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(g00"i0J"  i0J+#2g  a  .3  Ԉ0    7.tlul.1.mgr.orWastsvo:0_hlutdeildarskrteinum_ԀeWahlutum_verWbrfasj;Wa_ԀeWa_fjr    festingarsj;Wa_Ԁsamkvmtlgumnr.30/2003,um_verWbrfasj;Wi_Ԁog_fjrfestingarsj;Wi_,   en_verWbrfasafni_ԀaWbaki_skrteinunum_ԀeWahlutunumskalskiptaWratluliWiYessarar wO  mlsgreinarmeWtillititiltakmarkana2.!6.mgr.i0J+#X#݌B  Ќ  "i0J"  i0J&2g  b  .3  Ԉ0    eftir2._mlsl_.5.mgr.kemurnUr_mlsliWur_,svohlj;Wandi:SamanlgWeignsj;Wsins    verWbrfumskv.1._mlsl_.og_innlnum_Ԁskv.4.tlul.1.mgr.skalekkiverameirien25%   afhreinnieignsj;Wsins.i0J&&݌{  Ќ  "i0J"  i0J)2g  c  .3  Ԉ0    eftirorWinu,,_verWbrfasj;Wi_ 3._mlsl_.5.mgr.kemur:eWaeinstakrideildhans.i0J)<)݌nF Ќ  "i0J"  i0J*2g  d  .3  Ԉ0    ViW5.mgr.btasttveirnUir_mlsliWir_,svohlj;Wandi:Xerlfeyrissj;Wi;heimiltaWeiga 9 meiraen15%af_hlutdeildarskrteinum_ԀeWahlutum_fjrfestingarsj;Ws_,eWaeinstakrideild  hans.Lfeyrissj;Wier;heimiltaWbindameiraen25%afeignumsnum_innlnum_Ԁsama  bankaeWa_sparisj;Ws_.i0J**݌r Ќ  "i0J"  i0J-2g  e  .3  Ԉ0    ViWgreininabtistnUmlsgreinerverWur9.mgr.ogorWastsvo:i0J--݌e= Ќ  0  0   v XrttfyrirkvWi7.tlul.1.mgr.erlfeyrissj;WumekkiheimiltaWfjrfestaeWaeiga 0 _fjrfestingarsj;Wum_ԀsemfjrmagnasigmeW_lntku_ԀeWa_skortslu_,sbr.kvWi38.gr.     5.gr. i     LgYessiWlastYegargildi. \4 @ #dggAthugasemdirviWlagafrumvarpYetta.#ggd 1Ԉ    MeWfrumvarpiYessuerugerWarnokkrarbreytingarlgunumumskyldutryggingu  lfeyrisrttindaogstarfsemilfeyrissj;Wa.HelstubreytingarerYessar: `   SkilyrWiumstarfsstWhrlandivegnaYj;nustuskv.II.kaflaafnumin.  "   0fyrstalagierlagttilaWerlendum_viWskiptabnkum_,sparisj;Wum,_verWbrfafyrirtkjum_ # og_lftryggingaflgum_,semhafastaWfestuogstarfsleyfiWrurkiinnanEvr;pska  $ _efnahagssvWisins_ԀeWa_aWildarrki_Ԁ_stofnsamnings_Ԁ_Frverslunarsamtaka_ԀEvr;pu,verWi,aW !W% uppfylltumvissumskilyrWum,heimiltaWveitaYj;nustuskv.II.kaflalaganna,Y.e.aWtaka J""& viW_iWgjaldi_ԀmeWsamningium_viWb;tartryggingavernd_.MeWbreytingunnierbrugWistviW #' athugasemdum_Eftirlitsstofnunar_Ԁ_EFTA_ԀenstofnuninhefurtaliWYaWfyrirkomulagaWgera #( skilyrWiumstarfsstWhrlandibrj;tabgaviW36.gr._EES_Ԅsamningsinsumfrelsi $ ) rkisborgara_aWildarrkja_Ԁ_ESB_Ԁog_EFTA_ԀtilaWveitaYj;nustu. v%N!