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F@)^  8.gr.FB  ݈  0samYykktumverWbrfasj;Wsskulum.a.komaframeftirfarandiatriWi:C y $$yC-- ?<<2  2  ڈ.3   0  NafnverWbrfasj;Ws,heimiliogvarnarYing. $    ?<<2  4  ڈ.3   0  Nafnvrslufyrirtkissj;WsinsogkvWiumhvernigskiptverWiumYaW.!W%    ?<<2  6  ڈ.3   0  Hvortsj;Wurinnstarfi;skiptureWaaWgreindumdeildum.W""&    ?<<2  8  ڈ.3   0  kvWiumboWunaWalfundarogmlefnisemYarskalfjallaWum,YarmeWalhvortogmeW "#' hvaWahttisamYykktumverWibreytt.     ?2   10  ڈ.3   0  HverjireigirtttilsetuaWalfundiogatkvWisrtturYeirra.$ )    ? 2   12  ڈ.3   0  Stj;rnverWbrfasj;Wsogrekstrarflaghans,sbr.12.gr.%N!*    ? 2   14  ڈ.3   0  HverhafirtttilaWskuldbindaverWbrfasj;WinnoghverfarimeWatkvWisrttsemfylgir N&"+ verWbrfumhanseigu.     ?2  16  ڈ.3   0  FjrfestingarstefnaverWbrfasj;Wsins.'#-    ?2  18  ڈ.3   0  HvernigreiknaskulitraunvirWihvershlutarsj;Wnum.(z$.    ?2  20  ڈ.3   0  HvernighttaWskuliinnlausnhlutdeildarskrteina.z)E%/    ?2  22  ڈ.3   0  HvernigrWstafaskuliarWieWaWrumhagnaWiafverWbrfumsj;Wsins.E*&0    ?2  24  ڈ.3   0  EndurskoWunogreikningsrsj;Wsins.+&1    ?2  26  ڈ.3   0  kvWiumsamrunasj;WsinsviWaWraverWbrfasj;WieWasamrunadeildasamasj;Ws.+'2    ?2  28  ڈ.3   0  Hvernigsj;WiverWislitiW. =,q(3      BreytingarsamYykktumverWbrfasj;WsWlastekkigildifyrrenaWfenginnistaWfestingu q-<)4 bankaeftirlitsins.BreytingarskulustaWfestarsuYrsamrmiviWlg,endasuYraWWruleytisamrmiviWhagsmunieigendahlutdeildarskrteinaogengaraWrarfullgildarstWurmligegnstaWfestingu.BreytingarWlastgildieigisWarenYremurmnuWumeftirstaWfestingunemabankaeftirlitiWkveWiannaW.TilkynningumbreytingarskalbirtLgbirtingablaWi. =   VerWbrfasj;WurskaltilkynnaeigendumhlutdeildarskrteinaumhverjabreytingusamYykktumsj;WsinsogjafnframtauglUsahanaopinberlega.D@(^  IV.KAFLIDbrse  ݈>@^   Stj;rnogskipulagverWbrfasj;Wa.>$crse   ݈  X F@)^  9.gr.Fcrse  ݈  VerWbrfasj;WmstofnasemhlutaflageWaWruflagsformi. =   HeimilteraWverWbrfasj;WurstarfiaWgreindumdeildum.BerYhverdeildbyrgWsnumskuldbindingum.X;beradeildirsj;Wsins;skiptabyrgWsameiginlegumkostnaWiYeirra.H@)^  10.gr.Hgrse  ݈  AWalfundurfermeWWstavaldmlefnumverWbrfasj;Ws.Stj;rnsj;WsinsfermeWmlefnihansmilliaWalfunda. =   AWalfundskalhaldasamkvmtkvWumsamYykkta.AWalfundskalboWameWminnsttudagafyrirvaraogskaldagskrfylgjafundarboWi.H@)^  11.gr.HLk  ݈  Stj;rnverWbrfasj;WsskalkjrinaWalfundisamkvmtkvWumsamYykktaogskalveraskipuWYremurmnnumhiWfsta.Stj;rninhefuralmennteftirlitmeWaWstarfsemisj;WsinsssamrmiviWkvWilagaYessara,reglursettarsamkvmtYeimogsamYykktirsj;Wsins,YarmeWalaWngilegteftirlitsmeWb;khaldiogrWstfuneignasj;Wsins. =   Stj;rnarmennskuluverabsettirhrlandi,hafanWtuttuguraaldri,hafa;flekkaWmannorWogmegaaldreihafaveriWsviptirforrWibisnu. =   Stj;rnarmenn,sembsettireruaWildarrkjumEvr;pskaefnahagssvWisins,eruundanYegnirbsetuskilyrWiskv.2.mgr.ViWskiptarWherrageturveittrkisborgurumannarrarkjasmuundanYgu. =   Stj;rnarmennmegaekkijafnframteigastistj;rnvrslufyrirtkiseWarekstrarflagsskv.V.kafla.D@(^  V.KAFLIDZv  ݈>@^   Rekstrarflgogvrslufyrirtki.