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S+!  y FjrmlafyrirtkjumberaWfylgjaviWurkenndumleiWbeiningumumstj;rnarhtti " fyrirtkja.0YvskyniskuluYaum.a.birtarlegayfirlUsinguumstj;rnarhttifyrirtkisins # srstkumkaflarsreikningieWarsskUrsluoggeragreinfyrirstj;rnarhttumsnum  $ vefsWufyrirtkisinsogbirtaYaryfirlUsinguumstj;rnarhttisna. !W%  y FjrmlafyrirtkiskaltilgreinavefsWunfnoghlutfallslegteignarhaldallraYeirrasem J""& eiga5%eWastrrihlutfyrirtkinu. #' @vv&`13.gr. $ )  y eftir19.gr.lagannakemurnUgrein,19.gr.a,samtfyrirsgn,svohlj;Wandi: v%N!* @"`BrskurWarnefnd. A&"+  y FjrmlafyrirtkiskalhafaaWgengilegarupplUsingarumrskurWar-ogrttarrrWi  '", viWskiptavinasinnaefgreiningurrsmilliviWskiptavinarogfjrmlafyrirtkis,m.a.um '#- mlskottilrskurWarnefndarumviWskiptiviWfjrmlafyrirtki. (z$.  y FjrmlafyrirtkjumerskyltaWeigaaWildaWrskurWarnefndumviWskiptiviW ( fjrmlafyrirtki.BrskurWarnefndumviWskiptiviWfjrmlafyrirtkistarfarsamkvmt  samningimilliefnahags-ogviWskiptarWherra,NeytendasamtakannaogSamtaka  fjrmlafyrirtkja,svoogsamkvmtsamYykktumerhnsetursr.FormaWurnefndarinnar a skalfullngjaskilyrWumtilYessaWverahraWsd;mari.NefndinkveWurupprkstudda T, rskurWiogverWurYeimekkiskotiWtilstj;rnvalda,enheimilteraWilummlsaWleggja  greiningsinnfyrird;mst;lameWvenjubundnumhtti.RWherraannastbirtingusamYykkta  nefndarinnarB-deildStj;rnartWinda.   @vv&`14.gr. K #   y eftir19.gr.lagannakemurnUgrein,19.gr.b,samtfyrirsgn,svohlj;Wandi:      UpplUsingarumviWskiptamenn.    m y FjrmlafyrirtkiskulusetjasrreglurumhvernighaldiWerutanumupplUsingarum   einstakaviWskiptamenn.0YeimskalkomaframhvaWastarfsmennhafiaWgengiaW wO  upplUsingunumstarfssnsvegna,hvernigstaWiWskuliaWmiWlunupplUsingatilinnraeftirlits, B  eftirlitsstj;rnvaldaoglgregluoghvernigeftirlitimeWframkvmdreglnannaerhttaW.    ReglurnarskuluveraaWgengilegarviWskiptavinum.   @vv&`15.gr. nF  y 8.tlul.1.mgr.20.gr.lagannaorWastsvo:XtttkutboWumverWbrfa, 9 Yj;nustuviWskiptasemtengjastslkumtboWumogtkuverWbrfatilviWskiptaskipulegum  verWbrfamarkaWi.  @vv&`16.gr. e=  y 0staWsWarimlsliWar1.mgr.22.gr.lagannakomafimmnUirmlsliWir,svohlj;Wandi: 0 Tilkynning,samtrkstuWningi,hraWltandiskalsendFjrmlaeftirlitinu.Hafi  viWskiptabanki,sparisj;WureWalnafyrirtki,eWad;tturflagYeirra,YurftaWgrpatil  aWgerWaskv.1.mlsl.ogtekiWyfira.m.k.40%eignarhlutviWskiptaaWilasnumskulu i kvWiVII.ogVIII.kaflalagaumverWbrfaviWskipti,nr.108/2007,gildaum \4 viWskiptaaWilanneftirYvsemviW.FjrmlaeftirlitinuerheimiltaWveitaundanYgufr ' kvWi3.mlsl.endasfjrhagslegriendurskipulagningulokiWinnansexmnaWafrYv  aWviWskiptabanki,sparisj;WureWalnafyrirtki,eWad;tturflagYeirra,h;fstarfsemina.  FjrmlaeftirlitiWmeturhvortfjrhagslegskilyrWi1.mlsl.suuppfylltogskal `  endurskipulagningulokiWWuren12mnuWireruliWnirfrYvaWstarfsemiskv.1.mlsl. S+! h;fst.FjrmlaeftirlitiWgeturframlengttmafrestskv.5.mlsl.ogskalums;knrkstutt " hvaWaatvikhindraslu. # @vv&`17.gr. !W%  y G-liWur1.tlul.1.mgr.25.gr.lagannaorWastsvo:Umsj;narmeWtboWifjrmlagerninga J""& nslutryggingarogtkuverWbrfatilviWskiptaskipulegumverWbrfamarkaWi. #' @vv&`18.gr. $ )  y OrWin?og29.gr. 5.mgr.28.gr.lagannafallabrott. v%N!* @vv&`19.gr.  '",  y 29.gr.lagannaorWastsvo: '#-  y SamanlagWureignarhluturfjrmlafyrirtkisogd;tturflagaYessmekkinemahrri (z$. fjrhWaWnafnverWien10%afnafnverWiinnborgaWshlutafjreWastofnfjrfyrirtkisins. ( EignistviWkomandimeiraafhlutafnueWastofnfnuvegnalkningarviWskipta,sbr.22.gr.,  skalslkttilkynntFjrmlaeftirlitinuntafar.FjrmlaeftirlitiWgeturveittalltaWYriggja  mnaWa& a fresttilaWkomaeignarhlutnumniWurlgmltmark.Umheimildir a fjrmlafyrirtkistilaWeignasteiginhlutigildaaWWruleytikvWiVIII.kafla T, hlutaflagalaga.'a{   y ViWtreikningskv.1.mlsl.1.mgr.skaltakatillittilframvirkrakaup-ogslusamninga  ogannarraafleiWusamningasemfjrmlafyrirtkihefurgertumeiginhlutabrf.   @vv&`20.gr. K #   y eftir29.gr.lagannakemurnUgrein,29.gr.a,samtfyrirsgn,svohlj;Wandi:    @vv#`Lnveitingar.     y FjrmlafyrirtkieWad;tturflgumYesser;heimiltaWveitalnsemerutryggWmeWveWi   hlutabrfumeWastofnfjrbrfumtgefnumafYv.SamagildirumaWrasamningas wO  undirliggjandihttaeiginbrf.FjrmlaeftirlitinuerheimiltaWgefatreglursem B  undanskiljatilteknasamningabanniskv.2.mlsl.endaaukiYeirekkitlnahttu    fjrmlafyrirtkis.    y Fjrmlafyrirtkier;heimiltaWveitastj;rnarmanni,framkvmdastj;ra,lykilstarfsmanni {  eWaYeimsemvirkaneignarhlutYv,eWaaWilannumtengslumviWframangreinda,ln nF eWaaWrafyrirgreiWslu,semtelsthttuskuldbinding,nemagegntraustumtryggingum. 9 FjrhWhttuskuldbindingarskv.1.mlsl.skalekkifarayfir1%afeiginfjrgrunnienm  Y;nemaalltaW100millj.kr.   y FjrmlaeftirlitiWseturreglurumtreikningfjrhWarhttuskuldbindingarskv.2.mgr. r ogumhvaWteljasttraustartryggingar. e=  y FjrmlaeftirlitiWseturreglurummeWhvaWahttilnsemerutryggWmeWhlutabrfum 0 eWastofnfjrbrfumannarsfjrmlafyrirtkiskomatiltreikningshttu-og  eiginfjrgrunniogmatieiginfjrYrftilaWtryggjaaWekkishttaaWlnveitinginskapi  kerfislgahttufjrmlakerfinu.ReglurnartakieinnigtilYessmeWhvaWahttimetaskal i lnsemerutryggWmeWveWieignasfnum,svosemvrslureikningumogverWbrfasj;Wum, \4 seminnihaldahlutabrfeWastofnfjrbrf,hvortsemYauerutgefinaffjrmlafyrirtkinu ' sjlfueWaWrumfjrmlafyrirtkjum,YannigaWsamrmistkvWum1.mgr.og1.mlsl.  Yessararmlsgreinar.   y kvWi1.og2.mgr.gildaumlnveitingard;tturflagaeftirYvsemviW. `  @vv&`21.gr. "  y 30.gr.lagannaorWastsvo: #  y httavegnaeinsviWskiptamannseWah;pstengdraviWskiptamannamekkifarafram  $ r25%afeiginfjrgrunnifjrmlafyrirtkis,sbr.84.og85.gr.LeikivafiYvhverjirteljast !W% tilh;pstengdraviWskiptamannaerfjrmlafyrirtkiskyltaWtengjaaWilasamannema J""& viWkomandifjrmlafyrirtkigetisUntframhiWgagnstWa.Samtalafyrirst;rarhttur #' mekkifarayfir800%afeiginfjrgrunnienmeWst;rrihttuerttviWYhttusem #( nemur10%eWameiraafeiginfjrgrunni. $ )  y MeWhttuskv.1.mgr.erttviWlnveitingar,verWbrfaeign,eignarhlutiogveittar v%N!* byrgWirfjrmlafyrirtkis,svoogaWrarskuldbindingargagnvartfjrmlafyrirtkinu. A&"+  y FarihttuskuldbindingarfjrmlafyrirtkisyfirYaumrksemkveWiWerum1.mgr.  '", skalYaWtilkynntFjrmlaeftirlitinuntafar.FjrmlaeftirlitiWgeturveittfyrirtkinufrest '#- tilaWkomaskuldbindingumsnumlgmtthorf.FjrmlaeftirlitiWseturnnarireglurum (z$. st;rarhtturfjrmlafyrirtkjaogfjrmlasamsteypa. ( @vv&`& , 22.gr.   y EftirfarandibreytingarverWa36.gr.laganna: a ! ! *(g00*"A0J"  A0J y2g  a  .3  Ԉ0    0staWorWanna?stj;rnunogfjrhagsstaWa 1.mlsl.4.mgr.kemur:stj;rnuneWa T, fjrhagsstaWa.',jA0J݌   Ќ  "A0J"  A0J  y2g  b  .3  Ԉ0    & a ViW5.mgr.btistnUrmlsliWur,svohlj;Wandi:Jafnframtskaltilkynna  FjrmlaeftirlitinuumfyrirhugaWalokuntibsinsinnanframangreindsfrests.A0J 8݌    Ќ  'a@vv&`23.gr. K #   y 0staWorWanna?stj;rnunogfjrhagsstaWa 1.mlsl.3.mgr.37.gr.lagannakemur:    stj;rnuneWafjrhagsstaWa.    @vv&`24.gr. wO   y 0staWorWanna?stj;rnunogfjrhagsstaWa 1.mlsl.2.mgr.38.gr.lagannakemur: B  stj;rnuneWafjrhagsstaWa.    @vv&`25.gr. {   y 0staWorWanna?traustogeftirlit 2.mlsl.39.gr.lagannakemur:trausteWaeftirlit. nF @vv&`26.gr.   y 40.gr.lagannasamtfyrirsgnorWastsvo:  @`TilkynningtilFjrmlaeftirlitsins. r  y AWilisemhyggsteignast,einnsreWasamstarfiviWaWra,virkaneignarhlut e= fjrmlafyrirtkiskaltilkynnaFjrmlaeftirlitinufyrirframumformsn.HiWsamaviW 0 hyggistaWili,einnsreWasamstarfiviWaWra,aukasvoviWeignarhlutsinnaWvirkur  eignarhluturfariyfir20%,25%,33%eWa50%eWanemisvost;rumhlutaaW  fjrmlafyrirtkiverWitaliWd;tturfyrirtkihans. i @vv&`27.gr. '  y 40.gr.alagannafellurbrott.  @vv&`28.gr. `   y 41.gr.lagannasamtfyrirsgnorWastsvo: S+! @`UpplUsingartilkynningu. "  y 0tilkynningutilFjrmlaeftirlitsinsskv.40.gr.skulufylgjaupplUsingarumeftirfarandi: # ! ! 4ABCD(%00*"A0J"  A0Jƙ y2%  1  .3  Ԉ0    NafnogheimiliYesssemhyggsteignasteWaaukaviWvirkaneignarhlut.A0Jƙ݌ $   Ќ  "A0J"  A0J y2%  2  .3  Ԉ0    NafnYessfjrmlafyrirtkissemfyrirhugaWeraWfjrfesta.A0J݌!W%   Ќ  "A0J"  A0J y2%  3  .3  Ԉ0    StrWYesshlutareWaatkvWisrttarsemfyrirhugaWeraWfjrfesta.A0JB݌J""&   Ќ  "A0J"  A0JI y2%  4  .3  Ԉ0    formumbreytingarverkefnumeWastj;rnendumfjrmlafyrirtkis.A0JIv݌#'   Ќ  "A0J"  A0Jq y2%  5  .3  Ԉ0    Fjrmgnunfjrfestingarinnar.A0Jq݌#(   Ќ  "A0J"  A0Jk y2%  6  .3  Ԉ0    FjrhagsstaWaYesssemhyggsteignasteWaaukaviWvirkaneignarhlut.A0Jk݌$ )   Ќ  "A0J"  A0J y2%  7  .3  Ԉ0    NverandiogfyrirhuguWviWskiptatengslYesssemhyggsteignasteWaaukaviWvirkan v%N!* eignarhlutviWhlutaWeigandifjrmlafyrirtki.A0JŠ݌A&"+   Ќ  "A0J"  A0J  y2%  8  .3  Ԉ0    ReynslaYesssemhyggsteignasteWaaukaviWvirkaneignarhlutaffjrmlastarfsemi.A0J M݌ '",   Ќ  "A0J"  A0JY y2%  9  .3  Ԉ0    Eignarhald,stj;rnarsetaeWannurYtttakaYesssemhyggsteignasteWaaukaviWvirkan '#- eignarhlutstarfsemiannarralgaWila.A0JY݌(z$.   Ќ  "A0J "  A0Jޤ y2%  10  .3  Ԉ0    &  RefsingarsemssemhyggsteignasteWaaukaviWvirkaneignarhluthefurveriWdmdur ( tilaWstaoghvortviWkomandistiranns;kn.'(xA0Jޤ ݌   Ќ  "A0J "  A0J y2%  11  .3  Ԉ0    NintengslYesssemhyggsteignasteWaaukaviWvirkaneignarhlutviWaWralgaWila.A0J݌   Ќ  "A0J "  A0Jȧ y2%  12  .3  Ԉ0    AWrarupplUsingarsemFjrmlaeftirlitiWtelurnauWsynlegarogbirtiropinberlega.A0Jȧ݌a   Ќ   y SssemhyggsteignasteWaaukaviWvirkaneignarhlutlgaWiliskuluupplUsingarskv. T, 1.mgr.eigaviWumlgaWilannsjlfan,stj;rnarmennhans,framkvmdastj;raogY  einstaklingaoglgaWilasemeigavirkaneignarhlutlgaWilanum.SkalYennfremur  upplUstumendurskoWandalgaWilans.SkuluupplUsingarnarstuddarggnumeftirYvsem   YaWviW.FjrmlaeftirlitinuerheimiltaWveitaundanYgurfrskilumupplUsingum  X YessumhafilgaWiliekkitkaWaflaYeirraeWaefssemhyggsteignasteWaaukaviW K #  virkaneignarhlutlUturopinberufjrmlaeftirlitiWrurkiogunnteraWaflasambrilegra    upplUsingafreftirlitsstj;rnvaldiYessrkis.SamaviWefaWilinnlUtureftirliti    Fjrmlaeftirlitsins.   @vv&`29.gr. B   y 42.gr.lagannaorWastsvo:     y EigisWarentveimurstarfsdgumeftirm;ttkutilkynningarskv.40.gr.skal   FjrmlaeftirlitiWstaWfestam;ttkuhennar.TeljiFjrmlaeftirlitiWaWaflaYurfitarlegri {  upplUsingaenYeirrasemupperutaldar1.mgr.41.gr.frYeimsemhyggsteignasteWa nF aukaviWvirkaneignarhlutgeturYaWkrafiWviWkomandiumYr.Slkkrafaskalsettframeigi 9 sWarenfimmtustarfsdgumeftirm;ttkutilkynningar.FjrmlaeftirlitiWhefursextu  starfsdagatilYessaWmetahvortYaWtelurYannsemhyggsteignasteWaaukaviWvirkan  eignarhluthfantilaWfarameWeignarhlutinn.S;skaWeftirviWb;tarupplUsingumfr r viWkomandi,sbr.2.mlsl.,btistbiWeftirupplUsingunumviWdagafjldaskv.4.mlsl.,Y; e= ekkiumframtuttuguvirkadaga.FjrmlaeftirlitinuerheimiltaW;skaaftureftirfrekari 0 upplUsingum.SlkbeiWnilengirekkiframangreindatmafresti.   y FjrmlaeftirlitiWleggurmathvortssemhyggsteignasteWaaukaviWvirkaneignarhlut  shfurtilaWeigaeignarhlutinnmeWtillititilheilbrigWsogtraustsreksturs i fjrmlafyrirtkis.SkalmatFjrmlaeftirlitsinsgrundvallastllumeftirfarandiatriWum: \4 ! ! 