*   0frumvarpinuergengiWtfrYeirrimeginregluaW_fjrmlafyrirtki_ԀeWa_lftrygginga A&"+ flag_,semhefurfengiWstarfsleyfieinuaf_aWildarrkjum_ԀEvr;pska_efnahagssvWisins_ԀeWa  '", _aWildarrki_Ԁ_stofnsamnings_Ԁ_Frverslunarsamtaka_ԀEvr;pu,getigrundvelliYessopnaWtib '#- srhverjuhinnarkjannanYessaWYurfatilYesssrstaktleyfistj;rnvaldaYareWaboWiW (z$. framYj;nustusnaYarnYessaWopnatib.XettaYUWirt.d.aW_viWskiptabanki_ԀBelgugetur ( boWiWuppsamningum_viWb;tarlfeyrissparnaW_Ԁhrlandiskv.II.kaflalagannahafihann  samsvarandiheimildirsamkvmtstarfsleyfisnufr_belgskum_Ԁstj;rnvldum.    XerennfremurgengiWtfrYeirrimeginregluaWeftirlitmeWstarfsemi_fjrmlafyrir a tkja_Ԁsrhverju_aWildarrkjanna_Ԁskuliverahndum_eftirlitsaWila_Ԁheimarkifyrirtkis. T, XettaYUWiraWstarfsemieWaYj;nusta_belgsks_ԀviWskiptabankahrlandigrundvelliII.  kaflalagannayrWiundireftirlitiYarlendrayfirvaldaensamvinnuviW_FjrmlaeftirlitiW_.   _InnleiWing_Ԁ_tilskipunar_Ԁnr.98/49/EB,umverndun_viWb;tarlfeyrisrttinda_ԀlaunYegaog  X sjlfstttstarfandieinstaklingasemflytjastmilli_aWildarrkja_.  K #    MeWfrumvarpinuerWrulagilagttilaWviWlginverWibttnUrrigreinerfjallarum    rttindilaunYegasemkomahingaWtillandstilstarfafrhfuWstWvumsemeruEvr;pska    _efnahagssvWinu_ԀeWa_aWildarrki_Ԁ_stofnsamnings_Ԁ_Frverslunarsamtaka_ԀEvr;pu.Samkvmt   kvWinuskalYeimheimiltaWgreiWaframtilYess_lfeyriskerfis_ԀsemYeireigaaWildaWmeW wO  samahttiogYeimvriheimiltefYeirfluWu_teknanna_ԀYvlandiYarsemhfuWstWvarnar B  eruoglfeyriskerfiWfellurekkiundirreglugerWnr.1408/71/EBE.kvWiWersamrmiviW    6.og7.gr._tilskipunar_Ԁnr.98/49/EB,umverndun_viWb;tarlfeyrisrttinda_ԀlaunYegaogsjlf   stttstarfandieinstaklingasemflytjastmilli_aWildarrkja_. {    Samkvmt2._efnismgr_.3.gr.skuluvinnuveitendur,lfeyrissj;Wirog_vrsluaWilar_Ԁ_lfeyris nF sparnaWar_ԀhafatiltkarupplUsingarfyrirsj;Wflagasemgreinintekurtilumunninlfeyris 9 rttindiYeirrar_lfeyriskerfum_Ԁskv.1.mgr.,meWhvaWahttiYauverWavarWveitt,hvortunnt  saWflytjaYautilerlendrasj;WaoghvertberiaWsnasrYegarYauverWavirk.    MarkmiW_tilskipunar_Ԁnr.98/49/EBeraWstandavrWumrttindiflagasemflytjafreinu r _aWildarrki_Ԁtilannars_lfeyriskerfum_ԀogstuWlaYannigaWYvaWryWjarvegihindrunumfyrir e= frjlsumflutningumlaunYegaogsjlfstttstarfandieinstaklingainnanbandalagsins.Sam 0 kvmtgreininnitekurslkverndjafnttillfeyrisrttindavalfrjlsumsem_skyldubundnum_  _lfeyriskerfum_,aWundanskildumYeimsemheyraundirreglugerW1408/71/EBE,umbeitingu  _almannatryggingareglna_ԀgagnvartlaunYegum,sjlfstttstarfandieinstaklingumog i fjlskyldumYeirrasemflytjastmilli_aWildarrkja_.0YessusambandierrttaWrttaaWhinn \4 _skyldubundni_Ԁhlutilfeyrisrttindaslenskumlfeyrissj;Wum,sbr.kvWiI.kaflalaganna, ' fellurundirreglugerW1408/71/EBEogYarafleiWandiekkiundirtilskipunnr.98/49/EB,sbr.  1.gr._tilskipunarinnar_.    