{\rtf1\adeflang1025\ansi\ansicpg1250\uc1\adeff0\deff0\stshfdbch0\stshfloch31506\stshfhich31506\stshfbi31506\deflang1051\deflangfe1051\themelang1051\themelangfe0\themelangcs0{\fonttbl{\f0\fbidi \froman\fcharset238\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};} {\f34\fbidi \froman\fcharset238\fprq2{\*\panose 02040503050406030204}Cambria Math{\*\falt Palatino Linotype};}{\f37\fbidi \fswiss\fcharset238\fprq2{\*\panose 020f0502020204030204}Calibri{\*\falt Century Gothic};} {\f40\fbidi \froman\fcharset238\fprq2{\*\panose 00000000000000000000}Times;}{\f41\fbidi \fswiss\fcharset238\fprq2{\*\panose 020b0604030504040204}Tahoma{\*\falt Tahoma};} {\flomajor\f31500\fbidi \froman\fcharset238\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}{\fdbmajor\f31501\fbidi \froman\fcharset238\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};} {\fhimajor\f31502\fbidi \froman\fcharset238\fprq2{\*\panose 02040503050406030204}Cambria{\*\falt Palatino Linotype};}{\fbimajor\f31503\fbidi \froman\fcharset238\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};} {\flominor\f31504\fbidi \froman\fcharset238\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}{\fdbminor\f31505\fbidi \froman\fcharset238\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};} {\fhiminor\f31506\fbidi \fswiss\fcharset238\fprq2{\*\panose 020f0502020204030204}Calibri{\*\falt Century Gothic};}{\fbiminor\f31507\fbidi \froman\fcharset238\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};} {\f2349\fbidi \froman\fcharset0\fprq2 Times New Roman{\*\falt Times New Roman};}{\f2348\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}{\f2350\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};} {\f2351\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}{\f2352\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};} {\f2353\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}{\f2354\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};} {\f2355\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}{\f2689\fbidi \froman\fcharset0\fprq2 Cambria Math{\*\falt Palatino Linotype};} {\f2688\fbidi \froman\fcharset204\fprq2 Cambria Math Cyr{\*\falt Palatino Linotype};}{\f2690\fbidi \froman\fcharset161\fprq2 Cambria Math Greek{\*\falt Palatino Linotype};} {\f2691\fbidi \froman\fcharset162\fprq2 Cambria Math Tur{\*\falt Palatino Linotype};}{\f2694\fbidi \froman\fcharset186\fprq2 Cambria Math Baltic{\*\falt Palatino Linotype};} {\f2695\fbidi \froman\fcharset163\fprq2 Cambria Math (Vietnamese){\*\falt Palatino Linotype};}{\f2719\fbidi \fswiss\fcharset0\fprq2 Calibri{\*\falt Century Gothic};}{\f2718\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr{\*\falt Century Gothic};} {\f2720\fbidi \fswiss\fcharset161\fprq2 Calibri Greek{\*\falt Century Gothic};}{\f2721\fbidi \fswiss\fcharset162\fprq2 Calibri Tur{\*\falt Century Gothic};}{\f2724\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic{\*\falt Century Gothic};} {\f2725\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese){\*\falt Century Gothic};}{\f2749\fbidi \froman\fcharset0\fprq2 Times;}{\f2748\fbidi \froman\fcharset204\fprq2 Times Cyr;}{\f2750\fbidi \froman\fcharset161\fprq2 Times Greek;} {\f2751\fbidi \froman\fcharset162\fprq2 Times Tur;}{\f2752\fbidi \froman\fcharset177\fprq2 Times (Hebrew);}{\f2753\fbidi \froman\fcharset178\fprq2 Times (Arabic);}{\f2754\fbidi \froman\fcharset186\fprq2 Times Baltic;} {\f2755\fbidi \froman\fcharset163\fprq2 Times (Vietnamese);}{\f2759\fbidi \fswiss\fcharset0\fprq2 Tahoma{\*\falt Tahoma};}{\f2758\fbidi \fswiss\fcharset204\fprq2 Tahoma Cyr{\*\falt Tahoma};} {\f2760\fbidi \fswiss\fcharset161\fprq2 Tahoma 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New Roman (Arabic){\*\falt Times New Roman};}{\flomajor\f31515\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};} {\flomajor\f31516\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}{\fdbmajor\f31520\fbidi \froman\fcharset0\fprq2 Times New Roman{\*\falt Times New Roman};} {\fdbmajor\f31519\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}{\fdbmajor\f31521\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};} {\fdbmajor\f31522\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}{\fdbmajor\f31523\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};} {\fdbmajor\f31524\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}{\fdbmajor\f31525\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};} {\fdbmajor\f31526\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}{\fhimajor\f31530\fbidi \froman\fcharset0\fprq2 Cambria{\*\falt Palatino Linotype};} {\fhimajor\f31529\fbidi \froman\fcharset204\fprq2 Cambria Cyr{\*\falt Palatino Linotype};}{\fhimajor\f31531\fbidi \froman\fcharset161\fprq2 Cambria Greek{\*\falt Palatino Linotype};} {\fhimajor\f31532\fbidi \froman\fcharset162\fprq2 Cambria Tur{\*\falt Palatino Linotype};}{\fhimajor\f31535\fbidi \froman\fcharset186\fprq2 Cambria Baltic{\*\falt Palatino Linotype};} {\fhimajor\f31536\fbidi \froman\fcharset163\fprq2 Cambria (Vietnamese){\*\falt Palatino Linotype};}{\fbimajor\f31540\fbidi \froman\fcharset0\fprq2 Times New Roman{\*\falt Times New Roman};} {\fbimajor\f31539\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}{\fbimajor\f31541\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};} {\fbimajor\f31542\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}{\fbimajor\f31543\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};} {\fbimajor\f31544\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}{\fbimajor\f31545\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};} {\fbimajor\f31546\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}{\flominor\f31550\fbidi \froman\fcharset0\fprq2 Times New Roman{\*\falt Times New Roman};} {\flominor\f31549\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}{\flominor\f31551\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};} {\flominor\f31552\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}{\flominor\f31553\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};} {\flominor\f31554\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}{\flominor\f31555\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};} {\flominor\f31556\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}{\fdbminor\f31560\fbidi \froman\fcharset0\fprq2 Times New Roman{\*\falt Times New Roman};} {\fdbminor\f31559\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}{\fdbminor\f31561\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};} {\fdbminor\f31562\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}{\fdbminor\f31563\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};} {\fdbminor\f31564\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}{\fdbminor\f31565\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};} {\fdbminor\f31566\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}{\fhiminor\f31570\fbidi \fswiss\fcharset0\fprq2 Calibri{\*\falt Century Gothic};} {\fhiminor\f31569\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr{\*\falt Century Gothic};}{\fhiminor\f31571\fbidi \fswiss\fcharset161\fprq2 Calibri Greek{\*\falt Century Gothic};} {\fhiminor\f31572\fbidi \fswiss\fcharset162\fprq2 Calibri Tur{\*\falt Century Gothic};}{\fhiminor\f31575\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic{\*\falt Century Gothic};} {\fhiminor\f31576\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese){\*\falt Century Gothic};}{\fbiminor\f31580\fbidi \froman\fcharset0\fprq2 Times New Roman{\*\falt Times New Roman};} {\fbiminor\f31579\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}{\fbiminor\f31581\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};} {\fbiminor\f31582\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}{\fbiminor\f31583\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};} 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\ltrrow\ts11\trleft0\trftsWidth3\trwWidth14322\trftsWidthB3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid555739\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth6379\clshdrawnil \cellx6379\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrnone \clbrdrb\brdrnone \clbrdrr\brdrnone \cltxlrtb\clftsWidth3\clwWidth7943\clshdrawnil \cellx14322\pard \ltrpar \ql \li0\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid15797618 {\rtlch\fcs1 \af37\afs25 \ltrch\fcs0 \f0\fs25\insrsid8868506\charrsid7810201 Po\'e8et vznesen\'fdch pripomienok, z\~toho z\'e1sadn\'fdch}{\rtlch\fcs1 \af37\afs25 \ltrch\fcs0 \f0\fs25\insrsid14094501\charrsid7810201 \cell }\pard \ltrpar\ql \li0\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid2237720 {\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid2237720 360 / 116}{\rtlch\fcs1 \af37\afs20 \ltrch\fcs0 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\par }\pard\plain \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\itap0\pararsid14094501 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f37\fs22\lang1051\langfe1033\cgrid\langnp1051\langfenp1033 {\rtlch\fcs1 \af37\afs20 \ltrch\fcs0 \f0\fs20\insrsid2237720 \par \ltrrow}\trowd \irow0\irowband0\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Subjekt\cell Pripomienka\cell Typ\cell Vyh.\cell Sp\'f4sob vyhodnotenia\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow0\irowband0\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\trowd \irow1\irowband1\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr \brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 ADDS\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K \'a7 32 ods. 2 }{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line K \'a7 32 ods. 2: Na konci navrhujeme doplni\'9d nasledovn\'e9: Toto ustanovenie sa nevz\'9dahuje na uzatv\'e1ranie zml\'fav t\'fdkaj\'face sa doplnkov\'e9ho d\'f4chodkov\'e9ho sporenia. zd\'f4 vodnenie:Navrhujeme, aby pri sprostredkovan\'ed doplnkov\'e9ho d\'f4chodkov\'e9ho sporenie nebolo potrebn\'e9 p\'edsomne informova\'9d klienta jednozna\'e8ne presn\'fdm a zrozumite\'ben\'fdm sp\'f4sobom alebo na inom trvanlivom m\'e9 diu o existencii, povahe a v\'fd\'9ake odmeny, ktor\'fa prij\'edma finan\'e8n\'fd agent za finan\'e8n\'e9 sprostredkovanie vo vz\'9dahu k uzatv\'e1ranej zmluve. Tento \'fadaj pova\'9eujeme za zm\'e4to\'e8n\'fd, nako\'beko doplnkov\'e9 d\'f4chodkov\'e9 spolo\'e8nosti maj\'fa vytvoren\'e9 komplikovan\'e9 prov\'edzne sch\'e9my, ktor\'e9 s\'fa ve\'bemi obsiahle. Dan\'e1 povinnos\'9d by znamenala aj roz\'9a\'edrenie dokument\'e1cie odovzd\'e1vanej klientovi pri sprostredkovan\'ed, \'e8 o by znamenalo jednak zv\'fd\'9aenie n\'e1kladov pre doplnkov\'e9 d\'f4chodkov\'e9 spolo\'e8nosti, ako aj zbyto\'e8n\'e9 za\'9da\'9eovanie klienta \'efal\'9a\'edmi dokumentmi, \'e8o by mohlo sp\'f4sobi\'9d opa\'e8n\'fd efekt ako zam\'fd\'9a\'bea z\'e1 konodarca v n\'e1vrhu tejto novely. Poukazujeme na skuto\'e8nos\'9d, \'9ee prov\'edzie v sektore doplnkov\'e9ho d\'f4chodkov\'e9ho sporenia s\'fa limitovan\'e9 z\'e1konom \'e8 650/2004 Z. z. o doplnkovom d\'f4chodkovom sporen\'ed. Z vy\'9a\'9aie uveden \'fdch d\'f4vodov navrhujeme vy\'f2a\'9d doplnkov\'e9 d\'f4chodkov\'e9 sporenie z povinnost\'ed, ktor\'e9 s\'fa definovan\'e9 v tomto navrhovanom z\'e1konnom ustanoven\'ed.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8920230 \par \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow1\irowband1\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 ADDS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K \'fa\'e8innosti z\'e1kona}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line K \'fa\'e8innosti z\'e1kona: navrhujeme posun\'fa\'9d \'fa\'e8innos\'9d navrhovanej novely z\'e1kona min. o jeden mesiac nesk\'f4r Zd\'f4vodnenie: Implement\'e1cia novely z\'e1kona o fin. sprostredkovan\'ed vy\'9eaduje v\'e4 \'e8\'9a\'ed \'e8as na pr\'edpravu, predov\'9aetk\'fdm zna\'e8n\'e9 syst\'e9mov\'e9 z\'e1sahy, preto navrhujeme posun\'fa\'9d term\'edn \'fa\'e8innosti novely. Smernica IDD, ktor\'e1 m\'e1 by\'9d transponovan\'e1 uv\'e1dza term\'edn implement\'e1 cie 23.02.2018.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9906735 \par A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow2\irowband2\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 ADSS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K \'e8l. I bod 31, \'a7 17 ods. 3 }{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line K \'e8l. I bod 31, \'a7 17 ods. 3 \endash Navrhujeme, aby sa do evidencie viazan\'fdch finan\'e8n\'fdch agentov nezapisovalo telef\'f3nne \'e8\'edslo a adresa elektronickej po\'9aty alebo aby zmeny z\'e1pisov t\'fdchto \'fa dajov neboli sp\'e4t\'e9 so zaplaten\'edm poplatku NBS. Zd\'f4vodnenie: Pod\'bea n\'e1\'9aho n\'e1zoru, predmetn\'e9 \'fadaje podliehaj\'fa pomerne \'e8ast\'fdm zmen\'e1m a predstavuj\'fa vy\'9a\'9aiu administrat\'edvnu aj n\'e1kladov\'fa z\'e1\'9da\'9e pre navrhovate\'beov. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8920230 \par N \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid8920230 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8920230\charrsid8920230 Navrhovan\'e1 \'faprava}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8920230 vypl\'fdva z\~po\'9eiadaviek NBS ako org\'e1nu doh\'beadu.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8920230\charrsid8920230 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8920230 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow3\irowband3\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 ADSS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K \'e8l\'e1nku I bod 57, \'a7 22 ods. 2}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line K \'e8l\'e1nku I bod 57, \'a7 22 ods. 2 \endash Navrhujeme, aby v sektore starobn\'e9ho d\'f4chodkov\'e9ho sporenia bolo osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie potrebn\'e9 vykona\'9d raz za 3 roky a odborn \'fa sk\'fa\'9aku rovnako raz za tri roky. Zd\'f4vodnenie: Pod\'bea n\'e1\'9aho n\'e1zoru vzh\'beadom na st\'e1le zni\'9euj\'facu sa po\'e8etnos\'9d legislat\'edvnych zmien v sektore starobn\'e9ho d\'f4chodkov\'e9ho sporenia sa ka\'9edoro\'e8n\'e1 frekvencia osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania a absolvovanie sk\'fa\'9aok jav\'ed ako nadbyto\'e8n\'e1, administrat\'edvne a ekonomicky neadekv\'e1tne za\'9da\'9euj\'faca. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid16320833 \par \par N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid16320833 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid16320833 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid16320833 Plat\'ed jednotn\'e1 \'faprava pre cel\'fd finan\'e8n\'fd trh.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid16320833\charrsid16320833 \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow4\irowband4\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 ADSS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K \'e8l\'e1nku I bod 57, \'a7 22 ods. 2 }{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line K \'e8l\'e1nku I bod 57, \'a7 22 ods. 2 \endash Navrhujeme, aby v sektore starobn\'e9ho d\'f4chodkov\'e9ho sporenia nebolo potrebn\'e9 opakova\'9d osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie a odborn\'fa sk\'fa \'9aku (v pr\'edpade odborn\'e9ho garanta) ka\'9ed\'fd rok. Zd\'f4vodnenie: Sme toho n\'e1zoru, \'9ee podstata starobn\'e9ho d\'f4chodkov\'e9ho sporenia a jeho pr\'e1vna \'faprava v s\'fa\'e8asnosti u\'9e nepodliehaj\'fa tak \'e8asto zmen\'e1m a s\'fa dostato\'e8ne zn\'e1me. Z tohto d\'f4vodu pova\'9eujeme absolvovanie osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania v tejto oblasti ka\'9ed\'fd rok za neefekt\'edvne a administrat\'edvne za\'9da\'9euj\'face. To ist\'e9 plat\'ed pod\'bea n\'e1\'9aho n\'e1 zoru aj o ka\'9edoro\'e8nom opakovan\'ed odbornej sk\'fa\'9aky v pr\'edpade odborn\'e9ho garanta v DSS. V sektore starobn\'e9ho d\'f4chodkov\'e9ho sporenia by posta\'e8ovalo absolvova\'9d osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie a odborn\'fa sk\'fa\'9a ku raz za 2 alebo 3 roky. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid16320833 \par \par \par N\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid16320833 \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid16320833 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid16320833 Plat\'ed jednotn\'e1 \'faprava pre cel\'fd finan\'e8n\'fd trh. }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid16320833 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow5\irowband5\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 AZZZ SR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 predlo\'9een\'e9mu n\'e1vrhu}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line nem\'e1 pripomienky\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \cell \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow6\irowband6\ltrrow\ts11\trqc\trleft-8\trbrdrt \brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 FOV \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 v\'9aeobecne}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line nem\'e1me pripomienky\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \cell \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow7\irowband7\ltrrow\ts11\trqc\trleft-8\trbrdrt \brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 GPSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 7. K \'e8l. I bodu 43 (\'a7 19 ods. 3)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame slov\'e1 \'84a\'9e po pr\'e1voplatnom ukon\'e8en\'ed konania\'93 nahradi\'9d slovami \'84nadobudnut\'edm pr\'e1voplatnosti rozhodnutia\'93 (legislat\'edvno-technick\'e1 pripomienka).\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid16320833 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid16199195 A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow8\irowband8\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb \brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt \clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 GPSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 9. K \'e8l. I bodu 55 (\'a7 21 ods. 12)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame slov\'e1 \'84ktor\'fd je dostupn\'fd na webovom s\'eddle N\'e1rodnej banky Slovenska\'93 nahradi\'9d slovami \'84zverejn\'ed N\'e1rodn\'e1 banka Slovenska na svojom webovom s\'eddle\'93.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid5925258 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid16320833 A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5925258 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid16320833 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow9\irowband9\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 GPSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 8. K \'e8l. I bodu 45 (\'favodn\'e1 veta noveliza\'e8n\'e9ho bodu)}{ \rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame slov\'e1 \'84vklad\'e1 20a a 20b\'93 nahradi\'9d slovami \'84vkladaj\'fa \'a7 20a a 20b\'93 (oprava zrejmej nespr\'e1vnosti).\cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid12396873 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12396873 \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid12396873 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5925258 A\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow10\irowband10\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 GPSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 2. K \'e8l. I bodu 12 [\'a7 4 p\'edsm. m)]}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame slovo \'84d\'e1vaj\'fa\'93 nahradi\'9d slovom \'84poskytuj\'fa\'93 (legislat\'edvno-technick\'e1 pripomienka).\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid12396873 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5925258 A\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow11\irowband11\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 GPSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 4. K \'e8l. I bodu 19 (\'a7 11c ods. 1)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame upravi\'9d \'e8lenenie odseku 1 tak, aby bolo v s\'falade s bodom 14 pr\'edlohy \'e8. 1 k Legislat\'edvnym pravidl\'e1m vl\'e1dy Slovenskej republiky (legislat\'edvno-technick\'e1 pripomienka). \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12396873 A \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid12396873 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12396873 \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow12\irowband12\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 GPSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 10. K \'e8l. I bodu 99 (\'a7 37d ods. 1)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame upravi\'9d \'favodn\'fa vetu odseku 1 tak, aby bolo jednozna\'e8ne vyjadren\'e9, ktor\'fd subjekt m\'e1 povinnos\'9d a teda aj pr\'e1vnu zodpovednos\'9d v pr\'edpade jej nesplnenia. Kon\'9a trukcia z\'e1konnej povinnosti \'84sa ... poskytn\'fa aj inform\'e1cie\'93 je neadresn\'e1 a teda nejednozna\'e8n\'e1, preto ju treba spresni\'9d. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid16320833 A \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12396873 \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid12396873 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12396873 A\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid16320833 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid16320833 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow13\irowband13\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 GPSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 5. K \'e8l. I bodu 40 (\'a7 18 ods. 18)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame v odseku 18 slovo \'84registrovan\'e9mu\'93 nahradi\'9d slovom \'84registrov\'e9mu\'93 (oprava zrejmej nespr\'e1vnosti).\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12396873 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow14\irowband14\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 GPSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 12. K \'e8l. I bodu 102 [\'a7 39 ods. 1 p\'edsm. a)]}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame v p\'edsmene a) na konci pripoji\'9d tieto slov\'e1: \'84a pou\'e8\'ed ich o pr\'e1vnych n\'e1sledkoch neodstr\'e1nenia nedostatku v ur\'e8enej lehote\'93 v z\'e1ujme prevent\'ed vneho p\'f4sobenia na osobu, ktor\'e1 m\'e1 odstr\'e1ni\'9d alebo napravi\'9d zisten\'e9 nedostatky.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12396873 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow15\irowband15\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 GPSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 6. K \'e8l. I bodu 40 (pozn\'e1mka pod \'e8iarou k odkazu 27a)}{ \rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame v pozn\'e1mke pod \'e8iarou k odkazu 27a namiesto odkazu na zru\'9aen\'fd \'a7 8 z\'e1kona \'e8. 371/2004 Z. z. a na Ob\'e8iansky s\'fadny poriadok uvies\'9d odkaz na Civiln\'fd mimosporov\'fd poriadok napr\'edklad na \'a7 279 (oprava zrejmej nespr\'e1vnosti).\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid12396873 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12396873 A\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow16\irowband16\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 GPSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 11. K \'e8l. I bodu 102 (\'a7 39 ods. 1)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame v \'favodnej vete odseku 1 vypusti\'9d slov\'e1 \'84v rozsahu z nich vypl\'fdvaj\'facom\'93 a slov\'e1 \'84N\'e1rodnou bankou Slovenska\'93 na konci \'favodnej vety ako nadbyto\'e8n\'e9 (legislat \'edvno-technick\'e1 pripomienka).\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid10235518 \'c8}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12396873 A \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid10235518 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid10235518 Prv\'e1 pripomienka nebola akceptovan\'e1., nako\'beko sa jedn\'e1 o\~zau\'9e\'edvan\'e9 slovn\'e9 spojenie.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid10235518\charrsid10235518 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow17\irowband17\ltrrow \ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 GPSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 1. K \'e8l. I bodu 1 [\'a7 1 ods. 1 p\'edsm. c)]}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame vypusti\'9d slovo \'84alebo\'93 ako nadbyto\'e8n\'e9.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid1931110 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow18\irowband18\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 GPSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 3. K \'e8l. I bodu 18 (\'a7 11 ods. 8)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame vypusti\'9d slovo \'84o\'93 ako nadbyto\'e8n\'e9 (legislat\'edvno-technick\'e1 pripomienka).\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12396873 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow19\irowband19\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 GPSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 14. K \'e8l. II k bodom 1 a 2}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame vypusti\'9d slovo \'84sa\'93 pred slovom \'84dop\'e5\'f2a\'93 ako nadbyto\'e8n\'e9 (legislat\'edvno-technick\'e1 pripomienka).\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12396873 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow20\irowband20\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 GPSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 13. K \'e8l. I bodu 102 (\'a7 39)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame z\'fa\'9ei\'9d ukladanie pok\'fat fyzick\'fdm osob\'e1m (do v\'fd\'9aky 700 000 eur) na okruh \'84fyzick\'fdch os\'f4b podnikate\'beov\'93 (legislat\'edvno-technick\'e1 pripomienka). \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid552215 N}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12396873 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid552215 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid552215 Ide o\~zau\'9e\'edvan\'e9 slovn\'e9 spojenie.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid552215 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow21\irowband21\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Klub 500 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K bodu 5 \'c8l\'e1nku I novely}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Bod 5 navrhujeme zmeni\'9d nasledovne: "V \'a7 1 ods. 3 p\'edsm. b) znie: b) sprostredkovate\'bea doplnkov\'e9ho poistenia, ak s\'fa s\'fa\'e8asne splnen\'e9 tieto podmienky: 1. poistenie je doplnkom tovaru alebo slu\'9e by dodanej poskytovate\'beom, ak tak\'e9to poistenie kryje 1a. riziko poruchy, straty alebo po\'9akodenia tovaru, alebo nevyu\'9eitia slu\'9eby poskytnutej t\'fdmto poskytovate\'beom YY, alebo 1b. po\'9akodenie alebo stratu bato\'9einy a in\'e9 rizik\'e1 spojen\'e9 s cestovan\'edm objednan\'fdm u tohto poskytovate\'bea 2. v\'fd\'9aka poistn\'e9ho zaplaten\'e9ho za poistn\'fd produkt nepresahuje 600 EUR vypo\'e8\'edtan\'fdch pomerne z ro\'e8n\'e9ho z\'e1 kladu, 3. odchylne od bodu 2, ak poistenie je doplnkov\'e9 k slu\'9ebe uvedenej v bode 1 a trvanie tejto slu\'9eby nepresahuje tri mesiace, zaplaten\'e9 poistn\'e9 na osobu nepresahuje 200 EUR. V tomto pr\'edpade sprostredkovate\'be doplnkov\'e9 ho poistenia nie je povinn\'fd sp\'e5\'f2a\'9d \'9eiadne \'efal\'9aie povinnosti vypl\'fdvaj\'face z tohto z\'e1kona, s v\'fdnimkou z\'e1pisu do registra a informa\'e8n\'fdch povinnost\'ed pod\'bea \'a7 31 a\'9e \'a7 37c tohto z\'e1kona.\'93 Pozn\'e1 mka pod \'e8iarou k odkazu yy znie: yy) najm\'e4 poistn\'e9 produkty pod\'bea Pr\'edlohy \'e8. 1 \'e8as\'9d A bod 3, bod 7, bod 10 p\'edsm. a), bod 14 p\'edsm. b) a c), bod 17 a bod 18) k z\'e1konu \'e8. 39/2015 Z.z. Od\'f4vodnenie: z navrhovan\'e9 ho znenia novely pod\'bea n\'e1\'9aho n\'e1zoru vypl\'fdva, \'9ee sprostredkovate\'be doplnkov\'e9ho poistenia bude povinn\'fd sp\'e5\'f2a\'9d podmienky pre v\'fdkon finan\'e8n\'e9ho sprostredkovania (v zmysle \'a7 11c ods. 2 a 3) bez oh\'beadu na to, \'e8i bude poskytova\'9d poistenie v zmysle navrhovan\'e9ho znenia \'a7 1 ods. 3 p\'edsm. b) alebo nie. Ustanovenia bodu 1a. navrhujeme z d\'f4vodu pr\'e1vnej neistoty previaza\'9d s konkr\'e9tnymi poistn\'fdmi produktami v zmysle pr\'edlohy \'e8. 1 k z \'e1kona \'e8. 39/2015 Z.z. o pois\'9dovn\'edctve a o zmene a doplnen\'ed niektor\'fdch z\'e1konov v znen\'ed neskor\'9a\'edch predpisov. \'da\'e8elom zavedenia in\'9atit\'fatu sprostredkovate\'bea doplnkov\'e9ho poistenia mal by\'9d, \'9ee tak\'fd to subjekt bude povinn\'fd poskytova\'9d klientovi rozsah inform\'e1ci\'ed pri poskytovan\'ed poistenia, ktor\'fd bude porovnate\'ben\'fd s in\'fdmi distribu\'e8n\'fdmi kan\'e1lmi, bude v\'9aak z\'e1rove\'f2 osloboden\'fd od niektor\'fdch administrat\'ed vnych povinnost\'ed a nebude musie\'9d sp\'e5\'f2a\'9d niektor\'e9 z\'e1konn\'e9 povinnosti a p\'f4jde celkovo o zjednodu\'9aen\'fd v\'fdkon finan\'e8n\'e9ho sprostredkovania. Navrhovan\'e1 pr\'e1vna \'faprava sprostredkovate\'bea doplnkov\'e9 ho poistenia str\'e1ca z\'e1kladn\'fd zmysel a \'fa\'e8el prijatia pr\'e1vnej \'fapravy sprostredkovate\'bea doplnkov\'e9ho poistenia a tak\'e1to transpoz\'edcia nesleduje \'fa\'e8el sledovan\'fd Smernicou o distrib\'facii poistenia. \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid1931110 \par \par \par \par N \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid1931110 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid1931110 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid1931110\charrsid1931110 Jedn\'e1 sa o\~\'faplne vyl\'fa\'e8en\'e9}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid1931110 subjekty. Sprostredkovate\'be doplnkov\'e9 ho poistenie je upraven\'fd v\~ustanoven\'ed \'a7 33 ods. 14.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid1931110\charrsid1931110 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow22\irowband22\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Klub 500 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K bodu 84 \'c8l\'e1nku I novely}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhovan\'e9 znenie: 84. V \'a7 33 ods. 4 p\'edsm. f) znie: "f) v\'fd\'9aku ak\'fdchko\'bevek platieb za finan\'e8n\'fa slu\'9ebu a in\'fdch ako be\'9en\'fdch platieb za finan\'e8n\'fa slu\'9ebu spolu s inform\'e1ciou o ka \'9edej takejto platbe." Od\'f4vodnenie: s\'fa\'e8asn\'e9 znenie navrhujeme doplni\'9d o novelou dopl\'f2ovan\'e9 \'fadaje. S\'fa\'e8asn\'fa pr\'e1vnu \'fapravu navrhujeme za praxou osved\'e8en\'fa a navrhujeme s\'fa\'e8asne platn\'e9 povinnosti doplni \'9d o navrhovan\'e9 znenie v zmysle novely. Je d\'f4le\'9eit\'e9, aby bol klient informovan\'fd jednak o z\'e1kladn\'fdch platb\'e1ch s\'favisiacich s finan\'e8nou slu\'9ebou tak ako tomu je v s\'fa\'e8asnosti, ako aj v novele navrhovan\'fdch in\'fd ch ako be\'9en\'fdch platb\'e1ch. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid1931110 N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid1931110 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid1931110 V\~predmetnom p\'edsmene ustanovenia s\'fa upraven\'e9 pr\'e1ve in\'e9 platby ako samotn\'e9 platby za finan\'e8n\'fa slu\'9ebu.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid1931110\charrsid1931110 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow23\irowband23\ltrrow \ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Klub 500 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K \'c8l\'e1nku II novely}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme doplnenie nov\'e9ho bodu do \'c8l\'e1nku II novely, ktor\'fd znie: "1. \'a7 70 sa dop\'e5\'f2a o odseky 9 a\'9e 23, ktor\'e9 znej\'fa: "(9) Pois\'9dov\'f2a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2 a z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ka pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu je povinn\'e1 zisti\'9d a zaznamena\'9d po\'9eiadavky a potreby klienta, jeho sk\'fasenosti a znalosti t\'fdkaj\'face sa pr\'edslu\'9a nej poistnej zmluvy a inform\'e1cie o jeho finan\'e8nej situ\'e1cii, a to s oh\'beadom na povahu poistnej zmluvy, ktor\'e1 je predmetom ponuky poistenia. Pri ponuke poistenia investi\'e8n\'fdch produktov zalo\'9een\'fdch na poisten\'ed je pois\'9dov\'f2 a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2a z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ka pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu povinn\'e1 zisti\'9d aj inform\'e1cie, t\'fdkaj\'face sa schopnosti klienta zn\'e1\'9aa\'9d straty a inform\'e1cie o investi\'e8n\'fdch cie\'beoch klienta vr\'e1tane jeho odolnosti vo\'e8i riziku, aby tak pois\'9dov\'f2a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2a z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ka pois\'9d ovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu mohla klientovi odporu\'e8i\'9d investi\'e8n\'e9 produkty zalo\'9een\'e9 na poisten\'ed, ktor\'e9 s\'fa pre neho vhodn\'e9 a ktor\'e9 predov\'9aetk\'fdm zodpovedaj\'fa postoju klienta k riziku a schopnosti zn \'e1\'9aa\'9d straty. Na po\'9eiadanie pois\'9dovne, pobo\'e8ky zahrani\'e8nej pois\'9dovne, pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ky pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu je klient povinn\'fd p\'ed somne alebo na inom trvanlivom m\'e9diu potvrdi\'9d jej splnenie povinnost\'ed pod\'bea druhej vety alebo tretej vety. (10) Ak ide o profesion\'e1lneho klienta v zmysle osobitn\'e9ho predpisu, pois\'9dov\'f2a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, pois \'9dov\'f2a z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ka pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu je opr\'e1vnen\'e1 predpoklada\'9d, \'9ee tento klient m\'e1 potrebn\'fa \'farove\'f2 sk\'fasenost\'ed a znalost\'ed, ktor\'e9 mu umo\'9e \'f2uj\'fa porozumie\'9d rizik\'e1m s\'favisiacim s pr\'edslu\'9anou poistnou zmluvou a tieto rizik\'e1 je schopn\'fd finan\'e8ne zvl\'e1dnu\'9d. (11) Pois\'9dov\'f2a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2a z in\'e9ho \'e8lensk\'e9ho \'9a t\'e1tu a pobo\'e8ka pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu je povinn\'e1 na z\'e1klade inform\'e1ci\'ed zisten\'fdch pod\'bea odseku 9 poskytn\'fa\'9d klientovi odborn\'fa pomoc, inform\'e1cie a odpor\'fa\'e8ania, ktor\'e9 s\'fa pre neho vhodn\'e9 s oh\'beadom na inform\'e1cie zisten\'e9 pod\'bea odseku 9. (12) Ak pois\'9dov\'f2a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2a z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ka pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu nezist\'ed inform\'e1cie pod\'bea odseku 9, nesmie klientovi pon\'faknu\'9d uzavretie poistnej zmluvy; to neplat\'ed, ak klient preuk\'e1zate\'bene odmietne poskytn\'fa\'9d inform\'e1cie pod\'bea odseku 9 a trv\'e1 na uzavret\'ed poistnej zmluvy. (13) Ak pois\'9dov\'f2a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2a z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ka pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu vyhodnot\'ed na z\'e1klade inform\'e1ci\'ed pod\'be a odseku 9, \'9ee poistn\'e1 zmluva je pre klienta vhodn\'e1, predlo\'9e\'ed klientovi vyhl\'e1senie o vhodnosti p\'edsomne alebo na inom trvanlivom m\'e9diu. Ak pois\'9dov\'f2a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2a z in\'e9ho \'e8lensk \'e9ho \'9at\'e1tu a pobo\'e8ka pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu vyhodnot\'ed na z\'e1klade inform\'e1ci\'ed pod\'bea odseku 9, \'9ee finan\'e8n\'e1 slu\'9eba nie je pre klienta vhodn\'e1, upozorn\'ed na t\'fato skuto\'e8nos\'9d klienta p\'edsomne alebo na inom trvanlivom m\'e9diu. (14) Inform\'e1cie uveden\'e9 v odseku 1, ktor\'e9 poskytuje pois\'9dov\'f2a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2a z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ka pois\'9d ovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu klientovi alebo potenci\'e1lnemu klientovi, musia by\'9d a) p\'edsomn\'e9 alebo na trvanlivom m\'e9diu alebo poskytnut\'e9 prostredn\'edctvom webov\'e9ho s\'eddla, b) \'fapln\'e9, presn\'e9, pravdiv\'e9 , zrozumite\'ben\'e9, jednozna\'e8n\'e9, preh\'beadn\'e9 a nezav\'e1-dzaj\'face, c) poskytnut\'e9 v slovenskom jazyku alebo v inom dohodnutom jazyku (15) Inform\'e1cie uveden\'e9 v odseku 1 mo\'9eno poskytn\'fa\'9d prostredn\'edctvom webov\'e9ho s\'ed dla, ak je ur\'e8en\'e9 osobitne pre klienta alebo ak s\'fa splnen\'e9 tieto podmienky: a) poskytnutie t\'fdchto inform\'e1ci\'ed prostredn\'edctvom webov\'e9ho s\'eddla je vhodn\'e9 s oh\'beadom na kontakt medzi pois\'9dov\'f2ou, pobo\'e8kou zahrani\'e8 nej pois\'9dovne, pois\'9dov\'f2ou z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8kou pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a klientom, b) klient s\'fahlasil s poskytnut\'edm t\'fdchto inform\'e1ci\'ed prostredn\'edctvom webov\'e9ho s\'ed dla, c) klient bol elektronicky informovan\'fd o adrese webov\'e9ho s\'eddla a o mieste na webovom s\'eddle, kde mo\'9eno z\'edska\'9d pr\'edstup k t\'fdmto inform\'e1ci\'e1m, d) je zabezpe\'e8en\'e9, \'9ee tieto inform\'e1cie s\'fa k dispoz\'ed cii na webovom s\'eddle primerane dlho na to, aby sa s nimi klient mohol obozn\'e1mi\'9d. (16) Poskytovanie inform\'e1ci\'ed pod\'bea odseku 1 s pou\'9eit\'edm in\'e9ho trvanliv\'e9ho m\'e9dia ne\'9e je p\'edsomn\'e1 forma alebo prostredn\'edctvom webov \'e9ho s\'eddla je mo\'9en\'e9 len v pr\'edpade, ak klient poskytol na tieto \'fa\'e8ely e-mailov\'fa adresu. (17) Ak s\'fa inform\'e1cie adresovan\'e9 neprofesion\'e1lnemu klientovi alebo potenci\'e1lnemu neprofesion\'e1lnemu klientovi, a) musia by\'9d presn\'e9 a nesm\'fa zd\'f4raz\'f2ova\'9d \'9eiadne potenci\'e1lne v\'fdhody poistnej zmluvy bez toho, aby z\'e1rove\'f2 presne a v\'fdrazne nepouk\'e1zali na ak\'e9ko\'bevek s\'favisiace rizik\'e1, b) musia by\'9d predkladan\'e9 tak\'fdm sp\'f4 sobom, o ktorom mo\'9eno predpoklada\'9d, \'9ee mu porozumie klient, ktor\'e9mu s\'fa inform\'e1cie ur\'e8en\'e9 alebo ktor\'fd bude ich pravdepodobn\'fdm pr\'edjemcom, c) nesm\'fa zaml\'e8ova\'9d alebo znejas\'f2ova\'9d d\'f4le\'9eit\'e9 skuto\'e8 nosti, vyhl\'e1senia alebo varovania a ani zni\'9eova\'9d ich v\'fdznam. (18) Ak ide o neprofesion\'e1lneho klienta, inform\'e1cie musia by\'9d poskytnut\'e9 v dostato\'e8nom \'e8asovom predstihu pred uzavret\'edm poistnej zmluvy na trvanlivom m\'e9 diu alebo prostredn\'edctvom internetovej str\'e1nky. (19) Povinnos\'9d poskytn\'fa\'9d inform\'e1cie na trvanlivom m\'e9diu sa pova\'9euje za splnen\'fa, ak sa inform\'e1cie poskytuj\'fa na inom trvanlivom m\'e9diu, ako je p\'edsomn\'e1 forma, ak a) poskytovanie inform\'e1ci\'ed na tomto trvanlivom m\'e9diu je vhodn\'e9 vzh\'beadom na okolnosti, za ktor\'fdch sa poistn\'e1 zmluva poskytuje neprofesion\'e1lnemu klientovi, b) si neprofesion\'e1lny klient z ponuky poskytnutia inform\'e1ci \'ed v p\'edsomnej forme alebo na inom trvanlivom m\'e9diu vopred zvolil t\'fato formu poskytnutia inform\'e1ci\'ed. (20) V inform\'e1ci\'e1ch poskytovan\'fdch klientom alebo potenci\'e1lnym klientom sa nesmie pou\'9e\'edva\'9d n\'e1zov N\'e1rodn\'e1 banka Slovenska ani n\'e1zov \'9eiadneho in\'e9ho pr\'edslu\'9an\'e9ho org\'e1nu sp\'f4sobom, ktor\'fd by vytv\'e1ral myln\'fd dojem, \'9ee tento org\'e1n podporil alebo schv\'e1lil poistn\'e9 slu\'9eby poskytovan\'e9 pois\'9dov\'f2ou, pobo\'e8 kou zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2ou z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8kou pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu. (21) Ak sa inform\'e1cie poskytovan\'e9 neprofesion\'e1lnemu klientovi alebo potenci\'e1 lnemu neprofesion\'e1lnemu klientovi odvol\'e1vaj\'fa na konkr\'e9tny da\'f2ov\'fd re\'9eim, mus\'ed v nich by\'9d v\'fdslovne uveden\'e9, \'9ee da\'f2ov\'fd re\'9eim z\'e1vis\'ed od individu\'e1lnej situ\'e1cie klienta a v bud\'facnosti sa m\'f4\'9e e zmeni\'9d. (22) Povinnos\'9d poskytn\'fa\'9d inform\'e1cie sa nevz\'9dahuje na poistenie ve\'bek\'fdch riz\'edk. (23) Ustanoveniami odsekov 1 a 9 a\'9e 22 nie s\'fa dotknut\'e9 ustanovenia osobitn\'fdch predpisov upravuj\'face poskytovanie inform\'e1ci \'ed." Od\'f4vodnenie: Navrhujeme doplni\'9d z\'e1kon \'e8. 39/2015 Z.z. o pois\'9dovn\'edctve a o zmene a doplnen\'ed niektor\'fdch z\'e1konov v znen\'ed neskor\'9a\'edch predpisov o povinnosti rovnocenn\'e9 s v\'fdkonom finan\'e8n\'e9 ho sprostredkovania, a to najm\'e4 o zapracovanie nasledovn\'fdch povinnost\'ed ktor\'e9 by sa mali rovnako vz\'9dahova\'9d na pracovn\'edkov finan\'e8n\'fdch in\'9atit\'faci\'ed pon\'fakaj\'facich poistenie: - \'a7 33 z\'e1kona \'e8 . 186/2009 Z.z. v rozsahu inform\'e1ci\'ed poskytovan\'fdch priamo o poistnom produkte po zapracovan\'ed novely (v zmysle ods. 3, ods. 4 p\'edsm. e), f), ods. 7 a\'9e 20 primerane), - \'a7 35 z\'e1kona \'e8. 186/2009 Z.z., - \'a7 37b z\'e1kona \'e8 . 186/2009 Z.z. (bod 96 novely), - \'a7 37d z\'e1kona \'e8. 186/2009 Z.z. (bod 96 novely). Smernica o distrib\'facii poistenia stanovuje, aby klient mal k dispoz\'edcii porovnate\'ben\'e9 inform\'e1cie o poistnom produkte a postup distrib\'fa cie poistenia bez oh\'beadu na to, ktor\'fd distribu\'e8n\'fd kan\'e1l vyu\'9eije. S prihliadnut\'edm na t\'fato skuto\'e8nos\'9d je potrebn\'e9, aby aj pracovn\'edci pois\'9dovne v r\'e1mci procesu uzatv\'e1rania poistnej zmluvy zis\'9dovali, \'e8 i poistn\'fd produkt je pre klienta a jeho aktu\'e1lne potreby vhodn\'fd a poskytovali mu \'efal\'9aie inform\'e1cie o poistnom produkte tak, aby klient vedel prija\'9d \'e8o najkvalifikovanej\'9aie rozhodnutie. \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8999337 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8999337 \par \par \par \par \par N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid8999337 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8999337 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8999337\charrsid8999337 Navrhovan\'e1 pripomienka je rie\'9aen\'e1 odkazom v\~\'e8l. 2 bod 2 novely z\'e1kona.\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow24\irowband24\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Klub 500 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K bodu 65 \'c8l\'e1nku I novely}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme vypusti\'9d cel\'fd bod 65 novely. Od\'f4vodnenie: nem\'e1me inform\'e1cie o tom, \'9ee by s\'fa\'e8asn\'fd pr\'e1vny stav sp\'f4soboval v praxi ak\'e9ko\'bevek aplika\'e8n\'e9 probl\'e9my. V pr\'edpade, \'9e e odborn\'e9ho garanta mus\'ed zriadi\'9d ka\'9ed\'fd aj podriaden\'fd finan\'e8n\'fd agent alebo viazan\'fd finan\'e8n\'fd agent, ide o zbyto\'e8n\'e9 administrat\'edvne opatrenie, ktor\'e9 pri spolo\'e8nostiach s jedn\'fdm konate\'beom a spolo\'e8n\'ed kom bez zamestnancov bude \'e8isto form\'e1lneho charakteru. Z\'e1rove\'f2 \'faprava zamedzuje tomu, aby kvalifikovane zdatn\'e1 osoba s dostato\'e8n\'fdmi sk\'fasenos\'9dami vykon\'e1vala \'e8innos\'9d odborn\'e9ho garanta pre viacer\'fdch podriaden\'fd ch finan\'e8n\'fdch agentov alebo viazan\'fdch finan\'e8n\'fdch agentov, \'e8o nepova\'9eujeme za spr\'e1vne. Vy\'9akolenie nov\'fdch odborn\'fdch garantov pre podriaden\'fdch finan\'e8n\'fdch agentov alebo viazan\'fdch finan\'e8n\'fd ch agentov je ekonomicky n\'e1ro\'e8n\'e9 a v niektor\'fdch pr\'edpadoch bude vies\'9d k zv\'fd\'9aeniu n\'e1kladov na za\'9akolenie nov\'fdch odborn\'fdch garantov bez primeran\'fdch sk\'fasenost\'ed, a teda d\'f4jde k zv\'fd\'9aeniu n\'e1 kladov pre podriaden\'fdch finan\'e8n\'fdch agentov alebo viazan\'fdch finan\'e8n\'fdch agentov a z\'e1rove\'f2 zn\'ed\'9eeniu v\'fdkonu kvality kontroly oproti s\'fa\'e8asn\'e9mu stavu. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14378324 A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow25\irowband25\ltrrow \ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Klub 500 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K bodu 73 \'c8l\'e1nku I novely}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme vypusti\'9d cel\'fd bod 73 novely. Od\'f4vodnenie: s\'fa\'e8asn\'e1 pr\'e1vna \'faprava umo\'9e\'f2uje vy\'9a\'9aiu ochranu finan\'e8n\'fdch z\'e1ujmov klienta. Nem\'e1me inform\'e1cie o tom, \'9ee by s\'fa\'e8asn \'fd pr\'e1vny stav sp\'f4soboval v praxi ak\'e9ko\'bevek aplika\'e8n\'e9 probl\'e9my. Vzh\'beadom na to, \'9ee novela roz\'9airuje mo\'9enosti inkasovania poistn\'e9ho, navrhujeme ponecha\'9d osobitn\'fa \'fapravu, ktor\'e1 umo\'9e\'f2uje chr\'e1ni\'9d zo strany klienta zaplaten\'e9 poistn\'e9 pred pr\'edpadn\'fdmi finan\'e8n\'fdmi probl\'e9mami jednotliv\'fdch finan\'e8n\'fdch agentov. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 { \rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14378324 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14378324 \par \par N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid14378324 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14378324 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14378324 Navrhovate\'be na rozporovom konan\'ed d\'f2a 17.7.2017 ust\'fapil od navrhovanej pripomienky.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14378324\charrsid14378324 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow26\irowband26\ltrrow\ts11\trqc\trleft-8\trbrdrt \brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Klub 500 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K bodu 76 \'c8l\'e1nku I novely}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme vypusti\'9d cel\'fd bod 76 novely. Od\'f4vodnenie: s\'fa\'e8asn\'fd pr\'e1vny stav nesp\'f4soboval po\'e8as sedemro\'e8n\'e9ho p\'f4sobenia ak\'e9ko\'bevek aplika\'e8n\'e9 probl\'e9my. Z d\'f4vodu novej pr\'e1vne \'fapravy m\'f4\'9ee nieko\'beko n\'e1sobne nar\'e1s\'9d ka\'9edoro\'e8ne platen\'e9 poistn\'e9 bez oh\'beadu na samotn\'fa rizikovos\'9d v\'fdkonu \'e8innosti finan\'e8n\'e9ho sprostredkovania zo strany jednotliv\'fdch samostatn\'fdch finan\'e8n\'fd ch agentov. U\'9e v s\'fa\'e8asnosti pois\'9dovne d\'f4kladne posudzuj\'fa rizikovos\'9d finan\'e8n\'fdch agentov a po\'e8et spolupracuj\'facich podriaden\'fdch finan\'e8n\'fdch agentov pri uzatv\'e1ran\'ed poistenia, navrhovan\'e9 znenie v\'9aak m\'f4 \'9ee vies\'9d k v\'fdrazn\'e9mu n\'e1rastu poistn\'e9ho platen\'e9ho za poistenie zodpovednosti za \'9akodu v zmysle ust. \'a7 30 z\'e1kona \'e8. 186/2009 Z.z. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6439029 \par \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow27\irowband27\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Klub 500 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K bodu 79 \'c8l\'e1nku I novely}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme vypusti\'9d cel\'fd bod 79 novely. Od\'f4vodnenie: Rovnako, ako od\'f4vonenie pripomienky k bodu 76 \'c8l\'e1nku I novely. S\'fa\'e8asn\'fd pr\'e1vny stav nesp\'f4soboval po\'e8as sedemro\'e8n\'e9ho p\'f4 sobenia ak\'e9ko\'bevek aplika\'e8n\'e9 probl\'e9my. Z d\'f4vodu novej pr\'e1vne \'fapravy m\'f4\'9ee nieko\'beko n\'e1sobne nar\'e1s\'9d ka\'9edoro\'e8ne platen\'e9 poistn\'e9 bez oh\'beadu na samotn\'fa rizikovos\'9d v\'fdkonu \'e8innosti finan\'e8n\'e9 ho sprostredkovania zo strany jednotliv\'fdch samostatn\'fdch finan\'e8n\'fdch agentov. U\'9e v s\'fa\'e8asnosti pois\'9dovne d\'f4kladne posudzuj\'fa rizikovos\'9d finan\'e8n\'fdch agentov a po\'e8et spolupracuj\'facich podriaden\'fdch finan\'e8n\'fd ch agentov pri uzatv\'e1ran\'ed poistenia, navrhovan\'e9 znenie v\'9aak m\'f4\'9ee vies\'9d k v\'fdrazn\'e9mu n\'e1rastu poistn\'e9ho platen\'e9ho za poistenie zodpovednosti za \'9akodu v zmysle ust. \'a7 30 z\'e1kona \'e8. 186/2009 Z.z. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6439029 \par \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow28\irowband28\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Klub 500 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K bodu 80 \'c8l\'e1nku I novely}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme vypusti\'9d cel\'fd bod 80 novely. Od\'f4vodnenie: Rovnako, ako od\'f4vodnenie pripomienky k bodu 76 \'c8l\'e1nku I novely. S\'fa\'e8asn\'fd pr\'e1vny stav nesp\'f4soboval po\'e8as sedemro\'e8n\'e9ho p\'f4 sobenia ak\'e9ko\'bevek aplika\'e8n\'e9 probl\'e9my. Z d\'f4vodu novej pr\'e1vne \'fapravy m\'f4\'9ee nieko\'beko n\'e1sobne nar\'e1s\'9d ka\'9edoro\'e8ne platen\'e9 poistn\'e9 bez oh\'beadu na samotn\'fa rizikovos\'9d v\'fdkonu \'e8innosti finan\'e8n\'e9 ho sprostredkovania zo strany jednotliv\'fdch samostatn\'fdch finan\'e8n\'fdch agentov. U\'9e v s\'fa\'e8asnosti pois\'9dovne d\'f4kladne posudzuj\'fa rizikovos\'9d finan\'e8n\'fdch agentov a po\'e8et spolupracuj\'facich podriaden\'fdch finan\'e8n\'fd ch agentov pri uzatv\'e1ran\'ed poistenia, navrhovan\'e9 znenie v\'9aak m\'f4\'9ee vies\'9d k v\'fdrazn\'e9mu n\'e1rastu poistn\'e9ho platen\'e9ho za poistenie zodpovednosti za \'9akodu v zmysle ust. \'a7 30 z\'e1kona \'e8. 186/2009 Z.z. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8478973 \par \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow29\irowband29\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Klub 500 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K bodu 57 \'c8l\'e1nku I novely}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme zmeni\'9d nasledovne: 53. \'a7 22 ods. 2 prv\'e1 veta a druh\'e1 veta znej\'fa: \'84Fyzick\'e1 osoba, ktor\'e1 mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky pre z\'e1kladn\'fd stupe\'f2 odbornej sp\'f4sobilosti, je povinn \'e1 ka\'9edoro\'e8ne absolvova\'9d osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie. Fyzick\'e1 osoba, ktor\'e1 mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky pre stredn\'fd stupe\'f2 odbornej sp\'f4sobilosti, je povinn\'e1 ka\'9edoro\'e8ne absolvova\'9d osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie a najmenej ka\'9ed\'e9 \'9atyri roky \'faspe\'9ane vykona\'9d odborn\'fa sk\'fa\'9aku.\'93. Od\'f4vodnenie: navrhovan\'e1 povinnos\'9d ne\'famerne zvy\'9auje administrat\'edvnu n\'e1ro\'e8nos\'9d v\'fdkonu \'e8innosti finan \'e8n\'e9ho sprostredkovania a zav\'e1dza administrat\'edvne a \'e8asovo n\'e1ro\'e8n\'e9 odborn\'e9 sk\'fa\'9aky bez ak\'e9hoko\'bevek zd\'f4vodnenia. Finan\'e8n\'e9 sprostredkovanie predstavuje vysoko kvalifikovan\'fa \'e8innos\'9d porovnate\'ben\'fa s \'e8innos\'9dou s lek\'e1rmi, advok\'e1tmi, da\'f2ov\'fdmi poradcami, \'fa\'e8tovn\'edkmi a pod. \'8eiadna z t\'fdchto profesi\'ed nem\'e1 v r\'e1mci v\'fdkonu tejto profesie svoju \'e8innos\'9d podmienen\'fa ka\'9edoro\'e8n\'fdm opakovan\'edm odborn\'fd ch sk\'fa\'9aok. Tak\'fdto osobitn\'fd pr\'edstup k finan\'e8n\'e9mu sprostredkovaniu pova\'9eujeme za selekt\'edvny a ni\'e8\'edm neod\'f4vodnen\'fd. Ot\'e1zkou je tie\'9e ka\'9edoro\'e8ne vynakladan\'e1 suma 30,- eur za odborn\'e9 sk\'fa\'9a ky a teda 120,- eur za 4 roky (\'9atvrt\'fd rok by suma bola vylo\'9een\'e1 vzh\'beadom k s\'fa\'e8asn\'e9mu nastaveniu \'9atvorro\'e8nej periodicity aj pod\'bea s\'fa\'e8asnej pr\'e1vnej \'fapravy). Pri predpokladanom po\'e8 te 15.500,- subjektov ide o sumu 1.395.000,- EUR. Zast\'e1vame n\'e1zor, \'9ee takto vynalo\'9een\'e9 prostriedky neprin\'e1\'9aaj\'fa pridan\'fa hodnotu na strane klientov a s\'fa vynalo\'9een\'e9 neefekt\'edvne. \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8478973 \par \par \par A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow30\irowband30\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Klub 500 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K bodu 81 \'c8l\'e1nku I novely}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme zmeni\'9d nasledovne: Bod 81 \'c8l\'e1nku I 81. \'a7 32 vr\'e1tane nadpisu znie: \'84\'a7 32 N\'e1klady na finan\'e8n\'e9 sprostredkovanie a na finan\'e8n\'e9 poradenstvo (1) Finan\'e8n\'fd agent nesmie v s\'fa vislosti s vykon\'e1van\'edm finan\'e8n\'e9ho sprostredkovania prij\'edma\'9d od neprofesion\'e1lneho klienta ak\'e9ko\'bevek pe\'f2a\'9en\'e9 plnenie alebo nepe\'f2a\'9en\'e9 plnenie. (2) Pred vykon\'e1van\'edm finan\'e8n\'e9ho sprostredkovania mus\'ed by\'9d neprofesion\'e1lny klient jednozna\'e8ne presn\'fdm a zrozumite\'ben\'fdm sp\'f4sobom p\'edsomne alebo na inom trvanlivom m\'e9diu informovan\'fd o existencii a povahe odmeny, ktor\'fa prij\'edma finan\'e8n\'fd agent za finan\'e8n\'e9 sprostredkovanie vo vz\'9dahu ku konkr\'e9tne uzatv\'e1ranej zmluve o poskytnut\'ed finan\'e8nej slu\'9eby, ak osobitn\'fd z\'e1kon neustanovuje inak.37a) Na z\'e1klade po\'9eiadavky klienta mus\'ed by\'9d klient jednozna\'e8ne, vy\'e8erp\'e1vaj\'fa cim, presn\'fdm a zrozumite\'ben\'fdm sp\'f4sobom informovan\'fd aj o v\'fd\'9ake odmeny; o tejto skuto\'e8nosti mus\'ed finan\'e8n\'fd agent p\'edsomne informova\'9d klienta pred uzatvoren\'edm zmluvy o poskytovan\'ed finan\'e8nej slu\'9eby. (3) V s\'fa vislosti s vykon\'e1van\'edm finan\'e8n\'e9ho sprostredkovania nesmie finan\'e8n\'fd agent poskytova\'9d klientovi alebo potenci\'e1lnemu klientovi \'9eiadne finan\'e8n\'e9 v\'fdhody alebo v\'fdhody hmotnej alebo nehmotnej povahy. Za tak\'e9to v\'fd hody sa nepova\'9euje poskytnutie drobn\'fdch reklamn\'fdch predmetov. (4) Finan\'e8n\'fd poradca nesmie v s\'favislosti s vykon\'e1van\'edm finan\'e8n\'e9ho poradenstva prij\'edma\'9d ak\'e9ko\'bevek pe\'f2a\'9en\'e9 plnenie alebo nepe\'f2a\'9en\'e9 plnenie s v\'fdnimkou plnenia od klienta. (5) Finan\'e8n\'fd agent nesmie by\'9d odme\'f2ovan\'fd ani nesmie odme\'f2ova\'9d alebo posudzova\'9d v\'fdkonnos\'9d svojich zamestnancov sp\'f4sobom, ktor\'fd by bol v rozpore s ich povinnos\'9dou kona\'9d v s \'falade s najlep\'9a\'edmi z\'e1ujmami klientov. Za t\'fdmto \'fa\'e8elom nesmie zavies\'9d \'9eiadne mechanizmy v podobe odmien, cie\'beov predaja, ani in\'fdch n\'e1strojov, ktor\'e9 by mohli by\'9d pre finan\'e8n\'e9ho agenta alebo jeho zame stnancov stimulom, aby klientovi odpor\'fa\'e8ali ur\'e8it\'fd finan\'e8n\'fd produkt, pokia\'be by bolo mo\'9en\'e9 pon\'faknu\'9d klientovi in\'fd finan\'e8n\'fd produkt, ktor\'fd by lep\'9aie sp\'e5\'f2al jeho potreby.\'93. Od\'f4vodnenie: navrhovan \'e9 pr\'e1vna \'faprava zav\'e1dza rozporupln\'e9 porovnanie odmeny u zamestnancov finan\'e8n\'fdch in\'9atit\'faci\'ed a odmeny u finan\'e8n\'fdch agentov. V oboch pr\'edpadoch sa porovn\'e1vaj\'fa in\'e9 \'fadaje, ktor\'e9 m\'f4\'9eu mias\'9d klienta vo v\'fd\'9ake n\'e1kladov s\'favisiacich s distrib\'faciou poistenia a z podstaty veci znev\'fdhod\'f2uj\'fa finan\'e8n\'fdch agentov, ktor\'ed zverej\'f2uj\'fa ove\'bea \'9air\'9a\'ed okruh odmeny. Takto nastaven\'e1 informa\'e8n\'e1 povinnos \'9d (s rozdielnym rozsahom informa\'e8nej povinnosti) m\'f4\'9ee by\'9d a\'9e v priamom rozpore so Smernicou o distrib\'facii poistenia, ktor\'e1 m\'e1 by\'9d touto novelou transponovan\'e1. Navrhovan\'e1 informa\'e8n\'e1 povinnos\'9d tie\'9e neod\'f4 vodnene zasahuje do obchodnopr\'e1vnych vz\'9dahov, ktor\'e9 s\'fa v s\'fa\'e8asnosti d\'f4vern\'e9ho charakteru, ako aj do pracovnopr\'e1vnych vz\'9dahov pri zamestnancoch finan\'e8n\'fdch in\'9atit\'faci\'ed. Nastaven\'e1 informa\'e8n\'e1 povinnos\'9d neprin\'e1\'9aa \'9eiadnu zv\'fd\'9aen\'fa ochranu klienta a pova\'9eujeme ju za zbyto\'e8n\'fa. Navrhovan\'e9 znenie ustanovenie je tie\'9e \'e8iasto\'e8ne nevykonate\'ben\'e9 a v praxi m\'f4\'9eu by\'9d s jeho aplik\'e1ciou v praxi spojen\'e9 viacer \'e9 praktick\'e9 probl\'e9my. S\'favisiace zmeny navhujeme v pripomienke k bodu 1 \'c8l\'e1nku II novely (zmena z\'e1kona \'e8. 39/2015 Z. z. v znen\'ed neskor\'9a\'edch predpisov). \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8478973 \par \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow31\irowband31\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Klub 500 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K bodu 1 \'c8l\'e1nku II novely}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme zmeni\'9d nasledovne: 1. V \'a7 70 ods. 1 sa men\'ed p\'edsmeno b) a c) a dop\'be\'f2aj\'fa sa p\'edsmen\'e1 e) a\'9e j), ktor\'e9 znej\'fa: "b) poskytn\'fa\'9d neprofesion\'e1lnemu klientovi alebo potenci\'e1 lnemu neprofesion\'e1lnemu klientovi inform\'e1cie, ktor\'e9 s\'fa potrebn\'e9 na to, aby mohol spr\'e1vne porozumie\'9d charakteru a rizik\'e1m poistnej zmluvy a n\'e1sledne zodpovedne prija\'9d rozhodnutie t\'fdkaj\'face sa poistnej zmluvy, a to inform \'e1cie o pr\'e1vnych n\'e1sledkoch uzavretia poistne zmluvy a o sp\'f4soboch a syst\'e9me ochrany pred zlyhan\'edm pois\'9dovne alebo pobo\'e8ky zahrani\'e8nej pois\'9dovne, c) poskytn\'fa\'9d potenci\'e1lnemu klientovi \'efal\'9aie dodato\'e8n\'e9 inform\'e1cie s\'favisiace s uzavret\'edm poistnej zmluvy tak, aby mohol n\'e1sledne zodpovedne prija\'9d rozhodnutie t\'fdkaj\'face sa uzavretia poistnej zmluvy, ... e) poskytn\'fa\'9d potencion\'e1lnemu neprofesion\'e1lnemu klientovi jednozna\'e8 ne presn\'fdm a zrozumite\'ben\'fdm sp\'f4sobom p\'edsomne alebo na inom trvanlivom m\'e9diu inform\'e1ciu o existencii a povahe odmeny vypl\'e1canej jej zamestnancom vo vz\'9dahu ku konkr\'e9tne uzatv\'e1ranej poistnej zmluve. Na z\'e1klade po\'9e iadavky klienta mus\'ed by\'9d klient jednozna\'e8ne, vy\'e8erp\'e1vaj\'facim, presn\'fdm a zrozumite\'ben\'fdm sp\'f4sobom informovan\'fd aj o v\'fd\'9ake odmeny; o tejto skuto\'e8nosti mus\'ed finan\'e8n\'e1 in\'9atit\'facia p\'edsomne informova\'9d klienta pred uzatvoren\'edm poistnej zmluvy. f) informova\'9d potenci\'e1lneho klienta a klienta o v\'fd\'9ake poistn\'e9ho a akejko\'bevek platby inej ako poistn\'e9, ak ju m\'e1 klient po uzavret\'ed poistnej zmluvy plati\'9d, g) pri reklame a propag \'e1ci\'ed svojich poistn\'fdch produktov poskytova\'9d pravdiv\'e9, jasn\'e9, preh\'beadn\'e9 a nezav\'e1dzaj\'face inform\'e1cie a presne ozna\'e8i\'9d, \'9ee sa jedn\'e1 o reklamu alebo propag\'e1ciu, h) ku ka\'9ed\'e9mu poistn\'e9mu produktu, ktor\'e9 ho s\'fa tvorcom, vypracova\'9d informa\'e8n\'fd dokument o poistnom produkte pod\'bea osobitn\'e9ho predpisu28a). i) informova\'9d o postupe pri pod\'e1van\'ed s\'9da\'9enost\'ed a o osobitn\'fdch predpisoch39) upravuj\'facich mimos\'fa dne vyrovnanie sporov vypl\'fdvaj\'facich z uzatvorenej poistnej zmluvy, j) predlo\'9ei\'9d informa\'e8n\'fd dokument o poistnom produkte. Od\'f4vodnenie: V\'9aeobecne: Navrhujeme doplni\'9d z\'e1kon \'e8. 39/2015 Z.z. o pois\'9dovn\'ed ctve a o zmene a doplnen\'ed niektor\'fdch z\'e1konov v znen\'ed neskor\'9a\'edch predpisov o povinnosti rovnocenn\'e9 s v\'fdkonom finan\'e8n\'e9ho sprostredkovania, a to najm\'e4 o zapracovanie nasledovn\'fdch povinnost\'ed ktor\'e9 by sa mali rovnako vz\'9dahova\'9d na pracovn\'edkov finan\'e8n\'fdch in\'9atit\'faci\'ed pon\'fakaj\'facich poistenie: - \'a7 33 z\'e1kona \'e8. 186/2009 Z.z. v rozsahu inform\'e1ci\'ed poskytovan\'fdch priamo o poistnom produkte po zapracovan\'ed novely (v zmysle ods. 3, ods. 4 p\'edsm. e), f), ods. 7 a\'9e 20 primerane), - \'a7 35 z\'e1kona \'e8. 186/2009 Z.z., - \'a7 37b z\'e1kona \'e8. 186/2009 Z.z. (bod 96 novely), - \'a7 37d z\'e1kona \'e8. 186/2009 Z.z. (bod 96 novely). Smernica o distrib \'facii poistenia stanovuje, aby klient mal k dispoz\'edcii porovnate\'ben\'e9 inform\'e1cie o poistnom produkte a postup distrib\'facie poistenia bez oh\'beadu na to, ktor\'fd distribu\'e8n\'fd kan\'e1l vyu\'9eije. S prihliadnut\'edm na t\'fato skuto\'e8 nos\'9d je potrebn\'e9, aby aj pracovn\'edci pois\'9dovne v r\'e1mci procesu uzatv\'e1rania poistnej zmluvy zis\'9dovali, \'e8i poistn\'fd produkt je pre klienta a jeho aktu\'e1lne potreby vhodn\'fd a poskytovali mu \'efal\'9aie inform\'e1 cie o poistnom produkte tak, aby klient vedel prija\'9d \'e8o najkvalifikovanej\'9aie rozhodnutie. K \'a7 70 ods. 1 p\'edsm. e): navrhovan\'e9 pr\'e1vna \'faprava zav\'e1dza rozporupln\'e9 porovnanie odmeny u zamestnancov finan\'e8n\'fdch in\'9atit\'faci \'ed a odmeny u finan\'e8n\'fdch agentov. V oboch pr\'edpadoch sa porovn\'e1vaj\'fa in\'e9 \'fadaje, ktor\'e9 m\'f4\'9eu mias\'9d klienta vo v\'fd\'9ake n\'e1kladov s\'favisiacich s distrib\'faciou poistenia a z podstaty veci znev\'fdhod\'f2uj\'fa finan \'e8n\'fdch agentov, ktor\'ed zverej\'f2uj\'fa ove\'bea \'9air\'9a\'ed okruh odmeny. Takto nastaven\'e1 informa\'e8n\'e1 povinnos\'9d (s rozdielnym rozsahom informa\'e8nej povinnosti) m\'f4\'9ee by\'9d a\'9e v priamom rozpore so Smernicou o distrib\'fa cii poistenia, ktor\'e1 m\'e1 by\'9d touto novelou transponovan\'e1. Navrhovan\'e1 informa\'e8n\'e1 povinnos\'9d tie\'9e neod\'f4vodnene zasahuje do obchodnopr\'e1vnych vz\'9dahov, ktor\'e9 s\'fa v s\'fa\'e8asnosti d\'f4vern\'e9 ho charakteru, ako aj do pracovnopr\'e1vnych vz\'9dahov pri zamestnancoch finan\'e8n\'fdch in\'9atit\'faci\'ed. Nastaven\'e1 informa\'e8n\'e1 povinnos\'9d neprin\'e1\'9aa \'9eiadnu zv\'fd\'9aen\'fa ochranu klienta a pova\'9eujeme ju za zbyto\'e8n\'fa . Navrhovan\'e9 znenie ustanovenie je tie\'9e \'e8iasto\'e8ne nevykonate\'ben\'e9 a v praxi m\'f4\'9eu by\'9d s jeho aplik\'e1ciou v praxi spojen\'e9 viacer\'e9 praktick\'e9 probl\'e9my. S\'favisiace zmeny navrhujeme v pripomienke k bodu 81 \'c8l\'e1 nku I novely.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8478973 \par \par \par N \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid8478973 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8478973 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8478973 Navrhovan\'e1 pripomienka je rie\'9aen\'e1 odkazom v\~\'e8l. II bod 2}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8478973\charrsid8478973 \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow32\irowband32\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Klub 500 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 V\'9aeobecn\'e1 pripomienka}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Novela pod\'bea n\'e1\'9aho n\'e1zoru nedostato\'e8ne spracovala po\'9eiadavku Smernice o distrib\'facii poistenia na to, aby klientovi bol bez oh\'beadu na to, ktor\'fd distribu\'e8n\'fd kan\'e1l sa rozhodne vyu\'9ei\'9d , poskytnut\'fd rovnak\'fd rozsah inform\'e1ci\'ed o finan\'e8nom produkte resp. by boli jeho po\'9eiadavky a potreby posudzovan\'e9 rovnako. Jedna z k\'be\'fa\'e8ov\'fdch po\'9eiadaviek Smernice o distrib\'facii poistenia tak nie je novelou v s\'fa\'e8 asnej podobe dostato\'e8ne zapracovan\'e1. Novela tie\'9e v\'fdrazne navy\'9auje administrat\'edvne za\'9da\'9eenie samostatn\'fdch finan\'e8n\'fdch agentov a podriaden\'fdch finan\'e8n\'fdch agentov na \'fakor pracovn\'edkov finan\'e8n\'fdch in\'9atit \'faci\'ed a viazan\'fdch finan\'e8n\'fdch agentov, u ktor\'fdch je toto za\'9da\'9eenie bez oh\'beadu na to, \'9ee vykon\'e1vaj\'fa obdobn\'fa \'e8innos\'9d, r\'e1dovo ni\'9e\'9aie. Zavedenie in\'9atit\'fatu sprostredkovate\'bea doplnkov\'e9 ho poistenia pova\'9eujeme za nedostato\'e8ne legislat\'edvne dopracovan\'e9, navrhovan\'e1 pr\'e1vna \'faprava tohto in\'9atit\'fatu pod\'bea n\'e1\'9aho n\'e1zoru nenap\'e5\'f2a ciele sledovan\'e9 Smernicou o distrib\'facii poistenia. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid11500220 N} {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid11500220 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid11500220 Navrhovan\'e9 znenie nem\'e1 charakter z\'e1sadnej pripomienky.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565\charrsid11500220 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow33\irowband33\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MDaVSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 bod 14}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 1. V bode 14 odpor\'fa\'e8ame v slov\'e1ch \'84dop\'e5\'f2a sa p\'edsmenom\'93 vypusti\'9d slovo \'84sa\'93 pre nadbyto\'e8nos\'9d.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 { \rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9259729 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow34\irowband34\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MDaVSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 bod 18}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 2. V bode 18 odpor\'fa\'e8ame za slovo \'84nadpisu\'93 vlo\'9ei\'9d slov\'e1 \'84nad paragrafom\'93. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9259729 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow35\irowband35\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MDaVSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 bod 18}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 3. V bode 18 v \'a7 11 ods. 5 odpor\'fa\'e8ame vypusti\'9d slovo \'84\'a7\'93 z d\'f4vodu nadbyto\'e8nosti.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9259729 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow36\irowband36\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MDaVSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 bod 19}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 4. V bode 19 v \'a7 11d ods. 5 odpor\'fa\'e8ame slov\'e1 \'84\'a7 32 a\'9e \'a7 34\'93 nahradi\'9d slovami \'84\'a7 32 a\'9e 34\'93.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 { \rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9259729 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow37\irowband37\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MDaVSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 bod 40}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 5. V bode 40 v pozn\'e1mke pod \'e8iarou k odkazu 27a) odpor\'fa\'e8ame uvies\'9d odkaz na in\'fd paragraf, nako\'beko \'a7 8 bol zru\'9aen\'fd z\'e1konom \'e8. 125/2016 Z. z. o niektor\'fdch opatreniach s\'favisiacich s prijat\'edm Civiln\'e9 ho sporov\'e9ho poriadku, Civiln\'e9ho mimosporov\'e9ho poriadku a Spr\'e1vneho s\'fadneho poriadku a o zmene a doplnen\'ed niektor\'fdch z\'e1konov. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9259729 \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow38\irowband38\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MDaVSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 bod 45}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 6. V bode 45 odpor\'fa\'e8ame slovo \'84vklad\'e1\'93 nahradi\'9d slovami \'84vkladaj\'fa \'a7\'93. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9259729 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow39\irowband39\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MDaVSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 bod 90}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 7. V bode 90 v odseku 14 p\'edsmeno c) odpor\'fa\'e8ame slov\'e1 \'84\'a7 35 a \'a7 37c\'93 nahradi\'9d slovami \'84\'a7 35 a 37c\'93. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid1080851 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow40\irowband40\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MDaVSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'c8l. II}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 8. V \'c8l. II \'favodnej vete odpor\'fa\'e8ame za slov\'e1 \'84125/2016 Z. z.\'93 vlo\'9ei\'9d \'e8iarku a slov\'e1 \'84z\'e1kona \'e8. 292/2016 Z. z.\'93. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9259729 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow41\irowband41\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MKSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K \'e8l. I bod 40}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 1. Slovo ,,registrovan\'e9mu" odpor\'fa\'e8ame nahradi\'9d slovom ,,registrov\'e9mu". 2. Text v pozn\'e1mke pod \'e8iarou k odkazu 27a) odpor\'fa\'e8ame upravi\'9d, ke\'ef\'9ee \'a7 8 z\'e1kona \'e8. 371/2004 Z. z. bol zru \'9aen\'fd \'e8l\'e1nkom XCVI z\'e1kona \'e8. 125/2016 Z. z. Text pozn\'e1mky pod \'e8iarou k odkazu 27a) odpor\'fa\'e8ame upravi\'9d napr. na znenie: ,,\'a7 279 z\'e1kona \'e8. 161/2015 Z. z. Civiln\'fd mimosporov\'fd poriadok". Od\'f4vodnenie: Zos\'fa ladenie s platnou pr\'e1vnou \'fapravou.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9259729 \par A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow42\irowband42\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MKSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K \'e8l. I bod 18}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 1. Za slovo ,,nadpisu" odpor\'fa\'e8ame vlo\'9ei\'9d slov\'e1 ,,nad paragrafom". 2. V odseku 3 odpor\'fa\'e8ame prehodnoti\'9d slov\'e1 ,,nesie zodpovednos\'9d za dodr\'9eiavanie". Od\'f4vodnenie: 1.Zos\'fa ladenie s bodom 30.1. Pr\'edlohy \'e8. 1 k Legislat\'edvnym pravidl\'e1m vl\'e1dy Slovenskej republiky. 2. Nepova\'9eujeme za vhodn\'e9, aby NBS niesla zodpovednos\'9d za dodr\'9eiavanie ustanoven\'ed z\'e1kona, ktor\'e9 ukladaj\'fa povinnosti in\'fd m subjektom.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8725395 \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8725395 \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid8725395 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8725395\charrsid8725395 \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow43\irowband43\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MKSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K \'e8l. I bod 5}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame op\'e4tovne zv\'e1\'9ei\'9d a prehodnoti\'9d znenie \'a7 1 ods. 3 p\'edsm. b), ktor\'e9 vy\'9eaduje splnenie v\'9aetk\'fdch podmienok v bodoch 1 a\'9e 3, av\'9aak podmienky uveden\'e9 v bode 2 a 3 sa vz\'e1 jomne vylu\'e8uj\'fa. Od\'f4vodnenie: Legislat\'edvna pripomienka.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O \cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid10703779 N \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid10703779 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid13722836 \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid13722836 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid10703779\charrsid10703779 Navrhovan\'e1}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid10703779 \'faprava ustanovenia v\~bodoch 2 a\~3 je v\~s\'falade so smernicou, }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid5260203 jedn\'e1 sa o}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid13722836 \~dve }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid5260203 rozli\'e8n\'e9}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid10703779 }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid13722836 situ\'e1cie, resp. v\'fdnimku.}{ \rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid10703779 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow44\irowband44\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MKSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K \'e8l. I body 15 a 17}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame zv\'e1\'9ei\'9d doplnenie navrhovanej \'fapravy o skuto\'e8nos\'9d, \'9ee finan\'e8n\'e9 sprostredkovanie a finan\'e8n\'e9 poradenstvo m\'f4\'9eu uveden\'e9 subjekty vykon\'e1va\'9d ,,v rozsahu pod\'bea \'a7 11d". Od\'f4vodnenie: Znenie bodu 15 a 17 by mohlo sp\'f4sobi\'9d, \'9ee uveden\'e9 subjekty bud\'fa slu\'9eby poskytova\'9d v neobmedzenom rozsahu.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14164898 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid10112419 \'c8}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14164898 A \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid10703779 \par \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid14164898 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14164898 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14164898\charrsid14164898 Znenie bolo preformulovan\'e9.\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 { \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow45\irowband45\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MKSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K \'e8l. I bod 45}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Slovo ,,vklad\'e1" odpor\'fa\'e8ame nahradi\'9d slovami ,,vkladaj\'fa \'a7". Od\'f4vodnenie: Zos\'faladenie s bodom 34.3. Pr\'edlohy \'e8. 1 k Legislat\'edvnym pravidl\'e1m vl\'e1dy Slovenskej republiky.\cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid10703779 A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow46\irowband46\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MKSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K \'e8l. II}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Upozor\'f2ujeme, \'9ee z\'e1kon \'e8. 39/2015 Z. z. bol novelizovan\'fd aj z\'e1konom \'e8. 292/2016 Z. z. Odpor\'fa\'e8ame preto upravi\'9d \'favodn\'fa vetu. Od\'f4vodnenie: Legislat\'edvna pripomienka.\cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid10703779 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow47\irowband47\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MKSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K \'e8l. I bod 12}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V \'a7 4 p\'edsm. m) odpor\'fa\'e8ame v\'fdraz ,,d\'e1vaj\'fa" nahradi\'9d vhodnej\'9a\'edm v\'fdrazom. Od\'f4vodnenie: Legislat\'edvna pripomienka.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid10703779 \par A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid10703779 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid10703779 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid10703779\charrsid10703779 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow48\irowband48\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MKSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K \'e8l. I bod 1}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V dop\'e5\'f2anom texte odpor\'fa\'e8ame pre nadbyto\'e8nos\'9d (ale aj vecn\'fa spr\'e1vnos\'9d) vypusti\'9d spojku ,,alebo" (v \'efal\'9aom texte v bode 3, 4 a \'efal\'9a\'edch bodoch je to uveden\'e9 spr\'e1vne). Od\'f4 vodnenie: Legislat\'edvno-technick\'e1 pripomienka. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5444599 A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow49\irowband49\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MOSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 cel\'e9mu materi\'e1lu}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line bez pripomienok\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \cell \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow50\irowband50\ltrrow\ts11\trqc\trleft-8\trbrdrt \brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MPRVSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 cel\'e9mu materi\'e1lu}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Bez pripomienok\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \cell \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow51\irowband51\ltrrow\ts11\trqc\trleft-8\trbrdrt \brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MPSVRSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Pripomienka nad r\'e1mec predkladan\'e9ho n\'e1vrhu}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame nad r\'e1mec predkladan\'e9ho n\'e1vrhu zv\'e1\'9ei\'9d aktu\'e1lnu pr\'e1vnu \'fapravu z\'e1niku opr\'e1vnenia viazan\'e9ho finan\'e8n\'e9ho agenta, podriaden\'e9ho finan\'e8n\'e9 ho agenta a viazan\'e9ho investi\'e8n\'e9ho agenta. Od\'f4vodnenie: V s\'fa\'e8asnosti je z\'e1nik opr\'e1vnenia naviazan\'fd na de\'f2 skon\'e8enia platnosti zmluvy aj na zru\'9aenie z\'e1pisu v registri (\'a7 16 ods. 8 z\'e1kona \'e8 . 186/2009 Z. z. o finan\'e8nom sprostredkovan\'ed a finan\'e8nom poradenstve a o zmene a doplnen\'ed niektor\'fdch z\'e1konov v znen\'ed z\'e1kona \'e8. 129/2010 Z. z.). De\'f2 z\'e1niku opr\'e1vnenia je N\'e1rodn\'e1 banka Slovenka na z\'e1klade \'a7 233 ods. 9 z\'e1kona \'e8. 461/2003 Z. z. o soci\'e1lnom poisten\'ed v znen\'ed neskor\'9a\'edch predpisov povinn\'e1 oznamova\'9d Soci\'e1lnej pois\'9dovni. Jednozna\'e8n\'e9 ur\'e8enie momentu z\'e1niku opr\'e1vnenia v z\'e1kone \'e8 . 186/2009 Z. z. o finan\'e8nom sprostredkovan\'ed a finan\'e8nom poradenstve a o zmene a doplnen\'ed niektor\'fdch z\'e1konov v znen\'ed neskor\'9a\'edch predpisov je d\'f4le\'9eit\'e9 z d\'f4vodu, aby sa v praxi predi\'9alo pr\'edpadom, ktor\'e9 vznikaj \'fa v s\'favislosti s nepresn\'fdmi \'fadajmi poskytovan\'fdmi N\'e1rodnou bankou Slovenska Soci\'e1lnej pois\'9dovni a n\'e1sledkami, tak pre N\'e1rodn\'fa banku Slovenska, ako aj na z\'e1nik soci\'e1lneho poistenia samostatne z\'e1robkovo \'e8 innej osoby (agenta). \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5444599 A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5444599 \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow52\irowband52\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MPSVRSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 V\'9aeobecn\'e1 pripomienka}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame predkladan\'fd materi\'e1l legislat\'edvno-technicky upravi\'9d. Napr\'edklad v \'e8l. I bode 12 navrhovanom \'a7 4 p\'edsm. n), o), p) a s) odpor\'fa\'e8ame vypusti\'9d slovo \'84je\'93; v \'e8 l. I bode 40 odpor\'fa\'e8ame upravi\'9d navrhovan\'fa pozn\'e1mku pod \'e8iarou k odkazu 27a. Od\'f4vodnenie: Legislat\'edvno-technick\'e1 pripomienka. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9377455 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid10703779 \par A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow53\irowband53\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MSSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K \'e8l. I bodom 68 a 69}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line D\'e1vame do pozornosti predkladate\'beovi, \'9ee nie je od\'f4vodnen\'e9, z ak\'e9ho d\'f4vodu sa umo\'9e\'f2uje majetkov\'e9 prepojenie medzi finan\'e8n\'fdm poradcom a finan\'e8n\'fdm agentom. Osobitn\'e1 \'e8as\'9d d\'f4 vodovej spr\'e1ve k uveden\'fdm noveliza\'e8n\'fdm bodom obsahuje len kon\'9atatovanie, av\'9aak absentuje od\'f4vodnenie novej pr\'e1vnej \'fapravy. Na z\'e1klade uveden\'e9ho preto po\'9eadujeme n\'e1le\'9eit\'e9 doplnenie osobitnej \'e8asti d\'f4 vodovej spr\'e1vy. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9377455 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5444599 A \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5523442 \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid5444599 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5523442 \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow54\irowband54\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MSSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K d\'f4vodovej spr\'e1ve \endash osobitnej \'e8asti (k bodom 13 a 16)}{ \rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line D\'e1vame predkladate\'beovi do pozornosti, \'9ee ch\'fdba od\'f4vodnenie k bodom 13 a 16 v osobitnej \'e8asti d\'f4vodovej spr\'e1vy, ktor\'e9 v tomto smere \'9eiadame doplni\'9d. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12864365 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow55\irowband55\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MSSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K \'e8l. I bod 47}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line D\'e1vame predkladate\'beovi na zv\'e1\'9eenie, \'e8i je vhodn\'e9, aby nov\'e1 pr\'e1vna \'faprava obsahovala (na rozdiel od s\'fa\'e8asnej pr\'e1vnej \'fapravy) po\'9eadovan\'fa prax v men\'9aom rozsahu, resp. ch\'fdba n \'e1m od\'f4vodnenie, z ak\'e9ho d\'f4vodu k uveden\'e9mu nastaveniu predkladate\'be prist\'fapil. Na z\'e1klade uveden\'e9ho \'9eiadame predkladate\'bea, aby v tomto smere osobitn\'fa \'e8as\'9d d\'f4vodovej spr\'e1vy n\'e1le\'9eite doplnil. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid1599685 \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow56\irowband56\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MSSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K \'e8l. I bod 2}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame predkladate\'beovi zv\'e1\'9ei\'9d prepracovanie navrhovan\'e9ho p\'edsmena e), ktor\'e9 je vzh\'beadom na transponovan\'fa smernicu koncipovan\'e9 pr\'edli\'9a \'9airoko. \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9377455 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15755631 N \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid15755631 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid13509390 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid15755631\charrsid15755631 Navrhovan\'e9 znenie}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid13509390 v\~n\'e1vrhu z\'e1kona }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid15755631 pova\'9euje predkladate\'be za vhodn\'e9, vzh\'beadom na cel\'fa pr\'e1vnu \'fapravu novely z\'e1kona.