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Nsegir_lnssamningi_,_innlnsskilrki_ԀeWaWrum_gerningi_Ԁslenskumkr;num,gerWum  X fyrirgildistkulagaYessara,aWfjrhWirbreytistmeW_reikningsgengi_Ԁ_SDR_ԀeWa_EUR_Ԁ(_SDR_Ԅ K #  eWa_EUR_Ԅgengisvsitlu)semSeWlabanki0slandsreiknartogbirtirogskalYhverjum    mnuWimiWaWviWopinbert_viWmiWunargengi_Ԁ_EUR_ԀeWa_SDR_Ԁ(_kaupgengi_)skv.15.gr.laganr.    36/1986,umSeWlabanka0slands,21.degiundanfarandimnaWar.NergengiekkiskrW   21.degimnaWarogskalYlagttilgrundvallarYaW_kaupgengi_ԀerskrWvarnstundan wO  Yeimdegi.:heimilteraWtakaviW_innlnum_ԀreikningasemstofnaWirhafaveriWmeWfyrr B  greindumkjrumfyrirgildistkulagaYessara.      V.  {      Vsitala_neysluverWs_,sbr.14.gr.lagaYessara,meWgrunninn100ma1988,skalhverj nF ummnuWi_margflduW_ԀmeW_stuWlinum_Ԁ19,745.Btkoman,naukastafa,skalgildasemvsi 9 talafyrirnstamnuWeftir,fyrstasinnfyriraprl1995gagnvart_fjrskuldbindingum_Ԁsem  samiWhefurveriWumfyrir1.aprl1995ogerumeWkvWumumlnskjaravsitluYsem  SeWlabankinnreiknaWiogbirtimnaWarlegasamkvmtheimild39.gr.laganr.13/1979,um r stj;rnefnahagsmla_o.fl_.,sbr.reglugerWnr.18/1989.Hagstofa0slandsskalbirtamnaWarlega e= _LgbirtingablaWi_Ԁvsitluskv.2._mlsl_.Yessararmlsgreinar. 0   VerWigerWbreytinggrunnivsitlu_neysluverWs_ԀskalHagstofanbirta_LgbirtingablaWi_  _margfeldisstuWul_ԀfyrirYannigbreyttavsitlustaW_stuWulsins_ԀsemgetiWer1.mgr.    kvWi1.og2.mgr.gildaeinnigumlnskjaravsitlulgumoghverskyns_stj;rnvalds i fyrirmlum_ԀWrumogsamningumsemgildieru1.aprl1995. \4 @# _VI_.     Eigiskemurenvikufyrir_gildistkudag_ԀlagaYessaraskalSeWlabankinnbirtadrttarvexti  skv.6.gr. `  @ #dggAthugasemdirviWlagafrumvarpYetta.#ggdhԈ " @# I.  #   Framtilrsins1987vorugildilgnr.58/1960,umbannviW_okri_,drttarvexti_o.fl_.  $ (?_okurlg_ ).SamkvmtkvWumYeirralagaogkvWumlagaumSeWlabanka0slandsfr !W% 1961varbankanumheimiltaWkveWa_lgmarksvexti_Ԁ_innlna_Ԁog_hmarksvexti_Ԁ_tlna_.Vextir J""& almennumviWskiptummannameWalmttuekkiverahrrienalmennirtlnsvextirbanka #' ogsparisj;Wa.SeWlabankinnnUttifyrrgreindalagaheimildogkvaWallaalmennavextiland #( inutilfebrar1984.XheimilaWiSeWlabankinnbnkumogsparisj;WumaWkveWavexti_inn $ ) lna_ԀsembundinvorutilminnstsexmnaWaogvexti_millibankalna_.0gstsamarveitti v%N!* SeWlabankinnsmuaWilumheimildtilaWkveWaallaaWravextienafalmennumsparisj;Ws A&"+ b;kumog_endurseljanlegum_Ԁ_afurWalnum_,drttarvextiogvextiafskuldabrfumsemgefin  '", hfWuveriWtfyrirgildistkuYessararkvrWunar.Veruleghkkun_tlnsvaxta_Ԁbankaog '#- sparisj;WastraxhaustmnuWum1984varWtilYessaWSeWlabankinngreipafturtaumana (z$. rsbyrjun1985oglkkaWivexti_tlna_.HlstYessiskipanframriW1986.0byrjunYess ( rsgengugildinUlgumviWskiptabanka,nr.86/1985,oglgumsparisj;Wi,nr.87/1985.  