WPCm( J~)]f5|: 䍀n 1} F.фq-2-U<} Z b9,霱RRk۬@ps; Bdg|{ˮWA sVܕYG,Xo[?>\\dfF~ʮ?&0L/婲u`6~Q*C*rGgh~ѬZ\.=nz꥚8X NRzŰ?(ART>튷J;vQa'KA_p `P d@t4>]=B]SC'GQx[Š f>6RhVKiwD<jV)T启~@ݝa~ӹqV34z cs25Azթ UNv % 0 # 4> mw4^ -9/H 0(w B-Z 0l& 0Df(aN 1 0 0 0 0u!! 0wa"a" 0"" 0u#u# 1u:$:$:$:$ B$$$$$$$$$$$$$$$$$ 72%%%% 1"&"&"&"&"&"&"&"&"&"&"&"&"&"&"&"&"&"&"&"&"&U:&&&&M&&&&D''''''(E(&d9 Z6Times New Roman RegularX(y$,..,*TRW6&A4W6&A4 6&A4 6&A4T ? **0?vvbX0#ggdd  8*dd8ISUS,.     ^^` Adobe PDF0W:\WP2000\SKJRI~IZ.WPTW:\WP2000\SkjritunY2k-nytt.wptUpxUrirs?g{V3|x %y_($)Hairline d8DocumentManagement::ModifiedBooleanTRUE(%2$ y!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? <,XX0?vvbX0#ggdd  8"dd8ISUS,.     ^^`   S<,  0  0  (#$  0    aD',..,XXXX? 6XX0?vvbX0#ggdd  ISUS,.   _ԀTABLE Aikmo %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.(3D$ y!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? <,XX0?vvbX0#ggdd  8"dd8ISUS,.     ^^`   (3D$ y!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? <,XX0?vvbX0#ggdd  8"dd8ISUS,.     ^^`   (3\{$ y!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? <,XX0?vvbX0#ggdd  8"dd8ISUS,.     ^^`    d (M0J$2  0  .3  0 ` (O;$0  2#  a  .3  0` (#(#(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) d  g\{+,..,XXXX? 6XX0?vvbX0#ggdd  ISUS,.   d  ݀qi) gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)4cp Z "Times Regular : eD),..,XXXX? 6XX0?vvbX0#ggdd  ISUS,.   _>? Ҁ y!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? 6XX0?vvbX0#ggdd  86dd8ISUS,.     ^^`   _ >?  _ikmo(%03q  9153.lggjafarYing2022!2023. ( _Xingskjal_Ԁ1816"541.ml.  2.umrWa.     vN6  _Nefndarlit_#6 vN#     umfrumvarptillagaumbreytingulgumumSeWlabanka0slands,nr.92/2019   (_fjrmlaeftirlitsnefnd_).   X Frefnahags-og_viWskiptanefnd_.    >  NefndinhefurfjallaWummliWogfengiWsinnfundHermannSmundssonogSigurW   rnGunnleifssonfrforstisrWuneyti,TryggvaPlssonogJ;hannesKarlSveinsson,Unni wO  Gunnarsd;ttur,varaseWlabankastj;rafjrmlaeftirlits,GuWrnuFinnborguX;rWard;ttur, B  BjrkSigurgslad;ttur,BerglindiHrpuJ;nsd;tturogRannveiguJnusd;tturfrSeWla    banka0slandsogX;reyjuS.X;rWard;tturog:lafSigurWssonfr_Landssamtkum_Ԁlfeyris   sj;Wa. {    UmsagnirbrustfrSeWlabanka0slandsogLandssamtkumlfeyrissj;Wa. nF  Efnifrumvarpsins.     