WPC?( k7Dg'7li+C3~42 Vz{w:?yBz֗r]?J*3)9K-yL+pjViShV"$| fNY)٩*T(y^+D$>X8Hk!b,`yOby_:T˺ M}ط%|*i;ig@n #\W}[N=#J.I)+3_\,%adm1Z|9FK IaCɘ#c6f?%B5COWJ q[;4Ƌ>'jAvʀrHula3xRSa+eS% Dl47n|>ؔ-y:$M!< 8z=z#rQ풾1uM%*1Փ|J9GF7 4͢bDCM d|*8`UNv % 0 # 4> mw4^ -9ZH 0( B- 0; 0D2fvax:N 1 0yyyy 0 0 0u!! 0w3"3" 0"" 0G#G# 1u $ $ $ $ B$$$$$$$$$$$$$$$$$ 72%%%% 1%%%%%%%%%%%%%%%%%%%%%U:&&&&M&&&&D&&&&&&((&d9 Z6Times New Roman RegularX(y$,..,*TRW6&A4W6&A4 6&A4 6&A4T ? **0?vvbX0#ggdd  8*dd8ISUS,.     ^^` Adobe PDF  0W:\WP2000\SKJRI~IZ.WPTW:\WP2000\SkjritunY2k-nytt.wptUYFrirs?ggrF3|x8DocumentManagement::ModifiedBooleanTRUE($)Hairline d(%2 $ y!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? ;XX0?vvbX0#ggdd  8dd8ISUS,.     ^^`     0  0  (#$  0  TABLE A 0  y_   am',..,XXXX? ) XX0?vvbX0#ggdd  ISUS,.   ݀ikmo %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.(3m$ y!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? ;XX0?vvbX0#ggdd  8dd8ISUS,.     ^^`   (3m$ y!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? ;XX0?vvbX0#ggdd  8dd8ISUS,.     ^^`   (3G$ y!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? ;XX0?vvbX0#ggdd  8dd8ISUS,.     ^^`    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) d  gG+,..,XXXX? ) XX0?vvbX0#ggdd  ISUS,.   d  ݀qi) gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)4cp Z "Times Regular : em),..,XXXX? ) XX0?vvbX0#ggdd  ISUS,.   _>? Ҁ y!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? ) XX0?vvbX0#ggdd  8) dd8ISUS,.     ^^`   _ >?  _ikmo(%03q N144.lggjafarYing2014!2015. ( Xingskjal1236"4.ml.    2.umrWa.     d&)   Nefndarlit#)  d&#     umfrumvarptillagaumbreytinglgumumfjrhagslegartryggingarrWstafanir,   nr.4613.ma2005(EES-reglur,innleiWing).  X @T T Frefnahags-ogviWskiptanefnd.      NefndinhefurfjallaWummliWogfengiWsinnfundJ;nHelga:skarssonogVilhjlm   BjarnasonfrHagsmunasamtkumheimilannaogJ;nGunnarJ;nssonfrBankasUslu wO  rkisins.XbrustnefndinniumsagnirfrAlYUWusambandi0slands,BankasUslurkisinsog B  Hagsmunasamtkumheimilanna.Einnigbrustumsagnirumbreytingartillgurnefndarinnar    frFjrmlaeftirlitinuogSeWlabanka0slands.     NefndinfjallaWieinnigummliWsWastalggjafarYingi(316.ml143.lggjafarYingi) {  ennWiekkiaWafgreiWaYaWtil2.umrWu.ViWYumfjllunkomueftirfarandifund nF nefndarinnar:BryndsHelgad;ttirogIngaX;rey:skarsd;ttirfrinnanrkisrWuneytinu, 9 HjlmarS.Brynj;lfsson,GuWrnFinnborgX;rWard;ttirogBerglindHelgaJ;nsd;ttirfr  FjrmlaeftirlitinuogSigrWurRafnarPtursd;ttir,SigrWurBenediktsd;ttirogSigrWur  Logad;ttirfrSeWlabanka0slands.XbarstnefndinniumsgnummliWfrSeWlabanka r 0slands. e=   XrbreytingarsemlagWarerutilfrumvarpinueigar;tsnaaWrekjatilkvWatil 0 skipunarEvr;puYingsinsogrWsins2009/44/EB,fr6.ma2009,umbreytingutilskipun  