WPC' ]bP YgPYdqL XETt_II3D [;ZV &D/Hv2~ AL%tvP~ J="N_|QKQn& yr{Rdz)dq^v*%Ao`>ML*:n#'Ϥʞ?o!«a5֡utu#MzCET !k@J{ 2n%(bڷ-{ݚV\/k`^"5gozg=\-kFmmkKh lL3f];UN" %p 0v #m F6F| mw4^ ( 06Z 0(B B-j 0; 0D(NFFFFF 1HH 0 0 0 0]u"" 0 "" 00^#^# 0## 1u$$$$ B5%5%5%5%5%5%5%5%5%5%5%5%5%5%5%5% 72R%R%R%R% 1%%%%%%%%%%%%%%%%%%%%%U:%&%&%&%&M_&_&_&_&Dc&&d9 Z6Times New Roman RegularX(`$,..,TRW6&A4W6&A4 6&A4 6&A4T ? 0?vvbX0#ggdd  8dd8ISUS,.     ^^` Adobe PDF 0W:\WP2000\template\SKJRI~3H.WPTW:\WP2000\template\SkjritunY2k.wpt UHgbats2\H 3|x(9$0  0` ""0 ` "` "2  (  1  )3  0 " "8DocumentManagement::ModifiedBooleanTRUE($)Hairline d (%2$ `!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? XX0?vvbX0#ggdd  8dd8ISUS,.     ^^`     0  0  (#$  0    a',..,XFXXX? XXF0?vvbX0#ggdd  ISUS,.   _Ԁikmo!%Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.(3$ `!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? XX0?vvbX0#ggdd  8dd8ISUS,.     ^^`   (3$ `!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? XX0?vvbX0#ggdd  8dd8ISUS,.     ^^`   (3r$ `!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? XX0?vvbX0#ggdd  8dd8ISUS,.     ^^`    d (M0J$2  0  .3  0 ` (0$0  2   d  a   d.3  0` "" d(u$0  0` (#(#` `  2  a  .3  0` (#` (#(`$0  0` (#(#0 ` (#` (#0 (# (#"h2  0  .3  0(#(#3#37=CIQYag1.a.i.(1)(a)(i)1)a) dqi) gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)4cp Z "Times Regular : e),..,XFXXX? XXF0?vvbX0#ggdd  ISUS,.   _>? Ҁ `!,..,XFXXXTRW6&A4X3' Letter 6&A43'LetterT ? XXF0?vvbX0#ggdd  8dd8ISUS,.     ^^`   _ _ikmo(%03q 145.lggjafarYing2015!2016. ( Xingskjal1319"777.ml.     A@ Frumvarptillaga# A #     ummeWferWkr;nueignasemhWarerusrstkumtakmrkunum.   (Eftir2.umrWu,22.ma.) K #    I.KAFLI     AlmennkvWi.    1.gr. wO  MarkmiW. B  K  MarkmiWlagaYessaraeraWstuWlaaWlosunfjrmagnshaftaogskapagrundvllfyrirfrjls    millirkjaviWskiptimeWslenskarkr;nurmeWefnahagsleganstWugleikaogalmannahagaW   leiWarlj;si.0YvskyniermltfyrirummeWferWtiltekinnakr;nueigna,svonefndraaflands {  kr;nueigna.XrverWaframhWarsrstkumtakmrkunumsemertlaWaWdragarhttu nF viWaWnYvmarkmiWilagannasemlUster1.mlsl. 9   2.gr.  OrWskUringar. r Z  0lgumYessumermerkinghugtakasemhrsegir: e= "i0J"  i0J 2%  1  .3  Ԉ0    Aflandskr;nueignir:i0J C ݌0 Ќ  "m"  m 0  0 2%  a  .3  Ԉ0v  InnstWureftirtalinnaaWilaslenskumkr;numhjinnlnsstofnunumhrlandi,  hvortsemYreruraunverulegeignviWkomandieWahannfermeWvrslurfyrirhnd  annars:m ; ݌ivv Ќ  "o`"  o` 0  000v b2%  1  .3  Ԉ0vv  ErlendralgaWilasemhafastarfsleyfieWasinnalgbundinnistarfsemifjr \4 mlamrkuWum,tibaYeirraogd;tturflagaYeirraeigu.o` ' ݌' Ќ  "o`"  o` 0  000v b2%  2  .3  Ԉ0vv  Annarraerlendrastofnanafjrfestasemfjrfestafjrmlagerningum,Y.m.t.  aWilasemfstviWverWbrfuneWannurfjrmgnunarviWskipti.o` ݌ Ќ  "m"  m0  0ww 2%  b  .3  Ԉ0v  FjrmunirfjrvrsluinnlnsreikninginafnigreiWanda,geymslureikningihjinn `  lnsstofnunnafnieigandaeWaumboWsmannshanseWaformisrgreindrareignar S+! krfuhafavrslugreiWanda,endahafiYeirveriWgreiddirYguerlendsaWilasem " eWahefurttkrfuhendurlgaWilasemstthefurslita-eWagjaldYrotaskipta # meWferWeWasemgengiWhefurgegnumendurskipulagningumeWnauWasamningi.m݌ $vv Ќ  "m"  m0  0 2%  c  .3  Ԉ0v  Skuldabrfogvxlar,tgefnirafrkissj;Wi0slandseWameWbyrgWslenskarkisins, !W% slenskumkr;num,eigueWavrsluaWilasemfallaundiraliW.m ݌J""&vv Ќ  "m"  m0  0ww 2%  d  .3  Ԉ0v  HlutdeildarskrteinisemerueigueWavrsluaWilasemfallaundiraliWogtgefin #' slenskumkr;num,verWbrfa-,fjrfestingar-ogfagfjrfestasj;WumYarsemfjr #( fester,beinteWa;beint,fjrmlagerningum,tgefnumafrkissj;Wi0slandseWameW $ ) byrgWslenskarkisins.m݌v%N!