SamkvmtreglugerWnr.698/1998,umrWstfun_iWgjalds_Ԁtil_lfeyrissparnaWar_Ԁog_viW `  b;tartryggingarvernd_,erlfeyrissj;WumheimiltaWtakaviWiWgjldumtilflunar_viWb;tar S+! lfeyrisrttinda_Ԁ_samtryggingarsj;Wum_Ԁog_lftryggingarflgum_ԀheimiltaWbj;Waupp " samningaum_lfeyristryggingu_.Xer_vrsluaWilum_Ԁ_lfeyrissparnaWar_ԀeinnigheimiltaWverja # hlutaafiWgjldumtil_einstaklingsbundins_ԀsparnaWartilkaupalftryggingu.Slkirsamningar  $ ogrttindisemunninerugrundvelliYeirraeruutan_gildissviWs_ԀreglugerWar1408/71/EBE !W% ogfallaYarmeWundirgildissviW_tilskipunar_Ԁnr.98/49/EB.AWrarreglurumlfeyrisrttindi J""& fallaekkiundirgildissviW_tilskipunarinnar_ԀogYarafleiWandiekkiundirkvWi3.gr. #' frumvarpsYessa. #(  Hugtkin_verWbrfasj;Wur_Ԁog_fjrfestingarsj;Wur_Ԁsamkvmtlgumnr.30/2003.  v%N!*   0frumvarpinuerlagttilaWlfeyrissj;WumverWiheimiltaWfjrfesta_fjrfestingarsj;Wum_ A&"+ meWsvipuWumhttiog_verWbrfasj;Wum_.07.tlul.1.mgr.36.gr.laganr.129/1997kemur  '",  framaWlfeyrissj;WisheimiltaWfjrfesta_hlutdeildarskrteinum_Ԁ_verWbrfasj;Wa_,en '#- _verWbrfasafni_ԀaWbaki_skrteinunum_ԀskuliskiptaWratluliWimlsgreinarinnar&   meWtilliti ( tiltakmarkana'(W2.!6.mgr.    Samkvmtlgumnr.10/1993,um_verWbrfasj;Wi_,t;khugtakiW_verWbrfasj;Wur_Ԁtilsj;Wa  semheimiltvaraW_markaWssetja_ԀEvr;pska_efnahagssvWinu_._Uppfylltu_ԀYeirsj;Wirkrfur a _tilskipunar_Ԁ85/611/EB,svokallaWir_UCITS_Ԅsj;Wir.MeWlgumnr.17/1999,umbreytingu T, lgumnr.10/1993,varm.a.heimilaWaWstofna,,_verWbrfasj;Wi_ semeingnguyrWiheimilt  aW_markaWssetja_Ԁhrlendis.HfWuYeirsj;WirvWtkari_fjrfestingarheimildir_Ԁen_UCITS_Ԅ  sj;WirenviW_lagasetninguna_ԀvarhfWhliWsj;naftillgumframkvmdastj;rnar_ESB_ԀaW   breyttri_verWbrfasj;Watilskipun_ԀsemvartilmeWferWar_Evr;puYinginu_Ԁoghj_Evr;purWinu_.  X VarWhugtakiW_verWbrfasj;Wur_ԀYarmeWvWaraogt;kYbWitil_verWbrfasj;Wa_Ԁsemheimilt K #  varaW_markaWssetja_ԀEvr;pska_efnahagssvWinu_Ԁogtilsj;WasemeingnguvarheimiltaW    _markaWssetja_Ԁhrlendis,_svokallaWra_Ԁ_heimasj;Wa_.Eftirframangreindalagabreytinguvar    lfeyrissj;WumYskv.7.tlul.1.mgr.36.gr.jafnframtheimiltaWfjrfesta_heimasj;Wunum_.     