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Framkvmdastj;rnEvr;pusambandsinsgaftskUrslu27.mars2006(EvaluationReport {  ontheSettlementFinalityDirective98/26/ECCOM(2005)657final/2)umhvernigtilskipun sF 98/26/EBvirkaWiframkvmdaWildarrkjunum.0YeirriskUrslukomframYaWmataWtil > skipunintryggWiheildstWarttarverndfyrirnotendurkerfagegnkerfishttuogykifyrir   sjanleikaYarsemmeginmarkmiWiWvaraWverndaYrgreiWslurgegnYvaWhgtvriaW  beitareglumlagaumgjaldYrotaskiptio.fl.eftiraWgreiWslurnarvorukomnarinnkerfin.Ekki r vruneinirmarktkirerfiWleikarviWframkvmdtilskipunarinnarenY;vrirttaWtskUra j= ogskilgreinabeturUmisatriWisemY;ttu;lj;s,skerpalagaskilareglumoglagatilskipunina 5 aWbreyttumaWstWumfjrmlamarkaWi.   III.Meginefnifrumvarpsins.  i   0ngildandilgumereinungisfjallaWumgreiWslukerfi.0frumvarpiYessuerlagttilaW a4 lgintakieinnigtilverWbrfauppgjrskerfa.ErYettasamrmiviWefnitilskipunar98/26/EB. , llkerfisemeruviWurkenndskulutilkynnttilEftirlitsstofnunarEFTA,einnigYausemeru  viWurkenndsamrmiviW4.gr.frumvarpsins.    LagtertilaWskilgreiningunokkrumhugtkumverWibreyttognUhugtkskilgreind. `  Skilgreininguhugtakinu?stofnun hefurveriWbreyttYannhttaWrafeyrisfyrirtkiog X+! verWbrfamiWstWvarfallanYarundir.XereinniglgWtilbreytingskilgreininguhug #" takinu?;beinnYtttakandi .NgildandilgheimilaeinungisYeimaWilumsemfallaundir # hugtakiW?stofnun aWvera?;beinirYtttakendur .EkkiteljastverahaldbrrktilYessog  $ erYvlagttilaWskilgreininghugtakinu?;beinirYtttakendur verWivkkuWtYannigaW !W% ngetaallirYeirsemfallaundirhugtakiW?Ytttakendur lgunumeinnigveriW?;beinir O""& Ytttakendur .?Kerfisstj;ri og?rekstrarsamhfWkerfi erumeWalYeirranUjuhugtakasem #' lagtertilaWskilgreindverWilgunum.AlgengasteraWkerfitengisthvertWru_meWalmenn #( umaWgangi,srstkumaWgangieWasu_rekstrarsamhfW_Ԁkerfi.LagtertilYaWnUmliYessu $ ) frumvarpiaW_kerfisstj;ri_ԀgetiveriWYtttakandiWrukerfi.XettaersamrmiviWYr;un {%N!* sviWievr;pska_fjrmlamarkaWarins_ԀsemmlirfyrirummeiraaWgengiaWkerfum._Kerfisstj;ri_ F&"+ kemurYframsemYtttakandifyrirhnd_kerfanna_. '",   LagtertilaWheimiltverWiaWviWurkennafleirikerfieneinungisYausemfallaundir '#- skilgreiningukerfi2.gr.frumvarpsins.LagtertilaWfyrirmlisuvernduWn;ttogdag - meWYvaWskilgreina_viWskiptadag_Ԁsem24klukkustundir.    &  LgWertilbreyting4.gr.lagannasemmiWaraWYvaWaWlagagreininaaW_rekstrar  samhfWum_Ԁ'!kerfumogskUrabyrgW_kerfisstj;ra_.LagtertilaWYaWverWireglurkerfisinssem a kveWiumYaWhvenrfyrirmliteljastverakomininnkerfiW.KerfiskululeitastviWaW Y, hafasamrmdarreglurenekkivargengiWsvolangtaWskylda_rekstrarsamhfW_ԀkerfitilaW $ verameWsamrmdarreglur.   IV.SamrW.   X   TilaWstoWarviW_frumvarpssmWina_ԀskipaWiefnahags-ogviWskiptarWherranefndmeWfull P #  trumhelstu_hagsmunaaWila_,Y.e.Samtakafjrmlafyrirtkja,FjrmlaeftirlitsinsogSeWla    banka0slands.FrumvarpiWvaraWmestuunniWefnahags-og_viWskiptarWuneytinu_Ԁenvar    sentnefndarmnnumtilumsagnarYegardrglgufyrir.    