��������������������������
© 2
015 N
ort
hern
Tru
st C
orp
ora
tion
no
rth
ern
tru
st.
co
m
�� ����������������������
��������������������� ����
��������������� �������!��
"#$%$"&
����'� ���
(�� ��������!��!����
)����*��!�����+����������������
������)����*��!�����+����������������
���� �������!��,�� � �'���������
���� �������!��,�� � �'���������
2
��- ���.�/������!
�In
troduction
�T
he
No
rth
ern
Tru
st
Diffe
ren
ce
�P
art
ne
r P
latf
orm
Ove
rvie
w
�In
form
ation Q
ualit
y T
eam
Overv
iew
�In
form
ation Q
ualit
y I
n P
ractice
�S
um
mary
and Q
uestions &
Answ
ers
3
� ������ �������!����..������
�A
m
ore
than 1
25 y
ear
herita
ge u
ndilu
ted b
y
larg
e m
erg
ers
or
acquis
itio
ns w
ith a
focus o
n
org
anic
gro
wth
�E
mplo
yees h
ave a
keen inte
rest
in t
he s
uccess
of
our
busin
ess w
ith 4
4%
of
em
plo
yees o
wnin
g
Nort
hern
Tru
st
sto
ck
�A
s p
art
of
our
com
mitm
ent
to b
e a
leadin
g
corp
ora
te c
itiz
en,
Nort
hern
Tru
st
annually
aw
ard
s s
ubsta
ntial financia
l support
to
nonpro
fit
org
aniz
ations w
orldw
ide.
The m
ajo
rity
of
funds a
re d
irecte
d t
o s
ocia
l w
elfare
in
itia
tives t
hat
pro
vid
e c
ritical serv
ices t
o low
and m
odera
te incom
e f
am
ilies,
such a
s
housin
g,
food,
education a
nd h
ealth c
are
Ou
r H
isto
ry,
Ow
ners
hip
, O
rgan
ic G
row
th a
nd
Cu
ltu
reO
ur
Fin
an
cia
l S
tren
gth
an
d S
tab
ilit
y
�S
trong C
apital P
ositio
n -
We c
ontinue t
o b
e
sig
nific
antly a
bove t
he r
atios t
hat
are
a
requirem
ent
for
the r
egula
tory
cla
ssific
ation o
f
"well
capitaliz
ed"
�S
trong L
iquid
Bala
nce S
heet
-hig
h-q
ualit
y,
low
-ris
k s
ecurities p
ort
folio
, hig
h liq
uid
ity a
nd
low
loan-t
o-a
sset
ratio a
nd e
xceptionally
hig
h
qualit
y loan p
ort
folio
�T
he long-t
erm
ratings o
f both
Nort
hern
Tru
st
Corp
ora
tion a
nd o
ur
main
bank s
ubsid
iary
, T
he N
ort
hern
Tru
st
Com
pany,
are
the h
ighest
assig
ned b
y S
tandard
& P
oor’
s a
nd F
itch
Ratings t
o a
ny c
om
para
ble
U.S
.-based
bankin
g institu
tion.
4
� ������ �������!����..������
�T
wo h
ighly
targ
ete
d d
istr
ibution
channels
: pers
onal and
institu
tional
�F
ocus o
n a
sset
serv
icin
g,
asset
managem
ent
and b
ankin
g
solu
tions
�W
e h
ave r
esis
ted t
he t
em
pta
tion
to c
hange o
ur
busin
ess o
r risk
pro
file
to c
apitaliz
e o
n t
em
pora
rily
shifting c
ycle
s
�D
iffe
rentiate
d,
conserv
ative
busin
ess m
odel
Ou
r S
harp
B
usin
ess F
ocu
s
Inte
gra
ted
Wealt
h
Man
ag
em
en
t S
olu
tio
ns
�A
full
spectr
um
of
wealth
managem
ent
capabili
ties
few
firm
s c
an m
atc
h
�P
rovid
e f
resh t
hin
kin
g a
nd
innovative s
olu
tions t
ailo
red
to y
ou
�D
raw
on a
n inte
gra
ted t
eam
of
wealth s
pecia
lists
�W
ork
clo
sely
with y
our
oth
er
advis
ors
to d
evelo
p a
nd
imple
ment
a c
oord
inate
d s
trate
gy
�G
lobal re
ach a
nd p
ow
er
resourc
es d
eliv
ere
d locally
�P
rovid
ing a
ccess,
expert
ise a
nd
serv
ice w
here
you liv
e,
work
and
travel
�O
vera
ll clie
nt
satisfa
ction levels
w
ith N
ort
hern
Tru
st
are
very
hig
h
and w
e c
ontinue t
o im
pro
ve
year-
over-
ye
ar
Ou
r C
lien
t C
en
tric
Fo
cu
s
5
0����1�.�2�0������� !2
Pro
ac
tiv
e,
ex
pe
rt a
dv
ice
su
pp
ort
ed
by
a b
roa
d a
rra
y o
f w
ea
lth
ma
na
ge
me
nt
ca
pa
bil
itie
s f
ew
fir
ms
ca
n m
atc
h.