>v   ݈ +" F@)^  12.gr.Fw  ݈  ReksturverWbrfasj;WsskalfalinnsrstkurekstrarflagisemhlotiWhefurviWurkenningubankaeftirlitsins.FlagiWskalverahlutaflagmeWaWseturhrlandi.XaWskalvera;hWstrfumsnumogeinungishafameWhndumdagleganreksturverWbrfasj;WaeWaannarrafyrirtkjaumsameiginlegafjrfestinguframseljanlegumverWbrfumsemekkifallaundirkvWilagaYessara.Rekstrarflagmekkijafnframtveravrslufyrirtkiskv.14.gr. =   Rekstrarflagier;heimiltaWeignasthlutimeWatkvWisrttiYeimmliaWYaWgeriflaginukleiftaWhafaveruleghrifstj;rnuntgefandaverWbrfa.  '", H@)^  13.gr.Hƀ  ݈  Daglegurstj;rnandirekstrarflagsskalhafaleyfitilverWbrfamiWlunarsamkvmtlgumumverWbrfaviWskipti.Honumer;heimiltaWsitjastj;rnatvinnufyrirtkjansamYykkisbankaeftirlitsins.H@)^  14.gr.H5  ݈  UmsjogvarWveislaverWbrfaverWbrfasj;WsskalfalinvrslufyrirtkisemhlotiWhefurviWurkenningubankaeftirlitsinseWalgbrrayfirvaldahlutaWeigandirki.FjrmunumverWbrfasj;WsskalhaldiWaWgreindumfrfjrmunumvrslufyrirtkis.VrslufyrirtkiskalC y $$yC-- ?<<2  2  ڈ.3   0  sjumaWsala,tgfa,endurkaup,innlausnog;gildinghlutdeildarskrteinaverWbrfasj;Ws X #  farisamkvmtlgumogsamYykktumsj;Wsins,     ?<<2  4  ڈ.3   0  sjumaWinnlausnarvirWihlutdeildarskrteinasreiknaWsamrmiviWlgogsamYykktir    sj;Wsins,     ?<<2  6  ڈ.3   0  framfylgjafyrirmlumrekstrarflagsverWbrfasj;WsnemaYausuandstWuviWlgog O  samYykktirhans,     ?<<2  8  ڈ.3   0  sjumaWviWskiptummeWeignirverWbrfasj;WssendurgjaldfyrirYrinntafhendiinnan   eWlilegratmamarka,     ?2   10  ڈ.3   0  sjumaWtekjumverWbrfasj;WssrWstafaWsamrmiviWlgogsamYykktirsj;Wsins. ={       ViWurkenningusemvrslufyrirtkigetahlotiWC y $$yC- - ?<<2  2  ڈ.3   0  verWbrfafyrirtki,F    ?<<2  4  ڈ.3   0  viWskiptabankarogsparisj;Wir,    ?<<2  6  ڈ.3   0  aWrarlnastofnanirsemstarfasamkvmtlgumsemumYrgilda,    ?<<2  8  ڈ.3   0  tibhliWstWrastofnanasemstarfahrlandi.r   H@)^  15.gr.H*  ݈  VerWbrfasj;Wier;heimiltaWskiptaumrekstrarflageWavrslufyrirtkinsamYykkisbankaeftirlitsins.D@(^  VI.KAFLID  ݈>@vv"^   Hlutdeildarskrteini.>fta   ݈ 4 F@)^  16.gr.Ffta  ݈  GefaskaltverWbrfformihlutdeildarskrteinatilYeirrasemfverWbrfasj;Wifjrmunitilvxtunar.HlutdeildarskrteiniskuluskrWnafn.Allir,semeigahlutdeildaWverWbrfasj;WieWasrgreindrideildhans,eigasamartttilteknaogeignasj;WsinseWaviWkomandideildarhlutfalliviWeignsnaogeruskrteininstaWfestingtilkallitilverWbrfaeignarsj;Wsins.H@)^  17.gr.HLfta  ݈  0hlutdeildarskrteiniskalm.a.getiWeftirtalinnaatriWa:C y $$yC-- ?<<2  2  ڈ.3   0  NafnsverWbrfasj;Ws,fjrvrslufyrirtkisogrekstrarflags.W""&    ?