INTL INC COM 438516106 2,113 22,690 SH   OTR 0 22,690 0
HONEYWELL INTL INC COM 438516106 1,603 17,215 SH   DFND 17,215 0 0
IAC INTERACTIVECORP COM PAR $.001 44919P508 282 4,280 SH   OTR 0 4,280 0
ILLINOIS TOOL WKS INC COM 452308109 351 4,158 SH   OTR 0 4,158 0
IMPERIAL OIL LTD COM NEW 453038408 752 15,931 SH   OTR 0 15,931 0
INTEL CORP COM 458140100 516 14,810 SH   OTR 0 14,810 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,605 8,456 SH   DFND 8,456 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 708 3,730 SH   OTR 0 3,730 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 288 3,000 SH   OTR 0 3,000 0
ISHARES INTL SEL DIV ETF 464288448 447 12,500 SH   OTR 0 12,500 0
ISHARES EAFE VALUE ETF 464288877 233 4,270 SH   DFND 4,270 0 0
ISHARES EAFE GRWTH ETF 464288885 315 4,625 SH   DFND 4,625 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 472 11,356 SH   DFND 11,356 0 0
ISHARES TR MSCI EAFE ETF 464287465 443 6,915 SH   DFND 6,915 0 0
JOHNSON & JOHNSON COM 478160104 5,133 48,161 SH   OTR 0 48,161 0
JOHNSON & JOHNSON COM 478160104 6,391 59,961 SH   DFND 59,961 0 0
JPMORGAN CHASE & CO COM 46625H100 3,346 55,550 SH   DFND 55,550 0 0
JPMORGAN CHASE & CO COM 46625H100 1,731 28,733 SH   OTR 0 28,733 0
KELLOGG CO COM 487836108 206 3,340 SH   OTR 0 3,340 0
KINDER MORGAN INC DEL COM 49456B101 966 25,200 SH   DFND 25,200 0 0
MAGNA INTL INC COM 559222401 4,758 50,132 SH   DFND 50,132 0 0
MAGNA INTL INC COM 559222401 2,612 27,526 SH   OTR 0 27,526 0
MANULIFE FINL CORP COM 56501R106 3,021 156,948 SH   DFND 156,948 0 0
MANULIFE FINL CORP COM 56501R106 4,552 236,471 SH   OTR 0 236,471 0
MARKEL CORP COM 570535104 235 370 SH   OTR 0 370 0
MCDONALDS CORP COM 580135101 3,030 31,960 SH   OTR 0 31,960 0
MCDONALDS CORP COM 580135101 4,358 45,970 SH   DFND 45,970 0 0
MERCK & CO INC NEW COM 58933Y105 3,578 60,366 SH   DFND 60,366 0 0
MERCK & CO INC NEW COM 58933Y105 1,923 32,435 SH   OTR 0 32,435 0
METLIFE INC COM 59156R108 370 6,885 SH   OTR 0 6,885 0
MICROSOFT CORP COM 594918104 2,963 63,910 SH   DFND 63,910 0 0
MICROSOFT CORP COM 594918104 3,527 76,085 SH   OTR 0 76,085 0
NOVARTIS A G SPONSORED ADR 66987V109 203 2,160 SH   OTR 0 2,160 0
OCCIDENTAL PETE CORP DEL COM 674599105 391 4,066 SH   OTR 0 4,066 0
ONEOK PARTNERS LP UNIT LTD PARTN 68268N103 224 4,000 SH   OTR 0 4,000 0
OPEN TEXT CORP COM 683715106 203 3,660 SH   OTR 0 3,660 0
ORACLE CORP COM 68389X105 468 12,235 SH   OTR 0 12,235 0
PAYCHEX INC COM 704326107 464 10,494 SH   DFND 10,494 0 0
PEMBINA PIPELINE CORP COM 706327103 703 16,678 SH   OTR 0 16,678 0
PEMBINA PIPELINE CORP COM 706327103 274 6,511 SH   DFND 6,511 0 0
PEPSICO INC COM 713448108 1,066 11,451 SH   DFND 11,451 0 0
PEPSICO INC COM 713448108 1,561 16,765 SH   OTR 0 16,765 0
PFIZER INC COM 717081103 5,648 191,002 SH   DFND 191,002 0 0
PFIZER INC COM 717081103 3,999 135,228 SH   OTR 0 135,228 0
PHILIP MORRIS INTL INC COM 718172109 2,940 35,253 SH   DFND 35,253 0 0
PHILIP MORRIS INTL INC COM 718172109 733 8,787 SH   OTR 0 8,787 0
POTASH CORP SASK INC COM 73755L107 3,365 97,377 SH   DFND 97,377 0 0
POTASH CORP SASK INC COM 73755L107 1,720 49,767 SH   OTR 0 49,767 0
PPG INDS INC COM 693506107 425 2,160 SH   DFND 2,160 0 0
PPG INDS INC COM 693506107 256 1,300 SH   OTR 0 1,300 0
