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X   EftirfarandibreytingarverWa6._tlul_.3.gr.laganna: K#  (g00"i(m"  i(m# 2g  a  .3  Ԉ0    Fyrirsgn_orWskUringarinnar_ԀorWastsvo:AWilisviWi_fjrvrslu_Ԁog_fyrirtkjaYj;nustu_.i(m# P ݌ Ќ  "i(m"  i(m2g  b  .3  Ԉ0    ViWbtistnUr_stafliWur_,svohlj;Wandi:_skattarWgjf_.i(m݌ Ќ  @==!3.gr. wO   ViW7.gr.lagannabtistnUmlsgrein,svohlj;Wandi: B   AukYeirratilvikasemnefnderuIII.kafla,umauknarkrfurtilknnunarreiWanleika   upplUsingaum_viWskiptamann_,er_tilkynningarskyldum_ԀaWilavalltskyltaWgeraauknar  krfurtilknnunarreiWanleikaupplUsingaum_viWskiptamann_ԀYegaraWstWurerueWli { snuYannigaWaukinhttaer,samkvmt_httumati_,_peningaYvtti_ԀeWafjrmgnun nF hryWjuverka.SkalY,viWstofnun_samningssambands_ԀeWaWuren_millifrsla_Ԁerframkvmd, 9  aflaW_viWb;targagna_Ԁum_viWskiptamann_ԀogYesskrafistaWfyrstafrslaverWiframkvmd ! nafniviWkomandi_viWskiptamanns_ԀogafreikningierhannhefursjlfurstofnaWtilstarfandi " _fjrmlafyrirtki_. r# @==!4.gr. 0!%   Fyrri_mlsliWur_Ԁa-liWar1.mgr.15.gr.lagannaorWastsvo:LgaWilarsemfallaundira-liW !& 1.mgr.2.gr.,_lftryggingaflg_ԀogsamsvarandilgaWilarsemhlotiWhafastarfsleyfiEvr "' ;pskaefnahagssvWinu. #i( @==!5.gr. '% *   0staWorWanna?g!i-liW1.mgr.2.gr. sWarimlsliW3.mgr.17.gr.lagannakemur:g-liW %!+ 1.mgr.2.gr.ogYeirsemnefndireruk-liWsmumlsgreinarYegarYeirveitaYj;nustuskv. &", f-liW6._tlul_.3.gr. '`#-  S(+$. _@==!6.gr. (   ViW2.mgr.23.gr.lagannabtistnUrmlsliWur,svohlj;Wandi:Stundieinstaklingursr  frWistrf,semlaunamaWur,hjtilkynningarskyldumaWilaskuluskyldurYrsemgreinin  kveWurumeigaviWumhinntilkynningarskyldaaWilaenekkiumviWkomandilaunamann. a @==!7.gr.    3.mgr.24.gr.lagannaorWastsvo:    AWilarsemtilgreindirerua!c-liW1.mgr.2.gr.skulusjtilYessaWtibYeirraog   d;tturflgrkjumutanEvr;pskaefnahagssvWisinssetjisrskriflegarinnrireglursam  X brilegarYeimsemkrafister1.mgr.23.gr. K #  @==!8.gr.      EftirfarandibreytingarverWa28.gr.laganna:   ! ! (g00"i(m"  i(m2g  a  .3  Ԉ0    1.tlul.fellurbrott.i(m݌wO  Ќ  "i(m"  i(m2g  b  .3  Ԉ0    ViWbtistnUrtluliWursemorWastsvo:srstakarreglurumbannviWYvaWtilkynn B  ingarskyldiraWilarmiWliupplUsingumtileinstaklingaeWalgaWilasemhafatengslviW    rkieWarkjasvWisemekkihafasambrilegarreglurumaWgerWirgegnpeningaYvtti   ogfjrmgnunhryWjuverkaoglgYessimlafyrirum.i(m݌{  Ќ  @==!9.gr. 9   LgYessiWlastYegargildi.  @ #dggAthugasemdirviWlagafrumvarpYetta.#ggd!