Hinn1.n;vember1986gengueinniggildinUlgumSeWlabanka0slands,nr.36/1986.MeW  YessarilggjffrWistheimildtilaWkveWavextibankaogsparisj;WatilYeirrasjlfra,aW a YvundanskilduaWdrttarvextiskyldiSeWlabankinnkveWa. T,   riW1987vorusettlgumvextierkomustaWokurlagannafr1960.MeW_vaxtalgum_,  nr.25/1987,varstaWfestalmenntfrelsitilsamningamannamilliumvexti,Y;ekkium  drttarvextisemennerukveWnirafSeWlabankanum.MeW_vaxtalgunum_ԀvarSeWlabankan   umfaliWaWbirtaopinberlegaupplUsingarumvextihjbnkumogsparisj;Wum.Xvarhon  X umfaliWaWkveWadrttarvextiinnantiltekinnamarkaogaWauglUsa_meWalvexti_Ԁ_skulda K #  brfalnum_Ԁbankaogsparisj;WatilalmennrarnotkunarviWskiptalfinu.    @# II.      FrYvaW_vaxtalg_ԀgengugildiogalmennusamningsfrelsiumaWravextiendrttarvexti wO  varkomiWhefurslenskurfjrmagnsmarkaWurtekiWmargvslegumbreytingum.Hrskal B  einungisYeirrahelstugetiW:     Cikm?oAB(y0_ikmo"i0J"  i0J/x 23  Ԉ0    Bankar,_sparisj;Wir_ԀogaWrarhelstulnastofnanirhafatekiWupp_kjrvaxtakerfi_Ԁ_tlna_.   0_kjrvaxtakerfi_Ԁeru_lntakendur_ԀflokkaWirnokkra_kjrvaxtaflokka_Ԁeftirfjrhagslegum {  styrkleikaog_tryggingum_ԀsemYeirgetasettfyrirlnum.Vextirhverjumflokkieru nF kveWnirsemlaghlutaWeigandi_kjrvexti_Ԁ(_grunnvexti_).Jafnframthefurfjlbreytni 9 _innlnsreikninga_Ԁaukist.i0J/x\x݌ Ќ   Cikm?oAB(yyCikm?oAB"i0J"  i0J| 23  Ԉ0    AfnmsWustu_gjaldeyrishaftanna_Ԁrslok1994.XarmeWtengdistslenskurfjrmagns  markaWurerlendum_fjrmagnsmrkuWum_ԀtraustaribndumenWur.i0J||݌r Ќ  "i0J"  i0J^~ 23  Ԉ0    Efling_hlutabrfamarkaWar_Ԁogstofnun_gjaldeyrismarkaWar_.i0J^~~݌e= Ќ  "i0J"  i0J 23  Ԉ0    VerulegaukningfjrfestingaerlendumverWbrfum.i0J݌0 Ќ  "i0J"  i0J 23  Ԉ0    _Lnsfjrflun_Ԁrkissj;WsmeW_markaWstboWum_ԀogsamkomulagfjrmlarWuneytisog  SeWlabankansumaWrkissj;Wuraflisr_lnsfjr_ԀmarkaWientakiekkilnhjSeWla  bankanum.i0Jр݌i Ќ  "i0J"  i0J˂ 23  Ԉ0    AukinherslafyrirtkjaogsveitarflagaaWafla_lnsfjr_ԀmeWsluskuldabrfa_verW \4 brfamarkaWi_ԀstaWhefWbundinna_bankalna_.i0J˂݌' Ќ  "i0J"  i0J 23  Ԉ0    MeWaWildaWEvr;pskaefnahagssvWinuhafaskapastauknirmguleikarerlendra_fjr  mlafyrirtkja_ԀtilaWveitaYj;nustuhrlandi.i0J̈́݌ Ќ  "i0J"  i0J; 23  Ԉ0    S;kninnlendra_lnastofnana_ԀerlendamarkaWimeWstofnuntibaogskrifstofa,stofnun `  _d;tturflaga_ԀogmeWkaupumerlendumbnkum.i0J;h݌S+! Ќ  @yy" III. #   0gst1994skipaWiviWskiptarWherranefndYvskyniaWendurskoWa_vaxtalgin_Ԁfr  $ 1987.0_skipunarbrfi_ԀhennarsagWiaWviWendurskoWun_vaxtalaga_ԀskyldieinkumtekiWmiW !W% afreynslunnifrsetninguYeirra,breytingumfjrmagnsmarkaWiundanfrnumrumog J""& afkvWumhliWstWralagaerlendis.0Yessusambandivrisrstaklegabentfyrirkomulag #' kvrWundrttarvaxta,hvaWavextir_bankakerfinu_ԀSeWlabankinnbirtiropinberlegaog #( hvaWa_meWalvexti_Ԁhannreiknart.Nefndinlaukstrfumokt;ber1995ogskilaWiviWskipta $ ) rWherrafrumvarpitilnUrra_heildarlaga_Ԁumvextiog_verWtryggingu_.FrumvarpiW,meWveru v%N!* legumbreytingum_viWskiptarWuneytis_,varlagtfram122.lggjafarYingi1997!98enhlaut A&"+ ekkiafgreiWslu.  '",   0aprl2000skipaWiviWskiptarWherrafimmmannanefndtilaWendurskoWa_vaxtalg_,nr. '#- 25/1987.Hlutverknefndarinnarsamkvmt_skipunarbrfi_ԀvaraWgeratillguaWbreytingum (z$. _vaxtalgum_ԀtilsamrmisviW_rttarYr;un_ԀerlendiseneinnigaWtryggjarttarryggiogein ( faldleikaframkvmd.NefndinvarYannigskipuW:Benediktrnason,skrifstofustj;ri_viW  skiptarWuneyti_,formaWur,Andrirnasonhrl.,tilnefnduraf_Lgmannaflagi_Ԁ0slands,Bene  diktBogason,skrifstofustj;ri_d;msmlarWuneyti_,tilnefnduraf_d;msmlarWuneyti_,Eirkur a GuWnasonseWlabankastj;ri,tilnefndurafSeWlabanka0slands,ogFinnurSveinbjrnsson,Y T, verandiframkvmdastj;riSambandsslenskraviWskiptabanka,tilnefndurafSambandis  lenskraviWskiptabankaogSambandislenskrasparisj;Wa.StarfsmaWurnefndarinnarvarEy  vindurG.Gunnarsson,YverandilgfrWingur_viWskiptarWuneyti_.Nefndinvareinhuga   afstWusinniaWWruleytienYvaWfulltriSambandsslenskraviWskiptabankaogSambands  X slenskrasparisj;Wavarandsninntakmrkunumfrelsitilsamningaumdrttarvextiog K #  YeimhmlumsemframverWanotkun_verWtryggingar_ԀverWifrumvarpYettaaWlgum.      NefndinbyggWistarfsittaWmikluleytivinnuYeirrarnefndarsemviWskiptarWherra    skipaWigst1994ogfrumvarpiYvsemlagtvarfram122.lggjafarYingi.FrumvarpiW   semhrerlagtframerY;umUmislegt;lktYvfrumvarpi.ViWsamninguYessafrumvarps wO  hefurm.a.veriWtekiWtillittil_umsagna_ԀYeirraaWilasemlitsvarleitaWhjerfrumvarptil B  lagaumvexti,drttarvextiog_verWtryggingu_Ԁvarlagtfram122.lggjafarYingi.Einnighefur    veriWtekiWmiWaftilskipun_Evr;pusambandsins_Ԁnr.35/2000/EB?_Directive_ԀoftheEuropean   _Parliament_Ԁ_and_Ԁthe_Council_Ԁ_on_Ԁ_combating_Ԁ_late_Ԁ_payment_Ԁ_in_Ԁ_commercial_Ԁ_transactions_ . {    ViWskiptarWuneytiWsendi_frumvarpsdrg_Ԁnefndarinnartilumsagnarn;vember2000og nF gerWirfarbreytingarlj;siYeirra_umsagna_ԀsemYvbrust.ShelstaeraWekkierheimilt 9 skv.6.gr.frumvarpsinsaWsemjaum_vanefndalag_Ԁaf_neytendalnum_.  @# _IV_.  r   0stuttumliermeginefnifrumvarpsinsYetta: e=   LagtertilaWnUlgumvextiog_verWtryggingu_ԀkomistaW_vaxtalaganna_Ԁfr1987._Vaxta 0 lgunum_ԀhefurveriWbreyttsjsinnumfrYvaWYauvorusett.FyrstmeWlgumnr.9/1989,  sWanlgumnr.67/1989,lgumnr.19/1991,lgumnr.91/1991,lgumnr.90/1992,lgum  nr.13/1995ogloksmeWlgumnr.22/2000.MeWalannarshefurveriWbttviWYautveimur i nUjumkflum,um_vaxtakjr_Ԁopinberra_fjrfestingarlnasj;Wa_Ԁ(meWlgumnr.67/1989)og \4 um_verWtryggingu_Ԁ_sparifjr_Ԁog_lnsfjr_Ԁ(meWlgumnr.13/1995).NefndinsemvannaWgerW ' frumvarpsinsvarsammlaumaWstWavritilaWbreytafjlmrgumkvWum_vaxtalag  anna_,YarmeWalaWfellaniWurkaflannum_vaxtakjr_Ԁopinberra_fjrfestingarlnasj;Wa_.Til  aWauWveldaumfjllunumefnisatriWiogtryggjainnrasamhengiogrttartilvsanirinnan `  _margbreyttra_ԀlagataldinefndinrttaWleggjatilaWsettyrWunU_heildarlg_ԀstaWlagannafr S+! 