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 284 1,730 SH   OTR 0 1,730 0
ABBOTT LABS COM 002824100 1,374 30,512 SH   DFND 30,512 0 0
ABBOTT LABS COM 002824100 423 9,405 SH   OTR 0 9,405 0
ABBVIE INC COM 00287Y109 5,884 89,916 SH   DFND 89,916 0 0
ABBVIE INC COM 00287Y109 4,029 61,562 SH   OTR 0 61,562 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 485 5,425 SH   DFND 5,425 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 547 6,130 SH   OTR 0 6,130 0
AFLAC INC COM 001055102 330 5,400 SH   OTR 0 5,400 0
AGRIUM INC COM 008916108 7,020 74,114 SH   DFND 74,114 0 0
AGRIUM INC COM 008916108 1,115 11,770 SH   OTR 0 11,770 0
ALTRIA GROUP INC COM 02209S103 1,179 23,923 SH   DFND 23,923 0 0
AMERICAN EXPRESS CO COM 025816109 264 2,835 SH   OTR 0 2,835 0
APPLE INC COM 037833100 1,854 16,801 SH   OTR 0 16,801 0
APPLE INC COM 037833100 3,054 27,672 SH   DFND 27,672 0 0
AT&T INC COM 00206R102 936 27,860 SH   DFND 27,860 0 0
AT&T INC COM 00206R102 581 17,290 SH   OTR 0 17,290 0
AUTOMATIC DATA PROCESSING IN COM 053015103 2,647 31,745 SH   DFND 31,745 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 989 11,865 SH   OTR 0 11,865 0
AUTOZONE INC COM 053332102 310 500 SH   OTR 0 500 0
BANK MONTREAL QUE COM 063671101 25,003 353,501 SH   DFND 353,501 0 0
BANK MONTREAL QUE COM 063671101 17,847 252,327 SH   OTR 0 252,327 0
BANK N S HALIFAX COM 064149107 8,033 140,726 SH   DFND 140,726 0 0
BANK N S HALIFAX COM 064149107 13,909 243,673 SH   OTR 0 243,673 0
BARRICK GOLD CORP COM 067901108 219 20,367 SH   DFND 20,367 0 0
BARRICK GOLD CORP COM 067901108 184 17,100 SH   OTR 0 17,100 0
BAYTEX ENERGY CORP COM 07317Q105 407 24,480 SH   DFND 24,480 0 0
BAYTEX ENERGY CORP COM 07317Q105 255 15,373 SH   OTR 0 15,373 0
BCE INC COM NEW 05534B760 31,686 690,927 SH   DFND 690,927 0 0
BCE INC COM NEW 05534B760 17,779 387,678 SH   OTR 0 387,678 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 937 6,241 SH   OTR 0 6,241 0
BRISTOL MYERS SQUIBB CO COM 110122108 233 3,955 SH   OTR 0 3,955 0
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 745 14,859 SH   OTR 0 14,859 0
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 2,122 42,327 SH   DFND 42,327 0 0
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101 1,569 37,474 SH   DFND 37,474 0 0
BROOKFIELD RENEWABLE ENRGY P PARTNERSHIP UNIT G16258108 341 11,015 SH   OTR 0 11,015 0
BROOKFIELD RENEWABLE ENRGY P PARTNERSHIP UNIT G16258108 4,877 157,670 SH   DFND 157,670 0 0
CAMECO CORP COM 13321L108 390 23,754 SH   DFND 23,754 0 0
CAMECO CORP COM 13321L108 1,240 75,580 SH   OTR 0 75,580 0
CANADIAN NAT RES LTD COM 136385101 7,576 245,327 SH   DFND 245,327 0 0
CANADIAN NAT RES LTD COM 136385101 6,996 226,564 SH   OTR 0 226,564 0
CANADIAN NATL RY CO COM 136375102 18,070 262,224 SH   DFND 262,224 0 0
CANADIAN NATL RY CO COM 136375102 18,514 268,670 SH   OTR 0 268,670 0
CANADIAN PAC RY LTD COM 13645T100 4,044 20,989 SH   DFND 20,989 0 0
CANADIAN PAC RY LTD COM 13645T100 2,072 10,753 SH   OTR 0 10,753 0
CATERPILLAR INC DEL COM 149123101 330 3,600 SH   OTR 0 3,600 0
