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'>%-     SeWlabanki0slandshefureinkartttilYessaWgefatpeningaseWlaogltasloggefat ( &. mynteWaannangjaldmiWilsemgetigengiWmannamillistaWpeningaseWlaeWalglegrar i)&/ myntar. 4*'0   SeWlarogmyntsemSeWlabankinngefurtskuluveralgeyrirtilallragreiWslnameWfullu *j(1 kvWisverWi. +5)2   TilefnismyntsemSeWlabankinngefurtskalveralgeyrirtilallragreiWslnameWfullu ,*3 kvWisverWi.SeWlabankanumerheimiltaWkveWaaWtilefnismyntsseldmeWlagi `-*4 kvWisverWhennar.g;WaafslutilefnismyntarskalvariWtillista,menningareWavsinda ' samkvmtkvrWunforstisrWherra.    ForstisrWherrakveWuraWfengnumtillgumSeWlabankanslgun,tlitogfjrhWseWla  YeirraogmyntarsembankinngefurtoglturbirtaauglUsinguumYaWefni. a   III.KAFLI   InnlendviWskipti.   6.gr.       SeWlabanki0slandstekurviWinnlnumfrinnlnsstofnunumentilYeirrateljast  X viWskiptabankar,sparisj;Wir,tiberlendrainnlnsstofnanaogaWrarstofnanirogflgsem J #  heimilterlgumsamkvmtaWtakaviWinnlnumfralmenningitilgeymsluogvxtunar.    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Yessarigrein,YarmeWaltilhvaWalnastofnanahntekur.0YeimmkveWaaWbindihlutfall l)E%/ smismunandieftireWlilnastofnanaogverWbrfasj;Waogflokkuminnlnaogannarra 7*&0 skuldbindingasembindinginnrtil.GtaskaljafnrWisviWkvrWunbindiskylduYannig +&1 aWhnvaldiekkirskunsamkeppnisstWumilliYeirrainnlendufyrirtkjasemsta +'2 innlnsbindingu. ,q(3  c-<)4   12.gr. '     SeWlabanka0slandserheimiltaWsetjareglurumlgmarkeWameWaltallaussfjr  lnastofnanasemYeimbertWaWhafayfiraWrWaYeimtilgangiaWmtafyrirsjanlegum  oghugsanlegumgreiWsluskuldbindingumtilteknutmabili,sbr.4.gr.0YeimmkveWaaW a mismunandikvWigildiumeinstakaflokkalnastofnana. S,   13.gr.      SeWlabanka0slandserheimiltaWsetjalnastofnunumreglurumgjaldeyrisjfnuW.0slkum   jfnuWiskalaukgengisbundinnaeignaogskuldateljaskuldbindingarogkrfursemtengdar  X eruerlendumgjaldmiWlumutanefnahags,svosemframvirkasamningaogvalrttarsamninga. J #    14.gr.        SeWlabanki0slandsannasthverskonarbankaYj;nustufyrirrkissj;WaWraen   lnafyrirgreiWslu,sbr.16.gr.InnstWurrkissj;WsskuluvarWveittarreikningum vO  SeWlabankanumnemasrstakaraWstWurgefitilefnitilannars. A    SeWlabankinnskalverarkisstj;rntilrWuneytisumalltsemvarWargjaldeyrisml,Yar    meWalerlendarlntkur,ogtakaaWsrframkvmdYeimefnumeftirYvsemumverWur   samiW. {    15.gr. 8     Stj;rnvldveitaSeWlabanka0slandsYrupplUsingarumefnahagsmlalmenntogum  rkisfjrml,lntkuroggreiWslutlanirrkissj;WssemnauWsynlegarerufyrirstarfsemi  bankans. r   16.gr. /     SeWlabanka0slandser;heimiltaWveitarkissj;Wi,sveitarflgumogrkisstofnunum  Wrumenlnastofnunumln.    VerWbrf,semskrWeruopinberrikauphlloggefinerutafYeimaWilumsemumrWir i 1.mgr.ogSeWlabankinnkaupirverWbrfamarkaWieWaaflnastofnunumtilaWn [4 markmiWumsnumpeningamlum,skuluekkiteljastlnsamkvmtkvWumYessarar & greinar.    