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'   0kjlfariWlagWiSteingrmurJ.Sigfsson,fjrmlarWherra,framfrumvarptillagaum  breytingulgumnr.96/2009,umheimildtilhandafjrmlarWherra,fyrirhndrkissj;Ws,  tilaWbyrgjastlnTryggingarsj;WsinnstWueigendaogfjrfestafrbreskaoghollenska `  rkinutilaWstandastraumafgreiWslumtilinnstWueigendahjLandsbanka0slandshf.(Yskj. S+! 76,76.ml). "   0greinargerWmeWfrumvarpinusagWim.a.: #   ?0kjlfarlagasetningarinnarrdduaWilarlnasamningannasamanogflj;tlegakomfram  $ aWbreskoghollenskstj;rnvldvruekkireiWubintilaWfallastfyrirvaraAlYingisaWllu !W% leyti.AWloknumviWrWumaWilalnasamningannavarWniWurstaWansaWgeraviWaukasamn J""& ingaogmeWYeimhttisamrUmaYauaWmestuleytiefnilnasamningannaogYeirrafyrirvara #' semkomafram1.!4.gr.laganr.96/2009.XaWermatrkisstj;rnarinnaraWmeginefnifyrir #( varannahafinWframaWganga.LitiWersvoaWlengraverWiekkikomistognauWsynlegt $ ) saWljkamlinu.HinirendanlegusamningareruaWmatirkisstj;rnarinnarviWunandilausn v%N!* einnierfiWustumillirkjadeilu0slandslUWveldistmanum.  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BrslitYj;WaratkvWagreiWslunnarvoruafgerandi.93,2%YeirrasemYttt;kuatkvWa   greiWslunnigreidduatkvWigegngildistkulaganna,1,8%greidduYeimatkvWisitt,4,7% {  atkvWaseWlavoruauWir,en0,3%;gildir.144.2320slendingart;kuYttYj;WaratkvWa nF greiWslunnieWa62,72%kosningarbrramanna. 9   0kjlfarniWurstWuYj;WaratkvWagreiWslunnarvorulgnr.1/2010numinrgildi.Jafn  framtskipaWirkisstj;rn0slandsnUjasamninganefndundirforustuBandarkjamannsinsLee  BuchheittilYessaWgtahagsmunaslenskarkisinssamningaviWrWumviWbreskoghol r lenskstj;rnvldkjlfarYessaWlgnr.1/2010vorufelldrgildiaWundangenginniYj;War e= atkvWagreiWslu. 0   XrsamningaviWrWurstandaennyfiroghvorkifyrirsWhvenrYeimmuniljkantil  hvaWaniWurstWuYrkunnaaWleiWa.   14.ViljayfirlUsingrkisstj;rnarinnar7.aprl2010.  \4   stWaertilaWgetaYessYessusambandiaWhinn7.aprl2010undirritaWirkisstj;rnin ' viljayfirlUsingugagnvartAlYj;Wagjaldeyrissj;WnumvegnaannarrarendurskoWunarefnahags  tlunarrkisstj;rnar0slandsogsj;Wsins,enYarsegirm.a.:    ?20.Ourabilitytofullyimplementtheprogramdescribedaboveisdependentonaccess `  totheexternalfinancingcommittedundertheprogram.Wefirmlyexpecttobeabletomeet S+! thepreconditionssetbysomeofourbilateralpartnerstoaccessthisfinance.Inthiscontext, " wewishtoreaffirmthatIcelandwillhonoritsobligationsinregardtotheinsuredretail # depositorsoftheintervenedbanks.IcelandhasalreadyaffirmedinitsLetterofIntentdated  $ 15November2008thatitiswillingtoensurethattheUnitedKingdomandtheNetherlands !W% willbereimbursedinrespectofdepositsofLandsbankibranchesinthosetwocountries(up J""& totheEuro20,887minimumprovidedforunderIcelandicLawandtheEUDepositGuaran #' teeDirective90/19/EC).IcelandhasalsogivenanassurancethattheUnitedKingdomand #( theNetherlandswillreceivethereasonabletimevalueofmoney,providedthatcompre $ ) hensiveagreementsarereached.Icelandremainsreadytoconcludeattheearliestconveni v%N!