WPC* Squ4<$ tm|}m!oKXj?=Py3.0Rl߫hٙihB^eV 4arɃ &[|MbU%w2We.*p&Q$[wiA\ ˘YSJ}=v=i: 3xjDTBbZO˝4eDI֡Lǡφ?(nLk-&W/kb"aXD[Z)rM$!Y#oy=`FT0630\g:2 ))Ez@_#5!S@a?4j2a )B͏%s'z{ON;Zo j8Irk,MA4B)Qtl$T 0f9BoH.[{axUN % 0# p l/w@^ U: 72! 1uSN4E m 0Z& 09 1 0@ 0 0 0 1q 1 1 1   1 05H} 05 0A!!!!!!! 05u& 0w& 0& 0''''''''''''''''' B_(_(_(_(_(_(_(/|((((((((((((((((((((((((((( 0L)(  Z6Times New Roman RegularX(t$ UK \R6&A4\X]XXXTRV6&A4V6&A46&A46&A4T ? XX]0?vvbX0#ggdd  8  d d8ISUS.,    \\app01\AdobePS Tektronix Phaser 7400\\MUNINN\WIN95\COREL8\TEMPLATE\CUSTOMWP\SKJRI~4T.WPT\\MUNINN\WIN95\corel8\Template\CustomWP\Skjritun4.wpt cMdeMfMghEiTjkMl-c$"Small Circle"0 t!UKUS.,TRW<6&A4X3' Letter 6&A43'TX,,XXXTRW<6&A4W<6&A4 6&A4 6&A4T ? _XX,,0?vvbX0#ggdd  8   dd8ISUK,.     _ 4ABCD(%03 7\< _125.lggjafarYing1999!2000. ( Xskj.25"25.ml.     _@ Frumvarptillaga#_ \#   um_innstWutryggingar_Ԁog_tryggingakerfi_Ԁfyrirfjrfesta.   % K #@h h   (Lagt_fyrllllir_Ԁ_AlllllYingi_Ԁ125._lgllllgjafllllarllllYingi_Ԁ1999!2000.)  ݈ %     I.KAFLI     MarkmiWogskipulag.  ^   1.gr. Q)  MarkmiW.     MarkmiWmeWlgumYessumeraWveita_innstWueigendum_Ԁ_viWskiptabnkum_Ԁog   _sparillsj;Wum_ԀogviWskiptavinumfyrirtkjasemnUtasrheimildirlagatilaWstundaviWskipti   meWverWbrf_lgmarksvernd_ԀgegngreiWsluerfiWleikumviWkomandifyrirtkissamrmiviW }U  kvWilagaYessara. H    2.gr.  Stofnun.      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Y!1%     Stj;rnsj;WsinsskalskipuWsexmnnumtiltveggjarasenn._ViWskiptabankar_Ԁtilnefna $"& tvomennstj;rnsj;Wsins,_sparisj;Wir_Ԁeinnmann,fyrirtki_verWbrfaYj;nustu_ԀogaWrirsem "' nUtasrheimildirlagatilaWstundaviWskiptimeWverWbrfsameiginlegaeinnmannog #( _viWllskiptarWherra_Ԁtvomenn.ViWskiptarWherraskiparformannstj;rnar.Varamennskulu $] ) _tilllnefndllir_Ԁsamahtt. P%(!*   & a Stj;rnsj;WsinserheimiltaWrWaframkvmdastj;raviWsj;WinneWasemjaviW_lgaWila_ &!+ umreksturogvrsluhans._LgaWilinn_ԀgeturveriWSeWlabanki0slandsog_vrslufyrirtki_ &",  samkvmtlgumumverWbrfasj;Wi.'a& '#- \< \] \    &   Stj;rnarmennogframkvmdastj;riskuluvera_lgrWa_ԀogmegaaldreihafaveriWsviptir - forrWibisnu.'-ԀXeirskuluhafa;flekkaWmannorWogmegaekkihafahlotiWd;mfyrir  _refsillverWan_ԀverknaWtengslumviWatvinnurekstursamkvmtalmennumhegningarlgumeWa  _lgllllum_Ԁum_hlutaflg_,_einkahlutaflg_,b;khald,rsreikninga,gjaldYroteWaopinbergjld. a   Stj;rnarmennogstarfsmennsj;WsinserubundnirYagnarskyldusamrmiviWkvWi Y, lagaumviWskiptabankaogsparisj;Wi. $   NnarskalkveWiWumverkefnistj;rnarsj;WsinssamYykktumhans.    5.gr.  X AWalfundur. P #      AWalfundskalhaldafyrirlokmarsrhvert.aWalfundiskalleggjaframendurskoWaWan    _rsreikning_ԀogrsskUrslustj;rnar.AWalfundursetursj;WnumsamYykktir.KveWaskalnnar    umverkefni_aWalfunda_ԀsamYykktumsj;WsinssemhWarskulusamYykkirWherraaW   _fengllinni_Ԁumsgn_Fjrmlaeftirlitsins_. |O    Srhvert_aWildarfyrirtki_ԀrtttilsetuaWalfundi.aWalfundifara_viWskiptabankar_ G  _samlltals_ԀmeWsexatkvWi,_sparisj;Wir_ԀmeWYrjatkvWiogfyrirtki_verWbrfaYj;nustu_Ԁog   aWrirsemnUtasrheimildirlagatilaWstundaviWskiptimeWverWbrfmeWYrjatkvWi.Vgi   hvers_aWildarfyrirtkis_Ԁerjafntinnanhversh;ps.TillagatilbreytingasamYykktumsj;Wsins {  Yarffulltingi/  //YsF2sFYGG`3sF3sF`3///hlutaatkvWaaWalfundiogsamYykkirWherra. sF   Stj;rnsj;Wsinsgetur,Yegarhntelurtilefnitil,boWaWll_aWildarfyrirtki_Ԁtilfundar.Skylt > erhenniaWboWatilfundaref_aWildarfyrirtki_ԀmeWsamtalsfj;rWungatkvWaskjaYess.     II.KAFLI r  GreiWslursj;Winn. j=  6.gr. 5 _InnstWudeild_.      Heildareign_innstWudeildar_Ԁsj;WsinsskalaWlgmarkinema1%afmeWaltali_tryggWra_  _innstWna_Ԁ_viWskiptabnkum_Ԁogsparisj;Wum_nstliWnu_Ԁri.Niheildareignekkilgmarki i skv.1.mlsl.skuluallir_viWskiptabankar_Ԁog_sparisj;Wir_ԀgreiWaeigisWaren1.marsrhvert a4 gjaldtilsj;Wsinsernemur0,15%afmeWaltali_tryggWra_Ԁ_innstWna_ԀhlutaWeigandi , _viWskiptallbanka_ԀeWasparisj;Wi_nstliWnu_Ԁri,sbr.Y;_viWmunarmrk_Ԁskv.1.mlsl.Ni  heildareigndeildarinnarsamtekkitilskildulgmarkiskalhver_viWskiptabanki_Ԁogsparisj;Wur  leggjafram_byrgWaryfirlUsingu_ԀfyrirsamahlutfalliYeirrarfjrhWarervantar_lgmarkiW_ `  ognemurhlutfalli_tryggWra_Ԁ_innstWna_ԀhlutaWeigandiafsamanlgWumtryggWum_innstWum_. X+!   NUr_viWskiptabanki_ԀeWasparisj;WurskalgreiWasrstaklegatilsj;Wsins1.marsrhvertfr #" YvaWhannhefurstarfsemihrlandi0,15%afmeWaltali_tryggWra_Ԁ_innstWna_Ԁ_hlutaWlllleigandi_ # viWskiptabankaeWasparisj;Wi_nstliWnu_ԀriYartillgmarkiskv.1.mgr.ernW.AukYess  $ leggurhlutaWeigandi_viWskiptabanki_ԀeWasparisj;Wurfram_byrgWaryfirlUsingu_Ԁerstj;rn !W% sj;WsinsmeturgildafyrirmismungreiWslutilsj;Wsinsoglgmarkiskv.1.mlsl.1.mgr. O""&   GreiWslurtildeildarinnareru_;endurkrfar_. #'   & , 7.gr. $ ) _VerWbrfadeild_. {%N!*     Heildareign_verWbrfadeildar_Ԁsj;WsinsskalaWlgmarkinema100millj.kr. F&"+ _ViWskiptallrWherra_ԀgeturaWfenginnitillgustj;rnar',$:/sj;WsinssamYykktaWaukaeignir '", deildarinnar.Stj;rnsj;WsinsskaltveggjarafrestigerarWherragreinfyrirafstWusinni '#- tilhkkunareignumdeildarinnar,fyrstasinnfyrir1.janar2002. -   Niheildareignsj;Wsinsekkilgmarkiskv.1.mgr.skulu_aWildarfyrirtki_ԀgreiWaeigisWar  en1.marsrhvertgjaldtilsj;Wsinsernemursamtals20millj.kr.,Yartilsj;WurinnhefurnW  _tilskilinni_Ԁ_lgmarksstrW_.GjaldiWsemhvert_aWildarfyrirtki_ԀgreiWirskalmiWastviWhlutYess a samanlgWumfjldastWugilda_aWildarfyrirtkjum_ԀtengslumviWviWskiptimeWverWbrf Y, lok_nstliWins_ԀrsogviWhlutYesssamanlgWumfjldaviWskiptareikningahj $ _aWildarllfyrirlltkjllum_Ԁlok_nstliWins_ԀrstengslumviWviWskiptimeWverWbrfYeim  _hlutllfllum_Ԁsem_kveWlllliW_ԀerumreglugerW.Niheildareigndeildarinnarsamtekkitilskildu   lgmarkiskalhvert_aWildarfyrirtki_Ԁleggjafram_byrgWaryfirlUsingu_ԀfyrirYeimhlutsemupp  X vantar_samllllkvmt_ԀnnarikvWumsemrWherraseturreglugerW. P #    XrttfyrirkvWi1.og2.mgr.erstj;rnsj;WsinsheimiltaWkaupa_vtryggingu_Ԁhj    _viWurllkenndu_Ԁ_vtryggingarflagi_ԀEvr;pska_efnahagssvWinu_ԀtilaWtryggjasiggegntj;ni.    Kaupi_sj;Wllllurinn_Ԁ_vtryggingu_ԀskalY;YaWminnstafj;rWunguraf_lgmarksstrW_Ԁdeildarinnar   skv.1.mgr.veraverWbrfumeWareiWuf. |O    0reglugerWsemrWherraseturskalkveWannarumgreiWslu_aWildarfyrirtkja_Ԁ G  _verWllbrfalldeild_ԀogjafnframtskalreglugerWinnikveWiWumaWkomunUrra_aWildarfyrirtkja_   aW_verWllllbrfadeildinni_ԀoggreiWslurYeirratildeildarinnar.     GreiWslurtildeildarinnareru_;endurkrfar_. {    8.gr. > _Afturkllun_Ԁleyfis.       Nuppfyllir_aWildarfyrirtki_Ԁekkiskyldursnargagnvartsj;Wnumsamkvmtlgum  YessumogreglugerWogskalYstj;rnhanstilkynnaYaWrWherraog_Fjrmlaeftirlitinu_Ԁn r tafar.RWherraskalveitahlutaWeigandi_aWildarfyrirtki_ԀalltaWsexmnaWafresttilrb;ta j= aWfengnuliti_Fjrmlaeftirlitsins_.SurkarstWuraWmatirWherraerhonumheimiltaW 5 _framlllllengja_ԀfrestinnumalltaWsexmnuWitilviWb;tar.    Nrennur_frestur_Ԁskv.1.mgr.tnYessaWhlutaWeigandi_aWildarfyrirtki_Ԁhafiuppfyllt  skyldursnargagnvartsj;WnumoggeturrWherraYafturkallaWstarfsleyfiYessaWfengnu i liti_Fjrmlaeftirlitsins_.Skuldbindingar,semstofnaWertilWuren_frestur_Ԁskv.1.mgr. a4 rennurt,skulunj;ta_tryggingaverndar_ԀsamrmiviWkvWiIII.kafla. ,   kvWi1.og2.mgr.eigaeinnigviWumtiberlendraviWskiptabanka,sparisj;Wa,  _annllarra_Ԁ_lnastofnana_Ԁogfyrirtkja_verWbrfaYj;nustu_ԀsemaWildeigaaWsj;Wnum.Nrennur  _frestllllur_Ԁskv.1.mgr.tYegarumeraWrWatib_aWildarfyrirtkis_ԀmeWstaWfestuWrurki `  innanEvr;pska_efnahagssvWisins_ԀogskalYFjrmlaeftirlitiWbannastarfsemiYesshr X+! landi.XegarumeraWrWa_aWildarfyrirtki_ԀmeWstaWfesturkiutanEvr;pska #" _efnahagsllsvWllisins_ԀskalrWherraafturkallastarfsleyfiYessaWfengnuliti_Fjrmlalllleftirlitsins._Ԁ #   &  III.KAFLI !W%  GreiWslurrsj;Wnum. O""&  9.gr. #' GreiWslurrsj;Wnum. #(     Ner_aWildarfyrirtki_ԀaWliti_Fjrmlaeftirlitsins_ԀekkifrtumaWinnaafhendigreiWslu $ ) andvirWi_innstWu_,verWbrfaeWa_reiWufjr_'!BHԀsemviWskiptavinurhefurkrafiW_aWildarfyrirtki_ {%N!