WPCuI 06Og_/2`BptOg;_ RZjX 51;Fj57(śJog^׼p50`@L*&@$d5%XA߄&/D\Hʌ ܲ'A FI id_CT#,OZY-翯)AȿA^x$ c)7CT8f|l7 N=8+NC,>I{W &x1Zu!+c&!_?+^FOJb2)3MPB(¡Ǜ<=Af2nvhܜ֢Ǡ bg8\D35(8JzaiZ͹9 m;wR4V^ jv 0U 0 0 0 0A 0 0 0Z 0 0 0g 08 0 0 0? 0 0{ 0 0 0_ 0- 0 0! 0+" 0" 0a# 0# 0<}$ 0$ 02j& 0/' 0,( 0)) 0& + 0#F, 0 i- 0. 0/ 1e0 7%1U.31U>a11 D-1@ 1o1@ _2oi2i2i2i2i2i2i2i2i2i2i2i2i2i2i2i2i2i2i2i2i2i2i2i2i2i2i2i2i2i2N22222 122 0Q}3}377 0Q88 0]<< 0EuBABA 0wAA 0'.B.B 0BB 1uCCDD BFFFFFFFFFFFFFFFF 72;F;F;F;F 1mFmFmFmFmFmFmFmFmFmFmFmFmFmFmFmFmFmFmFmF AGU:GGGGMGGGGVGGGGGG(MI&d9 Z6Times New Roman RegularX( Z$ IS , .\R6&A4\XħXXXTRW<6&A4W<6&A4 6&A4 6&A4T ? XXħ0?vvbX0#ggdd  8dXXd8ISUS.,    Adobe PDFyy0W:\WP2000\SKJRI~IZ.WPTW:\WP2000\SkjritunY2k-nytt.wptU>rirs?g(x> 3|x*+ (_2623  ..*G+G (_25   /%L L T\ d /23  ../%L L T\ d /   *8+8 (_24  ," T\ d ,23  ..," T\ d ,  *5+5 (_23 ` ) T\ d )23  ..) T\ d ) ` *2+2 (_22  &TT\ d &23  ..&TT\ d &  */+/ (_21  #\ d #23  ..#\ d #  *,+, (_20 h  \ d 23  .. \ d h *)+) (_19  \\ d 23  ..\\ d   *&+& (_18   d 23  .. d   *AA (_17  5+ L T\ d 523  Ԁ5+ L T\ d 5  *GG (_16   /%L L T\ d /23  Ԁ/%L L T\ d /   *88 (_15  ," T\ d ,23  Ԁ," T\ d ,  *55 (_14 ` ) T\ d )23  Ԁ) T\ d ) ` *22 (_13  &TT\ d &23  Ԁ&TT\ d &  *// (_12  #\ d #23  Ԁ#\ d #  *,, (_11 h  \ d 23  Ԁ \ d h *)) (_10  \\ d 23  Ԁ\\ d   (&& &_9   d 23  Ԁ d   (AA &_8  5+ L T\ d 523  5+ L T\ d 5  (GG &_7   /%L L T\ d /23  /%L L T\ d /   (88 &_6  ," T\ d ,23  ," T\ d ,  (55 &_5 ` ) T\ d )23  ) T\ d ) ` (22 &_4  &TT\ d &23  &TT\ d &  (// &_3  #\ d #23  #\ d #  (,, &_2 h  \ d 23   \ d h ()) &_1  \\ d 23  \\ d   &&& $_   d 23   d   <:Default Para<:List Paragra  X 2( L T\ d 2 IS &&&C5 $CalibriCS6\  `&Times New RomanS  5+ L T\ d 5   IS <d+g :Outline001_1  X 2( L T\ d 2 IS 23  ..  5+ L T\ d 5   IS <a+g :Outline001_2   /%L L T\ d / IS 23  ..  5+ L T\ d 5   IS <^+g :Outline001_3 j  ," T\ d , IS 23  ..  5+ L T\ d 5 j  IS <[+g :Outline001_4  ` ) T\ d ) IS 23  ..  5+ L T\ d 5   IS <X+g :Outline001_5   &TT\ d & IS 23  ..  5+ L T\ d 5   IS <U+g :Outline001_6 j  #\ d # IS 23  ..  5+ L T\ d 5 j  IS <R+g :Outline001_7  h  \ d  IS 23  ..  5+ L T\ d 5   IS <O+g :Outline001_8   \\ d  IS 23  ..  5+ L T\ d 5   IS <L+g :Outline001_9 j   d  IS 23  ..  5+ L T\ d 5 j  IS *+,-./01 35;AGMSY_11.a.i.1.a.i.1.a.32i. $Calibri\  `&Times New Roman )!dxdx: WPCa C513%)+ .- !!< WPCaC513%)+ .- !!ikmo %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.