}{ \rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid15755631\charrsid15755631 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow57\irowband57\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MSSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 14 }{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Z d\'f4vodu nadbyto\'e8nosti odpor\'fa\'e8ame predkladate\'beovi vypusti\'9d slovo \'84sa\'93 za slovami \'84odsek 2 dop\'e5\'f2a\'93. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15755631 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15755631 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow58\irowband58\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MSSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 62}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Z d\'f4vodu precizovania textu a nadbyto\'e8nosti odpor\'fa\'e8ame predkladate\'beovi vypusti\'9d v \'a7 23 ods. 2 p\'edsm. b) \'e8iarky za slovami \'84viazan\'fd finan\'e8n\'fd agent\'93, \'84podriaden\'fd finan\'e8n\'fd agent\'93 a \'84viazan\'fd investi\'e8n\'fd agent\'93.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15755631 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15755631 A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow59\irowband59\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MSSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 12}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Z d\'f4vodu precizovania textu odpor\'fa\'e8ame predkladate\'beovi slovo \'84d\'e1vaj\'fa\'93 nahradi\'9d vhodnej\'9a\'edm pojmom, napr. \'84poskytuj\'fa\'93.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15755631 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15755631 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow60\irowband60\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MSSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 d\'f4vodovej spr\'e1ve \endash osobitnej \'e8 asti (k bodom 18, 19, 44 a 45)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Z d\'f4vodu precizovania textu odpor\'fa\'e8ame predkladate\'beovi upravi\'9d predposledn\'fa vetu v prvom odseku tak, \'9ee vypust\'ed koniec z\'e1 tvorky za slovami \'84ustanoven\'ed \'a7 11\'93 a koniec z\'e1tvorky umiestni za slov\'e1 \'84n\'e1vrhu z\'e1kona\'93 pred slovami \'84alebo na z\'e1klade pr\'e1va\'93. Tie\'9e odpor\'fa\'e8ame predkladate\'beovi upravi\'9d posledn\'fa vetu v prvom odseku tak, \'9ee vypust\'ed z d\'f4vodu nadbyto\'e8nosti slovo \'84sa\'93 za slovami \'84z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu\'93.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9396202 \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow61\irowband61\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MSSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 44}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Z d\'f4vodu precizovania textu odpor\'fa\'e8ame predkladate\'beovi vysklo\'f2ova\'9d v \'a7 20 ods. 5 slov\'e1 \'84Eur\'f3psky org\'e1n pre pois\'9dovn\'edctvo a d\'f4chodkov\'e9 poistenie zamestnancov\'93 do pr\'edslu\'9an \'e9ho gramatick\'e9ho tvaru.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9396202 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9396202 \par A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow62\irowband62\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MSSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K \'e8l. I bod 18}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Z d\'f4vodu zos\'faladenia s bodom 30.1. Pr\'edlohy \'e8. 1 k Legislat\'edvnym pravidl\'e1m vl\'e1dy Slovenskej republiky odpor\'fa\'e8ame predkladate\'beovi za slovo \'84nadpisu\'93 vlo\'9ei\'9d slov\'e1 \'84nad paragrafom \'93. S\'fa\'e8asne odpor\'fa\'e8ame v \'a7 11 ods. 5 vypusti\'9d duplicitne uveden\'fd znak \'84\'a7\'93 a v \'a7 11 ods. 8 vypusti\'9d slovo \'84o\'93 za slovami \'84m\'f4\'9ee po\'9eiada\'9d\'93. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9396202 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5444599 A \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9396202 \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid5444599 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9396202 \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow63\irowband63\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MSSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 45}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Z d\'f4vodu zos\'faladenia s bodom 34.3. Pr\'edlohy \'e8. 1 k Legislat\'edvnym pravidl\'e1m vl\'e1dy Slovenskej republiky odpor\'fa\'e8ame predkladate\'beovi nahradi\'9d slovo ,,vklad\'e1" slovami ,,vkladaj\'fa \'a7\'93. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9396202 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow64\irowband64\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MSSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K \'e8l. I bod 40}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Z d\'f4vodu zos\'faladenie s platnou pr\'e1vnou \'fapravou a precizovania textu odpor\'fa\'e8ame predkladate\'beovi slovo \'84registrovan\'e9mu\'93 nahradi\'9d spr\'e1vnym pojmom \'84registrov\'e9mu\'93. S\'fa\'e8 asne z toho ist\'e9ho d\'f4vodu odpor\'fa\'e8ame predkladate\'beovi s prihliadnut\'edm na skuto\'e8nos\'9d, \'9ee \'a7 8 z\'e1kona \'e8. 371/2004 Z. z. o s\'eddlach a obvodoch s\'fadov Slovenskej republiky a o zmene z\'e1kona \'e8. 99/1963 Zb. Ob\'e8 iansky s\'fadny poriadok v znen\'ed neskor\'9a\'edch predpisov bol zru\'9aen\'fd, nahradi\'9d vetu v pozn\'e1mke pod \'e8iarou k odkazu 27a a to nasleduj\'faco: \'84 27a) \'a7 279 z\'e1kona \'e8. 161/2015 Z. z. Civiln\'fd mimosporov\'fd poriadok.\'93. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8129983 \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow65\irowband65\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 25}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame na oboch miestach vypusti\'9d \'e8iarku pred slovom "alebo".\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8129983 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8129983 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow66\irowband66\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 33}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame odkaz 27 form\'e1tova\'9d na horn\'fd index.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8129983 A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow67\irowband67\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 47}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame pre spresnenie v p\'edsmen\'e1ch c) a d) vlo\'9ei\'9d slovo "najmenej" pred slovo "trojro\'e8n\'e1"/"sedemro\'e8n\'e1".\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8129983 A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow68\irowband68\ltrrow \ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 39}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame pre spresnenie za \'e8\'edslo "11" vlo\'9ei\'9d slov\'e1 "druhej vete".\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8129983 A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow69\irowband69\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 12, \'a7 4 p\'edsm. r)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame slov\'e1 "10% alebo viac percent" nahradi\'9d slovami "najmenej 10%".\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 { \rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid10359331 A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow70\irowband70\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 55}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame slov\'e1 "je dostupn\'fd na webovom s\'eddle N\'e1rodnej banky Slovenska" nahradi\'9d slovami "N\'e1rodn\'e1 banka Slovenska zverej\'f2uje na svojom webovom s\'eddle".\cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid10359331 A\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid10359331 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid10359331 Znenie bolo preformulovan\'e9.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid10359331\charrsid10359331 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow71\irowband71\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 40}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame slovo "registrovan\'e9mu" nahradi\'9d slovom "registrov\'e9mu". Z\'e1rove\'f2 odpor\'fa\'e8ame upravi\'9d pozn\'e1mku pod \'e8iarou k odkazu 27a, vzh\'beadom na to, \'9ee uveden\'e9 ustanovenie bolo zru\'9a en\'e9 od 1. 7. 2016 a v s\'fa\'e8asnosti registrov\'e9 s\'fady upravuje \'a7 279 ods. 2 z\'e1kona \'e8. 161/2015 Z. z. V pozn\'e1mke pod \'e8iarou k odkazu 27b odpor\'fa\'e8ame uvies\'9d cel\'fd n\'e1zov z\'e1kona, vzh\'beadom na to, \'9ee ten je prv\'fd kr\'e1t pou\'9eit\'fd a\'9e v pozn\'e1mke pod \'e8iarou k odkazu 34.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid2559754 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid2559754 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid2559754 \par \par A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow72\irowband72\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 97}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame v druhej vete za slovo "ozn\'e1menia" vlo\'9ei\'9d slov\'e1 "pod\'bea prvej vety".\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 { \rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6110649 A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow73\irowband73\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 12, \'a7 4 p\'edsm. s)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame v druhom bode spresni\'9d slovo "nesp\'f4sobilosti" a v tre\'9dom a \'9atvrtom bode \'e8iarku/bodku umiestni\'9d pred ozna\'e8enie odkazu.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9573085 A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6110649 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid9573085 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565\charrsid9573085 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid9573085\charrsid9573085 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow74\irowband74\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 26}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame v odseku 14 slov\'e1 "vykona\'9d z\'e1pis do registra finan\'e8n\'e9mu sprostredkovate\'beovi" nahradi\'9d slovami "zap\'edsa\'9d do registra finan\'e8n\'e9ho sprostredkovate\'bea" a vypusti\'9d slov\'e1 "v \'9aeobecne z\'e1v\'e4zn\'e9" ako nadbyto\'e8n\'e9.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid12260264 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid12260264 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12260264 \'c8A \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12260264 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid12260264 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid12260264\charrsid12260264 Ide o\~legislat\'edvno-technick\'e9 upresnenie textu. \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow75\irowband75\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 5}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame v p\'edsmene b) \'favodnej vete vypusti\'9d slov\'e1 "s\'fa s\'fa\'e8asne splnen\'e9 tieto podmienky:", p\'edsmene b) prvom bode \'e8iarku a slovo "ak" nahradi\'9d slovom "a" a p\'edsmene b) druhom bode \'e8 iarku nahradi\'9d slovom "a". Legislat\'edvno-technick\'e1 pripomienka.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O \cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid1014972 N \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid1014972 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1014972 \par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid14448685 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1014972 Ide o\~zos\'faladenie s\~\'e8l. 1 , bodu 3 smernice, ktor\'fd upravuje na ak\'fa osobu sa n\'e1vrh z\'e1kona nevz\'9dahuje.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1014972\charrsid1014972 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8003565 \par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14448685 Ide o\~vecn\'fa zmenu, ktor\'e1 je rozpore so smernicou. \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid1014972 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid14448685\charrsid1014972 \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow76\irowband76\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 12}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame v pozn\'e1mke pod \'e8iarou k odkazu 21a uvies\'9d cel\'fd n\'e1zov z\'e1kona, ke\'ef\'9ee ten je v \'fa\'e8innom znen\'ed uveden\'fd a\'9e v pozn\'e1mke pod \'e8iarou k odkazu 30a.\cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5444599 A \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14448685 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid5444599 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5444599 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow77\irowband77\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 82}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame vypusti\'9d bodku za slovom "alebo".\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid1327605 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid1327605 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid1327605 \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid1327605 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid1327605 A\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow78\irowband78\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 89}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame vypusti\'9d slov\'e1 "s\'fa splnen\'e9 tieto podmienky:" ako nadbyto\'e8n\'e9.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid1327605 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid1327605 \par N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid5840088 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid1327605\charrsid1327605 Ustanovenie}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid1327605 upravuje podmien}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid5840088 ky}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid1327605 , za splnenia ktor\'fdch je mo\'9en\'e9 klientovi poskytn\'fa\'9d inform\'e1cie in\'fdm sp\'f4sobom ako p\'edsomnou formou. }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565\charrsid1327605 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow79\irowband79\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 19, \'a7 11c}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame zv\'e1\'9ei\'9d presun defin\'edcie sprostredkovate\'bea doplnkov\'e9ho poistenia do \'a7 4 medzi vymedzenie pojmov. V odseku 1 odpor\'fa\'e8ame vypusti\'9d slov\'e1 "s\'fa splnen\'e9 tieto podmienky:" ako nadbyto\'e8n\'e9 a medzi posledn\'e9 dve mo\'9enosti vlo\'9ei\'9d spojku "a". V odseku 1 odpor\'fa\'e8ame zmeni\'9d ozna\'e8enie pododsekov z bodov na p\'edsmen\'e1. V odseku 1 prvom bode odpor\'fa\'e8ame na za\'e8iatok vlo\'9ei\'9d slovo "jej". V odseku 1 druhom bode odpor\'fa\'e8ame vypusti slovo "osoba" a slovo "ur\'e8it\'e9" nahradi\'9d slovom "tak\'e9". V odseku 1 tre\'9dom bode odpor\'fa\'e8ame spresni\'9d slovo "pr\'edslu\'9an\'e9", napr\'edklad odkazom na predch\'e1dzaj\'fa ci bod / p\'edsmeno.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid1327605 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid1327605 \par \par \par \'c8A \par \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid1327605 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid1327605 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid1327605 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid741200 \par }\pard \ltrpar\qj \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid5840088 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid1327605\charrsid1327605 Sprostredkovate\'be doplnkov\'e9ho poistenia}{ \rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid1327605 }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid741200 m\'e1 osobitn\'e9 postavenie}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid5840088 na poistnom trhu,}{ \rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid741200 vzh\'beadom na to, \'9ee vykon\'e1va finan\'e8n\'e9 sprostredkovanie len ako doplnkov\'fa \'e8innos\'9d. Z\~uveden\'e9ho d\'f4vodu je upraven\'fd v\~osobitnom ustanoven\'ed.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565\charrsid1327605 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow80\irowband80\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 99}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V \'a7 37b ods. 1 prvej vete odpor\'fa\'e8ame bodku presun\'fa\'9d pred odkaz. V \'a7 37c ods. 1 odpor\'fa\'e8ame vypusti\'9d slov\'e1 "a to". V \'a7 37d ods. 1 p\'edsm. c) odpor\'fa\'e8ame slovo "porozumel" nahradi\'9d slovami "mohol porozumie\'9d". V \'a7 37d ods. 2 odpor\'fa\'e8ame slov\'e1 "pochopil charakter a rizik\'e1" nahradi\'9d slovami "mohol porozumie\'9d charakteru a rizik\'e1m".\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5840088 \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow81\irowband81\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 67}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V druhej vete odpor\'fa\'e8ame slovo "musia" nahradi\'9d slovom "mus\'ed", ke\'ef\'9ee sa via\'9ee na slovo "inform\'e1cia" a spresni\'9d slov\'e1 "dostato\'e8n\'e9 podrobnosti a v tretej vete odpor\'fa\'e8ame za slovo "z \'e1ujmov" vlo\'9ei\'9d \'e8iarku.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3763212 A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 { \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow82\irowband82\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 28}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V nadv\'e4znosti na vypustenie \'a7 16 ods. 2 p\'edsm. f) odpor\'fa\'e8ame aktualizova\'9d odkaz aj v \'a7 23 ods. 1 p\'edsm. b).\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15156411 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow83\irowband83\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 18, \'a7 11}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V odsekoch 4 a 5 odpor\'fa\'e8ame ozna\'e8enie "\'a737b" nahradi\'9d ozna\'e8en\'edm "\'a7 37b". V odseku 5 odpor\'fa\'e8ame vypusti\'9d zdvojen\'e9 ozna\'e8enie "\'a7"; z\'e1rove\'f2 odpor\'fa\'e8ame zv\'e1\'9ei\'9d slovo "a" za \'e8\'edslom "34" nahradi\'9d slovom "alebo", vzh\'beadom na to, \'9ee z kontextu na poru\'9aenie povinnosti posta\'e8uje poru\'9aenie jedn\'e9ho z ustanoven\'ed. V odseku 7 odpor\'fa\'e8ame vzh\'beadom na zdvojenie slova "alebo" nahradi\'9d za slovami "\'e8lensk\'e9ho \'9at\'e1tu" slovo "alebo" \'e8iarkou a za slovom "neprimeran\'e9" vypusti\'9d \'e8iarku; z\'e1rove\'f2 odpor\'fa\'e8ame vypusti\'9d slov\'e1 "v\'9aeobecne z\'e1v\'e4zn\'e9" ako nadbyto\'e8n\'e9. V odseku 8 odpor\'fa\'e8 ame vypusti\'9d slovo "o" za slovom "po\'9eiada\'9d". V odseku 9 odpor\'fa\'e8ame nahradi\'9d slov\'e1 "v\'9aeobecne z\'e1v\'e4zn\'fdch" slovom "pr\'e1vnych". V odseku 10 odpor\'fa\'e8ame zv\'e1\'9ei\'9d nahradenie slova "a" za \'e8\'ed slom "6" slovom "alebo", ke\'ef\'9ee z kontextu by malo \'eds\'9d o ktor\'e9ko\'bevek z opatren\'ed. V odseku 11 odpor\'fa\'e8ame slov\'e1 "odsekov 1 a\'9e 10" nahradi\'9d slovami "tohto paragrafu".\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6635323 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6635323 \par \par \par \par \'c8A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6635323 \par \par \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid10714493 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14486989 Znenie ustanovenia bolo preformulovan\'e9.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid6635323\charrsid6635323 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow84\irowband84\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 44}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V odseku 1 odpor\'fa\'e8ame slov\'e1 "sa rozhodol" nahradi\'9d slovami "m\'e1 z\'e1ujem". Odsek 3 odpor\'fa\'e8ame preformulova\'9d v znen\'ed "N\'e1rodn\'e1 banka Slovenska za\'9ale do 30 dn\'ed od doru\'e8enia ozn\'e1 menia pod\'bea odseku 1 inform\'e1cie po\'9eadovan\'e9 pod\'bea odseku 1 pr\'edslu\'9an\'e9mu org\'e1nu doh\'beadu hostite\'besk\'e9ho \'e8lensk\'e9ho \'9at\'e1tu.". V odseku 5 odpor\'fa\'e8ame spresni\'9d z\'e1rove\'f2 s \'e8\'edm a slov\'e1 "pr\'e1 vnych ustanoven\'ed". V odseku 7 odpor\'fa\'e8ame pre spresnenie v druhej vete za slovo "informuje" vlo\'9ei\'9d slov\'e1 "N\'e1rodn\'e1 banka Slovenska".\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14902239 A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14318964 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid14902239 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14902239 Pripomienka, t\'fdkaj\'faca sa \'fapravy odseku 5 je nezrozumite\'ben\'e1.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14902239\charrsid14902239 \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow85\irowband85\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 45, \'a7 20b}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V odseku 1 odpor\'fa\'e8ame slov\'e1 "sa rozhodol" nahradi\'9d slovami "m\'e1 z\'e1ujem". V odseku 3 odpor\'fa\'e8ame preformulova\'9d prv\'fa vetu v znen\'ed "N\'e1rodn\'e1 banka Slovenska za\'9ale do 30 dn\'ed od doru\'e8 enia ozn\'e1menia pod\'bea odseku 1 inform\'e1cie po\'9eadovan\'e9 pod\'bea odseku 1 pr\'edslu\'9an\'e9mu org\'e1nu doh\'beadu hostite\'besk\'e9ho \'e8lensk\'e9ho \'9at\'e1tu.". V odseku 6 odpor\'fa\'e8ame nahradi\'9d slov\'e1 "Eur\'f3psky org\'e1n doh \'beadu (Eur\'f3psky org\'e1n pre bankovn\'edctvo)" slovami "Eur\'f3psky org\'e1n pre bankovn\'edctvo" (obdobne ako je uveden\'fd pr\'edslu\'9an\'fd org\'e1n v \'a7 11 ods. 8 a 10). V odseku 10 odpor\'fa\'e8ame vypusti\'9d slovo "ustanovenie" ako nadbyto \'e8n\'e9.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14902239 \par \par \'c8A \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid14902239 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14902239 \par \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14902239 \par }{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14902239 \'84Eur\'f3psky org\'e1n doh\'beadu (Eur\'f3psky org\'e1n pre bankovn\'edctvo)" je presn\'fd n\'e1zov pr\'edslu\'9an\'e9ho org\'e1nu doh\'beadu (smernica MCD), nie je mo\'9en\'e9 ho meni\'9d. }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14902239\charrsid14902239 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow86\irowband86\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 45, \'a7 20a}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V odseku 1 odpor\'fa\'e8ame slov\'e1 "sa rozhodol" nahradi\'9d slovami "m\'e1 z\'e1ujem". V odseku 5 odpor\'fa\'e8ame prv\'fa vetu preformulova\'9d v jednotnom \'e8\'ed sle (obdobne aj odsek 9). V odseku 8 poslednej vete odpor\'fa\'e8ame bodku presun\'fa\'9d pred odkaz.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14902239 \'c8A \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid14902239 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14902239\charrsid14902239 Predkladate\'be nepova\'9euje z\~legislat\'edvno-technick\'e9ho h\'beadiska odsek 5.\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow87\irowband87\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 102}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V odseku 1 \'favodnej vete odpor\'fa\'e8ame slov\'e1 "v\'9aeobecne z\'e1v\'e4zn\'fdch" ako nadbyto\'e8n\'e9. V odseku 1 p\'edsm. a) odpor\'fa\'e8ame vypusti\'9d slov\'e1 "na" za slovom "a". V odseku 1 p\'edsm. f) odpor\'fa \'e8ame za slovo "a" vlo\'9ei\'9d slovo "povinnos\'9d". V odseku 2 p\'edsm. a) odpor\'fa\'e8ame vypusti\'9d slovo "na" za slovom "a". V odseku 4 odpor\'fa\'e8ame nahradi\'9d slovom "z\'e1kona" slovom "predpisu" a slovo "pri\'e8om" nahradi\'9d bodko\'e8 iarkou. V odseku 8 druhej vete odpor\'fa\'e8ame slovo "Pokuta" nahradi\'9d slovom "pokutu". V odseku 9 p\'edsm. c) odpor\'fa\'e8ame za slovo "fyzickej" vlo\'9ei\'9d slovo "osoby". V odseku 9 p\'edsm. f) odpor\'fa\'e8ame spresni\'9d o spolupr\'e1cu s k\'fd m m\'e1 \'eds\'9d.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5444599 \par \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid10565572 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow88\irowband88\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 90}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V odseku 12 \'favodnej vete odpor\'fa\'e8ame vypusti\'9d slov\'e1 "s\'fa splnen\'e9 tieto podmienky:" ako nadbyto\'e8n\'e9. V odseku 12 p\'edsm. c) odpor\'fa\'e8ame \'e8iarku na konci nahradi\'9d slovom "a". V odseku 12 p \'edsm. d) odpor\'fa\'e8ame vypusti\'9d slov\'e1 "je zabezpe\'e8en\'e9, \'9ee" ako nadbyto\'e8n\'e9. V odseku 13 odpor\'fa\'e8ame slov\'e1 "emailov\'fa adresu" nahradi\'9d slovami "adresu elektronickej po\'9aty". V odseku 14 \'favodnej vete odpor\'fa\'e8 ame vypusti\'9d slov\'e1 "zabezpe\'e8i\'9d splnenie t\'fdchto povinnost\'ed" a dvojbodku ako nadbyto\'e8n\'e9.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid1587006 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid1587006 \par \par A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow89\irowband89\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 81}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V odseku 2 odpor\'fa\'e8ame slovo "z\'e1kon" nahradi\'9d slovom "predpis". V odseku 3 odpor\'fa\'e8ame spresni\'9d slov\'e1 "drobn\'e9 reklamn\'e9 predmety".\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5457482 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5457482 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid13049768 \'c8}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5457482 A\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid5457482 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid5457482\charrsid5457482 Predkladate\'be nepova\'9euje za potrebn\'e9 bli\'9e\'9aie \'9apecifikova\'9d o\~ak\'e9 drobn\'e9 reklamn\'e9 predmety sa jedn\'e1.\cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow90\irowband90\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 19, \'a7 11d}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V odseku 2 odpor\'fa\'e8ame vypusti\'9d \'e8iarku za slovami "odseku 1" ako nadbyto\'e8n\'fa. V odseku 4 odpor\'fa\'e8ame vlo\'9ei\'9d slovo "\'9at\'e1tu" pred slovo "N\'e1rodn\'e1". V odseku 5 odpor\'fa\'e8ame vypusti\'9d o zna\'e8enie "\'a7" pred \'e8\'edslom "34" ako nadbyto\'e8n\'e9 a vlo\'9ei\'9d slovo "a" za slov\'e1 "ods. 2". V odsekoch 6 a 7 odpor\'fa\'e8ame vlo\'9ei\'9d slovo "vete" za slovo "prvej". V odseku odpor\'fa\'e8ame vypusti\'9d slov\'e1 "v\'9aeobecne z\'e1v \'e4zn\'e9" a \'e8iarku za ozna\'e8en\'edm "\'a7 39" ako nadbyto\'e8n\'e9. V odseku 9 odpor\'fa\'e8ame vlo\'9ei\'9d slov\'e1 "tohto z\'e1kona" za slovo "ustanovenia", vzh\'beadom na zdvojenos\'9d slova "alebo" odpor\'fa\'e8ame nahradi\'9d slovo "alebo" za slovom "\'9at\'e1tu" \'e8iarkou. V odseku 9 p\'edsm. a) odpor\'fa\'e8ame presun\'fa\'9d slovo "ulo\'9ei\'9d" na za\'e8iatok p\'edsmena a vypusti\'9d \'e8iarku pred slovami "a ak". V odseku 9 p\'edsm. b) odpor\'fa\'e8ame nahradi\'9d slov \'e1 "Eur\'f3psky org\'e1n doh\'beadu (Eur\'f3psky org\'e1n pre bankovn\'edctvo)" slovami "Eur\'f3psky org\'e1n pre bankovn\'edctvo" (obdobne ako je uveden\'fd pr\'edslu\'9an\'fd org\'e1n v \'a7 11 ods. 8 a 10). V pozn\'e1mke pod \'e8iarou k o dkazu 22c odpor\'fa\'e8ame slov\'e1 "\'a7 3, \'a7 6, \'a7 7, \'a7 21, \'a7 22" nahradi\'9d slovami "\'a7 3, 6, 7, 21, 22".\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15483001 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5444599 \par \par \par A \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid15483001 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid15483001 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid5444599 \par \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5444599\charrsid5444599 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow91\irowband91\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 19, \'a7 11a}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V odseku 2 odpor\'fa\'e8ame vypusti\'9d slov\'e1 "v\'9aeobecne z\'e1v\'e4zn\'fdch" ako nadbyto\'e8n\'e9 a za slovo "predpisov" vlo\'9ei\'9d \'e8iarku. V odseku 3 vzh\'beadom na zdvojenie slova "alebo" odpor\'fa\'e8 ame slovo "alebo" za slovami "\'e8lensk\'e9ho \'9at\'e1tu" nahradi\'9d \'e8iarkou, vypusti\'9d \'e8iarku za slovom "neprimeran\'e9" a vypusti\'9d slov\'e1 "v\'9aeobecne z\'e1v\'e4zn\'e9" ako nadbyto\'e8n\'e9. V odseku 5 odpor\'fa\'e8ame slov\'e1 "v\'9a eobecne z\'e1v\'e4zn\'fdch" nahradi\'9d slovom "pr\'e1vnych". V odseku 6 odpor\'fa\'e8ame zv\'e1\'9ei\'9d nahradenie slova "a" za \'e8\'edslom "3" slovom "alebo". V odseku 8 odpor\'fa\'e8ame nahradi\'9d slov\'e1 "odsekov 1 a\'9e 7" slovami "tohto paragrafu".\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15483001 \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid5444599 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15483001 \'c8A \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15483001 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid15483001 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid15483001 \par \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14747140 Znenie ustanovenia bolo preformulovan\'e9.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid15483001 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow92\irowband92\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 19, \'a7 11b}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V odseku 2 odpor\'fa\'e8ame zjednozna\'e8ni\'9d/preformulova\'9d slov\'e1 "pr\'e1vnym ustanoveniam" a "v\'e1\'9ene ohrozuje"; z\'e1rove\'f2 odpor\'fa\'e8ame slov\'e1 "Ak nastane tak\'e1to situ\'e1cia" nahradi\'9d pre spresnenie slovami "Ak N\'e1rodn\'e1 banka Slovenska prijme opatrenie pod\'bea prvej vety". V odseku 3 odpor\'fa\'e8ame slov\'e1 "odsekov 1 a 2" nahradi\'9d slovami "tohto paragrafu".\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid13780567 \par N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid13780567 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid13780567 \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid1669307 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid13780567\charrsid13780567 Formula\'e8nou zmenou textu by do\'9alo k\~ vecnej zmene ustanovenia}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid1669307 .}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid13780567\charrsid13780567 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow93\irowband93\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 62}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V odseku 2 p\'edsm. b) odpor\'fa\'e8ame 3x vypusti\'9d zdvojen\'fa \'e8iarku.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid918394 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid918394 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow94\irowband94\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 61}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V odseku 2 p\'edsmene a) odpor\'fa\'e8ame slov\'e1 "a to v\'fdhradne pre svojich zamestnancov a" nahradi\'9d slovami "ak ide o jej zamestnancov alebo". V odseku 4 \'favodnej vete odpor\'fa\'e8ame slov\'e1 "je dostupn\'fd na jej" nahradi\'9d slovami "zverej\'f2uje ho na svojom". V odseku 4 p\'edsm. a) odpor\'fa\'e8ame rozp\'edsa\'9d skratku "I\'c8O". V odseku 6 \'favodnej vete odpor\'fa\'e8ame slov\'e1 "je potrebn\'e9 preuk\'e1zanie splnenia t\'fdchto podmienok:" nahradi \'9d slovami "navrhovate\'be preukazuje". V odseku 6 p\'edsm. c) odpor\'fa\'e8ame slov\'e1 "technick\'e1 a organiza\'e8n\'e1" nahradi\'9d slovami "technick\'fa a organiza\'e8n\'fa". V odseku 7 p\'edsm. a) odpor\'fa\'e8ame spresni\'9d, koho obchodn\'e9 meno, ... a kto m\'e1 s\'eddlo mimo \'fazemia ... V odseku 7 p\'edsm. c) odpor\'fa\'e8ame slovo "adresa" nahradi\'9d slovom "adresu". V odseku 7 p\'edsm. e) odpor\'fa\'e8ame spresni\'9d alebo vypusti\'9d slovo "primeran\'e9ho". V odseku 7 p\'ed sm. f) odpor\'fa\'e8ame zv\'e1\'9ei\'9d vypustenie slova "bud\'faci". V odseku 13 p\'edsm. b) odpor\'fa\'e8ame slovo "nov\'fa" nahradi\'9d slovom "zmenen\'fa". V odseku 13 p\'edsm. c) a\'9e e) odpor\'fa\'e8ame sloves\'e1 presun\'fa\'9d na za\'e8iatok p \'edsmen. V odseku 14 p\'edsm. d) odpor\'fa\'e8ame slov\'e1 "nadobudlo pr\'e1voplatnos\'9d" presun\'fa\'9d na koniec p\'edsmena. V odseku 15 odpor\'fa\'e8ame \'e8\'edslo "13" nahradi\'9d \'e8\'edslom "14", ke\'ef\'9ee zru\'9aenie upravuje odsek 14 a za \'e8\'edslo "14" vlo\'9ei\'9d slovo "p\'edsm.".\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3866938 \par \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid11410427 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5440656 A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3866938 \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3866938 \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow95\irowband95\ltrrow\ts11\trqc\trleft-8\trbrdrt \brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 60}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V odseku 8 prvej vete odpor\'fa\'e8ame za slov\'e1 "sk\'fa\'9aky a" vlo\'9ei\'9d slovo "\'fa\'e8astn\'edk". V odseku 10 odpor\'fa\'e8ame slov\'e1 "\'a7 22 ods. 9" nahradi\'9d slovami "odseku 9" vzh\'beadom na to, \'9e e ide o vn\'fatorn\'fd odkaz v r\'e1mci toho ist\'e9ho paragrafu; z\'e1rove\'f2 odpor\'fa\'e8ame v prvej vete spresni\'9d, kedy ide o poskytovate\'bea a kedy o finan\'e8n\'fa in\'9atit\'faciu, resp. v druhej vete, kedy ide o NBS a kedy o poveren\'fa osobu.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5440656 \par \'c8A\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid5440656 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5440656 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid5440656\charrsid5440656 Nie je potrebn\'e9 bli\'9e\'9aie upres\'f2ova\'9d kedy ide o\~zodpovedn\'e9 osoby, nako\'beko t\'e1to skuto\'e8nos\'9d je zrejm\'e1 z\~predch\'e1dzaj\'facej pr\'e1vnej \'fa pravy.\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow96\irowband96\ltrrow\ts11\trqc\trleft-8\trbrdrt \brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. II bod 3}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V odseku 9 druhej vete odpor\'fa\'e8ame slov\'e1 "Za t\'fdmto \'fa\'e8elom" nahradi\'9d slovami "Na tento \'fa\'e8el". V odseku 12 odpor\'fa\'e8ame spresni\'9d slovo "rozumie\'9d" vzh\'beadom na to, \'9ee toto sloveso sa via \'9ee k fyzick\'fdm osob\'e1m, nie k pr\'e1vnick\'fdm osob\'e1m.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4591045 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4591045 \par \'c8A\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid4591045 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4591045 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid4591045\charrsid4591045 Predkladate\'be pova\'9euje \'fapravu za spr\'e1vnu, nako\'beko poistn\'fdm produktom mus\'ed rozumie\'9d tvorca poistn\'e9ho produktu, t.j. pois\'9dov}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid4591045 \'f2a (s\'falad so smernicou IDD).}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid4591045\charrsid4591045 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4591045 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow97\irowband97\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. II bod 1}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V p\'edsmen\'e1ch g) a h) odpor\'fa\'e8ame presun\'fa\'9d sloves\'e1 na za\'e8iatok p\'edsmen.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12809257 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12809257 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow98\irowband98\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 50}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V prvej vete slovo "a" za slovami "finan\'e8n\'e9ho agenta" nahradi\'9d slovom "alebo", vzh\'beadom na to, \'9ee nejde o kumulat\'edvnu funkciu.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12809257 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12809257 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow99\irowband99\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 7}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V \'favodnej vete odpor\'fa\'e8ame slovo "odsek" nahradi\'9d slovom "ods.".\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12809257 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12809257 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow100\irowband100\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 30}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Vzh\'beadom na bod 28 [posledn\'e9 p\'edsmeno odseku 2 bude f)] odpor\'fa\'e8ame slov\'e1 "p\'edsm. e) a\'9e g) nahradi\'9d slovami "e) a f)".\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid159663 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid159663 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow101\irowband101\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 8}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Vzh\'beadom na odkaz 14 odpor\'fa\'e8ame slov\'e1 "poskytovania \'faverov" nahradi\'9d slovami "poskytovania \'faverov14)".\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12809257 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12809257 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow102\irowband102\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 6}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Z d\'f4vodu jednozna\'e8nosti odpor\'fa\'e8ame spresni\'9d alebo preformulova\'9d slov\'e1 "in\'fdch m\'e9di\'ed" a "na konci procesu".\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid159663 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid159663 N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid159663 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid159663 Navrhovan\'e1 \'faprava je v\~s\'falade so smernicou IDD.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid159663\charrsid159663 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow103\irowband103\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8aVVa \'8aSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 31}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Z d\'f4vodu preh\'beadnosti odpor\'fa\'e8ame v \'a7 17 rozdeli\'9d odseky 4 a 6 na dve p\'edsmen\'e1 - samostatne pre fyzick\'fa osobu a samostatne pre pr\'e1vnick\'fa osobu; z\'e1rove\'f2 v odsekoch 4 a 6 odpor\'fa\'e8 ame slov\'e1 "a), b)" nahradi\'9d slovami "a) a b)". V odseku 8 odpor\'fa\'e8ame slov\'e1 "h, j)" nahradi\'9d slovami "h) a j)".\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 { \rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6573135 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid159663 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6573135 A \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid159663 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid6573135 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6573135 \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid7755764 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid7755764\charrsid7755764 \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow104\irowband104\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MVSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bodu 14}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line K \'e8l. I bodu 14: Odpor\'fa\'e8ame za slovom \'84dop\'e5\'f2a\'93 vypusti\'9d slovo \'84sa\'93 z d\'f4vodu duplicity.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12672842 A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow105\irowband105\ltrrow \ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MVSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bodu 18}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line K \'e8l. I bodu 18: V \'favodnej vete odpor\'fa\'e8ame za slovo ,,nadpisu\'93 vlo\'9ei\'9d slov\'e1 ,,nad paragrafom\'93. Z\'e1rove\'f2 odpor\'fa\'e8ame v navrhovanom \'a7 11 ods. 8 za slovom \'84dop\'e5\'f2a\'93 vypusti\'9d slovo \'84sa\'93.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12672842 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow106\irowband106\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MVSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bodu 19}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line K \'e8l. I bodu 19: V navrhovanom \'a7 11d ods. 4 odpor\'fa\'e8ame za slovo \'84\'e8lensk\'e9ho\'93 vlo\'9ei\'9d slovo \'84\'9at\'e1tu\'93.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12672842 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12672842 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow107\irowband107\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MVSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bodu 33}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line K \'e8l. I bodu 33: Odpor\'fa\'e8ame preformulova\'9d slov\'e1 \'84kvalifikovan\'e1 \'fa\'e8as\'9d os\'f4b na \'9eiadate\'beovi\'93.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12672842 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12672842 N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid12672842 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12672842 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid12672842 Ide o\~legislat\'edvne pou\'9e\'edvan\'e9 slovn\'e9 spojenie.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid12672842\charrsid12672842 \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow108\irowband108\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MVSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bodu 45}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line K \'e8l. I bodu 45: \'davodn\'fa vetu pr\'edslu\'9an\'e9ho bodu treba zos\'faladi\'9d s bodom 34. 3 pr\'edlohy \'e8. 1 legislat\'edvnych pravidiel vl\'e1dy Slovenskej republiky.\cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12672842 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow109\irowband109\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MVSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bodu 60}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line K \'e8l. I bodu 60:V odseku 10 odpor\'fa\'e8ame slov\'e1 \'84\'a7 22 ods. 9\'93 nahradi\'9d slovami \'84odseku 9\'93 vzh\'beadom na to, \'9ee ide o vn\'fatorn\'fd odkaz v r\'e1mci toho ist\'e9ho paragrafu.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12672842 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow110\irowband110\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MVSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. II bodu 2}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line K \'e8l. II bodu 2: Odpor\'fa\'e8ame za slovom \'84dop\'e5\'f2a\'93 vypusti\'9d slovo \'84sa\'93 z d\'f4vodu duplicity.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12672842 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12672842 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow111\irowband111\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MVSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. II bodu 3}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line K \'e8l. II bodu 3: Odpor\'fa\'e8ame v navrhovanom \'a7 70 ods. 13 slovo \'84vyprac\'favaj\'fa\'93 nahradi\'9d slovami \'84vyprac\'fava\'93.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12672842 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14243636 N}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12672842 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid14243636 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14243636 Predkladate\'be nes\'fahlas\'ed pou\'9eitie mno\'9en\'e9ho \'e8\'edsla za vhodnj\'9aie.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14243636\charrsid14243636 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow112\irowband112\ltrrow\ts11\trqc\trleft-8\trbrdrt \brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MVSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. II bodu 4}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line K \'e8l. II bodu 4: Odpor\'fa\'e8ame za slovom \'84Pr\'edloha\'93 vlo\'9ei\'9d slov\'e1 \'84\'e8. 2\'93. Zoznam preberan\'fdch pr\'e1vne z\'e1v\'e4zn\'fdch aktov Eur\'f3pskej \'fanie sa nach\'e1dza v pr\'edlohe \'e8. 2. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12672842 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow113\irowband113\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MVSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. II \'favodnej vete}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line K \'e8l. II \'favodnej vete: Z\'e1kon \'e8. 39/2015 Z. z. o pois\'9dovn\'edctve a o zmene a doplnen\'ed niektor\'fdch z\'e1konov v znen\'ed neskor\'9a\'edch predpisov bol novelizovan\'fd aj z\'e1konom \'e8 . 292/2016 Z. z., ktor\'fdm sa men\'ed a dop\'e5\'f2a z\'e1kon \'e8. 566/2001 Z. z. o cenn\'fdch papieroch a investi\'e8n\'fdch slu\'9eb\'e1ch a o zmene a doplnen\'ed niektor\'fdch z\'e1konov (z\'e1kon o cenn\'fdch papieroch) v znen\'ed neskor\'9a\'ed ch predpisov a ktor\'fdm sa menia a dop\'e5\'f2aj\'fa niektor\'e9 z\'e1kony. Odpor\'fa\'e8ame preto \'favodn\'fa vetu da\'9d do s\'faladu s bodom 28.1 pr\'edlohy \'e8. 1 Legislat\'edvnych pravidiel vl\'e1dy Slovenskej republiky. \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9377455 \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow114\irowband114\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 M\'8ePSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 cel\'e9mu materi\'e1lu}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line bez pripomienok\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \cell \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow115\irowband115\ltrrow\ts11\trqc\trleft-8\trbrdrt \brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k uvodnej vete}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 2.K \'favodnej vete \'e8l. I V \'favodnej vete odpor\'fa\'e8ame doplni\'9d slov\'e1 \'84z\'e1kona \'e8.../2017 Z. z.\'93 vo v\'e4zbe na novelu z\'e1kona \'e8. 186/2009 Z. z. v \'e8l. IV v novele z\'e1kona o cenn\'fd ch papieroch (PT 499), ktor\'e1 je u\'9e predlo\'9een\'e1 v N\'e1rodnej rade SR. Od\'f4vodnenie: Legislat\'edvna pripomienka. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid11410427 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid11410427 N}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4739592 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid6433291 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6433291 \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid3041047 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid6433291 \'c8l\'e1nok, ktor\'fd novelizuje z\'e1kon \'e8 . 186/2009 Z. z. b}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid3041047 ude}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid6433291 zo z\'e1kona o\~cenn\'fdch papieroch vypusten\'fd.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid6433291\charrsid6433291 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow116\irowband116\ltrrow \ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k \'e8l. I bodu 45}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 45.K \'e8l. I bodu 45 V bode 45 \'favodnej vete je potrebn\'e9 slovo \'84vklad\'e1\'93 nahradi\'9d slovom \'84vkladaj\'fa\'93 a pred \'e8\'edslo \'8420a\'93 doplni\'9d paragrafov\'fa zna\'e8ku. Od\'f4vodnenie: Legislat\'ed vna pripomienka. 46.K \'e8l. I bodu 45 V bode 45 v \'a7 20a ods. 1 p\'edsm. f) je potrebn\'e9 slovo \'84adresa\'93 nahradi\'9d slovom \'84adresu\'93 a v p\'edsmene g) slov\'e1 \'84m\'e1 pr\'e1vomoc\'93 nahradi\'9d normat\'edvnej\'9a\'edm vyjadren\'edm. Od \'f4vodnenie: Legislat\'edvna pripomienka. 47.K \'e8l. I bodu 45 V bode 45 v \'a7 20a ods. 3 je potrebn\'e9 slovo \'84m\'e1\'93 nahradi\'9d slovom \'84maj\'fa\'93. Od\'f4vodnenie: Legislat\'edvna pripomienka. \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid2041687 \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow117\irowband117\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k predkladacej spr\'e1ve}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 1.K predkladacej spr\'e1ve Predkladaciu spr\'e1vu je potrebn\'e9 doplni\'9d v s\'falade s \'e8l. 18 ods. 1 p\'edsm. e) Legislat\'edvnych pravidiel vl\'e1dy SR o inform\'e1ciu, \'e8i n\'e1vrh z\'e1kona m\'e1 by\'9d predmetom vn\'fatrokomunit\'e1rneho pripomienkov\'e9ho konania alebo sa u\'9e tak\'e9to konanie uskuto\'e8nilo, doplni\'9d inform\'e1ciu o transpoz\'edcii \'efal\'9a\'edch smern\'edc, ktor\'e9 sa uveden\'fdm n\'e1vrhom z\'e1kona preberaj\'fa, z\'e1rove \'f2 s uveden\'edm ich publika\'e8n\'e9ho zdroja a v druhej odr\'e1\'9eke druh\'e9ho odseku slov\'e1 \'84pr\'e1vnick\'e9 soby\'93 opravi\'9d na \'84pr\'e1vnick\'e9 osoby\'93. Od\'f4vodnenie: Legislat\'edvna pripomienka. \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4739592 \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow118\irowband118\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 ostatn\'e1 dokument\'e1cia}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 1.V noveliza\'e8nom bode \'e8l. I 62 zjednoti\'9d s tabu\'bekou zhody, \'e8i v\'9aeobecne z\'e1v\'e4zn\'fd predpis vyd\'e1 MF SR alebo NBS, 2.V smernici (E\'da) \'e8. 2016/97 a) k \'e8l. 3 ods. 4 \endash odpor\'fa\'e8 ame doplni\'9d povinnos\'9d MF SR poskytova\'9d inform\'e1cie pod\'bea tohto \'e8l\'e1nku, b) k \'e8l. 3 ods. 6 \endash odpor\'fa\'e8ame doplni\'9d povinnos\'9d poskytova\'9d inform\'e1cie o toto\'9enosti pod\'bea p\'edsm. a) a b) (ak to nevypl\'fdva z \'a7 4 ods. 6 p\'edsm. e) z\'e1kona \'e8. 186/2009 Z. z., c) k \'e8l. 4 ods. 3 druh\'fd pododsek \endash odpor\'fa\'e8ame do \'a7 15 z\'e1kona \'e8. 186/2009 Z. z. doplni\'9d slov\'e1 \'84najnesk\'f4r do 30 dn\'ed\'93, d) k \'e8l. 5 ods. 1 tret\'ed pododsek \endash v \'a7 11a ods. 3 z\'e1kona \'e8. 186/2009 Z. z. odpor\'fa\'e8ame zachova\'9d \'84formul\'e1ciu sp\'f4sobu\'93 zo smernice, t. j. pr\'edslu\'9an\'fd org\'e1n hostite\'besk\'e9ho \'e8lensk\'fd \'9at\'e1tu (NBS) \'84prijme, ...\'93 opatrenia, namiesto \'84m\'f4\'9ee prija\'9d, ...\'93, e) k \'e8l. 5 ods. 3 - v \'a7 11a ods. 3 z\'e1kona \'e8. 186/2009 Z. z. odpor\'fa\'e8ame doplni\'9d slov\'e1 smernice \'84bez zbyto\'e8n\'e9ho odkladu\'93, f) k \'e8l. 6 ods. 2 - odpor\'fa\'e8ame v \'e8asti n\'e1rodnej legislat\'edvy doplni\'9d nad pr\'edslu\'9an\'e9 odseky ozna\'e8enie \'84\'a7 20a\'93, g) k \'e8l. 7 ods. 1 \endash odpor\'fa\'e8ame v \'a7 20 ods. 9 z\'e1kona \'e8. 186/2009 Z. z. doplni\'9d slov\'e1 smernice \'84bezodkladne\'93 , h) k \'e8l. 8 ods. 3 - v \'a7 11 ods. 7 z\'e1kona \'e8. 186/2009 Z. z. odpor\'fa\'e8ame zachova\'9d \'84formul\'e1ciu sp\'f4sobu\'93 zo smernice, t. j. pr\'edslu\'9an\'fd org\'e1n hostite\'besk\'e9ho \'e8lensk\'e9ho \'9at\'e1tu (NBS) \'84prijme, ...\'93 opatrenia, namiesto \'84m\'f4\'9ee prija\'9d, ...\'93, i) k \'e8l. 10 ods. 4 \endash odpor\'fa\'e8ame sumy uv\'e1dzan\'e9 \'a7 30 ods. 3 z\'e1kona \'e8. 186/2009 Z. z. zos\'faladi\'9d so smernicou, j) k \'e8l. 11 \endash v \'e8asti n\'e1rodnej legislat \'edvy ch\'fdba inform\'e1cia o tom, \'e8i a ako sa SR rozhodla uplat\'f2ova\'9d pr\'edsnej\'9aie ustanovenia, k) k \'e8l. 17 ods. 3 \endash odpor\'fa\'e8ame v \'e8asti n\'e1rodnej legislat\'edvy ozna\'e8enie \'84\'a7 32 ods. 6\'93 zmeni\'9d na \'84\'a7 32 ods. 5\'93, l) k \'e8l. 18 - znenie \'a7 32 ods. 2 p\'edsm. a) v \'e8asti n\'e1rodnej legislat\'edvy odpor\'fa\'e8ame zmeni\'9d pod\'bea noveliza\'e8n\'e9ho bodu 82. m) k \'e8l. 22 - odpor\'fa\'e8ame v \'e8asti n\'e1rodnej legislat\'edvy ozna\'e8enie \'84\'a7 33 ods. 21\'93 zmeni\'9d na \'84\'a7 33 ods. 22\'93, n) k \'e8l. 24 ods. 3 \endash odpor\'fa\'e8ame doplni\'9d do z\'e1kona inform\'e1ciu, kedy sa odsek 3 tohto \'e8l\'e1nku smernice neuplat\'f2uje, o) k \'e8l. 27 - znenie \'a7 27 ods. 1v \'e8 asti n\'e1rodnej legislat\'edvy odpor\'fa\'e8ame zmeni\'9d pod\'bea noveliza\'e8n\'e9ho bodu 67, p) k \'e8l. 28 - znenie \'a7 27 ods. 1v \'e8asti n\'e1rodnej legislat\'edvy odpor\'fa\'e8ame zmeni\'9d pod\'bea noveliza\'e8n\'e9ho bodu 67, q) k \'e8l. 33 \endash odpor\'fa\'e8ame doplni\'9d transpoz\'edciu odseku 2 p\'edsm. a) a b) a ods. 3 p\'edsm. a), r) k pr\'edlohe I \endash odpor\'fa\'e8ame zjednoti\'9d so znen\'edm n\'e1vrhu z\'e1kona, \'e8i v\'9aeobecne z\'e1v\'e4zn\'fd predpis vyd\'e1 MF SR alebo NBS. 3.V smernici (E\'da) 2014/17 k \'e8l. 33 ods. 1 \endash pri preberan\'ed tohto \'e8l\'e1nku odpor\'fa\'e8ame zachova\'9d \'84mo\'9enos\'9d\'93 zru\'9aenia z\'e1pisu, tak ako to uv\'e1dza vo svojom znen\'ed smernica. 4.Vo v\'9aeobecnej \'e8asti d\'f4vodovej spr\'e1vy odpor\'fa\'e8ame doplni\'9d inform\'e1ciu o transpoz\'edcii \'efal\'9a\'edch smern\'edc, ktor\'e9 sa uveden\'fdm n\'e1vrhom z\'e1kona preberaj\'fa, z\'e1rove\'f2 s uveden\'edm ich publika\'e8n\'e9ho zdroja. 5.V dolo\'9e ke vybran\'fdch vplyvov odpor\'fa\'e8ame v bode 3 a) doplni\'9d inform\'e1ciu o transpoz\'edcii \'efal\'9a\'edch smern\'edc, ktor\'e9 sa uveden\'fdm n\'e1vrhom z\'e1kona preberaj\'fa, z\'e1rove\'f2 s uveden\'edm ich publika\'e8n\'e9ho zdroja, b) slov\'e1 \'84pr\'e1vnick\'e9 soby\'93 opravi\'9d na \'84pr\'e1vnick\'e9 osoby\'93. 6.V dolo\'9eke zlu\'e8ite\'benosti odpor\'fa\'e8ame a) doplni\'9d inform\'e1cie k bodom 1 a 2, b) v bode 3 doplni\'9d do n\'e1zvu smernice 2014/65/E\'da slov\'e1 \'84prepracovan\'e9 znenie\'93, c) v bode 3 pri uv\'e1dzan\'ed publika\'e8n\'e9ho zdroja smernice 91/371/EHS sta\'e8\'ed uvies\'9d jeden zo zdrojov d) doplni\'9d inform\'e1cie o pr\'edpadn\'fdch \'efal\'9a\'edch preberan\'fdch smerniciach. \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid11410427 \'c8A}{ \rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid11410427 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid11410427 Znenie v\~bolo v\~niektor\'fdch ustanoveniach preformulovan\'e9.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565\charrsid11410427 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow119\irowband119\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 vseobecn\'e9}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 10. Vzh\'beadom na ve\'bek\'fd po\'e8et noveliza\'e8n\'fdch bodov (dvojn\'e1sobne viac ako paragrafov z\'e1kona) a mno\'9estvo pripomienok, \'9eiadame o vypracovanie n\'e1vrhu cel\'e9ho nov\'e9ho z\'e1kona v intenci\'e1 ch uplatnen\'fdch pripomienok N\'e1rodnej banky Slovenska a \'9eiadame predlo\'9eenie tohto z\'e1kona N\'e1rodnej banke Slovenska na op\'e4tovn\'e9 pos\'fadenie. T\'e1to pripomienka je z\'e1sadn\'e1. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6565506 N \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid16661506 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid16661506\charrsid3556318 Vypraco}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid16661506\charrsid8460972 vanie}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid16661506 nov\'e9 ho z\'e1kona nie je v\~s\'falade s\~Pl\'e1nom legislat\'edvnych \'faloh vl\'e1dy SR na rok 2017. \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid16661506 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow120\irowband120\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 9, 12}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 10.K \'e8l. I bodu 9 Bod 9 \'9eiadame upravi\'9d takto: \'849.V \'a7 4 p\'edsm. b) sa za slovo "styk" vklad\'e1 \'e8iarka a slov\'e1 "a osoba poskytuj\'faca spotrebite\'besk\'e9 \'favery" sa nahr\'e1dzaj\'fa slovami "verite \'be poskytuj\'faci \'favery na b\'fdvanie alebo spotrebite\'besk\'e9 \'favery a in\'fd verite\'be pod\'bea osobitn\'e9ho predpisu, 16)". Pozn\'e1mka pod \'e8iarou k odkazu 16 znie: \'8416) \'a7 20 ods. 1 a \'a7 24 z\'e1kona \'e8. 129/2010 Z. z. \'a7 2 ods. 1 p\'edsm. a) z\'e1kona \'e8. 90/2016 Z. z.\'93. Od\'f4vodnenie: V texte sa nielen dop\'e5\'f2a verite\'be poskytuj\'faci \'favery na b\'fdvanie, ale aj spres\'f2uje pojem "osoba poskytuj\'faca spotrebite\'besk\'fd \'fa ver" tak, aby bol konzistentn\'fd s doplnen\'fdm textom. T\'e1to pripomienka je zasadn\'e1. 11.K \'e8l. I bodu 12 V bode 12 v\'a7 4 p\'edsm. r) \'9eiadame pri pozn\'e1mke pod \'e8iarou k odkazu \'a7 21a uvies\'9d jednozna\'e8n\'fd odkaz na konkr\'e9 tne ustanovenie z\'e1kona \'e8. 429/2002 Z. z. o burze cenn\'fdch papierov v znen\'ed neskor\'9a\'edch predpisov. Od\'f4vodnenie: Odkaz na \'a7 41 a 42 z\'e1kona je vzh\'beadom na sektor finan\'e8n\'e9ho sprostredkovania a finan\'e8n\'e9 ho poradenstva pre aplika\'e8n\'fa prax neposta\'e8uj\'faci. T\'e1to pripomienka je zasadn\'e1. Z\'e1rove\'f2 v \'e8l. I bode 12 v \'a7 4 p\'edsm. m) upozor\'f2ujeme na pou\'9eitie nejednozna\'e8n\'e9ho a nedefinovan\'e9ho pojmu \'84\'e8innos\'9d distrib \'facie finan\'e8nej slu\'9eby\'93, v p\'edsmen\'e1ch n), p) a s) je potrebn\'e9 vypusti\'9d slovo \'84je\'93 a v p\'edsmene s) prv\'fd bod navrhuje legislat\'edvne upravi\'9d takto: \'841.odvetvia ne\'9eivotn\'e9ho poistenia,21b)\'93 a v pozn\'e1mke pod \'e8iarou k odkazu 21b slovo \'84Z\'e1kon\'93 nahradi\'9d slovami \'84Pr\'edloha \'e8. 1 z\'e1kona\'93. Od\'f4vodnenie: Legislat\'edvna pripomienka. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14090671 \par \par \par \par \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow121\irowband121\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k \'e8l. I bodu 104, 105}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 103. K \'e8l. I bodu 104 V bode 104 je potrebn\'e9 vypusti\'9d slov\'e1 \'84k z\'e1konu\'93. Od\'f4vodnenie: Legislat\'edvna pripomienka. 104. K \'e8l. I bodu 105 V bode 105 doplni\'9d pr\'edpadn\'e9 \'efal\'9aie relevantn \'e9 smernice, ak bud\'fa n\'e1vrhom z\'e1kona preberan\'e9 (napr. smernica (E\'da) \'e8. 2010/78). \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15018149 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15018149 \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow122\irowband122\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k \'e8l. III}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 105. K \'e8l. III Tento z\'e1kon nadob\'fada \'fa\'e8innos\'9d 1. janu\'e1ra 2018. Z\'e1sadne \'9eiadame \'fa\'e8innos\'9d posun\'fa\'9d na 23. febru\'e1r 2018, ktor\'fd je lehotou stanovenou na transpoz\'edciu IDD do vn\'fa tro\'9at\'e1tneho pr\'e1va v zmysle pr\'edlohy II \'e8asti B. Od\'f4vodnenie: NBS ako org\'e1n doh\'beadu ako aj subjekty na finan\'e8nom trhu by mali ma\'9d dostatok \'e8asu prisp\'f4sobi\'9d sa novej pr\'e1vnej \'faprave. Zo strany NBS je nutn\'e9 pripravi\'9d, naprogramova\'9d, aplikova\'9d nov\'e9 IT rie\'9aenia pre plnenie registra\'e8n\'fdch \'faloh vypl\'fdvaj\'facich z novely z\'e1kona. T\'e1to pripomienka je z\'e1sadn\'e1. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15018149 \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow123\irowband123\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k \'e8l. II}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 106.K \'e8l. II 1.V z\'e1kone \'e8. 39/2015 Z. z. o pois\'9dovn\'edctve a o zmene a doplnen\'ed niektor\'fdch z\'e1konov v znen\'ed neskor\'9a\'edch predpisov v \'a7 70 \'9eiadame vypusti\'9d odsek 4. Od\'f4 vodnenie: Smernica Eur\'f3pskeho parlamentu a Rady (E\'da) 2016/97 z 20. janu\'e1ra 2016 o distrib\'facii poistenia zav\'e1dza v \'e8l. 20 \'9atandardizovan\'fd informa\'e8n\'fd dokument o poistnom produkte k produktom ne\'9eivotn\'e9ho poistenia uveden \'fdm v pr\'edlohe 1 k smernici 2009/138 (IPID), nariadenie 1286/2014 o dokumentoch s k\'be\'fa\'e8ov\'fdmi inform\'e1ciami pre \'9atrukturalizovan\'e9 retailov\'e9 investi\'e8n\'e9 produkty a investi\'e8n\'e9 produkty zalo\'9een\'e9 na poisten\'ed (PRIIP) zav\'e1dza dokument s k\'be\'fa\'e8ov\'fdmi inform\'e1ciami, smernica 2014/17 o zmluv\'e1ch o \'favere pre spotrebite\'beov t\'fdkaj\'facich sa nehnute\'benost\'ed ur\'e8en\'fdch na b\'fdvanie (MCD), transponovan\'e1 do z\'e1kona \'e8 . 90/2016 Z. z. o \'faveroch na b\'fdvanie a o zmene a doplnen\'ed niektor\'fdch z\'e1konov, zaviedla Eur\'f3psky \'9atandardizovan\'fd informa\'e8n\'fd formul\'e1r (formul\'e1r ESIS), smernica 2008/48 o zmluv\'e1ch o spotrebite\'beskom \'fa vere, transponovan\'e1 do z\'e1kona \'e8. 129/2010 Z. z. o spotrebite\'besk\'fdch \'faveroch a in\'fdch \'faveroch a p\'f4\'9ei\'e8k\'e1ch pre spotrebite\'beov a o doplnen\'ed niektor\'fdch z\'e1konov v znen\'ed neskor\'9a\'edch predpisov, zaviedla \'8a tandardn\'e9 eur\'f3pske inform\'e1cie o spotrebite\'beskom \'favere. Ponechanie formul\'e1ra (v s\'fa\'e8asnosti platn\'e9 opatrenie NBS \'e8. 14/2015 ktor\'fdm sa ustanovuje vzor formul\'e1ra o d\'f4le\'9eit\'fdch zmluvn\'fdch podmienkach uzatv\'e1 ranej poistnej zmluvy) by bolo v mnoh\'fdch bodoch duplicitou v informa\'e8n\'fdch povinnostiach v porovnan\'ed s vy\'9a\'9aie uveden\'fdmi eur\'f3pskymi \'fapravami. Alternat\'edvou je \'faprava znenia \'a7 70 ods. 4 v z\'e1kone \'e8 . 39/2015 Z. z. o pois\'9dovn\'edctve a o zmene a doplnen\'ed niektor\'fdch z\'e1konov v znen\'ed neskor\'9a\'edch predpisov tak, aby bola pri povinnosti poskytova\'9d predzmluvn\'e9 inform\'e1cie zoh\'beadnen\'e1 skuto\'e8nos\'9d, \'9ee osobitn\'e1 \'fa prava v eur\'f3pskej legislat\'edve (nariadenie PRIIPs, smernica IDD (\'e8l. 20 ods. 5 a 8, po zoh\'beadnen\'ed ods. 7 druh\'e9ho pododseku s mo\'9enos\'9dou vo\'beby \'e8lensk\'fdch \'9at\'e1tov ako aj ods. 9 o vykon\'e1vac\'edch technick\'fd ch predpisoch EIOPA t\'fdkaj\'facich sa \'9atandardizovan\'e9ho form\'e1tu informa\'e8n\'e9ho dokumentu o poistnom produkte s uveden\'edm podrobnost\'ed k ods. 8), smernica MCD) zav\'e1dza formul\'e1re s predzmluvn\'fdmi inform\'e1ciami. T\'e1 to pripomienka je z\'e1sadn\'e1. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3678759 A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5981023 \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid5981023 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid5981023\charrsid5981023 Ustanovenie \'a7 70 ods. 4 }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid5981023 bolo po dohode s\~NBS upraven\'e9.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid5981023\charrsid5981023 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow124\irowband124\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 nad r\'e1mec novely}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 107.Pripomienky nad r\'e1mec predlo\'9eenej novely N\'e1vrh na noveliz\'e1ciu z\'e1kona \'e8. 747/2004 Z. z. o doh\'beade nad finan\'e8n\'fdm trhom a zmene a doplnen\'ed niektor\'fdch z\'e1konov v znen\'ed neskor\'9a\'ed ch predpisov Ustanovenie \'a7 22a n\'e1vrhu z\'e1kona opr\'e1v\'f2uje N\'e1rodn\'fa banku Slovenska do registra zapisova\'9d poskytovate\'beov osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania. V tejto s\'favislosti navrhujeme doplni\'9d do z\'e1kona o doh \'beade povinnos\'9d poskytovate\'beov osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania plati\'9d NBS pr\'edspevky. Od\'f4vodnenie: Poskytovatelia osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania bud\'fa dohliadan\'fdmi subjektmi v zmysle z\'e1kona o doh\'be ade. T\'e1to pripomienka je z\'e1sadn\'e1. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3678759 \par \par N \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid3678759 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3678759 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid3678759 Z\'e1kon \'e8. 747/2004 Z. z. nie je predmetom tejto pr\'e1vnej \'fapravy. Bude rie\'9aen\'fd osobitne.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid3678759\charrsid3678759 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow125\irowband125\ltrrow\ts11\trqc\trleft-8\trbrdrt \brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 13}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 12.K \'e8l. I bodu 13 V bode 13 navrhujeme slov\'e1 \'84v \'favodnej sa za slov\'e1 \'84Ak v\'93\'93 nahradi\'9d slovami \'84\'favodnej vete sa za slovo \'84v\'93\'93. Od\'f4vodnenie: Legislat\'edvna pripomienka. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid11940013 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow126\irowband126\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k \'e8l. I bod 14}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 13.K \'e8l. I bodu 14 V bode 14 v \'a7 6 ods. 2 \'9eiadame vlo\'9ei\'9d nov\'e9 p\'edsmeno e), ktor\'e9 znie: \'84e)viazan\'fd investi\'e8n\'fd agent.\'93. Od\'f4vodnenie: Navrhovan\'e9 znenie je transpoz\'edciou po\'9e iadaviek na vykon\'e1vanie finan\'e8n\'e9ho sprostredkovania finan\'e8n\'fdmi agentmi v sektore kapit\'e1lov\'e9ho trhu v s\'falade s ustanoven\'edm \'e8l. 3 a \'e8l. 29 smernice Eur\'f3pskeho Parlamentu a Rady 2014/65/E\'da z 15. m\'e1 ja 2014 o trhoch s finan\'e8n\'fdmi n\'e1strojmi, ktorou sa men\'ed smernica 2002/92/ES a smernica 2011/61/E\'da (\'efalej len \'84smernica 2014/65/E\'da\'93) a po\'9eiadaviek na odborn\'fa sp\'f4sobilos\'9d pod\'bea \'e8l. 25 (1) smernice 2014/65/E\'da a Usmernenia o posudzovan\'ed znalost\'ed a odbornej sp\'f4sobilosti (ESMA 2015/1886) do slovensk\'e9ho pr\'e1vneho poriadku. T\'e1to pripomienka je zasadn\'e1. Z\'e1rove\'f2 v bode 14 je potrebn\'e9 vypusti\'9d duplicitn\'e9 slovo \'84sa\'93 za slovom \'84dop\'e5\'f2a\'93. Od\'f4vodnenie: Legislat\'edvna pripomienka. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z \cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8879990 \par A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow127\irowband127\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'a7 9 }{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 14.V \'a7 9 \'9eiadame doplni\'9d odsek 3, ktor\'fd znie: \'84(3) Na podriaden\'e9ho finan\'e8n\'e9ho agenta, ktor\'fd m\'e1 opr\'e1vnenie na v\'fdkon \'e8innosti v sektore kapit\'e1lov\'e9ho trhu, sa vz\'9dahuj\'fa ustanovenia tohto z\'e1 kona o viazanom investi\'e8nom agentovi t\'fdkaj\'face sa zodpovednosti za v\'fdkon \'e8innosti a rozsahu \'e8innosti a osobitn\'e9ho predpisu rovnako.\'93. Od\'f4vodnenie: V\'fdkon \'e8innosti v sektore kapit\'e1lov\'e9ho trhu podlieha osobitn\'fdm po \'9eiadavk\'e1m na zodpovednos\'9d a rozsah \'e8innosti v s\'falade s ustanoven\'edm \'e8l. 3 smernice 2014/65/E\'da o poskytovan\'ed niektor\'fdch investi\'e8n\'fdch slu\'9eieb in\'fdmi osobami ako obchodn\'edkmi s cenn\'fdmi papiermi, ustanoven\'edm \'e8l. 29 smernice 2014/65/E\'da, ktor\'e9 upravuj\'fa povinnosti obchodn\'edkov s cenn\'fdmi papiermi pri ustanovovan\'ed viazan\'fdch investi\'e8n\'fdch agentov a pod\'bea z\'e1kona \'e8. 566/2001 Z. z. o cenn\'fdch papieroch a investi\'e8n\'fdch slu \'9eb\'e1ch (z\'e1kon o cenn\'fdch papieroch). Preto v pr\'edpade, ak podriaden\'fd finan\'e8n\'fd agent vykon\'e1va \'e8innosti v sektore kapit\'e1lov\'e9ho trhu, mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky, ktor\'e9 sa uplat\'f2uj\'fa na viazan\'e9ho investi \'e8n\'e9ho agenta. T\'e1to pripomienka je zasadn\'e1. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8879990 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8879990 \par \par \par \par \par A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow128\irowband128\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 16}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 15.K \'e8l. I bodu 16 V bode 16 navrhujeme slov\'e1 \'84slov\'e1 \'84Ak v\'93\'93 nahradi\'9d slovami \'84slovo \'84v\'93\'93. Od\'f4vodnenie: Legislat\'edvna pripomienka. 16.V \'a7 12 ods. 1 v poslednej vete za slov\'e1 \'84finan\'e8n\'e9 sprostredkovanie\'93 \'9eiadame vlo\'9ei\'9d tieto slov\'e1: \'84v sektore kapit\'e1lov\'e9ho trhu a \'efal\'9aie \'e8innosti pod\'bea osobitn\'e9ho predpisu\'93. Od\'f4vodnenie: Ide o vyprecizovanie textu vo vz\'9d ahu k povinnostiam vypl\'fdvaj\'facich z MiFID II a z\'e1kona o cenn\'fdch papierov. T\'e1to pripomienka je zasadn\'e1. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3678759 \par \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid3678759 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid656509 A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow129\irowband129\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'a7 12}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 17.V \'a7 12 \'9eiadame znenie odseku 3 upravi\'9d takto: \'84(3) Ustanovenia tohto z\'e1kona sa nevz\'9dahuj\'fa na zahrani\'e8n\'e9ho obchodn\'edka s cenn\'fdmi papiermi so s\'eddlom na \'fazem\'ed in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a zahrani \'e8n\'fa banku so s\'eddlom na \'fazem\'ed in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu, a ich viazan\'fdch investi\'e8n\'fdch agentov usaden\'fdch v ich domovskom \'e8lenskom \'9at\'e1te, ak maj\'fa v \'famysle pri v\'fdkone ich \'e8innosti na \'fazem\'ed Slovenskej republiky vyu\'9e\'edva\'9d viazan\'fdch investi\'e8n\'fdch agentov usaden\'fdch v ich domovskom \'e8lenskom \'9at\'e1te.\'93. Od\'f4vodnenie: Navrhovan\'e9 znenie zoh\'bead\'f2uje ustanovenia \'e8l. 34 ods. 2 druh\'fd pododsek smernice 2014/65/E\'da a ustanovenie \'e8l. 34 ods. 5 druh\'fd pododsek, ktor\'e9 predpoklad\'e1 cezhrani\'e8n\'e9 poskytovanie investi\'e8n\'fdch slu\'9eieb prostredn\'edctvom jej vlastn\'fdch viazan\'fdch investi\'e8n\'fdch agentov, ktor\'ed sa pre tento pr\'edpad nemusia registrova\'9d v registri viazan\'fdch investi\'e8n\'fdch agentov v Slovenskej republike, a nevypl\'fdvaj\'fa im zo z\'e1kona \'e8. 186/2009 Z. z. o finan\'e8nom sprostredkovan\'ed a finan\'e8nom poradenstve \'efal\'9a ie povinnosti, nako\'beko sa na nich vz\'9dahuje ich n\'e1rodn\'e1 \'faprava a povinnos\'9d notifik\'e1cie pod\'bea uveden\'fdch ustanoven\'ed smernice 2014/65/E\'da. Zos\'faladenie s platn\'fdm znen\'edm ustanovenia \'a7 61s ods. 6 posledn\'e1 veta z\'e1 kona \'e8. 566/2001 Z. z. o cenn\'fdch papieroch a investi\'e8n\'fdch slu\'9eb\'e1ch (z\'e1kon o cenn\'fdch papieroch). T\'e1to pripomienka je zasadn\'e1. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8020787 \par \par \par \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow130\irowband130\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'a7 13, 14}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 18.V \'a7 13 \'9eiadame doplni\'9d odsek 9, ktor\'fd znie: \'84(9) Ak fyzick\'e1 osoba nem\'e1 pridelen\'e9 rodn\'e9 \'e8\'edslo na \'fazem\'ed Slovenskej republiky, eviduje sa d\'e1tum jej narodenia.\'93. Od\'f4 vodnenie: Zmeny vypl\'fdvaj\'fa z aplika\'e8nej praxe pri v\'fdkone \'faloh NBS v zmysle tohto z\'e1kona. T\'e1to pripomienka je zasadn\'e1. 19.V \'a7 14 ods. 1 za slov\'e1 \'84podriaden\'e9ho finan\'e8n\'e9ho agenta\'93 \'9eiadame vlo\'9ei\'9d slov\'e1 \'84sprostredkovate\'bea doplnkov\'e9ho poistenia\'93. Od\'f4vodnenie: Odstr\'e1nenie transpozi\'e8n\'e9ho deficitu - \'e8l. 3 Smernice Eur\'f3pskeho parlamentu a Rady (E\'da) 2016/97 z 20. janu\'e1ra 2016 o distrib\'facii poistenia. T\'e1to pripomienka j e zasadn\'e1. 20.V \'a7 14 \'9eiadame znenie odseku 2 upravi\'9d nasledovne: \'84(2) Navrhovate\'beom na z\'e1pis viazan\'e9ho finan\'e8n\'e9ho agenta a sprostredkovate\'bea doplnkov\'e9ho poistenia je finan\'e8n\'e1 in\'9atit\'facia so s\'ed dlom alebo umiestnen\'edm organiza\'e8nej zlo\'9eky na \'fazem\'ed Slovenskej republiky, s ktorou m\'e1 viazan\'fd finan\'e8n\'fd agent a sprostredkovate\'be doplnkov\'e9ho poistenia uzavret\'fa zmluvu pod\'bea \'a7 8, navrhovate\'beom na z\'e1 pis podriaden\'e9ho finan\'e8n\'e9ho agenta a sprostredkovate\'bea doplnkov\'e9ho poistenia je samostatn\'fd finan\'e8n\'fd agent, s ktor\'fdm m\'e1 podriaden\'fd finan\'e8n\'fd agent a sprostredkovate\'be doplnkov\'e9ho poistenia uzavret\'fa zmluvu pod \'bea \'a7 9. Navrhovate\'beom na z\'e1pis viazan\'e9ho investi\'e8n\'e9ho agenta je osoba opr\'e1vnen\'e1 na vyu\'9e\'edvanie viazan\'fdch investi\'e8n\'fdch agentov pod\'bea osobitn\'e9ho z\'e1kona, s ktorou m\'e1 viazan\'fd investi\'e8n\'fd agent uzavret\'fa zmluvu pod\'bea \'a7 12.\'93. Od\'f4vodnenie: Odstr\'e1nenie transpozi\'e8n\'e9ho deficitu - \'e8l. 3 Smernice Eur\'f3pskeho parlamentu a Rady (E\'da) 2016/97 z 20. janu\'e1ra 2016 o distrib\'facii poistenia. T\'e1 to pripomienka je zasadn\'e1. 21.V \'a7 14 ods. 5 p\'edsm. a) za slov\'e1 \'84podriaden\'e9ho finan\'e8n\'e9ho agenta\'93 \'9eiadame vlo\'9ei\'9d slov\'e1 \'84sprostredkovate\'bea doplnkov\'e9ho poistenia\'93. Od\'f4vodnenie: Odstr\'e1nenie transpozi\'e8n \'e9ho deficitu - \'e8l. 3 Smernice Eur\'f3pskeho parlamentu a Rady (E\'da) 2016/97 z 20. janu\'e1ra 2016 o distrib\'facii poistenia. T\'e1to pripomienka je zasadn\'e1. 22.V \'a7 14 ods. 5 p\'edsm. b) za slov\'e1 \'84podriaden\'e9ho finan\'e8n\'e9 ho agenta\'93 \'9eiadame vlo\'9ei\'9d slov\'e1 \'84sprostredkovate\'bea doplnkov\'e9ho poistenia\'93. Od\'f4vodnenie: Odstr\'e1nenie transpozi\'e8n\'e9ho deficitu - \'e8l. 3 Smernice Eur\'f3pskeho parlamentu a Rady (E\'da) 2016/97 z 20. janu\'e1 ra 2016 o distrib\'facii poistenia. T\'e1to pripomienka je zasadn\'e1. 23.V \'a7 14 \'9eiadame znenie odseku 8 upravi\'9d nasledovne: \'84(8) Navrhovate\'be po prijat\'ed inform\'e1cie pod\'bea odseku 5 p\'edsm. b) bez zbyto\'e8n\'e9 ho odkladu informuje viazan\'e9ho finan\'e8n\'e9ho agenta, podriaden\'e9ho finan\'e8n\'e9ho agenta, sprostredkovate\'bea doplnkov\'e9ho poistenia alebo viazan\'e9ho investi\'e8n\'e9ho agenta o z\'e1pise do registra.\'93. Od\'f4vodnenie: Odstr\'e1 nenie transpozi\'e8n\'e9ho deficitu - \'e8l. 3 Smernice Eur\'f3pskeho parlamentu a Rady (E\'da) 2016/97 z 20. janu\'e1ra 2016 o distrib\'facii poistenia. T\'e1to pripomienka je zasadn\'e1. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3886502 \par \par \par \par \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid13985398 \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid13985398 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid13985398 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow131\irowband131\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 vseobecn\'e9}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 2. \'8eiadame posun\'fa\'9d \'fa\'e8innos\'9d na 23. febru\'e1r 2018, ktor\'fd je lehotou stanovenou na transpoz\'edciu IDD do vn\'fatro\'9at\'e1tneho pr\'e1va v zmysle pr\'edlohy II \'e8asti B. Novela prim\'e1 rne transponuje do slovensk\'e9ho pr\'e1vneho poriadku eur\'f3psku smernicu o distrib\'facii poistenia, ktor\'e1 na jednej strane roz\'9airuje okruh dotknut\'fdch subjektov, a z\'e1rove\'f2 z\'e1sadn\'fdm sp\'f4sobom zvy\'9auje po\'9e iadavky pre tieto subjekty v s\'favislosti s ochranou spotrebite\'bea. Vzh\'beadom na rozsah novely a z\'e1va\'9enos\'9d zmien, ktor\'e9 obsahuje, by subjekty na finan\'e8nom trhu mali dosta\'9d primeran\'fd \'e8asov\'fd priestor na prisp\'f4 sobenie sa novej pr\'e1vnej \'faprave. Smernica stanovuje hrani\'e8n\'fd term\'edn transpoz\'edcie 23. febru\'e1r 2018 a tento by mal by\'9d maxim\'e1lne vyu\'9eit\'fd, aby slovensk\'e9 subjekty neboli diskriminovan\'e9 vo\'e8i subjektom z in\'fdch \'e8 lensk\'fdch \'9at\'e1tov, a to aj z d\'f4vodu, \'9ee novela z\'e1kona bola predlo\'9een\'e1 do legislat\'edvneho procesu a\'9e 19.6.2017 a jeho ukon\'e8enie a uverejnenie novely v Zbierke z\'e1konov mo\'9eno realisticky o\'e8ak\'e1va\'9d a\'9e koncom kalend\'e1rneho roka 2017. Okrem toho, NBS ako org\'e1n doh\'beadu by mal ma\'9d rovnako dostato\'e8n\'fd \'e8asov\'fd priestor na prisp\'f4sobenie sa novej pr\'e1vnej \'faprave. Zo strany NBS bude nutn\'e9 pripravi\'9d, naprogramova\'9d, aplikova \'9d nov\'e9 IT rie\'9aenia pre plnenie registra\'e8n\'fdch \'faloh vypl\'fdvaj\'facich z novely z\'e1kona. T\'e1to pripomienka je z\'e1sadn\'e1. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3678759 A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15863735 \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow132\irowband132\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k \'e8l. II}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 2.V \'a7 77 ods. 1 p\'edsm. a) navrhujeme v odkaze 45) za bodko\'e8iarkou nahradi\'9d \'a7 66b Obchodn\'e9ho z\'e1konn\'edka \'a7 28 ods. 12 z\'e1kona \'e8. 483/2001 Z. z. o bank\'e1ch v znen\'ed neskor\'9a\'ed ch predpisov. Od\'f4vodnenie: Navrhovanou \'fapravou sa zos\'falad\'ed defin\'edcia konania v zhode v r\'e1mci finan\'e8n\'e9ho sektora. 3.V \'e8l. II bode 1 v \'favodnej vete je potrebn\'e9 vypusti\'9d slovo \'84sa\'93 pred slovom \'84dop\'e5\'f2a\'93 . Od\'f4vodnenie: Legislat\'edvna pripomienka. 4. V \'e8l. II bode 1 v \'a7 70 p\'edsm. g) navrhujeme slov\'e1 \'84sa jedn\'e1\'93 nahradi\'9d slovami \'84ide o\'93. Od\'f4vodnenie: Legislat\'edvna pripomienka. 5. V \'e8l. II bode 1 v \'a7 70 p\'ed sm. h) slovn\'e9 spojenie \'84ktor\'e9ho s\'fa tvorcom\'93 odpor\'fa\'e8ame normat\'edvnej\'9aie vyjadri\'9d. Od\'f4vodnenie: Legislat\'edvna pripomienka. 6.V \'e8l. II bode 2 v pozn\'e1mke pod \'e8iarou k odkazu 31a je potrebn\'e9 na konci pripoji\'9d slov\'e1 \'84v znen\'ed z\'e1kona \'e8...../2017 Z. z.\'93 a v pozn\'e1mke pod \'e8iarou k odkazu 31b vypusti\'9d paragrafov\'fa zna\'e8ku pred \'e8\'edslom 37d. Od\'f4vodnenie: Legislat\'edvna pripomienka. 7. V \'e8l. II bode 1 v pozn\'e1mke pod \'e8 iarou k odkazu 28a slov\'e1 \'84Eur\'f3pskej komisie\'93 nahradi\'9d slovom \'84Komisie. Od\'f4vodnenie: Legislat\'edvna pripomienka. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 { \rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4078875 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4078875 \par \par \'c8A \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid11356649 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid11356649 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid11356649\charrsid11356649 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow133\irowband133\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k \'e8l. I bod 25}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 24.K \'e8l. I bodu 25 V bode 25 v\'a7 14 \'9eiadame znenie odseku 9 upravi\'9d nasledovne: \'84(9) Ak ide o fyzick\'fa osobu, N\'e1rodn\'e1 banka Slovenska zap\'ed\'9ae samostatn\'e9ho finan\'e8n\'e9ho agenta, alebo finan \'e8n\'e9ho poradcu do pr\'edslu\'9an\'e9ho zoznamu v pr\'edslu\'9anom podregistri pod\'bea \'a7 13 do desiatich kalend\'e1rnych dn\'ed odo d\'f2a, v ktorom samostatn\'fd finan\'e8n\'fd agent alebo finan\'e8n\'fd poradca predlo\'9eil poistn\'fa zmluvu pod \'bea \'a7 30, a prirad\'ed tejto osobe registra\'e8n\'e9 \'e8\'edslo. Ak ide o pr\'e1vnick\'fa osobu, N\'e1rodn\'e1 banka Slovenska zap\'ed\'9ae samostatn\'e9ho finan\'e8n\'e9ho agenta, alebo finan\'e8n\'e9ho poradcu do pr\'edslu\'9an\'e9ho zoznamu v pr \'edslu\'9anom podregistri pod\'bea \'a7 13 do desiatich kalend\'e1rnych dn\'ed odo d\'f2a, v ktorom samostatn\'fd finan\'e8n\'fd agent alebo finan\'e8n\'fd poradca predlo\'9eil poistn\'fa zmluvu pod\'bea \'a7 30 a v\'fdpis z obchodn\'e9ho registra o z \'e1pise povolenej \'e8innosti do obchodn\'e9ho registra pod\'bea \'a7 18 ods. 18 a prirad\'ed tejto osobe registra\'e8n\'e9 \'e8\'edslo.\'93. Od\'f4vodnenie: Ide o explicitn\'e9 stanovenie povinnosti pre samostatn\'e9ho finan\'e8n\'e9ho agenta a finan \'e8n\'e9ho poradcu preuk\'e1za\'9d N\'e1rodnej banke Slovenska pred z\'e1pisom do registra platne uzatvoren\'fa poistn\'fa zmluvu pod\'bea \'a7 30 z\'e1kona. T\'e1to pripomienka je zasadn\'e1. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid11862547 \par \par \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid11356649 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid11862547 A\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow134\irowband134\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'a7 14}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 25.V \'a7 14 \'9eiadame znenie odseku 11 upravi\'9d nasledovne: \'84(11) Do zoznamu viazan\'fdch investi\'e8n\'fdch agentov mo\'9eno zap\'edsa\'9d len osobu s trval\'fdm pobytom alebo s\'eddlom na \'fazem\'ed Slovenskej republiky alebo pobo\'e8 ku zahrani\'e8nej pr\'e1vnickej osoby, ak t\'e1to zahrani\'e8n\'e1 pr\'e1vnick\'e1 osoba nie je zap\'edsan\'e1 v registri viazan\'fdch investi\'e8n\'fdch agentov v inom \'e8lenskom \'9at\'e1te.