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Ќ  "C"  Ch0 y 0y y e2%  a  .3  Ԉ0    B;khaldsoglgfrWiYj;nustu.Ch i݌"   Ќ  "C"  C j0 y 0y y e2%  b  .3  Ԉ0    Xj;nustuviWviWskiptavini.C j8j݌#   Ќ  "C"  C6k0 y 0y y e2%  c  .3  Ԉ0    MativerWmtiverWbrfaogannarraeigna.C6kck݌ $   Ќ  "C"  Ckl0 y 0y y e2%  d  .3  Ԉ0    Innraeftirliti.Ckll݌!W%   Ќ  "C"  Cm0 y 0y y e2%  e  .3  Ԉ0    AWhaldaoguppfraskryfireigendurhlutdeildarskrteina.Cmm݌J""&   Ќ  "C"  Cn0 y 0y y e2%  f  .3  Ԉ0    BtreikningiinnlausnarvirWis.Cnn݌#'   Ќ  "C"  Co0 y 0y y e2%  g  .3  Ԉ0    Btgfuoginnlausnhlutdeildarskrteina.Cop݌#(   Ќ  "C"  Cq0 y 0y y e2%  h  .3  Ԉ0    UppgjriviWskipta.CqEq݌$ )   Ќ  "C"  C2r0 y 0y y e2%  i  .3  Ԉ0    VrsluhlutdeildarskrteinaoggagnaumviWskipti.C2r_r݌v%N!*   Ќ  "A0J "  A0Jks y2%  3  .3  Ԉ0    httustUringu.A0Jkss݌A&"+   Ќ  "A0J"  A0J\t y2%  4  .3  Ԉ0    MarkaWssetningu.A0J\tt݌ '",      '#- L  M    & ,  18.gr. ( L  M  Btvistunverkefnarekstrarflags.  ~uL  M   y RekstrarflagieraWeinsheimiltaWfelaWrumaWilumverkefniYausemkveWiWerum  17.gr.aWfengnusamYykkiFjrmlaeftirlitsins.',(uRekstrarflagierY;aldreiheimiltaW a tvistallverkefniskv.17.gr.Meirihlutiverkefnaskv.1.tlul.17.gr.skalunninninnan T, rekstrarflags.RekstrarflagskaltryggjaaWYj;nustuaWilihafihfni,getuogllleyfi,sem  krafistersamkvmtlgum,tilaWinnaafhenditvistuWverkefniafreiWanleikaog  fagmennsku.Verkefniskv.1.tlul.17.gr.erekkiheimiltaWfelavrslufyrirtkieWaWru   flagifarihagsmunirYessekkisamanviWhagsmunirekstrarflagsogeigenda  X hlutdeildarskrteina. K #   y byrgWrekstrarflagsgagnvarteigendumhlutdeildarskrteinahelst;breyttY;aWYaWfeli    Wrufyrirtkihlutaafverkefnumsnumskv.17.gr.     y FjrmlaeftirlitinuerheimiltaWsetjannarireglurumtvistunverkefnarekstrarflaga.   L  M    19.gr. B  L  M  G;WirviWskiptahttirogvenjur.    /{L  M   y RekstrarflagskalstarfrkjaverWbrfasj;WsamrmiviWg;WaviWskiptahttiogvenjur   meWtrverWugleikamarkaWarinsoghagsmunieigendahlutdeildarskrteinaaWleiWarlj;si. {  L  M    C.Vrslufyrirtki. 9  L  M  20.gr.  L  M  Starfsemivrslufyrirtkis.  |L  M   y UmsjogvarWveislaeignaverWbrfasj;WsskalfalinvrslufyrirtkisemhlotiWhefur r viWurkenninguFjrmlaeftirlitsins.FjrmunumverWbrfasj;WsskalhaldiWaWgreindumfr e= fjrmunumvrslufyrirtkis.Vrslufyrirtkiskal: 0 ! ! 4ABCD(%004ABCD"A0J"  A0J y2%  1  .3  Ԉ0    tryggjaaWsala,tgfa,endurkaup,innlausnog;gildinghlutdeildarskrteina  verWbrfasj;WsfarisamkvmtlgumogreglumhlutaWeigandiaWila,A0J݌   Ќ  "A0J"  A0JO y2%  2  .3  Ԉ0    tryggjaaWinnlausnarvirWihlutdeildarskrteinasreiknaWsamrmiviWlgogreglur i hlutaWeigandiaWila,A0JO|݌\4   Ќ  "A0J"  A0J y2%  3  .3  Ԉ0    framfylgjafyrirmlumrekstrarflagsnemaYausuandstWuviWlgogsamYykktir ' hlutaWeigandiaWila,A0J݌   Ќ  "A0J"  A0J% y2%  4  .3  Ԉ0    tryggjaaWviWskiptummeWeignirverWbrfasj;WssendurgjaldfyrirYrinntafhendi  innaneWlilegratmamarka,A0J%R݌`    Ќ  "A0J"  A0J y2%  5  .3  Ԉ0    tryggjaaWtekjumverWbrfasj;WssrWstafaWsamrmiviWlgogreglursj;Wsins.A0J̅݌S+!   Ќ  L  M    21.gr. # L  M  ViWurkenndiraWilar.  $ L  M   y ViWskiptabankar,sparisj;Wir,lnafyrirtki,verWbrfafyrirtkiogtibhliWstWra !W% erlendrafyrirtkjasemstarfahrlandigetahlotiWviWurkenningusemvrslufyrirtki. J""&  y :heimilteraWskiptaumvrslufyrirtkinsamYykkisFjrmlaeftirlitsins. #' L  M    22.gr. $ ) L  M  byrgW. v%N!