4ABCD(%00 4ABCD"A0J"  A0JA y2%  1  .3  Ԉ0    OrWsporiYesssemhyggsteignasteWaaukaviWvirkaneignarhlut.A0JAn݌'   Ќ  "A0J"  A0Ji y2%  2  .3  Ԉ0    OrWsporiogreynsluYesssemmunveitafjrmlafyrirtkinuforstWukomitilhinna  fyrirhuguWukaupaeWaaukningareignarhlutar.A0Ji݌   Ќ  "A0J"  A0J y2%  3  .3  Ԉ0    FjrhagsleguheilbrigWi(e.financialsoundness)YesssemhyggsteignasteWaaukaviW `  virkaneignarhlutfjrmlafyrirtkinu,einkummeWtillititilYessreksturssem S+! fjrmlafyrirtkiWhefur,eWamunhafa,meWhndum.A0J݌"   Ќ  "A0J"  A0J y2%  4  .3  Ԉ0    HvorttlamegiaWeignarhaldYesssemhyggsteignasteWaaukaviWvirkaneignarhlut # munitorveldaeftirlitmeWhlutaWeigandifjrmlafyrirtkieWahafahrifhvortYaW  $ munifylgjalgumogreglumsemumstarfsemiYessgilda.ViWmatYvskalm.a.horft !W% tilfyrrisamskiptaYesssemhyggsteignasteWaaukaviWvirkaneignarhlutviW J""& FjrmlaeftirlitiWog/eWannurstj;rnvld,tilYesshvortstaWafjrmlafyrirtkisins #' h;pifyrirtkjasemYaWmuntilheyrakunniaWmatiFjrmlaeftirlitsinsaWhindraYaW #( eWlilegumeftirlitsaWgerWumoghvortlgogreglur,semgildaumYannsemhyggst $ ) eignasteWaaukaviWvirkaneignarhlut,hindrieWlilegteftirlit.A0J݌v%N!*   Ќ  "A0J"  A0JG y2%  5  .3  Ԉ0    HvorttlamegiaWeignarhaldYesssemhyggsteignasteWaaukaviWvirkaneignarhlut A&"+ munileiWatilpeningaYvttiseWafjrmgnunarhryWjuverka,eWagetiaukiWlkuraW  '",  slktathfiverWiltiWviWgangastinnanhlutaWeigandifjrmlafyrirtkis.A0JGt݌'#-   Ќ   y &   EfssemhyggsteignasteWaaukaviWvirkaneignarhluterfjrmlafyrirtkieWa ( vtryggingaflagmeWstarfsleyfi'(WruaWildarrkieWam;WurflagslksaWilaeWa  einstaklingureWalgaWilisemhefuryfirrWyfirslkumaWila,ogefflagiWsemYessiaWili  hyggstWlastvirkaneignarhlutyrWid;tturflaghanseWalytiyfirrWumhanskjlfar a flunarYessaraeignarhluta,skalFjrmlaeftirlitiWhafasamrWviWviWeigandi T, eftirlitsstj;rnvldsamrmiviW3.mgr.2.gr.viWmatsitt.  & a @vv&`30.gr.    y 43.gr.lagannasamtfyrirsgnorWastsvo:  X   'a nTilkynningtilaWilasemtelstekkihfur. K #   y TeljiFjrmlaeftirlitiWYannsemhyggsteignasteWaaukaviWvirkaneignarhlutekkihfan    tilYessaWfarameWeignarhlutinnskalYaWtilkynnaviWkomandiumYaW.FjrmlaeftirlitiW    skalrkstyWjaniWurstWusnafyrirviWkomandi.    y NiWurstaWaFjrmlaeftirlitsinsskv.1.mgr.skalveraskriflegogtilkynntYeimsemhyggst wO  eignasteWaaukaviWvirkaneignarhluteigisWarentveimurvirkumdgumeftiraW B  niWurstaWanlfyrir.LigginiWurstaWaFjrmlaeftirlitsinsekkifyririnnanYesstmafrestssem    kveWiWerum42.gr.skallitiWsvoaWFjrmlaeftirlitiWhafiekkiathugasemdirviW   fyrirtlanirYesssemhyggsteignasteWaaukaviWvirkaneignarhluthlutaWeigandi {  fjrmlafyrirtki. nF @vv&`31.gr.   y 44.gr.lagannasamtfyrirsgnorWastsvo:  @`Drttur.EndurnUjuntilkynningar. r  y HafissemhyggsteignasteWaaukaviWvirkaneignarhluteigirWistYrfjrfestingar e= semhannhafWitilkynntFjrmlaeftirlitinuinnansexmnaWafrYvaWniWurstaWaYessl 0 fyrirskalhanntilkynnaYvaWnUjuumfyrirhugaWafjrfestingusna.kvWi40.!43.gr.  gildaYumYtilkynninguogviWbrgWFjrmlaeftirlitsinsviWhenni.  @vv&`32.gr. \4  y 45.gr.lagannasamtfyrirsgnorWastsvo: ' @cc`Tilkynningekkisend.   y NtilkynniraWilisemhyggsteignasteWaaukaviWvirkaneignarhlutFjrmlaeftirlitinu  ekkiumfyrirhuguWkaupsneWaaukninguvirkumeignarhlut,YrttfyriraWhonumsYaW `  skyltskv.40.gr.,ogfellurYniWuratkvWisrttursemfylgirYeimhlutumsemeruumfram S+! YaWsemhannttiWur.FjrmlaeftirlitiWtilkynnirviWkomandifjrmlafyrirtkiumbrottfall " atkvWisrttarinsfistofnuninvitneskjuumkaupineWaaukninguna.SkalFjrmlaeftirlitiW # krefjastYessaWhlutaWeigandisendiinntilkynningusamrmiviWkvWi41.gr.Um  $ mlsmeWferWferaWWruleytiskv.41.!43.gr.GeriFjrmlaeftirlitiWekkiathugasemdirviW !W% aWviWkomandiaWilieignisteWaaukiviWvirkaneignarhlutWlasthannatkvWisrtt J""& samrmiviWeignarhlutsinn.BeristtilkynninghlutaWeigandiekkiinnanfjgurraviknafr #' YvaWFjrmlaeftirlitiWkrafWisttilkynningargeturYaWkrafistYessaWhannseljiYannhluta #( eignarhlutarinssemerumframYaWsemhannttiWur.FjrmlaeftirlitiWseturtmamrkYv $ ) skyniogskalfresturinnekkiveraskemmrientveirmnuWir. v%N!*   A&"+ @vv&`& ,  33.gr. (  y 46.gr.lagannasamtfyrirsgnorWastsvo:  @`:hfuraWilieignasthlut.   