\'93. Od\'f4vodnenie: Ide o vyprecizovanie podmienok z\'e1 pisu viazan\'fdch investi\'e8n\'fdch agentov do registra. T\'e1to pripomienka je zasadn\'e1. 26.V \'a7 14 \'9eiadame odsek 14 upravi\'9d nasledovne: \'84(14) N\'e1rodn\'e1 banka Slovenska odmietne vykona\'9d z\'e1pis do registra finan\'e8n\'e9 mu agentovi alebo finan\'e8n\'e9mu poradcovi , ak v\'9aeobecne z\'e1v\'e4zn\'e9 pr\'e1vne predpisy \'9at\'e1tu, ktor\'fdmi sa riadi jedna alebo viac fyzick\'fdch alebo pr\'e1vnick\'fdch os\'f4b, s ktor\'fdmi tvor\'ed tento finan\'e8n\'fd agent alebo finan \'e8n\'fd poradca skupinu s \'fazkymi v\'e4zbami br\'e1nia \'fa\'e8inn\'e9mu doh\'beadu N\'e1rodnej banky Slovenska.\'93. Od\'f4vodnenie: Znenie \'a7 14 ods. 14 \'9eiadame upravi\'9d tak, aby bolo v s\'falade so znen\'edm \'e8l. 3 ods. 7 Smernice Eur\'f3 pskeho parlamentu a Rady (E\'da) 2016/97 z 20. janu\'e1ra 2016 o distrib\'facii poistenia. T\'e1to pripomienka je zasadn\'e1. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid11862547 \par \par \par \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow135\irowband135\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k \'e8l. I bodu 29, 30, 31}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 27.K \'e8l. I bodom 29 a 30 \'8eiadame vypusti\'9d noveliza\'e8n\'e9 body 29 a 30 a navrhujeme nov\'e9 znenie \'a7 16 takto: \'84\'a7 16 (1)N\'e1rodn\'e1 banka Slovenska zru\'9a\'ed z\'e1pis samostatn\'e9ho finan\'e8n\'e9 ho agenta alebo z\'e1pis finan\'e8n\'e9ho poradcu v pr\'edslu\'9anom zozname v pr\'edslu\'9anom podregistri pod\'bea \'a7 13, ak samostatn\'e9mu finan\'e8n\'e9mu agentovi alebo finan\'e8n\'e9mu poradcovi zaniklo opr\'e1vnenie vykon\'e1va\'9d finan\'e8n \'e9 sprostredkovanie alebo finan\'e8n\'e9 poradenstvo na z\'e1klade pr\'edslu\'9an\'e9ho povolenia pod\'bea \'a7 18 v plnom rozsahu alebo pre pr\'edslu\'9an\'fd sektor, a to do 15 dn\'ed odo d\'f2a z\'e1niku povolenia pod\'bea \'a7 18 v plnom rozsahu alebo pre pr\'edslu\'9an\'fd sektor. (2) Navrhovate\'beom na zru\'9aenie z\'e1pisu viazan\'e9ho finan\'e8n\'e9ho agenta alebo sprostredkovate\'bea doplnkov\'e9ho poistenia je finan\'e8n\'e1 in\'9atit\'facia so s\'eddlom alebo umiestnen\'ed m organiza\'e8nej zlo\'9eky na \'fazem\'ed Slovenskej republiky, s ktorou m\'e1 viazan\'fd finan\'e8n\'fd agent uzavret\'fa zmluvu pod\'bea \'a7 8 alebo sprostredkovate\'be doplnkov\'e9ho poistenia uzavret\'fa zmluvu pod\'bea \'a7 11c, navrhovate\'be om na zru\'9aenie z\'e1pisu podriaden\'e9ho finan\'e8n\'e9ho agenta alebo sprostredkovate\'bea doplnkov\'e9ho poistenia je samostatn\'fd finan\'e8n\'fd agent, s ktor\'fdm m\'e1 podriaden\'fd finan\'e8n\'fd agent uzavret\'fa zmluvu pod\'bea \'a7 9 alebo sprostredkovate\'be doplnkov\'e9ho poistenia uzavret\'fa zmluvu pod\'bea \'a7 11c. Navrhovate\'beom na zru\'9aenie z\'e1pisu viazan\'e9ho investi\'e8n\'e9ho agenta je osoba opr\'e1vnen\'e1 na vyu\'9e\'edvanie viazan\'fdch investi\'e8n\'fd ch agentov pod\'bea osobitn\'e9ho z\'e1kona,3) s ktorou m\'e1 viazan\'fd investi\'e8n\'fd agent uzavret\'fa zmluvu pod\'bea \'a7 12. (3) \'8eiadate\'beom o zru\'9aenie z\'e1pisu je viazan\'fd finan\'e8n\'fd agent, ktor\'fd m\'e1 uzavret\'fa zmluvu s finan \'e8nou in\'9atit\'faciou pod\'bea \'a7 8 alebo podriaden\'fd finan\'e8n\'fd agent, ktor\'fd m\'e1 uzavret\'fa zmluvu so samostatn\'fdm finan\'e8n\'fdm agentom pod\'bea \'a7 9 alebo sprostredkovate\'be doplnkov\'e9ho poistenia, ktor\'fd m\'e1 s finan\'e8 nou in\'9atit\'faciou alebo samostatn\'fdm finan\'e8n\'fdm agentom uzavret\'fa zmluvu pod\'bea \'a7 11a alebo viazan\'fd investi\'e8n\'fd agent, ktor\'fd m\'e1 uzavret\'fa zmluvu pod\'bea \'a7 12 s osobou opr\'e1vnenou na vyu\'9e\'edvanie viazan\'fd ch investi\'e8n\'fdch agentov pod\'bea osobitn\'e9ho z\'e1kona.3) (4) N\'e1rodn\'e1 banka Slovenska zru\'9a\'ed z\'e1pis viazan\'e9ho finan\'e8n\'e9ho agenta, podriaden\'e9ho finan\'e8n\'e9ho agenta, sprostredkovate\'bea doplnkov\'e9 ho poistenia alebo viazan\'e9ho investi\'e8n\'e9ho agenta v pr\'edslu\'9anom zozname v pr\'edslu\'9anom podregistri pod\'bea \'a7 13, ak a) viazan\'fd finan\'e8n\'fd agent, podriaden\'fd finan\'e8n\'fd agent, sprostredkovate\'bea doplnkov\'e9 ho poistenia alebo viazan\'fd investi\'e8n\'fd agent, ktor\'fd je fyzickou osobou, 1. zomrel alebo bol vyhl\'e1sen\'fd za m\'e0tveho, 2. bol pozbaven\'fd sp\'f4sobilosti na pr\'e1vne \'fakony alebo mu bola t\'e1to sp\'f4sobilos\'9d obmedzen\'e1, b) viazan \'fd finan\'e8n\'fd agent, podriaden\'fd finan\'e8n\'fd agent, sprostredkovate\'bea doplnkov\'e9ho poistenia alebo viazan\'fd investi\'e8n\'fd agent, ktor\'fd je pr\'e1vnickou osobou, bol zru\'9aen\'fd, c) na majetok viazan\'e9ho finan\'e8n\'e9 ho agenta, podriaden\'e9ho finan\'e8n\'e9ho agenta, sprostredkovate\'bea doplnkov\'e9ho poistenia alebo viazan\'e9ho investi\'e8n\'e9ho agenta bol vyhl\'e1sen\'fd konkurz alebo bol zamietnut\'fd n\'e1vrh na vyhl\'e1 senie konkurzu pre nedostatok majetku pod\'bea osobitn\'e9ho predpisu,26) d) navrhovate\'be na zru\'9aenie z\'e1pisu podal \'fapln\'fd n\'e1vrh na zru\'9aenie z\'e1pisu v registri (\'efalej len \'84n\'e1vrh na zru\'9aenie z\'e1pisu\'93) viazan\'e9ho finan \'e8n\'e9ho agenta, podriaden\'e9ho finan\'e8n\'e9ho agenta, sprostredkovate\'bea doplnkov\'e9ho poistenia alebo viazan\'e9ho investi\'e8n\'e9ho agenta; ak navrhovate\'bea o zru\'9aenie z\'e1pisu o podanie n\'e1vrhu na zru\'9aenie z\'e1pisu p\'edsomne po \'9eiadal viazan\'fd finan\'e8n\'fd agent, podriaden\'fd finan\'e8n\'fd agent, sprostredkovate\'be doplnkov\'e9ho poistenia alebo viazan\'fd investi\'e8n\'fd agent, je navrhovate\'be povinn\'fd poda\'9d n\'e1vrh na zru\'9aenie z\'e1pisu t\'fdchto os\'f4 b do 15 dn\'ed odo d\'f2a doru\'e8enia tejto \'9eiadosti, e) \'9eiadate\'be o zru\'9aenie z\'e1pisu podal N\'e1rodnej banke Slovenska p\'edsomn\'fa \'9eiados\'9d o zru\'9aenie z\'e1pisu v registri pod\'bea ods. 14, ak si navrhovate\'be nesplnil povinnos \'9d pod\'bea p\'edsm. d), f) finan\'e8nej in\'9atit\'facii, s ktorou mal viazan\'fd finan\'e8n\'fd agent, sprostredkovate\'bea doplnkov\'e9ho poistenia alebo viazan\'fd investi\'e8n\'fd agent uzavret\'fa zmluvu pod\'bea \'a7 8, \'a7 11c alebo \'a7 12, zaniklo povolenie na vykon\'e1vanie \'e8innosti, ak je t\'e1to finan\'e8n\'e1 in\'9atit\'facia opr\'e1vnen\'e1 vykon\'e1va\'9d \'e8innos\'9d na z\'e1klade povolenia a jej pr\'e1va a povinnosti neprech\'e1dzaj\'fa na pr\'e1vneho n\'e1stupcu, ktor\'fd m\'e1 povolenie na vykon\'e1vanie \'e8innosti, g) samostatn\'e9mu finan\'e8n\'e9mu agentovi, s ktor\'fdm mal podriaden\'fd finan\'e8n\'fd agent alebo sprostredkovate\'bea doplnkov\'e9ho poistenia uzavret\'fa zmluvu pod\'bea \'a7 9 alebo \'a7 11c, zaniklo povolenie pod\'bea \'a7 18 v plnom rozsahu alebo pre pr\'edslu\'9an\'fd sektor. (5) Navrhovate\'be na zru\'9aenie z\'e1pisu je povinn\'fd bez zbyto\'e8n\'e9ho odkladu poda\'9d n\'e1vrh na zru\'9aenie z\'e1pisu viazan\'e9ho finan\'e8n\'e9 ho agenta, podriaden\'e9ho finan\'e8n\'e9ho agenta, sprostredkovate\'bea doplnkov\'e9ho poistenia alebo viazan\'e9ho investi\'e8n\'e9ho agenta, ak viazan\'fd finan\'e8n\'fd agent, podriaden\'fd finan\'e8n\'fd agent, sprostredkovate\'bea doplnkov\'e9 ho poistenia alebo viazan\'fd investi\'e8n\'fd agent prestal sp\'e5\'f2a\'9d po\'9eiadavky na odborn\'fa sp\'f4sobilos\'9d, d\'f4veryhodnos\'9d alebo opakovane z\'e1va\'9en\'fdm sp\'f4sobom poru\'9ail ustanovenia tohto z\'e1kona, osobitn\'fd ch predpisov26a) alebo in\'fdch v\'9aeobecne z\'e1v\'e4zn\'fdch pr\'e1vnych predpisov, ktor\'e9 sa vz\'9dahuj\'fa na vykon\'e1vanie finan\'e8n\'e9ho sprostredkovania. (6) N\'e1rodn\'e1 banka Slovenska zru\'9a\'ed z\'e1pis finan\'e8n\'e9ho sprostredkovate \'bea z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu v sektore poistenia alebo zaistenia v pr\'edslu\'9anom zozname v pr\'edslu\'9anom podregistri pod\'bea \'a7 13 do 15 dn\'ed odo d\'f2a, v ktorom jej a) finan\'e8n\'fd sprostredkovate\'be z in\'e9ho \'e8lensk \'e9ho \'9at\'e1tu v sektore poistenia alebo zaistenia ozn\'e1mil, \'9ee ukon\'e8il svoju \'e8innos\'9d na \'fazem\'ed Slovenskej republiky, b) pr\'edslu\'9an\'fd org\'e1n doh\'beadu domovsk\'e9ho \'e8lensk\'e9ho \'9at\'e1tu ozn\'e1mil, \'9ee finan\'e8n \'e9mu sprostredkovate\'beovi z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu v sektore poistenia alebo zaistenia zaniklo opr\'e1vnenie na vykon\'e1vanie tejto \'e8innosti v jeho domovskom \'e8lenskom \'9at\'e1te. (7) N\'e1vrh na zru\'9aenie z\'e1pisu sa pod\'e1 va elektronicky. Za spr\'e1vnos\'9d a \'faplnos\'9d \'fadajov v n\'e1vrhu na zru\'9aenie z\'e1pisu zodpoved\'e1 navrhovate\'be na zru\'9aenie z\'e1pisu. (8) Ak sa N\'e1rodn\'e1 banka Slovenska dozvedela o d\'f4vodoch zru\'9aenia z\'e1pisu pod\'be a odseku 4 p\'edsm. a) a\'9e c) a p\'edsm. f) a\'9e h) a odseku 6 alebo navrhovate\'be na zru\'9aenie z\'e1pisu podal \'fapln\'fd n\'e1vrh na zru\'9aenie z\'e1pisu pod\'bea odseku 4 p\'edsm. d) a odseku 5 alebo \'9eiadate\'be o zru\'9aenie z\'e1 pisu podal N\'e1rodnej banke Slovenska \'fapln\'fa p\'edsomn\'fa \'9eiados\'9d o zru\'9aenie z\'e1pisu v registri v zmysle ods. 4 p\'edsm. e), N\'e1rodn\'e1 banka Slovenska do piatich pracovn\'fdch dn\'ed odo d\'f2a, v ktorom sa dozvedela o t\'fdchto d \'f4vodoch zru\'9aenia z\'e1pisu, alebo do 15 dn\'ed od prijatia \'fapln\'e9ho n\'e1vrhu na zru\'9aenie z\'e1pisu alebo \'9eiadosti o zru\'9aenie z\'e1pisu a) zru\'9a\'ed z\'e1pis viazan\'e9ho finan\'e8n\'e9ho agenta, podriaden\'e9ho finan\'e8n\'e9 ho agenta, sprostredkovate\'bea doplnkov\'e9ho poistenia alebo viazan\'e9ho investi\'e8n\'e9ho agenta v pr\'edslu\'9anom zozname v pr\'edslu\'9anom podregistri pod\'bea \'a7 13, b) informuje navrhovate\'bea na zru\'9aenie z\'e1pisu elektronicky o zru\'9a en\'ed z\'e1pisu viazan\'e9ho finan\'e8n\'e9ho agenta, podriaden\'e9ho finan\'e8n\'e9ho agenta, sprostredkovate\'bea doplnkov\'e9ho poistenia alebo viazan\'e9ho investi\'e8n\'e9ho agenta v pr\'edslu\'9anom zozname v pr\'edslu\'9anom podregistri pod\'bea \'a7 13, c) informuje \'9eiadate\'bea o zru\'9aenie z\'e1pisu pod\'bea odseku 4 p\'edsm. e) elektronicky o zru\'9aen\'ed jeho z\'e1pisu v pr\'edslu\'9anom zozname v pr\'edslu\'9anom podregistri pod\'bea \'a7 13. (9) Ak je n\'e1vrh na zru\'9aenie z\'e1 pisu ne\'fapln\'fd alebo \'9eiados\'9d o zru\'9aenie z\'e1pisu ne\'fapln\'e1, na tak\'fdto n\'e1vrh na zru\'9aenie z\'e1pisu alebo \'9eiados\'9d o zru\'9aenie z\'e1pisu sa h\'bead\'ed, ako keby neboli podan\'e9, a N\'e1rodn\'e1 banka Slovenska o tom informuje navrhovate\'bea na zru\'9aenie z\'e1pisu alebo \'9eiadate\'bea o zru\'9aenie z\'e1pisu elektronicky do 15 dn\'ed odo d\'f2a ich prijatia. (10) Opr\'e1vnenie viazan\'e9ho finan\'e8n\'e9ho agenta, podriaden\'e9ho finan\'e8n \'e9ho agenta, sprostredkovate\'bea doplnkov\'e9ho poistenia a viazan\'e9ho investi\'e8n\'e9ho agenta vykon\'e1va\'9d finan\'e8n\'e9 sprostredkovanie zanik\'e1 d\'f2om zru\'9aenia z\'e1pisu v registri. (11) Navrhovate\'be na zru\'9aenie z\'e1 pisu je povinn\'fd bez zbyto\'e8n\'e9ho odkladu p\'edsomne ozn\'e1mi\'9d podanie n\'e1vrhu na zru\'9aenie z\'e1pisu v pr\'edslu\'9anom zozname v pr\'edslu\'9anom podregistri pod\'bea \'a7 13 viazan\'e9mu finan\'e8n\'e9mu agentovi, podriaden\'e9mu finan \'e8n\'e9mu agentovi, sprostredkovate\'beovi doplnkov\'e9ho poistenia alebo viazan\'e9mu investi\'e8n\'e9mu agentovi. (12) Ak N\'e1rodn\'e1 banka Slovenska zru\'9a\'ed z\'e1pis finan\'e8n\'e9ho agenta, ktor\'fd m\'e1 trval\'fd pobyt alebo s\'eddlo na \'fa zem\'ed Slovenskej republiky, alebo finan\'e8n\'e9ho poradcu, ktor\'fd m\'e1 trval\'fd pobyt alebo s\'eddlo na \'fazem\'ed Slovenskej republiky, v registri, ktor\'fd bol opr\'e1vnen\'fd vykon\'e1va\'9d finan\'e8n\'e9 sprostredkovanie alebo finan\'e8n\'e9 poradenstvo v sektore poistenia alebo zaistenia aj na \'fazem\'ed in\'fdch \'e8lensk\'fdch \'9at\'e1tov, je povinn\'e1 o tom informova\'9d pr\'edslu\'9an\'e9 org\'e1ny doh\'beadu v t\'fdchto \'e8lensk\'fdch \'9at\'e1toch bez zbyto\'e8n\'e9 ho odkladu odo d\'f2a zru\'9aenia z\'e1pisu v registri. (13) Obsah n\'e1vrhu na z\'e1pis, obsah n\'e1vrhu na zmenu z\'e1pisu a obsah n\'e1vrhu na zru\'9aenie z\'e1pisu, obsah \'9eiadosti o zru\'9aenie z\'e1pisu, v\'fd\'9aku poplatku za n\'e1vrh na z\'e1 pis, v\'fd\'9aku poplatku za n\'e1vrh na zmenu z\'e1pisu a sp\'f4sob ich uhradenia a preukazovania ich uhradenia, maxim\'e1lny po\'e8et os\'f4b, ktor\'fd m\'f4\'9ee obsahova\'9d n\'e1vrh na z\'e1pis, n\'e1vrh na zmenu z\'e1pisu a n\'e1vrh na zru\'9aenie z \'e1pisu, vzor osved\'e8enia, \'9atrukt\'faru registra\'e8n\'e9ho \'e8\'edsla, sp\'f4sob predkladania n\'e1vrhu na z\'e1pis, n\'e1vrhu na zmenu z\'e1pisu, n\'e1vrhu na zru\'9aenie z\'e1pisu, \'9eiadosti o zru\'9aenie z\'e1pisu a \'efal\'9a ie podrobnosti o registri ustanov\'ed N\'e1rodn\'e1 banka Slovenska opatren\'edm vyhl\'e1sen\'fdm v Zbierke z\'e1konov Slovenskej republiky (\'efalej len \'84zbierka z\'e1konov\'93)\'93. Od\'f4vodnenie: Z d\'f4vodu jednozna\'e8nosti ur\'e8enia d\'f2a z \'e1niku opr\'e1vnenia na vykon\'e1vanie \'e8innosti v zmysle z\'e1kona 186/2009 na \'fa\'e8ely z\'e1kona o soci\'e1lnom poisten\'ed bolo potrebn\'e9 upravi\'9d podmienky ustanoven\'e9 v \'a7 16. Uveden\'e9 bolo konzultovan\'e9 s MF SR, Soci\'e1lnou pois \'9dov\'f2ou a MPSVR. T\'e1to pripomienka je zasadn\'e1. 28.K \'e8l. I bodu 31 \'8eiadame znenie \'a7 17 ods. 4 upravi\'9d nasledovne: \'84(4) N\'e1rodn\'e1 banka Slovenska na svojom webovom s\'eddle zverej\'f2uje zo zoznamu viazan\'fdch finan\'e8n\'fd ch agentov \'fadaje uveden\'e9 v odseku 3 p\'edsm. a) a\'9e k) okrem rodn\'e9ho \'e8\'edsla.\'93. Od\'f4vodnenie: Z\'e1konn\'e9 ustanovenie by malo bra\'9d na zrete\'be ustanovenia z\'e1kona o ochrane osobn\'fdch \'fadajov. T\'e1to pripomienka je zasadn \'e1. 29.K \'e8l. I bodu 31 V bode 31 v \'a7 17 ods. 5 p\'edsm. c) z d\'f4vodu jednotnosti pojmov pou\'9eit\'fdch v predch\'e1dzaj\'facich ustanoveniach odpor\'fa\'e8ame vypusti\'9d slovo \'84podniku\'93. Od\'f4vodnenie: Legislat\'edvna pripomienka. 30.K \'e8l. I bodu 31 V \'a7 17 ods. 5 p\'edsm. d) za slovo podnikania \'9eiadame vlo\'9ei\'9d \'e8iarku a slov\'e1: \'84telef\'f3nne \'e8\'edslo a adresa elektronickej po\'9aty\'93. Od\'f4vodnenie: Z d\'f4vodu efekt\'edvnej\'9aieho v\'fdkonu doh\'be adu a jednoduch\'9aieho kontaktu so subjektmi sp\'e5\'f2aj\'faceho po\'9eiadavky modernej a promptnej komunik\'e1cie navrhujeme doplnenie t\'fdchto kontaktn\'fdch \'fadajov. T\'e1to pripomienka je zasadn\'e1. 31.K \'e8l. I bodu 31 V \'a7 17 ods. 5 p\'ed sm. k) slov\'e1 \'84samostatn\'fdmi finan\'e8n\'fdmi agentmi, s ktor\'fdmi\'93 \'9eiadame nahradi\'9d slovami \'84samostatn\'fdm finan\'e8n\'fdm agentom, s ktor\'fdm\'93. Od\'f4vodnenie: \'8atylistick\'e1 \'faprava. T\'e1to pripomienka je zasadn\'e1 . 32.K \'e8l. I bodu 31 V \'a7 17 ods. 6 navrhujeme nasledovn\'e9 znenie: \'84(6) N\'e1rodn\'e1 banka Slovenska na svojom webovom s\'eddle zverej\'f2uje zo zoznamu podriaden\'fdch finan\'e8n\'fdch agentov \'fadaje pod\'bea odseku 5 p\'edsm. p\'edsm. a) a \'9e k) okrem rodn\'e9ho \'e8\'edsla.\'93. Od\'f4vodnenie: Z\'e1konn\'e9 ustanovenie by malo bra\'9d na zrete\'be ustanovenia z\'e1kona o ochrane osobn\'fdch \'fadajov. T\'e1to pripomienka je zasadn\'e1. 33.K \'e8l. I bodu 31 V bode 31 v \'a7 17 ods. 8 je potrebn\'e9 za p\'edsmeno \'84h\'93 doplni\'9d polz\'e1tvorku. Od\'f4vodnenie: Legislat\'edvna pripomienka 34.K \'e8l. I bodu 31 V \'a7 17 \'9eiadame vypusti\'9d odsek 15. Uveden\'e9 ustanovenie u\'9e navrhujeme upravi\'9d v odseku 9 v \'a7 13, tak ako a je to uveden\'e9 v bode 18 n\'e1\'9aho stanoviska. Od\'f4vodnenie: \'8eiadame o vypustenie z d\'f4vodu duplicity. T\'e1to pripomienka je z\'e1sadn\'e1. 35.K \'e8l. I bodu 31 V\'9aeobecn\'e1 pripomienka k \'a7 17 \endash navrhujeme v evidovan\'fdch \'fadajoch v zozname samostatn\'fdch finan\'e8n\'fdch agentoch alebo finan\'e8n\'fdch poradcoch doplni\'9d mo\'9enos\'9d zap\'edsa\'9d aj s\'eddlo pobo\'e8ky, rovnako je to pri finan\'e8n\'fdch sprostredkovate\'beoch z in\'fd ch \'e8lensk\'fdch \'9at\'e1tov. Od\'f4vodnenie: Navrhuje sa z d\'f4vodu jednotn\'e9ho postupu v aplika\'e8nej praxi. T\'e1to pripomienka je zasadn\'e1. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid11862547 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid11356649 \par \par \par \par \par \par \par \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid11862547 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow136\irowband136\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 v\'9aeobecn\'e9}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 3. Z\'e1rove\'f2 upozor\'f2ujeme, \'9ee vzh\'beadom na nov\'fa \'fapravu odbornej sp\'f4sobilosti a s n\'e1vrhom NBS na posunutie \'fa\'e8innosti na 23. febru\'e1ra 2018 pova\'9eujeme za potrebn\'e9 posun\'fa\'9d prechodn \'e9 obdobie pre osoby, ktor\'e9 vykon\'e1vaj\'fa finan\'e8n\'e9 sprostredkovanie alebo finan\'e8n\'e9 poradenstvo pod\'bea predpisov \'fa\'e8inn\'fdch do 22. febru\'e1ra 2018 na splnenie po\'9eiadaviek pre odborn\'fa sp\'f4sobilos\'9d, z navrhovan\'e9 ho term\'ednu 30. septembra 2018 na 31. decembra 2018. T\'e1to pripomienka je z\'e1sadn\'e1. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid16209132 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15863735 \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow137\irowband137\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k \'e8l. I bod 1}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 3.K \'e8l. I bodu 1 \'8eiadame nov\'e9 znenie \'a7 1 ods. 1 p\'edsmeno c) v tomto znen\'ed: \'84c ) register finan\'e8n\'fdch agentov, finan\'e8n\'fdch poradcov, finan\'e8n\'fdch sprostredkovate\'beov z in\'e9ho \'e8lensk \'e9ho \'9at\'e1tu v sektore poistenia a zaistenia alebo finan\'e8n\'fdch sprostredkovate\'beov z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu v sektore poskytovania \'faverov na b\'fdvanie (\'efalej len \'84register\'93),\'93. Od\'f4 vodnenie: Ide o spresnenie formul\'e1cie v zmysle, \'9ee N\'e1rodn\'e1 banka Slovenska bude do registra zapisova\'9d aj finan\'e8n\'fdch sprostredkovate\'beov z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu v sektore poskytovania \'faverov na b\'fdvanie v zmysle z \'e1kona o \'faveroch na b\'fdvanie v s\'falade so smernicou. T\'e1to pripomienka je zasadn\'e1. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14050826 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14050826 \par \par \par A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow138\irowband138\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k \'e8l. I bodu 33}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 36.K \'e8l. I bodu 33 Z navrhovan\'e9ho znenia nie je zrejm\'e9, ak\'fdm sp\'f4sobom m\'e1 \'9eiadate\'be preuk\'e1za\'9d splnenie podmienok ustanoven\'fdch v p\'edsm. d) a rovnako nie je zrejm\'e9, ak\'fdm sp\'f4 sobom bude N\'e1rodn\'e1 banka Slovenska sk\'fama\'9d splnenie uveden\'fdch podmienok. Z uveden\'e9ho d\'f4vodu je preto potrebn\'e9 primerane upravi\'9d nielen znenie odseku 2 ale aj znenie odseku 6 (teda ak\'e9 pr\'edlohy k \'9e iadosti o udelenie povolenia m\'e1 samostatn\'fd finan\'e8n\'fd agent a finan\'e8n\'fd poradca na preuk\'e1zanie splnenia podmienky pod\'bea \'a7 18 ods. 4 p\'edsm. d) predlo\'9ei\'9d). Od\'f4vodnenie: Z d\'f4vodu v\'fdkonu kontroly a doh\'be adu nad uveden\'fdm ustanoven\'edm \'9eiadame o \'9apecifik\'e1ciu ustanovenia. T\'e1to pripomienka je zasadn\'e1. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid11687949 \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow139\irowband139\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'a7 18}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 37.V \'a7 18 odseku 6 \'9eiadame nov\'e9 znenie p\'edsmena e): \'84e) doklady o skupine s \'fazkymi v\'e4zbami, do ktorej patr\'ed \'9eiadate\'be, , ako aj grafick\'e9 zn\'e1zornenie \'9atrukt\'fary tejto skupiny a doklady preukazuj\'fa ce kvalifikovan\'fa \'fa\'e8as\'9d os\'f4b na \'9eiadate\'beovi,\'93. Od\'f4vodnenie: Transpoz\'edcia \'e8l. 3 ods. 6 Smernice Eur\'f3pskeho parlamentu a Rady (E\'da) 2016/97 z 20. janu\'e1ra 2016 o distrib\'facii poistenia. T\'e1to pripomienka je zasadn \'e1. 38.V \'a7 18 \'9eiadame znenie odseku 12 upravi\'9d takto: \'84(12)Samostatn\'fd finan\'e8n\'fd agent a finan\'e8n\'fd poradca s\'fa povinn\'ed bez zbyto\'e8n\'e9ho odkladu ozn\'e1mi\'9d a preuk\'e1za\'9d N\'e1rodnej banke Slovenska zmeny v skuto \'e8nostiach uveden\'fdch v odsekoch 2 a\'9e 7 predlo\'9een\'edm pr\'edslu\'9an\'fdch dokladov.\'93. Od\'f4vodnenie: Pri zmene licen\'e8n\'fdch podmienok, ktor\'e9 mus\'ed samostatn\'fd finan\'e8n\'fd agent a finan\'e8n\'fd poradca plni\'9d nepretr\'9e ite bola doplnen\'e1 povinnos\'9d nie len ozn\'e1mi\'9d ich zmenu N\'e1rodnej banke Slovenska, ale tieto zmeny podlo\'9ei\'9d pr\'edslu\'9an\'fdmi dokladmi preukazuj\'facich tieto skuto\'e8nosti. T\'e1to pripomienka je z\'e1sadn\'e1. 39.V \'a7 18 \'9e iadame odsek 16 upravi\'9d takto: \'84(16)Povolenie na vykon\'e1vanie \'e8innosti samostatn\'e9ho finan\'e8n\'e9ho agenta a povolenie na vykon\'e1vanie \'e8innosti finan\'e8n\'e9ho poradcu mo\'9eno vr\'e1ti\'9d prostredn\'edctvom ozn\'e1menia o vr\'e1ten \'ed povolenia; ozn\'e1menie o vr\'e1ten\'ed povolenia mus\'ed ma\'9d p\'edsomn\'fa formu, \'faradne osved\'e8en\'fd podpis a mus\'ed by\'9d doru\'e8en\'e9 N\'e1rodnej banke Slovenska.\'94. Od\'f4vodnenie: N\'e1vrhom sa precizuje forma vr\'e1 tenia povolenia na vykon\'e1vanie \'e8innosti samostatn\'e9ho finan\'e8n\'e9ho agenta a povolenia na vykon\'e1vanie \'e8innosti finan\'e8n\'e9ho poradcu, pri\'e8om sa analogicky vych\'e1dza z \'a7 18 z\'e1kona v spojen\'ed s \'a7 16 ods. 2 z\'e1kona \'e8 . 747/2004 Z. z. o doh\'beade nad finan\'e8n\'fdm trhom a o zmene a doplnen\'ed niektor\'fdch z\'e1konov v znen\'ed neskor\'9a\'edch predpisov, pod\'bea ktor\'e9ho je pri \'9eiadosti o udelenie povolania na vykon\'e1vanie \'e8innosti samostatn\'e9ho finan \'e8n\'e9ho agenta a na udelenie povolenia na vykon\'e1vanie \'e8innosti finan\'e8n\'e9ho poradcu je potrebn\'e9, aby \'9eiados\'9d obsahovala \'faradne osved\'e8en\'fd podpis T\'e1to pripomienka je z\'e1sadn\'e1. \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid11931175 \par \par \par \par \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid11687949 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid11687949 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid11931175 A \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid11931175 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid11931175 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid11931175 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid11931175\charrsid11931175 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow140\irowband140\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 vseobecn\'e9}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 4. Ke\'ef\'9ee smernica 2016/97 o distrib\'facii poistenia (IDD) zav\'e1dza v \'e8l. 20 \'9atandardizovan\'fd informa\'e8n\'fd dokument o poistnom produkte k produktom ne\'9eivotn\'e9ho poistenia uveden\'fdm v pr\'ed lohe 1 k smernici 2009/138 (IPID), a rovnako aj nariadenie 1286/2014 o dokumentoch s k\'be\'fa\'e8ov\'fdmi inform\'e1ciami pre \'9atrukturalizovan\'e9 retailov\'e9 investi\'e8n\'e9 produkty a investi\'e8n\'e9 produkty zalo\'9een\'e9 na poisten\'ed (PRIIP) zav\'e1dza dokument s k\'be\'fa\'e8ov\'fdmi inform\'e1ciami, \'9eiadame vypusti\'9d splnomoc\'f2ovacie ustanovenie na vydanie opatrenia NBS, ktor\'e9 ustanovuje vzor formul\'e1ra o d\'f4le\'9eit\'fdch zmluvn\'fdch podmienkach uzatv\'e1 ranej poistnej zmluvy, s ktor\'fdmi mus\'ed by\'9d poistn\'edk obozn\'e1men\'fd pred uzavret\'edm poistnej zmluvy, zo z\'e1kona \'e8. 39/2015 Z. z. o pois\'9dovn\'edctve a o zmene a doplnen\'ed niektor\'fdch z\'e1konov v znen\'ed neskor\'9a\'ed ch predpisov. Ponechanie formul\'e1ra (v s\'fa\'e8asnosti platn\'e9 opatrenie NBS \'e8. 14/2015 ktor\'fdm sa ustanovuje vzor formul\'e1ra o d\'f4le\'9eit\'fdch zmluvn\'fdch podmienkach uzatv\'e1ranej poistnej zmluvy) by bolo duplicitou v informa\'e8n\'fd ch povinnostiach v porovnan\'ed s vy\'9a\'9aie uveden\'fdmi eur\'f3pskymi \'fapravami a zvy\'9aovalo by administrat\'edvnu n\'e1ro\'e8nos\'9d pre distrib\'fatorov na slovenskom trhu v porovnan\'ed s ostatn\'fdmi \'e8lensk\'fdmi krajinami. T\'e1 to pripomienka je z\'e1sadn\'e1. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid1251838 \par \par \par A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow141\irowband141\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k \'e8l. I bod 2}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 4.K \'e8l. I bodu 2 V \'a7 1 ods. 1 p\'edsm. e) \'9eiadame spresni\'9d pojem \'84niektor\'e9 vz\'9dahy\'93. Od\'f4vodnenie: Defin\'edcia je postaven\'e1 ve\'bemi \'9airoko a je vhodn\'e9 ju \'9apecifikova\'9d. T\'e1 to pripomienka je zasadn\'e1. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14513872 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9586099 N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid9586099 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid1251838 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid9586099 Uveden\'e9 ustanovenie m\'e1 len normat\'edvny charakter v\~ predmete z\'e1kona, aby boli z\'e1konom pokryt\'e9 aj ustanovenia, ktor\'e9 sa t\'fdkaj\'fa finan\'e8nej in\'9atit\'facie.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9586099 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow142\irowband142\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k \'e8l. I bodu 40}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 40.K \'e8l. I bodu 40 V \'e8l. I bode 40 v pozn\'e1mke pod \'e8iarou k odkazu 27a upozor\'f2ujeme, \'9ee \'a7 8 z\'e1kona \'e8. 371/2004 Z. z. o s\'eddlach a obvodoch s\'fadov Slovenskej republiky a o zmene z\'e1kona \'e8 . 99/1963 Zb. Ob\'e8iansky s\'fadny poriadok v znen\'ed neskor\'9a\'edch predpisov bol vypusten\'fd v \'e8l. XCVI z\'e1kona \'e8. 125/2016 Z. z. o niektor\'fdch opatreniach s\'favisiacich s prijat\'edm Civiln\'e9ho sporov\'e9ho poriadku, Civiln\'e9 ho mimosporov\'e9ho poriadku a Spr\'e1vneho s\'fadneho poriadku a o zmene a doplnen\'ed niektor\'fdch z\'e1konov. Od\'f4vodnenie: Legislat\'edvna pripomienka. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5928301 \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow143\irowband143\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'a7 19}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 41.V \'a7 19 ods. 1 p\'edsmeno e) \'9eiadame upravi\'9d takto: \'84e) 30 dn\'ed od doru\'e8enia ozn\'e1menia o vr\'e1ten\'ed povolenia N\'e1rodnej banke Slovenska,\'93. Od\'f4vodnenie: Ide o zmenu, ktor\'e1 vych\'e1dza z novej koncepcie z\'e1 niku vykon\'e1vania \'e8innosti samostatn\'e9ho finan\'e8n\'e9ho agenta a finan\'e8n\'e9ho poradcu v pr\'edpade, \'9ee k ukon\'e8eniu \'e8innosti doch\'e1dza z vlastn\'e9ho podnetu t\'fdchto os\'f4b. Povolenie na v\'fdkon \'e8innosti t\'fdmto osob\'e1 m zanikne po uplynut\'ed 30 dn\'ed odo d\'f2a doru\'e8enia ozn\'e1menia o vr\'e1ten\'ed povolenia N\'e1rodnej banke Slovenska. T\'e1to lehota sa preru\'9auje po\'e8as v\'fdkonu doh\'beadu na mieste, a to aj v pr\'edpade, \'9ee sa za\'e8ne po doru\'e8en \'ed tohto ozn\'e1menia N\'e1rodnej banke Slovenska, alebo ak je veden\'e9 alebo za\'e8at\'e9 konanie o ulo\'9een\'ed sankcie. Uveden\'e9 m\'e1 zabr\'e1ni\'9d \'9apekulat\'edvnemu ukon\'e8enia \'e8innosti cie\'beom ktor\'e9ho je vyhn\'fa\'9d sa v\'fd konu doh\'beadu alebo udeleniu sankcie. T\'e1to pripomienka je z\'e1sadn\'e1. 42.V \'a7 19 \'9eiadame vlo\'9ei\'9d nov\'fd odsek 2, ktor\'fd znie: \'84(2) Samostatn\'fd finan\'e8n\'fd agent alebo finan\'e8n\'fd poradca m\'f4\'9ee vr\'e1ti\'9d povolenie p \'edsomne prostredn\'edctvom ozn\'e1menia o vr\'e1ten\'ed povolenia.\'93. Od\'f4vodnenie: Ide o zmenu, ktor\'e1 vych\'e1dza z novej koncepcie z\'e1niku vykon\'e1vania \'e8innosti samostatn\'e9ho finan\'e8n\'e9ho agenta a finan\'e8n\'e9ho poradcu v pr\'ed pade, \'9ee k ukon\'e8eniu \'e8innosti doch\'e1dza z vlastn\'e9ho podnetu t\'fdchto os\'f4b. Povolenie na v\'fdkon \'e8innosti t\'fdmto osob\'e1m zanikne po uplynut\'ed 30 dn\'ed odo d\'f2a doru\'e8enia ozn\'e1menia o vr\'e1ten\'ed povolenia N\'e1 rodnej banke Slovenska. T\'e1to lehota sa preru\'9auje po\'e8as v\'fdkonu doh\'beadu na mieste, a to aj v pr\'edpade, \'9ee sa za\'e8ne po doru\'e8en\'ed tohto ozn\'e1menia N\'e1rodnej banke Slovenska, alebo ak je veden\'e9 alebo za\'e8at\'e9 konanie o ulo\'9een\'ed sankcie. Uveden\'e9 m\'e1 zabr\'e1ni\'9d \'9apekulat\'edvnemu ukon\'e8enia \'e8innosti cie\'beom ktor\'e9ho je vyhn\'fa\'9d sa v\'fdkonu doh\'beadu alebo udeleniu sankcie. T\'e1to pripomienka je z\'e1sadn\'e1. \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid1251838 A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4021358 \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow144\irowband144\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k \'e8l. I bodu 43, 44}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 43.K \'e8l. I bodu 43 V \'a7 19 \'9eiadame nov\'e9 znenie novoozna\'e8en\'e9ho odseku 4 (doteraj\'9aieho odseku 3):\'84(4) Lehota pod\'bea odseku 1 p\'edsm. e) neplynie po\'e8as doh\'beadu na mieste alebo po\'e8 as konania o ulo\'9een\'ed sankcie pod\'bea \'a7 39.\'93. Od\'f4vodnenie: Ide o zmenu, ktor\'e1 vych\'e1dza z novej koncepcie z\'e1niku vykon\'e1vania \'e8innosti samostatn\'e9ho finan\'e8n\'e9ho agenta a finan\'e8n\'e9ho poradcu v pr\'edpade, \'9e e k ukon\'e8eniu \'e8innosti doch\'e1dza z vlastn\'e9ho podnetu t\'fdchto os\'f4b. Povolenie na v\'fdkon \'e8innosti t\'fdmto osob\'e1m zanikne po uplynut\'ed 30 dn\'ed odo d\'f2a doru\'e8enia ozn\'e1menia o vr\'e1ten\'ed povolenia N\'e1 rodnej banke Slovenska. T\'e1to lehota sa preru\'9auje po\'e8as v\'fdkonu doh\'beadu na mieste, a to aj v pr\'edpade, \'9ee sa za\'e8ne po doru\'e8en\'ed tohto ozn\'e1menia N\'e1rodnej banke Slovenska, alebo ak je veden\'e9 alebo za\'e8at\'e9 konanie o ulo\'9een\'ed sankcie. Uveden\'e9 m\'e1 zabr\'e1ni\'9d \'9apekulat\'edvnemu ukon\'e8enia \'e8innosti cie\'beom ktor\'e9ho je vyhn\'fa\'9d sa v\'fdkonu doh\'beadu alebo udeleniu sankcie. T\'e1to pripomienka je z\'e1sadn\'e1. 44.K \'e8 l. I bodu 44 V bode 44 ods. 1 p\'edsm. d) a e) je potrebn\'e9 pojem \'84relevantn\'fdch pr\'edpadoch\'93 nahradi\'9d normat\'edvnej\'9a\'edm pojmom, plat\'ed aj pre \'efal\'9aie ustanovenia. Od\'f4vodnenie: Legislat\'edvna pripomienka. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8270646 A}{ \rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid2041687 \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow145\irowband145\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k \'e8l. I bodom 46 - 55}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 48.K \'e8l. I bodom 46 a\'9e 55 Noveliza\'e8n\'e9 body 46 a\'9e 55 \'9eiadame vypusti\'9d a \'9eiadame upravi\'9d nov\'e9 znenie \'a7 21 takto: \'84\'a7 21 (1) Odbornou sp\'f4sobilos\'9dou na \'fa\'e8ely tohto z\'e1kona s \'fa odborn\'e9 vedomosti fyzick\'fdch os\'f4b uveden\'fdch v odsekoch 4 a\'9e 10 vykon\'e1va\'9d finan\'e8n\'e9 sprostredkovanie alebo finan\'e8n\'e9 poradenstvo riadne a na dostato\'e8nej odbornej \'farovni. (2) Ustanovuj\'fa sa tieto stupne odbornej sp \'f4sobilosti: a) z\'e1kladn\'fd stupe\'f2 odbornej sp\'f4sobilosti, b) stredn\'fd stupe\'f2 odbornej sp\'f4sobilosti, c) vy\'9a\'9a\'ed stupe\'f2 odbornej sp\'f4sobilosti, d) najvy\'9a\'9a\'ed stupe\'f2 odbornej sp\'f4sobilosti. (3) Odbornou sp\'f4 sobilos\'9dou pre a) z\'e1kladn\'fd stupe\'f2 odbornej sp\'f4sobilosti je ukon\'e8en\'e9 najmenej stredn\'e9 odborn\'e9 vzdelanie a absolvovanie osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania pre ka\'9ed\'fd sektor, v ktorom je osoba opr\'e1vnen\'e1 vykon \'e1va\'9d finan\'e8n\'e9 sprostredkovanie, b) stredn\'fd stupe\'f2 odbornej sp\'f4sobilosti je ukon\'e8en\'e9 najmenej stredn\'e9 odborn\'e9 vzdelanie, \'faspe\'9ane vykonan\'e1 odborn\'e1 sk\'fa\'9aka a absolvovanie osobitn\'e9ho finan\'e8n\'e9ho vzdel \'e1vania pre ka\'9ed\'fd sektor, v ktorom je osoba opr\'e1vnen\'e1 vykon\'e1va\'9d finan\'e8n\'e9 sprostredkovanie; stredn\'fd stupe\'f2 odbornej sp\'f4sobilosti v sektore kapit\'e1lov\'e9ho trhu je ukon\'e8en\'e9 najmenej stredn\'e9 odborn\'e9 vzdelanie, jednoro\'e8n\'e1 odborn\'e1 prax v sektore kapit\'e1lov\'e9ho trhu, \'faspe\'9ane vykonan\'e1 odborn\'e1 sk\'fa\'9aka a absolvovanie osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania, c) vy\'9a\'9a\'ed stupe\'f2 odbornej sp\'f4sobilosti je ukon \'e8en\'e9 najmenej stredn\'e9 odborn\'e9 vzdelanie, trojro\'e8n\'e1 odborn\'e1 prax v sektore, v ktorom m\'e1 osoba z\'e1ujem vykon\'e1va\'9d finan\'e8n\'e9 sprostredkovanie, \'faspe\'9ane vykonan\'e1 odborn\'e1 sk\'fa\'9aka a absolvovanie osobitn\'e9 ho finan\'e8n\'e9ho vzdel\'e1vania pre ka\'9ed\'fd sektor, v ktorom je osoba opr\'e1vnen\'e1 vykon\'e1va\'9d finan\'e8n\'e9 sprostredkovanie, d) najvy\'9a\'9a\'ed stupe\'f2 odbornej sp\'f4sobilosti je ukon\'e8en\'e9 najmenej \'fapln\'e9 stredn\'e9 odborn \'e9 vzdelanie alebo \'fapln\'e9 stredn\'e9 v\'9aeobecn\'e9 vzdelanie, sedemro\'e8n\'e1 odborn\'e1 prax v sektore, v ktorom m\'e1 osoba z\'e1ujem vykon\'e1va\'9d finan\'e8n\'e9 sprostredkovanie, \'faspe\'9ane vykonan\'e1 odborn\'e1 sk\'fa\'9aka s certifik \'e1tom a absolvovanie osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania pre ka\'9ed\'fd sektor, v ktorom je osoba opr\'e1vnen\'e1 vykon\'e1va\'9d finan\'e8n\'e9 poradenstvo. (4) Viazan\'fd finan\'e8n\'fd agent a sprostredkovate\'be doplnkov\'e9 ho poistenia, ktor\'fd je fyzickou osobou, aspo\'f2 jeden \'e8len \'9atatut\'e1rneho org\'e1nu pod\'bea \'a7 24 ods. 2 viazan\'e9ho finan\'e8n\'e9ho agenta a sprostredkovate\'bea doplnkov\'e9ho poistenia a odborn\'fd garant viazan\'e9ho finan\'e8n\'e9 ho agenta a sprostredkovate\'bea doplnkov\'e9ho poistenia mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky najmenej pre z\'e1kladn\'fd stupe\'f2 odbornej sp\'f4sobilosti, ak tento z\'e1kon neustanovuje inak. (5) Podriaden\'fd finan\'e8n\'fd agent, ktor\'fd je f yzickou osobou, aspo\'f2 jeden \'e8len \'9atatut\'e1rneho org\'e1nu pod\'bea \'a7 24 ods. 2 podriaden\'e9ho finan\'e8n\'e9ho agenta a odborn\'fd garant podriaden\'e9ho finan\'e8n\'e9ho agenta mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky najmenej pre stredn\'fd stupe\'f2 odbornej sp\'f4sobilosti, ak tento z\'e1kon neustanovuje inak.. (6) Viazan\'fd investi\'e8n\'fd agent, ktor\'fd je fyzickou osobou, ka\'9ed\'fd \'e8len \'9atatut\'e1rneho org\'e1nu a odborn\'fd garant viazan\'e9ho investi\'e8n\'e9ho agenta mus \'ed sp\'e5\'f2a\'9d po\'9eiadavky najmenej pre stredn\'fd stupe\'f2 odbornej sp\'f4sobilosti. (7) Samostatn\'fd finan\'e8n\'fd agent, ktor\'fd je fyzickou osobou, \'9atatut\'e1rny org\'e1n alebo aspo\'f2 jeden \'e8len \'9atatut\'e1rneho org\'e1nu pod\'be a \'a7 24 ods. 2 samostatn\'e9ho finan\'e8n\'e9ho agenta a odborn\'fd garant samostatn\'e9ho finan\'e8n\'e9ho agenta mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky najmenej pre vy\'9a\'9a\'ed stupe\'f2 odbornej sp\'f4sobilosti. (8) Finan\'e8n\'fd poradca, ktor\'fd je fyzickou osobou, aspo\'f2 jeden \'e8len \'9atatut\'e1rneho org\'e1nu pod\'bea \'a7 24 ods. 2 finan\'e8n\'e9ho poradcu a odborn\'fd garant finan\'e8n\'e9ho poradcu mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky najmenej pre najvy\'9a\'9a\'ed stupe\'f2 odbornej sp\'f4sobilosti. (9) Ka\'9ed\'fd zamestnanec a ka\'9ed\'fd \'e8len \'9atatut\'e1rneho org\'e1nu viazan\'e9ho finan\'e8n\'e9ho agenta a podriaden\'e9ho finan\'e8n\'e9ho agenta vykon\'e1vaj\'faci \'e8innos\'9d, ktorej obsahom je finan\'e8n\'e9 sprostredkovanie v in\'fdch sektoroch ako je sektor kapit\'e1lov\'e9ho trhu, mus\'ed sp\'e5\'f2a\'9d najmenej po\'9eiadavky pre z\'e1kladn\'fd stupe\'f2 odbornej sp\'f4sobilosti. Ka\'9ed\'fd zamestnanec a ka\'9ed\'fd \'e8len \'9atatut\'e1rneho org\'e1 nu sprostredkovate\'bea doplnkov\'e9ho poistenia vykon\'e1vaj\'faci \'e8innos\'9d, ktorej obsahom je finan\'e8n\'e9 sprostredkovanie, mus\'ed sp\'e5\'f2a\'9d najmenej po\'9eiadavky pre z\'e1kladn\'fd stupe\'f2 odbornej sp\'f4sobilosti. Ka\'9ed\'fd zam estnanec a ka\'9ed\'fd \'e8len \'9atatut\'e1rneho org\'e1nu viazan\'e9ho finan\'e8n\'e9ho agenta a podriaden\'e9ho finan\'e8n\'e9ho agenta vykon\'e1vaj\'faci \'e8innos\'9d, ktorej obsahom je finan\'e8n\'e9 sprostredkovanie v sektore kapit\'e1lov\'e9 ho trhu, mus\'ed sp\'e5\'f2a\'9d najmenej po\'9eiadavky najmenej pre stredn\'fd stupe\'f2 odbornej sp\'f4sobilosti. Ka\'9ed\'fd zamestnanec viazan\'e9ho investi\'e8n\'e9ho agenta vykon\'e1vaj\'faci \'e8innos\'9d, ktorej obsahom je finan\'e8n\'e9 sprostredkovanie v sektore kapit\'e1lov\'e9ho trhu, mus\'ed sp\'e5\'f2a\'9d najmenej po\'9eiadavky pre stredn\'fd stupe\'f2 odbornej sp\'f4sobilosti. Ka\'9ed\'fd zamestnanec a ka\'9ed\'fd \'e8len \'9atatut\'e1rneho org\'e1nu samostatn\'e9ho finan\'e8n \'e9ho vykon\'e1vaj\'faci \'e8innos\'9d, ktorej obsahom je finan\'e8n\'e9 sprostredkovanie, mus\'ed sp\'e5\'f2a\'9d najmenej po\'9eiadavky pre stredn\'fd stupe\'f2 odbornej sp\'f4sobilosti. Ka\'9ed\'fd zamestnanec a ka\'9ed\'fd \'e8len \'9atatut\'e1 rneho org\'e1nu finan\'e8n\'e9ho poradcu vykon\'e1vaj\'faci \'e8innos\'9d, ktorej obsahom je finan\'e8n\'e9 poradenstvo, mus\'ed sp\'e5\'f2a\'9d najmenej po\'9eiadavky pre vy\'9a\'9a\'ed stupe\'f2 odbornej sp\'f4sobilosti. (10) Odborn\'fd garant finan\'e8 nej in\'9atit\'facie mus\'ed sp\'e5\'f2a\'9d najmenej po\'9eiadavky na stredn\'fd stupe\'f2 odbornej sp\'f4sobilosti. (11) Odborn\'fa sp\'f4sobilos\'9d preukazuje a) viazan\'fd finan\'e8n\'fd agent, podriaden\'fd finan\'e8n\'fd agent, sprostredkovate\'be doplnkov\'e9ho poistenia a viazan\'fd investi\'e8n\'fd agent navrhovate\'beovi najnesk\'f4r ku d\'f2u podania n\'e1vrhu na z\'e1pis do pr\'edslu\'9an\'e9ho zoznamu v pr\'edslu\'9anom podregistri pod\'bea \'a7 13, b) samostatn\'fd finan\'e8n\'fd agent a finan\'e8n\'fd poradca N\'e1rodnej banke Slovenska ku d\'f2u podania \'9eiadosti o udelenie povolenia pod\'bea \'a7 18, c) zamestnanec finan\'e8n\'e9ho agenta alebo zamestnanec finan\'e8n\'e9ho poradcu najnesk\'f4r ku d\'f2u skuto\'e8n\'e9ho za \'e8atia vykon\'e1vania \'e8innosti, ktorej obsahom je finan\'e8n\'e9 sprostredkovanie alebo finan\'e8n\'e9 poradenstvo, finan\'e8n\'e9mu agentovi alebo finan\'e8n\'e9mu poradcovi. (12) Odborn\'e1 sp\'f4sobilos\'9d sa preukazuje a) \'faradne osved\'e8 enou k\'f3piou dokladu o dosiahnut\'ed vzdelania ustanoven\'e9ho pre jednotliv\'e9 stupne odbornej sp\'f4sobilosti, b) potvrden\'edm o d\'e5\'9eke odbornej praxe v sektore, v ktorom m\'e1 osoba z\'e1ujem vykon\'e1va\'9d finan\'e8n\'e9 sprostredkovanie, ustanovenej pre jednotliv\'e9 stupne odbornej sp\'f4sobilosti a o vykon\'e1vanej \'e8innosti po\'e8as tejto odbornej praxe. (13) Absolvovanie osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania mo\'9eno overi\'9d nahliadnut\'edm do zoznamu os \'f4b pod\'bea \'a7 22 ods. 8 prvej vety, ktor\'fd je dostupn\'fd na webovom s\'eddle N\'e1rodnej banky Slovenska. \'daspe\'9an\'e9 vykonanie odbornej sk\'fa\'9aky a jej platnos\'9d, \'faspe\'9an\'e9 vykonanie odbornej sk\'fa\'9aky s certifik\'e1tom mo \'9eno overi\'9d nahliadnut\'edm do zoznamu os\'f4b pod\'bea \'a7 22 ods. 8 druhej vety, ktor\'fd je dostupn\'fd na webovom s\'eddle N\'e1rodnej banky Slovenska. (14) Ka\'9ed\'fd zamestnanec a ka\'9ed\'fd \'e8len \'9atatut\'e1rneho org\'e1nu finan\'e8n \'e9ho agenta vykon\'e1vaj\'faci \'e8innos\'9d, ktorej obsahom je finan\'e8n\'e9 sprostredkovanie v sektore kapit\'e1lov\'e9ho trhu, ktor\'fd nesp\'e5\'f2a podmienku pod\'bea odseku 8, je opr\'e1vnen\'fd vykon\'e1va\'9d \'e8innos\'9d , ktorej obsahom je finan\'e8n\'e9 sprostredkovanie v sektore kapit\'e1lov\'e9ho trhu, len ak t\'fato \'e8innos\'9d vykon\'e1va pod veden\'edm a na zodpovednos\'9d osoby sp\'e5\'f2aj\'facej po\'9eiadavky pod\'bea odseku 8, av\'9aak najdlh\'9aie po\'e8 as obdobia jedn\'e9ho roka. (15) Ustanovenie odseku 14 sa nevz\'9dahuje na \'e8lena \'9atatut\'e1rneho org\'e1nu zodpovedn\'e9ho za v\'fdkon finan\'e8n\'e9ho sprostredkovania a odborn\'e9ho garanta finan\'e8n\'e9ho agenta.\'93. Od\'f4vodnenie: N\'e1rodn \'e1 banka Slovenska navrhla nov\'e9 znenie \'a7 21, ktor\'e9 u\'9e v sebe zah\'e0\'f2a po\'9eiadavky na odborn\'fa sp\'f4sobilos\'9d. T\'e1to pripomienka je z\'e1sadn\'e1. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8270646 \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow146\irowband146\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k \'e8l. I bodom 56 - 60}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 49.K \'e8l. I bodom 56 a\'9e 60 \'8eiadame vypusti\'9d noveliza\'e8n\'e9 body 56 a\'9e 60 a \'9eiadame upravi\'9d nov\'e9 znenie \'a7 22 takto: \'84\'a7 22 (1) Fyzick\'e1 osoba, ktor\'e1 mus\'ed sp\'e5\'f2a\'9d po\'9e iadavky pre z\'e1kladn\'fd stupe\'f2 odbornej sp\'f4sobilosti mus\'ed absolvova\'9d ka\'9edoro\'e8ne osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie v rozsahu aspo\'f2 15 hod\'edn. Fyzick\'e1 osoba, ktor\'e1 mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky pre stredn\'fd a vy\'9a\'9a\'ed stupe\'f2 odbornej sp\'f4sobilosti mus\'ed absolvova\'9d ka\'9edoro\'e8ne osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie v rozsahu aspo\'f2 15 hod\'edn a najmenej ka\'9ed\'e9 \'9atyri roky \'faspe\'9ane vykona\'9d odborn\'fa sk\'fa\'9a ku. Fyzick\'e1 osoba, ktor\'e1 mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky pre najvy\'9a\'9a\'ed stupe\'f2 odbornej sp\'f4sobilosti mus\'ed absolvova\'9d ka\'9edoro\'e8ne osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie v rozsahu aspo\'f2 15 hod\'edn a najmenej ka\'9e d\'e9 \'9atyri roky \'faspe\'9ane vykona\'9d odborn\'fa sk\'fa\'9aku s certifik\'e1tom. Odborn\'e1 sk\'fa\'9aka a odborn\'e1 sk\'fa\'9aka s certifik\'e1tom sa vykon\'e1va pred sk\'fa\'9aobnou komisiou. N\'e1rodn\'e1 banka Slovenska vymen\'fava a odvol\'e1 va predsedu, podpredsedu a \'efal\'9a\'edch \'e8lenov sk\'fa\'9aobnej komisie a schva\'beuje sk\'fa\'9aobn\'fd poriadok. (2) Odborn\'fa sk\'fa\'9aku pre jednotliv\'e9 sektory a jednotliv\'e9 stupne odbornej sp\'f4sobilosti zabezpe\'e8uje N\'e1rodn\'e1 banka Slovenska alebo \'f2ou poveren\'e1 pr\'e1vnick\'e1 osoba. \'da\'e8astn\'edci odbornej sk\'fa\'9aky s\'fa povinn\'ed pred jej vykonan\'edm riadne a v\'e8as uhradi\'9d poplatok, ktor\'fd sa pri jej ne\'faspe\'9anom vykonan\'ed nevracia. Poplatok za vykonanie odbornej sk\'fa\'9aky je pr\'edjmom N\'e1rodnej banky Slovenska. Ak odborn\'fa sk\'fa\'9aku zabezpe\'e8uje pr\'e1vnick\'e1 osoba poveren\'e1 N\'e1rodnou bankou Slovenska, je poplatok za jej vykonanie pr\'edjmom tejto pr \'e1vnickej osoby. (3) Finan\'e8n\'fd agent a finan\'e8n\'fd poradca je povinn\'fd vies\'9d osobitn\'fa evidenciu, v ktorej sa uv\'e1dzaj\'fa najmenej tieto \'fadaje a doklady: a) meno a priezvisko zamestnanca alebo \'e8lena \'9atatut\'e1rneho org\'e1 nu finan\'e8n\'e9ho agenta alebo finan\'e8n\'e9ho poradcu, ktor\'fd je opr\'e1vnen\'fd vykon\'e1va\'9d \'e8innos\'9d, ktorej obsahom je finan\'e8n\'e9 sprostredkovanie alebo finan\'e8n\'e9 poradenstvo, b) sektory, v ktor\'fdch je zamestnanec alebo \'e8 len \'9atatut\'e1rneho org\'e1nu finan\'e8n\'e9ho agenta alebo finan\'e8n\'e9ho poradcu opr\'e1vnen\'fd vykon\'e1va\'9d \'e8innos\'9d, ktorej obsahom je finan\'e8n\'e9 sprostredkovanie alebo finan\'e8n\'e9 poradenstvo, c) d\'e1tum za\'e8atia vykon\'e1 vania \'e8innosti zamestnanca alebo \'e8lena \'9atatut\'e1rneho org\'e1nu, ktorej obsahom je finan\'e8n\'e9 sprostredkovanie alebo finan\'e8n\'e9 poradenstvo, a to za ka\'9ed\'fd sektor osobitne, d) d\'e1tum absolvovania ka\'9ed\'e9ho osobitn\'e9ho finan \'e8n\'e9ho vzdel\'e1vania zamestnanca alebo \'e8lena \'9atatut\'e1rneho org\'e1nu, ktor\'fd je opr\'e1vnen\'fd vykon\'e1va\'9d \'e8innos\'9d, ktorej obsahom je finan\'e8n\'e9 sprostredkovanie alebo finan\'e8n\'e9 poradenstvo a to za ka\'9ed\'fd sektor osobitne, e) d\'e1tum \'faspe\'9an\'e9ho vykonania odbornej sk\'fa\'9aky zamestnanca, a to za ka\'9ed\'fd sektor osobitne, ak sa vykonanie odbornej sk\'fa\'9aky pre pr\'edslu\'9an\'fd stupe\'f2 odbornej sp\'f4sobilosti vy\'9eaduje, f) \'fa radne osved\'e8en\'e9 k\'f3pie dokladov preukazuj\'facich dosiahnutie vzdelania ustanoven\'e9ho pre jednotliv\'e9 stupne odbornej sp\'f4sobilosti. (4) Ustanovenia \'a7 21 a 23 sa nevz\'9dahuj\'fa na finan\'e8n\'e9ho sprostredkovate\'bea z in\'e9ho \'e8 lensk\'e9ho \'9at\'e1tu v sektore poistenia alebo zaistenia. (5) Odborn\'e1 sk\'fa\'9aka s certifik\'e1tom je osobitnou odbornou sk\'fa\'9akou, za ktorej \'faspe\'9an\'e9 vykonanie sa z\'edskava certifik\'e1t. Certifik\'e1t potvrdzuje, \'9ee osoba, ktor \'e1 odborn\'fa sk\'fa\'9aku s certifik\'e1tom \'faspe\'9ane vykonala, je dostato\'e8ne informovan\'e1 o finan\'e8n\'fdch slu\'9eb\'e1ch a m\'e1 teoretick\'e9 znalosti v takom rozsahu a kvalite, \'9ee je schopn\'e1 vyprac\'fava\'9d nestrann\'fa anal\'fd zu dostupn\'fdch finan\'e8n\'fdch slu\'9eieb v pr\'edslu\'9anom sektore. (6) Obsah a rozsah odbornej sk\'fa\'9aky a odbornej sk\'fa\'9aky s certifik\'e1tom, sp\'f4sob jej vykonania, v\'fd\'9aku poplatku za jej vykonanie, sp\'f4sob jeho uhr\'e1dzania a \'efal\'9aie podrobnosti o odbornej sk\'fa\'9ake ustanov\'ed N\'e1rodn\'e1 banka Slovenska opatren\'edm vyhl\'e1sen\'fdm v zbierke z\'e1konov. (7) \'da\'e8astn\'edk osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania, \'fa\'e8astn\'edk odbornej sk\'fa\'9a ky a odbornej sk\'fa\'9aky s certifik\'e1tom je na \'fa\'e8ely svojej identifik\'e1cie povinn\'fd poskytn\'fa\'9d N\'e1rodnej banke Slovenska, osobe poverenej N\'e1rodnou bankou Slovenska pod\'bea odseku 2 a poskytovate\'beovi osobitn\'e9ho finan\'e8n\'e9 ho vzdel\'e1vania osobn\'e9 \'fadaje v rozsahu meno, priezvisko, adresa trval\'e9ho pobytu, adresa prechodn\'e9ho pobytu na \'fazem\'ed Slovenskej republiky, ak existuje a rodn\'e9 \'e8\'edslo, ak bolo pridelen\'e9. Ak rodn\'e9 \'e8\'edslo na \'fazem\'ed Slovenskej republiky nebolo pridelen\'e9, nahr\'e1dza sa d\'e1tumom narodenia. Tieto \'fadaje sa vyu\'9e\'edvaj\'fa aj v zoznamoch veden\'fdch pod\'bea odseku 8. (8) N\'e1rodn\'e1 banka Slovenska vedie zoznam os\'f4b, ktor\'e9 absolvovali osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie, a to pre jednotliv\'e9 sektory a jednotliv\'e9 stupne odbornej sp\'f4sobilosti. N\'e1rodn\'e1 banka Slovenska vedie zoznam os\'f4b, ktor\'e9 \'faspe\'9ane vykonali odborn\'fa sk\'fa\'9aku alebo odborn\'fa sk\'fa\'9a ku s certifik\'e1tom, a to pre jednotliv\'e9 sektory a jednotliv\'e9 stupne odbornej sp\'f4sobilosti. (9) Za spr\'e1vnos\'9d a \'faplnos\'9d \'fadajov v zozname vedenom pod\'bea odseku 8 prvej vety zodpoved\'e1 poskytovate\'be osobitn\'e9ho finan\'e8n\'e9 ho vzdel\'e1vania alebo finan\'e8n\'e1 in\'9atit\'facia, ktor\'e1 \'fa\'e8astn\'edkov osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania do zoznamu nahl\'e1sila. Za \'faplnos\'9d a spr\'e1vnos\'9d \'fadajov v zozname vedenom pod\'be a odseku 8 druhej vety zodpoved\'e1 N\'e1rodn\'e1 banka Slovenska alebo osoba poveren\'e1 pod\'bea odseku 2. (10) N\'e1rodn\'e1 banka Slovenska zverej\'f2uje na svojom webovom s\'eddle zo zoznamov veden\'fdch pod\'bea odseku 8 \'fa daje v rozsahu meno, priezvisko, adresa trval\'e9ho pobytu, adresa prechodn\'e9ho pobytu na \'fazem\'ed Slovenskej republiky, ak existuje.\'93. Od\'f4vodnenie: Transpoz\'edcia \'e8l. 10 ods. 1 a 2 Smernice Eur\'f3pskeho parlamentu a Rady (E\'da ) 2016/97 z 20. janu\'e1ra 2016 o distrib\'facii poistenia. T\'e1to pripomienka je z\'e1sadn\'e1. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14753345 \par \par \par \par \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow147\irowband147\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 vseobecn\'e9}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 5. Upozor\'f2ujeme, \'9ee poverenie N\'e1rodnej banky Slovenska vykon\'e1van\'edm doh\'beadu nad poskytovate\'bemi osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania bude vies\'9d k roz\'9a\'edreniu kompetenci\'ed N\'e1 rodnej banky Slovenska, nav\'fd\'9aeniu po\'e8tu systemizovan\'fdch miest a s\'favisiacemu nav\'fd\'9aeniu n\'e1kladov N\'e1rodnej banky Slovenska, z tohto d\'f4vodu odpor\'fa\'e8ame zahrnutie poskytovate\'beov osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1 vania medzi subjekty finan\'e8n\'e9ho trhu, ktor\'e9 s\'fa povinn\'e9 uhr\'e1dza\'9d ro\'e8n\'fd pr\'edspevok dohliadan\'fdch subjektov finan\'e8n\'e9ho trhu. Ustanovenie povinnosti uhr\'e1dza\'9d ro\'e8n\'fd pr\'edspevok za doh\'bead poskytovate\'be ov osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania bude potrebn\'e9 zoh\'beadni\'9d pri \'faprave legislat\'edvy, konkr\'e9tne pri novele: -\'a7 40 z\'e1kona \'e8.747/2004 Z.z. o doh\'beade nad finan\'e8n\'fdm trhom a o zmene a doplnen\'ed niektor\'fdch z \'e1konov v znen\'ed neskor\'9a\'edch predpisov, -z\'e1kona \'e8.186/2009 Z.z. o finan\'e8nom sprostredkovan\'ed a finan\'e8nom poradenstve a o zmene a doplnen\'ed niektor\'fdch z\'e1konov v znen\'ed neskor\'9a\'edch predpisov. 6. D\'f4razne, upozor\'f2 ujeme, \'9ee \'faprava uveden\'e1 v \'e8l. I bodoch 7, 11, 37 a 98 je toto\'9en\'e1 s u\'9e predlo\'9eenou \'fapravou v N\'e1rodnej rade SR v \'e8l. IV v novele z\'e1kona o cenn\'fdch papieroch (PT 499). Z\'e1rove\'f2 d\'f4razne upozor\'f2ujeme, \'9e e defin\'edcia investi\'e8n\'e9ho produktu zalo\'9een\'e9ho na poisten\'ed je u\'9e v novele v N\'e1rodnej rade SR v bode 5 v \'a7 33a a z\'e1rove\'f2 aj v tomto n\'e1vrhu v \'e8l. I bode 12 v \'a7 4 p\'edsm. s) av\'9aak s odli\'9an\'fdm obsahom. Tieto \'fapravy je potrebn\'e9 zos\'faladi\'9d. Rovnako je potrebn\'e9 \'fapravu u\'9e predlo\'9een\'fa v N\'e1rodnej rade SR zoh\'beadni\'9d v bodoch 103 (ozna\'e8enie prechodn\'e9ho ustanovenia) a 105 (\'e8\'edslovanie smern\'edc). \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid1771587 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid1771587 \par \par \par \par \par \par \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14708077 \'c8A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid1771587 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid1771587 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid1771587 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid1771587\charrsid1771587 Nako\'beko nejde o\~licencovan\'e9 subjekty, ale len }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid5928301 o }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid1771587\charrsid1771587 proces registr\'e1cie poskytovate\'beov osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid5928301 ,}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid1771587\charrsid1771587 predkladate\'be nepova\'9euje za potrebn\'e9 uhr\'e1dza\'9d ro\'e8n\'fd pr\'edspevok t\'fdmito subjektmi.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid1771587 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14708077 \par \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid14034523 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14708077 Pr\'e1vna \'faprava investi\'e8n\'e9ho produktu zalo\'9een\'e9 ho na poisten\'ed v\~novele z\'e1kona o\~cenn\'fdch papieroch }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14034523 bude}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14708077 vy\'f2at\'e1 z}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14034523 o}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14708077 \~}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14034523 z\'e1kona o\~cenn\'fdch papieroch.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14708077\charrsid1771587 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow148\irowband148\ltrrow \ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k \'e8l. I bod 3, }{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 5.K \'e8l. I bodu 3 V bode 3 v \'a7 1 ods. 2 p\'edsm. b) \'9eiadame vypusti\'9d slov\'e1 \'84viazan\'e9mu investi\'e8n\'e9mu agentovi\'93. Od\'f4vodnenie: Navrhovan\'e9 znenie je transpoz\'edciou po\'9eiadaviek na vykon\'e1 vanie finan\'e8n\'e9ho sprostredkovania finan\'e8n\'fdmi agentmi v sektore kapit\'e1lov\'e9ho trhu v s\'falade s ustanoven\'edm \'e8l. 3 a \'e8l. 29 smernice Eur\'f3pskeho Parlamentu a Rady 2014/65/E\'da z 15. m\'e1ja 2014 o trhoch s finan\'e8n\'fdmi n \'e1strojmi, ktorou sa men\'ed smernica 2002/92/ES a smernica 2011/61/E\'da (\'efalej len \'84smernica 2014/65/E\'da\'93) a po\'9eiadaviek na odborn\'fa sp\'f4sobilos\'9d pod\'bea \'e8l. 25 (1) smernice 2014/65/E\'da a Usmernenia o posudzovan\'ed znalost \'ed a odbornej sp\'f4sobilosti (ESMA 2015/1886) do slovensk\'e9ho pr\'e1vneho poriadku. T\'e1to pripomienka je zasadn\'e1. A z\'e1rove\'f2 navrhujeme uvies\'9d p\'edsmeno b) v \'faplnom znen\'ed a slov\'e1 \'84nepodnikne \'9eiadne \'efal\'9aie kroky\'93 nahradi\'9d normat\'edvnej\'9a\'edm vyjadren\'edm, plat\'ed aj pre \'efal\'9aie ustanovenia. Od\'f4vodnenie: Legislat\'edvna pripomienka. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9586099 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8926026 \par \par \par A \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9586099 \par \par \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow149\irowband149\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k \'e8l. I bodu 61}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 50.K \'e8l. I bodu 61 \'8eiadame upravi\'9d znenie \'a7 22a ods. 2 p\'edsm. a) nasledovne: \'84a) finan\'e8n\'e1 in\'9atit\'facia, a to pre svojich zamestnancov a pre finan\'e8n\'fdch agentov,\'93. Od\'f4vodnenie: Transpoz \'edcia smernice. Smernica IDD po\'9eaduje, aby obsahom vzdelania os\'f4b vykon\'e1vaj\'facich distrib\'faciu v oblasti poistenia boli minim\'e1lne po\'9eiadavky t\'fdkaj\'face sa odborn\'fdch znalost\'ed a schopnosti o podmienkach pon\'fakan\'fdch poistn \'fdch zml\'fav vr\'e1tane dodato\'e8n\'fdch riz\'edk, ak s\'fa predmetom t\'fdchto zml\'fav. T\'e1to pripomienka je z\'e1sadn\'e1. 51.K \'e8l. I bodu 61 \'a7 22a ods. 2 p\'edsm. a) z\'e1sadne \'9eiadame upravi\'9d v z\'e1kone, kto bude povinn\'fd vzdel \'e1va\'9d finan\'e8n\'fdch poradcov. Od\'f4vodnenie: N\'e1vrh novely z\'e1kona moment\'e1lne neupravuje t\'fato oblas\'9d a vytv\'e1ra nekonzistentnos\'9d medzi odbornou sp\'f4sobilos\'9dou medzi finan\'e8n\'fdm agentom a finan\'e8n\'fdm poradcom. T\'e1 to pripomienka je z\'e1sadn\'e1. 52.K \'e8l. I bodu 61 V bode 61 v \'a7 22a ods. 4 p\'edsm. a) je potrebn\'e9 skratku \'84I\'c8O\'93 nahradi\'9d slovami \'84identifika\'e8n\'e9 \'e8\'edslo\'93. Od\'f4vodnenie: Legislat\'edvna pripomienka. 53.K \'e8 l. I bodu 61 V \'a7 22a ods. 6 p\'edsm. b) n\'e1vrhu z\'e1kona navrhujeme pred slovo \'84\'e8lena\'93 doplni\'9d slovo \'84ka\'9ed\'e9ho\'93. Od\'f4vodnenie: V pr\'edpade, \'9ee m\'e1 \'9atatut\'e1rny org\'e1n pr\'e1vnickej osoby viac \'e8lenov, mal by by \'9d bez\'fahonn\'fd ka\'9ed\'fd \'e8len \'9atatut\'e1rneho org\'e1nu. T\'e1to pripomienka je z\'e1sadn\'e1. 54.K \'e8l. I bodu 61 V \'a7 22a ods. 6 \'9eiadame vypusti\'9d p\'edsmeno c) Od\'f4vodnenie: N\'e1vrh z\'e1kona pracuje s registr\'e1ciou poveren \'fdch os\'f4b pre poskytovanie osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania av\'9aak n\'e1le\'9eitosti registr\'e1cie presahuj\'fa defin\'edciu registr\'e1cie samotnej. V tomto pr\'edpade ide o akredit\'e1ciu, ke\'ef\'9ee okrem samotn\'e9 ho registrovania \'fadajov tu doch\'e1dza aj k akt\'edvnemu posudzovaniu sp\'f4sobilosti in\'9atit\'facie vykon\'e1va\'9d vzdel\'e1vanie, a to posudzovan\'edm primeran\'e9ho organiza\'e8n\'e9ho a technick\'e9ho vybavenia. Navy\'9ae z n\'e1 vrhu nie je zrejm\'e9, ak\'fdm sp\'f4sobom by N\'e1rodn\'e1 banka Slovenska presk\'famavala technick\'fa a organiza\'e8n\'fa pripravenos\'9d na poskytovanie osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania. Moment\'e1lne jedinou in\'9atit\'faciou v SR, ktor \'e1 presk\'famava technick\'fa a organiza\'e8n\'fa pripravenos\'9d vzdel\'e1vac\'edch in\'9atit\'faci\'ed je Akredita\'e8n\'e1 komisia M\'8a SR. T\'e1to posudzuje sp\'f4sobilos\'9d vzdel\'e1vacej in\'9atit\'facie uskuto\'e8ni\'9d vzdel\'e1vac\'ed program a na z\'e1klade splnenia podmienok odpor\'fa\'e8a ministerstvu vyda\'9d potvrdenie o akredit\'e1cii vzdel\'e1vacieho programu. Konkr\'e9tne sa pri akredit\'e1cii posudzuje aj doklady o materi\'e1lnom, technickom a priestorovom zabezpe\'e8en\'ed vzdel\'e1vacieho programu. Z uveden\'e9ho je jasne vidno, \'9ee ministerstvo m\'e1 moment\'e1lne tak mand\'e1t na akredit\'e1ciu mimo\'9akolsk\'fdch vzdel\'e1vac\'edch kurzov ako aj sk\'fasenosti s posudzovan\'edm materi\'e1lneho, person\'e1 lneho, ale najm\'e4 obsahov\'e9ho substr\'e1tu kurzov, resp. vzdel\'e1vac\'edch in\'9atit\'faci\'ed. Prenesen\'edm kompetencie akreditova\'9d vzdel\'e1vacie mimo\'9akolsk\'e9 in\'9atit\'facie pre osobitn\'e9 finan\'e8n\'e9 vzdel\'e1 vanie na NBS tak, ako to navrhuje novela z\'e1kona, by naru\'9ailo moment\'e1lnu homogenitu akredit\'e1cie v SR (jej nekoncep\'e8n\'fdm vybrat\'edm spod pr\'e1vomoc\'ed ministerstva \'9akolstva). Z\'e1rove\'f2 by do\'9alo k nehospod\'e1rnemu vyu\'9e\'ed vaniu zdrojov keby NBS mala nanovo budova\'9d akredita\'e8n\'e9 kapacity vo svojich \'9atrukt\'farach, ke\'ef\'9ee ministerstvo m\'e1 u\'9e person\'e1lne zabezpe\'e8enie a za\'9akolen\'fdch \'beud\'ed, tak ako aj intern\'e9 postupy na t\'fato \'e8innos \'9d. Z\'e1rove\'f2 nesmieme opomen\'fa\'9d fakt, \'9ee ministerstvo je u\'9e dnes vybaven\'e9 kompetenciou a m\'e1 sk\'fasenosti s posudzovan\'edm obsahu vzdel\'e1vania, \'e8o sa v doteraz komunikovan\'fdch verzi\'e1ch z\'e1kona nenach\'e1 dzalo. Teda existuje teoretick\'e1 mo\'9enos\'9d vydania akredit\'e1cie in\'9atit\'facii, ktor\'e1 spln\'ed materi\'e1lne a in\'e9 form\'e1lne n\'e1le\'9eitosti, av\'9aak nebude ma\'9d v\'f4bec pos\'faden\'fd a teda potenci\'e1lne m\'f4\'9ee predn\'e1\'9a a\'9d nedostato\'e8ne kvalitn\'fd obsah (napr. len formalistick\'fdm naplnen\'edm minim\'e1lneho rozsahu v zmysle opatrenia MF SR). Z uveden\'e9ho plynie zna\'e8n\'e9 reputa\'e8n\'e9 riziko pre NBS. T\'e1to pripomienka je z\'e1sadn\'e1. 55.K \'e8 l. I bodu 61 V \'a7 22a ods. 7 \'9eiadame vypusti\'9d p\'edsmeno e). Od\'f4vodnenie: N\'e1vrh z\'e1kona pracuje s registr\'e1ciou poveren\'fdch os\'f4b pre poskytovanie osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania av\'9aak n\'e1le\'9eitosti registr\'e1 cie presahuj\'fa defin\'edciu registr\'e1cie samotnej. V tomto pr\'edpade ide o akredit\'e1ciu, ke\'ef\'9ee okrem samotn\'e9ho registrovania \'fadajov tu doch\'e1dza aj k akt\'edvnemu posudzovaniu sp\'f4sobilosti in\'9atit\'facie vykon\'e1va\'9d vzdel\'e1 vanie, a to posudzovan\'edm primeran\'e9ho organiza\'e8n\'e9ho a technick\'e9ho vybavenia. Navy\'9ae z n\'e1vrhu nie je zrejm\'e9, ak\'fdm sp\'f4sobom by N\'e1rodn\'e1 banka Slovenska presk\'famavala technick\'fa a organiza\'e8n\'fa pripravenos\'9d na poskytovanie osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania. Moment\'e1lne jedinou in\'9atit\'faciou v SR, ktor\'e1 presk\'famava technick\'fa a organiza\'e8n\'fa pripravenos\'9d vzdel\'e1vac\'edch in\'9atit\'faci\'ed je Akredita\'e8n\'e1 komisia M\'8a SR. T\'e1to posudzuje sp\'f4sobilos\'9d vzdel\'e1vacej in\'9atit\'facie uskuto\'e8ni\'9d vzdel\'e1vac\'ed program a na z\'e1klade splnenia podmienok odpor\'fa\'e8a ministerstvu vyda\'9d potvrdenie o akredit\'e1cii vzdel\'e1vacieho programu. Konkr\'e9 tne sa pri akredit\'e1cii posudzuje aj doklady o materi\'e1lnom, technickom a priestorovom zabezpe\'e8en\'ed vzdel\'e1vacieho programu. Z uveden\'e9ho je jasne vidno, \'9ee ministerstvo m\'e1 moment\'e1lne tak mand\'e1t na akredit\'e1ciu mimo\'9akolsk\'fd ch vzdel\'e1vac\'edch kurzov ako aj sk\'fasenosti s posudzovan\'edm materi\'e1lneho, person\'e1lneho, ale najm\'e4 obsahov\'e9ho substr\'e1tu kurzov, resp. vzdel\'e1vac\'edch in\'9atit\'faci\'ed. Prenesen\'edm kompetencie akreditova\'9d vzdel\'e1 vacie mimo\'9akolsk\'e9 in\'9atit\'facie pre osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie na NBS tak, ako to navrhuje novela z\'e1kona, by naru\'9ailo moment\'e1lnu homogenitu akredit\'e1cie v SR (jej nekoncep\'e8n\'fdm vybrat\'edm spod pr\'e1vomoc\'ed ministerstva \'9akolstva). Z\'e1rove\'f2 by do\'9alo k nehospod\'e1rnemu vyu\'9e\'edvaniu zdrojov keby NBS mala nanovo budova\'9d akredita\'e8n\'e9 kapacity vo svojich \'9atrukt\'farach, ke\'ef\'9ee ministerstvo m\'e1 u\'9e person\'e1lne zabezpe\'e8 enie a za\'9akolen\'fdch \'beud\'ed, tak ako aj intern\'e9 postupy na t\'fato \'e8innos\'9d. Z\'e1rove\'f2 nesmieme opomen\'fa\'9d fakt, \'9ee ministerstvo je u\'9e dnes vybaven\'e9 kompetenciou a m\'e1 sk\'fasenosti s posudzovan\'edm obsahu vzdel\'e1 vania, \'e8o sa v doteraz komunikovan\'fdch verzi\'e1ch z\'e1kona nenach\'e1dzalo. Teda existuje teoretick\'e1 mo\'9enos\'9d vydania akredit\'e1cie in\'9atit\'facii, ktor\'e1 spln\'ed materi\'e1lne a in\'e9 form\'e1lne n\'e1le\'9eitosti, av\'9a ak nebude ma\'9d v\'f4bec pos\'faden\'fd a teda potenci\'e1lne m\'f4\'9ee predn\'e1\'9aa\'9d nedostato\'e8ne kvalitn\'fd obsah (napr. len formalistick\'fdm naplnen\'edm minim\'e1lneho rozsahu v zmysle opatrenia MF SR). Z uveden\'e9ho plynie zna\'e8n\'e9 reputa\'e8n\'e9 riziko pre NBS. T\'e1to pripomienka je z\'e1sadn\'e1. 56.K \'e8l. I bodu 61 V bode 61 v \'a7 22a ods. 7 p\'edsm. g) navrhujeme spresni\'9d pojem \'84poplatok\'93, plat\'ed aj pre \'efal\'9aie ustanovenia. Od\'f4vodnenie: Legislat\'ed vna pripomienka. 57.K \'e8l. I bodu 61 V \'a7 22a ods. 14 \'9eiadame p\'edsmeno d) upravi\'9d takto: \'84d) ak sa N\'e1rodn\'e1 banka Slovenska dozvie skuto\'e8nos\'9d, \'9ee poskytovate\'be nesp\'e5\'f2a podmienky pod\'bea odseku 13,\'93. Od\'f4 vodnenie: Konzistencia so z\'e1konom o doh\'beade nad finan\'e8n\'fdm trhom. T\'e1to pripomienka je z\'e1sadn\'e1. 58.K \'e8l. I bodu 61 V \'a7 22a ods. 15 v prvej vete slov\'e1 \'84o d\'f4vodoch zru\'9aenia z\'e1pisu pod\'bea odseku 13\'93 \'9e iadame nahradi\'9d slovami \'84o d\'f4vodoch zru\'9aenia z\'e1pisu pod\'bea odseku 14\'93. Od\'f4vodnenie: Legislat\'edvna pripomienka. T\'e1to pripomienka je z\'e1sadn\'e1. 59.K \'e8l. I bodu 61 V \'e8l. I bode 61 v \'a7 22a ods. 15 je potrebn\'e9 pred text \'84a)\'93 doplni\'9d slovo \'84p\'edsm.\'93. Od\'f4vodnenie: Legislat\'edvna pripomienka. 60. Znenie \'a7 23 ods. 1 p\'edsmeno b) \'9eiadame upravi\'9d takto: \'84b) nep\'f4sobila 1. v posledn\'fdch desiatich rokoch vo funkcii \'e8 lena predstavenstva, \'e8lena dozorn\'e9ho org\'e1nu, prokuristu, zamestnanca v priamej riadiacej p\'f4sobnosti predstavenstva a zamestnanca zodpovedn\'e9ho za vykon\'e1vanie vn\'fatornej kontroly, nebola \'9atatut\'e1rnym org\'e1nom ani \'e8lenom \'9a tatut\'e1rneho org\'e1nu vo finan\'e8nej in\'9atit\'facii, ktorej bolo odobrat\'e9 povolenie na vykon\'e1vanie jej \'e8innosti alebo obdobn\'e9 povolenie vydan\'e9 pr\'edslu\'9an\'fdm org\'e1nom \'9at\'e1tu, v ktorom m\'e1 s\'eddlo, alebo 2. v posledn\'fd ch desiatich rokoch vo funkcii \'e8lena predstavenstva, \'e8lena dozorn\'e9ho org\'e1nu, prokuristu, zamestnanca v priamej riadiacej p\'f4sobnosti predstavenstva a odborn\'e9ho garanta v pr\'e1vnickej osobe, ktorej bolo odobrat\'e9 povolenie na vykon\'e1 vanie finan\'e8n\'e9ho sprostredkovania, alebo v pr\'e1vnickej osobe, ktorej bolo odobrat\'e9 povolenie na vykon\'e1vanie finan\'e8n\'e9ho poradenstva, alebo 3. v posledn\'fdch desiatich rokoch ako finan\'e8n\'fd agent alebo finan\'e8n\'fd poradca, ktor \'fd bol fyzickou osobou a ktor\'e9mu bolo odobrat\'e9 povolenie na vykon\'e1vanie finan\'e8n\'e9ho sprostredkovania alebo ktor\'e9mu bolo odobrat\'e9 povolenie na vykon\'e1vanie finan\'e8n\'e9ho poradenstva alebo bol zru\'9aen\'fd z\'e1pis v registri z d \'f4vodov uveden\'fdch v \'a7 16 ods. 2 p\'edsm. f), a to kedyko\'bevek v obdob\'ed jedn\'e9ho roka pred odobrat\'edm povolenia na vykon\'e1vanie finan\'e8n\'e9ho sprostredkovania alebo povolenia na vykon\'e1vanie finan\'e8n\'e9 ho poradenstva alebo pred zru\'9aen\'edm z\'e1pisu v registri, alebo 4. v posledn\'fdch desiatich rokoch ako odborn\'fd garant finan\'e8n\'e9ho agenta alebo finan\'e8n\'e9ho poradcu, ktor\'fd bol fyzickou osobou a ktor\'e9mu bolo odobrat\'e9 povolenie na vykon\'e1vanie finan\'e8n\'e9ho sprostredkovania alebo ktor\'e9mu bolo odobrat\'e9 povolenie na vykon\'e1vanie finan\'e8n\'e9ho poradenstva alebo bol zru\'9aen\'fd z\'e1pis v registri z d\'f4vodov uveden\'fdch v \'a7 16 ods. 2 p\'ed sm. f), a to kedyko\'bevek v obdob\'ed jedn\'e9ho roka pred odobrat\'edm povolenia na vykon\'e1vanie finan\'e8n\'e9ho sprostredkovania alebo povolenia na vykon\'e1vanie finan\'e8n\'e9ho poradenstva alebo pred zru\'9aen\'edm z\'e1pisu v registri,\'93. Od \'f4vodnenie: Transpoz\'edcia \'e8l. 19 ods. 1 Smernice Eur\'f3pskeho parlamentu a Rady (E\'da) 2016/97 z 20. janu\'e1ra 2016 o distrib\'facii poistenia. T\'e1to pripomienka je z\'e1sadn\'e1. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3096615 A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15035826 \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow150\irowband150\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k \'e8l. I bod 5,6}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 6.K \'e8l. I bodu 5 V bode 5 v \'a7 1 ods. 3 p\'edsm. b) upozor\'f2ujeme na pou\'9e\'edvanie nejednozna\'e8n\'fdch a nedefinovan\'fdch pojmov, a to \'84doplnok\'93 (aj \'a7 11c ods. 1), \'84tovar\'93 a \'84poskytovate\'be \'93 a pojem \'84odchylne od bodu 2\'93 navrhujeme nahradi\'9d normat\'edvnej\'9a\'edm a zrozumite\'benej\'9a\'edm vyjadren\'edm. Od\'f4vodnenie: Legislat\'edvna pripomienka. 7.K \'e8l. I bodu 6 V bode 6 v \'a7 2 ods. 1 p\'edsm. e) upozor\'f2ujeme, \'9e e toto ustanovenie je vecne nejednozna\'e8n\'e9 a nezrozumite\'ben\'e9, o ak\'e9 krit\'e9ri\'e1 ide ?, koho webov\'e9ho s\'eddla ?, ak\'fdch m\'e9di\'ed ?, \'e8o to je cena zmluvy ?, na konci ak\'e9ho procesu ? Od\'f4vodnenie: Legislat\'ed vna pripomienka. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15735124 \par \par N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid15735124 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15735124 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid15735124\charrsid15735124 Pou\'9e\'edvanie pre}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid15735124 d}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid15735124\charrsid15735124 metn\'fdch pojmov je v\~s\'falade so smernicou IDD.\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow151\irowband151\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k \'e8l. I bodu 62, \'a7 23}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 61. K \'e8l. I bodu 62 V \'a7 23 ods. 2 p\'edsm. a) za slovami \'84samostatn\'fd finan\'e8n\'fd agent\'93 \'9eiadame odstr\'e1ni\'9d \'e8iarku a slov\'e1 \'84ktor\'fd je fyzickou osobou\'93. Od\'f4vodnenie: Z\'e1kon \'e8 . 91/2016 Z. z. o trestnej zodpovednosti pr\'e1vnick\'fdch os\'f4b a o zmene a doplnen\'ed niektor\'fdch z\'e1konov v znen\'ed neskor\'9a\'edch predpisov s \'fa\'e8innos\'9dou od 1.7.2016 zaviedol trestn\'fa zodpovednos\'9d aj u pr\'e1vnick\'fdch os\'f4 b. T\'e1to pripomienka je z\'e1sadn\'e1. Z\'e1rove\'f2 v bode 62 v \'a7 23 ods. 2 navrhujeme upravi\'9d, ako defin\'edciu d\'f4veryhodnej osoby a podmienku doby jej sp\'e5\'f2ania navrhujeme uvies\'9d v \'efal\'9aom texte a v \'a7 23 ods. 2 p\'ed sm. b) je potrebn\'e9 vypusti\'9d duplicitn\'e9 \'e8iarky a slov\'e1 \'84odborn\'fd garant\'93 doplni\'9d pri v\'9aetk\'fdch pr\'edslu\'9an\'fdch osob\'e1ch. Od\'f4vodnenie: Legislat\'edvna pripomienka. 62.V \'a7 23 ods. 1 p\'edsm. d) \'9eiadame doplni \'9d a zoh\'beadni\'9d skuto\'e8nos\'9d, \'9ee s \'fa\'e8innos\'9dou od 1.3.2017 bol z\'e1konom \'e8. 377/2016 Z. z. novelizovan\'fd z\'e1kon \'e8. 7/2005 Z. z. o konkurze a re\'9atrukturaliz\'e1cii. Od\'f4vodnenie: V zmysle novely z\'e1kona \'e8 . 7/2005 Z. z. o konkurze a re\'9atrukturaliz\'e1cii bola zaveden\'e1 pr\'e1vna \'faprava \'84osobn\'e9ho bankrotu\'93. Vzh\'beadom na uveden\'e9 navrhujeme zv\'e1\'9ei\'9d a doplni\'9d t\'fato skuto\'e8nos\'9d v s\'favislosti s fyzick\'fd mi osobami podnikate\'bemi. T\'e1to pripomienka je z\'e1sadn\'e1. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z \cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid11142322 A \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid3096615 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid3096615\charrsid3096615 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow152\irowband152\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k \'e8l. I bod 65, 66, \'a7 25}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 63.K \'e8l. I bodu 65 Noveliza\'e8n\'fd bod 65. \'9eiadame upravi\'9d nasledovne: \'8465.V \'a7 25 ods. 1 sa vyp\'fa\'9a\'9da posledn\'e1 veta.\'93. Od\'f4vodnenie: Uveden\'fa \'e8as\'9d ustanovenia navrhujeme upravi\'9d v novom odseku 6 \'a7 25. T\'e1to pripomienka je z\'e1sadn\'e1. 64. K \'e8l. I bodu 66 Noveliza\'e8n\'fd bod 66. \'8eiadame vypusti\'9d z d\'f4vodu duplicitnej pr\'e1vnej \'fapravy v oblasti finan\'e8n\'e9ho trhu. Od\'f4vodnenie: Uveden\'e1 \'e8as\'9d ustanovenia sa navrhuje v novom \'a7 25, zakotvi\'9d v osobitnom odseku. T\'e1to pripomienka je z\'e1sadn\'e1. 65.V \'a7 25 ods. 4 na konci \'9eiadame doplni\'9d vetu: \'84Pois\'9dov\'f2a, zais\'9dov\'f2a, pobo\'e8ka zahrani\'e8nej pois\'9dovne a pobo \'e8ka zahrani\'e8nej zais\'9dovne s\'fa v\'9edy povinn\'e9 zahrn\'fa\'9d do svojej organiza\'e8nej \'9atrukt\'fary odborn\'e9ho garanta.\'93 Od\'f4vodnenie: Transpoz\'edcia \'e8l. 10 ods. 8 druh\'e1 veta Smernice Eur\'f3pskeho parlamentu a Rady (E\'da ) 2016/97 z 20. janu\'e1ra 2016 o distrib\'facii poistenia. T\'e1to pripomienka je z\'e1sadn\'e1. 66.V \'a7 25 \'9eiadame vlo\'9ei\'9d nov\'fd odsek 6, ktor\'fd znie: \'84(6) Odborn\'fd garant je opr\'e1vnen\'fd vykon\'e1va\'9d svoju \'e8innos\'9d len pre jedn\'e9ho finan\'e8n\'e9ho agenta alebo finan\'e8n\'e9ho poradcu.\'93. Od\'f4vodnenie: Uveden\'fdm sa spr\'eds\'f2uje podmienka vykon\'e1vania funkcie odborn\'e9ho garanta, kde sa ur\'e8uje, \'9ee odborn\'fd garant m\'f4\'9ee vykon\'e1va\'9d \'e8innos\'9d len pre jeden subjekt. Uveden\'e9 zamedzuje vzniku konfliktu z\'e1ujmov medzi r\'f4znymi subjektmi, v ktor\'fdch odborn\'fd garant mohol doteraz s\'fabe\'9ene p\'f4sobi\'9d. T\'e1to pripomienka je z\'e1sadn\'e1. 67.V \'a7 25 ods. 7 p\'ed sm. a) za slov\'e1 \'84v odseku 6\'93 \'9eiadame vlo\'9ei\'9d slov\'e1 \'84p\'edsm. a) a b)\'93. Od\'f4vodnenie: Legislat\'edvna pripomienka. T\'e1to pripomienka je z\'e1sadn\'e1. 68.V \'a7 25 ods. 8 p\'edsm. a) za slov\'e1 \'84v odseku 6\'93 \'9e iadame vlo\'9ei\'9d slov\'e1 \'84p\'edsm. a) a b)\'93. Od\'f4vodnenie: P\'edsmeno c) sa vz\'9dahuje na finan\'e8n\'fdch agentov, finan\'e8n\'fdch poradcov a finan\'e8n\'e9 in\'9atit\'facie. T\'e1to pripomienka je z\'e1sadn\'e1. 69.V \'a7 25 ods. 9 na konci \'9eiadame pripoji\'9d vetu: \'84\'c8len \'9atatut\'e1rneho org\'e1nu finan\'e8n\'e9ho agenta alebo finan\'e8n\'e9ho poradcu pod\'bea \'a7 24 ods. 2 je opr\'e1vnen\'fd vykon\'e1va\'9d \'e8innos\'9d odborn\'e9ho garanta.\'93. Od\'f4 vodnenie: Z d\'f4vodu aplika\'e8nej praxe navrhujeme vyprecizova\'9d s\'fabeh funkcie \'e8lena \'9atatut\'e1rneho org\'e1nu a odborn\'e9ho garanta. T\'e1to pripomienka je z\'e1sadn\'e1. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid2712597 \par \par \'c8A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid11142322 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid2712597\charrsid2712597 Navrhovate\'be pripomienky ust\'fa pil na rozporovom konan\'ed d\'f2a 25.7.2017 od \'fapravy v\~bodoch 63}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid11142322 ,}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid2712597\charrsid2712597 \~}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid11142322 64 a\~66 a\'9e 68}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid2712597\charrsid2712597 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow153\irowband153\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 v\'9aeobecn\'e9}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 7. N\'e1vrh z\'e1kona je potrebn\'e9 upravi\'9d tak, aby v\'9aetky jeho ustanovenia mali jednozna\'e8n\'fd a normat\'edvny charakter, najm\'e4 ustanovenia t\'fdkaj\'face sa zakladania kompetenci\'ed N\'e1 rodnej banke Slovenska, napr\'edklad - v \'a7 11 ods. 4 je uveden\'e9, \'9ee N\'e1rodn\'e1 banka Slovenska nesie zodpovednos\'9d za dodr\'9eiavanie ustanoven\'ed \'a7 32 a\'9e 34 a \'a737b a\'9e 37d a opatren\'ed prijat\'fdmi na ich z\'e1klade pobo\'e8 kou finan\'e8n\'e9ho sprostredkovate\'bea z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu v sektore poistenia alebo zaistenia (? nemalo by tam by\'9d sk\'f4r upraven\'e9, \'9ee N\'e1rodn\'e1 banka Slovenska vykon\'e1va doh\'bead nad dodr\'9eiavan\'edm ustanoven \'ed, ako aj nad prijat\'fdmi opatreniami), - v \'a7 11 ods. 7 je uveden\'e9, \'9ee ak je to nevyhnutn\'e9, m\'f4\'9ee N\'e1rodn\'e1 banka Slovenska zabr\'e1ni\'9d finan\'e8n\'e9mu sprostredkovate\'beovi z in\'e9ho \'e8lensk\'e9ho \'9at\'e1 tu v sektore poistenia alebo zaistenia vykon\'e1va\'9d \'e8innos\'9d na \'fazem\'ed Slovenskej republiky (ako ?, \'e8o to znamen\'e1 zabr\'e1ni\'9d?), primerane plat\'ed aj pre \'a7 11a ods. 3 a 5,\'a7 11d ods. 8 a 9, - v \'a7 11 ods. 9 je uveden\'e9, \'9ee N\'e1rodn\'e1 banka Slovenska m\'f4\'9ee prija\'9d primeran\'e9 a nediskrimina\'e8n\'e9 opatrenie na prevenciu (to s\'fa ak\'e9 ?) alebo udeli\'9d sankciu za poru\'9aenie v\'9aeobecne z\'e1v\'e4zn\'fdch predpisov, ak je nevyhnutne potrebn\'e9 okam \'9eite zasiahnu\'9d v z\'e1ujme ochrany pr\'e1v finan\'e8n\'fdch spotrebite\'beov a ak s\'fa podobn\'e9 opatrenia v domovskom \'e8lenskom \'9at\'e1te neprimeran\'e9 alebo nedostato\'e8n\'e9, primerane plat\'ed aj pre \'a7 11a ods. 7, - v \'a7 11a ods. 7 je uveden\'e9 , \'9ee prijme N\'e1rodn\'e1 banka Slovenska bez zbyto\'e8n\'e9ho odkladu po tom, ke\'ef sa o tejto skuto\'e8nosti dozvie, opatrenia na zamedzenie vykon\'e1vania finan\'e8n\'e9ho sprostredkovania alebo finan\'e8n\'e9 ho poradenstva finan\'e8n\'e9mu sprostredkovate\'beovi z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu v sektore poistenia alebo zaistenia (to s\'fa ak\'e9 ?). -v \'a7 11b ods. 1 je uveden\'e9, \'9ee N\'e1rodn\'e1 banka Slovenska m\'f4\'9ee uzavrie\'9d dohodu s pr \'edslu\'9an\'fdm org\'e1nom doh\'beadu domovsk\'e9ho \'e8lensk\'e9ho \'9at\'e1tu o tom, \'9ee prevezme jeho kompetencie uveden\'e9 v \'a7 21 a\'9e 39 (ako prevezme ?, bude vykon\'e1va\'9d ? navy\'9ae kompetencie zahrani\'e8n\'e9ho org\'e1nu nem\'f4\'9e u by\'9d upraven\'e9 v na\'9aom pr\'e1vnom predpise!), ak sa hlavn\'e9 miesto v\'fdkonu \'e8innosti finan\'e8n\'e9ho sprostredkovate\'bea z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu v sektore poistenia alebo zaistenia nach\'e1dza v Slovenskej republike, z\'e1 rove\'f2 aj ustanovenie odseku 2 je potrebn\'e9 cel\'e9 normat\'edvne preformulova\'9d, -a pod. T\'e1to pripomienka je z\'e1sadn\'e1. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 { \rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4485949 A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow154\irowband154\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k \'e8l. I bodu 67}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 70.K \'e8l. I bodu 67 V bode 67 v \'a7 27 ods. 1 druhej vete navrhujeme z gramatick\'fdch d\'f4vodov slovo \'84musia\'93 nahradi\'9d slovom \'84mus\'ed\'93 a pojem \'84informovan\'e9 rozhodnutie\'93 nahradi\'9d normat\'ed vnej\'9a\'edm vyjadren\'edm. Od\'f4vodnenie: Legislat\'edvna pripomienka. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6437792 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6437792 \par A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow155\irowband155\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k \'e8l. I bodu 72, \'a7 29, bodu 76, 77, 78, 79, }{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 71.K \'e8l. I bodu 72 \'8eiadame zos\'faladi\'9d s \'e8l. 10 ods. 6 IDD. Od\'f4vodnenie: Transpoz\'edcia Smernice Eur\'f3pskeho parlamentu a Rady (E\'da) 2016/97 z 20. janu\'e1ra 2016 o distrib\'fa cii poistenia. T\'e1to pripomienka je z\'e1sadn\'e1. 72.V \'a7 29 \'9eiadame vypusti\'9d odsek 6. Od\'f4vodnenie: Uveden\'e9 ustanovenie nie je potrebn\'e9 v nadv\'e4znosti na N\'e1rodnou bankou Slovenska navrhovan\'e9 nov\'e9 splnomoc\'f2 ovacie ustanovenie v \'a7 36 ods. 9. T\'e1to pripomienka je z\'e1sadn\'e1. 73.K \'e8l. I bodu 76 \'8eiadame vypusti\'9d noveliza\'e8n\'fd bod 76 a z\'e1rove\'f2 \'9eiadame nov\'e9 znenie \'a7 30 ods. 2 nasledovne: \'84(2) Finan\'e8n\'fd agent a finan\'e8n \'fd poradca musia by\'9d poisten\'ed pre pr\'edpad zodpovednosti za \'9akodu sp\'f4soben\'fa pri vykon\'e1van\'ed finan\'e8n\'e9ho sprostredkovania alebo finan\'e8n\'e9ho poradenstva a toto poistenie mus\'ed trva\'9d po\'e8as celej doby z\'e1 pisu v registri pod\'bea \'a7 14. Toto poistenie mus\'ed kry\'9d \'9akody vzniknut\'e9 z d\'f4vodu v\'fdkonu finan\'e8n\'e9ho sprostredkovania aj po skon\'e8en\'ed platnosti poistnej zmluvy. Ak v odseku 3 nie je ustanoven\'e9 inak, v\'fd\'9aka poistn\'e9 ho krytie mus\'ed by\'9d najmenej 100 000 eur na ka\'9ed\'fa poistn\'fa udalos\'9d a najmenej 150 000 eur \'fahrnom pre v\'9aetky poistn\'e9 udalosti vzniknut\'e9 v jednom kalend\'e1rnom roku. Ak sa v poistnej zmluve dohodla spolu\'fa\'e8as\'9d, jej v\'fd \'9aka m\'f4\'9ee by\'9d najviac 1 % z v\'fd\'9aky poistn\'e9ho plnenia.\'93. Od\'f4vodnenie: Transpoz\'edcia \'e8l. 10 ods. 4 Smernice Eur\'f3pskeho parlamentu a Rady (E\'da) 2016/97 z 20. janu\'e1ra 2016 o distrib\'facii poistenia. T\'e1 to pripomienka je z\'e1sadn\'e1. 74.K \'e8l. I bodu 77 \'8eiadame vypusti\'9d noveliza\'e8n\'fd bod 77 a znenie \'a7 30 ods. 3 upravi\'9d nasledovne: \'84(3) Ak ide o finan\'e8n\'e9ho agenta alebo finan\'e8n\'e9ho poradcu, ktor\'fd je opr\'e1vnen\'fd vykon\'e1va\'9d finan\'e8n\'e9 sprostredkovanie alebo finan\'e8n\'e9 poradenstvo v sektore kapit\'e1lov\'e9ho trhu alebo v sektore poistenia alebo zaistenia, poistn\'e1 zmluva pod\'bea odseku 2 mus\'ed ma\'9d platnos\'9d aj na \'fazem\'ed in\'fdch \'e8 lensk\'fdch \'9at\'e1tov a v\'fd\'9aka poistn\'e9ho krytia v poistnej zmluve pod\'bea odseku 2 mus\'ed by\'9d najmenej 1 250 000 eur na ka\'9ed\'fa poistn\'fa udalos\'9d a najmenej 1 850 000 eur \'fahrnom pre v\'9aetky poistn\'e9 udalosti vzniknut\'e9 v jednom kalend\'e1rnom roku.\'93. Od\'f4vodnenie: Transpoz\'edcia \'e8l. 10 ods. 4 Smernice Eur\'f3pskeho parlamentu a Rady (E\'da) 2016/97 z 20. janu\'e1ra 2016 o distrib\'facii poistenia. T\'e1to pripomienka je z\'e1sadn\'e1. 75.K \'e8 l. I bodom 78 a 79 \'8eiadame vypusti\'9d noveliza\'e8n\'e9 body 78 a 79 a upravi\'9d \'a7 30 ods. 4 a\'9e 6 nasledovne: \'84(4) K\'f3piu poistnej zmluvy pod\'bea odseku 2 spolu s dokladom o uhraden\'ed poistn\'e9ho je samostatn\'fd finan\'e8n\'fd agent a finan\'e8n\'fd poradca povinn\'fd predlo\'9ei\'9d N\'e1rodnej banke Slovenska do 15 dn\'ed odo d\'f2a nadobudnutia pr\'e1voplatnosti rozhodnutia o udelen\'ed povolenia v pr\'edslu\'9anom sektore pod\'bea \'a7 18. (5) Ak viazan\'fd finan\'e8n\'fd agent, podriaden\'fd finan\'e8n\'fd agent a sprostredkovate\'be doplnkov\'e9ho poistenia nesp\'e5\'f2a povinnos\'9d pod\'bea odseku 2, za \'9akodu n\'edm sp\'f4soben\'fa pri vykon\'e1van\'ed finan\'e8n\'e9ho sprostredkovania zodpoved\'e1 navrhovate\'be . (6) K\'f3piu poistnej zmluvy spolu s dokladom o uhraden\'ed poistn\'e9ho pod\'bea odseku 2 je viazan\'fd finan\'e8n\'fd agent a podriaden\'fd finan\'e8n\'fd agent povinn\'fd predlo\'9ei\'9d navrhovate\'beovi do 15 dn\'ed odo d\'f2a z\'e1 pisu do registra.\'93. Od\'f4vodnenie: Z aplika\'e8nej praxe vyplynula potreba uveden\'fdch zmien a to aj pre \'fa\'e8ely efekt\'edvnej\'9aieho v\'fdkonu doh\'beadu. T\'e1to pripomienka je z\'e1sadn\'e1. \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15401687 \par \par \par \'c8A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid15401687 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid15401687\charrsid2712597 Navrhovate\'be pripomienky ust\'fa pil na rozporovom konan\'ed d\'f2a 25.7.2017 od \'fapravy v\~bod}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid15401687 e}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid15401687\charrsid2712597 }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid15401687 71,}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid15401687\charrsid2712597 \~}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15401687 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow156\irowband156\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k \'e8l. I bodu 80, 81}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 76.K \'e8l. I bodu 80 \'8eiadame upravi\'9d noveliza\'e8n\'fd bod 80 nasledovne: \'8480.V \'a7 30 sa vyp\'fa\'9a\'9daj\'fa odseky 7 a 8. \'93. Od\'f4vodnenie: Vypustenie odsekov 7 a 8 sa navrhuje z d\'f4vodu novej \'fapravy \'a7 30 ods. 4 a\'9e 6 v bode 75 n\'e1\'9aho stanoviska. T\'e1to pripomienka je z\'e1sadn\'e1. 