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B      Rafeyrisfyrirtkiskalhafafullngjandiinnraeftirlitskerfi.KerfiWskalverasamrmi    viWfjrhagslegahttuogaWrahttusemrafeyrisfyrirtkierbin.FjrmlaeftirlitiWgetur   settreglurumeftirlitskerfivegnahttuYttastarfsemirafeyrisfyrirtkja. {    Umframkvmdastj;raogstj;rnarmennrafeyrisfyrirtkisgildir38.gr.lagaumviW nF skiptabankaogsparisj;Wi. 9   9.gr.  Takmrkunfjrfestinga. r     FjrfestingarrafeyrisfyrirtkisskuluaWminnstakostisamsvarafjrskuldbindingumYess e= vegnatistandandirafeyris.RafeyrisfyrirtkieraWeinsheimiltaWfjrfestaseljanlegum 0 eignumeWakrfumsamkvmtreglugerWsemviWskiptarWherraseturumtakmrkunfjr  festingarafeyrisfyrirtkja.0reglugerWinniskalm.a.komaframhvaWaeignumogkrfum  rafeyrisfyrirtkigeturfjrfest,matverWmtieigna,takmarkanirmarkaWshttuogh i markfjrfestinga. \4   EfverWgildieignaeWakrafnaskv.1.mgr.ferniWurfyrirfjrhWskuldbindingarafeyris ' fyrirtkisvegnatistandandirafeyrisskalFjrmlaeftirlitiWsjtilYessaWviWkomandi  rafeyrisfyrirtkigerintafarviWeigandirWstafanirtilaWrWab;tYvstandi.    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SamrunirafeyrisfyrirtkisviWviWskiptabanka,sparisj;WeWaannaWrafeyrisfyrirtkier  YvaWeinsheimillaWkvrWunYaraWltandihafihlotiWsamYykkiminnst',(9Ԁ///ta2atvNa3avN/((//hlutagreiddra a atkvWa,svoogsamYykkihluthafaeWastofnfjreigendaviWkomandistofnanasemrWayfir T, _minnst///2 22  3 /**//hlutum_ԀYesshlutafjreWastofnfjrsemfariWermeWatkvWifyrir_hluthafafund  um_ԀaWfengnusamYykkirWherraogumsgnFjrmlaeftirlitsins.Umslkansamrunagilda  aWWruleytikvWilagaumhlutaflgeftirYvsemviWgeturttogsamningar_hlutaWeig   andi_ԀaWila.  X   12.gr.    MeWferWtrnaWarupplUsingaogvirkireignarhlutir.        UmmeWferWtrnaWarupplUsingatengslumviWrafeyrisfyrirtkigildakvWi43.gr.laga   umviWskiptabankaogsparisj;Wi.kvWi10.!13.gr.lagaumviWskiptabankaogsparisj;Wi wO  gildaumvirkaeignarhlutirafeyrisfyrirtkjum. B    13.gr.   Afturkllunstarfsleyfis. {      RWherrageturafturkallaWstarfsleyfirafeyrisfyrirtkisaWfengnumtillgumFjrmla nF eftirlitsins: 9 ! ! )(h00)"A0J"  A0JB2h  1  .3  Ԉ0    HafihlutaWeigandifyrirtkifengiWstarfsleyfiWgrundvellifalsaWrayfirlUsingaeWa  annan;eWlileganhtt,A0JB!C݌ Ќ  "A0J"  A0JkD2h  2  .3  Ԉ0    uppfyllihlutaWeigandifyrirtkiekkikvWi3.gr.umstofnfeWa7.gr.umeigiWf,A0JkDD݌r Ќ  "A0J"  A0JE2h  3  .3  Ԉ0    nUtihlutaWeigandifyrirtkiekkistarfsleyfiinnant;lfmnaWafrYvaWYaWvarveitt, e= afsalisr;tvrttleyfinueWahttistarfsemimeiraensexmnuWisamfellt,A0JEE݌0 Ќ  "A0J"  A0JcG2h  4  .3  Ԉ0    brj;tihlutaWeigandifyrirtkimeWalvarlegumhttieWatrekaWgegnlgumYessum,  reglum,samYykktumeWareglugerWumsettumsamkvmtYeim,eWaA0JcGG݌ Ќ  "A0J"  A0JI2h  5  .3  Ԉ0    suaWstWurmeWYeimhttisemgreinir7.mgr.10.gr.lagaumviWskiptabankaog i sparisj;WaumhfihluthafaeWa38.gr.smulagaumhfistj;rnarmannaogstj;rnenda.A0JI0I݌\4 Ќ    Wurentilafturkllunarkemurskv.1.mgr.skalhlutaWeigandifyrirtkiveitturhfilegur ' fresturtilrb;tasYesskostur.    UppfyllirafeyrisfyrirtkiekkiskilyrWi7.gr.umeigiWfskalrWherraafturkallastarfs  leyfihlutaWeigandifyrirtkisaWfengnumtillgumFjrmlaeftirlitsins,endahafieigiWf `  ekkiveriWfrtlgmlthorfinnanYeirratmamarkasemFjrmlaeftirlitkveWur. S+!   14.gr. # Tilkynningumafturkllunstarfsleyfis.  $     Afturkllunstarfsleyfirafeyrisfyrirtkisskaltilkynntstj;rneWaframkvmdastj;raog !W% rkstuddskriflega.TilkynningumafturkllunskalbirtLgbirtingablaWiogauglUst J""& fjlmiWlum.StarfrkihlutaWeigandifyrirtkitibeWaYj;nustustarfsemiWrurkiinnan #' Evr;pskaefnahagssvWisinsskaltilkynnalgbrumeftirlitsaWilumYvrkiumaftur #( kllunina. $ )   KomitilafturkllunarstarfsleyfirafeyrisfyrirtkisskalhlutaWeigandifyrirtkislitiW. v%N!*   A&"+ z@ z a z    & ,  15.gr. ( Eftirlit.      FjrmlaeftirlitiWhefureftirlitmeWstarfsemirafeyrisfyrirtkja,svoogstarfsemiinnlendra  rafeyrisfyrirtkjaerlendis,nemaannaW',(cPԀleiWiaflgumeWaalYj;Wasamningumsem0slander a aWiliaW.UmeftirlitiWfersamkvmtkvWumlagaYessaraoglagaumopinberteftirlitmeW T, fjrmlastarfsemi.    