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T,   7.gr.  kvrWunarvaldstj;rnsUslustigi.   Cf y SeWlabanki0slandsskerrgreiningioghefurkvrWunarvaldaWWruleytiumfram  X kvmdlagaYessara.kvrWunSeWlabankansskv.1.mlsl.erendanlegstj;rnsUslustigi. K #  Mlskottild;mst;lafrestarekkirttarhrifumkvrWunar.      III.KAFLI    BindiskyldaogbannviWveWsetninguaflandskr;nueigna.  wO  8.gr. B  BindiskyldaogbannviWveWsetningu.    !h y Aflandskr;nueignirreikningumhWumsrstkumtakmrkunumeruhWarbindiskyldu   samkvmtkvWiYessu. {   y BindiskylduskaluppfyllameWYvaWrWstafasmufjrhWognemurheildarinnstWum nF hjinnlnsstofnunreikningumhWumsrstkumtakmrkunumtilfjrfestingainnstWu 9 brfumSeWlabanka0slands.   y InnlnsstofnunskaluppfyllabindiskyldusamkvmtkvWiYessuinnanviWskiptadags.  SeWlabankanumerheimiltaWskuldfraviWskiptareikninginnlnsstofnunarnstaviWskipta r dagYfjrhWsemuppvantartilaWbindiskyldasamkvmtkvWiYessusuppfyllt. e=  y InnstWubrfskuluvarWveittumsUslureikningiinnlnsstofnunarhjSeWlabankanum. 0  y :heimilteraWveWsetjaaflandskr;nueignirskv.1.tlul.2.gr.oginnstWubrfSeWlabanka  0slandsskv.10.gr.    IV.KAFLI \4  HeimildtilttektarafreikningumhWumsrstkumtakmrkunum, ' gjaldeyrisviWskiptaogfjrfestinga.   9.gr.  TmabundinheimildtilttektaroggjaldeyrisviWskipta. `  m y Eigendumaflandskr;nueignaskv.a!dliWoghliW1.tlul.2.gr.erheimiltaWtakataf S+! reikningumhWumsrstkumtakmrkunum,heildeWaaWhluta,tilaWnUtatilgjaldeyris " viWskiptaviWSeWlabanka0slands,viWmiWunargengiframtil1.n;vember2016. #  y Framtil1.n;vember2016skulueigenduraflandskr;nueignarskv.e!gliW1.tlul.2.gr.  $ hafaheimildtilgjaldeyrisviWskiptaviWSeWlabanka0slandsviWmiWunargengifyrirfjrhW !W% semnemurmarkaWsvirWiaflandskr;nueignar,YannhttaWuppgjrviWskiptannaferfram J""& meWYvaWeigandiaflandskr;nueignaafhendirtilSeWlabankansfjrhWsemnemur #' markaWsvirWiaflandskr;nueignaraWfrdregnumargfeldimarkaWsvirWisaflandskr;nueignar #( oghlutfallsopinbersmiWgengisSeWlabankansfyrirkr;num;tievruhinn20.ma2016og $ ) viWmiWunargengis. v%N!*  y MarkaWsvirWiaflandskr;nueignarskilningi2.mgr.skalkvarWaYannig: A&"+ ! ! 4ABCD(%00 4ABCD"A0J"  A0Jt y2%  1  .3  Ԉ0    XegarverWbrferuskrWkauphllskalmiWaviWmarkaWsvirWiYeirraviWgildistkulaga  '",  Yessara.A0Jtt݌'#-   Ќ  "A0J"  A0J&v y2%  2  .3  Ԉ0    &   MarkaWsvirWiannarraaflandskr;nueignaenskv.1.tlul.skalmiWastviWrkstuttmat ( ;hWslggilts'(vendurskoWandagangvirWieWakostnaWarvirWieignarinnarviWgildistku  lagaYessaraeinsogYaWerskilgreintsamkvmtlgumumrsreikningaenYaWskalY;  aldreiveralgravirWiennafnvirWi.Ssem;skareftirgjaldeyrisviWskiptumskv.1. a mlsl.skalaflamatsinseiginkostnaWogskalendurskoWandinnstaWfesta;hWisitt. T, SeWlabanka0slandserheimiltaW;skafrekariskUringaeWahafnaniWurstWummatsef  sUntYykiraWYaWsekkibyggtfullngjandiforsendum.A0J&vSv݌   Ќ   4ABCD(%0 04ABCD+t y Efeigandiaflandskr;nueignarnUtirheimildskv.2.mgr.skalsaflandskr;nueignseml   tilgrundvallarYeimviWskiptumundanYegintakmrkunumlagaYessara,aWfenginnistaWfest  X inguSeWlabanka0slands. K #    10.gr.    