WPC5 92+qODUWCAg=+qatT A޲8botI#x"։ |- r6dXp=#߿=*Zyc-D(쓭'[?]c; _OHN?˔k: fs +;-{k\θ ƀQQi%&>v}߉^MX\>X^Δg5UN %4 0Y:# ^\^ mw145^ IUd D-* 72W 0U 0#$%e&+' 09' A*( 0( 0) 0* 0l+ 0C, 0- 0- 0C. 0. 0/ 00 0c1 0+2 02 03 0q4 0@+5 0k5 096 07 07 08 0S9 0: 0: 0<; 1; 72H<<z< 1=7=> 72t? 1? 72-@ 1_@ 72@ 1A 72AEA 0A 0<B 0,C 0;C 0&C 0D 0E 0:oF 0F 0-[G 00H 00I 03J 0L 0N 0Q 0LT 0  W 0X 0Z 0YH[ B[ AM[ 0N \ 0Y\ 0\N] 0] 08^ 0^ 0v_ 1` 0` 0vQa 0e 0vff D5j 0vk 0Ko 0o 00Tt 0 uu 0-u 0w&w Aw 0 7 7 7 7 % 11 72 1 72q 1 72* 1\ 72 1 72 1 72U 1 72 0@ 0j DC; 1~ 72 17 72 1 72w 1 720 0b 0 1 1 1 1 0 0 0| 0W 0DF 1 1 1 1 72 1 72_ 1 72 0J 0; 0, 0 0 0 0 0 0 0 0o 0N 0* 0 0 0 0 0d 0E 0#  0  0  0  0  0g  0< 0& 07 0 0# 0 0E 0<U.&d9 Z6Times New Roman RegularX(1$ IS , .\R6&A4\X_XXXTRW<6&A4W<6&A4 6&A4 6&A4T ? 9XX_-?vbX-#ggdd  80dd8ISUS.,     Adobe PDFyy0\\Mimir\forrit\WP2000\template\SKJRIT~1.WPT\\Mimir\forrit\WP2000\template\SkjritunY2k.wptUE8ό|)rirs?g.k8 3|xLevel 1Level 2Level 3Level 4Level 5)!dxdx_*+ (_2623  .. "h?nnunargreinum$t?lvunarfr%Winga"lUsingarh?nnuWa(iWnaWarrWuneytinuupptalningunastarfsheitinu"kerfisfr%WingurCtskriftt?lvut%kna&RafiWnaWarsk;lanst?lvukerfum&t?lvunarfr%Wiskor&t?lvunarfr%Wingar,t?lvunarfr%Wingarnir$skyldunmskeiWum$skyldueiningunum,st%rWfr%WinmskeiWum(st%rWfr%Wigreiningbestunarfr%Wi&t?lvunarfr%Winnar$t?lvunarfr%Winni&skyldueiningarnar2t?lvunarfr%WinmskeiWumt?lvusviWinu"grunnskilningur(t?lvunarfr%Wideildkj?rsviWa&notendahugbCnaWar$kerfishugbCnaWar&viWskiptafr%Wivalt%knigreinum"kerfisfr%Wingarkj?rsviWiforritun"st%rWfr%Wigrunn$umfj?llunarefniW(st%rWfr%WinmskeiW6t?lvunarfr%Wideildarinnart?lvuv%WingarSkUrr hugbCnaWargerW loftskeytamennkerfisfr%Wing"Ctskriftarnemar"CtskriftarnemumstarfsheitiW&t?lvunarfr%WingurhugbCnargerW kerfisfr%WinganetkerfumCtskrifaW&RafiWnaWarsk;linnumsagnaraWili"lgmarksmenntun$starfsheital?ginl?ggilt"rafverkfr%Wingarafverktaka$lUsingarh?nnuWur*D+J (_25   ," <DL,23  ..  2( 4 <DL2  ӂLevel 1Level 2Level 3Level 4Level 5Level 1Level 2Level 3Level 4Level 5Level 1Level 2Level 3Level 4Level 5Level 1Level 2Level 3Level 4Level 5, *HNK2   cf&OLE 2.0 Box <=8C HKKKK*A+J (_24   ) <DL)23  ..  2( 4 <DL2  *>+J (_23  ` &<<DL&23  ..  2( 4 <DL2  *;+J (_22   #DL#23  ..  2( 4 <DL2  *8+J (_21    DL 23  ..  2( 4 <DL2  *5+J (_20  h DDL23  ..  2( 4 <DL2  *2+J (_19   L23  ..  2( 4 <DL2  */+J (_18    L23  ..  2( 4 <DL2  * (_1723  Ԁ*DJ (_16   ," <DL,23  Ԁ  2( 4 <DL2  *AJ (_15   ) <DL)23  Ԁ  2( 4 <DL2  *>J (_14  ` &<<DL&23  Ԁ  2( 4 <DL2  *;J (_13   #DL#23  Ԁ  2( 4 <DL2  *8J (_12    DL 23  Ԁ  2( 4 <DL2  *5J (_11  h DDL23  Ԁ  2( 4 <DL2  *2J (_10   L23  Ԁ  2( 4 <DL2  (/J &_9    L23  Ԁ  2( 4 <DL2  ( &_823  (DJ &_7   ," <DL,23   2( 4 <DL2  (AJ &_6   ) <DL)23   2( 4 <DL2  (>J &_5  ` &<<DL&23   2( 4 <DL2  (;J &_4   #DL#23   2( 4 <DL2  (8J &_3    DL 23   2( 4 <DL2  (5J &_2  h DDL23   2( 4 <DL2  (2J &_1   L23   2( 4 <DL2  &/J $_    L23   2( 4 <DL2  <:Default Para(5hCEKQW]cioAutoList1a.a.a.a.a.a.a.a.3a. 2 a7'ISUS.,,,..X'XXX? $tXX'-?vbX-#ggdd  ISIS,.   _(EhCEKQW]cioAutoList2a.a.a.a.a.a.a.a. - e7)ISUS.,,,..X'XXX? $tXX'-?vbX-#ggdd  ISIS,.   _Ԁ6a.0UhCEKQW]cioAutoList31.1.1.1.1.1.1.1.91.