* L  M   y VrslufyrirtkiberbyrgWgagnvartrekstrarflagiogeigendumhlutdeildarskrteinavegna A&"+ tj;nssemYeirkunnaaWverWafyrirogrekjamtilsetningseWagleysisstarfsmanna  '",  vrslufyrirtkisviWframkvmdverkefnaYessskv.20.gr. '#-  y &   VrslufyrirtkierheimiltaWfelaWrufyrirtki,semhftertilaWhlj;taviWurkenningu ( skv.21.gr.eWahefurstarfsleyfisemfjrmlafyrirtkioglUtursambrilegueftirlitiogflg  skv.21.gr.,varWveisluverWbrfaverWbrfasj;WsaWhlutaeWalluleyti.Nfelur  vrslufyrirtkiWrufyrirtkivarWveisluverWbrfaverWbrfasj;WsoghefurYaWenginhrif a byrgWvrslufyrirtkisgagnvartrekstrarflagiogeigendumhlutdeildarskrteinaskv.1. T, mgr.'(  L  M    D.Hlutdeildarskrteini. L  M     23.gr.  X L  M  Btgfahlutdeildarskrteina. K #  ͍L  M   y RekstrarflaggefurtskilrkifyrireignarrttindumaWverWbrfasj;Wiformi    hlutdeildarskrteinis,sbr.Y;3.mgr.     y AllirsemeigahlutdeildaWverWbrfasj;WieWaeinstakrideildhanseigasamartttiltekna   ogeignasj;Wsins,eWaviWkomandideildar,hlutfalliviWhlutdeildsnaogeru wO  hlutdeildarskrteininstaWfestingtilkallitileignarhlutdeildar. B   y RekstrarflagierekkiskyltaWgefathlutdeildarskrteininemaeigendurYeirra;skieftir    YvendagetiYeirhvenrsemeraflaWsrstaWfestingarhlutdeildsinnimeWWrumhtti.    y SuhlutdeildarskrteinigefintsemrafbrfverWbrfamiWstWgildaumtgfunalgum {  rafrnaeignarskrninguverWbrfa. nF  y HlutdeildarskrteiniskuluskrWnafneWasafnreikning,sbr.lgumverWbrfaviWskipti. 9  y HlutdeildarskrteinieruundanYegingreiWslustimpilgjalda.  L  M    24.gr. r L  M  UpplUsingarhlutdeildarskrteini. e= L  M   y 0hlutdeildarskrteiniskuluaWminnstakostieftirtalinatriWikomafram,sbr.Y;4.og5. 0 mgr.23.gr.:  ! ! 4ABCD(%004ABCD"A0J"  A0Jz y2%  1  .3  Ԉ0    NafnverWbrfasj;Ws,vrslufyrirtkisogrekstrarflags.A0Jz݌   Ќ  "A0J"  A0J y2%  2  .3  Ԉ0    Nafnogkennitalaupphaflegseigandaskrteinis.A0JĖ݌i   Ќ  "A0J"  A0J y2%  3  .3  Ԉ0    HvernighlutdeildarskrteiniverWiinnleystoghvaWareglurgildiumarWgreiWslur.A0JЗ݌\4   Ќ  "A0J"  A0Jݘ y2%  4  .3  Ԉ0    NafnogkennitalaframsalshafahafiskrteinigengiWkaupumogslumninnlausnar ' Yess.A0Jݘ ݌   Ќ   y HlutdeildarskrteiniskalveradagsettogundirritaWafstj;rnrekstrarflags.Nafnritunin  mveraprentuWeWasettframannansambrileganhtt. `  L  M    25.gr. " L  M  Skryfirhlutdeildarskrteini. # L  M   y Rekstrarflagskalhaldaskryfireigendurhlutdeildarskrteinasj;Wnum.0skrnniskulu  $ aWminnstakostieftirtalinatriWikomafram: !W% ! ! 4ABCD(%004ABCD"A0J"  A0J y2%  1  .3  Ԉ0    Nafnogkennitalaeiganda.A0JJ݌J""&   Ќ  "A0J"  A0J y2%  2  .3  Ԉ0    Sludagurskrteinis.A0J@݌#'   Ќ  "A0J"  A0J y2%  3  .3  Ԉ0    NafnverWskrteinis.A0J1݌#(   Ќ  "A0J"  A0J y2%  4  .3  Ԉ0    Heildarfjlditistandandiskrteina.A0J$݌$ )   Ќ   y Tilkynnaskaleigendaskiptihlutdeildarskrteinatilrekstrarflags.Slkartilkynningar, v%N!* samtWrumupplUsingumsemberastvarWandieignarhaldskrteinum,skulufrWarinn A&"+  skrnaogheimildartilkynningargetiW,sbr.Y;4.mgr.23.gr.  '",  y & a  EfhlutdeildarskrteinierskrWsafnreikningskalviWkomandifjrmlafyrirtkiveita ( rekstrarflagiupplUsingarumnfnogkennitlurraunverulegraeigenda,nafnverWskrteina  ogkaupdagYeirrahvenrsemrekstrarflag;skarYessenY;eigisjaldnarenmnaWarlega.'a(]  L  M    26.gr. T, L  M  StaWgreiWsla.  L  M   y HlutdeildarskrteiniverWbrfasj;WaverWaeinungisseldgegnstaWgreiWslukaupverWs.  L  M    E.Innlausn.  X  L  M  27.gr. K #  L  M  Innlausnarskylda.    