HeimildtilfjrfestingainnstWubrfumSeWlabanka0slands.   | y EigenduminnstWnareikningumhWumsrstkumtakmrkunumeWareikningum wO  hWumsmutakmrkunumhjSeWlabanka0slands,sbr.2.mgr.5.gr.,erheimilttektaf B  YeimtilfjrfestingarinnstWubrfumSeWlabanka0slands.     y InnstWubrftilgreinaekkigjalddaga,berabreytilegarsvextiogendurgreiWslahfuWst;ls   ereinungisheimilsamkvmtkvrWuntgefanda.VextirgreiWasteftir,einusinniri.ViW {  tgfuskulubrfinbera0,5%rsvextisemskuluendurskoWaWirafSeWlabanka0slands nF vaxtagjalddaga. 9  y InnstWubrfskuluvarWveittumsUslureikningumhjSeWlabanka0slands.   y SluandvirWi,innlausnarvirWiogvextiafinnstWubrfumSeWlabanka0slandsskalflytja  reikningahWasrstkumtakmrkunum. r   11.gr. 0 Almennheimildtilmillifrsluogttektarvaxta-ogarWgreiWslna.  ـ y MillifrslamillireikningasemeruhWirsrstkumtakmrkunumerheimil.   y HeimilteraWtakatfallnavexti,verWbturvaxtaogarWaWundangenginnistaWfestingu i SeWlabanka0slands. \4  y MeWvxtumskv.2.mgr.erttviWvextiafinnstWumreikningumhWumsrstkum ' takmrkunum,skuldabrfumogvxlumskv.c-,e-ogfliW1.tlul.2.gr.oginnstWubrfum  SeWlabanka0slands.   y MeWarWiskv.2.mgr.erttviWarWgreiWslugrundvellihagnaWarafreglubundinnistarf `  semiflagsenY;ekkiaftekjumsemmyndastviWslueignaumframsluhagnaW,afhagnaWi S+! vegnaafskriftaskulda,virWismatshkkanaeigna,lkkunarhlutafjreWavegnasambrilegra " Ytta.ArWgreiWslurskulufjrmagnaWarmeWhandbruffrrekstrifrjlsumsj;Wumenekki # meWslueigna,lntku,hlutafjraukningueWasambrilegumYttum.EfrWstfunssem  $ ligguraWbakigreiWsluarWserverulegafrbrugWinYvsemalmenntgeristslkumskiptum !W% ogmegintilgangurvirWistveraaWsniWgangatakmarkanirlgumYessumgeturSeWlabankinn J""& synjaWstaWfestingar. #'   12.gr. $ ) Heimildeinstaklingstilttektar. v%N!* i y Einstaklingi,semerraunverulegureigandiaflandskr;nueignaskv.aliW1.tlul.2.gr.viW A&"+ gildistkulagaYessara,skalheimiltaWtakatafreikningumhWumsrstkumtakmrkunum  '", aWfenginnistaWfestinguSeWlabanka0slands.MeWraunverulegumeigandaerttviWeinstak '#- lingsemereigandiinnstWnaslenskumkr;numhjaWilumsemfallaundiraliW1.tlul. (z$. 2.gr.SkilyrWiheimildarskv.1.mlsl.eraWinnstWahafiveriWsamfelldrieigufr28. ( n;vember2008.   y Einstaklingi,semereigandiaflandskr;nueignaskv.bliW1.tlul.2.gr.viWgildistkulaga  Yessara,skalheimiltaWtakatafreikningumhWumsrstkumtakmrkunumaWfenginni a staWfestinguSeWlabanka0slands. T,  y Hmarksttekthverseinstaklingsskv.1.og2.mgr.nemursamanlagt1.000.000kr.  almanaksri.    V.KAFLI  X  UmsUslugjldverWbrfa.  K #  13.gr.    UmsUslugjldverWbrfa.    