77.K \'e8l. I bodu 81 \'8eiadame upravi\'9d \'a7 32 ods. 2 tak, aby bol v s\'falade s transponovan\'fdm znen\'edm \'e8l. 19 odsek 1 IDD. Od\'f4vodnenie: Odstr \'e1nenie transpozi\'e8n\'e9ho deficitu. Implement\'e1cia Smernice Eur\'f3pskeho parlamentu a Rady (E\'da) 2016/97 z 20. janu\'e1ra 2016 o distrib\'facii poistenia. T\'e1to pripomienka je z\'e1sadn\'e1. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid83932 \par \par N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid83932 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid83932 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid83932\charrsid2712597 Navrhovate\'be pripomienky ust\'fapil na rozporovom konan\'ed d\'f2a 25.7.2017}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid83932 od navrhovanej pripomienky uvedenej v\~bode }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid10507474 76}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid83932 . \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid83932 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow157\irowband157\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k \'e8l. I bodu 83, 87}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 78.K \'e8l. I bodu 83 V bode 83 navrhujeme za slov\'e1 \'84ods. 4\'93 doplni\'9d slov\'e1 \'84p\'edsm. c)\'93. Od\'f4vodnenie: Legislat\'edvna pripomienka. 79.K \'e8l. I bodu 87 V bode 87 je potrebn\'e9 za slovom \'84 bezplatne\'93 doplni\'9d bodku. Od\'f4vodnenie: Legislat\'edvna pripomienka. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid83932 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4485949 A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid83932 \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow158\irowband158\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'a7 2 ods. 2}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 8. \'a7 2 ods. 2 p\'edsmeno a) \'9eiadame upravi\'9d takto: \'84a) poskytovanie investi\'e8nej slu\'9eby 5) prij\'edmanie a postupovanie pokynov klienta t\'fdkaj\'facich sa prevodite\'ben\'fdch cenn\'fdch papierov a cenn\'fd ch papierov a majetkov\'fdch \'fa\'e8ast\'ed vo fondoch kolekt\'edvneho investovania a ich propag\'e1cia,\'93. Od\'f4vodnenie: Navrhovan\'e9 znenie je transpoz\'edciou po\'9eiadaviek na vykon\'e1vanie finan\'e8n\'e9ho sprostredkovania finan\'e8n\'fd mi agentmi v sektore kapit\'e1lov\'e9ho trhu T\'e1to pripomienka je zasadn\'e1. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4941108 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4941108 \par \par A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow159\irowband159\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 v\'9aeobecn\'e9}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 8. V celom \'e8l. I n\'e1zov \'84Eur\'f3psky org\'e1n pre pois\'9dovn\'edctvo a d\'f4chodkov\'e9 poistenie zamestnancov\'93 navrhujeme nahradi\'9d \'fapln\'fdm a spr\'e1vnym n\'e1zvom \'84Eur\'f3psky org\'e1n doh\'beadu (Eur \'f3psky org\'e1nu pre pois\'9dovn\'edctvo a d\'f4chodkov\'e9 poistenie zamestnancov)\'93. 9. V \'e8l. I upozor\'f2ujeme, \'9ee sa viackr\'e1t opakuje toto\'9en\'e1 veta: \'84N\'e1rodn\'e1 banka Slovenska m\'f4\'9ee po\'9eiada\'9d Eur\'f3psky org\'e1 nu pre pois\'9dovn\'edctvo a d\'f4chodkov\'e9 poistenie zamestnancov o pomoc v s\'falade s osobitn\'fdm predpisom.22b)\'93. T\'fato vetu odpor\'fa\'e8ame spresni\'9d na pr\'edslu\'9an\'e9 \'9apecifick\'e9 situ\'e1cie alebo uvies\'9d len raz (\'a7 11 ods. 8, \'a7 11a ods. 4, \'a7 11b ods. 2 posledn\'e1 veta, \'a7 20 ods. 7 posledn\'e1 veta, \'a7 20a ods. 8 posledn\'e1 veta). \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 { \rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid1058272 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid1058272 \par \par \par A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow160\irowband160\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k \'e8l. I bodu 90, \'a7 36}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 80.K \'e8l. I bodu 90 Navrhujeme doplni\'9d vetu do navrhovan\'e9ho ustanovenia \'a7 33 ods. 11. Znenie ustanovenia \'a7 33 ods. 11 bude po doplnen\'ed znie\'9d nasledovne: \'84(11) Na po\'9eiadanie finan\'e8n\'e9 ho agenta alebo finan\'e8n\'e9ho poradcu je klient povinn\'fd p\'edsomne alebo na inom trvanlivom m\'e9diu potvrdi\'9d mu prevzatie inform\'e1ci\'ed uveden\'fdch v odsekoch 1 a\'9e 6. Potvrdenie klienta o prevzat\'ed inform\'e1ci\'ed pod\'be a prvej vety mus\'ed by\'9d v osobitnom dokumente, ktor\'fd, okrem potvrdenia o prevzat\'ed inform\'e1ci\'ed, neobsahuje in\'fd text.\'93. Od\'f4vodnenie: Navrhovan\'e9 znenie rie\'9ai preuk\'e1zanie splnenia povinnosti poskytovate\'bea slu\'9eieb vo\'e8 i klientovi. Z tohto d\'f4vodu navrhujeme, aby predmetn\'e1 pr\'e1vna \'faprava bola v\'fdslovne doplnen\'e1 o po\'9eiadavku, ako m\'e1 tak\'e9to potvrdenie vyzera\'9d a to najm\'e4 o skuto\'e8nos\'9d, aby bolo potvrdenie na osobitnej listine alebo v osobitnom s\'fabore. Vzh\'beadom ku skuto\'e8nosti, \'9ee sa jedn\'e1 o potvrdenie p\'edsomne alebo formou trvanliv\'e9ho m\'e9dia, tak sme zvolili univerz\'e1lne slovo dokument namiesto osobitnej listiny a osobitn\'e9ho s\'fa boru. Po\'9eiadavkou na dokument je aj to, \'9ee v takomto dokumente nie je uveden\'fd \'9eiadny in\'fd text okrem samotn\'e9ho potvrdenia. M\'e1me zato, \'9ee pokia\'be sa nenach\'e1dza v dokumente in\'fd text okrem samotn\'e9 ho znenia potvrdenia, tak sa \'e8itate\'beovi tohto potvrdenia poskytuje vy\'9a\'9a\'ed stupe\'f2 s\'fastredenosti pri \'e8\'edtan\'ed a n\'e1slednom verifikovan\'ed tak\'e9hoto dokumentu podpisom, alebo in\'fdm sp\'f4sobom. T\'e1to pripomienka je z\'e1 sadn\'e1. 81.K \'e8l. I bodu 90 V bode 90 v \'a7 33 ods. 12 p\'edsm. a) upozor\'f2ujeme, \'9ee v n\'e1vrhu absentuje defin\'edcia, kto je distrib\'fatorom finan\'e8n\'fdch slu\'9eieb a v \'a7 33 ods. 14 p\'edsm. c) je potrebn\'e9 vypusti\'9d paragrafov \'fa zna\'e8ku pred \'e8\'edslom 37c. Od\'f4vodnenie: Legislat\'edvna pripomienka. 82.K \'e8l. I bodu 90 Navrhujeme doplni\'9d vetu do navrhovan\'e9ho ustanovenia \'a7 33 ods. 13. Znenie ustanovenia \'a7 33 ods. 13 bude po doplnen\'ed znie\'9d nas ledovne: \'84(13) Poskytovanie inform\'e1ci\'ed pod\'bea odsekov 11 a 12 s pou\'9eit\'edm in\'e9ho trvanliv\'e9ho m\'e9dia ako je p\'edsomn\'e1 forma alebo prostredn\'edctvom webov\'e9ho s\'eddla je mo\'9en\'e9 len, ak klient poskytol na tieto \'fa\'e8 ely adresu elektronickej po\'9aty a bol z\'e1rove\'f2 preuk\'e1zate\'bene upozornen\'fd, \'9ee poskytnut\'e1 adresa elektronickej po\'9aty bude vyu\'9e\'edvan\'e1 na doru\'e8ovanie inform\'e1ci\'ed pod\'bea odsekov 11 a 12.\'93. Od\'f4 vodnenie: Navrhujeme doplni\'9d predmetn\'e9 ustanovenie o v\'fdslovn\'e9 uvedenie poskytovate\'bea slu\'9eby, aby bol klient obozn\'e1men\'fd s t\'fdm, \'9ee na predmetn\'fa emailov\'fa adresu mu bud\'fa doru\'e8ovan\'e9 inform\'e1cie, ktor\'fd mi si poskytovate\'be slu\'9eby pln\'ed svoju informa\'e8n\'fa povinnos\'9d pod\'bea odsekov 11 a 12. Doplnenie navrhovanej pr\'e1vnej \'fapravy sleduje to, aby boli klientovi re\'e1lne dan\'e9 do dispoz\'edcii inform\'e1cie pod\'bea ods eku 11 a 12 a neboli zasielan\'e9 na emailov\'fa adresu, ktor\'fa klient pravidelne nekontroluje. T\'e1to pripomienka je z\'e1sadn\'e1. 83.K \'e8l. I bodu 90 V \'a7 33 ods. 14 p\'edsm. a) za slovom podnikania je potrebn\'e9 doplni\'9d \'e8iarku a slov\'e1 \'84identifika\'e8n\'e9 \'e8\'edslo\'93. Od\'f4vodnenie: Vyprecizovanie identifika\'e8n\'fdch \'fadajov. T\'e1to pripomienka je z\'e1sadn\'e1. 84. V\'a7 36 odsek 8 \'9eiadame upravi\'9d takto: : \'84(8) Samostatn\'fd finan\'e8n\'fd agent je povinn\'fd predklada\'9d N\'e1rodnej banke Slovenska v\'fdkaz o vykon\'e1van\'ed finan\'e8n\'e9ho sprostredkovania. Finan\'e8n\'fd poradca je povinn\'fd predklada\'9d N\'e1rodnej banke Slovenska v\'fdkaz o vykon\'e1van\'ed finan\'e8n\'e9ho poradenstva.\'93. Od\'f4 vodnenie: Uveden\'fdm ustanoven\'edm sa reviduj\'fa informa\'e8n\'e9 povinnosti samostatn\'fdch finan\'e8n\'fdch agentov a finan\'e8n\'fdch poradcov vzh\'beadom na to, \'9ee doteraj\'9aia \'faprava troch ro\'e8n\'fdch informa\'e8n\'fdch povinnost\'ed sa jav\'ed ako nev\'fdhodn\'e1 predov\'9aetk\'fdm pre svoju zastaranos\'9d, redundanciu n\'edzku flexibilitu pr\'e1ce doh\'beadu s t\'fdmito inform\'e1ciami. T\'e1to pripomienka je z\'e1sadn\'e1. 85. V\'a7 36 \'9eiadame vypusti\'9d odsek 9. Doteraj\'9a \'ed odsek 10 sa ozna\'e8uje ako odsek 9. Od\'f4vodnenie: Na z\'e1klade navrhovan\'e9ho znenia ustanovenia \'a7 36 ods. 8 samostatn\'fd finan\'e8n\'fd agent bude N\'e1rodnej banke Slovenska predklada\'9d len v\'fdkaz o vykon\'e1van\'ed finan\'e8n\'e9 ho sprostredkovania. Finan\'e8n\'fd poradca bude N\'e1rodnej banke Slovenska predklada\'9d len v\'fdkaz o vykon\'e1van\'ed finan\'e8n\'e9ho poradenstva. T\'e1to pripomienka je z\'e1sadn\'e1. 86.\'8eiadame nov\'e9 znenie v \'a7 36 odsek 9 znie: \'84 (9) Obsah, \'e8lenenie, \'9atrukt\'faru, frekvenciu, sp\'f4sob, formu a term\'edn predkladania v\'fdkazu o vykon\'e1van\'ed finan\'e8n\'e9ho sprostredkovania a v\'fdkazu o vykon\'e1van\'ed finan\'e8n\'e9ho poradenstva ustanov\'ed N\'e1rodn\'e1 banka Slovenska opatren\'edm vyhl\'e1sen\'fdm v zbierke z\'e1konov.\'93. Od\'f4vodnenie: Z d\'f4vodu zabezpe\'e8enia neust\'e1le meniacich sa potrieb doh\'beadu reagova\'9d na v\'fdvoj v produktovej oblasti ako i distribu\'e8n\'fdch met\'f3d bola stan oven\'e1 povinnos\'9d N\'e1rodnej banky Slovenska reagova\'9d na situ\'e1ciu na trhu t\'fdm, \'9ee stanov\'ed v sekund\'e1rnej legislat\'edve informa\'e8n\'e9 povinnosti, ktor\'e9 bud\'fa sl\'fa\'9ei\'9d pre potreby v\'fdkonu doh\'beadu. T\'e1 to pripomienka je z\'e1sadn\'e1. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid10507474 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4879099 \'c8A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid10507474 \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid4879099 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid10507474 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid10507474 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid10507474\charrsid2712597 Navrhovate\'be pripomienky ust\'fapil na rozporovom konan\'ed d\'f2a 25.7.2017}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid10507474 }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid10753880 po dohode s\~predkladate\'beom,}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid10507474 od navrhovanej pripomienky uvedenej v\~bode 80}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid10753880 .}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid10507474 a\~82. \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565\charrsid10507474 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow161\irowband161\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k \'e8l. I bodu 93, 96}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 87.K \'e8l. I bodu 93 V bode 93 v \'a7 34 ods. 1 navrhujeme slov\'e1 \'84sa jedn\'e1\'93 nahradi\'9d slovami \'84ide o\'93, plat\'ed aj pre bod 99 \'a7 37b ods. 1. Od\'f4vodnenie: Legislat\'edvna pripomienka. 88.K \'e8 l. I bodu 96 V bode 96 v \'a7 35 ods. 6 odpor\'fa\'e8ame spresni\'9d \'fapravu \'84vyhl\'e1senia o vhodnosti\'93, ? bude to formul\'e1r ?, na \'e8o bude sl\'fa\'9ei\'9d ?, \'e8o bude obsahova\'9d ?, plat\'ed aj pre bod 99 \'a7 37d ods. 3. Od\'f4 vodnenie: Legislat\'edvna pripomienka. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5382889 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4591660 A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5382889 \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow162\irowband162\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k \'e8l. I bodu 98}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 89.K \'e8l. I bodu 98 \'8eiadame vypusti\'9d noveliza\'e8n\'fd bod 98 z d\'f4vodu, \'9ee navrhujeme nov\'e9 znenie \'a7 37 takto: \'84\'a7 37 Osobitn\'e9 ustanovenia o pravidl\'e1ch \'e8innosti vo vz\'9d ahu ku klientom pri vykon\'e1van\'ed finan\'e8n\'e9ho sprostredkovania a finan\'e8n\'e9ho poradenstva v sektore kapit\'e1lov\'e9ho trhu (1) Finan\'e8n\'fd agent v sektore kapit\'e1lov\'e9ho trhu nie je opr\'e1vnen\'fd a) poskytova\'9d in\'fa investi\'e8n \'fa slu\'9ebu ako pod\'bea \'a7 2 ods. 2, b) prij\'edma\'9d pe\'f2a\'9en\'e9 prostriedky alebo finan\'e8n\'e9 n\'e1stroje klientov a nem\'f4\'9ee tak za \'9eiadnych okolnost\'ed by\'9d vo\'e8i svojim klientom v postaven\'ed osoby dlhuj\'facej pe\'f2a\'9e n\'e9 prostriedky alebo cenn\'e9 papiere. (2) Finan\'e8n\'fd poradca v sektore kapit\'e1lov\'e9ho trhu je opr\'e1vnen\'fd poskytova\'9d investi\'e8n\'fa slu\'9ebu investi\'e8n\'e9 poradenstvo len na nez\'e1vislom z\'e1klade pod\'bea osobitn\'e9 ho predpisu7). (3) Na finan\'e8n\'e9ho agenta v sektore kapit\'e1lov\'e9ho trhu a finan\'e8n\'e9ho poradcu v sektore kapit\'e1lov\'e9ho trhu sa ustanovenia \'a7 28,31, 32, 35, \'a7 36 ods. 1 a\'9e 6 nevz\'9dahuj\'fa a pou\'9eij\'fa sa ustanovenia osobitn \'e9ho predpisu XX) o: a) konflikte z\'e1ujmov, b) z\'e1sad\'e1ch konania, c) inform\'e1ci\'e1ch adresovan\'fdch klientom, d) testovan\'ed vhodnosti, e) evidencii dohodnut\'fdch pr\'e1v a povinnost\'ed finan\'e8n\'e9ho agenta alebo finan\'e8n\'e9 ho poradcu a klienta, f) poskytovan\'ed spr\'e1vy o poskytovanej slu\'9ebe, vr\'e1tane vyhl\'e1senia o vhodnosti, klientom g) po\'9eiadavk\'e1ch na distrib\'faciu finan\'e8n\'fdch n\'e1strojov, h) veden\'ed z\'e1znamov, i) zaznamen\'e1van\'ed telefonick \'fdch hovorov a elektronickej komunik\'e1cie. (4) Na finan\'e8n\'e9ho poradcu v sektore kapit\'e1lov\'e9ho trhu sa okrem odseku 3 pou\'9eij\'fa aj ustanovenia osobitn\'e9ho predpisu7) o poskytovan\'ed investi\'e8n\'e9ho poradenstva na nez\'e1vislom z\'e1 klade. (5) Na viazan\'e9ho investi\'e8n\'e9ho agenta sa nevz\'9dahuj\'fa ustanovenia \'a7 30.\'93 Pozn\'e1mka pod \'e8iarou k odkazu XX) znie: \'84XX) z\'e1kon \'e8. 566/2001 Z.z. v znen\'ed neskor\'9a\'edch predpisov a Delegovan\'e9 nariadenia Komisie (E \'da) 2017/565 z 25. apr\'edla 2016, ktor\'fdm sa dop\'e5\'f2a smernica Eur\'f3pskeho Parlamentu a Rady 2014/65/E\'da, pokia\'be ide o organiza\'e8n\'e9 po\'9eiadavky a podmienky v\'fdkonu \'e8innosti investi\'e8n\'fdch spolo\'e8nost\'ed, ako aj vymedzen \'e9 pojmy na \'fa\'e8ely uvedenej smernice.\'93 Od\'f4vodnenie: Navrhovan\'e9 znenie je transpoz\'edciou \'e8l. 3 smernice Eur\'f3pskeho parlamentu a rady 2014/65/E\'da z 15. m\'e1ja 2014 o trhoch s finan\'e8n\'fdmi n\'e1strojmi, ktorou sa men\'ed smernica 2002/92/ES a smernica 2011/61/E\'da. T\'e1to pripomienka je z\'e1sadn\'e1. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5309768 \par \par \par \par \par \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow163\irowband163\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k \'e8l. I bod 7}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 9.K \'e8l. I bodu 7 V bode 7 navrhujeme slovo \'84odsek\'93 nahradi\'9d slovom \'84ods.\'93, za slovo \'84sa\'93 doplni\'9d slov\'e1 \'84na za\'e8iatok\'93 a slovo \'84v\'fdlu\'e8ne\'93 nahradi\'9d slovom \'84len\'93. Od\'f4 vodnenie: Legislat\'edvna pripomienka. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14031763 A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow164\irowband164\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k \'e8l. I bodu 99}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 90.K \'e8l. I bodu 99 V bode 99 v \'a7 37b ods. 1 navrhujeme slov\'e1 \'84je povinn\'fd\'93 nahradi\'9d slovami \'84s\'fa povinn\'ed\'93. Od\'f4vodnenie: Legislat\'edvna pripomienka. 91.K \'e8l. I bodu 99 V bode 99 upozor \'f2ujeme, \'9ee ustanovenie \'a7 37c je nenormat\'edvne a vecne nejednozna\'e8n\'e9. Nie je zrejm\'e9, \'e8o v\'f4bec je \'84kr\'ed\'9eov\'fd predaj\'93, nie je definovan\'e9 \'e8o sa rozumie \'84doplnkov\'fdm produktom alebo slu\'9ebou\'93 a \'84 doplnkom k produktu alebo slu\'9ebe\'93, ustanovenie by malo by\'9d formulovan\'e9, ako povinnosti, za nenormat\'edvne pova\'9eujeme aj slovn\'e9 spojenia \'84zlo\'9eky zmluvy mo\'9eno k\'fapi\'9d osobitne\'93 a slovn\'e9 spojenie \'84ustanovenia nebr\'e1 nia\'93 a rovnako sa nejednotne pou\'9e\'edvaj\'fa pojmy \'84s\'fa\'e8as\'9d\'93 a \'84zlo\'9eka\'93. Od\'f4vodnenie: Legislat\'edvna pripomienka. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15103573 \par \par \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4137936 N}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15103573 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid4137936 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4137936 \par }{\rtlch\fcs1 \ab\af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid4137936\charrsid4137936 Ide o\~zos\'faladenie}{\rtlch\fcs1 \ab\af0\afs25 \ltrch\fcs0 \b\f0\fs25\insrsid4137936\charrsid4137936 }{\rtlch\fcs1 \af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid4137936\charrsid4137936 s\~\'e8l. 24 smernice IDD (kr\'ed\'9eov\'fd predaj).}{\rtlch\fcs1 \ab\af0\afs25 \ltrch\fcs0 \b\f0\fs25\insrsid4137936\charrsid4137936 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow165\irowband165\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k \'e8l. I bodu 99}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 92.K \'e8l. I bodu 99 \'8eiadame upravi\'9d \'a7 37c ods. 3 tak, aby bol v s\'falade s \'e8l. 24 odsek 3 IDD. Od\'f4vodnenie: Odstr\'e1nenie transpozi\'e8n\'e9ho deficitu. Implement\'e1cia Smernice Eur\'f3 pskeho parlamentu a Rady (E\'da) 2016/97 z 20. janu\'e1ra 2016 o distrib\'facii poistenia. T\'e1to pripomienka je z\'e1sadn\'e1. 93.K \'e8l. I bodu 99 V I bode 99 upozor\'f2ujeme, \'9ee ustanovenie \'a7 37d je nenormat\'edvne, preto\'9ee nie je zrejm\'e9 , kto je povinn\'fd poskytn\'fa\'9d pr\'edslu\'9an\'e9 inform\'e1cie, obsah inform\'e1cii je pr\'edli\'9a v\'9aeobecn\'fd nepresn\'fd a z\'e1rove\'f2 sa pou\'9e\'edvaj\'fa nenormat\'edvne pojmy, ako \'84kumulat\'edvny \'fa\'e8inok na n\'e1vratnos\'9d invest\'edcie\'93, \'84cel\'fd \'9eivotn\'fd cyklus invest\'edcie\'93, \'84informovan\'e9 investi\'e8n\'e9 rozhodnutie\'93. Od\'f4vodnenie: Legislat\'edvna pripomienka. 94.K \'e8l. I bodu 99 V \'a7 37d ods. 1 p\'edsm. a) \'9eiadame slovo \'84\'e8i\'93 nahradi\'9d slovom \'84\'9ee\'93 z d\'f4vodu, aby bol dosiahnut\'fd s\'falad s \'e8l. 39 ods. 1 p\'edsm. a) IDD. Od\'f4vodnenie: Odstr\'e1nenie transpozi\'e8n\'e9ho deficitu. Implement\'e1cia Smernice Eur\'f3pskeho parlamentu a Rady (E\'da ) 2016/97 z 20. janu\'e1ra 2016 o distrib\'facii poistenia. T\'e1to pripomienka je z\'e1sadn\'e1. 95.K \'e8l. I bodu 99 Navrhujeme doplni\'9d slovo \'84preuk\'e1zate\'bene\'93 do navrhovan\'e9ho ustanovenia \'a7 37d ods. 3 nasledovne: \'84 (3) Ak ide o uzavretie zmluvy o investi\'e8nom produkte zalo\'9eenom na poisten\'ed prostredn\'edctvom prostriedkov dia\'bekovej komunik\'e1cie, finan\'e8n\'fd agent poskytne klientovi alebo potenci\'e1lnemu klientovi vyhl\'e1 senie o vhodnosti na trvanlivom m\'e9diu bezprostredne po tom, ako klient alebo potenci\'e1lny klient uzavrie zmluvu o investi\'e8nom produkte zalo\'9eenom na poisten\'ed, ak klient alebo potenci\'e1lny klient preuk\'e1zate\'bene s\'fahlasil s prijat\'ed m tohto vyhl\'e1senia po uzavret\'ed tejto zmluvy a finan\'e8n\'fd agent preuk\'e1zate\'bene poskytol klientovi alebo potenci\'e1lnemu klientovi mo\'9enos\'9d odlo\'9ei\'9d uzavretie tejto zmluvy a\'9e po prijat\'ed vyhl\'e1senia o vhodnosti.\'93. Od\'f4 vodnenie: Navrhujeme doplni\'9d do navrhovan\'e9ho znenia slovo "preuk\'e1zate\'bene", aby bol poskytovate\'be slu\'9eieb povinn\'fd preuk\'e1za\'9d, \'9ee klient s\'fahlas\'ed s predlo\'9een\'edm vhodnosti produktu bezprostredne po uzavret\'ed zmluvy o investi\'e8nom produkte zalo\'9eenom na poisten\'ed v spojen\'ed s preuk\'e1zate\'ben\'fdm poskytnut\'edm inform\'e1cii o odlo\'9een\'ed uzavretia zmluvy a\'9e po prijat\'ed vyhl\'e1senia vhodnosti produktu pre klienta. T\'e1to pripomienka je z \'e1sadn\'e1. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3150085 \par \par \par \par \par \par \par \'c8A\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid3150085 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3150085 \par \par \par \par \par \par \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid3150085\charrsid3150085 Navrhovate\'be pripomienky}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid3150085 uvedenej v\~bode 95}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid5309768 .}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid3150085 ust\'fapil od navrhovanej pripomienky.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid3150085\charrsid3150085 \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow166\irowband166\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k \'e8l. I bodu 101}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 96.K \'e8l. I bodu 101 V \'e8l. I bode 101 v \'a7 38 ods. 16 odpor\'fa\'e8ame spresni\'9d slov\'e1 \'84ak\'fdchko\'bevek probl\'e9moch\'93 asi len t\'fdch, ktor\'e9 vypl\'fdvaj\'fa alebo s\'favisia s ich \'e8innos\'9dou. Od \'f4vodnenie: Legislat\'edvna pripomienka \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid678483 N \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid678483 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid678483\charrsid678483 Ustanovenie je zrozumite\'bene, predkladate\'be nepova\'9euje za potrebn\'e9 \'efal\'9aie spresnenie znenia.\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow167\irowband167\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k \'e8l. I bodu 102, 103}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 97.K \'e8l. I bodu 102 V \'a7 39 ods. 3 n\'e1vrhu z\'e1kona navrhujeme doplni\'9d v \'favodnej vete za slovo \'84poskytovate\'bea\'93 slov\'e1 \'84osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania\'93. Od\'f4vodnenie: Legislat \'edvna pripomienka, s\'falad s navrhovan\'fdm textom. T\'e1to pripomienka je z\'e1sadn\'e1. 98. Slovo poskytovate\'be sa v n\'e1vrhu z\'e1kona vyskytuje vo viacer\'fdch v\'fdznamoch, preto navrhujeme upresnenie \'a7 39 ods. 3 n\'e1vrhu z\'e1kona. T\'e1 to pripomienka je z\'e1sadn\'e1. 99.K \'e8l. I bodu 102 V \'a7 39 ods. 9 n\'e1vrhu z\'e1kona navrhujeme \'favodn\'fa vetu preformulova\'9d takto: \'84N\'e1rodn\'e1 banka Slovenska pri ukladan\'ed sankcie pod\'bea odsekov 1 a\'9e 3 prihliada na\'93. Od\'f4 vodnenie: Ide o upresnenie formul\'e1cie v zmysle, \'9ee N\'e1rodn\'e1 banka Slovenska je povinn\'e1 pri ukladan\'ed sankcie alebo in\'e9ho opatrenia zoh\'beadni\'9d krit\'e9ri\'e1 uveden\'e9 v \'a7 39 ods. 9 n\'e1vrhu z\'e1kona. T\'e1to pripomienka je z \'e1sadn\'e1. 100.K \'e8l. I bodu 102 V \'a7 39 ods. 9 p\'edsm. f) n\'e1vrhu z\'e1kona navrhujeme nahradi\'9d slovo \'84spolupr\'e1ce\'93 slovom \'84s\'fa\'e8innosti\'93 a za slov\'e1 \'84pr\'e1vnickej osoby\'93 doplni\'9d slov\'e1 \'84v r\'e1mci v\'fd konu doh\'beadu a v r\'e1mci konania o ulo\'9een\'ed sankcie\'93. Od\'f4vodnenie: Ide o upresnenie predmetn\'e9ho ustanovenia n\'e1vrhu z\'e1kona. T\'e1to pripomienka je z\'e1sadn\'e1. 101.K \'e8l. I bodu 103 Prechodn\'e9 ustanovenie k \'faprav\'e1m \'fa \'e8inn\'fdm od 1. janu\'e1ra 2018. Vi\'ef pripomienku k \'c8l. III. Z\'e1sadne \'9eiadame \'fa\'e8innos\'9d posun\'fa\'9d na 23. febru\'e1r 2018, ktor\'fd je lehotou stanovenou na transpoz\'edciu IDD do vn\'fatro\'9at\'e1tneho pr\'e1va v zmysle pr\'ed lohy II \'e8asti B. Od\'f4vodnenie: Subjekty na finan\'e8nom trhu by mali ma\'9d dostatok \'e8asu prisp\'f4sobi\'9d sa novej pr\'e1vnej \'faprave a v s\'favislosti s term\'ednom \'fa\'e8innosti vykon\'e1vac\'edch nariaden\'ed k Smernici Eur\'f3 pskeho parlamentu a Rady (E\'da) 2016/97 z 20. janu\'e1ra 2016 o distrib\'facii poistenia. Z\'e1rove\'f2 NBS si mus\'ed nastavi\'9d a vybudova\'9d nov\'e9 IT rie\'9aenia plyn\'face z registra\'e8n\'fdch povinnost\'ed. T\'e1to pripomienka je z\'e1sadn\'e1 . 102.K \'e8l. I bodu 103 Z\'e1sadne \'9eiadame zmenu prechodn\'fdch ustanoven\'ed v \'a7 42c nasledovne: \'84Osoby, ktor\'e9 vykon\'e1vaj\'fa finan\'e8n\'e9 sprostredkovanie alebo finan\'e8n\'e9 poradenstvo pod\'bea predpisov \'fa\'e8inn\'fd ch do 22. febru\'e1ra 2018, s\'fa povinn\'e9 splni\'9d po\'9eiadavky pre odborn\'fa sp\'f4sobilos\'9d pod\'bea \'a7 21 ods. 3 v znen\'ed novely z\'e1kona v lehote do 31. decembra 2018.\'93. Vi\'ef pripomienku k \'c8l. III. Od\'f4 vodnenie: Subjekty na finan\'e8nom trhu by mali ma\'9d dostatok \'e8asu prisp\'f4sobi\'9d sa novej pr\'e1vnej \'faprave a v s\'favislosti s term\'ednom \'fa\'e8innosti vykon\'e1vac\'edch nariaden\'ed k Smernici Eur\'f3pskeho parlamentu a Rady (E\'da ) 2016/97 z 20. janu\'e1ra 2016 o distrib\'facii poistenia. Z\'e1rove\'f2 NBS si mus\'ed nastavi\'9d a vybudova\'9d nov\'e9 IT rie\'9aenia plyn\'face z registra\'e8n\'fdch povinnost\'ed. T\'e1to pripomienka je z\'e1sadn\'e1. \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6230696 \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid5309768 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6230696 A\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow168\irowband168\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NBS \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 vseobecn\'e9 pripomienky}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line A. V\'9aeobecn\'e9 pripomienky 1. Hlavn\'fd cie\'be a predmet \'fapravy znenia smernice je harmonizova\'9d vn\'fatro\'9at\'e1tne ustanovenia t\'fdkaj\'face sa distrib\'facie poistenia a zaistenia. Bez oh\'beadu na distribu \'e8n\'fd kan\'e1l by sa mala na v\'9aetk\'fdch klientov vz\'9dahova\'9d rovnak\'e1 \'farove\'f2 ochrany. Aby sa zabezpe\'e8ila rovnak\'e1 \'farove\'f2 ochrany a aby sa na spotrebite\'bea vz\'9dahovali porovnate\'ben\'e9 normy, najm\'e4 v oblasti spr\'ed stup\'f2ovania inform\'e1ci\'ed, je nevyhnutn\'e9 zaisti\'9d rovnak\'e9 podmienky medzi distrib\'fatormi. Smernica s\'edce stanovuje minim\'e1lnu harmoniz\'e1ciu, ktor\'e1 nebr\'e1ni \'e8lensk\'fdm \'9at\'e1tom, aby ponechali alebo zaviedli pr\'edsnej\'9a ie ustanovenia s cie\'beom chr\'e1ni\'9d klientov, z\'e1rove\'f2 treba vzia\'9d do \'favahy podstatn\'fa skuto\'e8nos\'9d, \'9ee Eur\'f3pska komisia je splnomocnen\'e1 v s\'falade s \'e8l\'e1nkom 38 smernice prij\'edma\'9d delegovan\'e9 akty. Ich cie\'be om je spresni\'9d, ako maj\'fa sprostredkovatelia poistenia a pois\'9dovne dodr\'9eiava\'9d z\'e1sady pri v\'fdkone \'e8innost\'ed distrib\'facie poistenia svojim klientom vr\'e1tane zoh\'beadnenia inform\'e1ci\'ed, ktor\'e9 sa maj\'fa z\'edska\'9d pri posudzovan\'ed vhodnosti a primeranosti investi\'e8n\'fdch produktov zalo\'9een\'fdch na poisten\'ed pre svojich klientov, krit\'e9ri\'ed na pos\'fadenie nekomplexn\'fdch investi\'e8n\'fdch produktov zalo\'9een\'fdch na poisten\'ed a obsahu a form \'e1tu z\'e1znamov a zml\'fav o poskytovan\'ed slu\'9eieb klientom a pravideln\'fdch spr\'e1v klientom o poskytovan\'fdch slu\'9eb\'e1ch. V pr\'edpade, ak sa SR z\'e1sadne odch\'fdli od ustanoven\'ed smernice, ktor\'e9 bud\'fa \'efalej spresnen\'e9 v delegovan\'fdch aktoch, m\'f4\'9ee nasta\'9d z\'e1sadn\'fd probl\'e9m s ich aplik\'e1ciou v praxi a s\'faladom pr\'e1vnych predpisov. Smernica rozli\'9auje sprostredkovate\'bea vykon\'e1vaj\'faceho \'e8innos\'9d na nez\'e1vislom z\'e1 klade a sprostredkovate\'bea vykon\'e1vaj\'faceho \'e8innos\'9d na viazanom princ\'edpe. Smernica definuje \'84poradenstvo\'93 ako poskytovanie osobn\'fdch odpor\'fa\'e8an\'ed klientovi bu\'ef na jeho \'9eiados\'9d, alebo z iniciat\'edvy distrib\'fa tora poistenia v s\'favislosti s jednou alebo viacer\'fdmi zmluvami o poisten\'ed. Ak sprostredkovate\'be poistenia informuje klienta, \'9ee poskytuje poradenstvo na z\'e1klade objekt\'edvnej a osobnej anal\'fdzy, mus\'ed toto poradenstvo poskytn\'fa\'9d na z\'e1klade anal\'fdzy dostato\'e8ne ve\'bek\'e9ho po\'e8tu poistn\'fdch zml\'fav dostupn\'fdch na trhu, ktor\'e1 mu umo\'9en\'ed urobi\'9d osobn\'e9 odpor\'fa\'e8anie v s\'falade s odborn\'fdmi krit\'e9riami k tomu, ktor\'e1 poistn\'e1 zmluva bude primeran\'e1 potreb\'e1m z\'e1kazn\'edka. Platn\'fd z\'e1kon \'e8. 186/2009 Z. z. definuje poradenstvo ako poskytovanie odbornej pomoci, inform\'e1ci\'ed, stanov\'edsk, odpor\'fa\'e8an\'ed a osobn\'fdch finan\'e8n\'fdch pl\'e1 nov klientovi v s\'favislosti s jednou finan\'e8nou slu\'9ebou alebo viacer\'fdmi finan\'e8n\'fdmi slu\'9ebami vych\'e1dzaj\'face z nestrannej anal\'fdzy dostato\'e8n\'e9ho po\'e8tu dostupn\'fdch finan\'e8n\'fdch slu\'9eieb vr\'e1tane n\'e1sledn\'e9 ho uzavierania alebo zmeny zmluvy o poskytnut\'ed finan\'e8nej slu\'9eby na \'9eiados\'9d klienta, v jeho mene a na jeho \'fa\'e8et. Poradenstvom v sektore poistenia alebo zaistenia je to aj zis\'9dovanie, hodnotenie a spracov\'e1vanie nestrann\'fdch anal \'fdz poistn\'e9ho rizika. Na z\'e1klade uveden\'e9ho smernica pozn\'e1 poradenstvo na nez\'e1vislom z\'e1klade, vykon\'e1van\'e9 na z\'e1klade objekt\'edvnej a osobnej anal\'fdzy dostato\'e8ne ve\'bek\'e9ho po\'e8tu poistn\'fdch produktov, \'e8o zodpoved \'e1 poradenstvu, ako ho definuje platn\'fd z\'e1kon \'e8. 186/2009 Z. z., a poradenstvo na viazanom princ\'edpe, ktor\'e9 n\'e1\'9a z\'e1kon nepozn\'e1 ani n\'e1vrh novely t\'fato situ\'e1ciu nerie\'9ai. Uveden\'e9 bude sp\'f4sobova\'9d probl\'e9 my s aplik\'e1ciou \'e8l\'e1nku 30 smernice, nako\'beko finan\'e8n\'ed agenti nebud\'fa m\'f4c\'9d vykon\'e1va\'9d poradenstvo pre klientov ani od nich pobera\'9d odmenu za t\'fato \'e8innos\'9d. Tento stav bude znev\'fdhod\'f2ova\'9d slovensk\'e9 subjekty v porovnan\'ed so sprostredkovate\'bemi z in\'fdch \'e8lensk\'fdch \'9at\'e1tov. Upozor\'f2ujeme, \'9ee v sektore poistenia a zaistenia v s\'fa\'e8asnosti p\'f4sobia len dvaja poradcovia, ostatn\'e9 subjekty teda finan\'e8n\'ed agenti nemaj\'fa ani nebud\'fa ma\'9d opr\'e1vnenie poskytova\'9d poradenstvo klientom. Slovensk\'ed spotrebitelia bud\'fa znev\'fdhodnen\'ed z d\'f4vodu, \'9ee im nebude poskytovan\'e9 poradenstvo v rozsahu a sp\'f4sobom, ako to smernica predpoklad\'e1 . NBS opakovane upozor\'f2ovala Ministerstvo financi\'ed SR na vy\'9a\'9aie uveden\'e9 fakty a potrebu zmeni\'9d kategoriz\'e1ciu finan\'e8n\'fdch sprostredkovate\'beov tak, aby zodpovedala eur\'f3pskej regul\'e1cii. Vzh\'be adom na rozsah novej smernicovej \'fapravy v sektore poistenia (v porovnan\'ed s IMD ide o vy\'9ae dvojn\'e1sobn\'fd po\'e8et \'e8l\'e1nkov), roz\'9airuj\'facu sa eur\'f3psku pr\'e1vnu \'fapravu v \'efal\'9a\'edch sektoroch (napr. smernica o \'fa veroch na b\'fdvanie, MiFID II) ako aj v\'fdrazn\'fd po\'e8et \'faprav a doplnen\'ed vypl\'fdvaj\'facich z aplika\'e8nej praxe NBS u\'9e v \'e8ase vydania predbe\'9enej inform\'e1cie k novele z\'e1kona \'e8 . 186/2009 Z. z. upozornila na potrebu vydania nov\'e9ho z\'e1kona o finan\'e8nom sprostredkovan\'ed a finan\'e8nom poradenstve, nie len novelizovanie platn\'e9ho z\'e1kona najm\'e4 ak novela je tak rozsiahla ako v tomto pr\'edpade a otv\'e1ra sa \'f2 ou takmer ka\'9ed\'fd paragraf platn\'e9ho z\'e1kona. E\'9ate v okt\'f3bri 2016 N\'e1rodn\'e1 banka Slovenska zaslala Ministerstvu financi\'ed SR pripomienky, podnety a n\'e1vrhy k predbe\'9enej inform\'e1cii k novele z\'e1kona \'e8 . 186/2009 Z. z. o finan\'e8nom sprostredkovan\'ed a finan\'e8nom poradenstve a o zmene a doplnen\'ed niektor\'fdch z\'e1konov v znen\'ed neskor\'9a\'edch predpisov, uverejnenej na webovom s\'eddle Slov-lex pod \'e8. PI/2016/143. Okrem in\'e9 ho NBS upozornila aj na tieto skuto\'e8nosti: - v r\'e1mci v\'9aetk\'fdch sektorov finan\'e8n\'e9ho trhu, ktor\'e9 upravuje predmetn\'fd z\'e1kon, sme \'9eiadali venova\'9d zv\'fd\'9aen\'fa pozornos\'9d problematick\'fdm oblastiam, napr. \'fa prava podmienok z\'e1niku povolenia na vykon\'e1vanie \'e8innosti, v\'fdhradnos\'9d povolenia, zmena niektor\'fdch aspektov pr\'e1vnej \'fapravy odborn\'e9ho garanta, prepracovanie \'fapravy konfliktu z\'e1ujmov, \'faprava zodpovednostn\'fdch vz\'9d ahov medzi finan\'e8n\'fdmi in\'9atit\'faciami a sprostredkovate\'bemi a sprostredkovate\'bemi navz\'e1jom, komplexn\'e1 \'faprava odbornej sp\'f4sobilosti a nastavenie osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania (napr. akredit\'e1 cia resp. poverovanie vzdel\'e1vac\'edch organiz\'e1ci\'ed a doh\'bead nad ich \'e8innos\'9dou), - zoh\'beadni\'9d v\'9aetky podnety z aplika\'e8nej praxe, ktor\'e9 sme zaznamenali od za\'e8iatku \'fa\'e8innosti z\'e1 kona a boli zo strany NBS doteraz priebe\'9ene zasielan\'e9 na MF SR ako aj podnety v s\'favislosti s legislat\'edvnym procesom k novele z\'e1kona, ktor\'fd prebiehal v roku 2015, - v r\'e1mci sektora kapit\'e1lov\'e9 ho trhu sme osobitne upozornili na potrebu zmeny pr\'e1vnej \'fapravy v s\'favislosti so sprostredkovan\'edm forexov a in\'fdch \'9apekulat\'edvnych finan\'e8n\'fdch n\'e1strojov ako aj na transpoz\'edciu MiFID II do slovensk\'e9ho pr\'e1 vneho poriadku, - v r\'e1mci z\'e1kona \'e8. 90/2016 Z. z. o \'faveroch na b\'fdvanie a o zmene a doplnen\'ed niektor\'fdch z\'e1konov v platnom znen\'ed z h\'beadiska finan\'e8n\'e9ho sprostredkovania sme \'9eiadali \'fapravu prechodn\'fdch ustanoven\'ed t\'fdkaj\'facich sa povolenia na sprostredkovanie \'faverov na b\'fdvanie a splnenia po\'9eiadaviek na odborn\'fa sp\'f4sobilos\'9d ustanoven\'fdch osobitn\'fdmi predpismi (z\'e1konom). Problematick\'e9 oblasti, na ktor\'e9 upozornila NBS, neboli v navrhovanej novele zoh\'beadnen\'e9 (bli\'9e\'9aie pozri p\'edsomn\'e9 pripomienky NBS odoslan\'e9 k predbe\'9enej inform\'e1cii MF SR). T\'e1to pripomienka je z\'e1sadn\'e1. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid16272281 \par \par \par \par \par \par N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid16272281 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid16272281 \par \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid16272281\charrsid16272281 Nem\'e1 charakter }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid2588482 z\'e1sadnej }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid16272281\charrsid16272281 pripomienky.\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow169\irowband169\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 OAPSVL \'daVSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K transpoz\'edcii smernice (E\'da) 2016.97:}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 1. Do \'e8l. I \'a7 20a ods. 7 je transponovan\'fd \'e8l. 6 ods. 4 smernice (E\'da) 2016/97, av\'9aak ne\'faplne. \'8eiadame transponova\'9d aj posledn\'fa vetu predmetn\'e9ho \'e8l\'e1 nku, v ktorej je ustanoven\'e9, \'9ee: \'84Pr\'edslu\'9an\'fd org\'e1n domovsk\'e9ho \'e8lensk\'e9ho \'9at\'e1tu informuje o uvedenej zmene pr\'edslu\'9an\'fd org\'e1n hostite\'besk\'e9ho \'e8lensk\'e9ho \'9at\'e1tu bez zbyto\'e8n\'e9ho odkladu, najnesk \'f4r v\'9aak jeden mesiac od d\'e1tumu doru\'e8enia inform\'e1cii pr\'edslu\'9an\'e9mu org\'e1nu domovsk\'e9ho \'e8lensk\'e9ho \'9at\'e1tu.".\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4657949 \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow170\irowband170\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 OAPSVL \'daVSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 V\'9aeobecne k n\'e1vrhu z\'e1kona:}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 1. N\'e1vrhom z\'e1kona sa do slovensk\'e9ho pr\'e1vneho poriadku transponuje smernica Eur\'f3pskeho parlamentu a Rady (E\'da) 2016/97 z 20. janu\'e1ra 2016 o distrib\'facii poistenia (prepracovan\'e9 znenie) ( \'da. v. E\'da L 26, 2.2.2016). Predlo\'9een\'fd n\'e1vrh z\'e1kona m\'e1 navrhovan\'fa \'fa\'e8innos\'9d 1. janu\'e1ra 2018. V \'e8l. 42 smernice (E\'da) 2016/97 je ustanoven\'e9, \'9ee \'e8lensk\'e9 \'9at\'e1ty uved\'fa do \'fa\'e8innosti z\'e1kony, in \'e9 pr\'e1vne predpisy a spr\'e1vne opatrenia potrebn\'e9 na dosiahnutie s\'faladu s touto smernicou do 23. febru\'e1ra 2018. Komisii bezodkladne ozn\'e1mia znenie t\'fdchto ustanoven\'ed. N\'e1sledne v \'e8l. 44 smernice (E\'da) 2016/97 sa ustanovuje, \'9ee smernica 2002/92/ES zmenen\'e1 smernicami uveden\'fdmi v pr\'edlohe II \'e8asti A (ide o smernicu 2014/65/E\'da a o smernicu (E\'da) 2016/97) sa t\'fdmto zru\'9auje s \'fa\'e8innos\'9dou od 23. febru\'e1ra 2018 bez toho, aby boli dotknut\'e9 povinnosti \'e8lensk\'fdch \'9at\'e1tov v s\'favislosti s lehotami na transpoz\'edciu smern\'edc uveden\'fdch v pr\'edlohe II \'e8asti B (v pr\'edpade }{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid1194564 \par }{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 smernice 2014/65/E\'da do 3.7.2017; v pr\'edpade smernice (E\'da) 2016/97 do 22. 2. 2016 - pokia\'be ide o zmenu smernice 2002/92/ES v s\'falade s \'e8l\'e1 nkom 43 tejto smernice a 23. 2. 2018 - pokia\'be ide o transpoz\'edciu tejto smernice v s\'falade s \'e8l\'e1nkom 42) do vn\'fatro\'9at\'e1tneho pr\'e1va. \'8eiadame zoh\'beadni\'9d tieto skuto\'e8nosti v n\'e1vrhu z\'e1kona a pri navrhovan\'ed jeho \'fa \'e8innosti. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4657949 \par \par A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow171\irowband171\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 OAPSVL \'daVSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K dolo\'9eke zlu\'e8ite\'benosti:}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 1. V bode 3 dolo\'9eky zlu\'e8ite\'benosti sekund\'e1rne pr\'e1vo \endash 1. legislat\'edvne akty, \'9eiadame uv\'e1dza\'9d iba tie pr\'e1vne z\'e1v\'e4zn\'e9 akty Eur\'f3pskej \'fanie, v ktor\'fd ch je problematika n\'e1vrhu z\'e1kona upraven\'e1, t. j. smernica (E\'da) 2016/97, smernica 2014/17/E\'da, nariadenie (E\'da) \'e8. 1094/2010 v platnom znen\'ed a nariadenie (E\'da) \'e8. 1093/2010 v platnom znen\'ed.\cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8607094 \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow172\irowband172\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 OAPSVL \'daVSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K predkladacej spr\'e1ve:}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 1. \'8eiadame do predkladacej spr\'e1vy doplni\'9d, \'9ee n\'e1vrhom z\'e1kona sa transponuj\'fa aj niektor\'e9 ustanovenia smernice 2014/17/E\'da. 2. V s\'falade s \'e8l\'e1nkom 18 ods. 1 p\'edsm. e) Legislat\'ed vnych pravidiel vl\'e1dy SR \'9eiadame doplni\'9d inform\'e1ciu, \'e8i n\'e1vrh z\'e1kona m\'e1 by\'9d predmetom vn\'fatrokomunit\'e1rneho pripomienkov\'e9ho konania alebo \'e8i sa vn\'fatrokomunit\'e1rne pripomienkov\'e9 konanie uskuto\'e8nilo. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4657949 \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow173\irowband173\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 OAPSVL \'daVSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K d\'f4vodovej spr\'e1ve, osobitn\'e1 \'e8as\'9d:}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 1. \'8eiadame predkladate\'bea, aby prepracoval osobitn\'fa \'e8as\'9d d\'f4vodovej spr\'e1vy tak, aby od\'f4vodnenia k jednotliv\'fdm bodom neobsahovali iba opis, resp. prepis znenia z n\'e1vrhu z \'e1kona. T\'e1to po\'9eiadavka vypl\'fdva z \'a7 7 ods. 2 z\'e1kona \'e8. 400/2015 Z. z. o tvorbe pr\'e1vnych predpisov a o Zbierke z\'e1konov Slovenskej republiky a o zmene a doplnen\'ed niektor\'fdch z\'e1konov v znen\'ed z\'e1kona \'e8 . 310/2016 Z. z., kde je ustanoven\'e9, \'9ee osobitn\'e1 \'e8as\'9d d\'f4vodovej spr\'e1vy obsahuje vecn\'e9 od\'f4vodnenie jednotliv\'fdch navrhovan\'fdch ustanoven\'ed pr\'e1vneho predpisu; do od\'f4vodnenia sa nesmie prebera\'9d text t\'fd chto ustanoven\'ed. 2. V d\'f4vodovej spr\'e1ve, osobitnej \'e8asti \'9eiadame doplni\'9d od\'f4vodnenie k \'e8l. I k bodu 16. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 { \rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4731264 A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4731264 \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow174\irowband174\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 OAPSVL \'daVSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 V\'9aeobecne k n\'e1vrhu z\'e1kona:}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 2. Cel\'fd text n\'e1vrhu z\'e1kona odpor\'fa\'e8ame upravi\'9d v s\'falade so z\'e1konom \'e8. 400/2015 Z. z. o tvorbe pr\'e1vnych predpisov a o Zbierke z\'e1konov Slovenskej republiky a o zmene a doplnen\'ed niektor\'fdch z\'e1konov v znen\'ed z\'e1kona \'e8. 310/2016 Z. z. a v s\'falade Legislat\'edvnymi pravidlami vl\'e1dy SR. \'8eiadame dodr\'9eiava\'9d legislat\'edvnu techniku, jasne upravi\'9d pr\'e1va a povinnosti a vyhn\'fa\'9d sa ustanoveniam deklarat\'f3rneho charakteru bez normat\'edvneho obsahu. Taktie\'9e je potrebn\'e9 upravi\'9d n\'e1vrh z\'e1kona tak, aby bol terminologicky presn\'fd, jazykovo a \'9atylisticky spr\'e1vny pod\'bea pravidiel slovensk\'e9ho pravopisu. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5340082 \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow175\irowband175\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 OAPSVL \'daVSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K transpoz\'edcii smernice (E\'da) 2016.97:}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 2. Do \'e8l. I \'a7 38 ods. 1 a \'a7 38 ods. 3 , 5 a 6 z\'e1kona \'e8. 186/2009 Z. z. je transponovan\'fd \'e8l. 35 ods. 1 a 2 smernice (E\'da) 2016/97, av\'9aak ne\'faplne. Predmetn\'fd \'e8l\'e1 nok smernice sa t\'fdka oznamovania poru\'9aen\'ed a ustanovuje, \'9ee: \'84\'c8lensk\'e9 \'9at\'e1ty zabezpe\'e8ia, aby pr\'edslu\'9an\'e9 org\'e1ny zaviedli \'fa\'e8inn\'e9 mechanizmy s cie\'beom umo\'9eni\'9d a podporova\'9d, aby sa t\'fdmto org\'e1 nom oznamovali potenci\'e1lne alebo skuto\'e8n\'e9 poru\'9aenia vn\'fatro\'9at\'e1tnych ustanoven\'ed implementuj\'facich t\'fato smernicu.". N\'e1sledne v ods. 2 \'e8l. 35 smernice sa ustanovuje, \'9ee mechanizmy v ods. 1 musia aspo\'f2 zah\'e0\'f2a\'9d : \'84a) osobitn\'e9 postupy prij\'edmania spr\'e1v a n\'e1sledn\'e9 opatrenia, b) primeran\'fa ochranu zamestnancov distrib\'fatorov poistenia alebo zaistenia aspo\'f2 pred odvetvov\'fdmi opatreniami, diskrimin\'e1ciou alebo \'efal\'9a\'ed mi druhmi nespravodliv\'e9ho zaobch\'e1dzania a ak je to mo\'9en\'e9, \'efal\'9a\'edch os\'f4b, ktor\'e9 ozn\'e1mia poru\'9aenie, ku ktor\'e9mu do\'9alo v r\'e1mci t\'fdchto subjektov, a c) ochranu toto\'9enosti osoby, ktor\'e1 ozn\'e1mi poru\'9a enie, a fyzickej osoby, ktor\'e1 je \'fadajne zodpovedn\'e1 za poru\'9aenie, vo v\'9aetk\'fdch \'9at\'e1di\'e1ch postupu, pokia\'be tak\'e9to zverejnenie nie je povinn\'e9 pod\'bea vn\'fatro\'9at\'e1tneho pr\'e1va v s\'favislosti s \'efal\'9a\'edm vy\'9a etrovan\'edm alebo n\'e1sledn\'fdm spr\'e1vnym alebo s\'fadnym konan\'edm.". Predkladate\'be preukazuje transpoz\'edciu ustanovenia smernice ustanoveniami o doh\'beade nad vykon\'e1van\'edm finan\'e8n\'e9ho sprostredkovania a finan\'e8n\'e9 ho poradenstva N\'e1rodnou bankou Slovenska, predmetom doh\'beadu at\'ef. \'8eiadame spr\'e1vne transponova\'9d \'e8l. 35 ods. 1 a 2 smernice (E\'da) 2016/97 do slovensk\'e9ho pr\'e1vneho poriadku. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5340082 A \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid7489107 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid7489107 Predmetn\'e9 ustanovenie je transponovan\'e9 v \'a7 38a a\'9e 38e z\'e1kona \'e8. 747/2004 Z. z.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid7489107\charrsid7489107 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow176\irowband176\ltrrow\ts11\trqc\trleft-8\trbrdrt \brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 OAPSVL \'daVSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K dolo\'9eke zlu\'e8ite\'benosti:}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 2. Pri cit\'e1cii smernice 2014/17/E\'da \'9eiadame vypusti\'9d dodatok \'84v platnom znen\'ed\'93, ke\'ef\'9ee predmetn\'e1 smernica nebola novelizovan\'e1.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12662483 \par \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8607094 N \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid12662483 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af0\afs25 \ltrch\fcs0 \cs19\f0\fs25\insrsid12662483\charrsid12662483 Smernica 2014/17/E\'da bola novelizovan\'e1 nariaden\'edm Eur\'f3pskeho parlamentu a Rady (E\'da) 2016/1011 z 8. j\'fana 2016 o indexoch pou\'9e\'edvan\'fd ch ako referen\'e8n\'e9 hodnoty vo finan\'e8n\'fdch n\'e1strojoch a finan\'e8n\'fdch zmluv\'e1ch alebo na meranie v\'fdkonnosti investi\'e8n\'fdch fondov, ktor\'fdm sa menia smernice 2008/48/ES a 2014/17/E\'da a nariadenie (E\'da) \'e8. 596/2014. \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12662483 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow177\irowband177\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 OAPSVL \'daVSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K tabu\'beke zhody so smernicou (E\'da) 2016.97:}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 2. \'8eiadame preuk\'e1za\'9d transpoz\'edciu \'e8l. 2 ods. 5 smernice (sprostredkovate\'be zaistenia) do slovensk\'e9ho pr\'e1vneho poriadku. Upozor\'f2ujeme, \'9ee uv\'e1dza\'9d pr\'e1 vny predpis len v st\'e5pci 8 (Pozn\'e1mky) je neposta\'e8uj\'face z h\'beadiska preuk\'e1zania n\'e1le\'9eitej transpoz\'edcie smernice, a preto \'9eiadame zo st\'e5pca 8 uveden\'fd predpis vypusti\'9d a n\'e1sledne vyplni\'9d st\'e5pec 4, 5, 6 tabu\'be ky zhody. Uveden\'e9 plat\'ed pre cel\'fa tabu\'beku zhody a ku v\'9aetk\'fdm ustanoveniam v\'9aeobecne z\'e1v\'e4zn\'fdch pr\'e1vnych predpisov uveden\'fdch v st\'e5pci 8 tabu\'beky zhody.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3763443 \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow178\irowband178\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 OAPSVL \'daVSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K tabu\'beke zhody so smernicou (E\'da) 2016.97:}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 3. V mnoh\'fdch pr\'edpadoch nie je doplnen\'fd st\'e5pec 3 (sp\'f4sob transpoz\'edcie) a rovnako st\'e5pec 7 (zhoda) tabu\'beky zhody. \'8eiadame doplni\'9d.\cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid10380109 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow179\irowband179\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 OAPSVL \'daVSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 V\'9aeobecne k n\'e1vrhu z\'e1kona:}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 3. V zmysle \'a7 7 ods. 1 p\'edsm. f) z\'e1kona \'e8. 400/2015 Z. z. o tvorbe pr\'e1vnych predpisov a o Zbierke z\'e1konov Slovenskej republiky a o zmene a doplnen\'ed niektor\'fdch z\'e1konov v znen\'ed z\'e1 kona \'e8. 310/2016 Z. z., \'84n\'e1vrh pr\'e1vneho predpisu predkladan\'fd do pripomienkov\'e9ho konania obsahuje okrem paragrafov\'e9ho znenia najm\'e4...n\'e1vrh vykon\'e1vacieho pr\'e1vneho predpisu, ak pr\'e1vny predpis obsahuje splnomoc\'f2 ovacie ustanovenie na jeho vydanie\'93. V \'e8l. I \'a7 22a ods. 16 n\'e1vrhu z\'e1kona je uveden\'e9, \'9ee: \'84Obsah a rozsah osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania, sp\'f4sob jeho vykonania a \'efal\'9aie podrobnosti o osobitnom finan\'e8 nom vzdel\'e1van\'ed ustanov\'ed v\'9aeobecne z\'e1v\'e4zn\'fd pr\'e1vny predpis, ktor\'fd vyd\'e1 Ministerstvo financi\'ed Slovenskej republiky.". V zmysle uveden\'e9ho \'9eiadame predlo\'9ei\'9d spolu s n\'e1vrhom, aj n\'e1vrh vykon\'e1vacieho pr\'e1 vneho predpisu, na ktor\'fd predkladan\'fd n\'e1vrh odkazuje. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid10380109 N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid10380109 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid10380109\charrsid10380109 V}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid10380109 \~}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid10380109\charrsid10380109 s\'fa\'e8}{ \rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid10380109 asnosti je platn\'e1 vyhl\'e1\'9aka MF SR \'e8. 600/2009 Z. z., pri\'e8om v\~s\'favislosti s\~predkladan\'fdm n\'e1vrhom z\'e1kona predpoklad\'e1me len minim\'e1lne zmeny, ktor\'e9 z\'e1 visia od kone\'e8nej podoby vykon\'e1vacieho nariadenia Komisie k\~smernici IDD, ktor\'e9 e\'9ate nie je publikovan\'e9.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid10380109\charrsid10380109 \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow180\irowband180\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 OAPSVL \'daVSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K transpoz\'edcii smernice (E\'da) 2016.97:}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 3. V zmysle \'e8l. I \'a7 42c n\'e1vrhu z\'e1kona sa ustanovuje, \'9ee: \'84Osoby, ktor\'e9 vykon\'e1vaj\'fa finan\'e8n\'e9 sprostredkovanie alebo finan\'e8n\'e9 poradenstvo pod\'bea doteraj\'9a\'ed ch predpisov \'fa\'e8inn\'fdch do 31. decembra 2017, s\'fa povinn\'e9 splni\'9d po\'9eiadavky pre odborn\'fa sp\'f4sobilos\'9d pod\'bea \'a7 21 ods. 3 v znen\'ed \'fa\'e8innom od 1. janu\'e1ra 2018 v lehote do 30 septembra 2018. V zmysle \'e8l\'e1nku 40 smernice (E\'da) 2016/97 sa ustanovuje, \'9ee: \'84\'c8lensk\'e9 \'9at\'e1ty zabezpe\'e8ia, aby sprostredkovatelia u\'9e zap\'edsan\'ed pod\'bea smernice 2002/92/ES dodr\'9eiavali pr\'edslu\'9an\'e9 ustanovenia vn\'fatro\'9at\'e1tneho pr\'e1va, ktor \'fdm sa vykon\'e1va \'e8l\'e1nok 10 ods. 1 tejto smernice, do 23. febru\'e1ra 2019.\'93. Upozor\'f2ujeme, \'9ee \'e8l. I \'a7 42c sa navrhuje pr\'edsnej\'9aia \'faprava ako je pr\'e1vna \'faprava \'e8l. 40 smernice (E\'da) 2016/97 a predstavuje tzv. \'84 gold-plating\'93. Gold-plating je v z\'e1sade ne\'9eiaduci jav, pri ktorom sa adres\'e1tom povinnost\'ed ustanov\'ed viac za\'9da\'9euj\'facich, pr\'edsnej\'9a\'edch podmienok ne\'9e plynie z pr\'e1va E\'da a zhor\'9a uje sa tak aj prostredie ich konkurencieschopnosti. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid7935118 \par \par \par A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow181\irowband181\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 OAPSVL \'daVSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K dolo\'9eke zlu\'e8ite\'benosti:}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 3. \'8eiadame vypusti\'9d z bodu 3 dolo\'9eky zlu\'e8ite\'benosti, sekund\'e1rne pr\'e1vo prijat\'e9 pred nadobudnut\'edm platnosti Lisabonskej zmluvy v\'9aetky uveden\'e9 pr\'e1vne z\'e1v\'e4zn\'e9 akty Eur\'f3 pskej \'fanie, ke\'ef\'9ee problematika n\'e1vrhu z\'e1kona nie je v nich upraven\'e1.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8607094 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow182\irowband182\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 OAPSVL \'daVSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K transpoz\'edcii smernice (E\'da) 2016.97:}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 4. Transpoz\'edcia \'e8l. 31 ods. 3 (E\'da) 2016/97 je preuk\'e1zan\'e1 do ustanovenia \'a7 38 ods. 1 z\'e1kona \'e8. 186/2009 Z. z. a do n\'e1vrhu z\'e1kona. Predmetn\'e9 ustanovenie ustanovuje, \'9e e: \'84Doh\'bead nad vykon\'e1van\'edm finan\'e8n\'e9ho sprostredkovania samostatn\'fdm finan\'e8n\'fdm agentom a finan\'e8n\'e9ho poradenstva finan\'e8n\'fdm poradcom, doh\'bead nad vykon\'e1van\'edm osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1 vania poskytovate\'beom a doh\'bead nad \'e8innos\'9dou navrhovate\'bea pod\'bea tohto z\'e1kona vykon\'e1va N\'e1rodn\'e1 banka Slovenska pod\'bea tohto z\'e1kona a pod\'bea osobitn\'e9ho predpisu.\'93. Nie je n\'e1m v\'9aak zrejm\'e9, kto vykon\'e1 va doh\'bead nad sprostredkovate\'beom z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu v sektore \'faverov na b\'fdvanie a nad sprostredkovate\'beom doplnkov\'e9ho poistenia. \'8eiadame doplni\'9d do n\'e1vrhu z\'e1kona.\cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid7935118 \par \par \par A\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid7935118 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid7935118 Doh\'bead nad sprostredkovate\'beom z\~in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu v\~oblasti poskytovania \'faverov na b\'fdvanie je upraven\'fd v \'a7 38 ods. 2. Doh\'bead nad sprostredkovate \'beom doplnkov\'e9ho poistenia je upraven\'fd v \'a7 39 os. 1.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid7935118\charrsid7935118 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow183\irowband183\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 OAPSVL \'daVSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K dolo\'9eke zlu\'e8ite\'benosti:}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 4. V bode 4 p\'edsm. b) dolo\'9eky zlu\'e8ite\'benosti je nespr\'e1vne uveden\'e1 lehota na prebratie smernice (E\'da) 2016/97 \'84do 31. m\'e1ja 2017\'93. Upozor\'f2ujeme, \'9ee t\'e1to lehota bola na z\'e1 klade \'9eiadosti pred\'e5\'9een\'e1 \'84do 31. augusta 2017\'93. V zmysle uveden\'e9ho \'9eiadame lehotu na prebratie smernice (E\'da) 2016/97 upravi\'9d.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8607094 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8607094 \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow184\irowband184\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 OAPSVL \'daVSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K transpoz\'edcii smernice (E\'da) 2016.97:}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 5. Transpoz\'edcia \'e8l. 33 ods. 2 (E\'da) 2016/97 je preuk\'e1zan\'e1 do ustanovenia \'a7 39 ods. 1 p\'edsm. c), e) a b) n\'e1vrhu z\'e1kona, av\'9aak pod\'bea n\'e1\'9aho n\'e1zoru nespr\'e1 vne a ne\'faplne. Predmetn\'e9 ustanovenie smernice ustanovuje, \'9ee \'e8lensk\'e9 \'9at\'e1ty zabezpe\'e8ia, aby pr\'edslu\'9an\'e9 org\'e1ny mali v s\'falade s vn\'fatro\'9at\'e1tnym pr\'e1vom pr\'e1vomoc ulo\'9ei\'9d v pr\'edpadoch ak\'fdchko\'be vek poru\'9aen\'ed uveden\'fdch v odseku 1 p\'edsm. e) (t\'fdka sa to pois\'9dovne alebo sprostredkovate\'bea poistenia, ktor\'ed nedodr\'9eali po\'9eiadavky na v\'fdkon \'e8innosti stanoven\'e9 v kapitol\'e1ch V a VI vo vz\'9dahu k distrib\'facii investi \'e8n\'fdch produktov zalo\'9een\'fdch na poisten\'ed) aspo\'f2 spr\'e1vne sankcie a in\'e9 opatrenia uveden\'e9 v p\'edsm. a) a\'9e f) ods. 2 smernice. \'8eiadame preto transponova\'9d v\'9aetky tieto po\'9eadovan\'e9 spr\'e1vne sankcie a in\'e9 opatrenia uveden\'e9 v \'e8l. 33 ods. 2 p\'edsm. a) a\'9e f) smernice. \'cfalej \'9eiadame upravi\'9d v\'fd\'9aku spr\'e1vnych pe\'f2a\'9en\'fdch sankci\'ed pre pr\'e1vnick\'fa osobu a fyzick\'fa osobu ustanoven\'fa v \'e8l. I \'a7 39 ods. 1 p\'ed sm. b) n\'e1vrhu z\'e1kona v s\'falade s \'e8l. 33 ods. 2 p\'edsm. e) a f) smernice (E\'da) 2016/97, ktor\'fd ustanovuje pre pr\'e1vnick\'e9 osoby \'84aspo\'f2 5 000 000 Eur alebo 5% celkov\'e9ho ro\'e8n\'e9ho obratu pod\'bea poslednej dostupnej \'fa\'e8 tovnej z\'e1vierky schv\'e1lenej riadiacim org\'e1nom..., a v pr\'edpade fyzickej osoby \'84aspo\'f2 700 000 Eur...\'93. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8937787 \par \par \par \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow185\irowband185\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 OAPSVL \'daVSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K dolo\'9eke zlu\'e8ite\'benosti:}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 5. Z bodu 4 p\'edsm. d) dolo\'9eky zlu\'e8ite\'benosti \'9eiadame vypusti\'9d smernicu (E\'da) 2016/97, ke\'ef\'9ee t\'e1to smernica e\'9ate nebola prevzat\'e1 do slovensk\'e9ho pr\'e1 vneho poriadku. Pri smernici 2014/17/E\'da \'9eiadame doplni\'9d aj z\'e1kon \'e8. 40/1964 Zb. Ob\'e8iansky z\'e1konn\'edk, z\'e1kon \'e8. 391/2015 Z. z. o alternat\'edvnom rie\'9aen\'ed spotrebite\'besk\'fdch sporov a o zmene a doplnen\'ed niektor\'fd ch z\'e1konov, z\'e1kon \'e8. 7/2005 Z. z. o konkurze a re\'9atrukturaliz\'e1cii a o zmene a doplnen\'ed niektor\'fdch z\'e1konov, vyhl\'e1\'9aka Ministerstva spravodlivosti Slovenskej republiky \'e8. 490/2004 Z. z., ktorou sa vykon\'e1va z\'e1kon \'e8 . 382/2004 Z. z. o znalcoch, tlmo\'e8n\'edkoch a prekladate\'beoch a o zmene a doplnen\'ed niektor\'fdch z\'e1konov, z\'e1kon \'e8. 382/2004 Z. z. o znalcoch, tlmo\'e8n\'edkoch a prekladate\'beoch a o zmene a doplnen\'ed niektor\'fdch z\'e1konov.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid135870 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid2841700 \'c8A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8607094 \par \par \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid135870 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af0\afs25 \ltrch\fcs0 \cs19\f0\fs25\insrsid135870 Prv\'fa vetu navrhovanej pripomienky predkladate\'be neakceptoval z\~d\'f4vodu, }{\rtlch\fcs1 \ab\af0\afs25 \ltrch\fcs0 \cs19\b\f0\fs25\insrsid135870\charrsid135870 }{\rtlch\fcs1 \af0\afs25 \ltrch\fcs0 \cs19\f0\fs25\insrsid135870\charrsid135870 \'9ee v bode 4 d) DZ treba uvies\'9d aktu\'e1lne platn\'fa smernicu }{\rtlch\fcs1 \af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid135870\charrsid135870 (E\'da) 2016/97, i\~napriek tomu, \'9ee e\'9a te nebola prevzat\'e1 do slovensk\'e9ho }{\rtlch\fcs1 \af0\afs25 \ltrch\fcs0 \cs19\f0\fs25\insrsid135870\charrsid135870 pr\'e1vneho poriadku. Je predmetom transpoz\'edcie, a\~preto sa mus\'ed uvies\'9d v\~bode 4 d) DZ. \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid135870 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow186\irowband186\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 OAPSVL \'daVSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K tabu\'beke zhody so smernicou 2014.17.E\'da:}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Pri prvom ustanoven\'ed \'9eiadame st\'e5pci 1 tabu\'beky zhody za \'84\'c8l.\'93 doplni\'9d \'e8\'edslo \'841\'93.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8937787 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow187\irowband187\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 OAPSVL \'daVSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K transpozi\'e8nej pr\'edlohe \'e8l. I:}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Transpozi\'e8n\'e1 pr\'edloha sa dop\'e5\'f2a o tret\'ed bod a \'9atvrt\'fd bod. Z h\'beadiska zachovania postupnosti, odpor\'fa\'e8ame ako tret\'ed bod uvies\'9d najsk\'f4r smernicu 2014/17/E\'da a smernicu (E \'da) 2016/97 ako \'9atvrt\'fd bod.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8937787 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow188\irowband188\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 OAPSVL \'daVSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K \'favodnej vete \'e8l. II n\'e1vrhu z\'e1kona:}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Upozor\'f2ujeme, \'9ee z\'e1kon \'e8. 39/2015 Z. z. bol novelizovan\'fd aj z\'e1konom \'e8. 292/2016 Z. z. \'8eiadame doplni\'9d tento z\'e1kon do \'favodnej vety.\cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid10355810 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow189\irowband189\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 OAPSVL \'daVSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K pozn\'e1mke pod \'e8iarou k odkazu 28a) a 41b):}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V \'e8l. I pozn\'e1mky pod \'e8iarou k odkazu 28a) a 41b) \'9eiadame vypusti\'9d. Upozor\'f2ujeme, \'9ee pod\'bea bodu 22.11. Pr\'edlohy \'e8. 1 k Legislat\'edvnym pravidl\'e1m vl\'e1dy SR nako\'be ko: \'84V pozn\'e1mke pod \'e8iarou nemo\'9eno uv\'e1dza\'9d predpisy, ktor\'e9 neboli vyhl\'e1sen\'e9 v zbierke z\'e1konov alebo publikovan\'e9 v \'daradnom vestn\'edku Eur\'f3pskych spolo\'e8enstiev alebo \'daradnom vestn\'edku Eur\'f3pskej \'fanie;\'93 .\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid2230518 N}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid10355810 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid2230518 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid2230518 Predpoklad\'e1me publikovanie predmetn\'fdch predpisov v\~\'daradnom vestn\'edku E\'da sk\'f4r ako bude uverejnen\'fd z\'e1kon v\~Zbierke z\'e1konov.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid2230518\charrsid2230518 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow190\irowband190\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 OAPSVL \'daVSR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K tabu\'beke zhody so smernicou (E\'da) 2016.97:}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V s\'falade s pr\'edlohou \'e8. 3 k Legislat\'edvnym pravidl\'e1m vl\'e1dy SR \'9eiadame tabu\'beku zhody upravi\'9d nasledovne: 1. Do pr\'e1vnych predpisov SR, ktor\'e9 transponuj\'fa smernicu \'9e iadame doplni\'9d aj z\'e1kon \'e8. 747/2004 Z. z. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6959434 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow191\irowband191\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 PM\'daSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 cel\'e9mu materi\'e1lu}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line bez pripomienok\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \cell \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow192\irowband192\ltrrow\ts11\trqc\trleft-8\trbrdrt \brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 R\'daZSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 2. Pripomienka k \'e8l. I. noveliza\'e8n\'fd bod 66}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line \'c8o z\'e1konodarca rozumie pod pojmom \'84nevyhnutn\'e9 doklady\'93, ktor\'e9 m\'e1 finan\'e8n\'e1 in\'9atit\'facia dodr\'9eiava\'9d a aktualizova\'9d? Predlo\'9een\'fd n\'e1vrh novely z\'e1kona ni \'e8 bli\'9e\'9aie neuv\'e1dza.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \cell \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow193\irowband193\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 R\'daZSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 6. Z\'e1sadn\'e1 pripomienka k \'e8l. I., noveliza\'e8n\'fd bod 90}{ \rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme do odseku 12 doplni\'9d aj odkaz na \'a7 37c, tak aby mo\'9enos\'9d poskytnutia inform\'e1ci\'ed o kr\'ed\'9eovom predaji bola umo\'9enen\'e1 aj prostredn\'edctvom webov\'e9ho s \'eddla \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid2695923 N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid2695923 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid2695923 Na z\'e1klade vysvetlenia predkladate\'bea navrhovate\'be ust\'fapil od navrhovanej pripomienky.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid2695923 Na rozporovom konan\'ed d\'f2a 18.7.2017 - rozpor odstr\'e1nen\'fd.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid2695923\charrsid2695923 \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow194\irowband194\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 R\'daZSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 3. Z\'e1sadn\'e1 pripomienka k \'e8l. I., noveliza\'e8n\'e9 body 79 a 80 }{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme, aby bola na\'efalej zachovan\'e1 p\'f4vodn\'e1 mo\'9enos\'9d pre vybran\'e9 subjekty (samostatn\'fd finan\'e8n\'fd agent -SFA, finan\'e8n\'e1 in\'9atit\'facia - FI) prevzia \'9d zodpovednos\'9d za im podriaden\'e9, resp. viazan\'e9 subjekty a zahrn\'fa\'9d ich do svojho poistenia. Tento sp\'f4sob umo\'9e\'f2oval SFA a FI priamy doh\'bead a kontrolu nad existenciou a trvan\'edm poistenia aj pre podriaden\'e9 subjekty. Predlo \'9een\'fd n\'e1vrh novely odstr\'e1nil mo\'9enos\'9d SFA prevzia\'9d zodpovednos\'9d za svojich podriaden\'fdch agentov, rovnako ako mo\'9enos\'9d finan\'e8nej in\'9atit\'facie prevzia\'9d zodpovednos\'9d za jej viazan\'e9ho finan\'e8n\'e9 ho agenta (VFA). Z\'e1rove\'f2 bola jednozna\'e8ne stanoven\'e1 povinnos\'9d pre v\'9aetk\'fdch finan\'e8n\'fdch agentov ma\'9d uzatvoren\'e9 poistenie v z\'e1konom stanovenom minim\'e1lnom rozsahu. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid2841700 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow195\irowband195\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 R\'daZSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 1. Pripomienka k \'e8l. I., noveliza\'e8n\'fd bod 2}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Nie je jasn\'e9, ak\'fdch konkr\'e9tnych vz\'9dahov sa uveden\'fd bod t\'fdka, ke\'ef\'9ee doteraz predaj finan\'e8n\'fdch slu\'9eieb finan\'e8nou in\'9atit\'faciou nespadal pod finan\'e8n\'e9 sprostredkovanie pod\'bea tohto z\'e1kona a t\'e1to novela to \'efalej nikde bli\'9e\'9aie ne\'9apecifikuje? \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12341716 \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid12341716 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12341716 \par N \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid12341716 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid12341716 Uveden\'e9 ustanovenie m\'e1 len normat\'edvny charakter v\~predmete z\'e1kona, aby boli z\'e1konom pokryt\'e9 aj ustanovenia, v\~ktor\'e9 sa t\'fdkaj\'fa finan\'e8nej in\'9atit\'facie.}{ \rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid12341716\charrsid12341716 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow196\irowband196\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 R\'daZSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 V\'9aeobecn\'e1 z\'e1sadn\'e1 pripomienka k n\'e1vrhu z\'e1 kona ako celku}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line R\'daZ navrhuje prepracovanie predlo\'9een\'e9ho materi\'e1lu v podobe od\'e8lenenia distrib\'facie poistenia a jeho predlo\'9eenie do MPK ako nov\'e9ho a samostatn\'e9ho n \'e1vrhu z\'e1kona o distrib\'facii poistenia. Ostatn\'e9 sektory finan\'e8n\'e9ho trhu zostan\'fa predmetom \'fapravy s\'fa\'e8asn\'e9ho z\'e1kona \'e8. 186/2009 Z. z. Od\'f4vodnenie: Filozofia pou\'9eit\'e1 predkladate\'beom t. j. transpoz\'ed cia smernice o distrib\'facii poistenia (IDD) do z\'e1kona upravuj\'faceho finan\'e8n\'e9 sprostredkovanie a poradenstvo komplexne na celom finan\'e8nom trhu vyvol\'e1va mno\'9estvo transpozi\'e8n\'fdch deficitov a goldplating na in\'e9 sektory finan\'e8n \'e9ho trhu, na ktor\'e9 sa IDD nevz\'9dahuje. Preto ako najvhodnej\'9aie a najpreh\'beadnej\'9aie sa jav\'ed upravi\'9d oblas\'9d distrib\'facie poistenia samostatn\'fdm z\'e1konom. Alternat\'edvne navrhujeme novelizova\'9d platn\'fd ZoFSaP formou jeho \'e8lenenia pod\'bea jednotliv\'fdch sektorov finan\'e8n\'e9ho trhu. Tento n\'e1\'9a n\'e1vrh podporuje aj rozsah novely z\'e1kona t. j. ve\'bek\'fd po\'e8et noveliza\'e8n\'fdch bodov a mno\'9estvo vznesen\'fdch pripomienok. \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid2841700 \par \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8460972 N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid8460972 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8460972\charrsid3556318 Vypraco}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8460972\charrsid8460972 vanie}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8460972 nov\'e9ho z\'e1kona nie je v\~s\'falade s\~Pl\'e1 nom legislat\'edvnych \'faloh vl\'e1dy SR na rok 2017.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8460972 Rozpor trv\'e1.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8460972\charrsid8460972 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow197\irowband197\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 R\'daZSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 8. Z\'e1sadn\'e1 pripomienka k \'e8l. I., noveliza\'e8n\'e9 mu bodu 99, v \'e8asti \'a737c odsek 3}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line R\'daZ navrhuje uveden\'e9 ustanovenie formulova\'9d takto \'84(3) Ak je poistn\'fd produkt doplnkom k produktu alebo slu\'9ebe, ktor\'e1 nie je poisten\'edm, ako s\'fa\'e8as\'9d bal\'edka alebo jednej zmluvy, a tento produkt alebo slu\'9ebu ako zlo\'9eku bal\'edka mo\'9eno k\'fapi\'9d osobitne, finan\'e8n\'fd agent alebo finan\'e8n\'fd poradca pon\'fakne klientovi mo\'9enos\'9d k\'fapi \'9d produkt alebo slu\'9ebu oddelene. Od\'f4vodnenie: Navrhnut\'e9 znenie odseku 3 nie je konformn\'e9 so znen\'edm odseku 1, ktor\'fd v\'fdslovne predpoklad\'e1 mo\'9enos\'9d, \'9ee jednotliv\'e9 zlo\'9eky bal\'edka nie je mo\'9en\'e9 k\'fapi\'9d osobitne. V odseku 3 ulo\'9een\'fa povinnos\'9d teda nie je objekt\'edvne mo\'9en\'e9 splni\'9d. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid2841700 \par \par A \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid2757495 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565\charrsid2757495 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid2757495\charrsid2757495 \par Znenie ustanovenia bolo preformulovan\'e9.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid2757495 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow198\irowband198\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 R\'daZSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\'e1sadn\'e1 pripomienka k \'e8l. I., noveliza\'e8n\'fd bod 81, v \'e8 asti \'a732 odsek 2 }{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line R\'daZ navrhuje uveden\'e9 ustanovenie formulova\'9d takto: \'84(2) Pred vykon\'e1van\'edm finan\'e8n\'e9ho sprostredkovania mus\'ed by\'9d neprofesion\'e1 lny klient jednozna\'e8ne presn\'fdm a zrozumite\'ben\'fdm sp\'f4sobom p\'edsomne alebo na inom trvanlivom m\'e9diu informovan\'fd o existencii, povahe a v\'fd\'9ake odmeny (sp\'f4sobe jej v\'fdpo\'e8tu a odhadnutej v\'fd\'9ake, ak nie je v \'e8 ase poskytovania zn\'e1ma konkr\'e9tna v\'fd\'9aka), ktor\'fa prij\'edma finan\'e8n\'fd agent za finan\'e8n\'e9 sprostredkovanie vo vz\'9dahu k uzatv\'e1ranej zmluve, ak osobitn\'fd z\'e1kon neustanovuje inak.37a)\'93 Od\'f4vodnenie: Ch\'e1 peme a akceptujeme cie\'be \endash zverejni\'9d a odkry\'9d klientovi v\'fd\'9aku prov\'edzie za sprostredkovanie, ale n\'e1vrh nezoh\'bead\'f2uje existenciu mno\'9estevn\'fdch, cie\'beov\'fdch a \'efal\'9a\'edch zlo\'9eiek prov\'edzi\'ed, ktor\'e9 s\'fa vypo\'e8\'edtan\'e9 a n\'e1rok na ich v\'fdplatu vznik\'e1 napr. na kvart\'e1lnej alebo ro\'e8nej b\'e1ze. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4006675 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4394280 \par \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid2841700 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4006675 A\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow199\irowband199\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 R\'daZSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 7. Z\'e1sadn\'e1 pripomienka k \'e8l. I. noveliza\'e8n\'fd bod 96}{ \rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line R\'daZ navrhuje uveden\'e9 ustanovenie vypusti\'9d, alebo formulova\'9d takto: \'a7 35 sa dop\'e5\'f2a odsekom 6, ktor\'fd znie: \'84(6) Ak finan\'e8n\'fd agent alebo finan\'e8n\'fd poradca vyhodnot\'ed na z\'e1klade inform\'e1ci\'ed pod\'bea odseku 1, \'9ee finan\'e8n\'e1 slu\'9eba je pre klienta vhodn\'e1, predlo\'9e\'ed klientovi vyhl\'e1senie o vhodnosti p\'edsomne alebo na inom trvanlivom m\'e9diu. Ak finan\'e8n\'fd agent alebo finan\'e8n\'fd poradca vyhodnot\'ed na z\'e1klade inform\'e1ci\'ed pod\'bea odseku 1, \'9ee finan\'e8n\'e1 slu\'9eba nie je pre klienta vhodn\'e1, upozorn\'ed na t\'fato skuto\'e8nos\'9d klienta p\'edsomne alebo na inom trvanlivom m\'e9diu. \'93. Od\'f4vodnenie: Finan\'e8n\'fd agent vykon\'e1va \'e8innos\'9d na z\'e1klade jednej alebo viacer\'fdch zml\'fav s finan\'e8n\'fdmi in\'9atit\'faciami (v z\'e1vislosti od jeho povahy), nikdy v\'9aak nie so v\'9aetk\'fdmi a nikdy nie na v\'9a etky produkty. Navrhovan\'e9 ustanovenie z\'e1kona v\'9aak postihuje mo\'9en\'e9 situ\'e1cie a ich n\'e1sledky, ktor\'e9 v\'9aak nebude m\'f4c\'9d finan\'e8n\'fd agent realizova\'9d a teda ich splni\'9d. Konkr\'e9tne ak napr. viazan\'fd finan\'e8n\'fd agent pon\'faka len niektor\'e9 finan\'e8n\'e9 produkty konkr\'e9tnej jednej finan\'e8nej in\'9atit\'facie, nem\'f4\'9ee re\'e1lne pon\'faka\'9d in\'fd produkt, ktor\'fd by i teoreticky bol pre klienta vhodn\'fd resp. vhodnej\'9a\'ed . Navrhujeme ustanovenie bez n\'e1hrady vypusti\'9d alebo upravi\'9d tak, aby ho mol finan\'e8n\'fd agent re\'e1lne i plni\'9d, alebo upravi\'9d tak \'9ee ide o povinnos\'9d finan\'e8n\'e9ho poradcu. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4006675 \par \par \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4394280 \par \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid4394280 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4006675 N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid4006675 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4006675 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid4006675 Na z\'e1klade vysvetlenia predkladate\'bea navrhovate\'be ust\'fapil od navrhovanej pripomienky. \par Na rozporovom konan\'ed d\'f2a 18.7.2017 - rozpor odstr\'e1nen\'fd.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4006675 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow200\irowband200\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 R\'daZSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 5. Z\'e1sadn\'e1 pripomienka k \'e8l. I., noveliza\'e8n\'fd bod 81, v \'e8asti \'a732 odsek 5 }{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line R\'daZ navrhuje uveden\'e9 ustanovenie vypusti\'9d, alebo formulova\'9d takto: \'84(5) Finan\'e8n\'fd agent nesmie by\'9d odme\'f2ovan\'fd ani nesmie odme\'f2ova \'9d alebo posudzova\'9d v\'fdkonnos\'9d svojich zamestnancov sp\'f4sobom, ktor\'fd by bol v rozpore s ich povinnos\'9dou kona\'9d v s\'falade s najlep\'9a\'edmi z\'e1ujmami klientov. Za t\'fdmto \'fa\'e8elom nesmie zavies\'9d \'9e iadne mechanizmy v podobe odmien, cie\'beov predaja, ani in\'fdch n\'e1strojov, ktor\'e9 by mohli by\'9d pre finan\'e8n\'e9ho agenta alebo jeho zamestnancov stimulom, aby klientovi odpor\'fa\'e8ali ur\'e8it\'fd finan\'e8n\'fd produkt, pokia\'be by bolo mo \'9en\'e9 pon\'faknu\'9d klientovi in\'fd finan\'e8n\'fd produkt, ktor\'fd by lep\'9aie sp\'e5\'f2al jeho potreby.\'93. Od\'f4vodnenie: Finan\'e8n\'fd agent vykon\'e1va \'e8innos\'9d na z\'e1klade jednej alebo viacer\'fdch zml\'fav s finan\'e8n\'fdmi in \'9atit\'faciami (v z\'e1vislosti od jeho povahy), nikdy v\'9aak nie so v\'9aetk\'fdmi a nikdy nie na v\'9aetky produkty. Navrhovan\'e9 ustanovenie z\'e1kona v\'9aak postihuje mo\'9en\'e9 situ\'e1cie a ich n\'e1sledky, ktor\'e9 v\'9aak nebude m\'f4c\'9d finan\'e8n\'fd agent realizova\'9d a teda ich splni\'9d. Konkr\'e9tne ak napr. viazan\'fd finan\'e8n\'fd agent pon\'faka len niektor\'e9 finan\'e8n\'e9 produkty konkr\'e9tnej jednej finan\'e8nej in\'9atit\'facie, nem\'f4\'9ee re\'e1lne pon\'faka\'9d in \'fd produkt, ktor\'fd by i teoreticky bol pre klienta vhodn\'fd resp. vhodnej\'9a\'ed. Navrhujeme ustanovenie bez n\'e1hrady vypusti\'9d alebo upravi\'9d tak, aby ho mohli v\'9aetci finan\'e8n\'ed agenti re\'e1lne aj splni\'9d. T\'fdmto ustanoven\'ed m sa stieraj\'fa a poru\'9auj\'fa princ\'edpy a z\'e1kladn\'e9 rozdiely medzi finan\'e8n\'fdm agentom a finan\'e8n\'fdm poradcom, ch\'e1peme motiv\'e1ciu \endash exces v MLM sprostredkovate\'besk\'fdch sie\'9dach, ale nemo\'9eno po\'9eadova\'9d od finan \'e8n\'e9ho agenta (extr\'e9mny pr\'edklad VFA) aby vykon\'e1val prieskum trhu a porovn\'e1val v\'9aetky ostatn\'e9 produkty \'e8o do \'9atrukt\'fary a ceny. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4138117 \par \par \par \par \par \par \par \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4394280 A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9379845 \par \par \par \par \par \par \par \par \cell }\pard \ltrpar\qj \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid4394280 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid4138117 \par \par \par \par \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid9379845 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9379845 \par \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid12927688 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid9379845\charrsid9379845 \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow201\irowband201\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SARM \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k z\'e1konu ako celku}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Hromadn\'e1 pripomienka verejnosti k n\'e1vrhu z\'e1kona, ktor\'fdm sa men\'ed a dop\'e5\'f2a z\'e1kon \'e8. 186/2009 Z. z. o finan\'e8nom sprostredkovan\'ed a finan\'e8nom poradenstve a o zmene a doplnen\'ed niektor\'fdch z \'e1konov v znen\'ed neskor\'9a\'edch predpisov a ktor\'fdm sa dop\'e5\'f2a z\'e1kon \'e8. 39/2015 Z. z. o pois\'9dovn\'edctve a o zmene a doplnen\'ed niektor\'fdch z\'e1konov v znen\'ed neskor\'9a\'edch predpisov. Ministerstvo financi\'ed SR predlo\'9e ilo do medzirezortn\'e9ho pripomienkov\'e9ho konania n\'e1vrh z\'e1kona, ktor\'fdm sa men\'ed a dop\'e5\'f2a z\'e1kon \'e8. 186/2009 Z. z.. o finan\'e8nom sprostredkovan\'ed a finan\'e8nom poradenstve a o zmene a doplnen\'ed niektor\'fdch z\'e1 konov v znen\'ed neskor\'9a\'edch predpisov a ktor\'fdm sa dop\'e5\'f2a z\'e1kon \'e8. 39/2015 Z. z. o pois\'9dovn\'edctve. Pod\'bea predkladate\'bea je cie\'beom navrhovan\'e9ho z\'e1kona je \bullet implement\'e1cia smernice Eur\'f3pskeho parlamentu a Rady (E\'da) 2016/97 z 20. janu\'e1ra 2016 o distrib\'facii poistenia (prepracovan\'e9 znenie), ktor\'e1 nahradila smernicu 2002/92/ES Eur\'f3pskeho parlamentu a Rady z 9. decembra 2002 o sprostredkovan\'ed poistenia (\'efalej len \'84smernica\'93), \bullet rie\'9aenie podnetov z aplika\'e8nej praxe, najm\'e4 pokia\'be ide o \'fapravu osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania v oblasti po\'9eiadaviek na odborn\'fa sp\'f4sobilos\'9d os\'f4b vykon\'e1vaj\'faci finan\'e8n\'e9 sprostredkovanie a finan\'e8n\'e9 poradenstvo, ako aj spr\'edsnenia podmienok, ktor\'e9 musia sp\'e5\'f2a\'9d pr\'e1vnick\'e9 soby, ktor\'e9 poskytuj\'fa osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie pre jednotliv\'e9 sektory a jednotliv\'e9 stupne odbornej sp\'f4sobilosti. Hoci predkladate\'be pri vypracovan\'ed tejto pr\'e1vnej \'fapravy vych\'e1dzal aj z poznatkov a sk\'fasenost\'ed takmer v\'9aetk\'fdch zainteresovan\'fdch subjektov finan\'e8n\'e9ho trhu vypl\'fdvaj\'facich z aplika\'e8 nej praxe, predlo\'9een\'fdmi n\'e1vrhmi z\'e1konov neodstr\'e1nil podstatn\'e9 probl\'e9my z aplika\'e8nej praxi v sektore poistenia a zaistenia. Predkladate\'be v z\'e1ujme dosiahnutia cie\'beov pr\'e1vnej \'fapravy taktie\'9e navrhol oproti s\'fa\'e8 asn\'e9mu stavu kvalitnej\'9aiu regul\'e1ciu osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania finan\'e8n\'fdch agentov a finan\'e8n\'fdch poradcov, av\'9aak v MPK nie je prilo\'9een\'fd n\'e1vrh v\'9aeobecne z\'e1v\'e4zn\'e9ho pr\'e1vnej predpisu, ktor\'fd by ozrejmil obsah a rozsah osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania. Pova\'9eujeme nevyhnutn\'e9 aj pre kvalitu vzdel\'e1vania (OFV) predlo\'9ei\'9d ur\'fdchlene sekund\'e1rnu legislat\'edvu, aby n\'e1vrh novely mohol by\'9d vn\'edman\'fd a pos\'fa den\'fd s na\'9aimi pripomienkami a dopadmi komplexne. Predkladate\'beom odhadovan\'e1 priemern\'e1 v\'fd\'9aka n\'e1kladov na osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie pri 15 hodinovej po\'9eiadavke stanoven\'e1 pribli\'9ene na 60,- eur (30,- eur na de \'f2) ro\'e8ne na ka\'9ed\'e9ho pracovn\'edka vykon\'e1vaj\'faceho finan\'e8n\'e9 sprostredkovanie je hlboko podhodnoten\'e1, obzvl\'e1\'9a\'9d pre vy\'9a\'9a\'ed a najvy\'9a\'9a\'ed stupe\'f2 odbornej sp\'f4sobilosti. Predlo\'9een\'e1 novela pod\'bea n \'e1\'9aho n\'e1zoru nepodporuje rovnos\'9d podmienok a hospod\'e1rsku s\'fa\'9da\'9e sprostredkovate\'beov, s\'9da\'9euje schopnos\'9d slovensk\'fdch sprostredkovate\'beov poistenia vo\'bene p\'f4sobi\'9d v r\'e1mci celej \'danie, \'e8o sp\'f4sob\'ed ni \'9e\'9aiu \'farove\'f2 ochrany spotrebite\'bea a integr\'e1ciu trhu. Slovensk\'e9 subjekty s\'fa od prijatia 186/2009 Z.z. diskriminovan\'e9 v poskytovan\'ed svojej \'e8innosti vo\'e8i zahrani\'e8n\'fdm subjektom (predov\'9aetk\'fdm pois\'9dovac\'ed m makl\'e9rom), \'e8o poru\'9auje z\'e1kladn\'e9 princ\'edpy \'84level playing field\'93, predra\'9euje servis a fin\'e1lne rie\'9aenia poistn\'fdch kryt\'ed slovensk\'fdm klientom. Nem\'f4\'9eeme nespomen\'fa\'9d aj na\'9au snahu podporovan\'fa zamestn \'e1vate\'bemi na sprostredkovate\'beskom poistnom trhu z roku 2015 o vytvorenie \'9atandardu povolania \'84pois\'9dovac\'ed makl\'e9r\'93 v r\'e1mci opera\'e8n\'e9ho programu http://www.sustavapovolani.sk/sektorova_rada-22, ktor\'e9 \'9eia\'be v\'efaka s \'fa\'e8asn\'e9mu zneniu 186/2009 Z.z. nebolo mo\'9en\'e9 dosiahnu\'9d tak, ako je to napr\'edklad v \'c8eskej republike. http://katalog.nsp.cz/karta_p.aspx?id_jp=102475&kod_sm1=19 Pripom\'edname z\'e1v\'e4zok vl\'e1dy v programovom vyhl\'e1sen\'ed o \'84 prij\'edman\'ed komplexn\'fdch rie\'9aen\'ed na zni\'9eovanie administrat\'edvneho za\'9da\'9eenia pri podnikan\'ed. Analytick\'e9 podklady pre legislat\'edvny proces musia objekt\'edvne pos\'fadi\'9d v\'fd\'9aku administrat\'edvnej za\'9da\'9eenosti vo v \'e4zbe na efekt dosiahnut\'fd navrhovanou regul\'e1ciou.