17.gr. `      SeWlabanki0slandsstundarnnurbankaogverWbrfaviWskiptisemsamrUmasthlutverki R+! hanssemseWlabanka.0YvskynierbankanummeWalannarsheimiltaWeigaaWildaWoghlut " fyrirtkjumogstofnunumsviWikauphallarstarfsemi,verWbrfaskrningarog # greiWslukerfa.  $   SeWlabankanumer;heimiltaWannastviWskiptiviWeinstaklingaogfyrirtkisem ~!W% samkvmtlgum,venjueWaeWlimlsteljastverkefniannarra.HonumerY;heimiltaW I""& annastfrumsluoginnlausnverWbrfasemrkissj;WurhefurgefiWt. #'   IV.KAFLI $ )  Gengisml,gjaldeyrismarkaWurogerlendviWskipti. u%N!*  18.gr. @&"+     SeWlabanki0slandsverslarmeWerlendangjaldeyri,hefurmillignguum  '", gjaldeyrisviWskiptiogstundarnnurerlendviWskiptisemsamrUmastmarkmiWumog '#- hlutverkibankans. (z$.   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J #      SeWlabanki0slandsvarWveitirgjaldeyrisvarasj;WsamrmiviWmarkmiWoghlutverk    bankans.Bankastj;rnseturstarfsreglurumvarWveislugjaldeyrisvarasj;WsinssembankarW    staWfestir,sbr.28.gr.     SeWlabankanumerheimiltaWtakalntilaWeflagjaldeyrisvarasj;Winn.Honumer vO  jafnframtheimiltaWtakaYttsamstarfierlendraseWlabankaogalYj;WlegrabankaeWa A  fjrmlastofnanaumlnveitingartilaWeflagjaldeyrisvarasj;WYtttakenda.      21.gr. {      SeWlabanki0slandsannastsamskiptiogviWskiptiviWalYj;WlegarstofnanirstarfssviWi mF snuumboWirkisstj;rnarinnareWaeftirYvsemhonumerfaliWmeWlgum. 8   SeWlabankinnfermeWfjrhagslegtengslviWAlYj;Wagjaldeyrissj;Winnfyrirhndrkisins.  ForstisrWherraskipareinnmannogannantilvaratilfimmrasenntilYessaWtakasti  sj;WsrWiAlYj;Wagjaldeyrissj;Wsins. r   SeWlabankanumerjafnframtheimiltaWeigaaWildaWWrumalYj;Wlegumstofnunum,enda d= samrUmistYaWhlutverkihanssemseWlabanka. /   V.KAFLI   Stj;rnskipulag. i  22.gr. [4     Yfirstj;rnSeWlabanka0slandserhndumforstisrWherraogbankarWssvosemfyrir & ermltlgumYessum.Stj;rnbankanseraWWruleytihndumbankastj;rnar.    23.gr. `      0bankastj;rnSeWlabanka0slandssitjaYrrbankastj;rarogereinnYeirraformaWur R+! bankastj;rnar.Bankastj;rnberbyrgWrekstribankansogfermeWkvrWunarvaldllum " mlefnumhanssemekkieruWrumfalinmeWlgumYessum. #   ForstisrWherraskiparformannbankastj;rnarSeWlabankansogaWrabankastj;ratilsj  $ rasenn.EkkierskyltaWauglUsaYessiembttilaustilums;knar.AWeinserheimiltaW ~!W% skipasamamannbankastj;ratvisvarsinnum.X;mskipabankastj;rasemekkierformaWur I""& bankastj;rnarogersWaraskipunartmabilisnuformannbankastj;rnartilsjra.Um #' endurskipungildaekkikvWilagaumrttindiogskyldurstarfsmannarkisins. #(   Forfallistbankastj;riYannigaWbankastj;rnsekkifullskipuWgeturforstisrWherrasett $ ) bankastj;ratmabundiWstaWhans. u%N!