*vv Ќ  "m"  m80  0 2%  e  .3  Ԉ0v  Hlutaf,skuldabrfoghverskynsskuldagerningar,tgefnirslenskumkr;numaf A&"+ innlendumaWilumsemhafafariWgegnumendurskipulagningugrundvellinauWa  '", samningssamkvmtlgumumgjaldYrotaskiptio.fl.,eftir28.n;vember2008,eigu '#- erlendralgaWilavegnaumbreytingarkrafnasemYeirfjrfestueftir28.n;vember ( 2008.SamagildirumendurfjrfestinguvegnaandvirWisslkraeignasemseldarhafa  veriW,hvortsemeraWhlutaeWalluleyti.m8e݌vv Ќ  "m"  m0  0 2%  f  .3  Ԉ0v  Hlutaf,skuldabrfoghverskynsskuldagerningar,semvorutgefnirslenskum a kr;numafinnlendumaWilum,endahafifjrfestinginttsrstaWeftir28.n;vember T, 2008oggreiWslaf;rfram,beinteWa;beint,meWttektafreikningislenskumkr;n  umhjerlendufjrmlafyrirtki.m݌vv Ќ  "m"  m0  0ww 2%  g  .3  Ԉ0v  HlutdeildarskrteinisemerueigueWavrsluaWilasemfallaundiraliWogtgefin   eruslenskumkr;num,verWbrfa-,fjrfestingar-ogfagfjrfestasj;WumYarsem  X m.a.erfjrfest,beinteWa;beint,fjrmlagerningum,tgefnumslenskumkr;num K #  afWruminnlendumaWilumenslenskarkinueWaaWilummeWrkisbyrgW,innln    um,reiWufogafleiWum.m?݌  vv Ќ  "m"  m 0  0ww 2%  h  .3  Ԉ0v  SluandvirWieWaaWrargreiWslurvegnaeignaskv.c!gliWsemfallatiltmabilinu   frgildistkulagaYessaratil1.september2016.m 4 ݌wO vv Ќ  "i0J"  i0J!2%  2  .3  Ԉ0    ErlendurlgaWili:LgaWilisemtelstekkiinnlenduraWiliskv.2.tlul.skilgreiningar B  1.gr.lagaumgjaldeyrisml.i0J!!݌   Ќ  "i0J"  i0J2#2%  3  .3  Ԉ0    GjaldeyristboWSeWlabanka0slands:BtboWSeWlabanka0slandsYarsembankinnbUWst   tilaWkaupaslenskarkr;nurskiptumfyrirevrur.i0J2#_#݌{  Ќ  "i0J"  i0J$2%  4  .3  Ԉ0    Innlnsstofnun:ViWskiptabankar,sparisj;Wiroginnlnsdeildirkaupflaga.i0J$%݌nF Ќ  "i0J"  i0J&2%  5  .3  Ԉ0    InnlenduraWili:InnlenduraWilisamkvmtskilgreiningu1.gr.lagaumgjaldeyrisml.i0J&5&݌9 Ќ  "i0J"  i0JG'2%  6  .3  Ԉ0    InnstWubrfSeWlabanka0slands:SkuldabrfsemgefinerutafSeWlabanka0slandstil  innlnsstofnanasemvarWveitaaflandskr;nueignirreikningumhWumsrstkumtak  mrkunumeWatileigendaYeirraskv.aliW1.tlul.i0JG't'݌r Ќ  "i0J"  i0JR)2%  7  .3  Ԉ0    RafrntskrWverWbrf:VerWbrfsemerurafrntskrWsamkvmtlgumumrafrna e= eignarskrninguverWbrfa.i0JR))݌0 Ќ  "i0J"  i0J*2%  8  .3  Ԉ0    ReikningurhWursrstkumtakmrkunum:ReikningurnafnieigandaeWavrsluaWila  aflandskr;nueignaskv.a-ogbliW1.tlul.slenskumkr;numhjinnlnsstofnunhr  landisemauWkenndurskalmeWhfuWb;k21kerfiReiknistofubankannahf.oger i hWursrstkumtakmrkunumsamkvmtlgumYessum.i0J**݌\4 Ќ  "i0J"  i0J6-2%  9  .3  Ԉ0    UmsUslureikningur:EiginreikningurSeWlabanka0slandsYarsemfjrmlagerningareru ' skrWirnafnvrsluaWila.i0J6-c-݌ Ќ  "i0J "  i0J.112%  10  .3  Ԉ0    ViWmiWunargengi:Gengikr;nugagnvartevruYarsemmiWaWerviW220kr;nurm;ti  einnievru.i0J..݌`  Ќ  "i0J "  i0J0112%  11  .3  Ԉ0    ViWskiptavinur:AWilisemveitirvrsluaWilaheimildtilaWkomaframsnunafniogvera S+! skrWurfyrirfjrmlagerningumeWafjrmunum.i0J0J0݌" Ќ  "i0J "  i0J1112%  12  .3  Ԉ0    VrsluaWili:FjrmlafyrirtkisemerheimiltaWvarWveitafjrmlagerningaeiguviW # skiptavinasinna.i0J11݌ $ Ќ  "i0J "  i0J3112%  13  .3  Ԉ0    Vrslureikningur:ReikningurmeWrafrntskrWverWbrfhjvrsluaWila.i0J3I3݌!W% Ќ    3.gr. #' UndanYgur. #( T4  Eftirtaldaraflandskr;nueignireruundanYegnarkvWumlagaYessara: $ ) ! ! _ikmo(%00 _ikmo"i0J"  i0J52%  1  .3  Ԉ0    Xrsemerueigurkisstj;rna,seWlabankaogalYj;Wastofnanasem0slanderaWiliaW.i0J55݌v%N!* Ќ  "i0J"  i0J72%  2  .3  Ԉ0    XrsemerutilkomnarvegnaiWgjaldagreiWslnasamkvmtsamninguminnlendum A&"+ gjaldeyriumviWb;tartryggingaverndtilflunarlfeyrissparnaWarsreignogum  '", sfnunartryggingar,eingreiWslulftryggingarogreglubundinnsparnaWgrundvelli '#- undanYguerlendravtryggingaflagaogerlendravrsluaWilalfeyrisrttindafrtak ( mrkunum3.mgr.13.gr.blagaumgjaldeyrisml.i0J7A7݌ Ќ  "i0J"  i0J92%  3  .3  Ԉ0    XrsemerueiguerlendrarafeyrisfyrirtkjaognUttarerusamkvmtundanYguYeirra  frtakmrkunum1.og2.mgr.13.gr.bog1.og3.mgr.13.gr.clagaumgjaldeyrisml, a YeimtilgangiaWsinnagreiWslumiWlunhrlandi.i0J9 :݌T, Ќ  "i0J"  i0J;2%  4  .3  Ԉ0    XrsemerutilkomnarvegnafjrfestingasemgerWarhafaveriWeftir28.n;vember2008  fyrirnUttinnstreymierlendsgjaldeyrisskilningi2.mgr.13.gr.mlagaumgjaldeyris  ml,Y;ekkiYegarumeraWrWabeinareWa;beinarfjrfestingarafleiWusamningum   ogkrfumhenduraWilumsemstaslita-eWagjaldYrotaskiptameWferWeWalokiWhafa  X slita-eWagjaldYrotaskiptameWferWmeWnauWasamningisemfelursrthlutuneignatil K #  krfuhafa.i0J; <݌   Ќ  "i0J"  i0J,?2%  5  .3  Ԉ0    XrsemerutilkomnarvegnaYtttkutboWumSeWlabanka0slandstmabilinu28.    