WPC= ;tv﫳J|e/^k7kL=i.~yϨ$6Iѩd$Cr:7}fǵů;$dNi&"]<iןE={rA"a<3Cp ޴P~w]jgp?ՊҗmCOuy;#e]'0Q uľ=mB;2if @Z-0؁H+cL9)ѥVZ 97QȁjYV߂1K>H ]k5Os6rw.F/UAX] ഝ%61ӏ@ f/|.\aj/S!@Wiw+ +y= ̓.%˲]}LUN" %p 0v #m(6 4^ m>w^ 4  B-ZI 0l 0D 0(S 0U{ 0 0 0 0I 0 0 0t 0! 0 0 0j 0# 0 0 0*! 0! 0f" 0" 0# 0$ 0K% 0% 0& 0I' 0' 0( 0<) 0`K)U**U>**(++;,;,;,;,;,;,;,;,;,;,;,;,;,;,;,;,;,;,;,;,;,;,;,;,;,;,;,;,;,;,;,;,;,;,;,;,;,N----- 1 - - 0---- 000 033 0u66 0T7T7 088 088 1u9999 B9999$:::::::::::: 727;7;/i;i; 1;;;;;;;;;;;;;;;;;;;;;U:9<9<9<9<Ms<s<s<s<Dw<&d9 Z6Times New Roman RegularX($,..,TRW6&A4W6&A4 6&A4 6&A4T ? 0?vvbX0#ggdd  8dd8ISUS,.     ^^` Adobe PDF0 W:\WP2000\SKJRI~IZ.WPTUW:\WP2000\SkjritunY2k-nytt.wptHHrirs?g3|x)Hairline d8DocumentManagement::ModifiedBooleanTRUE(D2 '$ !,..,X*XXXTRW6&A4X3' Letter 6&A43'LetterT ? 4XX*0?vvbX0#ggdd  84dd8ISUS,.     ^^`     0  0  i4(#$  0  ($*+ (_2623  ..*J+J (_25   2(L L T\ d #223  ..2(L L T\ d #2   *;+; (_24  /% T\ d #/23  ../% T\ d #/  *8+8 (_23 ` ," T\ d #,23  ..," T\ d #, ` *5+5 (_22  )T T\ d #)23  ..)T T\ d #)  *2+2 (_21  &\ d #&23  ..&\ d #&  */+/ (_20 h #\ d ##23  ..#\ d ## h *,+, (_19   \\ d # 23  .. \\ d #  *)+) (_18   d #23  .. d #  *DD (_17  8.L T\ d #823  Ԁ8.L T\ d #8  *JJ (_16   2(L L T\ d #223  Ԁ2(L L T\ d #2   *;; (_15  /% T\ d #/23  Ԁ/% T\ d #/  *88 (_14 ` ," T\ d #,23  Ԁ," T\ d #, ` *55 (_13  )T T\ d #)23  Ԁ)T T\ d #)  *22 (_12  &\ d #&23  Ԁ&\ d #&  *// (_11 h #\ d ##23  Ԁ#\ d ## h *,, (_10   \\ d # 23  Ԁ \\ d #  ()) &_9   d #23  Ԁ d #  (DD &_8  8.L T\ d #823  8.L T\ d #8  (JJ &_7   2(L L T\ d #223  2(L L T\ d #2   (;; &_6  /% T\ d #/23  /% T\ d #/  (88 &_5 ` ," T\ d #,23  ," T\ d #, ` (55 &_4  )T T\ d #)23  )T T\ d #)  (22 &_3  &\ d #&23  &\ d #&  (// &_2 h #\ d ##23  #\ d ## h (,, &_1   \\ d # 23   \\ d #  &)) $_   d #23   d #  <:Default Para<:Fyrirs?gn/ g     IS    ?0\  `Times?#  S1\  `&Times New RomanS#   IS \  `Times\  `&Times New Roman  a1X',..,X*XXX? 4XX*0?vvbX0#ggdd  ISUS,.   _Ԁ HauckAufhuser Privatbankiers KGaA Eglu4Samvinnul1feyrsissj;Wnum&Samvinnutryggingaikmo %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.(31X$ !,..,X*XXXTRW6&A4X3' Letter 6&A43'LetterT ? 4XX*0?vvbX0#ggdd  84dd8ISUS,.     ^^`   (31X$ !,..,X*XXXTRW6&A4X3' Letter 6&A43'LetterT ? 4XX*0?vvbX0#ggdd  84dd8ISUS,.     ^^`   (3\E$ !,..,X*XXXTRW6&A4X3' Letter 6&A43'LetterT ? 4XX*0?vvbX0#ggdd  84dd8ISUS,.     ^^`    d (M0J$2  0  .3  0 ` (0$0  2   d  a   d.3  0` "" d(u$0  0` (#(#` `  2  a  .3  0` (#` (#(`$0  0` (#(#0 ` (#` (#0 (# (#"h2  0  .3  0(#(#3#37=CIQYag1.a.i.(1)(a)(i)1)a) d  g\E+,..,X*XXX? 4XX*0?vvbX0#ggdd  ISUS,.   