*   Undirskrifttveggjabankastj;raSeWlabankansYarftilYessaWskuldbindabankann.X;er @&"+ bankastj;rnheimiltaWveitatilteknumstarfsmnnumumboWtilYessaWskuldbindabankann  '", meWundirskriftsinnitilteknummlefnumsamkvmtreglumsemhnseturogstaWfestar '#- skuluafbankarWi,sbr.28.gr. (z$.   24.gr. 7*&0     FormaWurbankastj;rnarSeWlabanka0slandsertalsmaWurbankansogkemurframfyrir +&1 hndbankastj;rnar.Bankastj;rnskiptiraWWruleytimeWsrverkum,sbr.kvWi1.mgr. +'2  23.gr.,Y.m.t.hverskuliverastaWgengillformannsbankastj;rnarfjarveruhans. ,q(3   &   FormaWurbankastj;rnarSeWlabankanskallarbankastj;rnsamantilfundar.valltskal ' boWaWtil''%EfundarYegarannarhinnabankastj;ranna;skar.Fundurinnerlyktunarhfuref  meirihlutibankastj;rnarsiturhann.AflatkvWarWurrslitumviWafgreiWslumla.Falli  atkvWijafntrWuratkvWiformannsbankastj;rnar. a   kvarWanirbankastj;rnarskuluskrWarogritaWarafbankastj;rn.Bankastj;rnsetur S, starfsreglursembankarWstaWfestirumundirbning,rkstuWningogkynningukvarWana  sinnapeningamlum.OpinberlegaskalgerWgreinfyrirkvrWunumbankastj;rnar  peningamlumogforsendumYeirra.     25.gr. J #      Bankastj;rumSeWlabanka0slandser;heimiltaWsitjastj;rnumstofnanaog    atvinnufyrirtkjautanbankanseWatakaYttatvinnurekstriaWWruleytinemaslktsboWiW    lgumeWaumsaWrWastofnuneWaatvinnufyrirtkisembankinnaWildaW.Rsi   greiningurumkvWiYessarargreinargagnvartbankastj;rumskalrWherraskerar.MeW vO  samYykkibankarWsseturbankastj;rnreglurumYtttkuannarrastarfsmannastj;rnum A  stofnanaogatvinnufyrirtkjautanbankans,sbr.28.gr.      26.gr. {      Kj;saskalbankarWSeWlabanka0slandsaWloknumkosningumtilAlYingis.BankarW mF skipasjfulltrarkjrnirhlutbundinnikosninguafAlYingisamtjafnmrgumtilvara.Eigi 8 mkj;sastj;rnendureWastarfsmennlnastofnanaeWaannarrafjrmlastofnanasemeiga  viWskiptiviWbankanntilsetubankarWi.UmboWbankarWsgildirYartilnUttbankarWhefur  veriWkjriW.LtibankarWsmaWurafstrfumtekurvaramaWurstihansYartilAlYingihefur r kosiWnUjanaWalmanntillokakjrtmabilsbankarWsins. d=   BankarWvelurformannogvaraformannreiginrWum.RWherrakveWurY;knun / bankarWssemgreidderafSeWlabankanum.    27.gr. i     FormaWurbankarWsSeWlabanka0slandskallarbankarWsamantilfundar.tWskalY; [4 haldabankarWsfundYegartveirbankarWsmenn;skaYess.FundurbankarWser & lyktunarhfurefmeirihlutibankarWssiturfund.AflatkvWarWurrslitumviWafgreiWslu  mla.FalliatkvWijafntrWuratkvWiformanns.fundumbankarWsskalhaldagerWab;k.    Bankastj;rarsitjafundibankarWsogtakaYttumrWum.XeirskuluY;vkjaaffundi `  efbankarWkveWur. R+!   28.gr. #     BankarWhefureftirlitmeWYvaWSeWlabanki0slandsstarfisamrmiviWlgsemum  $ starfseminagilda.Bankastj;rnskaljafnanupplUsabankarWumhelstuYttistefnubankans ~!W% ogumreglursemhannsetur.AWWruleytiskalbankarWsrstaklegasinnaeftirtldum I""& verkefnum: #'  *(g004ABCD"A0J"  A0JT2g  a  .3  Ԉ0    StaWfestatillgurbankastj;rnarumhfuWYttistj;rnskipulagibankans.A0JTT݌#(   Ќ  "A0J"  A0JV  2g  b  .3  Ԉ0    kveWalaunognnurstarfskjrbankastj;ra,Y.m.t.rtttilbiWlaunaogeftirlaunaog $ ) nnuratriWisemvarWafjrhagslegahagsmuniYeirra.A0JV0V݌u%N!