* encethenegotiationswiththeGovernmentsofthe&  UnitedKingdomandtheNetherlands A&"+ regardingalegalandfinancialsettlementofthis'A&(Bmatter.   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KjarniIcesave-deilunnarmillislenskarkisins,annarsvegar,ogbreskaoghollenska  rkisins,hinsvegar,snUstfyrstogfremstumtlkuntilskipunESB94/19/EBogeinkumYv r litaefnihververWirttarstaWainnstWueigendaefinnlnatryggingakerfi,semkomiWhefur e= veriWuppviWkomandirkiogstarfareftirreglumsemfullngjaaWforminutillgmarks 0 reglumtilskipunarESB,hefurekkitiltkafjrmunitilYessaWgreiWaaWfulluYrfjrkrfur  semaWYverbeintvegnatapaWrainnlna.    Ranns;knarnefndAlYingisbendirrttilegaaWtilskipuninnisjlfrieWaggnumum i undirbninghennarkomiekkertframumYaWhvernigstaWiWskuliaWmlumefeignirtrygg \4 ingarsj;WsdugaekkitilaWgreiWalgmarksbtur(SkUrslaranns;knarnefndarAlYingis,5. ' bindi,bls214).    TilYessaWsvaraspurningunniumhverjarskyldurrkjasamkvmttilskipuninnieruYeim  tilvikumYegareignirtryggingarsj;WainnstWueigendadugaekkitilaWgreiWalgmarksbtur `  samkvmttilskipuninnivsarranns;knarnefndintilfjldafrWiskrifaerlendralgfrWinga S+! oggagnaEvr;pusambandsinsumbyrgWskuldbindinguminnstWueigendaEES-svWinu. "   0Yeirriumfjllunranns;knarnefndarinnarervsaWtilYessminnisblaWssemfylgditillgu # framkvmdastj;rnarESBsemvsaWerhraWframan.XsegirnefndinaWYegarknnuWs  $ umfjllunfrWiskrifumumtilskipun94/19/EBfariekkimikiWfyrirlgfrWilegumatiYv !W% hvortfyrirhendisbeinskyldaeWabyrgWaWildarrkis,YarsemkomiWhefurveriWinn J""& stWutryggingakerfisemtaliWersamrUmasttilskipuninni,tilaWgeraviWkomanditryggingar #' sj;WikleiftaWgreiWaYlgmarkstryggingarfjrhWsemkveWiWerumlgumumsj;Winn. #( EkkisufyrirhendibeinkvWiumYessiatriWitilskipuninnisjlfri.X;vsarranns;knar $ ) nefndintil24.mlsgreinaraWfaraorWatilskipunarinnar,semvitnaWertilhraWframan,og v%N!* segiraWYausulklegaYaWrtilskipuninnisjlfrisemhelstvarWiviWfangsefniWmeWbeinum A&"+ htti.HinsvegarvsarnefndintilskrifafrWimannasemtlkaWhafalagalegaYUWingu24.  '",  mlsgreinaraWfaraorWanna. '#-   &   Xarvsarranns;knarnefndAlYingisfyrstalagitilgreinarsemMadsAndens,pr;fessor (  viWlagadeild'(ԀHsk;lans:sl;,skrifaWisafnritumbankalggjfoginnrimarkaWESBriW  1995ogsegir:,,XarsagWihannm.a.aWsmlsgreintilokaWi(e.?cutoff )nokkraalmenna  byrgWaWildarrkja:YaubruekkibyrgWgagnvartinnstWueigendumsvolengisemYau a hefWuuppfylltskilyrWitilskipunarinnar(e.?compliedwiththeDirective ).AWYessusgWu T, t;kAndenshinsvegarframaWYaWkynnueflaustmargarspurningaraWvaknaumbyrgW  vegnarangrarinnleiWingartilskipunarinnar.:lj;stvrihvaWatakmrkbyrgWrkjakynni  aWleiWaaf24.mgr.aWfaraorWanna. (SkUrslaranns;knarnefndarAlYingis,5.bindi,bls.265).     Ranns;knarnefndAlYingisvsareinnigtilgreinarsemNevenkoMisita,gestapr;fessorviW  X lagadeildStokkh;lmshsk;la,birtitmaritinuJournalogInternationalBankingRegulation K #  riW2003.0greininnierfjallaWumreglurESBumverndinnstWueigenda,YarmeWalum    rkisbyrgW(e.?StateGuarantee ).0skUrslunnisegir:      ?MisitalUsirframangreindumtveimurmeginsj;narmiWumumhugsanlegabyrgWaWildar   rkjainnstWutryggingakerfumsnumnnarsvoaWannarsvegaraWhyllistsumirYskoWun wO  aWsjlftilvist24.mgr.aWfaraorWannaYUWiaWenginbyrgWgetihvltrkieWalgbru B  stj;rnvaldisvoframarlegasemviWkomandiyfirvldhafiinnleitttilskipuninameWrttum    htti(e.?takencareofintroducingorrecognisingprotectionintermsoftheDirective ).   SWasttilvitnuWorWtskUrirMisitannarsvoaWYaufelisraWinnstWutryggingakerfiWs {  ngilegafjrmagnaWtilaWgetatekiWyfirfallbankasem?meWsanngirnimsjfyrir (e. nF ?reasonablyforeseeable ).HanntskUrirYaWsj;narmiWekkinnarnemahannnefniraW 9 slkarrksemdirgeriYannigrWfyriraWenginbyrgWaWildarrkisinnstWutryggingakerfi  snuvritilstaWartilvikikerfishruns(e.?systembreakdowns ).Neytendur,Y.e.innstWu  eigendur,gtuslkumtilvikumekkirttsigaWtilskipuninskildiaWaWildarrkibyrgWist r gagnvartinnstWueigendumskuldbindingarinnstWutryggingakerfissemYaWhefWikomiW e= f;togbyggtYgagnvartrkinufordmumEvr;pud;mst;lsinssvonefndumFrancovich- 0 ogFacciniDori-mlum.XessmgetaaWYarnavsarMisitatilYekktrad;maEvr;pud;m  st;lsinsumskaWab;tabyrgWaWildarrkjaESB,aWtilteknumskilyrWumuppfylltum,vegna  ;fullngjandiinnleiWingartilskipanasambandsinslandsrttaWildarrkjaentilYeirrafor i dmaeriWulegavsaWogYeimfylgtsWarid;maframkvmdd;mst;lsins. (SkUrslarann \4 s;knarnefndarAlYingis,5.bindi,bls.266). '   EinsogWursegirkemurframskUrsluranns;knarnefndarAlYingisaWafYeimggnum  semnefndinhafWiaWgangaWviWvinnsluhennarverWiekkisWaWstofnanirESBogEEShafi  gertathugasemdirviWinnleiWingutilskipunarinnarafhlfu0slands.(SkUrslaranns;knar `  nefndarAlYingis,5.bindi,bls.211). S+!   