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B  10/1993,meWsWaribreytingum,rgildi.Skv.1.tlul.2.gr.laganr.30/2003merkirhug    takiW_verWbrfasj;Wur_Ԁnsj;WmeWstarfsleyfiEvr;pska_efnahagssvWinu_ԀsemstofnaWurer   ogrekinnaf_rekstrarflagi_Ԁoggefurt_hlutdeildarskrteini_Ԁsemeru_innleysanleg_ԀaWkrfu {  eigendaaWeignumsj;Wsins.02.tlul.2.gr.smulagamerkir_fjrfestingarsj;Wur_Ԁsj;WmeW nF starfsleyfi,ennheimildartilmarkaWssetningarEvr;pska_efnhagssvWinu_.Slkirsj;Wir 9 gefat_hlutdeildarskrteini_ԀeWahlutabrf._Fjrfestingarsj;Wur_ԀgeturveriWtvennskonar  formi.HanngeturveriWstofnaWurogrekinnaf_rekstrarflagi_Ԁlktog_verWbrfasj;Wur_ԀeWa  rekinn_hlutaflagsformi_. r   SamkvmtframangreindukvaWlggjafinnaWhugtakiW_verWbrfasj;Wur_Ԁskyldiekkin e= yfirnUjategundsj;Wa,meWrUmri_fjrfestingarheimildir_,Y.e._fjrfestingarsj;Wi_,semeingngu 0 erheimiltaW_markaWssetja_Ԁhrlendis.NrhugtakiW_verWbrfasj;Wur_Ԁnyfirsamsvarandi  _sj;WaafurWir_ԀmeWsamsvarandi_fjrfestingarheimildum_ԀogYaWgerWisamkvmtlgumnr.  10/1993,sbr.YrbreytingarsemgerWarvorumeWlgumnr.17/1999. i   FramangreindarlagabreytingarhafaennfremurfrmeWsraWlfeyrissj;Wumerskv.7. \4 tlul.1.mgr.36.gr.laganr.129/1997eingnguheimiltaWfjrfesta_verWbrfasj;Wum_Ԁskv. ' 1.tlul.2.gr.laganr.30/2003.Skv.5.mgr.36.gr.lagannamegalfeyrissj;Wirekkieiga  meiraen25%af_hlutdeildarskrteinum_Ԁtgefnumafsama_verWbrfasj;Wi_.  &    Fjrfestingarlfeyrissj;WahlutumeWa_hlutdeildarskrteinum_Ԁ_fjrfestingarsj;Wa_Ԁfallahins `  vegarundir6.tlul.(hlutabrf)eWa8.tlul.(nnurverWbrf)1.mgr.36.gr.laganr. S+! 129/1997.Af5.mgr.36.gr.leiWiraWlfeyrissj;WierekkiheimiltaWeigameiraen15%af " hlutafhverjufyrirtkiogsamanlgWeignlfeyrissj;WsverWbrfumtgefnumafsama # aWilaeWasamstWumekkiverameira10%afhreinnieignsj;WsogsamanlgWeignlfeyris  $ sj;WsWrumverWbrfumskv.8.tlul.mhstvera5%afhreinnieignsj;Ws.'l !W%   0athugasemdumviW2.gr.frumvarpstillaganr.30/2003kemurm.a.framaW_verWbrfa J""& sj;Wi_ԀsheimiltaW_markaWssetja_ԀEvr;pska_efnahagssvWinu_.0YessufelstaW #' _verWbrfasj;Wir_Ԁhafa_Evr;pupassa_ԀoggetagrundvellihansopnaWtibeWahafiWstarfsemi #( srhverjuhinnarkjannanYessaWYurfatilYesssrstaktleyfistj;rnvalda._VerWbrfasj;Wir_ $ ) uppfyllaYvllskilyrWi_tilskipunar_Ԁumsameiginlegafjrfestinguframseljanlegum v%N!* verWbrfum.XkemurframaW_hlutdeildarskrteini_Ԁ_verWbrfasj;Wa_Ԁsu_innleysanleg_ԀaWkrfu A&"+ eigendaaWeignumsj;Ws.  '",   0athugasemdunumerjafnframtvikiWaW_fjrfestingarsj;Wum_ԀenYarkemurframaWYeir '#- uppfylliekkitilskipunumsameiginlegafjrfestinguoggetiYvekki_markaWssett_Ԁskilrkisn (z$. Evr;pska_efnahagssvWinu_Ԁn_starfsleyfis_ԀviWkomandirki.UmmarkaWssetningu ( _fjrfestingarsj;Wa_ԀWrurkifariYveftirlgumYessrkis.FramkemuraW_fjrfestingarsj;Wur_  getiveriWtvennskonarformi.HanngetiveriWstofnaWurogrekinnaf_rekstrarflagi_Ԁlktog  _verWbrfasj;Wur_.HinsvegargetihannveriWrekinn_hlutaflagsformi_.:lkt_verWbrfasj;Wum_ a getaviWskiptavinir_fjrfestingarsj;Wum_Ԁekki_innleyst_Ԁskrteinisnnfyrirvara. T,   XkemurframaWheitin_verWbrfasj;Wur_Ԁog_fjrfestingarsj;Wur_ԀeigiaWendurspeglanver  andi_hugtakanotkun_Ԁ_fjrmlamarkaWi_.HugtakiW_verWbrfasj;Wur_Ԁhafifestsigsessihr  landiogstandifyrirhlutdeild_httudreifWu_ԀsafniverWbrfasemtWs_innleysanleg_.Vert   saWhaldaYessarinotkunheitinu_verWbrfasj;Wur_.HugtakiW_fjrfestingarsj;Wur_Ԁhafi  X undanfrnumrumhinsvegarveriWnotaWhrlandiumsj;Wisemhafi_httusamari_Ԁ_fjr K #  festingarstefnu_.      0frumvarpiYvervarWaWlgumnr.30/2003,um_verWbrfasj;Wi_Ԁog_fjrfestingarsj;Wi_,er    ennfremurfjallaWumeWli_verWbrfasj;Wa_ԀogkemurYarm.a.framaW_verWbrfasj;Wur_Ԁsekki   _vogunarsj;Wur_ԀmeW_frjlslegar_Ԁ_fjrfestingarheimildir_.TilaWkomavegfyrirmiklahttu wO  s_verWbrfasj;Wi_Ԁ;heimiltaWfjrfestameiraen10%afeignumWruenskrWum B  verWbrfumskipulegum_verWbrfamarkaWi_.AWsamaskapisutarlegarkrfurum    _httudreifingu_Ԁ_fjrfestingarstefnukafla_Ԁ_verWbrfasj;Walaga_.     _Fjrfestingarheimildir_Ԁ_fjrfestingarsj;Wa_Ԁeruhinsvegarmun_httusamari_Ԁen_verWbrfa {  sj;Wa_,m.a.hvaWvarWar_;takmarkaWar_Ԁheimildirtilfjrfestinga_;skrWum_ԀverWbrfum,minni nF _httudreifingu_,heimildirtil_skortslu_Ԁogheimildirtil_lntku_ԀaWtilteknumarki.MeW 9 _skortslu_ԀerttviWaW_verWbrfasj;Wi_ԀerheimiltaWseljaverWbrfsemekkierueigusj;Wsins  Yeimtmasemsalanferfram,Y.e._verWbrfasj;Wi_ԀerheimiltaWtakaverWbrfaWlnitma  bundiWtilaWseljaYau. r   MeWfrumvarpiYessuerlagttilaWlfeyrissj;WumverWiheimiltaWfjrfesta_fjrfestingar e= sj;Wum_ԀmeWsvipuWumhttiog_verWbrfasj;Wum_.0lj;siYessaWum_httusamari_Ԁ_sj;WaafurW_ 0 eraWrWasemlUturekki_skilyrWislausri_Ԁ_innlausnarskyldu_ԀaWkrfueigendasj;Wserlagttil  aWheimildirtilfjrfestinga_hlutdeildarskrteinum_ԀeWahlutumsama_fjrfestingarsj;Ws_,eWa  einstakrardeildarhans,verWiYrengriengildirum_verWbrfasj;Wi_.XykirhfilegtaWmiWaviW i 15%. \4 & #   Samkvmt38.gr.lagannaerlfeyrissj;Wunum;heimiltaWtakalnnematilfjrfestingar ' fasteignumsemerunauWsynlegarvegnastarfsemisj;Wsins.0samrmiviWframangreint  verWurlfeyrissj;Wum;heimiltaWfjrfesta_fjrfestingarsj;Wum_ԀsemnUtaheimildir5.og6.  