<<2  4  ڈ.3   0  NafnsogkennitluupphaflegseigandaskrteinisognmersYess."#'    ?<<2  6  ڈ.3   0  HvernighlutdeildarskrteiniverWiinnleystoghvaWareglurgildiumarWgreiWslur.#(    ?<<2  8  ڈ.3   0  NafnsogkennitluframsalshafahafiskrteinigengiWkaupumogslumninnlausnarYess. =$ )      HlutdeildarskrteiniskalveradagsettogundirritaWafstj;rnverWbrfasj;WseWaYeimsemhnhefurgefiWumboWtilYess.NafnrituninmveraprentuWeWasettframannansambrileganhtt.H@)^  18.gr.HVsem  ݈  RekstrarflagverWbrfasj;Wsskalhaldaskryfirllhlutdeildarskrteinisj;Wnum.0skrnniskaleftirfarandim.a.komafram:i}C y $$yC-- ?<<2  2  ڈ.3   0  Nafnogkennitalaeiganda.E*&0    ?<<2  4  ڈ.3   0  NmerskrteinisogsludagurYess.+&1    ?<<2  6  ڈ.3   0  NafnverWskrteinis.+'2    ?<<2  8  ڈ.3   0  Heildarfjlditistandandiskrteina. =,q(3      TilkynnaskaleigendaskiptihlutdeildarskrteinatilrekstrarflagsverWbrfasj;Ws.Slkartilkynningar,samtWrumupplUsingumsemberastvarWandieignarhaldskrteinum,skulufrWar <.*5 innskrnaogheimildartilkynningargetiW.  Kj;sieigendurhlutdeildarskrteinafulltrastj;rnverWbrfasj;WssamkvmtsamYykktumsj;WsinsskalgerWnafnaskrYarsemframkominfnYeirrasemeigaatkvWisrttogatkvWafjldi.EigendumhlutdeildarskrteinaerheimiltaWfafritafYessariskreigisWarenYremurvikumfyriraWalfundsj;Wsins.H@)^  19.gr.Hʲ  ݈  HlutdeildarskrteiniverWbrfasj;WsverWaeinungisseldgegnstaWgreiWslukaupverWs. =   HlutdeildarskrteiniskuluinnleystaWkrfueigendasamkvmtnnarikvWumsamYykktaverWbrfasj;Wsins.X;erverWbrfasj;WiheimiltsamkvmtkvWumsamYykktaaWfrestainnlausnhlutdeildarskrteina.FrestunskalveraalmennogtakatilallrahlutdeildarskrteinaogverWureinungisbeittmlisrstakarstWurmeWYvoghagsmunireigendahlutdeildarskrteinakrefjist.FrestuninnlausnskalYegartilkynntbankaeftirlitiogeftirlitsaWilumannarrarkjainnanEvr;pskaefnahagssvWisinsYarsemhlutdeildarskrteiniverWbrfasj;WsinshafaveriWsettmarkaW.JafnframtskalfrestunauglUstopinberlega. =   BankaeftirlitiWgeturkrafistYessaWinnlausnhlutdeildarskrteinaverWifrestaWkrefjisthagsmunireigendaskrteinannaeWaalmenningsYess. =   InnlausnarvirWihlutdeildarskrteinaverWbrfasj;WsermarkaWsvirWisamanlagWraeignaaWfrdregnumskuldumsj;WsinsviWinnlausn,svosemskuldumhansviWinnlnsstofnanir,;greiddumumsUslu-ogstj;rnunarkostnaWi,innheimtukostnaWiogfllnumeWareiknuWumopinberumgjldum.  InnlausnarvirWihlutdeildarskrteinaverWbrfasj;WsskalreiknaWdaglegaogauglUstopinberlegaeigisjaldnarentvisvarmnuWi.BankaeftirlitiWgeturkveWiWaWopinberauglUsinginnlausnarvirWisskulifaraframoftarefstWaYykirtil. =   RWherrageturreglugerWsettnnarireglurumtreikninginnlausnarvirWihlutdeildarskrteina.D@'^  VII.KAFLID6  ݈>@dd^   FjrfestingarstefnaverWbrfasj;Wa.>   ݈ i4 F@)^  20.gr.F  ݈  VerWbrfasj;Wi,eWaeinstkumdeildumhans,ereingnguheimiltaWfjrfestameWeftirfarandihtti:C y $$yC-- ?