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 991 6,376 SH   DFND 1 6,376 0 0
3M CO COM 88579Y101 799 5,144 SH   OTR 1 0 5,144 0
ABBOTT LABS COM 002824100 589 11,925 SH   OTR 1 0 11,925 0
ABBOTT LABS COM 002824100 1,522 30,809 SH   DFND 1 30,809 0 0
ABBVIE INC COM 00287Y109 3,967 58,153 SH   DFND 1 58,153 0 0
ABBVIE INC COM 00287Y109 3,631 53,227 SH   OTR 1 0 53,227 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 456 4,680 SH   OTR 1 0 4,680 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 426 4,375 SH   DFND 1 4,375 0 0
AGRIUM INC COM 008916108 1,295 12,125 SH   OTR 1 0 12,125 0
AGRIUM INC COM 008916108 8,217 76,907 SH   DFND 1 76,907 0 0
ALTRIA GROUP INC COM 02209S103 1,201 24,521 SH   DFND 1 24,521 0 0
APPLE INC COM 037833100 2,840 22,463 SH   OTR 1 0 22,463 0
APPLE INC COM 037833100 4,021 31,803 SH   DFND 1 31,803 0 0
AT&T INC COM 00206R102 1,002 28,035 SH   DFND 1 28,035 0 0
AT&T INC COM 00206R102 886 24,791 SH   OTR 1 0 24,791 0
AUTOMATIC DATA PROCESSING IN COM 053015103 1,424 17,614 SH   DFND 1 17,614 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 396 4,897 SH   OTR 1 0 4,897 0
AUTOZONE INC COM 053332102 1,692 2,519 SH   DFND 1 2,519 0 0
AUTOZONE INC COM 053332102 814 1,212 SH   OTR 1 0 1,212 0
BANK MONTREAL QUE COM 063671101 13,793 233,775 SH   DFND 1 233,775 0 0
BANK MONTREAL QUE COM 063671101 14,100 238,977 SH   OTR 1 0 238,977 0
BANK N S HALIFAX COM 064149107 16,108 318,850 SH   OTR 1 0 318,850 0
BANK N S HALIFAX COM 064149107 26,881 532,092 SH   DFND 1 532,092 0 0
BARRICK GOLD CORP COM 067901108 123 11,615 SH   DFND 1 11,615 0 0
BARRICK GOLD CORP COM 067901108 111 10,546 SH   OTR 1 0 10,546 0
BAYTEX ENERGY CORP COM 07317Q105 2,343 153,339 SH   DFND 1 153,339 0 0
BCE INC COM NEW 05534B760 37,719 881,489 SH   DFND 1 881,489 0 0
BCE INC COM NEW 05534B760 18,142 423,984 SH   OTR 1 0 423,984 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 850 6,185 SH   OTR 1 0 6,185 0
BRISTOL MYERS SQUIBB CO COM 110122108 267 3,955 SH   OTR 1 0 3,955 0
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 2,755 77,846 SH   DFND 1 77,846 0 0
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 634 17,916 SH   OTR 1 0 17,916 0
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101 1,627 36,433 SH   DFND 1 36,433 0 0
BROOKFIELD PPTY PARTNERS L P UNIT LTD PARTN G16249107 240 10,777 SH   OTR 1 0 10,777 0
BROOKFIELD RENEWABLE ENRGY P PARTNERSHIP UNIT G16258108 9,454 320,367 SH   DFND 1 320,367 0 0
BROOKFIELD RENEWABLE ENRGY P PARTNERSHIP UNIT G16258108 290 9,840 SH   OTR 1 0 9,840 0
CAMECO CORP COM 13321L108 327 22,519 SH   DFND 1 22,519 0 0
CAMECO CORP COM 13321L108 845 58,210 SH   OTR 1 0 58,210 0
CANADIAN NAT RES LTD COM 136385101 6,410 237,598 SH   DFND 1 237,598 0 0
CANADIAN NAT RES LTD COM 136385101 5,913 219,173 SH   OTR 1 0 219,173 0