*   Ќ  "A0J"  A0JW2g  c  .3  Ԉ0    Hafaumsj;nmeWinnriendurskoWunviWbankannogrWaaWalendurskoWanda.A0JWW݌@&"+   Ќ  "A0J"  A0JX  2g  d  .3  Ԉ0    StaWfestastarfsreglursembankastj;rnseturumundirbning,rkstuWningogkynningu  '", kvarWanapeningamlum,sbr.24.gr.A0JXX݌'#-   Ќ  "A0J"  A0JGZ2g  e  .3  Ԉ0    StaWfestareglursembankastj;rnseturumumboWstarfsmannabankanstilYessaW (z$. skuldbindabankann,sbr.23.gr.A0JGZtZ݌l)E%/   Ќ  "A0J"  A0J[&&2g  f  .3  Ԉ0    StaWfestakjarasamningaviWstarfsmennbankans,fjallaumreglurumlfeyrissj;WYeirra 7*&0 ogstaWfestaskipunfulltrastj;rnhansYegarsvoberundir.A0J[[݌+&1   Ќ  "A0J"  A0JU]  2g  g  .3  Ԉ0    StaWfestatillguSeWlabankanstilforstisrWherraumreglurumreikningsskilog +'2  rsreikningbankans,sbr.32.gr.A0JU]]݌,q(3   Ќ  "A0J"  A0J^  2g  h  .3  Ԉ0    &   VeitaforstisrWherraumsgnumreglugerWumframkvmdeinstakraYttalaga ' YessaraYegarsvoberundir,sbr.39.gr.''d_A0J^^݌   Ќ  "A0J"  A0Ji`002g  i  .3  Ԉ0    StaWfestarsreikningbankans,sbr.32.gr.A0Ji``݌   Ќ  "A0J "  A0Jsa002g  j  .3  Ԉ0    StaWfestatlunumrekstrarkostnaWbankanssembankastj;rnleggurframupphafi a hversstarfsrs.A0Jsaa݌S,   Ќ  "A0J "  A0Jb  2g  k  .3  Ԉ0    HafaeftirlitmeWeignumogrekstribankansogstaWfestakvarWanirummeirihttar  fjrfestingar.A0Jbb݌   Ќ  "A0J "  A0J)d002g  l  .3  Ԉ0    StaWfestareglursembankastj;rnseturumviWurlgformidagsekta,sbr.37.gr.A0J)dVd݌    Ќ  "A0J "  A0J_e2g  m  .3  Ԉ0    StaWfestareglursembankastj;rnseturumheimildstarfsmannabankanstilsetu  X stj;rnumstofnanaogatvinnufyrirtkjautanbankans,sbr.25.gr.A0J_ee݌J #    Ќ  "A0J "  A0Jf  2g  n  .3  Ԉ0    StaWfestastarfsreglursembankastj;rnseturumvarWveislugjaldeyrisforWans,sbr.20.gr.A0Jfg݌     Ќ    VI.KAFLI    flunupplUsinga,ranns;knirogskUrslugerW. vO   29.gr. A      TilYessaWsinnahlutverkisnuskv.3.og4.gr.geturSeWlabanki0slandsmilliliWalaust    aflaWupplUsingafrYeimsemeruviWskiptumviWbankannskv.6.gr.,sbr.7.gr.,auk   fyrirtkjagreiWslumiWlunogannarrafyrirtkjaeWaaWilasemltaopinberueftirlitimeW {  starfsemisinni,sbr.lgumopinberteftirlitmeWfjrmlastarfsemi. mF   SkyltskalllumaWltaSeWlabankanumtYrupplUsingarsemhannYarfaWhaldatil 8 hagskUrslugerWaraWviWlgWumviWurlgumskv.37.gr.    30.gr. r     SeWlabanki0slandsgerirskUrslurogtlanirumpeningaml,greiWslujfnuW,gengisog d= gjaldeyrismlogannaWsemhlutverkogstefnubankansvarWar.SeWlabankinnskaleigi / sjaldnarenrsfj;rWungslegageraopinberlegagreinfyrirstefnusinnipeningamlumogfyrir  Yr;unpeningamla,gengisoggjaldeyrismlaogaWgerWumsnumYeimsviWum.Xskal  SeWlabankinngefatrsskUrsluYarsemhanngerirtarlegagreinfyrirstarfsemisinni. i   31.gr. &     SeWlabanki0slandsstundarhagranns;knirsemltaaWviWfangsefnumbankanssviWi  peningamlaogfjrmlakerfis.JafnframterbankanumheimiltaWstuWlaaWranns;knum  annarraYessumsviWum. `    VII.KAFLI "  ReikningsskilogrWstfunhagnaWar. #  32.gr.  $     ReikningsrSeWlabanka0slandseralmanaksriW.Fyrirhvertreikningsrskalgera ~!W% rsreikningogskalgerWhanslokiWinnanYriggjamnaWafrlokumreikningsrs.UmgerW I""& rsreikningsfereftirlgum,reglumogg;Wrireikningsskilavenju. #'   ForstisrWherraseturnnarireglurumreikningsskilogrsreikningaWfengnumtillgum #( SeWlabankans,sbr.28.gr. $ )   33.gr. @&"+     InnriendurskoWunSeWlabanka0slandserhndumaWalendurskoWanda,sbr.28.gr.Auk  '", YessskalRkisendurskoWunannastendurskoWunhjSeWlabankanum. '#-   AWlokinniendurskoWunrsreikningibankansskalhannundirritaWurafbankastj;rnog (z$. staWfesturafbankarWi,sbr.28.gr.HafibankarWsmaWurframaWfraathugasemdirviW l)E%/ rsreikningskalhannundirritaWurmeWfyrirvaraogkomaskalframhverseWlisfyrirvarinner. 7*&0   EndurskoWaWurreikningurskallagWurfyrirforstisrWherratilritunareigisWaren +&1 YremurmnuWumeftirlokreikningsrs. +'2   rsreikningSeWlabankansskalbirtarsskUrslubankans,sbr.30.gr.Ennfremurskal ,q(3 bankinnbirtamnaWarlegtefnahagsyfirlit. c-<)4 Ї  34.gr. '     rlegaskalfjrhWsemsvarartiltveggjaYriWjuhlutahagnaWarSeWlabanka0slands  liWnureikningsrigreiddrkissj;W.GreiWslaferframeigisWaren1.jnrhvert.    XrttfyrirkvWi1.mgr.skalSeWlabankinnaWeinsgreiWaYriWjunghagnaWarsns a rkissj;WefeigiWfbankanslokreikningsrssvararekkiaWlgmarkitil2,25%affjrhW S, tlnaoginnlendrarverWbrfaeignarlnakerfisinslokreikningsrsinsundan.    VIII.KAFLI    TmiskvWi.  X  35.gr. J #      BankarWsmenn,bankastj;rarogaWrirstarfsmennSeWlabanka0slandserubundnir    YagnarskylduumalltYaWsemvarWarhagiviWskiptamannabankansogmlefnibankans    sjlfs,svoogumnnuratriWisemYeirfvitneskjuumstarfisnuogleyntskulufara   samkvmtlgumeWaeWlimls,nemad;marirskurWiaWupplUsingarsskyltaWveitafyrir vO  d;mieWatillgreglueWaskyltsaWveitaupplUsingarlgumsamkvmt.Xagnarskyldan A  helstY;ttltiWsafstarfi.      BankarWsmnnum,bankastj;rumogWrumstarfsmnnumSeWlabankanser;heimiltaW   nUtasrtrnaWarupplUsingar,semYeirkomastyfirvegnastarfssnsbankanum,Yeim {  tilgangiaWhagnasteWaforWastfjrhagslegttj;nviWskiptum. mF   XrttfyrirkvWi1.mgr.erSeWlabankanumheimiltaWeigagagnkvmupplUsingaskipti 8 viWopinberaaWilaerlendisumatriWisemlgYessitakatilaWYvtilskilduaWssem;skar  upplUsingashWursamsvarandiYagnarskyldu.    SeWlabanki0slandsskalveitaFjrmlaeftirlitinuallarupplUsingarsembankinnbUryfir r ognUtastkunnastarfsemiFjrmlaeftirlitsins.UpplUsingarsemveittarerusamkvmt d= YessarigreineruhWarYagnarskyldusamkvmtlgumYessumoglgumumopinberteftirlit / meWfjrmlastarfsemi.SeWlabankinnogFjrmlaeftirlitiWskulugerameWsr  samstarfssamningYarsemm.a.erkveWiWnnarumsamskiptistofnananna.    