Ԉ r   MeWtilkomulagaumaWgerWirgegnpeningaYvttiogfjrmgnunhryWjuverka,nr. e= 64/2006,voruinnleiddkvWitilskipunarEvr;puYingsinsogrWsins2005/60/EBfr26. 0 okt;ber2005.    vorYingi2008varlgumnr.64/2006breytt,sbr.lgnr.77/2008.Breytingarnart;ku  miWafathugasemdumsemhinnalYj;Wlegiframkvmdah;purFATF(e.FinancialAction i TaskForce(onMeasuresagainstMoneyLaunderingandTerroristFinancing))gerWiviW \4 slensktregluverkYessusviWittektsinniriW2006.0slandhefurveriWaWiliaWFATFfr ' rinu1991ogerYvskuldbundiWtilaWsamrmalggjfsnaogstarfsregluraWtillgum  FATF.    SkmmueftiraWfrumvarpYaWervarWaWlgumnr.77/2008hafWiveriWsamYykktsem `  lgafAlYingi,voriW2008,brustslenskumstj;rnvldumathugasemdirfrEftirlitsstofnun S+! EFTA,ESA(e.EFTASurveillanceAuthority),vegnaatriWaervarWainnleiWingutilskipunar " Evr;puYingsinsogrWsins2005/60/EBmeWlgumnr.64/2006.FrumvarpiYessuertlaW # aWkomatilm;tsviWYessarathugasemdirESA.  $ @ AthugasemdirviWeinstakargreinarfrumvarpsins. J""& @ Um1.gr. #'   0a-liWgreinarinnarerlagttilaWh-liWur1.mgr.2.gr.lagannaverWifelldurbrott,enYar #( erkveWiWumaWundirlginfalliaWrireinstaklingaroglgaWilar,t.d.skattarWgjafareWa $ ) aWrirutanaWkomandirWgjafar,YegarYeirsjumeWakomaframfyrirhndumbj;Wandasns v%N!* hverskynsfjrmla-eWafasteignaviWskiptumeWaYegarYeiraWstoWaviWskipulagningueWa A&"+ framkvmdviWskiptafyrirumbj;WandasinnhvaWvarWarkaupogslufasteignaeWafyrir  '", tkja,sjumumsUslupeninga,verWbrfaeWaannarraeignaumbj;Wandasns,opnaeWahafa '#- umsj;nmeWbanka-,spari-eWaverWbrfareikningum,tveganauWsynlegtfjrmagntilaW ( stofna,rekaeWastUrafyrirtkjumeWastofna,rekaeWastUrafjrvrslusj;Wum,fyrirtkjum  ogYekkumaWilum,sbr.h-liW,sbr.einnigf-liW1.mgr.2.gr.laganna.MeWtillgunnier  komiWtilm;tsviWathugasemdESAsemertvYtt.AnnarsvegarsneriathugasemdinaWYv a aWskv.a-liW3.tlul.1.mgr.2.gr.tilskipunarinnarYgildirhnumskattarWgjafaalmennt T, (e.taxadvisors)enekkieinungisumskattarWgjafaframangreindumtilvikum.0Yessu  sambandiYarfY;aWhafahugaaWeinsogmlumernhttaWhrlendisYnUturstarfsheitiW  skattarWgjafi(e.taxadvisor)ekkilgverndar.Xrttfyrirframangreint,Y.e.aWskattarWgjaf   arsuekkitilhrlandisemlgvarinsttt,erY;ekki;algengtaWlgfrWingarogendur  X skoWendur,semsrhfthafasigskattartti,veitislkarWgjf.SkattarWgjfgeturt.d. K #  hugsanlegaveriWveittafaWilumsviWifjrvrsluogfyrirtkjaYj;nustu,sbr.k-liW1.mgr.    2.gr.laganna,sbr.einnigskilgreiningu3.gr.lagannaenfrumvarpinuer,2.gr.,gerW    tillagaumbreytingar6.tlul.3.gr.lagannasemtekurmiWafYeimmguleika.     