FjrmlaeftirlitiWgeturkrafisthverskonargagnaogupplUsingafreinstaklingumeWa  lgaWilumsemeigaeWahyggjasteignasteWafarameWeignarhlutrafeyrisfyrirtkiYv   skyniaWmetahvortYeirfalliundirtilkynningarskylduskv.12.gr.lagaYessara,sbr.10.gr.  X lagaumviWskiptabankaogsparisj;Wi,oghvortYeirteljisthfirtilaWfarameWvirkan K #  eignarhlut.      TeljiFjrmlaeftirlitiWaWstarfsemisamkvmtlgumYessumsstunduWntilskilinna    leyfageturYaWkrafistgagnaogupplUsingahjviWkomandiaWilumsemnauWsynlegerutil   aWgangarskuggaumhvortsvos.GeturYaWkrafistYessaWslkristarfsemishttYegar wO  staW.JafnframterYvheimiltaWbirtaopinberleganfnaWilasemtaldirerubj;WaYj;nustu B  ntilskilinnaleyfa.      HeimilteraWbeitakvWumlagaumopinberteftirlitmeWfjrmlastarfsemiumdagsektir   ogleitoghaldggnumviWupplUsingaflunogeftirlitsamkvmtYessarigrein. {    16.gr. 9 ViWurlg.      FyrirbrotlgumYessumskalrefsaWmeWsektumeWafangelsialltaWtveimurrumliggi  ekkiYyngrirefsingviWbrotisamkvmtWrumlgum. r   17.gr. 0 InnleiWing.      LgYessierusettmeWhliWsj;nafkvrWunumsameiginleguEESnefndarinnarnr.  44/2001og45/2001umbreytinguIX.viWaukaviWEESsamninginnfr2.ma1992,ogtil i YessaWtakauppinnlendanrttannarsvegarkvWitilskipunarEvr;puYingsinsogrWsins \4 2000/28/EBfr18.september2000umbreytingutilskipun2000/12/EBumstofnunog ' reksturlnastofnanaoghinsvegarkvWitilskipunarEvr;puYingsinsogrWsins2000/46/EB  fr18.september2000umstofnunogreksturrafeyrisstofnanaogeftirlitmeWYeim.    18.gr. S+! Gildistaka. " #\  LgYessiWlastYegargildi. #   19.gr. !W% \  BreytingarlgumumopinberteftirlitmeWfjrmlastarfsemi. J""& ]  ViW1.mgr.2.gr.lagaumopinberteftirlitmeWfjrmlastarfsemi,nr.87/1998,meWsWari #' breytingum,btistnUrtluliWur,3.tlul.,svohlj;Wandi,ogbreytistrWannarraliWasam #( kvmtYv:Rafeyrisfyrirtki,skv.1.og2.gr.lagaumrafeyrisfyrirtki. $ )   20.gr. A&"+ BreytingarlgumumgreiWslukostnaWarviWopinberteftirlitmeWfjrmlastarfsemi.  '", ^  1.tlul.1.mgr.5.gr.lagaumgreiWslukostnaWarviWopinberteftirlitmeWfjrmlastarf '#- semi,nr.99/1999,meWsWaribreytingum,orWastsvo:ViWskiptabankar,sparisj;Wir,raf (z$. eyrisfyrirtkioglnastofnaniraWrarenviWskiptabankarogsparisj;WirskulugreiWa0,0101% m)E%/ afeignumsamtals,Y;eigilgrifjrhWen400.000kr.LgmarksgreiWslarafeyrisfyrirtkja ( skv.2.gr.lagaumrafeyrisfyrirtkierY;150.000kr.    21.gr. a BreytingarlgumumviWskiptabankaogsparisj;Wi. T,     eftir3.mgr.44.gr.lagaumviWskiptabankaogsparisj;Wi,nr.113/1996,meWsWari  breytingum,komatvrnUjarmlsgreinar,svohlj;Wandi:    ViWtakafjrskiptumfyrirrafeyritelstekkiinnlneWaannaWendurgreiWanlegtfeffnu,   semtekiWerviW,erstraxskiptrafeyri.Handhafirafeyrisgetur,Yeimtmasemrafeyririnn  X ergildi,beWiWtgefandaumaWinnleysahannnafnverWimynteWapeningaseWlumeWa K #  meWYvaWfrahannreikningnannarsendurgjalds.0samningimillirafeyrisfyrirtkis    oghandhafarafeyrisskaltilgreinaskilyrWifyririnnlausnmeWskUrumhtti.      0samningumskv.4.mgr.erheimiltaWsetjalgmarkfjrhWarfyririnnlausn.Lgmark   fjrhWarmekkiverahrraensamsvarar_500_Ԁkr. wO      22.gr.    BreytingarlgumumlnastofnaniraWrarenviWskiptabankaogsparisj;Wi.       eftir2.mgr.8.gr.lagaumlnastofnaniraWrarenviWskiptabankaogsparisj;Wi,nr. {  123/1993,komatvrnUjarmlsgreinar,svohlj;Wandi: nF   Handhafirafeyrisgetur,Yeimtmasemrafeyririnnergildi,beWiWtgefandaumaW 9 innleysahannnafnverWimynteWapeningaseWlumeWameWYvaWfrahannreikning  nannarsendurgjalds.0samningimillirafeyrisfyrirtkisoghandhafarafeyrisskaltilgreina  skilyrWifyririnnlausnmeWskUrumhtti. r   0samningumskv.3.mgr.erheimiltaWsetjalgmarkfjrhWarfyririnnlausn.Lgmark e= fjrhWarmekkiverahrraensamsvarar_500_Ԁkr. 0    kvWitilbrWabirgWa.   j  NgefurfyrirtkitrafeyrisamrmiviWgildandilgviWgildistkulagaYessaraog i skalYlitiWsvoaWYaWhafistarfsleyfiskv.4.gr.laganna. \4   InnantveggjamnaWafrgildistkulagannaskalfyrirtkiskv.1.mgr.afhendaFjrmla ' eftirlitinutlunumhvernigYaWhyggstuppfyllaskilyrWilagannainnansexmnaWafr  gildistkuYeirraeWahvernigYaWhyggstsltafyrirtkinuinnansmutmamarka.Fyrirtki  skaleinnigveitaFjrmlaeftirlitinuallarupplUsingarsemnauWsynlegarerutilaWmetahvort `  YaWuppfyllieWamuniuppfyllaskilyrWilaganna. S+! @ #dggAthugasemdirviWlagafrumvarpYetta.