98/26/EBumendanlegtuppgjrgreiWslukerfumoguppgjrskerfumfyrirverWbrfog  tilskipun2002/47/EBumsamningaumfjrhagslegartryggingarrWstafaniraWYvervarWar i tengdkerfiogskuldakrfur.ShlutikvWatilskipunar2009/44/EBsemfrumvarpiWvarWar \4 ertilkominnvegnabreytingasemhnhefurfrmeWsrkvWumtilskipunar2002/ ' 47/EB.Tilskipun2002/47/EBvarinnleiddslenskanrttmeWsetningulaganr.46/2005,um  fjrhagslegartryggingarrWstafanir.    FjrhagslegartryggingarrWstafanirfelasttvhliWasamningumumveWsetningueWa `  framsalverWbrfaeWareiWufjrtiltryggingarfjrhagslegumskuldbindingum.Einsogsegir S+! frumvarpinuerYUWingarmestabreytinginsaWreglurumsvokallaWarskuldakrfureru " felldarinnlginogverWifrumvarpiWsamYykktmunverWaheimiltaWveWsetjaeWaframselja # slkarkrfurtiltryggingarfjrhagslegumskuldbindingum.  $   FyrirnefndinnivorugerWarathugasemdirviWaWsvigrmviWinnleiWingutilskipunar !W% 2009/44/EBhefWiekkiveriWnUttviWgerWfrumvarpsins.VarYannigvsaWtilYessaWd-liW J""& 4.tlul.2.gr.tilskipunarinnarsEES-rkjumheimilaWaWkveWaaWskuldakrfurfalliutan #' gildissviWstilskipunarinnarefskuldarierneytandieinsoghannerskilgreindura-liW3.gr. #( tilskipunar2008/48/EBumlnssamningafyrirneytendur,eWarfyrirtkieWaltiWfyrirtki, $ ) nematryggingarhafieWatryggingarveitandislkraskuldakrafnaseinYeirrastofnanasem v%N!* umgeturb-liW2.mgr1.gr.tilskipunar2002/47/EB. A&"+   SkilningurnefndarinnareraWmarkmiWtilskipunar2009/44/EBsWrumYrWiaWfjlga  '", tiltkumtryggingumYvskyniaWeflasamkeppniogskapagreiWariaWgangaWlnsfinnan '#- ESB.AWmatinefndarinnarerYettamarkmiWskynsamlegtumhverfiESB-rkjannaYarsem (z$. N   y_   flWipeningahefurekkiveriWngilegtundanfarinr.fugstaWaerhinsvegaruppi0slandi ( YarsemmagnpeningaumferWerhelsttilofmikiW.Peningamagn(M3)umferWerum  Yessarmundirum1.600_ԀmilljarWarkr.semerum400milljrWumkr.meiraenriW2008.    0c-liW2.gr.frumvarpsinserlagttilaWsvigrmkvWisd-liWar4._tlul._Ԁ2.gr.tilskipunar a 2009/44/EBverWinUttYannhttaWneytendaln,sbr.lgnr.33/2013,umneytendaln, T, verWiaWmeginregluekkitalinskuldakrfur.TvrundantekningareruY;lagWartilfrfyrr  greindrimeginreglu;(1)neytendalnsemerufasteignalnog(2)neytendalnaWfjrhW  undir200evrumogyfir75.000evrummiWaWviWopinbertviWmiWunargengieinsogYaWer   skrWhverjusinnimunuteljastskuldakrfurnemaYegartryggingarhafieWatryggingar  X veitandierueinYeirrastofnanasemtaldareruupp2.tlul.1.gr.laganna.0srstkum K #  skUringumviW2.gr.frumvarpsinskemurm.a.framaWundanYgad-liWar4._tlul._Ԁ2.gr.    tilskipunar2009/44/EBsnUttafvarfrniendasmikilvgtaWYrkrfursemfelldarverWi    undirhugtakiWskuldakrafateljisttraustartryggingarYarsemtlamegiaWYrverWiseldar   eWanUttartilaWtakmarkahttuseWlabankaogfjrmlafyrirtkjaafeiginhttuskuldbind