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 416 3,799 SH   OTR 0 3,799 0
ABBVIE INC COM 00287Y109 362 3,378 SH   OTR 0 3,378 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 2,209 8,457 SH   DFND 8,457 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 203 777 SH   OTR 0 777 0
AGNICO EAGLE MINES LTD COM 008474108 516 7,318 SH   DFND 7,318 0 0
AIR PRODS & CHEMS INC COM 009158106 1,700 6,222 SH   DFND 6,222 0 0
ALGONQUIN PWR UTILS CORP COM 015857105 169 10,267 SH   DFND 10,267 0 0
ALPHABET INC CAP STK CL C 02079K107 1,636 934 SH   DFND 934 0 0
ALPHABET INC CAP STK CL C 02079K107 1,379 787 SH   OTR 0 787 0
ALPHABET INC CAP STK CL A 02079K305 7,528 4,295 SH   DFND 4,295 0 0
ALPHABET INC CAP STK CL A 02079K305 7,079 4,039 SH   OTR 0 4,039 0
AMAZON COM INC COM 023135106 5,407 1,660 SH   OTR 0 1,660 0
AMAZON COM INC COM 023135106 6,589 2,023 SH   DFND 2,023 0 0
AMERICAN ELEC PWR CO INC COM 025537101 237 2,846 SH   OTR 0 2,846 0
AMERICAN TOWER CORP NEW COM 03027X100 413 1,840 SH   OTR 0 1,840 0
AMERICAN TOWER CORP NEW COM 03027X100 459 2,045 SH   DFND 2,045 0 0
APPLE INC COM 037833100 8,824 66,501 SH   DFND 66,501 0 0
APPLE INC COM 037833100 5,848 44,073 SH   OTR 0 44,073 0
ASML HOLDING N V N Y REGISTRY SHS N07059210 294 603 SH   DFND 603 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 231 1,311 SH   OTR 0 1,311 0
B2GOLD CORP COM 11777Q209 167 29,821 SH   DFND 29,821 0 0
BANK MONTREAL QUE COM 063671101 25,314 332,947 SH   DFND 332,947 0 0
BANK MONTREAL QUE COM 063671101 27,097 356,399 SH   OTR 0 356,399 0
BANK NOVA SCOTIA B C COM 064149107 5,325 98,538 SH   DFND 98,538 0 0
BANK NOVA SCOTIA B C COM 064149107 32,763 606,273 SH   OTR 0 606,273 0
BARRICK GOLD CORP COM 067901108 694 30,465 SH   DFND 30,465 0 0
BCE INC COM NEW 05534B760 11,599 271,005 SH   OTR 0 271,005 0
BCE INC COM NEW 05534B760 22,060 515,421 SH   DFND 515,421 0 0
BECTON DICKINSON & CO COM 075887109 310 1,239 SH   DFND 1,239 0 0
BECTON DICKINSON & CO COM 075887109 772 3,085 SH   OTR 0 3,085 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 835 3,601 SH   OTR 0 3,601 0
BK OF AMERICA CORP COM 060505104 5,009 165,259 SH   DFND 165,259 0 0
BK OF AMERICA CORP COM 060505104 1,276 42,098 SH   OTR 0 42,098 0
BOOKING HOLDINGS INC COM 09857L108 468 210 SH   OTR 0 210 0
BRISTOL-MYERS SQUIBB CO COM 110122108 217 3,498 SH   OTR 0 3,498 0
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 21,835 529,077 SH   DFND 529,077 0 0
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 4,558 110,443 SH   OTR 0 110,443 0
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101 949 19,211 SH   OTR 0 19,211 0
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101 1,347 27,267 SH   DFND 27,267 0 0
BRP INC COM SUN VTG 05577W200 1,222 18,521 SH   DFND 18,521 0 0