YO
UR
GO
AL
S
�M
axim
izin
g y
ou
r ca
sh
flo
w
�H
ed
gin
g a
ga
inst m
ark
et risk
�H
avin
g c
on
fid
en
ce th
at yo
u w
ill
fully
en
joy y
ou
r re
tire
me
nt lif
esty
le
�P
rovid
ing a
co
llege
ed
uca
tion fo
r ch
ildre
n o
r gra
nd
ch
ildre
n
�T
ran
sfe
rrin
g w
ea
lth
to
th
e
ne
xt
ge
ne
ration
�E
du
ca
ting y
ou
r fa
mily
ab
ou
t th
e
resp
on
sib
ilities o
f w
ea
lth
�S
up
port
ing c
au
se
s
yo
u a
re p
assio
nate
ab
ou
t th
rou
gh
str
uctu
red
ch
arita
ble
giv
ing
�A
lloca
tin
g w
ea
lth
be
twe
en
ch
aritie
s a
nd
be
ne
ficia
ries
�C
rea
tin
g a
fa
mily
ch
arita
ble
giv
ing m
issio
n
�P
urc
ha
sin
g a
ho
me
or
inve
stm
en
t p
rop
ert
y
�F
un
din
g a
ma
jor
pu
rch
ase
�S
tart
ing a
ne
w b
usin
ess
or
inve
stin
g in
a s
tart
-up
Fu
nd
ing
yo
ur
life
sty
leto
day a
nd
to
mo
rro
wP
urs
uin
g y
ou
rn
ext
dre
am
Investi
ng
in
yo
ur
fam
ily’s
fu
ture
Exp
lori
ng
yo
ur
ph
ilan
thro
pic
leg
acy
6
1�.���������,�� � �'���������
1T
he
Nort
hern
Tru
st
Com
pany
are
Mem
ber
FD
IC –
Equal H
ousin
g L
ender
2S
ecurities p
roducts
and b
rokera
ge s
erv
ices a
re s
old
by
regis
tere
d r
epre
senta
tives o
f N
ort
hern
Tru
st
Securities,
Inc.
(mem
ber
FIN
RA
, S
IPC
),
wholly
ow
ned s
ubsid
iary
of
Nort
hern
Tru
st
Corp
ora
tion.
Investm
ents
, securities p
roducts
and b
rokera
ge s
erv
ices a
re:
N
OT
FD
IC I
NS
UR
ED
| M
AY
LO
SE
VA
LU
E | N
O B
AN
K G
UA
RA
NT
EE
Tru
st
& E
sta
teS
erv
ices
Wealt
h
Pla
nn
ing
Ban
kin
g1
�P
ers
onal D
eposit a
nd
Cre
dit S
erv
ices
�A
rt,
Aircra
ft a
nd Y
acht
Lendin
g
�M
arg
in a
nd S
tock
Option L
endin
g
�W
ork
ing C
apital and
Corp
ora
te L
oans
�E
quip
ment F
inance
and L
easin
g
�P
rivate
Equity a
nd
Pre
miu
m F
inance
�T
reasury
M
anagem
ent
�F
inancia
l P
lannin
g
�F
am
ily E
ducation a
nd
Govern
ance
�T
ax a
nd W
ealth
Tra
nsfe
r S
trate
gie
s
�P
hila
nth
ropy
�B
usin
ess O
wner
Serv
ices
�F
ull
Arr
ay o
f In
vestm
ent
Capabili
ties
�C
usto
m A
sset
Allo
cation
�P
ort
folio
M
anagem
ent
�E
quity I
nvesting
�F
ixed I
ncom
e
Investing
�A
ltern
ative
Investm
ents
�B
road M
enu o
f O
uts
ide
Managers
�B
rokera
ge
Serv
ices
2
Investi
ng
�P
ers
onal T
rust
Serv
ices
�T
rust
Consultin
g
�S
pecia
lized T
rust
Serv
ices D
E/N
V
�O
il, G
as a
nd M
inera
ls
�R
eal E
sta
te a
nd
Agricultura
l S
erv
ices
�E
sta
te A
dm
inis
tration
and S
ett
lem
ent
�G
uard
ianship
S
erv
ices
�A
sset
Serv
icin
g
Our
onlin
e f
inancia
l m
anagem
ent suite is a
pow
erf
ul to
ol th
at pro
vid
es c
lients
access to their
com
ple
te fin
ancia
l pic
ture
. A
dvis
ors
can a
lso b
e g
rante
d a
ccess.
