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X  y 0fjrmlastWugleikanefndsiturseWlabankastj;ri,varaseWlabankastj;rarogYrrsrfrW K #  ingarmlefnumfjrmlamarkaWareWahagfrWisemrWherrasemfermeWmlefnifjrmla    stWugleikaskipartilfimmrasenn.RWuneytisstj;ri,eWatilnefndurembttismaWurrWu    neytissemfermeWmlefnifjrmlastWugleika,skaleigastifundumnefndarinnarmeW   mlfrelsiogtillgurttennatkvWisrttar.SamsetningfjrmlastWugleikanefndarskal wO  veraYannigaWnefndinbisameiginlegayfirfullngjandiYekkingu,hfniogreynslutilaW B  vinnaYauverkefnisemnefndinnierufalin.RWherrageturaWeinsskipaWsamamannfjr    mlastWugleikanefndtvisvarsinnum.SeWlabankastj;rierformaWurfjrmlastWugleika   nefndarogervaraseWlabankastj;rifjrmlastWugleikastaWgengillhans. {   y NefndarmennfjrmlastWugleikanefndsemrWherraskiparskulukomafyrirYYing nF nefndsemYingforsetikveWurWurenskipuntekurgildieWasvoflj;ttsemauWiWer.Xeir 9 skuluveralgrWaogmegaaldreihafaveriWsviptirforrWibisnu.Xeirskuluhafagott  orWsporogmegaekkitengslumviWatvinnureksturhafahlotiWd;mfyrirrefsiverWanverknaW  samkvmtalmennumhegningarlgumeWalgumumhlutaflg,einkahlutaflg,b;khald, r rsreikningaeWagjaldYroteWaYeimsrlgumsemgildaumeftirlitsskyldaaWila.XerYeim e= ;heimiltaWsinnastrfumutanbankanssemgetaveriWtilYessfallinaWdraga;hlutdrgni 0 Yeirraefa.RWherrahefurrskurWarvaldefgreiningurrsumbeitinguYessararmls  greinar.RWherrageturmeWreglugerWkveWiWnnarumhfisskilyrWinefndarmannafjr  mlastWugleikanefnd. i   13.gr. ' VerkefnifjrmlastWugleikanefndar.  {j y VerkefnifjrmlastWugleikanefndareruaW:  ! ! *(g00 *"A0J"  A0Jk y2g  a  .3  Ԉ0    leggjamatstandoghorfurfjrmlakerfinu,kerfishttuogfjrmlastWugleika,A0Jkl݌`    Ќ  "A0J"  A0Jm y2g  b  .3  Ԉ0    fjallaumogskilgreinaYraWgerWirsemtaldarerunauWsynlegarhverjumtmatilaW S+! hafahriffjrmlakerfiW,YeimtilgangiaWeflaogvarWveitafjrmlastWugleika,og " beinaYvskynibendingumtilviWeigandistj;rnvaldaYegartilefniertil,A0JmJm݌#   Ќ  "A0J"  A0JMo y2g  c  .3  Ԉ0    samYykkjastj;rnvaldsfyrirmliogtakaYrkvarWanirsemnefndinnierfaliWaWtaka  $ meWlgum,A0JMozo݌!W%   Ќ  "A0J"  A0Jp y2g  d  .3  Ԉ0    kveWahvaWaeftirlitsskyldiraWilar,innviWirogmarkaWirskuliteljastkerfislegamikil J""& vgirogYesseWlisaWstarfsemiYeirragetihafthriffjrmlastWugleika.A0Jpp݌#'   Ќ    14.gr. $ ) FundirfjrmlastWugleikanefndar. v%N!* ir y FjrmlastWugleikanefnderlyktunarhfeffimmafsjnefndarmnnumsitjafund A&"+ nefndarinnar.kvarWanirfjrmlastWugleikanefndarskuluteknarmeWeinfldummeiri  '",  hluta,enfalliatkvWijfnrWuratkvWiformanns. '#-  y &   FjrmlastWugleikanefndskalhaldafundiaWminnstakostifj;rumsinnumri.AukYess ( geturfjrmlastWugleikanefndhaldiW'(3tfundefformaWurkveWureWaYrrnefndarmenn  krefjastYess.FjrmlastWugleikanefndsetursrstarfsreglur,m.a.umundirbning,rk  stuWningogkynningukvarWanasinna.FjrmlastWugleikanefndskalhaldafundargerWir. a OpinberlegaskalbirtakvarWanirfjrmlastWugleikanefndarumbeitingustj;rntkjasviWi T, fjrmlastWugleikaoggeragreinfyrirforsendumYeirraogmatistandi,svoogbirta  fundargerWirYessefnis,nemaeftlamaWopinberbirtinggetihaftneikvWhriffjr  mlastWugleika.FundargerWirogggnsemeruunninfyrirfjrmlastWugleikanefndeWaeru   YartilmeWferWareruundanYeginupplUsingarttisamkvmtupplUsingalgumogstj;rnsUslu  X lgum. K #   y FjrmlastWugleikanefndskalskilaAlYingiskUrsluumstrfsneinusinniri.SkUrsl    unaskalrWaYeirriYingnefndsemYingforsetikveWur.      V.KAFLI wO   Fjrmlaeftirlitsnefnd.  B  15.gr.    Hlutverkogskipanfjrmlaeftirlitsnefndar.   y y FjrmlaeftirlitsnefndskaltakakvarWanirsemfaldareruFjrmlaeftirlitinusamkvmt {  lgumogstj;rnvaldsfyrirmlum.NefndingeturframselttilvaraseWlabankastj;rafjrmla nF eftirlitsvaldsitttiltkukvarWanasemekkiteljastmeirihttar. 