V.SamrmiviWstj;rnarskrogalYj;Wlegarskuldbindingar.  G    EfnifrumvarpsinskallaWiekkisrstakaskoWunsamrmiviWstj;rnarskr.Frumvarp   YettaerlagtframtilaWuppfyllaskuldbindingarslenskarkisinssamkvmtEES-samningn   um.Tilskipun2009/44/EBvarbirt_stj;rnartWindum_ԀEBYann10.jn2010ogvartekinupp {  EES-samninginnmeWkvrWunsameiginleguEES-nefndarinnarnr.50/2010fr30.aprl sF 2010umbreytingu_IX_.viWauka(_FjrmlaYj;nusta_)og_XII_.viWauka(Frjlsir_fjrmagns > flutningar_)viWEES-samninginn.InnleiWinguttiaWveralokiW30.desember2011.Xarsem   taliWvaraWinnleiWingkvWumtilskipunarinnarkallaWilagabreytinguvar_stj;rnskipu  legur_Ԁ_fyrirvari_ԀgerWurviWnefndakvrWunsameiginleguEES-nefndarinnarsamrmiviW r 103.gr.EES-samningsins.MeW_Yingslyktun_ԀsamYykktiAlYingiaWafltta_stj;rnskipulegum_ j= fyrirvaravegnakvrWunarinnar(Yskj.1960139.lggjafarYingi).VerWifrumvarpiWaW 5 lgummunslenskarkiWhafastaWiWviWskuldbindingarsnarsamkvmtframangreindu.   VI.Mathrifum.  i   FrumvarpiWvarWarafmarkaWanenmikilvganhluta_fjrmlamarkaWarins_ԀogverWiYaWaW a4 lgummunuhrifYesseinkumveraaWvkkatogtreystaverndfyrirmlakerfum. ,   AthugasemdirviWeinstakargreinarfrumvarpsins.  Um1.gr. `  K  01.mgr.ernUttkvWiummarkmiWlagannasemeraWtryggjaryggiuppgjriviWskipta X+! _greiWslukerfum_Ԁog_verWbrfauppgjrskerfum_.kvWi2.mgr.kveWurumgildissviWlkt #" og1.gr.gerWiWur.LagtertilaWlgingildium_greiWslukerfi_Ԁog_verWbrfauppgjrskerfi_. # MeginmarkmiWlagannaeraWverndafyrirmlisemsendhafaveriWinnkerfin.ryggifyrir  $ mlaertryggtmeWYvaWekkierhgtaWbeita_XX_.kaflalaganr.21/1991,um_gjaldYrota !W% skipti_Ԁo.fl.,umfyrirmlisemhafaveriWsendkerfi.Xannigmekkibeitalgumum_gjald O""& Yrotaskipti_Ԁo.fl.umYaufyrirmlisemkominvoruinnkerfinendaY;ttbeinsYtttakanda #' stekiWtil_gjaldYrotaskiptameWferWar_.XettaviWum&  llYaurrWisemlgum_gjaldYrota #( skipti_ԀkveWaum,svosem_greiWslustWvun_,_nauWasamninga_Ԁog_gjaldYrotaskipti_.'# $ )   Um2.gr. F&"+   0samrmiviWYrbreytingarsemlagWarerutil1.gr.frumvarpsinsumaWltalgintaka '", bWitil_greiWslukerfa_Ԁog_verWbrfauppgjrskerfa_ԀerlagttilaW_hugtakanotkun_Ԁlgunums '#- frWtilsamrmisviWYaWoglagttilaWhugtakiW?kerfi komistaW?_greiWslukerfis_ Yarsem - viW.VerWifrumvarpiWaWlgummunrWherraverWaheimiltaWviWurkenna_greiWslukerfi_Ԁog  _verWbrfauppgjrskerfi_.SmureglurmuniYvgildaum_greiWslukerfi_Ԁog_verWbrfauppgjrs  kerfi_ԀsemhafaveriWviWurkenndskv.2.mgr.3.gr.laganr.90/1999._GreiWslukerfi_ԀeruYau a kerfisemsjumuppgjrpeningumen_verWbrfauppgjrskerfi_ԀsjumuppgjrmeWfjr Y, mlagerninga. $   XarsemfyrirmlivarWaekkieingngufyrirmlium_peningafrslur_Ԁheldureinnigfyrir  mlium_verWbrfafrslur_ԀerlagttilaWhugtakinu?