<<2  2  ڈ.3   0  0framseljanlegumverWbrfumsemskrWhafaveriWopinberumverWbrfamarkaWieWaganga `  kaupumogslumWrumskipulegumverWbrfamarkaWiinnanEvr;pskaefnahagssvWisinssemstarfarreglulega,eropinnalmenningiogviWurkenndurmeWYeimhttisembankaeftirlitiWmeturgildan.SmarkaWurinnutanEvr;pskaefnahagssvWisinsskalbankaeftirlitiWhafaviWurkennthann.     ?<<2  4  ڈ.3   0  0nUtgefnum,framseljanlegumverWbrfum,endasskilmlumvegnatgfuYeirra !W% skuldbindingumaWs;ttverWiumskrninguopinberumverWbrfamarkaWieWaaWYauverWiltingangakaupumogslumWrumverWbrfamarkaWiskv.1.tlul.SkrningverWbrfasamkvmtYessukvWiskalfaraframeigisWareneinurifrtgfuYeirra. =       XrttfyrirkvWi1.mgr.erverWbrfasj;WieWadeildinnanhansheimiltaWfjrfestasemsvararalltaW10%afeignumsnumWrumverWbrfumenYargetur. =   BankaeftirlitinuerheimiltaWsetjareglursemheimilaverWbrfasj;WumaWfjrfestaalltaW10%afeignumsnumskuldaskjlumsemtalinerujafngildaframseljanlegumverWbrfum,eruauWseljanlegogmeWverWgildisemkvarWamhvenrsemer. =   Heildarfjrfestingskv.2.og3.mgr.maldreifaraframr10%afeignumverWbrfasj;Ws. =   VerWbrfasj;Wumer;heimiltaWfjrfestaeWalmlmumeWaheimildarskrteinumfyrirYeim.H@ll(^  ݀21.gr.HWvir  ݈  VerWbrfasj;WieWaeinstakrideildinnanhanser;heimiltaWfjrfestameiraen10%afeignumsnumverWbrfumtgefnumafsamatgefanda,sbr.Y;22.og23.gr.Fjrfestisj;WurinneWaeinstkdeildhansmeiraen5%verWbrfumtgefnumafsamatgefandaskalsamtalaslkra <.*5 fjrfestingaekkifarayfir40%afeignumsj;Wsins. =   XrttfyrirkvWi1.mgr.erverWbrfasj;WieWaeinstakrideildhansheimiltaWfjrfestaalltaW35%afeignumsnumverWbrfumsemeitteWafleirirkiinnanEvr;pskaefnahagssvWisinseWasveitarflgYeirra,alYj;Wlegarstofnanir,semeitteWafleiriYessararkjaeruaWilaraW,eWarkiutanEvr;pskaefnahagssvWisinsgefateWabyrgjast. =   XrttfyrirkvWi1.mgr.geturbankaeftirlitiWheimilaWverWbrfasj;WiaWfjrfestaalltaW25%afeignumsnumskuldabrfumtgefnumafsamatgefanda,endasumaWrWalnastofnuninnanEvr;pskaefnahagssvWisinssemlUturlgbundnueftirliti.FjrfestiverWbrfasj;Wurmeiraen5%afeignumsnumslkumskuldabrfummsamanlagtverWmtiYeirrafjrfestingaekkinemameiraen80%afeignumsj;Wsins. =   EkkiskaltekiWtillittilverWbrfaskv.2.og3.mgr.YegarfundinersamtalafjrfestingasamkvmtsWarimlsliW1.mgr. =   XrttfyrirkvWi1.!N N 3.mgr.megasamanlagWarfjrfestingarverWbrfasj;WsverWbrfum   tgefnumafsamatgefandaaldreinemameiraen35%afeignumsj;Wsins.H@)^  22.gr.H  ݈  BankaeftirlitiWgeturheimilaWverWbrfasj;WieWaeinstakrideildhansaWfjrfestaalltaW100%afeignumsnumframseljanlegumverWbrfumskv.2.mgr.21.gr.teljibankaeftirlitiWYaWsamrUmanlegthagsmunumeigendahlutdeildarskrteina. =   FjrfestingarverWbrfasj;WseWaeinstakrardeildarhansskv.1.mgr.skuludreifastaWminnstakostisexmismunandiverWbrfaflokkaogmfjrfestingeinumogsamaverWbrfaflokkiekkinemahrrifjrhWensemsvarartil30%afeignumverWbrfasj;WseWaeinstakrardeildarhans. =   BankaeftirlitiWgetursettnnarireglurumfjrfestingusamkvmtYessukvWi.H@)^  