#ggdnԈ #    I.Inngangur.  $  n  Hinn30.mars2001t;ksameiginlegaEESnefndinkvrWunnr.45/2001umaWbreyta !W% IX.viWaukaviWEESsamninginnfr2.ma1992ogfellainnsamninginntilskipun J""& Evr;puYingsinsogrWsins2000/46/EBfr18.september2000umstofnunogrekstur #' rafeyrisstofnanaogeftirlitmeWYeim(hreftirnefndtilskipunin).Hinnsamadagt;k #( sameiginlegaEESnefndinkvrWunnr.44/2001umaWbreytaIX.viWaukaviWEESsamn $ ) inginnfr2.ma1992ogfellainnsamninginntilskipunEvr;puYingsinsogrWsins2000/ v%N!* 28/EBfr18.september2000umbreytingutilskipun2000/12/EBumstofnunogrekstur A&"+ lnastofnana.kvarWanirnarvoruteknarmeWstj;rnskipulegumfyrirvaraaf0slandshlfu.  '", Samkvmt103.gr.EESsamningsinshefur0slandsexmnuWi,frframangreindrikvrWun, '#- tilaWtilkynnaumaflttinguhinsstj;rnskipulegafyrirvara.MeWYingslyktun,dags.11.ma ( 2001,lyktaWiAlYingiaWheimilarkisstj;rninniaWstaWfestafyrir0slandshndkvrWun  sameiginleguEESnefndarinnar.Ofangreindartilskipanirskuluinnleiddarslenskanrtt  fyrir27.aprl2002.0frumvarpiYessuergerWtillagaaWinnleiWingutilskipanannaslenskan a rtt. T,   Tilskipun2000/46/EBfr18.september2000umstofnunogreksturrafeyrisstofnanaog  eftirlitmeWYeimfjallarumrafeyrisfyrirtki,Y.e.tilteknarlgpers;nursemhafameW  hndumtgfuogumsUslumeWrafeyri.0tilskipuninniermeWalannarskveWiWum   heimildirtiltgfurafeyris,lgmarkskrfurumeigiWfrafeyrisfyrirtkja,fjrfestingar  X stefnuYeirraogeftirlitmeWYeim. K #    Tilskipun2000/28/EBfr18.september2000umbreytingutilskipun2000/12/EBum    stofnunogreksturlnastofnanafjallarumrafeyrisfyrirtkiogmlirfyrirumaWslk    fyrirtkiskuliskilgreindsemlnastofnanirskilningisWarnefndrartilskipunar.Slktgerir   aWverkumaWrafeyrisfyrirtkigeturstundaWstarfsemisnahvarsemerinnanEvr;pska wO  efnahagssvWisins. B    ViWskiptarWherraskipaWinefnd2.mars1999tilYessaWfjallaumrafeyrioggreiWslu    kortastarfsemi.NefndinnivarfaliWaWvinnaaWm;tunreglnaumtgfurafeyris,m.a.meW   hliWsj;naffyrirhugaWritilskipunESB.XskyldinefndinmetahvortYrfvrisrstakri {  lggjfumgreiWslukortastarfsemi.0nefndinavoruskipuWfulltrarSeWlabanka0slands, nF Samkeppnisstofnunar,iWnaWarogviWskiptarWuneytisins,SambandsslenskraviWskipta 9 banka,Samtakaverslunarinnar,Neytendasamtakanna,Kreditkortshf.,Sambandsslenskra  sparisj;WaogSamtakaverslunarogYj;nustu.NefndinskilaWiafsrhinn14.n;vember2000.    0janar2001f;lviWskiptarWherranefndsemhefurYaWhlutverkaWendurskoWalg r sviWifjrmagnsmarkaWar(bankalaganefnd)aWgeratillguaWinnleiWingutilskipunarinnar. e= FrumvarpYettavarunniWrWuneytinusamrWiviWbankalaganefnd.Nefndinmunleggja 0 tilaWkvWiumrafeyrisfyrirtkiverWihlutiaffrumvarpitillagaumfjrmlafyrirtkisem  fyrirhugaWeraWleggjaframnstalggjafarYingi.    0frumvarpinuerkveWiWumYaWaWFjrmlaeftirlitiWhafieftirlitmeWstarfsemirafeyris i fyrirtkja.StyWstYaWviW1.mgr.2.gr.tilskipunarinnar,sbr.V.blktilskipunar2000/12/EB \4 umstofnunogreksturlnastofnana.XrfineftirlitiersamrmiviWalYj;Wlegarskuldbind ' ingarslenskarkisins,sbr.3.gr.lagaumopinberareftirlitsreglur,nr.27/1999.Ekkiergert  rWfyriraWrkissj;WurverWifyrirauknumkostnaWivegnaeftirlitsins,YarsemlagtertilaW  YaufyrirtkisemeruundireftirlitinustandiundirkostnaWinum,sbr.19.gr.frumvarpsins. `    kvWitilskipunarinnareruflestinnleiddnmikillaorWalagsbreytinga.EkkihefurveriW S+! taliWaWgeraYurfibreytingarlgumumaWgerWirgegnpeningaYvtti,nr.80/1993,Yarsem " taliWeraWYaulgniyfirrafeyrisfyrirtkiskv.5.tlul.1.mgr.1.gr.laganna. #     II.Almenntumrafeyri. !W% Ã 1.Inngangur. J""&   RafrngreiWslumiWlunhefurtekiWmiklumframfrumundanfarinr.XettaervWtkt #' hugtakogspannarUmsagreiWslumiWlaoggreiWslutki.Semdmiveitirdebetkortkorthafa #( aWgangaWreikningibanka,meWalannarstilaWskuldfrahanneWafrainnannan $ ) reikninggegnumhraWbankaeWaheimabanka.Engirfjrmunirerusjlfudebetkortinu.En v%N!* YaWveitirheimildtilttektarafreikningumsemkortiWertengt.SWanhefurkomiWfram A&"+  greiWslumiWillsemhgteraWhlaWameWgildipeninga,svonefndurrafeyrir,ognotatil  '", greiWslu&   nfrekaritengingarviWbankareikning,annaWhvortmeWYvaWtakattstWhj ( seljandaeWasendahleWslunaumtlvunet.'(.  2.