CANADIAN NATL RY CO COM 136375102 13,666 233,400 SH   DFND 1 233,400 0 0
CANADIAN NATL RY CO COM 136375102 14,998 256,158 SH   OTR 1 0 256,158 0
CANADIAN PAC RY LTD COM 13645T100 1,599 9,902 SH   OTR 1 0 9,902 0
CANADIAN PAC RY LTD COM 13645T100 3,428 21,222 SH   DFND 1 21,222 0 0
CATERPILLAR INC DEL COM 149123101 219 2,600 SH   OTR 1 0 2,600 0
CDN IMPERIAL BK COMM TORONTO COM 136069101 20,778 283,968 SH   DFND 1 283,968 0 0
CDN IMPERIAL BK COMM TORONTO COM 136069101 8,305 113,501 SH   OTR 1 0 113,501 0
CENOVUS ENERGY INC COM 15135U109 2,336 148,987 SH   OTR 1 0 148,987 0
CENOVUS ENERGY INC COM 15135U109 1,460 93,103 SH   DFND 1 93,103 0 0
CHECK POINT SOFTWARE TECH LT ORD M22465104 594 7,397 SH   DFND 1 7,397 0 0
CHECK POINT SOFTWARE TECH LT ORD M22465104 284 3,535 SH   OTR 1 0 3,535 0
CHEVRON CORP NEW COM 166764100 1,098 11,450 SH   DFND 1 11,450 0 0
CHEVRON CORP NEW COM 166764100 1,050 10,950 SH   OTR 1 0 10,950 0
CHUBB CORP COM 171232101 2,883 23,735 SH   DFND 1 23,735 0 0
CHUBB CORP COM 171232101 1,268 10,435 SH   OTR 1 0 10,435 0
CISCO SYS INC COM 17275R102 271 9,899 SH   OTR 1 0 9,899 0
CITIGROUP INC COM NEW 172967424 978 17,655 SH   OTR 1 0 17,655 0
CITIGROUP INC COM NEW 172967424 3,311 59,800 SH   DFND 1 59,800 0 0
COCA COLA CO COM 191216100 1,540 38,985 SH   DFND 1 38,985 0 0
COCA COLA CO COM 191216100 270 6,845 SH   OTR 1 0 6,845 0
COLGATE PALMOLIVE CO COM 194162103 1,234 18,650 SH   DFND 1 18,650 0 0
COLGATE PALMOLIVE CO COM 194162103 1,869 28,255 SH   OTR 1 0 28,255 0
COMCAST CORP NEW CL A 20030N101 2,311 37,070 SH   DFND 1 37,070 0 0
COMCAST CORP NEW CL A 20030N101 2,382 38,215 SH   OTR 1 0 38,215 0
CONOCOPHILLIPS COM 20825C104 1,095 18,100 SH   DFND 1 18,100 0 0
CONOCOPHILLIPS COM 20825C104 304 5,031 SH   OTR 1 0 5,031 0
CRESCENT PT ENERGY CORP COM 22576C101 2,158 105,958 SH   OTR 1 0 105,958 0
CRESCENT PT ENERGY CORP COM 22576C101 7,979 391,693 SH   DFND 1 391,693 0 0
CSX CORP COM 126408103 253 7,734 SH   OTR 1 0 7,734 0
CVS HEALTH CORP COM 126650100 3,775 35,763 SH   OTR 1 0 35,763 0
CVS HEALTH CORP COM 126650100 381 3,605 SH   DFND 1 3,605 0 0
DANAHER CORP DEL COM 235851102 763 8,793 SH   DFND 1 8,793 0 0
DANAHER CORP DEL COM 235851102 600 6,910 SH   OTR 1 0 6,910 0
DEERE & CO COM 244199105 1,081 11,220 SH   DFND 1 11,220 0 0
DEERE & CO COM 244199105 362 3,760 SH   OTR 1 0 3,760 0
DIAGEO P L C SPON ADR NEW 25243Q205 647 5,485 SH   OTR 1 0 5,485 0
DISNEY WALT CO COM DISNEY 254687106 1,324 11,515 SH   DFND 1 11,515 0 0
DISNEY WALT CO COM DISNEY 254687106 1,822 15,845 SH   OTR 1 0 15,845 0
DU PONT E I DE NEMOURS & CO COM 263534109 2,040 34,010 SH   DFND 1 34,010 0 0
DU PONT E I DE NEMOURS & CO COM 263534109 1,200 20,000 SH   OTR 1 0 20,000 0
DUKE ENERGY CORP NEW COM NEW 26441C204 319 4,402 SH   OTR 1 0 4,402 0