MeWfrumvarpinuerulagWartilbreytingarlgumumSeWlabanka0slands,nr.92/2019,  semsnaaWskipulagiogverkefnumfjrmlaeftirlitsnefndar.NnartiltekiWerkveWiWum r skUrariverkaskiptingumillifjrmlaeftirlitsnefndarogSeWlabanka0slandsengerter e= gildandilgumaukYesssemfjrmlaeftirlitsnefnderfaliWaukiWhlutverkviWstefnum;tun 0 sviWifjrmlaeftirlits.LagtertilaWSeWlabanki0slandstakiaWmeginstefnuYrkvarWanir  semfaldareruFjrmlaeftirlitinulgumeWastj;rnvaldsfyrirmlum.X;erlagttilaW_fjr  mlaeftirlitsnefnd_ԀfjalliumogtakikvarWanirnokkrumtegundumveigameirimla,svosem i varWandikrutillgregluvegnameintrabrotagegnYeimlgumsemFjrmlaeftirlitinuer \4 faliWaWhafaeftirlitmeW,beitingudagsektatilaWknUjaumrbturogumfvti.Einnig ' erkveWiWumaWgefaskulifjrmlaeftirlitsnefndtkifritilaWkomaaWbendingumog  athugasemdumWurenteknarerutilteknarkvarWanir.    AWaukierulagWartilbreytingarskipanfjrmlaeftirlitsnefndar,svosemumaWseWla `  bankastj;riskuliveraformaWurhennar,aukbreytingarkvWumervarWatWnifunda S+! nefndinni.XerlagttilaWkvWilagannaumskipunartmautanaWkomandisrfrWinga " fjrmlaeftirlitsnefndverWibreyttsvoaWskipunartmiYessaranefndarmannaverWi_mis # langur_,frYremurrumtilfimmra.MarkmiWtillgunnareraWtryggjaaWutanaWkomandi  $ srfrWingarnefndinniltiekkiafstrfumsamatmaogstuWlaYannigaWsamfelluYegar !W% kemuraWYekkinguutanaWkomandinefndarmannastarfseminefndarinnarogaWnUir J""& nefndarmennfimguleikaaWstarfameWsrfrWingumsemhafasetiWnefndinniein #' hverntma. #(  Umfjllunnefndarinnar.  v%N!* ForsagaogmarkmiWfrumvarpsins. A&"+   MeWlgumumSeWlabanka0slands,nr.92/2019,voruSeWlabanki0slandsog_Fjrmla  '", eftirlitiW_ԀsameinuWogeftirlitmeWfjrmlastarfsemiflutttilSeWlabankans.Samkvmt '#- lgunumferSeWlabankinnmeWYauverkefnisemFjrmlaeftirlitinuerufalinlgumog (z$.  9  y_    stj;rnvaldsfyrirmlum,enskv.15.gr.lagannatekur_fjrmlaeftirlitsnefnd_ԀSeWlabankansYr ( kvarWanirsemfaldareru_Fjrmlaeftirlitinu_.    grundvellikvWistilbrWabirgWa_VI_ԀlgumumSeWlabanka0slandsskipaWi_forstis  rWherranefndsemfaliWvaraWgerattektreynslunniafstrfumnefndaSeWlabanka0s a landseftirgildistkulaganna(_ttektarnefndin_).SWarihlutars2021skilaWinefndinskUrslu. T, Helstu_bendingarnar_ԀskUrslunefndarinnarltaaWstarfsemi_fjrmlaeftirlitsnefndar_Ԁog  varWa_m.a._Ԁ;lj;sarreglurum_valdframsal_Ԁnefndarinnartil_varaseWlabankastj;ra_,;lkarreglur  umformennskuengildaumaWrarnefndirbankansogaWstWunefndarmannatilYessaWtaka   efnislegaYttmeWferW_stj;rnsUslumla_.  X   0kjlfarskUrslunnarskipaWiforstisrWherrastarfsh;ptilaWveratilrWgjafarumm;tun K #  _lagabreytingartillagna_ԀmeWhliWsj;naftillgum_ttektarnefndarinnar_.FrumvarpiWbyggist    niWurstWum_starfsh;psins_.      