WPC<2 )HޡXL;w7$A*ޡk+&'y{bO.e֓vU؇wrZx+%(uݍV'{\*PhJKזD=?}bBnU$ׯ8mx}v+i{Lk 2輦հS1r] 5ʙStr Ek%{B}lzO&N"o7Ri 1IҤ̗%kFGitSou|["v4ܜ!V?.dC3 HT+%撗q޸M|2^2 S/hrnL\ٲWq)t^ԕO'koI2_׿m卿#7UNv % 04 # 4>9 m;wR4V^ jvE B- 1 72C 0u 0 0 0 0: 0 0DN 1 0Qiiii 0Q"" 0] ' ' 0uh+h+ 0w++ 0T,T, 0,, 1u---- B+.+.+.+.6H.H.H.H.H.H.H.H.H.H.H.H. 72~/~//// 1/////////////////////U:0000M0000V000000(2&d9 Z6Times New Roman RegularX( Z$ IS , .\R6&A4\XħXXXTRW<6&A4W<6&A4 6&A4 6&A4T ? XXħ0?vvbX0#ggdd  8dXXd8ISUS.,    \\skoll\Austurstr 8-10 3h lp410W:\WP2000\SKJRI~IZ.WPTW:\WP2000\SkjritunY2k-nytt.wptUhlArirs?gUA 3|x)Hairline d ikmohCEIMQUY]aAutoList1!!!!!!!!i)1)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""($0  0` ""0 ` "` "0 " "0h""0h"h"0""0p""2  3  0p"p" 0 aѷ'ISUS.,,,..XKXXX? 6XXK0?vvbX0#ggdd  ISIS,.   _Ԁ(Z42%$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXKXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? 6XXK0?vvbX0#ggdd  86dXXd8ISIS,.     6    0    (#$  0  ikmo %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.()3ѷ$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXKXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? 6XXK0?vvbX0#ggdd  86dXXd8ISIS,.     ()3ѷ$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXKXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? 6XXK0?vvbX0#ggdd  86dXXd8ISIS,.     (531'$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXKXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? 6XXK0?vvbX0#ggdd  86dXXd8ISIS,.      d (M0J$2  0  .3  0 ` (O$0  2  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) d , g1'+ISUS.,,,..XKXXX? 6XXK0?vvbX0#ggdd  ISIS,.   d  ݀qi) %y_ gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)4cp Z "Times Regular L eѷ)ISUS.,,,..XKXXX? 6XXK0?vvbX0#ggdd  ISIS,.   _>? Ҁ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXKXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? 6XXK0?vvbX0#ggdd  86dd8ISIS,.     _ >?  _ikmo(%03q6 9140.lggjafarYing2011!2012. ( Xingskjal1395"493.ml.    SWariumrWa.     k6@XXNefndarlit#6 k#     umtillgutilYingslyktunarumranns;kneinkavWingu_Fjrfestingarbanka_   atvinnulfsinshf.,Landsbanka0slandshf.ogBnaWarbanka0slandshf.  X Fr1.minnihluta_stj;rnskipunar_-og_eftirlitsnefndar_.    @  01.mgr.1.gr.laganr.68/2011,um_ranns;knarnefndir_,segiraWforsetiAlYingisskipi   ranns;knarnefndefAlYingisamYykkirlyktunYarum.GerteraWskilyrWikvWinuaWum wO  saWrWamikilvgmlsemalmenningvarWa.1.minnihlutiteluraWranns;knsWara B  _einkavWingarferli_ԀbankannasekkisWurmikilvg,jafnvelmikilvgarienfyrri_einka    vWing_ԀbankannaogsmikilvgtmlsemalmenningvarWar.SalmennaskoWunertbreidd   aWYvvaldisem_ranns;knarnefndum_ԀAlYingiserfaliWskulibeittvarlegaogaWstj;rnmlum {  skuliekkiblandaWsamanviWranns;knmikilvgummlumsemalmenningvarWasem nF tengjastmeWferW_opinbers_ԀvaldsmeWeinhverjumhtti.GjarnaneruslkrrWinotuWtilaW 9 