jn2011til10.febrar2015.i0J,?Y?݌  Ќ  "i0J"  i0J@2%  6  .3  Ԉ0    XrsemerutilkomnarvegnaefndaaWila,semfllundir2.gr.lagaumstWugleikaskatt wO  viWgildistkuYeirra,krfumsamkvmtnauWasamningi.i0J@@݌B  Ќ  "i0J"  i0J0B2%  7  .3  Ԉ0    Xraflandskr;nueignirskv.eliW1.tlul.2.gr.semerutilkomnarvegnakrfuerlendra    aWilainnlendaaWilagrundvellinauWasamningssamkvmtlgumumgjaldYrotaskipti   o.fl.,efSeWlabanki0slandshefurveittundanYgufrtakmrkunumlagaumgjaldeyris {  ml,fyrirthlutunerlendumgjaldeyri.i0J0B]B݌nF Ќ  "i0J"  i0JD2%  8  .3  Ԉ0    Xraflandskr;nueignirsemvorugrundvllurgjaldeyrisviWskiptaviWSeWlabanka0slands 9 viWmiWunargengiskv.2.mgr.9.gr.i0JDD݌ Ќ  "i0J"  i0JF2%  9  .3  Ԉ0    Xraflandskr;nueignirsemerugrundvllurgjaldeyrisviWskiptagjaldeyristboWi  SeWlabanka0slandsrinu2016tboWsgengifyrirfjrhWsemnemurmarkaWsvirWi r aflandskr;nueignar,YannigaWuppgjrviWskiptannaferframmeWYvaWeigandiaf e= landskr;nueignarafhendirfjrhWsemnemurmarkaWsvirWiaflandskr;nueignaraWfr 0 dregnumargfeldimarkaWsvirWisaflandskr;nueignaroghlutfallsopinbersmiWgengis  SeWlabanka0slandsfyrirkr;num;tievruhinn20.ma2016ogtboWsgengis.i0JFHF݌ Ќ   _ikmo(%1 0 _ikmoF5  II.KAFLI \4  Afmrkun,flutningurogtakmarkanirrWstfunaflandskr;nueigna.  ' 4.gr.  Afmrkun,flutningurogtakmarkanirrWstfuninnstWna.  0J  InnlnsstofnunumogerlendumverWbrfamiWstWvumsemstarfahrlandierskyltaW `  flytjaaflandskr;nueignirskv.a-ogbliW1.tlul.2.gr.,Yeirravrslu,reikningasemhWir S+! erusrstkumtakmrkunumeigisWaren1.september2016.FlytjaskalYfjrhWsemer " viWkomandiinnlnsreikningieWafjrhWsrgreindrareignar.FjrhWskv.2.mlsl.skal # samanlagtekkiveralgrienhnvarviWgildistkulagaYessara,aWteknutillititilvxtunar  $ oghefWbundinsogeWlilegsumsUslukostnaWarYeimtilvikumYegarumhanneraWrWa. !W%   Xrttfyrir1.mlsl.1.mgr.getaerlendarverWbrfamiWstWvarsemstarfahrlandiog J""& varWveitaaflandskr;nueignirskv.1.mgr.innstWureikningumhjSeWlabanka0slandss;tt #' umaWYrverWifluttarreikningahjSeWlabanka0slandssemstasmutakmrkunumog #( reikningarsemhWirerusrstkumtakmrkunum.Ums;knskv.1.mlsl.skalberasteigi $ ) sWaren1.gst2016. v%N!*   BttektafreikningumhWumsrstkumtakmrkunumereinungisheimilYeimtilvikum A&"+ semmlterfyrirumIV.kafla.  '",  '#-   5.gr. ( FlutningurvrsluogtakmarkanirrWstfunrafrntskrWraverWbrfa.  $Q  Fjrmlafyrirtki,semvarWveitaaflandskr;nueignirskv.c!gliW1.tlul.2.gr.,semvoru  rafrntskrWarsamkvmtlgumumrafrnaeignarskrninguverWbrfaviWgildistkulaga a Yessara,skuluflytjavrslurYeirraumsUslureikningnafniviWkomandivrsluaWilahj T, SeWlabanka0slandseigisWaren1.september2016.    ViWflutningskv.1.mgr.yfirtekurSeWlabanki0slandsrttindiogskyldurreikningsstofn  unarskilningilagaumrafrnaeignarskrninguverWbrfa.UmsUslureikningurskalstofnaW   urhjSeWlabankanumnafnivrsluaWilaviWkomandiaflandskr;nueignafyrirflutningsdag.  X HeimilteraWflytjaaflandskr;nueignirskv.1.mgr.milliumsUslureikningavrsluaWilahj K #  SeWlabanka0slandsaWYvgefnuaWslkurflutningurhafiekkifrmeWsrbreytingu    eignarskrninguverWbrfamiWstW.      Uppgjrogefndiraflandskr;nueignaskv.1.mgr.skulufaraframslenskumkr;numsem   leggjaskalinnreikningahWasrstkumtakmrkunum.HafierlendverWbrfamiWstWsett wO  frambeiWniskv.2.mgr.4.gr.skalviWuppgjrogefndiraflandskr;nueignagreiWainn B  reikningasemstasmutakmrkunumogreikningarhWirsrstkumtakmrkunumhj    SeWlabanka0slands.     