MeWfrumvarpinuerbrugWistviWtillgumsem_ttektarnefndin_ԀsettiframskUrslunni,_m.a._   tilYessaWtryggjarttarryggiviWkvarWanatkusviWi_fjrmlaeftirlits_Ԁsembest.Sna wO  breytingarnaraWbendingumskUrslunniumlgbundinverkefni_fjrmlaeftirlitsnefndar_, B  skipunnefndarinnar,mlsmeWferWoggagnsium_valdheimildir_.0greinargerWfrumvarpsins    kemurframaWviWbrgWviWWrumathugasemdum_ttektarnefndarinnar_ԀbWiYartilmatsr   frWingasemskipaWirvoruskv.36.gr.lagaumSeWlabanka0slandsliggurfyrir. {    Hinn31.janar2023birti_forstisrWuneytiW_ԀskUrsluhinnaYriggja_;hWu_ԀsrfrWinga nF semskipaWirvoruskv.36.gr.lagaumSeWlabanka0slands.SamhliWaumfjllunumfrum 9 varpiWfkknefndinkynninguskUrslunni(ytramatsskUrslunni)fr_skUrsluhfundum_,  _Pentti_Ԁ_Hakkarainen_,_Patrick_Ԁ_Honohan_Ԁog_Joanne_Ԁ_Kellermann_.EfniskUrslunnartengistefni  frumvarpsinsaWYvleytitilaWYarkomaframbendingarsemtengjast_m.a._Ԁskipun_fasta r nefnda_ԀSeWlabankansoghlutverkiYeirra,valddreifinguinnanstofnunarinnaroghlutverki e= _bankarWs_. 0   0lj;siYeirrabendingasemframkomaytramatsskUrslunnitelurnefndinstWutilYess  aWrtta,lktogframhefurkomiWumrWuumfrumvarpYetta,aWYveraWmeginstefnu  tiltlaWaWskUralitamlsemvarWa_valdframsal_Ԁfr_fjrmlaeftirlitsnefnd_Ԁtil_varaseWla i bankastj;ra_Ԁ_fjrmlaeftirlits_ԀtilYessaWtryggjarttarryggiviWtkukvarWanasviWi_fjr \4 mlaeftirlits_. '   ViWumfjllunnefndarinnarummliWkomuframsj;narmiWYessefnisaWfrumvarpiWvri  ;tmabrt,lj;siYessaWekkihefWigefisttmitilYessaWm;taYrbreytingarsemlagWareru  tilmeWhliWsj;nafytramatsskUrslunni.0YvsambandivsarnefndintilYeirrasj;narmiWa `  semaWframanerurakinumforsgufrumvarpsinsogmarkmiWYessaWaukarttarryggiviW S+! meWferWmlasviWi_fjrmlaeftirlits_ԀogbendiraWYeirrivinnusemh;fstmeWsameiningu " SeWlabankansog_Fjrmlaeftirlitsins_ԀerekkilokiW. # SkiptingverkefnamilliSeWlabanka0slandsogfjrmlaeftirlitsnefndar. !W%   EinveigamestabreytinginsemerlgWtilfrumvarpinusnUraWskiptinguverkefnamilli J""& SeWlabanka0slandsog_fjrmlaeftirlitsnefndar_.X;tt4.mgr.2.gr.lagaumSeWlabanka0slands #' kveWiumaW_FjrmlaeftirlitiW_ԀshlutiafSeWlabankanumer15.gr.kveWiWumaW #( kvarWanirsemfaldareru_Fjrmlaeftirlitinu_Ԁlgumog_stj;rnsUslufyrirmlum_Ԁskuliteknar $ ) af_fjrmlaeftirlitsnefnd_.XannigerlgunumgerWursrstakurgreinarmunurYvhvaW v%N!