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I@)^  21.gr.I  ݈  Nsynjarsparisj;Wurumheimildtilslustofnfjrhlutar,sbr.18.gr.,eWaneytirekkiheimildartilinnlausnarskv.1.mgr.20.gr.ogskalhannY,ef;skaWer,hafamillignguumsluhlutarinseWainnleysahanninnanrsfrYverskriflegbeiWnikomframumslueWainnlausn,sbr.Y;kvWi19.gr. >   FariinnlausnstofnfjrhlutarframskalhluturinnleysturnafnverWiaWviWbttri;nUttriheimildtilendurmatsstofnfjrskv.23.gr.I@ll(^  ݀22.gr.I  ݈  FundurstofnfjreigendageturkveWiWaWaukastofnfstarfandisparisj;WiogsettreglurumskriftnUrrastofnfjrhlutasamrmiviWkvWisamYykktum. >   XaWverW,semnUrstofnfjreigandiskalgreiWafyrirhlut,skalveranafnverWhansaWviWbttri;nUttriheimildtilendurmatsstofnfjrskv.23.gr.I@)^  23.gr.I  ݈  Frrsbyrjun1993ersparisj;WumheimiltaWendurmetastofnfsj;WsinsoggreiWainnstofnfjrreikningastofnfjreigenda.ViWendurmatYettaskalhafahliWsj;nafeftirgreindumatriWum:C $$C-- @<<2  2  ڈ.3   0  verWlagsbreytingumfr1.janar1992miWaWviWlnskjaravsitluog    @<<2  4  ڈ.3   0  stWueiginfjrhjsparisj;Wi.     NUttstofnfnUturhlutfallslegaendurmatsmiWaWviWinngreiWsluYessinnanrsins.E@'^  III.KAFLIEF  ݈?@^   Synjunums;knaumstarfsleyfi.?   ݈  G@)^  24.gr.Gn  ݈  UppfylliviWskiptabankieWasparisj;Wur,eftirYvsemviW,ekkiskilyrWi2.mgr.4.gr.umformums;knar,5.gr.umstofnendur,6.gr.umstofnf,8.gr.umstofnunrkisviWskiptabanka,9.gr.umstofnunhlutaflagsbanka,1.!3.mgr.10.gr.umhlutihlutaflagsbanka,2.mgr.15.gr.umstofnun +" sparisj;Wsog38.gr.umstj;rnviWskiptabankaeWasparisj;Wsskalums;knumstarfsleyfisynjaW.I@)^  25.gr.Ic  ݈  RWherraerheimiltaWsynjaums;knumstarfsleyfi,aWfengnumtillgumbankaeftirlitsins,seignarhluturhluthafahlutaflagsbankaeWastofnfjreigandasparisj;Wiskv.10.gr.talinn;samrUmanlegureWlilegumrekstrihlutaWeigandistofnunar.I@)^  26.gr.In  ݈  SynjunrWherrastarfsleyfiskalrkstuddogsendumskjandaskriflega,aWjafnaWieigisWarenYremurmnuWumfrYvaWfullbinums;knbarstrWherra.kvrWunrWherraskalY;valltliggjafyririnnansexmnaWa.  z)E%/ E@(^  IV.KAFLIE  ݈?@dd)^   Stj;rn.?    ݈  @ ^A.RkisviWskiptabankar.  G@)^  27.gr.G2  ݈  Yfirstj;rnrkisviWskiptabankaerhndumviWskiptarWherraogbankarWssvosemfyrirermltlgumYessum. >   BankarWrkisviWskiptabankaskipafimmmennkjrnirhlutbundinnikosninguafAlYingitilfjgurrarasennsamtjafnmrgumtilvara.RWherraskiparformannbankarWstilfjgurrararh;pihinnakjrnuaWalmannaogannanvaraformann.UmboWbankarWsgildirYartilnUtthefurveriWkjriW. >   RWherrakveWurY;knunbankarWsmannaogvaramannaYeirra.I@)^  28.gr.I   ݈  RWherrageturhvenrsemerkrafiWbankarWupplUsingaumreksturoghaghlutaWeigandirkisviWskiptabanka.I@)^  29.gr.I  ݈  Bankastj;rnrkisviWskiptabankaskalskipuWYremurbankastj;rumsemskulueigirWnirtillengritmaensexrasenn.Hafibankastj;ribrotiWafsrstarfigeturbankarWvikiWhonumfrfyrirvaralaustognlauna.BankarWskalskUrabankastj;raskriflegafrstWumfyrirfrvikningurstarfi. >   AuglUsaskalopinberlegaeftirums;knumumstWurbankastj;rameWhfilegumfyrirvara.@pp"^B.Hlutaflagsbankar. r= I@)^  30.gr.I  ݈  HluthafafundurfermeWWstavaldmlefnumhlutaflagsbankasamkvmtYvsemlgogsamYykktirbankanskveWa.I@)^  31.gr.I  ݈  Stj;rnhlutaflagsbankanefnistbankarW.BankarWiWfermeWmlefnihlutaflagsbankamillihluthafafunda. >   BankarWhlutaflagsbankaskalskipaWeigifrrienfimmmnnumogjafnmrgumtilvara.BankarWskalkjriWafhluthfumaWalfundi.@jj%^C.Sparisj;Wir. +" I@)^  32.gr.I  ݈  FundurstofnfjreigendafermeWWstavaldmlefnumsparisj;WssamkvmtYvsemlgogsamYykktirsparisj;WsinskveWa.Stj;rnsparisj;WsfermeWmlefnihansmilliYeirrafunda. >   AWalfundskalhaldasamkvmtkvWumsamYykkta,Y;eigisjaldnareneinusinniriogaldreisWarennumnuWumfrlokumhversreikningsrs. >   Aukafundskalhaldaefstofnfjreigendur,semfarameWminnst_$#  1_#$  `##  3`lKK!##  ݀hlutastofnfjr,krefjastYess #( skriflegaoggreinafundarefni. >   AukafundskalannarshaldaYegarsparisj;Wsstj;rntelurYessYrf.I@)^  33.gr.I  ݈  FundirstofnfjreigendaskuluboWaWirmeWYeimhttisemsamYykktirkveWaenY;meWtudagafyrirvarahiWskemmsta.FundarboWiskalfylgjadagskrfundarins.Stofnfjreigandaer;heimiltaWfelaWrumumboWsittframangreindumfundumnemaslktsleyftsamYykktumsparisj;Ws. >   AflatkvWasamkvmtreglum35.gr.rWurrslitumfundumnemaWruvsismltlgumYessum. >   HverstofnfjreigandirtttilaWfkveWiWmltekiWtilrlausnarfundumstofnfjreigendasparisj;WsefhanngerirskriflegakrfuumYaWtilsparisj;Wsstj;rnarmeWsvomiklumfyrirvaraaWunntsaWtakamliWdagskrfundarins. :.*5 ЇI@)^  34.gr.Io  ݈  aWalfundiskalm.a.takaeftirgreindmlfyrir:C $$C-- @<<2  2  ڈ.3   0  skUrslustj;rnarumstarfsemiliWinsstarfsrs,    @<<2  4  ڈ.3   0  staWfestinguendurskoWuWumrsreikningiogrWstfuntekjuafgangsaWfengnumtillgum a sparisj;Wsstj;rnar,sbr.59.gr.,     @<<2  6  ڈ.3   0  kosningusparisj;Wsstj;rnar,sbr.36.gr.,ogendurskoWanda,sbr.60.gr.,,    @<<2  8  ڈ.3   0  Y;knunstj;rnarmanna,svoogY;knunendurskoWanda,aWfengnumtillgum  sparisj;Wsstj;rnar,     @2   10  ڈ.3   0  breytingarsamYykktumsparisj;Wsog X    @ 2   12  ڈ.3   0  nnurmlsemaWalfundurskalfjallaumsamkvmtlgumYessumeWasparisj;Wsstj;rn X #  kveWuraWleggjafyrirfundinn.    I@)^  35.gr.IC  ݈  StofnfjreigendurskulueigajafnanhlutnemasamYykktirheimiliannaW. >   StofnfjreigendurskulueigajafnanatkvWisrttnemaWruvsiskveWiWsamYykktumsparisj;Ws.X;ereinstkumstofnfjreigendumaldreiheimilt,fyrirsjlfssnhndeWaannarra,aWfarameWmeiraen5%afheildaratkvWamagnisparisj;Wi,sbr.Y;97.gr.efsveitarflagereinistofnfjreigandinn. >   :heimilteraWfarameWatkvWisrttsamkvmtYeimstofnfjrbrfumsemsparisj;Wursjlfur,sbr.19.gr. >   XarsemtalaWerumheildaratkvWamagnsparisj;WilgumYessumerttviWheildaratkvWamagnaWfrdregnumatkvWumsamkvmtYeimstofnfjrbrfumsemsparisj;Wursjlfur.I@)^  36.gr.I  ݈  0stj;rnsparisj;Wsskulusitjafimmmenn.Stofnfjreigendurkj;saYrjstj;rnarmennenhlutaWeigandisveitarstj;rnireWahraWsnefndirtilnefnatvostj;rnarmennsamkvmtnnarikvWumsamYykktumsj;Wsins.Susveitarstj;rnireinustofnfjreigendurnirkj;sahlutaWeigandisveitarstj;rnir,eWafulltrarYeirra,allastj;rninasamrmiviWsamYykktirsparisj;Wsins.Stj;rninkUssrformannrsnumh;pi.HeimilteraWkj;savaramenn,jafnmargaaWalmnnum,eftirsmureglumoggildaumkosninguaWalmanna.Kosningstj;rnarskalverahlutbundinef;skaWer. >   Nerustofnfjreigendursparisj;Wifleirien150ogerYheimiltaWkveWasamYykktumsparisj;WsaWaWalfundurkj;sifulltrarWskipaWaWminnstakosti21fulltra.FulltrarWskalkosiWtilYriggjaraogYriWjungurrleganemafyrstaskipti.FulltrarWkUsstj;rnsparisj;Wsinssamkvmtreglum1.mgr.eftirYvsemviWgeturtt. >   Stj;rnarmenn,semeruekkikosnirafstofnfjreigendum,sitjaaWal-ogaukafundinatkvWisrttar.  UmboWstj;rnarmannsgildirYanntmasemtilertekinnsamYykktum.KjrtmabiliskalveralokiWviWlokaWalfundarsWastalagifj;rumrumeftirkjriW.I@)^  37.gr.I   ݈  NsameinasttveireWafleirisparisj;WirogerYheimiltaWkveWasamYykktumaWstj;rnsparisj;WsinsverWikosinhlutbundinnikosninguafsrstkufulltrarWi. >   FulltrarWskalYannigskipaW:C $$C- - @<<2  2  ڈ.3   0  aW_0'"'"  3_'"0'"  `&"'"D D   5` !'"&"  ݀hlutumafstofnfjreigendumhlutaWeigandisparisj;WasamkvmtsamningiYeirraYar '", um,     @<<2  4  ڈ.3   0  aW_($(x$  2_0(w$($  `(U$(w$D D   5` !(v$(U$  ݀hlutumafhlutaWeigandisveitarstj;rnumeWahraWsnefndumendahafisveitarstj;rnir (v$. eWasUslunefndirWurkosiWtilstj;rnarsparisj;Wa. >       ViWsameiningusparisj;WaerheimiltaWkveWasamYykktumaWstarfaskulistaWbundnarstj;rnir,Yriggjatilfimmmanna,starfssvWisparisj;WannaeinsogYaWvarfyrirsameiningu,kjrnarskv.36.gr.Stj;rnsparisj;WsinsseturstaWbundnumstj;rnumerindisbrfYarsemstarfssviWiYeirraernnarlUstogskalYaWstaWfestfundistofnfjreigenda.