English: 7KH )LQQLVK DXGLRYLVXDO OHJLVODWLRQ RQ WKLV VXEMHFW GRHV QRW DSSHDU WR JR IXUWKHU WKDQ WKH 79:) 'LUHFWLYH 7KH &RQVXPHU 2PEXGVPDQ DOVR KDV JXLGHOLQHV IRU 79 DGYHUWLVLQJ GLUHFWHG DW FKLOGUHQ UHFRJQLVDEOH FOHDUO\ VHSDUDWHG IURP SURJUDPPHV QRW KDUPIXO IRU FKLOGUHQ QR YLROHQFH QR SHUVXDVLRQ WR EX\ D SURGXFW QR LQWHUUXSWLRQ RI SURJUDPPHV ZLWK D GXUDWLRQ RI OHVV WKDQ  PLQXWHV QR VSRQVRULQJ RI FKLOGUHQ¶V SURJUDPPHV FDUWRRQV PD\ QRW EH LQWHUUXSWHG E\ DQLPDWHG DGYHUWLVLQJ DGYHUWLVLQJ PD\ QRW VKRZ FKDUDFWHUV RI SURJUDPV WKDW DUH EURDGFDVWHG DW WKH VDPH WLPH  ,Q WKH 1RUGLF &RQVXPHU 2PEXGVPHQ¶V SRVLWLRQ SDSHU RI  DOO 1RUGLF FRXQWULHV GHWHUPLQHG D FRPPRQ SRVLWLRQ UHJDUGLQJ OHJLVODWLRQ RQ DGYHUWLVLQJ WKLV QRQ ELQGLQJ GRFXPHQW DOVR FRQWDLQV UXOHV RQ DGYHUWLVLQJ DQG FKLOGUHQ  7KHUH DUH QR VSHFLILF UXOHV IRU DGYHUWLVLQJ GLUHFWHG DW PLQRUV LQ WKH SUHVV RQ SRVWHUV RU DW WKH FLQHPD $V UHJDUGV WKH ,QWHUQHW WKH &RQVXPHU 2PEXGVPDQ LVVXHG VRPH *XLGHOLQHV DPRQJVW ZKLFK DGYHUWLVLQJ PD\ QRW LQFLWH D PLQRU WR RUGHU PD\ QRW DVN WKH PLQRU WR FRPPXQLFDWH SHUVRQDO LQIRUPDWLRQ DOO DGYHUWLVLQJ PXVW EH FOHDUO\ GLVWLQJXLVKHG IURP RWKHU FRQWHQW«HWF F 6SHFLILF SURYLVLRQV 6SHFLDO OHJLVODWLRQ FRQWDLQV VSHFLILF UXOHV IRU FHUWDLQ SURGXFWV IRU H[DPSOH  DOFRKRO  DGYHUWLVLQJ IRU VWURQJ DOFRKRO LV IRUELGGHQ DQG UHVWULFWHG IRU OLJKW DOFRKROLF EHYHUDJHV  WREDFFR  DOO DGYHUWLVLQJ LV IRUELGGHQ  IRRG  UHIHUHQFHV WR KHDOWK DUH QRW DOORZHG G 2WKHU PDUNHWLQJ WHFKQLTXHV 'LUHFW PDUNHWLQJ  7KH 3HUVRQ ,QIRUPDWLRQ $FW RI  DSSOLHV WR GLUHFW PDUNHWLQJ 7KH &RQVXPHU 2PEXGVPDQ KDV DOVR FUHDWHG UXOHV RQ GLUHFW PDUNHWLQJ DQG FKLOGUHQ DQG RQ PDLO RUGHU VDOH 3URPRWLRQDO VDOHV SUDFWLFHV  WKHUH DUH JXLGHOLQHV RQ FKLOGUHQ¶V FOXEV 'LDOLW VHUYLFHV DQG RIIHUV RI VSHFLDO EHQHILWV 7KH &RQVXPHU 2PEXGVPDQ LVVXHG JXLGHOLQHV FRQFHUQLQJ VSRQVRULQJ LQ VFKRROV WR DYRLG DEXVH DQG H[SORLWDWLRQ RI FKLOGUHQ¶V FUHGXOLW\