rannsaka_meintar_ԀmisfellureWabrotsemeigasrstaW_stj;rnsUslunni_ԀogerulitinYaW  mikilvgaWYaukallisrstakaranns;kn.EkkiundirneinumkringumstWumaWnota  YettavaldtilaWnsrniWurp;litskumandstWingumviW_rkisstj;rnarskipti_.XaWerekki r andalaganr.68/2011,um_ranns;knarnefndir_. e=   Xvleggur1.minnihlutitil_breytingartillgu_ԀumaWsamhliWaranns;kneinkavWingu 0 _Fjrfestingarbanka_Ԁatvinnulfsinshf.,Landsbanka0slandshf.ogBnaWarbanka0slandsfari  framranns;knoggertopinbert,_sundurliWaWan_Ԁhtt,hvert_matsverW_Ԁhinnasmueignavar  viWflutningYeirrafrhinumfllnubnkum,Landsbanka0slandshf.,_Glitni_Ԁog_KaupYingi_ i bankahf.,yfirtilnUjubankanna,_NBI_Ԁhf.(sWarLandsbankanshf.),_0slandsbanka_Ԁhf.og_KBI_ \4 hf.(sWar_Arion_Ԁbankahf.),ogskUrtdregiWframhverjirvoru_byrgWaraWilar_ԀYess_verWmats_ ' oghvaWaforsendurlguYvtilgrundvallar.Einnigfariframranns;knslueinstakraflaga  ogeignarhlutaflgumafhendi_slitastj;rna_Ԁog_skilanefnda_ԀLandsbanka0slandshf.,_Glitnis_  og_KaupYings_Ԁbankahf.og_KBI_Ԁhf.(n_Arion_Ԁbankahf.),_NBI_Ԁhf.(nLandsbankanshf.)og `  _0slandsbanka_Ԁhf.XannigskalupplUsthvaWaverWmtamatltilgrundvallar,hvernigstaWiW S+! varaWvalikaupendum,hvernigkaupinvorufjrmgnuWafkaupendumoghvaWa_seljenda " httur_Ԁfylgduslunni.NefndinberieinkavWinguslenskubankanna,slita-og_skilameWferW_ # samanviWsluopinberrafjrmlafyrirtkjangrannalndumogleggiframtillgurtil  $ rb;tavarWandislueignarhlutumrkisinsframtWinni.NefndinleggimatYrafleiW !W% ingarsemframkvmd_einkavWingar_Ԁbankanna,slita-og_skilameWferW_ԀhafWifyrirslenskt J""& samflag.138.lggjafarYingivarlgWfram_breytingartillaga_Ԁ(_Yskj_.1525,705.ml),viW #' tillgutilYingslyktunarumviWbrgWAlYingisviWskUrsluranns;knarnefndarAlYingis2010 #( Yessaefnis(sjfylgiskjalI).0greinargerWmeW_Yingslyktunartillgunni_ԀsemnefndarlitYetta $ ) viWerusettarfram_ranns;knarspurningar_Ԁsem_ranns;knarnefndinni_ԀertlaWaWsvara.Eiga v%N!* Yessar_ranns;knarspurningar_ԀvelviWeinkavWingubankannahinnasWari,svosem: A&"+  ikmo(x0_ikmo"i0J"  i0J 2!3  Ԉ0    HvaWamarkmiW,stefnaogviWmiWlgutilgrundvallareinkavWingubankanna,hverjir  '", brubyrgWYeirristefnum;tunogaWhvemikluleytivarstefnunnifylgtviWfram '#- kvmd_einkavWingar_Ԁbankanna?i0J݌#(z$.X #9 y   ь   ikmo(xxikmo"i0J"  i0Ji 2!3  Ԉ0    Hvernigf;r_sluferliW_Ԁfram?HvaWaaWferWafrWivarbeitt,hvernigvarhnkveWin, ( hvernigvarhttaWeftirlitimeW_sluferlinu_ԀoghverjumbaraWhafaeftirlitmeWYvaW  _sluferliW_ԀvrisamrmiviWmarkaWastefnuumeinkavWingubankanna?VarleitaW  rWahjerlendumsrfrWingumvarWandistefnum;tunogframkvmd_einkavWingar a innar_?GerWverWinkvm_mlsatvikalUsing_ԀvarWandi_sluferliW_.i0Ji݌T, Ќ    llrkhngaYttaWfyrri_einkavWing_ԀbankannaverWiekkirannskuWnemaseinni  _einkavWing_ԀbankannaverWirannskuWsamhliWasrstaklegalj;siYessaWstefnuyfir  lUsingurkisstj;rnarSjlfstWisflokksog_Samfylkingarinnar_Ԁfr23.ma2007varstefntaW   YvaW?tryggjaaWfjrmlastarfsemigtivaxiWframhrlandiogaW_fjrmlafyrirtkin_  X gtus;ttinnnUsviWsamkeppniviWnnur_markaWssvWi_ԀogaW_trsarfyrirtki_Ԁsjusr K #  framhagaWhafahfuWstWvarsnarhrlendis. 