36.gr. [4     SeWlabanki0slandserundanYeginntekjuogeignarskattisamkvmtlgumumtekjuog & eignarskatteinsogYaueruhverjumtma.    Hverskonarskuldbindingar,semgefnarerutafbankanumognafnihans,svoog  skuldbindingarsemveitabankanumhandveWsrtt,arWmiWarafskuldabrfumbankansog `  framslYeirraskuluundanYeginstimpilgjaldi. R+!   37.gr. #     FyrirbrotlgumYessumskalrefsameWsektumeWafangelsiliggiekkiYyngrirefsing  $ viWbrotisamkvmtWrumlgum.TilraunoghlutdeildbrotumlgumYessumerrefsiverW ~!W% eftirYvsemsegiralmennumhegningarlgum. I""&   SeWlabanka0slandserheimiltaWbeitalnastofnanirogverWbrfasj;WiviWurlgumformi #' dagsektasemkveWnarerusamkvmtreglumsemsettareruafbankastj;rnmeWsamYykki #( bankarWs,sbr.28.gr.,hltiYrekkireglumbankansumbindiskyldu,laustfog $ ) gjaldeyrisjfnuW.DagsektirsemkveWnarerusamkvmtYessarigreinminnheimtameW u%N!* aWfraWlgum.ReglurumviWurlgskulukynntarFjrmlaeftirlitinuogYeimstofnunum @&"+ semYrtakatil.kvrWunumaWbeitadagsektummkratilrWherra.InnheimtviWurlg  '", samkvmtYessarigreinskulurennaaWhlutumtilrkissj;WsogskuluYaugreidd1.jn '#- rhvertfyrirnstliWiWr. (z$.   SeWlabankanumerheimiltaWbeitaYaWilaviWurlgumformidagsektasemvanrkja l)E%/ aWveitabankanumupplUsingar,semhannrttsamkvmtlgumYessum,eWaveita 7*&0 bankanumvsvitandirangarupplUsingar.Bankastj;rnseturreglurumYessiviWurlgsem +&1 skulustaWfestarafbankarWi. +'2   ,q(3   & a  38.gr. '     SeWlabanka0slandserheimiltaWsetjareglurumviWfangsefnisnsamkvmtlgum  Yessumeftir'a'*YvsemstWaverWurtalintil.SeWlabankinnbirtirreglursemhannsetur  samkvmtlgumYessumYannigaWYrsuaWgengilegaralmenningi. a   IX.KAFLI   Gildistakao.fl.   39.gr.       ForstisrWherragetur,aWfengnulitibankarWs,settmeWreglugerWnnarikvWium  X framkvmdeinstakrakvWalagaYessara. J #    40.gr.        LgYessiWlastgildinYegar.UmleiWfallargildilgnr.36/1986,umSeWlabanka   0slands,meWorWnumbreytingum.kvWi5.gr.laganr.54/1974umYtttkuSeWlabanka vO  0slandsgreiWslukostnaWarafstarfsemiXj;Whagsstofnunarfellurrgildi1.janar2002. A  FramlagSeWlabanka0slandsVsindasj;WgreiWistsWastaskiptirinu2001.      kvWitilbrWabirgWa. {  I. mF     ViWgildistkulagaYessarakUsAlYingisjfulltrabankarWSeWlabanka0slandsog 8 jafnmargatilvara.FrsamatmafellurniWurumboWYeirraerYsitjabankarWinu.     II. r     Bankastj;rarSeWlabanka0slandsviWgildistkulagaYessarahaldastrfumsnumtilloka d= skipunartmasns.kvWi2.mgr.23.gr.umskipunbankastj;ragildirfrogmeWfyrstu / skipunembttibankastj;raeftirgildistkulaganna.ViWgildistkulagannaskipar  forstisrWherraformannbankastj;rnarrrWumbankastj;ratilsamatmaogskipunhans  embttibankastj;ravarir. i A%N)  dEA `  @ `X%4X_SamYykktAlYingi18.ma2001.#_XX%4#Ԉ #'