23.gr.H  ݈  VerWbrfasj;WieWaeinstkumdeildumhanser;heimiltaWfjrfestameiraensemsvarartil5%afeignumsj;WsinseWadeildarinnarhlutdeildarskrteinumannarraverWbrfasj;WasemuppfyllaskilyrWilagaYessara.X;erbankaeftirlitinuheimiltaWsetjareglurYarsemkveWiWerumrUmrimrk,endas;heimiltaWsetjahlutdeildarskrteinihlutaWeigandisj;WimarkaWutan0slands. =   XrttfyrirkvWi1.mgr.erverWbrfasj;Wi;heimiltaWfjrfestahlutdeildarskrteinumannarraverWbrfasj;Wasemhafasmustj;rneWarekstrarflageWaeruaWWruleytintengdverWbrfasj;Wnum.BankaeftirlitiWgeturY;heimilaWslkafjrfestingusamkvmtreglumsemYaWsetur. =   Rekstrarflagier;heimiltaWleggjagjldeWakostnaWvegnaviWskiptameWhlutdeildarskrteiniverWbrfasj;WsYeimtilvikumYegarhlutieignasj;WsinserfjrfesturhlutdeildarskrteinumWrumverWbrfasj;WisemrekinnerafsamarekstrarflagieWaWruflagisemrekstrarflagiWertengtvegnasameiginlegrarstj;rnareWayfirrWaeWavegnaverulegrarbeinnareWa;beinnareignarhlutdeildar.H@)^  24.gr.H  ݈  VerWbrfasj;WurmekkieignastmeiraenC y $$yC-- ?<<2  2  ڈ.3   0  10%afhlutabrfumnatkvWisrttareinstkuhlutaflagi,$ )    ?<<2  4  ڈ.3   0  10%afskuldaskjlumeinstakratgefendaframseljanlegraverWbrfa,%N!*   } ?<<2  6  ڈ.3   0  10%hlutdeildarskrteinaeinstkumverWbrfasj;WumsemuppfyllaskilyrWilagaYessara. =N&"+      BankaeftirlitinuerheimiltaWsetjareglurumaW1.mgr.takiekkitilframseljanlegraverWbrfasemC y $$yC-- ?<<2  2  ڈ.3   0  rkiinnanEvr;pskaefnahagssvWisinseWasveitarflgYessgefateWabyrgjast,(z$.    ?<<2  4  ڈ.3   0  rkiutanEvr;pskaefnahagssvWisinsgefateWabyrgjast,z)E%/    ?<<2  6  ڈ.3   0  alYj;Wastofnanir,semeitteWafleirirkiEvr;pskaefnahagssvWisinseruaWilaraW,gefat.E*&0   H@)^  25.gr.H   ݈  FarifjrfestingverWbrfasj;WsframrleyfilegummrkumsamkvmtlgumYessumskuluYegargerWarrWstafanirtilrb;taogskallgmltuhmarkijafnannWinnansexmnaWa. q-<)4 BankaeftirlitiWgeturY;einstkumtilvikummltfyrirumlengrifrestendasYaWauglj;slegaYgueigendahlutdeildarskrteina.H@)^  26.gr.H  ݈  VerWbrfasj;WirmegaekkifjrfestafasteignumeWalausafnemaaWYvmarkisemnauWsynlegtervegnastarfsemisj;Wsins. =   XrttfyrirkvWi1.mgr.erverWbrfasj;WumheimiltntakmarkanaaWyfirtakaeignirtilaWtryggjafullnustukrfu.Eignirnarskuluseldarjafnskj;ttogYaWertaliWhagkvmtogeigisWareninnantjnmnaWafryfirtkueignanna.HeimilterY;aWdragaslulengursYaWauglj;slegaYguhagsmunasj;Wsins.SlkandrttslueignaskaltilkynnabankaeftirlitisemgeturYkrafistsluYeirrainnanviWeigandifrests.H@)^  27.gr.H  ݈  VerWbrfasj;Wier;heimiltaWtakalnnemaYeimtilvikumsemhrgreinir:C y $$yC-- ?<<2  2  ڈ.3   0  SkammtmalnalltaW10%afeignumsj;WsinstilaWstandastraumafinnlausn O  hlutdeildarskrteina.     ?<<2  4  ڈ.3   0  LnalltaW10%afeignumsj;WsinstilfjrfestingarfasteignumsemerunauWsynlegarvegna   starfsemisj;Wsins. =       Lnskv.1.mgr.megahstnema15%afeignumverWbrfasj;Ws. =   VerWbrfasj;Wier;heimiltaWveitalneWagangabyrgWfyriraWra.H@)^  28.gr.Hdeil  ݈  UmviWskiptieigenda,stj;rnendaogstarfsmannaverWbrfasj;Ws,vrslufyrirtkisogrekstrarflags,svoogmakaYeirra,skalgtaeftirtalinnaatriWa:C y $$yC-- ?