& a HvaWerrafeyrir? a   MeWrafeyri(e.electronicmoney)erttviWtalnarunursemgeymdarerutlvuskrog T, hafasrf;lgin'aԀloforWtgefandaumaWgreiWaYrviWframvsun.Semtalnarunageymd  tlvuskrerrafeyrireWlisnuafritanlegur,enyfirleittvirWisttlasttilYessaWkortiW,tkiW  eWatlvansemrafeyririnnergeymdurhafisrryggisbnaWeWaforritsemkomiveg   fyrirmisnotkun.GreiWslumeWrafeyriereinfaldastaWhugsasrYannigaWgreiWandiafhendi  X viWtakandaskrmeWtalnarunum.XerunntaWgreiWathlutaafYeimrafeyrisemtilstaWar K #  er.      LtamrafeyrisemruggagreiWslufrsj;narh;liYesssemtekurviWhonum,Yarsem    ekkierunntaWvsaeWagreiWameiraenrugglegahefurveriWlagttilhliWarhjtgefanda.   AWYvtilskilduaWbnaWurslagimYvltarafeyriogtkinsemhaldautanumhann wO  semruggareikningameWtakmarkaWriinnstWueWaeinskonarrafrnarbankavsanir.Xess B  vegnattiaWmegatreystagreiWslumrafeyri.EndaverWuraWgerarWfyriraWtgefandi    rafeyrisberiskilyrWislausabyrgWrttm;tteknumrafeyri.Xessireiginleikargerarafeyri   einkarhentugan;tengdum(e.offline)viWskiptum. {    RafeyrirergreiWslumiWill,semsvipartildebetogkreditkorta,Yarsemrgjrviernot nF aWur.rgjrvanumerstundumkomiWfyrirdebeteWakreditkorti,ogerkortiWYrafeyris 9 ogdebeteWakreditkortsenn.HlaWamt.d.rafeyri,gildipeninga,innrgjrvakorts.  RafeyrinnmsWannotatilgreiWslu,YannigaWtekiWersmmsamantsfjrhWsemer  innikortinuhverjusinni.Rafeyriskorteru;lkdebetogkreditkortumaWYvleytiaWYeirri r fjrhWsemertilrWstfunarerhlaWiWinnsjlftkortiW. e= 3.OpiWoglokaWrafeyriskerfi.    RafeyrirerannaWhvortopnueWalokuWukerfi.EinfaldasterlokaWkerfi,Yarsemtgef  andirafeyrisogseljandivruogYj;nustuereinnoghinnsami.Mnefnasmakorttgefin i afsmafyrirtkjumogh;telumsemfgreiWslurgegnumeigiWrafeyriskort.EnginYrfer \4 greiWslujfnunlokuWukerfi,ogofteruYargerWarminniryggiskrfurenella,bWitil ' seljandaYj;nustunnaroghandhafarafeyris.B;khaldvegnarafeyrislokuWukerfi,t.d.vegna  smaogblastWakorta,ermuneinfaldaraengagnvartforhlWnumrafeyri,Yarsemeinungis  YarfaWsinnasluhans. `    0opnukerfierumargirinnbyrWis;tengdirrafeyrism;ttakendur,svoogseljendurvruog S+! Yj;nustu.XrferskipulgWugreiWslujfnunarkerfiogreiWanleguryggiskerfisemtryggir " aWvalltstilinnstWafyrirYeirrifjrhWsemkortinerut.a.m.hlaWinmeW.Kostiropinna # kerfaeruYeirhelstiraWssemYj;nustuveitiraWgetatreystgreiWsluseminnterafhendi  $ meWrafeyri,ogkorthafiaWeinsaWYurfaeittkorttilnotkunarhjmrgumsemYj;nustu !W% veita.0opnukerfikemurYvtilskjalannaaukinYrffyrireftirlitogkrfurumfjrhagsstWu. J""&   AthugasemdirviWeinstakargreinarfrumvarpsins. #( Um1.gr. $ )     kvWi1.mgr.mlirfyrirumgildissviWfrumvarpsinsogskilgreiningurafeyris v%N!* fyrirtki.XaWstyWstviWaliW3.mgr.1.gr.tilskipunarinnar.ViWskiptabankarogsparisj;Wir A&"+ fallautanskilgreiningarinnarumrafeyrisfyrirtki.XeirhafaY;heimildtilaWgefatrafeyri,  '", sbr.5.tlul.1.mgr.44.gr.lagaumviWskiptabankaogsparisj;Wi,nr.113/1996.Hinsvegar '#- fjallalginumviWskiptabankaogsparisj;Winr.113/1996umeigiWfYeirraognnuratriWi ( semfrumvarpYettamlirfyrirumaWgildaskuliumrafeyrisfyrirtki.Xver;YarftaW  viWskiptabankarogsparisj;Wirfalliundirskilgreininguumrafeyrisfyrirtkifrumvarpi  Yessu.samahttfallalnastofnaniraWrarenviWskiptabankarogsparisj;Wirsamkvmt a lgumnr.123/1993utanskilgreiningarinnar.Rafeyrisstofnanirteljastlnastofnanirskiln T, ingitilskipunar2000/12/EBumstofnunogreksturlnastofnana.    02.mgr.errafeyrirskilgreindur.kvWiWstyWstviWbliW3.mgr.1.gr.tilskipunarinnar.  UnnteraWltarafeyrisemrafrnanstaWgengilpeningaseWlaogmynta,semerugeymd   rafrnummiWli,t.d.smartkortieWatlvuminni,ogsemtlaWertilrafrnnargreiWslulgrar  X fjrhWar.XaWerskilgreiningaratriWiaWrafeyrirssamYykktursemgreiWslumiWillhjWrum K #  entgefanda.Xvteljastt.d.smakortsemgefinerutaffjarskiptafyrirtkjumogeinungis    erunntaWnotasmtkjumYeirravegumekkitilrafeyris.      Um2.gr. wO      kvWiWstyWstviW1.mgr.8.gr.tilskipunarinnar.LagtertilaWviWskiptarWherraverWi B  heimiltaWundanYiggjatiltekinrafeyrisfyrirtkifrkvWumfrumvarpsins.Semdmium    ninfjrhagslegeWaviWskiptalegtengsl3.tlul.1.mgr.mnefnasameiginlegamarkaWs   setningueWadreifingu. {    Samkvmt3.mgr.8.gr.tilskipunarinnarskuluYaurafeyrisfyrirtkisemveitterundan nF YgafrtilskipuninniogYarmeWkvWumfrumvarpsinsskilareglubundiWskUrsluum 9 starfsemisna.kvWiYettaerinnleitt2.mgr.    