()34$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXcXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ?  0XXc0?vvbX0#ggdd  8LdXXd8ISIS,.     ݀Level 1Level 2Level 3Level 4Level 5()34$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXcXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ?  0XXc0?vvbX0#ggdd  8LdXXd8ISIS,.     (53Z$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXcXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ?  0XXc0?vvbX0#ggdd  8LdXXd8ISIS,.      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)  a4'ISUS.,,,..X#XXX?  pXX#0?vvbX0#ggdd  ISIS,.   _>?  p p# p pK#?  2d  p6 p# p p6#d2  dqi) gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)c8&Draw Object =8C HKKKK4cp Z "Times Regular L e4)ISUS.,,,..X#XXX?  pXX#0?vvbX0#ggdd  ISIS,.   _>? Ҁ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTX#XXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ?  pXX#0?vvbX0#ggdd  8 pdd8ISIS,.     _ >?  _ikmo(%03qs_ 139.lggjafarYing2010!2011.3PrentaWupp. ( Xskj.1612"788.ml.3^ \ p LeiWrtting.# p \^#_Ԉ    p6 p@XXNefndarlit # p p6*# p pԈ  L  M  L  M  umfrv.L  M  ԀtillL  M  .umbreyt.l.L  M  Ԁumgjaldeyrismlogtollalgum,meWsWaribreytingum.L  M     L  M    Frmeirihlutaefnahagsogskattanefndar. K #  L  M    L  M  NefndinhefurfjallaWummliWogfengiWsinnfundValgerWiRnBenediktsd;ttur,    T;masBrynj;lfsson,X;ruM.HjaltestedogBjrnRnarGuWmundssonfrefnahagsog   viWskiptarWuneyti,Arn;rSighvatsson,XurWirnad;ttur,HreiWarEirksson,RagnarA. wO  SigurWsson,PturSteinPturssonogJ;nKarlssonfrSeWlabanka0slands,VilhjlmEgilsson B  frSamtkumatvinnulfsins,VigdsiHalld;rsd;ttur,UnniErluJ;nsd;tturogBrynjuMaru    :lafsd;tturfrSamtkumfjrmlafyrirtkja,BjrguJ;hannesd;tturfrskilanefndKaup   Yings,Kristjn:skarssonogHeimiHaraldssonfrskilanefndGlitnis,PlHarWarson,Magn {  sHarWarsonogMagnsKristinsgeirssonfrKauphllNasdaqOMX,LiljuRutKrist; nF fersd;tturogGslarnKjartanssonfrFjrmlaeftirlitinu,SigrWiElsuKjartansd;tturfr 9 embttirkissaks;knara,RgnuHaraldsd;tturfrTryggingastofnunrkisins,FinnOddsson  ogX;rdsiBjarnad;tturfrViWskiptarWi,SmonX;rJ;nssonfrDeloitte,Alexander  EWvardssonfrKPMG,HildigunniHafsteinsd;tturogHeimiSkarphWinssonfrNeytenda r samtkunum,GunnarValSveinssonfrSamtkumferWaYj;nustunnar,BogaBogasonfr e= IcelandairGroupogSveinHjrtHjartarsonfrLandssambandislenskratvegsmanna.X 0 brustnefndinniumsagnirfrAnalyticaehf.,Fjrmlaeftirlitinu,KauphllNasdaqOMX,  skilanefndKaupYings,Landssamtkumlfeyrissj;Wa,LWvkiJlussyni,Neytendasamtk  unum,Pers;nuvernd,RkisendurskoWun,rkissaks;knara,rkisskattstj;ra,Samtkumat