5L  M   y HlutdeildarskrteiniskuluinnleystaWkrfueigendasamkvmtreglumverWbrfasj;Wsins.     y Xrttfyrir1.mgr.errekstrarflagiheimiltsamkvmtkvWumreglnasj;WsinsaWfresta   innlausnhlutdeildarskrteina.Frestunskalveraalmennogtakatilallrahlutdeildarskrteina wO  ogverWureinungisbeittmlisrstakarstWurmeWYvogsameiginlegirhagsmunireigenda B  hlutdeildarskrteinakrefjist.FrestuninnlausnskalekkivaralengurennauWsynkrefurog    skalYegartilkynntFjrmlaeftirlitinuoghlutdeildarskrteinishfumogtekurgildiviW   sendingutilkynningar.JafnframtskalfrestunauglUstopinberlega. {   y FjrmlaeftirlitiWgeturkrafistYessaWinnlausnhlutdeildarskrteinaverWifrestaWkrefjist nF hagsmunireigendaskrteinannaeWaalmenningsYess. 9  y ErfrestuninnlausnlUkurskaltilkynnaopnunsj;WameWsamahttioggetur2.mgr.  Varifrestunlengurenfj;rarvikursamfelltskaltilkynnaopnunsj;WameWbrfitil  hlutdeildarskrteinishafaeWaWrumsambrilegumhttisvoflj;ttsemauWiWer. r  y EftirlitsaWilumannarrarkjainnanEvr;pskaefnahagssvWisins,Yarsem e= hlutdeildarskrteiniverWbrfasj;WshafaveriWsettmarkaW,skaltilkynntumfrestun 0 innlausnasamkvmtkvWumYessarargreinar.  L  M    28.gr. i L  M  BtreikningurinnlausnarvirWis. \4 ȬL  M   y InnlausnarvirWihlutdeildarskrteinaverWbrfasj;WsermarkaWsvirWisamanlagWraeignaaW ' frdregnumskuldumsj;WsinsviWinnlausn,svosemskuldumhansviWinnlnsstofnanir,  ;greiddumumsUsluogstj;rnunarkostnaWi,innheimtukostnaWiogfllnumeWareiknuWum  opinberumgjldum,deiltniWurheildarfjldatgefinnaog;innleystrahlutdeildarskrteina. `  L  M   y RWherrageturreglugerWsettnnarireglurumtreikninginnlausnarvirWi S+! hlutdeildarskrteinaverWbrfasj;WaogmatmarkaWsvirWieigna. " L  M    29.gr.  $ L  M  AuglUsinginnlausnarvirWis. !W% hL  M   y InnlausnarvirWihlutdeildarskrteinaverWbrfasj;WaskalreiknaWdaglegaogauglUst J""& opinberlegaeigisjaldnarentvisvarmnuWi.FjrmlaeftirlitiWgeturkveWiWaWopinber #' auglUsinginnlausnarvirWisskulifaraframoftarefstWaYykirtil. #(   $ ) L  M    &   F.Fjrfestingarheimildir. (  L  M  30.gr.  L  M  Fjrmlagerningaroginnln.  L  M   y FjrfestingarheimildirsamkvmtYessumkaflatakatilverWbrfasj;WseWa,shann a deildaskipturskv.12.gr.,tileinstakradeildahans.VerWbrfasj;WiereingnguheimiltaW T, bindafsitteftirtldu:'(  ! ! 4ABCD(%004ABCD"A0J"  A0J y2%  1  .3  Ԉ0    FramseljanlegumverWbrfumogpeningamarkaWsgerningumsemuppfyllaeftirtalin  skilyrWi:A0J݌    Ќ  "C"  Cж0 y 0y y e2%  a  .3  Ԉ0    & a hafaveriWskrWeWatekintilviWskiptaskipulegumverWbrfamarkaWiL  M  samkvmt  X skilgreiningulagaumkauphallir,Cж݌K #    Ќ  'a "C"  C0 y 0y y e2%  b  .3  Ԉ0    gangakaupumogslumWrummarkaWiinnanEvr;pskaefnahagssvWisinssem    eropinnalmenningi,starfarreglulega,lUturopinberueftirlitiogerviWurkenndurmeW    YeimhttisemFjrmlaeftirlitiWmeturgildan,og/eWaC˸݌    Ќ  "C"  C0 y 0y y e2%  c  .3  Ԉ0    hafaveriWskrWeWatekintilviWskiptaskipulegumverWbrfamarkaWirkiutan wO  Evr;pskaefnahagssvWisinseWagangakaupumogslumWrummarkaWirki B  utanEvr;pskaefnahagssvWisinssemeropinnalmenningi,starfarreglulega,lUtur    opinberueftirlitiogerviWurkenndurmeWYeimhttisemFjrmlaeftirlitiWmetur   gildan.C݌{    Ќ  "A0J"  A0J y2%  2  .3  Ԉ0    NUtgefnumverWbrfum,endasskilmlumvegnatgfuYeirraskuldbindingL  M  umaW nF s;ttverWiumskrninguverWbrfannaskipulegumverWbrfamarkaWiL  M  L  M  skv.L  M  L  M  1.tlul. 9 