1987. "   0frumvarpinuerulagWartileftirfarandi_meginbreytingar_ԀsviWi_vaxtamla_: #  Cikm?oAB(yyCikm?oAB"i0J"  i0JB 23  Ԉ0    LagtertilaWstaWYessaWSeWlabankinn&  ԀkveWieinhliWadrttarvextiafllum_peninga  $ krfum_ԀverWiaWilumheimilt_lnssamn' ingum_ԀaWsemjaumdrttarvextiuppaWvissu !W% marki.SamningsaWilarhafasamkvmtfrumvarpinuheimildtilaWsemjaumtiltekinn J""& fastanhundraWshlutasem_vanefndalag_ԀofankveWinngrunndrttarvaxtasemtekur #' miWafvxtumalgengraskammtmalnaSeWlabankanstil_lnastofnana_.Einniggeta #( samningsaWilarsamiWumfastadrttarvexti.i0JBo݌$ ) Ќ  "i0J"  i0J 23  Ԉ0    LagtertilaWsrregla11.gr.gildandi_vaxtalaga_Ԁumdrttarvextiaf_peningakrfum_Ԁer v%N!* lendrimyntverWiafnuminogYvfariumdrttarvextiafslkumkrfumsamkvmtal A&"+ mennumreglum.stWanfyrirYessari_srreglu_ԀvirWistsaWumrabilfyrirgildistku  '", _vaxtalaga_ԀhafWislenskakr;nanrUrnaWverWigagnvartflestumerlendum_gjaldmiWlum_, '#- einkumvegna_gengisfellinga_.AlmenntvarlitiWYaWsemeinskonar_verWtryggingu_Ԁ_pen (z$. ingakrafna_ԀefYrvoruerlendrimynt.XessaraWstWureruekkilengurfyrirhendiog ( rkinfyrirYvaWhafa_srreglu_Ԁumdrttarvextiaf_peningakrfum_ԀerlendrimynteruYv  ekkilengurtilstaWar.EinnigverWuraWhafahugaaW;sanngjarntgeturveriWaWumhW  drttarvaxtaafkrfuerlendrimyntfarisamkvmtslenskumlgum.stWaYesser a einkumsaWhWdrttarvaxtakrfurslenskumkr;numtekurmiWafstyrkleika T, kr;nunnarhverjumtma.XykirYvrttaWnemargildi_srreglu_Ԁumdrttarvextiaf  _peningakrfum_Ԁerlendrimynt.rttaWskalaWafnmYessarar_srreglu_ԀleiWirekkisjlf  krafatilYessaWumdrttarvextiafYeimfarisamkvmtsmureglumogumdrttarvexti   samkvmt_peningakrfum_Ԁslenskumkr;num,Y.e.6.gr.frumvarpsins.AWraniWur  X stWukannaWleiWaafreglumalYj;Wlegs_einkamlarttar_.XanniggetaaWilarsamiWum K #  aWbeitaskulilgumtiltekinsrkisviWrlausngreinings,m.a.umreglurhvaWarkis    skulilagWartilgrundvallarviWtreikningdrttarvaxta.HafiaWilarekkisamiWumhvers    landslgumbeitaskuliviWrlausngreiningsskeraregluralYj;Wlegs_einkamlarttar_   rumYaWhvaWalggilda,YarmeWalumtreikningdrttarvaxta.i0JD݌wO  Ќ  "i0J"  i0J 23  Ԉ0    LagtertilaWYegarsamningsaWilartilgreinaekki_vaxtaf;t_ԀverWimiWaWviWvextisem B  SeWlabankinnbirtir.SkuluYeirtakamiWaflgstuvxtumnUjum_tlnum_Ԁhj_viW    skiptabnkum_,sparisj;WumogWrumlnastofnunumenekki_veginni_Ԁ_meWalrsvxtun_   afnUjumalmennum_tlnum_Ԁhj_viWskiptabnkum_Ԁogsparisj;Wum.Fyrrgreinduvextirnir {  erulgrienYeirsWarnefndu.RtteraWbendaaWeinungisundantekningartilvikum nF reynirYettakvWi_vaxtalaga_.ReynslanersaWyfirleittereinhver_vaxtaf;tur_Ԁtil 9 greindurefannaWborWerskiliWaWkrafaberivexti.i0J݌ Ќ  "i0J"  i0J 23  Ԉ0    StefnteraWYvmeWfrumvarpinuaWhvetjaaWilatilaWsemjaumkveWnavextisn  milliennotaekkialmennarviWmiWanirviWvextimarkaWnumeinsogntWkast,_t.d._ r _meWalrsvxtun_ԀnUjumalmennum_tlnum_Ԁhjbnkumogsparisj;Wum.Xessir_meWal e= vextir_ԀeruUmsumannmrkumhWir.0fyrstalagihefurorWiWerfiWarafyrirSeWlabank 0 