WPC %R9I`Az81^赎'G[Qv*B!M1( ^ SRTgғNOUHYo?Eh]q} WbKd^_tvר׊>7w? 72@ 1@ 72gA 1A 72 B 1RB 72BE C 0 C 0< D 0,ID 0uD 0&E 0-F 0F 0:G 0G 0-H 00I 00J 03"L 0UM 0P 0R 0U 0 EX 0NY 0[ 0Y\ B\ AM\ 0NE] 0] 02^N^ 0^ 0r_ 0` 0` 1Oa 0a 0vb 0g 0vg D5l 0vKl 0Kp 0 q 00u 0uv 0-3w 0w`x Ax 0 vy 0*z 0={ 0'{ 1u} 0$} 0!~ 0 0 0 00 0O 0* 0'2 0$Y 0!} 0 0 0׍ 03 00" 0-R 0* 0' 72Д 0$ 0!& 0G 1 e 0 00! 0-Q 0*~ 0' 0$Ϟ 0! 0 02 0M 00e 0- 0*¦ 0' 0$ 0!7 0X 0v 0 03U:ܯ 00 0-F 0*sM 0' 0$ȴ 0! B- 0: 0X 00s 0- 0*л 0 0' 0D 0$5 0!Y 0z 0 0 03 00 0-. 0*[ 0' 0$ 0! 0 0 0* 0 0h 0 0 0E 0 0 0" 0 0: 0 0R 0 0j 0 0 0 0 0& 0 0> 0 0V 0 0n 1U 7 O 1e[ 7 1e 73 1UA 7 U ,U> 7 7 7& 7 4 1@ 72 1 72 1 729 1k 72 1$ 72 1 72d 1 72 0O 0j DCJ 1 72 1F 72 1 72 1 72? 0q 0 1 1 1 1 0$ 0 0 0b 0N 1Q 1 1_ 1 72m 1 72& 1X 72 0 0 0 0 0 0 0 0 0u 0W 06 0 0 0 0 0 0U 0+ 0  0  0  0  0~  0V  0. 0 0& 0 0 0#P 0s 0  0<U. 0 0h 0 0 0. 0B@ 0( AQ&d9 Z6Times New Roman RegularX(1$ IS , .\R6&A4\X_XXXTRW<6&A4W<6&A4 6&A4 6&A4T ? 9XX_-?vbX-#ggdd  80dd8ISUS.,     Adobe PDFyy0\\Mimir\forrit\WP2000\template\SKJRIT~1.WPT\\Mimir\forrit\WP2000\template\SkjritunY2k.wpt UXi?ό|)rirs?g^@ 3|xLevel 1Level 2Level 3Level 4Level 5)!dxdx_*+ (_2623  .. "h?nnunargreinum$t?lvunarfr%Winga"lUsingarh?nnuWa(iWnaWarrWuneytinuupptalningunastarfsheitinu"kerfisfr%WingurCtskriftt?lvut%kna&RafiWnaWarsk;lanst?lvukerfum&t?lvunarfr%Wiskor&t?lvunarfr%Wingar,t?lvunarfr%Wingarnir$skyldunmskeiWum$skyldueiningunum,st%rWfr%WinmskeiWum(st%rWfr%Wigreiningbestunarfr%Wi&t?lvunarfr%Winnar$t?lvunarfr%Winni&skyldueiningarnar2t?lvunarfr%WinmskeiWumt?lvusviWinu"grunnskilningur(t?lvunarfr%Wideildkj?rsviWa&notendahugbCnaWar$kerfishugbCnaWar&viWskiptafr%Wivalt%knigreinum"kerfisfr%Wingarkj?rsviWiforritun"st%rWfr%Wigrunn$umfj?llunarefniW(st%rWfr%WinmskeiW6t?lvunarfr%Wideildarinnart?lvuv%WingarSkUrr hugbCnaWargerW loftskeytamennkerfisfr%Wing"Ctskriftarnemar"CtskriftarnemumstarfsheitiW&t?lvunarfr%WingurhugbCnargerW kerfisfr%WinganetkerfumCtskrifaW&RafiWnaWarsk;linnumsagnaraWili"lgmarksmenntun$starfsheital?ginl?ggilt"rafverkfr%Wingarafverktaka$lUsingarh?nnuWurVostrogjaldfellinga*D+J (_25   ," <DL,23  ..  2( 4 <DL2  ӂLevel 1Level 2Level 3Level 4Level 5Level 1Level 2Level 3Level 4Level 5Level 1Level 2Level 3Level 4Level 5Level 1Level 2Level 3Level 4Level 5, *HNK2   cf&OLE 2.0 Box <=8C HKKKK*A+J (_24   ) <DL)23  ..  2( 4 <DL2  *>+J (_23  ` &<<DL&23  ..  2( 4 <DL2  *;+J (_22   #DL#23  ..  2( 4 <DL2  *8+J (_21    DL 23  ..  2( 4 <DL2  *5+J (_20  h DDL23  ..  2( 4 <DL2  *2+J (_19   L23  ..  2( 4 <DL2  */+J (_18    L23  ..  2( 4 <DL2  * (_1723  Ԁ*DJ (_16   ," <DL,23  Ԁ  2( 4 <DL2  *AJ (_15   ) <DL)23  Ԁ  2( 4 <DL2  *>J (_14  ` &<<DL&23  Ԁ  2( 4 <DL2  *;J (_13   #DL#23  Ԁ  2( 4 <DL2  *8J (_12    DL 23  Ԁ  2( 4 <DL2  *5J (_11  h DDL23  Ԁ  2( 4 <DL2  *2J (_10   L23  Ԁ  2( 4 <DL2  (/J &_9    L23  Ԁ  2( 4 <DL2  ( &_823  (DJ &_7   ," <DL,23   2( 4 <DL2  (AJ &_6   ) <DL)23   2( 4 <DL2  (>J &_5  ` &<<DL&23   2( 4 <DL2  (;J &_4   #DL#23   2( 4 <DL2  (8J &_3    DL 23   2( 4 <DL2  (5J &_2  h DDL23   2( 4 <DL2  (2J &_1   L23   2( 4 <DL2  &/J $_    L23   2( 4 <DL2  <:Default Para(5hCEKQW]cioAutoList1a.a.a.a.a.a.a.a.3a.  ab'ISUS.,,,..XXXX?  XX-?vbX-#ggdd  ISIS,.   _? 2d ( # (V#d2D (EhCEKQW]cioAutoList2a.a.a.a.a.a.a.a. - eb)ISUS.,,,..XXXX?  XX-?vbX-#ggdd  ISIS,.   _Ԁ6a.0UhCEKQW]cioAutoList31.1.1.1.1.1.1.1.91.(ehCEKQW]cioAutoList41.1.1.1.1.1.1.1.;1.(uhCEKQW]cioAutoList51.1.1.1.1.1.1.1.=1.2S+P 0_level1  , ;1PPP|, 4<D ";23  ..  8.$$|, 4<D "8  <:footnote ref,*MIVJ2000Level 1   IS XXX US   2zz0Level 3   7 2( 4 <DL2 IS XXX  2( 4 <DL2 US    0GG.header   `  IS XXX US    ` 0GG.footer   `  IS XXX US    ` :8page number:<<8Body Text 2  X  IS XXX US   X <`+f :Outline001_1   ," <DL,23  ..  2( 4 <DL2  <c+f :Outline002_1   /% <DL/23  ..  2( 4 <DL2  <c+f :Outline003_1   /%  <DL/23  ..  2( 4 <DL2  <f+f :Outline004_1   2( 4 <DL223  ..  2( 4 <DL2  < :Outline005_1   ," <DL,A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  2( 4 <DL2  < :Outline006_1   /% <DL/A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  2( 4 <DL2  < :Outline007_1   /%  <DL/A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  2( 4 <DL2  < :Outline008_1   2( 4 <DL2A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  2( 4 <DL2  <Q+Q :Outline009_15+ 4 <DL523  ..5+ 4 <DL5< :Outline010_15+ 4 <DL5A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS5+ 4 <DL5<+ :Outline011_123  ..64Hyperlink     d cfA<< c(O$<+ :Outline011_223  ..<+ :Outline011_323  ..<+ :Outline011_423  ..<+ :Outline011_523  ..<+ :Outline011_623  ..<+ :Outline011_723  ..ikmo0JTEu{}1. a. 1.StafliWir undir t?luliW1.a.1.<+ :Outline011_823  ..(N3b$ !ISUS.,,,..TRW6&A4X3' Letter 6&A4\X_X3'LetterTXXXXTRW6&A4W6&A4 6&A4 6&A4\X_XT ? !xXX-?vbX-#ggdd  8!xdXXd8ISIS,.      <+ :Outline011_923  ..(N3b$ !ISUS.,,,..TRW6&A4X3' Letter 6&A4\X_X3'LetterTXXXXTRW6&A4W6&A4 6&A4 6&A4\X_XT ? !xXX-?vbX-#ggdd  8!xdXXd8ISIS,.      UUUU)!dxdx(N3b$ !ISUS.,,,..TRW6&A4X3' Letter 6&A4\X_X3'LetterTXXXXTRW6&A4W6&A4 6&A4 6&A4\X_XT ? !xXX-?vbX-#ggdd  8!xdXXd8ISIS,.      ( $ Figure  1  (Z3ݵ$ !ISUS.,,,..TRW6&A4X3' Letter 6&A4\X_X3'LetterTXXXXTRW6&A4W6&A4 6&A4 6&A4\X_XT ? !xXX-?vbX-#ggdd  8!xdXXd8ISIS,.       d <c+f :Outline012_1  { /%W W <DL/23  ..  2( 4 <DL2  (M(m$2JT  0  .3  0  <`+f :Outline012_2   ," <DL,23  ..  2( 4 <DL2  (O$0  2  3  0` "" cf I&mage <=8C HKKKK(u$0  0` (#(#` `  2  a  .3  0` (#` (#<]+f :Outline012_3 j + ) <DL)23  ..  2( 4 <DL2 j (͓$0  0` ""0 ` "` "0 " "2  *3  0h""<Z+f :Outline012_4   &__DL&23  ..  2( 4 <DL2  3#37=CIQYag1.a.i.(1)(a)(i)1)a)<W+f :Outline012_5   #DL#23  ..  2( 4 <DL2  <T+f :Outline012_6 j 3  DL 23  ..  2( 4 <DL2 j <Q+f :Outline012_7   ggL23  ..  2( 4 <DL2  <N+f :Outline012_8   L23  ..  2( 4 <DL2  <K+f :Outline012_9 j ;  L23  ..  