_greiWslufyrirmli_ verWiskipttfyrir   hugtakiW?fyrirmli YeimkvWumlagannasemYaWviW.HugtakiW?fyrirmli erskil  X greint7.tlul.SamkvmtYeirriskilgreiningutekurhugtakiWbWiyfirfyrirmlisemvarWa P #  _peningagreiWslur_ԀeWaaWrafjrmlagerninga.      0frumvarpinuerlagttilaWhugtakiW?_fjrmlagerningur_ snotaWstaWhugtaksins?verW    brf tilYessaWsamrma_hugtakanotkun_ԀlgunumviWaWralggjffjrmlamarkaWi.   HugtakiW_fjrmlagerningur_Ԁvsartilmismunanditegundasemtaldareruupp2.gr.lagaum |O  verWbrfaviWskipti. G    0greininnieruskilgreindhugtksemfyrirkomalgunumogertlaWaWinnleiWa5.mgr.   1.gr.tilskipunar2009/44/EBsembreytir2.gr.tilskipunar98/26/EB.     Uma-liW: {    01.tlul.erinnleiddskilgreininghugtakinu?kerfi (system),sbr.1.undirgreina-liWar sF 5.mgr.1.gr.tilskipunar2009/44/EB.LagtertilaWskilgreininginkerfissettframfj;rum > _stafliWum_ԀtileinfldunarogsamrmisviWtilskipunina.KerfigetabWiveriW_greiWslukerfi_   og_verWbrfauppgjrskerfi_._GreiWslukerfi_ԀeruYaukerfisemannastfjrmagnog_verWbrfaupp  gjrskerfi_ԀYaukerfisemsjumflutning_fjrmlagerningum_. r   Umb-liW: j=   02.tlul.erlagttilaWinnleiddverWiskilgreininghugtakinu?stofnun (_institution_),sbr. 5 1.undirgreinb-liWar5.mgr.1.gr.tilskipunar2009/44/EB.XrbreytingarsemerugerWar  skilgreiningunnimiWaaWsamrmiviWaWralggjffjrmlamarkaWimeWYvaWvsatil4.  gr.laganr.161/2002,umfjrmlafyrirtki,ogYereinnigYaWnUmliaW_rafeyrisfyrirtki_ i og_verWbrfamiWstWvar_Ԁfalliundirskilgreininguhugtakinustofnun. a4   Ume-liW: ,   06.tlul.erlagttilaWinnleiddurverWig-liWur5.mgr.1.gr.tilskipunar2009/44/EBYar  semgerWarerusmvgilegarbreytingarskilgreininguhugtakinu?_uppgjrsreikningur_   (_settlement_Ԁ_account_).VerWifrumvarpiWaWlgumverWurgerWurgreinarmunuraWYaWsu `  annarsvegar_peningainnstWur_ԀeWahinsvegar_fjrmlagerningar_ԀsemgetaveriW_uppgjrs X+! reikningi_. #"   Umf-liW: #   07.tlul.erlagttilaWinnleiddurverWif-liWur5.mgr.1.gr.tilskipunar2009/44/EBYar  $ semsmvgilegarbreytingarerugerWarskilgreininguhugtakinu?_greiWslufyrirmli_  !W% (_transfer_Ԁ_order_).0samrmiviWaWrarbreytingarlgunumernnatalaWum?fyrirmli  O""& staW?_greiWslufyrirmla_ .Xerskilgreiningunnieinnigskiptuppa-ogb-liWYarsema-liWur #' viWfyrirmli_greiWslukerfum_Ԁogb-liWurviWfyrirmlisemsenderu_verWbrfaupp #( gjrskerfum_. $ )   Umg-liW: {%N!*   09.tlul.erlagttilaWinnleiddverWi1.undirgreinc-liWar5.mgr.1.gr.tilskipunar2009/ F&"+  44/EBYarsemgerWarerusmvgilegarbreytingarskilgreininguhugtaksins?Ytttakandi  '", (_participant_).XaunUmlierulgWtilaWnsskUrttekiWframaWsamiYtttakandigeti&   komiW - framsemmismunandiaWiliYegarfrslaumkerfisrstaW.'-ȿ    &  Umh-liW:    010.tlul.erlagttilaWinnleiddurverWid-liWur5.mgr.1.gr.tilskipunar2009/44/EB'sԀYar a semhugtakiW?;beinnYtttakandi (_indirect_Ԁ_participant_)erskilgreint.LagtertilaWalliraWilar Y, semtalistgetaveriWYtttakendurgetieinnigveriW_;beinir_ԀYtttakendur.WurvoruYaWein $ ungislnastofnanirenekkiY;ttusterkrkliggjaaWbakiYvaWeinskorWaYaWviWYr.    