tlul.54.gr.laganr.30/2003til_lntku_ԀeWa_skortslu_.T.d.mttihugsasraW_fjrfestingar `  sj;Wir_ԀyrWustofnaWirutanumfjrfestingarlfeyrissj;WssemnUttuheimildirtil_lntku_,Y.e. S+! alltaW25%afverWmtieigna_fjrfestingarsj;Wsins_.Xannigvrufjrfestingarlfeyrissj;Ws " _fjrmagnaWar_ԀaWhlutatilmeW_lntkum_Ԁsemgengurgegn38.gr.laganna.MeWYessum;ti # gtulfeyrissj;WireinnignUttheimildirtil_lntku_ԀtilaWstillaaf_tryggingafrWilegar_Ԁ_ttektir_  $ _sj;Wanna_Ԁumram;t.'#'\ !W%   ErYvlagttilaWnUmlsgreinbtistviW36.gr.semkveWurumaWYrttfyrirkvWi7. J""& tlul.1.mgr.36.gr.slfeyrissj;WumekkiheimiltaWfjrfestaeWaeiga_fjrfestingarsj;Wum_Ԁ #' semfjrmagnasigmeW_lntku_ԀeWa_skortslu_,sbr.kvWi38.gr.laganna.0Yvsambandi #( skalbentaWekkiervstaWallir_fjrfestingarsj;Wir_ԀmuninUtaheimildirlaganr.30/2003til $ ) _lntku_Ԁog_skortslu_ԀheldurnUtat.d.eingngurUmriheimildir_fjrfestingarsj;Wa_Ԁtilfjr v%N!* festingaen_verWbrfasj;Wir_Ԁhafaeinstkumtgefendumog_;skrWum_ԀverWbrfum.Vri A&"+ lfeyrissj;WumYheimiltaWfjrfestaslkum_fjrfestingarsj;Wum_. 򀀀  '",   '#-  _Innln_Ԁskv.&   36.gr.laganna. (    Spurningarhafa'(_vaknaWumhvernigberiaWtlka5.mgr.36.gr.oghvort_innln_Ԁfalliundir  YregluaWsamanlgWeignsj;WsverWbrfumskv.2.!8.tlul.1.mgr.tgefnumafsama  aWilaeWaaWilumsemtilheyrasmusamstWunniskuliekkiverameiraen10%afhreinni a eignsj;Wsins.RkhngatilYessaWtlkaberiumrddalagagreinmeWYeimhttiaW T, takmarkanir5.mgr.36.gr.nieinnigtil_innlna_.BenthefurveriWaWYaWserfiWleikum  hWaWdreifa_innlnum_Ԁ10aWilalj;siYesshvefar_innlnsstofnanir_Ԁeruhrlendis.VerWur  aWteljavarhugavertmeWtillititil_httudreifingar_ԀaWlfeyrissj;WumsheimiltaWfela_innln_   sj;Wseingngueinni_lnastofnun_ԀeWasparisj;Wi.TilsamanburWarskalbentaWskv.1.mgr.  X 35.gr.laganr.30/2003,um_verWbrfasj;Wi_Ԁog_fjrfestingarsj;Wi_,ermiWaWviW20%vegna K #  _innlna_,Y.e._verWbrfasj;Wum_ԀerekkiheimiltaWbindameiraen20%afeignumsnum    _innlnum_Ԁsama_fjrmlafyrirtkis_.0frumvarpinuerlagttilaWlfeyrissj;WiverWi;heimiltaW    bindameiraen25%afeignumsnum_innlnum_ԀsamabankaeWa_sparisj;Ws_.       AthugasemdirviWeinstakargreinarfrumvarpsins. B  Um1.gr.        0YessarigreinerlagttilaWerlendum_viWskiptabnkum_,sparisj;Wum,_verWbrfafyrir   tkjum_Ԁog_lftryggingaflgum_,semhafastaWfestuogstarfsleyfiWrurkiinnanEvr;pska {  _efnahagssvWisins_ԀeWa_aWildarrki_Ԁ_stofnsamnings_Ԁ_Frverslunarsamtaka_ԀEvr;pu,verWiheimilt nF aWstundastarfsemiskv.II.kaflaYessaralaga,Y.e.aWtakaviW_iWgjaldi_ԀmeWsamningium 9 _viWb;tartryggingavernd_ԀmeWstofnun_tibs_Ԁhrlandi,sbr.31.gr.laganr.161/2002,um  _fjrmlafyrirtki_,eWanstofnunar_tibs_,sbr.32.gr.smulaga.0samrmiviWYettaer  orWalagi1.mgr.breyttogtluliWumfkkaWtilsamrmisviWbreytingarsemgerWarvoru r meWtilkomunUrralagaum_fjrmlafyrirtki_. e=   Samkvmt1._efnismgr_.bliWarererlendum_viWskiptabnkum_,sparisj;Wumog_verWbrfa 0 fyrirtkjum_,semhafastaWfestuogstarfsleyfiWrurkiinnanEvr;pska_efnahagssvWisins_  eWa_aWildarrki_Ԁ_stofnsamnings_Ԁ_Frverslunarsamtaka_ԀEvr;pu,veittheimildtilaWstunda  starfsemiskv.II.kaflalaganna,annaWhvortmeWstofnun_tibs_ԀhrlandieWanstofnunar i _tibs_.Umheimildiroghlutverk_Fjrmlaeftirlitsins_ԀervsaWtilkvWa31.,32.,34.og35. \4 gr.laganr.161/2002,um_fjrmlafyrirtki_. '   02._efnismgr_.bliWarersambrilegtkvWiog1._efnismgr_.enhrerfjallaWum  _lftryggingaflg_ԀogvsaWtilkvWa64.!70.gr.laganr.60/1994,um_vtryggingastarfsemi_.  & a   Lagtertil3._efnismgr_.bliWaraWfjrmlarWherragetisettnnarireglurummeWhvaWa `  htti_rtthfum_ԀskulitryggWarupplUsingarumskilmlasamningaum_lfeyrissparnaW_Ԁog S+! _viWb;tartryggingavernd_,svosemumefniYeirra,formogunninrttindi.'a "   Um2.gr.  $     XarsemtluliWum8.gr.varbreytternauWsynlegtaWlagfratilvsun2.mgr.9.gr. !W% HrerekkiumefnislegabreytinguaWrWa. J""&   Um3.gr. #(     03.gr.frumvarpsinserlagttilaWviWlginverWibttnUrrigrein,19.gr.a,Yarsemer $ ) fjallaWumrttlaunYegatilaWgreiWaframtilYess_lfeyriskerfis_ԀerhannhefurvaliWsrYegar v%N!* hannstarfarutanhfuWstWva.kvWiWersamrmiviW6.og7.gr._tilskipunar_Ԁnr. A&"+ 98/49/EB,umverndun_viWb;tarlfeyrisrttinda_ԀlaunYegaogsjlfstttstarfandieinstaklinga  '",  semflytjastmilli_aWildarrkja_. '#-   Samkvmt1.mgr.greinarinnarskallaunYega,semkemurtilstarfahingaW&   tillandsfr ( hfuWstWvum'(hEvr;pska_efnahagssvWinu_ԀeWa_aWildarrki_Ԁ_stofnsamnings_Ԁ_Frverslunarsam  taka_ԀEvr;pu,heimiltaWgreiWatil_lfeyriskerfis_ԀmeWsamahttioghonumvriheimiltef  hannaflaWi_teknanna_ԀYvlandiYarsemhfuWstWvarnareruoglfeyriskerfiWfellurekki a undirreglugerWnr.1408/71/EBE,umbeitingu_almannatryggingareglna_ԀgagnvartlaunYegum, T, sjlfstttstarfandieinstaklingumogfjlskyldumYeirrasemflytjastmilli_aWildarrkja_.02.  _mlsl_.1.mgr.kemurframaWefgreiWsluiWgjaldatilslks_lfeyriskerfis_ԀerhaldiWframskv.  1._mlsl_.slaunYegisemstarfarutanhfuWstWvaogvinnuveitandihansundanYegnirallri   skyldutilaWgreiWaiWgjldtil_sambrilegs_Ԁ_lfeyriskerfis_Ԁhrlandi.  