d  ݀qi) %y_ gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)4cp Z "Times Regular : e1X),..,X*XXX? 4XX*0?vvbX0#ggdd  ISUS,.   _>? Ҁ !,..,X*XXXTRW6&A4X3' Letter 6&A43'LetterT ? 4XX*0?vvbX0#ggdd  84dd8ISUS,.     ^^`   _ >?  _ikmo(%03q 93145.lggjafarYing2015!2016. ( Xingskjal1367"791.ml.     S 4  TillagatilYingslyktunar#4  S[#   z  umranns;knerlendriYtttkukaupum45,8%eignarhlut   BnaWarbanka0slandshf.o.fl.  X   Frstj;rnskipunar-ogeftirlitsnefnd.      AlYingilyktarsamrmiviWkvWilagaumranns;knarnefndiraWframfariranns;kn   YtttkuYUskabankansHauck&AufhuserPrivatbankiersKGaAkaupum45,8% wO  eignarhlutarkisinsBnaWarbanka0slandshf. B    Ranns;kninverWifalineinummannisemforsetiAlYingisskiparskv.1.mgr.2.gr.laga    umranns;knarnefndir.HanndragisamanogbitilbirtingarupplUsingarummlsatvikog   aWkomueinstakraaWilaaWYtttkuYUskabankanskaupunummeWtillititilYeirraupplUs {  ingasemkaupendurveittuslenskarkinusemseljandaogstofnunumYess. nF   Ranns;kninniljkisvoflj;ttsemverWamogeigisWaren31.desember2016. 9   SamhliWaranns;kninnifaristj;rnskipunarogeftirlitsnefndyfirfyrirliggjandiggnog  upplUsingarumumfjllunoglyktanireftirlitsaWilaumslunaFjrfestingarbankaatvinnu  lfsinshf.,Landsbanka0slandshf.ogBnaWarbanka0slandshf.,sbr.lyktunAlYingisfr7. r n;vember2012. e=   grundvelliniWurstWuranns;knarinnar,sbr.1.mgr.,ogaWlokinniyfirferWstj;rnskipun 0 arogeftirlitsnefndar,sbr.4.mgr.,legginefndinmathvorthngeritillguumfrekarirann  s;kneinkavWinguFjrfestingarbankaatvinnulfsinshf.,Landsbanka0slandshf.og  BnaWarbanka0slandshf.,sbr.fyrrgreindalyktunfr7.n;vember2012Yarum. i #dgg  GreinargerW.#ggd  ' 0   TilgangurtillgunnareraWleiWalj;shverhafiraunveriWYtttakaYUskabankansHauck  &AufhuserPrivatbankiersKGaAkaupum45,8%eignarhlutarkisinsBnaWarbanka  0slandshf.ogjafnframtaWskapagrundvllfyrirnnariafmrkunlyktunAlYingisfr7. `  n;vember2012,umranns;kneinkavWinguFjrfestingarbankaatvinnulfsinshf.,Lands S+! banka0slandshf.ogBnaWarbanka0slandshf.,sbr.kvWilagaumranns;knarnefndirmeW " sWaribreytingum. #   1. !W%   Hinn16.janar2003vargengiWfrkaupsamningiumslu45,8%hlutrkisinsBn J""& aWarbanka0slandshf.AWkaupunumst;Wh;puraWila,svonefndurSh;pur,semviWkaupin #' samanst;WafEgluhf.(71,19%),Samvinnulfeyrsissj;Wnum(7,63%),Vtryggingaflagi #( 0slandshf.(8,47%)ogEignarhaldsflagiSamvinnutrygginga(12,71%).0aWdragandaslu $ ) ferlisinsvargengiWtfrYvaWerlendfjrmlastofnunkmiaWkaupumSh;psins.0kaup v%N!* samningnumkomframaWYUskibankinnHauck&AufhuserPrivatbankiersKGaAtti50% A&"+ hlutafjrEgluhf.  '",   UmaWkomuYUskabankansaWkaupumumrddumhlutBnaWarbankanum,sWari '#- breytingareignarhaldiEgluhf.ogefndirkaupsamningsumkaupinhefurveriWfjallaW (z$. 