y EignistaWilieWaaukiviWvirkaneignarhlut',(YrttfyriraWFjrmlaeftirlitiWhafikomistaW a YeirriniWurstWuaWhannsekkihfurtilaWeignasteWaaukaviWhlutsinnfellurniWur T, atkvWisrtturaWilaumframlgmarkYesshlutarsemtelstvirkureignarhlutur.ViWkomandi  aWilaerskyltaWseljaYannhlutaeignarhlutarinssemerumframYaWsemhannttiWurog  niWurstaWaFjrmlaeftirlitsinst;ktil.FjrmlaeftirlitiWseturtmamrkYvskyniogskal   fresturinnekkiveraskemmrientveirmnuWir.AWiliWlastfyrriatkvWisrttaWslulokinni.  X @vv&`& a 34.gr.     y eftir46.gr.lagannakemurnUgrein,46.gr.a,samtfyrirsgn,svohlj;Wandi:    @ `HmlurmeWferWhlut'a armeWantmafresturstendur.    y Kaupvirkumeignarhlutkomaekkitilframkvmdagagnvartfjrmlafyrirtkinusem wO  umrWirfyrrentmafresturFjrmlaeftirlitsinstilaWtakamliWtilskoWunarskv.42.gr.er B  liWinneWaniWurstaWaFjrmlaeftirlitsinsliggurfyrir,hafieftirlitiWtekiWtilkynninguumhin    fyrirhuguWukaupeWaaukningutilfrekariskoWunar.meWanFjrmlaeftirlitiWhefurekki   tilkynntumniWurstWusna,eWatmafresturskv.42.gr.erekkiliWinn,erYeimsemhyggst {  eignasteWaaukaviWvirkaneignarhlut;heimiltaWtakaYttkvrWunumumbreytingar nF fjrhagslegristWu,eignauppbyggingu,rekstri,starfsemioginnristarfsreglumnemaaW 9 fengnusrstkusamYykkiFjrmlaeftirlitsins.kvWi2.mlsl.eigaY;ekkiviWummeWferW  eignarhlutarsemaWilittifyrireWaerekkiumframvirkaneignarhlut.  @vv&`35.gr. e=  y 47.gr.lagannasamtfyrirsgnorWastsvo: 0 @tt`TilkynningeigandaumaWilaskipti.   y Hyggisteigandivirkseignarhlutardragasvorhlutafjr-eWastofnfjreignsinnieWa  atkvWisrttiaWhanneigiekkivirkaneignarhluteftirYaWskalhanntilkynnaYaW i FjrmlaeftirlitinufyrirframogeinnighvereignarhluturhansmuniverWa.Fari \4 eignarhluturinnniWurfyrir20%,25%,33%,50%eWasvomikiWaWfjrmlafyrirtkiWhttir ' aWverad;tturfyrirtkihlutaWeigandiskalYaWeinnigtilkynnt.SamaviWefhlutfallslegur  eignarhlutureWaatkvWisrtturrUrnarvegnahlutafjr-eWastofnfjraukningar.  @vv&`36.gr. S+!  y 48.gr.lagannasamtfyrirsgnorWastsvo: " @  `TilkynningfjrmlafyrirtkisumaWilaskipti. #  y Xegarhlutafjr-eWastofnfjreignfjrmlafyrirtkiferyfireWaundirYaumrksem  $ tilgreinderu40.gr.skalstj;rnYesstilkynnaFjrmlaeftirlitinuumYaWnstWulauss !W% drttar. J""&  y EigisjaldnareneinusinniriskalfjrmlafyrirtkitilkynnaFjrmlaeftirlitinuumY #' hluthafasemeigavirkaneignarhlutYvogumhlutafjreignhversYeirra.SamaviWum #( eigendurstofnfjr. $ )   v%N!* @vv&`&   37.gr. (  y 49.gr.lagannasamtfyrirsgnorWastsvo:  @!`UpplUsingaskylda.   y FjrmlaeftirlitiWgeturkrafisthverskonargagnaogupplUsingafreinstaklingumeWa a lgaWilumsemeigaeWafarameWeignarhlut'(ifjrmlafyrirtkiYvskyniaWmetahvortYeir T, falliundirtilkynningarskylduskv.40.gr.oghvortYeirteljisthfirtilaWfarameWvirkan  eignarhlutsamkvmtYessumkafla.FjrmlaeftirlitiWgeturkrafistsmuupplUsingafr  einstaklingumeWalgaWilumsemhafaselteignarhluteWahaftmillignguumviWskiptimeW   eignarhlut.LagakvWiumYagnarskyldutakmarkaekkiskyldutilYessaWveitaupplUsingar  X ogaWgangaWggnum. K #  @vv&`& X 38.gr.     y eftir49.gr.lagannakomatvrnUjargreinar,49.gr.aog49.gr.b,samtfyrirsgnum,   svohlj;Wandi: wO   y a.(49.gr.a.)    @`Raunverulegureigandi.    y LeikivafiYv,aWmatiFjrmlaeftirlitsins,hverseWaverWiraunverulegureigandivirks {  eignarhlutarskalYaWtilkynnaYeimsemse'X pnditilkynninguskv.40.gr.eWa nF fjrmlafyrirtkinusjlfu,efekkinsttilYesssemtilkynnti,aWeftirlitiWteljiviWkomandi 9 ekkihfantilYessaWfarameWeignarhlutinn.   y b.(49.gr.b.) r @#`Nintengsl. e=  y kvWi40.!49.gr.gildaumnintengsleftirYvsemviWgeturtt.Ekkimmyndanin 0 tengslnemasUntsaWYauhindriekkieftirlitmeWstarfsemiflagsins.  @vv&`39.gr. i  y 52.gr.lagannaorWastsvo: \4  y Stj;rnarmennskuluverabsettiraWildarrkieWarkisemeraWiliaWEfnahags-og ' framfarastofnuninni(OECD).Framkvmdastj;riskalverabsetturaWildarrki.  FjrmlaeftirlitinuerheimiltaWveitaundanYgufrbsetuskilyrWum.   