X   MeWorWunum,,launYega,semkemurtilstarfahingaWtillandsfrhfuWstWvum K #  Evr;pska_efnahagssvWinu_ԀeWa_aWildarrki_Ԁ_stofnsamnings_Ԁ_Frverslunarsamtaka_ԀEvr;pu er    ttviWeinstaklingsemsendurertilstarfaWru_aWildarrki_ԀEvr;pska_efnahagssvWisins_ԀeWa    _aWildarrki_Ԁ_stofnsamnings_Ԁ_Frverslunarsamtaka_ԀEvr;puenheyrirframundirlggjf   _upprunarkisins_ԀsamkvmtskilmlumII.kaflareglugerWar_Evr;pusambandsins_Ԁnr.1408/71 wO  einsoghnhefurveriW_innleidd_ԀslenskanrttmeWreglugerWum. B    02.mgr.erlagttilaWvinnuveitendur,lfeyrissj;Wirog_vrsluaWilar_Ԁ_lfeyrissparnaWar_Ԁskuli    hafatiltkarupplUsingarfyrirsj;Wflaga,semflytjatilannarra_aWildarrkja_ԀEvr;pska_efna   hagssvWinu_ԀeWa_aWildarrkis_Ԁ_stofnsamnings_Ԁ_Frverslunarsamtaka_ԀEvr;pu,umunninlfeyris {  rttindiYeirrar_lfeyriskerfum_Ԁskv.1.mgr.,meWhvaWahttiYauverWavarWveitt,hvortunnt nF saWflytjaYautilerlendrasj;WaoghvertberiaWsnasrYegarYauverWavirk. 9     Um4.gr.      0aliWerlagttilaWlfeyrissj;WumverWiheimiltaWfjrfesta_fjrfestingarsj;Wum_Ԁskv. r lgumnr.30/2003,um_verWbrfasj;Wi_Ԁog_fjrfestingarsj;Wi_,meWsvipuWumhttiog_verW e= brfasj;Wum_.SamkvmtkvWinuverWaheimildirtilfjrfestinga_hlutdeildarskrteinum_ԀeWa 0 hlutumsama_fjrfestingarsj;Ws_,eWaeinstakrardeildarhans,Yrengriengildirum_verWbrfa  sj;Wi_ԀYarsemum_httusamari_Ԁ_sj;WaafurW_ԀeraWrWa.XykirhfilegtaWmiWaviW15%.    0bliWerrttaWaWsamanlgWeignlfeyrissj;WsverWbrfumskv.1._mlsl_.5.mgr.og i _innlnum_Ԁskv.4.tlul.1.mgr.greinarinnarmegiekkiverameirien25%afhreinnieign \4 sj;Wsins. '   CliWurYarfnastekkiskUringa.  &    0fyrri_efnismlsl_.dliWarkemurframaWlfeyrissj;WiskulieigiveraheimiltaWeigameira  en15%af_hlutdeildarskrteinum_ԀeWahlutum_fjrfestingarsj;Ws_,eWaeinstakrideildhans. `  VsaWertilumfjllunaralmennumathugasemdumumfrumvarptillagaum_verWbrfasj;Wi_ S+! og_fjrfestingarsj;Wi_.0sWari_efnismlsliW_Ԁ_stafliWarins_ԀkemurframaWlfeyrissj;Wis;heimilt " aWbindameiraen25%afeignumsnum_innlnum_ԀsamabankaeWa_sparisj;Ws_.Vsastnnar # tilumfjllunaralmennumathugasemdum.'  $   0eliWerlagttilaWYrttfyrirkvWi7.tlul.1.mgr.YessarargreinarverWilfeyrissj;Wum !W% ekkiheimiltaWfjrfestaeWaeiga_fjrfestingarsj;Wum_ԀsemfjrmagnasigmeW_lntku_ԀeWa J""& _skortslu_,sbr.kvWi38.gr.lagaYessara.Vsastnnartilalmennraathugasemda. #'     Um5.gr. $ )     GreininYarfnastekkiskUringa. v%N!*  (z$.  Fylgiskjal. ( mAu) dE>$ A^m   FjrmlarWuneyti, a fjrlagaskrifstofa: T,   Umsgnumfrumvarptillagaumbreytinglgumnr.129/1997,um  skyldutryggingulfeyrisrttindaogstarfsemilfeyrissj;Wa,meWsWaribreytingum.       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