BRP INC COM SUN VTG 05577W200 324 4,911 SH   OTR 0 4,911 0
CAE INC COM 124765108 4,812 173,468 SH   DFND 173,468 0 0
CAE INC COM 124765108 234 8,435 SH   OTR 0 8,435 0
CAMECO CORP COM 13321L108 338 25,224 SH   OTR 0 25,224 0
CANADIAN IMP BK COMM COM 136069101 9,718 113,701 SH   DFND 113,701 0 0
CANADIAN IMP BK COMM COM 136069101 8,373 97,964 SH   OTR 0 97,964 0
CANADIAN NAT RES LTD COM 136385101 5,665 235,551 SH   DFND 235,551 0 0
CANADIAN NAT RES LTD COM 136385101 3,460 143,867 SH   OTR 0 143,867 0
CANADIAN NATL RY CO COM 136375102 30,206 274,975 SH   DFND 274,975 0 0
CANADIAN NATL RY CO COM 136375102 13,582 123,641 SH   OTR 0 123,641 0
CANADIAN PAC RY LTD COM 13645T100 3,338 9,628 SH   OTR 0 9,628 0
CANADIAN PAC RY LTD COM 13645T100 14,469 41,735 SH   DFND 41,735 0 0
CATERPILLAR INC COM 149123101 473 2,599 SH   OTR 0 2,599 0
CGI INC CL A SUB VTG 12532H104 9,905 124,890 SH   DFND 124,890 0 0
CGI INC CL A SUB VTG 12532H104 1,203 15,168 SH   OTR 0 15,168 0
CHEVRON CORP NEW COM 166764100 291 3,446 SH   OTR 0 3,446 0
CISCO SYS INC COM 17275R102 1,418 31,687 SH   DFND 31,687 0 0
CISCO SYS INC COM 17275R102 265 5,922 SH   OTR 0 5,922 0
CITIGROUP INC COM NEW 172967424 1,542 25,008 SH   DFND 25,008 0 0
CME GROUP INC COM 12572Q105 394 2,164 SH   OTR 0 2,164 0
COCA COLA CO COM 191216100 2,555 46,590 SH   DFND 46,590 0 0
COCA COLA CO COM 191216100 560 10,212 SH   OTR 0 10,212 0
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 224 2,733 SH   OTR 0 2,733 0
COLGATE PALMOLIVE CO COM 194162103 320 3,742 SH   OTR 0 3,742 0
COLLIERS INTL GROUP INC SUB VTG SHS 194693107 369 4,140 SH   DFND 4,140 0 0
COMCAST CORP NEW CL A 20030N101 5,996 114,427 SH   DFND 114,427 0 0
COMCAST CORP NEW CL A 20030N101 3,864 73,740 SH   OTR 0 73,740 0
COSTCO WHSL CORP NEW COM 22160K105 7,085 18,804 SH   DFND 18,804 0 0
COSTCO WHSL CORP NEW COM 22160K105 5,909 15,683 SH   OTR 0 15,683 0
DANAHER CORPORATION COM 235851102 7,602 34,222 SH   DFND 34,222 0 0
DANAHER CORPORATION COM 235851102 2,806 12,632 SH   OTR 0 12,632 0
DEERE & CO COM 244199105 498 1,851 SH   OTR 0 1,851 0
DIAGEO PLC SPON ADR NEW 25243Q205 529 3,331 SH   DFND 3,331 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 338 2,128 SH   OTR 0 2,128 0
DISNEY WALT CO COM 254687106 4,654 25,687 SH   DFND 25,687 0 0
DISNEY WALT CO COM 254687106 2,975 16,420 SH   OTR 0 16,420 0
DOW INC COM 260557103 239 4,306 SH   DFND 4,306 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 293 3,200 SH   OTR 0 3,200 0
DUPONT DE NEMOURS INC COM 26614N102 1,720 24,188 SH   OTR 0 24,188 0
DUPONT DE NEMOURS INC COM 26614N102 3,367 47,349 SH   DFND 47,349 0 0
ENBRIDGE INC COM 29250N105 15,088 471,648 SH   DFND 471,648 0 0
ENBRIDGE INC COM 29250N105 9,706 303,407 SH   OTR 0 303,407 0
EXXON MOBIL CORP COM 30231G102 346 8,394 SH   OTR 0 8,394 0