9  y 0fjrmlaeftirlitsnefndsiturvaraseWlabankastj;rifjrmlaeftirlits,varaseWlabankastj;ri  fjrmlastWugleikaogYrrsrfrWingarmlefnumfjrmlamarkaWarsemrWherrasemfer  meWmlefnifjrmlamarkaWarskipartilfimmrasenn.Samsetningfjrmlaeftirlitsnefndar r skalveraYannigaWnefndinbisameiginlegayfirfullngjandiYekkingu,hfniogreynslu e= tilaWvinnaYauverkefnisemnefndinnierufalin.RWherrageturaWeinsskipaWsamamann 0 fjrmlaeftirlitsnefndtvisvarsinnum.VaraseWlabankastj;rifjrmlaeftirlitserformaWur  fjrmlaeftirlitsnefndarogervaraseWlabankastj;rifjrmlastWugleikastaWgengillhans.ViW  tkukvarWanaumsetningustarfsreglnaskv.2.mgr.16.gr.,kvarWanaumframsalvaldstil i varaseWlabankastj;rafjrmlaeftirlitstiltkukvarWanasemteljastekkimeirihttarkvarW \4 anirsemogkvarWanasemvarWaeigiWf,laustfogfjrmgnunkerfislegamikilvgrafjr ' mlafyrirtkjatekurseWlabankastj;ristifjrmlaeftirlitsnefndsemformaWurnefndarinnar  ogerYvaraseWlabankastj;rifjrmlaeftirlitsstaWgengillhans.   y NefndarmennfjrmlaeftirlitsnefndsemrWherraskiparskulukomafyrirYYingnefnd `  semYingforsetikveWurWurenskipuntekurgildieWasvoflj;ttsemauWiWer.Xeirskuluvera S+! lgrWaogmegaaldreihafaveriWsviptirforrWibisnu.XeirskuluhafagottorWsporog " megaekkitengslumviWatvinnureksturhafahlotiWd;mfyrirrefsiverWanverknaWsamkvmt # almennumhegningarlgumeWalgumumhlutaflg,einkahlutaflg,b;khald,rsreikninga  $ eWagjaldYroteWaYeimsrlgumsemgildaumeftirlitsskyldaaWila.XerYeim;heimiltaW !W% sinnastrfumutanbankanssemgetaveriWtilYessfallinaWdraga;hlutdrgniYeirraefa. J""& RWherrahefurrskurWarvaldefgreiningurrsumbeitinguYessakvWis.RWherragetur #' meWreglugerWkveWiWnnarumhfisskilyrWinefndarmannafjrmlaeftirlitsnefnd. #(   16.gr. v%N!* Fundirfjrmlaeftirlitsnefndar. A&"+  y Fjrmlaeftirlitsnefnderlyktunarhfeffj;rirnefndarmennsitjafundnefndarinnar.  '", kvarWanirfjrmlaeftirlitsnefndarskuluteknarmeWeinfldummeirihluta,enfalliatkvWi '#- jfnrWuratkvWiformanns. (z$.  y FjrmlaeftirlitsnefndskalhaldafundiaWjafnaWitusinnumri.AukYessgetur ( fjrmlaeftirlitsnefndhaldiWfundefformaWurkveWureWaYrrnefndarmennkrefjastYess.  Fjrmlaeftirlitsnefndsetursrstarfsreglur,m.a.umundirbning,rkstuWningogbirtingu  kvarWanasinna.FjrmlaeftirlitsnefndskalhaldafundargerWir.Fjrmlaeftirlitsnefnder a heimiltaWbirtaopinberlegakvarWanirsnar.X;skalekkibirtakvrWunverWihntalin T, stefnahagsmunumfjrmlamarkaWarinshttu,varWihnekkihagsmunimarkaWarinssem  slkseWaeftlamaWbirtinghennarvaldihlutaWeigandiaWilumtj;nisemtelstekkisam  rmiviWtilefnikvrWunarinnar.    y FjrmlaeftirlitsnefndskalskilaAlYingiskUrsluumstrfsneinusinniri.SkUrsluna  X skalrWaYeirriYingnefndsemYingforsetikveWur. K #    VI.KAFLI     BtgfaseWlaogmyntar.    17.gr. wO  + y SeWlabanki0slandshefureinkartttilYessaWgefatpeningaseWlaogltasloggefat B  mynteWaannangjaldmiWilsemgeturgengiWmannamillistaWpeningaseWlaeWalglegrar    myntar.    y SeWlarogmyntsemSeWlabankinngefurtskuluveralgeyrirtilallragreiWslnameWfullu {  kvWisverWi. nF  y TilefnismyntsemSeWlabankinngefurtskalveralgeyrirtilallragreiWslnameWfullu 9 kvWisverWi.SeWlabankanumerheimiltaWkveWaaWtilefnismyntsseldmeWlagi  kvWisverWhennar.g;WaafslutilefnismyntarskalvariWtillista,menningareWavsinda  samkvmtkvrWunrWherra. r  y RWherrakveWuraWfengnumtillgumSeWlabankanslgun,tlitogfjrhWseWlaYeirra e= ogmyntarsembankinngefurtoglturbirtaauglUsinguumYaWefni. 