Bu
ilt
acro
ss a
str
on
g
tech
no
log
y p
latf
orm
.
7
*�������* ��.���
��������3
���- �� ������������ �������
�� ������������������������
������������������� ���� �
!��� �.��������!����� �����
-�!���!!������!!�!����- ���-��
������������+������������
��� �� ������ �� 45�� ��������
6��������� !��������������������� ����
�������������������������������
���������������������������������
����� �������� ������������
�����������
6�����������!!�!������ �������� ���
�� �������� �������������������
�� ������������������������������
�������� ��������������������������
6�������������� ��������������������
���������� ������������������������
����������� ���������������
1 2 3
)�!���
��������������!
�������������� ������������
�� ������.�������� ������������������
����������������������������
�������������� ���������������!������
�����.������!�����3��7. �3������������
�������!������������������
�������"��������������
������������������������������������
������������������
����- �����������.�����������!������
!�� �!������������!�������������!��
��������������������������������������
�������������������������� ���
�������������� ���� �����!� ��
���������!��!!��!�.������..������� ��.���
!
�#������� ��������������������� ��
���!��� ��� ��.���
��������!�!�����
������������������
���������������89:4����������3��.�
� ����!
�$��������� �������������������
�����������������%����&������
'����� ����� ������ ����
�!����������������������������
�(������������������������
�#����������������������������������
�������!���.������� ��������������!
�)����������������� �������
�������+����- ����������!���.���!����
� ������� �����! ������� �����������
����������
�/��������!�����-�����.������
����
��������������.��!��������
����- �������!�!������ ���������
�����������3��.�����
�)������������������������
�� ������� ������
�$����������������������������
�������������* ���������������
���� ���+
�$���������� �������������
�����������������������������
����� ���
������������������ ������������
,��������������
�*����������!�!������������.���������
�� ������!������!
������ ������������
�;������������������������������
�������� ��������� ������
������������������������������
��� �����������
� �������� �������������������
�� ����������������������������
��������.���!����� ����4��������
���������!
*�������,��7!������
���!������* ��.���
����
6�!���!!�*����!!
8
�.���
��������� ���<��=��������� �/������!
Dir
ecti
on
/ C
on
firm
ati
on
Po
licy,
Ru
les,
Qu
ali
ty
Execu
tio
n:
Pro
fili
ng
Term
sW
hat,
Ho
w, W
hy
Str
ate
gy
Tru
ste
d
Sta
ke
ho
lde
rs t
rust
the
in
form
atio
n t
he
y
co
nsu
me
or
cre
ate
d
Re
leva
nt
Info
rma
tio
n c
on
su
me
d o
r
cre
ate
d b
y s
take
ho
lde
rs is fit
for
use
an
d r
ele
va
nt
Go
ve
rne
d
Da
ta w
ith
in N
T W
ea
lth
Ma
na
ge
me
nt
is m
on
ito
red
,
me
asu
red
an
d c
on
tro
lled
9
�.���
��������� ���<�������� �
Lia
iso
n:
IQ T
ea
m
Tru
ste
d
Go
vern
ed
Rele
van
t
Ca
pa
bilit
y L
ea
ds
Info
rma
tio
n
Te
ch
no
log
y
Info
rma
tio
n
Qu
ality
Te
am
10
�������� ���������������*������
��������������������������������������
1)
Define
Busin
ess
Pro
ble
m
2)
Obta
in
Executive
Sponsors
hip
3)
Conduct
Matu
rity
A
ssessm
ent
4)
Build
R
oadm
ap
6)
Build
B
usin
ess
Glo
ssary
7)
Unders
tand
Data
8)
Cre
ate
M
eta
data
R
epository
5)
Esta
blis
h
Org
aniz
ational
Blu
eprint
9)
Define
Metr
ics
11)
Govern
M
aste
r D
ata
14)
Govern
A
naly
tics
13)
Govern
S
ecurity
&
Privacy
12)
Govern
Lifecycle
of
Info
rmation
15)
Measure
R
esults
IBM
Dis
co
very
, In
form
ati
on
An
aly
zer,
D
ata
Exp
lore
r
IBM
In
foS
ph
ere
M
eta
data
Wo
rkb
en
ch
IBM
In
form
ati
on
S
erv
er,
QS
, D
S,
CD
C,
FastT
rack
IBM
In
foS
ph
ere
M
aste
r D
ata
M
an
ag
em
en
t
IBM
Op
tim
TD
M,
Arc
hiv
ing
IBM
Op
tim
M
askin
g,
Gu
ard
ium
IBM
In
foS
ph
ere
B
usin
ess G
lossary
10)
Govern
D
ata
Qualit
y
IBM
C
og
no
s/S
PS
SN
ete
zza/ID
AA
11
�����!���!��.��������� ���
Oth
er
Co
nsid
era
tio
ns:
1.