Aflandskr;nueignirskv.1.mgr.semeruvarWveittarsafnreikningiviWskiptavinarhj {  vrsluaWilaskulufluttarumsUslureikningviWkomandivrsluaWilahjSeWlabanka0slands nF samrmiviW1.mgr.MeWsafnreikningierttviWsafnreikningskilningilagaumverW 9 brfaviWskipti.    ViWflutningskv.1.mgr.skalverWbrfamiWstW,aWbeiWniSeWlabanka0slands,upplUsa  umkvWumtakmarkanirskv.3.mgr.meWYvaWthlutahinnirafrnutgfuaflandskr;nu r eignaralYj;WlegubrWabirgWa_ISIN_ԄauWkenniverWbrfs.BthlutunskaleigasrstaWeinsflj;tt e= ogunnterfrYvaWbeiWniSeWlabankanshefurboristverWbrfamiWstW,eneigisWaren 0 innanYriggjavirkradaga.    Komitiluppgjrsskv.3.mgr.,YarsemgreiWslaferframmeWslenskumkr;numsemeru  ekkihWartakmrkunumlagaYessara,skalverWbrfamiWstWaflttakvWskv.5.mgr.,aW i fenginnistaWfestinguSeWlabanka0slands. \4   6.gr.  TakmrkunrWstfunannarraaflandskr;nueigna.  ]  SluandvirWi,afborganirhfuWst;ls,fyrirframgreiWslur,lokagreiWslur,vexti,verWbtur `  vaxta,arWoghverjaraWrargreiWslurvegnaaflandskr;nueignaskv.d!gliW1.tlul.2.gr.sem S+! ekkierurafrntskrWar,sbr.5.gr.,skalflytjareikningahWasrstkumtakmrkunum " innanYriggjavirkradagafrYvaWfjrmunirvegnaslkrarrWstfunartengslumviW # aflandskr;nueignkomusteWagtukomistumrWeigandaeWaumboWsmannshans.  $   Eigandiaflandskr;nueignaeWaumboWsmaWurhansskaltryggjaritunkvaWarumflutning !W% reikningahWasrstkumtakmrkunumfullngjandihtteftirYvsemviWYannigaW J""& aflandskr;nueignsamkvmtYessukvWiberimeWsrsrstakaviWurkenningutilvist #' hennar.Komitilframsalsaflandskr;nueignnYessaWgreiWslurskv.1.mgr.hafiveriW #( fluttarreikningahWasrstkumtakmrkunumskalkvWskv.1.mlsl.hvlaframfram $ ) salshafaeWaYeimsemfengiWhefureigninaafhentaannanhtt,;hWYvhvorthanner v%N!* grandlausumtilvistkvaWarinnareWaekki.Eigandiaflandskr;nueignarsamkvmtYessu A&"+  kvWiskaltilkynnaSeWlabanka0slandsinnanYriggjamnaWafrgildistkulagaYessaraum  '", aflandskr;nueignsnaoghvernhttskilyrWi&   umritunkvaWaraflandskr;nueignhefur ( veriWfullngt.'(d    InnlnsstofnanirskulutilkynnaSeWlabanka0slandssamdgursumallargreiWslursem  berastreikningahWasrstkumtakmrkunumskv.1.mgr. a   7.gr.  kvrWunarvaldstj;rnsUslustigi.  Ef  SeWlabanki0slandsskerrgreiningioghefurkvrWunarvaldaWWruleytiumfram   kvmdlagaYessara.kvrWunSeWlabankansskv.1.mlsl.erendanlegstj;rnsUslustigi.  X Mlskottild;mst;lafrestarekkirttarhrifumkvrWunar. K #    III.KAFLI     BindiskyldaogbannviWveWsetninguaflandskr;nueigna.    8.gr. wO  BindiskyldaogbannviWveWsetningu. B  #h  Aflandskr;nueignirreikningumhWumsrstkumtakmrkunumeruhWarbindiskyldu    samkvmtkvWiYessu.     BindiskylduskaluppfyllameWYvaWrWstafasmufjrhWognemurheildarinnstWum {  hjinnlnsstofnunreikningumhWumsrstkumtakmrkunumtilfjrfestingainnstWu nF brfumSeWlabanka0slands. 9   InnlnsstofnunskaluppfyllabindiskyldusamkvmtkvWiYessuinnanviWskiptadags.  SeWlabankanumerheimiltaWskuldfraviWskiptareikninginnlnsstofnunarnstaviWskipta  dagYfjrhWsemuppvantartilaWbindiskyldasamkvmtkvWiYessusuppfyllt. r   InnstWubrfskuluvarWveittumsUslureikningiinnlnsstofnunarhjSeWlabankanum. e=   :heimilteraWveWsetjaaflandskr;nueignirskv.1.tlul.2.gr.oginnstWubrfSeWlabanka 0 0slandsskv.10.gr.    IV.KAFLI i  HeimildtilttektarafreikningumhWumsrstkumtakmrkunum, \4 gjaldeyrisviWskiptaogfjrfestinga.  ' 9.gr.  TmabundinheimildtilttektaroggjaldeyrisviWskipta.  m  Eigendumaflandskr;nueignaskv.a!dliWoghliW1.tlul.2.gr.erheimiltaWtakataf `  reikningumhWumsrstkumtakmrkunum,heildeWaaWhluta,tilaWnUtatilgjaldeyris S+! viWskiptaviWSeWlabanka0slands,viWmiWunargengiframtil1.n;vember2016. "   Framtil1.n;vember2016skulueigenduraflandskr;nueignarskv.e!gliW1.tlul.2.gr. # hafaheimildtilgjaldeyrisviWskiptaviWSeWlabanka0slandsviWmiWunargengifyrirfjrhW  $ semnemurmarkaWsvirWiaflandskr;nueignar,YannhttaWuppgjrviWskiptannaferfram !W% meWYvaWeigandiaflandskr;nueignaafhendirtilSeWlabankansfjrhWsemnemur J""& markaWsvirWiaflandskr;nueignaraWfrdregnumargfeldimarkaWsvirWisaflandskr;nueignar #' oghlutfallsopinbersmiWgengisSeWlabankansfyrirkr;num;tievruhinn20.ma2016og #( viWmiWunargengis. $ )   MarkaWsvirWiaflandskr;nueignarskilningi2.mgr.skalkvarWaYannig: v%N!