0   VII.KAFLI   ViWskiptiSeWlabanka0slandso.fl.  i 18.gr. \4 Innln. ' : y SeWlabanki0slandstekurviWinnlnumfrYeimlnastofnunumsemteljasttilviWskipta  banka,sparisj;WaogtibaerlendrainnlnsstofnanahrlandiogfrWrumaWilumsem  heimilterlgumsamkvmtaWtakaviWinnlnumfralmenningitilgeymsluogvxtunar. `   y SeWlabankanumerheimiltaWtakaviWinnlnumfrYtttakendumgreiWslukerfiSeWla S+! bankans,Wrumlnastofnunumentaldareruupp1.mgr.,lnasj;Wum,verWbrfafyrir " tkjum,rekstrarflgumverWbrfasj;WaogverWbrfamiWstWvum. #  y SeWlabankinnseturnnarireglurumviWskiptisnsamkvmtYessarigrein,YarmeWal  $ hvaWaaWilumsemtilgreindireru2.mgr.erheimiltaWeigainnstWurbankanum. !W%   19.gr. #' Lnveitingar. #( ȕ y TilaWframfylgjaaWgerWumSeWlabanka0slandspeningamlumogtilaWeflaogvarWveita $ ) fjrmlastWugleikageturbankinnveittviWskiptabnkum,sparisj;WumogWrumsemhafa v%N!* heimildtilaWtakaviWinnlnumfralmenningisamkvmtlgumumfjrmlafyrirtkiln A&"+ meWkaupumverWbrfumeWaannanhttgegntryggingumsemSeWlabankinnmeturhfar.  '", SeWlabankanumerheimiltaWveitaYtttakendumgreiWslukerfiSeWlabankansogWrum '#- lnastofnunumentaldareruupp1.mgr.18.gr.lnmeWkaupumverWbrfumeWaannan (z$. httgegntryggingumsembankinnmeturhfar.LnsviWskiptiSeWlabankansgetaveriW ( innlendrieWaerlendrimynt.SeWlabankinnseturreglurumviWskiptisnsamkvmtYessari  mlsgrein.   y XegarsrstaklegastendurogSeWlabankinntelurYessYrftilaWvarWveitastWugleika a fjrmlakerfislandsinsgeturhannveittlnastofnunumlausafjrvandabyrgWireWannur T, lnenumrWir1.mgr.srstkumkjrumoggegnWrumtryggingumenumgetursmu  mlsgreineWameWWrumskilyrWumsembankinnsetur.HeimildYessinrekkitilfyrir  greiWslutillnastofnunartilYessaWgerahennikleiftaWuppfyllaskilyrWilagaumlgmarks   eigiWf.  X  y kvarWanirumveitingubyrgWaoglnaskv.2.mgr.skuluteknarafseWlabankastj;raog K #  varaseWlabankastj;rum,sbr.3.mgr.3.gr.     y SeWlabankinnskalupplUsarWherrasemfermeWefnahagsogfjrmlumlnveitingar    grundvelli2.mgr.     20.gr. B  ViWskiptimeWverWbrf.      y TilaWnmarkmiWumsnumumaWstuWlaaWstWuguverWlagi,fjrmlastWugleikaog   traustriogruggrifjrmlastarfsemiskv.2.gr.kaupirSeWlabanki0slandsogselurrkistryggW {  verWbrfognnurtrygginnlendverWbrfverWbrfamarkaWieWabeinumviWskiptumviW nF lnastofnanir. 9   21.gr.  BtgfaverWbrfa. r A y SeWlabanka0slandserheimiltaWgefatframseljanlegverWbrfinnlendrieWaerlendri e= mynttilaWseljalnastofnunumsemgetattinnlnsviWskiptiviWhann,sbr.18.gr. 0   22.gr.  Vextir. i  y SeWlabanki0slandskveWurvextiafinnlnumviWbankann,aflnumsemhannveitirog \4 afverWbrfumsemhanngefurt. '   23.gr.  Bindiskylda. `   y SeWlabanka0slandserheimiltaWkveWaaWlnastofnanirskulieigafbundnumreikn S+! ingibankanum.HonumereinnigheimiltaWkveWaaWtiltekinnhlutiaukningarinnlnaeWa " rWstfunarfjrviWhverjastofnunskulibundinnreikningibankanum,endafariheildar # fjrhWsemviWkomandistofnunerskyltaWeigaSeWlabankanumekkiframrYvhmarki  $ semsetterskv.1.mlsl.EnnfremurerSeWlabankanumheimiltaWkveWaaWverWbrfasj;Wir !W% skulieigafbundnumreikningibankanum. J""&  y SeWlabankinnseturnnarireglurumgrundvllogframkvmdbindingarsamkvmt #' Yessarigrein,YarmeWaltilhvaWalnastofnanahntekur.0YeimmkveWaaWbindihlutfall #( smismunandieftireWlilnastofnanaogverWbrfasj;Waogflokkuminnlnaogannarra $ ) skuldbindingasembindinginnrtil.GtaskaljafnrWisviWkvrWunbindiskylduYannig v%N!* aWhnvaldiekkirskunsamkeppnisstWumilliinnlendrafyrirtkjasemstainnlns A&"+ bindingu.  '",   '#-   & ,  24.gr. ( GjaldeyrisjfnuWur.  q y SeWlabanka0slandserheimilt,aWfengnusamYykkifjrmlastWugleikanefndar,aWsetja  lnastofnunum',(}reglurumgjaldeyrisjfnuW.SeWlabankinnskilgreinirhvaWaeignirogskuldir a skuliteljatilgjaldeyrisjafnaWar,sundurliWunYeirraogvgi.TilslksjafnaWarerheimiltaW T, teljaskuldbindingarogkrfursemtengdareruerlendumgjaldmiWlumutanefnahags,svosem  framvirkasamningaogvalrttarsamninga.0reglumumgjaldeyrisjfnuWmkveWaaWmis  munandikvWigildiumeinstakaflokkalnastofnana.     