i vinnulfsins,Samtkumfjrmlafyrirtkja,SeWlabanka0slands,Tryggingastofnunrkisins \4 ogViWskiptarWi0slands. '   0frumvarpinuerlagttilaWlgfestarverWireglurumgjaldeyrismlsemSeWlabanki0slands  hefurgefiWtmeWsamYykkiefnahagsogviWskiptarWuneytisgrundvellikvWistil  brWabirgWaIlgumumgjaldeyrisml,nr.87/1992,sbr.reglurumgjaldeyrismlnr.370 `  fr29.aprl2010,sbr.ogleiWbeiningargefnart4.ma2010meWviWb;tum13.gstog20. S+! septembersamar.0frumvarpinuerueinniglagWartilminnihttarbreytingarreglunum. " BrWabirgWakvWiWrennurt31.gstnk.ensdagsetningtekurmiWaflengdefnahags # tlunar0slandssamstarfiviWAlYj;Wagjaldeyrissj;Winn.  $   FrumvarpiWerennfremurreisttlunSeWlabankansumlosungjaldeyrishaftafyrir31. !W% desember2015semrkisstj;rninsamYykkti25.marssl.L  M  ԀL  M  GjaldeyrishftunumvarkomiW J""& kjlfarneyWarrWstafanasemslenskstj;rnvldgriputilvegnabankahrunsinshaustiW2008. #' Btfrslanf;lstYvaWinnleiWatmabundnarenjafnframtvWtkarhmlurfjrmagnshreyf #( ingartilogfrlandinumeWYaWyfirlUstamarkmiWaWtryggjastWugleikakr;nunnarvegna $ ) yfirvofandihttumiklutflWifjrmagnsrslenskahagkerfinu.Fjrmagnshreyfingar v%N!* millilandamerkjaskilningifrumvarpsinsannarsvegaryfirfrslueWaflutningfjrmunum A&"+ semsrstaWtilogfrlandinuoghinsvegaryfirfrsluogflutningmilliinnlendraoger  '", lendraaWila.ErlagttilaWYrverWiaWmeginstefnutilbannaWarmeWYeimundantekningum '#- semframkomafrumvarpinu. (z$.   XegargjaldeyrishftinvorusettvarstefntaWlosunYeirraeinsflj;ttogYvyrWiviWkomiW ( vegnarskunarsemYeimersamfaraogalYj;WlegumskuldbindingumumfrelsiviWskiptum.  ReglurumhftinogumfangsmikiWeftirlitsemYeimfylgirsetjaathafnafrelsimannaskorWur  semgetagengiWnrristj;rnarskrrvrWumrttindumsviWumsemvarWaatvinnufrelsiog a friWhelgieignarrttarogeinkalfs.SamtsemWurerulggjafanumogstj;rnvldumjtaWar T, umtalsverWarheimildirtilrWstafanasviWiefnahagsmlaogalmenntbermnnumsaman  umaWhftinhafiveriWsettviWerfiWaraWstWursemmennhvorkiYekktunhafaupplifaW.  FramkemurathugasemdumfrumvarpsinsaWYeirflokkarfjrmagnshreyfingasemlagter   tilaWsubannaWirtakimiWafnauWsynYessaWlokallummgulegumleiWumseminnlendir  X ogerlendiraWilarhafatilaWlokakr;nustWumsnumfyrrenella. K #    SamstaWavirWistveraumaWstefnaberiaWlosunhaftaenmenngreinirummeWhvaWa    htti,hversuhrattoghvest;rumskrefum.SumirhafaekkidregiWefaYrfinafyrirtilvist    haftannafrupphafienaWrirteljaaWaWstWurefnahagslfinugefintilefnitilYessaW   endurskoWatluninaogafnemahftinlngufyrirtmafrestinnsemgefinnerfrumvarpinu. wO  