05.kaflaskUrsluYingmannanefndartil    aWfjallaumskUrsluranns;knarnefndarAlYingis138.lggjafarYingi(_Yskj_.1501,705.ml),    kemurframaWYessaristefnuyfirvaldahafiekkiveriWekkibreyttopinberlegafyrirhrun   bankannaokt;ber2008.Seinni_einkavWing_ԀbankannavarframkvmdnokkurrarumrWu wO  AlYingiognYessaWbreytingarhefWuveriWgerWarstarfsumhverfibankaogannarra B  fjrmlafyrirtkjaeWalgumumfjrmlafyrirtkikjlfar_hrunsins_ԀsWlars2009.Xessskal    getiWaW_Glitnir_Ԁvar_einkarekinn_ԀalltframaWhrunieWaYartilrkiWt;khannyfiroghannvarW   aWrkisbanka.haustdgum2010vartekinskvrWunaWumsvifalaustvoru_lnardrottnum_ {  _KaupYings_Ԁog_Glitnis_Ԁ_afhentir_ԀnUjubankarnir,semstofnaWirvorugrunnihinnagjaldYrota nF gmlubankaogheitadag0slandsbankiogArionbanki.MeirihlutiLandsbankanserenn 9 eigurkisins.VarYessikvrWuntekinnnokkurs_faglegs_Ԁmats,_verWmats_ԀeWa_tboWs_.Xv  leggur1.minnihlutitil_breytingartillgu_ԀumaWsWari_einkavWing_ԀbankannaverWirann  skuWsamhliWaYeirrifyrri. r @ AlYingi,16.ma2012. 0 h@@11VigdsHauksd;ttir. h@  FylgiskjalI.  6lAu ) dE> A^l6  l   _Breytingartillaga_ԀfrSigmundiDavWGunnlaugssyniviWtillgutilYingslyktunar *  umviWbrgWAlYingisviWskUrsluranns;knarnefndar ! AlYingis2010[skUrslu_Yskj_.1501].  " /  (_Xskj_.1252,705.ml138._lggjafarYings_.) c# @@$    EftirfarandibreytingverWi_tillgugreininni_: !!%   ViWII.liW8.mgr.btistfj;rirnUirtluliWir,svohlj;Wandi: !& ! !"i0J"  i0J2 2!3  Ԉ0    Ranns;kneinkavWinguLandsbanka0slandshf.ogBnaWarbanka0slandshf.sem "' framf;rgrundvellilaganr.50/1997,umstofnunhlutaflagaumLandsbanka0slands #Z( ogBnaWarbanka0slands,meWsWaribreytingum.XannigverWirannsakaWhvernigaW M$% ) undirbningiogframkvmd_einkavWingar_ԀLandsbanka0slandshf.ogBnaWarbanka % * 0slandshf.varstaWiW,lagtmathvortvikiWhafiveriWfrviWmiWumeWakrfumtil %!+ kaupendasemstfuWufr_rWherranefnd_ԀumeinkavWinguogframkvmdanefndum &", einkavWingu,skoWaWhverjirraunverulegirkaupendurbankannavoruogYaWgertopin y'Q#- bert,lagtmathvortkaupendurhafiraunogveruuppfylltviWmiWeWakrfursemfyrir D($. _lguvarWandivalmgulegumkaupendumbankanna,hvorteinstkumkaupendumhafi ( veriWveitturafsltturfrumsmdukaupverWi,ogYhvaWaforsendurlguslkum  afslttitilgrundvallar,hverjirhafistaWiWaWYvaW_verWmeta_ԀYreignirseminni  bnkunumvorufyrirsluYeirra,hvernigslkumathafiveriWhttaWoghvortsamrmi a hafiveriWmilliYessmatsogYeirraraunveruleguverWmtasemafhentvorukaup T, endumbankannaviWeinkavWinguYeirra.SamhliWaframangreinduverWigertopinbert,  _sundurliWaWan_Ԁhtt,hvert_matsverW_ԀhinnasmueignavarviWflutningYeirrafrhinum  fllnubnkum,Landsbanka0slandshf.og_KaupYingi_Ԁbankahf.,yfirtilnUjubankanna,   _KBI_Ԁhf.