* ! ! _ikmo(%01 _ikmo"i0J"  i0Jt2%  1  .3  Ԉ0    XegarverWbrferuskrWkauphllskalmiWaviWmarkaWsvirWiYeirraviWgildistkulaga A&"+  Yessara.i0Jtt݌ '", Ќ  "i0J"  i0J(v2%  2  .3  Ԉ0    &   MarkaWsvirWiannarraaflandskr;nueignaenskv.1.tlul.skalmiWastviWrkstuttmat ( ;hWslggilts'(vendurskoWandagangvirWieWakostnaWarvirWieignarinnarviWgildistku  lagaYessaraeinsogYaWerskilgreintsamkvmtlgumumrsreikningaenYaWskalY;  aldreiveralgravirWiennafnvirWi.Ssem;skareftirgjaldeyrisviWskiptumskv.1. a mlsl.skalaflamatsinseiginkostnaWogskalendurskoWandinnstaWfesta;hWisitt. T, SeWlabanka0slandserheimiltaW;skafrekariskUringaeWahafnaniWurstWummatsef  sUntYykiraWYaWsekkibyggtfullngjandiforsendum.i0J(vUv݌ Ќ   _ikmo(%1 0_ikmo-t  Efeigandiaflandskr;nueignarnUtirheimildskv.2.mgr.skalsaflandskr;nueignseml   tilgrundvallarYeimviWskiptumundanYegintakmrkunumlagaYessara,aWfenginnistaWfest  X inguSeWlabanka0slands. K #    10.gr.    HeimildtilfjrfestingainnstWubrfumSeWlabanka0slands.   |  EigenduminnstWnareikningumhWumsrstkumtakmrkunumeWareikningum wO  hWumsmutakmrkunumhjSeWlabanka0slands,sbr.2.mgr.5.gr.,erheimilttektaf B  YeimtilfjrfestingarinnstWubrfumSeWlabanka0slands.      InnstWubrftilgreinaekkigjalddaga,berabreytilegarsvextiogendurgreiWslahfuWst;ls   ereinungisheimilsamkvmtkvrWuntgefanda.VextirgreiWasteftir,einusinniri.ViW {  tgfuskulubrfinbera0,5%rsvextisemskuluendurskoWaWirafSeWlabanka0slands nF vaxtagjalddaga. 9   InnstWubrfskuluvarWveittumsUslureikningumhjSeWlabanka0slands.    SluandvirWi,innlausnarvirWiogvextiafinnstWubrfumSeWlabanka0slandsskalflytja  reikningahWasrstkumtakmrkunum. r   11.gr. 0 Almennheimildtilmillifrsluogttektarvaxta-ogarWgreiWslna.  ۀ  MillifrslamillireikningasemeruhWirsrstkumtakmrkunumerheimil.    HeimilteraWtakatfallnavexti,verWbturvaxtaogarWaWundangenginnistaWfestingu i SeWlabanka0slands. \4   MeWvxtumskv.2.mgr.erttviWvextiafinnstWumreikningumhWumsrstkum ' takmrkunum,skuldabrfumogvxlumskv.c-,e-ogfliW1.tlul.2.gr.oginnstWubrfum  SeWlabanka0slands.    MeWarWiskv.2.mgr.erttviWarWgreiWslugrundvellihagnaWarafreglubundinnistarf `  semiflagsenY;ekkiaftekjumsemmyndastviWslueignaumframsluhagnaW,afhagnaWi S+! vegnaafskriftaskulda,virWismatshkkanaeigna,lkkunarhlutafjreWavegnasambrilegra " Ytta.ArWgreiWslurskulufjrmagnaWarmeWhandbruffrrekstrifrjlsumsj;Wumenekki # meWslueigna,lntku,hlutafjraukningueWasambrilegumYttum.EfrWstfunssem  $ ligguraWbakigreiWsluarWserverulegafrbrugWinYvsemalmenntgeristslkumskiptum !W% ogmegintilgangurvirWistveraaWsniWgangatakmarkanirlgumYessumgeturSeWlabankinn J""& synjaWstaWfestingar. #'   12.gr. $ ) Heimildeinstaklingstilttektar. v%N!* k  Einstaklingi,semerraunverulegureigandiaflandskr;nueignaskv.aliW1.tlul.2.gr.viW A&"+ gildistkulagaYessara,skalheimiltaWtakatafreikningumhWumsrstkumtakmrkunum  '", aWfenginnistaWfestinguSeWlabanka0slands.MeWraunverulegumeigandaerttviWeinstak '#- lingsemereigandiinnstWnaslenskumkr;numhjaWilumsemfallaundiraliW1.tlul. ( 2.gr.SkilyrWiheimildarskv.1.mlsl.eraWinnstWahafiveriWsamfelldrieigufr28.  n;vember2008.    Einstaklingi,semereigandiaflandskr;nueignaskv.bliW1.tlul.2.gr.viWgildistkulaga a Yessara,skalheimiltaWtakatafreikningumhWumsrstkumtakmrkunumaWfenginni T, staWfestinguSeWlabanka0slands.    Hmarksttekthverseinstaklingsskv.1.og2.mgr.nemursamanlagt1.000.000kr.  almanaksri.     V.KAFLI K #   UmsUslugjldverWbrfa.     13.gr.    UmsUslugjldverWbrfa.   W  SeWlabanka0slandserheimiltaWinnheimtagjaldfyrirYj;nustuviWvrsluverWbrfaum wO  sUslureikningumbankanssamrmiviWgjaldskrsembankinnsetur.Gjaldskv.1.mlsl. B  skalekkiverahrraenraunkostnaWurSeWlabankansviWvrsluogumsUsluverWbrfannasem    felstm.a.eftirfarandiYttum:   ! ! (g01 _ikmo"i0J"  i0Jw2g  a  .3  Ԉ0    launa-ogrekstrarkostnaWi,i0Jw݌{  Ќ  "i0J"  i0Jq2g  b  .3  Ԉ0    kostnaWisemSeWlabankinnverWurfyrirvegnaviWskiptaviWverWbrfamiWstW.i0Jq݌nF Ќ   _ikmo(%1 0  _VI_.KAFLI   EftirlitSeWlabankansogviWurlg.   