@88!^D.SameiginlegkvWi. 8.*5 I@)^  38.gr.I&'  ݈  Bankastj;rarviWskiptabankaogsparisj;Wsstj;rarskuluverabsettirhrlandi,verafjrrWa,hafa;flekkaWmannorWogaldreihafaveriWsviptirforrWiyfirbisnu. >   AukYessaWfullngjaskilyrWum1.mgr.skalmenntuneWastarfsreynslaogstarfsferillbankastj;raogsparisj;Wsstj;raverameWYeimhttiaWtryggtsaWYeirgetigegntstWusinniforsvaranleganhtt. >   BankarWsmennogstj;rnarmennsparisj;WsskulueinniguppfyllaskilyrWi1.mgr.RkisborgararannarrarkjainnanEvr;pskaefnahagssvWisinseruY;undanYegnirbsetuskilyrWinu.RWherraerheimiltaWveitarkisborgurumannarrarkjasmuundanYgu. >   Bankastj;rumogsparisj;Wsstj;rumer;heimiltaWeigastibankarWieWastj;rnsparisj;Ws.I@)^  39.gr.Is0  ݈  BankarWeWasparisj;Wsstj;rnhefuryfirumsj;nmeWstarfsemiviWskiptabankaeWasparisj;WssamrmiviWlgYessi,reglugerWireWasamYykktir.BankarWeWasparisj;Wsstj;rnskaleinnighafameWhndumalmennteftirlitmeWrekstrihlutaWeigandistofnunar.BankarWeWasparisj;Wsstj;rnannastm.a.eftirfarandiverkefni:C $$C-- @<<2  2  ڈ.3   0  aWrWabankastj;raeWasparisj;Wsstj;ra,kveWalaunogrWningarkjrYeirraog   verkaskiptingusamkvmtsrstkuerindisbrfisemgildirkveWinntma,     @<<2  4  ڈ.3   0  aWrWaforstWumannendurskoWunardeildar,sbr.7.mgr.62.gr.,{F    @<<2  6  ڈ.3   0  aWstaWfestarWningustaWgenglabankastj;raeWasparisj;Wsstj;rasamkvmttillgum F bankastj;rnareWasparisj;Wsstj;ra,     @<<2  8  ڈ.3   0  aWstaWfestatillgurbankastj;rnareWasparisj;Wsstj;raumhfuWYttistj;rnskipulagi  hlutaWeigandistofnunar,     @2   10  ڈ.3   0  aWm;tastefnuvaxtaoggjaldskrrmlumogsetjaalmennarreglurumlnveitingarog r= byrgWirstofnunarinnar,hvorttveggjaaWfenginniumsgnbankastj;raeWasparisj;Wsstj;ra,     @ 2   12  ڈ.3   0  aWsetjaaWfenginnitillgubankastj;raeWasparisj;Wsstj;raleiWbeiningarumrlega  upplUsingagjftilbankarWseWasparisj;Wsstj;rnarumveittlnogbyrgWirtileinstaklingaoglgaWilasem,beinteWa;beint,vegnaeignarhlutdeildareWaannanhtthafaveruleghrifrWstafanirhlutaWeigandistofnunareWaeruundirstj;rneinstaklingaeWalgaWilasemhafaslkhrif,     @ 2   14  ڈ.3   0  aWkveWahvaWastarfsmenn,aukbankastj;raeWasparisj;Wsstj;ra,hafaheimildtilaW  skuldbindahlutaWeigandistofnunogsetjareglurYarum,     @2  16  ڈ.3   0  aWkveWahverskulitakastiafhlfuviWskiptabankaeWasparisj;Wsstj;rnstofnunareWa `  atvinnufyrirtkisnemalgkveWiumannaW,     @2  18  ڈ.3   0  aWtakakvrWunumrWstfuntekjuafgangitilvarasj;Wsogannarrasj;Wa +" rkisviWskiptabankaeWaleggjatillgurumYessiatriWifyrirhluthafafundeWaaWalfundhlutaflagsbankaeWaaWalfundsparisj;Ws,     @2  20  ڈ.3   0  aWtakakvrWunumaWstofnaeWaleggjaniWurtib,!W%    @2  22  ڈ.3   0  aWtakakvrWunumbyggingu,kaup,sluogveWsetningufasteignumstofnunarinnar,W""&    @2  24  ڈ.3   0  aWkveWakaupogsluhlutabrfaogannarraeignarhlutaflgumeWastofnunumsem "#' viWskiptabankieWasparisj;WuraWildaWog     @2  26  ڈ.3   0  aWtakakvrWunumsamrunahlutaWeigandistofnunarviWaWraviWskiptabankaeWasparisj;Wi, $ ) sbr.72.og74.gr.      WurenkvrWunertekinskv.7.!13.tlul.1.mgr.skalleitaWtillagnabankastj;raeWa N&"+ sparisj;Wsstj;ra. >   BankarWogsparisj;Wsstj;rnfjallaeinnigumnnurmlsemYauskuluannastsamkvmtlgumYessum,reglugerWumeWasamYykktumhlutaWeigandistofnana,svoogYaumlsembankastj;rarogsparisj;Wsstj;rarleggjafyrirbankarWeWasparisj;Wsstj;rn.I@)^  40.gr.I<[  ݈  BankarWeWasparisj;Wsstj;rnheldurfundieftirYrfumeWasamkvmtYvsemkveWiWerreglugerWumeWasamYykktum.BankarWsfundiogstj;rnarfundisparisj;WsskaltWhaldaefeinneWafleiribankarWsmenneWastj;rnarmennsparisj;Ws;skaYesseWateljibanka-eWasparisj;Wsstj;rarYessYrf.Bankastj;rarogsparisj;Wsstj;rarsitjabankarWsfundieWastj;rnarfundi <.*5 sparisj;WsogtakaYttumrWumnemabankarWeWasparisj;Wsstj;rnkveWiannaW. >   FundirerulgmtirefmeirihlutibankarWsmannaeWastj;rnarmannasparisj;Wserfundi.AflatkvWarWurrslitumviWafgreiWslumls.FalliatkvWijfnrWuratkvWiformanns.UmYaWsemgeristbankarWsfundumogstj;rnarfundumsparisj;WsskalhaldingerWab;kogfundargerWirstaWfestarYannhttsembankarWeWastj;rnsparisj;WskveWur. >   BankarWsmenneWastj;rnarmennsparisj;WsogvaramennYeirraskuluekkitakaYttmeWferWmlservarWarviWskiptiYeirrasjlfraeWafyrirtkjasemYeireigahlut,sitjastj;rnhj,erufyrirsvarsmennfyrireWaeigaaWWruleytiverulegrahagsmunaaWgta.SamagildirumYtttkubankarWsmannaeWastj;rnarmannasparisj;WsmeWferWmlservarWaraWilasemeruYeimtengdir,pers;nulegaeWafjrhagslega. >   BankarWsmennogstj;rnarmennsparisj;Ws,varamennYeirra,endurskoWendurogaWrirstarfsmennmegaekkikomaframsemumboWsaWilarannarragagnvarthlutaWeigandistofnun.I@ll(^  ݀41.gr.Imrn  ݈  Bankastj;rarogsparisj;Wsstj;rarberabyrgWdaglegumrekstrihlutaWeigandistofnunarogfarameWkvrWunarvaldllummlefnumhennarsemekkieruWrumfalinmeWlgumYessum.XeimberaWsjumaWreksturinnsllumgreinumsamkvmtlgumYessum,reglugerWumeWasamYykktumogkvrWunumbankarWseWasparisj;Wsstj;rnar.I@)^  42.gr.I_rrn  ݈  Bankastj;rumogsparisj;Wsstj;rumer;heimilt,nemaaWfengnuleyfibankarWseWasparisj;Wsstj;rnar,aWsitjastj;rnstofnanaogatvinnufyrirtkjautanviWskiptabankaeWasparisj;WseWatakaYttatvinnurekstriaWWruleytinemalgkveWiumannaWeWaumsaWrWastofnuneWaatvinnufyrirtkisemhlutaWeigandistofnunaWildaW. >   Umheimildirannarrastarfsmannaskv.1.mgr.fersamkvmtreglumsembankarWeWasparisj;Wsstj;rnsetjaaWfengnumtillgumbankastj;raeWasparisj;Wsstj;ra.I@)^  43.gr.Ixrn  ݈  BankarWsmenn,stj;rnarmennsparisj;Ws,bankastj;rarogsparisj;Wsstj;rar,endurskoWendurogaWrirstarfsmennviWskiptabankaeWasparisj;WserubundnirYagnarskylduumalltYaWervarWarhagiviWskiptamannahlutaWeigandistofnunarogumnnuratriWisemYeirfvitneskjuumstarfisnuogleyntskulufarasamkvmtlgumeWaeWlimlsnemad;marirskurWiaWupplUsingarsskyltaWveitafyrird;mieWalgreglueWaskyldastilaWveitaupplUsingarlgumsamkvmt.XagnarskyldanhelstY;ttltiWsafstarfi.  # E@(^  V.KAFLIEPrn  ݈?@'^   Starfsemi.?rn   ݈  G@)^  44.gr.G5rn  ݈  StarfsemiviWskiptabankaogsparisj;Waerf;lgingeymsluogvxtunfjr,miWlunpeningum,verWbrfaviWskiptumogannarriYj;nustustarfsemisemereWlilegumtengslumviWslkviWskipti:C $$C-- @<<2  2  ڈ.3   0  M;ttakainnlnaogannarraendurgreiWanlegrafjrmunafralmenningi.,    @<<2  4  ڈ.3   0  Btlnastarfsemi,m.a.:    A    j2  b  ڈ.3   0  neytendaln,     A    j2  d  ڈ.3   0  langtmaveWln, X    A    22j2  f  ڈ.3   0  krfukaupogkaupskuldaskjalaogX #     A    j2  h  ڈ.3   0  viWskiptaln.#      @<<2  6  ڈ.3   0  Fjrmgnunarleiga.      @<<2  8  ڈ.3   0  GreiWslumiWlun.     @2   10  ڈ.3   0  BtgfaogumsUslagreiWslumiWla(t.d.greiWslukorta,ferWatkkaogvxla).O     @ 2   12  ڈ.3   0  AWveitabyrgWirogtryggingar.O     @ 2   14  ڈ.3   0  ViWskiptifyrireiginreikningeWafyrirviWskiptavinimeW:     A    j2  b  ڈ.3   0  greiWsluskjlpeningamarkaWi(vsanir,vxla,nnursambrileggreiWsluskjlo.s.frv.),     A    j2  d  ڈ.3   0  erlendangjaldeyri,{     A    22j2  f  ڈ.3   0  framvirkasamningaogskiptirtt(vilnanir),{F    A    j2  h  ڈ.3   0  gengisbundinbrfogvaxtabrfogF    A    ::j2   j  ڈ.3   0  verWbrf.    @ 2  16  ڈ.3   0  XtttakatboWumverWbrfaogYj;nustuviWskiptitengdslkumtboWum.    @2  18  ڈ.3   0  RWgjftilfyrirtkjaumuppbygginguhfuWst;ls,tlanagerWogskyldmlogrWgjfog r Yj;nustavarWandisamrunafyrirtkjaogkaupYeim.     @2  20  ڈ.3   0  PeningamiWlun.=    @2  22  ڈ.3   0  Stj;rnunogrWgjfvarWandisamvalverWbrfa.    @2  24  ڈ.3   0  VarslaogvxtunverWbrfa.    @2  26  ڈ.3   0  UpplUsingarumlnstraust(lnshfni).i    @2  28  ڈ.3   0  Btleigageymsluh;lfa.i4   UmverWbrfaviWskiptiviWskiptabankaogsparisj;WagildaeftirYvsemviWgeturttkvWilagaumverWbrfaviWskipti. >   ViWskiptabnkum,sparisj;WumogWrumstofnunum,semtilYesshafasrstakalagaheimild,ereinumheimiltaWtakaviWinnlnumfralmenningitilgeymsluogvxtunar. >   ViWskiptabnkumogsparisj;WumerheimiltaWstundavtryggingarstarfsemimeWstofnund;tturfyrirtkis. >   ViWskiptabnkumogsparisj;WumereinnigheimiltaWstundaaWrastarfsemienumrWir1.mgr.,endasslkhliWarstarfsemieWlileguframhaldiafviWskiptabanka-eWasparisj;Wsstarfsemi.TilframangreindrarstarfsemiYarfsamYykkibankaeftirlitsinssemjafnframtgeturkveWiWaWhnskulistunduWsrstkuflagi.I@)^  45.gr.IlU  ݈  ViWskiptabnkumogsparisj;WumerheimiltntakmarkanaaWyfirtakaeignirtilaWtryggjafullnustukrfu.Eignirnarskuluseldarjafnskj;ttogYaWertaliWhagkvmtaWmatibankastj;rnareWasparisj;Wsstj;ra. >   ViWskiptabnkumogsparisj;WumerheimiltaWstundatmabundiWaWrastarfsemienYsemumgetur44.gr.efYaWereinungisYeimtilgangiaWljkaviWskiptumfyrirtkjaviWviWskiptabankaeWasparisj;WeWaliWurendurskipulagningustarfsemiviWskiptaaWilaYessarastofnana.SkUrslahraWltandiskalsendbankaeftirlitinu.  +&1 I@)^  46.gr.I۲lU  ݈  ViWskiptabankarogsparisj;WirmegaekkieigaeWatakaaWveWieignarhlutieinstkumfyrirtkjumsemstundaaWrastarfsemienYsemgetiWer44.gr.ognemahrrifjrhWen15%afeiginfhlutaWeigandistofnunarWurentekiWhefurveriWtillittilfrdrttarskv.4.mgr.55.gr.EignarhluturviWskiptabankaeWasparisj;WsogheildarskuldbindingarfyrirtkisgagnvarthlutaWeigandistofnunskuluverainnanYeirramarkasemgeturreglumerrWherraseturaWfengnumtillgumbankaeftirlitsinsumhmarklnaogbyrgWatileinstakraviWskiptamannaeWafjrhagslegatengdraaWila. >   Samtalavirkraeignarhluta,sbr.skilgreininguskv.3.mgr.10.gr.,mekkinemahrrifjrhWen60%afeiginfviWskiptabankaeWasparisj;WsWurentekiWhefurveriWtillittilfrdrttarskv.4.mgr.55.gr.B;kfrtvirWisamanlagWraeignarhluta,semviWskiptabankieWasparisj;Wurhefureignast,mekkinemahrrifjrhWen100%afeiginfYeirra.EignarhlutirsemdregnirskulufrviWtreikningeiginfogeignarhlutirfyrirtkjum,semmyndasamstWumeWviWskiptabankaeWasparisj;Wi,skuluekkiteknirmeWviWtreikninghlutfallaskv.1.mgr.og1.og2.mlsl.Yessararmlsgreinar.TmabundinneignarhluturviWskiptabankaeWasparisj;Wsfyrirtkiskv.45.gr.skalekkitekinnmeWviWtreikningskv.1.mgr.og2.mlsl.Yessararmlsgreinar. >   HeimilteraWeignarhlutirviWskiptabankaeWasparisj;Wafariframyfirhlutfllskv.1.mgr.og1.mlsl.2.mgr.,endassfjrhW,semumframer,dreginfrviWtreikningeiginfjrhlutaWeigandistofnunar. >   ViWskiptabankarogsparisj;WirskulugefabankaeftirlitinusundurliWaWyfirlityfireignarhlutiWrumviWskiptabnkumeWasparisj;WumsemYeirhafaeignasteWatekiWaWveWi,sbr.Y;18.gr.  VeitiviWskiptabankieWasparisj;WurlntilkaupaeiginhlutabrfumeWastofnfjrhlutumfyrirhrrifjrhWen5%afheildarfjrhWhlutafjreWastofnfjrhlutaWeigandistofnunarskulusettar;umdeildartryggingarfyrirlnumsemeruumframframangreinthlutfall.I@)^  47.gr.IlU  ݈  ViWskiptabnkumogsparisj;Wumer;heimiltaWveitabankastj;rumeWasparisj;Wsstj;rumlneWagangabyrgWirfyrirYnemafyrirgreiWslatilYeirrassamYykktafbankarWieWasparisj;Wsstj;rn,b;kuWgerWab;kogsenganhttfrbrugWinsambrilegrifyrirgreiWslutilannarraviWskiptamanna.Bankastj;rumogsparisj;Wsstj;rumer;heimiltaWverabyrgWarmenngagnvarthlutaWeigandistofnun.kvWiYessarargreinargildireinnigummakaYeirra. >   AWWruleytiferumviWskiptistarfsmannaviWhlutaWeigandiviWskiptabankaeWasparisj;WeftirreglumsembankarWeWasparisj;Wsstj;rnseturaWfengnumtillgumbankastj;raeWasparisj;Wsstj;ra.I@)^  48.gr.IlU  ݈  Innlnsreikningar,fjrvrslureikningaroggeymsluh;lfskuluskrWnafnviWskiptamannssamtheimilisfangihansogkennitlu.SmuupplUsingaskaleinnigaflaWviWstofnunannarraviWskiptasambandahlutaWeigandistofnunarogviWskiptamannahennar,eftirYvsemunnter.I@)^  49.gr.I,  ݈  GlatistinnlnsskilrkieWaviWtkuskrteinierviWskiptabankieWasparisj;WurhafagefiWtfyrirhandveWieWageymslufgeturbankarWeWasparisj;Wsstj;rnstefnttilsnhandhafanefndraskjalameWYriggjamnaWafyrirvarafrsWustubirtinguskorunarsembirtskalYrisvarsinnumLgbirtingablaWi. >   GefienginnsigframWurenfyrirvarinnerliWinnfallaniWurllrttindihendurviWskiptabankaeWasparisj;WisamkvmtinnlnsskilrkinueWaviWtkuskrteininu.SkalviWskiptabankieWasparisj;WurY,aW;skYesssemfengiWhafWihiWfyrrainnlnsskilrkieWaviWtkuskrteiniafhentrhlutaWeigandistofnun,gefatnUtthonumtilhandaeWaYeimsemsannaraWhannleiWirttsinnlglegafrYessumaWilaogskalhiWnUjaskjalverameWsmuskilmlumoghiWfyrra.I@)^  50.gr.I  ݈  InnlnsskilrkiviWskiptabankaeWasparisj;Wa,vsaniroghverskonarskuldbindingarsem <.*5 gefnarerutnafniYeirra,skuldbindingarsemveitaYeimhandveWsrtt,arWmiWarafskuldabrfumYeirraogframslskuluundanYeginstimpilgjaldi. >   kvWi1.mgr.einnigviWumaWrarstofnanireWasj;WisemlgYessitakatil.I@)^  51.gr.I~  ݈  ViWskiptabankieWasparisj;WurmekkieigafasteignireWahlutiflgumumfasteignirfyrirhrrifjrhWensemnemur20%afeiginf.FasteignirsemviWskiptabankieWasparisj;Wurnotarvegnastarfseminnarogfasteignir,semhlutaWeigandistofnunhefuryfirtekiWtillkningarkrfuskv.1.mgr.45.gr.,reiknastY;ekkimeW.I@)^  52.gr.Ifkv  ݈  ViWkvrWunvaxtaogYj;nustugjaldaerviWskiptabnkumogsparisj;Wum;heimiltaWhafasamrWviWaWrarinnlnsstofnanir.Sparisj;WumerY;heimiltaWfelaLnastofnunsparisj;WannaeWaflagisemleysirhanaafh;lmi,sbr.99.gr.,aWleggjafyrirhlutaWeigandisparisj;WleiWbeinanditillgurumvextiogYj;nustugjldendabrj;tislktekkibgaviWkvWisamkeppnislaga,sbr.IV.kaflaYeirralaga.E@(^  VI.KAFLIEqkv  ݈?@** ^   UmlaustfogeigiWf.?kv   ݈ {F G@)^  53.gr.Ghkv  ݈  ViWskiptabankarogsparisj;WirskulukappkostaaWhafatWyfiraWrWangilegulausuftilaWgetainntafhendittektirinnlnsfogaWrargreiWslursemstarfsemihlutaWeigandistofnanafylgja.MeWlausuferttviWpeningasj;Wi,;bundnarnett;innstWurinnlendumogerlenduminnlnsstofnunumeWaLnastofnunsparisj;Wanna,rkisvxlaogaWrarsambrilegarnett;eignir.I@)^  54.gr.Ikv  ݈  EigiWfviWskiptabankaogsparisj;Wa,einsogYaWerskilgreintskv.2.mgr.,skalhverjumtmaeiginemalgrifjrhWensemsvarar8%afhttugrunni,Y.e.heildareignumhlutaWeigandiviWskiptabankaeWasparisj;WsogliWumutanefnahagsreikningssamkvmtnnarireglumummathttugrunnitiltreikningseiginfjrhlutfalliviWskiptabankaogsparisj;WasemSeWlabankinnsetur.Eiginfjrkrafanskv.1.mlsl.skaleinniggildaumsamstWureikning,sbr.66.gr. >   ViWtreikningeiginfjrhlutfalliskv.1.mgr.skaleigiWfsamsettaftveimurYttum,eiginfjrYttiAogeiginfjrYttiBogfrdrttarliWumskv.55.gr.EiginfjrYtturAskalnemaaWlgmarkihelmingieiginfjrfyrirfrdrttskv.55.gr. >   EiginfjrYtturAtelstvera:C $$C-- @<<2  2  ڈ.3   0  InnborgaWhlutafeWastofnf.#    @<<2  4  ڈ.3   0  Varasj;Wir,yfirverWsreikningurhlutafjreWastofnfjrog;rWstafaWeigiWfaWfrdregnutapi  $ rsins.     @<<2  6  ڈ.3   0  ShlutiafskriftareikningssemendurspeglarekkirUrnunverWmtitlna,Y;aWhmarki W""& 1,25%afhttugrunni,ogerumframalmennogsrstktillgreikninginn.     @<<2  8  ڈ.3   0  EndurmatsreikningursamkvmtverWb;lgureikningsskilum.#(    @2   10  ڈ.3   0  FreiginfjrYttiAskaldragaeiginhlutabrfeWastofnfjrhluti,viWskiptavildogaWrar $ ) ;Yreifanlegareignir,svoogfallnar;frWarskattskuldbindingarsemrUramguleikaviWskiptabankanseWasparisj;WsinstilaWmtatapi.     >   EiginfjrYtturBtelstvera: >   VkjandilnsemviWskiptabankareWasparisj;WirtakagegntgfusrstakrarskuldaviWurkenningarYarsemskUrterkveWiWumaWendurgreiWslutmilnsinsseigiskemmrienfimmrogaWviWgjaldYrothlutaWeigandiviWskiptabankaeWasparisj;WseWaslithansfistYaWendurgreitteftirllumWrumkrfumhendurviWskiptabankanumeWasparisj;WnumenendurgreiWsluhlutafjreWastofnfjreWasambrilegseiginfjrrkisviWskiptabanka.XegarfimmrerueftiraflnstmanumskallniWreiknastniWurum20%fyrirhvertrsemlWurafYessumfimmrumnemaumsaWrWalnsemgreiWistniWurmeWjfnumafborgunumtmabilinu.HeildarfjrhWvkjandilnamhstnema50%afeiginfjrYttiA. <.*5 ЇI@)^  55.gr.It  ݈  Freiginfskv.2.mgr.54.gr.skaldragab;kfrtvirWieignarhlutumogvkjandilnumviWskiptabankaeWasparisj;WahjWrumYeimflgumsemstundastarfsemisemtalinerupp44.gr.samrmiviWeftirfarandikvWi1.!3.tlul.,sbr.Y;2.mgr.: a C $$C- - @<<2  2  ڈ.3   0  EignarhluturflgumYarsemeignarhlutirhlutaWeigandiviWskiptabankaeWasparisj;Wsnema a, meiraen10%afhlutafviWkomandiflaga.Ennfremurvkjandilnhjsmuflgum.Eignarhlutursparisj;WsLnastofnunsparisj;Wannahf.,eWaflagisemleysirhanaafh;lmi,sbr.99.gr.,erundanskilinn.     @<<2  4  ڈ.3   0  Eignarhluturflagi,semviWskiptabankieWasparisj;WurhefureignasttmabundiWvegna  X endurskipulagningarYessflags,skalekkidragastfr.     @<<2  6  ڈ.3   0  EignarhluturflgumYarsemeignarhlutirviWskiptabankaeWasparisj;WsnemaalltaW10% #   afhlutafviWkomandiflaga,svoogeignarhlutursparisj;WsLnastofnunsparisj;Wannahf.,eWaflagisemleysirhanaafh;lmi,sbr.99.gr.FrdrtturinntakmarkastviWYheildarfjrhWeignarhlutaogvkjandilnasemerumfram10%afeiginfviWskiptabankaeWasparisj;WseinsogYaWerreiknaWskv.2.mgr.54.gr.fyrirfrdrttsamkvmtYessarigrein. >       EignarhlutirogvkjandilnhjWrumflgum,sbr.1.mgr.,semreiknastmeWsamstWureikningihlutaWeigandiviWskiptabankaeWasparisj;Ws,dragastekkifreiginfhlutaWeigandistofnunar.  Eignarhlutirogvkjandilnhjd;tturflgum,semrekavtryggingarstarfsemiskv.3.mgr.44.gr.eWastarfsemiskv.4.mgr.smugreinar,dragastfreiginfviWtreikningeiginfjrhlutfalliskv.2.mgr.54.gr. >   FreiginfdragastennfremureignarhlutirflgumsemeruumframYaumrksemgreinir1.mgr.og1.mlsl.2.mgr.46.gr. >   RWherraerheimiltaWkveWaaWaWrirefnahagsliWirengreindireru3.og4.mgr.54.gr.skuliteljastmeWeiginfaWfengnumtillgumbankaeftirlitsins. >   kvWiYessarargreinarog54.gr.skulueinniggildafyrirLnastofnunsparisj;WannaeWaflagYaWsemleysirhanaafh;lmi,sbr.99.gr.E@'^  VII.KAFLIE5  ݈?@ ^   rsreikningur,endurskoWunogsamstWureikningsskil.? 6   ݈  G@)^  56.gr.G7  ݈  BankarWogbankastj;rareWasparisj;Wsstj;rnogsparisj;Wsstj;rarskulusemjarsreikningfyrirhvertreikningsr.rsreikningurskalhafaaWgeymarekstrarreikning,efnahagsreikningogskUringar.EnnfremurskalsemjaskUrslustj;rnarsemsamtrsreikningimyndaeinaheild.ReikningsrviWskiptabankaogsparisj;WaeralmanaksriW. >   rsreikningurogskUrslastj;rnarskuluundirrituWafbankarWieWasparisj;Wsstj;rnogbankastj;rumeWasparisj;Wsstj;rum.rsreikningurrkisviWskiptabankaskalaukYessstaWfesturafrWherra.HafibankarWsmaWureWastj;rnarmaWursparisj;Ws,bankastj;rieWasparisj;Wsstj;rim;tbrurframaWfragegnrsreikningiskalviWkomandiundirritameWfyrirvaraoggeraskalgreinfyrirYvskUrslustj;rnarhverseWlisfyrirvarinner.  $ ) I@)^  57.gr.IB  ݈  rsreikningurskalgefaglggamyndaffjrhagsstWuogrekstrarafkomuviWskiptabankaeWasparisj;Ws.HannskalgerWursamrmiviWlg,reglurogg;Wareikningsskilavenjuoginnihaldam.a.rekstrarreikning,efnahagsreikningogskUringarogupplUsingarumliWiutanefnahagsreiknings. >   BankaeftirlitiWskalsjtilYesssamrWiviWreikningsskilarWaWhverjumtmaliggifyrirskilgreiningg;WrireikningsskilavenjuviWgerWrsreikningsogrshlutareikningsviWskiptabankaogsparisj;Wa. >   AlmennarleiWbeinandireglurumuppsetningursreiknings,innihaldeinstakraliWarekstrarogefnahagsreikningsogliWautanefnahagsreikningsogskUringarogmateinstkumliWumskululiggjafyriraWgengileganhtt.I@ll(^  ݀58.gr.I&MaW  ݈  0skUrslustj;rnarskalkomaframyfirlityfirstarfsemihlutaWeigandiviWskiptabankaeWasparisj;Wsrinu,svoogupplUsingarumatriWisemmikilvgeruviWmatfjrhagslegristWuhlutaWeigandistofnunarogafkomuhennarreikningsrinuerekkikomaframannarsstaWarrsreikningum. >   0skUrslustj;rnarskalennfremurupplUstumeftirfarandi:C $$C-- @<<2  2  ڈ.3   0  atburWieftiruppgjrsdagsemhafaverulegaYUWingu,{F    @<<2  4  ڈ.3   0  vntanlegaYr;unstofnunarinnarogF    @<<2  6  ڈ.3   0  aWgerWirsemhafaYUWingufyrirframtWarYr;unhennar. >      SkUrslastj;rnarskalveitaupplUsingarumfjldastarfsmannaaWmeWaltalireikningsrinu,heildarfjrhWlauna,Y;knanaeWaannarragreiWslnatilstarfsmanna,bankarWs,bankastj;ra,sparisj;Wsstj;rnar,sparisj;Wsstj;raogannarraYj;nustuhlutaWeigandiviWskiptabankaeWasparisj;Ws.Sumg;WahlutaWaWrWatilbankarWseWasparisj;Wsstj;rnarogbankastj;raeWasparisj;Wsstj;raskalhannsrgreindur.0skUrslustj;rnarskalupplUstumfjldahluthafaeWastofnfjreigendalokreikningsrs.AWWruleytigildakvWihlutaflagalagaeftirYvsemviW. >   BankarWogsparisj;Wsstj;rnskuluskUrslustj;rnargeratillguumrWstfunhagnaWihlutaWeigandistofnanaeWajfnuntaps.I@)^  59I_aW  .gr.  HagnaWisparisj;WsskalrWstafaWsemhrsegir:C $$C-- @<<2  2  ڈ.3   0  AWalfundurgeturkveWiW,aWfengnumtillgumsparisj;Wsstj;rnar,aWgreiWa `+! stofnfjreigendumarWafstofnf.Tryggingarsj;Wursparisj;WakveWurrlegahmarkshlutfallarWgreiWslu.:heimilteraWflytjaarWgreiWsluheimildmillira.     @<<2  4  ڈ.3   0  HagnaW,semekkierrWstafaWskv.1.tlul.,skalleggjavarasj;W. $   I@)^  60.gr.IfaW  ݈  rsreikningarviWskiptabankaogsparisj;WaskuluendurskoWaWiraflggiltumendurskoWandaeWaendurskoWunarstofu.rsreikningurrkisviWskiptabankaskalY;endurskoWaWurafRkisendurskoWunoglggiltumendurskoWandasemrWherraskipartilfjgurrarasenn. >   EndurskoWandiskv.1.mlsl.1.mgr.skalkjrinnaWalfundiviWskiptabankaeWasparisj;Wstileinsrssenn. >   Kj;saskalendurskoWandaviWskiptabankaeWasparisj;WssemendurskoWandam;Wur-,systurogd;tturflagiefYessernokkurkostur. >   SkylteraWveitaendurskoWandaaWgangaWllumeignum,b;kum,fylgiskjlumogWrumggnumviWskiptabankaogsparisj;Ws.JafnframtskulubankarWeWasparisj;Wsstj;rnogstarfsmennhlutaWeigandistofnunarveitahonumallarumbeWnarupplUsingarsemunnteraWltat.  +'2 aI@)^  61.gr.IsaW  ݈  EndurskoWandiviWskiptabankaeWasparisj;Wsmekkieigastistj;rn,verastarfsmaWurstofnunarinnareWastarfaYguhennaraWWruenendurskoWun. >   EndurskoWandiviWskiptabankaeWasparisj;WsmekkiveraskuldugurYeirristofnunsemhannannastendurskoWunhj,hvorkisemaWalskuldarinbyrgWarmaWur.HiWsamagildirummakahans.I@)^  62.gr.IwxaW  ݈  EndurskoWandiskalendurskoWarsreikningviWskiptabankaeWasparisj;WssamrmiviWg;WaendurskoWunarvenju.MeWendurskoWunsinniskalhannkomastaWrkstuddriniWurstWuumreiWanleikaYeirraupplUsingasemrsreikningurinnveitir.EndurskoWandiskalgangarskuggaumaWrsreikningurinnsgerWursamrmiviWlg,reglur,samYykktirogg;Wareikningsskilavenju. >   EndurskoWandiskalritarsreikning,greinafrniWurstWumendurskoWunarinnarogltalj;slit.0rituninniskalm.a.felastyfirlUsingumaWrsreikningurinnhafiveriWendurskoWaWuroggerWursamrmiviWkvWilaga,reglnaogsamYykktaogg;Wareikningsskilavenju. >   TeljiendurskoWandiaWskUrslastj;rnarhafiekkiaWgeymaYrupplUsingarsemberaWveitaeWashnekkisamrmiviWrsreikningskalhannvekjaYvathygliritunsinniogveitaviWb;tarupplUsingarsYesskostur.AWWruleytigeturendurskoWandigreintfrYeimatriWumritunsinnisemhanntelureWlilegtaWkomiframrsreikningi. >   bendingarogathugasemdir,semendurskoWandivillkomaframfriviWbankarWogsparisj;Wsstj;rneWabankastj;raogsparisj;Wsstj;ra,skalberaframskriflegaogveitaskalYessumaWilumhfileganfresttilYessaWsvara. >   