SkrningverWbrfasamkvmtYessukvWiskalfaraframeigisWarL  M  enL  M  180dgumfr  tgfuYeirra.A0J½݌   Ќ  "A0J"  A0Ji y2%  3  .3  Ԉ0    HlutdeildarskrteinumverWbrfasj;Wa.EinnigerheimiltaWfjrfestaskrteinumL  M  annarra r sj;WaumsameiginlegafjrfestinguendasUniverWbrfasj;WirframYaWL  M  meW e= fullngjandihttiaWmatiFjrmlaeftirlitsinsaWYeirltisambrileguL  M  eftirlitiog 0 verWbrfasj;Wir,samstarfFjrmlaeftirlitsinsoglgbrrayfirvaldaL  M  heimarkissj;Wsins  stryggtmeWfullngjandihtti,verndhlutdeildarskrteinishafaL  M  stryggWmeW  sambrilegumhttiogverWbrfasj;Wum,einkumervarWarL  M  innlausnarrtt, i vrslufyrirtki,lnveitingar,lntkurogskortslu,oggefinstL  M  rsskUrslaog \4 rshlutauppgjraWminnstakostisexmnaWafresti.:heimilteraWL  M  fjrfesta ' verWbrfasj;WumogWrumsj;WumumsameiginlegafjrfestingusemL  M  fjrfesta,  samkvmtreglumsnum,meiraen10%eignasinnahlutdeildarskrteinum  L  M  verWbrfasj;WaeWahlutdeildarskrteinumeWahlutabrfumannarrasj;Waum `  L  M  sameiginlegafjrfestingu.A0Ji݌S+!   Ќ  "A0J"  A0J y2%  4  .3  Ԉ0    InnlnumfjrmlafyrirtkjasemhafastaWfesturkiinnanEvr;pska " efnahagssvWisins.X;erverWbrfasj;WiheimiltaWbindafinnlnum # fjrmlafyrirtkjameWstaWfestuutanEvr;pskaefnahagssvWisinssUnihannframL  M    $ meWfullngjandihttiaWmatiFjrmlaeftirlitsinsaWfjrmlafyrirtkinbiviW !W% L  M  sambrilegarreglurumhttuogeftirlitoggildainnanEvr;pskaL  M  efnahagssvWisins. J""& InnlnsamkvmtYessumtluliWverWaaWveraendurgreiWanlegL  M  aWkrfuinnlnseiganda #' meWaWhmarkit;lfmnaWabinditma.A0J?݌#(   Ќ  "A0J"  A0J y2%  5  .3  Ԉ0    AfleiWumsemskrWareruskipulegumverWbrfamarkaWisamkvmtskilyrWum1.tlul. $ ) ViWmiWafleiWnaskuluverafjrfestingarheimildirsamkvmtYessarigrein, v%N!* verWbrfavsitlur,vextir,gengiL  M  erlendragjaldmiWlaeWagjaldmiWlarsem A&"+ verWbrfasj;WnumerheimiltaWfjrfestasamkvmtkvWumreglnasj;Wsins.A0J<݌ '",   Ќ  "A0J"  A0J y2%  6  .3  Ԉ0    AfleiWumutanskipulegraverWbrfamarkaWa.ViWmiWafleiWnaskuluvera '#- fjrfestingarheimildirsamkvmtYessarigrein,verWbrfavsitlur,vextir,gengiL  M  erlendra (z$. gjaldmiWlaeWagjaldmiWlarsemverWbrfasj;WnumerheimiltaWfjrfestasamkvmt ( kvWumreglnasj;Wsins.GagnaWilarverWbrfasj;WsslkumafleiWuviWskiptumskulu  ltaeftirlitisemFjrmlaeftirlitiWmeturgilt.VerWmtislkrasamningaskalveraunnt  aWreiknadaglegameWreiWanlegumhtti.L  M  TryggtskalaWhgtsaWseljaslka a samningasamdgursraunvirWihverjusinni.A0J݌T,   Ќ  "A0J"  A0J y2%  7  .3  Ԉ0    PeningamarkaWsgerningumsemviWskiptierumeWutanskipulegraverWbrfamarkaWa.A0J݌   Ќ  L  M    &  31.gr.   L  M  AWrareignir.  X L  M   y XrttfyrirkvWi30.gr.erverWbrfasj;WiheimiltaWbindasemsvararalltaW10%af K #  eignumsnum;skrWumframseljanlegumverWbrfumogpeningamarkaWsgerningum.    '  y VerWbrfasj;Wier;heimiltaWeigameiraen10%reiWufeWaauWseljanlegumeignum    hverjumtma,nemaslktstilhagsb;tafyrirhlutdeildarskrteinishafa.Slkareignirmega   Y;ekkiverahlutiaffjrfestingarstefnusj;Wsins. wO   y VerWbrfasj;Wurgetur;skaWeftirheimildFjrmlaeftirlitsinstilaWeigameiraen10% B  reiWufeWaseljanlegumeignum.    L  M    32.gr. {  L  M  Yfirtakaeignaoghrvrur. nF L  M   y VerWbrfasj;WierheimiltntakmarkanaaWyfirtakaeignirtilaWtryggjafullnustukrfu. 9 Eignirnarskuluseldarjafnskj;ttogYaWertaliWhagkvmtogeigisWareninnannumnaWa  fryfirtkueignanna.FjrmlaeftirlitinuerheimiltaWveitalengrifrestsYaWYgu  hagsmunahlutdeildarskrteinishafa. r  y VerWbrfasj;Wier;heimiltaWfjrfestahrvrumeWaheimildarskrteinumfyrirYeim. e= L  M    33.gr.  