(sWar_Arion_Ԁbankahf.)og_NBI_Ԁhf.,skUrtdregiWframhverjireru_byrgWaraWilar_  X Yess_verWmats_ԀoghvaWaforsendurlguYvtilgrundvallar.i0J22݌K #  Ќ  "i0J"  i0J< 2!3  Ԉ0    Ranns;knslueinstakraflagaogeignarhlutaflgumafhendi_slitastj;rna_Ԁog_skila    nefnda_ԀLandsbanka0slandshf.og_KaupYings_Ԁbankahf.og_KBI_Ԁhf.(n_Arion_Ԁbankahf.)    og_NBI_Ԁhf.XannigskalupplUsthvaWaverWmtamatltilgrundvallar,hvernigstaWiWvar   aWvalikaupendum,hvernigkaupinvorufjrmgnuWafkaupendumoghvaWa_seljenda wO  httur_Ԁfylgduslunni.i0J<"=݌B  Ќ  "i0J"  i0J@ 2!3  Ԉ0    Ranns;kn_stofnfjraukningu_Ԁsparisj;Wafrgildistkulaganr.4/2004,umbreytingu    lgumnr.161/2002,umfjrmlafyrirtki.RannsakaWverWihvernigaW_stofnfjr   aukningunni_ԀvarstaWiW,hvernigundirbningihennarvarhttaWoghvernigframkvmd {  hennarf;rfram.LeittverWilj;shvaWamatltilgrundvallarvalinUjum_stofnfjr nF aWilum_,hvernigs_stofnfjraukning_ԀvarfjrmgnuWoghvaWatryggingarvoruaWbaki 9 Yeirrifjrmgnun.i0J@@݌ Ќ  "i0J"  i0J+D 2!3  Ԉ0    Ranns;kn_styrkveitingum_Ԁsparisj;Watilstj;rnmlamannafrrinu2004.GertverWi  opinberthvorteinstakirstj;rnmlamennfengustyrkifr_sparisj;Wunum_,beinteigin r nafnieWa;beintnafnihluta-eWa_einkahlutaflags_.i0J+DXD݌e= Ќ   FylgiskjalII.  3 iAu ) dE> A^i3   i   BrskUrslu_Yingmannanefndar_ԀtilaWfjallaum ' skUrsluranns;knarnefndarAlYingis.   (_Xskj_.1501,705.ml138._lggjafarYings_.)   5.kafli.Stefnastj;rnvaldaumstrWogstarfsemislenskrafjrmlafyrirtkja. S+!      0kaflanumer_reifuW_Ԁstefnarkisstj;rna0slandsfr23.aprl1995til23.ma2007ograkin " helstap;litska_stefnumrkunin_ԀsemsettvarframtengslumviW_fjrmlalfiW_Ԁogtlanirum # einkavWingurkisfyrirtkja.XerutekinsamanummlirWherraYessararkisstj;rnaum  $ _fjrmlalfiW_Ԁogfjrmlafyrirtki.XarendurspeglastgildandiviWhorfrWherragagnvart_fjr !W% mlafyrirtkjunum_ԀaukYesssemummlinsUnamrghverYaWviWhorfsemrkisstj;rnir J""& vilduaWalmenningureWaerlendiraWilarhefWutilslenskrafjrmlafyrirtkja. #'   Stefnastj;rnvaldavarWandislenska_fjrmlakerfiW_ԀYessumrumf;lstYvaWselja #( _eignarhluti_Ԁrkisinsbnkumogopinberum_fjrfestingarsj;Wum_.AlmenntvarstefntaWYv $ ) aWeflasjlfstWi_eftirlitsstofnana_ԀensamatmattiaWgtaaWYvaW_eftirlitsstarfsemin_ v%N!* mundiekkiYyngjafyrirtkjumumof.XvartekiWframstefnuyfirlUsingurkisstj;rnar A&"+ SjlfstWisflokksog_Samfylkingar_Ԁfr23.ma2007aWstefntvriaWYvaW?tryggjaaWfjr  '", mlastarfsemigtivaxiWframhrlandiogaW_fjrmlafyrirtkin_Ԁgtus;ttinnnUsviW '#- samkeppniviWnnur_markaWssvWi_ԀogaW_trsarfyrirtki_ԀsjusrframhagaWhafa (z$. hfuWstWvarsnarhrlendis. Xessaristefnuyfirvaldavarekkibreyttopinberlegafyrirhrun ( bankannaokt;ber2008.FjallaWertarlegaumYessayfirlUsinguogerkaflanumfariWyfir  hvervoruviWhorfrWherratil_stefnuyfirlUsingarinnar_ԀbWinogYeimtmasemhnvar  settfram.XereinnigvsaWtilorWafyrrverandiforstj;raFjrmlaeftirlitsinsogtilorWafyrr a verandibankastj;raLandsbankans,_Glitnis_Ԁog_KaupYings_ԀumYessastefnuyfirlUsinguogspurt T, hvernigYessiraWilarhafiupplifaWstefnunasemhennibirtist.XaWvarmatYeirraaWekki  