\'93 Predlo\'9een\'fd n\'e1vrh pre mal\'fdch a stredn\'fdch podnikate\'beov - sprostredkovate\'beov poistenia pod\'bea n\'e1\'9aho n\'e1zoru predstavuje prive\'bek\'fa z\'e1\'9da\'9e. Predkladate \'be sa nezaoberal alternat\'edvnymi n\'e1vrhmi rie\'9aen\'ed, ktor\'e9 by viedli k dosiahnutiu predkladate\'beom definovan\'fdch cie\'beov, a ktor\'e9 boli vznesen\'e9 napr\'edklad zo strany viacer\'fdch asoci\'e1ci\'ed na finan\'e8nom trhu napr. oddelen \'edm v n\'e1vrhu z\'e1kona sektora poistenia od ostatn\'fdch sektorov osobitnou \'e8as\'9dou. V tejto hromadnej pripomienke navrhujeme najm\'e4: \bullet Prija\'9d z\'e1kladn\'e9 pojmy defin\'edcie z IDD. \bullet Upravi\'9d v novele z\'e1kona v s\'fa \'e8asnosti \'e8innosti FS a FP pre sektor poistenia. \bullet Doplni\'9d do z\'e1kona nov\'fd typ samostatn\'e9ho sprostredkovate\'bea poistenia pois\'9dovacieho makl\'e9ra a podriaden\'e9ho pois\'9dovacieho makl\'e9ra. \bullet Prija\'9d v rozsahu IDD pr\'edslu\'9an\'e9 paragrafy KAPITOLA V \'e8l. 18 a 19 o konflikte z\'e1ujmov pre zv\'fd\'9aenie transparentnosti \'e8innosti sprostredkovate\'beov poistenia vo\'e8i klientovi. \bullet Po\'9eiada\'9d v r\'e1mci MPK MFSR o predlo\'9eenie n \'e1vrhu \'84Obsahu a rozsahu osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania\'93 a koncepcie pre kontinu\'e1lne zvy\'9aovanie OFV subjektov na poistnom trhu. \bullet Po\'9eiada\'9d o vysvetlenie navrhovan\'e9mu \'a7 32 z\'e1kona 186/2009 Z.z. \bullet Zru \'9ai\'9d pravideln\'e9 sk\'fa\'9aky pre stredn\'fd, vy\'9a\'9a\'ed a najvy\'9a\'9a\'ed stupe\'f2 odbornej sp\'f4sobilosti, ak osoba kontinu\'e1lne vykon\'e1va svoju \'e8innos\'9d bez preru\'9aenia. \bullet Uvies\'9d podmienky pre uch\'e1dza\'e8ov pre sk \'fa\'9aky pre stredn\'fd stupe\'f2 odbornej sp\'f4sobilosti bez podmienky vykon\'e1va\'9d sk\'fa\'9aky ka\'9ed\'fd sektor osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania. \bullet Zavies\'9d rovnak\'e9 podmienky vzdel\'e1 vania a overovania VFA a PFA pre sektor poistenia. \bullet Vytvori\'9d preh\'beadn\'fd jednotn\'fd syst\'e9m uzn\'e1vania absolvovania OFV v zahrani\'e8\'ed. Materi\'e1l N\'e1vrh z\'e1kona zo d\'f2 a 19.06.2017 LP/2017/463 https://www.slov-lex.sk/legislativne-procesy/SK/LP/2017/463 Hromadn\'fa pripomienku mo\'9eno podpori\'9d najnesk\'f4r v pondelok 10. j\'fala 2017. Hromadn\'e1 pripomienka verejnosti k n\'e1vrhu z\'e1kona, ktor\'fdm sa men\'ed a dop\'e5\'f2a z\'e1kon \'e8. 186/2009 Z. z. o finan\'e8nom sprostredkovan\'ed a finan\'e8nom poradenstve a o zmene a doplnen\'ed niektor\'fdch z\'e1konov v znen\'ed neskor\'9a\'edch predpisov a ktor\'fdm sa dop\'e5\'f2a z\'e1kon \'e8 . 39/2015 Z. z. o pois\'9dovn\'edctve a o zmene a doplnen\'ed niektor\'fdch z\'e1konov v znen\'ed neskor\'9a\'edch predpisov. Ministerstvo financi\'ed SR predlo\'9eilo do medzirezortn\'e9ho pripomienkov\'e9ho konania n\'e1vrh z\'e1kona, ktor\'fdm sa men \'ed a dop\'e5\'f2a z\'e1kon \'e8. 186/2009 Z. z.. o finan\'e8nom sprostredkovan\'ed a finan\'e8nom poradenstve a o zmene a doplnen\'ed niektor\'fdch z\'e1konov v znen\'ed neskor\'9a\'edch predpisov a ktor\'fdm sa dop\'e5\'f2a z\'e1kon \'e8 . 39/2015 Z. z. o pois\'9dovn\'edctve Rezortn\'e9 \'e8\'edslo: MF-/013161/2017-613 A. Pripomienky k jednotliv\'fdm bodom n\'e1vrhu z\'e1kona: 1 ) k \'e8l. I bod 50 navrhujeme zavies\'9d rovnak\'e9 podmienky pre odborn\'fa sp\'f4sobilos\'9d pre VFA a PFA Od\'f4vodnenie: Tento n\'e1vrh nepodporuje rovnos\'9d podmienok a hospod\'e1rsku s\'fa\'9da\'9e sprostredkovate\'beov poistenia. Nevid\'edme \'9eiaden d\'f4vod, aby VFA mal in\'e9 odborn\'e9 sp\'f4sobilosti ako PFA (stredn\'fd stupe\'f2 odbornej sp\'f4sobilosti a vykonan\'e1 sk\'fa\'9aka). T\'fato pripomienku pova\'9eujeme za z\'e1sadn\'fa. 2) k \'e8l. I bod. 57 navrhujeme zavies\'9d len jednu/prv\'fa sk\'fa\'9aku pre ka\'9ed\'fd stupe\'f2 a sektor a zru\'9ai\'9d s\'fa\'e8asn\'e9 pravideln\'e9 sk\'fa\'9aky pre stredn\'fd, vy\'9a\'9a\'ed a najvy\'9a\'9a\'ed stupe\'f2 odbornej sp\'f4sobilosti, ak osoba kontinu\'e1lne vykon\'e1va svoju \'e8innos\'9d bez preru\'9aenia a vzdel\'e1va sa kontinu\'e1lne. V bode 57. n\'e1vrhu novely v \'a7 22 ods. 2 navrhujeme upravi\'9d pre ka\'9ed\'fd stupe\'f2: \'84Fyzick\'e1 osoba, ktor\'e1 mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky pre \'84ka\'9ed\'fd stupe\'f2\'93 stupe\'f2 odbornej sp\'f4sobilosti, je povinn\'e1 ka\'9edoro\'e8ne absolvova\'9d osobitn \'e9 finan\'e8n\'e9 vzdel\'e1vanie. Fyzick\'e1 osoba mus\'ed pred registr\'e1ciou v registri v z\'e1vislosti od podmienok preukazovania odbornej sp\'f4sobilosti \'faspe\'9ane vykona\'9d odborn\'fa sk\'fa\'9aku resp. odborn\'fa sk\'fa\'9aku s certifik\'e1 tom.\'93 Od\'f4vodnenie: Nevid\'edme opodstatnen\'fd d\'f4vod na spr\'eds\'f2ovanie odbornej sp\'f4sobilosti, ide o ne\'famern\'e9 za\'9da\'9eenie subjektov na trhu sprostredkovate\'beov (poistenia). T\'fato pripomienku pova\'9eujeme za z\'e1sadn\'fa . 3) k \'e8l. 61 Navrhujeme doplni\'9d do \'a7 22a ods. 4 bod d) d) stupne odbornej sp\'f4sobilosti Od\'f4vodnenie: Pre z\'e1ujemcov o OFV bude ihne\'ef zrejm\'e9, ktor\'e9 sektory a stupne dan\'fd poskytovate\'be vykon\'e1va. Vi\'ef nadv\'e4znos\'9d na \'efal\'9aie pripomienky v nasleduj\'facich bodoch. T\'fato pripomienku pova\'9eujeme za z\'e1sadn\'fa. 4) k \'e8l. 61 Navrhujeme upravi\'9d v ods.7 bod e) e) \'84.... a to pre jednotliv\'e9 stupne odbornej sp\'f4sobilosti, v ktor\'fdch sa bude osobitn \'e9 finan\'e8n\'e9 vzdel\'e1vanie vykon\'e1va\'9d. Od\'f4vodnenie: Podmie\'f2ova\'9d vykon\'e1vanie OFV pre v\'9aetky stupne pova\'9eujeme za neprimeran\'e9 n\'e1ro\'e8n\'e9 s podstatn\'fdm dopadom na kvalitu vzdel\'e1vania. T\'fato pripomienku pova\'9e ujeme za z\'e1sadn\'fa. 5) k \'e8l.I 61 navrhujeme upravi\'9d v ods.7 bod f) f) \'84sektory a stupne, v ktor\'fdch m\'e1 bud\'faci poskytovate\'be .....\'93 Od\'f4vodnenie: rovnako ako predch\'e1dzaj\'facom bode. T\'fato pripomienku pova\'9eujeme za z\'e1 sadn\'fa. 6) k \'e8l. I bod. 61 ods. 16 navrhujeme predlo\'9ei\'9d N\'e1vrh nov\'e9ho v\'9aeobecn\'e9ho z\'e1v\'e4zn\'e9ho predpisu z MFSR Od\'f4vodnenie : Ide o rozhoduj\'faci dokument pre naplnenia z\'e1kladn\'fdch cie\'beov MFSR transpoz\'ed cie IDD, ktor\'fd bude ma\'9d aj nemal\'e9 ka\'9edoro\'e8n\'e9 finan\'e8n\'e9 dopady sprostredkovate\'beov poistenia a naplnenie kvality OFV na trhu. Odhadovan\'e9 n\'e1klady pre FA na vzdel\'e1vanie obzvl\'e1\'9a\'9d pre sektor poistenia v anal\'fd ze dopadov pova\'9eujeme za hlboko podhodnoten\'e9. T\'fato pripomienku pova\'9eujeme za z\'e1sadn\'fa. 7) k \'e8l. I bod 61 Vytvori\'9d preh\'beadn\'fd a nen\'e1ro\'e8n\'fd syst\'e9m uzn\'e1vania absolvovan\'fdch OFV v zahrani\'e8\'ed pre slovensk\'fd ch sprostredkovate\'beov (poistenia a zaistenia). Od\'f4vodnenie: Pri povinnosti ro\'e8ne absolvova\'9d minim\'e1lne 15 hod\'edn OFV pre pr\'edslu\'9an\'fd stupe\'f2 m\'f4\'9ee ma\'9d u\'9e v prvom roku po prijat\'ed \'fa\'e8innosti z\'e1kona kapacitn\'fd probl\'e9m v\'f4bec absolvova\'9d na Slovensku pr\'edslu\'9an\'e9 zodpovedaj\'face OFV. U\'9e dnes osoby na poistnom trhu sprostredkovania poistenia vyu\'9e\'edvaj\'fa mo\'9enosti vzdel\'e1vania napr. v \'c8R, Rak\'fasku a pod. a v predlo\'9eenom n\'e1 vrh novely nie je stanoven\'fd mechanizmus poverenej in\'9atit\'facie na Slovensku, ktor\'e1 bude overova\'9d dosiahnut\'e9 OFV mimo \'fazemia SR. T\'fato pripomienku pova\'9eujeme za z\'e1sadn\'fa. 8) k \'e8l. I bod 65 navrhujeme zru\'9ai\'9d ako celok a ponecha\'9d s\'fa\'e8asn\'e9 platn\'e9 znenie v z\'e1kone. Od\'f4vodnenie: N\'e1vrh predkladate\'bea sp\'f4sobuje v\'fdrazn\'e9 nav\'fd\'9aenie \'beudsk\'fdch kapac\'edt pre obsadenie funkci\'ed odborn\'e9ho garanta. Sme za zachovanie s\'fa \'e8asn\'e9ho stavu i vzh\'beadom na na\'9ae n\'e1vrhy v \'e8asti B, jeden odborn\'fd garant pre jeden sektor bez oh\'beadu na kateg\'f3riu finan\'e8n\'e9ho agenta a/alebo pois\'9dovacieho makl\'e9ra. T\'fato pripomienku pova\'9eujeme za z\'e1sadn\'fa . 9) k \'e8l. I bodu 68. navrhujeme podrobne zv\'e1\'9ei\'9d \'e8i ide o rovnos\'9d podmienok a hospod\'e1rsku s\'fa\'9da\'9e sprostredkovate\'beov. Od\'f4vodnenie: V \'a7 27 sa vyp\'fa\'9a\'9da odsek 3, ktorou sa navrhuje majetkov\'e9 prepojenie medzi finan\'e8n\'fdm poradcom a finan\'e8n\'fdm agentom a odstra\'f2uje sa nedostatok z aplika\'e8nej praxe pre pr\'e1vnick\'e9 osoby, av\'9aak samotn\'fd n\'e1vrh novely zvy\'9auje pozit\'edvnu diskrimin\'e1ciu SFA \'9eivnostn\'ed kov podnikaj\'face fyzick\'e9 osoby. Mysl\'edme si, \'9ee ide o d\'f4le\'9eit\'fd argument na op\'e4tovn\'e9 zv\'e1\'9eenie zru\'9aenia delenia sprostredkovania a poradenstva v sektore poistenia alebo zaistenia, nako\'beko viac ako 10 perc. akt\'ed vnych SFA ( viac ako 50 subjektov ) v registri NBS podnikaj\'faci na z\'e1klade SZ\'c8O nem\'e1 pr\'e1vny z\'e1klad by\'9d zap\'edsan\'fd v oboch registroch aj pr\'edpade splnenia v\'9aetk\'fdch predp\'edsan\'fdch odborn\'fdch n\'e1le\'9eitost\'ed. T\'fa to pripomienku pova\'9eujeme za z\'e1sadn\'fa. 10) k \'e8l. I bod 76 Navrhujeme zru\'9ai\'9d ako celok a ponecha\'9d s\'fa\'e8asn\'e9 platn\'e9 znenie v z\'e1kone. Od\'f4vodnenie: N\'e1vrh predkladate\'bea sp\'f4sobuje \'efal\'9aie ka\'9edoro\'e8n\'e9 zvy \'9aovanie n\'e1kladov vr\'e1tane administrat\'edvnej n\'e1ro\'e8nosti. T\'fato pripomienku pova\'9eujeme za z\'e1sadn\'fa. 11) k \'e8l. I bod. 81 dovo\'beujeme si po\'9eiada\'9d o vysvetlenie k n\'e1vrhu \'a7 32 ods. 1 a) Pre\'e8o predkladate\'be selektuje klientov a na z\'e1klade ak\'fdch sk\'fasenost\'ed alebo probl\'e9mov aplika\'e8nej praxe toto znenie navrhol ? b) Ak pre neprofesion\'e1lneho klienta je to v n\'e1vrhu nemo\'9en\'e9, na z\'e1klade ak\'e9ho zmluvn\'e9ho vz\'9dahu by to bolo mo \'9en\'e9 pre profesion\'e1lneho klienta, pri nezmenenom znen\'ed \'a76? Od\'f4vodnenie: Z poh\'beadu aplika\'e8nej praxe je vysvetlenie d\'f4le\'9eit\'e9 pre n\'e1sledn\'fa \'e8innos\'9d ak\'e9hoko\'bevek agenta alebo sprostredkovate\'be a poistenia v prospech ochrany spotrebite\'bea. T\'fato pripomienku pova\'9eujeme za z\'e1sadn\'fa. 12) k \'e8l. I bod. 81 Dovo\'beujeme si po\'9eiada\'9d p\'edsomne dovysvetli\'9d do d\'f4vodovej spr\'e1vy predkladate\'bea, ktor\'fa v\'fd\'9a ku odmeny a ktor\'fd typ sprostredkovate\'bea poistenia konkr\'e9tne m\'e1 zverejni\'9d vo\'e8i klientovi uveden\'fd \'fadaj v \'a732 ods. 2? Od\'f4vodnenie: Nejasn\'e9 v\'9aak z aplika\'e8nej praxi ost\'e1va, ktor\'fd typ sprostredkovate\'bea poistenia m \'e1 zverej\'f2ova\'9d odmenu. V s\'fa\'e8asnosti dopl\'e1caj\'fa na uveden\'e9 znenie mal\'e9, hlavne \'84jednoosobov\'e9 spolo\'e8nosti\'93 sprostredkovate\'beov vo\'e8i ve\'bek\'fdm sie\'9dam na nejasn\'fd v\'fdklad NBS z\'e1kona a pova\'9e ujeme to za podstatn\'e9 pre ochranu spotrebite\'bea a definovanie porovnate\'ben\'fdch noriem v oblasti spr\'edstup\'f2ovania inform\'e1ci\'ed a zabezpe\'e8enia rovnak\'fdch podmienok medzi distrib\'fatormi. T\'fato pripomienku pova\'9eujeme za z\'e1sadn \'fa. 13) k \'e8l. I bod. 103 Pred\'e5\'9ei\'9d lehotu v prechodn\'fdch ustanoveniach \'a7 42c Navrhujeme pred\'e5\'9ei\'9d lehotu z 30.septembra 2018 do 31.marca 2019. Od\'f4vodnenie: Sprostredkovatelia poistenia bud\'fa potrebova\'9d viac \'e8asu na zos \'faladenie s nov\'fdmi pr\'e1vnymi povinnosti v sektore. T\'fato pripomienku pova\'9eujeme za z\'e1sadn\'fa. 14) k \'e8l.II bod 3 ods. 13 ( novele z\'e1kona 39/20015 ) doplni\'9d za ka\'9ed\'e9 slovo finan\'e8n\'fdch agentov \'84...... ,pois\'9dovac\'ed ch makl\'e9rov\'93 Od\'f4vodnenie: V zmysle predch\'e1dzaj\'facich pripomienok a navrhovan\'e9ho vytvorenia nov\'e9ho typu sprostredkovate\'bea poistenia v \'e8asti B. T\'fato pripomienku pova\'9eujeme za z\'e1sadn\'fa. B. N\'e1vrh nov\'fdch noveliza\'e8n \'fdch bodov: 1. v \'e8l.I navrhujeme nov\'fd noveliza\'e8n\'fd bod v pr\'edslu\'9anom porad\'ed, Navrhujeme do bodu 12 \'c8l. I \'a74 doplni\'9d p\'edsmenami t), u) , v), w), y,) z) pojmy/defin\'edcie zo smernice IDD \'84t) distrib\'facia poistenia s\'fa \'e8innosti spo\'e8\'edvaj\'face v poradenstve, navrhovan\'ed alebo vykon\'e1van\'ed in\'fdch pr\'edpravn\'fdch pr\'e1c ved\'facich k uzavretiu zml\'fav o poisten\'ed, uzatv\'e1ran\'ed tak\'fdchto zml\'fav alebo spolup\'f4soben\'ed pri spr\'e1ve a plnen \'ed tak\'fdchto zml\'fav, najm\'e4 v pr\'edpade poistn\'e9ho n\'e1roku vr\'e1tane poskytovania inform\'e1ci\'ed o jednej alebo viacer\'fdch poistn\'fdch zmluv\'e1ch v s\'falade s krit\'e9riami, ktor\'e9 si z\'e1kazn\'edci zvolia prostredn\'edctvom webov \'e9ho s\'eddla alebo in\'fdch m\'e9di\'ed, ako aj predlo\'9eenie rebr\'ed\'e8ka poistn\'fdch produktov vr\'e1tane ceny a porovnania produktov alebo poskytnutie z\'beavy z ceny poistnej zmluvy, ke\'ef z\'e1kazn\'edk m\'f4\'9e e na konci procesu priamo alebo nepriamo uzatvori\'9d zmluvu o poisten\'ed prostredn\'edctvom webov\'e9ho s\'eddla alebo in\'fdch m\'e9di\'ed. Pri\'e8om doplni\'9d nasleduj\'facu vetu za \'84....in\'fdch m\'e9di\'ed\'93: Za distrib\'fa ciu poistenia je pova\'9eovan\'e9 finan\'e8n\'e9 sprostredkovanie a/alebo finan\'e8n\'e9 poradenstvo pre sektor poistenia. \'84u) distrib\'facia zaistenia \'e8innosti spo\'e8\'edvaj\'face v poradenstve, navrhovan\'ed alebo vykon\'e1van\'ed in\'fdch pr\'ed pravn\'fdch pr\'e1c ved\'facich k uzavretiu zml\'fav o zaisten\'ed, uzatv\'e1ran\'ed tak\'fdchto zml\'fav alebo spolup\'f4soben\'ed pri spr\'e1ve a plnen\'ed tak\'fdchto zml\'fav, najm\'e4 v pr\'edpade poistn\'e9ho n\'e1roku vr\'e1tane pr\'edpadu, ke\'ef ich vykon\'e1va zais\'9dov\'f2a bez z\'e1sahu sprostredkovate\'bea zaistenia Pri\'e8om doplni\'9d nasleduj\'facu vetu za \'84 ....sprostredkovate\'bea zaistenia\'93: Za distrib\'faciu zaistenia je pova\'9eovan\'e9 finan\'e8n\'e9 sprostredkovanie a/alebo finan\'e8n\'e9 poradenstvo pre sektor zaistenia. \'84v) sprostredkovate\'be poistenia je ka\'9ed\'e1 fyzick\'e1 alebo pr\'e1vnick\'e1 osoba s v\'fdnimkou pois\'9dovne alebo zais\'9dovne, alebo ich zamestnancov a s v\'fd nimkou sprostredkovate\'bea doplnkov\'e9ho poistenia, ktor\'e1 za odmenu za\'e8\'edna vykon\'e1va\'9d alebo vykon\'e1va \'e8innos\'9d distrib\'facie poistenia \'84w) sprostredkovate\'be zaistenia je ka\'9ed\'e1 fyzick\'e1 alebo pr\'e1vnick\'e1 osoba, in \'e1 ne\'9e zais\'9dov\'f2a alebo jej zamestnanci, ktor\'e1 za odmenu za\'e8\'edna vykon\'e1va\'9d alebo vykon\'e1va \'e8innos\'9d distrib\'facie zaistenia \'84y) distrib\'fator poistenia je ak\'fdko\'bevek sprostredkovate\'be poistenia, sprostredkovate \'be doplnkov\'e9ho poistenia alebo pois\'9dov\'f2a \'84z) poradenstvo je poskytovanie osobn\'fdch odpor\'fa\'e8an\'ed z\'e1kazn\'edkovi(klientovi) bu\'ef na jeho \'9eiados\'9d, alebo z iniciat\'edvy distrib\'fatora poistenia v s\'fa vislosti s jednou alebo viacer\'fdmi zmluvami o poisten\'ed. Od\'f4vodnenie: V n\'e1vrhu z\'e1kona bod 12. v bode m) sa prebral pojem odmeny zo smernice IDD, pri\'e8om predkladate\'be nezadefinoval pojem \'84distrib\'facia finan\'e8nej slu\'9eby\'93. V s \'fa\'e8asnosti v platnom z\'e1kone 186 zadefinovan\'ed finan\'e8n\'ed sprostredkovatelia a finan\'e8n\'ed poradcovia pre sektor poistenia s\'fa pod\'bea z\'e1kona o DPH osoby vykon\'e1vaj\'face sprostredkovanie poistenia. Smernica zav\'e1dza komplexnej \'9aie pojmy distrib\'facie poistenia a distrib\'facie zaistenia, ktor\'fdch nedelite\'benou s\'fa\'e8as\'9dou je \'e8innos\'9d poradenstva. Sprostredkovatelia poistenia obzvl\'e1\'9a\'9d pois\'9dovac\'ed makl\'e9ri musia pri h\'beadan\'ed komplexn\'fd ch rie\'9aen\'ed poistenia pre profesion\'e1lnych i neprofesion\'e1lnych klientov oslovova\'9d \'9apecifick\'e9 poistn\'e9 trhy a pooly makl\'e9rov ( na princ\'edpe FOS). Pravdepodobne v \'9eiadnej inej krajine E\'da nie je rozdelenie vysokoodborn\'e9ho \'9apecialistu na poistnom trhu -\'84zaistn\'e9ho makl\'e9ra\'93 na finan\'e8n\'e9ho sprostredkovate\'bea pre sektor zaistenia a finan\'e8n\'e9ho poradcu pre sektor zaistenia. Preto navrhujeme prebra\'9d do pojmov z\'e1kladn\'e9 pojmy zo smernice, na ktor \'e9 sa bude v na\'9aich n\'e1vrhoch odvol\'e1va\'9d. Pre kontinu\'e1lne prepojenie nov\'fdch pojmov a s\'fa\'e8asn\'e9ho z\'e1kona je potrebn\'e9 doplnenie doplni\'9d niektor\'e9 vety. T\'fato pripomienku pova\'9eujeme za z\'e1sadn\'fa. 2. v \'e8 l.I navrhujeme nov\'fd noveliza\'e8n\'fd bod v pr\'edslu\'9anom porad\'ed, Navrhujeme zmeni\'9d defin\'edcie pre finan\'e8n\'e9 sprostredkovanie \'a7 2 ods. 4 a pre finan\'e8n\'e9 poradenstvo v \'a7 3 ods. 3. S\'fa\'e8asn\'e9 znenie \'a72 ods. 4 (4) Finan \'e8n\'fdm sprostredkovan\'edm v sektore poistenia alebo zaistenia okrem \'e8innost\'ed uveden\'fdch v odseku 1 je aj zis\'9dovanie, hodnotenie a spracov\'e1vanie anal\'fdz poistn\'e9ho rizika v s\'favislosti s pon\'fakan\'fdmi poistn\'fdmi produktmi. a s \'fa\'e8asn\'e9 znenie \'a7 3 ods. 3 (3) Finan\'e8n\'fdm poradenstvom v sektore poistenia alebo zaistenia okrem \'e8innost\'ed pod\'bea odseku 1 je aj zis\'9dovanie, hodnotenie a spracov\'e1vanie nestrann\'fdch anal\'fdz poistn\'e9ho rizika. Nahradi\'9d jedn\'fdm rovnak\'fdm textom: \'a72 ods. (4) Finan\'e8n\'fdm sprostredkovan\'edm v sektore poistenia alebo zaistenia okrem \'e8innost\'ed uveden\'fdch v odseku 1 s\'fa aj ostatn\'e9 \'e8innosti v r\'e1mci distrib\'facie poistenia alebo zaistenia. \'a7 3 ods. (3) Finan\'e8n\'fdm poradenstvom v sektore poistenia alebo zaistenia okrem \'e8innost\'ed uveden\'fdch v odseku 1 s\'fa aj ostatn\'e9 \'e8innosti v r\'e1mci distrib\'facie poistenia alebo zaistenia. Od\'f4vodenie: V smernici IDD nie s\'fa definovan \'e9 \'e8i predp\'edsan\'e9 \'e8innosti pre sprostredkovate\'bea poistenia ako identifik\'e1cie riz\'edk, anal\'fdzy poistn\'e9ho rizika.... Ide svojou prapodstatou o nedelite\'ben\'e9 \'9apecifikum sektora poistenia vo\'e8i in\'fdm finan\'e8n\'fd m sektorom a slu\'9eb\'e1m. Navrhnut\'fdm textom v odsekoch sa dop\'e5\'f2aj\'fa ostatn\'e9 \'e8innosti pre ucelenos\'9d defin\'edci\'ed distrib\'faci\'ed poistenia a zaistenia. T\'fato pripomienku pova\'9eujeme za z\'e1sadn\'fa. 3. v \'e8 l.I navrhujeme nov\'fd noveliza\'e8n\'fd bod v pr\'edslu\'9anom porad\'ed, Navrhujeme doplni\'9d nov\'e9 paragrafy 12a pois\'9dovac\'ed makl\'e9r a 12b podriaden\'fd pois\'9dovac\'ed makl\'e9r \'a7 12a (1) Pois\'9dovac\'ed makl\'e9r je osoba so s\'ed dlom, miestom podnikania alebo umiestnen\'edm organiza\'e8nej zlo\'9eky na \'fazem\'ed Slovenskej republiky, ktor\'e1 vykon\'e1va finan\'e8n\'e9 sprostredkovanie pre sektor poistenia alebo zaistenia, najm\'e4 na z\'e1klade zmluvy s pois\'9dov\'f2ou/pobo \'e8kou pois\'9dovne s in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a/alebo klientom na z\'e1klade zmluvy. \'a7 12b (1) Podriaden\'fd pois\'9dovac\'ed makl\'e9r vykon\'e1va sprostredkovanie poistenie v sektore poistenia alebo zaistenia na z\'e1klade p\'ed somnej zmluvy s pois\'9dovac\'edm makl\'e9rom. V tom istom \'e8ase m\'f4\'9ee ma\'9d podriaden\'fd pois\'9dovac\'ed makl\'e9r podp\'edsan\'fa uzavret\'fa p\'edsomn\'fa zmluvu najviac s jedn\'fdm pois\'9dovac\'edm makl\'e9rom. Od\'f4vodnenie: Priklad\'e1 me jasn\'fa a komplexn\'fa defin\'edciu charakteristiky povolania pois\'9dovacieho makl\'e9ra, \'9atandardnej profesie u\'9e vy\'9ae 300 rokov na poistnom trhu p\'f4sobiacich najm\'e4 v sektore ne\'9eivotn\'e9ho poistenia. Pois\'9dovac\'ed makl\'e9 r ( angl. Insurance broker, nem. Versicherungsmakler, franc. Courtier d\'b4assurance ) typ sprostredkovate\'bea poistenia, ktor\'fd identifikuje, definuje a stanovuje v\'fdznamnos\'9d a rozsah riz\'edk hroziacich klientovi/z\'e1 ujemcovi o poistenie. Na poistnom trhu vyh\'bead\'e1va optim\'e1lny rozsah a kvalitu poistn\'e9ho krytia pre definovan\'e9 poistite\'ben\'e9 rizik\'e1 za \'fa\'e8elom prevodu rizika z klienta na pois\'9dovate\'bea poistnou zmluvou a na z\'e1 klade rizikovej anal\'fdzy spolupracuje s pois\'9dovate\'beom na stanoven\'ed primeran\'fdch podmienok poistenia. Spolo\'e8ne s klientom stanovuj\'fa v\'fd\'9aku poistn\'fdch s\'fam/limitov plnenia a v\'fd\'9aku spolu\'fa\'e8asti v s\'fa lade s identifikovan\'fdmi a definovan\'fdmi rizikami. Sumarizuje osobitn\'e9 po\'9eiadavky na rozsah poistn\'e9ho krytia za \'fa\'e8elom ich prerokovania s pois\'9dovate\'beom. Vypracov\'e1va spr\'e1vu o anal\'fdze rizika za \'fa\'e8elom z\'ed skania adekv\'e1tneho poistn\'e9ho krytia od pois\'9dovate\'beov. Vyhodnocuje jednotliv\'e9 n\'e1vrhy poistn\'e9ho krytia od pois\'9dovate\'beov a vypracov\'e1va zd\'f4vodnenie najv\'fdhodnej\'9aej ponuky. S pois\'9dovate\'beom prerokov\'e1va detailn\'e9 znenie poistnej zmluvy. Predklad\'e1 klientovi kone\'e8n\'fd n\'e1vrh poistnej zmluvy a pre klienta zrozumite\'ben\'fdm sp\'f4sobom ho obozn\'e1mi s rozsahom poistn\'e9ho krytia, v\'fdlukami z poistn\'e9ho krytia v poistn\'fdch podmienkach a v osobitn \'fdch ustanoveniach/dojednaniach poistnej zmluvy. Informuje klienta o pr\'edpadnom nes\'falade medzi po\'9eadovan\'fdm a v poistnej zmluve uveden\'fdm rozsahom poistn\'e9ho krytia. Zabezpe\'e8uje podpis poistnej zmluvy oboma zmluvn\'fd mi stranami. Poskytuje servis pri spr\'e1ve poistnej zmluvy pravidelnou aktualiz\'e1ciou poistnej zmluvy v rozsahu zmien u klienta na z\'e1klade jeho inform\'e1ci\'ed a podkladov. Spolupracuje pri vybavovan\'ed n\'e1rokov a plnen\'ed plyn\'fa cich klientovi z poistnej zmluvy, najm\'e4 v s\'favislosti s udalos\'9dami rozhoduj\'facimi pre vznik tak\'fdchto n\'e1rokov. Podpora klienta po vzniku poistnej udalosti, najm\'e4 pri dodr\'9ean\'ed v\'9aetk\'fdch leh\'f4t, ktor\'e9 s\'fa pre klienta podstatn\'e9. Klientovi poskytuje konzulta\'e8n\'e9 slu\'9eby a rad\'ed vo forme osobn\'fdch odpor\'fa\'e8an\'ed klientovi v oblasti poistenia v s\'falade so z\'e1sadami poctiv\'e9ho obchodn\'e9ho styku s odbornou starostlivos\'9dou a v z\'e1 ujme pr\'e1v a opr\'e1vnen\'fdch z\'e1ujmov klienta. Na z\'e1klade vy\'9a\'9aie uveden\'e9ho si dovol\'edme tvrdi\'9d, \'9ee pre klienta ma\'9d mo\'9enos\'9d oslovi\'9d pois\'9dovacieho makl\'e9ra je pr\'edle\'9eitos\'9d vyu\'9ei\'9d top \'9a pecialistu a z\'edska\'9d cez jeho servis maxim\'e1lnu mieru ochrany finan\'e8n\'e9ho spotrebite\'bea. Slu\'9eby vy\'9a\'9aie definovanej profesie od roku 2010 nemohli by\'9d poskytovan\'e9 slovensk\'fdmi subjektmi, \'e8\'edm sa sna\'9e\'edme len zvr\'e1 ti\'9d negat\'edvny stav najprijate\'benej\'9aou formou do n\'e1vrhu z\'e1kona a ukon\'e8i\'9d diskrimin\'e1ciu slovensk\'fdch subjektov, ktor\'ed dosiahnu preuk\'e1zate\'bene maxim\'e1lnu mo\'9en\'fa mieru odbornosti. Pois\'9dovac\'ed makl\'e9r m\'f4\'9e e by\'9d odme\'f2ovan\'fd od pois\'9dovne, s ktorou m\'e1 zmluvu a/alebo po dohode od klienta na z\'e1klade zmluvy. Ide o naj\'e8astej\'9a\'ed mo\'9en\'fd sp\'f4sob a v E\'da \'9atandardn\'fd postup odme\'f2ovania za komplexn\'e9 slu\'9eby makl\'e9 ra. Pois\'9dovac\'ed makl\'e9r a jeho odborn\'fd garant by mali sp\'e5\'f2a\'9d najvy\'9a\'9a\'ed stupe\'f2 odbornej sp\'f4sobilosti, rovnako absolvoval odborn\'fa sk\'fa\'9aku s certifik\'e1tom; pre podriaden\'fdch pois\'9dovac\'edch makl\'e9 rov navrhujeme odbornosti min. vy\'9a\'9a\'ed stupe\'f2 a raz vykona\'9d pr\'edslu\'9an\'fa sk\'fa\'9aku minim\'e1lne pre stupe\'f2 vy\'9a\'9a\'ed. Trval\'e9 kontinu\'e1lne OFV pre vy\'9a\'9aie stupne odbornej sp\'f4sobilosti bude kl\'e1s\'9d d\'f4 raz na kvalitu OFV a zvy\'9aovanie miery konkurencie schopnosti subjektov na trhu, \'e8o v kone\'e8nom prispeje k vy\'9a\'9aej ochrane klienta a k zlep\'9aovaniu poskytovan\'e9mu servisu slu\'9eieb. T\'fato pripomienku pova\'9eujeme za z\'e1sadn\'fa . 4. v \'e8l.I navrhujeme nov\'fd noveliza\'e8n\'fd bod v pr\'edslu\'9anom porad\'ed, V zmysle n\'e1\'9aho bodu 3 hromadnej pripomienky a k \'c8l.I bod21 navrhujeme doplni\'9d do \'a713 ods. (2) podregistrov bod g) pois\'9dovac\'edch makl\'e9 rov a bod h) podriaden\'fdch pois\'9dovac\'edch makl\'e9rov \'a7 13 V\'9aeobecn\'e9 ustanovenia o registri Bod (2 ) Podregister pod\'bea odseku 1 p\'edsm. a) sa \'e8len\'ed na zoznamy A) samostatn\'fdch finan\'e8n\'fdch agentov, b) viazan\'fdch finan\'e8n \'fdch agentov, c) podriaden\'fdch finan\'e8n\'fdch agentov, d) finan\'e8n\'fdch poradcov, e) finan\'e8n\'fdch sprostredkovate\'beov z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu v sektore poistenia alebo zaistenia. f) sprostredkovate\'beov doplnkov\'e9 ho poistenia g) pois\'9dovac\'edch makl\'e9rov h) podriaden\'fdch pois\'9dovac\'edch makl\'e9rov a z\'e1rove\'f2 upravi\'9d v \'a713 ods. (5) na z\'e1klade vy\'9a\'9aie uvedenej zmeny (5) Ka\'9ed\'e1 osoba m\'f4\'9ee by\'9d v r\'e1mci jedn\'e9 ho podregistra pod\'bea odseku 1 s\'fa\'e8asne zap\'edsan\'e1 iba v jednom z pr\'edslu\'9an\'fdch zoznamov pod\'bea odsekov 2 a\'9e 4 okrem os\'f4b zo sektora poistenia a zaistenia. Od\'f4vodnenie: Doplnenie a du\'e1lne vykon\'e1vanie jednou fyzickou al ebo pr\'e1vnickou osobou slu\'9eieb agenta a makl\'e9ra pre sektor poistenia je vzh\'beadom na dlhoro\'e8n\'fa aplika\'e8n\'fa prax nevyhnutnos\'9dou. Paragraf \'a7 6 taxat\'edvne dovo\'beuje ma\'9d zmluvu agenta len s finan\'e8nou in\'9atit\'faciou a u \'9e dnes sa ukazuje nutnos\'9d vykon\'e1va\'9d niektor\'e9 \'e8innosti nad rozsah p\'edsomn\'fdch zml\'fav s pois\'9dov\'f2ami. Uveden\'fd sp\'f4sob pova\'9eujeme za najviac transparentn\'e9 konanie subjektu vo\'e8i klientovi, ak\'fd servis mu bude poskytovan\'fd. T\'fato pripomienku pova\'9eujeme za z\'e1sadn\'fa. 5. v \'e8l.I navrhujeme nov\'fd noveliza\'e8n\'fd bod v pr\'edslu\'9anom porad\'ed, Zmeni\'9d pr\'edslu\'9an\'e9 paragrafy od \'a714 a ekvivalentne v\'9aetky pr\'edslu\'9a n\'e9 texty doplni\'9d za slovo finan\'e8n\'fd agent, \'84pois\'9dovac\'ed makl\'e9r\'93 Od\'f4vodnenie: Vzh\'beadom na komplexnos\'9d \'fapravy v\'9aetk\'fdch paragrafov a zos\'faladen\'edm pr\'edslu\'9an\'fdch pr\'e1vnych predpisov pre pois\'9dovaci eho makl\'e9ra resp. podriaden\'e9ho pois\'9dovacieho makl\'e9ra nie je mo\'9en\'e9 pop\'edsa\'9d presne v\'9aetky presn\'e9 zmeny paragrafov\'e9ho znenia. T\'fato pripomienku pova\'9eujeme za z\'e1sadn\'fa. 6. v \'e8l.I navrhujeme nov\'fd noveliza\'e8n \'fd bod v pr\'edslu\'9anom porad\'ed Navrhujeme zavies\'9d transparentn\'e9 krit\'e9ria do novely z\'e1kona \'a7 22 ods. (3) podmienok na vykon\'e1vanie odborn\'fdch sk\'fa\'9aok pre stredn\'fd stupe\'f2 bez oh\'beadu na ve\'bekos\'9d asoci\'e1 cie na finan\'e8nom trhu a nepodmie\'f2ova\'9d vykon\'e1va\'9d povinne sk\'fa\'9aky pre v\'9aetky sektory. NBS by mala zverejnen\'edm vyhl\'e1si\'9d transparentn\'e9 podmienky na z\'edskanie licencie na vykon\'e1vanie sk\'fa\'9aok. Od\'f4 vodnenie: Od roku 2010 dodnes odhadujeme len pr\'edjmy za sk\'fa\'9aky pre stredn\'fd stupe\'f2 vo v\'fd\'9ake 4 \endash 5 mil. Eur, z ktor\'fdch sa primeran\'e1 \'e8as\'9d zisku dala reinvestova\'9d do zlep\'9aenia pre vy\'9a\'9a\'ed a najvy\'9a\'9a\'ed stupe\'f2 OFV. T\'fato pripomienku pova\'9eujeme za z\'e1sadn\'fa. 7. v \'e8l.I navrhujeme nov\'fd noveliza\'e8n\'fd bod v pr\'edslu\'9anom porad\'ed doplni\'9d do n\'e1vrhu novely do \'a7 33 nov\'fd bod 4g) \'a733 (g) Pred uzavret\'ed m poistnej zmluvy sprostredkovate\'be poistenia je povinn\'fd poskytn\'fa\'9d z\'e1kazn\'edkom| inform\'e1ciu, \'e8i poskytuje poradenstvo o pred\'e1van\'fdch poistn\'fdch produktoch a | inform\'e1ciu, \'e8i sprostredkovate\'be zastupuje z\'e1kazn\'ed ka alebo \'e8i kon\'e1 v prospech pois\'9dovne a v jej mene. Z\'e1rove\'f2 sa zakazuje s\'fabe\'9ene vykon\'e1va\'9d \'e8innos\'9d finan\'e8n\'e9mu agentovi pre sektor poistenia a pois\'9dovaciemu makl\'e9rovi pre klienta pri danej poistnej zmluve. Od\'f4 vodnenie: Pova\'9eujeme to jeden z hlavn\'fdch prvkov zv\'fd\'9aenia ochrany spotrebite\'bea v zmysle IDD KAPITOLY V \'e8l. 18. i v nadv\'e4znosti na na\'9au po\'9eiadavku vytvori\'9d pois\'9dovacieho makl\'e9ra. Vyjadrujeme nes\'fahlas, \'9ee pod\'be a TAB_ ZHODY 1 ( strany 44 ) bolo korektne implementovan\'e9 z IDD do n\'e1vrhu novely z\'e1kona. T\'fato pripomienku pova\'9eujeme za z\'e1sadn\'fa. V\'9aetky pripomienky maj\'fa charakter z\'e1sadnej pripomienky. V pr\'ed pade, ak ministerstvo nevyhovie hromadnej pripomienke, \'9eiadame uskuto\'e8nenie rozporov\'e9ho konania, na ktor\'e9 bud\'fa p\'edsomne pozvan\'ed ni\'9e\'9aie uveden\'ed z\'e1stupcovia verejnosti: R\'f3bert Po\'f3r, SARM ( vzdelavanie@isarm.sk, Pova\'9e sk\'e1 17, 831 03 Bratislava 3 ) Tibor B\'f4rik, ( tibor.borik1@gmail.com, Rastislavova 61, 92101 Pie\'9a\'9dany ) Oliver Borko, SARM ( vzdelavanie@isarm.sk, A.Kme\'9da 155/30, 971 01 Prievidza ) Du\'9aan Smole\'f2\'e1k, (dsmolenak@gmail.com, Druidsk\'e1 899/1, 851 10 Bratislava ) Radovan Figura, ( radovan.figura@msig-europe.com, Komensk\'e9ho 1440/18, 900 01Modra ) Michal Bu\'e8ko, (michal.bucko@brokerhouse.sk, Bebravsk\'e1 13273/9, 821 07 Bratislava) Hromadn\'fa pripomienku m\'f4\'9eete podpori\'9d i Vy. http://www.changenet.sk/?section=kampane&x=924170 \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6173113 \par \par \par \par \par \par \par \'c8A\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid6173113 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6173113 \par \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid6173113\charrsid6173113 Vzh\'beadom na }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid6173113 mno\'9estvo navrhovan\'fdch zmien v\~jednej predlo\'9eenej pripomienke nie je mo\'9en\'e9 samostatne vyhodnoti\'9d v\'9aetky zmeny.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid6173113\charrsid6173113 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow202\irowband202\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SARM \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 57.}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line navrhujeme zavies\'9d len jednu/prv\'fa sk\'fa\'9aku pre ka\'9ed\'fd stupe\'f2 a sektor a zru\'9ai\'9d s\'fa\'e8asn\'e9 pravideln\'e9 sk\'fa\'9aky pre stredn\'fd, vy\'9a\'9a\'ed a najvy\'9a\'9a\'ed stupe\'f2 odbornej sp\'f4 sobilosti, ak osoba kontinu\'e1lne vykon\'e1va svoju \'e8innos\'9d bez preru\'9aenia a vzdel\'e1va sa kontinu\'e1lne. V bode 57. n\'e1vrhu novely v \'a7 22 ods. 2 navrhujeme upravi\'9d pre ka\'9ed\'fd stupe\'f2: \'84Fyzick\'e1 osoba, ktor\'e1 mus\'ed sp \'e5\'f2a\'9d po\'9eiadavky pre \'84ka\'9ed\'fd stupe\'f2\'93 stupe\'f2 odbornej sp\'f4sobilosti, je povinn\'e1 ka\'9edoro\'e8ne absolvova\'9d osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie. Fyzick\'e1 osoba mus\'ed pred registr\'e1ciou v registri v z\'e1 vislosti od podmienok preukazovania odbornej sp\'f4sobilosti \'faspe\'9ane vykona\'9d odborn\'fa sk\'fa\'9aku resp. odborn\'fa sk\'fa\'9aku s certifik\'e1tom.\'93 Od\'f4vodnenie: Nevid\'edme opodstatnen\'fd d\'f4vod na spr\'eds\'f2ovanie odbornej sp\'f4 sobilosti, ide o ne\'famern\'e9 za\'9da\'9eenie subjektov na trhu sprostredkovate\'beov (poistenia). T\'fato pripomienku pova\'9eujeme za z\'e1sadn\'fa. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15078887 \par \par \par \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid11039941 N}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15078887 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid11039941 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid11039941 \par \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid11039941\charrsid11039941 Pripomienka je nad r\'e1mec novely z\'e1kona.\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow203\irowband203\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SARM \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l.I bod 50}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line navrhujeme zavies\'9d rovnak\'e9 podmienky pre odborn\'fa sp\'f4sobilos\'9d pre VFA a PFA. Od\'f4vodnenie: Tento n\'e1vrh nepodporuje rovnos\'9d podmienok a hospod\'e1rsku s\'fa\'9da\'9e sprostredkovate\'be ov poistenia. Nevid\'edme \'9eiaden d\'f4vod, aby VFA mal in\'e9 odborn\'e9 sp\'f4sobilosti ako PFA (stredn\'fd stupe\'f2 odbornej sp\'f4sobilosti a vykonan\'e1 sk\'fa\'9aka). T\'fato pripomienku pova\'9eujeme za z\'e1sadn\'fa. \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12523197 \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow204\irowband204\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SASP \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 10. doplni\'9d nov\'fd bod \'c8l\'e1nku II novely: }{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 1. V \'a7 70 ods. 1 sa men\'ed p\'edsmeno b) a dop\'e5\'f2aj\'fa sa p\'edsmen\'e1 e) a\'9e j) a body 9 a\'9e 23, ktor\'e9 znej\'fa: b) poskytn\'fa\'9d neprofesion\'e1lnemu klientovi alebo potenci\'e1 lnemu neprofesion\'e1lnemu klientovi inform\'e1cie, ktor\'e9 s\'fa potrebn\'e9 na to, aby mohol spr\'e1vne porozumie\'9d charakteru a rizik\'e1m poistnej zmluvy a n\'e1sledne zodpovedne prija\'9d rozhodnutie t\'fdkaj\'face sa poistnej zmluvy, a to inform \'e1cie o pr\'e1vnych n\'e1sledkoch uzavretia poistne zmluvy a o sp\'f4soboch a syst\'e9me ochrany pred zlyhan\'edm pois\'9dovne alebo pobo\'e8ky zahrani\'e8nej pois\'9dovne, c) poskytn\'fa\'9d potenci\'e1lnemu klientovi \'efal\'9aie dodato\'e8n\'e9 inform\'e1cie s\'favisiace s uzavret\'edm poistnej zmluvy tak, aby mohol n\'e1sledne zodpovedne prija\'9d rozhodnutie t\'fdkaj\'face sa uzavretia poistnej zmluvy, e) poskytn\'fa\'9d potencion\'e1lnemu neprofesion\'e1lnemu klientovi jednozna\'e8ne presn \'fdm a zrozumite\'ben\'fdm sp\'f4sobom p\'edsomne alebo na inom trvanlivom m\'e9diu inform\'e1ciu o existencii a povahe odmeny vypl\'e1canej jej zamestnancom vo vz\'9dahu k uzatv\'e1ranej poistnej zmluve. Na z\'e1klade po\'9eiadavky klienta mus\'ed by \'9d klient jednozna\'e8ne, vy\'e8erp\'e1vaj\'facim, presn\'fdm a zrozumite\'ben\'fdm sp\'f4sobom informovan\'fd aj o v\'fd\'9ake odmeny; o tejto skuto\'e8nosti mus\'ed finan\'e8n\'e1 in\'9atit\'facia p\'edsomne informova\'9d klienta pred uzatvoren\'ed m poistnej zmluvy, f) informova\'9d potenci\'e1lneho klienta a klienta o v\'fd\'9ake poistn\'e9ho a akejko\'bevek platby inej ako poistn\'e9, ak ju m\'e1 klient po uzavret\'ed poistnej zmluvy plati\'9d, g) pri reklame a propag\'e1ci\'ed svojich poistn\'fd ch produktov poskytova\'9d pravdiv\'e9, jasn\'e9, preh\'beadn\'e9 a nezav\'e1dzaj\'face inform\'e1cie a presne ozna\'e8i\'9d, \'9ee sa jedn\'e1 o reklamu alebo propag\'e1ciu, h) ku ka\'9ed\'e9mu poistn\'e9mu produktu, ktor\'e9ho s\'fa tvorcom, vypracova \'9d informa\'e8n\'fd dokument o poistnom produkte pod\'bea osobitn\'e9ho predpisu28a). i) informova\'9d o postupe pri pod\'e1van\'ed s\'9da\'9enost\'ed a o osobitn\'fdch predpisoch39) upravuj\'facich mimos\'fadne vyrovnanie sporov vypl\'fdvaj\'fa cich z uzatvorenej poistnej zmluvy, j) predlo\'9ei\'9d informa\'e8n\'fd dokument o poistnom produkte, ... (9) Pois\'9dov\'f2a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2a z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ka pois\'9dovne z in \'e9ho \'e8lensk\'e9ho \'9at\'e1tu je povinn\'e1 zisti\'9d a zaznamena\'9d po\'9eiadavky a potreby klienta, jeho sk\'fasenosti a znalosti t\'fdkaj\'face sa pr\'edslu\'9anej poistnej zmluvy a inform\'e1cie o jeho finan\'e8nej situ\'e1cii, a to s oh\'be adom na povahu poistnej zmluvy, ktor\'e1 je predmetom ponuky poistenia. Pri ponuke poistenia investi\'e8n\'fdch produktov zalo\'9een\'fdch na poisten\'ed je pois\'9dov\'f2a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2a z in\'e9ho \'e8lensk\'e9 ho \'9at\'e1tu a pobo\'e8ka pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu povinn\'e1 zisti\'9d aj inform\'e1cie, t\'fdkaj\'face sa schopnosti klienta zn\'e1\'9aa\'9d straty a inform\'e1cie o investi\'e8n\'fdch cie\'beoch klienta vr\'e1 tane jeho odolnosti vo\'e8i riziku, aby tak pois\'9dov\'f2a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2a z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ka pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu mohla klientovi odporu\'e8i\'9d investi\'e8n\'e9 produkty zalo\'9een\'e9 na poisten\'ed, ktor\'e9 s\'fa pre neho vhodn\'e9 a ktor\'e9 predov\'9aetk\'fdm zodpovedaj\'fa postoju klienta k riziku a schopnosti zn\'e1\'9aa\'9d straty. Na po\'9eiadanie pois\'9dovne, pobo\'e8ky zahrani\'e8 nej pois\'9dovne, pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ky pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu je klient povinn\'fd p\'edsomne alebo na inom trvanlivom m\'e9diu potvrdi\'9d jej splnenie povinnost\'ed pod\'be a druhej vety alebo tretej vety. (10) Ak ide o profesion\'e1lneho klienta v zmysle osobitn\'e9ho predpisu, pois\'9dov\'f2a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2a z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ka pois\'9dovne z in\'e9 ho \'e8lensk\'e9ho \'9at\'e1tu je opr\'e1vnen\'e1 predpoklada\'9d, \'9ee tento klient m\'e1 potrebn\'fa \'farove\'f2 sk\'fasenost\'ed a znalost\'ed, ktor\'e9 mu umo\'9e\'f2uj\'fa porozumie\'9d rizik\'e1m s\'favisiacim s pr\'edslu\'9a nou poistnou zmluvou a tieto rizik\'e1 je schopn\'fd finan\'e8ne zvl\'e1dnu\'9d. (11) Pois\'9dov\'f2a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2a z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ka pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9a t\'e1tu je povinn\'e1 na z\'e1klade inform\'e1ci\'ed zisten\'fdch pod\'bea odseku 9 poskytn\'fa\'9d klientovi odborn\'fa pomoc, inform\'e1cie a odpor\'fa\'e8ania, ktor\'e9 s\'fa pre neho vhodn\'e9 s oh\'beadom na inform\'e1cie zisten\'e9 pod\'be a odseku 9. (12) Ak pois\'9dov\'f2a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2a z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ka pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu nezist\'ed inform\'e1cie pod\'be a odseku 9, nesmie klientovi pon\'faknu\'9d uzavretie poistnej zmluvy; to neplat\'ed, ak klient preuk\'e1zate\'bene odmietne poskytn\'fa\'9d inform\'e1cie pod\'bea odseku 9 a trv\'e1 na uzavret\'ed poistnej zmluvy. (13) Ak pois\'9dov\'f2a, pobo\'e8 ka zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2a z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ka pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu vyhodnot\'ed na z\'e1klade inform\'e1ci\'ed pod\'bea odseku 9, \'9ee poistn\'e1 zmluva je pre klienta vhodn\'e1, predlo\'9e\'ed klientovi vyhl\'e1senie o vhodnosti p\'edsomne alebo na inom trvanlivom m\'e9diu. Ak pois\'9dov\'f2a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2a z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo \'e8ka pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu vyhodnot\'ed na z\'e1klade inform\'e1ci\'ed pod\'bea odseku 9, \'9ee finan\'e8n\'e1 slu\'9eba nie je pre klienta vhodn\'e1, upozorn\'ed na t\'fato skuto\'e8nos\'9d klienta p\'ed somne alebo na inom trvanlivom m\'e9diu. (14) Inform\'e1cie uveden\'e9 v odseku 1, ktor\'e9 poskytuje pois\'9dov\'f2a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2a z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ka pois\'9dovne z in\'e9ho \'e8 lensk\'e9ho \'9at\'e1tu klientovi alebo potenci\'e1lnemu klientovi, musia by\'9d a) p\'edsomn\'e9 alebo na trvanlivom m\'e9diu alebo poskytnut\'e9 prostredn\'edctvom webov\'e9ho s\'eddla, b) \'fapln\'e9, presn\'e9, pravdiv\'e9, zrozumite\'ben\'e9 , jednozna\'e8n\'e9, preh\'beadn\'e9 a nezav\'e1dzaj\'face, c) poskytnut\'e9 v slovenskom jazyku alebo v inom dohodnutom jazyku (15) Inform\'e1cie uveden\'e9 v odseku 1 mo\'9eno poskytn\'fa\'9d prostredn\'edctvom webov\'e9ho s\'eddla, ak je ur\'e8en\'e9 osobitne pre klienta alebo ak s\'fa splnen\'e9 tieto podmienky: a) poskytnutie t\'fdchto inform\'e1ci\'ed prostredn\'edctvom webov\'e9ho s\'eddla je vhodn\'e9 s oh\'beadom na kontakt medzi pois\'9dov\'f2ou, pobo\'e8kou zahrani\'e8nej pois\'9dovne, pois \'9dov\'f2ou z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8kou pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a klientom, b) klient s\'fahlasil s poskytnut\'edm t\'fdchto inform\'e1ci\'ed prostredn\'edctvom webov\'e9ho s\'ed dla, c) klient bol elektronicky informovan\'fd o adrese webov\'e9ho s\'eddla a o mieste na webovom s\'eddle, kde mo\'9eno z\'edska\'9d pr\'edstup k t\'fdmto inform\'e1ci\'e1m, d) je zabezpe\'e8en\'e9, \'9ee tieto inform\'e1cie s\'fa k dispoz\'ed cii na webovom s\'eddle primerane dlho na to, aby sa s nimi klient mohol obozn\'e1mi\'9d. (16) Poskytovanie inform\'e1ci\'ed pod\'bea odseku 1 s pou\'9eit\'edm in\'e9ho trvanliv\'e9ho m\'e9dia ne\'9e je p\'edsomn\'e1 forma alebo prostredn\'edctvom webov \'e9ho s\'eddla je mo\'9en\'e9 len v pr\'edpade, ak klient poskytol na tieto \'fa\'e8ely e-mailov\'fa adresu. (17) Ak s\'fa inform\'e1cie adresovan\'e9 neprofesion\'e1lnemu klientovi alebo potenci\'e1lnemu neprofesion\'e1lnemu klientovi, a) musia by\'9d presn\'e9 a nesm\'fa zd\'f4raz\'f2ova\'9d \'9eiadne potenci\'e1lne v\'fdhody poistnej zmluvy bez toho, aby z\'e1rove\'f2 presne a v\'fdrazne nepouk\'e1zali na ak\'e9ko\'bevek s\'favisiace rizik\'e1, b) musia by\'9d predkladan\'e9 tak\'fdm sp\'f4 sobom, o ktorom mo\'9eno predpoklada\'9d, \'9ee mu porozumie klient, ktor\'e9mu s\'fa inform\'e1cie ur\'e8en\'e9 alebo ktor\'fd bude ich pravdepodobn\'fdm pr\'edjemcom, c) nesm\'fa zaml\'e8ova\'9d alebo znejas\'f2ova\'9d d\'f4le\'9eit\'e9 skuto\'e8 nosti, vyhl\'e1senia alebo varovania a ani zni\'9eova\'9d ich v\'fdznam. (18) Ak ide o neprofesion\'e1lneho klienta, inform\'e1cie musia by\'9d poskytnut\'e9 v dostato\'e8nom \'e8asovom predstihu pred uzavret\'edm poistnej zmluvy na trvanlivom m\'e9 diu alebo prostredn\'edctvom internetovej str\'e1nky. (19) Povinnos\'9d poskytn\'fa\'9d inform\'e1cie na trvanlivom m\'e9diu sa pova\'9euje za splnen\'fa, ak sa inform\'e1cie poskytuj\'fa na inom trvanlivom m\'e9diu, ako je p\'edsomn\'e1 forma, ak a) poskytovanie inform\'e1ci\'ed na tomto trvanlivom m\'e9diu je vhodn\'e9 vzh\'beadom na okolnosti, za ktor\'fdch sa poistn\'e1 zmluva poskytuje neprofesion\'e1lnemu klientovi, b) si neprofesion\'e1lny klient z ponuky poskytnutia inform\'e1ci \'ed v p\'edsomnej forme alebo na inom trvanlivom m\'e9diu vopred zvolil t\'fato formu poskytnutia inform\'e1ci\'ed. (20) V inform\'e1ci\'e1ch poskytovan\'fdch klientom alebo potenci\'e1lnym klientom sa nesmie pou\'9e\'edva\'9d n\'e1zov N\'e1rodn\'e1 banka Slovenska ani n\'e1zov \'9eiadneho in\'e9ho pr\'edslu\'9an\'e9ho org\'e1nu sp\'f4sobom, ktor\'fd by vytv\'e1ral myln\'fd dojem, \'9ee tento org\'e1n podporil alebo schv\'e1lil poistn\'e9 slu\'9eby poskytovan\'e9 pois\'9dov\'f2ou, pobo\'e8 kou zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2ou z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8kou pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu. (21) Ak sa inform\'e1cie poskytovan\'e9 neprofesion\'e1lnemu klientovi alebo potenci\'e1 lnemu neprofesion\'e1lnemu klientovi odvol\'e1vaj\'fa na konkr\'e9tny da\'f2ov\'fd re\'9eim, mus\'ed v nich by\'9d v\'fdslovne uveden\'e9, \'9ee da\'f2ov\'fd re\'9eim z\'e1vis\'ed od individu\'e1lnej situ\'e1cie klienta a v bud\'facnosti sa m\'f4\'9e e zmeni\'9d. (22) Povinnos\'9d poskytn\'fa\'9d inform\'e1cie sa nevz\'9dahuje na poistenie ve\'bek\'fdch riz\'edk. (23) Ustanoveniami odsekov 1 a 9 a\'9e 22 nie s\'fa dotknut\'e9 ustanovenia osobitn\'fdch predpisov upravuj\'face poskytovanie inform\'e1ci \'ed. Od\'f4vodnenie: Navrhujeme doplni\'9d z\'e1kon \'e8. 39/2015 Z.z. o pois\'9dovn\'edctve a o zmene a doplnen\'ed niektor\'fdch z\'e1konov v znen\'ed neskor\'9a\'edch predpisov o povinnosti rovnocenn\'e9 s v\'fdkonom finan\'e8n\'e9 ho sprostredkovania, a to najm\'e4 o zapracovanie nasledovn\'fdch povinnost\'ed, ktor\'e9 by sa mali rovnako vz\'9dahova\'9d na pracovn\'edkov finan\'e8n\'fdch in\'9atit\'faci\'ed pon\'fakaj\'facich poistenie: - \'a7 33 z\'e1kona \'e8 . 186/2009 Z.z. v rozsahu inform\'e1ci\'ed poskytovan\'fdch priamo o poistnom produkte po zapracovan\'ed novely (v zmysle ods. 3, ods. 4 p\'edsm. e), f), ods. 7 a\'9e 20 primerane), - \'a7 35 z\'e1kona \'e8. 186/2009 Z.z., - \'a7 37b z\'e1kona \'e8 . 186/2009 Z.z. (bod 96 novely), - \'a7 37d z\'e1kona \'e8. 186/2009 Z.z. (bod 96 novely). Smernica o distrib\'facii poistenia stanovuje, aby klient mal k dispoz\'edcii porovnate\'ben\'e9 inform\'e1cie o poistnom produkte a postupe distrib\'fa tora poistenia bez oh\'beadu na to, ktor\'fd distribu\'e8n\'fd kan\'e1l vyu\'9eije. S prihliadnut\'edm na t\'fato skuto\'e8nos\'9d je potrebn\'e9, aby aj pracovn\'edci pois\'9dovne v r\'e1mci procesu uzatv\'e1rania poistnej zmluvy zis\'9dovali, \'e8 i poistn\'fd produkt je pre klienta a jeho aktu\'e1lne potreby vhodn\'fd a poskytovali mu \'efal\'9aie inform\'e1cie o poistnom produkte tak, aby klient vedel prija\'9d \'e8o najkvalifikovanej\'9aie rozhodnutie. \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12523197 N}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid12193181 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid12193181 Navrhovan\'e1 pripomienka je rie\'9aen\'e1 odkazom v\~\'e8l. II bod 2}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid11534826 .}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow205\irowband205\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SASP \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 k celej novele z\'e1kona \'e8. 186.2009 Z.z.}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 1. Nedostato\'e8n\'e9 zavedenie jednotnosti distribu\'e8n\'fdch kan\'e1lov Novela pod\'bea n\'e1\'9aho n\'e1zoru nedostato\'e8ne spracov\'e1va po\'9eiadavku Smernice o distrib\'fa cii poistenia tak, aby klientovi bol bez oh\'beadu na to, ktor\'fd distribu\'e8n\'fd kan\'e1l sa rozhodne vyu\'9ei\'9d, poskytnut\'fd rovnak\'fd rozsah inform\'e1ci\'ed o finan\'e8nom produkte resp. aby boli jeho po\'9eiadavky a potreby posudzovan\'e9 rovnako. Jedna z k\'be\'fa\'e8ov\'fdch po\'9eiadaviek Smernice o distrib\'facii poistenia teda nie je v s\'fa\'e8asnej podobe novelou dostato\'e8ne zapracovan\'e1. Zavedenie in\'9atit\'fatu sprostredkovate\'bea doplnkov\'e9ho poistenia pova\'9e ujeme za nedostato\'e8ne legislat\'edvne dopracovan\'e9. Navrhovan\'e1 pr\'e1vna \'faprava tohto in\'9atit\'fatu pod\'bea n\'e1\'9aho n\'e1zoru nenap\'e5\'f2a ciele sledovan\'e9 Smernicou o distrib\'facii poistenia. Ver\'edme, \'9ee nami prezentovan\'e9 n \'e1vrhy v r\'e1mci novely bude mo\'9en\'e9 s Vami prediskutova\'9d v najbli\'9e\'9aej dobe aj osobne, a to \'e8i u\'9e na bilater\'e1lnom stretnut\'ed alebo v r\'e1mci spolo\'e8n\'fdch pracovn\'fdch skup\'edn. S prihliadnut\'edm na vy\'9a\'9aie uveden \'e9 skuto\'e8nosti ver\'edme, \'9ee spolo\'e8n\'fdm \'fasil\'edm sa n\'e1m podar\'ed prija\'9d vyv\'e1\'9een\'e9 znenie novely. V pr\'edpade ak\'fdchko\'bevek \'efal\'9a\'edch ot\'e1zok s\'favisiacich s na\'9aimi pripomienkami a podnetmi sme V\'e1 m plne k dispoz\'edcii. Ver\'edme, \'9ee problematike sa budeme venova\'9d aj na osobnom stretnut\'ed. 2. Ne\'fapln\'e1 pr\'e1vna \'faprava osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania Pova\'9eujeme za nespr\'e1vne, \'9ee v s\'fa vislosti s novelou 186/2009 Z.z. nie je z\'e1rove\'f2 predkladan\'fd v\'9aeobecne z\'e1v\'e4zn\'fd pr\'e1vny predpis, ktor\'fd m\'e1 v tejto veci vyda\'9d Ministerstvo financi\'ed SR. V s\'fa\'e8asnosti tak nie je mo\'9en\'e9 komplexne pos\'fadi\'9d, ak o bude osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie v praxi vyzera\'9d. Do takto pripravovan\'e9ho v\'9aeobecne z\'e1v\'e4zn\'e9ho pr\'e1vneho predpisu z\'e1rove\'f2 odpor\'fa\'e8ame doplni\'9d aj mechanizmus, na z\'e1klade ktor\'e9ho bude mo\'9en\'e9 v individu\'e1lnych pr\'edpadoch posudzova\'9d a uzn\'e1va\'9d aj osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie u organiz\'e1ci\'ed p\'f4sobiacich v zahrani\'e8\'ed, u ktor\'fdch nepredpoklad\'e1me, \'9ee bud\'fa prech\'e1dza\'9d registra\'e8n\'fd m procesom v zmysle z\'e1kona \'e8. 186/2009 Z.z. Z\'e1rove\'f2 tie\'9e pova\'9eujeme za nespr\'e1vne, \'9ee spolu s novelou z\'e1kona \'e8. 186/2009 Z.z. nie je zverejnen\'fd nov\'fd n\'e1vrh vyhl\'e1\'9aky, ktor\'e1 by upravovala nov\'fd obsah osobitn \'e9ho finan\'e8n\'e9ho vzdel\'e1vania. 3. Pr\'e1vna \'faprava pois\'9dovacieho makl\'e9ra V konzult\'e1ci\'e1ch s Ministerstvom financi\'ed SR sme predlo\'9eili n\'e1vrh pr\'e1vnej \'fapravy pois\'9dovacieho makl\'e9ra. Je pre n\'e1s sklaman\'edm, \'9e e Ministerstvo financi\'ed SR nemalo \'9eiadny z\'e1ujem o tejto t\'e9me diskutova\'9d a z predlo\'9eenej novely je zrejm\'e9, \'9ee tento n\'e1vrh pova\'9euje Ministerstvo financi\'ed SR za neaktu\'e1lny. Mrz\'ed n\'e1s, \'9ee Ministerstvo financi\'ed SR absol\'fatne nereagovalo na n\'e1\'9a n\'e1vrh, ktor\'fd mohol v sektore poistenia alebo zaistenia vr\'e1ti\'9d pois\'9dovacieho makl\'e9ra op\'e4\'9d do aplika\'e8nej praxe, \'e8o by posilnilo klientovu ochranu na poistnom trhu v mo\'9enosti ma\'9d komplexn\'fd servis sprostredkovania s poradenstvom. Tento postup Ministerstva financi\'ed SR pova\'9eujeme za prem\'e1rnen\'fa pr\'edle\'9eitos\'9d. 4. Nekoncep\'e8n\'e1 pr\'edprava n\'e1vrhu novely Pova\'9eujeme za ne\'9a\'9dastn\'e9, \'9e e na medzirezortn\'e9 pripomienkov\'e9 konanie bola jednotliv\'fdm subjektom stanoven\'e1 ve\'bemi kr\'e1tka lehota a naviac po\'e8as dovolenkov\'e9ho obdobia. Novela v\'fdrazne men\'ed samotn\'e9 znenie z\'e1kona \'e8. 186/2009 Z.z. a prin\'e1\'9aa vy \'9ae 100 zmien. Tak\'fato kr\'e1tku dobu na pripomienkovanie pova\'9eujeme za nevhodn\'fa aj s prihliadnut\'edm na to, \'9ee novela men\'ed z\'e1kon \'e8. 186/2009 Z.z. na viacero rokov. Na namodelovanie v\'9aetk\'fdch novelou zav\'e1dzan\'fdch in\'9atit \'fatov v praxi tak jednotliv\'fdm pripomienkuj\'facim subjektom neost\'e1va ve\'bea \'e8asu a nie je mo\'9en\'e9 vyl\'fa\'e8i\'9d, \'9ee pre kr\'e1tkos\'9d \'e8asu sa niektor\'e9 probl\'e9my novely podar\'ed odhali\'9d a\'9e v aplika\'e8 nej praxi po prijat\'ed novely, \'e8o ur\'e8ite nie je \'9eelate\'ben\'fd stav. Pri pr\'edprave novely sme \'9eiadali o zriadenie pracovn\'fdch skup\'edn, ktor\'e9 by jednotliv\'e9 citliv\'e9 ot\'e1zky novely spolo\'e8ne prediskutovali. Tak\'e9 to stretnutia pracovn\'fdch skup\'edn v\'9aak neboli ani raz zvolan\'e9 a jednotliv\'e9 asoci\'e1cie/subjekty tak \'e8asto posudzovali jednotliv\'e9 ot\'e1zky len parci\'e1lne, zo svojho poh\'beadu. Z\'e1rove\'f2 tak bolo znemo\'9enen\'e9 h\'beada\'9d ak \'e9ko\'bevek spolo\'e8n\'e9 rie\'9aenia, \'e8o pova\'9eujeme bohu\'9eia\'be za v\'fdrazn\'e9 negat\'edvum. Ver\'edme, \'9ee nami prezentovan\'e9 n\'e1vrhy v r\'e1mci novely bude mo\'9en\'e9 s Vami prediskutova\'9d v najbli\'9e\'9aej dobe aj osobne, a to \'e8i u\'9e na bilater\'e1lnom stretnut\'ed alebo v r\'e1mci spolo\'e8n\'fdch pracovn\'fdch skup\'edn. S prihliadnut\'edm na vy\'9a\'9aie uveden\'e9 skuto\'e8nosti ver\'edme, \'9ee spolo\'e8n\'fdm \'fasil\'edm sa n\'e1m podar\'ed prija\'9d vyv\'e1\'9een \'e9 znenie novely. V pr\'edpade ak\'fdchko\'bevek \'efal\'9a\'edch ot\'e1zok s\'favisiacich s na\'9aimi pripomienkami a podnetmi sme V\'e1m plne k dispoz\'edcii. Ver\'edme, \'9ee problematike sa budeme venova\'9d aj na osobnom stretnut\'ed. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid11534826 \par \par N \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid11534826 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid11534826 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid11534826 Navrhovan\'e1 pripomienka nem\'e1 charakter z\'e1sadnej pripomienky.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid11534826\charrsid11534826 \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow206\irowband206\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SASP \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 1. bod 5 \'c8l\'e1nku I novely: }{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Bod 5 navrhujeme zmeni\'9d nasledovne (zmeny doplnen\'e9): V \'a7 1 ods. 3 p\'edsm. b) znie: b) sprostredkovate\'bea doplnkov\'e9ho poistenia, ak s\'fa s\'fa\'e8asne splnen\'e9 tieto podmienky: 1. poistenie je doplnkom tovaru alebo slu\'9eby dodanej poskytovate\'beom, ak tak\'e9to poistenie kryje 1a. riziko poruchy, straty alebo po\'9akodenia tovaru, alebo nevyu\'9eitia slu\'9eby poskytnutej t\'fdmto poskytovate\'be om YY, alebo 1b. po\'9akodenie alebo stratu bato\'9einy a in\'e9 rizik\'e1 spojen\'e9 s cestovan\'edm objednan\'fdm u tohto poskytovate\'bea 2. v\'fd\'9aka poistn\'e9ho zaplaten\'e9ho za poistn\'fd produkt nepresahuje 600 EUR vypo\'e8\'edtan\'fd ch pomerne z ro\'e8n\'e9ho z\'e1kladu, 3. odchylne od bodu 2, ak poistenie je doplnkov\'e9 k slu\'9ebe uvedenej v bode 1 a trvanie tejto slu\'9eby nepresahuje tri mesiace, zaplaten\'e9 poistn\'e9 na osobu nepresahuje 200 EUR. V tomto pr\'ed pade sprostredkovate\'be doplnkov\'e9ho poistenia nie je povinn\'fd sp\'e5\'f2a\'9d \'9eiadne \'efal\'9aie povinnosti vypl\'fdvaj\'face z tohto z\'e1kona, s v\'fdnimkou z\'e1pisu do registra a informa\'e8n\'fdch povinnost\'ed v zmysle ust. \'a7 31 a\'9e \'a7 37c tohto z\'e1kona.\'93 Pozn\'e1mka pod \'e8iarou k odkazu yy znie: yy) najm\'e4 poistn\'e9 produkty v zmysle Pr\'edloha \'e8. 1 \'e8as\'9d A bod 3, bod 7, bod 10 p\'edsm. a), bod 14 p\'edsm. b) a c), bod 17 a bod 18) k z\'e1konu \'e8 . 39/2015 Z.z. Od\'f4vodnenie: z navrhovan\'e9ho znenia novely pod\'bea n\'e1\'9aho n\'e1zoru vypl\'fdva, \'9ee sprostredkovate\'be doplnkov\'e9ho poistenia bude povinn\'fd sp\'e5\'f2a\'9d podmienky pre v\'fdkon finan\'e8n\'e9 ho sprostredkovania (v zmysle \'a7 11c ods. 2 a 3) bez oh\'beadu na to, \'e8i bude poskytova\'9d poistenie v zmysle navrhovan\'e9ho znenia \'a7 1 ods. 3 p\'edsm. b) alebo nie. Ustanovenia bodu 1a. navrhujeme z d\'f4vodu pr\'e1vnej neistoty previaza\'9d s konkr\'e9tnymi poistn\'fdmi produktami v zmysle pr\'edlohy \'e8. 1 k z\'e1kona \'e8. 39/2015 Z.z. o pois\'9dovn\'edctve a o zmene a doplnen\'ed niektor\'fdch z\'e1konov v znen\'ed neskor\'9a\'edch predpisov. \'da\'e8elom zavedenia in\'9atit\'fa tu sprostredkovate\'bea doplnkov\'e9ho poistenia malo by\'9d, \'9ee tak\'fdto subjekt bude povinn\'fd poskytova\'9d klientovi rozsah inform\'e1ci\'ed pri poskytovan\'ed poistenia, ktor\'fd bude porovnate\'ben\'fd s in\'fdmi distribu\'e8n\'fdmi kan\'e1 lmi, bude v\'9aak z\'e1rove\'f2 osloboden\'fd od niektor\'fdch administrat\'edvnych povinnost\'ed a nebude musie\'9d sp\'e5\'f2a\'9d niektor\'e9 z\'e1konn\'e9 povinnosti a p\'f4jde celkovo o zjednodu\'9aen\'fd v\'fdkon finan\'e8n\'e9 ho sprostredkovania. Navrhovan\'e1 pr\'e1vna \'faprava sprostredkovate\'bea doplnkov\'e9ho poistenia str\'e1ca z\'e1kladn\'fd zmysel a \'fa\'e8el prijatia pr\'e1vnej \'fapravy sprostredkovate\'bea doplnkov\'e9ho poistenia a tak\'e1to transpoz\'ed cia nesleduje \'fa\'e8el sledovan\'fd Smernicou o distrib\'facii poistenia. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9962829 \par \par \par \par N \par \par \par \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid9962829 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid9962829 \par \par \par \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid9962829\charrsid1931110 Jedn\'e1 sa o\~\'faplne vyl\'fa\'e8en\'e9}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid9962829 subjekty. Sprostredkovate\'be doplnkov\'e9 ho poistenie je upraven\'fd v\~ustanoven\'ed \'a7 33 ods. 14.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow207\irowband207\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SASP \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 9. bod 84 \'c8l\'e1nku I novely: }{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhovan\'e9 znenie: V \'a7 33 ods. 4 p\'edsm. f) znie: f) v\'fd\'9aku ak\'fdchko\'bevek platieb za finan\'e8n\'fa slu\'9ebu a in\'fdch ako be\'9en\'fdch platieb za finan\'e8n\'fa slu\'9ebu spolu s inform\'e1ciou o ka\'9e dej takejto platbe Od\'f4vodnenie: s\'fa\'e8asn\'e9 znenie navrhujeme doplni\'9d o novelou dopl\'f2ovan\'e9 \'fadaje. S\'fa\'e8asn\'fa pr\'e1vnu \'fapravu navrhujeme za praxou osved\'e8en\'fa a navrhujeme s\'fa\'e8asne platn\'e9 povinnosti doplni\'9d o navrhovan\'e9 znenie v zmysle novely. Je d\'f4le\'9eit\'e9, aby bol klient informovan\'fd jednak o z\'e1kladn\'fdch platb\'e1ch s\'favisiacich s finan\'e8nou slu\'9ebou tak ako tomu je v s\'fa\'e8asnosti, ako aj v novele navrhovan\'fdch in\'fdch ako be \'9en\'fdch platb\'e1ch. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4989409 N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid14425629 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14425629 V\~predmetnom p\'edsmene ustanovenia s\'fa upraven\'e9 pr\'e1ve in\'e9 platby ako samotn\'e9 platby za finan\'e8n\'fa slu\'9ebu.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow208\irowband208\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SASP \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 11. K bodu 61 \'e8l\'e1nku I novely }{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme doplni\'9d \'a7 22a ods. 1 a ods. 13 (doplnenie zapracovan\'e9) 61. Za \'a7 22 sa vklad\'e1 \'a7 22a , ktor\'fd vr\'e1tane nadpisu znie: \'84\'a7 22a Osobitn\'e9 finan\'e8n\'e9 vzdel\'e1 vanie (1) Osobitn\'fdm finan\'e8n\'fdm vzdel\'e1van\'edm sa na \'fa\'e8ely tohto z\'e1kona rozumej\'fa \'9akolenia, kurzy a in\'e9 formy a met\'f3dy vzdel\'e1vania, ktor\'fdch \'fa\'e8elom je zabezpe\'e8i\'9d pre osobu, ktor\'e1 ich absolvovala, dostato \'e8n\'fa informovanos\'9d o finan\'e8n\'fdch slu\'9eb\'e1ch, zlep\'9ai\'9d kvalitu jej teoretick\'fdch znalost\'ed a praktick\'fdch schopnost\'ed potrebn\'fdch na vykon\'e1vanie \'e8innost\'ed, ktor\'fdch obsahom je finan\'e8n\'e9 sprostredkovanie alebo finan\'e8n\'e9 poradenstvo. ... (13) Poskytovate\'be osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania je povinn\'fd a) sp\'e5\'f2a\'9d podmienky na z\'e1pis do registra poskytovate\'beov nepretr\'9eite po\'e8as celej doby z\'e1 pisu v registri poskytovate\'beov, b) informova\'9d N\'e1rodn\'fa banku Slovenska bez zbyto\'e8n\'e9ho odkladu o akejko\'bevek zmene v skuto\'e8nostiach, ktor\'e9 s\'fa posudzovan\'e9 v n\'e1vrhu na z\'e1pis do registra poskytovate\'be ov a to spolu s dokladom preukazuj\'facim nov\'fa skuto\'e8nos\'9d, c) vo v\'9aetk\'fdch sektoroch, v ktor\'fdch je opr\'e1vnen\'fd vykon\'e1va\'9d osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie, uskuto\'e8ni\'9d osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie aspo \'f2 raz za kalend\'e1rny rok, , d) term\'edny konania osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania najmenej v rozsahu d\'e1tum, miesto, \'e8as, stupne a sektory, v ktor\'fdch sa bude osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie poskytova\'9d, zverej\'f2ova \'9d na svojom webovom s\'eddle najnesk\'f4r 15 kalend\'e1rnych dn\'ed pred uskuto\'e8nen\'edm osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania, e) do 15 pracovn\'fdch dn\'ed od uskuto\'e8nenia osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania nahl\'e1si\'9d \'fa\'e8astn\'edkov, ktor\'ed osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie absolvovali, do zoznamu os\'f4b pod\'bea \'a7 22 ods. 9 prvej vety, a to v rozsahu meno, priezvisko, trval\'fd pobyt, rodn\'e9 \'e8\'edslo, d\'e1tum absolvovania osobitn\'e9ho finan \'e8n\'e9ho vzdel\'e1vania, stupe\'f2 a sektory, v ktor\'fdch bolo osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie absolvovan\'e9; nahlasovan\'e9 \'fadaje musia by\'9d pravdiv\'e9 a \'faplne. Od\'f4vodnenie: Formy vzdel\'e1vania presne \'9apecifikuje z\'e1kon \'e8. 245/2008 Z.z. v platnom znen\'ed, ktor\'fd formy vzdel\'e1vania definuje ako denn\'e1, extern\'e1, di\'9atan\'e8n\'e1 forma a pod. Defin\'edciu navrhujeme doplni\'9d aj o pojem met\'f3dy, ktor\'fd odkazuje na \'9akolenia a kurzy, workshopy a po d. Vykon\'e1vanie vzdel\'e1vania raz za polrok vo v\'9aetk\'fdch sektoroch pova\'9eujeme za zbyto\'e8n\'fa administrat\'edvnu z\'e1\'9da\'9e, najm\'e4 pre men\'9aie a \'9apecializovan\'e9 spolo\'e8nosti a vytv\'e1ra tlak na pr\'edli\'9an\'fa uniformitu a koncentr\'e1ciu v\'fdkonu t\'fdchto \'9akolen\'ed prostredn\'edctvom men\'9aieho po\'e8tu v\'e4\'e8\'9a\'edch spolo\'e8nosti. Radi by sme vzdel\'e1vanie ponechali \'e8o najotvorenej\'9aie r\'f4znym form\'e1m a sp\'f4sobom. P\'e4\'9d d\'f2ov \'fa lehotu na reportovanie pova\'9eujeme za neod\'f4vodnene kr\'e1tku a nem\'e1 \'9eiadny v\'fdznam z poh\'beadu ochrany klienta alebo plnenia si z\'e1konn\'fdch povinnost\'ed. Odpor\'fa\'e8ame lehotu pred\'e5\'9ei\'9d na \'9atandardn\'fa lehotu 15 pracovn\'fdch dn\'ed. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3160573 \par \par \par \par \par \'c8A \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid3160573 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3160573 \par \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid3160573 Predkladate\'be akceptoval len niektor\'e9 z\~navrhovan\'fdch zmien.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid3160573\charrsid3160573 \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow209\irowband209\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SASP \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 6. bod 76, 79 a 80 \'c8l\'e1nku I novely: }{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme vypusti\'9d cel\'e9 body 76, 79 a 80 novely. Od\'f4vodnenie: s\'fa\'e8asn\'fd pr\'e1vny stav nesp\'f4soboval po\'e8as sedem ro\'e8n\'e9ho p\'f4sobenia ak\'e9ko\'bevek aplika\'e8n\'e9 probl\'e9my. Z d \'f4vodu novej pr\'e1vne \'fapravy m\'f4\'9ee nieko\'beko n\'e1sobne nar\'e1s\'9d ka\'9edoro\'e8ne platen\'e9 poistn\'e9 bez oh\'beadu na samotn\'fa rizikovos\'9d v\'fdkonu \'e8innosti finan\'e8n\'e9ho sprostredkovania zo strany jednotliv\'fdch samostatn \'fdch finan\'e8n\'fdch agentov. U\'9e v s\'fa\'e8asnosti pois\'9dovne d\'f4kladne posudzuj\'fa rizikovos\'9d finan\'e8n\'fdch agentov a po\'e8et spolupracuj\'facich podriaden\'fdch finan\'e8n\'fdch agentov pri uzatv\'e1ran\'ed poistenia. Navrhovan\'e9 znenie v\'9aak m\'f4\'9ee vies\'9d k v\'fdrazn\'e9mu n\'e1rastu poistn\'e9ho platen\'e9ho za poistenie zodpovednosti za \'9akodu v zmysle ust. \'a7 30 z\'e1kona \'e8. 186/2009 Z.z. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid7495529 A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow210\irowband210\ltrrow \ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SASP \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 4. bod 65 \'c8l\'e1nku I novely: }{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme vypusti\'9d cel\'fd bod 65 novely. Od\'f4vodnenie: nem\'e1me inform\'e1cie o tom, \'9ee by s\'fa\'e8asn\'fd pr\'e1vny stav sp\'f4soboval v praxi ak\'e9ko\'bevek aplika\'e8n\'e9 probl\'e9my. V pr\'edpade, \'9e e odborn\'e9ho garanta mus\'ed zriadi\'9d ka\'9ed\'fd aj podriaden\'fd finan\'e8n\'fd agent alebo viazan\'fd finan\'e8n\'fd agent, ide o zbyto\'e8n\'e9 administrat\'edvne opatrenie, ktor\'e9 pri spolo\'e8nostiach s jedn\'fdm konate\'beom a spolo\'e8n\'ed kom bez zamestnancov bude \'e8isto form\'e1lneho charakteru. Z\'e1rove\'f2 \'faprava zamedzuje tomu, aby kvalifikovane zdatn\'e1 osoba s dostato\'e8n\'fdmi sk\'fasenos\'9dami vykon\'e1vala \'e8innos\'9d odborn\'e9ho garanta pre viacer\'fdch podriaden\'fd ch finan\'e8n\'fdch agentov alebo viazan\'fdch finan\'e8n\'fdch agentov, \'e8o nepova\'9eujeme za spr\'e1vne. Vy\'9akolenie nov\'fdch odborn\'fdch garantov pre podriaden\'fdch finan\'e8n\'fdch agentov alebo viazan\'fdch finan\'e8n\'fd ch agentov je ekonomicky n\'e1ro\'e8n\'e9 a v niektor\'fdch pr\'edpadoch bude vies\'9d k zv\'fd\'9aeniu n\'e1kladov na za\'9akolenie nov\'fdch odborn\'fdch garantov bez primeran\'fdch sk\'fasenost\'ed, a teda d\'f4jde k zv\'fd\'9aeniu n\'e1 kladov pre podriaden\'fdch finan\'e8n\'fdch agentov alebo viazan\'fdch finan\'e8n\'fdch agentov a z\'e1rove\'f2 zn\'ed\'9eeniu v\'fdkonu kvality kontroly oproti s\'fa\'e8asn\'e9mu stavu. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15950046 \par \par \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow211\irowband211\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SASP \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 5. bod 73 \'c8l\'e1nku I novely: }{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme vypusti\'9d cel\'fd bod 73 novely. Od\'f4vodnenie: s\'fa\'e8asn\'e1 pr\'e1vna \'faprava umo\'9e\'f2uje vy\'9a\'9aiu ochranu finan\'e8n\'fdch z\'e1ujmov klienta. Nem\'e1me inform\'e1cie o tom, \'9ee by s\'fa\'e8asn \'fd pr\'e1vny stav sp\'f4soboval v praxi ak\'e9ko\'bevek aplika\'e8n\'e9 probl\'e9my. Vzh\'beadom k tomu, \'9ee novela roz\'9airuje mo\'9enosti inkasovania poistn\'e9ho, navrhujeme ponecha\'9d osobitn\'fa \'fapravu, ktor\'e1 umo\'9e\'f2uje chr\'e1ni\'9d zo strany klienta zaplaten\'e9 poistn\'e9 pred pr\'edpadn\'fdmi finan\'e8n\'fdmi probl\'e9mami jednotliv\'fdch finan\'e8n\'fdch agentov. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 { \rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15950046 \par N \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid15950046 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid15950046 Znenie novely z\'e1kona je v\~s\'falade so smernicou IDD.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid15950046\charrsid15950046 \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow212\irowband212\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SASP \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 12. K bodu 103 \'e8l\'e1nku I novely}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme zmeni\'9d (zmeny zapracovan\'e9) 103. Za \'a7 42b sa vklad\'e1 \'a7 42c, ktor\'fd vr\'e1tane nadpisu znie: \'84\'a7 42c Prechodn\'e9 ustanovenie k \'faprav\'e1m \'fa\'e8inn\'fdm od 1. janu\'e1 ra 2018 Osoby, ktor\'e9 vykon\'e1vaj\'fa finan\'e8n\'e9 sprostredkovanie alebo finan\'e8n\'e9 poradenstvo pod\'bea predpisov \'fa\'e8inn\'fdch do 31. decembra 2017, s\'fa povinn\'e9 splni\'9d po\'9eiadavky pre odborn\'fa sp\'f4sobilos\'9d pod\'bea \'a7 21 ods. 3 v znen\'ed \'fa\'e8innom od 1. janu\'e1ra 2018 v lehote do 31. decembra 2018.\'93. Od\'f4vodnenie: vzh\'beadom k v\'fdrazn\'fdm zmen\'e1m \'9eiadame posun\'fa\'9d term\'edn na zos\'faladenie sa s nov\'fdmi pravidlami odbornej sp\'f4 sobilosti na minim\'e1lne koniec roku 2018. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14569560 \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow213\irowband213\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SASP \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 12. K bodu 103 \'e8l\'e1nku I novely}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme zmeni\'9d (zmeny zapracovan\'e9) 103. Za \'a7 42b sa vklad\'e1 \'a7 42c, ktor\'fd vr\'e1tane nadpisu znie: \'84\'a7 42c Prechodn\'e9 ustanovenie k \'faprav\'e1m \'fa\'e8inn\'fdm od 1. janu\'e1 ra 2018 Osoby, ktor\'e9 vykon\'e1vaj\'fa finan\'e8n\'e9 sprostredkovanie alebo finan\'e8n\'e9 poradenstvo pod\'bea predpisov \'fa\'e8inn\'fdch do 31. decembra 2017, s\'fa povinn\'e9 splni\'9d po\'9eiadavky pre odborn\'fa sp\'f4sobilos\'9d pod\'bea \'a7 21 ods. 3 v znen\'ed \'fa\'e8innom od 1. janu\'e1ra 2018 v lehote do 31. decembra 2018.\'93. Od\'f4vodnenie: vzh\'beadom k v\'fdrazn\'fdm zmen\'e1m \'9eiadame posun\'fa\'9d term\'edn na zos\'faladenie sa s nov\'fdmi pravidlami odbornej sp\'f4 sobilosti na minim\'e1lne koniec roku 2018. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14569560 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow214\irowband214\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SASP \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 8. bod 102 \'c8l\'e1nku I }{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme zmeni\'9d nasledovne (zmeny zapracovan\'e9): \'84\'a7 39 Sankcie (1) Ak N\'e1rodn\'e1 banka Slovenska zist\'ed nedostatky v \'e8innosti finan\'e8n\'e9ho agenta, finan\'e8n\'e9ho poradcu alebo navrhovate\'bea spo \'e8\'edvaj\'face v nedodr\'9eiavan\'ed podmienok alebo povinnost\'ed vypl\'fdvaj\'facich z rozhodnut\'ed vydan\'fdch N\'e1rodnou bankou Slovenska, v nedodr\'9eiavan\'ed alebo v obch\'e1dzan\'ed ustanoven\'ed tohto z\'e1kona, osobitn\'fd ch predpisov v rozsahu z nich vypl\'fdvaj\'facom a v\'9aeobecne z\'e1v\'e4zn\'fdch pr\'e1vnych predpisov vydan\'fdch na ich vykonanie, ktor\'e9 sa vz\'9dahuj\'fa na vykon\'e1vanie finan\'e8n\'e9ho sprostredkovania alebo vykon\'e1vanie finan\'e8n\'e9 ho poradenstva t\'fdmito osobami, alebo ak zist\'ed, \'9ee finan\'e8n\'e9 sprostredkovanie alebo finan\'e8n\'e9 poradenstvo vykon\'e1va osoba, ktor\'e1 nie je zap\'edsan\'e1 v registri alebo nem\'e1 na t\'fato \'e8innos\'9d udelen\'e9 povolenie pod\'bea \'a7 18 N\'e1rodnou bankou Slovenska a) ulo\'9e\'ed finan\'e8n\'e9mu agentovi, finan\'e8n\'e9mu poradcovi alebo navrhovate\'beovi opatrenia na odstr\'e1nenie a na n\'e1pravu zisten\'fdch nedostatkov, lehotu na ich splnenie a povinnos\'9d v ur\'e8 enej lehote informova\'9d N\'e1rodn\'fa banku Slovenska o ich splnen\'ed, b) ulo\'9e\'ed finan\'e8n\'e9mu agentovi, finan\'e8n\'e9mu poradcovi alebo navrhovate\'beovi pokutu do v\'fd\'9aky 200 000,- eur, c) obmedz\'ed alebo pozastav\'ed samostatn\'e9 mu finan\'e8n\'e9mu agentovi alebo finan\'e8n\'e9mu poradcovi vykon\'e1vanie \'e8innosti v niektorom z pr\'edslu\'9an\'fdch sektorov, d) odoberie samostatn\'e9mu finan\'e8n\'e9mu agentovi alebo finan\'e8n\'e9mu poradcovi pr\'edslu\'9an\'e9 povolenie pod \'bea \'a7 18 alebo obmedz\'ed pr\'edslu\'9an\'e9 povolenie pod\'bea \'a7 18 vo vz\'9dahu k niektor\'fdm z pr\'edslu\'9an\'fdch sektorov, e) zru\'9a\'ed z\'e1pis viazan\'e9ho finan\'e8n\'e9ho agenta, podriaden\'e9ho finan\'e8n\'e9ho agenta alebo viazan \'e9ho investi\'e8n\'e9ho agenta, f) ulo\'9e\'ed osobe, ktor\'e1 vykon\'e1va finan\'e8n\'e9 sprostredkovanie alebo finan\'e8n\'e9 poradenstvo bez z\'e1pisu v registri alebo bez pr\'edslu\'9an\'e9ho povolenia pod\'bea \'a7 18, pokutu do v\'fd\'9a ky 200 000,- eur. (2) Ak N\'e1rodn\'e1 banka Slovenska zist\'ed nedostatky v \'e8innosti finan\'e8n\'e9ho sprostredkovate\'bea z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu v sektore poistenia alebo zaistenia spo\'e8\'edvaj\'face v nedodr\'9eiavan\'ed alebo v obch\'e1dzan\'ed ustanoven\'ed tohto z\'e1kona, osobitn\'fdch z\'e1konov alebo in\'fdch v\'9aeobecne z\'e1v\'e4zn\'fdch pr\'e1vnych predpisov, ktor\'e9 sa vz\'9dahuj\'fa na jeho \'e8innos\'9d na \'fazem\'ed Slovenskej republiky, alebo ak N\'e1 rodn\'e1 banka Slovenska zist\'ed, \'9ee jeho \'e8innos\'9d vykon\'e1van\'e1 na \'fazem\'ed Slovenskej republiky m\'f4\'9ee vies\'9d k ohrozeniu z\'e1ujmu finan\'e8n\'fdch spotrebite\'beov, m\'f4\'9ee N\'e1rodn\'e1 banka Slovenska v s\'falade s \'a7 11 a \'9e 11d finan\'e8n\'e9mu sprostredkovate\'beovi z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu v sektore poistenia alebo zaistenia alebo finan\'e8n\'e9mu sprostredkovate\'beovi z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu v sektore poskytovania \'faverov na b\'fd vanie a) ulo\'9ei\'9d opatrenia na odstr\'e1nenie a na n\'e1pravu zisten\'fdch nedostatkov, lehotu na ich splnenie a povinnos\'9d v ur\'e8enej lehote informova\'9d N\'e1rodn\'fa banku Slovenska o ich splnen\'ed, b) ulo\'9ei\'9d pokutu do v\'fd\'9a ky 200 000,- eur, c) obmedzi\'9d alebo pozastavi\'9d vykon\'e1vanie \'e8innosti. ... (7) N\'e1rodn\'e1 banka Slovenska ulo\'9e\'ed za poru\'9aenie povinnost\'ed vypl\'fdvaj\'facich z tohto z\'e1kona, osobitn\'fdch predpisov v rozsahu z nich vypl\'fdvaj \'facom a v\'9aeobecne z\'e1v\'e4zn\'fdch pr\'e1vnych predpisov vydan\'fdch na ich vykonanie, ktor\'e9 sa vz\'9dahuj\'fa na vykon\'e1vanie finan\'e8n\'e9ho sprostredkovania alebo vykon\'e1vanie finan\'e8n\'e9ho poradenstva, alebo za poru\'9a enie podmienok alebo povinnost\'ed vypl\'fdvaj\'facich z rozhodnut\'ed vydan\'fdch N\'e1rodnou bankou Slovenska fyzickej osobe, ktor\'e1 je \'9atatut\'e1rnym org\'e1nom finan\'e8n\'e9ho agenta, finan\'e8n\'e9ho poradcu, \'e8lenovi \'9atatut\'e1rneho org \'e1nu alebo \'e8lenovi dozorn\'e9ho org\'e1nu finan\'e8n\'e9ho agenta alebo finan\'e8n\'e9ho poradcu pokutu do v\'fd\'9aky 12 000,- eur. Od\'f4vodnenie: v\'fd\'9aku pok\'fat pova\'9eujeme za neprimerane vysok\'fa a praxou v\'fdkonu finan\'e8n\'e9 ho sprostredkovania v podmienkach Slovenskej republiky za ni\'e8\'edm neod\'f4vodnen\'fa. N\'e1vrh novely tak navrhujeme zos\'faladi\'9d so s\'fa\'e8asnou v\'fd\'9akou pok\'fat uveden\'fdch v z\'e1kone \'e8. 186/2009 Z.z. Z\'e1kon \'e8. 186/2009 Z.z. d \'e1va kontroln\'e9mu org\'e1nu mo\'9enos\'9d uklada\'9d aj \'efal\'9aie typy sankci\'ed, a to a\'9e po obmedzenie alebo pozastavenie \'e8innosti, \'e8o pova\'9eujeme za dostato\'e8n\'fd sank\'e8n\'fd n\'e1stroj. \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14569560 \par \par \par \par N \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid14569560 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14569560 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14569560\charrsid14569560 V\'fd\'9aka }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14569560 sankci\'ed je plne v\~s\'falade so smernicou IDD.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14569560\charrsid14569560 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow215\irowband215\ltrrow \ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SASP \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 2. bod 50 \'c8l\'e1nku I novely: }{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme zmeni\'9d nasledovne (zmeny zapracovan\'e9): V \'a7 21 odsek 9 znie: \'84(9) Ka\'9ed\'fd zamestnanec viazan\'e9ho finan\'e8n\'e9ho agenta, podriaden\'e9ho finan\'e8n\'e9ho agenta a viazan\'e9ho investi\'e8n\'e9 ho agenta vykon\'e1vaj\'faci \'e8innos\'9d, ktorej obsahom je finan\'e8n\'e9 sprostredkovanie, mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky pre z\'e1kladn\'fd stupe\'f2 odbornej sp\'f4sobilosti. Ka\'9ed\'fd \'e8len \'9atatut\'e1rneho org\'e1nu podriaden\'e9 ho finan\'e8n\'e9ho agenta, viazan\'e9ho finan\'e8n\'e9ho agenta a viazan\'e9ho investi\'e8n\'e9ho agenta vykon\'e1vaj\'faci \'e8innos\'9d, ktorej obsahom je finan\'e8n\'e9 sprostredkovanie, mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky pre stredn\'fd stupe\'f2 odbornej sp\'f4sobilosti. Ka\'9ed\'fd zamestnanec a ka\'9ed\'fd \'e8len \'9atatut\'e1rneho org\'e1nu samostatn\'e9ho finan\'e8n\'e9ho agenta vykon\'e1vaj\'faci \'e8innos\'9d, ktorej obsahom je finan\'e8n\'e9 sprostredkovanie, mus\'ed sp\'e5\'f2a\'9d po \'9eiadavky pre stredn\'fd stupe\'f2 odbornej sp\'f4sobilosti. Ka\'9ed\'fd zamestnanec a ka\'9ed\'fd \'e8len \'9atatut\'e1rneho org\'e1nu finan\'e8n\'e9ho poradcu vykon\'e1vaj\'faci \'e8innos\'9d, ktorej obsahom je finan\'e8n\'e9 poradenstvo, mus\'ed sp \'e5\'f2a\'9d po\'9eiadavky pre vy\'9a\'9a\'ed stupe\'f2 odbornej sp\'f4sobilosti. Odborn\'fd garant navrhovate\'bea, ktor\'fd je finan\'e8nou in\'9atit\'faciou, mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky na stredn\'fd stupe\'f2 odbornej sp\'f4sobilosti.\'93 . Od\'f4vodnenie: navrhujeme zavies\'9d rovnopr\'e1vnos\'9d viazan\'fdch finan\'e8n\'fdch agentov a podriaden\'fdch finan\'e8n\'fdch agentov, kde oba subjekty maj\'fa ve\'bemi podobn\'e9 pr\'e1vne postavenie a kde obaja vykon\'e1vaj\'fa \'e8innos\'9d pod dozorom in\'e9ho subjektu \endash samostatn\'e9ho finan\'e8n\'e9ho agenta alebo viazan\'e9ho finan\'e8n\'e9ho agenta - a maj\'fa prakticky identick\'fa zodpovednos\'9d a povinnosti vo\'e8i klientom. S prihliadnut\'edm na t\'fato skuto\'e8nos\'9d pova\'9eujeme za spr\'e1vne, aby mali rovnako nastaven\'fa aj odborn\'fa sp\'f4sobilos\'9d. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15079642 \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow216\irowband216\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SASP \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 3. bod 57 \'c8l\'e1nku I novely: }{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme zmeni\'9d nasledovne (zmeny zapracovan\'e9): 53. \'a7 22 ods. 2 prv\'e1 veta a druh\'e1 veta znej\'fa: \'84Fyzick\'e1 osoba, ktor\'e1 mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky pre z\'e1kladn\'fd stupe\'f2 odbornej sp \'f4sobilosti, je povinn\'e1 ka\'9edoro\'e8ne absolvova\'9d osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie. Fyzick\'e1 osoba, ktor\'e1 mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky pre stredn\'fd stupe\'f2 odbornej sp\'f4sobilosti, je povinn\'e1 ka\'9edoro\'e8 ne absolvova\'9d osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie a najmenej ka\'9ed\'e9 \'9atyri roky \'faspe\'9ane vykona\'9d odborn\'fa sk\'fa\'9aku.\'93. Od\'f4vodnenie: navrhovan\'e1 povinnos\'9d ne\'famerne zvy\'9auje administrat\'edvnu n\'e1ro\'e8nos\'9d v\'fdkonu \'e8innosti finan\'e8n\'e9ho sprostredkovania a zav\'e1dza administrat\'edvne a \'e8asovo n\'e1ro\'e8n\'e9 odborn\'e9 sk\'fa\'9aky bez ak\'e9hoko\'bevek zd\'f4vodnenia. Finan\'e8n\'e9 sprostredkovanie predstavuje vysoko kvalifikovan\'fa \'e8 innos\'9d porovnate\'ben\'fa s \'e8innos\'9dou s lek\'e1rmi, advok\'e1tmi, da\'f2ov\'fdmi poradcami, \'fa\'e8tovn\'edkmi a pod. \'8eiadna z t\'fdchto profesi\'ed nem\'e1 v r\'e1mci v\'fdkonu tejto profesie svoju \'e8innos\'9d podmienen\'fa ka\'9edoro\'e8n \'fdm opakovan\'edm odborn\'fdch sk\'fa\'9aok. Tak\'fdto osobitn\'fd pr\'edstup k finan\'e8n\'e9mu sprostredkovaniu pova\'9eujeme za selekt\'edvny a ni\'e8\'edm neod\'f4vodnen\'fd. Ot\'e1zkou je tie\'9e ka\'9edoro\'e8ne vynakladan\'e1 suma 30,- eur za odborn\'e9 sk\'fa\'9aky a teda 120,- eur za 4 roky (\'9atvrt\'fd rok by suma bola vylo\'9een\'e1 vzh\'beadom k s\'fa\'e8asn\'e9mu nastaveniu \'9atvorro\'e8nej periodicity aj pod\'bea s\'fa\'e8asnej pr\'e1vnej \'fa pravy). Pri predpokladanom po\'e8te 15.500,- subjektov ide o sumu 1.395.000,- EUR. Zast\'e1vame n\'e1zor, \'9ee takto vynalo\'9een\'e9 prostriedky neprin\'e1\'9aaj\'fa pridan\'fa hodnotu na strane klientov a s\'fa vynalo\'9een\'e9 neefekt\'edvne. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8609697 \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow217\irowband217\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SASP \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 7. bod 81 \'c8l\'e1nku I a bod 1 \'c8l\'e1nku II novely:}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme zmeni\'9d nasledovne (zmeny zapracovan\'e9): 81 \'c8l\'e1nku I \'a7 32 vr\'e1tane nadpisu znie: \'84\'a7 32 N\'e1klady na finan\'e8n\'e9 sprostredkovanie a na finan\'e8n\'e9 poradenstvo (1) Finan\'e8n\'fd agent nesmie v s\'favislosti s vykon\'e1van\'edm finan\'e8n\'e9ho sprostredkovania prij\'edma\'9d od neprofesion\'e1lneho klienta ak\'e9ko\'bevek pe\'f2a\'9en\'e9 plnenie alebo nepe\'f2a\'9en\'e9 plnenie. (2) Pred vykon\'e1 van\'edm finan\'e8n\'e9ho sprostredkovania mus\'ed by\'9d neprofesion\'e1lny klient jednozna\'e8ne presn\'fdm a zrozumite\'ben\'fdm sp\'f4sobom p\'edsomne alebo na inom trvanlivom m\'e9diu informovan\'fd o existencii a povahe odmeny, ktor\'fa prij\'ed ma finan\'e8n\'fd agent za finan\'e8n\'e9 sprostredkovanie vo vz\'9dahu ku konkr\'e9tne uzatv\'e1ranej zmluve o poskytnut\'ed finan\'e8nej slu\'9eby, ak osobitn\'fd z\'e1kon neustanovuje inak.37a) Na z\'e1klade po\'9eiadavky klienta mus\'ed by\'9d klient jednozna\'e8ne, vy\'e8erp\'e1vaj\'facim, presn\'fdm a zrozumite\'ben\'fdm sp\'f4sobom informovan\'fd aj o v\'fd\'9ake odmeny; o tejto skuto\'e8nosti mus\'ed finan\'e8n\'fd agent p\'edsomne informova\'9d klienta pred uzatvoren\'ed m zmluvy o poskytovan\'ed finan\'e8nej slu\'9eby. (3) V s\'favislosti s vykon\'e1van\'edm finan\'e8n\'e9ho sprostredkovania nesmie finan\'e8n\'fd agent poskytova\'9d klientovi alebo potenci\'e1lnemu klientovi \'9eiadne finan\'e8n\'e9 v\'fdhody alebo v\'fd hody hmotnej alebo nehmotnej povahy. Za tak\'e9to v\'fdhody sa nepova\'9euje poskytnutie drobn\'fdch reklamn\'fdch predmetov. (4) Finan\'e8n\'fd poradca nesmie v s\'favislosti s vykon\'e1van\'edm finan\'e8n\'e9ho poradenstva prij\'edma\'9d ak\'e9ko\'be vek pe\'f2a\'9en\'e9 plnenie alebo nepe\'f2a\'9en\'e9 plnenie s v\'fdnimkou plnenia od klienta. (5) Finan\'e8n\'fd agent nesmie by\'9d odme\'f2ovan\'fd ani nesmie odme\'f2ova\'9d alebo posudzova\'9d v\'fdkonnos\'9d svojich zamestnancov sp\'f4sobom, ktor \'fd by bol v rozpore s ich povinnos\'9dou kona\'9d v s\'falade s najlep\'9a\'edmi z\'e1ujmami klientov. Za t\'fdmto \'fa\'e8elom nesmie zavies\'9d \'9eiadne mechanizmy v podobe odmien, cie\'beov predaja, ani in\'fdch n\'e1strojov, ktor\'e9 by mohli by \'9d pre finan\'e8n\'e9ho agenta alebo jeho zamestnancov stimulom, aby klientovi odpor\'fa\'e8ali ur\'e8it\'fd finan\'e8n\'fd produkt, pokia\'be by bolo mo\'9en\'e9 pon\'faknu\'9d klientovi in\'fd finan\'e8n\'fd produkt, ktor\'fd by lep\'9aie sp\'e5\'f2 al jeho potreby.