L  M  EftirlitmeWhttu.  L  M   y RekstrarflgskuluhafayfiraWrWaeftirlitskerfisemgerirYeimkleiftaWvakta,metaog i stUrahttueinstakraeignaogeignasafnsverWbrfasj;Wahverjumtma.Fjrmlaeftirlitinu \4 erheimiltaWsetjannarireglurumslkteftirlitskerfi. ' L  M    34.gr.  L  M  AfleiWuviWskipti. `  L  M   y VerWbrfasj;WiervalltskyltaWeigahfilegarogngjanlegaverWmtareignirm;ti S+! metnuhmarkstapiafafleiWu.TilgrundvallarslkumatiskaltakamiWafverWmti " undirliggjandieigna,m;taWilahttu,ytriaWstWumfjrmlamrkuWumogYeimtmasem # YaWtekuraWfullnustaeWaseljaviWkomandiafleiWusamning.  $  y VerWbrfasj;WierheimiltaWeigaviWskiptimeWafleiWursvofremisemsamanlgWhtta !W% afleiWnaogundirliggjandieignasundirYeimmrkumsemumgetur35.gr.Eftirlitskerfi J""& skv.33.gr.skalmetameWfullngjandihttivirWiafleiWnautanskipulegra #' verWbrfamarkaWa. #(  y VerWbrfasj;WirskulugeraFjrmlaeftirlitinureglulegagreinfyrirafleiWuviWskiptum $ ) snumYvformisemFjrmlaeftirlitiWkveWur. v%N!*  y ViWskiptimeWafleiWurmegaekkiverWatilYessaWverWbrfasj;Wurvkifr A&"+ fjrfestingarstefnusinnieinsoghnersettframreglumsj;WsinsogtboWslUsingu.  '", L  M   y EfverWbrfeWapeningamarkaWsgerningurfelursrafleiWuskaltekiWmiWafYvYegar '#- krfursamkvmtYessarigreineruuppfylltar. (z$. ЇL  M    35.gr. ( L  M  HmarkfjrfestingarframseljanlegumverWbrfumoginnlnumsamatgefanda.  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"  y SamanlgWeignsj;WsinsverWbrfumtgefnumafWrumtengdumaWilum,sbr.lgum # fjrmlafyrirtki,skalekkiverameirien20%afeignsj;Wsins.  $  y TraustverWbrfskv.38.gr.eruundanYeginkvWum8.og9.mgr. !W%  y UmskyldurekstrarflagatilYessaWtengjasamanaWilafereftirlgumum J""& fjrmlafyrirtki. #' L  M    36.gr. $ ) L  M  Vsitlusj;Wir. v%N!* L  M   y XrttfyrirkvWi35.gr.erverWbrfasj;WiheimiltaWfjrfestaalltaW20%afeignsj;Wsins A&"+ hlutabrfumeWaskuldabrfumsamatgefandaefmarkmiWfjrfestingarstefnusamkvmt  '", reglumsj;WsinseraWendurspeglatilteknahlutabrfaeWaskuldabrfavsitlu.Vsitalanskal '#- hafafullngjandihttudreifingu,birtopinberlegaogendurspeglaviWkomandimarkaWmeW (z$. fullngjandihtti. (  y FjrmlaeftirlitiWgeturhkkaWheimildskv.1.mgr.35%efvgieinstgefanda  vsitlunniermeiraen20%.Fjrfestingyfir20%eraWeinsleyfWhlutabrfumeWa  skuldabrfumeinstgefanda. a L  M    & a 37.gr.  L  M  PeningamarkaWssj;Wir.  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" M  L  M    40.gr.  $ L  M  Takmarkanireignasafni. !W% L  M   y VerWbrfasj;Wier;heimiltaWeignastmeiraen: J""& ! ! 4ABCD(%004ABCD"A0J"  L  M  A0J\  y2%  1  .3  Ԉ0    10%afhlutabrfumnatkvWisrttareinstkuhlutaflagi,A0J\  ݌#'   Ќ  "A0J"  A0J  y2%  2  .3  Ԉ0    10%afskuldaskjlumeinstakratgefendaverWbrfa,Y;aldreiumfram25%hverri #( tgfu,A0J  ݌$ )   Ќ  "A0J"  A0J  y2%  3  .3  Ԉ0    25%afhlutdeildarskrteinumverWbrfasj;Wsogannarrasj;Waumsameiginlega v%N!* fjrfestingu,A0J  ݌A&"+   Ќ  "A0J"  A0J6  y2%  4  .3  Ԉ0    10%afpeningamarkaWsgerningumeinstakratgefenda.A0J6 c ݌ '",   Ќ  L  M    41.gr. (z$. L  M  LnogbyrgWir. ( ]L  M   y VerWbrfasj;Wier;heimiltaWveitalneWagangabyrgWfyriraWra,sbr.Y;heimildir  skv.30.gr.X;erheimiltaWveitaverWbrfalnsemhlutaafeWlilegrihttustUringu.  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S+! L  M    46.gr. # L  M  HeimildtilaWbannastarfsemierlendraverWbrfasj;WaL  M  .  $ h7L  M   y FjrmlaeftirlitinuerheimiltaWbannaerlendumverWbrfasj;Wiogfjrfestingarsj;WiaW !W% markaWssetjaskrteinisnhrlandihafihlutaWeigandiverWbrfasj;WureWa J""& fjrfestingarsj;WurbrotiWgr;flegaeWatrekaWgegnkvWumlagaYessara,reglumsettum #' samkvmtYeimeWagegnkvWumannarralagaumfjrmlastarfsemi.FjrmlaeftirlitiW #( geturendurnUjaWheimildsj;WsinstilmarkaWssetningargetisj;WurinnsUntframaWhann $ ) muniuppfyllaskilyrWilagaYessara. v%N!*   A&"+ L  M    &   47.gr. 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B  L  M    H.UpplUsingagjf L  M  .   49.gr. {  L  M  rsreikningurogrshlutauppgjr. nF fAL  M   y 0rsreikningiogrshlutauppgjrumrekstrarflagsskulusrgreindarupplUsingarum 9 verWbrfasj;WeWasrhverjadeildhans.RWherraerheimiltaWgefatreglugerWsemkveWur  nnarumsrgreindarupplUsingarumverWbrfasj;Wirsreikningumogrshlutauppgjrum  rekstrarflaga. r L  M    50.gr. 0 L  M  SundurliWunfjrfestinga.  CL  M   y RekstrarflagverWbrfasj;WaskalsendaFjrmlaeftirlitinuskUrsluumsundurliWun  fjrfestingaverWbrfasj;WaYvformisemFjrmlaeftirlitiWkveWur. i L  M    51.gr. ' L  M  BtboWslUsingogtdrtturrtboWslUsingu.  EL  M   y RekstrarflagskalgefattboWslUsinguogtdrttrtboWslUsingufyrirverWbrfasj;W.   y 0tboWslUsinguskulukomaframnauWsynlegarupplUsingartilaWfjrfestumskleiftaW `  metakostifjrfestingaviWkomandiverWbrfasj;Wi.0tdrttirtboWslUsinguskaldraga S+! frammeginatriWitboWslUsingar. "  y RekstrarflagskalsendaFjrmlaeftirlitinutboWslUsinguogtdrttrtboWslUsingu # kjlfarbreytingaYeim.  $ L  M    52.gr. 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J""& Standifrestunlengurenfj;rarvikursamfelltskaltilkynnaopnunsj;WameWbrfitil #' hlutdeildarskrteinishafaeWaWrumsambrilegumhtti. #(  y FjrmlaeftirlitiWgeturkrafistYessaWinnlausnhlutdeildarskrteinaverWifrestaWkrefjist $ ) hagsmunireigendaskrteinannaeWaalmenningsYess. v%N!*  y InnlausnarvirWihlutdeildarskrteinafjrfestingarsj;WaermarkaWsvirWisamanlagWraeigna A&"+ aWfrdregnumskuldumsj;WsviWinnlausn,svosemskuldumhansviWinnlnsstofnanir,  '", ;greiddumumsUsluogstj;rnunarkostnaWi,innheimtukostnaWiogfllnumeWareiknuWum '#- opinberumgjldum,deiltniWurheildarfjldatgefinnaog;innleystrahlutdeildarskrteina. (z$. ЇL  M    59.gr. ( L  M  Fjrfestingarheimildir.  ?vL  M   y FjrfestingarheimildirverWbrfasj;Waskv.30.!43.gr.eigaviWumfjrfestingar  fjrfestingarsj;WameWYeimundantekningumsemframkoma2.!7.mgr.NUti a fjrfestingarsj;WurheimildirYessakvWisskalYessskUrlegagetiWreglumsj;Wsins. T,  y kvWi3.tlul.30.gr.gildirekkiumfjrfestingarsj;Wi.Fjrfestingarsj;WierheimiltaW  fjrfestahlutdeildarskrteinumannarrasj;Waumsameiginlegafjrfestinguen  verWbrfasj;Waogfjrfestingarsj;WaalltaW20%afeignumsnum.    y kvWi1.mgr.31.gr.gildirekkiumfjrfestingarsj;Wi.Fjrfestingarsj;Wumerheimilt  X aWfjrfestantakmarkana;skrWumverWbrfumogpeningamarkaWsgerningum.Fjrfesting K #  verWbrfumeinstgefandamekkifarayfir10%afeignumfjrfestingarsj;Ws.    & a  y kvWi35.gr.gildaekkiumfjrfestingarsj;Wi.Umhmarkfjrfestingar    fjrfestingarsj;WaframseljanlegumverWbrfumoginnlnumsamatgefandagilda   eftirfarandireglur'a !{: wO  ! ! 