Umi-liW:     011.tlul.erlagttilaWinnleiddurverWih-liWur5.mgr.1.gr.tilskipunar2009/44/EBYar  X semhugtakiW?_veWtryggingar_ (_collateral_Ԁ_security_)erskilgreint.LagtertilaWheimiltverWi P #  aWnota_skuldakrfur_Ԁsemtryggingufyrirskuldbindingumkerfum.      Umj-liW:      LagtertilaWnUr13.tlul.btistviWgreininatilinnleiWingare-liW5.mgr.1.gr.tilskip   unar2009/44/EBYarsemhugtakiW?_fjrmlagerningur_ (_securities_)erskilgreint.VsaWer |O  tillagaumverWbrfaviWskiptiumskilgreininguhugtakinu. G    LagtertilaWnUr14.tlul.btistviWgreininatilinnleiWingar1.undirgreini-liWar5.mgr.   1.gr.tilskipunar2009/44/EBYarsemhugtakiW?_kerfisstj;ri_ (system_operator_)erskilgreint.   _Kerfisstj;ri_ԀersaWilisemrekurkerfiWogberlagalegabyrgWrekstriYess. {    LagtertilaWnUr15.tlul.btistviWgreininatilinnleiWingar2.undirgrein5.mgr.1.gr. sF tilskipunar2009/44/EBYarsemhugtakiW?_rekstrarsamhfW_Ԁkerfi (_interoperability_Ԁ_systems_) > erskilgreintenbisterviWaW_greiWslukerfi_ԀverWi_rekstrarsamhfW_ԀrkarimlienWur.     LagtertilaWnUr16.tlul.btistviWgreininatilinnleiWingar3.undirgrein5.mgr.1.gr.  tilskipunar2009/44/EBYarsemhugtakiW?_viWskiptadagur_ (_business_Ԁ_day_)erskilgreint.Xar r sem_millilandagreiWslur_ԀeruorWnaralgengariYykirnauWsynlegtaWkveWaumskUrarireglur j= varWandiYaWhvenrgreiWslurnj;taverndarogskalveraskUrtaW_nturuppgjr_Ԁfallaundir 5 lgin.    Um3.gr. i 2  LagtertilaW11.mgr.5.gr.tilskipunar2009/44/EBsinnleidd3.gr.laganna.Eittaf a4 skilyrWumYessaWkerfifalliundirlginoggreiWslursemfaragegnumYaWnj;tirttar , verndarlagannaeraWkerfiWhafiveriWviWurkenntogtilkynnttilEftirlitsstofnunarEFTA.  MeWgreininnierlagttilaWeinnigskulitilkynnahvers_kerfisstj;ri_ԀhlutaWeigandikerfis.  0slandihafatvkerfiveriWtilkynnttilEftirlitsstofnunarEFTA,_st;rgreiWslukerfi_ԀSeWlabanka `  0slandsog_jfnunarkerfi_Ԁ_GreiWsluveitunnar_ԀogYveruYaukerfiviWurkenndsemlgmtkerfi X+! lluEvr;pskaefnahagssvWinu.0Yvfelst_rttarvernd_Ԁfyrirmlasemkominerukerfin. #" XereinniglagttilaWaukinverWiupplUsingaskyldaYeirrasemrekakerfin. #   Um4.gr. !W%   LagtertilaWinnleiddverWikvWi2.og3.mgr.a-liWar2.gr.tilskipunar98/26/EB._Inn O""& leiWingin_ԀkvWunumer_valkvW_ԀenYauvoruekkiinnleiddmeWlgumnr.90/1999. #' undanfrnumrumhafa_greiWslukerfi_Ԁog_verWbrfauppgjrskerfi_ԀYr;astmikiWogvartaliW #( skilegtaWsetjaYessaheimildfrumvarpiW.EndaY;ttekkisYrffyrirslkaheimildnna $ ) geturYaWgerstnnustuframtW.RWherraviWurkennirYkerfinlktogYaukerfisemfalla {%N!