FACEBOOK INC CL A 30303M102 223 816 SH   DFND 816 0 0
FACEBOOK INC CL A 30303M102 350 1,281 SH   OTR 0 1,281 0
FORTIS INC COM 349553107 7,874 192,896 SH   DFND 192,896 0 0
FORTIS INC COM 349553107 6,762 165,654 SH   OTR 0 165,654 0
FORTIVE CORP COM 34959J108 1,722 24,315 SH   DFND 24,315 0 0
FORTIVE CORP COM 34959J108 1,077 15,208 SH   OTR 0 15,208 0
FRANCO NEV CORP COM 351858105 1,723 13,748 SH   OTR 0 13,748 0
FRANCO NEV CORP COM 351858105 9,645 76,957 SH   DFND 76,957 0 0
GENERAL ELECTRIC CO COM 369604103 620 57,407 SH   DFND 57,407 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 851 23,125 SH   OTR 0 23,125 0
GRANITE REAL ESTATE INVT TR UNIT 99/99/9999 387437114 292 4,775 SH   DFND 4,775 0 0
HOME DEPOT INC COM 437076102 2,305 8,678 SH   DFND 8,678 0 0
HOME DEPOT INC COM 437076102 547 2,059 SH   OTR 0 2,059 0
HONDA MOTOR LTD AMERN SHS 438128308 283 10,018 SH   DFND 10,018 0 0
HONEYWELL INTL INC COM 438516106 6,361 29,906 SH   DFND 29,906 0 0
HONEYWELL INTL INC COM 438516106 3,869 18,190 SH   OTR 0 18,190 0
HOWMET AEROSPACE INC COM 443201108 462 16,188 SH   DFND 16,188 0 0
ILLUMINA INC COM 452327109 1,110 3,000 SH   DFND 3,000 0 0
ILLUMINA INC COM 452327109 229 619 SH   OTR 0 619 0
INTEL CORP COM 458140100 326 6,544 SH   OTR 0 6,544 0
ISHARES TR U.S. TECH ETF 464287721 231 2,715 SH   DFND 2,715 0 0
ISHARES TR INTL SEL DIV ETF 464288448 388 13,166 SH   OTR 0 13,166 0
JOHNSON & JOHNSON COM 478160104 10,700 67,988 SH   DFND 67,988 0 0
JOHNSON & JOHNSON COM 478160104 4,994 31,732 SH   OTR 0 31,732 0
JPMORGAN CHASE & CO COM 46625H100 10,784 84,867 SH   DFND 84,867 0 0
JPMORGAN CHASE & CO COM 46625H100 3,398 26,741 SH   OTR 0 26,741 0
LAUDER ESTEE COS INC CL A 518439104 5,269 19,794 SH   DFND 19,794 0 0
LAUDER ESTEE COS INC CL A 518439104 1,335 5,015 SH   OTR 0 5,015 0
LINDE PLC SHS G5494J103 1,796 6,816 SH   DFND 6,816 0 0
LINDE PLC SHS G5494J103 1,697 6,440 SH   OTR 0 6,440 0
LOWES COS INC COM 548661107 203 1,265 SH   OTR 0 1,265 0
MAGNA INTL INC COM 559222401 363 5,127 SH   DFND 5,127 0 0
MAGNA INTL INC COM 559222401 419 5,918 SH   OTR 0 5,918 0
MANULIFE FINL CORP COM 56501R106 5,319 298,485 SH   OTR 0 298,485 0
MANULIFE FINL CORP COM 56501R106 10,933 613,524 SH   DFND 613,524 0 0
MARATHON OIL CORP COM 565849106 150 22,489 SH   DFND 22,489 0 0
MARATHON PETE CORP COM 56585A102 928 22,437 SH   DFND 22,437 0 0
MASTERCARD INCORPORATED CL A 57636Q104 7,440 20,844 SH   DFND 20,844 0 0
MASTERCARD INCORPORATED CL A 57636Q104 4,279 11,988 SH   OTR 0 11,988 0
MCDONALDS CORP COM 580135101 921 4,292 SH   DFND 4,292 0 0
MCDONALDS CORP COM 580135101 948 4,418 SH   OTR 0 4,418 0
MEDTRONIC PLC SHS G5960L103 8,790 75,038 SH   DFND 75,038 0 0
MEDTRONIC PLC SHS G5960L103 3,782 32,286 SH   OTR 0 32,286 0
MERCK & CO. INC COM 58933Y105 356 4,352 SH   OTR 0 4,352 0
