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
ABB LTD-SPON ADR SPON 000375204 605 27,807 SH   DFND 42 27,807 0 0
ABBOTT LABORATORIES COM 002824100 1,625 26,633 SH   DFND 42 26,633 0 0
ACCENTURE PLC-CL A SHS G1151C101 1,446 8,843 SH   DFND 42 8,843 0 0
ALBEMARLE CORP COM 012653101 730 7,741 SH   DFND 42 7,741 0 0
ALPHABET INC-CL A CAP 02079K305 3,134 2,776 SH   DFND 42 2,776 0 0
ALTRIA GROUP INC COM 02209S103 1,539 27,105 SH   DFND 42 27,105 0 0
AMAZON.COM INC COM 023135106 970 571 SH   DFND 42 571 0 0
APPLE INC COM 037833100 2,045 11,051 SH   DFND 42 11,051 0 0
BAIDU INC - SPON ADR SPON 056752108 2,892 11,901 SH   DFND 42 11,901 0 0
BARCLAYS PLC-SPONS ADR ADR 06738E204 7,014 699,271 SH   DFND 42 699,271 0 0
BRITISH AMERICAN TOB-SP ADR SPON 110448107 59 1,154 SH   DFND 42 1,154 0 0
CA INC COM 12673P105 1,645 46,151 SH   DFND 42 46,151 0 0
CERNER CORP COM 156782104 469 7,834 SH   DFND 42 7,834 0 0
CISCO SYSTEMS INC COM 17275R102 2,332 54,195 SH   DFND 42 54,195 0 0
CITIGROUP INC COM 172967424 2,884 43,100 SH   DFND 42 43,100 0 0
CMS ENERGY CORP COM 125896100 1,163 24,586 SH   DFND 42 24,586 0 0
CONOCOPHILLIPS COM 20825C104 1,554 22,323 SH   DFND 42 22,323 0 0
COSTCO WHOLESALE CORP COM 22160K105 2,086 9,982 SH   DFND 42 9,982 0 0
COTY INC-CL A COM 222070203 42 3,030 SH   DFND 42 3,030 0 0
CREDIT SUISSE GROUP-SPON ADR SPON 225401108 5,523 371,164 SH   DFND 42 371,164 0 0
CRH PLC-SPONSORED ADR ADR 12626K203 6,215 175,831 SH   DFND 42 175,831 0 0
DIAGEO PLC-SPONSORED ADR SPON 25243Q205 4,824 33,497 SH   DFND 42 33,497 0 0
DOLLAR GENERAL CORP COM 256677105 1,425 14,449 SH   DFND 42 14,449 0 0
EBAY INC COM 278642103 1,472 40,603 SH   DFND 42 40,603 0 0
EMERSON ELECTRIC CO COM 291011104 21 298 SH   DFND 42 298 0 0
EVERSOURCE ENERGY COM 30040W108 915 15,613 SH   DFND 42 15,613 0 0
GILEAD SCIENCES INC COM 375558103 1,111 15,684 SH   DFND 42 15,684 0 0
GLAXOSMITHKLINE PLC-SPON ADR SPON 37733W105 4,922 122,108 SH   DFND 42 122,108 0 0
HDFC BANK LTD-ADR ADR 40415F101 5,204 49,551 SH   DFND 42 49,551 0 0
INFOSYS LTD-SP ADR SPON 456788108 59 3,043 SH   DFND 42 3,043 0 0
INTUIT INC COM 461202103 1,257 6,150 SH   DFND 42 6,150 0 0
ISHARES MSCI EAFE ETF MSCI 464287465 836 12,481 SH   DFND 42 12,481 0 0
ISHARES MSCI JAPAN ETF MSCI 46434G822 9,432 162,870 SH   DFND 42 162,870 0 0
MAXIM INTEGRATED PRODUCTS COM 57772K101 67 1,135 SH   DFND 42 1,135 0 0
MCDONALD'S CORP COM 580135101 19 121 SH   DFND 42 121 0 0
MEDTRONIC PLC SHS G5960L103 1,619 18,900 SH   DFND 42 18,900 0 0
MERCK & CO. INC. COM 58933Y105 1,283 21,147 SH   DFND 42 21,147 0 0
MICROSOFT CORP COM 594918104 4,988 50,581 SH   DFND 42 50,581 0 0
MITSUBISHI UFJ FINL-SPON ADR SPON 606822104 4,330 766,253 SH   DFND 42 766,253 0 0
NOVARTIS AG-SPONSORED ADR SPON 66987V109 7,670 101,529 SH   DFND 42 101,529 0 0
OMNICOM GROUP COM 681919106 53 698 SH   DFND 42 698 0 0
PAYCHEX INC COM 704326107 36 525 SH   DFND 42 525 0 0
PEPSICO INC COM 713448108 67 609 SH   DFND 42 609 0 0
PHILIP MORRIS INTERNATIONAL COM 718172109 514 6,364 SH   DFND 42 6,364 0 0
PRINCIPAL FINANCIAL GROUP COM 74251V102 20 368 SH   DFND 42 368 0 0
PROCTER & GAMBLE CO/THE COM 742718109 34 437 SH   DFND 42 437 0 0
PRUDENTIAL PLC-ADR ADR 74435K204 5,105 111,713 SH   DFND 42 111,713 0 0
QUALCOMM INC COM 747525103 61 1,098 SH   DFND 42 1,098 0 0
RALPH LAUREN CORP CL A 751212101 70 560 SH   DFND 42 560 0 0
RELX NV - SPON ADR SPON 75955B102 2,050 96,141 SH   DFND 42 96,141 0 0
RELX PLC - SPON ADR SPON 759530108 3,163 145,498 SH   DFND 42 145,498 0 0
ROYAL BANK OF SCOT-SPON ADR SPON 780097689 11,692 1,719,382 SH   DFND 42 1,719,382 0 0
ROYAL DUTCH SHELL-SPON ADR-B SPON 780259107 11,580 159,399 SH   DFND 42 159,399 0 0
RYANAIR HOLDINGS PLC-SP ADR SPON 783513203 4,049 35,449 SH   DFND 42 35,449 0 0
SANOFI-ADR SPON 80105N105 40 1,013 SH   DFND 42 1,013 0 0
SAP SE-SPONSORED ADR SPON 803054204 7,306 63,171 SH   DFND 42 63,171 0 0
SONY CORP-SPONSORED ADR SPON 835699307 12,532 244,486 SH   DFND 42 244,486 0 0
SUNCOR ENERGY INC COM 867224107 1,722 42,335 SH   DFND 42 42,335 0 0
TOTAL SA-SPON ADR SPON 89151E109 5,101 84,228 SH   DFND 42 84,228 0 0
TRIMBLE INC COM 896239100 510 15,535 SH   DFND 42 15,535 0 0
UNILEVER N V -NY SHARES N Y 904784709 7,309 131,175 SH   DFND 42 131,175 0 0
UNILEVER PLC-SPONSORED ADR SPON 904767704 59 1,066 SH   DFND 42 1,066 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 22 454 SH   DFND 42 454 0 0
VODAFONE GROUP PLC-SP ADR SPON 92857W308 6,962 286,382 SH   DFND 42 286,382 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 969 16,152 SH   DFND 42 16,152 0 0
WESTERN UNION CO COM 959802109 1,119 55,010 SH   DFND 42 55,010 0 0