<<2  2  ڈ.3   0  AWviWskiptinsusrstaklegaskrW.=    ?<<2  4  ڈ.3   0  AWstj;rnirfyrirtkjannafikerfisbundnarupplUsingarumviWskiptinogstaWfestiYau. =      FyrirtkinskulusetjasrverklagsreglurumviWskiptiskv.1.mgr.ogskuluYrstaWfestarafbankaeftirlitinu.D@'^  VIII.KAFLID'deil  ݈>@^   rsreikningurogendurskoWun.>2(deil   ݈  F@)^  29.gr.F?)deil  ݈  Stj;rnirverWbrfasj;WsogrekstrarflagshansskulusemjarsreikningfyrirhvertreikningsrsamrmiviWkvWilagaogsamYykkta.rsreikningurskalhafaaWgeymarekstrarreikning,efnahagsreikningogskUringar.EnnfremurskalsemjarsskUrslu.rsreikningurogrsskUrslamyndaeinaheild.ReikningsrverWbrfasj;WseralmanaksriW. =   rsreikningurogrsskUrslaskuluundirrituWafstj;rnumverWbrfasj;Wsogrekstrarflags.Hafieinhverjirstj;rnarmannam;tbrurframaWfragegnrsreikningiskuluYeirundirritameWfyrirvaraoggeraskalgreinfyrirYvrsskUrsluhverseWlisfyrirvarinner. =   FramsetningrsreikningsskalverameWskUrumhttiogsamrmiviWkvWilagaYessaraogreglnasettrasamkvmtYeim. =   rsreikningurskalgefaglggamyndafeignum,skuldum,fjrhagsstWuogrekstrarafkomuverWbrfasj;Ws. =   0rsskUrsluskalkomaframyfirlityfirstarfsemihlutaWeigandiverWbrfasj;Wsrinu,svoogupplUsingarumatriWisemmikilvgeruviWmatfjrhagslegristWusj;WsinsogafkomuhansreikningsrinuenkomaekkiframannarsstaWarrsreikningnum. =   BankaeftirlitinuerheimiltaWsetjannarireglurumgerWrsreiknings.H@)^  30.gr.H8  ݈  rsreikningurverWbrfasj;WsskalendurskoWaWuraflggiltumendurskoWandaeWaendurskoWunarstofu.EndurskoWandimekkisitjastj;rnverWbrfasj;WseWarekstrarflags,verastarfsmaWurYessaraaWilaeWastarfaYguYeirraaWWruenendurskoWun. =   SkylteraWveitaendurskoWandaaWgangaWllumeigum,b;kum,fylgiskjlumogWrum q-<)4 ggnumverWbrfasj;Ws.Jafnframtskulustj;rnogstarfsmennveitaendurskoWandaallarumbeWnarupplUsingarsemunnteraWltat. =   kvWi2.mgr.tekureinnigtilupplUsingaoggagnahjrekstrarflagiogvrslufyrirtkisemnauWsynlegeruvegnaendurskoWunarhjverWbrfasj;Wi.H@)^  31.gr.HpB  ݈  EndurskoWandiskalritarsreikningoggreinafrniWurstWumendurskoWunarinnar.HannskalgefayfirlUsinguumaWrsreikningurhafiveriWendurskoWaWurogaWhannhafiveriWsaminnsamrmiviWkvWilaga,reglnaogsamYykkta.Hannskalltalj;slitrsreikningnumoggreinafrniWurstWumaWWruleyti. =   TeljiendurskoWandiaWrsreikningikomiekkiframYrupplUsingarsemYareigaaWkomaframskalhanngetaYessritunsinniogveitaviWb;tarupplUsingarefYesserkostur.EfrsskUrslahefurekkiaWgeymaYrupplUsingarsemberaWveita,eWaerekkisamrmiviWrsreikning,skuluendurskoWendurvekjaathygliYvritunsinni.AWWruleytigeturendurskoWandigreintfrYeimatriWumritunsinnisemhanntelureWlilegtaWframkomirsreikningi. =   LeiWiendurskoWunlj;sverulegagallarekstriverWbrfasj;WsvarWandiframkvmdrekstrarins,greiWslutryggingareWannuratriWisemveiktgetafjrhagsstWusj;WsinsskalendurskoWandigerastj;rnsj;WsinsviWvart,svoogbankaeftirlitinu,hafihannstWutilaWtlaaWstj;rnendursj;WsinshafiekkirktupplUsingaskyldusnaYessusambandi.  