9 y_   skUrsluranns;knarnefndarAlYingis,einkumbls.250!261ogbls.281!2841.bindi.Um ( lyktanirYingmannanefndarumskUrsluranns;knarnefndarAlYingiserfjallaWskUrslu  nefndarinnarseptember2010.XhefureinnigveriWfjallaWumkaupEgluhf.BnaWar  bankanumAlYingi,sbr.svarviWskiparWherraYskj.1273132.lggjafarYingi.Ennfrem a urhefurRkisendurskoWungertathuganirmlinu,sjt.d.skUrslustofnunarinnar T, desember2003umeinkavWinguhelsturkisfyrirtkja1998!2003,bls._65!74,ogminnis  blaWihennar,dags.7.jn_2005,_Ԁ?[Nnar]umnokkuratriWiertengjastsluhlutrkisins  LandsbankaogBnaWarbankatilkjlfestufjrfestarinu2002. Svoogennfremursaman   tektstofnunarinnar,dags.7.jn2005,tilformannsfjrlaganefndarYarsemsvarWaWer?8  X spurningumsembeintvaraWRkisendurskoWunfundifjrlaganefndarhinn28.aprl2005 K #  umsluhlutumLandsbankanumogBnaWarbankanumtilkjlfestufjrfestarinu2002    o.fl. ogsamantektRkisendurskoWunarmars2006?8vegna?nUrra gagnaogupplUsinga    umslu45,8%hlutrkisinsBnaWarbanka0slandshf.tilhinssvokallaWaSh;ps .Lj;st   erafYessumathugunumaW;skirhafaveriWumaWaWildhinsYUskabankaverWiskUrWnnar wO  YarsemefasemdirhafaveriWumaWYtturbankanshafiraunveriWmeWYeimhttisem B  kynntvarafhlfukaupendaeignarhlutarins.      1.1. {  \L  M    MeWbrfi,dags.19.ma2016,greindiumboWsmaWurAlYingisstj;rnskipunarogeftirlits nF nefndfrYvaWhonumhefWuboristupplUsingarogbendingarumhvernigleiWamttilj;s 9 hverhefWiraunveriWYtttakaYUskabankansHauck&AufhuserPrivatbankiersKGaA  kaupumeignarhlutaslenskarkisinsBnaWarbanka0slandshf.rinu2003,meWaWild  hansaWEgluhf.BrfumboWsmannsersvohlj;Wandi: r L  M    ?0lj;siYesseftirlitssemumboWsmaWurAlYingishefurmeWstarfistj;rnvaldaberastmr e= reglulegaUmsarbendingarumathafnirYeirraogstarfsemisemsumumtilvikumgefatil 0 efnitilnnariskoWunar.NUveriWbrustmrupplUsingarogbendingarumhvernigleiWa  mttilj;shverhafiraunveriWYtttakaYUskabankansHauck&AufhuserPrivatbankiers  KGaAkaupumeignarhlutaslenskarkisinsBnaWarbanka0slandshf.rinu2003meW i aWildhansaWEgluhf.XessumupplUsingumvarkomiWtilmnundirYeimformerkjumaWg \4 gttitrnaWarumupprunaYeirra.EWlimlssamkvmtkunnaupplUsingarafYessutagiaW ' hafaYUWinguumrttmtiYeirraupplUsingasemslenskstj;rnvldbyggWuviWslu  umrddumeignarhluta,Y.m.viWvalviWsemjandaumkaupin.XkanneinnigaWskipta  mlihvortYauskilyrWisemframkomukaupsamningiumYessiviWskiptihafiaWlluleyti `  veriWuppfylltsemogYegartekinvarafstaWatilbeiWnakaupandanssWaristigumumbreyt S+! ingarsamningsbundnumskyldumaWila.0lj;siYesstmasemliWinnerfrYessumatburWum " telgekkilkuraWYessarupplUsingargefi,nemaannaWkomiframviWfrekariathugun # grundvelliYeirra,tilefnitilranns;knarYartilbrrayfirvaldavegnameintrarefsiverWrar  $ httsemi.ghefYvekkitaliWskilyrWitilYessaWkomabendinguumYettamlframfri !W% viWYauyfirvld. J""&   EftiraWhafastarfaWranns;knarnefndAlYingisumaWdragandaogorsakirfallsslensku #' bankanna2008ogtengdaatburWi,semfjallaWim.a.umeinkavWingubankanna,ermrhins #( vegarlj;staWlengihafaveriWuppi;skirumaWaWildhinsYUskabankaaWkaupunumverWi $ ) skUrWnnar.TilefniWeruefasemdirumaWYtturbankanshafiraunveriWmeWYeimhtti v%N!* semkynntvarafhlfukaupendaeignarhlutans.AlYingihafakomiWframfyrirspurnirum A&"+ mliW,sjt.d.Yskj.1273132.lggjafarYingi2005!2006,RkisendurskoWunhefurgertat  '", huganirmlinuogaflaWtiltekinnagagnaaukYesssemWurnefndranns;knarnefndAlYing '#- isfjallaWiummliW.gYekkiYaWrstarfimnuranns;knarnefndinniaWYarvarreyntaW (z$. fframgleggriupplUsingarenWurhafWitekistumtilefniogaWildYUskabankansaWkaupum ( hlutnumBnaWarbanka0slandshf.XettavarliWurYvaWfframeinsmiklarupplUsingar  ogkosturvarumeinkavWingubankannaenathugunnefndarinnarbeindistm.a.aWYv  hvaWaYUWinguerlendYtttakakaupumhlutBnaWarbankanumhefWihaftviWkvarWanir a umvalkaupendum,sjeinkumbls.250!2611.bindiskUrsluRNA.EftirYvinnu,ogmeW T, hliWsj;nafYvsemframkemurskUrslunefndarinnarumYauatriWi,telgaWreyndverWi  ekkibttviWupplUsingumsemhafaYUWinguumhvernigstaWiWvaraWeinkavWingubank  annanemaannarsvegarkomitilnUjarupplUsingarafhlfuYeirrasemunnuaWslubank   annatilviWb;tarYvsemYeirhafaWurgreintfroghinsvegaraWupplUstverWihverhafi  X raunveriWYtttakaYUskabankanskaupumhlutnumBnaWarbanka0slandshf. K #    MeWvsantilYesssemaWframanerrakiWtaldigstWutilaWkannaYessarupplUsingar    nnarmeWtillititilfyrrivitneskjuminnarumYessimlogranns;knYeirraogYesshvort    grundvelliYeirravrulkuraWleiWamttiframnUjarstaWreyndirumhverhafiraun   veriWYtttakahinsYUskabanka.NiWurstaWamnersaWfrekarirvinnslaYessaraupplUs wO  ingaogtilteknarathuganiroggagnaflunslklegtilYess.gtelhinsvegarlj;staWhvorki B  lgbundnarstarfsheimildirogrrWiumboWsmannsAlYingisnRkisendurskoWunardugi    tilYessaWaflaYeirragagnasemYrupplUsingarsemgheffengiWvsatilogjafnframt,   eftirYvsemYrfkrefur,tilYessaWaflaupplUsingaogskUringahjfyrirsvarsmnnumYeirra {  lgaWilasemkomaviWsgumlinu.MarkmiWupplUsingaflunarafYessutilefnivrifyrst nF ogfremstaWdragasamanogbatilbirtingarsamandregnarupplUsingarumhvervoru 9 raunatvikogaWkomaeinstakraaWilaaWYtttkuYUskabankansHauck&AufhuserPrivat  bankiersKGaAkaupunum,ogYmeWtillititilYessaWberamegiYaWsamanviWYrupp  lUsingarsemkaupendurnirveittuslenskarkinusemseljanda.Xarskiptirm.a.mliaWgeta r