2( 4 <DL2 j <c+f :Outline013_1  X /%4 4 <DL/23  ..  2( 4 <DL2  < :Outline013_2   ," <DL,A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  2( 4 <DL2  <]+f :Outline013_3   ) <DL)23  ..  2( 4 <DL2  <Z+f :Outline013_4  ` &<<DL&23  ..  2( 4 <DL2  <W+f :Outline013_5   #DL#23  ..  2( 4 <DL2  <T+f :Outline013_6    DL 23  ..  2( 4 <DL2  <Q+f :Outline013_7  h DDL23  ..  2( 4 <DL2  <N+f :Outline013_8   L23  ..  2( 4 <DL2  <K+f :Outline013_9    L23  ..  2( 4 <DL2  <f+f :Outline014_1   2( 4 <DL223  ..  2( 4 <DL2  <c+f :Outline014_2  q /%M M <DL/23  ..  2( 4 <DL2  <`+f :Outline014_3 j  ," <DL,23  ..  2( 4 <DL2 j <]+f :Outline014_4  ! ) <DL)23  ..  2( 4 <DL2  <Z+f :Outline014_5  y &UUDL&23  ..  2( 4 <DL2  qi)<W+f :Outline014_6 j  #DL#23  ..  2( 4 <DL2 j <T+f :Outline014_7  )  DL 23  ..  2( 4 <DL2  <Q+f :Outline014_8   ]]L23  ..  2( 4 <DL2   gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)<N+f :Outline014_9 j  L23  ..  2( 4 <DL2 j <c+f :Outline015_1   /%  <DL/23  ..  2( 4 <DL2  <`+f :Outline015_2  _ ,"; ; <DL,23  ..  2( 4 <DL2  <]+f :Outline015_3 j  ) <DL)23  ..  2( 4 <DL2 j <Z+f :Outline015_4   &DL&23  ..  2( 4 <DL2  <W+f :Outline015_5  g #CCDL#23  ..  2( 4 <DL2  <T+f :Outline015_6 j   DL 23  ..  2( 4 <DL2 j <Q+f :Outline015_7   L23  ..  2( 4 <DL2  <N+f :Outline015_8  o KKL23  ..  2( 4 <DL2  <K+f :Outline015_9 j   L23  ..  2( 4 <DL2 j <c+f :Outline016_1  h /%D D <DL/23  ..  2( 4 <DL2  <`+f :Outline016_2   ,"x x <DL,23  ..  2( 4 <DL2  <]+f :Outline016_3 j  ) <DL)23  ..  2( 4 <DL2 j <Z+f :Outline016_4  L &((DL&23  ..  2( 4 <DL2  <W+f :Outline016_5   #DL#23  ..  2( 4 <DL2  <T+f :Outline016_6 j   DL 23  ..  2( 4 <DL2 j <Q+f :Outline016_7  T 00L23  ..  2( 4 <DL2  <N+f :Outline016_8   L23  ..  2( 4 <DL2  <K+f :Outline016_9 j   L23  ..  2( 4 <DL2 j <f+f :Outline017_1   2( 4 <DL223  ..  2( 4 <DL2  4cp Z "Times Regular<c+f :Outline017_2  q /%M M <DL/23  ..  2( 4 <DL2  <`+f :Outline017_3 j  ," <DL,23  ..  2( 4 <DL2 j <]+f :Outline017_4  ! ) <DL)23  ..  2( 4 <DL2  <Z+f :Outline017_5  y &UUDL&23  ..  2( 4 <DL2  <W+f :Outline017_6 j  #DL#23  ..  2( 4 <DL2 j <T+f :Outline017_7  )  DL 23  ..  2( 4 <DL2  )Hairline d<Q+f :Outline017_8   ]]L23  ..  2( 4 <DL2  <N+f :Outline017_9 j  L23  ..  2( 4 <DL2 j <c+f :Outline018_1  q /%M M <DL/23  ..  2( 4 <DL2  <`+f :Outline018_2   ," <DL,23  ..  2( 4 <DL2  <]+f :Outline018_3   ) <DL)23  ..  2( 4 <DL2  (`H2 !$ !ISUS.,,,..TRW6&A4X3' Letter 6&A43'LetterTXXXXTRW6&A4W6&A4 6&A4 6&A4T ? !xXX-?vbX-#ggdd  8!xdXXd8ISIS,.          0  !xԀ<Z+f :Outline018_4  ` &<<DL&23  ..  2( 4 <DL2  (#$  0  <W+f :Outline018_5   #DL#23  ..  2( 4 <DL2  <T+f :Outline018_6    DL 23  ..  2( 4 <DL2  <Q+f :Outline018_7  h DDL23  ..  2( 4 <DL2  <N+f :Outline018_8   L23  ..  2( 4 <DL2  <K+f :Outline018_9    L23  ..  2( 4 <DL2  <f+f :Outline019_1   2( 4 <DL223  ..  2( 4 <DL2  <c+f :Outline019_2  q /%M M <DL/23  ..  2( 4 <DL2  <`+f :Outline019_3 j  ," <DL,23  ..  2( 4 <DL2 j <]+f :Outline019_4  ! ) <DL)23  ..  2( 4 <DL2  <Z+f :Outline019_5  y &UUDL&23  ..  2( 4 <DL2  <W+f :Outline019_6 j  #DL#23  ..  2( 4 <DL2 j <T+f :Outline019_7  )  DL 23  ..  2( 4 <DL2  <Q+f :Outline019_8   ]]L23  ..  2( 4 <DL2  <N+f :Outline019_9 j  L23  ..  2( 4 <DL2 j <+ :Outline020_123  ..<+ :Outline020_223  ..<+ :Outline020_323  ..<+ :Outline020_423  ..<+ :Outline020_523  ..<+ :Outline020_623  ..<+ :Outline020_723  ..<+ :Outline020_823  ..< :Outline037_123  < :Outline037_223  < :Outline037_323  < :Outline037_423  < :Outline037_523  < :Outline037_623  < :Outline037_723  < :Outline037_823  < :Outline037_923  < :Outline038_123  < :Outline038_223  < :Outline038_323  < :Outline038_423  < :Outline038_523  < :Outline038_623  < :Outline038_723  < :Outline038_823  < :Outline038_923   359=AEIMQ1.P....... 35;AGMSY_2a.a.i.1.a.i.1.a.i. 35;AGMSY_31.a.i.1.a.i.1.a.i. 359=AEIMQ4.........(\ Y`Symbol\  `&Times New Roman.i.i..(hCEKQW]cioAutoList6a.a.a.a.a.a.a.a.a.(hCEKQW]cioAutoList71.1.1.1.1.1.1.1.1.(hCEKQW]cioAutoList81.1.1.1.1.1.1.1.1.( CEKQW]cioAutoList9A.A.A.A.A.A.A.A.A.(գEGMSY_ekqAutoList101.1.1.1.1.1.1.1.1.(:EGMSY_ekqAutoList11A.A.A.A.A.A.A.A.A.(JEGMSY_ekqAutoList12A.A.A.A.A.A.A.A.A.6/ 4Heading 1&&&    &&&20Caption &&& U=Thin Bottomdxd(EGMSY_ekqAutoList131.1.1.1.1.1.1.1.1.(EGMSY_ekqAutoList14a.a.a.a.a.a.a.a.a.(%EGMSY_ekqAutoList15a.a.a.a.a.a.a.a.a.(5EGMSY_ekqAutoList16a.a.a.a.a.a.a.a.a.<%%:Definition T US XXX UK <li:Definition L US XXX , ;1PPP|, 4<D ";  8.$$|, 4<D "8 UK (EEGMSY_ekqAutoList17a.a.a.a.a.a.a.a.(UEGMSY_ekqAutoList18a.a.a.a.a.a.a.a.(eEGMSY_ekqAutoList19a.a.a.a.a.a.a.a.(EGMSY_ekqAutoList20a.a.a.a.a.a.a.a.(w$0  0` ""0 ` "` "2  3  0 " "($0  0` ""0 ` "` "0 " "0h""2  +3  0h"h"(ZR$0  0` ""0 ` "` "0 " "0h""0h"h"2  3  0""(7$0  0` ""0 ` "` "0 " "0h""0h"h"0""2  x3  0p""($0  0` ""0 ` "` "0 " "0h""0h"h"0""0p""2  3  0p"p"ikmoh}EGKOSW[_cAutoList22!!!!!!!!)1)a)(EEGMSY_ekqAutoList23a.a.a.a.a.a.a.a.(UEGMSY_ekqAutoList24a.a.a.a.a.a.a.a.(eEGMSY_ekqAutoList25a.a.a.a.a.a.a.a. a.(uEGMSY_ekqAutoList26a.a.a.a.a.a.a.a.a.(EGMSY_ekqAutoList27a.a.a.a.a.a.a.a.a.2J+J 0_level2  X 2( & ~ .6> 223  ..  2(v v& ~ .6> 2  2J+J 0_level3   2( & ~ .6> 223  ..  2(v v& ~ .6> 2  2G+J 0_level4   /%& & & ~ .6> /23  ..  2(v v& ~ .6> 2  2G+J 0_level5   /%R R R ~ .6> /23  ..  2(v v& ~ .6> 2  2D+J 0_level6   ,"~ ~ ~ .6> ,23  ..  2(v v& ~ .6> 2  2D+J 0_level7  4 ," .6> ,23  ..  2(v v& ~ .6> 2  2A+J 0_level8  ` ) .6> )23  ..  2(v v& ~ .6> 2  2A+J 0_level9   ) .6> )23  ..  