Ranns;knarnefndAlYingisvsarskUrslusinnitilforrskurWarEvr;pud;mst;lsinsmli " PetersPaulo.fl.gegnSambandslUWveldinuXUskalandifrrinu2004,enYarvarm.a.fjallaW # umvanrksluYUskrastj;rnvaldaviWaWinnleiWatilskipun94/19/EB.0skUrsluranns;knar  $ nefndarsegirm.a.umYennanforrskurW: !W%   ?AfniWurstWuEvr;pud;mst;lsinshrumkvWi3.gr.tilskipunarinnarumeftirlitaW J""& ildarrkjameWfjrmlastofnunumvirWistmegadragaYlyktunaWkvWitilskipunarinnar #' umuppbygginguogstarfrksluinnstWutryggingakerfannaogaWkomustj;rnvaldaaWYeim #( veitiinnstWueigendumekkisjlfstWlgvarinrttindisembyggtverWifyrird;mst;lum.  $ ) (SkUrslaranns;knarnefndarAlYingis,5.bindi,bls.268). v%N!*   &  Ranns;knarnefndAlYingisvsarjafnframtskUrslusinnitilskrifafrWimannsinsMichael A&"+ Tison,enYarsegir:'A&ט  '",   ?0greineftirfrWimanninnMichaelTisonfrrinu2005erforrskurWurEvr;pud;m '#- st;lsinsofangreindumlidreginnsamanmeWYeimorWumaWbyrgWaWildarrkisniekki (z$. lengraenaWsjtilYessaWkomaf;teWaviWurkennainnstWutryggingakerfisemfullngi ( lgmarksskilyrWumtilskipunar94/19EB.Hannsegir24.mgr.aWfaraorWatilskipunarinnar  styWjaYniWurstWu.0neWanmlsgreinsamastaWlUsirhfundurYvaWlj;stsaWs  fyrirvarisemfelstYessumaWfaraorWumhafiveriWhafWurmeWaWfaraorWumtilskipunarinnar a vegna;ttaviWaWkostnaWurvegnafallsbankamyndi;h;flegummlilendaaWildarrkjum. T, AfleiWinginvrisaWaWildarrkiYyrftiekkiaWaxla?Francovich-byrgW ,sbr.fyrritilvsun  tild;msEvr;pud;mst;lsinsYvmli,fyriraWfylgjaekkitilskipuninnihefWiYaWgengiWr  skuggaumaWkomaf;teWaviWurkennakerfisemmeWsanngirni(e.?reasonably )vriunnt   aWgreiWabturtilinnstWueigendasamkvmtlgmarkskrfumtilskipunarinnar.0beinu  X framhaldisagWihfundurlj;staWinnstWusj;WirflestraaWildarrkjamynduekkirWaviW K #  umfangsmiklabankakrsu(e.?wouldnotbeabletocopewithamajorbankingcrisis ).0Yv    samhengiverndaWi24.mgr.aWfaraorWannaaWildarrkinmeWrttufrFrancovich-byrgW.    samahttttiaWildarrkiekkiaWaxlaFrancovich-byrgWYegarYaWhefWiviWurkenntinn   stWutryggingakerfisemYegarreyndigtiekkisWfyrirfullngjandib;tumvegna;stj;rn wO  areignumYess(e.?provideforadequatecompensationbecauseofmismanagementofits B  assets )meWanfjrmgnunarleiWirsemaWildarrkihefWimltfyrirumvrufullngjandi    (e.,,whilethefundingarrangementsimposedbytheMemberStatewereadequete ).    (SkUrslaranns;knarnefndarAlYingis,5.bindi,bls.268!269). {    Ranns;knarnefndAlYingisvsarennfremurtildoktorsritgerWarIngeKaasenviWlagadeild nF Hsk;lans:sl;,enYarsegir: 9   ?riW2000komtNoregib;kinBanksikringogkonkurransesemeraWstofnitil  doktorsritgerWIngeKaasenviWlagadeildHsk;lansOsl;.XarersrstaklegafjallaWum  starfseminorskainnstWutryggingarsj;WsinsogannanstuWningopinberraaWila,svosem r SeWlabankaNoregs,viWbankanameWtillititilsamkeppnis-ogrkisstyrkjareglnasamkvmt e= EES-samningnum.0ritinuerhvergifjallaWumaWfyrirhendisrkisbyrgWlgmarks 0 skuldbindingumtryggingarsj;WsinseWaskyldarkisinstilaWgerasj;WnumkleiftaWstanda  undirslkumgreiWslum. (SkUrslaranns;knarnefndarAlYingis,5.bindi,bls.269).    