kvWi3.mgr.takatilendurskoWendarekstrarflagsogvrslufyrirtkiseftirYvsemviWgeturtt.H@)^  32.gr.HR  ݈  EndurskoWaWurrsreikningurverWbrfasj;WssamtrsskUrsluskalsendurbankaeftirlitinuinnantudagafrundirritunensWastalagiYremurmnuWumeftirlokreikningsrs.ReikningnumskalfylgjaskUrslalggiltsendurskoWandaYarsemm.a.komiframhvernigtreikningiverWbrfaeignsj;WsinserhttaW.MeginniWurstWurrsreikningaskalbirtaopinberlegaogsamrmduformisembankaeftirlitiWkveWur.SlkarmeginniWurstWurskuluveraaWgengilegaralmenningiogliggjaframmistarfsstWverWbrfasj;Wsogrekstrarflags. =   rsfj;rWungslegtefnahagsyfirlitYvformisembankaeftirlitiWkveWurskaleinnigsentYvogYaWliggjaframmistarfsstWverWbrfasj;Wsogrekstrarflags. =   AukrsreikningsverWbrfasj;WssamkvmtframangreinduskaleinnigsendabankaeftirlitinuendurskoWaWarsreikningavrslufyrirtkisogrekstrarflagseigisWarenYremurmnuWumeftirlokreikningsrs.XessumflgumereinnigskyltaWltaSeWlabanka0slandstYrupplUsingarsemhannYarfaWhaldavegnahagskUrslugerWar,sbr.kvWilagaumSeWlabanka0slands.   $ D@(^  IX.KAFLID;c  ݈>@NN(^   Eftirlit.>c   ݈  F@)^  33.gr.F5d  ݈  BankaeftirlitSeWlabanka0slandshefureftirlitmeWaWstarfsemiverWbrfasj;Wa,rekstrarflagaogvrslufyrirtkjassamrmiviWlgYessi,reglugerWirogreglursettarsamkvmtYeim.SkalbankaeftirlitiWeigaaWgangaWllumggnumogupplUsingumhjYeimaWilum,semlgintakatil,semYaWtelurnauWsynlegvegnaeftirlitsins.UmeftirlitiWgilda,eftirYvsemviWgeturtt,lgumSeWlabanka0slands,svooglgumverWbrfaviWskipti. =   TeljibankaeftirlitiWaWstarfsemiverWbrfasj;Ws,vrslufyrirtkiseWarekstrarflagsbrj;tigegnkvWumlagaYessara,reglugerWaogreglnasettrasamkvmtYeimeWasaWWruleyti;eWlileg,;heilbrigWeWa;traustgeturYaWveittviWkomandihfileganfresttilrb;tanemabrotsualvarleg.D@(^  X.KAFLIDn  ݈>@#^   Afturkllunleyfa.>o   ݈ O  F@)^  34.gr.Fo  ݈  SkylterrWherraaWafturkallastarfsleyfiverWbrfasj;WsC y $$yC-- ?<<2  2  ڈ.3   0  uppfyllileyfishafiekkilengurskilyrWitilaWWlaststarfsleyfi,     ?<<2  4  ڈ.3   0  sbleyfishafatekiWtilgjaldYrotaskiptaeWastarfsemihansslitiW.{    H@)^  35.gr.Ht  ݈  HafiverWbrfasj;Wir,rekstrarflageWavrslufyrirtkistarfsemisinnitrekaWeWameWalvarlegumhttibrotiWgegnkvWumlagaYessara,reglnaeWareglugerWasettrasamkvmtYeimeWastarfsemiYeirraeraWWruleyti;eWlileg,;heilbrigWeWa;traustogkrfumbankaeftirlitsinsskv.2.mgr.33.gr.hefurekkiveriWsinnterrWherraheimiltaWafturkallastarfsleyfiverWbrfasj;WsinsaWfengnumtillgumbankaeftirlitsins. =   Standiyfiropinberranns;knvegnameintsbrotsverWbrfasj;WskvWumlagaYessaraerrWherraheimiltaWsviptasj;Winnstarfsleyfiumstundarsakir.SkalYrWherraskipahlutaWeigandiumsj;naraWilatilbrWabirgWasemgeraskalrWstafanirsemmiWaaWYvaWtryggjahagviWskiptamanna.H@)^  