French: ),1/$1'( +RUPLV OD WUDQVSRVLWLRQ GHV GLUHFWLYHV 796) GDQV OD OpJLVODWLRQ GH O¶DXGLRYLVXHO OD OpJLVODWLRQ ILQODQGDLVH Q¶D SDV pWp PRGLILpH GH PDQLqUH VLJQLILFDWLYH ORL VXU OD WpOpYLVLRQ HW OD UDGLR HQWUpH HQ YLJXHXU OH HU MDQYLHU  HW LO Q¶H[LVWH DFWXHOOHPHQW DXFXQ SURMHW FRQFHUQDQW OD OpJLVODWLRQ DSSOLFDEOH j OD SXEOLFLWp V¶DGUHVVDQW DX[ HQIDQWV  'pILQLWLRQV (Q )LQODQGH XQ PLQHXU HVW XQH SHUVRQQH Q¶D\DQW SDV DWWHLQW O¶kJH GH  DQV ,O Q¶H[LVWH DXFXQH GpILQLWLRQ SDUWLFXOLqUH G¶XQ PLQHXUHQIDQW GDQV OD OpJLVODWLRQ DSSOLFDEOH j OD SXEOLFLWp 'DQV OD /RL VXU OD SURWHFWLRQ GHV FRQVRPPDWHXUV OH © PDUNHWLQJ ª FRXYUH WRXWHV IRUPHV GH FRPPXQLFDWLRQ FRPPHUFLDOH \ FRPSULV OD SXEOLFLWp  /pJLVODWLRQ D (Q JpQpUDO /HV SULQFLSHV JpQpUDX[ GH UpJOHPHQWDWLRQ GH OD SXEOLFLWp VRQW H[SRVpV GDQV OD ORL VXU OD SURWHFWLRQ GHV FRQVRPPDWHXUV GX  ERQQHV SUDWLTXHV SURWHFWLRQ GHV LQWpUrWV GHV FRQVRPPDWHXUV VDQWp HWF  /H U{OH OH SOXV LPSRUWDQW HVW WRXWHIRLV FHOXL GX PpGLDWHXU GHV FRQVRPPDWHXUV RPEXGVPDQ FKDUJp GH YHLOOHU j OD ERQQH DSSOLFDWLRQ GH OD OpJLVODWLRQ HQ PDWLqUH GH SURWHFWLRQ GHV FRQVRPPDWHXUV 6HV GpFODUDWLRQV VRQW SXEOLpHV GDQV GHV GLUHFWLYHV TXL QH VRQW SDV H[pFXWRLUHV PDLV TXL RQW WRXWHIRLV XQ HIIHW LPSRUWDQW GDQV OD PHVXUH R LO OHV DSSOLTXH HQ WDQW TX¶DXWRULWp GH FRQWU{OH DGPLQLVWUDWLI /H PpGLDWHXU D SXEOLp SOXVLHXUV GLUHFWLYHV H[SRVDQW OHV UqJOHV FRQFHUQDQW OD SXEOLFLWp HW OHV HQIDQWV  © (QIDQWV HW SXEOLFLWp ª © 3DUUDLQDJH HW DXWUHV IRUPHV GH PDUNHWLQJ GDQV OHV pFROHV ª HWF (Q JpQpUDO FHV UqJOHV LQGLTXHQW TX¶XQH DWWHQWLRQ SDUWLFXOLqUH GRLW rWUH DFFRUGpH j O¶LQH[SpULHQFH JpQpUDOH HW j OD OLEHUWp G¶DFWLRQ UHVWUHLQWH GHV HQIDQWV GH PDQLqUH j MXJHU DYHF XQH VpYpULWp SDUWLFXOLqUH OD SXEOLFLWp YLVDQW OHV HQIDQWV '¶XQH PDQLqUH JpQpUDOH OD SXEOLFLWp V¶DGUHVVDQW DX[ HQIDQWV PrPH kJpV GH SOXV GH  RX  DQV GRLW WHQLU FRPSWH GH OHXU LQH[SpULHQFH HW GRLW rWUH MXJpH GH IDoRQ SOXV ULJRXUHXVH TXH OD SXEOLFLWp V¶DGUHVVDQW DX[ DGXOWHV E 0pGLDV /D ORL VXU OHV DFWLYLWpV WpOpYLVXHOOHV HW UDGLRSKRQLTXHV D WUDQVSRVp OD GLUHFWLYH HXURSpHQQH 796) HW FRQWLHQW OHV UqJOHV UHODWLYHV j OD SXEOLFLWp OH WpOpDFKDW HW OH