FrWhafaveriWrkfyrirYvaWlgfestingreglnannatryggiYeimkveWinnvaranleikasem B  munigefarngskilaboWtilerlendrafjrfestaogfjrmagnsmarkaWa.XhefurYvveriWhaldiW    framaWgefnarforsendurtlunarinnarumaflandsgengiog;stWugarkr;nueignirhrlandi   hafiekkiveriWrannsakaWarn;gutarlegaogaWgreindurtmarammiveitistj;rnvldumltiW {  aWhaldYarsemeinstakaraWgerWirhafiekkiveriWtmasettar.VegnaYeirrarrskunarsem nF hftinhafifyrirviWskiptalfiWogathafnafrelsieinstaklingahafafulltrarratvinnulfinumeW 9 vsantilbitrarreynslulagthersluaWhraWaafnmihaftannaeWaskoWaaWrarvgarileiWir.  HinirsmuhafavsaWtilskortsgagnsiviWframkvmdYeirraogaWekkihafiveriWgtt  jafnrWisogmeWalh;fs,einkumviWveitinguundanYga. r   fundumnefndarinnarvarmikiWrttumYrfinafyriraWlgfestareglurumgjaldeyris e= hft.MeWfyrrgreindubrWabirgWakvWivarfarinsleiWupphafiaWleggjahendurSeWla 0 banka0slandsaWm;tareglurumhftin.Stj;rnvldhafiYstaWiWframmifyrir;Yekktum  aWstWumogekkigertsrnkvmagreinfyrirYvhvernigYrskyldutfrWartilaWn  tilgangisnum.SeWlabankinntelurnmeWhliWsj;nafYeimtmasemliWinneraWdregiWhafi i rYrffyrirYaWvWtkaframsalvaldssembankanumvarfengiWtilYessaWbreytareglum \4 umgjaldeyrisml.MliWvarWiaukYessmiklahagsmuniogeWlilegtsYessumtmapunkti ' aWgefalggjafanumtkifritilaWfjallaumreglurnarogskj;tastyrkaristoWumundirfram  kvmdYeirraendaY;ttshtturverWiekkifortakslaustleidduraflgmtisreglustj;rnar  skrrinnar.LgfestingureglnannasekkitlaWaWtefjatlunumlosungjaldeyrishaftaen `  Y;YykiaWteknutillititiltrverWugleikaogalYj;WlegraskuldbindingarttaWtlaverkefninu S+! raunsjantmarammaYarsem;neitanlegagtinokkurrar;vissuumframgangYess. "   0erindiefnahagsogviWskiptarWuneytisinstilnefndarinnarfr17.masl.erYess;skaW # aWnefndinleggitilbreytingar6.gr.frumvarpsinssemsamtundanYgumsemSeWlabank  $ innveitirstlaWaWstuWlaaWYvaWlgfestingvaldiekkiskortisveigjanleikaviWlosun !W% haftasamrmiviWtlunbankans.UmtillgunasegirnnarniWurlagierindisins:?SeWla J""& bankinnhefursamkvmt8.gr.laganr.87/1992umgjaldeyrismlheimildtilaWhafamilli #' gnguumgjaldeyrisviWskiptiogverslameWerlendangjaldeyri.MeWkvWiYessuerSeWla #( bankanumhinsvegargertkleift,aWgeraUmsarrWstafanirsamningumviWaWila,semmiWa $ ) bWiaWYvaWskilyrWaYtttkuviWtilteknaaWilaumframaWra,ogeinnigaWYvaWkvaWa v%N!