annaWvelja_vogir_ԀtilaWreiknat_meWalvexti_ԀeftirYvsem_kjrvaxtakerfi_Ԁbankaog  sparisj;WahefurorWiW_fjlbreytilegra_.0WrulagieruviWtreikningYessum_meWal  vxtum_ԀnotaWirallirvextiraf_skuldabrfalnum_Ԁbankaogsparisj;Wa,Y.e.lnumlgum i vxtumtil_traustra_ԀaWilameWg;WartryggingaroglnumhumvxtumtilaWilameW \4 lakaritryggingarogallirvextirYarmilli.Xessir_meWalvextir_ԀerusWannotaWirrkum ' mlisamningummannamilliutanbankakerfisinsnYessaWtillitstekiWtilmis  munandiaWstWna_lntakenda_.XettageturYUttaWaWilarsemtakalnutanbankakerfis  insmeWg;Wum_tryggingum_ԀgreiWaraunhrrivextieneWlilegtgeturtalist.Einnigm `  finnadmiumhiWgagnstWa.XverlagttilaWstaWYessaWreiknatogbirta_meWal S+! vexti_Ԁbankaogsparisj;WasemaWilargetanotaWviWskiptumsnmilliverWiSeWlabank " anumfaliWaWbirtavextisemtakamiWaflgstuvxtumnUrra_tlna_ԀviWskiptabanka, # sparisj;Waogannarra_lnastofnana_,Y.e.Yeimvxtumsemlnastofnanirbj;Wa_lnYegum_  $ semYeirteljatrausta.EkkerterYvtilfyrirstWuaWsamiWsumtiltekiWfrvikfrYess !W% umvxtumeftiraWstWumhverjusinni.i0J݌J""& Ќ  "i0J"  i0JR 23  Ԉ0    LagtertilaWfelltverWibrottkvWi_vaxtalaga_ԀumaWssamiWumbreytilegavexti #' samrmiviWhstu_lgleyfWa_ԀvextieWahstuvextimarkaWnumhverjumtmaskuli #( miWaWviWhstugildandivextiafhliWstWumlnumsemerualmennrinotkunhj_viW $ ) skiptabnkum_Ԁogsparisj;WumeinsogYeireruhverjumtma.FyrirYessuerutvenn v%N!* rk.0fyrstalagirkirsamningsfrelsiumvextiogYvengirhstulgleyfWuvextirtil. A&"+ Xessi_hugtakanotkun_ԀerYvreyndekkisamrmiviWraunveruleikann.0WrulagiYykir  '",  eWlilegtaWhvetjaaWilamarkaWnumtilaWsemjaumvextisnmilliennotaekkial '#- mennarviWmiWanirviWvextisemlnastofnanirbj;WaYegarumeraW&   rWa_httusama_ ( _lnveitingu_Ԁ'( aWYeirramati.i0JR݌ Ќ  "i0J"  i0J 23  Ԉ0    LagtertilaWvextiraf_skaWab;takrfum_ԀverWihkkaWirfrYvsemngildir,Y.e.r  _vegnu_ԀmeWaltalivaxtaafalmennum;bundnum_sparisj;Wsreikningum_Ԁhjbnkumog a sparisj;WumtvoYriWjuhlutaYeirravaxtasemSeWlabankinnkveWurogbirtirmeWhliW T, sj;naflgstuvxtumafnUjum_;verWtryggWum_Ԁ_tlnum_Ԁhj_viWskiptabnkum_,spari  sj;WumogWrumlnastofnunum.MiWaWviWnverandi_vaxtastig_ԀmundiYessitillaga  frumvarpsinsleiWatilYessaWvextiraf_skaWab;takrfum_ԀhkkuWur1,4%_u.Y.b._Ԁ9%.i0J.݌  Ќ  "i0J"  i0J 23  Ԉ0    LagtertilaWfelltverWibrottkvWium_vaxtakjr_Ԁopinberra_fjrfestingarlnasj;Wa_.MeW  X 6.gr.laganr.67/1989varbttviW_vaxtalg_Ԁkaflaum_vaxtakjr_Ԁopinberra_fjrfestingar K #  lnasj;Wa_,_IV_.kafla(17.!19.gr.).Starfsemistrstu_sj;Wanna_Ԁvar_stokkuW_ԀuppmeWsam    einingufjgurrasj;Wa_Fjrfestingarbanka_Ԁatvinnulfsinshf.(n_0slandsbanki_ԄFBAhf.)    