2(v v& ~ .6> 2  2MJ 0_levsl1  , 5+ & ~ .6> 523  Ԁ  2(v v& ~ .6> 2  2JJ 0_levsl2  X 2( & ~ .6> 223  Ԁ  2(v v& ~ .6> 2  2JJ 0_levsl3   2( & ~ .6> 223  Ԁ  2(v v& ~ .6> 2  2GJ 0_levsl4   /%& & & ~ .6> /23  Ԁ  2(v v& ~ .6> 2  2GJ 0_levsl5   /%R R R ~ .6> /23  Ԁ  2(v v& ~ .6> 2  2DJ 0_levsl6   ,"~ ~ ~ .6> ,23  Ԁ  2(v v& ~ .6> 2  2DJ 0_levsl7  4 ," .6> ,23  Ԁ  2(v v& ~ .6> 2  2AJ 0_levsl8  ` ) .6> )23  Ԁ  2(v v& ~ .6> 2  2AJ 0_levsl9   ) .6> )23  Ԁ  2(v v& ~ .6> 2  2MJ 0_levnl1  , 5+ & ~ .6> 523   2(v v& ~ .6> 2  2JJ 0_levnl2  X 2( & ~ .6> 223   2(v v& ~ .6> 2  2JJ 0_levnl3   2( & ~ .6> 223   2(v v& ~ .6> 2  2GJ 0_levnl4   /%& & & ~ .6> /23   2(v v& ~ .6> 2  2GJ 0_levnl5   /%R R R ~ .6> /23   2(v v& ~ .6> 2  2DJ 0_levnl6   ,"~ ~ ~ .6> ,23   2(v v& ~ .6> 2  2DJ 0_levnl7  4 ," .6> ,23   2(v v& ~ .6> 2  2AJ 0_levnl8  ` ) .6> )23   2(v v& ~ .6> 2  2AJ 0_levnl9   ) .6> )23   2(v v& ~ .6> 2  <zp :Body Text I2 d X  US XXX  /%v v ~ .6> /2(v v& ~ .6> 2 IS   X 622 4Body Text US XXX   IS   <>> :Body Text I1   US XXX   IS    <c :Body Text In   US XXX /%v vK7  > /PFvv& ~ .6> P IS   : 8Body Text 3 US XXXC4\  `Tms RmnC5+v vv& ~ .6> 5J@vv& ~ .6> J IS S\  `&Times New RomanS<%%:Comment Refe US  IS < :Comment Text\  `Tms Rmn8_ z,kaflikafli  6III  .6ۀKAFLI     kaflanumerLevel 1Level 2Level 3Level 4Level 5F 7 #,greingreinarnCmer  83  .8ۀgr.  greinLevel 1Level 2Level 3Level 4Level 5X[ |0greinmfgrein meW fyrirs?gn  84  .8ۀgr.    RW),fjarlfjrlagaskrifstofaFjrmlarWuneyti,  fjrlagaskrifstofa ` :ll8Header Char&&&S\  `&Times New RomanSS\  `&Times New RomanS("$ !  ($<c=C<< c !ISUS.,,,..TRW6&A4X3' Letter 6&A43'LetterTXXXXTRW6&A4W6&A4 6&A4 6&A4T ?  XX-?vbX-#ggdd  8 dd8ISIS,.      _ _ikmo(JT03q57 Xingskjal1169"731.ml.      m Frumvarptillaga/# mm#  XX umbreytingulgumnr.87/1992,umgjaldeyrisml,   meWsWaribreytingum(rUmkunheimilda,  r aukiWeftirlit,hkkunsektao.fl.).# XX#    X    1 (LagtfyrirAlYingi140.lggjafarYingi2011!2012.)     C y   ?U?' b dE" ? C      1.gr.   ?  EftirfarandibreytingarverWa13.gr.blaganna: |   (g00_ikmo"i(m"  i(mM 2g  a  .3  Ԉ0    eftirorWunum?fWstilframfrslu 2.mlsl.2.mgr.kemur:hanserlendis.i(mM z ݌oG  Ќ  "i(m"  i(m 2g  b  .3  Ԉ0    0staWorWsins?3.000.000 3.mlsl.2.mgr.kemur:6.000.000.i(m ݌: Ќ  "i(m"  i(m 2g  c  .3  Ԉ0    0staWorWsins?6.000.000 3.mlsl.2.mgr.kemur:12.000.000.i(m ݌ Ќ  "i(m"  i(m 2g  d  .3  Ԉ0    0staWorWsins?2.000.000 3.mlsl.2.mgr.kemur:4.000.000.i(m ݌ Ќ  "i(m"  i(m 2g  e  .3  Ԉ0    eftir3.mlsl.2.mgr.kemurnUrmlsliWur,svohlj;Wandi:HafierlenduraWilifullnUtt s framfrsluheimildsamkvmtkvWiYessugeturviWkomandiaWilis;ttumundanYgu f> tilSeWlabanka0slands,sbr.13.gr.o,vegnahkkunarframfrsluheimild.i(m 8݌1  Ќ  "i(m"  i(m42g  f  .3  Ԉ0    eftirorWunum?eigueinstaklings 4.mlsl.2.mgr.kemur:semererlenduraWili.i(m4a݌ Ќ  "i(m"  i(mv2g  g  .3  Ԉ0    eftirorWunum?lgumYessum 1.tlul.3.mgr.kemur:aWrarenvegnavruog  Yj;nustuviWskipta.i(mv݌j Ќ  "i(m"  i(m2g  h  .3  Ԉ0    eftirorWunum?semekki 2.tlul.3.mgr.kemur:eigaaW.i(m݌]5 Ќ  "i(m"  i(m2g  i  .3  Ԉ0    0staWorWsins?gjaldmiWli 2.tlul.3.mgr.kemur:gjaldeyri,sbr.brWabirgWakvWi ( II.i(m=݌ Ќ  "i(m "  i(mw2g  j  .3  Ԉ0    OrWin?SeWlabanki0slandsmeturgildatiltryggingarviWskiptumviWbankannsam  kvmtreglumumviWskiptifjrmlafyrirtkjaviWSeWlabanka0slands,og 3.tlul.3. a mgr.fallabrott.i(mw݌T,  Ќ  "i(m "  i(mX2g  k  .3  Ԉ0    ViWbtasttvrnUjarmlsgreinar,svohlj;Wandi:  i(mX݌! Ќ  0  0   v #  -#Reikningarerlendrafjrmlafyrirtkjainnlendumgjaldeyri(Vostroreikningar) " teljastekkitilreikningahjfjrmlafyrirtkihrlandi,sbr.skilyrWi1.!3.tlul.3. # mgr: X$ 0  0   v SeWlabanka0slandserheimiltaWsetjareglurumundanYgurfrtakmrkunum2.og K!#% 3.mgr.,sbr.13.gr.o."&   2.gr. #(   EftirfarandibreytingarverWa13.gr.claganna: w$O ) ! ! (g00 "i(m"  i(m2g  a  .3  Ԉ0    eftirorWunum?samkvmtkvWum 1.mlsl.2.mgr.kemur:13.gr.f.i(m)݌B%!* Ќ  "i(m"  i(m02g  b  .3  Ԉ0    eftirorWunum?innlendraaWila 2.mlsl.2.mgr.kemur:Yarseminnlendurgjaldeyr  &!+ irerhlutiafviWskiptunum.i(m0]݌&", Ќ  "i(m"  i(m2g  c  .3  Ԉ0    eftirorWunum?13.gr.k 1.mlsl.3.mgr.kemur:vegnaslkragreiWslnatilerlendra '{#- aWila.i(m݌#n(F$. #Ќ  "i(m"  i(m 2g  d  .3  Ԉ0    eftirorWunum?fWstilframfrslu 2.mlsl.3.mgr.kemur:hanserlendis.i(m ? ݌( Ќ  "i(m"  i(mN!2g  e  .3  Ԉ0    0staWorWsins?3.000.000 3.mlsl.3.mgr.kemur:6.000.000.i(mN!{!݌ Ќ  "i(m"  i(my"2g  f  .3  Ԉ0    0staWorWsins?6.000.000 3.mlsl.3.mgr.kemur:12.000.000.i(my""݌ Ќ  "i(m"  i(m#2g  g  .3  Ԉ0    0staWorWsins?2.000.000 3.mlsl.3.mgr.kemur:4.000.000.i(m##݌a Ќ    3.gr.  $  EftirfarandibreytingarverWa13.gr.dlaganna:  ! ! (g00"i(m"  i(m&2g  a  .3  Ԉ0    OrWin?innlendraaWila 1.mlsl.1.mgr.fallabrott.i(m&-&݌  Ќ  "i(m"  i(m '2g  b  .3  Ԉ0    OrWin?nemasamkvmtsrstakriheimildlgumYessum 1.mlsl.1.mgr.fallabrott.i(m 'M'݌ X Ќ  "i(m"  i(m_(2g  c  .3  Ԉ0    eftirorWinu?ttektir 2.mlsl.1.mgr.kemur:erlendsgjaldeyris.i(m_((݌K #  Ќ  "i(m"  i(m)2g  d  .3  Ԉ0    0staWorWsins?gjaldeyririnn 1.mlsl.1.tlul.2.mgr.kemur:erlendigjaldeyririnn.i(m))݌   Ќ  "i(m"  i(m*2g  e  .3  Ԉ0    0staWorWanna?upphWsemsamsvararmeiraen 2.tlul.2.mgr.kemur:alltaWjafn    virWi.i(m*+݌  Ќ  "i(m"  i(m:,2g  f  .3  Ԉ0    OrWin?kaupeWattektardegi 2.tlul.2.mgr.fallabrott.i(m:,g,݌wO  Ќ  "i(m"  i(mc-2g  g  .3  Ԉ0    eftirorWunum?kaupeWattekt 4.tlul.2.mgr.kemur:erlenda.i(mc--݌B  Ќ  "i(m"  i(m.2g  h  .3  Ԉ0    eftirorWunum?ferWskal 3.mgr.kemur:erlendum.i(m..݌   Ќ  "i(m"  i(m/2g  i  .3  Ԉ0    0staWorWsins?tveggja 3.mgr.kemur:Yriggja.i(m//݌  Ќ  "i(m "  i(m02g  j  .3  Ԉ0    ViW4.mgr.btist:YeimtilgangiaWnUtaYannerlendagjaldeyritilvruogYj;nustu {  viWskipta.i(m01݌nF Ќ    4.gr.  D2  EftirfarandibreytingarverWa13.gr.elaganna:  ! ! (g00 "i(m"  i(ms32g  a  .3  Ԉ0    0staWorWanna?tveggjavikna 3.mlsl.1.mgr.kemur:sexmnaWa.i(ms33݌r Ќ  "i(m"  i(m42g  b  .3  Ԉ0    ViW1.mgr.btistnUrmlsliWur,svohlj;Wandi:MeWanfresturtilaWendurfjrfestaeraW e= lWaskulufjrmunirskv.3.mlsl.undanYegnirkvWi13.gr.l.i(m44݌0 Ќ    5.gr.  