).3425#4)/.-!.5!,#OMPASS7KLV%RRVWHU6HDWLVIRUXVHE\FKLOGUHQZKRPHHW$//WKHUHTXLUHPHQWVEHORZ:HLJKWLVWRSRXQGVWRNJ+HLJKWLV
6HFWLRQ6HOHFWLQJ$ 9HKLFOH6HDWLQJ/RFDWLRQ9HKLFOH6HDWV'2 127XVHWKLV%RRVWHU6HDWZLWKWKHIROORZLQJYHKLFOHVHDWV6HDWV:KLFK)DFH6L
9HKLFOH6HDW%HOW6\VWHPV8VHRQO\WKHYHKLFOH¶VODSDQGVKRXOGHUEHOWV\VWHPZKHQUHVWUDLQLQJWKHFKLOGLQWKLVERRVWHUVHDW'HVLJQDQGRSHUDWLR
6HFWLRQ,QVWDOODWLRQDQG8VH 8VHRQO\DYHKLFOHODSDQG VKRXOGHUEHOWV\VWHPZKHQUHVWUDLQLQJWKHFKLOGLQWKLV%RRVWHU6HDW 1(9(5 XVHMXVWDOD
6HFWLRQ,QVWDOODWLRQDQG8VH 2SHQWKH%RRVWHU6HDWIURPLWVIROGHGSRVLWLRQXQWLOVHDWEDFNORFNVLQSODFH *UDVSVHDWEDFNDQGVHDWERWWRPDQ
6HFWLRQ,QVWDOODWLRQDQG8VH 3ODFHFKLOGLQ%RRVWHU6HDW &KLOG0867 VLWXSULJKWZLWKEDFNFRQWDFWLQJVHDWEDFN127 VORXFKLQJRUVOLGLQJG
6HFWLRQ,QVWDOODWLRQDQG8VH 3ODFHODSDQG VKRXOGHUEHOWDFURVVIURQWRIFKLOGDQGEXFNOHVHDWEHOW 3RVLWLRQODSEHOWXQGHUERWKDUPUHVWV 3O
&XS+ROGHUV7R8VH 5RWDWHFXSKROGHURXWLQWRXVHSRVLWLRQ7R6WRUH 5RWDWHFXSKROGHUEDFNLQWRVWRUHGSRVLWLRQ6WRUDJH7UDQVSRUW2I%RRVWHU
6HFWLRQ6DIHW\&KHFNOLVW6DIH3UDFWLFHV¥ 'LG\RXUHDGDQGXQGHUVWDQGWKHVHLQVWUXFWLRQVDQGODEHOVRQWKH%RRVWHU6HDW"¥ ,VWKHFKLO
6HFWLRQ6DIHW\&KHFNOLVW6DIH3UDFWLFHV)RUDVVLVWDQFHZLWKLQVWDOODWLRQRUXVHFRQWDFWRQHRIWKHIROORZLQJVRXUFHV &RPSDVVDW3KRQH
6HFWLRQ6DIHW\&KHFNOLVW6DIH3UDFWLFHV (9(5<21(ULGHVEXFNOHGXSRUWKHYHKLFOH'2(6127*20DNH12 (;&(37,216 IRUDGXOWVRUFKL
'HDU3DUHQWV7KDQN\RXIRUSXUFKDVLQJWKH&RPSDVV%& %RRVWHU6HDW:HKRSHWKDWLWZLOOPDNH\RXUFKLOG¶VWUDYHOVDIHUHDVLHUDQGPR
6HFWLRQ$GGLWLRQDO,QIRUPDWLRQ&HUWLILFDWLRQ7KLV%RRVWHU6HDWFRQIRUPVWRDOOUHTXLUHPQWVRI&DQDGD0RWRU9HKLFOH6DIHW\6WDQGDUGVI
6HFWLRQ$GGLWLRQDO,QIRUPDWLRQ5HJLVWUDWLRQ,QIRUPDWLRQ&KLOGUHVWUDLQWVFDUVHDWVFRXOGEHUHFDOOHGIRUVDIHW\UHDVRQV<RXPXVWUHJLVW
6HFWLRQ&DUHDQG&OHDQLQJ5HPRYLQJ6HDW3DG%DFN3DGDQG+HDGUHVW3DG *HQWO\XQKRRNHODVWLFDQGVQDSV5HPRYHSDGVIURP%RRVWHU6HDW
6HFWLRQ5HSODFHPHQW3DUWV:HNQRZSDGVJHWZRUQRUGDPDJHG6RPHFRPSDQLHVFKDUJHRXWUDJHRXVSULFHVZKHQWKHLUSDUWVZHDURXW$W&RPSDVVZH
#OMPASS.HHSWKLVLQVWUXFWLRQPDQXDOIRUIXWXUHXVH6WRUHLQSRFNHWRQEDFNRI%RRVWHU6HDW&RPSDVV
6HFWLRQ7DEOH2I&RQWHQWV6HFWLRQ,QWURGXFWLRQ6HFWLRQ7DEOH2I&RQWHQWV
)DLOXUHWRIROORZWKHVHLQVWUXFWLRQVDQG%RRVWHU6HDWODEHOVFDQUHVXOWLQLQMXU\RUGHDWKWRDFKLOGIURPVWULNLQJWKHYHKLFOH¶VLQWHULRUGXULQJD
'2 127PRGLI\RUDWWDFKDQ\WR\VSDGGLQJRURWKHULWHPVWRWKLV%RRVWHU6HDW8QWHVWHGPRGLILFDWLRQVRUSDGGLQJFRXOGUHVXOWLQLQMXU\LQD
'2127XVHWKLV%RRVWHU6HDWZKHQWRSRIFKLOG¶VHDUVDUHDERYHWKHWRSHGJHRIVHDWEDFN6HYHUHKHDGRUQHFNLQMXULHVFDQUHVXOWZLWKRXWSURS
,QVWUXFWLRQ0DQXDO3RFNHW+HDGUHVW+DQGOH+HDGUHVW+DQGOH6HDW%DFN)ROG/RFN)DLOXUHWRXVHWKLVFDUVHDWSURSHUO\LQFUHDVHV WKHULVNRIVHULRXVLQMXU\RUG
6HFWLRQ6HOHFWLQJ$ 9HKLFOH6HDWLQJ/RFDWLRQ 8VHRQO\WKHYHKLFOH¶VODSDQG VKRXOGHUEHOWV\VWHPZKHQUHVWUDLQLQJDFKLOGLQWKLV%RRVWHU6HDW1
6HFWLRQ6HOHFWLQJ$ 9HKLFOH6HDWLQJ/RFDWLRQ7UDQVSRUW&DQDGDDOHUWVYHKLFOHRZQHUVWKDWDFFRUGLQJWRDFFLGHQWVWDWLVWLFVFKLOGUHQXQGHUD
Commentaires sur ces manuels