PRAXAIR INC COM 74005P104 595 4,613 SH   DFND 4,613 0 0
PRAXAIR INC COM 74005P104 2,118 16,420 SH   OTR 0 16,420 0
PROCTER & GAMBLE CO COM 742718109 5,597 66,833 SH   DFND 66,833 0 0
PROCTER & GAMBLE CO COM 742718109 4,682 55,916 SH   OTR 0 55,916 0
QUALCOMM INC COM 747525103 542 7,245 SH   OTR 0 7,245 0
ROGERS COMMUNICATIONS INC CL B 775109200 18,472 493,655 SH   DFND 493,655 0 0
ROGERS COMMUNICATIONS INC CL B 775109200 7,278 194,496 SH   OTR 0 194,496 0
ROYAL BK CDA MONTREAL QUE COM 780087102 53,979 755,483 SH   DFND 755,483 0 0
ROYAL BK CDA MONTREAL QUE COM 780087102 38,214 534,838 SH   OTR 0 534,838 0
SHAW COMMUNICATIONS INC CL B CONV 82028K200 2,037 83,255 SH   OTR 0 83,255 0
SHAW COMMUNICATIONS INC CL B CONV 82028K200 3,605 147,333 SH   DFND 147,333 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 508 2,580 SH   DFND 2,580 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 444 2,255 SH   OTR 0 2,255 0
SUN LIFE FINL INC COM 866796105 12,219 336,887 SH   DFND 336,887 0 0
SUN LIFE FINL INC COM 866796105 4,536 125,055 SH   OTR 0 125,055 0
SUNCOR ENERGY INC NEW COM 867224107 11,053 305,744 SH   DFND 305,744 0 0
SUNCOR ENERGY INC NEW COM 867224107 10,674 295,258 SH   OTR 0 295,258 0
TALISMAN ENERGY INC COM 87425E103 95 10,953 SH   DFND 10,953 0 0
TALISMAN ENERGY INC COM 87425E103 304 35,111 SH   OTR 0 35,111 0
TARGET CORP COM 87612E106 270 4,300 SH   DFND 4,300 0 0
TARGET CORP COM 87612E106 445 7,100 SH   OTR 0 7,100 0
TECK RESOURCES LTD CL B 878742204 2,798 148,115 SH   OTR 0 148,115 0
TECK RESOURCES LTD CL B 878742204 4,355 230,548 SH   DFND 230,548 0 0
TELUS CORP COM 87971M103 7,005 204,948 SH   OTR 0 204,948 0
TELUS CORP COM 87971M103 21,532 629,969 SH   DFND 629,969 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 230 1,890 SH   OTR 0 1,890 0
THOMSON REUTERS CORP COM 884903105 12,536 344,289 SH   DFND 344,289 0 0
THOMSON REUTERS CORP COM 884903105 8,045 220,948 SH   OTR 0 220,948 0
TIM HORTONS INC COM 88706M103 473 6,005 SH   OTR 0 6,005 0
TORONTO DOMINION BK ONT COM NEW 891160509 32,921 666,566 SH   DFND 666,566 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 34,504 698,599 SH   OTR 0 698,599 0
TRANSALTA CORP COM 89346D107 129 12,315 SH   DFND 12,315 0 0
TRANSALTA CORP COM 89346D107 200 19,069 SH   OTR 0 19,069 0
TRANSCANADA CORP COM 89353D107 19,869 385,580 SH   OTR 0 385,580 0
TRANSCANADA CORP COM 89353D107 24,270 470,982 SH   DFND 470,982 0 0
UNION PAC CORP COM 907818108 252 2,320 SH   DFND 2,320 0 0
V F CORP COM 918204108 297 4,500 SH   OTR 0 4,500 0
V F CORP COM 918204108 2,641 39,992 SH   DFND 39,992 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,129 27,060 SH   OTR 0 27,060 0
VERIZON COMMUNICATIONS INC COM 92343V104 3,140 62,815 SH   DFND 62,815 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 886 17,714 SH   OTR 0 17,714 0
VERMILION ENERGY INC COM 923725105 7,027 115,625 SH   DFND 115,625 0 0
VERMILION ENERGY INC COM 923725105 2,863 47,120 SH   OTR 0 47,120 0
VISA INC COM CL A 92826C839 317 1,484 SH   OTR 0 1,484 0
WELLS FARGO & CO NEW COM 949746101 4,975 95,915 SH   DFND 95,915 0 0
WELLS FARGO & CO NEW COM 949746101 3,922 75,613 SH   OTR 0 75,613 0
YAMANA GOLD INC COM 98462Y100 91 15,085 SH   OTR 0 15,085 0