S6  EftirfarandibreytingarverWa13.gr.flaganna: i ! ! (g00"i(m"  i(m72g  a  .3  Ԉ0    eftir2.mlsl.2.mgr.komafj;rirnUirmlsliWirsemorWastsvo:XeimaWilumsemfjr \4 festhafameWerlendumgjaldeyrifasteign,semstaWsettererlendis,fyrir28.n;vember ' 2008erheimiltaWendurfjrfesta.NerufjrmunirsemlosnaviWslueWagreiWslu  tj;nab;taslkrarfasteignar,nUttirheildeWahlutatilaWfjrfestaafturannarrifasteign  innansexmnaWaogtelstYaWYendurfjrfestingskilningi3.mlsl.MeWanfresturtil `  aWendurfjrfestaeraWlWaskulufjrmunirskv.4.mlsl.undanYegnirkvWi13.gr.l. S+! LeigutekjurseminnlenduraWilifraffasteignsinnierlendiserheimiltaWnUtatilaW " greiWafyrirrekstrarkostnaWafYeirrifasteign,Yrttfyrir13.gr.l.i(m77݌# Ќ  "i(m"  i(m<2g  b  .3  Ԉ0    eftir2.mlsl.3.mgr.komaYrrnUirmlsliWirsemorWastsvo:XeimaWilumsemfjr  $ festhafameWerlendumgjaldeyrivlknnukutki,semstaWsettererlendis,fyrir28. !W% n;vember2008erheimiltaWendurfjrfesta.NerufjrmunirsemlosnaviWslueWa J""& greiWslutj;nab;taslksvlkninskutkis,nUttirheildeWahlutatilaWfjrfestaWru #' vlknnukutkiinnansexmnaWaogtelstYaWYendurfjrfestingskilningi3.mlsl. #( MeWanfresturtilaWendurfjrfestaeraWlWaskulufjrmunirskv.3.mlsl.undanYegnir $ ) kvWi13.gr.l.i(m<G<݌v%N!* Ќ  "i(m"  i(m?2g  c  .3  Ԉ0    ViWbtistnUmlsgrein,svohlj;Wandi:  i(m?!@݌A&"+ Ќ  0  0   v #  @#XrttfyrirkvWi3.mgr.skaleinstaklingumsemteljasttilinnlendraaWilaheimilt  '", aWkaupaogflytjainneittfarartkierlendisfralmanaksrifyriralltaWjafnvirWi '#- 10.000.000kr.endasfarartkiWtlaWtileiginnotainnanlands.GjaldeyrisviWskipti ( ogfjrmagnshreyfingargrundvelliYessakvWiseruhWarYvskilyrWiaWtilkynning  umka&  upinhafihlotiWstaWfestinguSeWlabankans.SeWlabankinnseturnnarireglurum  '`CframkvmdYessakvWis.a   6.gr.  /D  EftirfarandibreytingarverWa13.gr.glaganna:  ! ! (g00"i(m"  i(m^E2g  a  .3  Ԉ0    OrWin?lntkurog 1.mlsl.2.mgr.fallabrott.i(m^EE݌  Ќ  "i(m"  i(mwF2g  b  .3  Ԉ0    eftirorWinu?lnveitingar 1.mlsl.2.mgr.kemur:innlendraaWilatilerlendraaWila.i(mwFF݌ X Ќ  "i(m"  i(mG2g  c  .3  Ԉ0    ViWbtistnUmlsgrein,semverWur3.mgr.,svohlj;Wandi:i(mGG݌K #  Ќ  0  0   v Xrttfyrir1.mgr.skululntkurinnlendraaWilahjerlendumaWilumerlendum    gjaldeyrisemuppfyllaeftirfarandiskilyrWiveraheimilar:   ! ! (g00"m"  mJ0  0xx 2g  1  .3  Ԉ0v  Lnstmiseigiskemmrientvr.mJJ݌ vv Ќ  "m"  mK0  0xx 2g  2  .3  Ԉ0v  GjaldeyrisyfirfrslurvegnalnsinssusamrmiviWkvWi13.gr.l.mKK݌wO vv Ќ  "m"  mM0  0xx 2g  3  .3  Ԉ0v  Lnasamningar,Y.m.t.allirviWaukarogfylgiskjl,susendirtilYessfjrmlafyrir B  tkissemannastfjrmagnshreyfingar,innanvikufrundirskriftslkrasamninga.mM4M݌  vv Ќ    7.gr. {  N  ViW13.gr.ilagannabtistviWnUmlsgrein,svohlj;Wandi: nF   SeWlabanka0slandserheimiltaWsetjareglursemkveWaumundanYgurfrbanni1. 9 mgr.,sbr.13.gr.o.    8.gr. r *P  EftirfarandibreytingarverWa13.gr.jlaganna: e= ! ! (g00"i(m"  i(mYQ2g  a  .3  Ԉ0    0staWorWsins?reglum 1.mlsl.1.mgr.kemur:lgum.i(mYQQ݌0 Ќ  "i(m"  i(m}R2g  b  .3  Ԉ0    0staWorWanna?sbr.1.mgr. 1.mlsl.1.mgr.kemur:sbr.2.mgr.i(m}RR݌ Ќ  "i(m"  i(mS2g  c  .3  Ԉ0    ViWbtasttvrnUjarmlsgreinar,svohlj;Wandi:  i(mSS݌ Ќ  0  0   v #  T#EingreiWsluroggreiWslurvegnagjaldfellingaeWagjaldYrotaskiptateljastekkitil i samningsbundinnaafborganaskilningi1.mgr.\4   0  0   v #  V#GjaldeyrisviWskiptiogfjrmagnshreyfingarmillilandavegnagreiWslnasamkvmt ' kvWiYessuskuluhafahlotiWstaWfestinguSeWlabanka0slandsWurenYrerufram  kvmdar.SeWlabanki0slandsseturreglurumframkvmdYessakvWis.   9.gr. S+! W  EftirfarandibreytingarverWa13.gr.klaganna: " ! ! (g00"i(m"  i(m Y2g  a  .3  Ԉ0    0staWorWsins?reglum 1.mlsl.2.mgr.kemur:lgum.i(m Y8Y݌# Ќ  "i(m"  i(m/Z2g  b  .3  Ԉ0    0staWorWanna?sbr.1.mgr. 1.mlsl.2.mgr.kemur:sbr.2.mgr.i(m/Z\Z݌ $ Ќ    10.gr. J""& a[  0staWorWanna?13.gr.m 1.og2.mgr.13.gr.nlagannakemur:13.gr.l. #'   11.gr. $ ) \  EftirfarandibreytingarverWa14.gr.laganna: v%N!* ! ! (g00"i(m"  i(mF]2g  a  .3  Ԉ0    OrWin?umgjaldeyrisviWskipti 1.mlsl.fallabrott.i(mF]s]݌A&"+ Ќ  "i(m"  i(me^2g  b  .3  Ԉ0    eftir1.mlsl.komatveirnUirmlsliWirsemorWastsvo:SkiptirekkimliYv  '", sambandihvortupplUsingarnarvarWaYannaWilasembeiWninnierbeinttileWaYauskipti '#- annarraaWilaviWhannerhanngeturveittupplUsingarumogvarWaathuganirogeftirlit ( &  SeWlabankans.LagakvWiumYagnarskyldutakmarkaekkiskyldutilYessaWveita  upplUsingarogaWgangaWggnum.'p`i(me^^݌ Ќ    12.gr. T, oa  EftirfarandibreytingarverWa15.gr.alaganna:  ! ! (g00"i(m"  i(mb2g  a  .3  Ԉ0    ViW1.mgr.btistnUrtluliWurerverWur8.tlul.,svohlj;Wandi:SkilyrWumsemSeWla  banki0slandshefursettfyrirveitinguundanYgugrundvelli13.gr.o,sbr.7.gr.i(mbb݌  Ќ  "i(m"  i(m[d2g  b  .3  Ԉ0    0staWorWanna:?20millj.kr. 1.mlsl.2.mgr.kemur:65millj.kr.i(m[dd݌ X Ќ  "i(m"  i(me2g  c  .3  Ԉ0    0staWorWanna:?75millj.kr. 2.mlsl.2.mgr.kemur:250millj.kr.i(mee݌K #  Ќ    13.gr.    f  LgYessiWlastYegargildi.   @ #dggAthugasemdirviWlagafrumvarpYetta.#ggdVgԈ B   I.TilefniognauWsynlagasetningar.       ReglurumgjaldeyrismlsemsettarvorukjlfarhrunsinshfWuYaWaWmarkmiWiaWtak   markatmabundiWfjrmagnshreyfingarmillilanda,semvaldiWgtu;stWugleikagjald {  eyrismlum,meWanunniWvriaWendurreisnslensksefnahagslfsogfjrmlakerfis. nF GjaldeyrisviWskiptiertengdustalmennumviWskiptummeWvruogYj;nustuskylduhins 9 vegarverafrjls,nemameWrfumundantekningumtilfellumYarsemnauWsynlegteraW  takmarkaviWskiptiYvskyniaWstemmastiguviWsniWgngu.    TmisfjrmagnsviWskiptimillilandaeruhinsvegarekkiYesseWliseWasvost;rsniWum r aWlklegtsaWYauvaldi;stWugleika,aukYesssemhftumfjrmagnshreyfingarfylgir e= mkr;hagfrWilegurkostnaWurog;YgindifyrirborgaranasemstWaertilaWlgmarka. 