U y SeWlabanka0slandserheimiltaWinnheimtagjaldfyrirYj;nustuviWvrsluverWbrfaum   sUslureikningumbankanssamrmiviWgjaldskrsembankinnsetur.Gjaldskv.1.mlsl. wO  skalekkiverahrraenraunkostnaWurSeWlabankansviWvrsluogumsUsluverWbrfannasem B  felstm.a.eftirfarandiYttum:    ! ! *(g00 4ABCD"A0J"  A0Ju y2g  a  .3  Ԉ0    launa-ogrekstrarkostnaWi,A0Ju݌    Ќ  "A0J"  A0Jo y2g  b  .3  Ԉ0    kostnaWisemSeWlabankinnverWurfyrirvegnaviWskiptaviWverWbrfamiWstW.A0Jo݌{    Ќ   4ABCD(%0 0*  VI.KAFLI 9  EftirlitSeWlabankansogviWurlg.   14.gr.  Eftirlit. r 5 y SeWlabanki0slandshefureftirlitmeWframkvmdlagaYessara.Skylter,aWviWlgWum e= dagsektumskv.17.gr.,aWveitaSeWlabanka0slandsallarYrupplUsingarogggnsemhann 0 telurnauWsynlegYvskyni.SkiptirekkimliYvsambandihvortupplUsingareWaggn  varWaYannaWilasembeiWninnierbeinttileWaaWraaWilasemhanngeturveittupplUsingar  umogvarWaathuganirogeftirlitSeWlabankans.LagakvWiumYagnarskyldutakmarkaekki i skyldutilaWveitaupplUsingarogaWgangaWggnum. \4  y 0tengslumviWeftirlitsittsamkvmtlgumYessumgeturSeWlabankinngertvettvangs ' kannanireWa;skaWupplUsingaYannhttsvooftsemhanntelurYrf.kvrWunumvett  vangsknnunmfullngjameWaWfarargerW.    15.gr. S+! Xagnarskylda. " ! y XeirsemannastframkvmdlagaYessaraerubundnirYagnarskylduumhagieinstakraviW # skiptamannaognnuratriWisemYeirfvitneskjuumstarfisnuogleyntskulufarasam  $ kvmtlgumeWaeWlimlsins,nemad;marirskurWiaWupplUsingarsskyltaWveitafyrir !W% d;mieWalgreglueWaskyldastilaWveitaupplUsingarlgumsamkvmt.Xagnarskylda J""& helstY;ttltiWsafstarfi. #'   16.gr. $ ) flunupplUsinga. v%N!*  y 0tengslumviWathuganirtiltekinnamlaerSeWlabanka0slandsheimiltaWaflaupplUsinga A&"+ oggagnafrWrumstj;rnvldum;hWYagnarskylduYeirra.  '",  y SeWlabanka0slandserheimiltaWleitatilFjrmlaeftirlitsinsvegnagagnaflunar '#- tengslumviWranns;kntiltekinnamlaeinsogheimildirFjrmlaeftirlitsinsleyfa. (z$.  y SeWlabankanumerheimiltaWeigagagnkvmupplUsingaskiptiviWopinberaaWilaerlendis ( umatriWisemlgYessitakatilaWYvtilskilduaWYrupplUsingarltisamsvarandiYagnar  skylduhlutaWeigandirki.    17.gr. T, Dagsektir.  > y SeWlabanki0slandsgeturlagtdagsektiraWilaveitihannekkiumbeWnarupplUsingarog  ggn,veitibankanumvsvitandirangarupplUsingareWasinniekkikrfumumrbturinnan   hfilegsfrests.kvWiYettatekurjafnttilinnlendrasemerlendalgaWilasemoginnlendra  X ogerlendraeinstaklinga.HiWsamagildirumaWilasemveittgetaupplUsingarYguathugana K #  samkvmtkvWumlagaYessara.GreiWastdagsektirnarYangaWtilfariWhefurveriWaW    krfumSeWlabankans.DagsektirleggjastfrYeimdegisemskilabarupplUsingunum    sWastalagiogframaWYeimdegisemskyldunnierfullngt.DagsektirgetanumiWfr50.000   kr.til50.000.000kr.dag.ViWkvrWunumfjrhWdagsektaerheimiltaWtakatillittil wO  eWlisvanrkslueWabrotsogfjrhagslegsstyrkleikaviWkomandiaWila. B   