* umendurgreiWslueWaskilsamrmiviWYskilmlaergilda.ErYsj;WnumskyltaW F&"+ greiWaviWskiptavini_aWildarfyrirtkis_ԀandvirWi_innstWu_Ԁr_innstWudeild_ԀogandvirWi '", _verWllbrfa_Ԁog_reiWufjr_ԀtengslumviWviWskiptimeWverWbrfr_verWbrfadeild_. '#- _GreiWsluskylda_Ԁsj;WsinsverWureinnigvirkefb_aWildarfyrirtkis_ԀertekiWtil_gjaldYrotaskipta_ - samrmiviWlgumviWskiptabankaogsparisj;WioglgumverWbrfaviWskipti.    lit_Fjrmlaeftirlitsins_ԀskalliggjafyrireigisWarenYremurvikumeftiraWYaWfrfyrst  staWfestinguYvaWhlutaWeigandi_aWildarfyrirtki_ԀhafiekkigreittviWskiptavinisnumeWa a staWiWskilverWbrfumeinsogYvbaraWgera. Y,   MeW_innstWu_Ԁskv.1.mgr.erttviW_innstWu_Ԁsemtilkominervegna_innlns_ԀeWa $ _millillfrslu_ԀhefWbundinnialmennribankastarfsemiogviWskiptabankaeWasparisj;WiberaW  _endurllllgreiWa_ԀsamkvmtskilmlumergildasamkvmtlgumeWasamningum.Tryggingin   nrhinsvegarekkitilskuldabrfa,vxlaeWaannarrakrafnasemtgefnareruaf  X _viWskiptallbanka_ԀeWasparisj;WiformiverWbrfa. P #    MeWverWbrfumskv.1.mgr.erttviWverWbrfsemeruvrslu,umsj;neWaumsUslu    _aWildarfyrirtkis_ԀogYvberaWendurgreiWaeWastandaskilsamkvmtskilmlumergilda    umsamskipti_aWildarfyrirtkis_Ԁog_fjrfestis_ԀsamkvmtlgumeWasamningum.     MeWreiWufskv.1.mgr.erttviW_innborgaW_ԀreiWuf_fjrfestis_Ԁtil_aWildarfyrirtkis_Ԁ |O  _tengslllum_ԀviWviWskiptimeWverWbrf. G    Undanskilintrygginguskv.1.mgr.eruinnstWur,verWbrfogreiWufeigu   _aWildarllfyrirtkja,_Ԁsvoogm;Wurog_d;tturfyrirtkja_ԀYeirra,fyrirYeirraeiginreikningog   innstWur,verWbrfogreiWufsemtengistmlumYarsemsakfellthefurveriWfyrir {  _peningaYvtti_. sF   NnarskalkveWaumtilhgungreiWslnarsj;WnumreglugerW. >   10.gr.  FjrhWtilgreiWslu. r     NhrkkvaeignirviWkomandideildarsj;WsinsekkitilYessaWgreiWa_heildarfjrhW_ j= _tryggWra_Ԁ_innstWna_,verWbrfaog_reiWufjr_ԀhlutaWeigandi_aWildarfyrirtkjum_ԀogskalY 5 greiWslurhvorrideildskiptYannigmillikrfuhafaaWkrafahversYeirraalltaW1,7millj.  kr.erbttaWfulluenalltsemumframerYessafjrhWskalbtthlutfallslegajafnteftirYv  semeignirhvorrardeildarhrkkvatil.FjrhWYessierbundinviWgengi_evru_Ԁ(_EUR_)miWaW i viW_kaupgengi_Ԁhennar5.janar1999.Sj;WurinnverWurekkisWarkrafinnumfrekarigreiWslu a4 Y;tttj;nkrfuhafahafiekkiveriWbttaWfullu. ,   Hrkkvieignirsj;Wsinsekkitilogstj;rnhanstelurtilYessbrUnastWuerhenniheimilt  aWtakalntilaWgreiWakrfuhfum.    KomitilgreiWslursj;WnumyfirtekurhannkrfukrfuhafahendurhlutaWeigandi `  _aWildarfyrirtki_ԀeWa_Yrotabi_. X+!   & , 11.gr. # Lnmillideilda.  $     Stj;rnsj;WsinserheimiltaWlnaalltaW50millj.kr.milli_innstWudeildar_Ԁog !W% _verWllbrfadeildar._ԀLniWskal_endurgreiWast_Ԁinnan36mnaWa.',y_ԀRWherraerheimiltaWsetja O""& nnarikvWiumlnmillideildareglugerW. #'   12.gr. $ ) Vkjandiln. {%N!*     Sj;WnumerheimiltaWveita_aWildarfyrirtki_Ԁvkjandilnsrstakrideildfyrirslkln, F&"+  YvskyniaWeflaeiginfjrstWuYess,endaverWifjrtilYessaflaWsrstaklegameW_lntku_. '", Stj;rnsj;WsinsgetursettskilyrWifyrir_lnveitingu_,&   svosemaW_lntaki_Ԁafliaukins_eiginfjr_ - eWageriaWrarrWstafanirtilaWstyrkjarekstursinn.'-c  & ,   Stj;rnsj;WsinserheimiltaWltarannsakareksturogefnahag_aWildarfyrirtkja_Ԁsemveitt  ervkjandiln.Stj;rnsj;WsinsgeturYessusambandikrafistnauWsynlegraupplUsingafr a hlutaWeigandi_aWildarfyrirtki_. Y, ',d  _IV_.KAFLI   Erlendtib.    13.gr.  X     BtibumerlendraviWskiptabanka,sparisj;Wa,fyrirtkja_verWbrfaYj;nustu_Ԁog P #  _lnallstofnllana_ԀannarraenviWskiptabankaogsparisj;Wa,semstarfahrlandienhafastaWfestu    WrurkiEvr;pska_efnahagssvWinu_,erheimilaWildaWsj;Wnumvegna_innstWna_,    _verWllbrfa_Ԁog_reiWufjr_ԀsemekkiertryggtsambrileganhttEvr;pska_efnahagssvWinu_.     Erlendtibskv.1.mgr.semhafastaWfestuutanEvr;pska_efnahagssvWisins_Ԁogstarfa |O  hrlandiskuluveraaWilaraWsj;Wnum,endasslkttibekkiaWiliaWsambrilegu G  _tryggllingallkerfi_Ԁheimarkisnu.     RWherrageturreglugerWkveWiWnnarumaWilderlendratibasamkvmtYessari   greinaWsj;Wnum,svoogumYr_viWb;tartryggingar_ԀsemtibYurfatilYessaWgetastarfaW {  hrlandi.UmiWgjldoggreiWslurvegnatryggingasamkvmtYessarigreinskalnnar sF kveWiWreglugerW. >   V.KAFLI  Ѐ TmiskvWi. r  14.gr. j= _rsreikningur_ԀogendurskoWun. 5     _Reikningsr_Ԁsj;Wsinsskalvera_almanaksriW_._Lggiltur_Ԁ_endurskoWandi_Ԁsj;Wsinsskal  _kosllinn_ԀaWalfundi.EndurskoWaWur_rsreikningur_ԀskalsamYykkturog_ritaWur_Ԁafstj;rnhans  ogstaWfesturafrWherra. i   15.gr. , Eftirlit.      FjrmlaeftirlitiWhefureftirlitmeWaWstarfsemisj;WsinsssamrmiviWlgYessi,  _reglullgerW_ԀogsamYykktirfyrirsj;Winn.UmeftirlitiWgildaaWWruleytilgumopinbert `  _eftirlllit_ԀmeWfjrmlastarfsemi. X+!   & , 16.gr. # ЀSkriflegarupplUsingartilreiWu.  $     _AWildarfyrirtki_Ԁskulu_afgreiWslustWum_ԀsnumhafatilreiWuskriflegarupplUsingarum !W% aWildsnaaWsj;Wnum,umfangtryggingar,',xrԀhvaWaeignireruekkitryggWaroghvertkrfuhafi O""& getisniWsrneiti_aWildarfyrirtki_ԀkrfuhafaumgreiWslu.SkuluupplUsingarveraslensku #' ogvallttilreiWuYannigaWauWveltsaWnlgastYr. #(   AuglUsingar_aWildarfyrirtkja_ԀumaWildaWsj;WnumskulutakmarkaWarviWbeinatilvsun $ ) tilhlutaWeigandideildarhans. {%N!*   17.gr. '", UndanYgafrskattiog_gjaldYrotalgum_. '#-     &  Sj;WurinnerundanYeginn_tekjuskatti_Ԁog_eignarskatti_Ԁsamkvmtlgumumtekjuskattog - eignarskatt.'-v    Sj;WurinnverWurhvorkitekinntil_gjaldYrotaskipta_ԀnerheimiltaWgeraaWfreignum  hans. a   18.gr. $ ReglugerW.      RWherraseturreglugerWnnarikvWiumstarfsemisj;Wsins,m.a.umtilhgun   _greiWslllum_Ԁrsj;Wnum,tryggingu_innstWu_,verWbrfumeWareiWufYegarum  X _sameiginlllegan_ԀreikningeraWrWaeWaYegarviWskiptavinur_aWildarfyrirtkis_Ԁekki P #  ;tvrWanrtttil_innstWu_,verWbrfaog_reiWufjr_Ԁogumvxtuneignumsj;Wsins.      _VI_.KAFLI    _ryggissj;Wir_. |O   19.gr. G      _ViWskiptabnkum_Ԁannarsvegarogsparisj;Wumhinsvegar,meWstaWfestuhrlandi,er   heimiltaWstofnasjlfseignarstofnanir,_ryggissj;Wi_,semallir_viWskiptabankar_ԀeWaallir   _sparillsj;Wir_ԀskuluveraaWilaraWYvskyniaWtryggjahagsmuniviWskiptamannaog {  _fjrhagslllegt_ԀryggiviWskiptabankaeWasparisj;Wa. sF   TilaWtryggjahagsmuniviWskiptamannaogYvskynifjrhagslegtryggiviWskiptabanka > eWa_sparisj;Ws_Ԁgetur_ryggissj;Wur_ԀveittlneWa_yfirtekiW_Ԁvissareignir,gengiWbyrgWir,btt   srstakttapogkostnaWsem_viWskiptabanki_ԀeWasparisj;WurverWurfyrirogveitt  _viWllskiptallbnkum_ԀeWasparisj;WumstuWningaWWruleytihvernYannhttsemstj;rnir r _sj;Wllanna_ԀkveWasamrmiviWkvWilagaYessaraogsamYykktasj;Wsins.0Yessuskyni j= er_ryggisllsj;Wi_ԀheimiltaWltarannsakareksturogefnahagviWskiptabankaeWa_sparisj;Ws_. 5 0_samllllYykktum_Ԁskalsetjannarireglurumstarfsemina,svoogumtekjuroglnveitingar.    _ryggissj;Wi_ԀerennfremurheimiltaWveitaviWskiptabankaeWasparisj;Wivkjandiln  YvskyniaWeflaeiginfjrstWuhans.Stj;rnsj;WsinsgetursettskilyrWifyrirveitingu_vkjllllandi_ i lns.HennierheimiltaWltarannsakareksturogefnahagviWskiptabankaeWa_sparillllsj;Ws_Ԁsem a4 veittervkjandiln.Geturstj;rninYvsambandikrafistnauWsynlegraupplUsingafr , hlutaWeigandiviWskiptabankaeWasparisj;Wi.    AWalfundurfermeWWstavaldmlefnum_ryggissj;Ws_.SrhveraWiliaWsj;Wnumfer  aWalfundimeWatkvWisrttsamrmiviWhlutsinnheildareignumviWskiptabankaeWa `  _sparillsj;Wa._ԀStj;rnsj;WsinsfermeWmlefnihansmilliaWalog_aukafunda_.HnskalskipuW X+! fimmmnnumogskulufj;rirstj;rnarmennogjafnmargirtilvarakjrniraWalfunditileins #" rssenn,hlutbundinnikosninguef;skaWer.RWherratilnefnireinnmannogskalhann # _tilllnefndllur_ԀtilYriggjarasenn.NnarskalkveWiWumskipanogverkefnistj;rnar  $ _samllYykktum._Ԁ !W%   Stj;rnarmennogstarfsmenn_ryggissj;Wa_ԀerubundnirYagnarskyldusamrmiviWkvWi O""& lagaumviWskiptabankaogsparisj;Wi. #'   _ryggissj;Wur_ԀerundanYeginn_tekjuskatti_Ԁog_eignarskatti_Ԁsamkvmtlgumumtekjuskatt #( ogeignarskatt.Sj;WurinnverWurhvorkitekinntil_gjaldYrotaskipta_ԀnerheimiltaWgeraaWfr $ ) eignumhans. {%N!