Um3.gr. r     Lagtertil1.mgr.aWrafeyrisfyrirtkiskuliverahlutaflag. e=   kvWi2.mgr.styWstviW1.mgr.4.gr.tilskipunarinnarogmlirfyrirumaWhlutaf 0 rafeyrisfyrirtkisviWstofnunskuliekkiveraundir90millj.kr.Xmegihlutafaldreinema  lgrifjrhWenjafngildieinnarmillj;narevraslenskumkr;nummiWaWviWopinbert  viWmiWunargengieinsogYaWerskrWhverjusinni.kvWiWmiWaraWYvaWtryggjaaW i rafeyrisfyrirtkjumverWiunntaWstandaviWskuldbindingarsnargagnvarteigendumrafeyris \4 ogYeimsemsamYykkjarafeyrisemgreiWsluhtt. '   Um4.gr.      0greininnierlagttilaWkvWilgumumviWskiptabankaogsparisj;Wigildium `  starfsleyfiinnlendrarafeyrisfyrirtkjavegnastarfsemiYeirrahrlandiogEvr;pska S+! efnahagssvWinu.EinnigerlagttilaWkvWismulagaeigiviWumtgfurafeyrishj " erlendumrafeyrisfyrirtkjumhrlandi.MeWkvWumYessumertryggtaWrafeyris # fyrirtkigetigefiWtrafeyriEvr;pskaefnahagssvWinuYegarYauhafafengiWstarfsleyfi  $ einuaWildarrkjanna.kvWiWstyWstviW2.mgr.2.gr.tilskipunarinnar. !W%   & , 02.mgr.ermltfyrirumaWkvWiIII.kaflalagaumviWskiptabankaogsparisj;Wi,nr. J""& 113/1996,gildiumrafeyrisfyrirtki.kvWiWstyWstviW1.mgr.2.gr.tilskipunarinnar,sbr. #' II.blktilskipunarnr.2000/12/EBumstofnunogreksturlnastofnana. #(   kvWi3.mgr.gerirtillguaWinnleiWingu2.mlsl.2.mgr.2.gr.tilskipunarinnar.',J"% $ )     Um5.gr. A&"+     kvWi1.mgr.styWstviW4.mgr.1.gr.tilskipunarinnarogmlirfyrirumeinkartt  '", rafeyrisfyrirtkjatilaWgefatrafeyri.EinnigermltfyrirumeinkarttviWskiptabankaog '#- sparisj;Wasamkvmtlgumnr.113/1996tilaWgefatrafeyrioglnastofnanasemfalla ( undirlgnr.123/1993,umlnastofnaniraWrarenviWskiptabankaogsparisj;Wi.    & a kvWi2.mgr.styWjastviWaogbliW5.mgr.1.gr.tilskipunarinnarogmlafyrirum  YstarfsemisemrafeyrisfyrirtkimegahafameWhndum.Semdmiumnskyldafjrmla a eWaaWraYj;nustu1.tlul.m'aTԀnefnatgfuogumsj;nmeWWrumgreiWslumiWlum. T,   kvWi3.mgr.ertlaWaWtryggjaaWrafeyrisfyrirtkikomiekki;beintaWrekstrieWa  httutengslumviWfyrirtkisemhefurmeWhndumstarfsemisemfellurekkiundir2.  mgr.     Um6.gr. K #      GreininstyWstviW3.gr.tilskipunarinnar.0henniermltfyrirumaWhandhafirafeyrisgeti    innleystrafeyrisinngildistmahans.SkilyrWiinnlausnarskulutilgreindmeWskUrumhtti    samningimillirafeyrisfyrirtkisoghandhafarafeyris.EkkimtakahrriY;knunfyrir   innlausnennemursannanlegumkostnaWi.kvWigreinarinnargildaeinnigumaWrat wO  gefendurrafeyris,sbr.20.og21.gr.frumvarpsins. B    Um7.gr.       GreininstyWstviW2.og3.mgr.4.gr.tilskipunarinnar.KrfuumeigiWfertlaWaW {  tryggjabWihandhafaogviWtakandarafeyrisaWrafeyrisfyrirtkiWsngilegagreiWslufrt nF tilaWuppfyllaskyldursnarhverjumtma.EigiWferskilgreintmeWsamahttioggerter 9 54.gr.lagaumviWskiptabankaogsparisj;Wi,nr.113/1996.kvWiWtengistYannig9.gr.  frumvarpsins.    kvWi4.mgr.styWstviW6.gr.tilskipunarinnar.XaWaWtryggjaaWFjrmlaeftirlitiWfi r upplUsingarumeigiWfrafeyrisfyrirtkjasvoaWYvsunntaWfylgjastmeWhvortraf e= eyrisfyrirtkiuppfyllikvWifrumvarpsinsumeigiWf. 0   Um8.gr.      kvWigreinarinnarstyWjastviW7.gr.tilskipunarinnar. i   Um9.gr. '     kvWi9.gr.hafaaWgeymatillguraWinnleiWingu5.gr.tilskipunarinnar.XeimertlaW  aWtryggjaaWrafeyrisfyrirtkigetitWuppfylltskyldusnauminnlausn.kvWi5.gr.  tilskipunarinnarernokkrutarlegraenfrumvarpsgreinin.LagtertilaWhnverWiaWWruleyti `  innleiddmeWreglugerW. S+!   Um10.gr. #     0greininniermltfyrirumaWkvWiVII.kaflalagaumviWskiptabankaogsparisj;Wi,  $ nr.113/1996,gildiumrafeyrisfyrirtki.XannigergerWtillagaaWinnleiWingu7.gr.tilskip !W% unarinnarog1.mgr.2.gr.hennar,sbr.17.gr.tilskipunarnr.2000/12/EBumstofnunog J""& reksturlnastofnana.Lgumrsreikninga,nr.144/1994,munuoggildaumrafeyrisfyrirtki #' YarsemYaugildaumllhlutaflg,sbr.1.mgr.1.gr.Yeirralaga.  #(    Um11.gr. v%N!