y SmlhfWaWtil;gildingarkvrWunarskv.1.mgr.innan14dagafrYvaWviWkomandi    aWilaertilkynntumhanaog;skihannjafnframteftiraWmliWhlj;tiflUtimeWferWerekki   heimiltaWinnheimtadagsektirfyrrend;murhefurfalliW.XrttfyrirmlshfWuntil;gild {  ingarkvrWunarskv.1.mgr.leggjastdagsektirframviWkomandiaWila. nF  y :innheimtardagsektirfallaekkiniWurY;ttaWilarverWisWarviWkrfumSeWlabanka0s 9 landsnemaSeWlabankinnkveWiYaWsrstaklega.   y kvarWanirumdagsektirsamkvmtYessarigreineruaWfararhfar.   y Innheimtardagsektirrennarkissj;WaWfrdregnumkostnaWiviWinnheimtuna. r   18.gr. 0 BrrWiSeWlabanka0slandsgegn;lgmtrihttsemi.   y TeljiSeWlabanki0slandshttsemiandstWakvWumlagaYessarageturbankinnkrafist  YessaWltiWverWiaf;lgmtrihttsemiYegarstaW.SeWlabanki0slandsgeturjafnframt i krafistrb;taeWaleiWrttingarWstfunumsemteljastandstWarlgumYessum.SeWla \4 bankanumerheimiltaWbeitadagsektumskv.17.gr.YartilfariWhefurveriWaWkrfumbank ' ans.kvWiYettatekurjafnttilinnlendrasemerlendralgaWilasemoginnlendraogerlendra  einstaklinga.    19.gr. S+! Stj;rnvaldssektir. "  y SeWlabanki0slandsgeturlagtstj;rnvaldssektirhvernYannsembrUturgegnkvWum # 4.!6.gr.,8.gr._eWa_Ԁ15.gr.og,eftiratvikum,reglumsettumgrundvelliYeirra.  $  y SektirsemlagWarerueinstaklingagetanumiWfr10.000kr.til65.000.000kr.Sektir !W% semlagWarerulgaWilagetanumiWfr100.000kr.til500.000.000kr.XrttfyrirkvWi J""& 1.og2.mlsl.getasektirvegnabrotagegn4.!6.gr.numiWalltaWfimmfaldriflutnings-eWa #' ttektarfjrhW.ViWkvrWunsektaskalm.a.tekiWtillittilalvarleikabrots,hvaWYaWhefur #( staWiWlengi,samstarfsviljahinsbrotlegaaWilaoghvortumtrekaWbroteraWrWa.kvarW $ ) anirumsektireruaWfararhfar.Sektirrennarkissj;WaWfrdregnumkostnaWiviWinnheimt v%N!* una.VerWistj;rnvaldssektirekkigreiddarinnanmnaWarfrkvrWunSeWlabanka0slands A&"+ skalgreiWadrttarvextiaffjrhWsektarinnar.UmkvrWunogtreikningdrttarvaxtafer  '", eftirlgumumvextiogverWtryggingu. '#-  y Stj;rnvaldssektumverWurbeitt;hWYvhvortlgbroteruframinafsetningieWagleysi. (z$.  y TilrauntilbrotseWahlutdeildbrotumsamkvmtlgumYessumogreglumsettum ( grundvelliYeirraerrefsiverWeftirYvsemsegiralmennumhegningarlgum.    20.gr. a MlilokiWmeWstt. T, G y HafiaWiligerstbrotlegurviWkvWilagaYessaraeWareglursettargrundvelliYeirraer  SeWlabanka0slandsheimiltaWljkamlinumeWsttmeWsamYykkimlsaWila.Stterbind  andifyrirmlsaWilaYegarhannhefursamYykktogstaWfestefnihennarmeWundirskriftsinni.     21.gr. K #  Xagnarrttur.    H y 0mlisembeinistaWeinstaklingisemlokiWgeturmeWlagningustj;rnvaldssektarhefur    maWursemrkstuddurgrunurleikuraWhafigerstsekurumlgbrotrtttilaWneitaaWsvara   spurningumeWaafhendaggneWamuninemahgtsaWtilokaaWYaWgetihaftYUWingu wO  fyrirkvrWunumbrothans.SeWlabanki0slandsskalleiWbeinahinumgrunaWaumYennan B  rtt.      22.gr. {  FresturtilaWleggjastj;rnvaldssektir. nF д y HeimildSeWlabanka0slandstilaWleggjastj;rnvaldssektirsamkvmtlgumYessum 9 fellurniWurYegarfimmreruliWinfrYvaWhttsemilauk.   