(ehCEKQW]cioAutoList41.1.1.1.1.1.1.1.;1.(uhCEKQW]cioAutoList51.1.1.1.1.1.1.1.=1.2S+P 0_level1  , ;1PPP|, 4<D ";23  ..  8.$$|, 4<D "8  <:footnote ref,*MIVJ2000Level 1   IS XXX US   2zz0Level 3   7 2( 4 <DL2 IS XXX  2( 4 <DL2 US    0GG.header   `  IS XXX US    ` 0GG.footer   `  IS XXX US    ` :8page number:<<8Body Text 2  X  IS XXX US   X <`+f :Outline001_1   ," <DL,23  ..  2( 4 <DL2  <c+f :Outline002_1   /% <DL/23  ..  2( 4 <DL2  <c+f :Outline003_1   /%  <DL/23  ..  2( 4 <DL2  <f+f :Outline004_1   2( 4 <DL223  ..  2( 4 <DL2  < :Outline005_1   ," <DL,A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  2( 4 <DL2  < :Outline006_1   /% <DL/A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  2( 4 <DL2  < :Outline007_1   /%  <DL/A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  2( 4 <DL2  < :Outline008_1   2( 4 <DL2A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  2( 4 <DL2  <Q+Q :Outline009_15+ 4 <DL523  ..5+ 4 <DL5< :Outline010_15+ 4 <DL5A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS5+ 4 <DL5<+ :Outline011_123  ..64Hyperlink     d cfA<< c(O$<+ :Outline011_223  ..<+ :Outline011_323  ..<+ :Outline011_423  ..<+ :Outline011_523  ..<+ :Outline011_623  ..<+ :Outline011_723  ..ikmo0JTEu{}1. a. 1.StafliWir undir t?luliW1.a.1.<+ :Outline011_823  ..(N37$ !ISUS.,,,..TRW6&A4X3' Letter 6&A4\X_X3'LetterTXSXXXTRW6&A4W6&A4 6&A4 6&A4\X_XT ? 0XXS-?vbX-#ggdd  8UdXXd8ISIS,.      <+ :Outline011_923  ..(N37$ !ISUS.,,,..TRW6&A4X3' Letter 6&A4\X_X3'LetterTXSXXXTRW6&A4W6&A4 6&A4 6&A4\X_XT ? 0XXS-?vbX-#ggdd  8UdXXd8ISIS,.      UUUU)!dxdx(N37$ !ISUS.,,,..TRW6&A4X3' Letter 6&A4\X_X3'LetterTXSXXXTRW6&A4W6&A4 6&A4 6&A4\X_XT ? 0XXS-?vbX-#ggdd  8UdXXd8ISIS,.      ( $ Figure  1  (Z3.$ !ISUS.,,,..TRW6&A4X3' Letter 6&A4\X_X3'LetterTXSXXXTRW6&A4W6&A4 6&A4 6&A4\X_XT ? 0XXS-?vbX-#ggdd  8UdXXd8ISIS,.       d <c+f :Outline012_1  { /%W W <DL/23  ..  2( 4 <DL2  (M(m$2JT  0  .3  0  <`+f :Outline012_2   ," <DL,23  ..  2( 4 <DL2  (O;$0  2#  a  .3  0` (#(# cf I&mage <=8C HKKKK(u$0  0` (#(#` `  2  a  .3  0` (#` (#<]+f :Outline012_3 j + ) <DL)23  ..  2( 4 <DL2 j (`$0  0` (#(#0 ` (#` (#0 (# (#"h2  0  .3  0(#(#<Z+f :Outline012_4   &__DL&23  ..  2( 4 <DL2  3#37=CIQYag1.a.i.(1)(a)(i)1)a)<W+f :Outline012_5   #DL#23  ..  2( 4 <DL2  <T+f :Outline012_6 j 3  DL 23  ..  2( 4 <DL2 j <Q+f :Outline012_7   ggL23  ..  2( 4 <DL2  <N+f :Outline012_8   L23  ..  2( 4 <DL2  <K+f :Outline012_9 j ;  L23  ..  2( 4 <DL2 j <c+f :Outline013_1  X /%4 4 <DL/23  ..  2( 4 <DL2  < :Outline013_2   ," <DL,A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  2( 4 <DL2  <]+f :Outline013_3   ) <DL)23  ..  2( 4 <DL2  <Z+f :Outline013_4  ` &<<DL&23  ..  2( 4 <DL2  <W+f :Outline013_5   #DL#23  ..  2( 4 <DL2  <T+f :Outline013_6    DL 23  ..  2( 4 <DL2  <Q+f :Outline013_7  h DDL23  ..  2( 4 <DL2  <N+f :Outline013_8   L23  ..  2( 4 <DL2  <K+f :Outline013_9    L23  ..  2( 4 <DL2  <f+f :Outline014_1   2( 4 <DL223  ..  2( 4 <DL2  <c+f :Outline014_2  q /%M M <DL/23  ..  2( 4 <DL2  <`+f :Outline014_3 j  ," <DL,23  ..  2( 4 <DL2 j <]+f :Outline014_4  ! ) <DL)23  ..  