og_NUskpunarsj;W_Ԁatvinnulfsins.Flestir_fjrfestingarlnasj;Wir_Ԁltansmureglum   og_viWskiptabankar_Ԁog_sparisj;Wir_,sbr.lgnr.123/1993,umlnastofnaniraWrarenviW wO  skiptabankaogsparisj;Wi.XeirmegaY;ekkitakaviW_innlnum_.XvYykir;eWlilegtaW B  srkvWigildium_vaxtakjr_Ԁ_fjrfestingarlnasj;Wa_.i0J݌   Ќ  "i0J"  i0JU 23  Ԉ0    LokserlagttilaW_misneytingarkvWi_Ԁ_vaxtalaga_ԀogkvWiumendurgreiWslu_oftekn   um_ԀvxtumverWiaWmestufelltbrott.kvWiYessieigartursnaraWrekjatilYess {  tmaYegarekkirktifrjlsrWisamningumumvexti.XrffyrirkvWinnYegarfrelsi nF samningumumvextihefurfestsigsessierYvltil.HafaberhugaaWhiWalmenna 9 _misneytingarkvWi_Ԁ253.gr.almennrahegningarlaga,nr.19/1940,viWumsamninga  umvexti.XberaWhafahugaaWlgnr.7/1936,umsamningsgerW,umboWog;gilda  lggerninga,takatilYessarasamninga.i0JU݌r Ќ    V. 0     0frumvarpinueruekkilagWartil_meginbreytingar_Ԁstefnustj;rnvalda_verWtryggingar  mlum_.GerterrWfyriraWheimiltverWiaW_verWtryggja_Ԁsparifoglnsfsgrundvllur  _verWtryggingarinnar_Ԁvsitala_neysluverWs_ԀogSeWlabankinngetikveWiWlgmarkstma_verW i tryggWra_Ԁ_innstWna_Ԁoglna. \4   XrbreytingarsemlagWarerutilaWgerWarverWi_verWtryggingarkafla_Ԁ_vaxtalaga_Ԁerueftir ' farandi:  ! !"i0J"  i0J| 23  Ԉ0    HeimildirtilaWbindaskuldbindingarslenskumkr;numviWgengierlendra_gjaldmiWla_  erufelldarniWur.i0J|݌`  Ќ  "i0J"  i0J 23  Ԉ0    & a TekiWerafskariWumaW_afleiWusamningar_ԀfalliekkiundirkvWilagannaogaW S+! _skuldaskjlum_ԀsheimiltaWmiWaviWvsitlursemekkimlabreytingaralmennu " verWlagimeWsamahttiogvsitala'aSx_neysluverWs_.i0J݌# Ќ  "i0J"  i0J_ 23  Ԉ0    SeWlabankanumverWur&  ԆheimiltenekkiskyltaWkveWalgmarkstma_verWtryggWra_Ԁ_inn  $ stWna_Ԁog' lna.i0J_݌!W% Ќ  "i0J"  i0J 23  Ԉ0    kvWi25.gr._vaxtalaga_ԀumhvaWgeraskuliviWskuldbindingarsemtengdarerulns J""& kjaravsitluverWurfluttbrWabirgWakvWi.i0JB݌#' Ќ  "i0J"  i0J 23  Ԉ0    kvWi24.gr._vaxtalaga_ԀumaW_Fjrmlaeftirlitinu_ԀsheimiltaWsetjareglurumjfnuW #( _verWtryggWra_ԀeignaogskuldaertekiWtr_vaxtalgum_ԀensettYessstaWlgnr.113/ $ ) 1996,umviWskiptabankaogsparisj;Wi.i0J݌v%N!*    A&"+ @ & ,  AthugasemdirviWeinstakargreinarfrumvarpsins. ( @ Um1.gr.    XessigreinafmarkargildissviWlaganna.kvWi1.mgr.samsvararaWmestu1.og2.gr.   gildandi_vaxtalaga_,en',(XtilrttingarskaltekiWframaWlgintakaeinnigtildrttarvaxta.XaW a skaltekiWframaWlgumvextiog_verWtryggingu_ԀerualmennlgogerekkitlaWaWraska T, kvWum_srlaga_Ԁumvexti.    02.mgr.erkveWiWumaWlgintakieinnigtil_verWtryggingar_Ԁ_sparifjr_Ԁog_lnsfjr_Ԁoger  YaWsamrmiviWYbreytingusemgerWvar_vaxtalgum_ԀmeWlgumnr.13/1995.   @ Um2.gr. K #    0Yessari_frumvarpsgrein_ԀkemurframhvaWakvWifrumvarpsinseru_frvkjanleg_.SkUrt    erkveWiWumYaWaWkvWiII.kaflaumalmennavextiog_IV_.kaflaumvextiaf_skaWab;ta    krfum_Ԁsu_frvkjanleg_.XverWureinnigvikiWfrWrumkvWumlagannaeinsogYarseg   ir,enhrerttviW6.og12.gr.frumvarpsins._Frumvarpsgreinin_ԀkemurstaWinnfyrir3.gr. wO  gildandi_vaxtalaga_,enYarsegiraWkvWiII.ogIII.kaflalagannaumkvrWunvaxtagildi B  YvaWeinsaWekkileiWiannaWaflgum,samningumeWavenju.0_rttarframkvmd_Ԁhefurrkt    nokkur;vissaumYaWaWhvaWaleytikvWi_vaxtalaganna_Ԁsu_frvkjanleg_.kvWiWhefur   Y;veriWskUrtsvoaWUmsartakmarkanirsuheimildumtilaWsemjaannanvegenreglur {  III.kaflalagannaumdrttarvextimlafyrirum.XannighefurveriWtaliWaWekkimttivkja nF frreglumkaflansumhWdrttarvaxta,nheldurum_upphafstma_ԀYeirraeWa_vaxtavexti_,ef 9 Yeirsamningarvru_skuldara_Ԁ;hag.    