HinsvegarsneriathugasemdESAaWYvaWlginniekkitilYeirrasemslenskri wO  YUWingutilskipunarinnarerukallaWir?lggiltirb;karar (e.externalaccountants).Hgtvri B  aWsjfyrirsraWYeimsemlokiWhafaviWskiptafrWinmiafreikningsskilasviWieWahafa    starfsreynslusviWireikningsskilamttijafnatilYeirrasemfallaundirenskahugtakiW   ?externalaccountants .0Noregiert.d.hgtaWskjaumtilFjrmlaeftirlitsins(Kredit {  tilsynet)aWfviWurkenningusem?externalaccountant .TilaWfslkaviWurkenninguYarf nF viWkomandiaWhafalokiWBA-pr;fiviWskiptafrWumsamtYvaWhafatveggjarastarfs 9 reynslureikningsskilasviWi.StarfsheitiW?externalaccountants erekkitilhrlandisem  lgverndaWstarfsheiti.XaWnrt.d.ekkitilYeirrasemfengiWhafaleyfitilaWkallasig  ?viWurkenndab;kara skv.43.gr.lagaumb;khald,nr.145/1994. r   AWframansgWumsjaWhvorkiskattarWgjafarn?externalaccountants erutilhr e= landisemlgvarWarstttir.EkkiYykirYvstWatilaWfellaYessaaWilaundirgildissviW 0 lagannaogerYvfrumvarpiYessugertaWtillguaWh-liWur1.mgr.2.gr.lagannaverWi  felldurbrott.    SamhliWaYeimbreytingumsemlagWarerutil2.gr.YessafrumvarpsYykirrtt,b-liW1. i gr.frumvarpsins,aWgeratillguumbreyttorWalagumYsemfallaundirgildissviWlaganna \4 ogtilYessahafaveriWkallaWirYj;nustuaWilarsviWifjrvrsluogfyrirtkjaYj;nustu.Efnis ' legbreytingerenginheldurYykir;YarftaWtvtakaorWiW?Yj;nusta YarsemaWsegjamaW  umsaWrWaklifunslenskumli,Y.e.endurtekninguYessaorWs.TillagangerirrWfyrir  YvaWeftirleiWisverWistuWstviWorWalagiWaWilarsviWifjrvrsluogfyrirtkjaYj;nustu. `  @ Um2.gr. "   SamhliWatillgufrumvarpsinsumaWfellaniWurh-liW1.mgr.2.gr.laganna,sbr.1.gr. # Yessafrumvarps,YykirrttaWgeratillguumnUjanstafliW,f-liW,orWskUringunniYj;n  $ ustuaWilisviWifjrvrsluogfyrirtkjaYj;nustu6.tlul.3.gr.laganna.MeWYvaWgerW !W% ertillagaumaWeinstaklingureWalgaWili,semveitirYj;nustusviWiskattarWgjafar,gegn J""& gjaldifalliundirorWskUringunaYykirtryggtaWYeirsem,gegngjaldi,veitaskattarWgjf,falli #' undirgildissviWlaganna.NnarvsastumYettaatriWitilYesssemhraWframansegirum1. #( gr.frumvarpsins. $ )   XerlgWtilsbreyting6.tlul.3.gr.lagannaaWeftirleiWisverWistuWstviWorWalagiW v%N!