* bindagjaldeyrisviWskiptineftirYvsemYrfYykir,enllslkskilyrWiogkvaWirverWaein A&"+ ungissetttilsamrmisviWtlunSeWlabankansumlosungjaldeyrishafta.TilsamrmisviW  '", YaWergertrWfyriraWheimildingilditilrslokariW2015.GrundvallaratriWiWverWur,aW '#- gjaldeyrisviWskiptinleiWiekkitilalvarlegsogverulegs;stWugleikagengisogpeningaml (z$. um.kvWiWerekkiefnislegabundiWviWkveWinnliWtlunumlosunhaftaheldurgetur ( YaWrenntstoWumundirYauviWskiptisemtluninnitengjast. MeirihlutinnrttaraWhftin  eigiekkiaWvaraaWeilfuogmarkmiWsaWafnemaYaufngum,YvfyrrYvbetra.    AWhfWusamrWiviWefnahagsogviWskiptarWuneytiWogaWfengnumbendingum a SeWlabanka0slandsogannarraumsagnaraWilaleggurmeirihlutinntilogbendireftirfarandi: T, "i0J"  i0J22%  1  .3  Ԉ0    LgWertilbreytinglagatilvsunumaliW3.gr.(13.gr.a).i0J2 3݌ Ќ  "i0J"  i0J42%  2  .3  Ԉ0    LagWarerutilbreytingarinngangsmlsliWum1.og2.mgr.bliWar3.gr.(13.gr.b).  TilgangurYessarabreytingaeraWleiWrttamisritunsemSeWlabanki0slandsteluraW   ;breyttumundileiWatilefnisbreytingarfrreglumnr.370/2010semekkihafistaWiWtil  X aWgera.i0J4-4݌K #  Ќ  "i0J"  i0JQ62%  3  .3  Ԉ0    LagWarerutilbreytingar4.mlsl.2.mgr.bliWar3.gr.(13.gr.b)og4.mlsl.3.mgr.    cliWar3.gr.(13.gr.c).kvWinvarWaheimildeinstaklingssemererlenduraWilitilaW    flytjatogkaupaerlendangjaldeyrisUnihannframaWfjrmunirnirsuandvirWi   slysab;taeWaarfs.TilsamrmisviWbendingarrWuneytisinsogaWfenginniumsgn wO  SamtakafjrmlafyrirtkjaerlagttilaWorWalagikvWisinsverWibreytttilYessaWtaka B  afvafaumaWerlenduraWiliYurfiekkinauWsynlegaaWeigareikninghrlanditilaW    getaflutttandvirWiarfseWaslysab;ta.i0JQ6~6݌  Ќ  "i0J"  i0JB:2%  4  .3  Ԉ0    LagWarerutilbreytingarlokamlsliW2.mgr.bliWar3.gr.(13.gr.b)oglokamlsliW {  3.mgr.cliWar3.gr.(13.gr.c)enYareruYeimnmsmnnumsemsUntgetaframaW nF Yeirstundilnshftnmerlendis,samkvmtreglumL0N,veittartakmarkaWarheimildir 9 tilYessaWflytjatogkaupaerlendangjaldeyrieinsogumvriaWrWaerlendanaWila.  EkkiYykirYrfaWafmarkaheimildinaviWlnshftnmsamkvmtreglumL0Nheldur  ngiaWviWkomandigetisUntframaWhannsnmierlendis.i0JB:o:݌r Ќ  "i0J"  i0J=2%  5  .3  Ԉ0    LagWarerutilnokkrarbreytingardliW3.gr.(13.gr.d).0kvWinuerm.a.fjallaWum e= skilyrWiundanYgutilkaupaferWamannagjaldeyri.i0J==݌0 Ќ  "m"  mZ?0  0 2%  a  .3  Ԉ0v  0fyrstalagierlgWtilbreytingorWalagiupphafsmlsliWar1.tlul.2.mgr.YleiW  aWstaWYessaWgerWskrafaumaWgjaldeyrirstlaWurtilaW?greiWakostnaW   vegnaferWalagaerlendisverWimiWaWviWaWhannstil?notkunar vegnaferWalaga i erlendis.mZ??