Xsegirranns;knarnefndin: i   ,,MiWaWviWviWfangsefniogumfangdoktorsritgerWarinnarverWuraWtlaaWYarhefWi \4 veriWaWfinnaumfjllunumYessiatriWiefhfundurhefWiannaWborWtaliWaWslk ' rttarreglavrihugsanlegafyrirhendi. (SkUrslaranns;knarnefndarAlYingis,5.bindi,bls.  269).    0Yessusambandisrranns;knarnefndAlYingisstWutilaWgetaskUrslusemnorsknefnd `  umendurskoWunYarlendralagaumfjrmlastofnanirogfjrmlastarfsemi(n.Banklovkom S+! misjonen)skilaWiafsrogfjallaWiuminnstWutryggingartilefniafendurskoWunreglnaum " YaumlNoregivegnatilskipunar94/19/EB. #   0norskuskUrslunnisegiraWsrstkspurningshversurkummliEES-regluverkiW  $ takmarkifjrmgnunogreksturhinsopinberatryggingakerfi.SegjahfundarskUrslunnar !W% aWaWfaraorWumtilskipunarinnarsgengiWtfrYvaWkostnaWurviWfjrmgnuninn J""& stWutryggingakerfihvlisemaWalreglalnastofnunum.KerfiWgetiekkibyggttryggingu #' semaWildarrkieWasvWisbundinyfirvldinnaafhendi.0samrmiviWYettashiWsam #( eiginleganorskatryggingakerfibyggtupp.XkemurframskUrslunniaWaWfaraorWum $ ) tilskipunarinnarsegiaWYettamegiekkistofnastWugleikabankakerfisviWkomandilandi v%N!* httu.RkisstuWningursYannigekkitilokaWur,enverWiYvtilvikiaWverasamrmi A&"+ viWalmennarreglurumrkisstyrkiEES-svWinu.XaWsYanniggengiWtfrYvaWtrygg  '", ingakerfiWeigiekkiaWverafjrmagnaWeWarekiWafrkinu.Ranns;knarnefndAlYingisdregur '#- YlyktunskUrslusinniaWYgnIngeKaasendoktorsritgerWsinniumhugsanlegabeina (z$. rkisbyrgWskuldbindingumnorskatryggingarsj;WsinstakilklegamiWafofangreindri ( afstWusemframkomviWundirbningnorskralagaumsj;Winn.(SkUrslaranns;knarnefndar  AlYingis,5.bindi,bls.269!270.)    Ranns;knarnefndAlYingisvsareinnigtilsj;narmiWasemframkomaskUrslusemgefin a vartriW2001afalYj;WlegusamtkunumFinancialStabilityForum(nFinancialStability T, Board),ensamtkinvorustofnuWriW1999&  affjrmlarWherrumogseWlabankastj;rum  hinnasvoklluWuG7-rkja.0skUrslunnisegir'Zm.a.:    InnstWutryggingakerfigeturtekistviWtakmarkaWanfjldabankagjaldYrotaeinuen   ekkimgerarWfyriraWYaWrWieittogsrviWkerfishrun(e.?8depositinsurancesystem  X candealwithalimitednumberofsimultaneousbankfailures,butcannotbeexpectedtodeal K #  withasystematicbankingcrisisbyitself )(SkUrslaranns;knarnefndarAlYingis,5.bindi,    bls.271).      AWlokumvsarranns;knarnefndAlYingistilskUrslusemfrnsknefndundirforstiY   verandibankastj;raSeWlabankaFrakklands,Jean-ClaudeTrichet,semhefureftirlitmeWfjr wO  mlastarfsemiYarlandi(f.?CommissionBancaire )gaftriW2001,ogvsaWertilkafla B  10.3.greinargerWYessari,YarsemfjallaWvarumreynsluFrakkaafvirkniogskipulagi    innstWutryggingakerfa.     