wO  ingum. B    Nefndint;ktilskoWunarhvernigsvigrmkvWisd-liWar_4._Ԁ_tlul._Ԁ2.gr.tilskipunar2009/    44/EBhefurveriWnUttviWinnleiWinguhennarnorsklg.SskoWunleiddilj;saWviW   innleiWingutilskipunarinnarnorsklgvarhugtakiWskuldakrafaskilgreintYannhttaW {  henniflistkrafaumgreiWslupeningasemr;tsnaaWrekjatillnssemlnastofnunhefur nF veittlntakasemerneytandi.0srstkumskUringumviWlagafrumvarpsemsWarvarWaW 9 lgumumbreytingunorskumlgumumfjrhagslegartryggingarrWstafanirkemurfram  aWsundanYgasemfelistYvaWundanskiljaskuldakrfurvegnalnatilneytendafeli  sraWframsalkrfuumendurgreiWslulnssemveitthefurveriWskuldarasemerneytandi r verWiekkinUttsemtrygging.XkemurframaWmeWneytandaYessumskilningisttviW e= einstakling(n.fysiskperson)semtekurlnogmarkmiWlntkunnarerekkiaWaflafjrtil 0 notaatvinnuskyni.    0kvWumfrumvarpsinsoglagaumfjrhagslegartryggingarrWstafanirfelastrkarheim  ildirtilframsalseignarrttindayfirfjrhagslegritryggingueWaveWsetningartiltryggingar i efndumfjrhagslegumskuldbindingum.KomitilvanefndaverWurveWhafam.a.heimiltaW \4 fullnustavanefndirnarmeWskuldajfnuWi,sluskuldakrafnaeWayfirtkueignarrttiyfir ' slkrikrfu.    AWmatinefndarinnarersleiWsemfarinvarviWinnleiWingutilskipunarinnarNoregi  hvaWlntilneytendavarWarskynsamleg.0slenskirneytendureigaaWjafnaWiviWskiptiviW `  slenskarlnastofnanir.KomiupperfiWleikarviWskiptasambandineytandaoglnastofnunar S+! msjfyrirsraWYaWveikistWuneytendasamningumviWlnastofnanirefbeineWa;bein " eignarrttindiyfirskuldakrfuhafafrsttilannarraaWilaskv.1.gr.frumvarpsins.Xmsj # fyrirsraWerfittkunniaWreynastfyrirstj;rnvldaWtryggjarttneytendaeftilYesskemur  $ aWlnastofnunverWurfyrirskakkafllumYannigaWstj;rnvldYurfaaWgrpainn_._ !W%   0lj;siframangreindsleggurnefndintilbreytinguc-liW2.gr.frumvarpsins.Breytingin J""& felursraWskuldakrafaverWurskilgreindYannigaWsvigrmd-liWar4._tlul._Ԁ2.gr.til #' skipunar2009/44/EBsaWfullunUtthvaWlntilneytendavarWar.XannigverWilntil #( neytenda,Y.e.einstaklingasemeigalnaviWskiptisemekkierugerWatvinnuskyni,undan $ ) Yeginskilgreininguhugtaksinsskuldakrafa.AfleiWingarnarverWaYraWlntilneytendageta v%N!* ekkiorWiWandlagfjrhagslegrartryggingarskilningi1.og2.mgr.3.gr.lagaumfjrhags A&"+ legartryggingarrWstafanir.ViWtfrslutillgunnarleitnefndintilskilgreiningarskulda  '", krfunorskrilggjf.MarkmiWiWeraWlnveittneytendumskilningilagannahafisjlf '#-  stttinntaksemer;hWhugtakinuneytendalnskilningilagaumneytendaln.fram (z$. verWurY;gertrWfyrirYvaWlntilneytendateljistskuldakrfurskilningi&   c-liWar2.gr. ( frumvarpsinsYegartryggingarhafieWatryggingarveitandierueinYeirra'(-stofnanasemtaldar  eruupp2.tlul.1.gr.einsogskiliWerd-liW4.tlul.2.gr.tilskipunar2009/44/EB.    