݌\4vv Ќ  "m"  mA0  0ww 2%  b  .3  Ԉ0v  0annanstaWerlgWtilbreyting3.tlul.2.mgr.YarsemgerWerkrafaumaWssem ' ferWastsraunverulegureigandifjrmunasemhanntekurteWanotartilkaupa  hinumerlendagjaldeyri.SamtkfjrmlafyrirtkjabentuviWmeWferWmlsinsaW  ;vissavriumhversulangtfjrmlafyrirtkittuaWgangaranns;knfjrmlum `  viWskiptavinarviWmatYvhvortumrttskilyrWivriuppfyllt.Samtkintldu S+! einnigvafaleikahvortaWilavriheimiltaWkaupagjaldeyrifyrirsnannustu. " RWuneytiWogSeWlabankinnrttuWuhinsvegaraWmeWkvWinuvriekkiveriW # aWgeratarlegarkrfurumsnnunYvhverttiYfjrmunisemverslaWvrifyrir  $ heldurvrieingnguveriWaWkomavegfyriraWeinnaWiligetikeyptgjaldeyrit !W% farseWlafjldaaWilaogsafnaWYanniguppgjaldeyri.Stj;rnvldingerWuekkiheldur J""& athugasemdviWaWbttyrWiviWheimildtilaWkaupaeWatakatgjaldeyrifyrirmaka #' ogerbreytinginYvlgWtilYaraWltandi.mA#B݌#(vv Ќ  "m"  m@H0  0 2%  c  .3  Ԉ0v  0YriWjalagierlagttilaW1.mlsl.3.mgr.verWifelldurbrottenYarerfjallaWum $ ) skilaskylduYeimhlutaferWamannagjaldeyrissemekkiernUtturfyrirhugaWriferW. v%N!* ErYettalagttillj;siathugasemdafrfjlmrgumumsagnaraWilumogfyrirsjan A&"+ legraerfiWleikaviWframkvmdkvWisins.Afturm;tiYykirekkistWatilYess  '",  aWfellaskyldunaniWurYegarekkiverWuraffyrirhugaWriferW.m@HmH݌'#-vv Ќ  "i0J"  i0JK2%  6  .3  Ԉ0    & a  LgWertilbreytinglagatilvsun4.mgr.nliWar3.gr.(13.gr.n).TilgangurYessarar ( breytingareraWleiWrttamisritunsemSeWlabanki0slandsgerirgreinfyrirumsgn  sinni.'a( Li0JKK݌ Ќ  "i0J"  i0JM2%  7  .3  Ԉ0    LagtertilaWpliWur3.gr.(13.gr.p)fallibrott.0minnisblaWirWuneytisinstilnefndar a innarYarsembrugWisterviWumsgnembttisrkissaks;knaraertaliWaWkvWinus T, ofaukiWmeWhliWsj;naf4.og5.gr.frumvarpsins.i0JMM݌ Ќ  "i0J"  i0JO2%  8  .3  Ԉ0    LagtertilaWviW3.gr.verWibttnUjumpliW(13.gr.p)YarsemfjallaWverWurumeyW  inguupplUsingasemSeWlabanki0slandssafnarumgjaldeyrisviWskiptigrundvellifrum   varpsins.Tillaganersettframlj;siumsagnarPers;nuverndarenerltillegabreyttfr  X YvsemYarkemurframtilaWmtasj;narmiWumrWuneytisinsogSeWlabanka0slands.L  M  i0JOO݌K #  Ќ  "i0J"  9vr$j~0Cp'@@@5,!! d a E / CC i0JuR2%  9  .3  Ԉ0    LagtertilaWefnahagsogviWskiptarWherragefiYinginuskUrslurlegaumframgang    tlunarumlosungjaldeyrishafta.L  M  i0JuR\S݌   Ќ  "i0J "  i0JT112%  10  .3  Ԉ0    LgWertilbreyting6.gr.tilsamrmisviWYaWsemaWframangreinirummikilvgi   YessaWlgfestingfrumvarpsinsvaldiekkiskortisveigjanleikaviWlosunhaftanna wO  samrmiviWtlunSeWlabanka0slands.i0JTT݌B  Ќ  "i0J "  i0JV112%  11  .3  Ԉ0    0umsgnSamtakafjrmlafyrirtkjavar;skaWeftirYvaW5.mgr.gliWar3.gr.(13.gr.    g)semheimilarframlengingulnamilliinnlendraogerlendraaWilasemtekinvorufyrir   setninguhaftayrWieinnigltintakatilendurfjrmgnunar.RWuneytiWogSeWlabanki {  0slandsstyWjaekkiYtillguvegnaerfiWleikaviWaWreisaskorWurviWYvaWinnlendir nF aWilaraukiskuldsetningusnaviWerlendaaWila.i0JVV݌9 Ќ  "i0J "  i0JY112%  12  .3  Ԉ0    0umsgnSamtakafjrmlafyrirtkjaeruummliathugasemdumviWjliW3.gr.