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XXb??   E  9?__ A%N)  dEg A F @  (`I.KAFLI(@%`   AlmennkvWi.(    ݈ r 0@)`  1.gr.0   ݈  LgYessigildaumrafrnatgfuverWbrfaogskrningueignarrttindayfirYeim.  RafrntgfaverWbrfaogskrningeignarrttindayfirYeimmeWYeimrttarhrifumsemkveWiWerumlgumYessumereinungisheimilverWbrfamiWstWsemhlotiWhefurstarfsleyfisamkvmtlgumYessum.0@)`  2.gr.0    ݈  0lgumYessummerkir:  rafbrf:framseljanlegtrafrnteignarskrWverWbrf, *   eignarskrning:tgfarafbrfumverWbrfamiWstWogskrningeignarrttindayfir `  Yeim,  verWbrfamiWstW:hlutaflagsemannasteignarskrningurafbrfa, "   reikningsstofnun:flageWastofnunsemhefurmillignguumeignarskrningurafbrfum V# verWbrfamiWstW,  lokafrsla:endanlegpr;funogfrslaeignarskrningaverWbrfamiWstWsamkvmttil W% kynningumtilhennar,  reikningur:skrumlokafrslurreikningseigandayfirrafbrfverWbrfamiWstW. !' 0@)`  3.gr.0    ݈  ViWskiptarWherraveitirverWbrfamiWstWstarfsleyfiaWfenginniumsgnbankaeftirlitsSeWlabanka0slands.Ums;knumstarfsleyfiskalveraskrifleg.SlkleyfiverWaaWeinsveittskrWumhlutaflgumsemfullngjaeftirfarandiskilyrWum: )2#  1  .3   ݈0  innborgaWhlutafsaWlgmarki65millj;nirkr;na,ogerfjrhWYessbundingengi D&#- evr;pskumynteiningarinnarECUmiWaWviWopinbertkaupgengihennarviWgildistkulagaYessara,     )2#  2  .3   ݈0  fyrirliggifullngjandirekstrartlun,byggWtraustumrekstrarforsendum,svoogr (&0 yggisogskipulagslUsing,     )2#  3  .3   ݈0  aWuppfylltsskilyrWi30.gr.lagaYessaraumbyrgWarsj;W.;*'2     kvrWunrWherraumums;knumstarfsleyfiskaltilkynnaumskjandaskriflegasvoflj;ttsemunnterogeigisWarenYremurmnuWumeftiraWfullbinums;knbarstrWherra.SynjunrWherraums;knskalrkstudd.VerWbrfamiWstWer;heimiltaWhefjastarfsemifyrrenhlutafhefurveriWaWfullugreitt. g-*6=  c  }      VerWbrfamiWstWer;heimiltaWstundaaWrastarfsemienYsemkveWiWerumlgumYessumeWaereWlilegumtengslumviWhana.0@)`  4.gr.0   ݈  Stj;rnarmennverWbrfamiWstWskuluveraYrrhiWfstaogskuluYeirverabsettirhrlandi,veralgrWa,hafa;flekkaWmannorW,verafjrsnsrWandiogmegaekkisWustufimmrumtengslumviWatvinnureksturhafahlotiWd;mfyrirrefsiverWanverknaWsamkvmtalmennumhegningarlgumeWalgumumhlutaflg,einkahlutaflg,b;khald,rsreikninga,gjaldYroteWaopinbergjld.  RkisborgararYeirrarkjasemeruaWilaraWsamningnumumEvr;pskaefnahagssvWiWeruundanYegnirbsetuskilyrWum,endasuviWkomandirkisborgararbsettirEESrki.RWherraerheimiltaWveitaYeimsembsettireruWrumrkjumsmuundanYgu.0@)`  5.gr.0   ݈  EinstaklingaroglgaWilarskulutilkynnabankaeftirlitiSeWlabankansbeinaeWa;beinaYtttkuverWbrfamiWstWsemnemuraWminnstakosti10%afhlutafeWaatkvWisrttieWaminnaefhnfelursrveruleghrifstj;rnhlutaflagsins,svoogumhvemikileignYessier.  Farihluthafi,semsvost;ranhlutverWbrfamiWstWsemsegir1.mgr.,YannigmeWhlutsinnaWskaWiheilbrigWaneWatraustanreksturverWbrfamiWstWvarinnargeturrWherra,aWfenginnitillgubankaeftirlitsins,kveWiWaWhlutYessumfylgiekkiatkvWisrttureWalagtfyrirverWbrfamiWstWinaaWgrpatilviWeigandirWstafana.  