aflaWYeirragagnasemkunnaaWveratiltkumtilflutningfjrmunatengslumviWkaupin. e=   0lj;siYeirrarreynslusemghefafYvaWhafaunniWaWslkuverkefniundirYekkum 0 lagareglumogneraWfinnalgumnr.68/2011,umranns;knarnefndir,hefgsamrmi  viWYaWhlutverksemstj;rnskipunarogeftirlitsnefndAlYingiserfengiW1.gr.Yessaralaga  aWYvervarWartillguumskipunranns;knarnefndar,kveWiWaWsendanefndinnibrfYetta. i TilgangurYesseraWkynnanefndinniaWmrhafiboristofangreindarupplUsingarogkoma \4 YeirribendinguframfriviWnefndinaaWgteljieWlilegast,efAlYingitelurrttaWfreista ' YessaWfframogbirtanUjarupplUsingarumYtttkuYUskabankansHauck&Aufhuser  PrivatbankiersKGaAkaupunumhlutBnaWarbankanum,aWunniWverWiaWYvverkefni  grundvellilaganr.68/2011.XkannjafnframtaWveratilefnitilYessaWberanUjarupplUs `  ingarsemkunnaaWkomaframsamanviWYrupplUsingarsemstj;rnvldumvorultnar S+! tsnumtmaogYauskilyrWisemsettvoruafhlfurkisinsviWkaupin.MeWtillititilefnis " laganr.68/2011tekgframaWYeimupplUsingumsemghefkynntmrkemurekkertfram # semgefurstWutilaWtlaaWYeirsemafhlfurkisinst;kukvrWunumogunnuaWslu  $ umrddumeignarhlutaYesshafihaftvitneskjuumYauatriWisemkomaframYeimupplUs !W% ingumsemghefvsaWtilhraWframan. J""&   EinsogkunnugtersamYykktiAlYingi7.n;vember2012lyktunumranns;kneinka #' vWinguYriggjabankasemWurvorueigurkisins,Y.m.t.BnaWarbanka0slandshf.gtel #( afYvtilefnirttlj;sifyrrivinnuminnarumboWiAlYingisviWranns;knYeirramlaog $ ) eftirYathugunsemghefgerthinumnUjuupplUsingum,aWupplUsanefndinaumYaWmat v%N!* mittaWranns;knogskUrslugerWumYannafmarkaWaYtteinkavWingubankannasemlUtur A&"+ aWYtttkuhinsYUskabankakaupumBnaWarbankanumgetifariWframsjlfsttog;hW  '", YvhverkunniaWverWaendanlegniWurstaWaumranns;knannarraatriWavegna_einkavW '#- ingarinnar_.VerWirWistranns;kngrundvelliumrddrarlyktunarttieinnigaWvera (z$. unntaWtakaYvinnusemunninhefurveriWogeftiratvikumskUrsluumranns;knYessaaf ( markaWaYttarinnvWtkariranns;knmlsinsefviljistWitilYess.XaWerjafnframtmat  mittaWljkamegivinnuviWranns;knogskUrslugerWumYettaafmarkaWaatriWitiltlulega  stuttumtma,miWaWviWYrupplUsingarsemghefttkostaWkynnamr.Srstaklega a YettaviWefkosturerYvaWnUtaYekkinguogreynsluYeirrasemYegarhafaunniWaWat T, hugunumYessumYttieinkavWingubankanna.gtekYaWframaWefnefndin;skareftir  YergreiWubinntilaWaWstoWaviWgerWtlunarumverkefniWogYannkostnaWsemtla  maWfylgiYv.     