*   AWalfundursetur_ryggissj;Wi_ԀsamYykktirsemhWarskulustaWfestingurWherraaW F&"+ _fengllinni_Ԁumsgn_Fjrmlaeftirlitsins_.FjrmlaeftirlitiWhefureftirlitmeWstarfsemi '", _ryggissj;Wa_.UmeftirlitiWgildaaWWruleytilgumopinberteftirlitmeWfjrmlastarfsemi. '#- Ї  &  _VII_.KAFLI -  _Gildistaka_Ԁo.fl.   20.gr.      LgYessiWlastgildi1.janar2000.Sj;WurinnyfirtekurYeignirogskuldir a _Tryggingarllsj;Ws_ԀviWskiptabankaog_innstWudeildar_Ԁ_Tryggingarsj;Ws_Ԁsparisj;WasemlagWir Y, verWaniWurfrsamatma.'- $   Haldaskal_stofnfund_Ԁfyrir31.desember1999YarsemsettarerusamYykktirfyrirsj;Winn,  sbr.5.gr.kvWiYessararmlsgreinartekurYegargildi.     MeWlgumYessumfallargildikvWiX.kafla(75.!81.gr.)laganr.113/1996,um  X viWskiptabankaogsparisj;Wi. P #      21.gr.        LgYessierusettsamrmiviWkvarWanirsameiginleguEESnefndarinnarnr.18/1994   ognr.12/1998ogtilYessaWtakauppinnlendanrttkvWitilskipana_Evr;puYingsins_Ԁog |O  rWsinsnr.19fr1994um_innstWutryggingar_Ԁognr.9fr1997um_tryggingakerfi_Ԁfyrir G  _fjrllfesta._   @ #dggAthugasemdirviW_lagafrumvarp_ԀYetta.#ggd%Ԉ {    FrumvarpYettaersamiWtengslumviWtilskipun_Evr;pusambandsins_Ԁum_tryggingakerfi_ sF fyrirfjrfesta,nr.97/9/EC.TilskipuninkveWurumsamrmdarreglurum_lgmarksvernd_ > fyrirfjrfestasemeigakrfuhendurfyrirtki_verWbrfaYj;nustu_Ԁoglnastofnanir   _tengslllum_ԀviWviWskiptimeWverWbrfgegngreiWsluerfiWleikumviWkomandifyrirtkis.    Tilskipuninkemurframhaldiaftilskipunum_innstWutryggingar_,nr.94/19/EC,semsett r varriW1994.Stilskipuntryggir_innstWueigendur_ԀuppaWvissumarkigegn j= _greiWsluerfiWllleikum_ԀviWskiptabankaogsparisj;Wa.LgumumviWskiptabankaogsparisj;Wi 5 varbreyttriW1996(lgnr.113/1996),m.a.tilaWuppfyllakvWi  _innstWutryggingatilskipunarinnar_.Nstarfatveir_tryggingarsj;Wir_,Tryggingarsj;Wur  viWskiptabankaogTryggingarsj;Wur_sparillllsj;Wa,_Ԁsemtryggja_innstWueigendur_Ԁgegn i greiWsluerfiWleikumogstarfasamkvmtlgumumviWskiptabankaogsparisj;Wi.Sj;Wunum a4 erheimiltaWstarfatveimurdeildum,_innllllstWulllldeild,_ԀsemtryggirinnstWur,og_lnadeild_ , semgeturveittlnYvskyniaWstyWjaviWrekstur_innlnsllllstofnunar._ԀTryggingarsj;Wur  sparisj;WahefurnUttsrYessarheimildirog_starfllllar_Ԁtveimurdeildumenekki  Tryggingarsj;WurviWskiptabanka. `    0frumvarpiYessuerlagttilaWTryggingarsj;WurviWskiptabanka,_innstWudeild_ X+! _Tryggllingarllsj;Ws_Ԁsparisj;WaognUtt_tryggingakerfi_Ԁfyrirfjrfestarennisamaneinnsj;W, #" _Tryggllingarllsj;W_Ԁ_innstWueigenda_Ԁogfjrfesta.MeWYvyrWitileinn_heildstWur_ # tryggingarsj;WursemverndaWi_innstWueigendur_ԀogviWskiptavini_lnastofnana_Ԁogfyrirtkja  $ _verWbrfallllYj;nllllustu_ԀgegngreiWsluerfiWleikumYessarafyrirtkja.HelsturkaWbakislkum !W% samrunaeruaWbankastarfsemiog_verWbrfastarfsemi_ԀerorWinmjgsamofin.Xerhagsttt O""& tfr_tryggllllingarllllfrWilegu_Ԁsj;narmiWiaWstkkasj;WinnogdreifahttuaukYesssem #' _rekstrarllkostnllaWur_ԀyrWiminni.Fl;kiWsamspiltveggjaeWafleirikerfaerheldurekkifUsilegt #( frsj;narmiWi_neytendaverndar_. $ )   MeWfrumvarpinuerlagttilaWnUlgverWisettum_innstWutryggingar_Ԁog_tryggingakerfi_ {%N!* fyrirfjrfestastaWkaflalgumumviWskiptabankaogsparisj;Wium_tryggingarsj;Wi_ F&"+ _innlllnsllstofnana._ԀXettaergertYarsemfyrirtki_verWbrfaYj;nustu_ԀoglnastofnaniraWrar '", en_viWllllskiptabankar_Ԁog_sparisj;Wir_ԀerueinnigaWilaraWsj;Wnum.XaukvWifrumvarpsins '#- semltaaW_innstWutryggingum_ԀeruhinsvegarbyggWngildandikvWumlgumum - _viWllllskiptallllbanka_Ԁogsparisj;Wi.FrumvarpiWeraWnokkrubyggtdnskumlgumenDanir  hafannUlegasamYykktlgsembyggjastsvipaWrihugmyndoghrerlgWtil(_Lov_Ԁ_om_  en_garantifond_Ԁfor_indskydere_Ԁog_investorer_,nr.415af26/06/1998). a   FrumvarpiWersamiWafnefndsemviWskiptarWherraskipaWi6.gst1998tilaWsemja Y, frumvarpsemuppfylltitilskipun_Evr;pusambandsins_Ԁum_tryggingakerfi_Ԁfyrirfjrfesta. $ _Nefndllin_ԀskyldistefnaaWYvaWsameina_innstWutryggingarsj;Wi_Ԁog_tryggingarkerfiW_Ԁfyrir  fjrfestaeinn_tryggingarsj;W_.0nefndinnivoru:Benediktrnason,skrifstofustj;ri   _viWllskiptallrWuneyti,_ԀformaWur,FinnurSveinbjrnsson,framkvmdastj;riSambandsslenskra  X _viWllllskiptallllbanka,_ԀGunnarHelgi_Hlfdnarson_,forstj;ri_Landsbrfa_,PllGunnarPlsson, P #  _forllstj;ri_Ԁ_Fjrmlaeftirlitsins_,SigurWurHafstein,framkvmdastj;riSambandsslenskra    _sparillsj;Wa,_ԀogSveinbjrnHafliWason,_aWallgfrWingur_ԀSeWlabanka0slands.      HelstuefnisatriWifrumvarpsinseruYessi:    "ABC#D$%&(x04ABCD"A0J"  A0Jaa 2"3  Ԉ0    NUrtryggingarsj;Wur,Tryggingarsj;Wur_innstWueigenda_Ԁogfjrfesta,verWurtilmeW |O  sameiningu_Tryggingarsj;Ws_ԀviWskiptabanka,_innstWudeildar_Ԁ_Tryggingarsj;Ws_ G  _sparillsj;Wa_ԀognUs_tryggingakerfis_Ԁfyrirfjrfesta.A0J*݌  Ќ  "A0J"  A0Jaa 2"3  Ԉ0    Sj;WurinnverWur_sjlfseignarstofnun_ԀmeWsexmannastj;rnogstarfartveimur   _sjlfllstWum_Ԁdeildum,_innstWudeild_Ԁog_verWbrfadeild_.HeimilteraWlnafmilli {  _deildllanna_ԀaWvissumarki.A0J݌sF Ќ  "A0J"  A0J@aa 2"3  Ԉ0    Heildareign_innstWudeildar_Ԁsj;Wsinsskalvalltnema_a.m.k._Ԁ1%afmeWaltali_tryggWra_ > _innstWna_Ԁ_viWskiptabnkum_Ԁogsparisj;Wum.Eignir_verWbrfadeildar_Ԁskuluvera_a.m.k._   100millj.kr.A0J@m݌ Ќ  "A0J"  A0Jaa 2"3  Ԉ0    ViWskiptavinur_aWildarfyrirtkis_ԀgeturkrafiWsj;WinnumgreiWslu_innstWu_,verWbrfa r og_reiWufjr_ԀsemhannhefurkrafiW_aWildarfyrirtki_ԀumendurgreiWslusamrmiviW j= Yskilmlaergildaog_aWildarfyrirtkiW_ԀeraWliti_Fjrmlaeftirlitsins_ԀekkifrtumaW 5 innatafarlaustafhendieWannustuframtWvegnagreiWsluerfiWleikaeWaefYaWhefur  veriWtekiWtil_gjaldYrotaskipta_.A0J݌ Ќ  "A0J"  A0Jaa 2"3  Ԉ0    Efeignirsj;WsinshrkkvaekkitilaWgreiWa_heildarfjrhW_Ԁ_tryggWra_Ԁ_innstWna_, i _verWllbrfa_Ԁog_reiWufjr_ԀskalgreiWslursj;WnumskiptYannigmillikrfuhafaaW a4 _heildarkrafa_ԀhversYeirraalltaW1,7millj.kr.verWibttaWfulluenalltsemumframer , YessafjrhWskalbtthlutfallslegajafnteftirYvsemeignirsj;Wsinshrkkvatil.  Sj;WnumerheimiltaWtakalntilaWgreiWakrfuhfumhrkkvieignirsj;Wsinsekkitil.A0J݌ Ќ  "A0J"  A0Jaa 2"3  Ԉ0    LagtertilaW_viWskiptabnkum_Ԁogsparisj;WumverWiheimiltaWstofna `  _sjlfseignarllstofnllanir,_Ԁ_ryggissj;Wi_,semallir_viWskiptabankar_ԀeWaallir_sparisj;Wir_Ԁskulu X+! veraaWilaraWYv& a skyniaWtryggjafjrhagslegtryggiviWskiptabankaogsparisj;Wa. #" Ner_starfllllandi_Ԁ_lnadeild_Ԁ_Tryggingarsj;Ws_Ԁsparisj;Wasemhefursambrilegarheimildir.A0J݌# Ќ  'a#  HelstukvWi_tilskipunar_Ԁum_tryggingakerfi_Ԁfyrirfjrfesta.  !W%     MarkmiWiWmeW_tilskipuninni_ԀeraWkomasamrmdumreglumum_lgmarksvernd_Ԁfyrir O""& fjrfestasemeigakrfuhendurfyrirtkisemhefurstarfsleyfisamkvmttilskipunum #' _fjrllfestingarYj;nustu_ԀsviWi_verWbrfaviWskipta_,nr.93/22/EC,eWahefurheimildtilaWveita #( Yj;nustutengslumviWviWskiptimeWverWbrf.HrerttviWfyrirtki_verWbrfaYj;nustu_ $ ) oglnastofnanir. {%N!*   HafifyrirtkiekkifjrhagslegtbolmagntilaWuppfyllaskuldbindingarsnargagnvart F&"+ _fjrfestum_ԀogverWiaWmati_lgbrra_ԀyfirvaldaekkifrtumaWuppfyllaYrninniframtW '", frhver_fjrfestir_ԀbtursemsvaraaWlgmarkitil20.000_evrum_Ԁsemjafngildirtplega1,6 '#- millj.kr.,efkrafahendurverWbrfafyrirtkinrYeirriupphW.HeimilteraWkveWaaW - bturtakmarkistviWkveWiWhlutfallafkrfuenY;verWuraWbtaminnst90%afkrfum  lgrien20.000_evrur_.JafnframterheimiltaWkveWaaWvissir_fjrfestar_ԀskulitilokaWirfr  tryggingakerfinueWaaWtryggingYeirraskuliveralgri.Hrert.d.ttviWhiWopinberaog a _fagfjrfesta_. Y,   Tilskipuniner_keimlk_Ԁtilskipunum_innstWutryggingar_ԀogmarkmiWiWhiWsama.0 $ _tilllskipuninni_Ԁum_tryggingakerfi_ԀfyrirfjrfestaerkveWiWumaWlnastofnanir,semhafa  _heimllild_ԀtilaWveita_verWbrfaYj;nustu_,falliundir_tilskipunina_.X;erekkinauWsynlegtaWslk   _lnallllstofnun_ԀfalliundirbWikerfinefannaWuppfyllirbWiskilyrWi  X _innstWulltryggingarlltilskipunarinnar_Ԁog_tilskipunar_Ԁum_tryggingakerfi_Ԁfyrirfjrfesta. P #    TilskipuninveitireinungisverndfyrirverWbrfafyrirtkioglnastofnanirsemhafa    heimildirtilviWskiptameWverWbrfsamkvmttilskipunum_verWbrfaYj;nustu_ԀsviWi    _verWllbrfallviWskipta._ԀXaWYUWiraWeigendur_hlutdeildarskrteina_Ԁ_verWbrfasj;Wum_Ԁeruekki   _tryggWllllir._ԀHinsvegareru_hlutdeildarskrteinin_ԀtryggWefYaueruhlutiaf_verWbrfasafni_ |O  _fjrllfestis_Ԁ_fjrvrslu_ԀhjverWbrfafyrirtki. G    EkkierkveWiWumYaW_tilskipuninni_Ԁhvernig_tryggingakerfi_Ԁfyrirfjrfestaskuli   _fjrllmagnaW._ԀX;ersagtaWfyrirtki_verWbrfaYj;nustu_ԀverWiaWjafnaWisjlfaWbera   kostnaWinnviWfjrmgnun_kerfanna_ԀogaWfjrhagsleggeta_kerfanna_ԀverWiaWverasamrmi {  viW_hugsllllanlllllegar_Ԁkrfur.KerfinmegasamtekkistefnastWugleika_fjrmlakerfis_ԀviWkomandi sF _aWildarllllrkis_Ԁhttu. >  _Tryggingakerfi_ԀfyrirfjrfestaEvr;pu.    