2( 4 <DL2  <Z+f :Outline014_5  y &UUDL&23  ..  2( 4 <DL2  qi)<W+f :Outline014_6 j  #DL#23  ..  2( 4 <DL2 j <T+f :Outline014_7  )  DL 23  ..  2( 4 <DL2  <Q+f :Outline014_8   ]]L23  ..  2( 4 <DL2   gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)<N+f :Outline014_9 j  L23  ..  2( 4 <DL2 j <c+f :Outline015_1   /%  <DL/23  ..  2( 4 <DL2  <`+f :Outline015_2  _ ,"; ; <DL,23  ..  2( 4 <DL2  <]+f :Outline015_3 j  ) <DL)23  ..  2( 4 <DL2 j <Z+f :Outline015_4   &DL&23  ..  2( 4 <DL2  <W+f :Outline015_5  g #CCDL#23  ..  2( 4 <DL2  <T+f :Outline015_6 j   DL 23  ..  2( 4 <DL2 j <Q+f :Outline015_7   L23  ..  2( 4 <DL2  <N+f :Outline015_8  o KKL23  ..  2( 4 <DL2  <K+f :Outline015_9 j   L23  ..  2( 4 <DL2 j <c+f :Outline016_1  h /%D D <DL/23  ..  2( 4 <DL2  <`+f :Outline016_2   ,"x x <DL,23  ..  2( 4 <DL2  <]+f :Outline016_3 j  ) <DL)23  ..  2( 4 <DL2 j <Z+f :Outline016_4  L &((DL&23  ..  2( 4 <DL2  <W+f :Outline016_5   #DL#23  ..  2( 4 <DL2  <T+f :Outline016_6 j   DL 23  ..  2( 4 <DL2 j <Q+f :Outline016_7  T 00L23  ..  2( 4 <DL2  <N+f :Outline016_8   L23  ..  2( 4 <DL2  <K+f :Outline016_9 j   L23  ..  2( 4 <DL2 j <f+f :Outline017_1   2( 4 <DL223  ..  2( 4 <DL2  4cp Z "Times Regular<c+f :Outline017_2  q /%M M <DL/23  ..  2( 4 <DL2  <`+f :Outline017_3 j  ," <DL,23  ..  2( 4 <DL2 j <]+f :Outline017_4  ! ) <DL)23  ..  2( 4 <DL2  <Z+f :Outline017_5  y &UUDL&23  ..  2( 4 <DL2  <W+f :Outline017_6 j  #DL#23  ..  2( 4 <DL2 j <T+f :Outline017_7  )  DL 23  ..  2( 4 <DL2  )Hairline d<Q+f :Outline017_8   ]]L23  ..  2( 4 <DL2  <N+f :Outline017_9 j  L23  ..  2( 4 <DL2 j <c+f :Outline018_1  q /%M M <DL/23  ..  2( 4 <DL2  <`+f :Outline018_2   ," <DL,23  ..  2( 4 <DL2  <]+f :Outline018_3   ) <DL)23  ..  2( 4 <DL2  (`H2$ !ISUS.,,,..TRW6&A4X3' Letter 6&A43'LetterTXSXXXTRW6&A4W6&A4 6&A4 6&A4T ? 0XXS-?vbX-#ggdd  8UdXXd8ISIS,.          0  0Ԁ<Z+f :Outline018_4  ` &<<DL&23  ..  2( 4 <DL2  (#$  0  <W+f :Outline018_5   #DL#23  ..  2( 4 <DL2  <T+f :Outline018_6    DL 23  ..  2( 4 <DL2  <Q+f :Outline018_7  h DDL23  ..  2( 4 <DL2  <N+f :Outline018_8   L23  ..  2( 4 <DL2  <K+f :Outline018_9    L23  ..  2( 4 <DL2  <f+f :Outline019_1   2( 4 <DL223  ..  2( 4 <DL2  <c+f :Outline019_2  q /%M M <DL/23  ..  2( 4 <DL2  <`+f :Outline019_3 j  ," <DL,23  ..  2( 4 <DL2 j <]+f :Outline019_4  ! ) <DL)23  ..  2( 4 <DL2  <Z+f :Outline019_5  y &UUDL&23  ..  2( 4 <DL2  <W+f :Outline019_6 j  #DL#23  ..  2( 4 <DL2 j <T+f :Outline019_7  )  DL 23  ..  2( 4 <DL2  <Q+f :Outline019_8   ]]L23  ..  2( 4 <DL2  <N+f :Outline019_9 j  L23  ..  2( 4 <DL2 j <+ :Outline020_123  ..<+ :Outline020_223  ..<+ :Outline020_323  ..<+ :Outline020_423  ..<+ :Outline020_523  ..<+ :Outline020_623  ..<+ :Outline020_723  ..<+ :Outline020_823  ..< :Outline037_123  < :Outline037_223  < :Outline037_323  < :Outline037_423  < :Outline037_523  < :Outline037_623  < :Outline037_723  < :Outline037_823  < :Outline037_923  < :Outline038_123  < :Outline038_223  < :Outline038_323  < :Outline038_423     < :Outline038_523  < :Outline038_623  < :Outline038_723  < :Outline038_823  < :Outline038_923   359=AEIMQ1.P....... 35;AGMSY_2a.a.i.1.a.i.1.a.i. 35;AGMSY_31.a.i.1.a.i.1.a.i. 359=AEIMQ4.........