HafirWherrakveWiWskv.2.mgr.aWhlutumfylgiekkiatkvWisrtturskuluYeirhlutirekkiteknirmeWviWtreikningYvhvemikinnhlutaatkvWamtthafiveriWfyrirhluthafafundum.0@)`  6.gr.0   ݈  VerWbrfamiWstWberaWtilkynnatilbankaeftirlitsSeWlabankansefhnverWurYessskynjaeWagrunaraWlgYessieWareglugerWsettsamkvmtYeimhafiveriWbrotin.0@)`  7.gr.0a   ݈  Stj;rnverWbrfamiWstWvarskalsetjasrstarfsreglur.0starfsreglumskalmeWalannarskveWiWumaWstj;rnintakiafstWutilskipulagsflagsins,tildmishvaWvarWarreikningsskil,innraeftirlit,tlvukerfi,fjrhagstlaniroghvernighagaWsreglubundnueftirlitimeWkvrWunumstj;rnarumYauatriWiogmeWhvaWahttislkarkvarWanirskuliendurskoWaWar.  SamruniverWbrfamiWstWvarviWannaWflager;heimillnemameWfengnusamYykkirWherraaWfenginniumsgnbankaeftirlitsSeWlabankans.HiWsamagildirumskiptinguhennartveWafleiriflg.0@)`  8.gr.0"   ݈  Stj;rn,framkvmdastj;raogWrumstarfsmnnumverWbrfamiWstWvarinnar,svoogendurskoWendum,er;heimiltaWskUrafrnokkruYvsemYeirfvitneskjuumstarfisnueWastWusinnisamkvmtumhagireikningseiganda,verWbrfamiWstWvarinnarogviWskiptamannahennarnundangenginsd;msrskurWar.XagnarskyldanhelstY;ttltiWsafstarfi.  kvWi1.mgr.hindrarY;ekkiaWverWbrfamiWstWingerisamstarfssamningviWannaWflagsemstundarhliWstWastarfsemiogveitiYeimaWilaupplUsingar,endagildisambrilegkvWiumYagnarskylduhans.0@)`  9.gr.0&   ݈  EndurskoWaWurrsreikningur,staWfesturafstj;rnverWbrfamiWstWvarinnar,samtrsskUrsluskalsendurbankaeftirlitiSeWlabankansinnanYriggjamnaWafrlokumreikningsrs. 8.*5   VerWiendurskoWandivarviWslkagallarekstriverWbrfamiWstWvaraWreikningarverWiekkiritaWirnfyrirvaraeWaathugasemdirviWYgerWar,gallainnraeftirlitieWannuratriWisemveiktgetafjrhagsstWufyrirtkisinstilframhaldandireksturs,svoogefendurskoWandihefurstWutilaWtlaaWlgogreglugerWireWareglursemgildaumflagiWhafiveriWbrotnar,skalendurskoWandiYegargerastj;rnverWbrfamiWstWvarogbankaeftirlitiviWvart.XettaeinnigviWumsambrilegatriWisemendurskoWandiverWbrfamiWstWvarfrvitneskjuumogvarWafyrirtkinnumtengslumviWhana.kvWiYessarargreinarbrj;taekkibgaviWYagnarskylduendurskoWendasamkvmtkvWumYessaraeWaannarralaga.,@(`  II.KAFLI,2+   ݈(@jj `   AWildaWeignarskrningu.(+    ݈    0@rr)`  10.gr.0,   ݈  RtttilYessaWhafamillignguumeignarskrningarverWbrfamiWstWhafa:-- )2#  1  .3   ݈0  SeWlabanki0slands,K     )2#  2  .3   ݈0  LnasUslarkisins,     )2#  3  .3   ݈0  viWskiptabankarogsparisj;Wir,     )2#  4  .3   ݈0  fyrirtkiverWbrfaYj;nustu,{     )2#  5  .3   ݈0  lnastofnaniraWrarenviWskiptabankarogsparisj;Wir.wF   0@rr)`  11.gr.01  ݈  XeiraWilar,semnefndireru10.gr.og1.!3.tlul.2.mgr.12.gr.,skulugeraaWildarsamningviWverWbrfamiWstWogerYaWskilyrWiYessaWYeirhafiheimildtilmillignguumeignarskrningueWaaWgangaWverWbrfamiWstWinni.  Stj;rnverWbrfamiWstWvarerheimiltaWgeraaWildarsamningviWtgefendurmarkaWsverWbrfaumheimildYeirratilaWhafamillignguumeignarskrninguverWbrfamiWstWtgfuogfyrstaframsalirafbrfatgefinnaafviWkomandiaWilasamrmiviWstarfsheimildirYeirrafjrmagnsmarkaWi.  