14.gr. r Eftirlit. e= 7  SeWlabanki0slandshefureftirlitmeWframkvmdlagaYessara.Skylter,aWviWlgWum 0 dagsektumskv.17.gr.,aWveitaSeWlabanka0slandsallarYrupplUsingarogggnsemhann  telurnauWsynlegYvskyni.SkiptirekkimliYvsambandihvortupplUsingareWaggn  varWaYannaWilasembeiWninnierbeinttileWaaWraaWilasemhanngeturveittupplUsingar i umogvarWaathuganirogeftirlitSeWlabankans.LagakvWiumYagnarskyldutakmarkaekki \4 skyldutilaWveitaupplUsingarogaWgangaWggnum. '   0tengslumviWeftirlitsittsamkvmtlgumYessumgeturSeWlabankinngertvettvangs  kannanireWa;skaWupplUsingaYannhttsvooftsemhanntelurYrf.kvrWunumvett  vangsknnunmfullngjameWaWfarargerW. `    15.gr. " Xagnarskylda. # C  XeirsemannastframkvmdlagaYessaraerubundnirYagnarskylduumhagieinstakraviW  $ skiptamannaognnuratriWisemYeirfvitneskjuumstarfisnuogleyntskulufarasam !W% kvmtlgumeWaeWlimlsins,nemad;marirskurWiaWupplUsingarsskyltaWveitafyrir J""& d;mieWalgreglueWaskyldastilaWveitaupplUsingarlgumsamkvmt.Xagnarskylda #' helstY;ttltiWsafstarfi. #(   16.gr. v%N!* flunupplUsinga. A&"+ ܙ  0tengslumviWathuganirtiltekinnamlaerSeWlabanka0slandsheimiltaWaflaupplUsinga  '", oggagnafrWrumstj;rnvldum;hWYagnarskylduYeirra. '#-   SeWlabanka0slandserheimiltaWleitatilFjrmlaeftirlitsinsvegnagagnaflunar ( tengslumviWranns;kntiltekinnamlaeinsogheimildirFjrmlaeftirlitsinsleyfa.    SeWlabankanumerheimiltaWeigagagnkvmupplUsingaskiptiviWopinberaaWilaerlendis  umatriWisemlgYessitakatilaWYvtilskilduaWYrupplUsingarltisamsvarandiYagnar a skylduhlutaWeigandirki. T,   17.gr.  Dagsektir.   `  SeWlabanki0slandsgeturlagtdagsektiraWilaveitihannekkiumbeWnarupplUsingarog  X ggn,veitibankanumvsvitandirangarupplUsingareWasinniekkikrfumumrbturinnan K #  hfilegsfrests.kvWiYettatekurjafnttilinnlendrasemerlendalgaWilasemoginnlendra    ogerlendraeinstaklinga.HiWsamagildirumaWilasemveittgetaupplUsingarYguathugana    samkvmtkvWumlagaYessara.GreiWastdagsektirnarYangaWtilfariWhefurveriWaW   krfumSeWlabankans.DagsektirleggjastfrYeimdegisemskilabarupplUsingunum wO  sWastalagiogframaWYeimdegisemskyldunnierfullngt.DagsektirgetanumiWfr50.000 B  kr.til50.000.000kr.dag.ViWkvrWunumfjrhWdagsektaerheimiltaWtakatillittil    eWlisvanrkslueWabrotsogfjrhagslegsstyrkleikaviWkomandiaWila.     SmlhfWaWtil;gildingarkvrWunarskv.1.mgr.innan14dagafrYvaWviWkomandi {  aWilaertilkynntumhanaog;skihannjafnframteftiraWmliWhlj;tiflUtimeWferWerekki nF heimiltaWinnheimtadagsektirfyrrend;murhefurfalliW.XrttfyrirmlshfWuntil;gild 9 ingarkvrWunarskv.1.mgr.leggjastdagsektirframviWkomandiaWila.    :innheimtardagsektirfallaekkiniWurY;ttaWilarverWisWarviWkrfumSeWlabanka0s  landsnemaSeWlabankinnkveWiYaWsrstaklega. r   kvarWanirumdagsektirsamkvmtYessarigreineruaWfararhfar. e=   Innheimtardagsektirrennarkissj;WaWfrdregnumkostnaWiviWinnheimtuna. 0   18.gr.  BrrWiSeWlabanka0slandsgegn;lgmtrihttsemi. i ߥ  TeljiSeWlabanki0slandshttsemiandstWakvWumlagaYessarageturbankinnkrafist \4 YessaWltiWverWiaf;lgmtrihttsemiYegarstaW.SeWlabanki0slandsgeturjafnframt ' krafistrb;taeWaleiWrttingarWstfunumsemteljastandstWarlgumYessum.SeWla  bankanumerheimiltaWbeitadagsektumskv.17.gr.YartilfariWhefurveriWaWkrfumbank  ans.kvWiYettatekurjafnttilinnlendrasemerlendralgaWilasemoginnlendraogerlendra `  einstaklinga. S+!   19.gr. # Stj;rnvaldssektir.  $ *  SeWlabanki0slandsgeturlagtstj;rnvaldssektirhvernYannsembrUturgegnkvWum !W% 4.!6.gr.,8.gr.eWa15.gr.og,eftiratvikum,reglumsettumgrundvelliYeirra. J""&   SektirsemlagWarerueinstaklingagetanumiWfr10.000kr.til65.000.000kr.Sektir #' semlagWarerulgaWilagetanumiWfr100.000kr.til500.000.000kr.XrttfyrirkvWi #( 1.og2.mlsl.getasektirvegnabrotagegn4.!6.gr.numiWalltaWfimmfaldriflutnings-eWa $ ) ttektarfjrhW.ViWkvrWunsektaskalm.a.tekiWtillittilalvarleikabrots,hvaWYaWhefur v%N!