EMERSON ELEC CO COM 291011104 1,228 21,977 SH   DFND 1 21,977 0 0
EMERSON RADIO CORP COM NEW 291087203 13 11,000 SH   DFND 1 11,000 0 0
ENBRIDGE INC COM 29250N105 19,679 419,598 SH   OTR 1 0 419,598 0
ENBRIDGE INC COM 29250N105 20,019 426,845 SH   DFND 1 426,845 0 0
ENCANA CORP COM 292505104 396 36,021 SH   DFND 1 36,021 0 0
ENCANA CORP COM 292505104 629 57,200 SH   OTR 1 0 57,200 0
EXXON MOBIL CORP COM 30231G102 2,230 26,822 SH   OTR 1 0 26,822 0
EXXON MOBIL CORP COM 30231G102 2,191 26,350 SH   DFND 1 26,350 0 0
FACEBOOK INC CL A 30303M102 262 3,000 SH   OTR 1 0 3,000 0
FIDELITY NATL INFORMATION SV COM 31620M106 527 8,445 SH   DFND 1 8,445 0 0
FIDELITY NATL INFORMATION SV COM 31620M106 378 6,060 SH   OTR 1 0 6,060 0
GENERAL ELECTRIC CO COM 369604103 3,179 118,703 SH   DFND 1 118,703 0 0
GENERAL ELECTRIC CO COM 369604103 3,812 142,360 SH   OTR 1 0 142,360 0
GENERAL MTRS CO COM 37045V100 249 7,500 SH   OTR 1 0 7,500 0
GILEAD SCIENCES INC COM 375558103 374 3,250 SH   OTR 1 0 3,250 0
GOLDCORP INC NEW COM 380956409 807 49,866 SH   OTR 1 0 49,866 0
GOLDCORP INC NEW COM 380956409 1,704 105,309 SH   DFND 1 105,309 0 0
GOOGLE INC CL A 38259P508 1,985 3,626 SH   DFND 1 3,626 0 0
GOOGLE INC CL A 38259P508 1,801 3,290 SH   OTR 1 0 3,290 0
GROUPE CGI INC CL A SUB VTG 39945C109 216 5,431 SH   DFND 1 5,431 0 0
GROUPE CGI INC CL A SUB VTG 39945C109 270 6,777 SH   OTR 1 0 6,777 0
HOME DEPOT INC COM 437076102 299 2,685 SH   OTR 1 0 2,685 0
HONEYWELL INTL INC COM 438516106 1,878 18,320 SH   DFND 1 18,320 0 0
HONEYWELL INTL INC COM 438516106 2,353 22,955 SH   OTR 1 0 22,955 0
ILLINOIS TOOL WKS INC COM 452308109 844 9,040 SH   OTR 1 0 9,040 0
IMPERIAL OIL LTD COM NEW 453038408 225 5,855 SH   OTR 1 0 5,855 0
IMPERIAL OIL LTD COM NEW 453038408 1,265 32,915 SH   DFND 1 32,915 0 0
INTEL CORP COM 458140100 485 15,880 SH   OTR 1 0 15,880 0
INTERNATIONAL BUSINESS MACHS COM 459200101 493 2,988 SH   DFND 1 2,988 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 356 2,155 SH   OTR 1 0 2,155 0
ISHARES EAFE GRWTH ETF 464288885 325 4,625 SH   DFND 1 4,625 0 0
ISHARES EAFE VALUE ETF 464288877 225 4,270 SH   DFND 1 4,270 0 0
ISHARES INTL SEL DIV ETF 464288448 566 17,350 SH   OTR 1 0 17,350 0
ISHARES TR CHINA LG-CAP ETF 464287184 220 4,800 SH   DFND 1 4,800 0 0
ISHARES TR MSCI EAFE ETF 464287465 421 6,585 SH   DFND 1 6,585 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 418 10,511 SH   DFND 1 10,511 0 0
JOHNSON & JOHNSON COM 478160104 4,453 45,240 SH   DFND 1 45,240 0 0
JOHNSON & JOHNSON COM 478160104 4,395 44,650 SH   OTR 1 0 44,650 0
JPMORGAN CHASE & CO COM 46625H100 3,478 51,504 SH   DFND 1 51,504 0 0
JPMORGAN CHASE & CO COM 46625H100 2,856 42,295 SH   OTR 1 0 42,295 0
KINDER MORGAN INC DEL COM 49456B101 962 25,289 SH   DFND 1 25,289 0 0