0 XvgetaveriWrkfyrirYvaWheimilafjrmagnshreyfingarafkveWnutagi,annaWhvortmeW  almennriheimildeWameWundanYgum.ViWveitinguundanYgaYarfaWvegaogmetahags  muniviWkomandiaWilaannarsvegarogYj;WhagsleghrifundanYgunnarhinsvegar,bWi i afhverriundanYgufyrirsigogYvfordmisemhngefur.UndanYguferliWgeturveriW \4 nokkuWtafsamtogfelur;hjkvmilegasrkostnaW. '   SeWlabankinnogefnahagsogviWskiptarWuneytiWteljaeWlilegtaWendurmetareglulega  Yrfinafyrirtakmarkanireinstkumtegundumfjrmagnshreyfingalj;sireynslunnaraf  lgumumgjaldeyrismlogreglumSeWlabankans,semsettarvorugrundvelliYeirrauns `  regluverkiWvarfrtinnlggjfina30.september2011.BreytingarYrsemlagWarerutil S+! meWfylgjandifrumvarpitillagaerurangurslksendurmats.XrerueinnigsamrmiviW " samkomulagmillistj;rnarogstj;rnarandstWu,semgertvartengslumviWlgfestingu # reglnaumgjaldeyrismlvoriW2011,YessefnisaWleitaWskyldileiWatilYessaWdragar  $ ;Ygindumerfylgjaframkvmdgjaldeyrishafta. !W%   0meWfylgjandifrumvarpierm.a.tekiWmiWafveitinguundanYgasl.Yrjr.UndanYgur J""& gefavsbendinguumhvaWakvWiYrengihelstaWathafnafrelsieinstaklingaogfyrirtkja #' aW;sekju.JafnframthefurveriWlitiWtilYeirrarreynslusemeftirlitiWhefurafsniWgnguer #( tengisttilteknumkvWumlaganna.SniWgnguhttanervallttilstaWarYegarreglurumtil $ ) teknartegundirfjrmagnshreyfingaerurUmkaWarundanWrum.RtteraWhafahugaaW v%N!* Y;ttlgumumgjaldeyrismlseinkumtlaWaWtakmarkast;rarfjrmagnshreyfingargetur A&"+  sniWgangafalistYvaWsafnamrgumsmumhreyfingumsemtilsamansverWast;rarhreyf  '", ingar.& a  JafnframtgetursniWganga,Y;tthnsekkist;rsniWum,grafiWundanvirWingufyrir ( lgumogreglumogUttYannig;beintundirsniWgnguYarsemstrrifjrhWireruhfi.  'a(u  X;tttillgumsemhrerulagWarframsreyntaWtakamiWafsniWgnguhttunnierekki  tilokaWaWeinhverjumtilvikumaukisthttasniWgngu,enYaWermatSeWlabankansaW a httanverWiinnansttanlegramarka.JafnframterrttaWhafahugaaWeftirYvsemtl T, unumlosungjaldeyrishaftavindurframogstofn;stWugrakr;nueignaminnkardregur  vntanlegarhvatanumtilsniWgngu.XvmreiknameWaWhttanverWismmsaman  minnierframlWastundir.    II.Meginefnifrumvarpsins.  K #    HelstubreytingarsemlagWarerutilfrumvarpinuogmiWaaWrUmkuntakmarkanaeru    hkkunframfrsluheimilda,rUmkun_endurfjrfestingaheimilda_,frekariheimildirtilgjald    eyrisviWskiptatengslumviWatvinnustarfsemiogrUmkunheimildtilerlendrarlntku.X   ergertrWfyrirheimildfyririnnlendaaWilatilkaupafarartkitileiginnotainnanlands. wO  ErheimildintakmrkuWviWeittfarartkialmanaksrifyriralltaWjafnvirWi10millj.kr.Til B  aWkomavegfyrirmisnotkuneruviWskiptinjafnframthWstaWfestinguSeWlabankans.Jafn    framterSeWlabankanumveittarheimildirtilYessaWsetjareglursemkveWaumundanYgur   frkveWnumtakmrkunumlaganna.XannigerSeWlabankanummgulegtaWlosaum {  kveWnartakmarkanireinsogaWstWurleyfahverjusinni,eneinnigaWbregWastviWmeW nF skj;tumhtti,komilj;saWYrundanYguropni_sniWgngumguleika_ԀeWamisnotkun. 9   XerfrumvarpinueinniglagttilaWframkvmdeftirlitsmeWgjaldeyrisviWskiptumvegna  greiWslnavaxta,verWb;ta,arWsogsamningsbundinnaafborganaverWihertogalmennheimild  SeWlabankanstilupplUsingaflunarYgueftirlitsrUmkuWtilsamrmisviWheimildbankans r tilaWaflaupplUsingaYguranns;kna.JafnframterlagttilaWfjrhWarmrkvegnastj;rn e= valdssektasemSeWlabanka0slandserheimiltaWleggjavegnabrotakvWumlagannaeWa 0 reglumsettumgrundvelliYeirraverWihkkuW.FelurYaWsraW_hmarkssektir_Ԁeinstak  lingahkkar20millj.kr.65millj.kr.ogfyrirtkir75millj.kr.250millj.kr.Xer  SeWlabankanumeinnigfenginheimildtilaWbeitastj;rnvaldssektumYeimtilfellumsem i brotiWergegnskilyrWumsemsetterufyrirveitinguundanYgafrtakmrkunumlaganna. \4   SeWlabankinnhefurkannaWleiWirtilYessaWlosaumhftbeinarerlendarfjrfestingar, ' ensamkvmttlunumlosungjaldeyrishaftaverWurlosaWumhftbeinaerlendafjrfest  ingu,WurennnurfjrmagnsviWskiptiverWagefinfrjls,Yegarannarfangitlunarinnar  hefst,Y.e.verWiekkitaliW;httaWlosaumllhfteinumfanga.kveWiWvaraWleggja `  ekkitilaWheimilasrstaklegabeinaerlendafjrfestinguaWYessusinni.Hinsvegarhafa S+! undanYgurveriWveittartiltlulegagreiWlegaYeimtilvikumseminnlendtflutningsfyrir " tkigetarkstuttaWaukinerlendstarfsemisnauWsynlegtilaWstyWjaviWtflutningsstarf # semi.AWaukikemurtillitaaWeftirspurneftirerlendumgjaldeyritilbeinnarfjrfestingar  $ verWibeintinntboWSeWlabankansYegarframlWastundir. !W%  III.AlYj;Wlegarskuldbindingar.  #'   MeWlgumnr.134/2008,erbreyttulgumnr.87/1992,umgjaldeyrisml,varSeWlabanka #( 0slandsveitttmabundinheimildtilaWsetjareglur,meWsamYykkiefnahagsogviWskiptarW $ ) herra,tilaWtakmarkaeWastWvatmabundiWtilteknaflokkafjrmagnshreyfingaoggjaldeyr v%N!* isviWskiptivegnaYeirra.0athugasemdummeWlgumnr.134/2008erfjallaWumhvernig A&"+ YessiheimildsamrmistalYj;Wlegumskuldbindingum0slandstengslumviWsamninginn  '", umEvr;pskaefnahagssvWiW(EES),samYykktirEfnahagsogframfarastofnunarEvr;pu '#- _(OECD)umafnmhaftaYj;nustuogfjrmagnshreyfingar(e.CodesofLiberalisationof ( CurrentInvisibleOperationsandCapitalMovements)ogAlYj;WaviWskiptastofnunina  (WTO).    AllarbreytingarlgumumgjaldeyrismlogreglumsettumgrundvelliYeirraervarWa a gjaldeyrishfthafaveriWtilkynnarsameiginleguEESnefndinnisamrmiviW45.gr.EES T, samningsins.XhefurfjrfestinganefndOECDveriWtilkynntumbreytingarnarsamrmi  viWYj;Wrttarlegarskuldbindingar.   IV.SamrW.   X   FrumvarpiWersamiWsamvinnuefnahagsogviWskiptarWuneytisinsogSeWlabanka0s K #  landssemfermeWframkvmdlagaumgjaldeyrisml.FrumvarpiWerlagtframsemliWur    tlunumlosungjaldeyrishaftasemSeWlabanki0slandsbirtiYann25.mars2011.     V.Mathrifum.  wO    FrumvarpinuertlaWaWlosaumkveWnartakmarkanirsemlgumgjaldeyrismlsetja B  viWfjrmagnshreyfingummillilandaoggjaldeyrisviWskiptumYeimtengdum.ErYarbWi    horfttilYessaWlosaumtakmarkanirsemgildaumeinstaklingaoglgaWila.   @ AthugasemdirviWeinstakargreinarfrumvarpsins. nF   Um1.gr. 9   0greininnierulagWartilnokkrarbreytingar13.gr.blgunum.    AliW1.gr.frumvarpsinsertlaWaWtakaafallanvafaumaWheimildin2.mlsl.2.mgr.,  YarsemkveWiWerumaWeinstaklingisemererlenduraWilisheimiltaWflytjaterlendan r gjaldeyrivegnaframfrslu,takmarkistviWYaWaWfjrmunirsutlaWirtilYessaWmta e= framfrsluerlendaaWilanserlendis. 