4ABCD(%004ABCD"A0J"  A0J| y2%  1  .3  Ԉ0    ݀Fjrfestingarsj;WumerheimiltaW:A0J|}݌B    Ќ  "C"  C}0 y 0y y e2%  a  .3  Ԉ0    bindaalltaW20%afeignumsnumverWbrfumogpeningamarkaWsgerningum    tgefnumafsamatgefanda.X;erheimiltaWbindaalltaW35%afeignumsj;Ws   skrWumverWbrfumkauphllogpeningamarkaWsgerningumtgefnumafsama {  tgefanda,endasfjrfestingyfir20%aWeinsverWbrfumeinstgefanda,C}#~݌nF   Ќ  "C"  C0 y 0y y e2%  b  .3  Ԉ0    bindaalltaW30%afeignumsj;Wsinnlnumsamafjrmlafyrirtkis,C݌9   Ќ  "C"  C0 y 0y y e2%  c  .3  Ԉ0    bindaalltaW10%afeignumsj;WsviWskiptumviWsamaaWilameWafleiWurutan  skipulegraverWbrfamarkaWaefm;taWilierfjrmlafyrirtkiinnanEvr;pska  efnahagssvWisinseWafjrmlafyrirtkimeWstaWfestuutanEvr;pska r efnahagssvWisinssemlUtureftirlitisemFjrmlaeftirlitiWtelurgilt,C݌e=   Ќ  "C"  C0 y 0y y e2%  d  .3  Ԉ0    L  M  bindaalltaW35%verWbrfum,peningamarkaWsgerningumogafleiWumtgefnum 0 afsamatgefandaenYereinungisheimiltaWfjrfestayfir20%brfumfreinum  tgefanda.Xerfjrfestingarsj;WiheimiltaWbindaalltaW30%afeignumsj;Ws  innlnumsamafjrmlafyrirtkis.SamanlgWfjrfestingfjrfestingarsj;Ws i verWbrfum,peningamarkaWsgerningum,afleiWumoginnlnumsamatgefandam \4 aldreiverWahrrien40%,C݌'   Ќ  "C"  C0 y 0y y e2%  e  .3  Ԉ0    bindaalltaW35%afeignumsnumverWbrfumogpeningamarkaWsgerningumsem  eitteWafleirirkiinnanEvr;pskaefnahagssvWisinseWasveitarflgYeirra,  alYj;Wlegarstofnanir,semeitteWafleiriYessararkjaeruaWilaraW,eWarkiutan `  Evr;pskaefnahagssvWisinsgefateWabyrgjast.Fjrfestingeinniogsmu S+! verWbrfatgfunnimekkinemahrrifjrhWensemsvarartil30%afeignum " fjrfestingarsj;Ws.C݌#   Ќ  "A0J"  A0J8 y2%  2  .3  Ԉ0    EkkierheimiltaWleggjasamantakmarkanirerkomaframaogdliW1.tlul.A0J8e݌ $   Ќ  "A0J"  A0Jj y2%  3  .3  Ԉ0    AWilarsemteljasttilsmusamstWuskuluteljasteinnaWiliviWtreikningsamkvmt !W% Yessarimlsgrein.A0Jj݌J""&   Ќ  "A0J"  A0Jэ y2%  4  .3  Ԉ0    SamanlgWeignsj;WsinsverWbrfumtgefnumafaWilumtengdumrekstrarflaginueWa #' m;WurflagiYess,sbr.lgumfjrmlafyrirtki,skalekkiverameirien40%afeign #( sj;Wsins.A0Jэ݌$ )   Ќ  "A0J"  A0J y2%  5  .3  Ԉ0    SamanlgWeignsj;WsinsverWbrfumtgefnumafWrumtengdumaWilum,sbr.lgum v%N!* fjrmlafyrirtki,skalekkiverameirien40%afeignsj;Wsins.A0J֏݌A&"+   Ќ  "A0J"  A0JD y2%  6  .3  Ԉ0    TraustverWbrfskv.38.gr.eruundanYeginkvWum4.og5.tlul.A0JDq݌ '",   Ќ  "A0J"  A0Jl y2%  7  .3  Ԉ0    UmskyldurekstrarflagatilYessaWtengjasamanaWilafereftirlgumum '#- fjrmlafyrirtki.A0Jl݌(z$.   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B  kvWi23.!25.gr.umhlutdeildarskrteinigildaumsj;WisamkvmtYessarigrein.     y RekstrarflagberekkibyrgWskuldbindingumeinstakrafagfjrfestasj;Waogstanda   einvrWungueignirhverssj;WstilfullnustuskuldbindingumhversYeirra.kvWiYettavkur {  ekkitilhliWarskaWab;tabyrgWrekstrarflags. nF L  M    61.gr.  AWrirfagfjrfestasj;Wir.  v y WrumenrekstrarflgumverWbrfasj;WaerheimiltaWstofnasj;Wiumsameiginlega r fjrfestingusemekkiveitaviWtkuffralmenningi(fagfjrfestasj;Wi)oggefathlutabrf e= eWahlutdeildarskrteini.Fagfjrfestasj;WmstofnasemhlutaflageWaWruflagaformi. 0 Efsj;WurinngefurthlutdeildarskrteinigildakvWi23.!25.gr.eftirYvsemviW.    