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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 1,172,692 12,404,190 SH DFND 12,404,190 0 0
SPDR GOLD SHARES ETF 78463V107 174,834 459,075 SH DFND 459,075 0 0
SPDR Gold MiniShares Trust ETF 98149E303 263,186 3,202,560 SH DFND 3,202,560 0 0
ISHARES CORE INTERNATIONAL AGGREGATE BOND ETF ETF 46435G672 361,190 7,341,257 SH DFND 7,341,257 0 0
ISHARES GOLD TRUST ETF 464285204 504,760 6,462,992 SH DFND 6,462,992 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 591,693 772,596 SH DFND 772,596 0 0
ISHARES U.S. REAL ESTATE ETF ETF 464287739 526,525 5,540,037 SH DFND 5,540,037 0 0
ISHARES TIPS BOND ETF ETF 464287176 63,040 605,921 SH DFND 605,921 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 3,559,844 50,415,584 SH DFND 50,415,584 0 0
VANGUARD MORNINGSTAR TOTAL STOCK MARKET ETF ETF 922908769 4,625,488 12,359,684 SH DFND 12,359,684 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 1,050,842 17,717,789 SH DFND 17,717,789 0 0