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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
Expires: July 31, 2015
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
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 1,163,132 11,751,184 SH DFND 11,751,184 0 0
SPDR GOLD SHARES ETF 78463V107 171,293 464,989 SH DFND 464,989 0 0
SPDR Gold MiniShares Trust ETF 98149E303 128,212 1,614,358 SH DFND 1,614,358 0 0
ISHARES CORE INTERNATIONAL AGGREGATE BOND ETF ETF 46435G672 336,298 6,646,207 SH DFND 6,646,207 0 0
ISHARES GOLD TRUST ETF 464285204 502,386 6,653,240 SH DFND 6,653,240 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 526,370 702,867 SH DFND 702,867 0 0
ISHARES U.S. REAL ESTATE ETF ETF 464287739 600,260 5,870,511 SH DFND 5,870,511 0 0
ISHARES TIPS BOND ETF ETF 464287176 68,702 627,817 SH DFND 627,817 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 3,525,702 49,483,539 SH DFND 49,483,539 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769 4,748,261 12,831,750 SH DFND 12,831,750 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 992,246 16,623,315 SH DFND 16,623,315 0 0