0YeirriskUrslukomameWalannarsframsmusj;narmiWograkinhafaveriWhraWframan {  umtakmrkinnstWutryggingakerfagagnvartkerfishruni.SegirskUrslunniaWalmenntvri nF viWurkenntaWinnstWutryggingakerfumvrihvorkitlaWnYaufrumaWfstviWkerfis 9 krsur.    0lokYessararafarmerkileguumfjllunarranns;knarnefndarAlYingissegirnefndin:    ?XaWhefurvakiWathygliranns;knarnefndarinnar,ogYm.a.lj;siYeirrarumrWuog r sj;narmiWasemsettvoruframviWfallslenskubankannaogsWarummeintaskyldurkisins e= tilaWgeraslenskatryggingarsj;WnumkleiftaWgeraYlgmarksfjrhWsemkveWiWerum 0 lgumnr.98/1999ogtilskipun94/19/EB,aWekkiskulifinnastundirbningsggnumtil  skipunarinnar,samantektumumhanavettvangiESBYartilokt;ber2008ogskrifum  frWimanna,sbr.tildmisYausemhrhafaveriWrakin,skUrariogmarkvissariumfjllun i umhugsanlegarskylduraWildarrkjannaaWYessuleyti. (SkUrslaranns;knarnefndarAlYing \4 is,5.bindi,bls.272.) '   UndirYessisj;narmiWranns;knarnefndarinnartakaflutningsmennYessarartillgu.Eins  ogWursegirgildirsmeginreglarttarrkjumallravestrnnaYj;WaaWenginnverWur  kninntilYessaWgreiWafjrskuldbindingarsemviWkomandierekkiskuldbundinntilYess `  aWgeralgumsamkvmtoghefurekkiundirgengistfrjlsumsamningum.Smeginregla S+! gildirjafntsamskiptumeinstaklinga,lgaWilaogmillieinstakrarkja. "   Afumfjllunranns;knarnefndarAlYingisaWrWaogYeimggnumogheimildumsem # nefndinteflirframskUrslunniverWurekkisWaWslenskarkinu,ogYarmeWslenskum  $ skattgreiWendum,berilagalegskyldatilaWgangastbyrgWirfyrirYeimkrfumsemBretar !W% ogHollendingarhafasettframhendurslenskatryggingarsj;WnumIcesave-mlinu. J""&   FlutningsmenntillguYessararteljaaWfullstWastilaWrannsakaWverWihversvegna #' slenskstj;rnvldkvWu,YrttfyrirYrrksemdirsemframkomaskUrsluranns;knar #( nefndarAlYingisoghrhefurveriWgerWgreinfyrir,aWundirritatvganglnasamningaviW $ ) breskoghollenskstj;rnvldumgreiWsluskuldbindingum&  semenganveginnverWursWaW v%N!* Yj;WinniberiaWgreiWa.'v%+ A&"+    '",  15.3.& a  NUtilskipunuminnstWutryggingarnr.2009/14/EB.  (   0skUrsluranns;knarnefndarAlYingiskemurframenneinsterkvsbendingumaWslenska   rkinu'a(ԀberiekkiaWbyrgjastkrfurBretaogHollendingahendurTryggingarsj;WiinnstWu  eigendaogfjrfestavegnaIcesave-reikningaLandsbanka0slandshf.Hanamfinnaum a fjllunnefndarinnarumYrbreytingarsemgerWarvoruinnstWutrygginguminnanEvr T, ;pusambandsinsmeWnUrritilskipunumYrnr.2009/14/EB.UmsamanburWhinninUju  tilskipunEvr;pusambandsinsogtilskipunnr.94/19/EBsegirnefndin:    ?XegarhinnUjatilskipunerskoWuWvekurYaWathygliaWtilviWb;tarYeimatriWumsem   lagtvartilaWbreyttvrimeWtillguframkvmdastj;rnarinnarfr15.okt;ber2008voru  X gerWarbreytingarorWalagi1.mgr.7.gr.tilskipunarinnar94/19/EBensamkvmttilskip K #  uninnifr1994hlj;WaWiYaWkvWisvoslenskriYUWinguaftilskipuninni:,,Innlnatrygg    ingakerfintryggjaaWsamanlgWinnlnhversinnstWueigandasutryggWupp20.000ECU    efinnlninverWa;tiltk.      