Usabili
ty o
f th
e d
ata
-Is
it unders
tandable
,
sim
ple
, re
levant, a
ccessib
le,
main
tain
able
and
at
the r
ight
level of
pre
cis
ion?
2.
Tim
ing issues w
ith t
he d
ata
(beyond t
imelin
ess
itself)
-Is
it sta
ble
, yet
responsiv
e t
o legitim
ate
change r
equests
?
3.
Fle
xib
ility
of
the d
ata
-Is
it com
para
ble
and
com
patible
with o
ther
data
? D
oes it have
usefu
l gro
upin
gs a
nd c
lassific
ations?
Can it
be r
epurp
osed,
and is it
easy t
o m
anip
ula
te?
4.
Confidence in t
he d
ata
-A
re D
ata
Govern
ance,
Data
Pro
tection a
nd D
ata
Security
in p
lace?
What is
the r
eputa
tion o
f
the d
ata
, and is it verified o
r verifiable
?
5.
Valu
e o
f th
e d
ata
-Is
there
a g
ood c
ost/benefit
case f
or
the d
ata
?
Is it bein
g o
ptim
ally
used?
Does it
endanger
people
’s s
afe
ty o
r privacy o
r
the legal re
sponsib
ilities o
f th
e e
nte
rprise?
Does it
support
or
contr
adic
t th
e c
orp
ora
te
image o
r th
e c
orp
ora
te m
essage?
12
��������!�!����>�����=���������?�
Exp
an
d In
foS
ph
ere
Info
rmati
on
Go
vern
an
ce C
ata
log
�W
ork
flow
managem
ent fo
r data
govern
ance a
nd d
ata
ste
ward
ship
�W
ealth M
anage
men
t
�E
nte
rprise
�B
usin
ess G
lossary
�H
ostin
g w
ork
ing s
essio
ns w
ith
En
terp
rise
Da
ta S
erv
ice
s
�A
lign
ing te
rms w
ith
En
terp
rise
In
form
atio
n A
rch
ite
ctu
reIn
form
ation M
od
elin
g a
nd
IS
O 2
00
22
�E
sta
blis
hin
g c
ad
ence
�D
ata
Lin
eage
�B
usin
ess D
ata
Lin
ea
ge
�In
form
ation M
od
els
�C
on
ce
ptu
al a
nd
Lo
gic
al D
ata
Mo
de
ls
�T
ech
nic
al D
ata
Lin
eage
�P
hysic
al D
ata
Mo
de
ls
�D
ata
Sta
ge
�Q
ualit
yS
tage
Exceptions
�IB
M F
astT
rack
�L
ink B
usin
ess G
lossa
ry w
ith
So
urc
e-t
o-T
arg
et M
ap
pin
g
�����������������������������������������������������������
13
��3����!����� ���������� ��@
Polic
y
Busin
ess
Rule
Cate
gory
Busin
ess
Term
Info
rmation
Asset
Data
Rule
Data
Lin
eage
Busin
ess
Lin
eage
Busin
ess M
eta
data
Technic
al M
eta
data
Info
rmation G
overn
ance
Requirem
ents
Slid
e c
red
it: D
avid
Fe
sh
ba
ch
, IB
M D
ata
Qu
alit
y L
ea
d fo
r N
ort
he
rn T
rust P
art
ne
r P
latf
orm
14
�.�� ���
�.���
������;�� �A���B6�!���!!��� �!