(\ Y`Symbol\  `&Times New Roman.i.i..(hCEKQW]cioAutoList6a.a.a.a.a.a.a.a.a.(hCEKQW]cioAutoList71.1.1.1.1.1.1.1.1.(hCEKQW]cioAutoList81.1.1.1.1.1.1.1.1.( CEKQW]cioAutoList9A.A.A.A.A.A.A.A.A.(գEGMSY_ekqAutoList101.1.1.1.1.1.1.1.1.(:EGMSY_ekqAutoList11A.A.A.A.A.A.A.A.A.(JEGMSY_ekqAutoList12A.A.A.A.A.A.A.A.A.6/ 4Heading 1&&&    &&&20Caption &&& U=Thin Bottomdxd(EGMSY_ekqAutoList131.1.1.1.1.1.1.1.1.(EGMSY_ekqAutoList14a.a.a.a.a.a.a.a.a.(%EGMSY_ekqAutoList15a.a.a.a.a.a.a.a.a.(5EGMSY_ekqAutoList16a.a.a.a.a.a.a.a.a.<%%:Definition T US XXX UK <li:Definition L US XXX , ;1PPP|, 4<D ";  8.$$|, 4<D "8 UK (EEGMSY_ekqAutoList17a.a.a.a.a.a.a.a.(UEGMSY_ekqAutoList18a.a.a.a.a.a.a.a.(eEGMSY_ekqAutoList19a.a.a.a.a.a.a.a.(EGMSY_ekqAutoList20a.a.a.a.a.a.a.a.(xir$0  0` (#(#0 ` (#` (#2#(  0  )3  0 (# (#(F$0  0` (#(#0 ` (#` (#0 (# (#0h(#(#2#(   )3  0h(#h(#($0  0` (#(#0 ` (#` (#0 (# (#0h(#(#0h(#h(#2#  0  )3  0(#(#({$0  0` (#(#0 ` (#` (#0 (# (#0h(#(#0h(#h(#0(#(#2#  a  )3  0p(#(#(F$0  0` (#(#0 ` (#` (#0 (# (#0h(#(#0h(#h(#0(#(#0p(#(#2#     )3  0p(#p(# ikmoh}EGKOSW[_cAutoList22!!!!!!!!)1)a)(EEGMSY_ekqAutoList23a.a.a.a.a.a.a.a.(UEGMSY_ekqAutoList24a.a.a.a.a.a.a.a.(eEGMSY_ekqAutoList25a.a.a.a.a.a.a.a. a.(uEGMSY_ekqAutoList26a.a.a.a.a.a.a.a.a.(EGMSY_ekqAutoList27a.a.a.a.a.a.a.a.a.2J+J 0_level2  X 2( & ~ .6> 223  ..  2(v v& ~ .6> 2  2J+J 0_level3   2( & ~ .6> 223  ..  2(v v& ~ .6> 2  2G+J 0_level4   /%& & & ~ .6> /23  ..  2(v v& ~ .6> 2  2G+J 0_level5   /%R R R ~ .6> /23  ..  2(v v& ~ .6> 2  2D+J 0_level6   ,"~ ~ ~ .6> ,23  ..  2(v v& ~ .6> 2  2D+J 0_level7  4 ," .6> ,23  ..  2(v v& ~ .6> 2  2A+J 0_level8  ` ) .6> )23  ..  2(v v& ~ .6> 2  2A+J 0_level9   ) .6> )23  ..  2(v v& ~ .6> 2  2MJ 0_levsl1  , 5+ & ~ .6> 523  Ԁ  2(v v& ~ .6> 2  2JJ 0_levsl2  X 2( & ~ .6> 223  Ԁ  2(v v& ~ .6> 2  2JJ 0_levsl3   2( & ~ .6> 223  Ԁ  2(v v& ~ .6> 2  2GJ 0_levsl4   /%& & & ~ .6> /23  Ԁ  2(v v& ~ .6> 2  2GJ 0_levsl5   /%R R R ~ .6> /23  Ԁ  2(v v& ~ .6> 2  2DJ 0_levsl6   ,"~ ~ ~ .6> ,23  Ԁ  2(v v& ~ .6> 2  2DJ 0_levsl7  4 ," .6> ,23  Ԁ  2(v v& ~ .6> 2  2AJ 0_levsl8  ` ) .6> )23  Ԁ  2(v v& ~ .6> 2  2AJ 0_levsl9   ) .6> )23  Ԁ  2(v v& ~ .6> 2  2MJ 0_levnl1  , 5+ & ~ .6> 523   2(v v& ~ .6> 2  2JJ 0_levnl2  X 2( & ~ .6> 223   2(v v& ~ .6> 2  2JJ 0_levnl3   2( & ~ .6> 223   2(v v& ~ .6> 2  2GJ 0_levnl4   /%& & & ~ .6> /23   2(v v& ~ .6> 2  2GJ 0_levnl5   /%R R R ~ .6> /23   2(v v& ~ .6> 2  2DJ 0_levnl6   ,"~ ~ ~ .6> ,23   2(v v& ~ .6> 2  2DJ 0_levnl7  4 ," .6> ,23   2(v v& ~ .6> 2  2AJ 0_levnl8  ` ) .6> )23   2(v v& ~ .6> 2  2AJ 0_levnl9   ) .6> )23   2(v v& ~ .6> 2  <zp :Body Text I2 d X  US XXX  /%v v ~ .6> /2(v v& ~ .6> 2 IS   X 622 4Body Text US XXX   IS   <>> :Body Text I1   US XXX   IS    <c :Body Text In   US XXX /%v vK7  > /PFvv& ~ .6> P IS   : 8Body Text 3 US XXXC4\  `Tms RmnC5+v vv& ~ .6> 5J@vv& ~ .6> J IS S\  `&Times New RomanS<%%:Comment Refe US  IS < :Comment Text\  `Tms Rmn !ISUS.,,,..TRW6&A4X3' Letter 6&A43'LetterTX'XXXTRW6&A4W6&A4 6&A4 6&A4T ? $tXX'-?vbX-#ggdd  8$tdd8ISIS,.      _ _ikmo(JT03q57b Xskj.758"476.ml.      ]$tFrumvarptillaga/#$t]y#  X'X$tumbreytingulgumnr.131/1997,um_rafrna_   _eignarskrningu_ԀverWbrfa#$tXX' #X'X$t.#$tXX'#$t$t  r  % K #(LagtfyrirAlYingi135.lggjafarYingi2007!2008.) %    ] 5   ?U?' b dE" ? ] 5    @==!1.gr.     EftirfarandibreytingarverWa15.gr.laganna: a   6(Eh80_ikmo"i(m"  i(mx 2Eh  a  .3  Ԉ0    1._mlsl_.1.mgr.orWastsvo:SeWlabanki0slandstekurviW_innlnum_Ԁfr_reikningsstofn T,  unum_ԀsemaWildeigaaW_verWbrfamiWstW_Ԁogannast_efndalok_Ԁ_greiWslufyrirmla_Ԁ   _greiWslukerfi_ԀvegnaviWskiptameW_rafbrf_Ԁslenskumkr;num.i(mx ݌ Ќ  "i(m"  i(m 2Eh  b  .3  Ԉ0    0staW2.og3.mgr.komaYrjrnUjarmlsgreinarsemorWastsvo:i(m ݌ Ќ  0  0   v Uppgjr_greiWslufyrirmla_ԀvegnaviWskiptameW_rafbrf_ԀsemskrWeruerlendum X gjaldmiWli_verWbrfamiWstW_Ԁhrlandiferframfyrirmilligngu_verWbrfamiWstWvar_. K# _VerWbrfamiWstW_ԀskalgerasamningumslktuppgjrogskalYaW_uppgjrskerfi_Ԁsem  samiWerumhWsamYykki_Fjrmlaeftirlitsins_ԀaWfenginniumsgnSeWlabanka0slands  oguppfyllajafngildarkrfuroggerWarerulgumnr.90/1999,umryggi_greiWslu  fyrirmla_Ԁ_greiWslukerfum_.TryggtskalaW_uppgjrskerfiW_ԀhafirugganaWgangaWviW wO komandigjaldmiWliYannigaWtryggWsuruggog_skilvirk_Ԁ_efndalok_ԀviWskiptanna._VerW B brfamiWstW_ԀerskyltaWhaldaYeimfjrmunumsemhntekurviWfr_reikningsstofn   unum_Ԁvegna_uppgjrs_Ԁ_srgreindum_Ԁfreiginfjrmunumsem_vrsluf_. 0  0   v _VerWbrfamiWstW_ԀskalsetjareglurumuppgjrviWskiptameW_rafbrf_Ԁogskuluregl { urnarhlj;tasamYykki_Fjrmlaeftirlitsins_ԀaWhfWusamrWiviWSeWlabanka0slands.nF 0  0   v SkipaskalsamrWsnefnd_verWbrfamiWstWva_,_kauphalla_,_Fjrmlaeftirlitsins_Ԁog 9  SeWlabanka0slandsogskiparhveraWilieinnfulltranefndina.SeWlabanki0slandsfer ! meWformennskunefndinni.HlutverksamrWsnefndareraWfjallaumsamskipti_verW " brfamiWstWva_,_kauphalla_ԀogSeWlabankanstengslumviWfrgangviWskipta.r# @==!2.gr. 0!%   LgYessiWlastYegargildi. !& @ #dggAthugasemdirviW_lagafrumvarp_ԀYetta.#ggd Ԉ #i( @Hinn19.desember2007skipaWiviWskiptarWherranefndtilaWfarayfirlagakvWier \$4 ) varWauppgjr_innlends_ԀhlutafjrsemskrWererlendrimynt. '% *   0nefndinavoruskipuWJ;nSigurWsson,fyrrverandibankastj;riNorrna_fjrfestingabank %!+ ans_,formaWur,BjrgFinnbogad;ttir,lgfrWingur_viWskiptarWuneytinu_,EinarSigurj;ns &", son,framkvmdastj;ri_VerWbrfaskrningar_Ԁ0slandshf.,GuWmundur_Kr_.T;masson,staW '`#- gengillframkvmdastj;ra_fjrmlasviWs_ԀSeWlabanka0slands,HelgiSigurWsson,fram S(+$. b     kvmdastj;ri_lgfrWisviWs_Ԁ_KaupYings_,J;nas_Fr_.J;nsson,forstj;ri_Fjrmlaeftirlitsins_,og ( SigrWur_Logad;ttir_,_aWallgfrWingur_ԀSeWlabanka0slands.    NefndinskilaWilitisnuogtillgumtilviWskiptarWherra27.febrar2008ogerfrum  varpYettabyggttillgumhennar. a   0_skipunarbrfi_ԀnefndarinnarsegiraWhlutverkhennarsaWfarayfirlagakvWiervarWa T, uppgjr_innlends_ԀhlutafjrsemskrWererlendrimynt._Hlutaflagalg_,nr.2/1995,heimila  hlutaflgumsemfengiWhafasamYykkifyrirskrninguskipulegum_verWbrfamarkaWi_ԀaW  kveWahlutafsitterlendumgjaldmiWli.Samagildirumnnur_hlutaflg_ԀsemfengiWhafa   heimild_rsreikningaskrr_ԀtilaWfrab;khaldogsemjarsreikningaerlendumgjaldmiWli.  