Stj;rnverWbrfamiWstWvarereinnigheimiltaWveitahlutaflgumaWgangaWupplUsingumverWbrfamiWstWumskrWaeigendurhlutabrfaviWkomandihlutaflagi.HiWsamagildirumaWgangverWbrfasj;WaaWupplUsingumumeigendurhlutdeildarskrteinaviWkomandiverWbrfasj;Wi.0@rr)`  12.gr.05  ݈  0reglugerW,semrWherrasetur,erheimiltaWkveWa:-- )2#  1  .3   ݈0  nnarireglurumgrundvllogframkvmdeignarskrningar,svoogmeWhvaWahtti # einstaklingar,semerustarfsmennverWbrfamiWstWvareWareikningsstofnunar,skuliframkvmaYauverkefnisemtengjastskrningurttindaverWbrfamiWstWinni,     )2#  2  .3   ݈0  nnarireglurumskrningutakmarkaWraeignarrttindaaWrafbrfum,S""&    )2#  3  .3   ݈0  heimildirverWbrfamiWstWvartilaWkvarWafyrirkomulaggjaldtkufyrirumsUslumeW #' rafbrfogskrningutengslumviWYau.      0reglugerW,semrWherraseturaWfengnumtillgumstj;rnaverWbrfamiWstWvasemstarfagrundvelliYessaralaga,erheimiltaWkveWa:-- )2#  1  .3   ݈0  aWerlendumverWbrfamiWstWvumogerlendumviWskiptabnkum,sparisj;Wum,fyrir J&"+ tkjumverWbrfaYj;nustuogWrumlnastofnunumenviWskiptabnkumogsparisj;WummeWheimildtilfjrvrslu,semhafaheimildtilaWstarfahrlandiogeruundiropinberueftirliti,sheimiltaWhafamillignguumeignarskrningarverWbrfamiWstWmeWYeimrttarhrifumsemgetiWerumIV.kaflaaWfengnusamYykkibankaeftirlitsSeWlabankans,     )2#  2  .3   ݈0  aWverWbrfamiWstWsheimilt,aWfengnusamYykkibankaeftirlitsSeWlabankans,aW  +&1 annastmillignguumeignarskrninguerlendumoginnlendumverWbrfamiWstWvum,     )2#  3  .3   ݈0  aWveitamegiaWilum,Wrumenreikningsstofnunum,rtttilaWskjaupplUsingarvarW ,q(3 andieiginreikningbeinttilverWbrfamiWstWvargrundvelliaWildarsamningssemhlutaWeigandiaWilargeraviWverWbrfamiWstWina.8.*5   Ї,@'`  III.KAFLI,/Bhafa  ݈(@  "`   Skrningarstarfsemi.(Bhafa   ݈  0@rr)`  13.gr.0Chafa  ݈  Stj;rnverWbrfamiWstWvarberbyrgWYvaWfyllstaryggissgttstarfsemihennarogreksturinnfariframhagkvmanhtt.Stj;rnverWbrfamiWstWvarseturnnarireglurumhvaWaverWbrferunntaWtakatilskrningarsemrafbrf.ReglurYessarskulutryggjajafnrWiallrahlutaWeigandiogskulubirtaropinberlega.RafbrfsamaverWbrfaflokkiverWaaWeinsskrWeinniverWbrfamiWstW.0@rr)`  14.gr.0yEhafa  ݈  VerWbrfamiWstWer;heimiltaWveitaupplUsingarumskrWrttindi,sbr.Y;kvWilagaYessara.  VerWbrfamiWstWerheimiltaWveitaupplUsingarhagtluskyniaWfenginniheimildtlvunefndar.0@rr)`  15.gr.0Fhafa  ݈  SeWlabanki0slandstekurviWinnlnumfrreikningsstofnunumsemaWildeigaaWverWbrfamiWstWogannastefndalokviWskiptaYeirrameWrafbrf.SeWlabankinnseturnnarireglurumviWskiptisnsamkvmtYessarigrein.  SkipaskalsamrWsnefndverWbrfamiWstWva,VerWbrfaYings0slandsogSeWlabanka0slands.SeWlabanki0slandsskipareinnfulltranefndina,verWbrfamiWstWvarsemhlotiWhafastarfsleyfisamkvmtlgumYessumeinnfulltraogVerWbrfaYing0slandseinnfulltra.SeWlabanki0slandsfermeWformennskunefndinni.HlutverksamrWsnefndareraWfjallaumsamskiptiverWbrfamiWstWva,VerWbrfaYings0slandsogSeWlabankanstengslumviWfrgangviWskipta.  