sWustudgumhefurbWihrlandiogerlendisveriWmikilumrWaumhlutflaga  X semskrWerulndumsemveitakostYvaWleyndhvliumskrninguYeirra,fjrhagsleg K #  atriWiogstarfsemiYeirra,bWiviWskiptumogvrslufjrmuna.XaumlogYaWsemfjallaW    erumhraWofanvekjam.a.uppspurningarsemltaaWmguleikumopinberraaWilasem    fjallaumrWstfunopinberumeignumtilYessaWgangarskuggaumhvaWaaWilarstandi   raunaWbakiYeimsemlUsahugasnumaWeignastslkareignireWafjrmagnakaupin. wO  MeWtillititilaukinnakrafnaumgegnsiogjafnrWistj;rnsUslunnisemogviWrWstfun B  opinberraeigna,kannaWverastWatilaWhugaaWYvhvortgeraverWimeirikrfurtilaW    fyrirliggiupplUsingarumaWildflagaafumrddutagiaWkaupumopinberumeignum.    L  M    EinsogbrfumboWsmannsbermeWsrliggurYessustigiekkifyrirhverjuYrupplUs {  ingarnarsemumrWireruf;lgnar,hversuppruniYeirraeWameWhvaWahttiYrerutil nF YessfallnaraWupplUsamliW.LeggjaberhinsvegarhersluaW;nafngreindureinstaklingur 9 hefursniWsrtilumboWsmannsAlYingismeWupplUsingarsemaWmatiumboWsmannseru  tilYessfallnaraWleiWalj;shvaroghvernigmegiaflagagnaogupplUsingaumYaWhverhafi  raunveriWYtttakahinsYUskabankasluumrddumhlutBnaWarbanka0slandshf.0 r lj;sistWuumboWsmannssemtrnaWarmannsAlYingisogfyrriaWkomuhansaWmlinu,sem e= nefndarmaWurranns;knarnefndAlYingisfallibankanna2008,Yykirekki;varlagtaW 0 leggjatilgrundvallarmathansaWumrddarupplUsingarmunileiWalj;shvervarraun  aWkomahinsYUskabankaaWkaupumeignarhlutarkisinsBnaWarbanka0slandshf.    1.2. \4 O  Lgumranns;knarnefndirgerarWfyrirYvaWAlYingigetiltiWfaraframranns;kn ' mikilvgumlisemvarWaralmenning.MikilvgimlsYessafelstYvaWeyWaYeimefa  semdumsemuppihafaveriWumraunverulegaaWkomuhinsYUskabankakaupum45,8%  eignarhlutarkisinsBnaWarbanka0slandshf.JafnframtverWuraWteljamikilvgtaWupp `  lUsingarnarverWibornarsamanviWYrupplUsingarsemstj;rnvldumvorultnartsn S+! umtmaogYskilmlasemvarbyggtafhlfurkisinsviWkaupin,Y.m.t.umYrbreytingar " semleyfWarvorusWaristigum.HrYarflkaaWhafahugaaWmikilvgiranns;knarinnar # felstekkisstYvaWleiWalj;srrWistj;rnvalda,semannastslueignumrkisins,til  $ YessaWgangarskuggaumhvaWaaWilarstandiraunaWbakiYeimsemlUsthafahugasn !W% umaWeignastslkareignireWafjrmagnakaupin.NliggurfyriraWnstunnimunuUmsar J""& verWmtarogsamflagslegamikilvgareignirsemrkiWfermeWverWaboWnartilslu.XaW #' kannYvaWveratilefnitilYessaWhugasrstaklegaaWframangreindu. #(   0lj;siYessaWYegarliggjafyrirupplUsingarogathuganirsluumrddumeignarhluta $ ) rkisinsBnaWarbanka0slandshf.ogennfremuraWnokkurtmierliWinnoglklegteraW v%N!* mgulegrefsibyrgWsfyrnderlagttilaWskipaWurverWieinnsrfr;WureinstaklingurmeW A&"+ YekkingumlinutilYessaWdragasamanogbatilbirtingarupplUsingarumatvikmlsins.  '", JafnframterYessulj;silagttilaWranns;kninniverWilokiWeinsflj;ttogverWamfyrirlok '#- rs2016. (z$. Ї  1.3. ( X  LeggjaberhersluaWranns;kninleiWilj;shinaraunveruleguatburWarsviWsluna  umrddumeignarhlutarkisinsBnaWarbanka0slandshf.,efndirsamningsumkaupinog  sameininguBnaWarbankansogKaupYingsma2003.MikilvgteraWupplUstverWihvernig a YtttakahinsYUskabankakomtiloghverYtturhansvarkaupunum,hvernigmatiFjr T, mlaeftirlitsinsvarhttaWhfiSh;psinstilaWfarameWvirkaneignarhlutBnaWarbank  anumhf.oghvernigupplUsingagjfEgluhf.vartilrWherra,framkvmdanefndarumeinka  vWingu,FjrmlaeftirlitsinsogennfremurRkisendurskoWunarumaWkomuhinsYUska   bankaaWkaupunum.XYarfaWhugaaWYvhvortskilyrWikaupsamningsumfjrmgnunog  X meWferWhinumkeyptahluthafiveriWuppfylltafhlfuEgluhf.ogumlokYtttkuhins K #  YUskabankakaupunum.0YessusambandiskiptireinnigmliaWYUskibankinnvarenn    meWalhluthafaEgluhf.YegarBnaWarbankinnsameinaWistKaupYingivoriW2003enmars    2004fllstviWskiptarWuneytiWaWhluthafarEgluhf.fenguaWeigaviWskiptisnmillimeW   hlutiflaginuYrttfyrirsrkvWikaupsamningisemtakmarkaWirWstfuneigendaEglu wO  hf.hlutumflaginu.LoksermikilvgtaWranns;kninleiWilj;shverjirvoruraunmgu B  leikarstj;rnvaldaeWaRkisendurskoWunartilYessaWttasigraunverulegumYttiYUska    bankanskaupunumgrundvelliYeirraupplUsingasemYessumaWilumvoruveittarogYeir   fluWu.grundvelliYessaraatriWaogsamrmiviW1.mgr.2.gr.lagaumranns;knarnefnd {  irmunforsetiAlYingisafmarkannarumboWranns;knarnefndarsamrWiviWforstisnefnd. nF   2.  a  XegarnUttbrWabirgWakvWiviWlgumranns;knarnefndir,sbr.14.gr.frumvarpsYess  semnliggurfyrirAlYingiumbreytingulgumumranns;knarnefndirhefurWlastgildi r ergertrWfyriraWstj;rnskipunarogeftirlitsnefndfjalliumlyktunAlYingisfr7.n;vem e= ber2012,umranns;kneinkavWinguFjrfestingarbankaatvinnulfsinshf.,Landsbanka 0 0slandshf.ogBnaWarbanka0slandshf.TilgangurYeirrarumfjllunarnefndinnieraW  tryggjaaWafmrkunogumfangranns;knarinnarverWisamrmiviWkvWilagaumrann  s;knarnefndirmeWsWaribreytingum.MeWalYesssemnauWsynlegteraWstj;rnskipunarog i eftirlitsnefndfariyfirerumfjllunAlYingisogeftirlitsaWilaumslubankanna,Y.m.t.eftir \4 litsstofnanaAlYingis,sbr.liW1hraWframan,ogennfremurlggjfsemAlYingihefursett ' ummeWferWeignarhlutumrkisinsfjrmlafyrirtkjumsvoberamegisamanYauatriWi  semYegarhafahlotiWumfjllunogYausemstWaertilaWkannafrekar.    GerterrWfyrirYvaWsamhliWaranns;knYtttkuYUskabankanskaupumeignar `  hlutanumBnaWarbanka0slandshf.fariframangreindathugunstj;rnskipunarogeftirlits S+! nefndarfram,sbr.4.og5.mgr.tillgunnar.AWhennilokinniogaWfenginniniWurstWurann " s;knarinnar,semttiaWliggjatiltlulegaskj;ttfyrir,verWimarkvisstunntaWafmarkannar # mgulegaranns;kngrundvellilyktunarAlYingisfr7.n;vember2012,umranns;kn  $ einkavWinguFjrfestingarbankaatvinnulfsinshf.,Landsbanka0slandshf.ogBnaWarbanka !W% 0slandshf. J""&