Tvlndinnan_Evr;pusambandsins_,BretlandogBelga,hafalengirekiW_tryggingakerfi_ r fyrirfjrfesta.Utan_Evr;pusambandsins_ԀhefurNoregur_tryggingarskyldu_Ԁsemsviparum j= margttilYeirrar_starfsbyrgWartryggingar_Ԁsemfyrirtki_verWbrfaYj;nustu_Ԁhrlandihafa. 5 nnurrkihafaveriWaWkomaf;tkerfi,eWaeruaWYvumYessarmundir,semuppfyllir  kvWi_tilskipunar_Ԁ_ESB_.DanirhafatilaWmyndastofnaWnUjansj;Wsembyggistsmu  _hugllmynd_ԀogYettafrumvarp.SvargeraeinnigrWfyrirnnumtengslum i _innstWulltryggingallkerfisins_Ԁog_tryggingakerfis_Ԁfyrirfjrfesta. a4   ӀBretland.      BretarhafarekiW_tryggingakerfi_Ԁfrrinu1988.KerfiWerrekiWafsrstakristofnun,  _Investors_Ԁ_Compensation_Ԁ_Scheme_Ԁ(_ICS_),semhefurumeitthundraWstarfsmenn. `  _Meginllhlutverk_Ԁ_ICS_ԀeraWverndafjrfestagegngreiWsluerfiWleikum_verWbrfafyrirtkja_Ԁlkt X+! og_tilllllskipun_Ԁ_ESB_.KerfiWveitirY;munvWtkari_tryggingarvernd_Ԁentilskipunin.Tildmis #" _verndllllar_ԀYaWfjrfestafyrirslmrirWgjf_verWbrfafyrirtkja_Ԁog_lgmarksvernd_Ԁermun # hrri.  $   _ICS_Ԁtryggirfyrstu3,4millj.kr.hverseinstaklingsog90%afnstu2,3millj.kr. !W% _Hmarksllvernd_ԀhverseinstaklingserYv5,7millj.kr.YeimtmasemfrumvarpiWerlagt O""& fram.KerfiWerfjrmagnaWmeWgjaldillverWbrfafyrirtkienYaueruum1.800. #'   KrfumverWbrfafyrirtkihefurfjlgaWfrYvaW_ICS_Ԁt;ktilstarfafyrirratug._ICS_ #( hefuraWjafnaWigreitttum2milljarWakr.sWusturum.EinungisumtundihlutiYeirra $ ) greiWslnaervegnaatvikasemgerWuverndsamkvmttilskipun_ESB_Ԁvirka. {%N!* Belga. '",   0BelguhafaverWbrfafyrirtkiveriWskylduWtilaWgreiWa_tryggingarsj;W_Ԁfrrinu '#- 1990.Trygginginnrtilallrafjrfesta,hvortheldureinstaklingaeWa_stofnanafjrfesta_. - Hstubturfyrirhvernfjrfestieruum5millj.kr.&  HmarksbtursemkerfiWgreiWirt  hverjurieru500millj.kr.'e    _Belgar_ԀmunuYurfaaWgeranokkrarbreytingarkerfinutilaWuppfyllaskilyrWi a _tilskipllunllarllinnar,_Ԁm.a.aWafnemahmarkYesssemkerfiWgreiWirthverjuri. Y, Noregur.    Fr1985hefurveriWgildireglugerWNoregiumverndviWskiptavina_verWbrfafyrirlllltkja_   semhefurstoWlgumumverWbrfaviWskipti.VerWbrfafyrirtkiskululeggjafram  X _vtryggingu_ԀeWa_bankabyrgW_ԀtilaWverndaviWskiptavinigegntj;nisem_verWbrfafyrirtkiW_ P #  veldurYeimmeWstarfsemisinni._Lgmarkstryggingavernd_Ԁfyrirhvernfjrfestierum2millj.    _sl_.kr.fyrirhvert_tj;nsatvik_._VerWbrfafyrirtkjum_ԀerY;heimiltaWsetjahmark    _vlltryggllingu_ԀsemYauaflasr.XaWhmarkmY;ekkiveralgraen250millj._sl_.kr.XaWer   ntilathugunarhvortYettakerfistenstgagnvarttilskipun_ESB_. |O    Vtryggingintekurekkieinungistil_greiWsluYrots_Ԁ_verWbrfafyrirtkis_ԀheldureinnigYess G  aWYaWvaldifjrfesti_skaWab;taskyldu_Ԁtj;ni.ViWskiptavinirsemeigakrfuhendur_Yrotabi_   fyrirtkisvegna_fjrfestingarYj;nustu_Ԁeruekkialmennir_krfuhafar_ԀYrotabheldur   _srtkullmenn_ԀYareWskylteraWhaldaeignumviWskiptamanna_tryggilega_ԀaWgreindumfr {  Wrumeignum. sF Danmrk.     Danirhafaekkihaft_tryggingakerfi_Ԁfyrirfjrfesta.Lgum_tryggingarsj;W_Ԁ_innstWulllleigenda_  ogfjrfestavorusettjn1998.GerterrWfyriraWbreikkagrundvll_tryggingarllllsj;Ws_ r _innlnsstofnana_ԀYannigaWhanntakieinnig_greiWslufalli_Ԁ_verWbrfafyrirtkja_._Samllllkvmt_ j= frumvarpinueru_innstWueigendur_ԀogviWskiptavinir_verWbrfafyrirtkja_ԀtryggWiraW3millj. 5 _sl_.kr.aWhmarkivegna_innstWna_Ԁog_fjrfestingarYj;nustu_.Sj;WurinnskiptistYrennt:  _innlllnsstofnanadeild,_Ԁ_verWbrfafyrirtkjadeild_Ԁog_hsnWisbrfadeild_.HeimilteraWlna  millideildauppaWvissumarkireynist_innstWa_Ԁ_sj;Wsdeild_ԀekkingilegtilaWbtatj;n. i   0athugasemdumviWdanskafrumvarpiWkemurframaWYareWsvomargtslktmeW a4 _innllstWulltryggingarsj;Wnum_ԀogkvWum_tilskipunarinnar_ԀumnUttkerfiseWlilegtaWhafa , _sj;Wllllinn_ԀaWeinseinn.XaWmunilkaleiWatilminnihttuYvaWhndreifistfleiriaWila.X  s_lklllllegt_ԀaWviWskiptavinir_fjrmlafyrirtkja_Ԁvitibeturumrttsinnefeinnsj;Wurtryggir  bWi_innllllstWueigendur_Ԁogfjrfestaeneftegund_fjrmlaYj;nustu_ԀrWurfjldasj;Wa. `    Danir_huguWu_ԀeinnigaWWrummguleikum.XaWvarmat_vinnuh;ps_ԀsemvannaWgerW X+! _tillllagna_Ԁum_tilskipunina_ԀaWtryggingeWabyrgWtryggWiekkifullngjandivernd.Einnigtaldi #" _vinnuh;purinn_ԀaWsrstakursj;WurfyrirverWbrfafyrirtkiYyrftiaWveramunstrrienef # einnsj;Wurtkisameiginlegamlum_innlnsstofnana_Ԁog_verWbrfafyrirtkja_.  $ SvYj;W. O""&   0_nUsamYykktum_ԀlgumumYettaefnikemurframaWstofnaWurverWisrstakur #' _tryggingarllsj;Wur_ԀfyrirverWbrfafyrirtki,enhannverWinnumtengslumviW #( _innstWulltryggingarsj;Wllinn_Ԁogsamastj;rnverWiyfirbWumsj;Wunum.BturgreiWastaW $ ) hmarki2,5millj._sl_.kr.hvernfjrfesti.EkkiergertrWfyrirneinni_sjlfshttu_ {%N!* viWskiptavinarins._Fjrmlallllfyrirtki,_ԀhiWopinberaog_stofnanafjrfestar_Ԁnj;taekki F&"+ _tryggingarverndar_.0fyrstu_hugllllmyndllllum_ԀSvaumstrWsj;WsinsvarmiWaWviWaWsafnaYyrfti '", um3milljrWum_sl_.kr.sj;WtilaWstandaskilYeimkrfumsemkunnaaWfallasj;Winn '#- vegna_Yrots_Ԁ_verWbrfallllfyrirlllltkja._Ԁ -  Bturtil_innstWueigenda_Ԁogfjrfesta0slandi.    AlYingihefursettkvWiYrennlgumbturtil_innstWueigenda_Ԁogfjrfestasemeru a viWskiptumviW_innlnastofnanir_Ԁogfyrirtki_verWbrfaYj;nustu_: Y, ! ! +(uh8x"ABC#D$%&"A0J"  A0J~2uh  1  .3  Ԉ0    _InnstWutryggingar_,sbr.X.kaflalaganr.113/1996,umviWskiptabankaogsparisj;Wi, $ enskaflifjallarum_tryggingarsj;Wi_Ԁ_innlnsstofnana_.A0J~݌ Ќ  "A0J"  A0Jn 2uh  2  .3  Ԉ0    _Tryggingarskylda_Ԁfyrirtkja_verWbrfaYj;nustu_,sbr.3.gr.laganr.13/1996,umverW   brfaviWskipti,ogreglugerWnr.361/1993,um_tryggingarskyldu_Ԁvegna  X _verWbrfallmiWlllunar_Ԁog_verWbrfaviWskipta_.A0Jn  ݌P #  Ќ  "A0J"  A0J 2uh  3  .3  Ԉ0    SkaWabturvegnamistaka_verWbrfamiWstWva_Ԁog_reikningsstofnana_,sbr.lgnr.131/    1997,um_rafrna_Ԁ_eignarskrningu_ԀverWbrfa.A0J 8 ݌   Ќ    _InnstWutryggingar_. |O      Tryggingarsj;WurviWskiptabankaogTryggingarsj;Wursparisj;WahafahaftmeWhndum G  _innstWutryggingar_Ԁhrlandi._InnstWueigendur_ԀerutryggWirgegngreiWsluerfiWleikum   bankaogsparisj;WaaWkveWnumarkieinsogkveWiWerumlgumumviWskiptabankaog   sparisj;Wi.LgintakamiWaftilskipun_Evr;pusambandsins_Ԁum_innstWutryggingar_. {    Hlutverk_Tryggingarsj;Ws_ԀviWskiptabankasamkvmtlgunumeraWtryggja sF _innstWulleigllanda_ԀskilgreiWslu_innstWu_ԀsemhannhefurkrafistendurgreiWsluog > _viWskiptabanki_ԀeWatibgeturekki_innt_Ԁafhendi.Meginhlutverk_Tryggingarsj;Ws_Ԁsparisj;Wa   eraWtryggja_fjrllllhagslegt_ԀryggiYeirraogfullskil_innlnsf_ԀviWendurskipulagningueWa  slit_sparisj;Ws_.Tryggingarsj;Wursparisj;Wastarfartveimurdeildum,_innstWudeild_Ԁog r _lnadeild_,en_Tryggingarsj;Wi_ԀviWskiptabankaersamkvmtlgunumheimiltaWstofna j= _lnadeild_._Tryggllllingarllllsj;Wunum_ԀerheimiltaWveitavkjandiln. 