MeWfrumvarpinuerstefntaWYvaWbreytaYessu_rttarstandi_.XykirYvrttaWgerann  argreinfyrirYvaWhvaWaleytitlastertilaWlginsu_frvkjanleg_.MeW2.mgr.6.gr. r frumvarpsinseraWYvstefntaWheimiltsaWsemjaumhWdrttarvaxta,endaY;ttYeirsu e= hrrien_drttarvextir_ԀsemSeWlabanki0slandskveWurskv.1.mgr.6.gr.frumvarpsins.Slkur 0 samningurumdrttarvextifelursrheimildtilhandaaWilumaWsemjaumhvortheldurer  hrrieWalgridrttarvextienSeWlabanki0slandskveWur.ErmiWaWviWfulltsamningsfrelsi  aWilaYessumefnummeWYeimtakmrkunumsemleiWirafsjlfukvWinu.AukYessstir i frelsiWaWsjlfsgWuYeimalmennutakmrkunumsemleiWaafIII.kaflalaganr.7/1936,um \4 samningsgerW,umboWog;gildalggerninga,og_VII_.kaflafrumvarpsYessa. '   EinsogfyrrsegirhefurveriW;vissaumYaWhvaWahmlursufrelsitilaWsemjaum  vextiogdrttarvexti.TeljaverWuraWekkisstWatilaWtakmarkaheimildirtilaWsemjaum  almennavexti,hvorkihWYeirran_vaxtatmabil_.EWlilegteraWhiWsamagildiumdrttar `  vextiskv.III.kaflameWYeimtakmrkunumsemleiWaaf6.gr.frumvarpsins. S+! @ Um& , 3.gr. #   03.gr.erukvWisemfelaefnislegasrsmuregluogframkemur4.gr.gildandi  $ _vaxtalaga_ԀogYarfnastekkisrstakraskUringa.RttYykiraWhafaafdrttarlaustkvWium !W% aWvextiskuligreiWafrogmeW_stofndegi_Ԁ_pe', ningakrfu_. J""& @ Um4.gr. #(   HrerlagttilaWstaW5.og6.gr.gildandi_vaxtalaga_Ԁkomieingrein.5.gr.lagannahlj;War $ ) svo,sbr.1.gr.laganr.67/1989: v%N!*   ?XegarsamiWerumvextiaf_peningakrfu_,enhundraWshlutiYeirraekkitiltekinn,skulu A&"+ vextirfrYvaWtilskuldarerstofnaWverahverjumtma_jafnhir_Ԁ_vegnu_ԀmeWaltali_rsvxt  '", unar_ԀnUjumalmennum_tlnum_Ԁhj_viWskiptabnkum_Ԁogsparisj;Wum.  '#-   6.gr.lagannaersvohlj;Wandi: (z$.   ?SsamiWumbreytilegavextisamrmiviWhstu_lgleyfWa_ԀvextieWahstuvexti ( markaWnumhverjumtmaskalmiWaviWhstugildandivextiafhliWstWumlnumsemeru  almennrinotkunhj_viWskiptabnkum_Ԁogsparisj;WumeinsogYeireruhverjumtma.     0_frumvarpsgreininni_ԀervsaWtil_lnastofnana_Ԁeinulagi,enmeWlnastofnunumerhr a annarsvegarttviWviWskiptabankaogsparisj;Wisamkvmtlgumnr.113/1996oghinsveg T, araWrarlnastofnanirenviWskiptabankaogsparisj;Wisamkvmtlgumnr.123/1993.    0greininnierlagttilaWYegarsamningsaWilartilgreinaekki_vaxtaf;t_ԀverWimiWaWviWvexti  semSeWlabankinnbirtir.SkuluYeirtakamiWaflgstuvxtumafnUjumalmennum_tlnum_   hjlnastofnunumenekki_veginni_Ԁ_meWalrsvxtun_Ԁslkra_tlna_Ԁhj_viWskiptabnkum_Ԁog  X sparisj;WumeinsogveriWhefur.FyrrgreinduvextirnirerulgrienYeirsWarnefndu.Rtter K #  aWbendaaWeinungisundantekningartilvikumreynirYettakvWi_vaxtalaga_.Reynslan    ersaWyfirleittereinhver_vaxtaf;tur_Ԁtilgreindur,efannaWborWerskiliWaWkrafaberi    vexti.     