*     Greininsvarartil72.gr.lagaumviWskiptabankaogsparisj;Wi,nr.113/1996. A&"+    '",   & a  Um12.gr. (     kvWigreinarinnarumYagnarskyldugerarWfyriraWsmureglurgildiYeimsviWum  ogaWYvervarWarviWskiptabankaogsparisj;Wi.kvWinumvirkaeignarhlutigera'a(0tillgu  aWinnleiWingu1.mgr.2.gr.tilskipunarinnar,sbr.1.!6.mgr.16.gr.tilskipunar2000/12/EB a umstofnunogreksturlnastofnana. T,   Um13.gr.      kvWigreinarinnarumafturkllungeratillguaWinnleiWingu1.mgr.2.gr.tilskipunar   innar,sbr.14.gr.tilskipunarnr.2000/12/EBumstofnunogreksturlnastofnana.HfWhefur  X veriWhliWsj;naf90.gr.lagaumviWskiptabankaogsparisj;Wi,nr.113/1996,viWsamningu K #  kvWisins.      Um14.gr.       Greininfjallarumtilkynningarumafturkllunstarfsleyfis,annarsvegartilstj;rnareWa wO  framkvmdastj;rnaroghinsvegartilalmennings. B    02.mgr.erlagttilaWhlutaWeigandifyrirtkiskulislitiWefstarfsleyfiYesserafturkallaW.      Um15.gr. {      02.gr.tilskipunarinnarkemurframaWtilskipun2000/12/EBumstofnunogrekstur nF lnastofnanaeigiviWumrafeyrisfyrirtki.026.gr.sWarnefndutilskipunarinnarkemurfram 9 aWhafaskulieftirlitmeWslkumstofnunum.XverkveWiWumYaW15.gr.hvernigYv  eftirlitiverWurhttaW.HfWvarhliWsj;nafsambrilegumkvWumlgumumviWskipta  bankaogsparisj;Wi.VakinerathygliaWlgumeftirlitmeWfjrmlastarfsemi,nr.87/1998, r gildaumeftirlitFjrmlaeftirlitsinsaWWruleytienYvsemsegirfrumvarpinu.0IV.kafla e= lagannaermltfyrirumYagnarskyldueftirlitsaWilaogerYaWinnleiWing30.gr.tilskipunar 0 2000/12/EBumstofnunogreksturlnastofnana,sbr.1.mgr.2.gr.tilskipunarinnar.    Um16.gr. i     0greininniermltfyrirumviWurlgsemeruhinsmuogkveWiWerum101.gr.laga \4 umviWskiptabankaogsparisj;Wi,nr.113/1996. '   Um17.gr.      GreinintilgreinirhvaWatilskipanirliggjaaWbakifrumvarpinuogstyWstviW1.mgr.10. `  gr.tilskipunarinnar. S+!   Um18.gr. #   GreininYarfnastekkiskUringa.  $   Um19.gr. J""&     GreininmiWaraWYvaWskUraaWrafeyrisfyrirtkiverWiundireftirlitiFjrmlaeftirlitsins. #' GildirYaWjafntumrafeyrisfyrirtkiskv.1.sem2.gr.frumvarpsins. #(   & a Um20.gr. v%N!*     XarsemrafeyrisfyrirtkieruundireftirlitiFjrmlaeftirlitsinserrttaWYautakiYtt A&"+ greiWslukostnaWarviWopinberteftirlit'av%meWfjrmlastarfsemi.XarsemYauteljasttil  '", lnastofnanasamkvmttilskipunumEvr;pusambandsins,einsogviWskiptabankar,spari '#- sj;WiroglnastofnaniraWrarenviWskiptabankarogsparisj;Wir,ertaliWskynsamlegtaWskipa ( YeimflokkmeWYeimfyrirtkjum.    & , Um21.gr. a     Samkvmt5.tlul.1.mgr.44.gr.lagaumviWskiptabankaogsparisj;Wi,nr.113/1996, T, erviWskiptabnkumogsparisj;WumheimiltaWsjumtgfuogumsUslugreiWslumiWla.Xv  verWuraWteljaaWYeimsYegarheimiltaWgefatrafeyri.',$    kvWi1.mgr.umaWviWtakarafeyristeljistekkiinnlnaWnnariskilyrWumfullngWum   styWstviW3.mgr.2.gr.tilskipunarinnar.EinungiserYrfaWinnleiWaYaWkvWitengsl  X umviWviWskiptabankaogsparisj;Wi,YarsemYeirerueinufjrmlafyrirtkinsemhafa K #  heimildirtilaWtakaviWinnlnum,sbr.1.tlul.1.mgr.44.gr.lagaumviWskiptabankaog    sparisj;Wi,nr.113/1996.      kvWigreinarinnaruminnlausnstyWjastviW3.gr.tilskipunarinnar,semgildirumalla   tgefendurrafeyris,;hWYvhvortYeirteljistrafeyrisfyrirtki. wO    Um22.gr.        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(!* 3. * ViWtakafjrmunaskilningiii-liWarb-liWar3. "X, mgr.1.gr.telstekkiinnlneWaannaWendurgreiWan ,#- legtf,skv.3.gr.tilskipunar2000/12/EB,effnu, #. semtekiWerviW,erstraxskiptrafeyri. $\ /  0%!0 Mo  d  Mo"  & x 3.gr.Mo"\"݌ (0 Ќ  d  Mo  d  Mo"  EndurgreiWanleiki Mo"'#݌ 81 Ќ  d  1. E Handhafirafeyrisgetur,Yeimtmasemhanner H 2 gildi,'x(z"beWiWtgefandaumaWinnleysahannnafn 3 verWimyntogpeningaseWlumeWameWYvaWfra x4 hannreikningnannarsendurgjaldsenerstrangt L$5 tiltekiWnauWsynlegttilaWframkvmaYaWgerW. 6 2. E 0samningimillitgefandaoghandhafaskaltil P (8 greinaskUrtskilyrWinfyririnnlausn.  9 3. E 0samningnummsetjalgmarkfyririnnlausn. T ,; LgmarkiWmekkiverahrri10evrur.  < Mo  d  Mo&  4.gr.Mo&&݌ X0 > Ќ  d  Mo  d  Mo]'  Stofnfjrkrfurogeiginfjrkrfur Mo]''݌ h@ ? Ќ  d  1. E Rafeyrisstofnanirskuluhafastofnf,skv.skil xP @ greiningu1.og2.liW2.mgr.34.gr.tilskipunar $ A 2000/12/EBE,semerekkiundireinnimillj;nevra.  