36.gr.H~  ݈  AfturkllunstarfsleyfiverWbrfasj;WsskalrkstuddogtilkynnthlutaWeigandiskriflega.JafnframtskalbirtatilkynninguumafturkllunLgbirtingablaWiogauglUsahanafjlmiWlum. =   AfturkallirWherrastarfsleyfiverWbrfasj;WsendanlegaskalhannskipaskilanefndYriggjamannasemsrumslitsj;WnumeWaflutningstarfsemihanstilannarsverWbrfasj;Ws.D@(^  XI.KAFLIDw  ݈>@xx&^   TmiskvWi.>҃   ݈ !W% F@)^  37.gr.FP  ݈  HyggistverWbrfasj;WurmarkaWssetjahlutdeildarskrteinisneWastofnatibrkiinnanEvr;pskaefnahagssvWisinsskalYaWtilkynntbankaeftirlitinuogeftirlitsaWilaYvlandiYarsemmarkaWssetningeWastofnuntibserfyrirhuguW. =   Leyfitilstarfsemi,erlgYessitakatil,semveitthefurveriWaflgbrumyfirvldumWrurkiinnanEvr;pskaefnahagssvWisins,gildireinnighrlandi.UmstarfsemislkraleyfishafafersamkvmtnnarireglumsemrWherrasetur. =   Umgildileyfatilstarfsemi,semlgYessitakatil,semveitteruaflgbrumyfirvldumrkjautanEvr;pskaefnahagssvWisins,svoogumstarfsemislkraleyfishafahrlandi,fereftirreglumsemrWherrasetur.  +&1 H@)^  38.gr.H  ݈  Stj;rnendurogstarfsmennverWbrfasj;Wa,rekstrarflagaogvrslufyrirtkjaerubundnirYagnarskylduumllviWskiptisemYeirhafamillignguumogalltYaWervarWarhagiviWskiptamannaogYeirWlastvitneskjuumstarfisnuogleyntskalfarasamkvmtlgumeWaeWlimlsnemad;marirskurWiaWskyltsaWveitaupplUsingarfyrird;mieWalgreglueWaskyldastilaWveitaupplUsingarlgumsamkvmt.XagnarskyldanhelstY;ttltiWsafstarfi.H@)^  39.gr.Hk  ݈  KostnaWurviWbirtingartilkynningasamkvmtlgumYessumskalgreiddurafviWkomandiverWbrfasj;Wi.H@)^  40.gr.H^  ݈  ViWskiptarWherrafermeWframkvmdlagaYessara.HonumerheimiltaWkveWannarumframkvmdYeirrameWreglugerW.D@'^  XII.KAFLID)t  ݈>@  (^   ViWurlg.>t   ݈   F@)^  41.gr.F't  ݈  BrotgegnlgumYessumvarWasektumeWafangelsialltaWeinurinemaYyngrirefsingliggiviWbrotisamkvmtalmennumhegningarlgum.SbrotframiWYgulgaWilaerheimiltaWbeitastj;rnendurlgaWilansframangreindumviWurlgumogeinnigerheimiltaWgeralgaWilanumsektogsviptingustarfsrttinda. =   UmtilraunoghlutdeildbrotumsamkvmtlgumYessumfersamkvmtkvWumalmennrahegningarlaga.D@'^  XIII.KAFLID4t  ݈>@'^   Gildistaka.>t   ݈  F@)^  42.gr.F2t  ݈  LgYessiWlastgildi1.jl1993.JafnframtfallaYrgildilgnr.20/1989,umverWbrfaviWskiptiogverWbrfasj;Wi. @!^kvWitilbrWabirgWa. =݈     StarfandiverWbrfasj;WirviWgildistkulagaYessaraskuluhafauppfylltkvWiYeirra `  oghlotiWstarfsleyfirWherraeigisWareneinurieftirgildistkulagaYessara. =   VerWbrfafyrirtkjum,semannastreksturverWbrfasj;WaviWgildistkulagaYessaraoghafameWhndumstarfsemisemlgintakatil,erheimiltaWstundaYstarfsemieittreftirgildistkulagaYessara.RWherrageturveittlengrifrest,Y;ekkilengurensexmnuWi.?~$' &dE@%? $ ) @ ^  &j%{&j%%&j  SamYykktAlYingi25.febrar1993.t  /t  ݈ E*&0