* aWilisviWifjrvrsluogfyrirtkjaYj;nustustaWorWalagsinsYj;nustuaWilisviWi A&"+ &  fjrvrsluogfyrirtkjaYj;nustu.EkkierumefnislegabreytinguaWrWaogvsasttilYess  '", semumYettaatriWisegirathugasemdviW1.gr.frumvarpsins.' '@ '#- Ї@ Um3.gr. (   0athugasemdumsnumbendirEftirlitsstofnunEFTA(ESA)aWskv.1.mgr.13.gr.til  skipunarinnarskulitilkynningarskyldiraWilargeraauknarkrfurtilknnunarreiWanleika  upplUsingaumviWskiptamannYegaraWstWurerueWlisnuYannigaWaukinhttaer, a samkvmthttumati,peningaYvttieWafjrmgnunhryWjuverka.StofnuninbendiraW T, YrttfyrirkvWiIII.kaflalagannavantilginalmenntkvWisemgerikrfuumaWvallt  skuligeraauknarkrfurtilknnunarreiWanleikaupplUsingaumviWskiptamannYegar  aWstWurerumeWframangreindumhtti.0III.kaflalagannaerkveWiWumaWtWskuli   geraauknarkrfurtilknnunarreiWanleikaupplUsingaumviWskiptamannYegarumeraW  X rWafjarslu(e.distanceselling),millibankaviWskiptum(e.correspondentbanking),Yegar K #  umeraWrWaeinstaklingahttuh;pivegnastj;rnmlalegratengsla(e.politicallyexposed    persons)eWamillibankaviWskiptumviWlnastofnunnraunverulegrarstarfsemi(e.shell    banks).     Xarsem7.gr.ngildandilagaberyfirskriftina?httumat YykireWlilegast,tilaWkomiW wO  verWitilm;tsviWathugasemdESAaWYessuleyti,aWgeratillguumaWhinnialmennukrfu B  umframangreintverWibttviW7.gr.lagannasemnUrrimlsgrein.    @ Um4.gr. {    MeWbreytingusemgerWvar15.gr.laganr.64/2006,sbr.11.gr.laganr.77/2008,var nF horfiWfrYvfyrirkomulagiaWheimilatilkynningarskyldumaWilumundanYgurfrkrfum 9 umknnunreiWanleikaviWskiptamanna.XessstaWernheimiltaWbeitaeinfaldaWri  knnunreiWanleikaumtilteknaviWskiptamenn.BreytinginvargerWtilsamrmisviW  tilskipunEvr;puYingsinsogrWsins2005/60/EB,fr26.okt;ber2005. r   XeirribreytingusemnerlgWtilgreininniertlaWaWkomatilm;tsviWathugasemdir e= EftirlitsstofnunarEFTA(ESA)YessefnisaW1.mgr.11.gr.tilskipunarinnarheimiliein 0 faldaWaknnunreiWanleikaYegarviWskiptavinurerlnastofnuneWafjrmlafyrirtki.MeW  YvaWvsaWsb-liW1.mgr.2.gr.lagannasYessekkigttaWlfeyrissj;Wirsuhvorki  skilgreindirsemlnastofnanirnfjrmlafyrirtkiskv.1.mgr.11.gr.tilskipunarinnar.Xar i afleiWiaWtilkynningarskyldumaWilasekkiheimiltaWbeitalfeyrissj;WieinfaldaWri \4 reiWanleikaknnun. ' @ Um5.gr.    0athugasemdumsnumbendirEftirlitsstofnunEFTA(ESA)aW2.mgr.23.gr.tilskip `  unar2005/60/EB,seminnleiddermeW3.mgr.17.gr.laganr.64/2006,niekkitilfasteigna-, S+! fyrirtkja-ogskipasala.TilskipuninheimiliYvekkiYessumaWilumundanYgufrskyld " unnisemYeirhafaskv.1.mgr.17.gr.lagannaensWarimlsliW3.mgr.17.gr.laganna # kemurframaW1.mgr.gildiekkiumupplUsingarsemm.a.fasteigna-,fyrirtkja-ogskipa  $ salarWlastYegarYeirveitalgmannisrfrWirWgjffyrir,meWaneWaeftirlokd;msmls. !W% MeWYvaWvsaWstili-liWar1.mgr.2.gr.lagannasuWurnefndiraWilarundanYegnir J""& skyldunniskv.1.mgr.17.gr.SbreytingsemhrerlgWtil,Y.e.aWfellaniWurtilvsuni-liW #' 1.mgr.2.gr.,miWaraWYvaWkomatilm;tsviWathugasemdESA.Tilskipuninheimilarhins #( vegaraW1.mgr.17.gr.lagannagildiekkiumupplUsingarsemendurskoWendurWlastYegar $ ) Yeir& a veitalgmannisrfrWirWgjffyrir,meWaneWaeftirlokd;msmlsogYverfram, v%N!