y Stj;rnarmennogframkvmdastj;riskuluveralgrWaoghafa;flekkaWmannorWogmega `  ekkisWustufimmrumhafaveriWrskurWaWirgjaldYrota.XeirmegaekkitengslumviW S+! atvinnureksturhafahlotiWd;msWustu10rumfyrirrefsiverWanverknaWsamkvmt " almennumhegningarlgum,samkeppnislgum,lgumumhlutaflg,lgumum # einkahlutaflg,lgumumb;khald,lgumumrsreikninga,lgumumgjaldYrotaskiptio.fl.  $ ogkvWumlagaumstaWgreiWsluopinberragjalda,svoogsrlgumsemgildaumaWilasem !W% ltaopinberueftirlitimeWfjrmlastarfsemi. J""&  y Stj;rnarmennogframkvmdastj;rarskuluverafjrhagslegasjlfstWiroghafalokiW #' hsk;lapr;fisemnUtiststarfi.FjrmlaeftirlitiWgeturveittundanYgufrmenntunarkrfum #( skv.1.mlsl.grundvellireynsluogYekkingarviWkomandi.Jafnframtskulustj;rnarmenn $ ) ogframkvmdastj;rarbayfirngilegriYekkinguogstarfsreynslutilaWgetagegntstWu v%N!* sinnitilhlUWileganhtt,m.a.hafaYekkinguYeirristarfsemisemviWkomandi A&"+ fjrmlafyrirtkistundar.XeirmegaekkihafasUntafsrhttsemisemgefurtilefnitilaW  '", dragaefahfniYeirratilaWstandafyrirtraustumogheilbrigWumrekstrieWaaWYeirmuni '#- hugsanlegamisnotaaWstWusnaeWaskaWaflagiW.FjrmlaeftirlitiWseturreglurum (z$. fjrhagslegtsjlfstWistj;rnarmannaogframkvmdastj;raogumhvernigstaWiWskuliaW ( hfismati.   y Stj;rnarmennfjrmlafyrirtkisogstj;rnarmennannarseftirlitsskyldsaWilamegaekki  eigastistj;rnannarseftirlitsskyldsaWilaeWaaWilasemertengdurhonumnvera a starfsmenn,lgmenneWaendurskoWendurannarseftirlitsskyldsaWilaeWaflagannum T, tengslum.StarfsmnnumfjrmlafyrirtkiserekkiheimiltaWsitjastj;rnviWkomandi  fjrmlafyrirtkis.   y XrttfyrirkvWi4.mgr.geturstj;rnarmaWureWastarfsmaWurfjrmlafyrirtkistekiW   stistj;rnannarsfjrmlafyrirtkis,vtryggingaflagseWafjrmlasamsteypuefumeraW  X rWaflagsemeraWhlutaeWalluleytieigufjrmlafyrirtkisinseWaflagsemeraWhluta K #  eWalluleytieiguflagsmeWyfirrWfjrmlafyrirtkinu.Samagildirumlgmann    m;Wurflags.     y Stj;rnarsetaskv.5.mgr.skalhWYvaWhnskapiekki,aWmatiFjrmlaeftirlitsins,httu   hagsmunarekstrumfjrmlamarkaWi.0Yessusambandiskalm.a.horfttileignarhalds wO  aWilaogtengslaflagsinssemumrWirviWaWraaWilafjrmlamarkaWi,svooghvort B  tengslingetiskaWaWheilbrigWanogtraustanreksturfjrmlafyrirtkisins.     y FjrmlafyrirtkiskaltilkynnaFjrmlaeftirlitinuumskipanogsWaribreytingar   flagsstj;rnogframkvmdastj;raogskulutilkynningunnifylgjafullngjandiupplUsingar {  tilaWhgtsaWmetahvortskilyrWumgreinarinnarsfullngt. nF @vv&`40.gr.   y eftir52.gr.lagannakomaYrjrnUjargreinar,52.gr.a,52.gr.bog52.gr.c,samt  fyrirsgn,svohlj;Wandi: r  y a.(52.gr.a.) 0 @p p `Stj;rnfjrmlafyrirtkisboWartilaWalfundarflagsins.   y Stj;rnfjrmlafyrirtkisskalboWatilaWalfundarsamrmiviWlg,samYykktireWa  kvrWunaWalfundar.NboWarstj;rnekkitilfundarsamrmiviW1.mlsl.ogskalY i FjrmlaeftirlitiWboWatilhansaWkrfustj;rnarmanns,framkvmdastj;ra,endurskoWanda \4 eWaaWilasemeratkvWisbraWalfundi.FjrmlaeftirlitiWtilnefnirfundarstj;raYeim ' tilvikumogskalstj;rnafhendahonumskryfirYsemeruatkvWisbrir,gerWab;k  aWalfundaogendurskoWunarb;k.FlagiWgreiWirkostnaWviWaWalfundinn.   y b.(52.gr.b.) S+!  y Stj;rnm;WurflagsberaWtilkynnaFjrmlaeftirlitinuYegarmynduWerflagasamstWa " ogfjrmlafyrirtkiWlastyfirrWWruflagi.Einnigskaltilkynnaverulegarbreytingar # skipulagisamstWuYegarYrgangagildi.  $  y c.(52.gr.c.) J""&  y Stj;rnogframkvmdastj;riskuluntafargeraFjrmlaeftirlitinuviWvarthafiYeir #' vitneskjuummlefnisemhafarslitaYUWingufyrirframhaldandistarfsemiflagsins. #( @vv&`41.gr. v%N!*  y EftirfarandibreytingarverWa54.gr.laganna: A&"+ ! ! *(g004ABCD"A0J"  A0J y2g  a  .3  Ԉ0    LokamlsliWur2.mgr.orWastsvo:ReglurYessarskuluhlj;tastaWfestingu  '", Fjrmlaeftirlitsins.A0J ݌'#-   Ќ  "A0J"  A0J= y2g  b  .3  Ԉ0    ViWbtistnUmlsgrein,svohlj;Wandi:A0J=j݌(z$.   