15
�.�� ���
�.���
�����������������/��� ��
16
�.�� ���
�.���
�����������������/��� ��
17
�.�� ���
�.���
�����������������/��� ��
18
6�!��*�������<���!��������������������!!����!��������!�������!
Best pra
ctices for
build
ing a
Meta
data
Repository
is a
n
itera
tive P
rocess w
here
an o
rganiz
ation s
hould
sta
rt s
mall
and g
row
their m
eta
data
repository
over
tim
e.
Meta
data
can b
e b
uilt
top-d
ow
n s
tart
ing a
t ste
p o
ne a
nd/o
r
bottom
s u
p, w
here
phys
ical m
eta
data
is b
rought in
and
com
pare
d to w
hat
is in a
busin
ess g
lossary
, and the
cre
ation o
f any
mis
sin
g C
ate
gories / T
erm
s is
decid
ed
upon b
y th
e D
ata
Arc
hitectu
re a
nd G
overn
ance.
IBM
has a
series o
f accele
rato
rs, best pra
ctices g
uid
es a
nd
pro
ject pla
ns f
or
conducting e
ach s
tep inclu
din
g t
he
follo
win
g:
1.
Define P
olic
ies a
nd Info
rmation G
overn
ance R
ule
s
2.
Define D
ata
Ele
ments
(D
es)
for
Info
rmation S
tandard
s
3.
Import
Data
Models
& Info
rmation A
ssets
4.
Gath
er
Phys
ical M
eta
data
and Q
ualit
y S
tatistics
5.
Assig
n D
ata
Models
& Info
rmation A
ssets
to T
erm
s
6.
Build
Lin
eage
7.
Searc
h, G
overn
and C
onduct A
sset C
ert
ific
ation
Each o
f th
e s
teps m
ay
be found in
subsequent m
odule
s
Ac
hie
vin
g b
us
ine
ss
ou
tco
me
s w
ith
bu
ild
ing
a m
eta
da
ta r
ep
os
ito
ry f
or
info
rma
tio
n
go
ve
rna
nc
e i
s a
n i
tera
tive
pro
ce
ss
, b
ut
ca
n b
e s
tart
ed
at
dif
fere
nt
ste
ps
Meta
data
Layer
1
2
3
45
6
7
Define
Polic
ies a
nd
Info
rmation
Govern
ance R
ule
s
Define D
ata
E
lem
ents
(D
Es)
for
Info
rmation
Sta
ndard
s
Import
Data
M
odels
&
Info
rmation A
ssets
Captu
re P
hysic
al
Meta
data
and
Qualit
y S
tatistics
Assig
n D
ata
M
odels
&
Info
rmation A
ssets
to
Term
s
Build
Lin
eage
Searc
h, G
overn
, and C
onduct
Asset C
ert
ific
ation
Slid
e c
red
it: D
avid
Fe
sh
ba
ch
, IB
M D
ata
Qu
alit
y L
ea
d fo
r N
ort
he
rn T
rust P
art
ne
r P
latf
orm
19
*��� �+�*����!!+�������� �� ����B* �!��� �)��3
Me
tad
ata
La
ye
r
Define
Polic
ies a
nd
Info
rmation
Govern
ance
Rule
s
Define D
ata
E
lem
ents
(D
Es)
for
Info
rmation
Sta
ndard
s
Import
Data
M
odels
&
Info
rmation
Assets
Captu
re
Physic
al
Meta
data
and
Qualit
y
Sta
tistics
Assig
n D
ata
M
odels
&
Info
rmation
Assets
to
Term
s
Build
Lin
eage
Searc
h,
Govern
, and
Conduct A
sset
Cert
ific
ation
Info
rmation G
overn
ance
Cata
log
Meta
data
Asset
Manag
er
Glo
ssa
ry A
nyw
he
reC
ogn
os
Co
ckp
its
Qu
alit
y &
Exce
ptio
nC
on
so
les
Data
Sta
ge/Q
ualit
yS
tag
e
FastT
rack
Ste
wa
rdsh
ip C
en
ter
Info
rmation G
overn
ance
Cata
log
Info
rmation A
naly
zer
Info
rmation G
overn
ance
Cata
log
Info
rmation G
overn
ance
Cata
log
Busin
ess U
sers
Busin
ess D
ata
Ow
ners
Busin
ess D
ata
Ste
ward
sB
usin
ess &
Technic
al
Data
Ste
ward
s
Busin
ess S
ME
+
Data
Inte
gart
ion t
eam
Pro
file
r /
Analy
st /
Asset A
ssig
ner
Pro
file
r /
Analy
st /
Data
Rule
s A
naly
st
Pro
file
r /
Analy
st /
Asset A
ssig
ner
Pro
file
r /
Analy
st /
Data
& A
sset Im
port
er
Custo
m/N
on—
IIS
Data
In
tegra
tion
Da
ta
Mo
de
ls
Sourc
es
Slid
e c
red
it: D
avid
Fe
sh
ba
ch
, IB
M D
ata
Qu
alit
y L
ea
d fo
r N
ort
he
rn T
rust P
art
ne
r P
latf
orm
20
Info
rmation Q
ualit
y I
n P
ractice
21
�!��- �! ����;�*����!!