* undir2.gr.laganr.90/1999.GerWerskrafaaWviWurkenningsskilegvegnakerfishttu. F&"+ XaWerrWherrasemviWurkennirkerfiaWfenginnitillguSeWlabanka0slandsogmunYaW '", verWametiWhverjusinnihvortkerfihlj;tiviWurkenningu.Kerfisemhlj;taviWurkenningu '#- samkvmtYessarigreinskaltilkynnatilEftirlitsstofnunarEFTA.XaWttiaWYykjaeftir - s;knarvertaWhlj;taviWurkenningufyrirkerfiYarsemYaufyrirmlisemYarfaragegnnj;ta  meiriverndarYarsemekkierhgtaWbeita_riftunarreglum_Ԁlagaum_gjaldYrotaskipti_Ԁo.fl.um  YaueftiraWfyrirmlinteljastverakomininnkerfiW. a   LagtertilaWinnleittverWikvWi2.undirgreinarc-liWar5.mgr.1.gr.tilskipunar2009/ Y, 44/EB.InnleiWingkvWinuer_valkvW_ԀogvarsambrilegtkvWitilskipun98/26/EB $ semekkivarinnleittlgumnr.90/1999.XerlagttilaWheimiltverWiaWlta_;beinan_ԀYtt  takandasemYtttakanda,sYaWskilegtmeWtillititilkerfishttu.byrgWinhvlirY;enn   beina_Ytttakandanum_.  X   Um5.gr.      LagtertilaW6.mgr.1.gr.tilskipunar2009/44/EBsinnleidd4.gr.laganna.Meginregla    ngildandilagaer4.gr.YarsemkemurframaWgreiWslureru_;afturkallanlegar_ԀeftiraWYr   erukomnarinnkerfiW.MikilvgterviWbeitingulagannaaWskUrtshvenrfyrirmli |O  teljastverakomintilkerfisins.HvertkerfiskalYvskilgreinahvenrgreiWslurteljastvera G  komnarinnkerfiW.Xegarum_rekstrarsamhfW_ԀkerfieraWrWaermikilvgtaWreglurslkra   kerfasusamrmdar.0kvWinuerY;ekkilgWsskyldakerfiaWhafasamhfWarreglur   enlagtertilaW_rekstrarsamhfW_ԀkerfiskuliY;leitastviWaWsamrmakerfisn. {    0_st;rgreiWslukerfi_ԀSeWlabankanstelstgreiWslaverakominkerfiWYegarstaWfestermeW sF _sannanlegum_ԀhttifrkerfinuaWendanlegtuppgjrhafifariWframviWkomandifyrir > mlum.Fyrirmliteljasthinsvegarverakomin_jfnunarkerfi_Ԁ_GreiWsluveitunnar_ԀYegarYaW   hefurstaWfestm;ttkuYeirragagnvartYeimYtttakandasemgaffyrirmlin.    Um6.gr. j=   SjathugasemdirviW2.gr. 5   Um7.gr.    LagtertilaW10.mgr.1.gr.tilskipunar2009/44/EBsinnleidd8.gr.laganna.0n i gildandilgumnj;ta_veWtryggingar_Ԁverndareftil_gjaldYrotaskipta_ԀkemurhjYtttakanda,sbr. a4 8.gr.laganna.LagtertilaWsverndverWiltinntil_veWrttinda_ԀannarraaWilaeneingngu , Ytttakenda.EkkivartalinYrfaWinnleiWa2.undirgrein10.mgr.1.gr.semkveWurum  aW_veWrttindi_Ԁ_fjrmlagerningum_ԀskulifaraeftirlgumYesslandssemYeireruskrWirYar  semYaWerhinalmennareglasemgildir. `    Um8.gr. #" 1  SjathugasemdirviW2.gr. # & a   Um9.gr. !W%   MeWfrumvarpinuerlagttilaWYaukvWitilskipunar2009/44/EBsembreytakvWum O""& tilskipunar98/26/EBumendanlegtuppgjr'a!Ԁ_greiWslukerfum_Ԁog_uppgjrskerfum_ԀfyrirverW #' brfsutekinuppslenskanrtt.nnurkvWitilskipunarinnarvarWaefnisemlagtertil #( aWinnleittverWilgnr.46/2005,umfjrhagslegar_tryggingarrWstafanir_,ogmunsinn $ ) leiWingverWaunnin_innanrkisrWuneytinu_. {%N!*   Um10.gr. '",   VerWifrumvarpiWsamYykktmunulgintakabWitil_greiWslukerfa_Ԁog_verWbrfauppgjrs '#- kerfa_.LagtertilaWheitilagannaverWibreyttsamrmiviWframangreint. -   Um11.gr.  &  GreininYarfnastekkiskUringa. a  Fylgiskjal.   '  XAU?) dE? A^ X'    X FjrmlaogefnahagsrWuneyti,    fjrlagaskrifstofa:       Umsgnumfrumvarptillagaumbreytingulgumnr.90/1999, |O  umryggi_greiWslufyrirmla_Ԁ_greiWslukerfum_ G  (_greiWslukerfi_Ԁog_verWbrfauppgjrskerfi_).      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