Ќ  "B"  BK0 y 2g3  0y y    e   Stj;rnarformannifjrmlafyrirtkier;heimiltaWtakaaWsrnnurstrffyrir ( flagiWenYausemteljasteWlilegurhlutistarfahanssemstj;rnarformanns,aW  undanskildumeinstkumverkefnumsemflagsstj;rninfelurhonumaWvinnafyrirsig.BKx݌   Ќ  @vv&`42.gr. T,  y 57.gr.lagannaorWastsvo:   y Stj;rnfjrmlafyrirtkisskalsetjareglur,semstaWfestarskuluafFjrmlaeftirlitinu,um  viWskiptiYessviWframkvmdastj;raoglykilstarfsmenn.Samningurfjrmlafyrirtkisum   ln,byrgWir,kauprtteWasambrilegviWskiptiviWframkvmdastj;raerhWursamYykki  X stj;rnarfyrirtkisins.kvrWunumslktskalb;kuWogtilkynntFjrmlaeftirlitinu.kvWi K #  YessarargreinargildaeinnigumYsemerunnumtengslumviWframkvmdastj;ra    fjrmlafyrirtkis.     y UmviWskiptifjrmlafyrirtkisogstarfsmannaYessfersamkvmtreglumsemstj;rn   fjrmlafyrirtkisseturogbirtarskuluopinberlega.SkuluYau,eftirYvsemkosturer,lta wO  smureglumogviWskiptiviWalmennaviWskiptamennsambrilegumviWskiptum. B  @vv&`43.gr.    y eftir57.gr.lagannakomatvrnUjargreinar,57.gr.aog57.gr.b,samtfyrirsgnum, {  svohlj;Wandi: nF  y a.(57.gr.a.)  @11"`Kaupaukakerfi.   y AWteknutillititilheildarafkomufjrmlafyrirtkisyfirlengritma,undirliggjandihttu r ogfjrmagnskostnaWar,erfjrmlafyrirtkiheimiltaWveitakauprtteWakaupaukagreiWslur e= samrmiviWreglursemFjrmlaeftirlitiWsetur.unninrttindistarfsmannasamkvmt 0 kaupaukakerfiskulufrWtilgjaldahverjurieftirYvsemreikningsskilareglurheimilaog  srstaklegagerWgreinfyrirYeimskUringummeWrsreikningi.   y b.(57.gr.b.) \4 @XX`Starfslokasamningur. '  y Fjrmlafyrirtkier;heimiltaWgerastarfslokasamningviWframkvmdastj;raeWa  lykilstarfsmannnemahagnaWurhafiveriWafrekstrifyrirtkisinssamfelltsWustuYrjr  starfstmahans.MeWstarfslokasamningigreinYessarierttviWhverskonarsamningasem `  gerWirerumilliframkvmdastj;raeWalykilstarfsmannsannarsvegarogfjrmlafyrirtkis S+! hinsvegarogkunnaaWfraYeimsemlturafstrfumhlunnindieWarttindiumfram " hefWbundnarlaunagreiWsluruppsagnarfresti. #  y HafihagnaWurveriWafrekstrifyrirtkisinssamfelltsWustuYrjrerheimiltaWgera  $ starfslokasamningaviWYsemtilgreindireru1.mgr.Slkirsamningarskuluveraformi !W% beinnalaunagreiWslnaogekkivaralenguren12mnuWieftirstarfslok.Um J""& starfslokasamningsemgerWurhefurveriWfyrirgildistkulagaYessaraenekkikomiWtil #' framkvmdagildakvWigreinarYessarar. #(  y HeimilterreglugerWaWkveWannarumskilyrWiogframkvmdstarfslokasamninga. $ ) SrstaklegaskalgeragreinfyrirslkumsamningumskUringummeWrsreikningi. v%N!* @vv&`&  44.gr.  '",  y 77.gr.lagannafellurbrott.' ' '#-  (z$. @vv&`45.gr. (  y EftirfarandibreytingarverWa84.gr.laganna:  ! ! *(g00*"A0J"  A0JU y2g  a  .3  Ԉ0    0staWorWanna?Yessarargreinar 3.mlsl.1.mgr.kemur:lagaYessaraaukreglugerWa  ogreglnasemsettarerumeWstoWYeim.A0JU݌a   Ќ  "A0J"  A0J y2g  b  .3  Ԉ0    5.mgr.orWastsvo:A0J݌T,   Ќ  "B"  B0 y 2g3  0y y    e   EiginfjrYtturAtelstverainnborgaWhlutaf,innborgaWstofnf,varasj;Wir,  yfirverWsreikningurhlutafjr,yfirverWsreikningurstofnfjr,endurmatsreikningur  samkvmtverWb;lgureikningsskilumog;rWstafaWeigiWfenaWfrdregnub;kfrWu   virWieiginhlutabrfaeWastofnfjrbrfa,viWskiptavild,reiknaWriskattinneignogWrum  X ;efnislegumeignum,svoogtapiogsamYykktriarWsthlutun.Ennfremurskaltakatillit K #  tilhlutdeildarminnihlutaeiginfd;tturflagasamkvmtsamstWureikningsskilum.    