5   0bWumsj;WunumerutryggWarinnstWursemorWnarerutilvegna_innlna_Ԁinnlendum  eWaerlendumgjaldmiWlieWamillifrsluhefWbundinnialmennribankastarfsemi.Tryggingin  nrekkitilskuldabrfa,vxlaogannarrakrafnasemtgefnareruafviWskiptabankaeWa i sparisj;WiformiverWbrfa. a4   Efeignir_tryggingarsj;Wanna_ԀdugaekkitilaWgreiWa_heildarfjrhW_Ԁ_tryggWra_Ԁ_innstWna_ , skalgreiWslursj;WunumskiptYannigmilli_innstWueigenda_ԀaWsamanlgW_heildarinnstWa_  hvers_innstWueiganda_ԀalltaW1,7millj.kr.erbttaWfulluenYaWsemumframer  _hlutllfallslega_ԀeftirYvsemeignirsj;Wsinshrkkvatil._TryggingarfjrhWin_Ԁtekurtil `  _heildarllinnllstWu_Ԁ_innstWueiganda_Ԁenekkisrhversreikningssemereiguhans. X+! &    SamkvmtgildandilgumskalstefntaWYvaWheildareign_innstWudeilda_ #" _tryggingarllsj;Wanna_Ԁnemi_a.m.k._Ԁ1%afmeWaltali_tryggWra_Ԁ_innstWna_'#Ԁ_viWskiptabnkum_Ԁog # sparisj;Wum_nstliWnu_Ԁri.HafiheildareignekkinWYessulgmarkiskulu_viWskiptabankar_  $ og_sparillllsj;Wir_ԀgreiWagjaldtilsj;Wsinsernemur0,15%afmeWaltali_tryggWra_Ԁ_innstWna_Ԁ !W% _hlutaWlleigandi_ԀviWskiptabankaeWasparisj;Wi.NUr_viWskiptabanki_ԀeWasparisj;WurskalgreiWa O""& 0,15%aftryggWum_innstWum_ԀsjrogleggjaaukYessframyfirlUsinguumaWhanns #' byrgurfyrirmismuninum1%aftryggWum_innstWum_ԀoggreiWslutilsj;Wsins. #( _InnllstWulldeildir_Ԁbeggja_sj;Wanna_ԀhafanW1%_lgmarkinu_._ViWskiptabankar_ԀhafaekkiYurft $ ) aWgreiWatil_Tryggllllingarsj;Ws_ԀviWskiptabankafimmr. {%N!*   Tryggingarsj;WurviWskiptabankavarstofnaWurriW1985semrkisstofnun.Samarvar F&"+ Tryggingarsj;Wursparisj;WagerWuraW_samtryggingarsj;Wi_Ԁogformi_sjlfseignarstofnunar_ '", ensj;Wurinnrekursgusnaafturtilrsins1941.MeWlgumnr.113/1996voru '#- _starfsllheimllildir_Ԁ_sj;Wanna_ԀsamrmdaraWveruleguleytienrekstrarformogeignarhaldYeirra - erY;;lkt.EinsogfyrrsagWierTryggingarsj;WurviWskiptabankarkisstofnun.  ViWskiptarWherraskipartvomennafYremurstj;rnsj;WsinsogSambandslenskra  viWskiptabankaeinn._Tryggllllingarllllsj;Wur_Ԁsparisj;Waerhinsvegar_sjlfseignarstofnun_Ԁogeru a fj;riraffimm_stj;rnarllllmnnllllum_ԀkosniraWalfundiYarsemhveraWiliaWsj;WnumfermeWhlut Y, samrmiviWhlutdeildsnatryggWum_innstWum_.ViWskiptarWherraskiparfimmta $ manninnstj;rnsj;Wsins.    0frumvarpiaWlgumnr.113/1996,umviWskiptabankaogsparisj;Wi,vargertrWfyriraW   _tryggingarsj;Wirnir_ԀtveirsameinuWusteinn_tryggingarsj;W_Ԁ_innlnsstofnana_.Ekkivarhins  X vegar_meirihlutavilji_ԀAlYingifyrirslkribreytingu. P #    0niWurstWunefndarsemfjallaWium_framtWarfyrirkomulag_Ԁ_innstWutrygginga_Ԁhrlandi    riW1994ogvarskipuWfulltrumviWskiptabanka,sparisj;Waogstj;rnvaldasagWi:?Nefndin    _leggllllur_ԀtilaWTryggingarsj;WurviWskiptabankaogTryggingarsj;Wursparisj;Wastarfifram   meW;breyttumhttiaWWruleytienYvsemreynastkannnauWsynlegtvegna_samrmdra_ |O  reglnaum_innstWutryggingar_ԀinnanEvr;pska_efnahagssvWisins_.NefndinleggurmeW G  _Wrllum_ԀorWumtilaWsj;WirnirstarfiaWskildirennumsinn.Hinsvegartelurnefndinmargt   mlameWYvaW_innllllan_ԀnokkurraraverWisj;WirnirsameinaWir.      _Tryggingarskylda_Ԁfyrirtkja_verWbrfaYj;nustu_. sF     0lgumnr.20/1989,umverWbrfaviWskiptiogverWbrfasj;Wi,varfyrstkveWiWumaW > _verWbrfamiWlarar_Ԁskylduaflasr_starfsbyrgWartryggingar_Ԁhj_vtryggingaflagi_ԀeWa   _bankalltryggingar_ԀWurenYeirfengjustarfsleyfi.Trygginginskyldibtatj;ner  _verWbrfallmiWlarar_ԀkynnuaWbakaviWskiptavinummeWstrfumsnum.0athugasemdumviW r frumvarpiWsagWiaWhliWsj;nhefWiveriWhfWafYeim_tryggingum_Ԁsem_fasteignaslum_Ԁvri j= gertaWaflasrtilYessaWWlastleyfitil_fasteignaslu_.NnarikvWivorusettmeW 5 reglugerW.    NUlgumverWbrfaviWskiptivorusamYykktriW1993ogreglugerWbyggWYeimfylgdi  kjlfariW.EnnvorunUlgsamYykktriW1996ennUreglugerWhefurennekkiveriWsett. i _Nllllgildandi_ԀreglugerWum_tryggingarskyldu_Ԁvegna_verWbrfamiWlunar_Ԁog_verWbrfaviWskipta_ a4 erYvnr.361/1993,meWbreytingunr.466/1993. ,   FleiriaWilumenfyrirtkjum_verWbrfaYj;nustu_ԀerskyltlgumsamkvmtaWaflasr  _starfsbyrgWartryggingar_.XarmnefnaendurskoWendur,lgmenn,blasala,  _vtryggingallmiWlllara_Ԁogfasteignasala.Tryggingfyrirtkja_verWbrfaYj;nustu_Ԁer;venju `  vWtk_starfsllllbyrgWllllarlllltrygging_ԀYarsemhntekurekkiaWeinstil_einfalds_Ԁgleysisheldur X+! einnig_st;rllllkostlegs_Ԁgleysisogsetnings._Tryggingarskyldan_Ԁtekurtilallrafyrirtkja #" _verWbrfallYj;nllustu,_ԀY.e.bWi_verWbrfafyrirtkja_Ԁog_verWbrfamiWlana_,ensemdmium # annaW_fyrirllllkomulag_Ԁ&  mnefnaaW_vtryggingamiWlurum_ԀergertskyltaWaflasr  $ _starfsllbyrgWarlltryggingar_ԀY;ttekkisgerWsambrilegkrafa_vtryggingarflg_.' < !W%   0reglugerWum_tryggingarskyldu_ԀerkveWiWum_fjrhWarmrk_._StarfsbyrgWartrygging_ O""& _verWbrfamiWlana_ԀbtiralltaW4,5millj.kr.vegnahverseinstaks_tj;nsatviks_Ԁen #' _heildarllfjrhW_Ԁb;tageturY;ekkiorWiWhrrien13,5millj.kr.tmabilinu.Sambrilegar #( tlurfyrirverWbrfafyrirtkieru9millj.kr.og27millj.kr.,hvorttveggjamiWaWviWverWlag $ ) _rsllllins_Ԁ1993. {%N!*   _StarfsbyrgWartrygging_Ԁfyrirtkja_verWbrfaYj;nustu_ԀveitirviWskiptavinumfyrirtkjanna F&"+ verndgegn_skaWab;taskyldu_Ԁtj;nisemYauerutalinberabyrgW.XessitryggingeraWsumu '", leytivWtkariensverndsemkemurframtilskipun_Evr;pusambandsins_.MarkmiWiWmeW '#- tilskipunum_tryggingarkerfi_ԀfyrirfjrfestaeraWverndaviWskiptavinigegn - _greiWslullerfiWllleikum_Ԁfyrirtkis_verWbrfaYj;nustu_ԀeWa_lnastofnunar_.Ekkikemurtil  _tborgunar_Ԁr_tryggingarllllkerfinu_Ԁfyrrenlj;steraWverWbrfafyrirtkieWa_lnastofnun_Ԁgetur  ekkistaWiWviW_skuldllllbindingar_ԀsnaraWmati_Fjrmlaeftirlitsins_.& a  a _starfsbyrgWartrygginguna_ԀgeturhinsvegarreyntY;aWekkisum_greiWslufall_ԀeWagjaldYrot Y, _verWbrfafyrirtkis_ԀaWrWa.'aE $   Annarveigamikillmunur_starfsbyrgWartryggingunni_Ԁog_tilskipuninni_ԀersaW  _starfsllbyrgWartryggingunni_ԀertiltekiWhmarkvtryggingarfyrirhverteinstakt_tj;nsatvik_Ԁog   fyrirll_tj;nsatvik_Ԁhverjurien_tilskipuninni_ԀerkveWiWum_lgmarksvernd_Ԁfyrirhvern  X _einllllstakan_ԀviWskiptavin.Samkvmt_tilskipuninni_ԀerekkiheimiltaWkveWaum P #  _hmarksfjrhW_.      SkaWabturvegnamistaka_verWbrfamiWstWva_Ԁog_reikningsstofnana_.       0rslok1997vorusamYykktlgum_rafrna_Ԁ_eignarskrningu_ԀverWbrfa. |O  _VerWbrfallmiWllstWvar_ԀfstarfsleyfiviWskiptarWherrasamkvmtlgunum.MeW G  _verWbrfamiWstW_ԀverWur_uppllllgjr_Ԁ_verWbrfaviWskipta_Ԁ_rafrnt_ԀogYarverWaeignirfjrfesta   skrWar_rafrnt_Ԁfyrir_millillllgngu_Ԁ_reikningsstofnana_,Y.e.viWskiptabanka,sparisj;Wa,fyrirtkja   _verWbrfaYj;nustu_,_lnallllstofnana_ԀannarraenviWskiptabankaogsparisj;Wa,SeWlabankansog {  _LnasUslu_Ԁrkisins.VerWbrfsemtekinerutilskrningar_verWbrfamiWstW_ԀverWaekkigefin sF tpapprogeina_lgformlega_Ԁ_skrningin_ԀrttindumeigandansverWur_verWbrfamiWstW_. > StofnaWhefurveriWflagum_verWbrfamiWstW_Ԁhrlandi.     MeWtilkomu_verWbrfamiWstWvar_Ԁmunhttaaf_verWbrfaviWskiptum_Ԁminnkamjg.Hins  vegarermjgmikilvgtaWalmenningureWafyrirtkibWiekkifjrhagslegttj;nefmistk r verWastarfsemihennar.AlmenningurogfyrirtkieigaekkiaWYurfaaW;ttastumryggi j= fjrmunasinna_verWbrfamiWstW_. 5   Samkvmtlgumum_rafrna_Ԁ_eignarskrningu_ԀverWbrfaber_verWbrfamiWstW_Ԁhlutlga  byrgWtj;nisemrakiWverWurtilstarfsemihennartengslumviWtilkynningarum  _skrnllingu,_ԀbreytingareWa_afmningu_ԀrttindareikningimiWstWinni._B;tabyrgW_ԀnrY; i hvorkitiltj;nsvegnaglataWra_viWskiptatkifra_Ԁntiltj;nsvegna;viWrWanlegraytriatvika. a4 Smureglurgildaum_reikningsstofnun_Ԁeftj;nverWurrakiWtilstarfsemihennar.SamanlagWur , _byrgWarllllsj;Wur_Ԁ_verWbrfamiWstWvar_ԀskalaWlgmarkinema650millj.kr.formi_byrgWa_  eWaannanhtt.    Bturfyrirmistkskrningu_verWbrfamiWstW_Ԁerueftiratvikumgreiddaraf `  _verWllbrfallmiWstW_ԀeWa_reikningsstofnun_.Srstakur_byrgWarsj;Wur_Ԁer_verWbrfamiWstW_ X+! vegna_mislllltaka_ԀsemrakinverWatilstarfsemihennar,einsogaWframangreinir,enekkiergerW #" krafalgumumsambrilegansj;W_reikningsstofnana_._Tryggingakerfi_Ԁfyrirfjrfestamun # _samllllkvmt_Ԁtilskipun_ESB_Ԁveita_fjrfestum_ԀkveWna_lgmarksvernd_Ԁeffyrirtki  $ _verWbrfallYj;nllustu_ԀgeturekkiafhentverWbrfsemeruvrsluYessogfyrirtkiWerekki !W% fjrhagslegastakkbiWaWstandaviWskuldbindingarsnar.EkkiskiptirmliYessuefni O""& hvort_verWbrfin_Ԁeru&  _papprsformi_ԀeWa_rafrnni_Ԁvrslu_verWbrfareikningi_Ԁumsj;n #' fyrirtkis_verWllllbrfaYj;nustu.'