0hinninUjutilskipunnr.2009/14/EBhlj;WarkvWifyrstamlsliWar1.mgr.7.gr.svo: wO    ?MemberStatesshallensurethatthecoveragefortheaggregatedepositsofeachdepositor B  shallbeatleastEUR50000intheeventofdepositsbeingunavailable.       ViWsamanburWYessumkvWumsstaWYarnahefurveriWskipttorWalaginu?Innlna   tryggingakerfintryggja(8) fyrir,,AWildarrkintryggja(8)eWaensku?Deposit-guarantee {  schemesshallstipulate(8) fyrir,,MemberStatesshallensure(8) .BreytinginerYannig nF tvYtt.AnnarsvegarerYeirriskyldusemkvWiWmlirfyrirumekkibeintaW?innlna 9 tryggingakerfunum einsogWurhelduraW?aWildarrkjunum .HinsvegarersagnorWinusem  fylgirfrumlaginubreytt,fr?stipulate yfir?ensure .(SkUrslaranns;knarnefndarAlYingis,  5.bindi,bls.274!275). r   AfYessumsamanburWiranns;knarnefndarAlYingisorWalagigmlutilskipunarinnarog e= hinnarnUjuverWurekkibetursWenaWmeWhinninUjutilskipunhafiEvr;pusambandiWtekiW 0 kvrWunumaWkveWamunskUrarlggjfsinniumbyrgWrkjannaskuldbindingum  innlnstryggingakerfannaengerthefurveriWframtilYessa.    AfYessaribreytinguteljaflutningsmennekkihgtaWdragaaWralyktunenYaWsam i kvmthinnieldritilskipunnr.94/19/EBhafislkrirkisbyrgWekkiveriWtilaWdreifa.Hafi \4 hnveriWtilstaWarervandsWhversvegnaEvr;pusambandiWsstWutilaWgerakvW ' inuYbreytingusemlUsterskUrsluranns;knarnefndarAlYingis.   15.4.SkUrslaranns;knarnefndarAlYingiskrefstranns;knar.  `    EinsogWursegirerumfjllunranns;knarnefndarAlYingissrstaklegaathyglisverWlj;si S+! YessaWYrttfyrirYauskUrusj;narmiWsemnefndinteflirframskUrslusinnihafaslensk " stj;rnvld,ogYekkisstnverandirkisstj;rn,trekaWfallistkrfurbreskraoghollenskra # stj;rnvaldaIcesave-mlinu.XaWgerWinverandirkisstj;rntvgangmeWundirritunsinni  $ lnasamningaogviWb;tarsamninga.XaWgerWihnjafnframtmeWYvaWleggjaframtv !W% frumvrptillagaAlYingisemmltufyrirumaWrkisbyrgWvegnalnasamningannaviW J""& BretaogHollendingayrWiveittmeWlgum,nYessaWhnhvldilagalegriskuldbindingu #' slenskarkisins.kvarWanirstj;rnvaldaumaWundirritalna-ogviWb;tarsamninganaviW #( BretaogHollendingaogtilraunirYeirratilaWfrkisbyrgWvegnaYeirralgfestaAlYingi $ ) stamiklumtWindumlj;siYeirrarumfjllunarsem&  finnamskUrsluranns;knarnefndar v%N!* AlYingis.'v% A&"+   XegarafYeirristWuteljaflutningsmennYessarartillgumikilvgtaWframfarisrann  '",  s;knsemtillagaYessimlirfyrirum. 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