\'93. Bod 1. \'c8l\'e1nku II \'a7 70 ods. 1 sa men\'ed p\'edsmeno e), ktor\'e9 znie nasledovne (komplexn\'e1 \'faprava je uveden\'e1 ni\'9e\'9aie v texte): \'84e) poskytn\'fa\'9d potencion\'e1lnemu neprofesion\'e1lnemu klientovi jednozna \'e8ne presn\'fdm a zrozumite\'ben\'fdm sp\'f4sobom p\'edsomne alebo na inom trvanlivom m\'e9diu inform\'e1ciu o existencii a povahe odmeny vypl\'e1canej jej zamestnancom vo vz\'9dahu ku konkr\'e9tne uzatv\'e1ranej poistnej zmluve. Na z\'e1klade po\'9e iadavky klienta mus\'ed by\'9d klient jednozna\'e8ne, vy\'e8erp\'e1vaj\'facim, presn\'fdm a zrozumite\'ben\'fdm sp\'f4sobom informovan\'fd aj o v\'fd\'9ake odmeny; o tejto skuto\'e8nosti mus\'ed finan\'e8n\'e1 in\'9atit\'facia p\'edsomne informova\'9d klienta pred uzatvoren\'edm poistnej zmluvy. Od\'f4vodnenie: navrhovan\'e9 pr\'e1vna \'faprava zav\'e1dza rozporupln\'e9 porovnanie odmeny u zamestnancov finan\'e8n\'fdch in\'9atit\'faci\'ed a odmeny u finan\'e8n\'fdch agentov. V oboch pr\'ed padoch sa porovn\'e1vaj\'fa in\'e9 \'fadaje, ktor\'e9 m\'f4\'9eu mias\'9d klienta vo v\'fd\'9ake n\'e1kladov s\'favisiacich s distrib\'faciou poistenia a z podstaty veci znev\'fdhod\'f2uj\'fa finan\'e8n\'fdch agentov, ktor\'ed zverej\'f2uj\'fa ove\'bea \'9air\'9a\'ed okruh odmeny. Takto nastaven\'e1 informa\'e8n\'e1 povinnos\'9d (s rozdielnym rozsahom informa\'e8nej povinnosti) m\'f4\'9ee by\'9d a\'9e v priamom rozpore so Smernicou o distrib\'facii poistenia, ktor\'e1 m\'e1 by\'9d t outo novelou transponovan\'e1. Navrhovan\'e1 informa\'e8n\'e1 povinnos\'9d tie\'9e neod\'f4vodnene zasahuje do obchodnopr\'e1vnych vz\'9dahov, ktor\'e9 s\'fa v s\'fa\'e8asnosti d\'f4vern\'e9ho charakteru, ako aj do pracovnopr\'e1vnych vz\'9d ahov pri zamestnancoch finan\'e8n\'fdch in\'9atit\'faci\'ed. Nastaven\'e1 informa\'e8n\'e1 povinnos\'9d neprin\'e1\'9aa \'9eiadnu zv\'fd\'9aen\'fa ochranu klienta a pova\'9eujeme ju za zbyto\'e8n\'fa. Navrhovan\'e9 znenie ustanovenie je tie\'9e \'e8iasto \'e8ne nevykonate\'ben\'e9 a v praxi m\'f4\'9eu by\'9d s jeho aplik\'e1ciou spojen\'e9 viacer\'e9 praktick\'e9 probl\'e9my. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8609697 \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow218\irowband218\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SBA \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 17. K bodu 90 n\'e1vrhu}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line A: \'a7 33 nov\'fd odsek 12: Navrhujeme spresni\'9d pojem \'84webov\'e9 s\'eddlo, ak je ur\'e8en\'e9 pre klienta\'93. Od\'f4vodnenie: Nie je \'faplne jasn\'e9, \'e8o znamen\'e1 pojem \'84webov\'e9 s\'eddlo, ktor\'e9 je ur \'e8en\'e9 osobitne pre klienta\'93, preto navrhujeme jasnej\'9aie pr\'e1vnu \'fapravu. Bude posta\'e8ova\'9d ak banka poskytne tieto inform\'e1cie v \'e8asti webov\'fdch str\'e1nok ktor\'e9 takto jasne ozna\'e8\'ed? B: \'a7 33 nov\'fd odsek 13- \'8e iadame o zodpovedanie ot\'e1zky, pr\'edpadne o spresnenie ustanovenia, z ktor\'e9ho bude zrejm\'e1 odpove\'ef na ot\'e1zku: Ako s\'favis\'ed poskytnutie emailovej adresy s webov\'fdm s\'eddlom? M\'e1me za to, \'9ee webov\'e9 s\'eddlo patr\'ed finan\'e8 nej in\'9atit\'facii pr\'edpadne FA a emailov\'e1 adresa patr\'ed klientovi ako si teda vysvetli\'9d tieto obmedzuj\'face ustanovenia? Ako s\'favis\'ed poskytnutie /neposkytnutie emailovej adresy s poskytnut\'edm inform\'e1ci\'ed cez web ? C: \'a7 33 doplnen\'e9 odseky 11- 14- Navrhujeme nepou\'9e\'edva\'9d pojem \'84p\'edsomn\'e1 forma\'93 a nahradi\'9d ho napr. pojmom \'84listinn\'e1 podoba\'93 \endash p\'edsomn\'e1 forma v zmysle ust. \'a7 40 ods.4 OZ m\'f4\'9ee ma\'9d aj nehmotn\'fa podobu. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8609697 N}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5977322 \par \par \par \par \par \par \par \par \par \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid5977322 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5977322 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid8609697 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8609697\charrsid8609697 Bolo prediskutovan\'e9 na rozporovom konan\'ed d\'f2a 17.7.2017}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565\charrsid8609697 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow219\irowband219\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SBA \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 10. K bodu n\'e1vrhu 50- \'a721 ods.9}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line A: Navrhujeme \'9apecifikova\'9d, kto je presne \'84ka\'9ed\'fd \'e8len \'9atatut\'e1rneho org\'e1nu samostatn\'e9ho finan\'e8n\'e9ho agenta vykon\'e1vaj\'faci \'e8innos\'9d, ktorej obsahom je finan\'e8n\'e9 sprostredkovanie. Od\'f4vodnenie: Pokia\'be spr\'e1vne rozumieme, tejto povinnosti ("ka\'9ed\'fd \'e8len \'9atatut\'e1rneho org\'e1nu samostatn\'e9ho finan\'e8n\'e9ho agenta vykon\'e1vaj\'faci \'e8innos\'9d, ktorej obsahom je finan\'e8n\'e9 sprostredkovanie,"), jedn\'e1 sa len o t\'fdch \'e8lenov \'9atatut\'e1rneho org\'e1nu, ktor\'ed skuto\'e8ne vykon\'e1vaj\'fa finan\'e8n\'e9 sprostredkovanie. B: Navrhujeme aby \'84ka\'9ed\'fd \'e8len \'9atatut\'e1rneho org\'e1nu\'93 nebol povinn\'fd sp \'e5\'f2a\'9d t\'fdmto z\'e1konom stanoven\'e9 podmienky osobitne. Od\'f4vodnenie: Pokia\'be ide o \'e8lenov \'9atatut\'e1rneho org\'e1nu b\'e1nk, t\'edto s\'fa v zmysle z\'e1kona o bank\'e1ch preverovan\'ed a ich obsadenie podlieha s\'fa hlasu NBS. Takto dosaden\'e9 osoby sp\'e5\'f2aj\'fa odborn\'e9 podmienky ako aj d\'f4veryhodnos\'9d na vy\'9a\'9aej \'farovni. C: Z\'e1rove\'f2 navrhujeme bli\'9e\'9aie vysvetli\'9d a uvies\'9d podrobnosti o podmienkach, \'e8o v pr\'edpade, ak je \'e8 lenom \'9atatut\'e1rneho org\'e1nu cudzinec. Od\'f4vodnenie: V takom pr\'edpade by malo by\'9d tak samotn\'e9 vzdel\'e1vanie ako aj sk\'fa\'9aky dostupn\'e9 v angli\'e8tine. Mysl\'ed sa, iba ak naozaj vykon\'e1va finan\'e8n\'e9 sprostredkovanie? Pod\'be a ods. 7 \'e8len \'9atatut\'e1rneho org\'e1nu, u SFA m\'e1 ma\'9d vy\'9a\'9a\'ed stupe\'f2 a pod\'bea ods. 9 m\'e1 ma\'9d stredn\'fd stupe\'f2, t.j. ako sa to mysl\'ed, aspo\'f2 jeden \'e8len vy\'9a\'9a\'ed stupe\'f2 a ostatn\'ed stredn\'fd stupe\'f2 ? Navrhujeme spresni\'9d. D: Z d\'f4vodu jednozna\'e8n\'e9ho v\'fdkladu tejto povinnosti navrhujeme doplni\'9d za slov\'e1 \'84finan\'e8nou in\'9atit\'faciou\'93 slov\'e1 \'84ktor\'e1 vykon\'e1va finan\'e8n\'e9 sprostredkovanie prostredn\'edctvom viazan \'fdch finan\'e8n\'fdch agentov\'93. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5977322 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5977322 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8609697 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14485249 A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5977322 \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid5977322 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid9377190 {\rtlch\fcs1 \ab\af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid5977322\charrsid8609697 Na rozporovom konan\'ed, ktor\'e9 sa usk}{\rtlch\fcs1 \ab\af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid9377190\charrsid8609697 u}{\rtlch\fcs1 \ab\af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid5977322\charrsid8609697 to\'e8nilo d\'f2a }{\rtlch\fcs1 \ab\af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid9377190\charrsid8609697 17.7.2017 bolo navrhovate\'beovi pripomienky vysvetlen\'e9, \'9ee sa jedn\'e1 len o\~t\'fdch \'e8lenov \'9atatut\'e1rneho org\'e1nu, ktor\'ed vykon\'e1vaj\'fa \'e8innos\'9d, ktor\'e1 sa t\'fdka finan\'e8n\'e9ho sprostredkovania.}{\rtlch\fcs1 \ab\af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid10771169\charrsid8609697 To plat\'ed aj pre \'e8lena \'9atatut\'e1rneho org\'e1nu v\~pr\'edpade cudzieho \'9at\'e1tneho pr\'edslu\'9an\'edka.}{\rtlch\fcs1 \ab\af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid5977322\charrsid8609697 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid9377190 Doplnen\'e9 v\~d\'f4vodovej spr\'e1ve. \par \par Navrhovate\'be ust\'fapil od z\'e1sadnej pripomienky \endash rozpor odstr\'e1nen\'fd.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid9377190\charrsid5977322 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow220\irowband220\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SBA \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 13. K bodu n\'e1vrhu- 60- \'a7 22 doplnen\'fd odsek 9}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Ak sa \'fadaje z registra zverej\'f2uj\'fa alebo spr\'edstup\'f2uj\'fa, je potrebn\'e9 to upravi\'9d na tomto mieste, vr\'e1tane zoznamu alebo rozsahu zverej\'f2ovan\'fdch \'fadajov.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14366429 A \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid3633892 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3633892 \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3633892 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow221\irowband221\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SBA \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 16. K bodu n\'e1vrhu 84- \'a7 33 ods. 4 p\'edsmeno f)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme definova\'9d, \'e8o sa pova\'9euje za be\'9en\'fa platbu a \'e8o za in\'fa ako be\'9en\'fa platbu. Je potrebn\'e1 defin\'edcia pojmu.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14485249 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14485249 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3633892 N}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid3633892 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid3633892 Navrhovan\'e9 znenie je v\~s\'falade s\~\'e8l. 19 bod 3. smernice IDD, ktor\'e1 defin\'edciu pojmu \'84be\'9en \'e1 platba\'93 nevy\'9eaduje (nad r\'e1mec smernice). }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565\charrsid3633892 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow222\irowband222\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SBA \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 6. K bodu n\'e1vrhu 26- \'a7 14 doplnen\'fd odsek 13}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme ozna\'e8enie \'84ovl\'e1daj\'faca osoba\'93 a odpor\'fa\'e8ame overi\'9d s\'falad znenia so smernicou. Z ak\'e9ho d\'f4vodu je nutn\'e9 ozna\'e8enie ktor\'fdko\'bevek subjekt zo skupiny s \'fazkymi v\'e4zbami? Nie je posta\'e8uj\'face \'84ovl\'e1daj\'faca osoba\'93? Opatrenie takto p\'f4sob\'ed nepropor\'e8ne. A \'e8o ak sa dodato\'e8ne nejak\'fd subjekt zo skupiny zaregistruje v takejto krajine? \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3633892 \par N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid3633892 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid7042331 Navrhovan\'e9 znenie }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14485249 v\~n\'e1vrhu z\'e1kona }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid7042331 je v\~s\'fa lade s\~\'e8l. 3 bod 7 smernice}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid3633892\charrsid7042331 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 { \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow223\irowband223\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SBA \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 1. K cel\'e9mu n\'e1vrhu}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme podrobnej\'9aiu a konkr\'e9tnej\'9aiu \'fapravu finan\'e8n\'e9ho sprostredkovate\'bea. Od\'f4vodnenie: V z\'e1kone nie je dostato\'e8n\'e1 \'faprava finan\'e8n\'e9ho sprostredkovate\'bea z in\'e9ho \'e8lensk\'e9 ho \'9at\'e1tu vo vz\'9dahu k vzdel\'e1vaniu zamestnancov tak\'e9hoto finan\'e8n\'e9ho sprostredkovate\'bea, preto ju navrhujeme upravi\'9d podrobnej\'9aie. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid7042331 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid7042331 \par N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid7042331 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid7042331 Ustanovenia n\'e1vrhu z\'e1kona, ktor\'e9 upravuj\'fa oblas\'9d vykon\'e1vania \'e8innosti finan\'e8n\'e9ho sprostredkovate\'bea z\~in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu je plne v\~s\'fa lade so smernicou IDD.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid7042331\charrsid7042331 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow224\irowband224\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SBA \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 8. K bodu 32 n\'e1vrhu- \'a7 18 ods. 2 p\'edsm. b)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme ponecha\'9d \'84alebo\'93, \'e8len \'9atatut\'e1rneho org\'e1nu nevykon\'e1va finan\'e8n\'e9 sprostredkovanie, aj ke\'ef zodpoved\'e1 za FA, ale odborn\'fa sp\'f4sobilos\'9d posta\'e8\'ed u odborn\'e9ho garanta, ako doteraz. V niektor\'fdch pr\'edpadoch by i\'9alo o dos\'9d z\'e1va\'9en\'fa zmenu. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14366429 \par N \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid7042331 \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid14366429 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14366429\charrsid14366429 Aj ur\'e8en\'fd \'e8len \'9atatut\'e1rneho org\'e1nu mus\'ed sp\'e5\'f2a\'9d odborn\'fa sp\'f4sobilos\'9d.\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow225\irowband225\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SBA \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 14. K bodu n\'e1vrhu 73- \'a7 28 vypusten\'fd odsek 5}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme ponecha\'9d predmetn\'e9 ustanovenie. Od\'f4vodnenie: Smernica E\'da \'e8. 2016/97 o distrib\'facii poistenia zaviedla po\'9eiadavku, \'9ee pe\'f2a\'9en\'e9 prostriedky z\'e1kazn\'edka ( \'84customer\'93) sa prev\'e1dzaj\'fa prostredn\'edctvom oddelen\'fdch \'fa\'e8tov z\'e1kazn\'edkov a \'9ee tieto \'fa\'e8ty sa nepou\'9eij\'fa na od\'9akodnenie in\'fdch verite\'beov v pr\'edpade konkurzu sprostredkovate\'bea. M\'e1me za to, \'9ee po\'9e iadavka smernice na oddelen\'fd \'fa\'e8et z\'e1kazn\'edkov nevy\'9eaduje, aby z\'e1kazn\'edci (klienti) boli priamo ka\'9ed\'fd jeden majite\'bemi svojho \'fa\'e8tu. Teda m\'f4\'9ee \'eds\'9d o jeden \'84omnibus\'93 \'fa\'e8et otvoren\'fd na meno finan \'e8n\'e9ho agenta, na ktorom kumuluje prostriedky v\'9aetk\'fdch klientov, pri\'e8om tento \'fa\'e8et mus\'ed by\'9d oddelen\'fd od in\'e9ho \'fa\'e8tu finan\'e8n\'e9ho agenta, na ktorom kumuluje svoje vlastn\'e9 \'84neklientske\'93 prostriedky. V pr\'ed pade konkurzu sa tak bude osobitn\'fd klientsky \'fa\'e8et (\'fa\'e8et z\'e1kazn\'edkov) a majetok na \'f2om alokovan\'fd pova\'9eova\'9d za majetok klientov a nie majetok finan\'e8n\'e9ho agenta, pri\'e8om uspokojenie n\'e1rokov plyn\'facich z tohto \'fa \'e8tu bude v\'fdlu\'e8ne limitovan\'fd na klientov a nie in\'fdch verite\'beov. Tento majetok nebude tvori\'9d ani oddelen\'fa podstatu v r\'e1mci konkurzu. Pod\'bea n\'e1\'9aho n\'e1zoru predmetn\'e9 ustanovenie by malo osta\'9d v z\'e1kone, aby t\'fd m bol naplnen\'fd aj z\'e1mer smernice. Vyl\'fa\'e8en\'edm tohto ustanovenia sa prostriedky klientov na \'fa\'e8toch finan\'e8n\'e9ho agenta zahrn\'fa do konkurznej podstaty finan\'e8n\'e9ho agenta (a to zrejme do v\'9aeobecnej), nako\'beko neexistuje z \'e1konom jasne deklarovan\'fd pr\'edznak, \'9ee bud\'fa tvori\'9d oddelen\'fa podstatu majetku finan\'e8n\'e9ho agenta. N\'e1roky vo\'e8i tejto podstate bud\'fa klienti vo\'e8i finan\'e8n\'e9mu agentovi uplat\'f2ova\'9d \'9atandardn\'fd m procesom prihlasovania poh\'bead\'e1vok (s rizikom ich popretia spr\'e1vcom) a navy\'9ae s rizikom ich neuspokojenia v plnej v\'fd\'9ake (nako\'beko pod\'bea n\'e1s nep\'f4jde o oddelen\'fa podstatu). Vypusten\'edm tohto ustanovenia existuje riziko, \'9ee klientsky majetok na \'fa\'e8toch prepadne do v\'9aeobecnej konkurznej podstaty, z ktorej sa m\'f4\'9eu uspokoji\'9d aj ostatn\'ed in\'ed veritelia. Tak\'fdto stav by bol v jasnom rozpore so z\'e1merom smernice, ktor\'fd jednozna\'e8 ne zakazuje uspokojenie in\'fdch verite\'beov z prostriedkov inkasovan\'fdch finan\'e8n\'fdm agentom od svojich klientov. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid13131360 N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid13131360 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid13131360 Prij\'edmanie pe\'f2a\'9en\'fdch prostriedkov na osobitn\'fd \'fa\'e8et finan\'e8n\'e9ho agenta nie je \'fa\'e8eln\'e9 a\~v\~praxi \'9da\'9eko vykonate\'ben\'e9, najm\'e4 pokia\'be ide o\~ prij\'edmanie jednej platby od klienta za viac produktov, napr. sprostredkovan\'e9 poistenie k\~poskytnut\'e9mu spotrebite\'besk\'e9mu \'faveru. \par }\pard \ltrpar\qj \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid13842810 {\rtlch\fcs1 \ab\af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid13842810\charrsid13842810 Taktie\'9e s}{\rtlch\fcs1 \af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid13842810\charrsid13842810 mernica \'e8. 2016/97 v\~\'e8l. 10 bod 6 ur\'e8uje pre \'e8lensk\'e9 \'9at\'e1ty mo\'9enos\'9d v\'fdberu prija\'9d potrebn\'e9 opatrenia na ochranu klienta pri platobnej neschopnosti finan\'e8n\'e9 ho agenta. Finan\'e8n\'e9 prostriedky od klienta sa okamihom prevzatia finan\'e8n\'fdm agentom pova\'9euj\'fa za finan\'e8n\'e9 p}{\rtlch\fcs1 \af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid13842810 rostriedky finan\'e8nej in\'9atit\'facie, tak ako je to uveden \'e9 v\~d\'f4vodovej spr\'e1ve.}{\rtlch\fcs1 \af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid13842810\charrsid13842810 \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid13131360 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid13842810\charrsid13131360 \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow226\irowband226\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SBA \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 9. K bodu 46 n\'e1vrhu- \'a7 21 ods. 3 p\'edsm. a)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme ponecha\'9d s\'fa\'e8asn\'fa \'fapravu. Od\'f4vodnenie: Zru\'9aenie 3-masa\'e8nej lehoty v\'fdrazne naru\'9a\'ed procesy adapt\'e1cie nov\'fdch zamestnancov (ur\'e8ite nie je pre pobo\'e8 ky praktick\'e9 a vhodn\'e9, aby sledovali \'e8i zamestnanec u\'9e m\'f4\'9ee/nem\'f4\'9ee pred\'e1va\'9d konkr\'e9tny produkt v z\'e1vislosti od toho, \'e8i u\'9e absolvoval/neabsolvoval vzdel\'e1vanie). Dne\'9an\'fd stav je vyhovuj\'faci. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid15938525 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12467211 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15938525 \par \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14485249 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12467211 N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid14052219 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }\pard \ltrpar\qj \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\faauto\rin0\lin0\pararsid14052219 {\rtlch\fcs1 \af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid14052219\charrsid14052219 Vypustenie v\'fdnimky troch mesiacov pre po\'9eiadavku na odborn \'fa sp\'f4sobilos\'9d vypl\'fdva z\~aplika\'e8nej praxe. }{\rtlch\fcs1 \af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid15938525 Je}{\rtlch\fcs1 \af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid14052219\charrsid14052219 nevyhnutn\'e9}{\rtlch\fcs1 \af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid15938525 (v z\'e1ujme ochrany klienta)}{\rtlch\fcs1 \af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid14052219\charrsid14052219 , aby sa z\'e1kladn\'fd stupe\'f2 odbornej sp\'f4sobilosti vy\'9eadoval od za\'e8iatku v\'fdkonu \'e8innosti, resp. z\'e1 pisu do registra.}{\rtlch\fcs1 \af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid14052219 \par }{\rtlch\fcs1 \af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid15938525 Na rozporovom konan\'ed d\'f2a 17.7.2017 navrhovate\'be ust\'fapil od navrhovanej pripomienky (rozpor odstr\'e1nen\'fd).}{\rtlch\fcs1 \af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid15938525\charrsid14052219 \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid14052219 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14052219 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow227\irowband227\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SBA \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 21. K \'c8l. III}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme pred\'e5\'9eenie lehoty na transpoz\'edciu IDD. Od\'f4vodnenie: Vzh\'beadom na vysok\'fa automatiz\'e1ciu procesov (vr\'e1tane predajn\'fdch procesov) v bank\'e1ch / pois\'9dovniach a najm\'e4 z d\'f4 vodu zavedenia viacer\'fdch nov\'fdch povinnost\'ed (zmena rozsahu a sp\'f4sobu vykon\'e1vania Z\'e1znamu o sprostredkovan\'ed + doplnenie vyhodnotenia vhodnosti produktu pre klienta; nov\'e9 produktov\'e9 dokumenty / nahradenie teraj\'9a\'edch produktov \'fdch dokumentov; pr\'edpadn\'e9 povinn\'e9 oznamovanie konfliktu z\'e1ujmov) + spr\'edsnenie doteraj\'9a\'edch povinnost\'ed pri vykon\'e1van\'ed finan\'e8n\'e9ho sprostredkovania v momente pred uzavret\'edm zmluvy o finan\'e8nej slu\'9ebe m\'e1 z\'e1 sadn\'e9 dopady na IT rie\'9aenia a syst\'e9my jednak u finan\'e8n\'fdch in\'9atit\'faci\'ed ako aj na strane finan\'e8n\'fdch agentov. Zavedenie a otestovanie t\'fdchto nov\'fdch povinnost\'ed a pravidiel preto vy\'9eaduje dlh\'9a\'ed \'e8as. Z poh\'be adu IDD je skr\'e1tenie term\'ednu prijatia pr\'e1vnej \'fapravy v SR zbyto\'e8ne skr\'e1ten\'e9 a po\'9eadujem aspo\'f2 o pred\'e5\'9eenie na max. Lehotu pre transpoz\'edciu IDD. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15938525 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6780704 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15938525 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14366429 A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6780704 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15018149 \par \par \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid14366429 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15938525 \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow228\irowband228\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SBA \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 7. K bodu n\'e1vrhu 29- \'a7 16 ods. 3}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme slovn\'e9 spojenie \'84opakovane z\'e1va\'9en\'fdm sp\'f4sobom\'93, pr\'edpadne z\'e1sadne spresni\'9d alebo doplni\'9d iba ako pr\'e1vo nie povinnos\'9d navrhovate\'bea. Od\'f4vodnenie: Ve\'bemi \'9a irok\'fd pojem \'84opakovane z\'e1va\'9en\'fdm sp\'f4sobom\'93, kto zadefinuje, \'e8o je z\'e1va\'9en\'fdm sp\'f4sobom, a \'e8o je opakovane, za ak\'e9 obdobie, nie je mo\'9en\'e9 sledova\'9d nieko\'beko ro\'e8n\'e9 obdobie. V pr\'ed pade ak aj bude odregistrovan\'e9 tak\'e9ho FA, prejde k inej spolo\'e8nosti, nako\'beko neexistuje evidencia black list. Niekedy \'9da\'9eko dok\'e1za\'9d pochybenie. Je mo\'9en\'e9, \'9ee sa bude toto nerovnocenne uplat\'f2ova\'9d, preto by bolo vhodnej \'9aie toto ponecha\'9d ako mo\'9enos\'9d, nie povinnos\'9d, navrhovate\'be uplatn\'ed in\'e9 sankcie vo\'e8i tak\'e9mu FA. Navrhujeme vypusti\'9d, z\'e1sadne spresni\'9d alebo doplni\'9d iba ako pr\'e1vo nie povinnos\'9d navrhovate\'bea. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6697880 \par \par \par N\cell }\pard \ltrpar\qj \li0\ri0\nowidctlpar\intbl\tx567\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid5841579 {\rtlch\fcs1 \af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid5841579 \par \par }{\rtlch\fcs1 \af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid5841579\charrsid5841579 Opakovane}{\rtlch\fcs1 \af0\afs25 \ltrch\fcs0 \f0\fs25\lang1029\langfe1033\langnp1029\insrsid5841579\charrsid5841579 z\'e1va\'9en\'fd}{\rtlch\fcs1 \af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid5841579\charrsid5841579 sp\'f4sob poru\'9aenia ustanoven\'ed z\'e1kona }{\rtlch\fcs1 \af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid5841579 znamen\'e1 viacn\'e1sobn\'e9 poru\'9aenie z\'e1kona. Nie je mo\'9en\'e9 ho taxat\'edvne vymedzi\'9d. N\'e1 rodn\'e1 banka Slovenska ako org\'e1n doh\'beadu pos\'fadi \'e8o bude pova\'9eova\'9d za tak\'e9to poru\'9aenie ustanoven\'ed z\'e1kona}{\rtlch\fcs1 \af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid2698031 .}{\rtlch\fcs1 \af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid5841579 \par }{\rtlch\fcs1 \af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid2698031 Finan\'e8n\'e1 in\'9atit\'facia informuje org\'e1n doh\'beadu o\~tejto skuto\'e8nosti ihne\'ef ako sa to dozvie.}{\rtlch\fcs1 \af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid5841579 \par }\pard \ltrpar\qj \li0\ri0\nowidctlpar\intbl\tx567\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid2698031 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow229\irowband229\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SBA \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 5. K bodu n\'e1vrhu 24- \'a7 14 odsek 7}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme upravi\'9d ustanovenie tak, aby bolo mo\'9en\'e9 splnenie podmienky u\'9e pri predkladan\'ed list\'edn NBS. Vytv\'e1ra sa dodato\'e8n\'e1 \'e8asov\'e1 bari\'e9ra pre za\'e8iatok podnikania, predov\'9a etk\'fdm pre samostatn\'fdch finan\'e8n\'fdch agentov. Najprv musia z\'edska\'9d povolenie, potom si zap\'edsa\'9d \'e8innos\'9d do obchodn\'e9ho registra a n\'e1sledne do registra NBS. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14366429 N}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid2698031 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid2950061 {\rtlch\fcs1 \af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid2950061 Plat\'ed z\'e1kladn\'e1 z\'e1sada, \'9ee vykon\'e1va\'9d finan\'e8n\'e9 sprostredkovanie a\~finan\'e8n\'e9 poradenstvo m\'f4\'9ee finan\'e8n\'fd agent a\~finan\'e8n\'fd poradca a\'9e odo d\'f2a z\'e1pisu do pr\'edslu\'9an\'e9 ho zoznamu v\~pr\'edslu\'9anom podregistri.}{\rtlch\fcs1 \af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid8003565\charrsid2950061 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 { \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow230\irowband230\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SBA \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 2. K bodu n\'e1vrhu 12- \'a7 4 p\'edsm. s)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme vy\'f2atie ur\'e8it\'fdch typov \'9eivotn\'e9ho poistenia- napr.: \'9eivotn\'e9 poistenie, ktor\'e9 od za\'e8iatku zmluvne garantuje klientom pre pr\'edpad do\'9eitia vopred dohodnut\'fa mieru zhodnotenia. Od\'f4vodnenie: M\'e1me za to, \'9ee \'9eivotn\'e9 poistenie, ktor\'e9 od za\'e8iatku zmluvne garantuje klientom pre pr\'edpad do\'9eitia vopred dohodnut\'fa mieru zhodnotenia na trhu by nemalo by\'9d posudzovan\'e9 ako investi\'e8n \'fd produkt zalo\'9een\'fd na poisten\'ed. Garancia minim\'e1lneho v\'fdnosu garantuje nez\'e1vislos\'9d v\'fdnosu od v\'fdvoja na finan\'e8nom trhu. Pr\'e1vna regul\'e1cia tak\'fdchto typov produktov je nadbyto\'e8n\'e1 (riziko za klienta nesie pois\'9d ov\'f2a). Navrhujeme preto zv\'e1\'9ei\'9d vy\'f2atie aj tak\'fdchto \'84\'9eivotn\'fdch poisten\'ed\'93. Ani posudzovanie sklonu klienta k riziku sa n\'e1m nejav\'ed ako nevyhnutn\'e9 ak sa jedn\'e1 o poistn\'fd produkt s garanciou min v\'fdnosu. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid2950061 \par \par \par N \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid2950061 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid12255858\charrsid12255858 Navrhovan\'e9 znenie je v\~s\'falade s\~\'e8l. 2 smernice IDD}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid12255858 , ktor\'fd roz\'9airuje okruh defin\'edci \'ed pojmov.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid2950061\charrsid12255858 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow231\irowband231\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SBA \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 18. K bodu 93 n\'e1vrhu- \'a734 ods.1}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme vypusti\'9d "Reklama a propag\'e1cia finan\'e8n\'e9ho sprostredkovania alebo finan\'e8n\'e9ho poradenstva mus\'ed obsahova\'9d presn\'fa inform\'e1ciu, \'9ee sa jedn\'e1 o reklamu alebo propag\'e1 ciu." alebo preformulova\'9d na "Reklama a propag\'e1cia finan\'e8n\'e9ho sprostredkovania alebo finan\'e8n\'e9ho poradenstva, mus\'ed obsahova\'9d presn\'fa inform\'e1ciu, \'9ee sa jedn\'e1 o reklamu alebo propag\'e1ciu; to neplat\'ed , ak je to z obsahu a formy reklamy alebo propag\'e1cie zjavn\'e9." Od\'f4vodnenie: V opa\'e8nom pr\'edpade by to znamenalo, \'9ee niektor\'e9 men\'9aie form\'e1ty, ktor\'e9 maj\'fa presne ohrani\'e8en\'fd po\'e8 et znakov alebo pokrytie plochy znakmi, by nemohli by\'9d vyu\'9e\'edvan\'e9 ako reklamn\'e9 nosi\'e8e (bannery, sms, FB). Navrhovan\'e9 znenie: \'84Reklama a propag\'e1cia finan\'e8n\'e9ho sprostredkovania alebo finan\'e8n\'e9ho poradenstva, mus\'ed obsahova\'9d presn\'fa inform\'e1ciu, \'9ee sa jedn\'e1 o reklamu alebo propag\'e1ciu; to neplat\'ed, ak je to z obsahu a formy reklamy alebo propag\'e1cie zjavn\'e9." \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12255858 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12255858 \par \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid6780704 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6780704 \'c8A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12255858 \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow232\irowband232\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SBA \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 4. K bodu 23 n\'e1vrhu- \'a7 14 ods. 6}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme vypusti\'9d spojenie \'84m\'e1 inform\'e1cie, \'9ee\'93. Od\'f4vodnenie: D\'f4vodom m\'e1 by\'9d, \'9ee osoba nesp\'e5\'f2a podmienky, nie \'9ee NBS \'84m\'e1 inform\'e1cie\'93. Tak\'e9to od\'f4 vodnenie m\'f4\'9ee by\'9d nepresk\'famate\'ben\'e9. Navrhovan\'e9 znenie: \'84N\'e1rodn\'e1 banka Slovenska n\'e1vrh na z\'e1pis odmietne, ak osoba uveden\'e1 v n\'e1vrhu na z\'e1pis nesp\'e5\'f2a podmienky na v\'fdkon \'e8innosti pod\'bea tohto z\'e1 kona; t\'fdm nie je dotknut\'e9 ustanovenie odseku 3. O odmietnut\'ed n\'e1vrhu na z\'e1pis informuje N\'e1rodn\'e1 banka Slovenska navrhovate\'bea elektronicky do desiatich kalend\'e1rnych dn\'ed odo d\'f2a jeho prijatia. Poplatok za odmietnut\'fd n\'e1 vrh na z\'e1pis sa nevracia.\'93. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid10239139 \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow233\irowband233\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SBA \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 20. K bodu 103 n\'e1vrhu- \'a7 42c}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme z praktick\'fdch d\'f4vodov prechodn\'e9 ustanovenie pred\'e5\'9ei\'9d na min. 12 mesiacov. Navrhovan\'e9 znenie: \'84Osoby, ktor\'e9 vykon\'e1vaj\'fa finan\'e8n\'e9 sprostredkovanie alebo finan\'e8n\'e9 poradenstvo pod\'bea predpisov \'fa\'e8inn\'fdch do 31. decembra 2017, s\'fa povinn\'e9 splni\'9d po\'9eiadavky pre odborn\'fa sp\'f4sobilos\'9d pod\'bea \'a7 21 ods. 3 v znen\'ed \'fa\'e8innom od 1. janu\'e1ra 2018 v lehote do 31. decembra 2018.\'93 \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid10239139 \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow234\irowband234\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SBA \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 3. K bodu n\'e1vrhu 12- \'a7 4 doplni\'9d p\'edsm. t}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme zavies\'9d nov\'fa defin\'edciu pojmu \'84finan\'e8n\'fd produkt\'93, ke\'ef\'9ee tento pojem sa vyskytuje a pou\'9e\'edva v \'efal\'9a\'edch novo navrhovan\'fdch ustanoveniach z\'e1 kona (vi\'ef. \'a7 29 ods. 6-10). Od\'f4vodnenie: Ke\'ef\'9ee v zmysle nov\'fdch doplnen\'fdch odsekov 6 a\'9e 10 \'a7 29 z\'e1kona pojem finan\'e8n\'fd produkt je ch\'e1pan\'fd nielen ako produkt finan\'e8nej in\'9atit\'facie ale aj produkt vypracovan \'fd finan\'e8n\'fdm agentom resp. finan\'e8n\'fdm poradcom, navrhujeme aby defin\'edcia \'84finan\'e8n\'e9ho produktu\'93 zoh\'bead\'f2ovala aj t\'fato skuto\'e8nos\'9d. Produkt by mal by\'9d koncep\'e8ne ch\'e1pan\'fd ako v\'fdsledok \'e8innosti alebo s \'faboru \'e8innost\'ed finan\'e8nej in\'9atit\'facie resp. finan\'e8n\'e9ho agenta/finan\'e8n\'e9ho poradcu zameran\'fdch na uspokojenie finan\'e8n\'fdch potrieb klienta. Tento koncept ako aj mo\'9en\'e1 defin\'edcia by pokr\'fdvala pr\'ed pady, kedy a) produktom je konkr\'e9tny n\'e1stroj/in\'9atrument alebo prostriedok vypracovan\'fd finan\'e8nou in\'9atit\'faciou (\'faver, be\'9en\'fd \'fa\'e8et, invest\'edcie a pod.) b) produktom je aj tzv. produktov\'e9 (klientske) portf\'f3lio pozost \'e1vaj\'face z vytvorenia \'9atrukt\'fary kombinuj\'facej viacero produktov, ktor\'e9 z ponuky produktov jednej alebo viacer\'fdch finan\'e8n\'fdch in\'9atit\'faci\'ed skoncipuje pre klienta finan\'e8n\'fd poradca alebo finan\'e8n\'fd agent pr\'ed padne samotn\'e1 finan\'e8n\'e1 in\'9atit\'facia (napr. kombi produkty depoz\'edt a investovania \'e8i \'9atrukt\'fara financovania b\'fdvania cez hypotek\'e1rny \'faver/\'faver na b\'fdvanie a z\'e1rove\'f2 spotrebn\'fd \'faver) c) produktom je aj konkr \'e9tny n\'e1stroj/in\'9atrument alebo prostriedok vypracovan\'fd finan\'e8nou in\'9atit\'faciou, ktor\'fd sa v\'9aak pon\'faka s v\'fdraznou z\'beavou alebo za v\'fdhodnej\'9a\'edch podmienok z d\'f4vodu, \'9ee ho klientom sprostredkov\'e1va konkr\'e9 tny finan\'e8n\'fd agent alebo finan\'e8n\'fd poradca spolupracuj\'faci s finan\'e8nou in\'9atit\'faciou Navrhovan\'e9 znenie: t) finan\'e8n\'fdm produktom je produkt, ktor\'fd je v\'fdsledkom \'e8innosti alebo s\'faboru \'e8innost\'ed finan\'e8nej in\'9a tit\'facie, finan\'e8n\'e9ho agenta alebo finan\'e8n\'e9ho poradcu zameran\'fdch na uspokojenie finan\'e8n\'fdch potrieb klienta. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 { \rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6773036 \par \par \par \par \par \par \par N \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid6773036 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid6773036\charrsid6773036 Defin\'edcia pojmu \'84finan\'e8n\'fd produkt \'93 nie je potrebn\'e1 vzh\'beadom na to, \'9ee v\~n\'e1vrhu z\'e1kona sa pojem nepou\'9e\'edva }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid11731964 tak frekventovane}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid6773036\charrsid6773036 , aby bola potrebn\'e1 jeho defin\'edcia. \par Navrhovate\'be pripomienky , po vysvetlen\'ed ust\'fapil od pripomienky (rozporov\'e9 konanie d\'f2a 17.7.2017). \par Rozpor odstr\'e1nen\'fd.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6773036 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow235\irowband235\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SBA \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 15. K bodu n\'e1vrhu 81- \'a7}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6773036 }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 32 ods.2}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme zru\'9ai\'9d povinnos\'9d informova\'9d o v\'fd\'9ake odmeny za finan \'e8n\'e9 sprostredkovanie. Od\'f4vodnenie: Smernica IDD v \'e8l. 19 vy\'9eaduje, aby sa klientovi poskytla inform\'e1cia o povahe odmeny vo vz\'9dahu k poistnej zmluve; novela z\'e1kona t\'fato povinnos\'9d roz\'9airuje a po\'9e aduje, aby sa poskytla inform\'e1ciu okrem in\'e9ho aj o "v\'fd\'9ake odmeny, ktor\'fa prij\'edma finan\'e8n\'fd agent za finan\'e8n\'e9 sprostredkovanie vo vz\'9dahu k uzatv\'e1ranej zmluve"; tak\'e1to povinnos\'9d je nielen nad r\'e1 mec smernice, ale je vo v\'e4\'e8\'9aine pr\'edpadov najm\'e4 nevykonate\'ben\'e1, preto\'9ee zjavne bola t\'e1to formul\'e1cia navrhnut\'e1 bez dostato\'e8n\'fdch inform\'e1ci\'ed o tom, ako sa odmeny alebo prov\'edzie po\'e8\'edtaj\'fa - v \'e8ase uzatv \'e1rania zmluvy nemus\'ed by\'9d finan\'e8n\'e9mu agentovi v\'f4bec zn\'e1ma v\'fd\'9aka odmeny vo vz\'9dahu ku konkr\'e9tnej zmluve, preto\'9ee nevie zoh\'beadni\'9d svoju celkov\'fa ro\'e8n\'fa produkciu, ktor\'e1 v\'fd\'9aku odmeny ovplyv\'f2uje. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6773036 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14366429 \par \par A \par \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6773036 \par \par \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow236\irowband236\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SBA \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 12. K bodu 57 n\'e1vrhu- \'a7 22 ods. 2}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme, aby sa lehota pre finan\'e8n\'e9 vzdel\'e1vanie a sk\'fa\'9aku pre z\'e1kladn\'fd a stredn\'fd stupe\'f2 odbornej sp\'f4sobilosti zmenila z ka\'9edoro\'e8nej na raz za dva roky. Od\'f4 vodnenie: Navrhovanou zmenou zo 4 ro\'e8n\'e9ho na ka\'9edoro\'e8n\'e9 vzdel\'e1vanie a sk\'fa\'9aku ne\'famerne vysok\'fdm sp\'f4sobom vzrastie pre agentov a finan\'e8n\'e9 in\'9atit\'facie administrat\'edvna n\'e1ro\'e8nos\'9d pr\'edpravy a kontroly tak \'fdchto vzdel\'e1van\'ed a sk\'fa\'9aok. Lehota by sa po\'e8\'edtala od posledn\'e9ho vzdelania /sk\'fa\'9aky ka\'9ed\'e9ho agenta a bolo by nutn\'e9 vies\'9d komplexne a podrobne lehoty \'efal\'9a\'edch sk\'fa\'9aok a s t\'fdm s\'favisiaceho mno\'9e stva organiza\'e8n\'fdch, technick\'fdch a administrat\'edvnych podmienok. Domnievame sa, \'9ee spr\'edsnenie vzdel\'e1vania /sk\'fa\'9aok zo 4 na 2 roky by bolo adekv\'e1tne a splnilo by v plnom rozsahu potrebu priebe\'9en\'e9ho vzdel\'e1 vania agentov. Navrhovan\'e9 znenie: \'84Fyzick\'e1 osoba, ktor\'e1 mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky pre z\'e1kladn\'fd stupe\'f2 odbornej sp\'f4sobilosti, je povinn\'e1 raz za dva roky absolvova\'9d osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie. Fyzick \'e1 osoba, ktor\'e1 mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky pre stredn\'fd stupe\'f2 odbornej sp\'f4sobilosti, je povinn\'e1 raz za dva roky absolvova\'9d osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie a \'faspe\'9ane vykona\'9d odborn\'fa sk\'fa\'9aku.\'93. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8398790 \par \'c8A\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid8398790 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8398790 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8398790 Znenie \'a7 22 ods. 2 z\~d\'f4vodu nejasnosti upraven\'e9. \par Predkladate\'be v\~zmysle jednotnej \'fapravy osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania a\~odbornej sk\'fa\'9aky, trv\'e1 na ka\'9edoro\'e8nom osobitnom finan\'e8nom vzdel\'e1van\'ed a\~4-ro\'e8nom opakovan\'ed odbornej sk\'fa\'9aky. \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8004379 Rozpor \'e8iasto\'e8ne odstr\'e1nen\'fd.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8398790\charrsid8398790 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow237\irowband237\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SBA \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 19. K bodu 102- \'a7 39}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odpor\'fa\'e8ame zv\'e1\'9ei\'9d, \'e8i takto vysok\'e9 sankcie s\'fa n\'e1le\'9eit\'e9. Maxim\'e1lna sankcia za ostatn\'e9 poru\'9aenia z\'e1kona je 200 000 \'80. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid11144648 \par N}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid11144648 \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid6648994 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid6648994 Pr\'e1vna \'faprava je v\~s\'falade s\~\'e8l. 9 smernice IDD.}{ \rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid6648994\charrsid6648994 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow238\irowband238\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SBA \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 11. K bodu n\'e1vrhu 56, \'a7 22 ods. 1}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Z\'e1kon pri OFV odkazuje na podz\'e1konn\'fd predpis, ktor\'fd vyd\'e1 MF SR. Preto navrhujeme upresni\'9d ako bud\'fa nastaven\'e9 po\'9eiadavky na pravideln\'e9 pre\'9ako\'beovanie. Preferujeme ponechanie s \'fa\'e8asn\'e9ho stavu (1kr\'e1t za 4roky) a ak by sa vzh\'beadom na IDD roz\'9airoval rozsah \'9akolenia a\'9e na 15 hod. navrhujeme aby to bol celkov\'fd r\'e1mec pre v\'9aetky sektory. Od\'f4vodnenie: V opa\'e8nom pr\'edpade by bolo potrebn\'e9 pre \'9ako\'beovanie 15 hod. pre ka\'9ed\'fd sektor (\'favery, poistenie, vklady, SDS), pri\'e8om v\'9aak v ka\'9edom \'9akolen\'ed je z\'e1sadn\'e1 \'e8as\'9d venovan\'e1 finan\'e8n\'e9mu poradenstvu a finan\'e8n\'e9mu sprostredkovaniu \'e8 o by viedlo k zbyto\'e8nej duplicite a ne\'famern\'e9mu za\'9da\'9eovaniu. Tak\'e9to nastavenie ur\'e8ite nepovedie k zv\'fd\'9aeniu kvality a odbornej sp\'f4sobilosti finan\'e8n\'fdch agentov a sprostredkovate\'beov. \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8004379 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8004379 \par \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14366429 A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8004379 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid8004379 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8004379 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14366429 Podz\'e1konn\'fd predpis bude novelizovan\'fd a\~predlo\'9een\'fd do legislat\'edvneho procesu.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8004379\charrsid8004379 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow239\irowband239\ltrrow\ts11\trqc\trleft-8\trbrdrt \brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 85 (\'a7 33 ods. 5 p\'edsm. d)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme text \'84na finan\'e8nej in\'9atit\'facii\'93 nahradi\'9d textom \'84vo finan\'e8nej in\'9atit\'facii\'93. Od\'f4vodnenie: jazykov\'e1 \'faprava bez zmeny v\'fdznamu. \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8666726 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow240\irowband240\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bodu 10 (\'a7 4 p\'edsm. i))}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme vypusti\'9d. Od\'f4vodnenie: navrhovate\'beom predkladan\'fa zmenu pova\'9eujeme za zbyto\'e8n\'fa. IDD v \'e8l\'e1nku 10 ods. 6 podporuje aj existuj\'faci re\'9eim a nevid\'edme d\'f4 vod na jeho zmenu. Pozri tie\'9e od\'f4vodnenie k bodom 72 a 73. Nie je \'9eiaduce, aby platby, ktor\'e9 finan\'e8n\'fd agent inkasuje boli veden\'e9 na rovnakom \'fa\'e8te ako platby, ktor\'e9 patria tomuto finan\'e8n\'e9mu agentovi. Inkasovan\'e9 platby nie s\'fa vlastn\'edctvom finan\'e8n\'e9ho agenta, finan\'e8n\'fd agent je iba platobn\'fdm miestom n\'e1rokov finan\'e8nej in\'9atit\'facie alebo klienta. Zaveden\'edm tejto zmeny d\'f4jde k nevyu\'9e\'edvaniu tohto in\'9atit\'fatu z obavy mo\'9e n\'e9ho postihnutia predmetn\'fdch prostriedkov exek\'faciou, alebo konkurzn\'fdm konan\'edm. V pr\'edpade, ak by sa jednalo o inkasovanie napr. poistn\'e9ho vo v\'e4\'e8\'9aom rozsahu (napr. leasingov\'e9 spolo\'e8nosti), eventu\'e1lne exeku\'e8n\'e9 alebo konkurzn\'e9 konanie by v kone\'e8nom d\'f4sledku mohlo ma\'9d vplyv aj na ukazovatele solventnosti pois\'9dovne. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14702411 \par \par \par \par N \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid9644364 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid10165962 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid10165962 Prij\'edmanie pe\'f2a\'9en\'fdch prostriedkov na osobitn\'fd \'fa\'e8et finan\'e8n\'e9ho agenta nie je \'fa\'e8eln\'e9 a\~v\~praxi \'9da\'9eko vykonate\'ben\'e9, najm\'e4 pokia\'be ide o\~prij\'edmanie jednej platby od klienta za viac produktov, napr. sprostredkovan\'e9 poistenie k\~poskytnut\'e9mu spotrebite\'besk \'e9mu \'faveru. \par }\pard \ltrpar\qj \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid10165962 {\rtlch\fcs1 \ab\af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid10165962\charrsid13842810 Taktie\'9e s}{\rtlch\fcs1 \af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid10165962\charrsid13842810 mernica \'e8. 2016/97 v\~\'e8l. 10 bod 6 ur\'e8uje pre \'e8lensk\'e9 \'9at\'e1ty mo\'9enos\'9d v\'fdberu prija\'9d potrebn\'e9 opatrenia na ochranu klienta pri platobnej neschopnosti finan\'e8n\'e9 ho agenta. Finan\'e8n\'e9 prostriedky od klienta sa okamihom prevzatia finan\'e8n\'fdm agentom pova\'9euj\'fa za finan\'e8n\'e9 p}{\rtlch\fcs1 \af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid10165962 rostriedky finan\'e8nej in\'9atit\'facie, tak ako je to uveden \'e9 v\~d\'f4vodovej spr\'e1ve. \par }{\rtlch\fcs1 \af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid12149005 Rozporov\'e9 konanie sa uskuto\'e8nilo d\'f2a 19.7.2017 \par Rozpor trv\'e1.}{\rtlch\fcs1 \af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid12149005\charrsid10165962 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow241\irowband241\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 18 (\'a7 11 ods. 7 a 9))}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V navrhovanom ustanoven\'ed \'a7 11 ods. 7 a 9 navrhujeme slovo \'84zabr\'e1ni\'9d\'93 nahradi\'9d slovom \'84zak\'e1za\'9d\'93. V odseku 10 navrhujeme text \'844, 6 a 8\'93 nahradi\'9d textom \'844 a\'9e 9\'93 . Od\'f4vodnenie: V praxi si nevieme predstavi\'9d ak\'fdmi in\'fdmi \'fakonmi ako z\'e1kazom NBS zabr\'e1ni poskytovaniu predmetn\'fdch slu\'9eieb. Navrhovan\'fd rozsah odsekov 4 a\'9e 9 najviac kore\'9aponduje z\'e1meru z\'e1konodarcu vyjadren\'e9 mu v tomto ustanoven\'ed. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9000810 \par \'c8A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow242\irowband242\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 77 (\'a7 30 ods. 4)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Ak bude ponechan\'e1 navrhovan\'e1 zmena v bodoch 72, 73, 74 (\'a7 28 ods. 4 p\'edsm. a), \'a7 28 ods. 5) navrhujeme v tomto ustanoven\'ed vypusti\'9d slovo \'84samostatn\'e9ho\'93. Od\'f4vodnenie: V \'a7 30 ods. 2 a 3 sa vypustilo slovo samostatn\'fd, a preto nevid\'edme opodstatnenie, pre\'e8o by NBS mal predklada\'9d poistn\'fa zmluvu spolu s dokladom o \'fahrade len samostatn\'fd finan\'e8n\'fd agent, ke\'ef sa stanovila povinnos\'9d aj viazan\'fd m a podriaden\'fdm agentom uzatvori\'9d s\'f3lo zmluvy. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14637393 \par N\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid14637393 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14637393\charrsid14637393 \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow243\irowband243\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 102 (\'a7 39)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Do v\'fdpo\'e8tu subjektov v \'a7 39 ods. 1 \'9eiadame doplni\'9d aj sprostredkovate\'bea doplnkov\'e9ho poistenia. \'8eiadame tie\'9e, aby ukladanie sankci\'ed pod\'bea \'a7 39 ods. 1 a 3 nebolo obligat\'f3rne, ale fakultat \'edvne. Od\'f4vodnenie: Ke\'ef\'9ee sprostredkovate\'be doplnkov\'e9ho poistenia je samostatnou kateg\'f3riou sprostredkovate\'bea, je potrebn\'e9 ho doplni\'9d do okruhu subjektov, ktor\'fdm m\'f4\'9ee by\'9d ulo\'9een\'e1 sankcia. Ustanovenie \'a7 11c pod\'bea n\'e1\'9aho n\'e1zoru nezaklad\'e1 mo\'9enos\'9d uklada\'9d sankcie, ke\'ef\'9ee hovor\'ed iba o tom, \'9ee na sprostredkovate\'bea doplnkov\'e9ho poistenia sa uplat\'f2uj\'fa ustanovenia tohto z\'e1kona upravuj\'face p\'f4sobenie podriaden \'e9ho finan\'e8n\'e9ho agenta, resp. viazan\'e9ho finan\'e8n\'e9ho agenta. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14366429 \par \par N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid14366429 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14366429 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14366429 Navrhovate\'be pripomienky na rozporovom konan\'ed d\'f2a 19.7.2017 ust\'fapil od navrhovanej pripomienky.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14366429\charrsid14366429 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow244\irowband244\ltrrow \ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 99 (\'a7 37b ods. 1)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Doplni\'9d v odkaze 41b) slovo \'84napr.\'93 pred slov\'e1 \'84Vykon\'e1vacie nariadenie EK\'93. Od\'f4vodnenie: Odkaz 41b) hovor\'ed len o vykon\'e1vacom nariaden\'ed Eur\'f3pskej komisie, ktor\'e9 sa v\'9aak bude t\'fdka \'9d iba produktov nonlife a informa\'e8n\'fd dokument sa m\'e1 t\'fdka\'9d aj ostatn\'fdch poistn\'fdch produktov. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6580466 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6580466 \par A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow245\irowband245\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. II bod 2 (\'a7 70 ods.2 p\'edsm. d))}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Na konci \'9eiadame doplni\'9d slov\'e1 \'84ak sprostredkovate\'be doplnkov\'e9ho poistenia nepodlieha osobitn\'fdm predpisom v oblasti finan\'e8n\'e9ho sprostredkovania18),\'93 Od\'f4vodnenie: spr esnenie navrhovan\'e9ho znenia, aby bolo zrejm\'e9, \'9ee pois\'9dov\'f2a m\'e1 povinnos\'9d plni\'9d informa\'e8n\'e9 povinnosti namiesto sprostredkovate\'bea doplnkov\'e9ho poistenia iba v pr\'edpade, ak s\'fa splnen\'e9 podmienky pod\'bea \'a7 1 ods. 3 p\'edsm. b) z\'e1kona \'e8. 186/2009 Z. z. a teda ide o analogick\'fa situ\'e1ciu, ako upravuje \'a7 33 ods. 14 z\'e1kona \'e8. 186/2009 Z. z. pre samostatn\'e9ho finan\'e8n\'e9ho agenta. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6580466 \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow246\irowband246\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 19 (\'a7 11c ods. 2 a 3)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhovan\'fdm ustanoven\'edm sa na sprostredkovate\'bea doplnkov\'e9ho poistenia zav\'e1dza re\'9eim viazan\'e9ho finan\'e8n\'e9ho agenta, resp. podriaden\'e9ho finan\'e8n\'e9ho agenta, pod\'bea sp\'f4sobu p\'f4 sobenia v sektora poistenia alebo zaistenia. Ustanovenia neobsahuj\'fa \'9eiadnu v\'fdnimku, preto sa vz\'9dahuj\'fa aj na po\'9eiadavky t\'fdkaj\'face sa odbornej sp\'f4sobilosti a povinnosti absolvova\'9d osobitn\'e9 finan\'e8n\'e9 vzdel\'e1 vanie a odborn\'fa sk\'fa\'9aku. V zmysle IDD plat\'ed, \'9ee po\'9eiadavka na odbornos\'9d vz\'9dahuje na v\'9aetky subjekty (t.j. aj na sprostredkovate\'bea doplnkov\'e9ho poistenia), ale po\'9eiadavka na vzdel\'e1vanie v rozsahu 15 hod\'edn plat\'ed iba pre riadnych sprostredkovate\'beov a zamestnancov finan\'e8nej in\'9atit\'facie (\'e8l\'e1nok 10 ods. 2 IDD). Navrhovan\'e9 znenie tento rozdiel nezoh\'bead\'f2uje. M\'f4\'9ee by\'9d s\'fa\'e8as\'9dou rie\'9aenia na \'farovni vyhl\'e1\'9aky, av\'9a ak n\'e1vrh vyhl\'e1\'9aky nebol predkladate\'beom predlo\'9een\'fd. Z\'e1rove\'f2 treba pripomen\'fa\'9d, \'9ee v takom pr\'edpade je potrebn\'e9, aby bolo zodpovedaj\'facim sp\'f4sobom formulovan\'e9 aj splnomoc\'f2ovacie ustanovenie v z\'e1kone. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6580466 \par \par \par \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid6580466 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6580466 N \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6580466 \par \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid6580466 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6580466 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid6580466 Rozsah osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania pre jednotliv\'e9 kateg\'f3rie bude upravova\'9d vyhl\'e1\'9aka, ktor\'fa vyd\'e1 MF SR.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6580466 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow247\irowband247\ltrrow \ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 90 (\'a7 33 ods. 14, pozn\'e1mka pod \'e8iarou \'e8. 39)}{ \rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme aktualizova\'9d odkazy na osobitn\'e9 predpisy uveden\'e9 v pozn\'e1mke pod \'e8iarou (z\'e1kon \'e8. 391/2015 Z. z. o alternat\'edvnom rie\'9aen\'ed spotrebite\'besk\'fd ch sporov a o zmene a doplnen\'ed niektor\'fdch z\'e1konov, z\'e1kon \'e8. 335/2014 Z. z. o spotrebite\'beskom rozhodcovskom konan\'ed a o zmene a doplnen\'ed niektor\'fdch z\'e1konov). \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6447846 \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow248\irowband248\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 90 (\'a7 33 ods. 14 p\'edsm. d))}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme doplni\'9d odkazy na z\'e1kony, ktor\'e9 upravuj\'fa informa\'e8n\'e9 dokumenty o poistn\'fdch produktoch v z\'e1vislosti od druhu poistn\'e9ho produktu. Od\'f4vodnenie: Je potrebn\'e9 zabezpe\'e8i\'9d , aby sa klientovi d\'e1val len jeden informa\'e8n\'fd dokument, preto\'9ee smernica zav\'e1dza pre nonlife IPID, pod\'bea z\'e1kona \'e8. 39/2015 Z.z. je povinnos\'9d poskytn\'fa\'9d klientovi informa\'e8n\'fd dokument o poistnom produkte \endash formul \'e1r a pod\'bea nariadenia PRIIPS \'efal\'9a\'ed dokument - KID. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O \cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6447846 \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid6447846 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6447846 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid7955376 N}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6447846 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid14705739 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid7955376\charrsid7955376 Nie je mo\'9en\'e9 upravi\'9d odkazom, nako\'beko pr\'edslu\'9an\'e1 eur\'f3pska legislat\'edva e\'9ate nebola vydan\'e1.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid6447846\charrsid7955376 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow249\irowband249\ltrrow \ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. II bod 1 (\'a7 70 ods. 1 p\'edsm. f)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme na za\'e8iatok vlo\'9ei\'9d slov\'e1: \'84pred uzavret\'edm poistnej zmluvy prostredn\'edctvom svojho zamestnanca\'93 Od\'f4vodnenie: Spresnenie v\'fdznamu ustanovenia. Pri formul\'e1cii pou\'9e itej predkladate\'beom by sa informa\'e8n\'e1 povinnos\'9d vz\'9dahovala na ak\'fako\'bevek poistn\'fa zmluvu (teda aj uzavieran\'fa prostredn\'edctvom sprostredkovate\'bea, kde v\'9aak logicky t\'fato povinnos\'9d m\'e1 plni\'9d sprostredkovate\'be). \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14705739 \par A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow250\irowband250\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. bodu 45 (\'a7 20a ods. 6)):}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme nov\'e9 znenie : \'84(6) Ak pr\'edslu\'9an\'fd org\'e1n doh\'beadu hostite\'besk\'e9ho \'e8lensk\'e9ho \'9at\'e1tu, na \'fazem\'ed ktor\'e9ho je umiestnen\'e1 pobo\'e8ka, upozorn\'ed N\'e1rodn\'fa banku Slovenska, \'9ee pobo\'e8ka pri vykon\'e1van\'ed svojej \'e8innosti na \'fazem\'ed tohto \'e8lensk\'e9ho \'9at\'e1tu vo ve\'bekom rozsahu poru\'9auje pr\'e1vne predpisy alebo svojou \'e8innos\'9dou vo ve\'bekom rozsahu po\'9akodzuje z\'e1 ujmy spotrebite\'beov hostite\'besk\'e9ho \'e8lensk\'e9ho \'9at\'e1tu, N\'e1rodn\'e1 banka Slovenska prijme potrebn\'e9 opatrenia na skon\'e8enie protipr\'e1vneho stavu. O prijat\'fdch opatreniach informuje aj pr\'edslu\'9an\'fd org\'e1n doh\'be adu hostite\'besk\'e9ho \'e8lensk\'e9ho \'9at\'e1tu. N\'e1rodn\'e1 banka Slovenska m\'f4\'9ee po\'9eiada\'9d Eur\'f3psky org\'e1n pre pois\'9dovn\'edctvo a d\'f4chodkov\'e9 poistenie zamestnancov o pomoc v s\'falade s osobitn\'fdm predpisom22b)\'93 Od\'f4 vodnenie: Zos\'faladenie so znen\'edm IDD, ktor\'e1 stanovuje, \'9ee mus\'ed \'eds\'9d o poru\'9aovanie povinnost\'ed vo ve\'bekom rozsahu a o po\'9akodzovanie z\'e1ujmov spotrebite\'beov nie klientov.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14749972 \par \par N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid14749972 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14749972 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14749972\charrsid14749972 Nie je mo\'9en\'e9 ustanovi\'9d povinnos\'9d org\'e1nu doh\'beadu hostite\'besk\'e9mu \'e8lensk\'e9mu \'9at\'e1t}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14749972 u.\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow251\irowband251\ltrrow \ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 18 (\'a7 11 ods. 3)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme nov\'e9 znenie \'a7 11 ods. 3: \'84Finan\'e8n\'fd sprostredkovate\'be z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu v sektore poistenia alebo zaistenia m\'f4\'9ee za\'e8a\'9d vykon\'e1va\'9d svoju \'e8innos\'9d na \'faze m\'ed Slovenskej republiky prostredn\'edctvom pobo\'e8ky po doru\'e8en\'ed ozn\'e1menia N\'e1rodnej banky Slovenska pod\'bea odseku 2 alebo po uplynut\'ed lehoty 30 dn\'ed odo d\'f2a doru\'e8enia ozn\'e1menia pod\'bea odseku 1 N\'e1 rodnej banke Slovenska. Od\'f4vodnenie: jazykov\'e1 \'faprava. Pobo\'e8ka nem\'e1 pr\'e1vnu subjektivitu, teda \'e8innos\'9d nevykon\'e1va pobo\'e8ka, ale finan\'e8n\'fd sprostredkovate\'be z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu prostredn\'ed ctvom svojej pobo\'e8ky na \'fazem\'ed Slovenskej republiky (vi\'ef analogick\'e1 \'faprava v \'a7 11a ods. 1 n\'e1vrhu z\'e1kona). \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 { \rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5535767 \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow252\irowband252\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 19 (\'a7 11c)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme nov\'e9 znenie \'a7 11c odsek 1: \'84(1) Sprostredkovate\'beom doplnkov\'e9ho poistenia sa rozumie osoba in\'e1 ako banka, zahrani\'e8n\'e1 banka, pobo\'e8ka zahrani\'e8nej banky, obchodn\'edk s cenn\'fd mi papiermi, zahrani\'e8n\'fd obchodn\'edk s cenn\'fdmi papiermi, pobo\'e8ka zahrani\'e8n\'e9ho obchodn\'edka s cenn\'fdmi papiermi, spr\'e1vcovsk\'e1 spolo\'e8nos\'9d, zahrani\'e8n\'e1 spr\'e1vcovsk\'e1 spolo\'e8nos\'9d, pobo\'e8ka zahrani\'e8nej spr\'e1 vcovskej spolo\'e8nosti a zahrani\'e8n\'e1 investi\'e8n\'e1 spolo\'e8nos\'9d, ktor\'e1 za odmenu vykon\'e1va finan\'e8n\'e9 sprostredkovanie v sektore poistenia alebo zaistenia ako doplnkov\'fa \'e8innos\'9d, ak s\'fa splnen\'e9 tieto podmienky: a) jej hlavnou z\'e1robkovou \'e8innos\'9dou nie je finan\'e8n\'e9 sprostredkovanie v sektore poistenia alebo zaistenia, b) osoba pon\'faka len ur\'e8it\'e9 poistn\'e9 produkty, ktor\'e9 s\'fa doplnkom tovaru alebo slu\'9eby, c) pr\'eds lu\'9an\'e9 poistn\'e9 produkty nezah\'e0\'f2aj\'fa \'9eivotn\'e9 poistenie ani rizik\'e1 vypl\'fdvaj\'face zo zodpovednosti, s v\'fdnimkou pr\'edpadov, ak predstavuj\'fa doplnok tovaru alebo slu\'9eby, ktor\'e9 t\'e1to osoba v r\'e1mci svojej hlavnej z \'e1robkovej \'e8innosti.\'93 Od\'f4vodnenie: legislat\'edvno-technick\'e9 \'fapravy s cie\'beom spresni\'9d v\'fdznam ustanovenia a zabezpe\'e8i\'9d s\'falad s ostatn\'fdmi ustanoveniami z\'e1kona: - pojem hlavn\'e1 odborn\'e1 \'e8innos\'9d je nahraden \'fd pojmom hlavn\'e1 z\'e1robkov\'e1 \'e8innos\'9d (v nem\'e8ine \'84hauptberuflich bzw. als Hauptgesch\'e4ftszweck\'93, v angli\'e8tine \'84principal professional activity\'93); - slovo \'84produkt\'93 je nahraden\'fd slovom \'84tovar\'93, \'e8o kore \'9aponduje so sledovan\'fdm cie\'beom (nem\'e1 zmysel osobitne uv\'e1dza\'9d \'84produkty\'93 alebo \'84slu\'9eby\'93, ke\'ef\'9ee aj \'84slu\'9eba\'93 je \'84produktom\'93) ako aj s vymedzen\'edm uveden\'fdm v \'a7 1 ods. 3 p\'edsm. b) z\'e1kona ; - nespr\'e1vne pou\'9eit\'fd pojem \'84hmotn\'e1 zodpovednos\'9d\'93 bol nahraden\'fd \'9air\'9a\'edm pojmom \'84zodpovednos\'9d\'93. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 { \rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12787281 \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow253\irowband253\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 60 (\'a7 22 ods. 8)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme nov\'e9 znenie \'a7 22 ods. 8 : \'84(8) \'da\'e8astn\'edk osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania, \'fa\'e8astn\'edk odbornej sk\'fa\'9aky a odbornej sk\'fa\'9aky s certifik\'e1tom je na \'fa\'e8 ely svojej identifik\'e1cie povinn\'fd poskytn\'fa\'9d N\'e1rodnej banke Slovenska, osobe poverenej N\'e1rodnou bankou Slovenska pod\'bea odseku 3, finan\'e8nej in\'9atit\'facii pod\'bea \'a7 22a ods. 2 a poskytovate\'beovi osobitn\'e9ho finan\'e8n\'e9 ho vzdel\'e1vania osobn\'e9 \'fadaje v rozsahu meno, priezvisko, adresa trval\'e9ho pobytu, adresa prechodn\'e9ho pobytu na \'fazem\'ed Slovenskej republiky, ak existuje a rodn\'e9 \'e8\'edslo, ak bolo pridelen\'e9. Ak rodn\'e9 \'e8\'edslo na \'fazem\'ed Slovenskej republiky nebolo pridelen\'e9, nahr\'e1dza sa d\'e1tumom narodenia. Tieto \'fadaje sa vyu\'9e\'edvaj\'fa aj v zoznamoch veden\'fdch pod\'bea odseku 9. N\'e1rodn\'e1 banka Slovenska, osoba poveren\'e1 N\'e1rodnou bankou Slovenska pod\'be a odseku 3, finan\'e8n\'e1 in\'9atit\'facia pod\'bea \'a7 22a ods. 2 a poskytovate\'be osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania s\'fa opr\'e1vnen\'ed aj bez s\'fahlasu sprac\'fava\'9d osobn\'e9 \'fadaje pod\'bea prvej vety na \'fa\'e8el vykon\'e1 vania osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania, na \'fa\'e8el zabezpe\'e8enia odbornej sk\'fa\'9aky a na \'fa\'e8el zdokumentovania t\'fdchto \'e8innost\'ed. Od\'f4vodnenie: Dop\'e5\'f2a sa z\'e1konn\'e9 opr\'e1vnenie na sprac\'favanie osobn\'fdch \'fadajov aj pre finan\'e8n\'fa in\'9atit\'faciu pri v\'fdkone osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12787281 \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid5920769 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12787281 A \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12787281 \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow254\irowband254\ltrrow\ts11\trqc\trleft-8\trbrdrt \brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bodu 12 (\'a7 4 p\'edsm. s)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme nov\'e9 znenie p\'edsmena s): \'84s) investi\'e8n\'fdm produktom zalo\'9een\'fdm na poisten\'ed je poistn\'fd produkt, ktor\'fd pon\'faka plnenie na konci poistnej doby alebo odkupn\'fa hodnotu, pri \'e8om plnenie na konci poistnej doby alebo odkupn\'e1 hodnota s\'fa \'faplne alebo \'e8iasto\'e8ne, priamo alebo nepriamo vystaven\'e9 pohybom na finan\'e8nom trhu a nezah\'e0\'f2a: 1. produkty odvetv\'ed ne\'9eivotn\'e9ho poistenia pod\'bea osobitn\'e9 ho predpisu21b), 2. zmluvy \'9eivotn\'e9ho poistenia, ak poistn\'e1 zmluva pon\'faka poistn\'e9 plnenie iba pre pr\'edpad smrti alebo z d\'f4vodu pracovnej neschopnosti alebo invalidity v d\'f4sledku \'farazu, choroby alebo zdravotn\'e9 ho postihnutia, 3. produkty starobn\'e9ho d\'f4chodkov\'e9ho sporenia14b), 4. produkty doplnkov\'e9ho d\'f4chodkov\'e9ho sporenia12).\'93 Pozn\'e1mky pod \'e8iarou k odkazom 21a a 21b znej\'fa: \'8421a) \'a7 41 a 42 z\'e1kona \'e8. 429/2002 Z. z. v znen \'ed neskor\'9a\'edch predpisov. 21b) Pr\'edloha \'e8. 1 z\'e1kona \'e8. 39/2015 Z. z. o pois\'9dovn\'edctve a o zmene a doplnen\'ed niektor\'fdch z\'e1konov v znen\'ed neskor\'9a\'edch predpisov.\'93. Od\'f4vodnenie: Navrhujeme spresnenie defin\'ed cie v s\'falade s pojmami pou\'9e\'edvan\'fdmi vo vn\'fatro\'9at\'e1tnom pr\'e1ve. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5920769 \par \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow255\irowband255\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. II bod 3 (\'a7 70 ods. 13)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme nov\'e9 znenie: \'93(13) Pois\'9dov\'f2a a pobo\'e8ka zahrani\'e8nej pois\'9dovne, ktor\'e9 vyprac\'favaj\'fa poistn\'fd produkt, poskytn\'fa finan\'e8n\'e9mu agentovi alebo sprostredkovate\'beovi doplnkov\'e9 ho poistenia, s ktor\'fdm maj\'fa uzavret\'fa zmluvu pod\'bea osobitn\'e9ho predpisu18) alebo finan\'e8n\'e9mu poradcovi, ktor\'fd o to po\'9eiada, v\'9aetky vhodn\'e9 inform\'e1cie o poistnom produkte a schva\'beovacom procese poistn\'e9ho produktu vr \'e1tane ur\'e8en\'e9ho cie\'beov\'e9ho trhu poistn\'e9ho produktu.\'93 Od\'f4vodnenie: Spresnenie formul\'e1cie \endash nahradenie slovn\'e9ho spojenia \'84pr\'edslu\'9an\'e9 inform\'e1cie\'93 slovn\'fdm spojen\'edm \'84v\'9aetky vhodn\'e9 inform\'e1cie \'93 s oh\'beadom na znenie smernice (anglick\'e9 znenie: \'84all appropriate information\'93, nemeck\'e9 znenie: \'84s\'e4mtliche sachgerechten Informationen\'93) a doplnenie informa\'e8nej povinnosti a rozmer spolupr\'e1ce tak, aby sa povinnos\'9d vz \'9dahovala iba k subjektom, s ktor\'fdm pr\'edslu\'9an\'e1 pois\'9dov\'f2a spolupracuje. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12987199 \par \par \par \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid16674387 A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12987199 \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow256\irowband256\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. II bod 3 (\'a7 70 ods. 10)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme nov\'e9 znenie: \'84(10) Pois\'9dov\'f2a a pobo\'e8ka zahrani\'e8nej pois\'9dovne s\'fa povinn\'e9 zavies\'9d, uplat\'f2ova\'9d a prehodnocova\'9d proces schva\'beovania pre ka\'9ed\'fd poistn\'fd produkt, ktor \'e9ho s\'fa tvorcami. Schva\'beovac\'edm procesom mus\'ed prejs\'9d ka\'9ed\'fd poistn\'fd produkt alebo jeho v\'fdznamn\'e1 zmena, a to e\'9ate pred uveden\'edm na finan\'e8n\'fd trh alebo pred predajom potenci\'e1lnemu klientovi a klientovi. Schva\'be ovac\'ed proces poistn\'e9ho produktu mus\'ed by\'9d pre dan\'fd poistn\'fd produkt vhodn\'fd a primeran\'fd jeho povahe.\'93 Od\'f4vodnenie: spresnenie formul\'e1cie ustanovenia s oh\'beadom na znenie \'e8l\'e1nku 25 ods. 1 IDD. \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid16674387 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid16674387 \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow257\irowband257\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. II bod 3 (\'a7 70 ods. 11)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme nov\'e9 znenie: \'84(11) Schva\'beovac\'ed proces poistn\'e9ho produktu mus\'ed vymedzi\'9d cie\'beov\'fd trh pre ka\'9ed\'fd poistn\'fd produkt, zabezpe\'e8i\'9d pos\'fadenie v\'9aetk\'fdch relevantn\'fdch riz \'edk s oh\'beadom na tak\'fdto vymedzen\'fd cie\'beov\'fd trh a zabezpe\'e8i\'9d, aby distribu\'e8n\'e1 strat\'e9gia poistn\'e9ho produktu zodpovedala ur\'e8en\'e9mu cie\'beov\'e9mu trhu a aby sa prijali primeran\'e9 opatrenia s cie\'beom zabezpe\'e8i \'9d predaj poistn\'e9ho produktu ur\'e8en\'e9mu cie\'beov\'e9mu trhu.\'93. Od\'f4vodnenie: spresnenie formul\'e1cie ustanovenia s oh\'beadom na znenie \'e8l\'e1nku 25 ods. 1 IDD. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid16127907 \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow258\irowband258\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 99 (\'a7 37c ods. 3)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme nov\'e9 znenie: \'84(3) Ak je poistn\'fd produkt doplnkom k tovaru alebo slu\'9ebe, ktor\'e1 nie je poisten\'edm, ako s\'fa\'e8as\'9d bal\'edka alebo jednej zmluvy, finan\'e8n\'fd agent alebo finan\'e8n\'fd poradca pon\'fakne klientovi mo\'9enos\'9d k\'fapi\'9d tovar alebo slu\'9ebu oddelene.\'93 Od\'f4vodnenie: spresnenie textu, nahradenie pojmu \'84produkt\'93 pojmom \'84tovar\'93 v s\'falade s ostatn\'fdmi v\'fdskytmi v texte n\'e1vrhu a v s\'falade s in \'fdmi jazykov\'fdmi vyhotoveniami smernice (anglick\'e1 verzia: \'84good\'93, nemeck\'e1 verzia: \'84Ware\'93, \'e8esk\'e1 verzia \'84zbo\'9e\'ed\'93). Na koniec \'a7 37c ods. 3 navrhujeme vlo\'9ei\'9d vetu: \'84Povinnos\'9d pod\'bea predch\'e1dzaj\'fa cej vety neplat\'ed ak je poistn\'fd produkt doplnkom investi\'e8nej slu\'9eby alebo platobn\'e9ho \'fa\'e8tu.\'93 Od\'f4vodnenie: doplnenie v\'fdnimiek v s\'falade s \'e8l\'e1nkom 24 ods. 3 IDD. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3556318 \par \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid3556318 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3556318 \par \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow259\irowband259\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 99 (\'a7 37d ods. 3))}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme nov\'e9 znenie: \'84(3) Vyhl\'e1senie o vhodnosti pod\'bea \'a7 35 ods. 5 obsahuje v pr\'edpade investi\'e8n\'e9ho produktu zalo\'9een\'e9ho na poisten\'ed aj inform\'e1cie o tom, ako odpor\'fa\'e8anie finan\'e8n \'e9ho agenta alebo finan\'e8n\'e9ho poradcu sp\'e5\'f2a preferencie, ciele a in\'e9 charakteristiky klienta. Ak sa zmluva o investi\'e8nom produkte zalo\'9eenom na poisten\'ed uzaviera prostredn\'edctvom prostriedkov dia\'bekovej komunik\'e1cie, ktor\'e9 neumo\'9e\'f2uj\'fa poskytnutie vyhl\'e1senia o vhodnosti pred uzavret\'edm zmluvy, finan\'e8n\'fd agent alebo finan\'e8n\'fd poradca m\'f4\'9ee poskytn\'fa\'9d klientovi vyhl\'e1senie o vhodnosti na trvanlivom m\'e9 diu aj bezprostredne po tom, ako klient uzavrie zmluvu o investi\'e8nom produkte zalo\'9eenom na poisten\'ed, ak klient s\'fahlasil s prijat\'edm tohto vyhl\'e1senia po uzavret\'ed zmluvy a finan\'e8n\'fd agent alebo finan\'e8n\'fd por adca poskytol klientovi mo\'9enos\'9d odlo\'9ei\'9d uzavretie zmluvy s cie\'beom umo\'9eni\'9d prijatie vyhl\'e1senia o vhodnosti pred uzavret\'edm zmluvy.\'93 Od\'f4vodnenie: doplnen\'e1 prv\'e1 veta je transpoz\'edciou \'e8l\'e1 nku 30 ods. 5 IDD. V druhej vete do\'9alo k spresneniu informa\'e8nej povinnosti a jej zos\'faladeniu s \'e8l\'e1nkom 30 ods. 5 IDD, najm\'e4: - povinnos\'9d sa roz\'9a\'edrila aj na finan\'e8n\'e9ho poradcu - zo znenia sa vypustila zmienka o potenci\'e1 lnom klientovi, ke\'ef\'9ee v tomto pr\'edpade je zrejm\'e9, \'9ee s\'fa naplnen\'e9 defini\'e8n\'e9 znaky klienta (je mu poskytovan\'e9 finan\'e8n\'e9 sprostredkovanie alebo finan\'e8n\'e9 poradenstvo) a nem\'f4\'9ee \'eds\'9d o potenci\'e1 lneho klienta - doplnila sa nemo\'9enos\'9d poskytn\'fa\'9d vyhl\'e1senie o vhodnosti pred uzavret\'edm zmluvy v zmysle po\'9eiadavky smernice. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4931953 \par \par \par \par \par \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow260\irowband260\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 99 (\'a7 37d ods. 1 p\'edsm. b))}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme nov\'e9 znenie: \'84b) vo vz\'9dahu k pon\'fakan\'e9mu investi\'e8n\'e9mu produktu zalo\'9een\'e9mu na poisten\'ed a k navrhovan\'fdm investi\'e8n\'fdm strat\'e9gi\'e1m, primeran\'e9 odpor\'fa\'e8 ania a upozornenia na rizik\'e1 spojen\'e9 s investi\'e8n\'fdm produktom zalo\'9een\'fdm na poisten\'ed alebo s konkr\'e9tne navrhnut\'fdmi investi\'e8n\'fdmi strat\'e9giami,\'93 Od\'f4vodnenie: spresnenie textu s oh\'beadom na nedokonalosti slovensk\'e9 ho jazyka. Z predkladate\'beom navrhnutej formul\'e1cie nebolo zrejm\'e9, \'e8i sa odpor\'fa\'e8ania a upozornenia maj\'fa vz\'9dahova\'9d iba na investi\'e8n\'e9 strat\'e9gie alebo aj na samotn\'fd investi\'e8n\'fd produkt. \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12388109 \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow261\irowband261\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 85 (\'a7 33 ods. 5 p\'edsm. e)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme nov\'e9 znenie: \'84e) kvalifikovan\'fa \'fa\'e8as\'9d finan\'e8nej in\'9atit\'facie alebo osoby ovl\'e1daj\'facej t\'fato finan\'e8n\'fa in\'9atit\'faciu na z\'e1kladnom iman\'ed alebo na hlasovac\'ed ch pr\'e1vach finan\'e8n\'e9ho poradcu, ak ide o finan\'e8n\'fa in\'9atit\'faciu vykon\'e1vaj\'facu \'e8innos\'9d v sektoroch, v ktor\'fdch m\'e1 finan\'e8n\'fd poradca udelen\'e9 povolenie na vykon\'e1vanie \'e8innosti.\'93 Od\'f4vodnenie: legislat\'ed vno-technick\'e1 \'faprava. Predkladate\'beom navrhovan\'e9 znenie nebolo zrozumite\'ben\'e9. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12388109 \par A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow262\irowband262\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. II bod 1 (\'a7 70 ods. 1 p\'edsm. e))}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme nov\'e9 znenie: \'84e) poskytn\'fa\'9d potenci\'e1lnemu neprofesion\'e1lnemu klientovi30) jednozna\'e8ne presn\'fdm a zrozumite\'ben\'fdm sp\'f4sobom p\'edsomne alebo na inom trvanlivom m\'e9diu inform \'e1ciu o existencii a povahe odmeny vypl\'e1canej jej zamestnancom vo vz\'9dahu k uzatv\'e1ranej poistnej zmluve,\'93 Od\'f4vodnenie: Jazykov\'e1 \'faprava (zos\'faladenie terminol\'f3gie \endash z\'e1kon o pois\'9dovn\'edctve pou\'9e\'ed va pojem potenci\'e1lny klient, nie potencion\'e1lny klient), zavedenie odkazu na defin\'edciu neprofesion\'e1lneho klienta pod\'bea z\'e1kona \'e8. 186/2009 Z.z. a zos\'faladenie s \'fapravou, ktor\'fa navrhujeme vykona\'9d v \'a7 32 z\'e1kona \'e8 . 186/2009 Z. z. (informovanie iba o povahe odmeny, nie o jej v\'fd\'9ake). Pozn\'e1mka: V tejto s\'favislosti d\'e1vame do pozornosti, \'9ee znenie predlo\'9een\'e9 predkladate\'beom neodkazuje na defin\'edciu odmeny pod\'bea z\'e1kona \'e8 . 186/2009 Z. z. a neobsahuje ani \'e8asov\'fd aspekt (\'9ee informovanie je potrebn\'e9 vykona\'9d pred uzavret\'edm poistnej zmluvy). \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 { \rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14449145 \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow263\irowband263\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. II bod 1 (\'a7 70 ods. 1 p\'edsm. g))}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme nov\'e9 znenie: \'84g) pri reklame a propag\'e1ci\'ed svojich poistn\'fdch produktov poskytova\'9d pravdiv\'e9, jasn\'e9, preh\'beadn\'e9 a nezav\'e1dzaj\'face inform\'e1cie. Reklama a propag\'e1 cia smerovan\'e1 ku klientovi alebo potenci\'e1lnemu klientovi mus\'ed by\'9d v\'9edy identifikovate\'ben\'e1 ako reklama alebo propag\'e1cia; ak vzh\'beadom na okolnosti pr\'edpadu nemus\'ed by\'9d povaha inform\'e1cie klientovi alebo potenci\'e1 lnemu klientovi zrejm\'e1, mus\'ed pois\'9dov\'f2a a pobo\'e8ka zahrani\'e8nej pois\'9dovne v reklame alebo propag\'e1cii uvies\'9d jednozna\'e8n\'fa inform\'e1ciu, \'9ee sa jedn\'e1 o reklamu alebo propag\'e1ciu,\'93 Od\'f4vodnenie: Smernica vy\'9e aduje aby bola marketingov\'e1 komunik\'e1cia identifikovate\'ben\'e1 (\'e8l\'e1nok 17 ods. 2). To neznamen\'e1, \'9ee ka\'9ed\'e1 reklamn\'e1/marketingov\'e1 komunik\'e1cia mus\'ed by\'9d osobitne ozna\'e8en\'e1, ide iba o to, aby klient v\'9e dy vedel rozozna\'9d, \'9ee sa jedn\'e1 o propag\'e1ciu. Teda ak je zrejm\'e9, \'9ee ide o reklamu (napr. reklamn\'fd spot vysielan\'fd v reklamnom bloku), nie je potrebn\'e9 uv\'e1dza\'9d osobitn\'e9 vysvetlenie alebo dopl\'f2uj\'facu inform\'e1ciu. Ak v \'9aak p\'f4jde napr. o inzertn\'fd \'e8l\'e1nok vo forme napr. platen\'e9ho rozhovoru, tam m\'e1 zmysel uv\'e1dza\'9d inform\'e1ciu o tom, \'9ee ide o marketingov\'fa komunik\'e1ciu. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12871477 \par \par \par \par A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow264\irowband264\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l I bod 90 (\'a7 33 ods. 13):}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme nov\'e9 znenie: \'84Poskytovanie inform\'e1ci\'ed pod\'bea odsekov 11 a 12 s pou\'9eit\'edm in\'e9ho trvanliv\'e9ho m\'e9dia ako je listinn\'e1 podoba alebo prostredn\'edctvom webov\'e9ho s\'eddla sa pova\'9e uje za vhodn\'e9 s oh\'beadom podmienku uveden\'fa v ods. 12 p\'edsm. a) v pr\'edpade, ak existuje d\'f4kaz, \'9ee klient m\'e1 pravideln\'fd pr\'edstup na internet. Za tak\'fdto d\'f4kaz sa pova\'9euje skuto\'e8nos\'9d, \'9ee klient na \'fa\'e8 el uzavretia zmluvy o finan\'e8nej slu\'9ebe poskytol e-mailov\'fa adresu.\'93 Od\'f4vodnenie: Predkladate\'beom navrhovan\'e9 znenie nie je v s\'falade so smernicou. Informovanie prostredn\'edctvom webov\'e9ho s\'eddla m\'e1 by\'9d mo\'9en\'e9 v\'9e dy, ak je d\'f4kaz, \'9ee klient m\'e1 pravideln\'fd pr\'edstup k internetu. Poskytnutie e-mailu sl\'fa\'9ei iba ako pr\'e1vna domnienka, \'9ee klient tak\'fd pr\'edstup m\'e1 (\'e8l\'e1nok 23 ods. 6) a sl\'fa\'9ei ako interpreta\'e8n\'e9 pravidlo k podmienke uvedenej v \'a7 33 ods. 12 p\'edsm. a). \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15750506 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15750506 \par \par \par \par A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow265\irowband265\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 45 (\'a7 20b ods. 6)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme nov\'e9 znenie: \'84(6) Ak pr\'edslu\'9an\'fd org\'e1n doh\'beadu hostite\'besk\'e9ho \'e8lensk\'e9ho \'9at\'e1tu upozorn\'ed N\'e1rodn\'fa banku Slovenska, \'9ee osoby uveden\'e9 v odseku 1 pri vykon\'e1van\'ed svojej \'e8innosti na \'fazem\'ed tohto \'e8lensk\'e9ho \'9at\'e1tu vo ve\'bekom rozsahu poru\'9auj\'fa pr\'e1vne predpisy alebo svojou \'e8innos\'9dou vo ve\'bekom rozsahu po\'9akodzuj\'fa z\'e1ujmy spotrebite\'beov hostite\'besk\'e9ho \'e8lensk\'e9ho \'9at\'e1tu, N\'e1rodn\'e1 banka Slovenska do jedn\'e9ho mesiaca od tak\'e9hoto upozornenia prijme potrebn\'e9 opatrenia na n\'e1pravu za \'fa\'e8elom skon\'e8enia protipr\'e1vneho stavu. N\'e1rodn\'e1 banka Slovenska m\'f4\'9ee po\'9eiada\'9d Eur\'f3 psky org\'e1n doh\'beadu (Eur\'f3psky org\'e1n pre bankovn\'edctvo) o pomoc v s\'falade s osobitn\'fdm predpisom,22d) ak nes\'fahlas\'ed s opatreniami prijat\'fdmi pr\'edslu\'9an\'fdm org\'e1nom doh\'beadu hostite\'besk\'e9ho \'e8lensk\'e9ho \'9at\'e1tu. \'93 Od\'f4vodnenie: Zos\'faladenie so znen\'edm IDD, ktor\'e1 stanovuje, \'9ee mus\'ed \'eds\'9d o poru\'9aovanie povinnost\'ed vo ve\'bekom rozsahu a o po\'9akodzovanie z\'e1ujmov spotrebite\'beov nie klientov. \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14449145 \par N \par \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9062990 \par \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid14449145 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14449145 \par \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14449145\charrsid14749972 Nie je mo\'9en\'e9 ustanovi\'9d povinnos\'9d org\'e1nu doh\'beadu hostite\'besk\'e9mu \'e8lensk\'e9mu \'9at\'e1t}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14449145 u.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow266\irowband266\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 18 (\'a7 11 ods. 10) }{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme pod\'bea odsekov 4, 6 a 8 nahradi\'9d slovami \'84pod\'bea odsekov 4, 7 a\'9e 9\'93. Od\'f4vodnenie: Navrhujeme upravi\'9d odkazy na odseky 4,6 a 8, preto\'9ee opatrenia s\'fa prijat\'e9 pod\'bea odsekov 4, 7 a \'9e 9. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9062990 A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow267\irowband267\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 61 (\'a7 22a ods. 1)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme pred slovo \'84osobu\'93 doplni\'9d slovo \'84fyzick\'fa\'93 a za slovo \'84kurzy\'93 doplni\'9d \'e8iarku a slovo \'84e-learning\'93. Od\'f4vodnenie: V celom texte z\'e1kona sa pou\'9e\'edva spojenie fyzick\'e1 alebo pr\'e1vnick\'e1 osoba. Navrhujeme tie\'9e v z\'e1kone vyslovene uvies\'9d formu OFV \endash e-learning. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid7613924 \par \'c8A \par \cell }\pard \ltrpar\qj \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid7613924 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid7613924\charrsid7613924 E-learning }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid7613924 je obsiahnut\'fd vo formul\'e1cii \'84in\'e9 formy vzdel\'e1vania\'93.