0   0b!dliWerlagttilaWheimilderlendraaWilatilaWkaupaerlendangjaldeyrihjfjrmla  fyrirtkihrlandiogflytjatYannerlendagjaldeyrivegnaframfrslusinnarerlendis  verWirUmkuW.ViWframkvmdlagaumgjaldeyrismlhefurkomiWlj;saWfjldibeiWnaum i undanYgurfrviWkomandikvWiermikill,YannigaWfjrhWframfrsluheimildarinnar \4 semerlgunumerfulllgogerYvlagttilaWhnverWihkkuW. '   0eliWerrttaWursmguleikierlendraaWilaaWhgtsaWskjaumundanYgusam  kvmtalmennuundanYgukvWi13.gr.o,sbr.7.gr.laganna,Yegarframfrsluheimild  hefurveriWfullnUtt. `    XerfliW,lktogaliW1.gr.,tlaWaWtakaafallanvafaumaW4.mlsl.2.mgr.,Yarsem S+! kveWiWerumheimildeinstaklingstilaWflytjaterlendangjaldeyrisumYaWaWrWaaW " fjrmunirnirsuandvirWislysab;taeWaarfssemtmsthefurviWdnarbsskipti,eigiaWeins # viWumerlendaaWila.  $   0gliWerulagWartilbreytingarkvWi1.tlul.3.mgr.13.gr.b,enumeraWrWaorWa !W% lagsbreytingarenekkiefnislegarbreytingarkvWinusemslku. J""&   HliWertlaWaWtakaafallanvafaumaWkvWiWopniekkiheimildtilYessaWerlendir #' aWilargetigreittmeWinnlendumgjaldeyrifyrirviWskiptimeWvruogYj;nustu,nnurenYau #( sem2.tlul.tekurtil.XeriliWtlaWaWtakaafallanvafaumaWekkisheimiltaWgreiWa $ ) fyrirtflutningsviWskiptimeWvruogYj;nustuinnlendumgjaldeyri. v%N!*   0jliWerlagttilaWgerWarverWibreytingar3.tlul.3.mgr.13.gr.bYleiWaWundan A&"+ tekningkvWisinsumbannviWfjrmagnshreyfingummillilanda,niannarsvegartilfjr  '", festingafasteignumhrlandisemogallrafjrmlagerningasemtgefnireruinnlendum '#- gjaldeyri,aWYvtilskylduaWgreiWslaeigisrstaWafreikningieigukaupandahjfjrmla ( fyrirtkihrlandi.ErkvWinutlaWaWleiWrttamistksemttusrstaWYegarreglurnr.  370/2010,umgjaldeyrisml,vorulgfestarmeWlgumnr.127/2011,umbreytingulgum  umgjaldeyrisml,tollalgumoglgumumSeWlabanka0slands.ErYvlagttilaWheimildin a verWivkkuWt,tilsamrmisviWYaWsemkveWiWvarum3.tlul.3.mgr.2.gr.reglnanr. T, 370/2010,umgjaldeyrisml,ogverWibundinviWallafjrmlagerningasemtgefnireru  innlendumgjaldeyri,enekkieingngubundinviWfjrmlagerningasemSeWlabanki0slands  meturgildatiltryggingarviWskiptumviWbankannsamkvmtreglumumviWskiptifjrmla   fyrirtkjaviWSeWlabanka0slandsogtgefnireruinnlendumgjaldeyri.  X   0kliWerlagttilaWviW13.gr.bverWibtttveimurnUjummlsgreinum.Annarsvegar K #  YessefnisaWreikningarerlendrafjrmlafyrirtkjainnlendumgjaldeyri(Vostro    reikningar)teljistekkitilreikningahjfjrmlafyrirtkihrlandi,sbr.skilyrWiundanYga    1.!3.tlul.3.mgr.13.gr.boghinsvegaraWSeWlabankanumverWiveittheimildtilYessaW   gefatreglursemveitaundanYgurfrtakmrkunum2.og3.mgr.UndanYgan,semfyrstu wO  komframleiWbeiningumSeWlabanka0slandviWreglurumgjaldeyrismlersWarvoru B  lgfestarogheimilarviWskiptimeWfjrmlagerningasemSeWlabanki0slandsmeturgildatil    tryggingarviWskiptumviWbankannsamkvmtreglumumviWskiptifjrmlafyrirtkjaviW   SeWlabanka0slands,YegarumeraWrWagreiWsluinnlendumgjaldeyrimeWttektafreikn {  ingumeiguerlendrafjrmlafyrirtkja(Vostroreikninga)kemurnframathugasemdum nF greinargerWmeWfrumvarpiYvsemvarWaWlgumnr.127/2011,umbreytingulgumum 9 gjaldeyrisml,tollalgumoglgumumSeWlabanka0slands.Slktfyrirkomulager;heppilegt  ogskaparkveWna;vissuumtilvistundanYgunnar.ErYvlagttilaWSeWlabanki0slandshafi  heimildtilaWsetjareglurerveitaundanYgurfr2.og3.mgr.13.gr.bengrundvllur r fyrrgreindrarundanYguvriYfundinnslkumreglum. e=   Um2.gr.  U  MeWgreininnierulagWartilnokkrarbreytingar13.gr.c.    MeWaliWerlagttilaWgjaldeyrisviWskipti,YarseminnlendurgjaldeyrirerhlutiafviW i skiptunum,vegnafjrmagnshreyfingasemuppfyllaskilyrWi13.gr.f,suheimiluW.Ngild \4 andilggerarWfyriraWeinungisfjrmagnshreyfinginsheimilsemleiWirtilYessaWaWilar ' semuppfyllaskilyrWi13.gr.fhafaYurftaWeigaerlendangjaldeyritilYessaWgetanUttsr  undanYguna.    BliWertlaWaWtakaafallanvafaumaWgjaldeyrisviWskiptivegnavruogYj;nustuviW `  skiptamillitveggjainnlendraaWila,Yarsemeinumerlendumgjaldeyrierskiptfyrirannan S+! erlendangjaldeyrioginnlendurgjaldeyrirerekkihlutiafviWskiptunum,suheimil. "   XercliWtlaWaWtakaafallanvafaumaWheimildinnlendraaWilatilkaupaerlendum # gjaldeyrigrundvelli13.gr.jogkshWYvskilyrWiaWgjaldeyrisviWskiptinsugerWvegna  $ slkragreiWslnatilerlendraaWila. !W%   0dliWerulagWartilbreytingarorWalagitilrttingar,enbreytingarnarfelaekkisr J""& efnislegarbreytingar. #'   MeWe!fliWerulagWartilbreytingarYeimfjrhWarmrkumsemgildaumheimildtil #( gjaldeyrisviWskiptavegnaframfrsluerlendraaWilaerlendis.Umfrekariumfjllunvsasttil $ ) athugasemdaviWb!dliW1.gr.frumvarpsYessa. v%N!*   A&"+   & a  Um3.gr. (   MeWa!jliWerulagWartilbreytingarkvWi13.gr.d.BreytingarYessarfelasrbreyt  ingarorWalagitilskUringarogfelaYvekkisr'a(*efnislegarbreytingarkvWinu.X;er  iliWkveWiW&  ԀumaWfresturtilaWskilaferWamannagjaldeyri,verWiekkiaffyrirhugaWriferW, a lengistr'tveimurvikumYrjr. T,   Um4.gr.    0kvWi13.gr.egildandilagaerkveWiWumaWaWilumsemfjrfesthafaframseljan   legumfjrmlagerningumtgefnumerlendumgjaldeyrifyrir28.n;vember2008sheimilt  X aWendurfjrfesta.MeWendurfjrfestinguskilningikvWisinserttviWfjrmunisemlosna K #  viWslueWauppgreiWslueWafallatilvegnaarWogvaxtagreiWslnaafslkumgerningumog    nUttireruheildeWaaWhlutatilaWfjrfestahverskonarerlendrifjrfestinguinnantveggja    vikna.0aliWerlagttilaWheimild1.mgr.13.gr.egildandilagatilendurfjrfestingarverWi   lengdrtveimurvikumsexmnuWi.ErYvumaWrWatluverWarUmkunfr1.mgr.13. wO  gr.engildandilaga.RkinfyrirrUmkuninnierueinkumYauaWgefaaWilum,semheimild B  hafatilendurfjrfestingarsamkvmtkvWinu,lengritmatilaWkveWahvortYeirnUtisr    heimildkvWisinstilaWendurfjrfestaenekkisWuraWgefaYeimaWilumtkifriaW   safnasamanendurfjrfestanlegumfjrmunumskilningikvWisinsalltaWsexmnuWi {  Wurenendurfjrfester.XarsembreytingingerirrWfyrirYvaWfresturtilendurfjrfestingar nF slengriensfrestursemskilaskyldukvWi13.gr.lkveWurumerlagttilbliWaWtaka 9 afallanvafaumYaWaWfjrmagniWsundanYegiWskilaskyldumeWanendurfjrfestingarfrest  ureraWlWa.    