25.gr. K #  Xj;nustaviWrkissj;W.     y SeWlabanki0slandsannasthverskonarbankaYj;nustufyrirrkissj;WaWraenlnafyrir    greiWslu,sbr.26.gr.InnstWurrkissj;WsskuluvarWveittarreikningumSeWlabankanum   nemasrstakaraWstWurgefitilefnitilannars. wO   y SeWlabankinnskalverarkisstj;rntilrWuneytisumalltsemvarWargjaldeyrisml,Yar B  meWalerlendarlntkur,ogtakaaWsrframkvmdYeimefnumeftirYvsemumverWur    samiW.     26.gr. nF BannviWlnveitingum. 9  y SeWlabanka0slandser;heimiltaWveitarkissj;Wi,sveitarflgumogrkisstofnunum  Wrumenlnastofnunumln.   y VerWbrf,semskrWeruskipulegumverWbrfamarkaWieWamarkaWstorgifjrmla r gerningaoggefinerutafYeimaWilumsemumrWir1.mgr.ogSeWlabankinnkaupir e= verWbrfamarkaWieWaaflnastofnunumtilaWnmarkmiWumsnum,skuluekkiteljastln 0 samkvmtkvWumYessarargreinar.    27.gr. i GjaldeyrisviWskiptio.fl. \4  y SeWlabanki0slandsstundarviWskiptimeWerlendangjaldeyri,hefurmillignguumgjald ' eyrisviWskiptiogstundarnnurerlendviWskiptisemsamrUmastmarkmiWumoghlutverki  bankans.   y SeWlabankinnseturreglurumstarfsemiskipulegragjaldeyrismarkaWaeftirYvsemkveWiW `  erumlgumumgjaldeyrisml. S+!  y XegarsrstaklegastendurgeturSeWlabankinntmabundiWtakmarkaWeWastWvaWviW " skiptiskipulegumgjaldeyrismrkuWum. #   28.gr. !W% nnurviWskiptiSeWlabanka0slands. J""&  y SeWlabanki0slandsstundarnnurbankaogverWbrfaviWskiptisemsamrUmasthlutverki #' hanssemseWlabanka.0YvskynierbankanummeWalannarsheimiltaWstofnaeWaeigaaWild #( aWoghlutfyrirtkjumogstofnunumsviWikauphallarstarfsemi,verWbrfaskrningarog $ ) greiWslumiWlunarogvegnaumsUslufullnustueignaogkrafnaogannarraverkefnasemtengj v%N!* aststarfsemibankans. A&"+  y SeWlabankanumer;heimiltaWannastviWskiptiviWeinstaklingaogfyrirtkisemsam  '", kvmtlgum,venjueWaeWlimlsteljastverkefniannarra.HonumerY;heimiltaWannast '#- frumsluoginnlausnverWbrfasemrkissj;WurhefurgefiWt. (z$. Ї  VIII.KAFLI (  Gengisml,gjaldeyrismarkaWurogerlendsamskipti.   29.gr.  Gengisskrning. a  y HvernvirkandagsemskipulegirgjaldeyrismarkaWirerualmenntstarfandiskalSeWlabanki T, 0slandsskrgengikr;nunnargagnvarthelstugjaldmiWlum.XaWgengiskalnotaWtilviWmiW  unaropinberumsamningum,d;msmlumogWrumsamningummilliaWilaYegarnnur  gengisviWmiWunerekkisrstaklegatiltekin.EnnfremurgeturSeWlabankinnkveWiWaWskr   gengikr;nunnarYeimdgumsemskipulegirgjaldeyrismarkaWirerualmenntekkistarfandi.  X XegarsrstaklegastendurgeturSeWlabankinntmabundiWfelltniWurskrningugengi K #  kr;nunnar.      30.gr.   GjaldeyrisforWi. wO   y SeWlabanki0slandsvarWveitirgjaldeyrisforWasamrmiviWmarkmiWoghlutverkbank B  ans.SeWlabankastj;riogvaraseWlabankastj;rarsetjastarfsreglurumvarWveislugjaldeyris    forWans.    y SeWlabankanumerheimiltaWtakalntilaWeflagjaldeyrisforWann.Honumerjafnframt {  heimiltaWtakaYttsamstarfierlendraseWlabankaogalYj;WlegrabankaeWafjrmlastofn nF anaumlnveitingartilaWeflagjaldeyrisforWaYtttakenda. 9   31.gr.  SamskiptiviWalYj;Wlegarstofnanir. r s y SeWlabanki0slandsannastsamskiptiogviWskiptiviWalYj;WlegarstofnanirstarfssviWi e= snu,semseWlabankiogeftirlitsaWilifjrmlamarkaWi,umboWirkisstj;rnarinnareWaeftir 0 YvsemhonumerfaliWmeWlgum.   y SeWlabankinnfermeWfjrhagslegtengslviWAlYj;Wagjaldeyrissj;Winnfyrirhndrkisins.  RWherraskipareinnmannogannantilvaratilfimmrasenntilYessaWtakastisj;Ws i rWiAlYj;Wagjaldeyrissj;Wsins. \4  y SeWlabankanumerjafnframtheimiltaWeigaaWildaWWrumalYj;Wlegumstofnunum,enda ' samrUmistYaWhlutverkihanssemseWlabankaogeftirlitsaWilafjrmlamarkaWi.    IX.KAFLI `   flunupplUsinga,ranns;knirogskUrslugerW.  S+! 