hafiveriWgefinneinopinberp;litskskilaboWumaWbankarnirttuaWminnkaogaWalmennt  hefWistemmninginveriWsaWrkiWtlaWisraWeflastarfsemi_fjrmlafyrirtkjanna_Ԁog   tryggjaaWYauhefWuhfuWstWvarsnarhrlandifram.Allir_aWilarnir_Ԁvorusammlaum  X aWekkihafiveriWsettarframneinarformlegar;skirumaWbankarnirdrgju&  rstarfsemi K #  sinnieWabreyttuhenni.'K V      AWlokumeruraktaropinberarumrWurum0slandsemmiWstWalYj;Wlegrarfjrmla    starfsemifr1999til2007.SrstaklegaerfjallaWumstarf12mannanefndarsemfjallatti   umforsenduralYj;Wlegrarfjrmlastarfsemi0slandiog_samkeppnishfni_ԀlandsinsYv wO  sviWi.FariWeryfirniWurstWurnefndarinnarogreifaWarupplUsingarnefndarmannaumvinnu B  viWskUrsluna.NefndinkomstaWYeirriniWurstWuaWkveWnirgrunnYttireinkenndulg    YeirrarkjasemnWhafalangtsviWialYj;Wlegrarfjrmlastarfsemi.SettinefndinframYaW   meginviWhorfaWefstj;rnvld0slanditluWuaWsetjasrYaWmarkmiWaWeflaalYj;Wlega {  fjrmlastarfsemi0slandittiYvaugnamiWieinungisaWsetjaalmennarreglurfyrir nF slensktatvinnulfYvskynisemstWust_EES_ԄkvaWir.BendamaWbeinarog;breyttar 9 _innleiWingar_Ԁ_EES_ԄgerWatWkasttildmisekkiNoregi.XkemurframskUrslunniaWniWur  stWurh;psinsvirWastekkihafaveriWnUttarnokkurnhttviWstefnumrkunumuppbygg  ingualYj;Wlegrarfjrmlastarfsemihrlandi.XereinnigrttaWbendaaWsamkvmt r skUrsluSigurWarEinarssonarsemsatnefndinniumforsenduralYj;Wlegrarfjrmlastarfsemi e= YhafWiJ;nSigurWsson,YverandiseWlabankastj;riogsWarviWskiptarWherra,tiltekiWsr 0 staklegaaWekkimttirWahlutverkSeWlabankanssem_lnveitanda_Ԁtil_Yrautavara_Ԁnefnd  inni.   NiWurstWuroglyktanirranns;knarnefndarAlYingis. \4    XaWerniWurstaWa_ranns;knarnefndarinnar_ԀaWrunum1995!2003hafiekkiveriWfjallaW ' umstarfsemifjrmlafyrirtkja_stefnuyfirlUsingum_Ԁrkisstj;rna,aWWruleytienYvaW  runum1995!2003varfylgtYeirristefnusitjandirkisstj;rnaaWselja_eignarhluti_Ԁrkisins  bnkumogopinberum_fjrfestingarsj;Wum_.Hinsvegarvar_stefnuyfirlUsingum_ԀfjallaWum `  nauWsynsjlfstWi_eftirlitsstofnana_.XvfylgdihinsvegarsvarnagliaWtryggjaYyrftiaW S+! starfsemiYeirraYyngdifyrirtkjumekkiumof.EinnigvarunniWaWstefnum;tunumfor " senduralYj;Wlegrarfjrmlastarfsemi0slandiensamkvmt_stj;rnarsttmla_ԀSjlfstWis # flokksog_Samfylkingar_Ԁfr23.ma2007varstefnarkisstj;rnarinnarsaWtryggjaaWfjr  $ mlastarfsemigtiframvaxiWhrlandiogs;ttinnnUsviWsamkeppniviWnnur_mark !W% aWssvWi_ԀogaW_trsarfyrirtki_ԀsjusrframhagaWhafahfuWstWvar0slandi.Xessari J""& stefnurkisstj;rnarinnarvarekkibreyttopinberlegafyrirhrunbankannaokt;ber2008. #'  & a NiWurstWuroglyktanir_Yingmannanefndarinnar_. $ )    _Xingmannanefndin_ԀtekurundirniWurstWuroglyktanirranns;knarnefndarAlYingisog v%N!* leggurtilaWYrverWimeginatriWumlagWartilgrundvallarviWrbturlggjf.'a$f A&"+   _Xingmannanefndin_ԀleggurhersluaWrkisstj;rnirhverjumtmamarkisrskUraopin  '", berastefnuumstarfsemifjrmlafyrirtkjaogeftirlitmeWYeimsamrmiviWstrWog '#- umfangefnahagskerfisinshverjusinni.