62.gr. i SameiginlegkvWi. \4  y :heimilteraWmarkaWssetjaeWakomafagfjrfestasj;WiframfriviWalmenning. '  y Fagfjrfestasj;WurskaltryggjaaWviWskiptavinirsniruppfylliskilyrWifyrirYvaWfariW  smeWYsemfagfjrfesta,sbr.kvWilagaumverWbrfasj;Wi.   y Setjaskalfagfjrfestasj;Wireglurogfjrfestingarstefnusemskuluvalltverafjrfestum `  aWgengilegar.Fagfjrfestasj;WurskuldbindursigtilaWfylgjaeftirYeirrifjrfestingarstefnu S+! semhannsetursr.0reglumsj;WsinsskaltilgreinaeWliogstWurmgulegra " hagsmunarekstra. #  y TilkynnaskalFjrmlaeftirlitinuumstofnunfagfjrfestasj;WsinnaneinsmnaWarfr  $ stofnunhans.SamhliWatilkynningutilFjrmlaeftirlitsinsskalsendaFjrmlaeftirlitinu !W% reglurogfjrfestingarstefnusj;Wsins.JafnframtskaltilkynnaFjrmlaeftirlitinuum J""& sj;Wstj;raogframkvmdastj;ra.AllarsWaribreytingarframangreinduskaltilkynna #' Fjrmlaeftirlitinutafarlaust. #(  y Fagfjrfestasj;WurskalveitaupplUsingarumeignasafnsj;Wsinsrsreikningiog $ ) hlfsrsuppgjrisemskalvalltveraaWgengilegtfjrfestum. v%N!*  y Sj;Wstj;rarskuluhafastaWistpr;fverWbrfaviWskiptum,sbr.53.gr.lagaum A&"+ fjrmlafyrirtki.  '",  y Fagfjrfestasj;WirskulugefaFjrmlaeftirlitinuskUrsluumsundurliWunfjrfestingavegna '#- sj;WarekstriYeirraYvformisemFjrmlaeftirlitiWkveWur. (z$.  y byrgWrekstrarflagseWafagfjrfestasj;WsgagnvarthlutdeildarskrteinishfumeWa ( hluthfumhelst;breyttY;ttYriWjaaWilasfalinnhlutiverkefnasemtengjastrekstrisj;Wsins.   y kvWi19.gr.umg;WaviWskiptahttiog63.gr.umeftirlitgildaumsj;Wisamkvmt  Yessumkafla. a L  M    &  V.KAFLI  L  M  EftirlitogreglugerW.   L  M  63.gr.   L  M  Eftirlit.  X ѧL  M   y FjrmlaeftirlitiWhefureftirlitmeWaWstarfsemiverWbrfasj;Wa,fjrfestingarsj;Waog K #  fagfjrfestasj;Wa,semogrekstrarflagaog'ݧvrslufyrirtkjaslkrasj;Wa,ssamrmiviW    lgYessiogreglugerWirsettarsamkvmtYeim.SkalFjrmlaeftirlitiWeigaaWgangaWllum    ggnumogupplUsingumhjYeimaWilumsemlgintakatilogYaWtelurnauWsynlegvegna   eftirlitsins.UmeftirlitiWgilda,eftirYvsemviWgeturtt,lgumopinberteftirlitmeW wO  fjrmlastarfsemi. B   y TeljiFjrmlaeftirlitiWaWstarfsemiaWilaskv.1.mgr.brj;tigegnkvWumlagaYessara,    reglugerWaogreglnasettrasamkvmtYeim,eWasaWWruleyti;eWlileg,;heilbrigWeWa   ;traust,geturYaWveittviWkomandihfileganfresttilrb;tanemabrotsualvarleg. {   y TeljiFjrmlaeftirlitiWaWstarfsemisamkvmtlgumYessumsstunduWntilskilinna nF leyfageturYaWkrafistgagnaogupplUsingahjviWkomandiaWilumeWahjeftirlitsskyldum 9 aWilumsemnauWsynlegerutilaWgangarskuggaumhvortsvos.GeturYaWkrafistYess  aWslkristarfsemishttYegarstaW.JafnframterYvheimiltaWbirtaopinberleganfn  aWilasemtaldirerubj;WaYj;nustuntilskilinnaleyfa. r L  M    64.gr. 0 L  M  ReglugerW.  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B  tekiWtillittilalvarleikabrots,hvaWYaWhefurstaWiWlengi,samstarfsviljahinsbrotlegaaWila    oghvortumtrekaWbroteraWrWa.kvarWanirumstj;rnvaldssektirskuluteknarafstj;rn   FjrmlaeftirlitsinsogeruYraWfararhfar.Sektirrennarkissj;WaWfrdregnumkostnaWi {  viWinnheimtuna.Sustj;rnvaldssektirekkigreiddarinnanmnaWarfrkvrWun nF FjrmlaeftirlitsinsskalgreiWadrttarvextiaffjrhWsektarinnar.UmkvrWunog 9 treikningdrttarvaxtafereftirlgumumvextiogverWtryggingu.   y Stj;rnvaldssektumverWurbeitt;hWYvhvortlgbroteruframinafsetningieWagleysi.  L  M  @vv&`66.gr. e= L  M   y HafiaWiligerstbrotlegurviWkvWilagaYessaraeWakvarWanirFjrmlaeftirlitsins 0 grundvelliYeirraerFjrmlaeftirlitinuheimiltaWljkamlinumeWsttmeWsamYykki  mlsaWila,endasekkiumaWrWameirihttarbrotsemrefsiviWurlgliggjaviW.Stter  bindandifyrirmlsaWilaYegarhannhefursamYykktogstaWfestefnihennarmeWundirskrift i sinni.FjrmlaeftirlitiWseturnnarireglurumframkvmdkvWisins. \4 L  M  @vv&`67.gr.  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