* sWarimlsliW3.mgr.17.gr.vsaWtilg-liWar1.mgr.2.gr.lagannaumendurskoWendur. A&"+ 'av%S  SamhliWaYeirribreytingusemlgWertil2.gr.YessafrumvarpsYarsemgerWertillaga  '", umaWnUjumf-liWverWibttviWorWskUringunaYj;nustuaWilisviWifjrvrsluogfyrir '#- tkjaYj;nustuvegnaskattarWgjafarerjafnframtlgWtilsbreytingaWsWarimlsliW3. ( mgr.17.gr.verWivsaWtilhinsnUjaf-liWar6.tlul.3.gr.laganna.TillagangerirrWfyriraW  aWilarsviWifjrvrsluogfyrirtkjaYj;nustuYurfiekki,YeimtilvikumYegarYeirveita  skattarWgjf,aWveitaupplUsingarsamkvmttilkynningarskyldunnisemkveWiWerum a 1.mgr.17.gr.lagannaefumeraWrWaupplUsingarsemYessiraWilarhafaWlastYegarYeir T, veitalgmannisrfrWirWgjffyrir,meWaneWaeftirlokd;msmls.Breytingartillagan  tengistjafnframtYeirritillguaWfellaniWurh-liW1.mgr.2.gr.laganna,sbr.1.gr.Yessa  frumvarps.NnarvsastYveinnigtilYesssemsegirum1.gr.frumvarpiYessu.   @ Um6.gr. K #    0greininnierulagWartilbreytingar2.mgr.23.gr.lagannaYarsemkomiWertilm;tsviW    YathugasemdEftirlitsstofnunarEFTA(ESA)aWekkisinnleiddurlgskilnaWurtilskip    unarinnarYessefnisaWstundieinstaklingursrfrWistrf,semlaunamaWurhjtilkynningar   skyldumaWila,skuliskyldurYrsemkveWiWerum23.gr.lagannaeigaviWumhinn wO  tilkynningarskyldaaWilaenekkiumviWkomandilaunamann.TilkynningarskylduraWilier B  skilgreindur5.tlul.3.gr.laganna.    @ Um7.gr. {    BreytinginsemlgWertil3.mgr.24.gr.lagannatekurmiWafathugasemdEftirlits nF stofnunarEFTA(ESA)YessefnisaWtilskipunin(2005/60/EB)heimiliekkiaWskriflegarinnri 9 reglurtibaogd;tturflagalna-ogfjrmlastofnana,rkjumutanEvr;pskaefnahags  svWisins,su?einssambrilegarYvsemregluroglgviWkomandirkisheimila .Regl  urnarskulusambrilegarYeimsemlghrlandiskiljaendamegiellaskiljaYaWsvoaW r efreglurviWkomandirkiseruekkieinsstrangaroghrlendissuminnikrfurgerWartilti e= baogd;tturflagaentillna-ogfjrmlastofnanaaWYessuleyti.MeWYvaWgerWertillaga 0 umaWfelltverWiniWurorWalagiW?eWaeinssambrilegarregluroglgviWkomandirkis  heimila 3.mgr.24.gr.lagannaerkomiWtilm;tsviWYessaathugasemdESA.HafaYarf  hugaaWaWlagageturYurftinnrireglurtibaogd;tturflagaaWlgumviWkomandirkisef