X kvrWunumYaWhvorthlutafskuliskrWerlendrimynterlgunumfaliW_hluthafafundi_. K #  HlutafmsamkvmtlgunumkveWaeftirtldum_gjaldmiWlum_Ԁaukslenskukr;nunnar:    _evru_,breskupundi,danskri,norskriogsnskrikr;nu,Bandarkjadal,japnsku_jeni_Ԁog    svissneskumfranka.kveWihlutaflagaWskrhlutafsitterlendumgjaldmiWlikveWur2.   mgr.27.gr._hlutaflagalaganna_Ԁum_innkllun_ԀtgefinnahlutabrfaogtgfunUrrabrfa wO  YeirrastaWhinumnUjagjaldmiWli.GreininkveWurbeinlnisumaWsambrilegarbreyt B  ingarskuligerasum_rafrna_ԀskrninguhlutumaWrWa.XvverWurekkiannaWsWenaW    ekkertsYvtilfyrirstWuaWhlutabrfmegiskrerlendumgjaldmiWlislenskri_verW   brfamiWstW_.0WrumlgumerekkiaWfinnaneinatakmrkunYvhvaWagjaldmiWli {  skuldabrfeWannurverWbrfskuligefint.0lgumnr.131/1997,um_rafrna_Ԁ_eignar nF skrningu_ԀverWbrfa,erheldurekkiaWfinnakvWisemtakmarkaskrninguverWbrfaviW 9 kveWinngjaldmiWilslenskri_verWbrfamiWstW_.XaWerYvekki_skrningin_Ԁsemveldur  vandahvaWvarWarviWskiptimeWverWbrfsemskrWeruerlendumgjaldmiWlihjslenskri  _verWbrfamiWstW_Ԁheldurhvaroghvernig_peningalegt_ԀuppgjrslkraviWskiptaskulifarafram r YannigaWfyllstaryggissgtt.NefndinvarYessvegnasammlaumaWfjallaumuppgjr e= allra_rafrnt_ԀskrWraverWbrfaerlendumgjaldmiWlieinulagi. 0   0frumvarpinuerlagttilaWgera_peningalegt_ԀuppgjrverWbrfasemskrWeruerlendum  _gjaldmiWlum_Ԁslenskri_verWbrfamiWstW_ԀmgulegtmeWYvaWbtakvWumumY_upp  gjrsleiW_Ԁinn15.gr.laganr.131/1997,aW_verWbrfamiWstW_Ԁhafimillignguumuppgjr i slkraverWbrfa. \4   Samkvmt1.mgr.15.gr.laganr.131/1997erSeWlabanka0slandsfaliWaWannast_efnda ' lok_,_Y.e._Ԁendanlegt_greiWsluuppgjr_,_rafbrfaviWskipta_Ԁ_reikningsstofnana_ԀsemaWildeigaaW  _verWbrfamiWstW_.0greininnieruverWbrfskrWerlendumgjaldmiWliekkinefndsrstak  lega.EWlilegtvirWistaWskiljalagakvWiWYannigaWYaWeigifyrstogfremstviWuppgjr `  viWskiptameWverWbrfslenskumkr;num.XannigereyWaslenskrilggjfhvaWvarWar S+! uppgjrverWbrfasemskrWeruerlendrimyntsemveldur;vissuogtefurframgangviW " skiptameWslkverWbrfhrlandi.Xarsemallmrgslensk_hlutaflg_ԀsemskrWeru_verW # brfamarkaWi_Ԁ_Kauphallar_Ԁ0slandshafaYegarfengiWheimild_hluthafafunda_ԀtilYessaWkveWa  $ hlutafsitterlendumgjaldmiWliogviWYverbistaWfleiribtisth;pinnerbrUntaWsetja !W% semfyrstkvWislensklgumuppgjrviWskiptameWverWbrfsemskrWeruerlendum J""& _gjaldmiWlum_ԀsvoaWslkviWskiptigetifariWskipulegaogrugglegaframmeWmilligngu #' slenskra_verWbrfamiWstWva_. #(   TilaWeyWasemfyrst;vissuumYaWhvaWareglurgildaumuppgjrslenskraverWbrfa $ ) semskrWeruerlendrimynterufrumvarpinugerWartillgurumYr_lgmarksbreytingar_ v%N!* 15.gr.laganr.131/1997semgeraYarftilYessaWtryggtsaWtilhgun_uppgjrs_Ԁslkum A&"+ viWskiptumuppfyllistrngustuslenskarogalYj;Wlegarkrfurumryggi_greiWslufyrirmla_  '", og_greiWslukerfa_ԀogjafnframtaWsaWilisemveraskalbakhjarl_endanlegs_Ԁ_greiWsluuppgjrs_ '#- hafirugganaWgangaWfjrmunum_skrningargjaldmiWli_Ԁ_verWbrfanna_ԀsemumeraWrWa (z$. hverjusinni.Enlj;steraWYrfervWtkriskoWunogsamrmingukvWumslenskra ( lagaumuppgjrog_efndalok_Ԁ_verWbrfaviWskipta_ԀnstunnivegnabreyttraaWstWnaslkum  viWskiptumvegna_alYj;WavWingar_Ԁog_tknibreytinga_.  