KINDER MORGAN INC DEL COM 49456B101 261 6,868 SH   OTR 1 0 6,868 0
MACQUARIE INFRASTRUCTURE COR COM 55608B105 328 4,000 SH   OTR 1 0 4,000 0
MAGNA INTL INC COM 559222401 5,305 92,868 SH   DFND 1 92,868 0 0
MAGNA INTL INC COM 559222401 2,945 51,552 SH   OTR 1 0 51,552 0
MANULIFE FINL CORP COM 56501R106 2,210 119,207 SH   DFND 1 119,207 0 0
MANULIFE FINL CORP COM 56501R106 4,168 224,828 SH   OTR 1 0 224,828 0
MARKEL CORP COM 570535104 639 770 SH   OTR 1 0 770 0
MCDONALDS CORP COM 580135101 3,289 34,195 SH   DFND 1 34,195 0 0
MCDONALDS CORP COM 580135101 1,425 14,813 SH   OTR 1 0 14,813 0
MEDTRONIC PLC SHS G5960L103 468 6,345 SH   OTR 1 0 6,345 0
MERCK & CO INC NEW COM 58933Y105 3,497 60,634 SH   DFND 1 60,634 0 0
MERCK & CO INC NEW COM 58933Y105 1,911 33,133 SH   OTR 1 0 33,133 0
METLIFE INC COM 59156R108 363 6,455 SH   OTR 1 0 6,455 0
MICROSOFT CORP COM 594918104 4,204 94,689 SH   DFND 1 94,689 0 0
MICROSOFT CORP COM 594918104 3,697 83,268 SH   OTR 1 0 83,268 0
NOVARTIS A G SPONSORED ADR 66987V109 234 2,349 SH   OTR 1 0 2,349 0
OCCIDENTAL PETE CORP DEL COM 674599105 353 4,666 SH   OTR 1 0 4,666 0
OPEN TEXT CORP COM 683715106 200 4,934 SH   OTR 1 0 4,934 0
ORACLE CORP COM 68389X105 415 10,290 SH   OTR 1 0 10,290 0
PAYCHEX INC COM 704326107 202 4,250 SH   OTR 1 0 4,250 0
PEMBINA PIPELINE CORP COM 706327103 6,836 211,329 SH   DFND 1 211,329 0 0
PEMBINA PIPELINE CORP COM 706327103 525 16,230 SH   OTR 1 0 16,230 0
PEPSICO INC COM 713448108 250 2,641 SH   DFND 1 2,641 0 0
PEPSICO INC COM 713448108 1,850 19,540 SH   OTR 1 0 19,540 0
PFIZER INC COM 717081103 6,509 195,060 SH   DFND 1 195,060 0 0
PFIZER INC COM 717081103 4,735 141,907 SH   OTR 1 0 141,907 0
PHILIP MORRIS INTL INC COM 718172109 465 5,724 SH   OTR 1 0 5,724 0
PHILIP MORRIS INTL INC COM 718172109 2,255 27,783 SH   DFND 1 27,783 0 0
POTASH CORP SASK INC COM 73755L107 3,350 108,093 SH   DFND 1 108,093 0 0
POTASH CORP SASK INC COM 73755L107 2,278 73,502 SH   OTR 1 0 73,502 0
PPG INDS INC COM 693506107 255 2,200 SH   OTR 1 0 2,200 0
PRAXAIR INC COM 74005P104 389 3,275 SH   DFND 1 3,275 0 0
PRAXAIR INC COM 74005P104 1,939 16,305 SH   OTR 1 0 16,305 0
PROCTER & GAMBLE CO COM 742718109 5,019 62,794 SH   DFND 1 62,794 0 0
PROCTER & GAMBLE CO COM 742718109 4,469 55,908 SH   OTR 1 0 55,908 0
PROGRESSIVE WASTE SOLUTIONS COM 74339G101 276 10,316 SH   DFND 1 10,316 0 0
QUALCOMM INC COM 747525103 229 3,621 SH   OTR 1 0 3,621 0
RESTAURANT BRANDS INTL INC COM 76131D103 2,296 58,109 SH   DFND 1 58,109 0 0
RESTAURANT BRANDS INTL INC COM 76131D103 629 15,919 SH   OTR 1 0 15,919 0
ROGERS COMMUNICATIONS INC CL B 775109200 6,726 188,764 SH   OTR 1 0 188,764 0
ROGERS COMMUNICATIONS INC CL B 775109200 8,536 239,583 SH   DFND 1 239,583 0 0
ROYAL BK CDA MONTREAL QUE COM 780087102 52,846 870,184 SH   DFND 1 870,184 0 0