CDN IMPERIAL BK COMM TORONTO COM 136069101 9,609 111,801 SH   OTR 0 111,801 0
CDN IMPERIAL BK COMM TORONTO COM 136069101 18,168 211,376 SH   DFND 211,376 0 0
CENOVUS ENERGY INC COM 15135U109 6,165 299,014 SH   DFND 299,014 0 0
CENOVUS ENERGY INC COM 15135U109 5,479 265,689 SH   OTR 0 265,689 0
CHEVRON CORP NEW COM 166764100 1,256 11,194 SH   DFND 11,194 0 0
CHEVRON CORP NEW COM 166764100 1,336 11,911 SH   OTR 0 11,911 0
CHUBB CORP COM 171232101 2,404 23,230 SH   DFND 23,230 0 0
CHUBB CORP COM 171232101 1,086 10,500 SH   OTR 0 10,500 0
CISCO SYS INC COM 17275R102 424 15,249 SH   DFND 15,249 0 0
CISCO SYS INC COM 17275R102 339 12,190 SH   OTR 0 12,190 0
CITIGROUP INC COM NEW 172967424 2,296 42,435 SH   DFND 42,435 0 0
CITIGROUP INC COM NEW 172967424 766 14,155 SH   OTR 0 14,155 0
COCA COLA CO COM 191216100 289 6,845 SH   OTR 0 6,845 0
COCA COLA CO COM 191216100 585 13,849 SH   DFND 13,849 0 0
COLGATE PALMOLIVE CO COM 194162103 1,228 17,750 SH   DFND 17,750 0 0
COLGATE PALMOLIVE CO COM 194162103 2,152 31,105 SH   OTR 0 31,105 0
COMCAST CORP NEW CL A 20030N101 1,943 33,495 SH   DFND 33,495 0 0
COMCAST CORP NEW CL A 20030N101 2,170 37,405 SH   OTR 0 37,405 0
CONOCOPHILLIPS COM 20825C104 1,250 18,100 SH   DFND 18,100 0 0
CONOCOPHILLIPS COM 20825C104 333 4,820 SH   OTR 0 4,820 0
CRESCENT PT ENERGY CORP COM 22576C101 15,421 665,863 SH   DFND 665,863 0 0
CRESCENT PT ENERGY CORP COM 22576C101 5,383 232,433 SH   OTR 0 232,433 0
CSX CORP COM 126408103 273 7,530 SH   OTR 0 7,530 0
CVS HEALTH CORP COM 126650100 3,537 36,729 SH   OTR 0 36,729 0
CVS HEALTH CORP COM 126650100 371 3,855 SH   DFND 3,855 0 0
DIAGEO P L C SPON ADR NEW 25243Q205 682 5,980 SH   OTR 0 5,980 0
DISNEY WALT CO COM DISNEY 254687106 818 8,680 SH   OTR 0 8,680 0
DU PONT E I DE NEMOURS & CO COM 263534109 3,181 43,025 SH   DFND 43,025 0 0
DU PONT E I DE NEMOURS & CO COM 263534109 1,772 23,970 SH   OTR 0 23,970 0
DUKE ENERGY CORP NEW COM NEW 26441C204 386 4,625 SH   OTR 0 4,625 0
ENBRIDGE ENERGY PARTNERS L P COM 29250R106 204 5,125 SH   OTR 0 5,125 0
ENBRIDGE INC COM 29250N105 22,369 435,105 SH   DFND 435,105 0 0
ENBRIDGE INC COM 29250N105 23,113 449,586 SH   OTR 0 449,586 0
ENCANA CORP COM 292505104 924 66,626 SH   DFND 66,626 0 0
ENCANA CORP COM 292505104 1,029 74,163 SH   OTR 0 74,163 0
ENTERPRISE PRODS PARTNERS L COM 293792107 325 9,000 SH   OTR 0 9,000 0
EXXON MOBIL CORP COM 30231G102 2,956 31,975 SH   DFND 31,975 0 0
EXXON MOBIL CORP COM 30231G102 2,399 25,954 SH   OTR 0 25,954 0
FACEBOOK INC CL A 30303M102 234 3,000 SH   OTR 0 3,000 0
GENERAL ELECTRIC CO COM 369604103 5,507 217,932 SH   DFND 217,932 0 0
GENERAL ELECTRIC CO COM 369604103 4,662 184,480 SH   OTR 0 184,480 0
GILEAD SCIENCES INC COM 375558103 259 2,750 SH   OTR 0 2,750 0
GOLDCORP INC NEW COM 380956409 1,656 89,443 SH   DFND 89,443 0 0
GOLDCORP INC NEW COM 380956409 852 46,021 SH   OTR 0 46,021 0
GOOGLE INC CL A 38259P508 353 666 SH   OTR 0 666 0
GROUPE CGI INC CL A SUB VTG 39945C109 243 6,357 SH   OTR 0 6,357 0
HOME DEPOT INC COM 437076102 281 2,675 SH   OTR 0 2,675 0