* teljisttilverkefnaSeWlabanka0slandsoghvaWteljisttilverkefna_fjrmlaeftirlitsnefndar_.X A&"+ ergildandilgumkveWiWumheimild_fjrmlaeftirlitsnefndar_ԀtilYessaWframselja_vara  '",  seWlabankastj;ra_ԀvaldtiltkukvarWanasemekkiteljastmeirihttar. '#-   & a   0skUrslu_ttektarnefndarinnar_ԀerbentaWYaW_valdframsal_ԀsemlgingerWurWfyrirgti (  skapaWlagaleglitaml.NnartiltekiWvriframkvmdinYannigaW_fjrmlaeftirlitsnefnd_  'a("0framseldivaldtil_varaseWlabankastj;ra_Ԁ_fjrmlaeftirlits_,samkvmtheimildlgum,YaWvald  vrisvoaWeinhverjuleyti_framselt_ԀennnUfr_varaseWlabankastj;ra_Ԁtilannarrastarfsmanna a eWasviWabankans.MeWfrumvarpinuerbrugWistviWYvmeWYvaWkveWaumYaWmeW T, skUrumhttiaWtiltekinverkefni_fjrmlaeftirlits_Ԁteljistsrstaklegatilverkefna_fjrmlaeftir  litsnefndar_,enSeWlabankanumsjlfumfaliWaWtakaaWrarkvarWanir,semekkierusrstak  legafaldarnefndinni.Xannigmun_fjrmlaeftirlitsnefnd_ԀtakahelstukvarWanirervarWa   beitingu_viWurlagaheimilda_Ԁog_YvingunarrrWa_.X;ttaWrarkvarWanirenYrsemsrstak  X legaerufaldar_fjrmlaeftirlitsnefnd_ԀverWiteknarafSeWlabankanumergertrWfyriraWYeim K #  mlumverWimarkaWurtiltekinnfarvegurstarfsreglum_fjrmlaeftirlitsnefndar_.      NefndintekurundirYaWsemkemurframgreinargerW,aWmeWYessumhttiskomiWtil    m;tsviWsj;narmiW_ttektarnefndarinnar_ԀumaukiWrttarryggiog_skilvirkni_Ԁframkvmd.   MeWYeimbreytingumsemlagWarerutilerskUrtkveWiWumhvernig_framsali_Ԁvaldsinnan wO  SeWlabankansogverkaskiptingumillinefndarinnarogSeWlabankansskulihttaW. B  Breyttskipannefndarinnarog_lykilmannahtta_.     0frumvarpinuerlagttilaWseWlabankastj;riverWiformaWur_fjrmlaeftirlitsnefndar_.Sam {  kvmtgildandilgumseWlabankastj;riaWjafnaWiekkistinefndinni,entekurstisem nF formaWurhennarviWtkutiltekinnakvarWana.0nefndinnimunuYvsitjaseWlabankastj;ri, 9 _varaseWlabankastj;ri_Ԁ_fjrmlaeftirlits_,_varaseWlabankastj;ri_Ԁ_fjrmlastWugleika_ԀogYrrsr  frWingarmlefnum_fjrmlamarkaWar_ԀskipaWirafrWherrasemfermeWmlefni_fjr  mlaeftirlits_. r   AWaukierlagttilaW_skipunartmi_ԀYeirraYriggjasrfrWingasemrWherraskiparverWi e= ;lkur,_Y.e._ԀfrYremurrumtilfimmraogskalYessaWjafnaWigttaWskipunsrfrW 0 ingannaYriggjaljkiekkisamatma.MeWbreytingunnierleitastviWaWhaldasamfellu  strfumnefndarinnarYannigaWvallteigistinefndinniutanaWkomandi_nefndarmaWur_Ԁsem  hefurreynsluogYekkinguafstarfihennar.0samrmiviWbreytingunaerlgWtilbreyting i _hmarksskipunartma_Ԁnefndina,YannigaWvikiWerfrYvaWekkimegiskipasrfrWing \4 oftarentvisvarogYessstaWkveWiWumaWsrfrWingurgetiekkittstinefndinni ' meiraentur.    