ROYAL BK CDA MONTREAL QUE COM 780087102 32,283 531,579 SH   OTR 1 0 531,579 0
SHAW COMMUNICATIONS INC CL B CONV 82028K200 2,256 103,129 SH   DFND 1 103,129 0 0
SHAW COMMUNICATIONS INC CL B CONV 82028K200 1,537 70,240 SH   OTR 1 0 70,240 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 523 2,525 SH   DFND 1 2,525 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 455 2,195 SH   OTR 1 0 2,195 0
SUN LIFE FINL INC COM 866796105 3,435 103,070 SH   DFND 1 103,070 0 0
SUN LIFE FINL INC COM 866796105 4,162 124,860 SH   OTR 1 0 124,860 0
SUNCOR ENERGY INC NEW COM 867224107 8,386 303,725 SH   OTR 1 0 303,725 0
SUNCOR ENERGY INC NEW COM 867224107 9,609 348,027 SH   DFND 1 348,027 0 0
TARGET CORP COM 87612E106 397 4,825 SH   OTR 1 0 4,825 0
TECK RESOURCES LTD CL B 878742204 1,216 126,699 SH   OTR 1 0 126,699 0
TECK RESOURCES LTD CL B 878742204 2,156 224,591 SH   DFND 1 224,591 0 0
TELUS CORP COM 87971M103 14,644 421,288 SH   DFND 1 421,288 0 0
TELUS CORP COM 87971M103 6,967 200,438 SH   OTR 1 0 200,438 0
THERMO FISHER SCIENTIFIC INC COM 883556102 655 5,000 SH   DFND 1 5,000 0 0
THOMSON REUTERS CORP COM 884903105 12,566 327,571 SH   DFND 1 327,571 0 0
THOMSON REUTERS CORP COM 884903105 8,358 217,884 SH   OTR 1 0 217,884 0
TORONTO DOMINION BK ONT COM NEW 891160509 26,716 631,126 SH   DFND 1 631,126 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 28,912 683,012 SH   OTR 1 0 683,012 0
TRANSALTA CORP COM 89346D107 1,049 135,921 SH   DFND 1 135,921 0 0
TRANSCANADA CORP COM 89353D107 14,561 358,204 SH   OTR 1 0 358,204 0
TRANSCANADA CORP COM 89353D107 21,462 527,981 SH   DFND 1 527,981 0 0
UNILEVER N V N Y SHS NEW 904784709 1,070 25,510 SH   DFND 1 25,510 0 0
UNILEVER N V N Y SHS NEW 904784709 455 10,841 SH   OTR 1 0 10,841 0
UNION PAC CORP COM 907818108 210 2,176 SH   DFND 1 2,176 0 0
UNION PAC CORP COM 907818108 235 2,431 SH   OTR 1 0 2,431 0
UNITEDHEALTH GROUP INC COM 91324P102 256 2,100 SH   OTR 1 0 2,100 0
V F CORP COM 918204108 1,753 24,326 SH   DFND 1 24,326 0 0
VALEANT PHARMACEUTICALS INTL COM 91911K102 5,634 24,657 SH   DFND 1 24,657 0 0
VALEANT PHARMACEUTICALS INTL COM 91911K102 1,762 7,710 SH   OTR 1 0 7,710 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 358 8,715 SH   OTR 1 0 8,715 0
VERIZON COMMUNICATIONS INC COM 92343V104 2,887 61,160 SH   DFND 1 61,160 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 863 18,281 SH   OTR 1 0 18,281 0
VERMILION ENERGY INC COM 923725105 8,695 204,792 SH   DFND 1 204,792 0 0
VERMILION ENERGY INC COM 923725105 1,798 42,335 SH   OTR 1 0 42,335 0
VISA INC COM CL A 92826C839 1,634 23,946 SH   DFND 1 23,946 0 0
VISA INC COM CL A 92826C839 840 12,312 SH   OTR 1 0 12,312 0
WELLS FARGO & CO NEW COM 949746101 4,628 81,568 SH   DFND 1 81,568 0 0
WELLS FARGO & CO NEW COM 949746101 4,478 78,917 SH   OTR 1 0 78,917 0