0d-liW4.tlul.2.gr.tilskipunar2009/44/EBerEES-rkjumeinnigveittsvigrmtilaW a kveWaaWskuldakrfurfalliekkiundirgildissviWtilskipunarinnarefskuldarinnerrfyrirtki T, eWaltiWfyrirtkieinsogYaueruskilgreind1.gr.,2.og3.mgr.2.gr.viWaukaviWtilmli  framkvmdastj;rnarinnar2003/361/EBfr6.ma2003umskilgreiningunarfyrirtkjum  oglitlumogmeWalst;rumfyrirtkjum.0srstkumathugasemdumfrumvarpsinskemurfram   aWviWgerWYesshafiekkiY;ttstWatilYessaWnUtaundanYguheimildinahvaWvarWar  X rfyrirtkieWaltilfyrirtkiendahafislkfyrirtkiekkiveriWskilgreindslenskrilggjf K #  aukYesssemmikillmeirihlutislenskrafyrirtkjamunditeljastrfyrirtkieWaltilfyrir    tki.      AWmatinefndarinnarereWlilegtaWnUtaYaWsvigrmsemtilskipun2009/44/EBveitirviW   innleiWinguslenskanrtt.HraWframankomframaWskorturpeningumumferWerekki wO  tilstaWar0slandi.XeigasmurkviWumlntilrfyrirtkjaogltillafyrirtkjaogeiga B  viWtilvikilnatilneytendaaWbreyttubreytanda.      0frumvarpitillagaumvilnanirtilnUfjrfestinga0slandi(11.ml_YessaYings______)_Ԁkoma   framskilgreiningarlitlum,meWalst;rumogst;rumfyrirtkjumsems;ttareru_leiW {  beinandi_ԀreglurEftirlitsstofnunarEFTAumaWstoWviWrfyrirtki,ltilogmeWalst;r_fyrir nF tki._ԀXrskilgreiningarerusambrilegarYeimskilgreiningumsemkomaframviWaukaviW 9 tilmliframkvmdastj;rnarinnar2003/361/EB.NefndinleggurtilaWsvigrmd-liWar4.  tlul.2.gr.tilskipunar2009/44/EBverWinUttoglnsemveitterulnYegumsemeru_r  fyrirtki_ԀeWaltilfyrirtkiskilningi1.gr.,2.og3.mgr.2.gr.viWaukaviWtilmli_fram r kvmdastj;rnarinnar_Ԁ2003/361/EBfr6.ma2003umskilgreiningunarfyrirtkjumog e= litlumogmeWalst;rumfyrirtkjumteljistekkitilskuldakrafna.NefndinleggurYvtilaW 0 hugtkinrfyrirtkiogltiWfyrirtkiverWiskilgreindsrstaklegaogleggurtilbreytingar  tillguYessefnis.MeWrfyrirtkierYttviWfyrirtkisemhefurfrrien10starfsmenn  ogrlegaveltuog/eWaefnahagsreikningundir300_millj;num_Ԁ_kr;na._ԀMeWlitlufyrirtkier i ttviWfyrirtkisemhefurfrrien50starfsmennogrlegaveltuog/eWaefnahagsreikning \4 undir1,5milljrWumkr. '   AWaukileggurnefndintiltknilegalagfringufrumvarpinumeWYvaWfellabrottorWin  ?Fjrfestingarsj;WurEvr;pu rb-liW1.gr.tilaWforWasttvtekninguYarsemsj;Wurinner  nYegarnefndurframargreininni. `    NefndinleggurtilaWfrumvarpiWverWi samYykkt meWframangreindumbreytingumsem S+! gerWertillagaumsrstkuYingskjali. "   rniPllrnasonvarfjarverandiviWafgreiWslumlsins. #   AlYingi,22.aprl2015. !W% ?*ddd Xdd Xdd X>>,}",>",>","+  3)J""&J"" m3FrostiSigurj;nsson, "' form.,frsm. 9/#Z(##$$ 9LneikAnnaSvarsd;ttir. 8.")##$$ 8WillumX;rX;rsson. C9"* m ##$$ mCSteingrmurJ.Sigfsson. 9/V%.!+##$$ 9GuWmundurSteingrmsson. 8.V%.!,##$$ 8SigrWur.Andersen. G=V%.!- m ##$$ mGslaugMaraFriWriksd;ttir. ,"*'#.##$$ ,VilhjlmurBjarnason."*'#/ m   "