i YaufaraekkisamanviWlghrlandi.SbreytingsemhrerlgWtilmundiekkitakmarka \4 slkaaWlgunYarsemgreiningefurslktsvigrmmeWYvaWframervsaWtilYessaWaWilar ' semtilgreindirerua!c-liW1.mgr.2.gr.skulisjtilYessaWtibYeirraogd;tturflg  rkjumutanEvr;pskaefnahagssvWisinssetjisrskriflegarinnrireglursambrilegarYeim  semkrafister1.mgr.23.gr. `  @ Um8.gr. "   0fyrstalagier8.gr.gerWtillagaumaWfelldverWibrottheimildviWskiptarWherratilaW # setjareglugerWfrekarikvWiumundanYgurfrkrfumumknnunreiWanleikaskv.  $ 15.gr.laganna,sbr.1.tlul.28.gr.laganna.MeWtilkomu11.gr.laganr.77/2008breyttist !W% 15.gr.lagaumaWgerWirgegnpeningaYvttiogfjrmgnunhryWjuverka,nr.64/2006.Breyt J""& inginf;lYaWsraWfelldvarniWurheimildtilaWveitaundanYgurfrkrfumumknnun #' reiWanleikaenYessstaWheimilaWaWbeitaeinfaldaWriknnunreiWanleikaumtiltekna #( viWskiptamenn.SamhliWavarbttviWnUrrigreinumtilvikYarsembeitameinfaldaWri $ ) knnunreiWanleikaviWskiptamanna,sbr.12.gr.laganr.77/2008.Xarsemekkierlengur v%N!* heimildlgunumtilaWveitaundanYgurfrkrfumumknnunreiWanleikaenYess A&"+ staWheimilaWaWtilteknumtilvikummegibeitaeinfaldaWriknnunreiWanleikaum  '", tilteknaviWskiptamennYykireWlilegtaWgeratillguumaW1.tlul.28.gr.lagannafallibrott. '#- 6f 6  6    0WrulagiergerWtillagaumaWrWherraverWiheimilaWaWsetjareglugerWsrstakar ( reglurumbannviWYvaWtilkynningarskyldiraWilarmiWliupplUsingumtileinstaklingaeWa  lgaWilasemhafatengslviWrkieWarkjasvWisemekkihafasambrilegarreglurumaW  gerWirgegnpeningaYvttiogfjrmgnunhryWjuverkaoglgYessimlafyrirum.Xrttfyrir a bannviWupplUsingagjf,sbr.20.gr.lagannaogreglugerWarheimildina5.tlul.28.gr.lag T, anna,YykirtillagassemhrerlgWtilveranauWsynlegYarsemEftirlitsstofnunEFTA  (ESA)hefurfundiWaWYvaWekkislitiWtilkvarWanaframkvmdastj;rnarinnarYessu  sambandi.kvWinuerYveinkumtlaWaWltatil29.gr.tilskipunarinnar,Y.e.aWhafifram   kvmdastj;rnintekiWkvrWunumbannviWYvaWtilkynningarskyldiraWilarmiWliupplUs  X ingumtileinstaklingaeWalgaWilasemhafatengslviWrkieWarkjasvWisemekkihafa K #  sambrilegarreglurumaWgerWirgegnpeningaYvttiogfjrmgnunhryWjuverkaoglg    YessimlafyrirumhafirWherraheimildtilaWinnleiWakvrWuninameWsetningureglu    gerWar.RtteraWtakaframaWfulltrislenskrastj;rnvaldastinefndvegumfram   kvmdastj;rnarinnarsemfjallarummlefnitengdaWgerWumgegnpeningaYvttiogfjr wO  mgnunhryWjuverkaennefndYessitekurYrkvarWanirsemhrumrWir. 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