#]_ #(   LkurgjaldYrotifyrirtkja_verWbrfaYj;nustu_.  {%N!*     X;svoaWtilskipunum_tryggingakerfi_ԀfyrirfjrfestabyggistaWmestuleyti F&"+ _innstWulltryggingatilskipuninni_ԀerY;enguaWsWurveigamikillmunur_innstWum_Ԁog '", viWskiptummeWverWbrf.InnstWurerumeginuppistaWanfjrmgnunbankaogsparisj;Wa '#- ogkomafram_efnahagsreikningi_ԀYeirra.Xessuer;lktfariWhjfyrirtkjum - _verWbrfaYj;nustu_.XaueruoftastaWseljabrfsemgefinerutafYriWjaaWila.VerWbrfsem  tryggWeru_samllllkvmt_Ԁ_tilskipuninnni_ԀkomaYvekkifram_efnahagsreikningi_Ԁfyrirtkja  _verWbrfaYj;nustu_. a   Fyrirtkjum_verWbrfaYj;nustu_Ԁerskyltskv.19.gr.lagaumverWbrfaviWskiptiaWhalda Y, _fjrllllmunum_ԀviWskiptamannasinna_tryggilega_ԀaWgreindumfreignumfyrirtkisins.Fyrirtki $ _verWbrfaYj;nustu_ԀgeturYvorWiWgjaldYrotanYessaWviWskiptavinirfyrirtkisins  _tengslllum_ԀviWviWskiptimeWverWbrftapifjrmunumsnum.TilaWviWskiptavinir   _fyrirlltkisins_ԀtapifjrmunumYurfaaWkomatilst;rkostlegmistkeWasviksamlegtathfi.  X   :gjrningureraWmetalkurgjaldYrotifyrirtkja_verWbrfaYj;nustu_.MeWflugu P #  lgbundnueftirlitiogstrngum_lagaskilyrWum_ԀumeigiWfog_httustUringu_ԀttugjaldYrot    fyrirtkja_verWbrfaYj;nustu_ԀaWveraafarftW.ReynslanannarsstaWarNorWurlndum    bendireinmitttilaWsvos.HinsvegarerekkihgtaWtilokaaWviWskiptavinirgetitapaW   fjrmunumvegna_gjaldYrots_Ԁ_verWbrfafyrirtkis_,enmarkmiW_tilskipunarinnar_ԀeraWvernda |O  fjrfestagegnslku. G    0frumvarpinuergertrWfyriraWeignir_verWbrfadeildar_Ԁsj;WsinsverWi_a.m.k._Ԁ100millj.   kr.TaliWeraWlkuraWviWskiptavinirfyrirtkja_verWbrfaYj;nustu_Ԁtapimeirifjrmunum   gjaldYrotisulitlar.StrWsj;WsinserhlutfallslegasvipuWogsambrilegrasj;Wa {  _Danllmrku_ԀogSvYj;W.RWherrageturaWtillgustj;rnarsj;WsinskveWiWaWaukaeignir sF _verWllbrfadeildar_Ԁsj;Wsins.AukYesserheimiltaWlnamillideildasj;WsinsaWkveWnu > marki.     FjrhagsstaWa_tryggingarsj;Wa_Ԁ_innlnsstofnana_.  r     _Tryggingaskyldar_ԀinnstWur_viWskiptabnkum_Ԁogsparisj;Wumvorusamtalsum208 j= milljarWarkr.rslok1998.0lgumnr.113/1996,umviWskiptabankaogsparisj;Wi,segiraW 5 stefntskuliaWYvaWheildareignir_innstWudeildanna_Ԁsu_a.m.k._Ԁ1%afsamanlgWum  _tryggWllum_Ԁ_innstWum_.Eignir_innstWudeilda_Ԁ_Tryggingarsj;Ws_ԀviWskiptabankaog  _Tryggllingarsj;Ws_Ԁsparisj;Waeruhinsvegarsamtals2.650Ys.kr.eWaum1,27%af i _tryggingastofni_.SamanlagWarinnstWur_innstWudeildum_ԀeruYvvelofanviW_lgbundiW_ a4 lgmark. , @ AthugasemdirviWeinstakargreinarfrumvarpsins.  @ Um1.gr. `    0greininniersettframYaWmarkmiWlagannaaWveita_innstWueigendum_Ԁog_fjrfestum_ X+! _lgmarksvernd_ԀgegngreiWsluerfiWleikumviWkomandifyrirtkis.Xeirsemnj;ta #" _tryggingarllverndar_Ԁeruannarsvegar_innstWueigendur_Ԁbnkumogsparisj;Wum,sbr.kvWi # 9.gr.,oghinsvegarviWskiptavinirfyrirtkjasemnUtasrheimildirlagaum  $ verWbrfaviWskiptitilaWstundaviWskiptimeWverWbrf,sbr.Y;kvWi9.gr.HrerttviW !W% viWskiptamenntengslumviWviWskiptimeWverWbrfenekkialmennabirgjafyrirtkisins. O""& XessifyrirtkigetaveriW_viWskiptabankar_,_sparisj;Wir_,lnastofnaniraWraren_viWskiptabankar_ #' og_sparisj;Wir_,sbr.lgnr.123/1993,ogfyrirtki_verWbrfaYj;nustu_. #(   Um2.gr. {%N!*     GerterrWfyriraWsrstkstofnun,Tryggingarsj;Wur_innstWueigenda_Ԁogfjrfesta,fari F&"+ meWtryggingarsamkvmtlgumYessum.FalliWerfrYvaWnefnasj;WinneftirYeim '", _fyrirlltkjum_ԀsemhanngreiWa,sbr._Tryggingarsj;W_ԀviWskiptabankaog_Tryggingarsj;W_ '#- _sparillsj;Wa,_Ԁensj;WurinnYessstaWnefndureftirYeimsemtryggWirerugegn - greiWsluerfiWleikum_fyrirlllltkjanna._    LagtertilaWsj;WurinnverWi_sjlfseignarstofnun_Ԁeinsog_Trygingarsj;Wur_Ԁsparisj;Waern.  Tryggingarsj;WurviWskiptabankaerhinsvegarrkisstofnun.Framtil1998voru_Landsllllbanki_ a 0slandsog_BnaWarbanki_Ԁ0slandsrkisbankarognuturkisbyrgWar.Neruallir Y, _viWllskiptallbankar_Ԁhinsvegarreknirformihlutaflagaognj;taYvekkirkisbyrgWar.Ekki $ YykirstWatilaWhinnnUitryggingarsj;WurverWirekinnsemrkisstofnun.Xykirfarabest  YvaWsj;WurinnverWirekinnsem_sjlfseignarstofnun_,endakemurYskUrtframaWaWilar   aW_sj;Wnllllum_ԀeigaekkiYaWfsemhonumliggur._Sjlfseignarstofnun_Ԁereinnig_velYekkt_  X _rekstrarllllform_ԀY;ttYaWsreyndarekkivelskilgreintlgum. P #    Um3.gr.        AWilaraWsj;Wnumskulusamkvmtgreininnivera_viWskiptabankar_,_sparisj;Wir_,fyrirtki   _verWbrfaYj;nustu_ԀogaWrirsemnUtasrheimildirlagatilaWstundaviWskiptimeWverWbrf. |O  Allir_viWskiptabankar_,_sparisj;Wir_Ԁogfyrirtki_verWbrfaYj;nustu_ԀskulueigaaWildaW G  _sj;Wnllum_ԀenhinsvegarYykirekkirttaWlnastofnanirsemstarfasamkvmtlgumnr.   123/1993eigiaWildaWsj;WnumnemaYvaWeinsaWviWkomandi_lnastofnun_ԀnUtisr   heimildirlagatilaWstundaverWbrfaviWskipti.SemdmiumaWrarlnastofnanirsemekki {  nUtasrYessarheimildireru_Hafnab;tasj;Wur_Ԁog_Orkusj;Wur_. sF   Um4.gr.       0greininnierkveWiWumskipanoghfistj;rnarogframkvmdastj;ra.01.mgr.ergerW  greinfyrirskipanstj;rnaroglagttilaWstj;rnsj;Wsinsskipisexmanns.LagtertilaW r _aWllildarllfyrirtki_Ԁtilnefnimeirihlutastj;rnsj;Wsins,eWafj;ramenn,enviWskiptarWherra j= tvo.0stj;rn_Tryggingarsj;Ws_ԀviWskiptabankaerunYrrmenn,Yaraftveirtilnefndiraf 5 _viWskiptallrWherra_Ԁogeinnerfr_viWskiptabnkum_.0stj;rn_Tryggingarsj;Ws_Ԁsparisj;Waeru  fimmmanns,fj;rirfrsparisj;WumogeinntilnefndurafviWskiptarWherra.    02.mgr.kemurframheimildstj;rnartilaWrWaframkvmdastj;raviWsj;Winn,eWasemja i viW_lgaWila_Ԁumreksturogvrsluhans.EkkiergertrWfyrirfullustarfi_framllllkvmdallllstj;ra._ a4 UmfangstarfseminnarertiltlulegaltiWmeWanekkikemurtil_tborgunar_Ԁr_sj;Wnllllum_Ԁog , felstaWallegaumsj;nmeW_inngreiWslum_ԀogumsUslumeWverWbrf._Tryggllllingarsj;Wur_  viWskiptabankaernvrsluSeWlabankansenTryggingarsj;Wursparisj;Wavrslu  _sparillsj;Wanna._ `    03.mgr.komafram_hfisskilyrWi_Ԁfyrirstj;rnarmennogframkvmdastj;ra.SkilyrWin X+! 3.mgr.eruhinsmuogframkoma3.mgr.6.gr.lagaumopinbereftirlitmeW #" _fjrllmlallstarfsemi,_Ԁnr.87/1998. #   KveWaskalnnarumverkefnistj;rnarsamYykktum.Semdmiumverkefnisemhgt  $ vriaWkveWaumsamYykktumvriaWgeratillguumrlegtgjald_aWildarfyrirtkja_Ԁtil !W% sj;WsinsogsjuminnheimtuYv,afla_byrgWaryfirlUsinga_Ԁfr_aWildarfyrirtkjum_,taka O""& _kvarWllanir_Ԁumvxtunfsj;Wsins,takakvarWanirumgreiWslurrsj;Wnum,semja #' _rsllreikning,_ԀtakakvarWanirumrekstursj;Wsins,svosemaWrWaframkvmdastj;raeWa #( semja&  viW_lgaWila_Ԁumreksturhans,boWatil_aWalfunda_,geratillgutilrWherraumhkkun $ ) eignum_verWbrfadeildar_ԀogtakakvarWanirsemsnertastarfsemisj;WsinsaWWruleyti.'$ {%N!*   Um5.gr. '",     0greininnierkveWiWumaWalfundi.aWalfundiskalleggjaframendurskoWaWan '#- _rsllreikning_ԀogrsskUrslustj;rnaraukYesssemhannsetursj;WnumsamYykktirsemY;skulu - _hWllllar_ԀsamYykkirWherraaWfenginniumsgn_Fjrmlaeftirlitsins_.Semdmiumverkefni  _aWalfundar_ԀsemhgtvriaWkveWaumsamYykktumeraWleggjafram_rsreikning_  _stj;rnllar,_ԀleggjaframogrWa_rsreikning_,setjasamYykktir,kj;sa_lggiltan_Ԁ_endurskoWanda_ a ogtakauppnnurmlumstarfsemisj;Wsinssem_aWildarfyrirtki_Ԁviljatakaupp. Y,   Srhvert_aWildarfyrirtki_Ԁrtttilsetu_aWildarfundi_.02.mgr.erlUsthvernigatkvWum $ erskiptmillieinstakraflokka_fjrmlafyrirtkja_.GerterrWfyriraW_viWskiptabankar_Ԁfari  meWhelmingatkvWa_aWildarfundi_Ԁog_sparisj;Wir_ԀmeWfj;rWung._ViWskiptabankar_Ԁog   _sparillsj;Wir_ԀmunueigaaWildaWbWumdeildumsj;Wsins,_innstWudeild_Ԁog_verWbrfadeild_.  X _Fyrirlltki_Ԁ_verWbrfaYj;nustu_ԀoglnastofnaniraWraren_viWskiptabankar_Ԁog_sparisj;Wir_Ԁmunu P #  hins_vegllllar_ԀaWeinsgreiWa_verWbrfadeild_Ԁsj;WsinsogerlagttilaWYessifyrirtkifarisaman    meW_fj;rWllllung_ԀatkvWa_aWildarfundi_.        