B XrttfyrirkvWi2.og3.mgr.skaleigiWfYeirra, |TC skv.skilgreiningutilskipun2000/12/EBE,aldrei (D faraniWurfyrirYfjrhW. E 2. E RafeyrisstofnanirskuluvallthafayfiraWrWa ,G eiginfsemeraWminnstakosti2%afYvsemhrra H er:fjrskuldbindingumhverjusinnivegnatistand \I andirafeyriseWameWalfjrskuldbindingumnstliW 0J innasexmnaWavegnatistandandirafeyris. K 3. E HafirafeyrisstofnunekkiennstarfaWsexmn 4 M uWi,aWmeWtldumYeimdegisemstarfssemihennar N h;fst,skaleigiWfhennarveraaWminnstakosti2% dO afYvsemhrraer:fjrskuldbindingumhverjusinni 8P vegnatistandandirafeyriseWaheildarfjrhWsex Q mnaWatlunarumfjrskuldbindingarhennar hR vegnatistandandirafeyris.HeildarfjrhWsexmn <S aWatlunarumfjrskuldbindingarviWkomandi T stofnunarvegnatistandandirafeyrisskalkoma lU framviWskiptatlunstofnunarinnarmeWfyrirvara @V umbreytingartluninnisemlgbryfirvld W kynnuaWhafa;skaWeftir.  pX Mo  d  Mo/  5.gr.Mo/D/݌ !Z Ќ  d  Mo  d  Mo/  Takmrkunfjrfestinga Mo/0݌ #[ Ќ  d  1. 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Ќ  d  Mo  d  MoD  EftirlitlgbrrayfirvaldameWsrkrfum MoD6E݌ D @ Ќ  d  LgbryfirvldskulusjtilYessaWreiknaWstaW T ,A minnstakostitvisvarrihvortkvWum4.og5.  B gr.hafiveriWhlttogaWannaWhvortannistrafeyris  C stofnanirnarsjlfartreikninganaogsendiniWurstW X0 D urnarognauWsynlegfylgiggntillgbrrayfirvalda  E eWaaWlgbryfirvldannistYognotitilYessggn  F frrafeyrisstofnununum. \4 G Mo  d  MoG  7.gr.MoG=H݌  I Ќ  d  Mo  d  MoH  Trausturogvarfrinnrekstur MoHH݌ J Ќ  d  Rafeyrisstofnanirskuluhafatraustaogvarfrna K stj;rnunogumsUslu-ogreikningshaldsaWferWirog XL fullngjandiinnrieftirlitskerfi.XessikerfittuaW ,M verasamrmiviWYfjrhagsleguhttuogaWra N httusemviWkomandistofnunerbin,YarmeWtal \O iWhttasemtengisttkniogmlsmeWferWog 0P httasemtengistsamstarfihennarviWannaWfyrir Q tkisemannastrekstrarYttieWaaWrastoWYtti `R tengslumviWviWskiptastarfsemihennar. 4 S Mo  d  MoWL  8.gr.MoWLL݌ dU Ќ  d  Mo  d  MoM  UndanYgur MoMVM݌ tV Ќ  d  1. 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H  3. * AWildarrkinskulukrefjastYessaWallarrafeyris x stofnanir,semhafafengiWundanYgufrYessitil L$ skipunogtilskipun2000/12/EB,skilireglubundiW  skUrsluumstarfsemisna,YarmeWtaliWumheildar | fjrhWfjrskuldbindingavegnarafeyris. P( Mo  d  Moz\  9.gr.Moz\\݌   Ќ  d  Mo  d  Mo<]  Starfsleyfitilstarfandistofnana Mo<]y]݌ ! 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E AWildarrkinskulusamYykkjanauWsynleglgog H 7 stj;rnsUslufyrirmlitilaWfaraaWtilskipunYessari 8 eigisWaren27.aprl2002.XauskulutilkynnaYaW x9 framkvmdastj;rninniYegarstaW. L$: XegaraWildarrkinsamYykkjaYessarrWstafanirskal  |< veraYeimtilvsunYessatilskipuneWaYeimfylgja P (= slktilvsunYegarYrerubirtaropinberlega.AWild  > arrkinskulusetjannarireglurumslkatilvsun.  ? Ѐ2. E AWildarrkinskulusendaframkvmdastj;rninni  A helstukvWirlandslgum,semYausamYykkja  B ummlefnisemtilskipunYessinrtil. X0 C Mo  d  Moi  11.gr.MoiEi݌  E Ќ  d  Mo  d  Moi  EndurskoWun Moij݌  F Ќ  d  Framkvmdastj;rninskal,eigisWaren27.aprl  G 2005,leggjaskUrslufyrirEvr;puYingiWogrWiWum |TH beitinguYessarartilskipunar,einkumaWYvervarW (I ar: J !0 E rWstafanirtilaWverndahandhafarafeyris,Yar ,L meWtaliWhugsanlegYrfaWtakauppbyrgWar M kerfi,\NEE !0 E eiginfjrkrfur,PEE !0 E undanYgur,og4 REE !0 E hugsanlegaYrfbannigegngreiWsluvaxtaf dT semtekiWerviWskiptumfyrirrafeyri,efYrf 8U krefursamttillguumendurskoWunbannsins.VEE Mo  d  Mom  12.gr.Mom?n݌ <X Ќ  d  Mo  d  Mon  Gildistaka Monn݌ L$Y Ќ  d  TilskipunYessiWlastgildidaginnsemhnbirtist \4Z Stj;rnartWindumEvr;pubandalaganna.  [ Mo  d  Mo!p  13.gr.Mo!p^p݌ `!8] Ќ  d  TilskipunYessarierbeinttilaWildarrkjanna. p"H^ GjrtBrussel18.september2000. #` K u ?*v^E1L9KQZZFyrirhndEvr;puYingsins,Q0 FyrirhndrWsins,  % b Q'N.FONTAINEQvv4 H.VDRINE x&P"d Q(forseti.QII5 forseti.#GrpS#Ԉ'#f  (??(FylgiskjalII. (  " AU?) dE?! A^X" X rpG  TILSKIPUNEVR:PUXINGSINSOGRVSINS2000/28/EB 4  sMo  d  Modt  fr18.september2000Modtt݌  Ќ  d  Mo  d  Mo0u  umbreytingutilskipun2000/12/EBumstofnunogreksturlnastofnana Mo0umu݌  Ќ  d  (??(K7?*v^E1L9uuKEVR:PUXINGIVOGRVEVR:PUSAM   BANDSINSHAFA, X 0 meWhliWsj;nafstofnsttmlaEvr;pubandalagsins,    einkumfyrstaogYriWjamlsl.2.mgr.47.gr., \ 4  meWhliWsj;naftillguframkvmdastj;rnarinnar(  #  1      ),   meWhliWsj;naflitiefnahags-ogflagsmlanefnd    arinnar(!  #  2      ),   meWhliWsj;naflitiSeWlabankaEvr;pu(  #  3      ),   samrmiviWmlsmeWferWinasemmlterfyrirum h@ 251.gr.sttmlans(S  #  4      ),  ogaWteknutillititileftirfarandi: lD ! ! {(b80"A0J"  A0Ju{ *2b  1  )3  Ԉ0    0samrmiviWmarkmiWsttmlansberaW  vinnaaWsamrmdriYr;unstarfsemilna pH stofnanabandalaginu,einkumaWYvervarW  artgfurafeyris.A0Ju{{݌ Ќ  "A0J"  A0JB} *2b  2  )3  Ԉ0    Tilteknarstofnanirtakmarkastarfsemisna   meginatriWumviWtgfurafeyris.TilaWkom  asthjrskunsamkeppnimilliYeirrasem xP  gefatrafeyri,jafnveltengslumviWbeitingu $! rWstafanaervarWapeningastefnu,erskilegt " aWYessarstofnanirsufelldarundirgildissviW |T# tilskipunar2000/12/EB(  #  5      ),samanberY;viW ($ eigandisrkvWiYarsemtekiWertillittilsr % kennaYeirra.A0JB}o}݌X&    ,' "A0J"  A0J$E2b  3  )3  Ԉ0    XaWerYvrWlegt& X  aWrUmkaskilgreininguna  ' lnastofnunum,'X semkveWiWerum1.gr.til X 0( skipunar2000/12/EB,YannigaWhnnitil  ) Yessarastofnana.A0J݌ * Ќ  ݀"A0J"  A0J$E2b  4  )3  Ԉ0    0tilskipunEvr;puYingsinsogrWsins2000/46/  , EBfr18.septemberumstofnunogreksturraf  - eyrisstofnanaogeftirlitmeWYeim(  #  6      )eruraf `8 . eyrisstofnanirskilgreindar.A0J݌  / Ќ  "A0J"  A0J$E2b  5  )3  Ԉ0    RafeyrirskalverainnleysanlegurtilaWhand d< 1 hafarhanshafitrhonum.A0JF݌ 2 Ќ  SAMXYKKTTILSKIPUNXESSA: h@4 Mo  d  Mo  1.gr.Moˆ݌ 6 Ќ  d  Tilskipun2000/12/EBerbreyttsemhrsegir: 7 1.0 E 0staWfyrstaundirliWar1.liWar1.gr.komieftir (9 faranditexti::EE  E ?1. 1 ?Lnastofnun : ,<  E   a)0 1 011fyrirtkimeWstarfsemisemfelstaWtaka \> m;tiinnlnumeWaWruffralmenningi 0? tilendurgreiWsluogveitalnfyrireigin @ reikning;eWa`A  E   b)0 1 011rafeyrisstofnunskilningitilskipunarEvr C ;puYingsinsogrWsins2000/46/EBfr18. dD septemberumstofnunogreksturrafeyris 8E stofnanaogeftirlitmeWYeim(#Grps#G*#G#rpG),F *Uddd Xdd Xdd Xuu, , , +  +!hGh v+ .nhH . 'hIn ' :0#hJ v  /: +!5 K +(#Grp8#G*#Gn#rpG) 1 StjtW.EBL275,27.10.2000,bls.39. 1'%5 L /   12. E EftirfarandigreinbtistviWV.blk: !eM  E ?33.gr.a "O 0 E kvWi3.gr.tilskipunar2000/46/EBskulugilda =$ Q umlnastofnanir. $ REE  %m!S & h  Mo  d  Mo  2.gr.Mo݌ ( Ќ  d  1. * AWildarrkinskulusamYykkjanauWsynleglgog 8 stj;rnsUslufyrirmli'h(mtilaWfaraaWtilskipunYessari  eigisWaren27.aprl2002.XauskulutilkynnaYaW h framkvmdastj;rninniYegarstaW. < XegaraWildarrkinsamYykkjaYessarrWstafanirskal l veraYeimtilvsunYessatilskipuneWaYeimfylgja @  slktilvsunYegarYauverWabirtopinberlega.AWild   arrkinskulusetjannarireglurumslkatilvsun.  p  2. * AWildarrkinskulusendaframkvmdastj;rninni    helstukvWirlandslgumsemYausamYykkjaum  t  mlefnisemtilskipunYessinrtil. H      Mo  d  Mo  & h 3.gr.Mo1݌ ( Ќ  d  TilskipunYessiWlastgildiYeimdegisemhn 8  birtistStj;rnartWindumEvr;pubandalaganna.'h(R  Mo  d  Mo  4.gr.Mo݌ < Ќ  d  TilskipunYessarierbeinttilaWildarrkjanna. L$ GjrtBrussel18.september2000.  | K ? ?*v^E1L9KQZZFyrirhndEvr;puYingsins,Q0 FyrirhndrWsins,   Q'N.FONTAINEQ5 H.VDRINE T , Q(forseti.QII5 forseti.   O7?*v^E1L9?uǖO#Grp#(??(  L$  FylgiskjalIII. d  /]V.u]!ucAU?) 5dE? 5A^c   FjrmlarWuneyti, ]" fjrlagaskrifstofa: O'# %  %J  Umsgnumfrumvarptillagaumrafeyrisfyrirtki. %     * FrumvarpiWerlagtframYeimtilgangiaWlgfestareglurogskilgreiningarrafeyriog & rafeyrisfyrirtki.KveWiWerum15.gr.frumvarpsinsaWFjrmlaeftirlitiWskulihafaeftirlit wO' meWstarfsemiinnlendrarafeyrisfyrirtkja.Skv.20.gr.skulurafeyrisfyrirtkiogaWrar A( lnastofnanirenbankarogsparisj;WirgreiWatilFjrmlaeftirlits0,0101%afeignum,eneigi  ) lgrifjrhWen400.000kr.fyrirlnastofnanirog150.000kr.fyrirrafeyrisfyrirtki.Greinin * breytir5.gr.laganr.99/1999umopinberteftirlitmeWfjrmlastarfsemi,meWsWaribreyt w+ ingum,semkveWurumaWlnastofnaniraWrarenviWskiptabankarogsparisj;WirgreiWi iA, 0,0101%afeignumenY;ekkilgrifjrhWen400.000kr.fyrirfjrmlaeftirlit.:vsterum 3 - hvortkvWiWmunaukatekjurFjrmlaeftirlitsYarsemekkiliggjafyrirums;knirraf . eyrisfyrirtkjasemekkiteljasttilviWskiptabanka,sparisj;WaeWaannarralnastofnana. /  * EkkiertaliWaWfrumvarpiWhafifrmeWsrkostnaWaraukafyrirrkissj;WverWiYaW i0 ;breyttaWlgum. [ 31