METLIFE INC COM 59156R108 545 11,608 SH   DFND 11,608 0 0
MICROSOFT CORP COM 594918104 21,004 94,434 SH   DFND 94,434 0 0
MICROSOFT CORP COM 594918104 13,142 59,086 SH   OTR 0 59,086 0
MONDELEZ INTL INC CL A 609207105 327 5,593 SH   DFND 5,593 0 0
MONDELEZ INTL INC CL A 609207105 329 5,627 SH   OTR 0 5,627 0
MORGAN STANLEY COM NEW 617446448 406 5,924 SH   OTR 0 5,924 0
NEXTERA ENERGY INC COM 65339F101 421 5,457 SH   DFND 5,457 0 0
NEXTERA ENERGY INC COM 65339F101 376 4,874 SH   OTR 0 4,874 0
NIKE INC CL B 654106103 5,754 40,673 SH   DFND 40,673 0 0
NIKE INC CL B 654106103 3,397 24,012 SH   OTR 0 24,012 0
NOVO-NORDISK A S ADR 670100205 279 3,994 SH   DFND 3,994 0 0
NOVO-NORDISK A S ADR 670100205 250 3,579 SH   OTR 0 3,579 0
NUTRIEN LTD COM 67077M108 9,769 202,845 SH   DFND 202,845 0 0
NUTRIEN LTD COM 67077M108 4,264 88,538 SH   OTR 0 88,538 0
OPEN TEXT CORP COM 683715106 6,199 136,362 SH   DFND 136,362 0 0
OPEN TEXT CORP COM 683715106 417 9,173 SH   OTR 0 9,173 0
ORACLE CORP COM 68389X105 583 9,012 SH   DFND 9,012 0 0
ORACLE CORP COM 68389X105 927 14,330 SH   OTR 0 14,330 0
OREILLY AUTOMOTIVE INC COM 67103H107 226 499 SH   DFND 499 0 0
PEMBINA PIPELINE CORP COM 706327103 1,846 78,022 SH   DFND 78,022 0 0
PEMBINA PIPELINE CORP COM 706327103 748 31,615 SH   OTR 0 31,615 0
PEPSICO INC COM 713448108 550 3,709 SH   OTR 0 3,709 0
PFIZER INC COM 717081103 2,744 74,545 SH   DFND 74,545 0 0
PFIZER INC COM 717081103 2,036 55,311 SH   OTR 0 55,311 0
PROCTER AND GAMBLE CO COM 742718109 623 4,478 SH   DFND 4,478 0 0
PROCTER AND GAMBLE CO COM 742718109 789 5,671 SH   OTR 0 5,671 0
PROGRESSIVE CORP COM 743315103 421 4,258 SH   DFND 4,258 0 0
PROGRESSIVE CORP COM 743315103 406 4,106 SH   OTR 0 4,106 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 2,128 29,758 SH   DFND 29,758 0 0
RESTAURANT BRANDS INTL INC COM 76131D103 2,468 40,386 SH   OTR 0 40,386 0
RESTAURANT BRANDS INTL INC COM 76131D103 11,560 189,167 SH   DFND 189,167 0 0
RITCHIE BROS AUCTIONEERS COM 767744105 2,540 36,520 SH   DFND 36,520 0 0
ROGERS COMMUNICATIONS INC CL B 775109200 12,325 264,542 SH   DFND 264,542 0 0
ROGERS COMMUNICATIONS INC CL B 775109200 5,903 126,701 SH   OTR 0 126,701 0
ROPER TECHNOLOGIES INC COM 776696106 207 480 SH   OTR 0 480 0
ROYAL BK CDA COM 780087102 39,121 476,736 SH   DFND 476,736 0 0
ROYAL BK CDA COM 780087102 61,031 743,736 SH   OTR 0 743,736 0
SALESFORCE COM INC COM 79466L302 223 1,002 SH   OTR 0 1,002 0
SAP SE SPON ADR 803054204 518 3,973 SH   DFND 3,973 0 0
SHAW COMMUNICATIONS INC CL B CONV 82028K200 9,111 518,850 SH   DFND 518,850 0 0
SHAW COMMUNICATIONS INC CL B CONV 82028K200 1,890 107,631 SH   OTR 0 107,631 0
SHOPIFY INC CL A 82509L107 1,602 1,415 SH   DFND 1,415 0 0
SHOPIFY INC CL A 82509L107 272 240 SH   OTR 0 240 0