* staWiWlengi,samstarfsviljahinsbrotlegaaWilaoghvortumtrekaWbroteraWrWa.kvarW A&"+ anirumsektireruaWfararhfar.Sektirrennarkissj;WaWfrdregnumkostnaWiviWinnheimt  '", una.VerWistj;rnvaldssektirekkigreiddarinnanmnaWarfrkvrWunSeWlabanka0slands '#- skalgreiWadrttarvextiaffjrhWsektarinnar.UmkvrWunogtreikningdrttarvaxtafer ( eftirlgumumvextiogverWtryggingu.    Stj;rnvaldssektumverWurbeitt;hWYvhvortlgbroteruframinafsetningieWagleysi.    TilrauntilbrotseWahlutdeildbrotumsamkvmtlgumYessumogreglumsettum a grundvelliYeirraerrefsiverWeftirYvsemsegiralmennumhegningarlgum. T,   20.gr.  MlilokiWmeWstt.   I  HafiaWiligerstbrotlegurviWkvWilagaYessaraeWareglursettargrundvelliYeirraer  X SeWlabanka0slandsheimiltaWljkamlinumeWsttmeWsamYykkimlsaWila.Stterbind K #  andifyrirmlsaWilaYegarhannhefursamYykktogstaWfestefnihennarmeWundirskriftsinni.      21.gr.   Xagnarrttur. wO  J  0mlisembeinistaWeinstaklingisemlokiWgeturmeWlagningustj;rnvaldssektarhefur B  maWursemrkstuddurgrunurleikuraWhafigerstsekurumlgbrotrtttilaWneitaaWsvara    spurningumeWaafhendaggneWamuninemahgtsaWtilokaaWYaWgetihaftYUWingu   fyrirkvrWunumbrothans.SeWlabanki0slandsskalleiWbeinahinumgrunaWaumYennan {  rtt. nF   22.gr.  FresturtilaWleggjastj;rnvaldssektir.  Ҵ  HeimildSeWlabanka0slandstilaWleggjastj;rnvaldssektirsamkvmtlgumYessum r fellurniWurYegarfimmreruliWinfrYvaWhttsemilauk. e=   Fresturskv.1.mgr.rofnarYegaraWilaerkunnugtumaWmlhansertilmeWferWar.SeWla 0 banki0slandstilkynniraWilaumranns;knmeintubroti,nemalj;stsaWhannhafiWur  fengiWvitneskjuumYaW.RoffrestshefurrttarhrifgagnvartllumsemstaWiWhafaaWbroti.    23.gr. \4 HeimildirtengslumviWranns;knmla. ' ̷  0tengslumviWranns;knmlaerSeWlabanka0slandsheimiltaWkrefjaeinstaklingaoglg  aWilaumallarupplUsingarogggnsembankinntelurnauWsynlegtengslumviWframkvmd  lagaYessara.SkiptirekkimliYvsambandihvortupplUsingarnarvarWaYannaWilasem `  beiWninnierbeinttileWaYauskiptiannarraaWilaviWhannerhanngeturveittupplUsingarum S+! ogvarWaathuganirogeftirlitSeWlabankans.LagakvWiumYagnarskyldutakmarkaekki " skyldutilYessaWveitaupplUsingarogaWgangaWggnum.XettagildirY;ekkiumupp # lUsingarsemlgmaWurWlastviWathugunlagalegristWuskj;lstWingstengslumviW  $ d;msml,Y.m.t.YegarhannveitirrWgjfumhvorthfWaeigimleWakomasthjmli,eWa !W% upplUsingarsemhannWlastfyrir,meWaneWaeftirlokd;msmls,efupplUsingarnarhafa J""& beintengslviWmliW.SeWlabankinngeturkallaWtilskUrslugjafareinstaklingasembankinn #' telurbayfirupplUsingumervarWaranns;knmlsins. #(   SeWlabanki0slandsgeturkrafistkyrrsetningareignaeinstaklingseWalgaWilaYegarfyrir $ ) liggurrkstuddurgrunurumaWhttsemihansfaribgaviWkvWilagaYessara.Umskil v%N!* yrWiogmeWferWslkrarkrfufereftir88.gr.lagaummeWferWsakamla,eftirYvsemviW A&"+  geturtt.  '",   &   SeWlabanka0slandserheimiltaWgerasrstakarathuganirogleggjahaldggnsamrmi ( viWkvWi'(klagaummeWferWsakamla,endasurkarstWurtilaWtlaaWeinstaklingarog  lgaWilarhafibrotiWgegnlgumYessumeWareglumsemerusettargrundvelliYeirraeWa  stWaertilaWtlaaWathuganireWaaWgerWirSeWlabankansniaWWrumkostumekkitiltl a uWumrangri.SkalkvWumlagaummeWferWsakamlabeittviWframkvmdslkraaWgerWa. T,   24.gr.  MlshfWunarfrestur.   "  NvillaWiliekkiunakvrWunSeWlabanka0slandsoggeturhannYhfWaWmltil;gild  X ingarhennarfyrird;mst;lum.MlskalhfWaWinnanYriggjamnaWafrYvaWaWilavartil K #  kynntumkvrWunina.MlshfWunfrestarekkirttarhrifumkvrWunarinnarnheimild    tilaWfararsamkvmthenni,sbr.Y;2.mgr.17.gr.      _VII_.KAFLI wO   TmiskvWi.  B  25.gr.    ReglugerWarheimild.   