LeiWiendurskoWunlj;sverulegagallarekstriviWskiptabankaeWasparisj;WseWaatriWiervarWainnraeftirlitYeirra,greiWslutryggingartlnaeWannuratriWisemveiktgetafjrhagsstWuhlutaWeigandistofnunarskalendurskoWandigerastj;rnhennarviWvartogbankaeftirlitinuogstj;rnTryggingarsj;Wssparisj;WaYegarumsparisj;WeraWrWahafihannstWutilaWtlaaWstj;rnendurstofnunarinnarhafiekkirktupplUsingaskyldusnaYessusambandi. >   EndurskoWandihefurrtttilaWsitjabankarWsfundiogstj;rnarfundisparisj;WsYarsemfjallaWerumrsreikning.EinnighefurhannrtttilaWsitjaaWalfundiviWskiptabankaogsparisj;Ws. >   ViWviWskiptabankaogsparisj;WiskalstarfaendurskoWunardeildsemannastinnriendurskoWunundirstj;rnforstWumanns,sbr.2.tlul.1.mgr.39.gr.InnriendurskoWunerhlutiafskipulagiviWskiptabankaogsparisj;WaogerYttureftirlitskerfiYeirra.BankaeftirlitiWgeturveittsparisj;WiundanYgufrstofnunslkrarendurskoWunardeildar. >   BankaeftirlitiWskalsjtilYesssamrWiviWFlaglggiltraendurskoWendaogaWrahlutaWeigandiaWilaaWhverjumtmaliggifyrirskilgreiningg;WriendurskoWunarvenjuviWendurskoWunhjviWskiptabnkumogsparisj;Wum. >   AlmennarleiWbeinandireglurumendurskoWunskululiggjafyriraWgengileganhtt.I@)^  63.gr.I.0  ݈  BankaeftirlitiWgeturltiWfaraframsrstakaendurskoWunhjviWskiptabankaeWasparisj;WiogrWiWtilYesslggiltanendurskoWanda.BankaeftirlitinuerheimiltaWltahlutaWeigandistofnunberakostnaWinnafslkriendurskoWun.I@)^  64.gr.Iٟ.0  ݈  EndurskoWaWurogundirritaWurrsreikningurviWskiptabankaeWasparisj;WssamtskUrslustj;rnarskalsendurbankaeftirlitinuinnantudagafrundirritunensWastalagiYremurmnuWumeftirlokreikningsrs. >   HafiaWalfundiveriWsamYykktarbreytingarundirrituWumrsreikningiskalbreytturrsreikningursendurbankaeftirlitinuinnantudagafraWalfundioggerWgreinfyrirYeimbreytingumsemgerWarhafaveriW. >   rsreikningurviWskiptabankaogsparisj;WssamtskUrslustj;rnarskalliggjaframmiafgreiWslustaWhlutaWeigandistofnunarogafhenturhverjumviWskiptaaWilasemYess;skarinnantveggjaviknafrstaWfestingurWherraYegarumrkisviWskiptabankaeraWrWaeWasamYykkt <.*5  }a   aWalfundarYegarumaWraviWskiptabankaeWasparisj;WieraWrWa.I@)^  65.gr.I'.0  ݈  BankaeftirlitiWseturreglurum:C $$C-- @<<2  2  ڈ.3   0  mnaWarlegefnahagsyfirlit,a,    @<<2  4  ڈ.3   0  rshlutauppgjreiginfjrhlutfalli,sbr.54.gr.,,    @<<2  6  ڈ.3   0  rshlutarekstraruppgjrogefnahagsuppgjrog    @<<2  8  ڈ.3   0  lausafjruppgjr,sbr.53.gr. >       rshlutauppgjr,semviWskiptabankarogsparisj;Wirbirtaopinberlega,skuluverasamrmduformisembankaeftirlitiWkveWur. >   BankaeftirlitiWgeturveittundanYgufrkvWumumgerWrshlutauppgjrs.I@)^  66.gr.IN.0  ݈  ViWskiptabankieWasparisj;Wur,semerm;Wurfyrirtki,myndarsamtd;tturfyrirtkisamstWu. >   ViWskiptabankieWasparisj;Wurtelstveram;WurfyrirtkiYegarhlutaWeigandistofnun:C $$C-- @<<2  2  ڈ.3   0  rWuryfirmeirihlutaatkvWaWrufyrirtki,     @<<2  4  ڈ.3   0  eignarhlutiWrufyrirtkioghefurrtttilaWtilnefnaeWavkjafrmeirihluta {  stj;rnarmannaeWastj;rnenda,     @<<2  6  ڈ.3   0  eignarhlutiWrufyrirtkioghefurrtttilaWhafaafgerandihrifstarfsemiYess F grundvellisamYykktafyrirtkisinseWasamningsviWYaW,     @<<2  8  ڈ.3   0  eignarhlutiWrufyrirtkiogrWur,grundvellisamningsviWaWrahluthafaeWa  eignaraWila,meirihlutaatkvWafyrirtkinueWa     @2   10  ڈ.3   0  eignarhlutiWrufyrirtkioghefurrWandistWuYv. >r=      Fyrirtki,semhafaYautengslviWm;WurfyrirtkisemlUster2.mgr.,teljastverad;tturfyrirtki. >   ViWmatatkvWisrttiogrttindumtilaWtilnefnaeWavkjafrstj;rnarmnnumeWastj;rnendumskalleggjasamanrttindisembWim;Wur-ogd;tturfyrirtkirWayfir.  ViWmatatkvWisrttid;tturfyrirtkiskalekkitalinnmeWatkvWisrttursemfylgireiginhlutumd;tturfyrirtkisinseWad;tturflgumYess. >   BankaeftirlitiWseturnnarireglurumgerWsamstWureikningsskila. >   kvWi46.gr.umeignarhlutio.fl.,51.gr.umfasteignirog53.!55.gr.umlnveitingar,  byrgWiroglaustfogeigiWfskulueinniggildaYegarumsamstWueraWrWa.BankarW,sparisj;Wsstj;rn,bankastj;rarogsparisj;Wsstj;rarm;WurfyrirtkisinsskulusjumframkvmdYessakvWis. >   kvWi56.! 58.gr.umrsreikningogskUrslustj;rnar,1.og4.mgr.60.gr.umendurskoWun # rsreikninga,1.mgr.61.gr.og62.gr.umendurskoWendur,1.og2.mgr.64.gr.umrsreikningaog2.mgr.92.gr.umeftirlitsskyldubankaeftirlitsinsgildaeftirYvsemviWbWifyrirsamstWunaogfyrireinstkfyrirtkisamstWunnar.kvWi3.mgr.64.gr.umskilrsreikningitilbankaeftirlitsinsog65.gr.umhvernigstandaskuliaWupplUsingaskylduviWskiptabankaogsparisj;WagildaeinnigfyrirsamstWuna.  BankaeftirlitiWgeturkveWiWaWkvWi7.og8.mgr.YessarargreinargildieinnigfyrirnnurtilvikYegarumeraWrWaviWskiptabankaeWasparisj;WsemeinnogsreWasamstarfiviWannanaWilaerYannigeignatengslumviWfyrirtkiaWnauWsynlegtteljistaWbeitaYessumreglum. >   kvWi7.og8.mgr.YessarargreinargildaekkiumfyrirtkisemviWskiptabankieWasparisj;WurhefureignasttmabundiWhlut,annaWhvorttilaWtryggjafullnustukrfueWavegnaendurskipulagningarYessfyrirtkis.BankaeftirlitiWgeturY;kveWiWaWumrddkvWiskuligilda. >   BankaeftirlitiWgeturveittundanYgufrkvWum7.og8.mgr.Yessarargreinar.a}E@'^  VIII.KAFLIEtki  ݈?@^   SlitviWskiptabankaogsparisj;Wa.?Ttki   ݈ +'2 G@)^  67.gr.G*tki  ݈  HafibankarWeWasparisj;Wsstj;rneWabankastj;rareWasparisj;Wsstj;rarhlutaWeigandistofnunarstWutilaWtlaaWeigiWfhennarsundirYvlgmarkisemkveWiWerum54.gr. <.*5 berYeimYegarstaWaWtilkynnaYaWbankaeftirlitinu.SambrilegskyldahvlirendurskoWandahlutaWeigandistofnunarhafihannstWutilaWtlaaWstj;rnendurhennarhafiekkirktskyldusnaskv.1.mlsl.Yessararmlsgreinar. >   Erbankaeftirlitinubersttilkynningskv.1.mgr.eWatelurafWrutilefnistWutilaWtlaaWeigiWfviWskiptabankaeWasparisj;WssundirYvlgmarkisemkveWiWerum54.gr.skalYaWkrefjastj;rnstofnunarinnarYegarstaWumreikningsuppgjrsemhenniberaWafhendainnanhfilegsfrests. >   KomiframreikningsuppgjriaWhtti2.mgr.aWeigiWfviWskiptabankaeWasparisj;WsfullngiekkikvWum54.gr.skalbankarWeWasparisj;Wsstj;rnntafarboWatilfundarhluthafaeWastofnfjreigendatilkvrWunarogafhendasWanbankaeftirlitinugreinargerWYarsemframkemurtilhverrarWstafanahnhyggstgrpaafYessutilefni.SkalbankaeftirlitiWYegarafhendarWherrareikningsuppgjrendurskoWandaoggreinargerWbankarWseWasparisj;Wsstj;rnarsamtumsgnsinni.kvWiYessararmlsgreinartekureinnigtilrkisviWskiptabankaeftirYvsemviWgeturtt.0slkumtilvikumskalrWherraleggjafyrirAlYingitillguumrWstafanirergrpaskulitil. >   XegarrWherrahafaboristggnskv.3.mgr.erhonumheimiltaWveitahlutaWeigandiviWskiptabankaeWasparisj;WifrestalltaWsexmnuWitilYessaWaukaeigiWfaWlgmarkiskv.54.gr.SutilYessrkarstWuraWmatirWherraerhonumheimiltaWframlengjaYennanfrestalltaWsexmnuWitilviWb;tar.RWherraerheimiltaWstyttaWurkveWinnfresteWafellahannniWurefhonumYykirsUntaWviWleitniviWskiptabankanseWasparisj;Wsinstilrb;tamuniekkiberarangur.I@)^  68.gr.I^tki  ݈  BviWskiptabankaeWasparisj;WsverWurekkitekiWtilgjaldYrotaskiptaeftiralmennumreglum. >   SltaberviWskiptabankaeWasparisj;Wieftirtldumtilvikum:C $$C- - @<<2  2  ڈ.3   0  efrWherrasynjarviWskiptabankaeWasparisj;WiumfrestaWhtti4.mgr.67.gr.eWafrestur  samkvmtYvkvWierendanYessaWstofnuninnihafitekistaWaukaeigiWfframyfirYaWlgmarksemkveWiWerum54.gr.,     @<<2  4  ڈ.3   0  efskylteraWsltaviWskiptabankaeWasparisj;WisamkvmtsamYykktumhlutaWeigandi i4 stofnunar,     @<<2  6  ڈ.3   0  efhluthafafundureWafundurstofnfjreigendakveWuraWsltaviWskiptabankaeWasparisj;Wi. >      0Yeimtilvikum,semgetiWer2.eWa3.tlul.2.mgr.,skalbankaeftirlitiWsamkvmtbeiWnirWherraaflareikningsuppgjrsstj;rnarhlutaWeigandiviWskiptabankaeWasparisj;Wssamahttogskv.2.mgr.67.gr.ogafhendaYaWhonumsamtlitsgerWsinniumhvorteignirviWskiptabankanseWasparisj;Wsinshrkkvifyrirskuldum. >   kvrWunskv.3.tlul.2.mgr.erYvaWeinsgildaWhnhlj;tisamYykkiminnst_   2_/tki   `tt  3`tki!  ݀hluta # greiddraatkvWa,svoogsamYykkistofnfjreigendasemrWayfirminnst_    2_tki    ` g   3`Qtki!  g  ݀hlutumYessstofnfjr  $ semfariWermeWatkvWifyrirfundistofnfjreigenda.I@ll(^  ݀69.gr.Itki  ݈  XegarskylteraWsltaviWskiptabankaeWasparisj;Wiskv.1.tlul.2.mgr.68.gr.eWaYegarframkemuraflitsgerWbankaeftirlitsins,tilvikumsemeigaundir2.eWa3.tlul.samakvWis,aW;vstsaWeignirviWskiptabankaeWasparisj;WshrkkvitilgreiWsluskuldastofnunarinnarskalrWherrasendahraWsd;maravarnarYingihlutaWeigandistofnunarkrfuumaWbhennarverWitekiWtilgjaldYrotaskipta.BannlgumumgjaldYrotaskiptio.fl.viWYvaWbopinberrarstofnunarverWitekiWtilgjaldYrotaskiptaerekkiYvtilfyrirstWuaWslktsgertvarWandirkisviWskiptabanka.r}a  XegarskylteraWsltaviWskiptabankaeWasparisj;Wiskv.2.eWa3.tlul.2.mgr.68.gr.ogbankaeftirlitiWtelursUntaWeignirhlutaWeigandistofnunarhrkkvifyrirskuldumskalrWherrasendahraWsd;maravarnarYingistofnunarinnarkrfuumaWbhennarverWitekiWtilskiptatilslitaviWskiptabankanumeWasparisj;Wnum. >   XegarhraWsd;marihefurkannaWhvortfullngtsskilyrWum68.gr.fyrirkrfunniskalhannkveWaupprskurWumhvortorWiWskuliviWhenni. > m-8)4    0innkllunbviWskiptabankaeWasparisj;WsskaltekiWframhvortYaWhafiveriWtekiWtilskiptaaWhtti1.eWa2.mgr.I@)^  70.gr.I1r  ݈  LeiWiekkiannaWafkvWumYessaralagaskuluumskiptibiviWskiptabankaeWasparisj;WsgildaalmennarreglurlagaumgjaldYrotaskiptio.fl.eftirYvsemttgeturviWaWYvundanteknuaWkvWiYeirraumriftunrWstafanagildaekkiumskiptisemkominerutilskv.2.mgr.69.gr. >   XegarkvWilagaumgjaldYrotaskiptio.fl.miWarttarhrifviWfrestdagskaljafngildaYeimdegiviWskiptibiviWskiptabankaeWasparisj;WssdagursemrWherrahefurveittfrestaWhtti4.mgr.67.gr.ensslkurfresturekkiundanfariskiptaskalmiWaWviWYanndagsemhraWsd;maraberstkrafarWherraskv.1.eWa2.mgr.69.gr.  Xegarallarskuldirsparisj;WshafaveriWgreiddarskalgreiWastofnfjreigendumeignarhlutYeirraafeftirstWvumeignasj;Wsins.Xeimeignum,semYkunnaaWveraeftir,skalrWstafaWsamrmiviWkvWisamYykktasparisj;Wsins.X;erekkiheimiltaWrWstafaeftirstWvumeignatilstofnfjreigenda,sbr.4.mgr.17.gr.I@)^  71.gr.I   ݈  XegarskipterbirkisviWskiptabankaskalrWherranj;tasmuheimildatilaWskjaskiptafundiogtilaWhaldaYaruppim;tmlumeWagerakrfuroglnardrottinnsemfermeWviWurkenndakrfubiW.E@(^  IX.KAFLIED  ݈?@(^   Samruni.?   ݈ r G@)^  72.gr.G(  ݈  SamruniviWskiptabankaeWasparisj;WaerYvaWeinsheimillaWkvrWumYaraWltandihafihlotiWsamYykkiminnst_  2_  `   3`i !  ݀hlutagreiddraatkvWa,svoogsamYykkihluthafaeWastofnfjreigenda  viWkomandistofnanasemrWayfirminnst_  2_R  `y  3`!y  ݀hlutumYesshlutafjreWastofnfjrsemfariWermeW  atkvWifyrirhluthafafundumeWafundumstofnfjreigendaaWfengnusamYykkirWherraogumsgnbankaeftirlitsins.UmsamrunahlutaflagsbankagildaaWWruleytikvWilagaumhlutaflgeftirYvsemviWgeturttogsamningarhlutaWeigandiaWila. >   ViWsamrunaviWskiptabankaeWasparisj;WaviWeinstakarekstrarhlutaannarrastofnanaskalfaraaWhtti1.mgr. >   ViWsamrunaskv.1.og2.mgr.tekurhinsameinaWastofnunviWallristarfsemi,rttindumogskyldumhlutaWeigandistofnana. >   ViWskiptabankaeWasparisj;Wi,semerslitiWvegnasamrunaskv.1.mgr.,erekkiskyltaWgefatinnklluntillnardrottnaeWahaldaeignumsnumaWgreindum.BreytingeignaskrninguveWmlab;kumvegnasamrunaviWskiptabankaeWasparisj;WaerundanYeginstimpilgjldum. >   AuglUsaskalsamrunaviWskiptabanka-eWasparisj;WastarfsemiLgbirtingablaWi.0auglUsinguskaltilgreinahvenrsamrunitekurgildi,nfnhlutaWeigandistofnana,fresttilaWgeraathugasemdirviWyfirfrsluinnlnsreikninga,hugsanlegarbreytingargreiWslustWumskuldaskjalaogannaWsemkunngeraYarfviWskiptamnnumsrstaklega.  %J!* I@)^  73.gr.IJ&  ݈  ViWsamrunatveggjaeWafleiriviWskiptabankaeWasparisj;WaskaleigiWf,semverWurtilviWsamruna,ekkiveralgraensamanlagteigiWfhlutaWeigandistofnanaYeimtmasemsamrunittisrstaW,endahafilgmarkiskv.1.eWa2.mgr.6.gr.ekkiveriWnW.I@)^  74.gr.IO)  ݈  SamrunirkisviWskiptabankaviWannanviWskiptabankaeWasparisj;WeraWeinsheimillaWfengnuleyfirWherra.AWWruleytigildakvWi72.gr.umslkansamrunaeftirYvsemviWgeturtt.E@(^  X.KAFLIE+  ݈?@ ^   Tryggingarsj;WirviWskiptabankaogsparisj;Wa.?5,   ݈    @#^A.ViWskiptabankar.   G@)^  75.gr.G-  ݈  Tryggingarsj;WurviWskiptabankaersjlfstWstofnuneigurkisinsmeWsrstakanfjrhag.HannstarfartveimursjlfstWumdeildum,innstWudeildoglnadeild,meWaWskilinnfjrhagogreikningshald.EignirannarrardeildarinnarverWaekkinotaWartilaWstandaskilskuldbindingumhinnar. >   HlutverkTryggingarsj;WsertvYtt:C $$C-- @<<2  2  ڈ.3   0  AWtryggjafullskilinnlnsfYegarskiptibiviWskiptabankaberaWskv.1.mgr.69.gr. F aWYvleytisemeignirinnstWudeildarsj;Wsinshrkkvatil.     @<<2  4  ڈ.3   0  AWveitaviWskiptabankavkjandilnrlnadeildYvskyniaWeflaeiginfjrstWuhans,enda  verWifjrtilYessaflaWsrstaklegameWlntkuogmeWsamYykkirWherra.Wurenstj;rnsj;WsinsveitirvkjandilnrlnadeildskalleitaWsamYykkisrWherra. >       StefntskalaWYvaWheildareigninnstWudeildarTryggingarsj;Wsnia.m.k.1%afheildarinnlnumviWskiptamannabankannainnlnsreikningum.0YessuskyniskalhverbankigreiWaeigisWaren1.marsrhvertgjaldtildeildarinnarernemialltaW0,15%afheildarinnlnumsamkvmtnnarikvrWunrWherra. >   Stj;rnTryggingarsj;WsskalskipuWsexmnnumtilYriggjarasennogjafnmrgumtilvara.Xrrstj;rnarmannaskuluskipaWirafrWherrasamkvmttilnefninguSambandsslenskraviWskiptabanka,einnsamkvmttilnefningufjrmlarWherra,einnsamkvmttilnefninguSeWlabanka0slandsogeinnntilnefningarogskalhannjafnframtveraformaWurstj;rnar. >   RWherraseturnnarikvWiumTryggingarsj;WreglugerW,svosemumverksviWstj;rnar,vxtuneignumsj;WsinsogtilhgungreiWslnarinnstWudeildertryggieigenduminnlnsfjrsemskj;tastaendurgreiWsluinnlnaYegarrskurWurumupphafskiptameWferWarbankaerfallinn.@nn%^B.Sparisj;Wir.  $ I@)^  76.gr.IFipta  ݈  Tryggingarsj;Wursparisj;Waersjlfseignarstofnunsemallirsparisj;WirskuluveraaWilaraW. >   MeginhlutverkTryggingarsj;WseraWtryggjafjrhagslegtryggisparisj;WaogfullskilinnlnsfviWendurskipulagningueWaslitsparisj;Ws,sbr.VIII.ogIX.kaflalagaYessara.Stj;rnTryggingarsj;WsgetureftiratvikumkveWiWaWtryggjaskilWrumskuldbindingumsparisj;Ws.0Yessuskynierstj;rnTryggingarsj;Wsheimilt:C $$C-- @<<2  2  ڈ.3   0  aWveitasparisj;WilneWayfirtakavissareignirsparisj;Ws,N&"+    @<<2  4  ڈ.3   0  aWgangabyrgWfyrirsparisj;W,'",    @<<2  6  ڈ.3   0  aWbtasrstakttapogkostnaWsemsparisj;WurverWurfyrirog'#-    @<<2  8  ڈ.3   0  aWveitasparisj;WumstuWningaWWruleytihvernYannhttsemstj;rnTryggingarsj;Ws (z$. kveWursamrmiviWlgYessiogsamYykktirsj;Wsins. >       Stj;rnTryggingarsj;WsgetursetttiltekinskilyrWifyriraWstoWsemsparisj;WierveittsamkvmtheimildarkvWumYessum.I@)^  77.gr.IUipta  ݈  Hversparisj;WurskaleigisWaren1.marsrhvertgreiWaframlagtilTryggingarsj;Wsernemi q-<)4 alltaW0,15%afheildarinnlnsfsparisj;Wsinsumnsturam;tundan.AWalfundurkveWurhlutfalliWenYaWskalverahiWsamafyrirallasparisj;Wina.StefntskalaWYvaWheildareignTryggingarsj;Wsnia.m.k.1%afheildarinnlnsfsparisj;Wannainnlnsreikningum.XegarYvhlutfalliernWogbyrgWirskv.2.mgr.erufallnarniWureraWal-eWaaukafundiheimiltaWkveWaaWgreiWslumtilTryggingarsj;WsverWihtt.VerWirWstfunarfminnaen1%afheildarinnlnsfsparisj;WannaskulugreiWslurteknaruppaWnUjusamkvmtnnarikvrWunaWal-eWaaukafundar. >   