SbreytingaWseWlabankastj;riverWiformaWur_fjrmlaeftirlitsnefndar_ԀersamrmiviW  tillgu_ttektarnefndarinnar_ԀYarsembentvaraW;lk_formennska_Ԁ_fjrmlaeftirlitsnefnd_ `  ogWrum_fastanefndum_ԀSeWlabankansskapaWi;Yarfa_flkjustig_.BentinefndinaWefhorft S+! vritilhefWbundinnasj;narmiWaumaWbyrgWfylgikvrWunumogfugtvri_rkrttara_ " aWseWlabankastj;rihefWiformlegastWuinnannefndarinnarYeimmlumsemhennieru # falinY;tthannmyndisamrmiviWstj;rnskipulagfela_varaseWlabankastj;ra_ԀaWleiWa_ml  $ efnasviWiW_.XerYessgetiWaWYausj;narmiWum_orWsporshttu_ԀsemhefWubiWYvaWbaki !W% aW_varaseWlabankastj;ri_ԀvrisamkvmtgildandilgumformaWurhefWulklegaveriW_of J""& metin_. #'   NefndinteluraWhafaYurfihugaaWseWlabankastj;ristUrirogberbyrgWstarfsemiog #( rekstriSeWlabanka0slands,skv.1.mgr.3.gr.laganna.0YvsamhengierrkrttogeWlilegt $ ) aWhanngegniformennsku_fjrmlaeftirlitsnefnd_ԀendaberhannreyndbyrgWYvaW v%N!* framfylgjakvrWunumhennar.EnguaWsWurtelurnefndinaWhafaYurfihugaYaWsem A&"+ framkemurytramatsskUrslunni.XarerbentaWseWlabankastj;ristUrillummlefnum  '", bankanssemekkieru_lgkveWin_ԀogYaWsekki;venjulegt_samanburWarlndum_ԀaWslkt '#- valdsreyndhndumSeWlabankans.OftastsslktvaldhinsvegarfaliWseWlabankastj;ra (z$. grundvellieinhverskonar_valdframsals_ԀWristj;rnar,enekkigrundvellilagaeinsog ( tilfelliSeWlabanka0slands.0samhengiviWfrumvarpiWbendirytramatsnefndinaWaukin  samYjppunvaldskallim;tvgistj;rnarhttum.    NefndinbendiraWsamhliWabreyttriformennskunefndinniergertrWfyrirYvaW a _varaseWlabankastj;ri_ԀfiskilgreinthlutverkviWundirbningaWtillguaWstefnumrkunviW T, framkvmd_fjrmlaeftirlits_ԀaukYesssemhonumerfalinumsj;nmeW_innleiWingu_Ԁhennar  aWlokinniumfjllunnefndinni.0YvgeturfalisttiltekiWm;tvgiendaerendanleg  kvrWuntekinvettvangi_fjrmlaeftirlitsnefndar_.EnguaWsWurtelurnefndinmikilvgtaW   framangreindarathugasemdirytramatsnefndarinnarverWiteknartilskoWunarninni  X framtW. K #    AWframangreinduvirtuleggurnefndintilaWfrumvarpiWverWi samYykkt;breytt .      X;rhildurSunnavarsd;ttir,sthildurL;aX;rsd;ttir,GuWbrandurEinarssonogKristrn    _Frostad;ttir_ԀvorufjarverandiviWafgreiWslumlsins.     AlYingi,16.ma2023. B  #R*ddd Xdd Xdd X>>,}",>",>","+  3)     m3GuWrnHafsteinsd;ttir, zR  form. 9/E ##$$ 9SteinunnX;rarnad;ttir, zR  _frsm_. 8.E ##$$ 8gstBjarniGarWarsson. G=zR  m ##$$ mG_Dilj_Ԁ_Mist_ԀEinarsd;ttir. ,"##$$ ,HafdsHrnnHafsteinsd;ttir." m   "