32.gr. " flunupplUsinga. #  y TilYessaWsinnaverkefnumsnumskv.2.gr.ogfullngjaeftirlitimeWreglumsemsettar  $ erusamkvmtlgumYessumgeturSeWlabanki0slandsmilliliWalaustaflaWupplUsingafr !W% YeimsemeruviWskiptumviWbankannskv.18.gr.,sbr.19.gr.,aukfyrirtkjagreiWslu J""& miWlunogannarrafyrirtkjaeWaaWilasemltaopinberueftirlitimeWstarfsemisinni,sbr.lg #' umopinberteftirlitmeWfjrmlastarfsemi.SeWlabankinngetursamatilgangieinnigaflaW #( upplUsingafrlgaWilumumeignirogfjrhagslegarskuldbindingarinnlendumogerlendum $ ) gjaldeyri,svosembeinarfjrfestingar,verWbrfafjrfestingar,aWrarfjrfestingarframseljan v%N!* legumfjrmlagerningum,lnaviWskipti,byrgWarskuldbindingar,afleiWuviWskiptiogtgfu A&"+ skuldabrfaogannarraskuldagerninga.UpplUsingarskv.1.og2.mlsl.skuluafhentarYv  '", formisemSeWlabankinnkveWur.Skylter,aWviWlgWumviWurlgumskv.44.og45.gr.,aW '#- ltaSeWlabankanumtallarupplUsingarogggnsembankinntelurnauWsynleg.Laga (z$. kvWiumYagnarskyldutakmarkaekkiskylduannarrastj;rnvalda,fjrmlafyrirtkja, ( greiWslustofnanaografeyrisfyrirtkjatilYessaWveitaupplUsingarogaWgangaWggnum.   y SkyltskalllumaWltaSeWlabankanumtYrupplUsingarsemhannYarfaWhaldatil  hagskUrslugerWaraWviWlgWumviWurlgumskv.44.og45.gr. a  y SeWlabanki0slandsgetursettnnarireglurumframkvmdYessarargreinar. T,   33.gr.  UpplUsingarfrstj;rnvldum.   - y Stj;rnvldveitaSeWlabanka0slandsYrupplUsingarumefnahagsml,opinberfjrmlog  X lntkursemnauWsynlegarerufyrirstarfsemibankans. K #    34.gr.    SkUrslurSeWlabanka0slands.   x y SeWlabanki0slandsgerirskUrslurogtlanirumpeningaml,fjrmlastWugleika,fjr wO  mlastarfsemi,greiWslujfnuW,gengisoggjaldeyrismlogannaWsemhlutverkogstefnu B  bankansvarWar,Y.m.t.rangurmarkmiWa.SeWlabankinnskalgefatrsskUrsluYarsemhann    gerirtarlegagreinfyrirstarfsemisinni.     35.gr. nF Hagranns;knirogfrWsla. 9  y SeWlabanki0slandsstundarhagranns;knirsemltaaWviWfangsefnumbankanssviWipen  ingamla,fjrmlastWugleikaogfjrmlakerfis.JafnframterbankanumheimiltaWstuWlaaW  ranns;knumannarraYessumsviWum. r  y SeWlabankinnskalstuWlaaWaukinnifrWsluumpeningastefnunaoghlutverkSeWlabank e= ansviWaWtryggjafjrmlastWugleikaogheilbrigWifjrmlakerfisins. 0   36.gr.  Ytramat. i T y fimmrafrestiskalrWherrafelaYremur;hWumsrfrWingumsviWipeningaogfjr \4 mlahagfrWiogfjrmlaeftirlitsaWgerattektumhvernigSeWlabanka0slandshefurtekist ' aWuppfyllamarkmiWumstWugtverWlag,fjrmlastWugleikaogframkvmdfjrmlaeftir  lits.JafnframtskallitiWtilannarraYttastarfsemibankans,svosemskipulags,verkaskipt  ingarogvaldsviWs.EinnsrfrWingannaskalhafahaldg;WaYekkinguslenskuefnahagslfi `  enhinirtveirskuluhafavWtkaYekkinguogreynsluafalYj;Wlegrifjrmlastarfsemiog S+! rekstriseWlabankautan0slands. "   X.KAFLI  $  ReikningsskilogrWstfunhagnaWar.  !W% 37.gr. J""& Reikningsskil. #'  y ReikningsrSeWlabanka0slandseralmanaksriW.Fyrirhvertreikningsrskalgerars #( reikningogskalgerWhanslokiWinnanYriggjamnaWafrlokumreikningsrs.UmgerW $ ) rsreikningsfer,eftirYvsemviW,eftirlgumumrsreikninga,lgumumb;khaldog v%N!* reglumsettumgrundvelliYeirralaga. A&"+  y EigiWfsemerinnkallanlegt,sbr.3.mgr.40.gr.,enekkiinnborgaWskalsUnameWal  '",  eiginfjrreikninga.Jafnframtskaldreginnfrshlutisemer;innborgaWur. '#-  y &   ViWreikningsskilSeWlabankanserheimiltaWhaldasrstakareikningameWaleiginfjr ( reikningasemtakatil;innleystrateknaoggjalda.'(`   y RWherraseturnnarireglurumreikningsskilogrsreikningaWfengnumtillgumSeWla  bankans,sbr.fliW1.mgr.8.gr. a   38.gr.  EndurskoWun.   y RkisendurskoWunskalannastendurskoWunhjSeWlabanka0slands.    y AWlokinniendurskoWunrsreikningibankansskalhannundirritaWurafseWlabankastj;ra  X ogstaWfesturafbankarWi,sbr.gliW1.mgr.8.gr.HafibankarWsmaWurframaWfraathuga K #  semdirviWrsreikningskalhannundirritaWurmeWfyrirvaraogkomaskalframhverseWlis    fyrirvarinner.     