HONEYWELL INTL INC COM 438516106 1,668 16,690 SH   DFND 16,690 0 0
HONEYWELL INTL INC COM 438516106 2,212 22,140 SH   OTR 0 22,140 0
ILLINOIS TOOL WKS INC COM 452308109 394 4,158 SH   OTR 0 4,158 0
IMPERIAL OIL LTD COM NEW 453038408 1,364 31,697 SH   DFND 31,697 0 0
IMPERIAL OIL LTD COM NEW 453038408 563 13,086 SH   OTR 0 13,086 0
INTEL CORP COM 458140100 320 8,810 SH   OTR 0 8,810 0
INTERNATIONAL BUSINESS MACHS COM 459200101 846 5,276 SH   DFND 5,276 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 553 3,445 SH   OTR 0 3,445 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 207 2,040 SH   OTR 0 2,040 0
ISHARES INTL SEL DIV ETF 464288448 421 12,500 SH   OTR 0 12,500 0
ISHARES EAFE VALUE ETF 464288877 218 4,270 SH   DFND 4,270 0 0
ISHARES EAFE GRWTH ETF 464288885 304 4,625 SH   DFND 4,625 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 415 10,550 SH   DFND 10,550 0 0
ISHARES TR MSCI EAFE ETF 464287465 401 6,585 SH   DFND 6,585 0 0
JOHNSON & JOHNSON COM 478160104 6,094 58,277 SH   DFND 58,277 0 0
JOHNSON & JOHNSON COM 478160104 4,581 43,811 SH   OTR 0 43,811 0
JPMORGAN CHASE & CO COM 46625H100 3,535 56,487 SH   DFND 56,487 0 0
JPMORGAN CHASE & CO COM 46625H100 2,060 32,923 SH   OTR 0 32,923 0
KINDER MORGAN INC DEL COM 49456B101 1,067 25,230 SH   DFND 25,230 0 0
KINDER MORGAN INC DEL COM 49456B101 207 4,900 SH   OTR 0 4,900 0
MAGNA INTL INC COM 559222401 2,754 25,341 SH   OTR 0 25,341 0
MAGNA INTL INC COM 559222401 5,173 47,598 SH   DFND 47,598 0 0
MANULIFE FINL CORP COM 56501R106 4,153 217,551 SH   OTR 0 217,551 0
MANULIFE FINL CORP COM 56501R106 2,695 141,192 SH   DFND 141,192 0 0
MARKEL CORP COM 570535104 526 770 SH   OTR 0 770 0
MCDONALDS CORP COM 580135101 3,871 41,310 SH   DFND 41,310 0 0
MCDONALDS CORP COM 580135101 2,707 28,895 SH   OTR 0 28,895 0
MERCK & CO INC NEW COM 58933Y105 3,457 60,865 SH   DFND 60,865 0 0
MERCK & CO INC NEW COM 58933Y105 1,697 29,875 SH   OTR 0 29,875 0
METLIFE INC COM 59156R108 357 6,595 SH   OTR 0 6,595 0
MICROSOFT CORP COM 594918104 2,621 56,430 SH   DFND 56,430 0 0
MICROSOFT CORP COM 594918104 3,091 66,550 SH   OTR 0 66,550 0
NOVARTIS A G SPONSORED ADR 66987V109 201 2,170 SH   OTR 0 2,170 0
OCCIDENTAL PETE CORP DEL COM 674599105 396 4,910 SH   OTR 0 4,910 0
ORACLE CORP COM 68389X105 461 10,260 SH   OTR 0 10,260 0
PAYCHEX INC COM 704326107 466 10,085 SH   DFND 10,085 0 0
PEMBINA PIPELINE CORP COM 706327103 7,540 207,082 SH   DFND 207,082 0 0
PEMBINA PIPELINE CORP COM 706327103 411 11,290 SH   OTR 0 11,290 0
PEPSICO INC COM 713448108 1,072 11,341 SH   DFND 11,341 0 0
PEPSICO INC COM 713448108 1,585 16,765 SH   OTR 0 16,765 0
PFIZER INC COM 717081103 6,065 194,702 SH   DFND 194,702 0 0
PFIZER INC COM 717081103 4,196 134,708 SH   OTR 0 134,708 0
PHILIP MORRIS INTL INC COM 718172109 2,845 34,932 SH   DFND 34,932 0 0
PHILIP MORRIS INTL INC COM 718172109 700 8,592 SH   OTR 0 8,592 0
POTASH CORP SASK INC COM 73755L107 3,424 96,944 SH   DFND 96,944 0 0
POTASH CORP SASK INC COM 73755L107 1,716 48,582 SH   OTR 0 48,582 0