0almennumathugasemdumviWlagafrumvarpiWhefurveriWrakiWaW_meWalvxtun_ԀafnUj wO  um_tlnum_ԀviWskiptabankaogsparisj;WasaWUmsuleyti;heppilegviWmiWunfyrirvexti B  af_peningakrfu_ԀYegarenginnsrstakurhundraWshlutiertiltekinn.0fyrstalagihefurorWiW    erfiWarafyrirSeWlabankannaWvelja_vogir_ԀtilaWreiknat_meWalvexti_ԀeftirYvsem_kjr   vaxtakerfi_Ԁbankaogsparisj;WahefurorWiW_fjlbreytilegra_.0WrulagieruviWtreikning {  Yessum_meWalvxtum_ԀnotaWirallirvextiraf_skuldabrfalnum_Ԁbankaogsparisj;Wa,Y.e.ln nF umlgumvxtumtil_traustra_ԀaWilameWg;WartryggingaroglnumhumvxtumtilaWila 9 meWlakaritryggingarogallirvextirYarmilli.Xessir_meWalvextir_ԀerusWannotaWirrkum  mlisamningummannamilliutanbankakerfisinsnYessaWtillitstekiWtilmismunandi  aWstWna_lntakenda_.XettageturYUttaWaWilarsemtakalnutanbankakerfisinsmeWg;Wum r _tryggingum_ԀgreiWaraunhrrivextieneWlilegtgeturtalist.EinnigmfinnadmiumhiW e= gagnstWa.XverlagttilaWstaWYessaWreiknatogbirta_meWalvexti_Ԁbankaogsparisj;Wa 0 semaWilargetanotaWviWskiptumsnmilliverWiSeWlabankanumfaliWaWbirtavextisem  takamiWaflgstuvxtumnUrra_tlna_ԀviWskiptabanka,sparisj;Waogannarra_lnastofnana_.  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'   1._mlsl_.7.gr.frumvarpsinsersamrmiviW13.gr._vaxtalaga_.02._mlsl_.ernUttkvWi.  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A&"+ 1996.1236,_Hrd_.1996.2915og_Hrd_.1996.3093.TilgangurinnmeW2._mlsl_.7.gr.frum  '", varpsYessaerYvaWbreytaframkvmdYessararregluYannvegaWverWi_greiWslufall_Ԁ_skul '#- dara_ԀvegnaYessaWhannneytirlgmtra_vanefndarrWa_Ԁgagnvart_krfuhafanum_Ԁskuliekki (z$. reiknadrttarvextiYanntmasem_greiWsludrttur_ԀverWurafYessumskumvaldiatvik,sem ( varWakrfuhafaog_skuldara_ԀverWurekkiumkennt,YvaWgreiWslaferekkifram.    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Bturskv.16.gr._skaWab;talaga_Ԁeru_verWtryggWar_ԀeftirYvsemnnarsegir15.gr.lag r anna.Regla16.gr.leiWirtilYessaWvextirleggjast_verWbttan_ԀhfuWst;lb;tannafrYeim e= tmaaWtj;nvarW.EinsogWursegirerubturYrsemvextirnir,4,5%ri,takatil_verW 0 tryggWar_Ԁog_vaxtaf;turinn_ԀvalinnmeWhliWsj;nafYv.MeWlgumnr.42/1999voruvextir  skv.16.gr._skaWab;talaga_ԀhkkaWirr2%4,5%.0athugasemdumviWfrumvarptillaganr.  42/1999sagWiumbreytinguYessaaWlagtvritilaWvextirskv.16.gr.yrWuYeirsmuog i miWaWvriviW_afvxtunarforsendu_Ԁ_margfeldisstuWulsins_Ԁskv.6.gr.,Y.e.4,5%ri.0_marg \4 feldisstuWli_Ԁ6.gr.,semlagWurertilgrundvallarviWtreikningb;tavegnavaranlegrarrorku, ' erutlaWarbtu&  rtilframtWar_afvaxtaWar_ԀYannigaWtekiWertillittilYeirrarvxtunarsem  tj;nYoliertalinn'peigakosttilframtWar.    AfframansgWumlj;stveraaW_vaxtakvrWun_Ԁ_skaWab;talaga_ԀtekurmiWaf_srreglum_ `  varWandiuppgjrb;tasamkvmt_skaWab;talgum_. S+!   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