Um6.gr. |O      Greininfjallarum_inngreiWslur_Ԁ_innstWudeild_Ԁsj;WsinsogbyggistllumefnisatriWum G  80.gr.lagaumviWskiptabankaogsparisj;Wi,nr.113/1996.Einsogframkomalmennum   athugasemdumverWurhlutfalleigna_innstWudeild_Ԁsj;Wsinsnokkruhrraen_lgbundiW_Ԁ1%   lgmark.Hlutfalleigna_Tryggingarsj;Ws_ԀviWskiptabankaog_Tryggingarsj;Ws_Ԁsparisj;Waaf {  tryggWumeignumvar1,27%lokrs1998.:lklegterYvaWkomitil_innborgunar_ sF _viWllskiptabanka_Ԁogsparisj;Wa_innstWudeildina_Ԁnstumissirum.0greininnikemur > jafnframtframaWgreiWslurtilsj;Wsinssu_;endurkrfar_.Stj;rnsj;WsinsgeturYvekki   rWstafaWtilbakaYeimhlutaeignadeildarinnarsemerumfram_lgmarkiW_.    EftirfarandierudrgaWkvWumreglugerWarumgreiWslur_innstWudeildina_: r ! ! ,(h88+"A0J"  A0J2h  a  .3  Ԉ0    Heildareign_innstWudeildar_Ԁsj;WsinsskalaWlgmarkinema1%afmeWaltali_tryggWra_ j= _innstWna_Ԁ_viWskiptabnkum_Ԁogsparisj;Wum_nstliWnu_Ԁri.Niheildareignekki 5 lgmarkiskv.1.mlsl.skuluallir_viWskiptabankar_Ԁog_sparisj;Wir_ԀgreiWaeigisWaren1.  marsrhvertgjaldtilsj;Wsinsernemur0,15%afmeWaltali_tryggWra_Ԁ_innstWna_Ԁ  _hlutaWlleigandi_ԀviWskiptabankaeWasparisj;Wi_nstliWnu_Ԁri,sbr.Y;_viWmunarmrk_Ԁskv. i 1.mlsl.A0J݌a4 Ќ  "A0J"  A0Ji2h  b  .3  Ԉ0    Niheildareigndeildarinnarsamtekkitilskildulgmarkiskalhver_viWskiptabanki_Ԁog , sparisj;Wurleggjafram_byrgWaryfirlUsingu_.0yfirlUsingunniskalhver_viWskiptabanki_  ogsparisj;WurbyrgjastaWhannmuniinnaafhendisrstakagreiWslutildeildarinnar  YeimtilvikumsemdeildinniberaWendurgreiWainnstWur,skv._IV_.kafla,einhverjum `  YeimviWskiptabankaeWasparisj;WisemaWildaWsj;Wnum.A0Ji݌X+! Ќ    0     v _byrgWaryfirlUsingin_Ԁskalhlj;WauppsamahlutfallYeirrarfjrhWarervantar #" _lgllmarkiW_Ԁognemurhlutfalli_tryggWra_Ԁ_innstWna_ԀhlutaWeigandiafsamanlgWum # _tryggWllum_Ԁ_innstWum_.Krfurum_innborgun_Ԁdeildinagrundvelli_byrgWaryfirlUsinga_  $ getarihverjuY;ekkiveriWhrriensemnemureinumtundaaf_lgmarksstrW_ !W% sj;Wsins._ViWskiptallllbnkum_Ԁogsparisj;WumerskyltaWinnagreiWslunaafhendiYegar O""& sj;WurinnkrefstYessogframangreindaraWstWurerufyrirhendi.#'   0     v GreiWslurtildeildarinnareru_;endurkrfar_.#( "A0J"  A0J2h  c  .3  Ԉ0    NUr_viWskiptabanki_ԀeWasparisj;WurskalgreiWasrstaklegatildeildarinnar1.marsr $ ) hvertfrYvaWhannhefurstarfsemihrlandi0,15%afmeWaltali_tryggWra_Ԁ_innstWna_ {%N!* hlutaWeigandiviWskiptabankaeWasparisj;Wi_nstliWnu_ԀriYartillgmarkiskv.1. F&"+ mgr.ernW.AukYessleggurhlutaWeigandi_viWskiptabanki_ԀeWasparisj;Wurfram '", _byrgWllarllyfirlUsingu_Ԁerstj;rnsj;WsinsmeturgildafyrirmismungreiWslutilsj;Wsins '#- og_lgllllmarki_Ԁskv.1.mlsl.1.mgr.A0J"݌- Ќ    Um7.gr.      0greininnierkveWiWumaWeignir_verWbrfadeildar_Ԁskulivera_a.m.k._Ԁ100millj.kr.0 a tilskipunum_tryggingakerfi_ԀfyrirfjrfestaerekkigertrWfyrirsamrmingufjrmgnun Y, _tryggingakerfanna_ԀmillilandanheldurerkveWiWumstrWkerfisins.XaWerYvvaldi $ einstakra_aWildarrkja_ԀaWsetjareglurumstrWsj;Wsinsogfjrmgnun.    &  GeramrWfyriraWtryggWverWbrfvrslueWaumsj;n_verWbrfafyrirtkja_Ԁfyrir   _viWllskiptamenn_ԀYeirrahafiveriWum200!210milljarWarkr.' 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'#-   AfYessumskumernauWsynlegtaWfinnaeinhverjanlgunsemaWgagnikemurviWaW - kveWa_inngreiWslur_Ԁ_aWildarfyrirtkja_.RkinfyrirYvaWlagtertilaWfjldistWugildas  notaWursemviWmiWunfyrir_inngreiWslur_ԀeruYauaWvartkemurtilkastadeildarinnarnema  _starfsllllmenn_ԀverWisekirumst;rkostlegmistkeWasviksamlegtathfi.TeljaverWuraWYv a fleirisemstarfsmenn_aWildarfyrirtkis_Ԁeru,YeimmunlklegrasaWeinnYeirramunigerast Y, sekurumsviksamlegtathfiogYarmeWaWtrygginginverWivirk.HrberYessaWgetaaW $ einungisskalteljastarfsmenn_aWildarfyrirtkja_ԀtengslumviWviWskiptimeWverWbrf.Telja  verWureWlilegtaWmiWaviWheildarfjldastWugildafyrirtkjum_verWbrfaYj;nustu_Ԁen   _einungllllis_ԀYstarfsmenn_lnastofnana_ԀsemkomabeintaW_verWbrfaviWskiptum_Ԁ  X _lnallstofnllunum_ԀaWviWbttuhfilegulagi. P #    RkinfyrirYvaWfjldiviWskiptareikningaereinnignotaWursemviWmiWunersaW    _tilllskipunin_Ԁum_tryggingakerfi_Ԁfyrirfjrfestabyggistrttihverseinstaklingstilb;tavegna    greiWsluerfiWleika_aWildarfyrirtkis_.XvYykirrttaWtakamiWaffjldaviWskiptareikninga   _aWildarfyrirtkjum_. |O    03.mgr.kemurframaWsj;WnumsheimiltaWkaupa_vtryggingu_ԀtilaWtryggjasiggegn G  tj;ni.XaWkannaWreynasthentugrikosturaWkaupa_vtryggingu_ԀenaWsafnasj;W.Sjlfsagt   YykiraWstj;rnsj;WsinshafiheimildtilaWtakaYannkostsem_hagkvmastur_ԀYykir.0SvYj;W   erhinnnUitryggingarsj;WurumYessarmundiraWkannahuga_vtryggingaflaga_Ԁslkri {  tryggingu. sF   04.mgr.errWherraveittheimildtilYessaWkvarWameWreglugerWhverniggreiWslum > _aWildarfyrirtkja_ԀverWihttaWoghvernignU_aWildarfyrirtki_Ԁfiinngngu.Eftirfarandieru   drgaWkvWumreglugerWarumgreiWslur_innstWudeildina_.  ! ! -(h88,"A0J"  A0J52h  a  .3  Ԉ0    Heildareign_verWbrfadeildar_Ԁsj;WsinsskalaWlgmarkinema100millj.kr. r _ViWskiptallrWherra_ԀgeturaWfenginnitillgustj;rnarsj;WsinssamYykktaWaukaeignir j= _deildarllllinnar._ԀStj;rnsj;WsinsskaltveggjarafrestigerarWherragreinfyrirafstWu 5 sinnitil_hkkllllunar_Ԁeignumdeildarinnar,fyrstasinnfyrir1.janar2002.A0J5b݌ Ќ    0     v Niheildareignsj;Wsinsekkilgmarkiskv.1.mgr.skulu_aWildarfyrirtki_ԀgreiWaeigi  sWaren1.marsrhvertgjaldtilsj;Wsinsernemursamtals20millj.kr.Yartil_sj;Wllllurinn_ i hefurnW_tilskildri_Ԁ_lgmarksstrW_.a4   0     v GjaldiWsemhvert_aWildarfyrirtki_ԀgreiWirskalmiWastaWhlfuviWhlutYess , _samanlllgWllum_ԀfjldastWugilda_aWildarfyrirtkjum_ԀtengslumviWviWskiptimeW  _verWllbrf_Ԁlok_nstliWins_ԀrsogaWhlfuviWhlutYesssamanlgWumfjlda  _viWskiptallreikninga_Ԁhj_aWildarllllfyrirtkjum_Ԁlok_nstliWins_ԀrstengslumviWviWskipti `  meWverWbrf.FjldiviWskiptareikningaerfundinnmeWYvaWleggjasamanfjlda X+! _viWskiptallmanna_Ԁskv.cliW1._tlul_.ogaogbliW2._tlul_.8.gr.laganr.13/1996. #" ViWskiptamennskv.cliW1._tlul_.ogaliW2._tlul_.hafatvfaltvgi_samtlu_. # ViWskiptamennmeWmeirieignen1,7_milljllll;nir_ԀmiWaWviWgengi_EUR_Ԁ5.janar1999  $ hafatvfaltvgi_samtlu_.!W%   0     v GreiWslurtildeildarinnareru_;endurkrfar_.O""& "A0J"  A0J2h  b  .3  Ԉ0    Niheildareigndeildarinnarsamtekkitilskildulgmarkiskulu_aWildarfyrirtki_ԀsemnUta #' srheimildirlagatilaWstundaviWskiptimeWverWbrfsamrmiviWlgum #( _verWllbrfallviWskipti_Ԁleggjafram_byrgWaryfirlUsingu_.0yfirlUsingunniskalhvert $ ) _aWildarllfyrirlccltkjanna_ԀbyrgjastaWYaWmuniinnaafhendisrstakagreiWslutil {%N!* deildarinnarYeimtilvikumsemdeildinniberaWendurgreiWaviWskiptavinum,skv._IV_. F&"+ kafla,_einllllhverju_Ԁ_aWildarfyrirtki_.A0J݌'", Ќ    0     v _byrgWaryfirlUsingin_Ԁskalhlj;WauppsamahlutfallYeirrarfjrhWarervantar '#- _lgmarkiW_ԀognemurhlutfalligreiWslna_aWildarfyrirtkis_ԀafsamanlgWumgreiWslum - _aWildarfyrirtkja_ԀviWfyrstugreiWslueftiraWlj;steraWheildareigndeildarinnarniekki  tilskildulgmarki._AWildarfyrirtkjum_ԀerskyltaWinnagreiWslunaafhendiYegar  _sj;Wllurinn_ԀkrefstYessogframangreindaraWstWurerufyrirhendi.a "A0J"  A0J2h  c  .3  Ԉ0    XrttfyrirkvWiaogbliWerstj;rnsj;WsinsheimiltaWkaupa_vtryggingu_Ԁhj Y, _viWurllkenndu_Ԁ_vtryggingaflagi_ԀEvr;pska_efnahagssvWinu_ԀtilaWtryggjasiggegntj;ni. $ Kaupisj;Wurinn_vtryggingu_ԀskalY;YaWminnsta&  fj;rWunguraf_lgmarksstrW_  _deildllarinnar_Ԁskv.aliWveraverWbrfumeWareiWuf.'A0J݌  Ќ  "A0J"  A0J02h  d  .3  Ԉ0    NUtt_aWildarfyrirtki_ԀsemnUtirsrheimildirlagatilaWstundaviWskiptimeWverWbrf  X samrmiviWlgumverWbrfaviWskiptiskalgreiWasrstaklegatildeildarinnar1.mars P #  rhvertfimmrfrYvaWYaWhefurstarfsemihrlandiYaWhlutfallaf20millj.kr.    semnemurhlutfalliYesssamanlagWriveltu_aWildarfyrirtkja_Ԁ_verWbrfaviWskiptum_Ԁ    _nstliWnu_ԀriogsamanlgWumfjldaviWskiptareikningahj_aWildarfyrirtkjum_Ԁlok   _nstliWins_ԀrstengslumviWviWskiptimeWverWbrf.GreiWslanskal_innt_Ԁafhendifyrsta |O  sinnfullurieftirupphafstarfseminnar.AukYessleggurhlutaWeigandi_aWildarllllfyrirtki_ G  fram_byrgWaryfirlUsingu_Ԁerstj;rnsj;Wsinsmeturgildafyrirfj;rfaldrigreiWslufyrsta   rsins.A0J0]݌  Ќ    Um8.gr. sF     GreininerefnislegahliWstW81.gr.lagaumviWskiptabankaogsparisj;Wi.LagtertilaW > stj;rnsj;WsinskynnibWirWherraog_Fjrmlaeftirlitnu_Ԁef_aWildarfyrirtki_Ԁuppfyllirekki   skyldursnargagnvartsj;Wnum.      