(13.  gr.j)talinstangast,nnartiltekiWYausemframkomaupphafsmlsliW2.mgr.  athugasemdummeW13.gr.jannarsvegarog3.mgr.athugasemdumviW13.gr.jhins r vegar.RWuneytiWogSeWlabanki0slandshafatekiWundirYennanskilningogteljaaWum e= saWrWamisritunupphafsmlsliW2.mgr.athugasemdummeW13.gr.j.MeWrttu 0 sttviWaWinnlendumaWilasekkieinungisheimiltaWkaupaerlendangjaldeyritilaW  standaskilYeimgreiWslumsemumrWir1.mlsl.1.mgr.jliWar3.gr.(13.gr.j)til  erlendraaWilaheldurerinnlendumaWilumeinnigheimiltaWkaupaerlendangjaldeyri i tilgreiWslusamningsbundinnaafborganalnaerlendumgjaldeyrihjYvinnlendafjr \4 mlafyrirtkisemveittiviWkomandiln,lktogframkemur3.mgr.athugasemdum ' meW13.gr.j.i0JYY݌ Ќ  "i0J "  i0JE_112%  13  .3  Ԉ0    fundinefndarinnar;skaWifulltriskilanefndarKaupYingseftirYvaWgerWaryrWutil  greindarbreytingarfrumvarpinutilYessaWhgtyrWiaWljkaferlislitameWferWarmeW `  nauWasamningi.FrumvarpiWmundiaW;breyttustandaYvvegiaWhgtyrWiaWefna S+! slkansamning.RWuneytiWogSeWlabanki0slandst;kuframaWfylgstyrWivelmeWupp " gjrinuYegarYaraWkmiaWteknutillititilsj;narmiWaumfjrmlastWugleikaogYv # ekkitilefnitilaWfallastbeiWnina.i0JE_r_݌ $ Ќ    MeirihlutinnleggurtilaWfrumvarpiWverWiL  M  samYykkt L  M  ԀmeWeftirfarandi !W%   L  M  BREYTINGUM: #' cL  M  ;vr$j~0d Cp @@@5,!! d aE$CCA$z! !L  M  "i0J"  i0Jd2%  1  .3  Ԉ0    L  M  L  M  0staWorWanna?13.gr.i aliW3.gr.(13.gr.a)komi:13.gr._n._i0Jde݌$ ) Ќ  "i0J"  i0JVf2%  2  .3  Ԉ0    L  M  ViWbliW3.gr.(13.gr.b).i0JVff݌v%N!* Ќ  "m"  mjg0  0 2%  a  .3  Ԉ0v  L  M  L  M  1.mlsl.1.mgr.orWistsvo:Eftirfarandifjrmagnshreyfingarmillilandaeru;heimil A&"+  ar.mjgg݌ '",vv Ќ  "m"  mi0  0ww 2%  b  .3  Ԉ0v  L  M  & a  0staWorWanna?Bann1.mgr.nrY;ekkitil 1.mlsl.2.mgr.komi:Allarfjr ( magnshreyfingarskv.1.mgr.millilandaerlendumgjaldeyrieru;heimilarnema  umsaWrWa.'a(imiCi݌vv Ќ  "m"  mSk0  0 2%  c  .3  Ԉ0v  L  M  4.mlsl.2.mgr.orWistsvo:EnnfremurerheimiltaWflytjaterlendangjaldeyri a eigueinstaklingsssUntframaWfjrmunirnirsuandvirWislysab;taeWaarfssem T, honumhefurtmstviWdnarbsskipti.mSkk݌vv Ќ  "m"  m{m0  0ww 2%  d  .3  Ԉ0v  L  M  5.mlsl.2.mgr.orWistsvo:L  M  NmsmennsemsUntgetaframaWYeirsunmi  erlendisteljasterlendiraWilarskilningiYessakvWis.L  M  m{mm݌ vv Ќ  L  M  "i0J"  i0Jo2%  3  .3  Ԉ0    L  M  ViWcliW3.gr.