y EndurskoWaWurreikningurskallagWurfyrirrWherratilritunareigisWarenYremur   mnuWumeftirlokreikningsrs. wO   y rsreikningSeWlabankansskalbirtarsskUrslubankans,sbr.34.gr.Ennfremurskal B  bankinnbirtamnaWarlegtefnahagsyfirlit.SeWlabankinnskalaWaukibirta;endurskoWaW    rsfj;rWungsuppgjrinnanfjgurraviknafrlokumsWastarsfj;rWungs.     39.gr. nF InnriendurskoWun. 9  y BankarWhefurumsj;nmeWinnriendurskoWunviWSeWlabanka0slandsogrWurinnri  endurskoWanda,sbr.8.gr.   y InnriendurskoWandiskalhafasrYekkingusviWiinnriendurskoWunar,hafalokiWh r sk;lapr;fisemnUtiststarfiogbayfirngilegrireynslutilYessaWgetasinntstarfisnu. e=  y InnriendurskoWandiskalhafameWhndumkerfisbundiW,;hWoghlutlgtmatvirkni 0 httustUringar,innraeftirlitsogstj;rnarhttaSeWlabankans.Hannskalstarfasamkvmt  httumiWaWriendurskoWunartlunsemstaWfesterafbankarWioguppfrWreglulega.    40.gr. \4 EiginfjrmarkmiW. ' Q y SeWlabanki0slandsskalbayfirfjrhagslegumstyrksemgerirhonumkleiftaWrkja  lgbundiWhlutverksitt.0YvskyniskalSeWlabankinnhverjurikveWaeiginfjrmarkmiW  fyrirbankann.EiginfjrmarkmiWiWendurspeglarYrfbankansfyrireigiWfogvaxtaberandi `  eignirogskalYaWtakamiWafkostnaWiafrekstribankansogYeirrihttuog;vissusem S+! bankinnstendurframmifyrirhverjumtma.kvrWunumeiginfjrmarkmiW,staWfestaf " bankarWi,skalbirtrsskUrslubankans,sbr.34.gr. #  y rlegurhagnaWurSeWlabankansliWnurekstrarri,aWteknutillititil;innleystrareiknaWra  $ teknaoggjalda,sbr.3.mgr.37.gr.,skalrennarkissj;WsvofremisemhonumerekkirW !W% stafaWtilaWeflaeigiWfbankans.GreiWslaferframeigisWaren30.aprlhvertr.kveWi J""& bankinnaWrWstafahagnaWitileflingareiginf,aWhlutaeWaheild,skalYaWgerttilaW #' uppfyllaeiginfjrmarkmiW,sbr.1.mgr.,ogaWfenginniumsgnrWherra.SkalbankinnY #( kynnarWherramatsitteiginfjrmarkmiWiogrWstfunhagnaWartilnstuYriggjara. $ )  y Rkissj;Wurskuldbindursig,grundvelliheimildarfjrlgum,tilaWleggjaSeWlabank v%N!* anumtileigiWfformimarkaWshfraeignasamkvmtinnkllunbankansYaraWltandi, A&"+ endateljibankinnYaWnauWsynlegtYeimtilgangiaWuppfyllalgmarkskrfuruminnborgaW  '", eigiWf.HeildarfjrhWinnkallanlegseiginfjrsamkvmtYessarimlsgreiner57,2millj '#- arWarkr.EftirstWvarinnkallanlegseiginfjrfrastuppviWhverram;tmeWhkkunvsi (z$. tluneysluverWs.0fjrlgumskalmiWagildivsitlunnarviW1.janarYvriYegarfrum ( varptilYeirralagaerlagtfram.RWherra,f.h.rkissj;Ws,ogSeWlabanka0slandserheimilt  aWgerameWsrsamkomulagumnnariframkvmdYessakvWis.    XI.KAFLI T,  TmiskvWi.   41.gr.  Xagnarskylda.   v y BankarWsmenn,seWlabankastj;ri,varaseWlabankastj;rar,nefndarmennpeningastefnu  X nefnd,fjrmlastWugleikanefndogfjrmlaeftirlitsnefndogaWrirstarfsmennSeWlabanka K #  0slandserubundnirYagnarskylduumalltYaWsemvarWarhagiviWskiptamannabankans,    viWskiptiogrekstureftirlitsskyldraaWila,tengdraaWilaeWaannarraogmlefnibankanssjlfs,    svoogumnnuratriWisemYeirfvitneskjuumstarfisnuogleyntskulufarasamkvmt   lgumeWaeWlimls,nemad;marirskurWiaWupplUsingarsskyltaWveitafyrird;mieWa wO  tillgreglueWaskyltsaWveitaupplUsingarlgumsamkvmt.SamagildirumsrfrWinga, B  verktakaogaWrasemstarfafyrireWavegumbankans.XagnarskyldanhelstY;ttltiWsaf    starfi.    y BankarWsmnnum,seWlabankastj;ra,varaseWlabankastj;rum,nefndarmnnumpeninga {  stefnunefnd,fjrmlastWugleikanefndogfjrmlaeftirlitsnefndogWrumstarfsmnnum nF SeWlabankanser;heimiltaWnUtasrtrnaWarupplUsingarsemYeirkomastyfirvegnastarfs 9 snsbankanum,YarmeWalYeimtilgangiaWhagnasteWaforWastfjrhagslegttj;nviW  skiptum.   