LeiWinvirWingskuldbindingatilmyndunareiginfjrskaldragaYaWeigiWffr    eiginfjrYttiA.MeWinnborguWuhlutafeWastofnferttviWaWgreiWslapeningum   (e.cashmoney)hafifariWfram.B݌wO    Ќ  "A0J"  A0J y2g  c  .3  Ԉ0    eftir10.mgr.kemurnUmlsgrein,svohlj;Wandi:A0J݌B    Ќ  "B"  B0 y 2g3  0y y    e   FjrmlaeftirlitinuerheimiltaWkveWareglumaWaWrirliWirenYeirsemerutaldir    5.mgr.dragistfreiginfjrgrunnifjrmlafyrirtkis.B݌    Ќ  @vv&`46.gr. nF  y EftirfarandibreytingarverWa85.gr.laganna: 9 ! ! *(g00*"A0J"  A0Jf" y2g  a  .3  Ԉ0    2.mlsl.1.mgr.fellurbrott.A0Jf""݌   Ќ  "A0J"  A0Ja# y2g  b  .3  Ԉ0    OrWin?1.mlsl. 2.mgr.fallabrott.A0Ja##݌   Ќ  @vv&`47.gr. e=  y ViW87.gr.lagannabtistnUmlsgrein,svohlj;Wandi: 0  y 0rsreikningiskaltilgreinaupplUsingarumlaunagreiWsluroghverskonargreiWslureWa  hlunnindiflagsinstilhversogeinsstj;rnarmannsogframkvmdastj;ra.Jafnframtskal  rsreikningitilgreinaupplUsingarumheildargreiWsluroghlunnindilykilstarfsmannaauk i upplUsingaumfjldaYeirra. \4 @vv&`48.gr.   y EftirfarandibreytingarverWa90.gr.laganna:   *(g00*"A0J"  A0J' y2g  a  .3  Ԉ0    ViW1.mgr.btistnUrmlsliWur,svohlj;Wandi:EndurskoWandieWa `  endurskoWunarfyrirtkiskalekkigegnaWrumstrfumfyrirfjrmlafyrirtkiW.A0J''݌S+!   Ќ  "A0J"  A0JK) y2g  b  .3  Ԉ0    2.mgr.orWastsvo:A0JK)x)݌"   Ќ   y 0   e   EndurskoWandaeWaendurskoWunarfyrirtkiskv.1.mgr.skalkj;satilfimmra # aWalfundifjrmlafyrirtkis.:heimilteraWkj;sasamaendurskoWandaeWa  $ endurskoWunarfyrirtkifyrrenaWfimmrumliWnumfrYvaWstarfstmaskv.1.mlsl. !W% lauk.XrttfyrirkvWi1.mlsl.geturfjrmlafyrirtkivikiWendurskoWandaeWa J""& endurskoWunarfyrirtkifrWurenfimmrakjrtmabililUkuraWfengnuliti #' endurskoWendarWs.#(   "A0J"  A0J, y2g  c  .3  Ԉ0    ViWbtistnUmlsgrein,svohlj;Wandi:A0J,-݌$ )   Ќ   y 0   e   EndurskoWendurflagseigarttaWsitjastj;rnar-ogflagsfundifjrmlafyrirtki v%N!* ogerskyltaWmtaaWalfundi.A&"+   @vv&`49.gr. '#-  y OrWin?sbr.2.mgr.18.gr. 1.mgr.92.gr.lagannafallabrott. (z$. Ї@vv&`50.gr. (  y ViW6.mgr.102.gr.lagannabtasttveirnUirmlsliWir,svohlj;Wandi:Nneytirslitastj;rn  heimildarsamkvmtframansgWutilaWgreiWakrfuraWhlutaeWafulluenekkihefurveriW  tillyktaleiddurgreiningurumviWurkenningukrfu,semYeimgtistaWiWjafnftis a rttindarW,ogskalYslitastj;rnleggjasrstakangeymslureikningfjrhWsemsvarartil T, greiWsluYeirrikrfueWaupphanaeinsogsgreiWslagtihstorWiWsamkvmt  krfugerWhlutaWeigandikrfuhafa.XegarendanlegniWurstaWahefurfengistumgreininginn  skalinnstWageymslureikningsinssamtfllnumvxtumgreiddkrfuhafanumaWYvleyti   semkrafahanshefurveriWviWurkennd,enfsemeftirkannaWstandareikningnumskal  X rennaafturtilfjrmlafyrirtkisins. K #  & a @vv&`51.gr.     y 2.mgr.107.gr.lagannafellurbrott.   'a 3@vv&`& a 52.gr. B   y 110.gr.lagannaorWastsvo:    'aBw4 y FjrmlaeftirlitiWgeturlagtstj;rnvaldssektirhvernYannsembrUturgegn:   ! ! 4ABCD(%00*"A0J"  A0J6 y2%  1  .3  Ԉ0    3.gr.umaWstarfsleyfisskyldstarfsemiskuliekkistunduWnstarfsleyfis,A0J6<6݌{    Ќ  "A0J"  A0J=7 y2%  2  .3  Ԉ0    8.gr.umtilkynningarumbreytingarWurskrWumupplUsingumumfjrmlafyrirtki,A0J=7j7݌nF   Ќ  "A0J"  A0Jw8 y2%  3  .3  Ԉ0    1.mgr.12.gr.umeinkarttfjrmlafyrirtkjatilaWnotafirmasnueWatilnnari 9 skUringarstarfsemisinniheitiYeirrartegundarfjrmlafyrirtkjasemfyrirtkiWhefur  starfsleyfifyrir,A0Jw88݌   Ќ  "A0J"  A0JO: y2%  4  .3  Ԉ0    3.mgr.17.gr.umaWfaraaWreglumFjrmlaeftirlitsins,A0JO:|:݌r   Ќ  "A0J"  A0Jk; y2%  5  .3  Ԉ0    17.gr.aumskyldutilaWhaldasrstakaskuldbindingaskrogupplUsingagjftil e= Fjrmlaeftirlitsins,A0Jk;;݌0   Ќ  "A0J"  A0J< y2%  6  .3  Ԉ0    2.mgr.17.gr.bumaWeftirlitsskylduraWiliskulifaraaWfyrirmlum  Fjrmlaeftirlitsins,A0J<<݌   Ќ  "A0J"  A0J> y2%  7  .3  Ԉ0    1.og2.mgr.19.gr.umaWstarfasamrmiviWeWlilegaogheilbrigWaviWskiptahttiog i venjurfjrmlamarkaWi,aWfaraaWreglumFjrmlaeftirlitsinsoghafaaWgengilegar \4 upplUsingarumrskurWar-ogrttarrrWi,A0J>K>݌'   Ќ  "A0J"  A0J @ y2%  8  .3  Ԉ0    2.mgr.21.gr.umtilkynningarskylduumhliWarstarfsemi,A0J @M@݌   Ќ  "A0J"  A0J8A y2%  9  .3  Ԉ0    22.gr.umtmabundnastarfsemiogyfirtkueigna,A0J8AeA݌   Ќ  "A0J "  A0JFB y2%  10  .3  Ԉ0    3.mgr.27.gr.umaWrekstrarflagis;heimiltaWeignastverWbrfmeWatkvWisrtti `  semgerirYvkleiftaWhafaveruleghrifstj;rnuntgefandaverWbrfa,A0JFBsB݌S+!   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