SeWlabankinngeturbeittreikningsstofnanirviWurlgumskv.41.gr.laganr.36/1986,umSeWlabanka0slands,skvrWunumbankansYessumefnumekkihltt.,@(`  IV.KAFLI,Khafa  ݈(@,,`   Rttarhrifskrningaro.fl.(Khafa   ݈ 0 0@rr)`  16.gr.0jLhafa  ݈  RttindiaWrafbrfumskalskrverWbrfamiWstWefYaueigaaWnj;tarttarverndargegnfullnustugerWumogrWstfunummeWsamningi.:heimilteraWgefatviWskiptabrffyrirskrWumrttindumsamkvmtrafbrfieWaframseljaYauogeruslkviWskipti;gild.  EignarskrningrafbrfsverWbrfamiWstW,aWundangenginnilokafrsluverWbrfamiWstWvar,veitirskrWumeigandahennarlgformlegaheimildfyrirYeimrttindumsemhannerskWureigandiaWogskalgagnvarttgefandajafngildaskilrkiumeignarrttaWrafbrfinu.  ForgangsrW;samrUmanlegrarttindarWstafYvhvenrbeiWnireikningsstofnunarumskrninguYeirraberstverWbrfamiWstW.  RttarhrifeignarskrningarinnarteljastverafrYeirristundusemlokafrslahefurttsrstaWhjverWbrfamiWstW.  ReikningsstofnunerskyltntafaraWtilkynnaverWbrfamiWstWumbeiWnirumeignarskrningar,endaframvsiviWkomandiaWiliviWhltandiggnumumgrundvllbeiWninnar.0@rr)`  17.gr.0Qhafa  ݈  TeljireikningsstofnunaWvafileikiumstaWreyndireWaatriWisemhrifhafalgvarinnrttsamkvmtskrningunni,eWarttYeirrasemskrninginhefurYUWingufyrir,ogaWskrningkunniaWbrj;tarttYriWjaaWilaberhenniaWhafamillignguumaWrttindinverWieinungiseignarskrWtilbrWabirgWa.  VerWbrfamiWstWtekurendanlegakvrWunumhvortrttindisemskrWhafaveriWsamkvmtYessarigreinskulifrWeignarskrhennar.  HeimilteraWsetjareglugerWnnarikvWiumframkvmdbrWabirgWaeignarskrningarsamkvmtYessarigrein. 8.*5 !/[ !} !  >>0@rr)`  18.gr.0^Uhafa  ݈  Reikningsstofnun,eineWafleirieftirYvsemviWgeturtt,skaltilkynnallumhlutaWeigandiumsrhverjaskrningurttindasemhnhefurhaftmillignguum.EinnigskalhntilkynnaefvandkvWieruskrninguYeirra.BreytinguogafmningurttindaberreikningsstofnunumaWtilkynnahlutaWeigandiaWilummeWsamahttieftirYvsemviWgeturtt.  RtthafiskrWrarttindaogreikningsstofnanirgeta;skaWeftirYvgrundvellireglna,semverWbrfamiWstWseturaWfengnusamYykkibankaeftirlitsSeWlabankans,aWtilkynningartilYeirrasusendarmeWjfnumillibili,svoogafYakkaWaWhlutatileWalluleytiaWYeimverWisendartilkynningarumbreytingarrttindum.SamkomulagumhvaWahtturskulihafWurtilkynningumskalskrreikninghlutaWeigandirtthafa.  Reikningsstofnunogstj;rnverWbrfamiWstWvarerheimiltaWgerasamningumaWverWbrfamiWstWsendiYrtilkynningarsemumrWir1.mgr.BankaeftirlitSeWlabankansskalstaWfestasamningasamkvmtYessarimlsgrein.0@rr)`  19.gr.0Zhafa  ݈  EftiraWlokafrslasrstaWverWbrfamiWstWverWarttindigrandlaussframsalshafaekkivefengd.ViWeignarskrninguverWbrfamiWstWglatastY;ekkim;tbrursemltaaWmeirihttarnauWungeWaflsun.0@rr)`  20.gr.0M\hafa  ݈  VerWbrfamiWstWseturreglurummillifrslufjrmunaogrttindasamrmiviWkvWilagaYessaraogreglnasettrasamkvmtYeim,sbr.ogkvWi15.gr.Yessaralaga.  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