(13.gr.c).i0Joo݌ X Ќ  L  M  "m"  mp0  0 2%  a  .3  Ԉ0v  L  M  4.mlsl.3.mgr.orWistsvo:EnnfremurerheimiltaWkaupaerlendangjaldeyrifyrir K #  andvirWislysab;taeWaarfssemeinstaklingihefurtmstviWdnarbsskipti.mpp݌  vv Ќ  "m"  mr0  0ww 2%  b  .3  Ԉ0v  L  M  5.mlsl.3.mgr.orWistsvo:L  M  NmsmennsemsUntgetaframaWYeirsunmi    erlendisteljasterlendiraWilarskilningiYessakvWis.L  M  Ԁmrr݌ vv Ќ  L  M  "i0J"  i0Jt2%  4  .3  Ԉ0    L  M  ViWdliW3.gr.(13.gr.d).i0Jtt݌wO  Ќ  L  M  "m"  mu0  0 2%  a  .3  Ԉ0v  L  M  0staWorWanna?aWgreiWakostnaW 1.tlul.2.mgr.komi:notkunar.muu݌B vv Ќ  "m"  m3w0  0ww 2%  b  .3  Ԉ0v  L  M  ViW3.tlul.2.mgr.btistnUrmlsliWur,svohlj;Wandi:XrttfyrirkvWi1.mlsl.    ereinstaklingiY;heimiltaWkaupagjaldeyrifyrirmaka.m3w`w݌ vv Ќ  "m"  my0  0 2%  c  .3  Ԉ0v  L  M  1.mlsl.3.mgr.fallibrott.my;y݌{ vv Ќ  L  M  "i0J"  i0JYz2%  5  .3  Ԉ0    L  M  0staWorWanna?1.mgr.13.gr.b 4.mgr.nliWar3.gr.(13.gr.n)komi:2.mgr.13. nF gr.b.i0JYzz݌9 Ќ  "i0J"  i0J{2%  6  .3  Ԉ0    L  M  OrWin?laganr.87/1992 1.mlsl.oliWar3.gr.(13.gr.o)fallibrott.i0J{{݌ Ќ  "i0J"  i0J}2%  7  .3  Ԉ0    L  M  PliWur3.gr.(13.gr.p)orWistsvo:i0J}F}݌ Ќ  "k;"  L  M  L  M  k;6~0  2%3  0     v XegargjaldeyrishfteruekkilengurtilstaWar,sbr.13.gr.a,enY;eigisWaren1. r aprl2016,skalSeWlabanki0slandseyWaYeimupplUsingumsemaflaWergrundvelli e= 1.,2.og4.mgr.15.gr.e,15.gr.fog1.og2.mgr.15.gr.g.XaWY;ekkiviWumggn 0 ervarWameintbrotgegnlgumumgjaldeyrismlogupplUsingarsemliggjatilgrund  vallarniWurstWumranns;knameintumbrotum.k;6~~݌ Ќ  L  M  "i0J"  i0Jk2%  8  .3  Ԉ0    L  M  L  M  ViW3.gr.btistnUrliWur,qliWur(13.gr.q),svohlj;Wandi:i0Jk݌i Ќ  "k;"  L  M  L  M  k;0  2%3  0     v EfnahagsogviWskiptarWherraskalrlegagefaAlYingiskUrsluumframgangtl \4 unarumafnmgjaldeyrishafta,sbr.13.gr.a.kvWiWskalstaendurskoWunaWdrag ' andaaWgerWskUrslunnar.k;݌ Ќ  L  M  "i0J"  i0J2%  9  .3  Ԉ0    L  M  L  M  6.gr.orWistsvo:i0J݌ Ќ  "k; "  k;0  2%3  0     v L  M  kvWitilbrWabirgWaIlgunumorWastsvo:k;3݌`  Ќ  "k; "  k;50  2%3  0     v Framtil31.desember2015geturSeWlabankinnbundiWgjaldeyrisviWskiptisnskil S+! yrWumhvaWvarWarinnraskipulagogfjrfestingarstefnuviWskiptamanna,eignarhaldog " fjrmgnunYeirra,lgmarkstmaeignarhaldihlutaeWahlutabrfatgefinnaafviW # skiptamnnum,rWstfunYeirragjaldeyritilnnartilgreindrafjrfestingaoglg  $ markstmafjrfestinguYeirra.k;5b݌!W% Ќ  @ AlYingi,2.jn2011. #' M$% $ .UUUUUU>>.@mm |HelgiHjrvar, M$% ) @ |form.,frsm. % * @ MagnsOrriSchram. M$% * @.xXurWurBackman. M$% * .UUUUUU> > . &"* r&"y'Q#(>>(@** MrWurrnason. &"+ @$XAuWurLiljaErlingsd;ttir. &"+ (>>(