y UpplUsingarskv.1.mgr.mveitasamandregnuformiYannigaWeinstakiraWilarsu r ;pers;nugreinanlegir. e=  y XrttfyrirkvWi1.mgr.erSeWlabankanumheimiltaWeigaupplUsingaskiptiviWopinbera 0 aWilaumatriWisemlgYessitakatilYegarupplUsingaskiptinerusamrmiviWlgmlt  hlutverkSeWlabankanseWam;ttakanda.SsemveitirviWtkuupplUsingumafYvtagisem  umgetur1.mgr.erbundinnYagnarskyldusamahttogYargreinir. i  y UpplUsingarsemhWareruYagnarskyldusamkvmtsrlgumeWaWrumlgumeruhWar \4 sambrilegriYagnarskylduYegarYrhafaveriWafhentarSeWlabankanum. '  y XrttfyrirkvWi1.mgr.erSeWlabankanumheimiltaWbirtaupplUsingaropinberlega,  endavegihagsmuniralmenningsafbirtingunniYyngraenhagsmunirsemmlameWleynd.  XegarviWskiptamaWurbankanseWaeftirlitsskylduraWiliergjaldYrotaeWaYvinguWslitfara `  framerheimiltviWrekstureinkamlaaWupplUsaumatriWisemYagnarskyldagildirannars S+! umskv.1.mgr.XagnarskyldangildirY;umupplUsingarsemvarWaYriWjaaWilasemhlut " aWbjrgunaraWgerWumvegnaviWskiptamannseWaeftirlitsskyldsaWila. #  y SeWlabanka0slandserheimiltaWveitaeftirlitsstj;rnvldumannarraaWildarrkjaEES  $ samningsins,stofnunumEFTA,SeWlabankaEvr;puogevr;pskumeftirlitsstofnunumsviWi !W% fjrmlastarfsemi,sbr.lgumevr;pskteftirlitskerfifjrmlamarkaWi,upplUsingarsem J""& hWareruYagnarskylduskv.1.mgr.sYaWliWursamstarfirkjannaumeftirlitmeWstarfsemi #' aWilafjrmlamarkaWiogslkupplUsingagjfsgagnlegtilaWunntsaWframfylgjalg #( mltueftirliti.SlkarupplUsingarmeinungisveitameWYvskilyrWiaWumYrgildiYagnar $ ) skyldahlutaWeigandirkieWahjviWkomandistofnun.Xagnarskyldaskv.1.mgr.gildirum v%N!* hliWstWarupplUsingarsemSeWlabanki0slandsfrfreftirlitsstj;rnvldumannarraaWildar A&"+ rkja,stofnunumEFTAogevr;pskumeftirlitsstofnunumsviWifjrmlastarfsemi.  '",   '#-   & ,  42.gr. ( UndanYgafrtekjuskatti.  X y SeWlabanki0slandserundanYeginntekjuskattisamkvmtlgumumtekjuskatteinsogYau  eruhverjumtma.',(d a   43.gr.  Gjaldskr.   y SeWlabanka0slandserheimiltaWinnheimtagjldfyrirYj;nustusna,svosemvegnaviW   skiptasembankanumerheimiltaWeigagrundvellilagaYessara,Y.m.t.gjaldeyriskaupaog  X slu,innogtlnaogviWskiptameWverWbrf,aukgreiWslumiWlunarogrekstrarfjrmla K #  innviWa.GjaldtakaSeWlabankansskalmiWuWviWaWhnstandiundirkostnaWiviWYYj;nustu    semveitter.     y SeWlabankinnsetursrgjaldskrfyrirhverskynsYj;nustuskv.1.mgr.ogskalhnstaW   festafbankarWi,sbr.kliW1.mgr.8.gr.,ogbirtStj;rnartWindum. wO    44.gr.    Dagsektir.     y SeWlabanki0slandsgeturlagtdagsektirlnastofnanirogverWbrfasj;Wisemhltaekki {  reglumbankansumbindiskyldu,gjaldeyrisjfnuWoglntengderlendumgjaldmiWlum.SeWla nF bankanumereinnigheimiltaWleggjadagsektirYaWilasemvanrkjaaWveitabankanum 9 upplUsingar,semhannrttsamkvmtlgumYessum,eWaveitabankanumvsvitandi  rangarupplUsingar.GreiWastdagsektirnarYangaWtilfariWhefurveriWaWkrfumSeWlabank  ans.DagsektirnargetanumiWfr10.000kr.til1millj.kr.dag.ViWkvrWunumfjrhW r dagsektaerheimiltaWtakatillittileWlisbrotsogfjrhagslegsstyrkleikaviWkomandiaWila. e=  y SmlhfWaWtil;gildingarkvrWunarskv.1.mgr.innan14dagafrYvaWviWkomandi 0 aWilavartilkynntumhanaog;skihannjafnframteftiraWmliWhlj;tiflUtimeWferWerekki  heimiltaWinnheimtadagsektirfyrrend;murhefurfalliW.XrttfyrirmlshfWuntil;gild  ingarkvrWunarskv.1.mgr.leggjastdagsektirframviWkomandiaWila. i  y :innheimtardagsektirfallaekkiniWurY;ttaWilarverWisWarviWkrfumSeWlabankans \4 nemaSeWlabankinnkveWiYaWsrstaklega. '  y kvarWanirumdagsektirsamkvmtYessarigreineruaWfararhfar.   y Innheimtardagsektirrennarkissj;WaWfrdregnumkostnaWiviWinnheimtuna.   y HeimilteraWkveWannarumkvrWunoginnheimtudagsektareglugerW. `    45.gr. " ViWurlg. # /  y FyrirbrotlgumYessumskalrefsaWmeWsektumeWafangelsialltaWeinuriliggiekki  $ YyngrirefsingviWbrotisamkvmtWrumlgum.Tilraunoghlutdeildbrotumlgum !W% YessumerrefsiverWeftirYvsemsegiralmennumhegningarlgum. J""&  y GeramlgaWilasektfyrirbrotlgumYessum;hWYvhvortskersnnuWtiltekinn #' fyrirsvarsmanneWastarfsmannlgaWilanseWaannanaWilasemstarfarhansvegum. #(   46.gr. v%N!