y Fresturskv.1.mgr.rofnarYegaraWilaerkunnugtumaWmlhansertilmeWferWar.SeWla  banki0slandstilkynniraWilaumranns;knmeintubroti,nemalj;stsaWhannhafiWur r fengiWvitneskjuumYaW.RoffrestshefurrttarhrifgagnvartllumsemstaWiWhafaaWbroti. e=   23.gr.  HeimildirtengslumviWranns;knmla.  ʷ y 0tengslumviWranns;knmlaerSeWlabanka0slandsheimiltaWkrefjaeinstaklingaoglg i aWilaumallarupplUsingarogggnsembankinntelurnauWsynlegtengslumviWframkvmd \4 lagaYessara.SkiptirekkimliYvsambandihvortupplUsingarnarvarWaYannaWilasem ' beiWninnierbeinttileWaYauskiptiannarraaWilaviWhannerhanngeturveittupplUsingarum  ogvarWaathuganirogeftirlitSeWlabankans.LagakvWiumYagnarskyldutakmarkaekki  skyldutilYessaWveitaupplUsingarogaWgangaWggnum.XettagildirY;ekkiumupp `  lUsingarsemlgmaWurWlastviWathugunlagalegristWuskj;lstWingstengslumviW S+! d;msml,Y.m.t.YegarhannveitirrWgjfumhvorthfWaeigimleWakomasthjmli,eWa " upplUsingarsemhannWlastfyrir,meWaneWaeftirlokd;msmls,efupplUsingarnarhafa # beintengslviWmliW.SeWlabankinngeturkallaWtilskUrslugjafareinstaklingasembankinn  $ telurbayfirupplUsingumervarWaranns;knmlsins. !W%  y SeWlabanki0slandsgeturkrafistkyrrsetningareignaeinstaklingseWalgaWilaYegarfyrir J""& liggurrkstuddurgrunurumaWhttsemihansfaribgaviWkvWilagaYessara.Umskil #' yrWiogmeWferWslkrarkrfufereftir88.gr.lagaummeWferWsakamla,eftirYvsemviW #( geturtt. $ )  y SeWlabanka0slandserheimiltaWgerasrstakarathuganirogleggjahaldggnsamrmi v%N!* viWkvWilagaummeWferWsakamla,endasurkarstWurtilaWtlaaWeinstaklingarog A&"+ lgaWilarhafibrotiWgegnlgumYessumeWareglumsemerusettargrundvelliYeirraeWa  '", stWaertilaWtlaaWathuganireWaaWgerWirSeWlabankansniaWWrumkostumekkitiltl '#- uWumrangri.SkalkvWumlagaummeWferWsakamlabeittviWframkvmdslkraaWgerWa. (z$. Ї  24.gr. ( MlshfWunarfrestur.   y NvillaWiliekkiunakvrWunSeWlabanka0slandsoggeturhannYhfWaWmltil;gild  ingarhennarfyrird;mst;lum.MlskalhfWaWinnanYriggjamnaWafrYvaWaWilavartil a kynntumkvrWunina.MlshfWunfrestarekkirttarhrifumkvrWunarinnarnheimild T, tilaWfararsamkvmthenni,sbr.Y;2.mgr.17.gr.    VII.KAFLI    TmiskvWi.   X 25.gr. K #  ReglugerWarheimild.    < y RWherraerheimiltaWmlannarfyrirumframkvmdlagaYessarareglugerW.     y SeWlabanka0slandserheimiltaWsetjannarireglurumframkvmd5.,8.,11.og12.gr.   ogVI.kafla.ReglurnarskulusamYykktarafrWherraogbirtarStj;rnartWindum. wO    26.gr.    Gildistaka.   b y LgYessiWlastYegargildi.XrttfyrirkvWi2.mgr.8.gr.lagaumStj;rnartWindiog {  LgbirtingablaWWlastlgingildiviWbirtingu. nF   27.gr.  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