q  RWherraerheimiltaWmlannarfyrirumframkvmdlagaYessarareglugerW. {    SeWlabanka0slandserheimiltaWsetjannarireglurumframkvmd5.,8.,11.og12.gr. nF og_VI_.kafla.ReglurnarskulusamYykktarafrWherraogbirtarStj;rnartWindum. 9   26.gr.  Gildistaka. r   LgYessiWlastYegargildi.XrttfyrirkvWi2.mgr.8.gr.lagaumStj;rnartWindiog e= LgbirtingablaWWlastlgingildiviWbirtingu. 0   27.gr.  BreytingWrumlgum. i   ViWgildistkulagaYessaraverWaeftirfarandibreytingarWrumlgum: \4 ! ! _ikmo(%01 _ikmo"i0J"  i0J2%  1  .3  Ԉ0    Lgumgjaldeyrisml,nr.87/1992,meWsWaribreytingum:i0J݌' Ќ  "m"  m0  0 2%  a  .3  Ԉ0v  ViW2.mgr.13.gr.elagannabtistnUrmlsliWur,svohlj;Wandi:XskalsluandvirWi  fjrmlagerningasemfallaundirskilgreininguaflandskr;nueignsamkvmtlgum  ummeWferWkr;nueignasemhWarerusrstkumtakmrkunumlagtinnreikning `  hWansrstkumtakmrkunumeWareikninghjSeWlabankanumsemstirsmutak S+! mrkunumsamkvmtsmulgum.m݌"vv Ќ  "m"  m0  0ww 2%  b  .3  Ԉ0v  ViW1.mlsl.1.mgr.13.gr.glagannabtist:erlendumgjaldeyri.m݌#vv Ќ  "m"  m0  0 2%  c  .3  Ԉ0v  6.mgr.13.gr.jlagannaorWastsvo:m݌ $vv Ќ  "9"  90  002%3  0v   b MeWarWiskv.1.mgr.erttviWarWgreiWslugrundvellihagnaWarafreglubund !W% innistarfsemiflagsenY;ekkiaftekjumsemmyndastviWslueignaumframslu J""& hagnaW,afhagnaWivegnaafskriftaskulda,virWismatshkkanaeigna,lkkunarhluta #' fjreWavegnasambrilegraYtta.ArWgreiWslurskulufjrmagnaWarmeWhandbru #( ffrrekstrifrjlsumsj;WumenekkimeWslueigna,lntku,hlutafjraukningu $ ) eWasambrilegumYttum.EfrWstfunssemligguraWbakigreiWsluarWserveru v%N!* legafrbrugWinYvsemalmenntgeristslkumskiptumogmegintilgangurvirWist A&"+ veraaWsniWgangatakmarkanirgjaldeyrisviWskiptumogfjrmagnshreyfingum  '", millilandageturSeWlabankinnsynjaWstaWfestingar.9D݌'#-vv Ќ  "m"  m0  0ww 2%  d  .3  Ԉ0v  ViW13.gr.nlagannabtastfimmnUjarmlsgreinarsemorWastsvo:m݌(vv Ќ  "9"  920  002%3  0v   b Fjrmagnshreyfingarmillilandavegnaflutningaaflandskr;nueignareikninga  hWasrstkumtakmrkunumeWareikningahjSeWlabanka0slandssemstasmu  takmrkunumsamkvmtlgumummeWferWkr;nueignasemhWarerusrstkum a takmrkunumskuluundanYegnarbanni2.og3.mgr.13.gr.b.92_݌T,vv Ќ  "9"  90  002%3  0v   b Salaaflandskr;nueignaskv.c!gliW1.tlul.2.gr.lagaummeWferWkr;nueigna  semhWarerusrstkumtakmrkunumskuluundanYegnarbanni3.mgr.13.gr.b  vegnaYtttkueigendaYeirragjaldeyristboWiSeWlabanka0slandseWaefuppgjr   ferframmeWflutningireikningahWasrstkumtakmrkunumeWareikningahj  X SeWlabanka0slandssemhWirerusmutakmrkunumsamrmiviWkvWilagaum K #  meWferWkr;nueignasemhWarerusrstkumtakmrkunum.9݌  vv Ќ  "9"  9 0  002%3  0v   b FjrmagnshreyfingarmillilandavegnafjrfestingainnstWubrfumskv.1.    mgr.10.gr.lagaummeWferWkr;nueignasemhWarerusrstkumtakmrkunum,og   uppgjrYeirraskv.4.mgr.samakvWis,skuluundanYegnarbanni3.mgr.13.gr. wO  b.9 M݌B vv Ќ  "9"  9a0  002%3  0v   b GjaldeyrisviWskiptiogfjrmagnshreyfingarmillilandavegnaviWskiptaviW    SeWlabanka0slandsskv.9.gr.lagaummeWferWkr;nueignasemhWarerusrstkum   takmrkunumskuluundanYegnarbanni3.mgr.13.gr.bog1.mgr.13.gr.c.9a݌{ vv Ќ  "9"  90  002%3  0v   b EignirsemfengiWhafastaWfestinguskv.4.mgr.9.gr.lagaummeWferWkr;nu nF eignasemhWarerusrstkumtakmrkunumskuluundanYegnarbanni2.og3.mgr. 9 13.gr.bog1.mgr.13.gr.c.9݌vv Ќ  "m"  m0  0 2%  e  .3  Ԉ0v  ViW1.mgr.13.gr.plagannabtasttveirnUirmlsliWir,svohlj;Wandi:0tengslumviW  eftirlitsittsamkvmtlgumYessumgeturSeWlabankinngertvettvangskannanireWa r ;skaWupplUsingaYannhttsvooftsemhanntelurYrf.kvrWunumvettvangs e= knnunmfullngjameWaWfarargerW.m݌0vv Ќ  "i0J"  i0J 2%  2  .3  Ԉ0    LgumrafrnaeignarskrninguverWbrfa,nr.131/1997,meWsWaribreytingum:ViW  lginbtistnUttkvWitilbrWabirgWasemorWastsvo:i0J M݌ Ќ  "k0"  k00  2%3  0     v XrttfyrirkvWilagaYessarahefurSeWlabanki0slandseinnheimildtilmilligngu i umeignarskrninguverWbrfasemfallaundirc!gliW1.tlul.2.gr.lagaummeWferW \4 kr;nueignasemhWarerusrstkumtakmrkunumfrYeimtmasemvarslaYeirraer ' flutttilSeWlabanka0slandsskv.1.mgr.5.gr.smulaga.k0݌ Ќ