PPG INDS INC COM 693506107 418 1,810 SH   DFND 1,810 0 0
PPG INDS INC COM 693506107 300 1,300 SH   OTR 0 1,300 0
PRAXAIR INC COM 74005P104 452 3,492 SH   DFND 3,492 0 0
PRAXAIR INC COM 74005P104 2,208 17,045 SH   OTR 0 17,045 0
PROCTER & GAMBLE CO COM 742718109 5,829 63,997 SH   DFND 63,997 0 0
PROCTER & GAMBLE CO COM 742718109 5,191 56,986 SH   OTR 0 56,986 0
QUALCOMM INC COM 747525103 292 3,925 SH   OTR 0 3,925 0
ROGERS COMMUNICATIONS INC CL B 775109200 8,775 225,816 SH   DFND 225,816 0 0
ROGERS COMMUNICATIONS INC CL B 775109200 7,375 189,786 SH   OTR 0 189,786 0
ROYAL BK CDA MONTREAL QUE COM 780087102 54,110 783,410 SH   DFND 783,410 0 0
ROYAL BK CDA MONTREAL QUE COM 780087102 37,208 538,698 SH   OTR 0 538,698 0
SHAW COMMUNICATIONS INC CL B CONV 82028K200 2,007 74,365 SH   OTR 0 74,365 0
SHAW COMMUNICATIONS INC CL B CONV 82028K200 3,917 145,143 SH   DFND 145,143 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 530 2,580 SH   DFND 2,580 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 458 2,230 SH   OTR 0 2,230 0
SUN LIFE FINL INC COM 866796105 3,971 110,123 SH   DFND 110,123 0 0
SUN LIFE FINL INC COM 866796105 4,460 123,677 SH   OTR 0 123,677 0
SUNCOR ENERGY INC NEW COM 867224107 10,792 339,599 SH   DFND 339,599 0 0
SUNCOR ENERGY INC NEW COM 867224107 9,443 297,161 SH   OTR 0 297,161 0
TALISMAN ENERGY INC COM 87425E103 239 30,537 SH   OTR 0 30,537 0
TARGET CORP COM 87612E106 410 5,400 SH   OTR 0 5,400 0
TARGET CORP COM 87612E106 309 4,075 SH   DFND 4,075 0 0
TECK RESOURCES LTD CL B 878742204 1,851 135,691 SH   OTR 0 135,691 0
TECK RESOURCES LTD CL B 878742204 9,178 672,852 SH   DFND 672,852 0 0
TELUS CORP COM 87971M103 18,276 507,100 SH   DFND 507,100 0 0
TELUS CORP COM 87971M103 7,016 194,678 SH   OTR 0 194,678 0
THOMSON REUTERS CORP COM 884903105 13,878 344,028 SH   DFND 344,028 0 0
THOMSON REUTERS CORP COM 884903105 8,752 216,963 SH   OTR 0 216,963 0
TORONTO DOMINION BK ONT COM NEW 891160509 31,556 660,449 SH   DFND 660,449 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 32,991 690,471 SH   OTR 0 690,471 0
TRANSALTA CORP COM 89346D107 1,212 133,790 SH   DFND 133,790 0 0
TRANSALTA CORP COM 89346D107 164 18,099 SH   OTR 0 18,099 0
TRANSCANADA CORP COM 89353D107 26,918 548,231 SH   DFND 548,231 0 0
TRANSCANADA CORP COM 89353D107 17,976 366,104 SH   OTR 0 366,104 0
UNION PAC CORP COM 907818108 269 2,256 SH   DFND 2,256 0 0
V F CORP COM 918204108 3,094 41,311 SH   DFND 41,311 0 0
V F CORP COM 918204108 409 5,460 SH   OTR 0 5,460 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 450 11,250 SH   OTR 0 11,250 0
VERIZON COMMUNICATIONS INC COM 92343V104 2,910 62,215 SH   DFND 62,215 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 858 18,333 SH   OTR 0 18,333 0
VERMILION ENERGY INC COM 923725105 11,656 237,838 SH   DFND 237,838 0 0
VERMILION ENERGY INC COM 923725105 2,127 43,395 SH   OTR 0 43,395 0
VISA INC COM CL A 92826C839 227 865 SH   OTR 0 865 0
WELLS FARGO & CO NEW COM 949746101 4,300 78,443 SH   OTR 0 78,443 0
WELLS FARGO & CO NEW COM 949746101 5,242 95,614 SH   DFND 95,614 0 0