* ReglugerWirogreglurbankans. A&"+  y RWherragetur,aWfenginniumsgnSeWlabanka0slands,settmeWreglugerWnnarikvWi  '",  umframkvmdeinstakrakvWalagaYessara. '#-  y & a  SeWlabanka0slandserheimiltaWsetjareglurumviWfangsefnisnsamkvmtlgumYess ( um.SeWlabankinnbirtirreglursemhannsetursamkvmtlgumYessumYannigaWYrsu  aWgengilegaralmenningi.'a(E    47.gr. T, Gildistaka.   y LgYessiWlastgildi1.janar2020.FrsamatmafallargildilgumSeWlabanka  0slands,nr.36/2001,meWsWaribreytingum.ViWgildistkuYessaralagaflytjastllverkefni   FjrmlaeftirlitsinstilSeWlabanka0slands.  X    kvWitilbrWabirgWa.    I.     < y XrttfyrirkvWi47.gr.errWherraheimiltaWauglUsaogskipavaraseWlabankastj;ra   fyrir1.janar2020.XerrWherraheimiltfyrir1.janar2020aWskipaverkefnisstj;rntil wO  aWundirbagildistkuYessaralaga.0verkefnisstj;rninniskulueigastieinnfulltrirW B  herrasemfermeWmlefniSeWlabanka0slands,einnfulltrirWherrasemfermeWmlefni    fjrmlamarkaWa,einnfulltriSeWlabanka0slandsogeinnfulltriFjrmlaeftirlitsins.      II.  nF 0 y SeWlabankastj;riskalviWgildistkulagaYessarahaldaembttisnutillokaskipunartma 9 sns.   y EmbttiaWstoWarseWlabankastj;raverWurlagtniWurYegarlgYessiWlastgildiogerrW  herraheimiltnauglUsingaraWflytjanverandiaWstoWarseWlabankastj;ranUttembttivara r seWlabankastj;raskv.36.gr.lagaumrttindiogskyldurstarfsmannarkisins,nr.70/1996. e= LaunYeirrasemfluttireruembttivaraseWlabankastj;rasamkvmtYeirrigreinskulutaka 0 breytingum1.jlrhvertmiWaWviWYrforsendursemlUster3.mgr.5.gr.lagaYessara.     III.  i  y XeirsemsitjabankarWiSeWlabanka0slandsviWgildistkulagaYessaraogvaramenn \4 YeirraskuluhaldaumboWisnutilseturWinuYartilnUttbankarWhefurveriWkjriWaW ' loknumnstukosningumtilAlYingis.     IV.  `  2 y XeirtveirsrfrWingarsviWiefnahagsogpeningamlasemviWgildistkulagaYessara S+! sitjapeningastefnunefndgrundvelliskipunarrWherraskuluhaldaumboWitilsetunefnd " inniYartilskipunartmiYeirrarennurt. #    V.  !W%  y XrttfyrirkvWi2.mgr.28.gr.erSeWlabanka0slandsheimiltaWannastviWskiptiviWein J""& staklingaogfyrirtki,endasumaWrWaviWskiptisemSeWlabankinnmeturnauWsynlegtil #' aWhgtsaWlosaumtakmarkanirsemsettarhafaveriWfjrmagnshreyfingaroggjaldeyris #( viWskipti.XerSeWlabankanumheimilt,YeimtilgangiaWdragar,komavegfyrireWagera $ ) kleiftaWbregWastviWneikvWumhrifumstWugleikagengisogpeningamlum,aWtaka v%N!* m;tihverskynsfjrhagslegumverWmtum,Y.m.t.krfurttindum,fjrmlagerningumog A&"+ eignarhlutumflgumogWrumrttindumyfirYeimtengslumviWtlanirumlosun  '",  fjrmagnshafta. '#-  y &   XauverWmtisemSeWlabankinntekurm;tigrundvelli2.mlsl.1.mgr.skulurenna ( rkissj;W.Laustf,Y.m.t.sluandvirWieignaaWfrdregnumkostnaWi'( viWrvinnsluog  rWstfuneignanna,skalvarWveittsrstkumreikningumrkissj;Wsbankanum.BankasUsla  rkisinsfermeWeignarhlutrkisins0slandsbanka. a  y RWstfunrkisinsverWmtumskv.2.mlsl.1.mgr.skalsamrUmastmarkmiWumum T, efnahagsleganogfjrmlaleganstWugleika.0frumvarpitilfjrlagaskalgerWgreinfyrir  tlaWrimeWferWogrWstfunverWmtanna.RWherraskalhafasamrWviWSeWlabankann  ummathrifumYessaefnahagsleganogfjrmlaleganstWugleikaogkynnamliWfyrir   efnahagsogviWskiptanefndundirbningsstigifjrlagafrumvarps.  X   VI.     $ y Fyrirlokrs2021skalrWherraflytjaAlYingiskUrsluYriggja;hWrasrfrWingasviWi    peningaogfjrmlahagfrWiogfjrmlaeftirlitsumreynslunaafstarfinefndaSeWlabanka   0slandseftirgildistkulaganna,m.a.meWhliWsj;nafskiptinguverkefnamillifjrmla wO  stWugleikanefndarogfjrmlaeftirlitsnefndar.MetaskalsrstaklegareynslunaafvarWar B  ogviWskiptahttaeftirlitiinnanbankansogmgulegaorWsporshttuvegnaYess.      VII.  {  {' y Bttektskv.36.gr.skalgerafyrstasinnifyrirlokrs2022. nF @#`_____________ e= @ `X$ Xz#SamYykktAlYingi20.jn2019.#z#XX$ i(#