Ѐ  0frumvarpinuerlagttilaWtvrefnislegarbreytingarverWigerWar15.gr.laganr.131/ a 1997.AnnarsvegaraWskUrtstekiWframaWfyrstamlsgreingreinarinnareigieingnguviW T, umverWbrfslenskumkr;num.HinsvegaraWbttverWiviWnUrrimlsgreingreininasem  kveWiumrugganfarvegfyrir_fullnaWaruppgjr_ԀviWskiptameWverWbrfsemskrWeru  erlendrimynt.XessitilhgunverWihWsamYykki_Fjrmlaeftirlitsins_ԀaWfenginniumsgn   SeWlabanka0slandsoguppfyllijafngildarkrfuroggerWarerulgumnr.90/1999,umr  X yggi_greiWslufyrirmla_Ԁ_greiWslukerfum_.EinnigergerWtillagaumskUrkvWiumeignar K #  hald_viWskiptaaWila_Ԁfjrmunumvrslu_verWbrfamiWstWva_Ԁogumsetningureglnaumupp    gjr_verWbrfaviWskipta_ԀogumsamrWsnefndfyrirtkjaogstofnanasviWi_verWbrfaviW    skipta_ԀtilYessaWfjallaummlefnitengduppgjriogfrgangi.   @ AthugasemdirviWeinstakargreinarfrumvarpsins. B  @ @@ Um1.gr.      Greininfelursrtvrefnislegarbreytingar.     0fyrstalagierlagttilaW_efndalok_Ԁ_rafbrfa_Ԁslenskumkr;numverWimeW;breyttumhtti, {  _Y.e._ԀfariframmeWtilstuWlan_st;rgreiWslukerfis_ԀSeWlabanka0slands.BttverWiinn1._mlsl_. nF 1.mgr.orWunum?_greiWslufyrirmli_Ԁ_greiWslukerfi_ԀvegnaviWskipta8slenskumkr;num . 9   0WrulagierlagttilaWbttverWiinnnUrrimlsgreinsemverWi2.mgr.15.gr.TilaWgera  _peningalegt_ԀuppgjrverWbrfaskrWerlendum_gjaldmiWlum_ԀmgulegterfarinsleiWaW  _verWbrfamiWstW_Ԁhafimillignguum_uppgjriW_.GerterrWfyrirYvaW_verWbrfamiWstWin_ r semjiviW_samstarfsaWila_Ԁumtilhgun_greiWsluuppgjrs_Ԁogsemjium_uppgjrskerfi_Ԁsem_efnda e= lok_Ԁfarifram.XessitilhgunskalhWsamYykki_Fjrmlaeftirlitsins_ԀaWfenginniumsgn 0 SeWlabanka0slands.MjgmikilvgteraW_greiWslukerfi_ԀsemumersamiWuppfylliannars  vegarkrfurlaganr.90/1999,umryggi_greiWslufyrirmla_Ԁ_greiWslukerfum_,_Y.e._Ԁ_samevr  ;pskar_ԀrttarreglurumYaWhvenr_greiWslufyrirmli_Ԁog_greiWslujfnun_Ԁerubindandigagnvart i YriWjamanniYrttfyriraWbYtttakandastekiWtil_gjaldYrotaskipta_Ԁoghinsvegartilmli \4 _AlYj;WagreiWslubankans_ԀogAlYj;Wasamtaka_verWbrfaeftirlitsstofnana_Ԁ(e.BankforInter ' nationalSettlements!BIS)ogInternationalOrganizationofSecuritiesCommissions!  _IOSCO_Ԁum_verWbrfauppgjrskerfi_Ԁ(e._Recommendations_Ԁfor_securities_Ԁ_settlement_Ԁ_systems_,  _November_Ԁ2001). `    MismunandileiWirerumgulegartilaWannast_efndalok_Ԁ_peningalegs_Ԁ_uppgjrs_Ԁ_verWbrfa S+! viWskipta_.XaWfyrirkomulagsemnernotaWviW_peningalegt_Ԁuppgjr_verWbrfaviWskipta_Ԁ " slenskumkr;numeraWSeWlabanki0slandstekurviW_innborgunum_Ԁ(_innlnum_)reikninga # Yeirra_reikningsstofnana_ԀsemaWildeigaaW_verWbrfauppgjrinu_Ԁ(sbr.1.mgr.15gr.).SeWla  $ bankinnannastsWan_peningalegt_Ԁuppgjrmilli_reikningsstofnana_Ԁgrundvelli_greiWslufyrir !W% mla_Ԁfr_verWbrfamiWstW_ԀenYau_greiWslufyrirmli_Ԁgrundvallast_staWfestum_Ԁ_verWbrfa J""& viWskiptum_Ԁ_reikningsstofnana_.SamtmisYvsem_peningalegt_Ԁuppgjr_undirliggjandi_Ԁ_verW #' brfaviWskipta_Ԁferframannast_verWbrfamiWstW_ԀmillifrsluYeirraverWbrfasemumrWir #( af_verWbrfareikningum_Ԁseljendahj_verWbrfamiWstW_Ԁ(_VS_-reikningum)yfir_VS_-reikninga $ ) kaupanda.XettafyrirkomulagfelursraWhvorkipeningarn_rafbrf_Ԁeru_uppgjrsferlinu_ v%N!* vistuWreikningumnafni_verWbrfamiWstWvar_.