XartilheildareignTryggingarsj;WshefurnWlgmarkiskv.3.mgr.75.gr.skalhversparisj;WurgangabyrgWfyrirTryggingarsj;WmeWupphWernemaskal0,4%afheildarinnlnsfsj;Wsinshverjumtma.XessibyrgWlkkarhlutfallslegaeftiraWeigiWfTryggingarsj;WshefurnW0,6%afheildarinnlnsfsparisj;Wanna.Sparisj;WirnirskululeggjaframformlegartryggingarfyrirbyrgWsinnieftirnnarikvrWunstj;rnarTryggingarsj;Ws. >   Tryggingarsj;Wisparisj;WaerheimiltaWtakalnmeWsamYykkirWherraYvskyniaWveitasparisj;WivkjandilntilaWeflaeiginfjrstWuhans.I@)^  78.gr.Igipta  ݈  AWalfundurfermeWWstavaldmlefnumTryggingarsj;Ws. >   Hversparisj;WurferaWalfundimeWatkvWisrttsamrmiviWhlutfallinnborgaWsrsframlagshansafheildarrsframlgumsj;WinnsWastareikningsrfyriraWalfund.Enginnsparisj;WurmY;farameWmeiraen_]{F  1_kiptazE]  `X#zE    10`6lipta!yDX#  ݀hlutaheildaratkvWamagnsTryggingarsj;Wnum. > yD    AWalfundurstaWfestirrsreikningsj;Wsins. >   UmboWunoglgmtiaWalfundarferskv.1.mgr.33.gr.lagaYessara.I@)^  79.gr.Ioipta  ݈  Stj;rnTryggingarsj;WsfermeWmlefnihansmilliaWalfunda.Stj;rninskalskipuWfimmmnnum.Fj;rirstj;rnarmennsamtjafnmrgumvaramnnumskulukjrniraWalfunditileinsrssenn,hlutbundinnikosninguef;skaWer.ForstWumaWurbankaeftirlitsinseWavaramaWurhansfaststistj;rnTryggingarsj;Ws.Stj;rnTryggingarsj;WskUssrformannogskiptirmeWsrverkum.I@)^  80.gr.Itipta  ݈  Stj;rnTryggingarsj;WshefurheimildtilaWrannsakaeWaltarannsakareksturogefnahagsparisj;Ws,YarmeWtaldaframkvmdendurskoWunar.Geturstj;rninYessusambandikrafistnauWsynlegraupplUsingafrsparisj;Wi. >   Stj;rnogstarfsmennTryggingarsj;WserubundnirYagnarskyldusamrmiviWkvWi43.gr.I@)^  81.gr.I:yipta  ݈  AWalfundurseturTryggingarsj;WisamYykktirsemhWarskulustaWfestingurWherraaWfenginniumsgnbankaeftirlitsins.I@)^  82.gr.I{ipta  ݈  Tryggingarsj;Wursparisj;WaerundanYeginntekjuskattiogeignarskattisamkvmtlgumumtekjuskattogeignarskattoggreiWsluaWstWugjaldssamkvmtlgumumtekjustofnasveitarflaga.E@(^  XI.KAFLIE~ipta  ݈?@R R ^   UmstarfsemierlendraviWskiptabankaogsparisj;Wahrlandi. '", ?    G@)^  83.gr.G=  ݈ '#-   ErlendirviWskiptabankarogsparisj;Wir,semhafastaWfesturkiinnanEvr;pskaefnahagssvWisinsoghlotiWhafastarfsleyfilgbrrayfirvaldaYvrki,getastofnsetttibhrlanditveimurmnuWumeftiraWbankaeftirlitiWhefurfengiWtilkynninguYessefnisfreftirlitsaWilumheimarkinu.BtibinuerheimiltaWveitahverjaYYj;nustusemlgYessitakatil,endashlutaWeigandistofnunheimiluWslkYj;nustaheimarkihennar. >   BankaeftirlitiWaflarupplUsingahjeftirlitsaWilaheimarkierlendsviWskiptabankaeWasparisj;Wsum: o-:)4 C $$C-- @<<2  2  ڈ.3   0  lUsingustarfsemitibsins,skipulagogfyrirhugaWastarfsemiYesshrlandi,5    @<<2  4  ڈ.3   0  staWfestinguaWfyrirhuguWstarfsemisheimiluWheimarkinu,    @<<2  6  ڈ.3   0  heimilisfangtibsins,    @<<2  8  ڈ.3   0  nfnstj;rnendatibsins,a    @2   10  ڈ.3   0  upphWeiginfjrogeiginfjrhlutfallviWskiptabankanseWasparisj;Wsinsoga,    @ 2   12  ڈ.3   0  upplUsingarumtryggingarheimarkinuinnlnumtibinusumYraWrWa. >,      VerWibreytingarWurtilkynntumupplUsingumskv.1.!4.og6.tlul.2.mgr.skal  hlutaWeigandiviWskiptabankieWasparisj;WurtilkynnaYrbankaeftirlitinueigisWareneinummnuWiWurenbreytingarnarkomatilframkvmda. >   kvWilagaumhlutaflgvarWanditiberlendrahlutaflagaeigaekkiviWumtibskv.1.mgr. >   ViWskiptabankiogsparisj;Wurskv.1.mgr.getanotaWsamaheitiognotaWerheimarkihlutaWeigandistofnunar.ShttaaWvillstverWinfnumerlendraoginnlendraviWskiptabankaeWasparisj;WasemstarfahrlandigeturbankaeftirlitiWfariWframaWnfnhinnafyrrnefnduverWiauWkenndsrstaklega.I@)^  84.gr.Ik   ݈  ErlendumviWskiptabnkumogsparisj;Wum,semhafastaWfesturkiinnanEvr;pskaefnahagssvWisinsoghafahlotiWstarfsleyfilgbrrayfirvaldaYvrki,erheimiltaWveitaYj;nustuhrlandinstofnunartibsYegarbankaeftirlitiWhefurfengiWtilkynninguYaraWltandifrlgbrumeftirlitsaWilumheimarkihlutaWeigandistofnunar.FramangreindumstofnunumerheimiltaWveitahverjaYYj;nustusemlgYessitakatilskv.44.gr.lagaYessara,endahafieftirlitsaWilarheimarkiYeirrastaWfestaWstarfsleyfiWtakitilslkrarYj;nustu.I@)^  85.gr.Iv   ݈  ViWskiptarWherraerheimiltaWsetjannarireglurumYstarfsemiviWskiptabankaogsparisj;Wasemumgetur1.mgr.83.gr. >   UmheimildirerlendraviWskiptabankaogsparisj;Wa,annarraenumrWir1.mgr.83.gr.,tilstarfsemihrlandifereftirreglumsemviWskiptarWherraseturaWfengnumtillgumbankaeftirlitsins.E@'^  XII.KAFLIE   ݈?@ ^   UmstarfsemiinnlendraviWskiptabankaogsparisj;Waerlendis. `  ?U    G@)^  86.gr.G   ݈ `+!   ViWskiptabankarogsparisj;Wir,semhlotiWhafastarfsleyfiviWskiptarWherraskv.4.gr.og;skaeftiraWstarfrkjatibWrurkiinnanEvr;pskaefnahagssvWisins,skulutilkynnaYaWbankaeftirlitinusamteftirfarandiupplUsingum:C $$C- - @<<2  2  ڈ.3   0  hvaWarkifyrirhugaWsaWstofnatib,!W%    @<<2  4  ڈ.3   0  lUsingustarfsemitibsins,skipulagiogfyrirhugaWristarfsemi,W""&    @<<2  6  ڈ.3   0  heimilisfangitibsinsog"#'    @<<2  8  ڈ.3   0  nfnumstj;rnendaYess. >#(      EigisWarenYremurmnuWumeftiraWbankaeftirlitiWhefurm;ttekiWupplUsingarskv.1.mgr.skalYaWsendaYrtileftirlitsaWilagistirkinusamtupplUsingumumeigiWfhlutaWeigandistofnunar,gjaldfrniogtryggingarinnlna.TilkynninghraWltandiskaleinnigsendviWkomandistofnun.BankaeftirlitiWskalsamtmiseinnigsendahlutaWeigandieftirlitsaWilumstaWfestinguYessefnisaWfyrirhuguWstarfsemissamrmiviWstarfsleyfiviWskiptabankanseWasparisj;Wsins. >   BankaeftirlitiWgeturhafnaWbeiWniumaWsendaupplUsingarskv.2.mgr.teljiYaWstWutilaWefastumaWstj;rnunarleguppbyggingogfjrhagsstaWahlutaWeigandiviWskiptabankaeWasparisj;WssngilegatrausttilaWrttltastofnuntibsskv.1.mgr.TilkynnaskalhlutaWeigandistofnunsvoflj;ttsemauWiWerumafstWubankaeftirlitsinsogeigisWarenYremurmnuWumfrm;ttkuupplUsingaskv.1.mgr. >   ViWskiptabankarogsparisj;WirskulutilkynnabankaeftirlitinuoglgbrumeftirlitsaWilaYvrkiYarsemYeirstarfrkjatibumhverjarYrbreytingarsemkunnaaWverWaWurveittum q-<)4 upplUsingumskv.1.mgr.eigisWareneinummnuWiWurenfyrirhugaWarbreytingarkomatilframkvmda.I@ll(^  ݀87.gr.I  ݈  :skiviWskiptabankieWasparisj;WuraWveitaYj;nustuWrurkiinnanEvr;pskaefnahagssvWisins,nYessaWstofnaYartib,skaltilkynnaYaWbankaeftirlitinu.0tilkynninguskalkomaframhvaWarkieigihlutoghverjufyrirhuguWstarfsemisf;lgin. >   EigisWareneinummnuWifrYvaWbankaeftirlitiWhefurm;ttekiWtilkynninguskv.1.mgr.framsendirYaWYessarupplUsingartillgbrraeftirlitsaWilaviWkomandirkisamtstaWfestinguYvaWstarfsleyfiviWskiptabankaeWasparisj;WsheimilifyrirhugaWastarfsemi.I@)^  88.gr.I~  ݈  HyggistviWskiptabankieWasparisj;WurhefjastarfsemirkiutanEvr;pskaefnahagssvWisinsskalYaWtilkynntbankaeftirlitinufyrirframsamtlUsingufyrirhugaWristarfsemiogWrumupplUsingumsembankaeftirlitiWtelurnauWsynlegarYaraWltandi.E@'^  XIII.KAFLIE  ݈?@ ^   Afturkllunstarfsleyfa.?1   ݈ {  G@)^  89.gr.G   ݈  RWherrageturafturkallaWstarfsleyfiviWskiptabankaeWasparisj;WaaWfengnumtillgumbankaeftirlitsins:C $$C-- @<<2  2  ڈ.3   0  uppfyllihlutaWeigandistofnanirekkikvWi6.gr.umstofnf,7.gr.umeigiWfeWa1.mgr.  15.gr.umfjldastofnfjreigendaeftirYvsemviW,     @<<2  4  ڈ.3   0  hefjihlutaWeigandistofnunekkistarfsemiinnanYeirratmamarkasemrWherrakveWurskv. r= 1.mgr.4.gr.,     @<<2  6  ڈ.3   0  brj;tihlutaWeigandistofnunmeWalvarlegumhttieWatrekaWgegnlgumYessum,reglum,  samYykktumeWareglugerWumsettumsamkvmtYeimeWa     @<<2  8  ڈ.3   0  suaWstWurmeWYeimhttisemgreinir4.mgr.10.gr.umhfihluthafaeWa38.gr.um i hfibankarWsmannaeWastj;rnarmannasparisj;Wsogstj;rnendaviWkomandistofnana.      