Um5.gr. e=   HeimildtilendurfjrfestingarsamkvmtlgumumgjaldeyrismlhefureingnguveriW 0 bundinviWfjrmunisemlosnaviWslueWauppgreiWslueWasemfallatilvegnaarWeWa  vaxtagreiWslnaaffjrmlagerningumsemaWilihefurfjrfestfyrir28.n;vember2008.0a  liW5.gr.frumvarpsinserlagttilaWheimildtilendurfjrfestingarverWirUmkuWogaWaWilum i semfjrfesthafameWerlendumgjaldeyrifasteignsemstaWsettererlendisverWiveittheim \4 ildtilaWendurfjrfestasluverWmtieWatj;nabturafslkrifasteignannarrifasteigninnan ' sexmnaWa.ViWrUmkuntakmarkanaumendurfjrfestinguYykirneWlilegtaWltasmu  reglurgildaumfasteignirogumframseljanlegafjrmlagerningatgefnaerlendumgjald  eyri,endasbWumtilvikumumaWrWaeignirsemfjrfestvarfyrir28.n;vember2008. `    0bliWerujafnframtlagWartilbreytingarsemveitaheimildtilendurfjrfestingarverW S+! mtisemtilfellurvegnaslueWagreiWslutj;nab;tavegnavlkninskutkissemstaWsett " ererlendis. #   XercliWlagttilaWeinstaklingarsemteljasttilinnlendraaWilaverWiheimiltaWkaupa  $ ogflytjainneittfarartkierlendisfralmanaksrifyriralltaWjafnvirWi10.000.000kr. !W% endasfarartkiWtlaWtileiginnotainnanlands.KaupineruhWYvskilyrWiaWtilkynning J""& umkaupinhafihlotiWstaWfestinguSeWlabanka0slands. #'   Um6.gr. $ )   06.gr.frumvarpsinserulagWartilbreytingarngildandi13.gr.g.EkkierulagWartil v%N!* breytingarhinualmennabannilntkumoglnveitingummilliinnlendraogerlendra A&"+ aWila,sbr.1.mlsl.1.mgr.13.gr.g.HinsvegarerulagWartilbreytingarundantekningum  '", frYvbanni,YannigaWgreintverWimilliannarsvegarlnveitingainnlendraaWilatiler '#- lendraoghinsvegarlntkuminnlendraaWilahjerlendumaWilum,sbr.Ybreytingusem ( gerWermeWaliW.    0bliWerlagttilaW& a undanYga2.mgr.13.gr.gngildandilagaverWieinungisbundinviW  lnveitingarinnlendraaWilatilerlendra,aWuppfylltumfernskonarskilyrWum,lktogkveWiW a erumngildandi'algum.Ngildandi2.mgr.13.gr.gtekurbWitillnveitingaoglntku T, enfrumvarpinuerlagttilaWYessuverWiskiptupptvraWskildarmlsgreinar.FjallarY  2.mgr.umlnveitingaren3.mgr.umlntkur.ErmeWbreytingunniveriWaWlosaum  takmarkanirinnlendraaWilatilaWtakalnhjerlendumaWilumlktognnarerlUst   athugasemdumviWcliWgreinarinnar.  X   XercliWlagttilaWinnlendumaWilumverWiveittheimildtilaWtakalnhjerlendum K #  aWilumaWuppfylltumYrennskonarskilyrWum,fyrstalagiaWlnstmiseigiskemmrien    tvr,WrulagiaWgjaldeyrisyfirfrslursusamrmiviW13.gr.logYriWjalagiaWlna    samningar,Y.m.t.allirviWaukarogfylgiskjl,susendirtilYessfjrmlafyrirtkissemann   astfjrmagnshreyfingar,innanvikufrundirskriftslkrasamninga.0lj;siYessaWinnlendum wO  aWilumhefurfrhrunireynsterfittaWskjasrfjrmgnunerlendalnsfjrmarkaWiertaliW B  mikilvgtaWopnaleiWfyrirYinnlenduaWila,semgetafengiWlnhjerlendumaWilum,til    aWtakaslkln.EkkierlagttilaWneinarfjrhWartakmarkanirverWiheimildinnlendra   aWilatilaWtakalnhjerlendumaWilumendafelaslkarlntkursrinnflWierlendum {  gjaldeyri,enY;ergertaWskilyrWiaWslkarlntkursutila.m.k.tveggjara. nF   Um7.gr.    07.gr.frumvarpsinserlagttilaWSeWlabankanumverWiveittheimildtilaWsetjareglurer  kveWaumundanYgurfrbanni1.mgr.13.gr.iviWafleiWuviWskiptumYarseminnlendur r gjaldeyrirersamningigagnvarterlendumgjaldeyri,hvortsemumeraWrWagjaldeyris e= eWaverWbrfasamningeWasamblandgjaldeyrisogverWbrfasamningseWasambrilegrafjr 0 mlagerninga.MikilvgterfyrirSeWlabankannaWhafaheimildtilaWsetjareglurumundan  YgufrframangreindubannitilafleiWuviWskiptaYegaruppgjrYeirrafert.a.m.fram  innlendumgjaldeyriendateljibankinnaWYaW;gniekkistWugleikagengisogpeningaml i um. \4   Um8.gr.    A!bliWur8.gr.frumvarpsinsYarfnastekkiskUringaenYarereingnguumlagfringar  lagatextanumaWrWa. `    0cliW8.gr.frumvarpsinserlagttilaWtveimurnUjummlsgreinumverWibttviW13.gr. S+! jngildandilaga.FyrrimlsgreininlUturaWYvhvaWfellurundirsamningsbundnaafborgun " skilningikvWisins,enreynthefurskUringukvWisinsframkvmd.HefurkvWiW # valltveriWskilgreintsvoaWeingreiWsla,greiWslavegnagjaldfellingaroggreiWslatengslum  $ viWgjaldYrotaskiptifalliekkiundirhugtakiWsamningsbundinafborgun,endaverWurekkisW !W% aWslkargreiWslurrmistinnanhugtaksinsafborgun.XaWerY;mikilvgtaWtakaafallan J""& vafaumYetta.kvWiWkemurY;ekkivegfyriraWaWrargreiWslurenYrsemkvWiWtil #' tekurfalliekkiundirhugtakiWsamningsbundinafborgun.XannigerheimildintilaWstanda #( viWsamningsbundnarafborganirfyrstogfremsthugsuWtilYessaWviWhaldaeWlileguogal $ ) mennusamningssambandimilliaWila. v%N!*   0sWarimlsgreininnierlgWtilsbreytingaWgjaldeyrisviWskiptiogfjrmagnshreyfingar A&"+ millilandavegnagreiWslnasamkvmtkvWi13.gr.jverWiaWhafahlotiWstaWfestingu  '", SeWlabanka0slandsWurenYreruframkvmdar.Lj;steraWtilkynningumtilSeWlabanka '#- 0slandsvegnagjaldeyrisviWskiptaogfjrmagnshreyfingaerlendumgjaldeyrivegnavaxta ( ogarWgreiWslnahefurveriWb;tavant,YrttfyrirtilmliYarum.XhafakveWnirmguleik  arveriWtilmisnotkunarogsniWgngusemmikilvgteraWstemmastiguviW.XykirYvnauW  synlegtaWskilyrWaslkviWskiptiviWstaWfestinguSeWlabanka0slands.Xarsemreynslahefur a skapaststaWfestingarferliSeWlabankansvegnanUfjrfestinga,sbr.13.gr.m,ergertrWfyrir T, aWYettastaWfestin&  garferliverWimeWsvipuWusniWi.LagtertilaWSeWlabanki0slandssetji  reglur'umframkvmdkvWisins.    Um9.gr.  X b  0greininnierulagWartilbreytingarkvWum2.mgr.13.gr.kenumeraWrWa K #  lagfringarlagatextanumenekkiefnislegarbreytingarkvWinu.      Um10.gr.   {  0greininnierlagttilaWbreytingarverWigerWar1.og2.mgr.13.gr.n.LagtertilaWhinir wO  tilgreinduaWilar1.og2.mgr.kvWisinsverWiundanYegnir13.gr.b!13.gr.llaganna,en B  ekkieinnig13.gr.meinsogkvWiWgerirnrWfyrir.RkinfyrirbreytingunnieruYauaW    stWulausteraWundanYiggjahinatilgreinduaWilanUfjrfestingarkvWi13.gr.mYarsem   kvWiWfelursrundanYgufrtakmrkunumlagannafjrmagnshreyfingumoggjald {  eyrisviWskiptum. nF   Um11.gr.  w  011.gr.frumvarpsinserlagttilaWheimildirSeWlabanka0slandstilaWaflaupplUsinga  vegnalgbundinseftirlitsbankansmeWlgunumverWiekkieingngubundnarviWupplUsing r arerltaaWgjaldeyrisviWskiptum.MikilvgterfyrirSeWlabankannaWgeta;skaWeftirann e= arskonarupplUsingumtilaWbankanumsunntaWframkvmahiWlgbundnaeftirlitmeW 0 fullngjandihtti.XannigverWaheimildirSeWlabankanstilflunarupplUsingavegnaeftirlits  YrsmuogaWYvervarWaranns;knirvegnameintrabrotakvWumlaganna.    