�D
efined a
pro
cess for
data
qualit
y identification a
nd r
em
edia
tion
�U
tiliz
ed the m
appin
g d
ocum
ent to
dete
rmin
e in
-scope s
yste
ms,
table
s, and d
ata
att
ribute
s
�P
art
y d
ata
�P
rofile
d in
-scope s
yste
ms u
sin
g IB
M Info
Sphere
Info
rmation
Analy
zer
�R
an
Co
lum
n A
na
lysis
to
ge
t a
ba
se
line u
nders
tand
ing o
f th
e d
ata
�D
evelo
ped b
usin
ess r
ule
s to targ
et key “
pro
ble
m”
are
as
�R
equ
ire
d
�C
ha
racte
r lim
ita
tio
ns
�S
pe
cia
l Ch
ara
cte
rs
�D
ata
Typ
e
�E
tc.
22
�!��- �! ����;�*����!!
�W
ork
with b
usin
ess p
art
ners
to p
rioritize C
DE
s
�W
hat is
re
qu
ire
d to
ru
n th
e b
usin
ess?
�W
hat d
ata
ne
ed
s to
be
th
e “
cle
an
est”
?
�W
hat w
ill h
ave
th
e b
igge
st im
pa
ct o
n f
ron
t-e
nd b
usin
ess p
art
ne
rs?
�W
hat a
re th
e u
nd
erlyin
g d
ep
en
dencie
s?
�R
em
edia
ting the D
ata
�W
ork
with
En
terp
rise
Pa
rtn
ers
�R
efin
e L
ist
�T
rack P
rogre
ss
�P
revention
�E
va
lua
te a
bili
ty to
pro
mo
te b
usin
ess r
ule
s f
or
ET
L u
se
�S
top
th
e p
rob
lem
, b
efo
re it
sta
rts
23
��.������� ��*����!!
�R
eru
n R
ule
s
�In
co
rpo
rate
En
ha
ncem
ents
�S
olic
it F
ee
db
ack
�D
eve
lop
fu
rth
er
ba
se
d o
n a
dd
itio
nal k
no
wle
dge
�C
om
pa
re a
ga
inst sim
ilar
so
urc
es –
Cro
ss D
om
ain
�U
nders
tand Y
our
Requirem
ents
�A
re th
ere
diffe
rences a
cro
ss s
yste
ms?
�A
re y
ou
co
mp
aring a
pp
les to
ap
ple
s?
�S
olic
it Input
�P
rod
uctio
n Issu
es
�B
usin
ess P
rio
ritie
s
�U
AT
/SIT
Te
stin
g Issu
es
�L
on
g T
erm
Pa
in P
oin
ts
�S
yste
m C
lea
n U
p
24
�!��/�!�!
�Last N
am
e
�D
uplic
ate
Pro
file
s
�W
ithin
Ap
plic
ation
s
�A
cro
ss D
ata
ba
ses
�T
actica
l vs.
Lo
ng T
erm
Ap
pro
ach
�M
arita
l Sta
tus
�C
urr
en
t syste
m lim
ita
tio
ns
�E
TL
co
rre
ctio
ns
�D
ate
of D
eath
25
������+���;
��������������������������
����������� ������������
��� ������
;�������
27
�����.�� ��6���/����!/��7���!�������! -����!
28
�����.�� ��6���/����!/��7���!�������! -����!
29
�����.�� ��6���/����!/��7���!�������! -����!
30
�����.�� ��6���/����!/��7���!�������! -����!