Um9.gr. j=     0greininnierfjallaWumheimildirviWskiptavina_aWildarfyrirtkja_ԀtilaWkrefjasj;Winnum 5 greiWslu.GreininerbyggW1.!3.mgr.78gr.lagaumviWskiptabankaogsparisj;Wi,nr.113/  1996.HeimildirviWskiptavinatilaWkrefjasj;WinnumgreiWslueruY;vWtkarienWurYar  semauk_innstWna_Ԁbnkumogsparisj;WumeruntryggWverWbrfogreiWuftengslum i viWviWskiptimeWverWbrf.ErYaWsamrmiviWtilskipun_ESB_Ԁum_tryggingakerfi_Ԁfyrir a4 _fjrllfesta._ ,   03.mgr.ernnariskilgreiningtryggWum_innstWum_,sbr.2.mgr.78.gr.laganr.  113/1996.VerWbrfteljastekkitil_innstWu_ԀsamkvmtYessarigreinogerYaWsamrmiviW  _innstWutryggingatilskipunina_Ԁsemheimilar_aWildarrkjunum_ԀaW_undanYiggja_Ԁ_tryggllllingllllunni_ `  Umis_innln_,semogtgefinverWbrf. X+!   04.mgr.ernnariskilgreiningtryggWumverWbrfum.TryggWeruverWbrfsemeru #" vrslu,umsj;neWaumsUslu_aWildarfyrirtkis_ԀogYvberaWendurgreiWasamkvmt # _skilllmlum_Ԁergildaumsamskipti_aWildarfyrirtkja_Ԁog_fjrfestis_ԀsamkvmtlgumeWa  $ _samnllingum._ԀHrerttviW_eignaumsUslu_,svosemvegna_fjrvrslu_ԀeWaryggisvrslufjr, !W% semeinkanlegasrstaW_verWbrfafyrirtkjum_.MeWverWbrfumereinnigttviW_rafbrf_, O""& sbr.lgum_rafrna_Ԁ_eignarskrningu_ԀverWbrfa. #' &    05.mgr.ernnariskilgreiningtryggWureiWuf.HrerttviW_innborgaW_ԀreiWuf #( _fjrfestis_Ԁtil_aWildarfyrirtkis_ԀYegarYaWstendurekkiviWskyldusnaum_afhendllll'#ingu_Ԁ_keyptra_ $ ) verWbrfa.HrerttviWkrfursemtilerukomnarvegna_verWbrfamiWlunar_Ԁlnastofnunum {%N!* ogfyrirtkjum_verWbrfaYj;nustu_.SemdmimnefnaaWeinhvertmigeturliWiWfrYv F&"+ aWviWskiptavinurleggurfinnreikning_verWbrfafyrirtkis_ԀogYartileignhanserfrWtil '", b;karfyrirtkinu. '#-   06.mgr.erkveWiWumundanYgurfrtryggingu.Xreruaftvennumtoga.Annarsvegar - eru_undanskildar_ԀinnstWur,verWbrfogreiWufeigu_aWildarfyrirtkja_,svoogm;Wurog  _d;tturfyrirtkja_ԀYeirra,fyrirYeirraeiginreikning.XettaersamrmiviWkvWilagaum  viWskiptabankaogsparisj;Wium_innstWutryggingarsj;Wi_.Xarsem_aWildarfyrirtki_Ԁtakan a ekkieinungistilviWskiptabankaogsparisj;Waheldureinnigtilannarra_lnastofnana_Ԁog Y, _fyrirlltkja_Ԁ_verWbrfaYj;nustu_ԀerumtvkkunYessariundanYguaWrWa.Hinsvegareru $ _undanllllskildar_ԀinnstWur,verWbrfogreiWufsemtengistmlumYarsemsakfellthefurveriW  fyrir_peningaYvtti_.d&  dXessiundanYgaersamrmiviWtilskipanirum_innstWutryggingar_Ԁog   _tryggingakerfi_Ԁfyrirfjrfesta.d' od  X     Um10.gr.        GreininerefnislegahliWstW3.og4.mgr.80.gr.lagaumviWskiptabankaogsparisj;Wi.        Um11.gr. |O      0greininniergertrWfyriraWheimiltsaWlnaalltaW50millj.kr.milli_innstWulllldeildar_ G  og_verWbrfadeildar_.RttYykiraWhafaheimildtilaWaukaeignirannarrar_deildllllarinnar_Ԁefhn   verWureignalausvegna_gjaldYrots_.       Um12.gr. sF     0greininnikemurframheimildfyrirsj;WinntilaWveita_aWildarfyrirtkjum_Ԁvkjandiln. > Samskonarheimilderfyrirhendi79.gr.lagaumviWskiptabankaogsparisj;Wi.Xykir   stWatilaWviWhaldahenni.MeWYvsj;WurinnmguleikaaWgrpafyrrtilaWgerWaog  minnkaYanniglkurnarYvaWkomitil_tgreiWslu_ԀtilviWskiptavina. r     Um13.gr. 5     GreininerefnislegahliWstW77.gr.lagaumviWskiptabankaogsparisj;Winemahntekur  einnigtilannarra_lnastofnana_Ԁogfyrirtkja_verWbrfaYj;nustu_.RttYykiraWtakafram  YessusambandiaWsj;WurinntryggireinniginnstWurviWskiptavinainnlendra i _aWildarllfyrirleeltkja_ԀtibumannarsstaWarEvr;pska_efnahagssvWinu_. a4     Um14.gr.      GreininYarfnastekkiskUringar.    Um15.gr. X+!     0greininnierfjallaWumeftirlitmeWsj;Wnum.0lgumumopinberteftirlitmeW #" _fjrmlallstarfsemi_ԀerkveWiWumhvernig_eftirlitsgjald_ԀskulikvarWaW.Enginn_gjaldstofn_Ԁer # Yar_tilllllgreindur_Ԁfyrir_tryggingarsj;Wi_ԀeWa_ryggissj;Wi_.TeljaverWureWlilegtaWslkirsj;Wi  $ greiWigjaldfyrireftirlitiWogaWgjaldiWgreiWistsamkvmtreikningi. !W%   & a Um16.gr. #'     01.mgr.erkveWiWumaW_aWildarfyrirtki_ԀskulitWhafatilreiWuskriflegarupplUsingar #( umaWildsnaaWsj;Wnum.Sambrileg'a#}$tkvWieraWfinnareglugerWnr.21/1997,um $ ) _Tryggingarlfflsj;W_ԀviWskiptabankaogtilhgungreiWslumr_tryggingarsj;Wum_Ԁ_innlnsllllstofnllllana._ {%N!* XykirrttaWkvWium_upplUsingaskyldu_,semYUWinguhefurfyrir_neytendavernd_,s F&"+ fundinnstaWurlgumfrekarenreglugerW. '",   02.mgr.erkveWiWumaWauglUsingar_aWildarfyrirtkja_ԀumaWildaWsj;Wnumskuli '#- takmrkuWviWbeinatilvsuntilhlutaWeigandideildar.XykirrttaWstemmustiguviWYvaW - _aWildarfyrirtki_ԀnUtisraWildaWsj;Wnum_samkeppnisskyni_.SamsvarandikvWieraW  finnareglugerWnr.21/1997,um_Tryggingarsj;W_ԀviWskiptabankaogtilhgungreiWslumr  _tryggingarsj;Wum_Ԁ_innlnsstofnana_. a h  hi@ttij& a jh&  g'' ghUm17.gr. $ h  h  0greininnierundanYgafr_tekjuskatti_Ԁog_eignarskatti_,gjaldYrotaskiptumogaWfr.g'' gXetta  ersamrmiviW78.gr.lagaumviWskiptabankaogsparisj;Wi,nr.113/1996.j'a$p+j       Um18.gr. P #      GreininYarfnastekkiskUringar.        Um19.gr.       MarkmiWiWmeW_ryggissj;Wum_ԀeraWtryggjahagsmuniviWskiptavinaogfjrhagslegt |O  ryggiviWskiptabankaeWasparisj;Wa.MeWslku_forvarnastarfi_ԀmleiWaaWYvlkumaW G  sWurkomitilkasta_Tryggingarsj;Ws_Ԁ_innstWueigenda_Ԁogfjrfesta.kvWiYessarargreinar   eruekkinUafnlinniYvaWYaueigasrsamsvrunlgumumviWskiptabankaog   _sparillsj;Wi._ԀHeimildirviWskiptabankaogsparisj;WatilaWstofnasjlfseignarstofnanirYessum {  tilgangieruYvfyrirhendigildandilgum.HinsvegarhafaaWeins_sparisj;Wirnir_ԀnUttsr sF Yessiheimild.Srstk_lnadeild_ԀerstarfandiviW_Tryggingarsj;W_Ԁsparisj;Wasemhefur > _svipllaWar_ԀheimildiroghrerulagWartil.EfviljistendurtilYessgeta_sparisj;Wir_ԀYvhaldiW   framstarfsemi_lnadeildarinnar_ԀmeWsvipuWumhttiogveriWhefur._Sparisj;Wirnir_ԀteljaaW  _lnalllldeildin_Ԁhafireynstmjgmikilvg_forvarnastarfi_Ԁfyrir_sparisj;Wina_Ԁlandinu. r   TilviWb;tarviWkvWigildandilagaerveittheimildfyrir_ryggissj;Wi_ԀtilaWrannsaka j= reksturogefnahagviWskiptabankaeWa_sparisj;Ws_ԀtilaWtryggjahagsmuniviWskiptamannaog 5 _fjrhagslllllegt_Ԁryggi.      Um20.gr. i     GreininYarfnastekkiskUringar. a4   Um21.gr.      0_tilskipunum_Ԁum_innstWutryggingar_Ԁog_tryggingakerfi_ԀfyrirfjrfestaerukvWiumaW  _aWildarrkjum_ԀberiskyldatilYessaWsetjalg,semsetterutilYessaWtakauppinnlendan `  rttkvWihennar,tilvsuntilYeirratilskipanasemveriWeraW_lgleiWa_Ԁhverjusinni.0 X+! _greinllinni_ԀeraWfinnatilvsunsamrmiviWframangreintkvWi_tilskipunarinnar_ԀogYarfnast #" hnekkifrekariskUringa. #   O""&  & #  Fylgiskjal. - mAU) d E?) A^m   FjrmlarWuneyti, a fjrlagaskrifstofa: Y, % . %. <  Frumvarptillagaum_innstWutryggingar_Ԁog_tryggingakerfi_Ԁfjrfesta.       MeWfrumvarpiYessuerlagttilaWTryggingarsj;WurviWskiptabanka,_innstWudeild_   _Tryggllingarllllsj;Ws_Ԁsparisj;WaognUtt_tryggingakerfi_Ԁfyrirfjrfestarennisamaneinn'#-:sj;W.  X FrumvarpiWgerirYvrWfyriraWfyrirtki_verWllllbrfaYj;nustu_ԀoglnastofnaniraWraren P #  _viWllskiptabankar_Ԁog_sparisj;Wir_ԀverWieinnigaWilaraWsj;Wnumsemsamkvmt_frumvarpllllinu_    munheitaTryggingarsj;Wur_innstWueigenda_Ԁogfjrfesta.Tilgangurinnerm.a.aWmynda    einn_trygglkklllingarsj;W_Ԁsemverndar_innstWueigendur_Ԁog_viWskiptallllvini_Ԁ_lnastofnllllana_Ԁog   fyrirtkja_verWbrfaYj;nustu_ԀgegngreiWsluerfiWleikumYessarafyrirtkja. |O    FrumvarpiWgerirrWfyriraWTryggingarsj;Wur_innstWueigenda_ԀogfjrfestaverWi G  _sjlfslleignarstofnun_ԀmeWaWildallraviWskiptabanka,sparisj;Wa,_verWbrfafyrirtkja_Ԁog   annarrasemnUtasrheimildirlagatilaWstundaviWskiptimeWverWbrf.GerterrWfyriraW   YessiraWilargreiWi_tryggingarsj;W_,svoogallanstofnogrekstrarkostnaW. {    0aWalatriWumeruefnislegahliWstWkvWinYegarlgumumviWskiptabankaog sF _sparillsj;Wi_ԀoghafaFjrmlaeftirlitiWogviWskiptarWuneytieftirlitmeWframkvmdYeirra > laga.EkkiverWursWaWsamYykktfrumvarpsinsmunileiWatilaukinna_tllllgjalda_Ԁ_rkisllllsj;Ws._