&  PeningarogverWbrferuhrvalltaWskilin A&"+ fjrhagslegristWu_verWbrfamiWstWvar_.'A&W  '",   AnnaWfyrirkomulagsemnotaWerviW_peningalegt_Ԁuppgjr_verWbrfaviWskipta_ԀeraWYr '#- _reikningsstofnanir_Ԁsemhluteigaleggiframfjrmunitil_verWbrfamiWstWvar_Ԁermikilvgt (z$. aWYeimfjrmunumshaldiWaWgreindumfreiginfjrmunum_verWbrfamiWstWvarinnar_Ԁog ( srstkum_vrslureikningum_.Slkt_uppgjrsfyrirkomulag_ԀfelursraW_reikningsstofnanir_  (_nett;kaupendur_ԀverWbrfa)leggja_tilskilda_ԀfjrhWinnsrstakan_uppgjrsreikning_Ԁnafni  _verWbrfamiWstWvar_._VerWbrfamiWstW_ԀannastsWantborgunYessarafjrmunatil_nett; a seljanda_Ԁ_verWbrfanna_ԀsamtmisYvsem_verWbrfamiWstW_Ԁ_millifrir_Ԁ_verWbrfin_Ԁaf_VS_-reikn T, ingumseljendayfir_VS_-reikningakaupenda.0Yessutilvikierupeningarsemkaupendur  eigaaWgreiWaseljendumvistaWirumskammahrWreikningisemskrWurersemeign_verW  brfamiWstWvar_.XessirfjrmunirverWahinsvegaraldreieignviWkomandi_verWbrfamiW   stWvar_,YarsemYeireigaalfariWaWrennatilseljandaYeirraverWbrfasemumrWirhverju  X sinni.NauWsynlegteraWtakaafallanvafaYessuefniogber_verWbrfamiWstW_ԀsemaWild K #  aWslku_peningalegu_Ԁ_uppgjrsferli_ԀaWhaldaYessumfjrmunumaWgreindumfreiginf.      0greininnierlagttilaWbttverWiviWnUrrimlsgreinsemverWi3.mgr.15.gr.samYykkt.    0mlsgreininnierlagttilaW_verWbrfamiWstW_ԀskulisetjannarireglurumuppgjrviWskipta   meW_rafbrf_Ԁsem_FjrmlaeftirlitiW_ԀsamYykkiraWhfWusamrWiviWSeWlabankann._VerW wO  brfamiWstWvar_Ԁeru_eftirlitsskyldir_ԀaWilargagnvart_Fjrmlaeftirlitinu_ԀenSeWlabankinnsetur B  reglurum_greiWslukerfi_ԀoghefuryfirsUnyfirllkerfislegamikilvg_greiWslukerfi_._Fjrmla    eftirlitiW_ԀhefureftirlitmeWinnraskipulagihjeinstkumYtttakendum_greiWslukerfa_Ԁogfram   kvmdYeirrareglumsemgildaumgreiWslu-og_uppgjrskerfi_.SeWlabankinnog_Fjrmla {  eftirlitiW_ԀhafagengiWfrsrstkum_samstarfssamningi_ԀYarsem_m.a._Ԁ_hlutverkaskipti_ԀYessara nF _eftirlitsaWila_ԀeruskilgreindnnarogkveWiWummiWlunupplUsinga. 9   LgWertilbreytingngildandi2.mgr.15.gr.grundvelli2.mgr.15.gr.gildandilaga  starfarsamrWsnefndfulltra_verWbrfamiWstWva_,_kauphalla_ԀogSeWlabanka0slands.Hlutverk  nefndarinnareraWfjallaumsamskipti_verWbrfamiWstWva_,_kauphalla_ԀogSeWlabanka0slands r tengslumviWfrgangviWskipta.MeWvsantil_eftirlitshlutverks_Ԁ_Fjrmlaeftirlitsins_Ԁerlagt e= tilaWYaWeigijafnframtfulltraYessarinefnd. 0   AWlokumerlagttilgreininniaW3.mgr.15.gr.fallibrottenhnerYessefnisaWSeWla  bankinngetibeitt_reikningsstofnanir_ԀviWurlgumskv.41.gr.laganr.36/1986,umSeWla  banka0slands,skvrWunumbankansYessumefnumekki_hltt_.Lgnr.36/2001hafaleyst i afh;lmieldrilgumSeWlabankann. \4 @ Um2.gr.    GreininYarfnastekkiskUringa.   _Fylgiskjal_. " cAU?) dE? A^c  # FjrmlarWuneyti,  $ fjrlagaskrifstofa: !W%    Umsgnumfrumvarptillagaumbreytingulgumnr.131/1997, #' um_rafrna_Ԁ_eignarskrningu_ԀverWbrfa. #(  o  0frumvarpinuerulagWartiltvrefnislegarbreytingar15.gr.laganr.131/1997.Annars $ ) vegaraWskUrtstekiWframaWfyrstamlsgreingreinarinnareigieingnguviWumverWbrf v%N!* slenskumkr;num.HinsvegaraWbttverWiviWnUrrimlsgreingreininasemkveWium A&"+ rugganfarvegfyrirfullnaWaruppgjrviWskiptameWverWbrfsemskrWeruerlendrimynt.  '", XerlagttilaWverWbrfamiWstWhafimillignguumuppgjrslkrabrfa. '#-   VerWifrumvarpiW;breyttaWlgummunYaWekkihafahriftekjureWagjld_rkissj;Ws._