Um12.gr. \4   MeWaliWertlaWaWtakaafallanvafaumYaWaWSeWlabanka0slandssheimiltaWbeita ' stj;rnvaldssektumYeimtilvikumsembrotiWergegnYeimskilyrWumsemsetterufyrirveit  inguundanYgafrtakmrkunumlagannasamrmiviW13.gr.o,sbr.7.gr.    MeWb!cliWerulagWartilbreytingarngildandikvWi2.mgr.15.gr.alagannaum `  hkkunYeimfjrhWarmrkumstj;rnvaldssektasemSeWlabanka0slandserheimiltaW S+! leggjavegnabrotakvWumlagannaeWareglumsettumgrundvelliYeirra.ErlagttilaW " sektireinstaklingagetinnumiWfr10Ys.kr.til65millj.kr.ogYerjafnframtlagttil # aWsektirsemlagWarerulgaWilagetinumiWfr50Ys.kr.til250millj.kr.0ngildandi  $ lgumerhmarkstj;rnvaldssektumeinstaklinga20millj.kr.en75millj.kr.hjlgaWilum. !W%   0ngildandilgumergertrWfyriraWhgtsaWljkaminnibrotummeWbeitingustj;rn J""& valdssektaenaWmeirihttarbrotverWikrWtillgreglu.MarkmiWmeWbeitingustj;rnvalds #' sektaeraWskilvirkniermeiriogkostnaWurminniogaWslkmltakaoftaststyttritmaen #( mlsemkrWerutillgregluogfarafarvegsakamlaranns;kna.Xerlj;staWtilaWstj;rn $ ) valdssektirnitilgangisnumoghafiforvarnarhrifYurfaYraWverangilegahar. v%N!*   MeWlgumnr.78/2010varSeWlabanka0slandsfengiWYaWhlutverksemFjrmlaeftirlitiW A&"+ hafWiWur,Y.e.aWrannsakatluWbrotlgunumogleggjaeftiratvikumstj;rnvaldssektir  '", vegnaslkrabrotaogt;kufjrhWirstj;rnvaldssektamiWafYeimheimildum_semFjrmla '#- eftirlitiWhefur.Lj;steraWmeWlgumumgjaldeyrismlhafaveriWsettarnokkuWvWtkar ( takmarkanirsemtlaWeraWtryggjastWugleikagengisogpeningamlumogerSeWla  banka0slandsfengiWYaWhlutverksem_srfrWistj;rnvaldi_ԀYvsviWiaWhafaeftirlitmeWaW  slkartakmarkanirsuvirtar.ViWeftirlitogranns;knirSeWlabanka0slandsmeintumbrotum a gegnlgumumgjaldeyrismlogreglumsettumgrundvelliYeirrahefurkomiWlj;saWYr T, fjrhWirsemhinmeintubrotltaaWerumrgumtilfellumverulegarogkunnaofttWum  aWskiptahundruWummillj;nakr;na.0YessusambandiverWuraWltatilYessaWeWlioghrif  brotalgumumgjaldeyrismlernokkuWannaWeneWlioghrifYeirrabrotasemheimildir   FjrmlaeftirlitsinstilYessaWleggjastj;rnvaldssektirfelasrogupphaflegufjrhWar  X mrkint;kumiWaf.ViWkvrWunfjrhWumstj;rnvaldssektavegnabrotalgumum K #  gjaldeyrismlogreglumsettumgrundvelliYeirraverWuraWltatilhinssrstWaeWlisog    YeirraalmennuhrifasembrotlgumumgjaldeyrismlkunnaaWhafafyrirYj;WarbiW.    SlkbrotgetavaldiWalvarlegumogverulegum;stWugleikagengisogpeningamlumsem   leittgeturtilgengislkkunarslenskukr;nunnarogdregiWgjaldeyrisforWaYj;Warinnar. wO  SlkhrifgrafajafnframtundanogteflatvsUnutlunumafnmgjaldeyrishaftasem B  SeWlabanki0slandsbirti25.mars2011.      EinsogWursegirhefurreynslaviWranns;knbrotalgumumgjaldeyrismlleittYaW   lj;saWfjrhWireruofttWumYaWhar,meWtillititil_sektarheimilda_Ԁlagaumgjaldeyris {  ml,aWSeWlabankinnYessekkiannankostenaWskilgreinabrotsemmeirihttarogkra nF Yautillgreglu.SlkstaWavinnurgegnfyrrgreindumtilgangilagannaumaWmeirihttarbrot 9 faritillgregluenSeWlabankinnljkiminnihttarmlummeWbeitingustj;rnvaldssekta.  SlkstaWaleiWireinnigtilYessaWmlafjldioglaghjsrstkumsaks;knaraverWurmeira  eneWlilegtermeWtillititilbrotanna.Hkkun_sektarheimilda_ԀleiWirYvtilYessaWfleiriml r umvegnabrotalgunumverWurlokiWmeWlagningustj;rnvaldssekta. e=   Um13.gr.    GreininYarfnastekkiskUringa.   Fylgiskjal.  _7AU?) dE? A^_7   FjrmlarWuneyti, S+! fjrlagaskrifstofa: "    UmsgnL  M  umfrumvarptillagaumbreytingL  M  uL  M  ԀlgumL  M  nr.87/1992L  M  ,L  M  ԀL  M  umL  M  gjaldeyrismlL  M  ,  $ L  M  meWsWaribreytingumL  M  Ԁ(rUmkunheimilda,aukiWeftirlit,hkkunsektao.fl.). !W%  :  MeginmarkmiWfrumvarpsinseraWlosaumtakmarkanirfjrmagnshreyfingumoggjald J""& eyrisviWskiptummillilandasemkomiWvarhaustiW2008kjlfarefnahagshrunsinshaustiW #' 2008. #(   XrbreytingarsemlagWarerutilfrumvarpinueruaffernumtoga.0fyrstalagierulagWar $ ) tilbreytingartilrUmkunarUmsumkvWumervarWaheimildirtilgjaldeyrisviWskipta,svo v%N!* semvegnaframfrslu,endurfjrfestinga,erlendralntkuoggjaldeyrisviWskiptatengslum A&"+ viWatvinnustarfsemi.XverWurinnlendumaWilumheimiltaWkaupafarartkitileiginnota  '", _innanlands.ErheimildintakmrkuWviWeittfarartkialmanaksrifyriralltaW10m.kr.Til '#- aWkomavegfyrirmisnotkuneruviWskiptinjafnframthWstaWfestinguSeWlabankans.0Wru ( lagierulgWtilkvWisemveitaSeWlabankanumheimildtilYessaWsetjareglurumundan  YgurfrkveWnumtakmrkunumlaganna.XannigverWiSeWlabankanummgulegtaWlosa  umkveWnartakmarkanireinsogaWstWurleyfahverjusinni,eneinnigaWbregWastviWmeW a skj;tumhttikomilj;saWYrundanYguropnisniWgngumguleikaeWamisnotkun.0 T, YriWjalagierlagttilaWeftirlitmeWgjaldeyrisviWskiptumvegnagreiWslnavaxta,verWb;ta,  arWsogsamningsbundinnaafborganaverWihertogalmennheimildSeWlabankanstilupp  lUsingaflunarYgueftirlitsrUmkuWtilsamrmisviWheimildbankanstilaWaflaupplUsinga   Yguranns;kna.0fj;rWalagierubreytingarervarWasektarkvWilagannaenlagtertilaW  X fjrhWarmrkvegnastj;rnvaldssektasemSeWlabanka0slandserheimiltaWleggjavegna K #  brotakvWumlagannaeWareglumsettumgrundvelliYeirraverWihkkuW.FelurYaW    sraWhmarkssektireinstaklingahkkar20m.kr.65m.kr.ogfyrirtkir75m.kr.    250m.kr.XerSeWlabankanumeinnigfenginheimildtilaWbeitastj;rnvaldssektumYeim   tilfellumsembrotiWergegnskilyrWumsemsetterufyrirveitinguundanYgufrtakmrkun wO  umlaganna. B    TillgurfrumvarpsinsvarWaframkvmdgjaldeyriseftirlitsinssemerhndumSeWla    banka0slandsogmgerarWfyriraWbreytingarnarmunilttaundirmeWbankanumYeirri   vinnuoggetiYarmeWlkkaWkostnaWhans.SektargreiWslurvegnabrotareglunumrenna {  rkissj;WenengarforsendurerutilaWmetaumfangYeirraYessusambandi. nF   L  M  VerWifrumvarpiW;breyttaWlgumverWurekkisWaWYaWhafifrmeWsraukintgjld 9 fyrirrkissj;WL  M  ԀentekjurafsektargreiWslumgtuhugsanlegaorWiWhrriL  M  .L  M