Wurentilafturkllunarkemurskv.1.mgr.skalhlutaWeigandistofnunveitturhfilegurfresturtilrb;tasYesskostur.I@)^  90.gr.I<  ݈  UppfylliviWskiptabankieWasparisj;WurekkiskilyrWi54.gr.umeigiWfskalrWherraafturkallastarfsleyfihlutaWeigandistofnunaraWfengnumtillgumbankaeftirlitsins,endahafieigiWfekkiveriWfrtlgmlthorfinnanYeirratmamarkasemkveWiWerum4.mgr.67.gr.I@)^  91.gr.II  ݈  AfturkllunstarfsleyfiviWskiptabankaeWasparisj;WsskaltilkynntbankarWieWasparisj;Wsstj;rnogrkstuddskriflega.TilkynningumafturkllunskalbirtLgbirtingablaWiogauglUstfjlmiWlum.StarfrkihlutaWeigandistofnuntibeWaYj;nustustarfsemiWrurkiinnanEvr;pskaefnahagssvWisinsskaltilkynnalgbrumeftirlitsaWilumYvrkiumafturkllunina. >   KomitilafturkllunarstarfsleyfiviWskiptabankaeWasparisj;WsskalhlutaWeigandistofnunslitiW.E@'^  XIV.KAFLIE)  ݈?@NN(^   Eftirlit.?   ݈ (z$. G@)^  92.gr.G$  ݈  BankaeftirlitSeWlabanka0slandshefureftirlitmeWaWstarfsemiYeirrafyrirtkjaogstofnana,semlgYessitakatil,ssamrmiviWkvWiYeirra,reglursettarsamkvmtYeimogsamYykktirhlutaWeigandistofnana.UmeftirlitiWfersamkvmtkvWumlagaYessaraoglagaumSeWlabanka0slands. >   BankaeftirlitiWskalrannsakafjrhagviWskiptabankaogsparisj;WasemskuluveitaallarYr q-<)4 upplUsingarsemeftirlitiWtelurnauWsynlegar.0Yeimmli,sembankaeftirlitiWtelurnauWsynlegttilaWmetafjrhagsstWuviWskiptabankaeWasparisj;Ws,hefurYaWrtttilaWaflaupplUsingaogframkvmavettvangsathugunhjtengdumfyrirtkjumeWahlutdeildarfyrirtkjum.I@)^  93.gr.I  ݈  EftirlitsaWilumrkiinnanEvr;pskaefnahagssvWisinserheimiltaWframkvmaathuguntibumYarlendrastofnanahrlandiaWundangenginnitilkynninguYessefnistilbankaeftirlitsins.I@)^  94.gr.I  ݈  BankaeftirlitinuerheimiltaWbannaerlendumviWskiptabankaeWasparisj;WimeWaWalstWvarrkiinnanEvr;pskaefnahagssvWisinsaWstundastarfsemihrlandihafihlutaWeigandistofnunbrotiWgr;flegaeWatrekaWgegnkvWumlagaYessaraeWasamYykktumogreglumsettumsamkvmtYeimeWagegnkvWumannarralagaumfjrmla-oglnastofnanir,endahafiekkitekistaWbindaendaframangreindbrotsamkvmttilmlumeWaviWurlgumYessaralaga. >   MlsmeWferWskv.1.mgr.feraWkvWumsamningsumEvr;pskaefnahagssvWiWeftirYvsemviW.I@)^  95.gr.I  ݈  BankaeftirlitiWskalhaldaskryfirstarfandiviWskiptabankaogsparisj;WiogtibYeirra.0skrnniskulukomaframallarnauWsynlegarupplUsingarumhlutaWeigandistofnun.AllarbreytingarWurskrWumupplUsingum,YarmeWalfjlguneWafkkuntiba,skulutilkynntarbankaeftirlitinufyrirfram.E@(^  XV.KAFLIE  ݈?@xx&^   TmiskvWi.?    ݈  G@)^  96.gr.G  ݈  ViWskiptarWherrafermeWframkvmdlagaYessara.HonumerheimiltaWkveWannarumframkvmdYeirrameWreglugerW.I@)^  97.gr.IS   ݈  kvWi1.mgr.15.gr.umfjldastofnfjreigendasparisj;Wiog2.mgr.35.gr.umtilhgunatkvWisrttarsparisj;WitakahvorkitilYeirrasparisj;WaYarsemsveitarflgoghraWsnefndirerueinstofnfjreigendaviWgildistkulagaYessarantilsamrunaYeirra,sbr.72.gr.ShraWsnefndeinstofnfjreiganditakmarkastatkvWisrtturhversaWilaviW_B +  1_ *B   `*  5`qGG!)  ݀hlutaaf )" atkvWamagnisparisj;Wi.I@)^  98.gr.Ix  ݈  KostnaWurviWbirtingartilkynningasamkvmtlgumYessumgreiWistafhlutaWeigandiviWskiptabankaeWasparisj;Wi.I@)^  99.gr.I  ݈  XrttfyrirkvWi1.mgr.10.gr.erheimiltaWleggjahmlurviWskiptimeWhlutibankasemstofnaWurerafsparisj;WunumogtlaWerm.a.aWtakaviWhlutverkiLnastofnunarsparisj;Wanna,sbr.kvWitilbrWabirgWaIII.E@'^  XVI.KAFLIEr  ݈?@  (^   ViWurlg.?   ݈ x)C%/ G@XX(^  100.gr.Gp  ݈  FyrirbrotlgumYessumskalrefsaWmeWsektumeWavarWhaldiliggiekkiYyngrirefsingviWbrotisamkvmtWrumlgum.E@'^  XVII.KAFLIE:  ݈ o-:)4 ?@HH$^   Gildistakao.fl.?   ݈ 5 G@XX(^  101.gr.GQ  ݈  LgYessiWlastgildi1.jl1993.JafnframtfallaYrgildieftirtalinlg:C $$C-- @<<2  2  ڈ.3   0  lgnr.86fr1985,umviWskiptabanka,meWsWaribreytingum,a    @<<2  4  ڈ.3   0  lgnr.87fr1985,umsparisj;Wi,meWsWaribreytingum,a,    @<<2  6  ڈ.3   0  lgnr.1fr1900,umstofnunveWdeildarLandsbanka0slands,,    @<<2  8  ڈ.3   0  lgnr.34fr1979,umveWdeildBnaWarbanka0slands,meWsWaribreytingum,    @2   10  ڈ.3   0  lgnr.30fr1902,viWaukalgviWlgnr.1fr1900,     @ 2   12  ڈ.3   0  lgnr.60fr1928,umheimildfyrirveWdeildLandsbanka0slandstilaWgefatnUjaflokka  X (serur)bankavaxtabrfa,     @ 2   14  ڈ.3   0  lgnr.122fr1935,umheimildfyrirveWdeildLandsbanka0slandstilaWgefatnUjaflokka #   bankavaxtabrfa,     @2  16  ڈ.3   0  lgnr.94fr1941,umheimildfyrirveWdeildLandsbanka0slandstilaWgefatnUjaflokka   bankavaxtabrfa,     @2  18  ڈ.3   0  lgnr.55fr1945,umheimildfyrirveWdeildLandsbanka0slandstilaWgefatnUjaflokka O  bankavaxtabrfa,og     @2  20  ڈ.3   0  lgnr.73fr1965,umheimildfyrirveWdeildLandsbanka0slandstilaWgefatnUjaflokka   bankavaxtabrfa. >       ViWskiptabankarogsparisj;WirsemstarfandieruviWgildistkulagaYessaraskulusamrmasamYykktirsnarkvWumlagannafyrstaaWalfundieftirgildistkuYeirra. @!^kvWitilbrWabirgWa.   @((+^ I. >݈ r    kvWilagaYessara,semfjallaumstofnfjreigendursparisj;Wi,takaeinnigtilbyrgWaraWilaeftirYvsemviWgeturttYartilfullngthefurveriWkvWum2.,3.og4.mgr.Yessarargreinar. >   0starfandisparisj;Wi,YarsemstofnfhefurekkiveriWlagtframheldureinungisbyrgWir,skalaWalfundurinnanYriggjarafrgildistkulagaYessarakveWaaWstaWbyrgWakomistofnf. >   LeggibyrgWarmaWurekkiframstofnfsamkvmtkvWumYessarargreinarfellurhannraWilah;pi. >   Stofnf,seminnborgaWerskv.1.mgr.,mekkinemalgrifjrhWensamanlagWriupphWbyrgWasparisj;Wi.byrgWaraWilareigartttilstofnfjrinshlutfalliviWbyrgWarfjrhWsna. >   Inneignstofnfjreigendasreignarsj;Wistofnfjreigendasparisj;WiskalviWgildistkulagaYessarafratilaukningarstofnfviWkomandistofnfjreigandaogskalhlutverkisreignarsj;WsYarmeWveralokiW.@+^ II. >݈ #    FyrriTryggingarsj;Wursparisj;Wa,sbr.lgnr.69/1941,skal,aWfengnusamYykkihlutaWeigandisparisj;Ws,lagWurtilTryggingarsj;WssemaukargjaldaWlokinnijfnunframlagamiWaWviWheildarinnlnsfsparisj;Wsrslok1992.MiWaWskalviWaWeftirjfnunnemiaukaframlagiWb;kuWuminneignumfyrriTryggingarsj;Ws31.desember1992.@*^ III. >݈ $ )    HeimilteraWstarfrkjaLnastofnunsparisj;Wannahf.alltaWsexmnuWifrgildistkulagaYessara.UmstarfsemihennarYeimtmagildaeftirfarandikvWi:C $$C-- @<<2  2  ڈ.3   0  Lnastofnunsparisj;Wannahf.erhlutaflagaWfullueigusparisj;Wannaoggildaumhana '", kvWilagaumhlutaflgnemaannaWsboWiWlgumYessum.     @<<2  4  ڈ.3   0  Lnastofnunsparisj;Wannahf.greiWirskattaognnurgjldsamkvmtsmukvWumog (z$. gildauminnlnsstofnanir.     @<<2  6  ڈ.3   0  MeginhlutverkLnastofnunarsparisj;Wannahf.eraWannaststarfsemiYgusameiginlegra E*&0 hagsmunasparisj;Wanna.0YvskynierstofnuninniheimiltaWstundastarfsemiskv.V.kaflalagaYessara.StofnuninnierY;;heimiltaWeigainnlnsviWskiptiviWalmenning.     @<<2  8  ڈ.3   0  Lnastofnunsparisj;Wannahf.tekurviWinnlnumfrsparisj;Wum,Tryggingarsj;Wisparisj;Wa ,q(3 ogfyrirtkjumeigusparisj;Wanna.EinnigaflarstofnuninsrstarfsfjrmeWWrumYeim q-<)4 httisemstj;rnhennarkveWurogsamrUmistfyrirmlumlagaYessara.     @2   10  ڈ.3   0  SalaeWaannaWframsalhlutaLnastofnunsparisj;Wannahf.er;heimiltnematilannars  sparisj;Ws.VeWsetninghlutaer;heimil.Stj;rnLnastofnunarsparisj;Wannahf.erskyltaWinnleysahlutafsparisj;Wseftirgreindumtilvikum:     A    j 2   b  ڈ.3   0  viWslitsparisj;Wsskv.VIII.kaflalagaYessaraeWasamrunahansviWannarskonar a, innlnsstofnun,     A    j 2   d  ڈ.3   0  viWfjrnmskuldheimtumannasparisj;Wshluthansstofnuninni. >      InnlausnarverWhlutarskalmiWastviWreiknaWverWgildihlutarinssamkvmtsWastarsreikningiaWteknutillititilskattskuldbindingasemkunnaaWhvlastofnuninni.?$' !dE ? O  @RR^  &-e%q&-e%%&-e  SamYykktAlYingi28.aprl1993.Xme  _Xme  ݈