SMITH & NEPHEW PLC SPDN ADR NEW 83175M205 254 6,023 SH   DFND 6,023 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 965 2,581 SH   DFND 2,581 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 406 1,086 SH   OTR 0 1,086 0
SPDR SER TR S&P DIVID ETF 78464A763 248 2,341 SH   DFND 2,341 0 0
SUN LIFE FINANCIAL INC. COM 866796105 4,877 109,694 SH   DFND 109,694 0 0
SUN LIFE FINANCIAL INC. COM 866796105 2,614 58,794 SH   OTR 0 58,794 0
SUNCOR ENERGY INC NEW COM 867224107 6,722 400,596 SH   DFND 400,596 0 0
SUNCOR ENERGY INC NEW COM 867224107 3,184 189,750 SH   OTR 0 189,750 0
TC ENERGY CORP COM 87807B107 18,194 446,807 SH   DFND 446,807 0 0
TC ENERGY CORP COM 87807B107 16,827 413,237 SH   OTR 0 413,237 0
TE CONNECTIVITY LTD REG SHS H84989104 5,289 43,685 SH   DFND 43,685 0 0
TE CONNECTIVITY LTD REG SHS H84989104 2,806 23,177 SH   OTR 0 23,177 0
TECK RESOURCES LTD CL B 878742204 204 11,240 SH   DFND 11,240 0 0
TELUS CORPORATION COM 87971M103 14,605 737,626 SH   DFND 737,626 0 0
TELUS CORPORATION COM 87971M103 6,533 329,949 SH   OTR 0 329,949 0
THERMO FISHER SCIENTIFIC INC COM 883556102 276 593 SH   OTR 0 593 0
THOMSON REUTERS CORP. COM NEW 884903709 10,161 124,081 SH   DFND 124,081 0 0
THOMSON REUTERS CORP. COM NEW 884903709 1,853 22,628 SH   OTR 0 22,628 0
TORONTO DOMINION BK ONT COM NEW 891160509 35,895 636,211 SH   DFND 636,211 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 20,118 356,576 SH   OTR 0 356,576 0
TOYOTA MOTOR CORP SP ADR REP2COM 892331307 309 1,999 SH   DFND 1,999 0 0
TRAVELERS COMPANIES INC COM 89417E109 1,204 8,577 SH   DFND 8,577 0 0
UNILEVER PLC SPON ADR NEW 904767704 4,392 72,763 SH   DFND 72,763 0 0
UNILEVER PLC SPON ADR NEW 904767704 1,495 24,768 SH   OTR 0 24,768 0
UNION PAC CORP COM 907818108 227 1,090 SH   OTR 0 1,090 0
UNITED PARCEL SERVICE INC CL B 911312106 554 3,290 SH   OTR 0 3,290 0
UNITEDHEALTH GROUP INC COM 91324P102 2,155 6,145 SH   DFND 6,145 0 0
UNITEDHEALTH GROUP INC COM 91324P102 1,593 4,543 SH   OTR 0 4,543 0
VALERO ENERGY CORP COM 91913Y100 718 12,692 SH   OTR 0 12,692 0
VERISK ANALYTICS INC COM 92345Y106 206 992 SH   OTR 0 992 0
VERIZON COMMUNICATIONS INC COM 92343V104 702 11,949 SH   DFND 11,949 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 358 6,094 SH   OTR 0 6,094 0
VISA INC COM CL A 92826C839 12,629 57,738 SH   DFND 57,738 0 0
VISA INC COM CL A 92826C839 5,860 26,791 SH   OTR 0 26,791 0
WASTE CONNECTIONS INC COM 94106B101 9,025 87,989 SH   DFND 87,989 0 0
WASTE CONNECTIONS INC COM 94106B101 776 7,566 SH   OTR 0 7,566 0
WASTE MGMT INC DEL COM 94106L109 220 1,866 SH   DFND 1,866 0 0
WASTE MGMT INC DEL COM 94106L109 275 2,332 SH   OTR 0 2,332 0
WELLS FARGO CO NEW COM 949746101 226 7,488 SH   OTR 0 7,488 0
WHEATON PRECIOUS METALS CORP COM 962879102 537 12,865 SH   DFND 12,865 0 0
YUM CHINA HLDGS INC COM 98850P109 211 3,696 SH   OTR 0 3,696 0