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid7613924\charrsid7613924 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow268\irowband268\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 84 (\'a7 33 ods. 4 p\'edsm. f)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme preformulova\'9d. Od\'f4vodnenie: pou\'9eit\'fd pojem \'84be\'9en\'e9 platby\'93 nie je ur\'e8it\'fd. Cie\'beom bolo transponova\'9d ustanovenie \'e8l\'e1nku 19 ods. 3 IDD, to sa v\'9aak vz\'9d ahuje iba na poistn\'e9 zmluvy (slovensk\'fd preklad uv\'e1dza \'84be\'9en\'e9 platby poistn\'e9ho \'e8i pravideln\'e9 platby\'93, anglick\'e1 verzia \'84ongoing premiums and scheduled payments\'93, nemeck\'e1 verzia \'84laufenden Pr\'e4 mienzahlungen oder planm\'e4\'dfigen Zahlungen\'93). Zov\'9aeobecnenie na v\'9aetky zmluvy o finan\'e8nej slu\'9ebe by malo by\'9d jednozna\'e8nej\'9aie, aby bolo zrejm\'e9, o ktor\'fdch platb\'e1ch m\'e1 sprostredkovate\'be informova\'9d a o ktor\'fd ch nie (\'e8o to je napr. v pr\'edpade be\'9en\'e9ho \'fa\'e8tu? Ak\'e1ko\'bevek platba okrem poplatku za vedenie \'fa\'e8tu?). \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 { \rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14449145 \par N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid14449145 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14449145 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14449145 Znenie novely z\'e1kona je v\~s\'falade so smernicou IDD.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14449145\charrsid14449145 \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow269\irowband269\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 K n\'e1vrhu z\'e1kona ako celku}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme prepracovanie predlo\'9een\'e9ho materi\'e1lu a jeho predlo\'9eenie do MPK ako nov\'e9ho a samostatn\'e9ho n\'e1vrhu z\'e1kona o distrib\'facii poistenia. Ostatn\'e9 sektory finan\'e8n\'e9ho trhu zostan\'fa predmetom \'fapravy s\'fa\'e8asn\'e9ho z\'e1kona \'e8. 186/2009 Z. z. o FSaFP. Od\'f4vodnenie: Filozofia pou\'9eit\'e1 predkladate\'beom t. j. transpoz\'edcia smernice o distrib\'facii poistenia (IDD) do z\'e1kona upravuj\'faceho finan\'e8n\'e9 sprostredkovanie a poradenstvo komplexne na celom finan\'e8nom trhu vyvol\'e1va mno\'9estvo transpozi\'e8n\'fdch deficitov a goldplating na in\'e9 sektory finan\'e8n\'e9ho trhu, na ktor\'e9 sa IDD nevz\'9dahuje. Preto ako najvhodnej\'9aie a najpreh\'be adnej\'9aie sa jav\'ed upravi\'9d oblas\'9d distrib\'facie poistenia samostatn\'fdm z\'e1konom. Alternat\'edvne navrhujeme novelizova\'9d platn\'fd ZoFSaP formou jeho \'e8lenenia pod\'bea jednotliv\'fdch sektorov finan\'e8n\'e9ho trhu. Tento n\'e1\'9a n \'e1vrh podporuje aj rozsah novely z\'e1kona t. j. ve\'bek\'fd po\'e8et noveliza\'e8n\'fdch bodov a mno\'9estvo vznesen\'fdch pripomienok. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid16339386 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid16339386 \par \par \par \par N \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid3556318 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid3556318\charrsid3556318 Vypraco}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid3556318\charrsid8460972 vanie}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid3556318 nov\'e9ho z\'e1kona nie je v\~s\'falade s\~Pl\'e1nom legislat\'edvnych \'faloh vl\'e1dy SR na rok 2017. \par Rozpor trv\'e1.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3556318 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow270\irowband270\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 23 (\'a7 14 ods. 6)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme prv\'fa vetu nahradi\'9d nov\'fdmi dvoma vetami, ktor\'e9 znej\'fa: \'84Ak je n\'e1vrh na z\'e1pis ne\'fapln\'fd alebo poplatok za n\'e1vrh na z\'e1pis nebol uhraden\'fd, N\'e1rodn\'e1 banka Slovenska vyzve navrhovate\'bea na jeho doplnenie spolu s ur\'e8en\'edm lehoty primeranej k rozsahu \'fadajov potrebn\'fdch na doplnenie. Ak ne\'fapln\'fd n\'e1vrh v ur\'e8enej lehote nie je doplnen\'fd alebo poplatok za n\'e1vrh na z\'e1 pis nebol uhraden\'fd, na tak\'fdto n\'e1vrh sa h\'bead\'ed ako keby nebol podan\'fd a N\'e1rodn\'e1 banka Slovenska elektronicky informuje navrhovate\'bea.\'93 V druhej vete navrhovanej predkladate\'beom navrhujeme za slovo \'84n\'e1vrhu\'93 doplni\'9d slov\'e1 \'84a jeho d\'f4vodoch\'93. Na konci navrhujeme vlo\'9ei\'9d nasledovn\'fa vetu \'84Rozhodnutie pod\'bea tohto odseku je N\'e1rodn\'e1 banka Slovenska povinn\'e1 od\'f4vodni\'9d\'93. Od\'f4vodnenie: Riadne od\'f4vodnenie rozhodnutia NBS je z\'e1 kladom pre jeho presk\'famate\'benos\'9d. Nako\'beko NBS nevracia poplatok, je vo\'e8i navrhovate\'beovi nespravodliv\'e9, \'9ee chybu ktor\'fa urobil v r\'e1mci podania, nevie odstr\'e1ni\'9d. Ustanovenie neupravuje, aby NBS z\'e1rove\'f2 informovala navrhovate\'bea o d\'f4vodoch odmietnutia n\'e1vrhu na z\'e1pis pr\'edslu\'9anej osoby do registra. D\'f4vodom je skuto\'e8nos\'9d, \'9ee v zmysle z\'e1kona \'e8. 186/2009 Z.z., je navrhovate\'be povinn\'fd pred podan\'edm n\'e1vrhu na z\'e1 pis osoby do registra sk\'fama\'9d, \'e8i osoba sp\'e5\'f2a ur\'e8en\'e9 podmienky v zmysle z\'e1kona, pri\'e8om n\'e1vrh na z\'e1pis osoby pod\'e1 a\'9e v pr\'edpade, ak m\'e1 preuk\'e1zan\'e9 splnenie uveden\'fdch podmienok. V pr\'ed pade, ak NBS disponuje inform\'e1ciou, \'9ee osoba nesp\'e5\'f2a podmienky na v\'fdkon \'e8innosti, zrejme ide o d\'f4vody o ktor\'fdch navrhovate\'be nem\'e1, resp. nemohol ma\'9d \'9eiadnu vedomos\'9d, pri\'e8om pre \'efal\'9a\'ed postup, resp. \'fa kony navrhovate\'bea (aj vo\'e8i osobe) je relevantn\'e9, aby o uveden\'fdch d\'f4vodoch vedomos\'9d mala. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14449145 \par N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid14449145 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14449145 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14449145\charrsid14449145 Ide o\~\'9apecifick\'fd proces z\'e1pisu do registra prostredn\'edctvom elektronickej komunik\'e1cie}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14449145 . \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow271\irowband271\ltrrow\ts11\trqc\trleft-8\trbrdrt \brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 27 (\'a7 15 ods. 5)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme prv\'fa vetu nahradi\'9d nov\'fdmi dvoma vetami, ktor\'e9 znej\'fa: \'84Ak je n\'e1vrh na zmenu z\'e1pisu ne\'fapln\'fd alebo poplatok za n\'e1vrh na zmenu z\'e1pisu nebol uhraden\'fd, N\'e1rodn\'e1 banka Slovenska vyzve navrhovate\'bea na jeho doplnenie spolu s ur\'e8en\'edm lehoty primeranej k rozsahu \'fadajov potrebn\'fdch na doplnenie. Ak }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid4921440\charrsid14449145 Ide o\~\'9apecifick\'fd proces z\'e1pisu do registra prostredn\'edctvom elektronickej komunik\'e1cie}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4921440 .}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 ne\'fapln\'fd n\'e1vrh v ur\'e8 enej lehote nie je doplnen\'fd alebo poplatok za n\'e1vrh na z\'e1pis zmeny nebol uhraden\'fd, na tak\'fdto n\'e1vrh sa h\'bead\'ed ako keby nebol podan\'fd a N\'e1rodn\'e1 banka Slovenska elektronicky informuje navrhovate\'bea.\'93 V druhej vete navrhovanej predkladate\'beom navrhujeme za slovo \'84n\'e1vrhu\'93 doplni\'9d slovn\'e9 spojenie \'84a jeho d\'f4vodoch.\'93 Za druh\'fa vetu navrhujeme vlo\'9ei\'9d nov\'fa vetu \'84Rozhodnutie pod\'bea tohto odseku je N\'e1rodn\'e1 banka Slovenska povinn\'e1 od\'f4vodni\'9d\'93. Od\'f4vodnenie: Riadne od\'f4vodnenie rozhodnutia NBS je z\'e1kladom pre jeho presk\'famate\'benos\'9d. Nako\'beko NBS nevracia poplatok, je vo\'e8i navrhovate\'beovi nespravodliv\'e9, \'9ee chybu ktor\'fa urobil v r\'e1mci podania, nevie odstr\'e1ni\'9d. Ustanovenie neupravuje, aby NBS z\'e1rove\'f2 informovala navrhovate\'bea o d\'f4vodoch odmietnutia n\'e1vrhu na zmenu z\'e1pisu pr\'edslu\'9anej osoby do registra. D\'f4vodom je skuto\'e8nos\'9d, \'9e e v zmysle z\'e1kona, je navrhovate\'be povinn\'fd pred podan\'edm n\'e1vrhu na z\'e1pis osoby do registra sk\'fama\'9d, \'e8i osoba sp\'e5\'f2a ur\'e8en\'e9 podmienky v zmysle z\'e1kona, pri\'e8om n\'e1vrh na zmenu z\'e1pisu osoby pod\'e1 a\'9e v pr\'ed pade, ak m\'e1 preuk\'e1zan\'e9 splnenie uveden\'fdch podmienok. V pr\'edpade, ak NBS disponuje inform\'e1ciou, \'9ee osoba nesp\'e5\'f2a podmienky na v\'fdkon \'e8innosti, zrejme ide o d\'f4vody o ktor\'fdch navrhovate\'be nem\'e1, resp. nemohol ma\'9d \'9eiadnu vedomos\'9d, pri\'e8om pre \'efal\'9a\'ed postup, resp. \'fakony navrhovate\'bea (aj vo\'e8i osobe) je d\'f4le\'9eit\'e9, aby o uveden\'fdch d\'f4vodoch dotknut\'e1 osoba vedomos\'9d mala. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4921440 N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid4921440 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid4921440\charrsid14449145 Ide o\~\'9apecifick\'fd proces }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid4921440 zmeny z\'e1pisu}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid4921440\charrsid14449145 do registra prostredn\'edctvom elektronickej komunik\'e1cie}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4921440 .}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow272\irowband272\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 3 (\'a7 1 ods. 2 p\'edsm. b))}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme slov\'e1 \'84ak poskytovate\'be tejto inform\'e1cie nepodnikne \'9eiadne \'efal\'9aie kroky k uzavretiu zmluvy o poskytnut\'ed finan\'e8nej slu\'9eby\'93 nahradi\'9d slovami: \'84ak poskytovate\'be tejto inform\'e1cie nevykon\'e1 \'efal\'9aie \'fakony smeruj\'face k uzavretiu zmluvy o poskytnut\'ed finan\'e8nej slu\'9eby\'93. Od\'f4vodnenie: Jazykov\'e1 \'faprava. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15353344 A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14232675 \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow273\irowband273\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 5 (\'a7 1 ods. 3 p\'edsm. b) 1. bod)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme slov\'e1 \'84dodan\'e9 poskytovate\'beom\'93 nahradi\'9d slovom \'84dod\'e1vate\'bea\'93, slov\'e1 \'84t\'fdmto poskytovate\'beom\'93 nahradi\'9d slovami \'84t\'fdmto dod\'e1vate\'beom\'93 a slov\'e1 \'84 u tohto poskytovate\'bea\'93 slovami \'84u tohto dod\'e1vate\'bea\'93. Od\'f4vodnenie: Zos\'faladenie s terminol\'f3giou zau\'9e\'edvanou v pr\'e1vnom poriadku SR. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3698407 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3698407 \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow274\irowband274\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 19 (\'a7 11b ods. 2)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme slov\'e1 \'84fungovanie trhov s poisten\'edm a zaisten\'edm\'93 nahradi\'9d slovami \'84fungovanie trhov s poisten\'edm alebo zaisten\'edm\'93 a slov\'e1 \'84ktor\'e9 zabr\'e1nia\'93 slovami \'84ktor\'fdmi zak\'e1 \'9eu\'93. Od\'f4vodnenie: Predmetn\'fd sektor m\'e1 v zmysle z\'e1kona \'e8. 186/2009 Z. z. n\'e1zov \'84poistenie alebo zaistenie\'93. V praxi si nevieme predstavi\'9d ak\'fdmi in\'fdmi \'fakonmi ako z\'e1kazom NBS zabr\'e1ni poskytovaniu predmetn\'fd ch slu\'9eieb. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3698407 \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow275\irowband275\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 4 (\'a7 1 sa odsek 2 dop\'e5\'f2a p\'edsmenom j))}{ \rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme slov\'e1 \'84nepodnikne \'9eiadne \'efal\'9aie kroky\'93 nahradi\'9d slovami \'84nevykon\'e1 \'fakony smeruj\'face\'93. Od\'f4vodnenie: Jazykov\'e1 \'faprava rovnako. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4994370 A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow276\irowband276\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 19 (\'a7 11d ods. 8 a 9)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme slovo \'84zabr\'e1ni\'9d\'93 nahradi\'9d slovom \'84zak\'e1za\'9d\'93..\'93 Od\'f4vodnenie: V praxi si nevieme predstavi\'9d ak\'fdmi in\'fdmi \'fakonmi ako z\'e1kazom NBS zabr\'e1 ni poskytovaniu predmetn\'fdch slu\'9eieb. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15353344 A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15295622 \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow277\irowband277\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bodu 12 (\'a7 4 p\'edsm. n))}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme upravi\'9d defin\'edciu pod\'bea smernice. Od\'f4vodnenie: smernica definuje pojem hostite\'besk\'e9ho \'e8lensk\'e9ho \'9at\'e1tu prostredn\'edctvom trvalej pr\'edtomnosti. \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15353344 N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid15353344 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid15353344 Defin\'edcia je v\~s\'falade so smernicou IDD.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565\charrsid15353344 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow278\irowband278\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 61 (\'a7 22a ods. 11)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme upravi\'9d znenie odseku 11 nasledovne: \'84Ak je n\'e1vrh na z\'e1pis do registra poskytovate\'beov ne\'fapln\'fd, N\'e1rodn\'e1 banka Slovenska vyzve navrhovate\'bea na z\'e1pis do registra poskytovate\'be ov na jeho doplnenie spolu s ur\'e8en\'edm lehoty primeranej k rozsahu \'fadajov potrebn\'fdch na doplnenie. Ak ne\'fapln\'fd n\'e1vrh v ur\'e8enej lehote nie je doplnen\'fd, na tak\'fdto n\'e1vrh sa h\'bead\'ed ako keby nebol podan\'fd a N\'e1rodn\'e1 banka Slovenska o tom p\'edsomne informuje navrhovate\'bea osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania do troch pracovn\'fdch dn\'ed od doru\'e8enia n\'e1vrhu na z\'e1pis N\'e1rodnej banke Slovenska. Poplatok za ne\'fapln\'fd n\'e1vrh na z\'e1 pis do registra poskytovate\'beov sa nevracia.\'93 Od\'f4vodnenie: Pova\'9eujeme za potrebn\'e9 zd\'f4razni\'9d primeranos\'9d poskytnutej lehoty, nako\'beko rozsah po\'9eadovan\'e9ho doplnenia m\'f4\'9ee by\'9d v jednotliv\'fdch pr\'edpadoch r\'f4zny. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8137899 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8137899 \par \par \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow279\irowband279\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I body 46,51,52,53 (\'a7 21 ods. 3 p\'edsm. a), \'a7 21 ods. 10 p \'edsm. a),b),c))}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme uveden\'e9 ustanovenia vypusti\'9d alebo alternat\'edvne nahradi\'9d in\'9atit\'fatom z\'e1pisu s odlo\'9eenou \'fa\'e8innos\'9dou. Od\'f4vodnenie: Odstr\'e1 nen\'edm mo\'9enosti absolvova\'9d, resp. preuk\'e1za\'9d absolvovanie osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vanie do troch mesiacov odo d\'f2a prv\'e9ho z\'e1pisu do pr\'edslu\'9an\'e9ho zoznamu v pr\'edslu\'9anom podregistri pod\'bea \'a7 13 bud\'fa FI n\'faten\'e9 vykona\'9d vzdel\'e1vanie e\'9ate pred uzatvoren\'edm zmluvy medzi finan\'e8nou in\'9atit\'faciou a subjektom, ktor\'fd by mal uveden\'e9 preukazova\'9d, \'e8\'edm sa m\'f4\'9ee z\'e1sadne zv\'fd\'9ai\'9d administrat\'edvna z\'e1\'9da\'9e FI a tie\'9e finan\'e8n\'e9 n\'e1klady pre finan\'e8n\'fa in\'9atit\'faciu. Alternat\'edva by umo\'9enila FI uzatvori\'9d zmluvy s FA a vzdel\'e1va\'9d ich. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8137899 \par N\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow280\irowband280\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 45 (\'a7 20a ods. 1))}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme v odseku 1 v prvej vete nahradi\'9d slov\'e1 \'84Finan\'e8n\'fd agent\'93 slovami \'84Samostatn\'fd finan\'e8n\'fd agent\'93. Od\'f4vodnenie: Rovnako sa tento pojem pou\'9e\'edva aj v \'a7 20 a v neskor\'9a\'ed ch ustanoveniach je upraven\'fd aj postup pre viazan\'fdch a podriaden\'fdch finan\'e8n\'fdch agentov. Navrhujeme upravi\'9d znenie ods. 1 p\'edsm. f) nasledovne: \'84adresu s\'eddla pobo\'e8ky v hostite\'beskom \'e8lenskom \'9at\'e1te\'93 Od\'f4 vodnenie: Legislat\'edvno-technick\'e1 zmena. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8137899 \par A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow281\irowband281\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 45 \'a7 20b (ods. 1))}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme v odseku 1, prv\'e1 veta, nahradi\'9d slov\'e1 \'84Finan\'e8n\'fd agent\'93 slovami \'84Samostatn\'fd finan\'e8n\'fd agent\'93. Od\'f4vodnenie: Rovnako sa tento pojem pou\'9e\'edva aj v \'a7 20 a v neskor\'9a\'ed ch ustanoveniach je upraven\'fd aj postup pre viazan\'fdch a podriaden\'fdch finan\'e8n\'fdch agentov. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid11751783 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid11751783 \par A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow282\irowband282\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. II}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme vlo\'9ei\'9d nov\'fd bod 10, ktor\'fd znie: \'8410. V \'a7 78 odsek 5 znie: \'84(5) \'dadaje, na ktor\'e9 sa vz\'9dahuj\'fa odseky 1 a\'9e 4 a \'a7 72 ods. 1, je pois\'9dov\'f2a, pobo\'e8ka pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at \'e1tu, pobo\'e8ka zahrani\'e8nej pois\'9dovne, zais\'9dov\'f2a, pobo\'e8ka zais\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ka zahrani\'e8nej zais\'9dovne aj bez s\'fahlasu a informovania dotknut\'fdch os\'f4b53) opr\'e1vnen\'e1 zo svojho informa\'e8n\'e9ho syst\'e9mu spr\'edstupni\'9d a poskytova\'9d len osob\'e1m a org\'e1nom, ktor\'fdm m\'e1 z\'e1konom ulo\'9een\'fa povinnos\'9d poskytova\'9d alebo ktor\'fdm je pod\'bea tohto z\'e1kona a pod\'bea osobitn\'fdch predpisov opr \'e1vnen\'e1 poskytova\'9d inform\'e1cie, na ktor\'e9 sa vz\'9dahuje povinnos\'9d ml\'e8anlivosti pod\'bea \'a7 72, a to len pri poskytovan\'ed a len v rozsahu poskytovania inform\'e1ci\'ed chr\'e1nen\'fdch povinnos\'9dou ml\'e8anlivosti pod\'bea \'a7 72. \'dadaje, na ktor\'e9 sa vz\'9dahuj\'fa odseky 1 a\'9e 4 a \'a7 72 ods. 1, je pois\'9dov\'f2a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, zais\'9dov\'f2a a pobo\'e8ka zahrani\'e8nej zais\'9dovne povinn\'e1 poskytn\'fa\'9d N\'e1rodnej banke Slovenska na \'fa\'e8el vykon\'e1vania a zdokumentovania vykon\'e1vania p\'f4sobnosti, \'e8innost\'ed a \'faloh N\'e1rodnej banky Slovenska pod\'bea tohto z\'e1kona a osobitn\'fdch predpisov na jej po\'9eiadanie aj bez s\'fahlasu dotknut\'fdch os\'f4b.".\'93. Od\'f4 vodnenie: \'daprava s\'favis\'ed s doplnen\'edm opr\'e1vnenia sprac\'fava\'9d osobn\'e9 \'fadaje klientov aj bez ich s\'fahlasu zo strany zais\'9dovn\'ed, zais\'9dovn\'ed z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu, resp. pobo\'e8iek zahrani\'e8n\'fdch zais \'9dovn\'ed. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3626075 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15353344 A \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3626075 \par \par \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid15353344 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3626075 \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow283\irowband283\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. II}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme vlo\'9ei\'9d nov\'fd bod 11, ktor\'fd znie: \'8411. V \'a7 78 odsek 6 znie: \'84(6) \'dadaje, na ktor\'e9 sa vz\'9dahuj\'fa odseky 1 a\'9e 4 a \'a7 72 ods. 1, m\'f4\'9ee pois\'9dov\'f2a, pobo\'e8ka pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu, pobo\'e8ka zahrani\'e8nej pois\'9dovne, zais\'9dov\'f2a, pobo\'e8ka zais\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ka zahrani\'e8nej zais\'9dovne spr\'edstupni\'9d alebo poskytn\'fa\'9d do zahrani\'e8 ia len za podmienok ustanoven\'fdch v osobitnom z\'e1kone,56) alebo ak tak ustanovuje medzin\'e1rodn\'e1 zmluva, ktorou je Slovensk\'e1 republika viazan\'e1 a ktor\'e1 m\'e1 prednos\'9d pred z\'e1konmi Slovenskej republiky.\'93.\'93. Od\'f4vodnenie: \'da prava s\'favis\'ed s doplnen\'edm opr\'e1vnenia sprac\'fava\'9d osobn\'e9 \'fadaje klientov aj bez ich s\'fahlasu zo strany zais\'9dovn\'ed, zais\'9dovn\'ed z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu, resp. pobo\'e8iek zahrani\'e8n\'fdch zais\'9dovn\'ed. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid11751783 \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid15353344 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid11751783 A\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow284\irowband284\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. II}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme vlo\'9ei\'9d nov\'fd bod 12, ktor\'fd znie: \'8412. V \'a7 78 odsek 7 sa odkaz na odsek \'846\'93 men\'ed na odkaz na odsek \'847\'93. Od\'f4vodnenie: \'daprava s\'favis\'ed s doplnen\'edm opr\'e1vnenia sprac\'fava\'9d osobn\'e9 \'fa daje klientov aj bez ich s\'fahlasu zo strany zais\'9dovn\'ed, zais\'9dovn\'ed z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu, resp. pobo\'e8iek zahrani\'e8n\'fdch zais\'9dovn\'ed v pripomienke 88. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15353344 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5705826 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow285\irowband285\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I nov\'fd bod}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme vlo\'9ei\'9d nov\'fd bod 16, ktor\'fd znie: \'84 16. V \'a7 9 sa v odseku 2 za slov\'e1 \'84samostatn\'e9ho finan\'e8n\'e9ho agenta\'93 vkladaj\'fa slov\'e1 \'84v sektore, v ktorom z\'e1rove\'f2 p\'f4sob\'ed ako finan\'e8n\'e1 in\'9atit\'facia\'93. Nasleduj\'face body sa pre\'e8\'edsluj\'fa. Od\'f4vodnenie: jazykov\'e1 \'faprava. Register funguje striktne pod\'bea jednotliv\'fdch sektorov a stupe\'f2 registr\'e1cie ur\'e8uje pod\'bea statusu pre konkr\'e9 tny sektor. Ak finan\'e8n\'e1 in\'9atit\'facia vystupuje v jednom sektore ako finan\'e8n\'e1 in\'9atit\'facia a v inom sektore ako samostatn\'fd finan\'e8n\'fd agent, pre jednotliv\'e9 sektory sa men\'ed aj ozna\'e8enie podriaden\'fdch subjektov (viazan \'fd finan\'e8n\'fd agent, resp. podriaden\'fd finan\'e8n\'fd agent). Vi\'ef pr\'edklad: Slovensk\'e1 po\'9ata, a.s.: https://regfap.nbs.sk/search.php . Ustanovenie \'a7 9 ods. 2 je preto pou\'9eite\'ben\'e9 iba vtedy, ak by finan\'e8n\'e1 in\'9atit\'fa cia z\'e1rove\'f2 vystupovala ako samostatn\'fd finan\'e8n\'fd agent v tom sektore, v ktorom z\'e1rove\'f2 p\'f4sob\'ed ako finan\'e8n\'e1 in\'9atit\'facia. Vi\'ef pr\'edklad: V\'9aeobecn\'e1 \'faverov\'e1 banka, a. s.: https://regfap.nbs.sk/search.php . \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15353344 \par \par \par N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid15353344 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid15353344\charrsid15353344 \par \par Finan\'e8n\'e1 in\'9atit\'facia je rie\'9aen\'e1 v\~\'e8l. II.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15353344 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow286\irowband286\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. II bod 2 (\'a7 70 ods. 2 p\'edsm. e))}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme vypusti\'9d navrhovan\'e9 p\'edsmeno e) a zodpovedaj\'facim sp\'f4sobom preformulova\'9d platn\'e9 ustanovenie \'a7 70 ods. 1 p\'edsm. b) ZoP, napr.: \'84b) pri distrib\'facii poistenia bez vyu\'9e itia finan\'e8n\'e9ho agenta, finan\'e8n\'e9ho poradcu alebo sprostredkovate\'bea doplnkov\'e9ho poistenia poskytn\'fa\'9d potenci\'e1lnemu klientovi inform\'e1cie a zabezpe\'e8i\'9d pos\'fadenie potenci\'e1lneho klienta pod\'bea osobitn\'e9ho pre dpisu.28)\'93 Pozn\'e1mka pod \'e8iarou k odkazu \'e8. 28 znie: \'8428) \'a7 33, \'a7 35, \'a7 37c a \'a7 37d z\'e1kona \'e8. 186/2009 Z. z. v znen\'ed neskor\'9a\'edch predpisov.\'93 Od\'f4vodnenie: Aktu\'e1lne znenie z\'e1kona o pois\'9dovn\'edctve u \'9e upravuje v \'a7 70 ods. 1 p\'edsm. b) obdobn\'fa povinnos\'9d (poskytn\'fa\'9d potenci\'e1lnemu klientovi inform\'e1cie a pou\'e8enia,28) ktor\'e9 s\'fa potrebn\'e9 na to, aby mohol spr\'e1vne porozumie\'9d charakteru poistenia a rizik\'e1m s\'fa visiacim s uzavret\'edm poistnej zmluvy), nie je preto d\'f4vod vklada\'9d do z\'e1kona o pois\'9dovn\'edctve \'efal\'9aie ustanovenie s obdobn\'fdm obsahom. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid2889358 \par \par \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow287\irowband287\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 62 (\'a7 23 ods. 2 p\'edsm. a))}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme vypusti\'9d slov\'e1 \'84\'e8len dozorn\'e9ho org\'e1nu samostatn\'e9ho finan\'e8n\'e9ho agenta, \'e8len dozorn\'e9ho org\'e1nu finan\'e8n\'e9ho poradcu\'93. Od\'f4vodnenie: Nevid\'edme \'9eiaden d\'f4 vod na ulo\'9eenie povinnosti by\'9d d\'f4veryhodnou osobou \'e8lenom dozorn\'fdch org\'e1nov, vzh\'beadom na to, \'9ee priamo nezasahuj\'fa do v\'fdkonu \'e8innosti finan\'e8n\'e9ho sprostredkovania. Znamenalo by to nadmern\'fa administrat\'edvnu z\'e1 \'9da\'9e pre samostatn\'fdch finan\'e8n\'fdch agentov a finan\'e8n\'fdch poradcov, ktor\'e1 nem\'e1 oporu v Smernici IDD. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid2889358 \par N \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid16125637 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid2889358 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid2889358 Predkladate\'be trv\'e1 na pr\'e1vnej \'faprave a\~vy\'9eaduje, aby \'e8lenovia dozorn\'e9ho org\'e1nu sp\'e5\'f2ali podmienku d\'f4veryhodnosti.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid2889358\charrsid2889358 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow288\irowband288\ltrrow \ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 6 (\'a7 2 ods. 1 p\'edsm. e)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme vypusti\'9d spojenie \'84na konci procesu\'93. Od\'f4vodnenie: Toto slovn\'e9 spojenie obsahuje iba slovensk\'fd preklad smernice a rob\'ed ustanovenie nejasn\'fdm, \'e8\'edm vytv\'e1 ra priestor na obch\'e1dzanie. Anglick\'e1 verzia: \lquote insurance distribution\rquote means the activities of advising on, proposing, or carrying out other work preparatory to the conc lusion of contracts of insurance, of concluding such contracts, or of assisting in the administration and performance of such contracts, in particular in the event of a claim, including the provision of information concerning one or more insurance contrac t s in accordance with criteria selected by customers through a website or other media and the compilation of an insurance product ranking list, including price and product comparison, or a discount on the price of an insurance contract, when the customer i s able to directly or indirectly conclude an insurance contract using a website or other media. Nemeck\'e1 verzia: \'84Versicherungsvertrieb\'93 die Beratung, das Vorschlagen oder Durchf\'fchren anderer Vorbereitungsarbeiten zum Abschlie\'df en von Versicherungsvertr\'e4gen, das Abschlie\'dfen von Versicherungsvertr\'e4gen oder das Mitwirken bei deren Verwaltung und Erf\'fcllung, insbesondere im Schadensfall, einschlie\'dflich der Bereitstellung von Informationen \'fc ber einen oder mehrere Versicherungsvertr\'e4ge aufgrund von Kriterien, die ein Kunde \'fcber eine Website oder andere Medien w\'e4hlt, sowie die Erstellung einer Rangliste von Versicherungsprodukten, einschlie\'df lich eines Preis- und Produktvergleichs, oder ein Rabatt auf den Preis eines Versicherungsvertrags, wenn der Kunde einen Versicherungsvertrag direkt oder indirekt \'fcber eine Website oder ein anderes Medium abschlie\'dfen kann. \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9462672 A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow289\irowband289\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 102 (\'a7 39 ods. 7)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme vypusti\'9d ustanovenie \'a7 39 ods. 7. Od\'f4vodnenie: Obligat\'f3rne ulo\'9eenie sankcie vo\'e8i \'9atatut\'e1rnym a dozorn\'fdm org\'e1nom finan\'e8n\'fdch agentov a finan\'e8n\'fdch poradcov nem\'e1 oporu v Smernici IDD. Ide o neprimeran\'e9 za\'9da\'9eenie vo vz\'9dahu k \'9atatut\'e1rom a dozorn\'fdm org\'e1nom. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid11275289 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid11275289 \par N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid7607036 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid7607036\charrsid7607036 Navrhovan\'e1 \'faprava vyplynula z\~aplika\'e8nej praxe NBS ako org\'e1nu doh\'beadu.\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow290\irowband290\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 76 a 79 (\'a7 30 ods. 2 a 3 a \'a7 30 ods. 5 a 6)}{ \rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme vypusti\'9d. Od\'f4vodnenie: Predkladate\'be uva\'9euje s re\'9eimom, \'9ee ka\'9ed\'fd finan\'e8n\'fd sprostredkovate\'be mus\'ed ma\'9d uzavret\'e9 samostatn\'fa poistn\'fa zmluvu (inak sa to pova\'9euje za poru\'9aenie z\'e1kona). Vzh\'beadom na po\'e8et podriaden\'fdch finan\'e8n\'fdch agentov a po\'e8et viazan\'fdch finan\'e8n\'fdch agentov v\'9aak tak\'e1to \'faprava m\'f4\'9ee sp\'f4sobi\'9d zv\'fd\'9aen\'e9 mno\'9e stvo subjektov na trhu bez poistenia a vysok\'e9 administrat\'edvne n\'e1klady na strane jednak na strane navrhovate\'beov (ktor\'ed by mali pravidelne kontrolova\'9d existenciu a platnos\'9d poistenia, aby sa vyhli prenosu zodpovednosti), jednak na strane pois\'9dovn\'ed, ktor\'e9 poskytuj\'fa poistenie zodpovednosti za \'9akodu pri v\'fdkone finan\'e8n\'e9ho sprostredkovania. Existuj\'faci stav v z\'e1kone pova\'9eujeme za vyhovuj\'faci a s \'faladn\'fd so smernicou IDD, nako\'beko \'e8l\'e1nok 10 ods. 4 IDD umo\'9e\'f2uje aj poskytnutie poistenia priamo pois\'9dov\'f2ou alebo subjektom, pre ktor\'fd je sprostredkovanie vykon\'e1van\'e9 (\'84 Sprostredkovatelia poistenia a sprostredkovatelia zaistenia musia disponova\'9d poisten\'edm pre pr\'edpad zodpovednosti za \'9akodu sp\'f4soben\'fa pri vykon\'e1van\'ed \'e8innosti platn\'fdm na celom \'fazem\'ed \'danie alebo nejakou inou porovnate\'be nou z\'e1rukou pre pr\'edpad hmotnej zodpovednosti vypl\'fdvaj\'facej zo zanedbania profesion\'e1lnych povinnost\'ed do v\'fd\'9aky aspo\'f2 1 250 000 EUR pre ka\'9ed\'fd n\'e1rok a \'fahrnom 1 850 000 EUR ro\'e8ne pre v\'9aetky n\'e1roky, pokia\'be tak \'e9to poistenie alebo porovnate\'ben\'fa z\'e1ruku u\'9e neposkytuje pois\'9dov\'f2a, zais\'9dov\'f2a \'e8i in\'fd podnik, v mene ktor\'e9ho sprostredkovate\'be poistenia alebo sprostredkovate\'be zaistenia kon\'e1 alebo pre ktor\'fd je sprostredkovate \'be poistenia alebo sprostredkovate\'be zaistenia opr\'e1vnen\'fd kona\'9d, alebo tak\'fdto podnik prevzal pln\'fa zodpovednos\'9d za konanie sprostredkovate\'bea..\'93). Predkladate\'beom zam\'fd\'9a\'bean\'e1 \'faprava tie\'9e sp\'f4sobuje probl\'e9 m pri sprostredkovate\'beoch doplnkov\'e9ho poistenia. Pod\'bea predkladan\'e9ho n\'e1vrhu by sa na nich vz\'9dahovala tie\'9e povinnos\'9d uzavrie\'9d poistenie (v nadv\'e4znosti na navrhovan\'e9 znenie \'a7 11c z\'e1kona), av\'9aak z\'e1kon u\'9e \'ef alej nerozli\'9auje, \'e8i ide o sprostredkovate\'bea doplnkov\'e9ho poistenia, ktor\'fd vykon\'e1va iba \'e8innosti, na z\'e1klade ktor\'fdch je vyl\'fa\'e8en\'fd z p\'f4sobnosti z\'e1kona pod\'bea \'a7 1 ods. 3 p\'edsm. b), alebo \'e8 i ide o sprostredkovate\'bea doplnkov\'e9ho poistenia, na ktor\'e9ho sa vz\'9dahuj\'fa aj ostatn\'e9 ustanovenia z\'e1kona. Zalo\'9eenie povinnosti uzavrie\'9d poistenie v plnom rozsahu tie\'9e je v rozpore so smernicou, nako\'beko \'e8l\'e1 nok 10 ods. 5 IDD vyslovene po\'9eaduje, aby \'e8lensk\'e9 \'9at\'e1ty pri sprostredkovate\'beoch doplnkov\'e9ho poistenia brali do \'favahy \'84na charakter pred\'e1van\'fdch produktov a vykon\'e1vanej \'e8innosti\'93 (v anglickom znen\'ed: \'84 the nature of product sold and the activity carried out\'93). \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid2889358 \par \par \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow291\irowband291\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 45 (\'a7 22 ods. 1)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme vypusti\'9d. Od\'f4vodnenie: Ustanovenie je v\'9aeobecnou formul\'e1ciou prevzatou zo smernice (\'e8l\'e1nok 10 ods. 1 IDD) a t\'fdka sa dop\'e5\'f2ania odborn\'fdch vedomost\'ed. Tak\'e9to doplnenie v\'9aak pova \'9eujeme za zbyto\'e8n\'e9 a kontraprodukt\'edvne, ke\'ef\'9ee z poh\'beadu smernice ide o v\'9aeobecn\'fa po\'9eiadavku smeruj\'facu na \'e8lensk\'fd \'9at\'e1t a je ot\'e1zkou \'e8lensk\'e9ho \'9at\'e1tu, aby vymedzil konkr\'e9tny sp\'f4sob realiz\'e1 cie tejto po\'9eiadavky (teda ako sa vysporiada s t\'fdm, aby jednotliv\'ed \'fa\'e8astn\'edci mali adekv\'e1tne znalosti a sk\'fasenosti). \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid2889358 N \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3895236 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid3895236 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid3895236\charrsid3895236 Ide}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid3895236 o}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid3895236\charrsid3895236 s\'falad s\~\'e8 l. 10 bod 2. smernice IDD.\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow292\irowband292\ltrrow \ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 101 (\'a7 38 ods. 16)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme vypusti\'9d. Od\'f4vodnenie: V n\'e1vrhu doplnen\'e9ho ustanovenia sa zav\'e1dza povinnos\'9d N\'e1rodnej banky Slovenska informova\'9d Eur\'f3psku komisiu o ak\'fdchko\'bevek probl\'e9moch os\'f4b, vykon\'e1vaj \'facich finan\'e8n\'e9 sprostredkovanie. Pou\'9eitie slovn\'e9ho spojenia \'84ak\'fdchko\'bevek probl\'e9moch\'93 ponech\'e1va ne\'famerne \'9airok\'fd priestor na interpret\'e1ciu vo vz\'9dahu k poskytovan\'fdm \'fadajom. Uveden\'e9 slovn\'e9 spojenie a s t\'fdm spojen\'e9 opr\'e1vnenie NBS potom vytv\'e1ra stav pr\'e1vnej neistoty. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid2889358 \par N \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid2889358 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid2889358 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid2889358\charrsid2889358 Problematika je rie\'9aen\'e1 N\'e1rodnou bankou Slovenska ako org\'e1nu doh\'beadu.\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow293\irowband293\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l II. bod 1 (\'a7 70 ods. 1 p\'edsm. h))}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme za slov\'e1 \'84poistn\'e9mu produktu\'93 vlo\'9ei\'9d slov\'e1 \'84pod\'bea \'e8asti A Pr\'edlohy \'e8. 1\'93 a za slovom \'84tvorcom\'93 navrhujeme vlo\'9ei\'9d slov\'e1 \'84a pre ktor\'fd uzatv\'e1 raj\'fa nov\'e9 poistn\'e9 zmluvy\'93. Od\'f4vodnenie: navrhujeme spresnenie formul\'e1cie, aby bolo zrejm\'e9, \'9ee povinnos\'9d sa vz\'9dahuje iba na aktu\'e1lne pred\'e1van\'e9 produkty (a nie na run-off portf\'f3li\'e1) a iba na produkty ne\'9eivotn \'e9ho poistenia. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6834640 \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow294\irowband294\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 19 (\'a7 11a ods. 3)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujeme za slovo \'84neprimeran\'e9\'93 vlo\'9ei\'9d slov\'e1 \'84alebo nedostato\'e8n\'e9\'93. V odsekoch 3 a 5 navrhujeme slovo \'84zabr\'e1ni\'9d\'93 nahradi\'9d slovom \'84zak\'e1za\'9d\'93. Od\'f4 vodnenie: Pojem neprimeran\'e9 s\'e1m osebe neposta\'e8uje na dosiahnutie cie\'bea mienen\'e9ho z\'e1konodarcom. V praxi si nevieme predstavi\'9d ak\'fdmi in\'fdmi \'fakonmi ako z\'e1kazom NBS zabr\'e1ni poskytovaniu predmetn\'fdch slu\'9eieb. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6964611 A}{ \rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5520657 \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow295\irowband295\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I nad r\'e1mec n\'e1vrhu z\'e1kona}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Navrhujme vlo\'9ei\'9d nov\'e9 body 66 a\'9e 69, ktor\'e9 znej\'fa: \'8466. V \'a7 25 ods. 7 sa na konci dop\'e5\'f2aj\'fa slov\'e1 \'84okrem pr\'edpadu, ak m\'e1 podriaden\'fd finan\'e8n\'fd agent povinnos\'9d zahrn\'fa\'9d do svojej organiza\'e8nej \'9atrukt\'fary odborn\'e9ho garanta pod\'bea odseku 3 67. V \'a7 25 ods. 8 sa na konci dop\'e5\'f2a text \'84okrem pr\'edpadu, ak m\'e1 viazan\'fd finan\'e8n\'fd agent povinnos\'9d zahrn\'fa\'9d do svojej organiza \'e8nej \'9atrukt\'fary odborn\'e9ho garanta pod\'bea odseku 3\'93 68. V \'a7 26 ods. 2 p\'edsm. a) sa na konci dop\'e5\'f2a text: \'84okrem pr\'edpadu, ak m\'e1 viazan\'fd finan\'e8n\'fd agent povinnos\'9d zahrn\'fa\'9d do svojej organiza\'e8nej \'9a trukt\'fary odborn\'e9ho garanta pod\'bea \'a7 25 ods. 3,\'93. 69. V \'a7 26 ods. 2 p\'edsm. b) sa na konci dop\'e5\'f2a text: \'84V \'a7 26 ods. 2 p\'edsm. a) sa na konci dop\'e5\'f2a text: \'84okrem pr\'edpadu, ak m\'e1 podriaden\'fd finan\'e8n\'fd agent povinnos\'9d zahrn\'fa\'9d do svojej organiza\'e8nej \'9atrukt\'fary odborn\'e9ho garanta pod\'bea \'a7 25 ods. 3,\'93. Nasleduj\'face body sa pre\'e8\'edsluj\'fa. Od\'f4vodnenie: Aktu\'e1lne znenie z\'e1kona o finan\'e8nom sprostredkovan\'ed nerie \'9ai vz\'9dahy medzi odborn\'fdmi garantmi. V pr\'edpade, ak m\'e1 podriaden\'fd finan\'e8n\'fd agent alebo viazan\'fd finan\'e8n\'fd agent povinnos\'9d ustanovi\'9d odborn\'e9ho garanta, doch\'e1dza dnes k duplicitn\'e9mu v\'fdkonu niektor\'fdch \'e8 innost\'ed. Preto navrhujeme ustanovi\'9d, \'9ee odborn\'fd garant samostatn\'e9ho finan\'e8n\'e9ho agenta, resp. odborn\'fd garant finan\'e8nej in\'9atit\'facie bude vykon\'e1va\'9d svoje \'e8innosti pod\'bea odseku 6 iba v t\'fdch pr\'edpadoch , ak na podriadenej \'farovni nie je povinnos\'9d ma\'9d ustanoven\'e9ho odborn\'e9ho garanta. Oblas\'9d kontroln\'fdch pr\'e1vomoc\'ed pod\'bea \'a7 29 pritom zost\'e1va bez zmeny. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6964611 \par \par \par \par \par N \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid6964611 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6964611 \par \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid6964611\charrsid6964611 Navrhovan\'e9 znenie je nad r\'e1mec predmetnej novely z\'e1kona.\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow296\irowband296\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 44 (\'a720 ods. 9)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Nespr\'e1vny odkaz na \'a7 11c ods. 1. Od\'f4vodnenie: Ustanovenie \'a7 11c ods. 1 hovor\'ed o sprostredkovate\'beovi doplnkov\'e9ho poistenia, zrejme ide o zl\'fd odkaz. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15034414 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow297\irowband297\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 40 (\'a7 18 ods. 18 pozn\'e1mka pod \'e8iarou) }{ \rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Odkaz 27a) navrhujeme opravi\'9d na \'fa\'e8inn\'fd odkaz z\'e1kona. Od\'f4vodnenie: \'a78 v odkazovanom z\'e1kone bol zru\'9aen\'fd d\'f2a 01.07.2016. \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid2122324 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow298\irowband298\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 25 (\'a7 14 ods. 9)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Poukazujeme na nes\'falad ustanovenia s od\'f4vodnen\'edm v d\'f4vodovej spr\'e1ve. Od\'f4vodnenie: V d\'f4vodovej spr\'e1ve je pri pr\'e1vnick\'fdch osob\'e1ch uveden\'e1 \'efal\'9aia podmienka z\'e1pisu a to \'84a\'9e po ich z\'e1pise do Obchodn\'e9ho registra, najsk\'f4r v\'9aak d\'f2om \'fa\'e8innosti poistnej zmluvy o zodpovednosti za \'9akodu\'93. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 { \rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid2122324 \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow299\irowband299\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 66 (\'a7 25 ods. 9)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Prv\'e1 veta je nezrozumite\'ben\'e1. Nie je zrejm\'e9 o ak\'e9 doklady m\'e1 \'eds\'9d (\'e8i m\'e1 \'eds\'9d o doklady preukazuj\'face odborn\'fa sp\'f4sobilos\'9d odborn\'e9ho garanta alebo o doklady preukazuj\'face vykon \'e1vanie \'e8innosti odborn\'e9ho garanta, alebo \'e8i m\'e1 \'eds\'9d o nejak\'e9 in\'e9 doklady). Bolo by vhodn\'e9 \'9apecifikova\'9d obsah povinnosti, aby ju bolo mo\'9en\'e9 plni\'9d. D\'f4vodov\'e1 spr\'e1va neposkytuje n\'e1 vod na to, ako obsah tejto povinnosti interpretova\'9d. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4347935 A \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid4347935 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid4347935\charrsid4347935 Upraven\'e9 v\~osobitnej \'e8asti d\'f4vodovej spr\'e1vy.\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow300\irowband300\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 12 (\'a7 4 p\'edsm. m)):}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Slovo \'84distrib\'facie\'93 navrhujeme zameni\'9d slovom \'84sprostredkovania\'93 alebo definova\'9d pojem \'84distrib\'facia finan\'e8nej slu\'9eby\'93. Od\'f4vodnenie: N\'e1vrh z\'e1kona preber\'e1 z IDD pojem odmeny, av\'9aak aj s pojmom \'84distrib\'facie finan\'e8nej slu\'9eby\'93, ktor\'fd nie je zadefinovan\'fd a nie je transponovan\'fd. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3556318 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3556318 \par A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow301\irowband301\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. III}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line \'da\'e8innos\'9d z\'e1kona \'9eiadame posun\'fa\'9d na 23. febru\'e1ra 2018 zhodne s term\'ednom pre transpoz\'edciu IDD. Od\'f4vodnenie: Posun \'fa\'e8innosti na neskor\'9a\'ed term\'edn navrhujeme vzh\'be adom na rozsiahle zmeny ovplyv\'f2uj\'face \'e8innos\'9d tak finan\'e8n\'fdch sprostredkovate\'beov, ako aj finan\'e8n\'fdch in\'9atit\'faci\'ed a ktor\'e9 tie\'9e vy\'9eaduj\'fa \'fapravy v ich internej dokument\'e1ci\'ed, vr\'e1tane zmien v zmluvn\'fd ch vz\'9dahoch medzi nimi. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3556318 \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow302\irowband302\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 18 (\'a7 11 ods. 4)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V \'a7 11 ods. 4 navrhujeme slov\'e1 \'84nesie zodpovednos\'9d za dodr\'9eiavanie ustanoven\'ed\'93 nahradi\'9d slovami \'84nesie zodpovednos\'9d za doh\'bead nad dodr\'9eiavan\'edm ustanoven\'ed\'93. Od\'f4vodnenie: jazykov \'e1 \'faprava. Predpoklad\'e1me, \'9ee nebolo \'famyslom predkladate\'bea, aby N\'e1rodn\'e1 banka Slovenska niesla zodpovednos\'9d za konanie finan\'e8n\'fdch sprostredkovate\'beov z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu. \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid2122324 \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow303\irowband303\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 31 (\'a7 17 ods. 1 a 2)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V \'a7 17 ods. 1 navrhujeme vlo\'9ei\'9d nov\'e9 p\'edsmen\'e1 n) a o), ktor\'e9 znej\'fa: \'84n) obchodn\'e9 meno, adresa s\'eddla a identifika\'e8n\'e9 \'e8\'edslo, ak bolo pridelen\'e9, telef\'f3nne \'e8\'ed slo a adresa elektronickej po\'9aty, ak ide o pr\'e1vnick\'fa osobu, s ktorou ma uzavret\'fa zmluvu pod\'bea \'a7 9; ak ide o pr\'e1vnick\'fa osobu so s\'eddlom mimo \'fazemia Slovenskej republiky, eviduje sa aj adresa, telef\'f3nne \'e8\'ed slo a adresa elektronickej po\'9aty organiza\'e8nej zlo\'9eky na \'fazem\'ed Slovenskej republiky a meno, priezvisko, rodn\'e9 \'e8\'edslo ved\'faceho organiza\'e8nej zlo\'9eky na \'fazem\'ed Slovenskej republiky a d\'e1tum za\'e8iatku a ukon\'e8 enia vykon\'e1vania jeho funkcie, o) meno, priezvisko, rodn\'e9 \'e8\'edslo, adresa trval\'e9ho pobytu a miesta podnikania, ak ide o fyzick\'fa osobu, s ktorou ma uzavret\'fa zmluvu pod\'bea \'a7 9, . Doteraj\'9aie p\'edsmena n) a o) sa ozna\'e8ia ako p) a q). V \'a7 17 ods. 2 sa slov\'e1 \'84j) a\'9e n)\'93 nahradia slovami \'84j) a\'9e p)\'93. Navrhujeme doplni\'9d v registri NBS \'fadaje o PFA, s ktor\'fdmi ma SFA uzavret\'e9 zmluvy pod\'bea \'a7 9 a umo\'9eni\'9d tak pois\'9dovniam overova\'9d osoby sp\'f4sobom, \'9ee do registra zadaj\'fa registra\'e8n\'e9 \'e8\'edslo SFA, pri\'e8om syst\'e9m poskytne z\'e1kladn\'e9 \'fadaje o jeho v\'9aetk\'fdch PFA. Od\'f4vodnenie: Z navrhovan\'e9ho znenia \'a717 ods. 5 p\'edsm. g) vypl\'fdva, \'9e e na web str\'e1nke NBS, bude okrem in\'fdch verejne dostupn\'fd \'fadaj o registra\'e8nom \'e8\'edsle navrhovate\'bea vo vz\'9dahu k podriaden\'e9mu finan\'e8n\'e9mu agentovi (PFA), t.j. registra\'e8n\'e9 \'e8\'edslo samostatn\'e9ho finan\'e8n\'e9 ho agenta (SFA). \'dadaj o SFA bude mo\'9en\'e9 zisti\'9d iba vo vz\'9dahu ku konkr\'e9tnemu PFA. \'c8i\'9ee, ak pois\'9dov\'f2a nedisponuje kompletn\'fdm zoznamom PFA, nie je mo\'9en\'e9 komplexne preveri\'9d osoby (sp\'f4sobom, \'e8i s takouto osobou v minulosti pois\'9dov\'f2a neukon\'e8ila spolupr\'e1cu pre poru\'9aovanie povinnost\'ed) prostredn\'edctvom ktor\'fdch vykon\'e1va SFA \'e8innos\'9d pre pois\'9dov\'f2u a teda \'e8i m\'e1 z\'e1ujem s pr\'edslu\'9an\'fdm SFA, s oh\'beadom na \'84 portf\'f3lio\'93 jeho PFA uzatvori\'9d zmluvu. Pre pois\'9dovne je v\'9aak d\'f4le\'9eit\'e9 pozna\'9d, s ak\'fdmi finan\'e8n\'fdmi agentmi spolupracuje samostatn\'fd finan\'e8n\'fd agent, a to aj s oh\'beadom na to, \'9ee sektor finan\'e8n\'e9 ho sprostredkovania je okrem in\'fdch skuto\'e8nost\'ed charakteristick\'fd aj t\'fdm, \'9ee fyzick\'e9 osoby, vykon\'e1vaj\'face t\'fato \'e8innos\'9d tzv. cirkuluj\'fa, pres\'favaj\'fa sa \'e8asto od jedn\'e9ho samostatn\'e9ho finan\'e8n\'e9 ho agenta k druh\'e9mu, resp. potom \'e8o z nejak\'e9ho d\'f4vodu ukon\'e8ia \'e8innos\'9d pre pois\'9dov\'f2u ako viazan\'fd finan\'e8n\'fd agent, k \'e8omu \'e8asto doch\'e1dza z d\'f4vodu nevykon\'e1vania \'e8innosti riadne, tak v prospech pois\'9d ovne, ako aj klientov, za\'e8n\'fa vykon\'e1va\'9d t\'fato \'e8innos\'9d ako podriaden\'ed finan\'e8n\'ed agenti. Pois\'9dovne tak nemaj\'fa \'9eiadnu vedomos\'9d o tom, s ak\'fdmi PFA pr\'edslu\'9an\'fd SFA spolupracuje. Ak je z\'e1merom z\'e1 konodarcu zv\'fd\'9ai\'9d kvalitu finan\'e8n\'e9ho sprostredkovania, musia ma\'9d pois\'9dovne mo\'9enos\'9d v registri NBS vyh\'bead\'e1va\'9d, ako aj overova\'9d osoby sp\'f4sobom, \'9ee do registra zadaj\'fa registra\'e8n\'e9 \'e8\'edslo SFA, pri\'e8 om syst\'e9m poskytne z\'e1kladn\'e9 \'fadaje o jeho v\'9aetk\'fdch PFA, tak aby pois\'9dov\'f2a mala preh\'bead o v\'9aetk\'fdch osob\'e1ch prostredn\'edctvom ktor\'fdch vykon\'e1va \'e8innos\'9d finan\'e8n\'e9ho sprostredkovania. Pr\'e1ve tak\'e9 to opatrenie pod\'bea n\'e1\'9aho n\'e1zoru m\'f4\'9ee napom\'f4c\'9d z trhu finan\'e8n\'e9ho sprostredkovania vytla\'e8i\'9d osoby, ktor\'e9 svoju \'e8innos\'9d vykon\'e1vaj\'fa v rozpore so z\'e1sadami poctiv\'e9ho obchodn\'e9 ho styku, resp. priamo v rozpore s platnou pr\'e1vnou \'fapravou, prech\'e1dzaj\'fa od jedn\'e9ho SFA k druh\'e9mu a sp\'f4sobuj\'fa svojou \'e8innos\'9dou \'9akodu nielen pois\'9dovniam, ale aj klientom a v neposlednom rade aj samotn\'fdm SFA. Ako pr\'ed klad uv\'e1dzame \'84Rejst\'f8\'edk finan\'e8n\'edch zprost\'f8edkovatel\'fa\'93 veden\'fdm \'c8eskou n\'e1rodnou bankou, kde je verejne dostupn\'fd \'fadaj o v\'9aetk\'fdch podriaden\'fdch pois\'9dovac\'edch sprostredkovate\'beoch pre konkr\'e9tne zadan \'e9ho sprostredkovate\'bea prostredn\'edctvom s\'favisiacich v\'e4zieb na pr\'edslu\'9an\'fa kateg\'f3riu sprostredkovate\'bea. Zmena k odseku 2 je legislat\'edvno-technick\'e1 a nadv\'e4zuje na zmenu v odseku 1. \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14767693 N \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid14767693 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14767693\charrsid14767693 NBS u\'9e v\~s\'fa\'e8asnej dobe tieto \'fadaje zverej\'f2uje.\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow304\irowband304\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 61 (\'a7 22a ods. 15)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V \'a7 22a ods. 15 sa v prvej vete \'e8\'edslo \'8413\'93 nahr\'e1dza \'e8\'edslom \'8414\'93. Od\'f4vodnenie: \'faprava legislat\'edvneho odkazu. Odkaz m\'e1 smerova\'9d na odsek 14, nie na odsek 13. \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid7173128 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow305\irowband305\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 67 (\'a7 27 ods. 1)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V \'a7 27 ods. 1 \'9eiadame v druhej vete slov\'e1: \'84pred vykon\'e1van\'edm finan\'e8n\'e9ho sprostredkovania alebo finan\'e8n\'e9ho poradenstva\'93 nahradi\'9d slovami \'84pred uzavret\'edm zmluvy o finan\'e8nej slu\'9e be\'93. Od\'f4vodnenie: Znenie navrhnut\'e9 predkladate\'beom nie je vykonate\'ben\'e9. Vzh\'beadom na v\'fdpo\'e8et \'e8innost\'ed, ktor\'e9 spadaj\'fa pod finan\'e8n\'e9 sprostredkovanie nie je mo\'9en\'e9 ozn\'e1mi\'9d konflikt z\'e1 ujmov klientovi pred vykon\'e1van\'edm finan\'e8n\'e9ho sprostredkovania, preto\'9ee z povahy veci vypl\'fdva, \'9ee o konflikte z\'e1ujmov sa sprostredkovate\'be dozvie a\'9e pri vykon\'e1van\'ed finan\'e8n\'e9 ho sprostredkovania. Preto navrhujeme, aby informa\'e8n\'e1 povinnos\'9d musela by\'9d splnen\'e1 pred uzavret\'edm zmluvy o finan\'e8nej slu\'9ebe. Tento n\'e1vrh zodpoved\'e1 aj z\'e1meru sledovan\'e9mu smernicou, ke\'ef\'9ee smernica vych\'e1dza zo z \'e1sady, \'9ee v\'9aetky informa\'e8n\'e9 povinnosti (aj v oblasti konfliktu z\'e1ujmov) musia by\'9d splnen\'e9 \'84v dostato\'e8nom predstihu pred uzavret\'edm poistnej zmluvy\'93 (\'84in good time before conclusion of an insurance contract\'93) \endash vi\'ef napr. \'e8l\'e1nok 18 IDD, \'e8l\'e1nok 19 IDD a osobitne pre konflikt z\'e1ujmov \'e8l\'e1nok 28 ods. 2 IDD. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6298869 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6298869 \par \par \par \par \par A \par \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow306\irowband306\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 89 (\'a7 33 ods. 10)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V \'a7 33 ods. 10 navrhujeme slov\'e1 \'84p\'edsomn\'e1 forma\'93 nahradi\'9d slovami \'84listinn\'e1 podoba\'93. Od\'f4vodnenie: Smernica (\'e8l\'e1nok 23 ods. 2 IDD) nehovor\'ed o p\'ed somnej forme, ale o listinnej podobe (\'84a durable medium other than paper\'93). Pod\'bea Ob\'e8ianskeho z\'e1konn\'edka je p\'edsomn\'e1 forma zachovan\'e1 aj vtedy, ak nejde o listinn\'fa podobu. Pod\'bea \'a7 40 ods. 4 OZ je p\'edsomn\'e1 forma zachovan\'e1 v\'9edy, ak pr\'e1vny \'fakon uroben\'fd elektronick\'fdmi prostriedkami je podp\'edsan\'fd zaru\'e8en\'fdm elektronick\'fdm podpisom alebo zaru\'e8enou elektronickou pe\'e8a\'9dou. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid7826430 \par \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid12071124 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow307\irowband307\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 90 (\'a7 33 ods. 12)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V \'a7 33 ods. 12 p\'edsm. a) navrhujeme slovo \'84kontakt\'93 nahradi\'9d slovom \'84obchod\'93. Rovnako je potrebn\'e9 zadefinova\'9d alebo nahradi\'9d pou\'9eit\'fd pojem \'84distrib\'fator finan\'e8nej slu\'9eby\'93 ; nebol z IDD transponovan\'fd. Od\'f4vodnenie: Predkladate\'beom navrhovan\'e9 znenie vych\'e1dza zo znenia \'e8l\'e1nku 23 ods. 5 smernice IDD, av\'9aak porovnan\'edm s in\'fdmi jazykov\'fdmi vyhotoveniami smernice mo\'9eno d\'f4js\'9d k z\'e1veru, \'9e e slovensk\'e1 verzia obsahuje nepr\'e1vne pomenovanie vz\'9dahu medzi klientom a distrib\'fatorom. Z in\'fdch jazykov\'fdch vyhotoven\'ed smernice je zrejm\'e9, \'9ee pre splnenie predpokladov na informovanie klienta prostredn\'edctvom webov\'e9ho s\'ed dla nie je d\'f4le\'9eit\'fd \'84kontakt\'93 ale povaha \'84obchodu\'93. \'c8esk\'e9 znenie: poskytnut\'ed t\'ecchto informac\'ed prost\'f8ednictv\'edm internetov\'e9 str\'e1nky je vhodn\'e9 v souvislosti s obchodem uzav\'edran\'fd m mezi distributorem poji\'9at\'ecn\'ed a z\'e1kazn\'edkem Nemeck\'e9 znenie: Die Erteilung dieser Ausk\'fcnfte \'fcber eine Website ist im Rahmen des zwischen dem Versicherungsvertreiber und dem Kunden get\'e4tigten Gesch\'e4fts angemessen Anglick\'e9 znenie: the provision of that information by means of a website is appropriate in the context of the business conducted between the insurance distributor and the customer. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3358996 \par \par \par \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow308\irowband308\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 90 (\'a7 33 ods. 14)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V \'a7 33 ods. 14 navrhujeme za slov\'e1 \'84samostatn\'fd finan\'e8n\'fd agent\'93 vlo\'9ei\'9d slov\'e1 \'84pod\'bea 11c ods. 2\'93. Od\'f4vodnenie: spresnenie v\'fdznamu ustanovenia, aby bolo zrejm\'e9, \'9ee povinnos\'9d sa vz\'9dahuje na samostatn\'e9ho finan\'e8n\'e9ho agenta iba vtedy, ak m\'e1 s dan\'fdm sprostredkovate\'beom doplnkov\'e9ho poistenia uzavret\'fd zmluvn\'fd vz\'9dah. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3358996 \par N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid3358996 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid3358996 \par \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid3358996 Upravuj\'fa sa povinnosti samostatn\'e9ho finan\'e8n\'e9ho agenta a\~nie povinnos\'9d sprostredkovate\'bea doplnkov\'e9ho poistenia.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid3358996\charrsid3358996 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow309\irowband309\ltrrow \ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 93 (\'a7 34 ods. 1)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V \'a7 34 ods. 1 \'9eiadame posledn\'fa vetu preformulova\'9d nasledovne: \'84Reklama a propag\'e1cia smerovan\'e1 finan\'e8n\'fdm agentom alebo finan\'e8n\'fdm poradcom vo vz\'9dahu ku klientovi alebo potenci\'e1 lnemu klientovi mus\'ed by\'9d v\'9edy identifikovate\'ben\'e1 ako reklama alebo propag\'e1cia; ak vzh\'beadom na okolnosti pr\'edpadu nemus\'ed by\'9d povaha inform\'e1cie klientovi alebo potenci\'e1lnemu klientovi zrejm\'e1, mus\'ed finan\'e8n\'fd agent alebo finan\'e8n\'fd poradca v reklame alebo propag\'e1cii uvies\'9d jednozna\'e8n\'fa inform\'e1ciu, \'9ee sa jedn\'e1 o reklamu alebo propag\'e1ciu.\'93 Od\'f4vodnenie: Smernica vy\'9eaduje aby bola marketingov\'e1 komunik\'e1cia identifikovate \'ben\'e1 (\'e8l\'e1nok 17 ods. 2). To neznamen\'e1, \'9ee ka\'9ed\'e1 reklamn\'e1/marketingov\'e1 komunik\'e1cia mus\'ed by\'9d osobitne ozna\'e8en\'e1, ide iba o to, aby klient v\'9edy vedel rozozna\'9d, \'9ee sa jedn\'e1 o propag\'e1 ciu. Teda ak je zrejm\'e9, \'9ee ide o reklamu (napr. reklamn\'fd spot vysielan\'fd v reklamnom bloku), nie je potrebn\'e9 uv\'e1dza\'9d osobitn\'e9 vysvetlenie alebo dopl\'f2uj\'facu inform\'e1ciu. Ak v\'9aak p\'f4jde napr. o inzertn\'fd \'e8l\'e1 nok vo forme napr. platen\'e9ho rozhovoru, tam m\'e1 zmysel uv\'e1dza\'9d inform\'e1ciu o tom, \'9ee ide o marketingov\'fa komunik\'e1ciu. Tie\'9e je d\'f4le\'9eit\'e9, \'9ee smernica postihuje touto povinnos\'9dou ak\'fako\'bevek marketingov\'fa komunik \'e1ciu poch\'e1dzaj\'facu od distrib\'fatora a smeruj\'facu ku z\'e1kazn\'edkovi, teda zasahuje ako finan\'e8n\'e9 in\'9atit\'facie, tak aj finan\'e8n\'fdch sprostredkovate\'beov a net\'fdka sa iba propag\'e1cie finan\'e8n\'e9 ho sprostredkovania, ale aj propag\'e1cie finan\'e8n\'fdch produktov. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8731443 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8731443 \par \par \par \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow310\irowband310\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 99 (\'a7 37b ods. 2)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V \'a7 37b ods. 2 navrhujeme slov\'e1 \'84o ka\'9edom poistnom produkte\'93 nahradi\'9d slovami: \'84o ka\'9edom poistnom produkte, ku ktor\'e9mu vykon\'e1va finan\'e8n\'e9 sprostredkovanie alebo finan\'e8n\'e9 poradenstvo \'93. Od\'f4vodnenie: spresnenie ustanovenia, aby bolo zrejm\'e9, \'9ee povinnos\'9d sa t\'fdka iba t\'fdch produktov, ktor\'e9 m\'e1 dan\'fd sprostredkovate\'be vo svojom portf\'f3liu. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4662186 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid10109722 A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4662186 \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow311\irowband311\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 102 (\'a7 39 ods. 9 p\'edsm. c))}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V ustanoven\'ed \'a7 39 ods. 9 p\'edsm. c) navrhujeme za prv\'e9 slovo \'84fyzickej\'93 vlo\'9ei\'9d slovo \'84osoby\'93. Od\'f4vodnenie: legislat\'edvno-technick\'e1 \'faprava. \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid5519385 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow312\irowband312\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 12 (\'a7 4 p\'edsm. r))}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Za slovom \'84priamy\'93 navrhujeme vypusti\'9d slovo \'84podiel\'93, za \'e8\'edslovkou \'8410\'93 navrhujeme vypusti\'9d znak \'84%\'93. Z\'e1rove\'f2 \'9eiadame zadefinova\'9d pojem \'84v\'fdznamn\'fd vplyv \'93. Od\'f4vodnenie: Prv\'e9 dve navrhovan\'e9 zmeny s\'fa legislat\'edvno-technick\'e9 a odstra\'f2uj\'fa zbyto\'e8n\'fa duplicitu pojmov. Tretia zmena je z\'e1sadn\'e1 z d\'f4vodu, \'9ee navrhovan\'e9 znenie je v\'e1gne a vyvol\'e1va stav pr\'e1 vnej neistoty a mo\'9en\'e9ho r\'f4zneho v\'fdkladu. Napr. v \'a7 5 p\'edsm. e) z\'e1kona \'e8. 39/2015 Z. z. o pois\'9dovn\'edctve je v\'fdznamn\'fd vplyv definovan\'fd ako: \'84v\'fdznamn\'fdm vplyvom mo\'9enos\'9d uplat\'f2ovania vplyvu na riaden\'ed pr\'e1vnickej osoby porovnate\'ben\'e9ho s vplyvom zodpovedaj\'facim podielu 10% alebo viac percent na z\'e1kladnom iman\'ed alebo na hlasovac\'edch pr\'e1vach v pr\'e1vnickej osobe,\'93. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid7224699 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid7826430 A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid7224699 \par \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid7826430 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid7224699 \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow313\irowband313\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 61 (\'a7 22a ods. 2)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line \'8eiadame doplni\'9d za slov\'e1 \'84pre viazan\'fdch finan\'e8n\'fdch agentov, s ktor\'fdmi m\'e1 uzatvoren\'fa zmluvu pod\'bea \'a7 8\'93 slov\'e1 \'84a zamestnancov t\'fdchto viazan\'fdch finan\'e8n\'fdch agentov alebo z \'e1ujmov\'e9 zdru\'9eenie, ktor\'e9ho je finan\'e8n\'e1 in\'9atit\'facia \'e8lenom\'93 . Z\'e1rove\'f2 poukazujeme, \'9ee nie je zrejm\'e9, \'e8i m\'f4\'9ee finan\'e8n\'e1 in\'9atit\'facia vykon\'e1va\'9d osobitn\'e9 finan\'e8n\'e9 vzdel\'e1 vanie iba v sektore, v ktorom p\'f4sob\'ed ako finan\'e8n\'e1 in\'9atit\'facia, alebo \'e8i m\'f4\'9ee vykon\'e1va\'9d osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie aj pre sektory, v ktor\'fdch vystupuje ako sprostredkovate\'be (typicky: banka je finan\'e8n \'e1 in\'9atit\'facia v sektore poskytovania \'faverov a spotrebite\'besk\'fdch \'faverov a v sektore prij\'edmania vkladov. V sektore poistenia a zaistenia p\'f4sob\'ed ako samostatn\'fd finan\'e8n\'fd agent. Pre ak\'e9 sektory m\'f4\'9ee vykon\'e1va\'9d osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie pre svojich zamestnancov?). Od\'f4vodnenie: Pois\'9dov\'f2a by mala ma\'9d opr\'e1vnenie poskytova\'9d osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie aj pre zamestnancov jej viazan\'e9ho finan\'e8n\'e9 ho agenta alebo touto \'e8innos\'9dou poveri\'9d z\'e1ujmov\'e9 zdru\'9eenie, ktor\'e9ho je \'e8lenom. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid799410 \par \par \par \par \'c8A\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid7826430 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid7826430 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid7826430 Znenie ustanovenia \'a7 22a bolo upraven\'e9.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid7826430\charrsid7826430 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow314\irowband314\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 50 \'a7 21 ods. 9}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line \'8eiadame predkladate\'bea o jasn\'fa formul\'e1ciu ustanovenia vylu\'e8uj\'facu interpret\'e1ciu, \'9ee ka\'9ed\'fd \'e8len \'9atatut\'e1rneho organu SFA mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky pre stredn\'fd stupe\'f2 odbornej sp\'f4sobilosti a vypusti\'9d posledn\'fa vetu. Od\'f4vodnenie: Navrhovan\'e1 text\'e1cia tretej vety ustanovenia \'a7 21 ods. 9 navodzuje dojem, \'9ee ak pois\'9dov\'f2a bude z\'e1rove\'f2 vykon\'e1va\'9d aj \'e8innos\'9d finan\'e8n\'e9 ho sprostredkovania, bude musie\'9d ka\'9ed\'fd \'e8len jej \'9atatut\'e1rneho org\'e1nu sp\'e5\'f2a\'9d po\'9eiadavky pre stredn\'fd stupe\'f2 odbornej sp\'f4sobilosti, tak ako ich stanovuje z\'e1kon \'e8. 186/2009 Z.z., a to bez oh\'be adu na jeho rezortn\'e9 zameranie v r\'e1mci v\'fdkonu funkcie \'e8lena \'9atatut\'e1rneho org\'e1nu pois\'9dovne. Pova\'9eujeme za zjavne neprimeran\'e9 aby po\'9eiadavky kladen\'e9 na \'e8lenov \'9atatut\'e1rneho org\'e1nu finan\'e8nej in\'9atit\'fa cie - pois\'9dovne, ktor\'ed musia sp\'e5\'f2a\'9d po\'9eiadavky odbornosti a d\'f4veryhodnosti pod\'bea z\'e1kona \'e8. 39/2015 Z.z. o pois\'9dovn\'edctve boli identick\'e9 s po\'9eiadavkami, ak\'e9 s\'fa kladen\'e9 na \'e8lenov \'9atatut\'e1rneho org \'e1nu SFA, ktor\'fd nie je finan\'e8nou in\'9atit\'faciou. Uveden\'e9 ustanovenie ustanovuje pre odborn\'e9ho garanta finan\'e8nej in\'9atit\'facie (pois\'9dovne) po\'9eiadavku stredn\'e9ho stup\'f2a odbornej sp\'f4sobilosti, t.j. okrem in\'e9 ho vykonanie odbornej sk\'fa\'9aky a absolvovanie osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vanie. Tak\'fato po\'9eiadavku pova\'9eujeme za neprimeran\'fa s oh\'beadom na skuto\'e8nos\'9d, \'9ee ide o odborn\'e9ho garanta finan\'e8nej in\'9atit\'fa cie. Takouto osobou - odborn\'fdm garantom pois\'9dovne je spravidla pr\'edslu\'9an\'fd zamestnanec pois\'9dovne, pri\'e8om jeho odborn\'fa sp\'f4sobilos\'9d nemo\'9eno stava\'9d do rovnakej roviny ako odborn\'fa sp\'f4sobilos\'9d odborn\'e9ho garanta in \'e9ho subjektu, napr. samostatn\'e9ho finan\'e8n\'e9ho agenta, a to aj s oh\'beadom na \'84odborn\'e9 z\'e1zemie\'93 poskytovan\'e9 finan\'e8nou in\'9atit\'faciou pre svojich zamestnancov. D\'e1vame do pozornosti pr\'edslu\'9an\'e9 ustanovenia z\'e1 kona o pois\'9dovn\'edctve, v zmysle ktor\'fdch je pois\'9dov\'f2a povinn\'e1 zamestn\'e1va\'9d zamestnancov so sk\'fasenos\'9dami a odbornou sp\'f4sobilos\'9dou potrebnou na dodr\'9eiavanie pridelen\'fdch povinnost\'ed. Z\'e1kon o pois\'9dovn\'edctve s \'fa\'e8asne upravuje po\'9eiadavky na odborn\'fa sp\'f4sobilos\'9d, vedomosti, sk\'fasenosti aj pr\'edslu\'9an\'fdch ved\'facich zamestnancov pois\'9dovne. V r\'e1mci problematiky odborn\'e9ho garanta finan\'e8nej in\'9atit\'facie, je relevantn\'e1 ot \'e1zka, ktor\'e1 osoba je, resp. ktor\'fa osobu mo\'9eno pova\'9eova\'9d za odborn\'e9ho garanta a to s oh\'beadom na vecn\'e9 a kompeten\'e8n\'e9 rozdelenie pr\'edslu\'9anej agendy v podmienkach pois\'9dovne, t.j. agendy, za, ktor\'fa osoba odborn\'e9 ho garanta zodpoved\'e1; a to agenda t\'fdkaj\'faca sa (i) zamestnancov vykon\'e1vaj\'facich \'e8innos\'9d, ktorej obsahom je finan\'e8n\'e9 sprostredkovanie, (ii) viazan\'fdch finan\'e8n\'fdch agentov (iii) agenda preverovania a vybavovania s\'9da\'9e nost\'ed klientov (v s\'falade s ustanoven\'edm \'a7 25 ods. 6 a 8 platn\'e9ho z\'e1kona \'e8. 186/2009). Je mo\'9en\'e9, aby s oh\'beadom na vy\'9a\'9aie uveden\'e9 mala napr. finan\'e8n\'e1 in\'9atit\'facia nieko\'beko odborn\'fdch garantov ? \'c8i\'9e e namiesto neopodstatnenej po\'9eiadavky na odborn\'e9ho garanta finan\'e8nej in\'9atit\'facie (v zmysle navrhovan\'e9ho znenia \'a7 21 odsek 9), by sme uv\'edtali v n\'e1vrhu z\'e1kona jasne a zrozumite\'bene zadefinova\'9d osobu odborn\'e9 ho garanta samostatne pre finan\'e8n\'e9ho agenda a samostatne pre finan\'e8n\'fa in\'9atit\'faciu, a to aj s oh\'beadom na osobitn\'e9 kompeten\'e8n\'e9 prerozdelenie pr\'edslu\'9an\'fdch agend v podmienkach finan\'e8nej in\'9atit\'fa cie, resp. ako postupova\'9d v pr\'edpade, ak podmienku sp\'e5\'f2a s\'fa\'e8asne nieko\'beko os\'f4b. V s\'fa\'e8asnej \'faprave z\'e1kona tak\'e1to \'faprava nie je obsiahnut\'e1 (iba povinnos\'9d zahrn\'fa\'9d do organiza\'e8nej \'9atrukt\'fary odborn \'e9ho garanta a jeho zodpovednos\'9d). \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid7826430 \'c8A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid799410 \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow315\irowband315\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 57 (\'a7 22 ods. 2)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line \'8eiadame prv\'e9 tri vety preformulova\'9d nasledovne: \'84Fyzick\'e1 osoba, ktor\'e1 mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky pre z\'e1kladn\'fd stupe\'f2 odbornej sp\'f4sobilosti, je povinn\'e1 ka\'9edoro\'e8ne absolvova \'9d osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie. Fyzick\'e1 osoba, ktor\'e1 mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky pre stredn\'fd stupe\'f2 odbornej sp\'f4sobilosti, je povinn\'e1 ka\'9edoro\'e8ne absolvova\'9d osobitn\'e9 finan\'e8n\'e9 vzdel\'e1 vanie a najmenej ka\'9ed\'e9 \'9atyri roky absolvova\'9d overenie odbornej sp\'f4sobilosti \'faspe\'9an\'fdm vykonan\'edm odbornej sk\'fa\'9aky. Fyzick\'e1 osoba, ktor\'e1 mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky pre vy\'9a\'9a\'ed stupe\'f2 odbornej sp\'f4 sobilosti a fyzick\'e1 osoba, ktor\'e1 mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky pre najvy\'9a\'9a\'ed stupe\'f2 odbornej sp\'f4sobilosti, s\'fa povinn\'e9 ka\'9edoro\'e8ne absolvova\'9d osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie najmenej ka\'9ed\'e9 \'9a tyri roky absolvova\'9d overenie odbornej sp\'f4sobilosti \'faspe\'9an\'fdm vykonan\'edm odbornej sk\'fa\'9aky alebo \'faspe\'9an\'fdm vykonan\'edm odbornej sk\'fa\'9aky s certifik\'e1tom.\'93 Od\'f4vodnenie: Predkladate\'beom navrhovan\'e1 \'faprava zav \'e1dza dvojit\'fd re\'9eim \endash pre z\'e1kladn\'fd stupe\'f2 a stredn\'fd stupe\'f2 odbornej sp\'f4sobilosti sa zav\'e1dza ka\'9edoro\'e8n\'fd proces overovania (osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie + odborn\'e1 sk\'fa\'9aka, ak je vy\'9eadovan \'e1), pre vy\'9a\'9a\'ed a najvy\'9a\'9a\'ed stupe\'f2 v\'9aak zost\'e1va zachovan\'fd p\'f4vodn\'fd \'9atvorro\'e8n\'fd cyklus overovania. Tento re\'9eim nie je v s\'falade s po\'9eiadavkami \'e8l\'e1nku 10 ods. 2 IDD. Navrhujeme preto, aby pre ka\'9ed \'fa kateg\'f3riu platila povinnos\'9d absolvova\'9d osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie ka\'9ed\'fd rok (v s\'falade s IDD) a pre odborn\'fa sk\'fa\'9aku navrhujeme ponecha\'9d existuj\'faci \'9atvorro\'e8n\'fd cyklus. \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid799410 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid7826430 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15753012 A \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15753012 \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow316\irowband316\ltrrow\ts11\trqc\trleft-8\trbrdrt \brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 81 (\'a7 32 ods. 2):}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line \'8eiadame slov\'e1 \'84existencii, povahe a v\'fd\'9ake odmeny\'93 nahradi\'9d slovami \'84existencii a povahe odmeny\'93. Od\'f4vodnenie: Znenie navrhnut\'e9 predkladate\'beom nie je vykonate\'ben\'e9. Defin\'ed cia odmeny je prevzat\'e1 zo smernice, av\'9aak ciele sledovan\'e9 smernicou s\'fa in\'e9 ako ciele sledovan\'e9 regul\'e1ciou prov\'edzie. \'8airok\'e1 defin\'edcia odmeny pod\'bea IDD sl\'fa\'9ei najm\'e4 transparentnosti, aby mal klient vedomos\'9d o charaktere odmeny a o vz\'9dahu distrib\'fatora poistenia smerom k pois\'9dovni (vi\'ef recit\'e1l \'e8. 40 IDD a \'e8l\'e1nok 19 IDD). Stanovenie v\'fd\'9aky odmeny vo vz\'9dahu k uzatv\'e1ranej zmluve (ako predpoklad\'e1 n\'e1vrh z\'e1kona) je v\'9a ak problematick\'e9, ak odmena zah\'e0\'f2a ak\'fdko\'bevek ekonomick\'fd benefit, pri\'e8om prijatie benefitu nemus\'ed by\'9d viazan\'e9 na uzavretie konkr\'e9tnej zmluvy. Z\'e1rove\'f2 n\'e1vrh neur\'e8uje, \'e8i sa m\'e1 v\'fd\'9aka odmeny stanovi\'9d s oh\'beadom na odmenu, ktor\'fa prij\'edma finan\'e8n\'fd sprostredkovate\'be komunikuj\'faci s klientom, alebo \'e8i sa m\'e1 v\'fd\'9aka odmeny stanovi\'9d s oh\'beadom na sumu, ktor\'fa vypl\'e1ca finan\'e8n\'e1 in\'9atit\'facia. Ke\'ef\'9e e paralelne s t\'fdmto n\'e1vrhom pripravuje predkladate\'be n\'e1vrh regul\'e1cie odme\'f2ovania, navrhujeme ot\'e1zku zverej\'f2ovania v\'fd\'9aky odmeny rie\'9ai\'9d komplexne spolu s regul\'e1ciou odme\'f2ovania. \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid7826430 \par A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid799410 \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow317\irowband317\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 81 (\'a7 32 ods. 1)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line \'8eiadame slov\'e1 \'84vykon\'e1van\'edm finan\'e8n\'e9ho sprostredkovania\'93 nahradi\'9d slovami \'84uzavret\'edm zmluvy o finan\'e8nej slu\'9ebe\'93 a vypusti\'9d slovo \'84neprofesion\'e1lneho\'93. Od\'f4 vodnenie: Znenie navrhnut\'e9 predkladate\'beom nie je vykonate\'ben\'e9. Vzh\'beadom na v\'fdpo\'e8et \'e8innost\'ed, ktor\'e9 spadaj\'fa pod finan\'e8n\'e9 sprostredkovanie nie je mo\'9en\'e9 ozn\'e1mi\'9d odmenu klientovi pred vykon\'e1van\'edm finan \'e8n\'e9ho sprostredkovania, preto\'9ee by to znamenalo, \'9ee finan\'e8n\'fd sprostredkovate\'be by musel o odmene hovori\'9d hne\'ef na za\'e8iatku (e\'9ate pred t\'fdm ako za\'e8ne vykon\'e1va\'9d ak\'fdko\'bevek \'fakon spadaj\'faci pod finan\'e8n \'e9 sprostredkovanie). Preto navrhujeme, aby informa\'e8n\'e1 povinnos\'9d musela by\'9d splnen\'e1 pred uzavret\'edm zmluvy o finan\'e8nej slu\'9ebe. Tento n\'e1vrh zodpoved\'e1 aj z\'e1meru sledovan\'e9mu smernicou, ke\'ef\'9ee smernica vych\'e1dz a zo z\'e1sady, \'9ee v\'9aetky informa\'e8n\'e9 povinnosti (aj v oblasti odme\'f2ovania) musia by\'9d splnen\'e9 \'84v dostato\'e8nom predstihu pred uzavret\'edm poistnej zmluvy\'93 (\'84in good time before conclusion of an insurance contract\'93) \endash vi\'ef napr. \'e8l\'e1nok 18 IDD, \'e8l\'e1nok 19, \'e8l\'e1nok 28 IDD a osobitne pre odme\'f2ovanie \'e8l\'e1nok 19 ods. 2 IDD. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 { \rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid4859350 \par \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow318\irowband318\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 81 (\'a7 32 ods. 5)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line \'8eiadame slovo \'84najlep\'9a\'edmi\'93 nahradi\'9d slovom \'84opr\'e1vnen\'fdmi\'93 a v druhej vete slov\'e1 \'84by bolo mo\'9en\'e9\'93 nahradi\'9d slovami \'84m\'f4\'9eu\'93. Od\'f4vodnenie: legislat\'edvno-technick\'e1 \'faprava, zos\'faladenie s existuj\'facim znen\'edm \'a7 28 ods. 1 z\'e1kona, ktor\'e9 uv\'e1dza povinnos\'9d kona\'9d v \'84v z\'e1ujme pr\'e1v a opr\'e1vnen\'fdch z\'e1ujmov klienta\'93. Ke\'ef\'9ee sa predkladate\'be rozhodol nezasahova\'9d do existuj\'faceho znenia \'a7 28 ods. 1 (s oh\'beadom na \'e8l\'e1nok 17 ods. 1 IDD), je potrebn\'e9 vn\'fatorne zos\'faladi\'9d terminol\'f3giu. Zo znenia navrhovan\'e9ho predkladate\'beom nie je zrejm\'e9, \'e8i mo\'9enos\'9d pon\'faknutia in\'e9 ho produktu m\'e1 by\'9d hypotetick\'e1 alebo re\'e1lna. Predpoklad\'e1me, \'9ee z\'e1merom bolo postihn\'fa\'9d iba tie situ\'e1cie, ak sprostredkovate\'be m\'e1 re\'e1lnu mo\'9enos\'9d pon\'faknu\'9d klientovi in\'fd produkt (t.j. m\'e1 ho vo svojom portf\'f3liu pon\'fakan\'fdch produktov). T\'e1to rovina je obzvl\'e1\'9a\'9d d\'f4le\'9eit\'e1 v slovenskom pr\'e1vnom prostred\'ed, ke\'ef\'9ee predkladate\'beom navrhovan\'e9 znenie sa vz\'9dahuje nielen na poistn\'e9 produkty (vo\'e8 i ktor\'fdm smeruje preberan\'e1 smernica), ale na v\'9aetky sektory (teda povinnos\'9d sa vz\'9dahuje aj na substitu\'e8n\'e9 alebo alternat\'edvne produkty z in\'fdch sektorov). \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid13255167 \par \par \par \par \'c8A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid13255167 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid13255167 \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid10229235 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid13255167\charrsid13255167 Navrhovan\'e9 znenie }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid13255167 je v\~s\'falade so smernicou IDD.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid13255167\charrsid13255167 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow319\irowband319\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. II bod 3 (\'a7 70 ods. 9)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line \'8eiadame slovo \'84najlep\'9a\'edmi\'93 nahradi\'9d slovom \'84opr\'e1vnen\'fdmi\'93 v druhej vete slov\'e1 \'84by bolo mo\'9en\'e9\'93 nahradi\'9d slovami \'84m\'f4\'9eu\'93 a za slov\'e1 \'84in\'fd poistn\'fd produkt\'93 vlo\'9ei\'9d slov\'e1 \'84pois\'9dovne alebo pobo\'e8ky zahrani\'e8nej pois\'9dovne\'93. Od\'f4vodnenie: legislat\'edvno-technick\'e1 \'faprava, zos\'faladenie s existuj\'facim znen\'edm \'a7 28 ods. 1 z\'e1kona \'e8. 186/2009 Z. z., ktor\'e9 uv\'e1 dza povinnos\'9d kona\'9d \'84v z\'e1ujme pr\'e1v a opr\'e1vnen\'fdch z\'e1ujmov klienta\'93. Ke\'ef\'9ee sa predkladate\'be rozhodol nezasahova\'9d do existuj\'faceho znenia \'a7 28 ods. 1 (s oh\'beadom na \'e8l\'e1nok 17 ods. 1 IDD), je potrebn\'e9 vn \'fatorne zos\'faladi\'9d pou\'9e\'edvan\'fa terminol\'f3giu. Zo znenia navrhovan\'e9ho predkladate\'beom nie je zrejm\'e9, \'e8i mo\'9enos\'9d pon\'faknutia in\'e9ho produktu m\'e1 by\'9d hypotetick\'e1 alebo re\'e1lna. Predpoklad\'e1me, \'9ee z\'e1 merom bolo postihn\'fa\'9d iba tie situ\'e1cie, ak zamestnanec pois\'9dovne m\'e1 re\'e1lnu mo\'9enos\'9d pon\'faknu\'9d klientovi in\'fd produkt (t.j. m\'e1 ho vo svojom portf\'f3liu pon\'fakan\'fdch produktov danej pois\'9dovne). \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15753012 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid13255167 \'c8}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15753012 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid13255167 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid13255167\charrsid13255167 Navrhovan\'e9 znenie }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid13255167 je v\~s\'falade so smernicou IDD.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid13255167 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow320\irowband320\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 18 (\'a7 11)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line \'8eiadame upravi\'9d, v akom rozsahu m\'e1 finan\'e8n\'fd sprostredkovate\'be z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu opr\'e1vnenie vykon\'e1va\'9d finan\'e8n\'e9 sprostredkovanie alebo finan\'e8n\'e9 poradenstvo na \'fazem \'ed SR. Od\'f4vodnenie: Ke\'ef\'9ee v r\'f4znych \'e8lensk\'fdch \'9at\'e1toch existuj\'fa r\'f4zne mo\'9enosti v\'fdkonu sprostredkovania a ke\'ef\'9ee predkladate\'be sa rozhodol netransponova\'9d v\'9aetky stupne sprostredkovania, ktor\'e9 vypl\'fdvaj \'fa zo smernice IDD (predaj bez odpor\'fa\'e8ania, predaj s odpor\'fa\'e8an\'edm, odpor\'fa\'e8anie na z\'e1klade nestrannej anal\'fdzy dostato\'e8n\'e9ho po\'e8tu produktov), bud\'fa pri cezhrani\'e8n\'fdch sprostredkovate\'beoch vznika\'9d aplika\'e8n \'e9 probl\'e9my (tak ako vznikaj\'fa dnes) v oblasti rozsahu a sp\'f4sobu v\'fdkonu ich \'e8innosti na \'fazem\'ed Slovenskej republiky. Z d\'f4vodu pr\'e1vnej istoty je potrebn\'e9, aby zo z\'e1kona bolo zrejm\'e9, v akom rozsahu s\'fa opr\'e1vnen\'ed vykon\'e1va\'9d \'e8innos\'9d na \'fazem\'ed Slovenskej republiky, a to aj s oh\'beadom na vn\'fatro\'9at\'e1tne \'9apecifik\'e1 (napr. v oblasti pod\'e1vania \'84odpor\'fa\'e8ania\'93 (advice), v oblasti odme\'f2ovania (kedy odme\'f2 uje klient a kedy finan\'e8n\'e1 in\'9atit\'facia). \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15753012 \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid15411068 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15753012 N\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid1264495 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid1264495 Ustanovenia n\'e1vrhu z\'e1kona, ktor\'e9 upravuj\'fa oblas\'9d vykon\'e1vania \'e8innosti finan\'e8n\'e9ho sprostredkovate\'bea z\~in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu je plne v\~s\'falade so smernicou IDD. \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid15411068 Znenie bolo preformulovan\'e9.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15411068 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow321\irowband321\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. II}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line \'8eiadame vlo\'9ei\'9d nov\'fd bod 4, ktor\'fd znie: \'844. V \'a7 72 sa v odseku 9 vkladaj\'fa nov\'e9 p\'edsm. a) a b) \'84a) n\'e1zov pois\'9dovne, pobo\'e8ky pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ky zahrani\'e8nej pois \'9dovne, ktor\'e1 zaevidovala poistn\'fa udalos\'9d alebo \'9akodov\'fa udalos\'9d, b) typ poistenia, ku ktor\'e9mu sa poistn\'e1 udalos\'9d alebo \'9akodov\'e1 udalosti via\'9ee,\'93 Doteraj\'9aie a) a\'9e f) sa ozna\'e8uj\'fa ako z p\'edsm. c) a\'9e h). a dop\'e5\'f2aj\'fa nov\'e9 p\'edsmena g), h), i) a j), ktor\'e9 znej\'fa: \'84g) rodn\'e9 \'e8\'edsla \'fa\'e8astn\'edkov poistnej udalosti alebo \'9akodovej udalosti, h) v\'fd\'9aka vyplaten\'e9ho poistn\'e9ho plnenia, i) v\'fd\'9a ka vytvorenej rezervy k nahl\'e1senej poistnej udalosti alebo \'9akodovej udalosti, j) pr\'edznak, \'9ee i\'9alo o tot\'e1lne po\'9akodenie vozidla, k) \'fadaje potrebn\'e9 k zabezpe\'e8eniu povinnosti pois\'9dovne, pobo\'e8ky pois\'9dovne z in\'e9ho \'e8 lensk\'e9ho \'9at\'e1tu a pobo\'e8ky zahrani\'e8nej pois\'9dovne pod\'bea \'a7 72 ods. 12 tohoto z\'e1kona.\'93.\'93. Nasleduj\'faci bod 4 sa ozna\'e8\'ed ako bod 5. Od\'f4vodnenie: Prax pri tvorbe a vyu\'9e\'edvan\'ed registra poistn\'fdch udalost\'ed uk \'e1zala, \'9ee pre \'fa\'e8innos\'9d registra ako n\'e1stroja pre boj s pois\'9dovac\'edmi podvodmi s\'fa potrebn\'e9 aj \'efal\'9aie \'fadaje okrem t\'fdch, ktor\'e9 register m\'f4\'9ee obsahova\'9d pod\'bea doteraj\'9aieho znenia z\'e1 kona napr. doplnenie typu poistenia (napr. PZP, havarijn\'e9 poistenie, \'9eivotn\'e9 poistenie, at\'ef.) napom\'f4\'9ee jednoduch\'9aiemu vyh\'bead\'e1vaniu v registri poistn\'fdch udalost\'ed, kedy zad\'e1vate\'be dopytu m\'f4\'9ee z\'fa\'9ei\'9d vyh \'bead\'e1vanie len na konkr\'e9tny typ poistenia, z ktor\'e9ho rie\'9ai poistn\'fa udalos\'9d alebo \'9akodov\'fa udalos\'9d. \'dadaj o pr\'edznaku, \'9ee i\'9alo o tot\'e1lne po\'9akodenie vozidla je potrebn\'fd ak pois\'9dov\'f2a likviduje \'9a kodu ako tot\'e1lnu, a to aj v nadv\'e4znosti na pripravovan\'fa eur\'f3psku legislat\'edvu oh\'beadne z\'e1va\'9en\'fdch \'9ak\'f4d na vozidl\'e1ch (nadviaza\'9d na predch\'e1dzanie pois\'9dovac\'edm podvodom op\'e4tovn\'fdm poisten\'edm vozidiel zapojen \'fdch do z\'e1va\'9en\'fdch dopravn\'fdch neh\'f4d). Uvedenie n\'e1zvu pois\'9dovne, pobo\'e8ky pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ky zahrani\'e8nej pois\'9dovne, ktor\'e1 zaevidovala poistn\'fa udalos\'9d alebo \'9akodov\'fa udalos\'9d, v registri sa vzh\'beadom k zneniu ostatn\'fdch ustanoven\'ed \'a7 72 ZoP t\'fdkaj\'facich sa registra poistn\'fdch udalost\'ed zjavne predpoklad\'e1, av\'9aak tento \'fadaj sa v taxat\'edvnom v\'fdpo\'e8te \'fadajov v ods. 9, ktor\'e9 m\'f4 \'9ee register poistn\'fdch udalost\'ed obsahova\'9d, neuv\'e1dza. Obdobne to plat\'ed pri \'fadajoch pod\'bea \'a7 72 ods. 12, kde s\'fa tieto \'fadaje potrebn\'e9 na dodr\'9eanie leh\'f4t stanoven\'fdch pre uchov\'e1vanie \'fadajov v registri. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15148816 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15411068 \par \par \par \par \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15148816 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid10182359 \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow322\irowband322\ltrrow\ts11\trqc\trleft-8\trbrdrt \brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. II }{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line \'8eiadame vlo\'9ei\'9d nov\'fd bod 5, ktor\'fd znie: \'845. V \'a7 72 ods. 4 sa za p\'edsmeno a) vklad\'e1 nov\'e9 p\'edsm. b), ktor\'e9 znie: \'84b) pois\'9dov\'f2ou, pois\'9dov\'f2ou z in\'e9ho \'e8lensk\'e9ho \'9at\'e1 tu, resp. pobo\'e8kou zahrani\'e8nej pois\'9dovne na jednej strane a zmluvnou zais\'9dov\'f2ou, zais\'9dov\'f2ou z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu, resp. pobo\'e8kou zahrani\'e8nej zais\'9dovne na strane druhej, ak ide o vz\'e1jomn\'fa v\'fd menu a zdie\'beanie inform\'e1ci\'ed t\'fdkaj\'facich sa poistn\'fdch zml\'fav a poistn\'fdch udalost\'ed z t\'fdchto poistn\'fdch zml\'fav, ku ktor\'fdm pr\'edslu\'9an\'e1 zais\'9dov\'f2a, zais\'9dov\'f2a z in\'e9ho \'e8lensk\'e9ho \'9at\'e1 tu, resp. pobo\'e8ka zahrani\'e8nej zais\'9dovne poskytuje zaistenie,\'93 Doteraj\'9aie p\'edsmeno b) sa ozna\'e8uje ako z p\'edsmeno c). Od\'f4vodnenie: V s\'fa\'e8asnosti v ZoP absentuje v\'fdnimka z povinnosti ml\'e8anlivosti aj vo vz\'9dahu k zais\'9d ovniam, zais\'9dovniam z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu, resp. pobo\'e8k\'e1m zahrani\'e8n\'fdch zais\'9dovn\'ed. Pritom je \'9atandardom na trhu, \'9ee pois\'9dovne, pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu, resp. pobo\'e8ky zahrani\'e8n \'fdch pois\'9dovn\'ed pren\'e1\'9aaj\'fa \'e8as\'9d poistn\'e9ho rizika, ktor\'e9 nes\'fa, na zais\'9dovne, zais\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu, resp. pobo\'e8ky zahrani\'e8n\'fdch zais\'9dovn\'ed, s \'e8\'edm je nevyhnutne spojen\'e9 aj poskytnutie \'fadajov o poistn\'fdch zmluv\'e1ch, na ktor\'e9 sa zaistenie vz\'9dahuje, resp. o \'9akodov\'fdch/poistn\'fdch udalostiach. V nadv\'e4znosti ustanovenie \'a7 78 ods. 4 z\'e1kona o pois\'9dovn\'edctve je potrebn\'e9 doplnenie v\'fd nimky z povinnosti ml\'e8anlivosti. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14908915 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15411068 A \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14908915 \par \par \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid15411068 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14908915 \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow323\irowband323\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. II}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line \'8eiadame vlo\'9ei\'9d nov\'fd bod 6, ktor\'fd znie: \'846. V \'a7 78 ods. 1 sa vyp\'fa\'9a\'9daj\'fa slov\'e1 \'84pri ka\'9edom uzavieran\'ed poistnej zmluvy\'93.\'93. Od\'f4vodnenie: Pois\'9dov\'f2a potrebuje z\'edskava\'9d a sprac\'fava\'9d osobn\'e9 \'fadaje nielen v s\'favislosti s uzavret\'edm poistnej zmluvy, ale aj v s\'favislosti s ostatn\'fdmi \'fakonmi, ktor\'e9 s\'fa r\'e1mcovo vymedzen\'e9 v \'a7 78 ods. 3 z\'e1kona. Preto nie je d\'f4vod, aby sa povinnos\'9d poskytnutia \'fa dajov limitovala iba na \'e8asov\'fd okamih uzavierania poistnej zmluvy, d\'f4le\'9eit\'e9 s\'fa aj in\'e9 udalosti (ako napr. \'9eiados\'9d klienta o zmenu poistnej zmluvy, nahl\'e1senie poistnej udalosti). \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14908915 \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow324\irowband324\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. II}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line \'8eiadame vlo\'9ei\'9d nov\'fd bod 7, ktor\'fd znie: \'847. V \'a7 73 ods. 1 sa vyp\'fa\'9a\'9da bodko\'e8iarka a text nasleduj\'faci za bodko\'e8iarkou: \'84oddelen\'e1 spr\'e1va mus\'ed by\'9d zabezpe\'e8en\'e1\'93.\'93. Od\'f4vodnenie: jazykov \'e1 \'faprava, ktor\'e1 za cie\'be lep\'9aie zos\'faladenie s textom smernice Solventnos\'9d II. Aktu\'e1lne znenie pozost\'e1va z dvoch viet oddelen\'fdch bodko\'e8iarkou, ktor\'e9 s\'fa zdrojom viacer\'fdch mo\'9en\'fdch v\'fdkladov, ke\'ef\'9ee sa daj \'fa vyklada\'9d oddelene. Navrhovan\'e9 znenie vych\'e1dza z cie\'beov sledovan\'fdch smernicou (recit\'e1l \'e8. 44 a \'e8l\'e1nok 74 ods. 1 smernice Solventnos\'9d II). \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15665111 \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow325\irowband325\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. II}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line \'8eiadame vlo\'9ei\'9d nov\'fd bod 8, ktor\'fd znie: \'848. V \'a7 78 odsek 3 znie: \'84(3) Na \'fa\'e8ely identifik\'e1cie klientov a ich z\'e1stupcov a zachovania mo\'9enosti n\'e1slednej kontroly tejto identifik\'e1cie, na \'fa\'e8 ely uzavierania poistn\'fdch zml\'fav a spr\'e1vy poistenia medzi pois\'9dov\'f2ou, pobo\'e8kou pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8kou zahrani\'e8nej pois\'9dovne a jej klientmi, na \'fa\'e8ely likvid\'e1cie poistn\'fdch udalost \'ed alebo \'9akodov\'fdch udalost\'ed zo strany pois\'9dovne, pobo\'e8ky pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ky zahrani\'e8nej pois\'9dovne, na \'fa\'e8el ochrany a dom\'e1hania sa pr\'e1v pois\'9dovne, pobo\'e8ky pois\'9d ovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ky zahrani\'e8nej pois\'9dovne vo\'e8i jej klientom, na \'fa\'e8el zdokumentovania \'e8innosti pois\'9dovne, pobo\'e8ky pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ky zahrani\'e8 nej pois\'9dovne, na \'fa\'e8ely v\'fdkonu doh\'beadu nad pois\'9dov\'f2ami, pobo\'e8kami pois\'9dovn\'ed z in\'fdch \'e8lensk\'fdch \'9at\'e1tov a pobo\'e8kami zahrani\'e8n\'fdch pois\'9dovn\'ed a nad ich \'e8innos\'9dami a na plnenie povinnost\'ed a \'faloh pois\'9dovne, pobo\'e8ky pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ky zahrani\'e8nej pois\'9dovne pod\'bea tohto z\'e1kona alebo osobitn\'fdch predpisov52) je pois\'9dov\'f2a, pobo\'e8ka pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ka zahrani\'e8nej pois\'9dovne aj bez s\'fahlasu a informovania dotknut\'fdch os\'f4b53) opr\'e1vnen\'e1 zis\'9dova\'9d, z\'edskava\'9d, zaznamen\'e1va\'9d, uchov\'e1va\'9d, vyu\'9e\'edva\'9d a inak sprac\'fava\'9d54) osobn\'e9 \'fa daje a in\'e9 \'fadaje v rozsahu pod\'bea odseku 1 a \'a7 72 ods. 1 ako aj \'fadaje s\'favisiace s po\'9eiadavkami a potrebami klienta, jeho sk\'fasenos\'9dami a znalos\'9dami t\'fdkaj\'facimi sa pr\'edslu\'9an\'e9ho poistenia a s jeho finan\'e8nou situ \'e1ciou zis\'9dovan\'fdmi a zaznamen\'e1van\'fdmi na z\'e1klade osobitn\'e9ho predpisu18); pritom je pois\'9dov\'f2a, pobo\'e8ka pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ka zahrani\'e8nej pois\'9dovne opr\'e1vnen\'e1 s pou\'9eit\'ed m automatizovan\'fdch alebo neautomatizovan\'fdch prostriedkov vyhotovova\'9d k\'f3pie dokladov toto\'9enosti a sprac\'fava\'9d rodn\'e9 \'e8\'edsla55) a \'efal\'9aie \'fadaje a doklady vymedzen\'e9 v odseku 1.\'93 Od\'f4vodnenie: Do odseku 3 sa dop\'e5 \'f2a opr\'e1vnenie pois\'9dovn\'ed, pobo\'e8iek pois\'9dovn\'ed z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8iek zahrani\'e8n\'fdch pois\'9dovn\'ed sprac\'fava\'9d osobn\'e9 \'fadaje klientov a in\'e9 \'fadaje aj na \'fa\'e8el likvid\'e1cie poistn \'fdch udalost\'ed alebo \'9akodov\'fdch udalost\'ed. Kore\'9aponduje to s navrhovan\'fdm doplnen\'edm ods. 1 vo vz\'9dahu k povinnosti klientov poskytn\'fa\'9d pois\'9dovniam, pobo\'e8k\'e1m pois\'9dovn\'ed in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8 k\'e1m zahrani\'e8n\'fdch pois\'9dovn\'ed doklady a \'fadaje preukazuj\'face zdravotn\'fd stav v rozsahu nevyhnutnom na zistenie rozsahu povinnosti poskytn\'fa\'9d poistn\'e9 plnenie. V zmysle odseku 3 s\'fa pois\'9dovne, pobo\'e8ky pois\'9dovn\'ed z in \'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ky zahrani\'e8n\'fdch pois\'9dovn\'ed opr\'e1vnen\'e9 sprac\'fava\'9d v\'9aetky \'fadaje pod\'bea odseku 1, av\'9aak v\'fdslovn\'e9 uvedenie \'fa\'e8elu sprac\'favania \'fadajov preukazuj\'facich zdravotn\'fd stav klienta v rozsahu nevyhnutnom na zistenie rozsahu povinnosti poskytn\'fa\'9d poistn\'e9 plnenie, t. j. na \'fa\'e8ely likvid\'e1cie poistn\'fdch udalost\'ed alebo \'9akodov\'fdch udalost\'ed, v odseku 3 absentovalo. Do odseku 3 sa taktie\'9e dop\'e5 \'f2a opr\'e1vnenie pois\'9dovn\'ed, pobo\'e8iek pois\'9dovn\'ed z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8iek zahrani\'e8n\'fdch pois\'9dovn\'ed sprac\'fava\'9d \'fadaje s\'favisiace s po\'9eiadavkami a potrebami klienta, jeho sk\'fasenos\'9d ami a znalos\'9dami t\'fdkaj\'facimi sa pr\'edslu\'9an\'e9ho poistenia a s jeho finan\'e8nou situ\'e1ciou zis\'9dovan\'fdmi a zaznamen\'e1van\'fdmi na z\'e1klade osobitn\'e9ho predpisu (z\'e1kona \'e8. 186/2009 Z. z.) a to z d\'f4vodu navrhovan\'e9 ho doplnenia ZoP o povinnos\'9d pois\'9dovn\'ed, pobo\'e8iek pois\'9dovn\'ed z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8iek zahrani\'e8n\'fdch pois\'9dovn\'ed zis\'9dova\'9d a zaznamen\'e1va\'9d po\'9eiadavky a potreby klienta, jeho sk\'fa senosti a znalosti t\'fdkaj\'face sa pr\'edslu\'9an\'e9ho poistenia a jeho finan\'e8n\'fa situ\'e1ciu v pr\'edpade, ak ide o priamy predaj poistenia. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid10182359 \par \par \par \par \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15665111 A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow326\irowband326\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I nad r\'e1mec z\'e1kona}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line \'8eiadame vlo\'9ei\'9d nov\'fd bod 81, ktor\'fd znie: \'8481. V \'a7 31 sa za slov\'e1 \'84na \'fa\'e8ely vykon\'e1vania doh\'beadu\'93 vklad\'e1 \'e8iarka a slov\'e1 \'84na \'fa\'e8ely v\'fdmeny inform\'e1cii, t\'fdkaj\'fa cich sa sprostredkovan\'fdch finan\'e8n\'fdch slu\'9eieb medzi samostatn\'fdm finan\'e8n\'fdm agentom a jeho podriaden\'fdm finan\'e8n\'fdm agentom alebo viazan\'fdm finan\'e8n\'fdm agentom a finan\'e8nou in\'9atit\'faciou, pre ktor\'fa vykon\'e1 va sprostredkovate\'besk\'fa \'e8innos\'9d\'93 a za slov\'e1 \'84v rozsahu pod\'bea odseku 1\'93 sa vkladaj\'fa slov\'e1 \'84a pod\'bea \'a7 35 ods. 1\'93. Nasleduj\'face body sa pre\'e8\'edsluj\'fa. Od\'f4vodnenie: V s\'fa\'e8asnej pr\'e1vnej \'fa prave absentuje \'fa\'e8el sprac\'favania osobn\'fdch \'fadajov klientov medzi SFA a jeho PFA a medzi VFA a finan\'e8nou in\'9atit\'faciou, pre ktor\'fa sprostredk\'fava finan\'e8n\'e9 slu\'9eby a uveden\'fa \'fapravu pova\'9eujeme za \'9eiad\'facu za \'fa\'e8elom zjednodu\'9aenia poskytovania t\'fdchto inform\'e1cii len v r\'e1mci t\'fdchto os\'f4b v postaven\'ed nadriadenosti a podriadenosti. Taktie\'9e hoci finan\'e8n\'fd agent a finan\'e8n\'fd poradca maj\'fa pod\'bea existuj\'faceho znenia z\'e1 kona povinnos\'9d \'84zisti\'9d a zaznamena\'9d po\'9eiadavky a potreby klienta, jeho sk\'fasenosti a znalosti t\'fdkaj\'face sa pr\'edslu\'9anej finan\'e8nej slu\'9eby a o jeho finan\'e8nej situ\'e1cii\'93, nemaj\'fa dnes z\'e1konn\'e9 opr\'e1 vnenie na sprac\'favanie t\'fdchto \'fadajov. Dost\'e1vaj\'fa sa tak do situ\'e1cie, \'9ee maj\'fa povinnos\'9d zaznamena\'9d ur\'e8it\'e9 osobn\'e9 \'fadaje o klientovi, ale nevedia tak spravi\'9d bez s\'fahlasu klienta so spracovan\'edm t\'fdchto \'fa dajov. Navrhujeme preto zos\'faladenie stavu a explicitn\'e9 zaradenie \'fadajov uveden\'fdch v \'a7 35 ods. 1 z\'e1kona do okruhu \'fadajov, pre ktor\'e9 m\'e1 finan\'e8n\'fd sprostredkovate\'be mo\'9enos\'9d sprac\'fava\'9d osobn\'e9 \'fa daje priamo na z\'e1klade z\'e1kona. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid10182359 \par \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid6570053 A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid10182359 \par \par \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow327\irowband327\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. II}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line \'8eiadame vlo\'9ei\'9d nov\'fd bod 9, ktor\'fd znie: \'849. V \'a7 78 sa za odsek 3 vklad\'e1 nov\'fd odsek 4, ktor\'e9 znie: \'84(4) Na \'fa\'e8ely spr\'e1vy zaistn\'fdch zml\'fav medzi pois\'9dov\'f2ou, pobo\'e8kou pois\'9dovne z in\'e9ho \'e8 lensk\'e9ho \'9at\'e1tu, resp. pobo\'e8kou zahrani\'e8nej pois\'9dovne a zais\'9dov\'f2ou, zais\'9dov\'f2ou z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu, resp. pobo\'e8kou zahrani\'e8nej zais\'9dovne, na \'fa\'e8ely vybavovania n\'e1rokov zo zaistn\'fdch zml \'fav a na \'fa\'e8el kontroly poskytnut\'fdch plnen\'ed z poistn\'fdch zml\'fav, ku ktor\'fdm zais\'9dov\'f2a, pobo\'e8ka zais\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ka zahrani\'e8nej zais\'9dovne poskytuje zaistenie, je zais\'9dov\'f2 a, pobo\'e8ka zais\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ka zahrani\'e8nej zais\'9dovne aj bez s\'fahlasu a informovania dotknut\'fdch os\'f4b53) opr\'e1vnen\'e1 zis\'9dova\'9d, z\'edskava\'9d, zaznamen\'e1va\'9d, uchov\'e1va\'9d, vyu \'9e\'edva\'9d a inak sprac\'fava\'9d54) osobn\'e9 \'fadaje a in\'e9 \'fadaje v rozsahu pod\'bea odseku 1 a \'a7 72 ods. 1.\'93 Doteraj\'9aie odseky 4 a\'9e 8 sa \'efalej ozna\'e8uj\'fa ako odseky 5 a\'9e 9. Od\'f4vodnenie: V s\'fa\'e8 asnosti v ZoP absentuje z\'e1konn\'e9 opr\'e1vnenie sprac\'fava\'9d osobn\'e9 \'fadaje klientov zo strany zais\'9dovn\'ed, zais\'9dovn\'ed z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu, resp. pobo\'e8iek zahrani\'e8n\'fdch zais\'9dovn\'ed. Pritom je \'9a tandardom na trhu, \'9ee pois\'9dovne, pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu, resp. pobo\'e8ky zahrani\'e8n\'fdch pois\'9dovn\'ed pren\'e1\'9aaj\'fa \'e8as\'9d poistn\'e9ho rizika, ktor\'e9 nes\'fa, na zais\'9dovne, zais\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu, resp. pobo\'e8ky zahrani\'e8n\'fdch zais\'9dovn\'ed, s \'e8\'edm je nevyhnutne spojen\'e9 aj sprac\'favanie \'fadajov o poistn\'fdch zmluv\'e1ch, na ktor\'e9 sa zaistenie vz\'9dahuje, resp. o \'9akodov\'fdch/poistn\'fd ch udalostiach. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9862439 \par \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid10182359 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9862439 A \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9862439 \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow328\irowband328\ltrrow\ts11\trqc\trleft-8\trbrdrt \brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 29 (\'a7 16 ods. 3)}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line \'8eiadame vypusti\'9d slov\'e1 \'84alebo opakovane z\'e1va\'9en\'fdm sp\'f4sobom poru\'9ail ustanovenia tohto z\'e1kona, osobitn\'fdch predpisov26a) alebo in\'fdch v\'9aeobecne z\'e1v\'e4zn\'fdch pr\'e1vnych predpisov, ktor \'e9 sa vz\'9dahuj\'fa na vykon\'e1vanie finan\'e8n\'e9ho sprostredkovania\'93. Alternat\'edvne navrhujeme naviaza\'9d povinnos\'9d navrhovate\'bea na v z\'e1kone taxat\'edvne uveden\'e9 d\'f4vody. Od\'f4vodnenie: Ide o \'fapravu ustanovenia, ktor\'e9 uklad\'e1 pois\'9dovni povinnos\'9d poda\'9d n\'e1vrh na zru\'9aenie z\'e1pisu viazan\'e9ho finan\'e8n\'e9ho agenta (VFA) v registri NBS. Navrhovan\'e9 ustanovenie via\'9ee uveden\'fa povinnos\'9d navrhovate\'bea (pois\'9dovne) na skuto\'e8nos\'9d, \'9e e VFA (a in\'e9 ur\'e8en\'e9 kateg\'f3rie agentov) opakovane z\'e1va\'9en\'fdm sp\'f4sobom poru\'9ail ustanovenia tohto z\'e1kona, osobitn\'fdch predpisov alebo in\'fdch v\'9aeobecne z\'e1v\'e4zn\'fdch pr\'e1vnych predpisov, ktor\'e9 sa vz\'9dahuj\'fa na vykon\'e1vanie finan\'e8n\'e9ho sprostredkovania. Tak\'fato \'fapravu pova\'9eujeme za neur\'e8it\'fa, v praxi neaplikovate\'ben\'fa a vyvol\'e1vaj\'facu pr\'e1vnu neistotu. Citovan\'e9 ustanovenie pracuje s pojmom \'84poru\'9aenie\'93, \'84opakovane \'93 a \'84z\'e1va\'9en\'fdm sp\'f4sobom\'93, pri\'e8om uveden\'e9 podmienky musia by\'9d pre dan\'fd \'fa\'e8el splnen\'e9 s\'fa\'e8asne. Diskutabiln\'e1 je ot\'e1zka ich posudzovania zo strany navrhovate\'bea pre dan\'fd \'fa\'e8el, t. j. \'e8i uveden \'e9 podmienky splnen\'e9 boli, resp. neboli. K pojmu \'84poru\'9aenie\'93: Finan\'e8n\'e1 in\'9atit\'facia nie je subjektom, ktor\'fd rozhoduje, resp. m\'e1 kompetenciu pre dan\'fd \'fa\'e8el rozhodn\'fa\'9d \'e8i poru\'9aenie ak\'e9hoko\'bevek pr\'edslu \'9an\'e9ho ustanovenia z\'e1kona, ktor\'e9 sa vz\'9dahuj\'fa na vykon\'e1vanie finan\'e8n\'e9ho sprostredkovania nastalo, t. j. \'e8i z\'e1kon poru\'9aen\'fd bol alebo nebol (okrem ustanoven\'ed, kde s oh\'beadom na charakter povinnosti je tak\'e9to pos \'fadenie bez pochybnosti). Doh\'bead nad dodr\'9eiavan\'edm z\'e1kona \'e8. 186/2009 vykon\'e1va N\'e1rodn\'e1 banka Slovenska (NBS), ktor\'e1 taktie\'9e vykon\'e1va doh\'bead nad dodr\'9eiavan\'edm in\'fdch osobitn\'fdch pr\'e1vnych predpisov vz\'9dahuj \'facich sa na vykon\'e1vanie finan\'e8n\'e9ho sprostredkovania, ktor\'e1 disponuje na uveden\'fd v\'fdkon doh\'beadu pr\'edslu\'9an\'fdmi z\'e1konn\'fdmi n\'e1strojmi, t.j. NBS je kompetentn\'e1 a opr\'e1vnen\'e1 pr\'e1voplatne rozhodn\'fa\'9d, \'e8 i bol poru\'9aen\'fd tento a in\'fd pr\'edslu\'9an\'fd z\'e1kon vz\'9dahuj\'faci sa na vykon\'e1vanie finan\'e8n\'e9ho sprostredkovania. K pojmu \'84opakovane\'93: Pokia\'be ide o ot\'e1zku opakovan\'e9ho poru\'9aenia, z cit. ustanovenia nie je zrejm\'e9 , ako sa m\'e1 uveden\'e9 posudzova\'9d, \'e8i napr. iba po\'e8as doby trvania zmluvn\'e9ho vz\'9dahu s pr\'edslu\'9an\'fdm navrhovate\'beom. Ako sa posudzuje napr. pr\'edpad, ak osoba ako VFA in\'e9ho (predch\'e1dzaj\'faceho) navrhovate\'bea u\'9e poru \'9aila ustanovenia z\'e1kona, pri\'e8om vo vz\'9dahu k s\'fa\'e8asn\'e9mu navrhovate\'beovi sa ak\'e9ko\'bevek \'84z\'e1va\'9en\'e9\'93 poru\'9aenie z\'e1kona jav\'ed ako opakovan\'e9. Ak\'fdm sp\'f4sobom sa s\'fa\'e8asn\'fd navrhovate\'be o uvedenej skuto\'e8nosti dozvie, resp. m\'e1 dozvedie\'9d? Z cit. ustanovenia nevypl\'fdva, \'9ee poru\'9aenie sa m\'e1 vz\'9dahova\'9d iba na obdobie zmluvn\'e9ho vz\'9dahu s pr\'edslu\'9an\'fdm (s\'fa\'e8asn\'fdm) navrhovate\'beom. K pojmu \'84z\'e1va \'9ene\'93: Z cit. ustanovenie, nie je taktie\'9e zrejm\'e9, ak\'e9 poru\'9aenie pr\'edslu\'9an\'e9ho z\'e1kona sa pre dan\'fd \'fa\'e8el pova\'9euje za z\'e1va\'9en\'e9 (rozumieme podstatn\'e9). Vz\'9dah medzi navrhovate\'beom a VFA ako podnikate\'be om je vz\'9dah obchodnopr\'e1vny. Vych\'e1dzaj\'face z pr\'edslu\'9an\'fdch ustanoven\'ed Obchodn\'e9ho z\'e1konn\'edka (OBZ), ktor\'e9 sa aplikuj\'fa na zmluvn\'e9 - obchodnopr\'e1vne vz\'9dahy medzi navrhovate\'beom a VFA (\'a7 345 ods.2), \'84na \'fa \'e8ely tohto z\'e1kona (pozn. OBZ) je poru\'9aenie zmluvy podstatn\'e9, ak strana poru\'9auj\'faca zmluvu vedela v \'e8ase uzavretia zmluvy alebo v tomto \'e8ase bolo rozumn\'e9 predv\'edda\'9d s prihliadnut\'edm na \'fa\'e8el zmluvy, ktor\'fd vyplynul z jej obsahu alebo z okolnost\'ed, za ktor\'fdch bola zmluva uzavret\'e1, \'9ee druh\'e1 strana nebude ma\'9d z\'e1ujem na plnen\'ed povinnost\'ed pri takom poru\'9aen\'ed zmluvy. Pri pochybnostiach sa predpoklad\'e1, \'9ee poru\'9a enie zmluvy nie je podstatn\'e9\'93. Napriek skuto\'e8nosti, \'9ee OBZ pon\'faka defin\'edciu podstatn\'e9ho poru\'9aenia zmluvy, z d\'f4vodu pr\'e1vnej istoty si zmluvn\'e9 strany spravidla v zmluve taxat\'edvne zadefinuj\'fa, poru\'9aenie ktor\'e9 ho ustanovenia zmluvy sa pova\'9euje za podstatn\'e9, a to najm\'e4 s oh\'beadom na skuto\'e8nos\'9d, \'9ee s podstatn\'fdm poru\'9aen\'edm zmluvy OBZ sp\'e1ja n\'e1sledky t\'fdkaj\'face sa z\'e1niku zmluvy. \'c8i\'9ee napriek skuto\'e8nosti, \'9e e v zmysle navrhovan\'e9ho ustanovenie z\'e1kona \'e8. 186/2009 m\'e1 navrhovate\'be povinnos\'9d v pr\'edpade opakovan\'e9ho z\'e1va\'9en\'e9ho poru\'9aenia ustanoven\'ed cit. z\'e1kona, resp. osobitn\'fdch z\'e1konov, ktor\'e9 sa vz\'9dahuj\'fa na vykon \'e1vanie finan\'e8n\'e9ho sprostredkovania, poda\'9d n\'e1vrh na zru\'9aenie z\'e1pisu VFA v registri NBS, t.j. ukon\'e8i\'9d vz\'e1jomn\'fd zmluvn\'fd vz\'9dah s VFA, z\'e1kon 186/2009 v\'f4bec neupravuje bli\'9e\'9aiu \'fapravu posudzovania ot\'e1zky z \'e1va\'9enosti poru\'9aenia z\'e1kona.Tak\'e1to \'faprava je neur\'e8it\'e1, v praxi neaplikovate\'ben\'e1, ktor\'e1 vyvol\'e1va vo vz\'9dahoch medzi subjektmi p\'f4sobiacimi na finan\'e8nom trhu (najm\'e4 vz\'9dah medzi navrhovate\'beom a VFA) pr\'e1 vnu neistotu. Je potrebn\'e9 uveden\'fa povinnos\'9d navrhovate\'bea, poda\'9d n\'e1vrh na v\'fdmaz osoby z registra, naviaza\'9d na v z\'e1kone obsiahnut\'fd taxat\'edvny v\'fdpo\'e8et skuto\'e8nost\'ed, vo vz\'9dahu ku ktor\'fdm nebude priestor na ak \'e9ko\'bevek pochybnosti, \'e8i tak\'e1to skuto\'e8nos\'9d nastala alebo nenastala. Osobitn\'fa rovinu v tejto problematike tvoria pr\'edpady, ak finan\'e8n\'fd agent vykon\'e1va finan\'e8n\'e9 sprostredkovanie prostredn\'ed ctvom svojich zamestnancov (typicky napr\'edklad pobo\'e8kov\'e1 sie\'9d banky), kde ka\'9ed\'e9 poru\'9aenie m\'f4\'9ee by\'9d v\'fdsledkom \'beudsk\'e9ho zlyhania in\'e9ho zamestnanca. Ak aj viazan\'fd finan\'e8n\'fd agent postupuje s odbornou starostlivos\'9dou a d\'f4kladne pristupuje k zisten\'fdm poru\'9aeniam na strane svojich zamestnancov (z\'e1kaz finan\'e8n\'e9ho sprostredkovania, ukon\'e8enie pracovn\'e9ho pomeru a pod.), z poh\'beadu z\'e1kona p\'f4 jde o opakovan\'e9 poru\'9aenie (ke\'ef\'9ee za poru\'9aenie povinnosti zamestnanca zodpoved\'e1 zamestn\'e1vate\'be, teda finan\'e8n\'fd agent). Z dlhodob\'e9ho h\'beadiska by takto navrhnut\'e1 povinnos\'9d znamenala, \'9ee nebude mo\'9en\'e9 vykon\'e1 va\'9d finan\'e8n\'e9 sprostredkovanie prostredn\'edctvom v\'e4\'e8\'9aieho zamestnaneck\'e9ho kolekt\'edvu, preto\'9ee \'e8asom nevyhnutne v\'9edy d\'f4jde k naplneniu prekladate\'beom navrhovanej formul\'e1cie. V pr\'edpade, ak \'famysl om cit. ustanovenia je naviaza\'9d povinnos\'9d navrhovate\'bea (pois\'9dovne) poda\'9d n\'e1vrh na v\'fdmaz agenta z registra NBS a\'9e v nadv\'e4znosti na pr\'e1voplatn\'e9 rozhodnutie pr\'edslu\'9an\'e9ho org\'e1nu o tom, \'9ee bol poru\'9aen\'fd tento z\'e1kon, osobitn\'fd predpis26a) alebo in\'fd v\'9aeobecne z\'e1v\'e4zn\'fd pr\'e1vny predpis, vz\'9dahuj\'faci sa na vykon\'e1vanie finan\'e8n\'e9ho sprostredkovania, je \'9eiaduce uveden\'e9 v pripravovanej novele zrozumite\'bene upravi\'9d v aj s d\'f4razom na skuto\'e8nos\'9d, ako a kedy sa navrhovate\'be o uvedenom dozvie. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14901531 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14901531 \par \par \par \par \par N\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid7347912 \par }\pard \ltrpar\qj \li0\ri0\nowidctlpar\intbl\tx567\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid7347912 {\rtlch\fcs1 \af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid7347912\charrsid5841579 Opakovane}{\rtlch\fcs1 \af0\afs25 \ltrch\fcs0 \f0\fs25\lang1029\langfe1033\langnp1029\insrsid7347912\charrsid5841579 z\'e1va\'9en\'fd}{\rtlch\fcs1 \af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid7347912\charrsid5841579 sp\'f4sob poru\'9aenia ustanoven\'ed z\'e1kona }{\rtlch\fcs1 \af0\afs25 \ltrch\fcs0 \f0\fs25\insrsid7347912 znamen\'e1 viacn\'e1sobn\'e9 poru\'9aenie z\'e1kona. Nie je mo\'9en\'e9 ho taxat\'edvne vymedzi\'9d. N\'e1rodn\'e1 banka Slovenska ako org\'e1n doh\'beadu pos\'fadi \'e8o bude pova\'9eova\'9d za tak\'e9to poru\'9aenie ustanoven\'ed z\'e1kona. \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid7347912 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid7347912 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow329\irowband329\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 61 (\'a7 22a ods. 13 p\'edsm. d)):}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line \'8eiadame vypusti\'9d. Alternat\'edvne doplni\'9d, \'9ee tieto ustanovenia sa vz\'9dahuj\'fa v\'fdhradne na prezen\'e8n\'fa formu OFV. Od\'f4vodnenie: SLASPO vykon\'e1va osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie (OFV) od roku 2010, k 31. 01. 2017 m\'e1me v syst\'e9me zaevidovan\'fdch 12 220 \'9atuduj\'facich (nov\'fd vlastn\'fd syst\'e9m bol spusten\'fd 01. 09. 2012). Od roku 2010, kedy SLASPO za\'e8alo vykon\'e1va\'9d OFV vydalo vo v\'9aetk\'fd ch sektoroch (z\'e1kladnom aj strednom stupni) vydali 24 756 potvrden\'ed (niektor\'ed sprostredkovatelia absolvuj\'fa viac sektorov). Rok 2010 2011 2012 2013 2014 2015 2016 2017* po\'e8et potvrden\'ed 4 104 2 590 2 589 1 393 7 462 3 791 2 637 190 *Pozn. : do 31. 01. 2017 Ak by sa malo prist\'fapi\'9d na prezen\'e8n\'fa formu vzdel\'e1vania i\'9alo by o enormn\'e9 za\'9da\'9eenie materi\'e1lne aj person\'e1lne. V s\'fa\'e8asnosti m\'e1me u\'9e piaty rok vlastn\'fd syst\'e9m, ktor\'fd sa st\'e1le prisp\'f4sobuje po\'9eiadavk\'e1m \'9atuduj\'facich aj lektorov, ktor\'ed maj\'fa na starosti jednotliv\'fdch frekventantov, ale je z\'e1rove\'f2 striktne upraven\'fd na po\'9eiadavky z\'e1 kona o FSaFP. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid13334183 \par \par \par \par N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid13334183 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid13334183 \par \par Jednotliv\'e9 formy osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania bud\'fa rie\'9aenie metodiky pod dohode s\~NBS.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid13334183\charrsid13334183 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow330\irowband330\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SLASPO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I bod 72, 73, 74 (\'a7 28 ods. 4 p\'edsm. a), \'a7 28 ods. 5)}{ \rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line \'8eiadame vypusti\'9d. Od\'f4vodnenie: navrhovate\'beom predkladan\'fa zmenu pova\'9eujeme za zbyto\'e8n\'fa. Smernica IDD v \'e8l\'e1nku 10 ods. 6 podporuje aj existuj\'faci re\'9e im a nevid\'edme d\'f4vod na jeho zmenu. Ak by malo by\'9d ponechan\'e9 navrhovan\'e9 znenie, bude potrebn\'e9 doplnenie osobitn\'e9ho re\'9eimu, ktor\'fd uprav\'ed inkasovanie poistn\'e9ho subjektami, ktor\'e9 s\'fa z\'e1rove\'f2 finan\'e8n\'fd mi sprostredkovate\'bemi a z\'e1rove\'f2 in\'9atit\'faciami zabezpe\'e8uj\'facimi platobn\'fd styk, resp. po\'9atov\'fd platobn\'fd styk. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 { \rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Z\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid2692804 N \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid2692804 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid2692804 Znenie novely z\'e1kona je v\~s\'falade so smernicou IDD.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid2692804\charrsid2692804 \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow331\irowband331\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 SOCPOIST \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'e8l. I - nad r\'e1mec n\'e1vrhu}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Nad r\'e1mec predkladan\'e9ho n\'e1vrhu z\'e1kona odpor\'fa\'e8ame doplni\'9d pr\'e1vnu \'fapravu z\'e1niku opr\'e1vnenia viazan\'e9ho finan\'e8n\'e9ho agenta, podriaden\'e9ho finan\'e8n\'e9ho agenta, sprostredkovate\'be a doplnkov\'e9ho poistenia a viazan\'e9ho investi\'e8n\'e9ho agenta. Jednozna\'e8n\'e9 ur\'e8enie momentu z\'e1niku opr\'e1vnenia pova\'9eujeme za d\'f4le\'9eit\'e9 pre poskytovanie \'fadajov pod\'bea \'a7 233 ods. 9 z\'e1kona o soci\'e1lnom poisten\'ed v znen\'ed z\'e1kona \'e8. 338/2013 Z. z. pre pos\'fadenie z\'e1niku soci\'e1lneho poistenia samostatne z\'e1robkovo \'e8innej osoby, t. j. finan\'e8n\'e9ho agenta. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid2692804 \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow332\irowband332\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'da PPVII\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 bod 19}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V \'a7 11b ods. 3 slovo "a\'9e" odpor\'fa\'e8ame nahradi\'9d spojkou "a". Legislat\'edvno-technick\'e1 pripomienka\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid7094675 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid7094675 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow333\irowband333\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'da PPVII\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 uznesenie vl\'e1dy SR}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V bode B.2 slovo "ministrovi" je potrebn\'e9 uv\'e1dza\'9d v spr\'e1vnom gramatickom tvare gramatick\'e1 pripomienka\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid7094675 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid7880413 A \par \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow334\irowband334\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'da PPVII\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 bod 90}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V navrhovanom odseku odpor\'fa\'e8ame slovo "mu" vypusti\'9d ako nadbyto\'e8n\'e9. Z textu je zrejm\'e9, kto komu potvrdzuje prevzatie inform\'e1ci\'ed - gramatick\'e1 pripomienka.\cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid2692804 A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid7880413 \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow335\irowband335\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'da PPVII\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 bod 28}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V s\'favislosti s vypusten\'edm p\'edsmen d) a f) v \'a7 16 ods. 2 je potrebn\'e9 t\'fato zmenu zoh\'beadni\'9d aj v \'a7 23 ods. 1 p\'edsm. b). Legislat\'edvno-technick\'e1 pripomienka\cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid16146291 A \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid7880413 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid16146291 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid16146291\charrsid16146291 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow336\irowband336\ltrrow \ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'daPVSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'c8l. I noveliza\'e8n\'fd bod 40.}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V \'a7 18 ods. 18 je pou\'9eit\'fd term\'edn "registrovan\'fd s\'fad" v nadv\'e4znosti na odkaz na \'a7 8 z\'e1kona \'e8. 371/2004 Z. z. Zrejme m\'e1 \'eds\'9d o "registrov\'fd s\'fad", pri\'e8om odkaz v pozn\'e1mke pod \'e8 iarou je potrebn\'e9 upravi\'9d, ke\'ef\'9ee \'a7 8 z\'e1kona \'e8. 371/2004 Z. z. je od 01.07.2016 zru\'9aen\'fd.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid7880413 \par A \par \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow337\irowband337\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'daPVSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'c8l. I noveliza\'e8n\'fd bod 45.}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V \'favodnej vete odpor\'fa\'e8ame slov\'e1 "vklad\'e1 20a a 20b" nahradi\'9d slovami "vkladaj\'fa \'a7 20a a 20b", ide o legislat\'edvno-technick\'fa pripomienku.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid7880413 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow338\irowband338\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'daPVSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'c8l. I noveliza\'e8n\'fd bod 7.}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V \'favodnej vete odpor\'fa\'e8ame slovo "odsek" nahradi\'9d skratkou "ods.", ide o legislat\'edvno-technick\'fa pripomienku.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid7880413 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid7880413 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow339\irowband339\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'daPVSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'c8l. I noveliza\'e8n\'fd bod 14. }{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V \'favodnej vete odpor\'fa\'e8ame vypusti\'9d druh\'e9 slovo "sa" pre nadbyto\'e8nos\'9d.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 { \rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid7880413 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid7880413 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow340\irowband340\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'daPVSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'c8l. II noveliza\'e8n\'e9 body 1. a 2.}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V \'favodnej vete odpor\'fa\'e8ame vypusti\'9d druh\'e9 slovo "sa" pre nadbyto\'e8nos\'9d.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 { \rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid7880413 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid7880413 \par A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid7880413 \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow341\irowband341\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'daVO \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 bez pripomienok}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line bez pripomienok\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \cell \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow342\irowband342\ltrrow\ts11\trqc\trleft-8\trbrdrt \brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'daVSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 N\'e1vrhu uznesenia vl\'e1dy Slovenskej republiky, \'e8as\'9d B}{ \rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V N\'e1vrhu uznesenia vl\'e1dy Slovenskej republiky navrhujeme \'e8as\'9d B. Vl\'e1da poveruje \'84ministrovi financi\'ed Slovenskej republiky\'93 nahradi\'9d znen\'edm \'84 ministra financi\'ed Slovenskej republiky\'93. Od\'f4vodnenie: Legislat\'edvno-technick\'e1 pripomienka.\cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14838296 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14838296 \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow343\irowband343\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Verejnos \'9d\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'a7 1 }{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 1. \'a71 ods. 2 p\'edsm. a) navrhujeme zru\'9ai\'9d. Za finan\'e8n\'fa in\'9atit\'faciu vykon\'e1vaj\'fa \'e8innos\'9d (okrem zamestnancov len) jej VFA alebo VIA, tak\'9ee tento paragraf je mo\'9en\'e9 vyklada\'9d aj tak, \'9ee t\'edto viazan\'ed agenti nie s\'fa predmetom \'fapravy n\'e1vrhu zmien z\'e1kona. 2. K \'a7 1 ods. 2 p\'edsm. b) - ustanovenie je pr\'edli\'9a neur\'e8it\'e9, formul\'e1cia \'84\'9eiadne \'efal\'9aie kroky k uzavretiu zmluvy o poskytnut\'ed finan \'e8nej slu\'9eby\'93 je nejednozna\'e8n\'e1. 3. k \'a7 1 ods. 3 p\'edsm. b) \endash n\'e1vrh znenia je nejednozna\'e8n\'fd \endash nie je zrejm\'e9, na ak\'e9 poistenie sa vz\'9dahuje v\'fdluka, s\'fa\'e8asne nepova\'9eujeme za \'9a\'9dastn\'fa formul \'e1ciu, \'9ee sa z\'e1kon nevz\'9dahuje na sprostredkovate\'bea doplnkov\'e9ho poistenia za splnenia ur\'e8it\'fdch podmienok, preto\'9ee sa na neho z\'e1kon v skuto\'e8nosti vz\'9dahuje v\'9edy (napr. povinnos\'9d sp\'e5\'f2a\'9d podmienky odbornej sp \'f4sobilosti, by\'9d registrovan\'fd...), bolo by lep\'9aie vyl\'fa\'e8i\'9d platnos\'9d konkr\'e9tnych ustanoven\'ed v pr\'edpade splnenia ni\'9e\'9aie uveden\'fdch podmienok Navrhujeme zmeni\'9d nasledovne: V \'a7 1 ods. 3 p\'ed sm. b) znie: b) sprostredkovate\'bea doplnkov\'e9ho poistenia, ak s\'fa s\'fa\'e8asne splnen\'e9 tieto podmienky: 1. poistenie je doplnkom tovaru alebo slu\'9eby dodanej poskytovate\'beom, ak tak\'e9to poistenie kryje 1a. riziko poruchy, straty alebo po \'9akodenia tovaru, alebo nevyu\'9eitia slu\'9eby poskytnutej t\'fdmto poskytovate\'beom YY, alebo 1b. po\'9akodenie alebo stratu bato\'9einy a in\'e9 rizik\'e1 spojen\'e9 s cestovan\'edm objednan\'fdm u tohto poskytovate\'bea 2. v\'fd\'9aka poistn\'e9 ho zaplaten\'e9ho za poistn\'fd produkt nepresahuje 600 EUR vypo\'e8\'edtan\'fdch pomerne z ro\'e8n\'e9ho z\'e1kladu, 3. odchylne od bodu 2, ak poistenie je doplnkov\'e9 k slu\'9ebe uvedenej v bode 1 a trvanie tejto slu\'9e by nepresahuje tri mesiace, zaplaten\'e9 poistn\'e9 na osobu nepresahuje 200 EUR. V tomto pr\'edpade sprostredkovate\'be doplnkov\'e9ho poistenia nie je povinn\'fd sp\'e5\'f2a\'9d \'9eiadne \'efal\'9aie povinnosti vypl\'fdvaj\'face z tohto z\'e1kona, s v \'fdnimkou z\'e1pisu do registra a informa\'e8n\'fdch povinnost\'ed v zmysle ust. \'a7 31 a\'9e \'a7 37c tohto z\'e1kona.\'93 Pozn\'e1mka pod \'e8iarou k odkazu yy znie: yy) najm\'e4 poistn\'e9 produkty v zmysle Pr\'edloha \'e8. 1 \'e8as\'9d A bod 3, bod 7, bod 10 p\'edsm. a), bod 14 p\'edsm. b) a c), bod 17 a bod 18) k z\'e1konu \'e8. 39/2015 Z.z. Od\'f4vodnenie: z navrhovan\'e9ho znenia novely pod\'bea n\'e1\'9aho n\'e1zoru vypl\'fdva, \'9ee sprostredkovate\'be doplnkov\'e9 ho poistenia bude povinn\'fd sp\'e5\'f2a\'9d podmienky pre v\'fdkon finan\'e8n\'e9ho sprostredkovania (v zmysle \'a7 11c ods. 2 a 3) bez oh\'beadu na to, \'e8i bude poskytova\'9d poistenie v zmysle navrhovan\'e9ho znenia \'a7 1 ods. 3 p\'ed sm. b) alebo nie. Ustanovenia bodu 1a. navrhujeme z d\'f4vodu pr\'e1vnej neistoty previaza\'9d s konkr\'e9tnymi poistn\'fdmi produktami v zmysle pr\'edlohy \'e8. 1 k z\'e1kona \'e8. 39/2015 Z.z. o pois\'9dovn\'edctve a o zmene a doplnen\'ed niektor\'fd ch z\'e1konov v znen\'ed neskor\'9a\'edch predpisov. \'da\'e8elom zavedenia in\'9atit\'fatu sprostredkovate\'bea doplnkov\'e9ho poistenia mal by\'9d, \'9ee tak\'fdto subjekt bude povinn\'fd poskytova\'9d klientovi rozsah inform\'e1ci\'ed pri poskytovan \'ed poistenia, ktor\'fd bude porovnate\'ben\'fd s in\'fdmi distribu\'e8n\'fdmi kan\'e1lmi, bude v\'9aak z\'e1rove\'f2 osloboden\'fd od niektor\'fdch administrat\'edvnych povinnost\'ed a nebude musie\'9d sp\'e5\'f2a\'9d niektor\'e9 z\'e1konn\'e9 povinnosti a p\'f4jde celkovo o zjednodu\'9aen\'fd v\'fdkon finan\'e8n\'e9ho sprostredkovania. Navrhovan\'e1 pr\'e1vna \'faprava sprostredkovate\'bea doplnkov\'e9ho poistenia str\'e1ca z\'e1kladn\'fd zmysel a \'fa\'e8el prijatia pr\'e1vnej \'fapravy sprostredkovate\'bea doplnkov\'e9ho poistenia a tak\'e1to transpoz\'edcia nesleduje \'fa\'e8el sledovan\'fd Smernicou o distrib\'facii poistenia. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid16146291 \par \par \par N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid16146291 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid16146291 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid16146291 \par \par Pr\'e1vna \'faprava n\'e1vrhu z\'e1kona je v\~s\'falade so smernicou IDD.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid16146291\charrsid16146291 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow344\irowband344\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Verejnos \'9d\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'a7 18 ods.3, \'a7 17 ods. 6 a \'a7 18 ods. 2 p\'edsm. d)}{ \rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 12. \'a7 16 ods. 3) \endash doplnenie povinnost\'ed pre navrhovate\'bea o povinnos\'9d zru\'9aenia registr\'e1cie VFA, PFA a VIA v pr\'edpade, \'9ee prestal sp\'e5\'f2a\'9d po\'9e iadavky na odborn\'fa sp\'f4sobilos\'9d (ok), d\'f4veryhodnos\'9d \endash nerealizovate\'ben\'e9, nie sme schopn\'ed v re\'e1lnom \'e8ase sa dozvedie\'9d o v\'9aetk\'fdch okolnostiach maj\'facich vplyv na d\'f4veryhodnos\'9d osoby v zmysle z\'e1kona) + \'84opakovan\'e9 z\'e1va\'9en\'e9 poru\'9aenie ustanoven\'ed tohto z\'e1kona\'93 \endash pr\'edli\'9a \'9airok\'e1 auton\'f3mia pri v\'fdklade pojmu, uprednostnili by sme vymenovanie konkr\'e9tnych ustanoven\'ed z\'e1kona (pr\'edpadne povinnost\'ed) , ktor\'fdch poru\'9aenie m\'e1 ma\'9d za n\'e1sledok vznik povinnosti navrhovate\'bea navrhn\'fa\'9d zru\'9aenie z\'e1pisu v registri 13. k \'a7 17 ods. 6 \endash zm\'e4to\'e8n\'e9 ustanovenie, t\'fdkaj\'face sa zverej\'f2ovan\'fdch \'fadajov PFA 14. k \'a718 ods. 2 p\'edsm. d) \endash navrhovan\'e9 ustanovenie je \'9atylisticky nespr\'e1vne a gramaticky ned\'e1va zmysel \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid16146291 \par \par \par N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid16146291 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid16146291 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid16146291 Ide viacn\'e1sobn\'e9 poru\'9aenie ustanoven\'ed v\'9aeobecne z\'e1v\'e4zn\'fdch pr\'e1vnych predpisov, \'9atandardne pou\'9e\'edvan\'fd pojem.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid16146291\charrsid16146291 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow345\irowband345\ltrrow \ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Verejnos \'9d\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'a7 21}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 16. odborn\'e1 sp\'f4sobilos\'9d \endash z\'e1kladn\'fd stupe\'f2 odbornej sp\'f4sobilosti stratil vzh\'beadom na zmenu filozofie svoje opodstatnenie \endash ak nem\'e1 \'eds\'9d o mo\'9enos\'9d pre v\'9aetk\'fdch za\'e8 \'ednaj\'facich sprostredkovate\'beov, str\'e1ca v\'fdznam; nie je zrejm\'e9, pre\'e8o sa z\'e1konodarca d\'edva r\'f4znou optikou na zamestnancov finan\'e8n\'fdch in\'9atit\'faci\'ed a najm\'e4 VFA na jednej strane a na PFA na strane druhej. Predpoklad je, \'9ee odborn\'e1 \'farove\'f2 distrib\'fatorov poistenia m\'e1 by\'9d rovnak\'e1 bez oh\'beadu na to, o ktor\'fd kan\'e1l distrib\'facie ide; je to z\'e1kladn\'fd predpoklad vypl\'fdvaj\'faci z IDD, ktorej cie\'be om je zjednotenie distribu\'e8n\'fdch kan\'e1lov a n\'e1rokov na ne tak, aby pre klienta nebola poskytovan\'e1 r\'f4zna \'farove\'f2 slu\'9eby pod\'bea povahy distrib\'fatora; navrhovan\'e1 filozofia z\'e1kona, kedy odborn\'e1 sp\'f4sobilos\'9d zamestnancov finan\'e8n\'fdch in\'9atit\'faci\'ed a ich viazan\'fdch agentov sta\'e8\'ed na \'farovni z\'e1kladn\'e9ho stup\'f2a a pre podriaden\'fdch agentov je potrebn\'fd stredn\'fd stupe\'f2 je v rozpore s filozofiou IDD, ako ju ch\'e1 peme my (v bode 7 \'favodn\'fdch ustanoven\'ed smernice IDD sa hovor\'ed, \'9ee pois\'9dovne by mali by\'9d zahrnut\'e9 do rozsahu p\'f4sobnosti smernice na podobnom z\'e1klade ako sprostredkovatelia poistenia a makl\'e9ri; v bode 16 \'favodn\'fd ch ustanoven\'ed sa \'efalej p\'ed\'9ae, \'9ee \'84T\'e1to smernica by mala podporova\'9d rovnos\'9d podmienok a hospod\'e1rsku s\'fa\'9da\'9e sprostredkovate\'beov za rovnak\'fdch podmienok bez oh\'beadu na to, \'e8i s\'fa, alebo nie s\'fa viazan\'ed na pois\'9dov\'f2u; nie je zrejm\'fd d\'f4vod, pre ktor\'fd bol pre odborn\'e9ho garanta finan\'e8nej in\'9atit\'facie stanoven\'fd ako povinn\'fd stredn\'fd stupe\'f2 odbornej sp\'f4sobilosti. 17. Odborn\'e1 sp\'f4sobilos\'9d \endash vzh\'be adom na pravidl\'e1 equal level playing field navrhujeme, aby bu\'ef z\'e1kladn\'fd stupe\'f2 zo z\'e1kona vypadol, alebo aby bol z\'e1kladn\'fd stupe\'f2 ponechan\'fd pre v\'9aetky p\'f4vodn\'e9 subjekty a z\'e1rove\'f2 mal predp\'edsan\'fa povinnos\'9d vykona\'9d odborn\'fa sk\'fa\'9aku rovnako ako ostatn\'e9 stupne (v ka\'9edom pr\'edpade maj\'fa pod\'bea \'a7 22 ods. 2 predp\'edsan\'e9 ka\'9edoro\'e8n\'e9 osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie, ktor\'e9 predpoklad\'e1me, \'9ee bude v rovnakej v \'fd\'9ake ako pre stredn\'fd stupe\'f2). Ani v ot\'e1zke odbornej sp\'f4sobilosti garantov navrhovate\'beov nie je dodr\'9ean\'e9 pravidlo rovnosti - \'a7 21 ods. 7 ur\'e8uje pre SFA vy\'9a\'9a\'ed stupe\'f2 a \'a7 21 ods. 9 pre finan\'e8n\'fa in\'9atit \'faciu iba stredn\'fd stupe\'f2 odb. sp\'f4sobilosti. Posledn\'fa vetu \'a7 21 ods. 9 navrhujeme po zmene stup\'f2a od\'e8leni\'9d do samostatn\'e9ho odseku. z\'e1kladn\'fd stupe\'f2 odbornej sp\'f4sobilosti stratil vzh\'be adom na zmenu filozofie svoje opodstatnenie \endash ak nem\'e1 \'eds\'9d o mo\'9enos\'9d pre v\'9aetk\'fdch za\'e8\'ednaj\'facich sprostredkovate\'beov, str\'e1ca v\'fdznam; nie je zrejm\'e9, pre\'e8o sa z\'e1konodarca d\'edva r\'f4 znou optikou na zamestnancov finan\'e8n\'fdch in\'9atit\'faci\'ed a najm\'e4 VFA na jednej strane a na PFA na strane druhej. Predpoklad je, \'9ee odborn\'e1 \'farove\'f2 distrib\'fatorov poistenia m\'e1 by\'9d rovnak\'e1 bez oh\'beadu na to, o ktor\'fd kan\'e1l distrib\'facie ide; je to z\'e1kladn\'fd predpoklad vypl\'fdvaj\'faci z IDD, ktorej cie\'beom je zjednotenie distribu\'e8n\'fdch kan\'e1lov a n\'e1rokov na ne tak, aby pre klienta nebola poskytovan\'e1 r\'f4zna \'farove\'f2 slu\'9eby pod\'be a povahy distrib\'fatora; navrhovan\'e1 filozofia z\'e1kona, kedy odborn\'e1 sp\'f4sobilos\'9d zamestnancov finan\'e8n\'fdch in\'9atit\'faci\'ed a ich viazan\'fdch agentov sta\'e8\'ed na \'farovni z\'e1kladn\'e9ho stup\'f2a a pre podriaden\'fd ch agentov je potrebn\'fd stredn\'fd stupe\'f2 je v rozpore s filozofiou IDD, ako ju ch\'e1peme my (v bode 7 \'favodn\'fdch ustanoven\'ed smernice IDD sa hovor\'ed, \'9ee pois\'9dovne by mali by\'9d zahrnut\'e9 do rozsahu p\'f4 sobnosti smernice na podobnom z\'e1klade ako sprostredkovatelia poistenia a makl\'e9ri; v bode 16 \'favodn\'fdch ustanoven\'ed sa \'efalej p\'ed\'9ae, \'9ee \'84T\'e1to smernica by mala podporova\'9d rovnos\'9d podmienok a hospod\'e1rsku s\'fa\'9da\'9e sprostredkovate\'beov za rovnak\'fdch podmienok bez oh\'beadu na to, \'e8i s\'fa, alebo nie s\'fa viazan\'ed na pois\'9dov\'f2u; nie je zrejm\'fd d\'f4vod, pre ktor\'fd bol pre odborn\'e9ho garanta finan\'e8nej in\'9atit\'facie stanoven\'fd ako povinn \'fd stredn\'fd stupe\'f2 odbornej sp\'f4sobilosti. Navrhujeme bu\'ef z\'e1kladn\'fd stupe\'f2 \'faplne zru\'9ai\'9d, alebo po\'9eadujeme, aby ho mal len ten, kto je zap\'edsan\'fd len v jednom sektore (bez oh\'beadu na zoznam, v ktorom je). V teraj\'9a \'edch podmienkach m\'f4\'9ee jeden \'e8lovek by\'9d z\'e1rove\'f2 zamestnanec banky, VFA pois\'9dovne aj VFA Asset managementu = a st\'e1le m\'e1 z\'e1kladn\'fd stupe\'f2 bez sk\'fa\'9aky (a moment\'e1lne po 5 hod\'edn OFV v ka\'9edom sektore), \'e8 o rozhodne nie je ani spravodliv\'e9 ani v s\'falade s equal level playing field. \'cfal\'9aou alternat\'edvou je tak\'e9to rie\'9aenie: \'a7 21 ods. 9 "Ka\'9ed\'fd zamestnanec a ka\'9ed\'fd \'e8len \'9atatut\'e1rneho org\'e1nu viazan\'e9ho finan\'e8n\'e9 ho agenta, podriaden\'e9ho finan\'e8n\'e9ho agenta a viazan\'e9ho investi\'e8n\'e9ho agenta vykon\'e1vaj\'faci \'e8innos\'9d, ktorej obsahom je finan\'e8n\'e9 sprostredkovanie, mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky pre z\'e1kladn\'fd stupe\'f2 odbornej sp \'f4sobilosti. Ka\'9ed\'fd zamestnanec a ka\'9ed\'fd \'e8len \'9atatut\'e1rneho org\'e1nu podriaden\'e9ho finan\'e8n\'e9ho agenta, viazan\'e9ho finan\'e8n\'e9ho agenta a viazan\'e9ho investi\'e8n\'e9ho agenta vykon\'e1vaj\'faci \'e8innos\'9d , ktorej obsahom je finan\'e8n\'e9 sprostredkovanie, mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky pre stredn\'fd stupe\'f2 odbornej sp\'f4sobilosti. Ka\'9ed\'fd zamestnanec a ka\'9ed\'fd \'e8len \'9atatut\'e1rneho org\'e1nu samostatn\'e9ho finan\'e8n\'e9 ho agenta vykon\'e1vaj\'faci \'e8innos\'9d, ktorej obsahom je finan\'e8n\'e9 sprostredkovanie, mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky pre stredn\'fd stupe\'f2 odbornej sp\'f4sobilosti. Ka\'9ed\'fd zamestnanec a ka\'9ed\'fd \'e8len \'9atatut\'e1rneho org \'e1nu finan\'e8n\'e9ho poradcu vykon\'e1vaj\'faci \'e8innos\'9d, ktorej obsahom je finan\'e8n\'e9 poradenstvo, mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky pre vy\'9a\'9a\'ed stupe\'f2 odbornej sp\'f4sobilosti. Odborn\'fd garant navrhovate\'bea, ktor\'fd je finan\'e8nou in\'9atit\'faciou, mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky na stredn\'fd stupe\'f2 odbornej sp\'f4sobilosti.\'93. Ani v ot\'e1zke odbornej sp\'f4sobilosti garantov navrhovate\'beov nie je dodr\'9ean\'e9 pravidlo rovnosti - \'a7 21 ods. 7 ur \'e8uje pre SFA vy\'9a\'9a\'ed stupe\'f2 a \'a7 21 ods. 9 pre finan\'e8n\'fa in\'9atit\'faciu iba stredn\'fd stupe\'f2 odb. sp\'f4sobilosti. Posledn\'fa vetu \'a7 21 ods. 9 navrhujeme po zmene stup\'f2a od\'e8leni\'9d do samostatn\'e9ho odseku. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid16146291 \par \par \par \par \par \par \par A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow346\irowband346\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Verejnos \'9d\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'a7 22}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 18 Navrhujeme, aby odborn\'e1 sk\'fa\'9aka bola \'84vstupenkou\'93 do podnikania (ako je vodi\'e8sk\'fd preukaz vstupenkou za volant) a robila sa iba raz. A d\'f4raz aby sa kl\'e1dol na osobitn\'e9 finan\'e8n\'e9 vzdel\'e1 vanie. - Predpoklad\'e1me, \'9ee v \'a722 ods.2 je preklep a bol mienen\'fd nasledovne: \'84Fyzick\'e1 osoba, ktor\'e1 mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky pre z\'e1kladn\'fd stupe\'f2 odbornej sp\'f4sobilosti, je povinn\'e1 ka\'9edoro\'e8ne absolvova \'9d osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie. Fyzick\'e1 osoba, ktor\'e1 mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky pre stredn\'fd stupe\'f2 odbornej sp\'f4sobilosti, je povinn\'e1 ka\'9edoro\'e8ne absolvova\'9d osobitn\'e9 finan\'e8n\'e9 vzdel\'e1 vanie a najmenej ka\'9ed\'e9 \'9atyri roky \'faspe\'9ane vykona\'9d odborn\'fa sk\'fa\'9aku.\'93. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid16146291 \par \par N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid16146291 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid16146291 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid16146291\charrsid16146291 Navrhovan\'e9 znenie je nad r\'e1mec n\'e1vrhu z\'e1kona.\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow347\irowband347\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Verejnos \'9d\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'a7 22 pokra\'e8ovanie}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 19. Aj pod\'bea preambuly smernice IDD \'e8. 28 by sa VFA a PFA mali l\'ed\'9ai\'9d iba v rozsahu a obsahu vzdel\'e1vacieho obsahu. Od\'f4vodnenie: navrhovan\'e1 povinnos\'9d ne\'famerne zvy\'9auje administrat\'edvnu n\'e1ro \'e8nos\'9d v\'fdkonu \'e8innosti finan\'e8n\'e9ho sprostredkovania a zav\'e1dza administrat\'edvne a \'e8asovo n\'e1ro\'e8n\'e9 odborn\'e9 sk\'fa\'9aky bez ak\'e9hoko\'bevek zd\'f4vodnenia. Finan\'e8n\'e9 sprostredkovanie predstavuje vysoko kvalifikovan \'fa \'e8innos\'9d porovnate\'ben\'fa s \'e8innos\'9dou s lek\'e1rmi, advok\'e1tmi, da\'f2ov\'fdmi poradcami, \'fa\'e8tovn\'edkmi a pod. \'8eiadna z t\'fdchto profesi\'ed nem\'e1 v r\'e1mci v\'fdkonu tejto profesie svoju \'e8innos\'9d podmienen\'fa ka\'9e doro\'e8n\'fdm opakovan\'edm odborn\'fdch sk\'fa\'9aok. Tak\'fdto osobitn\'fd pr\'edstup k finan\'e8n\'e9mu sprostredkovaniu pova\'9eujeme za selekt\'edvny a ni\'e8\'edm neod\'f4vodnen\'fd. Ak d\'f4vodom na opakovanie sk\'fa\'9aok m\'e1 by\'9d, \'9e e sa k vedomostiam \'e8lovek aspo\'f2 raz za 4 roky dostane, tak t\'e1to po\'9eiadavka je bohato (dokonca o 5-10 hod\'edn viac) splnen\'e1 ka\'9edoro\'e8n\'fdm vzdel\'e1van\'edm. 20. \'a722a odsek 4 p\'edsm. a) navrhujeme pre fyzick\'fa osobu doplni\'9d ako zverej\'f2ovan\'fd \'fadaj tie\'9e webov\'e9 s\'eddlo, ako je to u pr\'e1vnickej osoby. 21. V\'fdklad slova \'84ka\'9edoro\'e8ne\'93 mus\'ed by\'9d v s\'falade s teraj\'9aou logikou po\'e8\'edtania term\'ednov obnovy odbornej sp\'f4sobilosti = nem \'f4\'9ee to by\'9d kalend\'e1rny rok, ale \'84technick\'fd\'93 rok = od-do medzn\'e9ho d\'e1tumu. Dnes je medzn\'fdm d\'e1tumom d\'e1tum posledn\'e9ho vykonania OFV, v r\'e1mci 4-ro\'e8n\'e9ho obdobia. Navrhujeme, aby \'84ka\'9edoro\'e8ne\'93 znamenalo 12 mesiacov, od \'84medzn\'e9ho\'93 d\'e1tumu k medzn\'e9mu d\'e1tumu a v r\'e1mci tohto obdobia m\'ednus 10 dn\'ed (na odregistr\'e1ciu v s\'falade so z\'e1konom), kedy mus\'ed \'e8lovek preuk\'e1za\'9d splnenie podmienok (samozrejme v ka\'9e dom sektore zvl\'e1\'9a\'9d). Medzn\'fd d\'e1tum m\'e1 by\'9d pre nov\'fdch d\'e1tum registr\'e1cie do sektora a pre existuj\'facich d\'e1tum posledn\'e9ho vykonania OFV. Tak\'fdto re\'9eim nekumuluje n\'e1por na hektick\'e9 robenie OFV na konci roka & ani nie je s\'fabeh hektiky vo v\'9aetk\'fdch sektoroch naraz. Z\'e1rove\'f2 to pozit\'edvne vpl\'fdva na kvalitu vzdel\'e1vania. 22. k \'a7 22a - v definovan\'ed, kto m\'f4\'9ee poskytova\'9d osobitn\'e9 finan\'e8n\'e9 vzdel \'e1vanie, je disproporcia, ktor\'e1 zaklad\'e1 v\'fdhody finan\'e8n\'fdm in\'9atit\'faci\'e1m a diskriminuje finan\'e8n\'fdch agentov. Navrhujeme zrovnopr\'e1vni\'9d licencovan\'e9 subjekty a umo\'9eni\'9d finan\'e8n\'fdm in\'9atit\'faci\'e1m poskytova \'9d produktov\'e9 \'9akolenia v\'9aetk\'fdm svojim obchodn\'fdm sie\'9dam, takto: (2) Osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie poskytuje: a) finan\'e8n\'e1 in\'9atit\'facia, a to v\'fdhradne pre svojich zamestnancov, viazan\'fdch finan\'e8n\'fd ch agentov s ktor\'fdmi m\'e1 uzavret\'fa zmluvu pod\'bea \'a78, viazan\'fdch investi\'e8n\'fdch agentov s ktor\'fdmi m\'e1 uzavret\'fa zmluvu pod\'bea \'a712, samostatn\'fdch finan\'e8n\'fdch agentov s ktor\'fdmi m\'e1 uzavret\'fa zmluvu pod\'bea \'a7 7 a ich podriaden\'fdch finan\'e8n\'fdch agentov b) samostatn\'fd finan\'e8n\'fd agent, a to v\'fdhradne pre svojich podriaden\'fdch finan\'e8n\'fdch agentov, s ktor\'fdmi m\'e1 uzavret\'fa zmluvu pod\'bea \'a79 c) in\'9atit\'facia finan\'e8n\'e9ho vzdel \'e1vania. Navrhujeme nepou\'9ei\'9d na ozna\'e8enie vzdel\'e1vacej in\'9atit\'facie pojem \'84poskytovate\'be\'93, lebo pritom vznik\'e1 nevhodn\'e9 slovn\'e9 spojenie \'84poskytovate\'be poskytuje\'93. \'84In\'9atit\'facia finan\'e8n\'e9ho vzdel\'e1 vania\'93 je slovn\'e9 spojenie s praktickej\'9aou pou\'9eite\'benos\'9dou aj v be\'9enej komunik\'e1cii. Toto slovn\'e9 spojenie je potrebn\'e9 nahradi\'9d aj inde v texte z\'e1kona a zak\'e1za\'9d ho pou\'9e\'edva\'9d v tomto tvare bez toho, aby in\'9a tit\'facia bola zap\'edsan\'e1 v predmetnom registri NBS. Z\'e1rove\'f2 po\'9eadujeme, aby v\'9aetky typy subjektov, ktor\'e9 m\'f4\'9eu poskytova\'9d OFV, mali aj rovnak\'e9 podmienky a sp\'e5\'f2ali rovnak\'e9 po\'9eiadavky pre t\'fato \'e8innos\'9d \endash t.j. aby boli zap\'edsan\'e9 v registri poskytovate\'beov a predkladali doh\'beadu tie podklady, ktor\'e9 bud\'fa predp\'edsan\'e9 a ktor\'e9 z\'e1rove\'f2 u\'9e nepredlo\'9eili pri licen\'e8nom procese na registr\'e1ciu svojej podnikate\'beskej \'e8innosti. Pri tejto pr\'edle\'9eitosti opakovane upozor\'f2ujeme na nes\'falad medzi po\'9eiadavkami na odborn\'fa sp\'f4sobilos\'9d pre mana\'9ement finan\'e8n\'fdch in\'9atit\'faci\'ed a pre SFA. Pokia\'be sa regul\'e1tor rozhodne o nepredkladan\'ed predmetn\'fdch podkladov, navrhujeme preformulova\'9d \'a722a ods. 7 p\'edsm. e) takto: e) poskytovate\'be je zodpovedn\'fd za to, \'9ee m\'e1 primeran\'e9 organiza\'e8n\'e9 a technick\'e9 vybavenie na poskytovanie osobitn\'e9ho finan\'e8n\'e9ho vzdel \'e1vania, vr\'e1tane webov\'e9ho s\'eddla bud\'faceho poskytovate\'bea osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania, na ktorom bude poskytovate\'be osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania zverej\'f2ova\'9d najm\'e4 d\'e1tum, miesto, \'e8as osobitn \'e9ho finan\'e8n\'e9ho vzdel\'e1vania a sektory, v ktor\'fdch sa bude osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie poskytova\'9d, a to pre v\'9aetky stupne odbornej sp\'f4sobilosti v ktor\'fdch sa bude osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie poskytova\'9d 23. Nejasnosti a ch\'fdbaj\'face ustanovenia k odbornej sp\'f4sobilosti: - Je potrebn\'e9 aspo\'f2 vo vykon\'e1vacom predpise uvies\'9d, \'9ee term\'edny OFV, ktor\'e9 tak\'e1to in\'9atit\'facia vypisuje, mus\'ed ma\'9d mo\'9enos\'9d vyp\'edsa\'9d aj s pr\'edznakom \'84neverejn\'e9 / uzavret\'e9 pre extern\'fdch \'fa\'e8astn\'edkov\'93. Nikde nie je v z\'e1kone uveden\'e9, \'9ee vzdel\'e1vacia in\'9atit\'facia si vol\'ed sektory, v ktor\'fdch chce OFV poskytova\'9d a n\'e1sledne sp\'e5\'f2a\'9d po \'9eiadavky z\'e1kona, napr. \'a7 22a ods. 13. Rovnako nie je zrejm\'e9, ak\'e9 sp\'f4soby nahlasovania \'fa\'e8asti na sk\'fa\'9aku s\'fa povolen\'e9/mo\'9en\'e9 (\'e8i je to povinn\'e9 cez webov\'fa str\'e1nku alebo je to mo\'9en\'e9 cez intern\'fd syst \'e9m in\'9atit\'facie). A tie\'9e v z\'e1kone ch\'fdba explicitn\'e9 ur\'e8enie, \'9ee pr\'edstupnos\'9d e-learningov\'e9ho kurzu v LMS syst\'e9me vzdel\'e1vacej in\'9atit\'facie znamen\'e1 splnenie povinnosti \'a7 22a ods. 13 p\'edsm. d). - Zo z\'e1 kona vypl\'fdva povinnos\'9d zapisova\'9d ka\'9ed\'e9 vzdel\'e1vanie do registra pre ka\'9ed\'e9ho \'fa\'e8astn\'edka. Nie je ur\'e8en\'fd mechanizmus, ak\'fdm bude na prv\'fd poh\'bead zrejm\'e9 a odkontrolovate\'ben\'e9, \'e8i sprostredkovate\'be v registri m\'e1 splnen\'e9 v\'9aetky po\'9eiadavky na odborn\'fa sp\'f4sobilos\'9d v ka\'9edom sektore, v ktorom podnik\'e1. Bude navrhovate\'be musie\'9d nahlasova\'9d aj splnenie predp\'edsan\'e9ho po\'e8tu hod\'edn za ka\'9ed\'e9 ho svojho sprostredkovate\'bea ro\'e8ne, alebo sa to v registri bude automaticky nas\'e8\'edtava\'9d? Aby ka\'9ed\'fd subjekt o sebe v ka\'9edom momente videl a vedel. 24. Navy\'9ae d\'e1vame na zv\'e1\'9eenie, aby po\'9eiadavka \'a7 22a ods. 7 p\'ed sm. b) vypadla z n\'e1vrhu, preto\'9ee v dne\'9anej dobe elektronick\'fdch \'faradn\'fdch evidenci\'ed je mo\'9en\'e9 si kedyko\'bevek on-line overi\'9d predmetn\'e9 skuto\'e8nosti. 25. \'a722a ods. 13 p\'edsm. d) navrhujeme doplni\'9d nasledovne: \'84 Elektronick\'fd kurz mus\'ed ma\'9d ur\'e8en\'fa minim\'e1lnu d\'e5\'9eku trvania a je vyhl\'e1sen\'fd d\'f2om jeho spr\'edstupnenia v syst\'e9me poskytovate\'bea.\'93 s od\'f4vodnen\'edm, \'9ee ka\'9ed\'e9 konanie elektronick\'e9ho kurzu nie je mo\'9en \'e9 vyhlasova\'9d osobitne. 26. \'a722a ods. 13 p\'edsm. e) navrhujeme zmeni\'9d \'84do troch pracovn\'fdch dn\'ed\'93 na \'84do desiatich pracovn\'fdch dn\'ed\'93 s od\'f4vodnen\'edm \'9ee aj NBS m\'e1 tak\'e9to lehoty na z\'e1 pis do registra, resp. registra sk\'fa\'9aok. 27. Aby sme mohli zodpovedne vyjadri\'9d k po\'9eiadavk\'e1m na odborn\'fa sp\'f4sobilos\'9d, potrebovali by sme pos\'fadi\'9d cel\'fd z\'e1konodarcom navrhnut\'fd syst\'e9m odbornej sp\'f4sobilosti v d etailoch, t.j. potrebujeme ma\'9d k dispoz\'edcii vykon\'e1vac\'ed predpis pod\'bea \'a7 22a ods. 16, inak nie sme schopn\'ed dotiahnu\'9d ani na\'9ae pripomienkovanie, ani pr\'edpravu na re\'e1lne vykon\'e1vanie t\'fdchto povinnost\'ed. 28. Prechodn\'e9 obdobie na zos\'faladenie po\'9eiadaviek na odborn\'fa sp\'f4sobilos\'9d navrhujeme posun\'fa\'9d do 30.6.2019, vzh\'beadom na technick\'fa a organiza\'e8n\'fa n\'e1ro\'e8nos\'9d prisp\'f4sobenia sa, aj vzh\'beadom na to, \'9ee vykon\'e1vac\'ed predpis k z\'e1konu bude pravdepodobne k dispoz\'edcii najsk\'f4r za\'e8iatkom jesene, preto\'9ee usmernenie EIOPA (pod\'bea IDD \'e8l. 30 ods. 7) bude publikovan\'e9 k 23.8.2017. To v\'9aetko znamen\'e1 len nieko\'beko m\'e1lo mesiacov na na\'9au pr\'ed pravu na zodpovedn\'fa realiz\'e1ciu upravi\'9d nasledovne a z\'e1rove\'f2 da\'9d do s\'faladu s rovnak\'fdm ustanoven\'edm (aj ozna\'e8en\'edm), ktor\'e9 do tohto z\'e1kona vklad\'e1 novela z\'e1kona 566/2001 o cenn\'fdch papieroch a investi\'e8n\'fd ch slu\'9eb\'e1ch: \'84\'a7 42c Prechodn\'e9 ustanovenie k \'faprav\'e1m \'fa\'e8inn\'fdm od 1. janu\'e1ra 2018 Osoby, ktor\'e9 vykon\'e1vaj\'fa finan\'e8n\'e9 sprostredkovanie alebo finan\'e8n\'e9 poradenstvo pod\'bea predpisov \'fa\'e8inn\'fd ch do 31. decembra 2017, s\'fa povinn\'e9 splni\'9d po\'9eiadavky pre odborn\'fa sp\'f4sobilos\'9d pod\'bea \'a7 21 ods. 3 v znen\'ed \'fa\'e8innom od 1. janu\'e1ra 2018 v nasledovn\'fdch lehot\'e1ch: - t\'ed, ktor\'fdm term\'edn obnovy odbornej sp\'f4 sobilosti vykonan\'edm OFV nastane v roku 2018 \endash splni\'9d do 12 mesiacov odo d\'f2a jeho splnenia, - t\'ed, ktor\'fdm term\'edn obnovy odbornej sp\'f4sobilosti vykonan\'edm OFV nastane v roku 2019 \endash splni\'9d do d\'f2a jeho nastatia - t\'ed , ktor\'fdm term\'edn obnovy odbornej sp\'f4sobilosti vykonan\'edm OFV nastane v roku 2020 \endash splni\'9d do 12 mesiacov od \'84medzn\'e9ho\'93 d\'e1tumu, ktor\'fdm sa rozumie de\'f2 a mesiac v roku 2019, ktor\'fd je rok skor\'9a\'ed ne\'9e ten, ktor \'fd je teraz platn\'fd - t\'ed, ktor\'fdm term\'edn obnovy odbornej sp\'f4sobilosti vykonan\'edm OFV nastane v roku 2021 \endash splni\'9d do 12 mesiacov od \'84medzn\'e9ho\'93 d\'e1tumu, ktor\'fdm sa rozumie de\'f2 a mesiac v roku 2019, ktor\'fd je dv a roky skor\'9a\'ed ne\'9e ten, ktor\'fd je teraz platn\'fd - odborn\'e1 sk\'fa\'9aka sa od 1.1.2018 neopakuje - medzn\'fdm d\'e1tumom sa rozumie d\'e1tum (de\'f2 a mesiac) posledn\'e9ho vykonania OFV, ktor\'fd je pre ka\'9ed\'e9ho individu\'e1lne platn \'fd pre ka\'9ed\'fd sektor zvl\'e1\'9a\'9d. Vo vykon\'e1vacom predpise navrhujeme n\'e1sledne \'e8o najsk\'f4r dorie\'9ai\'9d: \bullet v\'fdslovn\'e9 po\'9eadovan\'e9 znenie predmetu \'e8innosti, ktor\'e9 dovol\'ed poskytovate\'beovi OFV by\'9d zap\'ed san\'fd do registra poskytovate\'beov \endash navrhujeme aktu\'e1lne \'84vykon\'e1vanie mimo\'9akolskej vzdel\'e1vacej \'e8innosti\'93 \bullet po\'9eadovan\'e9 po\'e8ty hod\'edn \'famern\'e9 n\'e1ro\'e8nosti sektora (POI z IDD povinne 15 hod\'ed n, ostatn\'e9 sektory s\'fa nepovinn\'e9, tak\'9ee rie\'9aim minim\'e1lne) \endash hlavne na za\'e8iatku bude z\'e1\'9da\'9e na cel\'fd syst\'e9m enormn\'e1 a potrebujeme ho spolo\'e8ne dobre odladi\'9d, aby nov\'e9 podmienky neboli likvida\'e8n\'e9 \bullet sp\'f4soby nahliadania do registra OFV a s\'9dahovania \'fadajov potrebn\'fdch na zabezpe\'e8enie kontinuity a dodr\'9eania podmienok z\'e1kona navrhovate\'beom \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid11404791 \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid11404791 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid11404791 \'c8A \par }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid11404791 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid11404791 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565\charrsid11404791 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid11404791\charrsid11404791 Vzh\'beadom na ve\'bek\'e9 mno\'9estvo navrhovan\'fdch zmien v\~jednej pripomienke nie je mo\'9en\'e9 vyhodnocova\'9d individu\'e1lne.\cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565\charrsid11404791 \trowd \irow348\irowband348\ltrrow\ts11\trqc\trleft-8\trbrdrt \brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Verejnos \'9d\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'a7 25 }{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 30. \'a725 ods. 1 navrhujeme vypusti\'9d slovo \'84samostatn\'fd\'93 vo v\'9aetk\'fdch tvaroch Navrhujeme vypusti\'9d cel\'fd tento bod 65 novely. Od\'f4vodnenie: V pr\'edpade, \'9ee odborn\'e9ho garanta mus\'ed zriadi\'9d ka\'9ed\'fd aj podriaden\'fd finan\'e8n\'fd agent alebo viazan\'fd finan\'e8n\'fd agent, ide o zbyto\'e8n\'e9 administrat\'edvne opatrenie, ktor\'e9 pri spolo\'e8nostiach s jedn\'fdm konate\'beom a spolo\'e8n\'edkom bez zamestnancov bude \'e8isto form \'e1lneho charakteru. Z\'e1rove\'f2 \'faprava zamedzuje tomu, aby kvalifikovane zdatn\'e1 osoba s dostato\'e8n\'fdmi sk\'fasenos\'9dami vykon\'e1vala \'e8innos\'9d odborn\'e9ho garanta pre viacer\'fdch podriaden\'fdch finan\'e8n\'fdch agentov alebo viazan \'fdch finan\'e8n\'fdch agentov, \'e8o nepova\'9eujeme za spr\'e1vne. Okrem toho nem\'e1me inform\'e1cie o tom, \'9ee by s\'fa\'e8asn\'fd pr\'e1vny stav sp\'f4soboval v praxi ak\'e9ko\'bevek aplika\'e8n\'e9 probl\'e9my. M\'e1me za to, \'9ee toto o patrenie povedie k zn\'ed\'9eeniu v\'fdkonu kvality kontroly oproti s\'fa\'e8asn\'e9mu stavu, preto\'9ee t\'fato d\'f4le\'9eit\'fa \'e8innos\'9d bud\'fa vykon\'e1va\'9d osoby bez dostato\'e8n\'fdch sk\'fasenost\'ed. 31. k \'a7 25 ods. 9) \endash navrhovan\'e9 ustanovenie o povinnostiach finan\'e8nej in\'9atit\'facie vo vz\'9dahu k odborn\'e9mu garantovi je neur\'e8it\'e9 a nejednozna\'e8n\'e9 \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1 \nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid11289063 \par \par \par \par A \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow349\irowband349\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Verejnos \'9d\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'a7 27, \'a7 28, \'a7 30}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 33. \'a7 27 \endash navrhovan\'e9 znenie ustanovenia ods. 1 o konflikte z\'e1ujmov je zm\'e4to\'e8n\'e9 . Naviac pod\'bea n\'e1vrhu novely ZoCP by pre agentov a poradcov v sektore kapit\'e1lov\'e9ho trhu mali plati\'9d pravidl\'e1 pre konflikt z\'e1ujmov pod\'bea navrhovan\'e9ho znenia \'a771l ZoCP. S touto ot\'e1zkou sa n\'e1vrh tohto z\'e1kona nijako nevysporiadal. 34. \'a728: Navrhujeme vypusti\'9d cel\'fd bod 73 novely (ktor\'fd v \'a728 vyp\'fa\'9a\'9d a odsek 5). Od\'f4vodnenie: s\'fa\'e8asn\'e1 pr\'e1vna \'faprava umo\'9e\'f2uje vy\'9a\'9aiu ochranu finan\'e8n\'fdch z\'e1ujmov klienta. Nem\'e1me inform\'e1cie o tom, \'9ee by s\'fa\'e8asn\'fd pr\'e1vny stav sp\'f4soboval v praxi ak\'e9ko\'bevek aplika \'e8n\'e9 probl\'e9my. Vzh\'beadom k tomu, \'9ee novela roz\'9airuje mo\'9enosti inkasovania poistn\'e9ho, navrhujeme ponecha\'9d osobitn\'fa \'fapravu, ktor\'e1 umo\'9e\'f2uje chr\'e1ni\'9d zo strany klienta zaplaten\'e9 poistn\'e9 pred pr\'edpadn\'fd mi finan\'e8n\'fdmi probl\'e9mami jednotliv\'fdch finan\'e8n\'fdch agentov. 35. k \'a7 30 \endash zodpovednos\'9d za \'9akodu \endash nie je zrejm\'fd d\'f4vod navrhovanej zmeny ( s v\'fdnimkou zmeny limitov poistn\'e9ho krytia, ktor\'e9 vy\'9e aduje IDD); pod\'bea navrhnut\'e9ho znenia je povinn\'fd sa poisti\'9d agent a pri poru\'9aen\'ed tejto povinnosti zo strany PFA zodpoved\'e1 SFA \endash zru\'9aila sa mo\'9enos\'9d prevzatia zodpovednosti samostatn\'fdm bez toho, aby podriaden\'fd poru \'9ail z\'e1konn\'fa povinnos\'9d (toto poru\'9aenie by v kone\'e8nom d\'f4sledku malo by\'9d d\'f4vodom na stratu d\'f4veryhodnosti)...in\'fdmi slovami, nov\'e9 znenie neumo\'9e\'f2uje prevzia\'9d povinnos\'9d uzatvorenia poistnej zmluvy na poistenie zodpovednosti za \'9akodu sp\'f4soben\'fa vykon\'e1van\'edm sprostredkovania samostatn\'fdm finan\'e8n\'fdm agentom bez poru\'9aenia z\'e1kona jeho podriaden\'fdm agentom. Navrhujeme upravi\'9d limity po\'9eadovan \'e9 smernicou a v ostatnom ponecha\'9d p\'f4vodn\'e9 znenie tohto paragrafu, t.j. navrhujeme vypusti\'9d cel\'e9 body 76, 79 a 80 novely \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 { \rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8525256 \'c8A}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid8525256 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8525256\charrsid11404791 Vzh\'beadom na ve\'bek\'e9 mno\'9estvo navrhovan\'fdch zmi en v\~jednej pripomienke nie je mo\'9en\'e9 vyhodnocova\'9d individu\'e1lne.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8525256 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow350\irowband350\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Verejnos \'9d\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'a7 32}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 36. \'a7 32 ods. 2 \endash n\'e1klady na finan\'e8n\'e9 sprostredkovanie \endash navrhovan\'fd text v\'fdrazne prekra\'e8uje povinnosti vypl\'fdvaj\'face z implement\'e1cie IDD nielen v tom, \'9ee amb\'edciou z\'e1 kona je povinnosti pre sektor poistenia aplikova\'9d na cel\'fd trh (6 sektorov), ale aj v defin\'edcii povinnost\'ed t\'fdkaj\'facich sa zverej\'f2ovania n\'e1kladov na finan\'e8n\'e9 sprostredkovanie; text\'e1cia \'84o existencii, povahe a v\'fd\'9a ke odmeny\'93 nevypl\'fdva z IDD; smernica v \'e8l\'e1nku 19 k odmene hovor\'ed, \'9ee sprostredkovate\'be m\'e1 klientovi ozn\'e1mi\'9d \'84povahu odmeny prijatej vo vz\'9dahu k poistnej zmluve a \'e8i vo vz\'9dahu k poistnej zmluve pracuje na z\'e1 klade poplatku, teda odmeny platenej priamo z\'e1kazn\'edkom, prov\'edzie ak\'e9hoko\'bevek druhu, ktor\'e1 je odmenou zahrnutou do poistn\'e9ho, na z\'e1klade ak\'e9hoko\'bevek in\'e9ho druhu odmeny vr\'e1tane hospod\'e1rskej v\'fdhody ak\'e9hoko\'be vek druhu, ktor\'e1 sa pon\'faka alebo poskytuje v s\'favislosti s poistnou zmluvou, alebo na z\'e1klade kombin\'e1cie niektor\'fdch t\'fdchto odmien\'93; z uveden\'e9ho znenia smernice je zrejm\'e9, \'9ee jej \'fa\'e8elom je poskytn\'fa\'9d klientovi inform\'e1ciu v tom zmysle, aby klient vedel, \'e8i slu\'9ebu sprostredkovania plat\'ed priamo, alebo v cene produktu. V pr\'edpade, \'9ee m\'e1 klient plati\'9d priamo sprostredkovate\'beovi, logicky mus\'ed by\'9d informovan\'fd, ko\'beko. T \'e1to inform\'e1cia v\'9aak str\'e1ca v\'fdznam v pr\'edpade, \'9ee cena poistenia zoh\'bead\'f2uje n\'e1klady na distrib\'faciu a klient ju priamo neplat\'ed. V neposlednom rade je ustanovenie problematick\'e9 aj z d\'f4vodu, \'9ee r\'f4zne distribu\'e8 n\'e9 kan\'e1ly maj\'fa r\'f4zne \'farovne odme\'f2ovania, aj ke\'ef pon\'fakaj\'fa klientovi rovnak\'fd produkt a i na klientove n\'e1klady to nem\'e1 \'9eiaden dopad. Navrhujeme 81. bod n\'e1vrhu \'c8l\'e1nku I zmeni\'9d nasledovne : 81 \'c8l\'e1nok I: \'a7 32 vr\'e1tane nadpisu znie: \'84\'a7 32 N\'e1klady na finan\'e8n\'e9 sprostredkovanie a na finan\'e8n\'e9 poradenstvo (1) Finan\'e8n\'fd agent nesmie v s\'favislosti s vykon\'e1van\'edm finan\'e8n\'e9ho sprostredkovania prij\'edma\'9d od neprofesion \'e1lneho klienta ak\'e9ko\'bevek pe\'f2a\'9en\'e9 plnenie alebo nepe\'f2a\'9en\'e9 plnenie. (2) Pred vykon\'e1van\'edm finan\'e8n\'e9ho sprostredkovania mus\'ed by\'9d neprofesion\'e1lny klient jednozna\'e8ne presn\'fdm a zrozumite\'ben\'fdm sp\'f4 sobom p\'edsomne alebo na inom trvanlivom m\'e9diu informovan\'fd o existencii a povahe a v\'fd\'9ake odmeny, ktor\'fa prij\'edma finan\'e8n\'fd agent za finan\'e8n\'e9 sprostredkovanie vo vz\'9dahu ku konkr\'e9tne uzatv\'e1ranej zmluve o poskytnut\'ed finan\'e8nej slu\'9eby, ak osobitn\'fd z\'e1kon neustanovuje inak.37a) Na z\'e1klade po\'9eiadavky klienta mus\'ed by\'9d klient jednozna\'e8ne, vy\'e8erp\'e1vaj\'facim, presn\'fdm a zrozumite\'ben\'fdm sp\'f4sobom informovan\'fd aj o v\'fd\'9a ke odmeny; o tejto skuto\'e8nosti mus\'ed finan\'e8n\'fd agent p\'edsomne informova\'9d klienta pred uzatvoren\'edm zmluvy o poskytovan\'ed finan\'e8nej slu\'9eby. (3) V s\'favislosti s vykon\'e1van\'edm finan\'e8n\'e9ho sprostredkovania nesmie finan\'e8n \'fd agent poskytova\'9d klientovi alebo potenci\'e1lnemu klientovi \'9eiadne finan\'e8n\'e9 v\'fdhody alebo v\'fdhody hmotnej alebo nehmotnej povahy. Za tak\'e9to v\'fdhody sa nepova\'9euje poskytnutie drobn\'fdch reklamn\'fdch predmetov. (4) Finan\'e8n \'fd poradca nesmie v s\'favislosti s vykon\'e1van\'edm finan\'e8n\'e9ho poradenstva prij\'edma\'9d ak\'e9ko\'bevek pe\'f2a\'9en\'e9 plnenie alebo nepe\'f2a\'9en\'e9 plnenie s v\'fdnimkou plnenia od klienta. (5) Finan\'e8n\'fd agent nesmie by\'9d odme\'f2 ovan\'fd ani nesmie odme\'f2ova\'9d alebo posudzova\'9d v\'fdkonnos\'9d svojich zamestnancov sp\'f4sobom, ktor\'fd by bol v rozpore s ich povinnos\'9dou kona\'9d v s\'falade s najlep\'9a\'edmi z\'e1ujmami klientov. Za t\'fdmto \'fa\'e8elom nesmie zavies \'9d \'9eiadne mechanizmy v podobe odmien, cie\'beov predaja, ani in\'fdch n\'e1strojov, ktor\'e9 by mohli by\'9d pre finan\'e8n\'e9ho agenta alebo jeho zamestnancov stimulom, aby klientovi odpor\'fa\'e8ali ur\'e8it\'fd finan\'e8n\'fd produkt, pokia\'be by bolo mo\'9en\'e9 pon\'faknu\'9d klientovi in\'fd finan\'e8n\'fd produkt, ktor\'fd by lep\'9aie sp\'e5\'f2al jeho potreby.\'93. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 { \rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15881074 \par \par \par \par \par \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow351\irowband351\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Verejnos \'9d\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'a7 32, \'a7 33, \'a7 37, \'a7 38, \'a7 42c}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 38. \'a7 32 ods. 56 \endash roz\'9a\'edrenie p\'f4sobnosti IDD na cel\'fd trh prin\'e1\'9aa nejednozna\'e8nos\'9d aj vo vz\'9dahu k porovn\'e1vaniu produktov v r\'f4znych sektoroch finan\'e8n\'e9 ho trhu \endash pri ur\'e8ovan\'ed pravidiel odme\'f2ovania, ktor\'e9 nesm\'fa obsahova\'9d stimuly odpor\'fa\'e8a\'9d \'84ur\'e8it\'fd finan\'e8n\'fd produkt, pokia\'be by bolo mo\'9en\'e9 pon\'faknu\'9d klientovi in\'fd finan\'e8n\'fd produkt, ktor\'fd by lep\'9aie sp\'e5\'f2al jeho potreby\'93 je \'84pole p\'f4sobnosti org\'e1nu doh\'beadu\'93 ne\'famerne \'9airok\'e9, porovn\'e1vanie vhodnosti finan\'e8n\'fdch produktov v\'9aeobecne je do ve\'bekej miery v\'9edy subjekt\'edvna z\'e1le\'9eitos\'9d ; je zlo\'9eit\'e9 jednozna\'e8ne ur\'e8i\'9d, \'e8i je pre klienta vhodnej\'9aia jedna, alebo druh\'e1 poistka; nie je v\'9aak mo\'9en\'e9 objekt\'edvne jednozna\'e8ne ur\'e8i\'9d, \'e8i je vhodnej\'9aia hypot\'e9ka, alebo doplnkov\'e9 starobn\'e9 sporenie. Rovnak\'fd probl\'e9m vznik\'e1 pri \'a7 35. 39. k \'a7 33 ods. 4 p\'edsm. f) \endash ustanovenie je nezrozumite\'ben\'e9; zrejme m\'e1 \'eds\'9d o prevzatie \'e8l. 19 ods. 3 IDD, v zmysle ktorej, ak m\'e1 klient po uzavret\'ed zmluvy plati \'9d in\'e9 platby, ako be\'9en\'e9 platby poistn\'e9ho, \'e8i pravideln\'e9 platby, m\'e1 sprostredkovate\'be klientovi ozn\'e1mi\'9d aj inform\'e1cie o ka\'9edej takejto platbe; Navrhujeme z\'e1rove\'f2 ponecha\'9d p\'f4vodn\'fd bod g) a tento navrhovan \'fd bod pripoji\'9d za\'f2. 40. k \'a7 33 ods. 5 p\'edsm. e) \endash ustanovenie je vzh\'beadom na nespr\'e1vny slovosled zm\'e4to\'e8n\'e9 41. k \'a7 33 ods. 14 \endash v navrhovanom ustanoven\'ed sa stanovuj\'fa povinnosti samostatn\'e9mu finan\'e8n \'e9mu agentovi v pr\'edpade, \'9ee uzavretiu alebo k zmene zmluvy o poskytnut\'ed finan\'e8nej slu\'9eby doch\'e1dza prostredn\'edctvom sprostredkovate\'bea doplnkov\'e9ho poistenia \endash z text\'e1cie tohto ustanovenia, ani kontextu z\'e1 kona nie je zrejm\'fd vz\'9dah medzi sprostredkovate\'beom doplnkov\'e9ho poistenia a samostatn\'fdm finan\'e8n\'fdm agentom (z\'e1kon tento vz\'9dah samostatn\'e9ho finan\'e8n\'e9ho agenta a sprostredkovate\'bea doplnkov\'e9 ho poistenia nikde nedefinuje) 42. Novela z\'e1kona 566/2001 o cenn\'fdch papieroch a investi\'e8n\'fdch slu\'9eb\'e1ch zav\'e1dza \'a7 33a \'84Investi\'e8n\'e9 produkty zalo\'9een\'e9 na poisten\'ed\'93 a tento z\'e1kon zav\'e1dza \'a7 37d s rovnak\'fd m n\'e1zvom, ale r\'f4znym obsahom. T\'fato disproporciu je treba odstr\'e1ni\'9d \endash z\'e1sadn\'e1 pripomienka! 43. k \'a7 37 \endash navrhuje sa prevzatie pr\'e1vnej \'fapravy po\'9eiadaviek na obchodn\'edka s cenn\'fd mi papiermi 1:1 aj na agenta a poradcu v sektore kapit\'e1lov\'e9ho trhu; rovnak\'fa ot\'e1zku rie\'9ai n\'e1vrh novely z\'e1kona o cenn\'fdch papieroch. M\'e1me za to, \'9ee takto v\'9aeobecne formulovan\'e9 ustanovenie, odkazuj\'face na z\'e1kon o cenn \'fdch papieroch, ktor\'fd \'efalej odkazuje na Delegovan\'e9 nariadenie by vnieslo do syst\'e9mu mnoho nejasnost\'ed a je potrebn\'e9 jednozna\'e8ne upravi\'9d, ktor\'e9 povinnosti/po\'9eiadavky na obchodn\'edka s cenn\'fdmi papiermi by mali plni\'9d aj agenti/poradcovia v sektore kapit\'e1lov\'e9ho trhu. 44. k \'a7 37b \endash navrhovan\'fd text ods. 2 je nejednozna\'e8n\'fd a umo\'9e\'f2uje r\'f4zne v\'fdklady, je nutn\'e9 ho spresni\'9d 45. k \'a7 37d ods. 1 p\'edsm. c) \endash ustanovenie je nejednozna\'e8n\'e9, ch\'fdba defin\'edcia \'84relevantn\'fdch pr\'edpadov\'93; 46. k \'a7 37d ods. 1 p\'edsm. c) je potrebn\'e9 vyhodi\'9d z textu posledn\'fd - 3. v\'fdskyt slovn\'e9ho spojenia \'84potenci\'e1lneho klienta\'93 a obdobne v \'a7 37d ods. 4 je potrebn\'e9 vyhodi\'9d z textu posledn\'fd - 2. v\'fdskyt slovn\'e9ho spojenia \'84potenci\'e1lneho klienta\'93 47. v \'a7 38 je nedostato\'e8ne definovan\'fd okruh os\'f4b, nad ktor\'fdmi vykon\'e1va doh\'bead NBS; nezah \'e0\'f2a sprostredkovate\'bea z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu v sektore \'faverov na b\'fdvanie, ani sprostredkovate\'bea doplnkov\'e9ho poistenia; zrejme ide o chybu v n\'e1vrhu znenia 48. k \'a7 38 ods. 16 \endash navrhovan\'e9 ustanovenie je nejednozna\'e8n\'e9, treba definova\'9d presne, ak\'e9 \'84probl\'e9my os\'f4b vykon\'e1vaj\'facich finan\'e8n\'e9 sprostredkovanie\'93 s\'fa d\'f4vodom na informovanie Komisie; takto \'9airok\'e9 formul\'e1cie by nemali by\'9d s\'fa\'e8as \'9dou legislat\'edvneho textu; 49. k \'a7 42c \endash prechodn\'e9 ustanovenie \endash je nedostato\'e8n\'e9 z poh\'beadu konkretiz\'e1cie povinnost\'ed jednotliv\'fdch stup\'f2ov odbornej sp\'f4sobilosti, je nevyhnutn\'e9 ho \'9apecifikova\'9d ; menili sa podmienky aj po\'9eadovan\'e9 stupne; 50. Nie je jasn\'e9, ako sa m\'e1 vyklada\'9d \'84riadiaci org\'e1n\'93 (napr. v \'a7 22a ods. 6 p\'edsm. b) a na \'efal\'9a\'edch 7 miestach v texte) \endash evidentne ide o terminol\'f3giu prebrat\'fa z IDD. 51. Prechodn\'e9 obdobie na zos\'faladenie po\'9eiadaviek na odborn\'fa sp\'f4sobilos\'9d navrhujeme posun\'fa\'9d do 30.6.2019, vzh\'beadom na technick\'fa a organiza\'e8n\'fa n\'e1ro\'e8nos\'9d prisp\'f4sobenia sa, aj vzh\'beadom na to, \'9e e vykon\'e1vac\'ed predpis k z\'e1konu bude pravdepodobne k dispoz\'edcii najsk\'f4r za\'e8iatkom jesene, preto\'9ee usmernenie EIOPA (pod\'bea IDD \'e8l. 30 ods. 7) bude publikovan\'e9 k 23.8.2017. To v\'9aetko znamen\'e1 len nieko\'beko m\'e1 lo mesiacov na na\'9au pr\'edpravu na zodpovedn\'fa realiz\'e1ciu. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O \cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15881074 \par \par \par \par \par N \par \cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid15881074 \par }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid15881074 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid15881074\charrsid15881074 Zjednotenie pravidiel pre v\'9a etky sektory finan\'e8n\'e9ho trhu.\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow352\irowband352\ltrrow \ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Verejnos \'9d\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'a7 4}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 4.\'a74 p\'edsm. m) \endash (a v niektor\'fdch \'efal\'9a\'edch ustanoveniach) sa pou\'9e\'edva pojem \'84distrib\'facia\'93, ktor\'fd nie je z\'e1konom definovan\'fd. Pova\'9eujem za d\'f4le\'9eit\'e9 doplni\'9d defin\'ed ciu distrib\'facia/distribu\'e8n\'fd kan\'e1l do ust. \'a7 4. Z\'e1rove\'f2 po\'9eadujeme zrovnopr\'e1vni\'9d online distribu\'e8n\'e9 kan\'e1ly s ostatn\'fdmi tak, ako to vy\'9eaduje smernica. 5. k \'a7 4 p\'edsm. s) \endash z navrhovanej text\'e1 cie nie je zrejm\'e9, ktor\'e9 produkty s\'fa investi\'e8n\'fdmi produktami zalo\'9een\'fdmi na poisten\'ed, rovnako nie je mo\'9en\'e9 jednozna\'e8ne ur\'e8i\'9d, \'e8i pravidl\'e1 platia pre zmluvu, ktor\'e1 obsahuje investi\'e8n\'fa zlo\'9e ku, ako celok, alebo len pre \'e8as\'9d invest\'edci\'ed (nie pre pripoistenia). Navrhujeme doplni\'9d odkaz na pr\'edlohu, ktor\'e1 tento druh produktov vymedz\'ed. 6. k \'a7 11 p\'edsm. c) \endash na sprostredkovate\'bea doplnkov\'e9ho poistenia sa vz \'9dahuj\'fa r\'f4zne povinnosti pod\'bea toho, \'e8i je registrovan\'fd pre samostatn\'e9ho finan\'e8n\'e9ho agenta, alebo pre finan\'e8n\'fa in\'9atit\'faciu \endash poru\'9aenia z\'e1sady \'84level playing field\'93. \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9199641 A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1 \widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow353\irowband353\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt \brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Verejnos \'9d\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'a7 70; bod 1. \'c8l\'e1nku II}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 52. \'a7 70 ods. 1 men\'ed p\'edsmeno e), ktor\'e9 znie nasledovne (komplexn\'e1 \'faprava je uveden\'e1 ni\'9e\'9aie v texte): \'84e) poskytn\'fa\'9d potencion\'e1lnemu neprofesion\'e1lnemu klientovi jednozna \'e8ne presn\'fdm a zrozumite\'ben\'fdm sp\'f4sobom p\'edsomne alebo na inom trvanlivom m\'e9diu inform\'e1ciu o existencii a povahe a v\'fd\'9ake odmeny vypl\'e1canej jej zamestnancom vo vz\'9dahu ku konkr\'e9tne uzatv\'e1ranej poistnej zmluve. Na z\'e1 klade po\'9eiadavky klienta mus\'ed by\'9d klient jednozna\'e8ne, vy\'e8erp\'e1vaj\'facim, presn\'fdm a zrozumite\'ben\'fdm sp\'f4sobom informovan\'fd aj o v\'fd\'9ake odmeny; o tejto skuto\'e8nosti mus\'ed finan\'e8n\'e1 in\'9atit\'facia p\'ed somne informova\'9d klienta pred uzatvoren\'edm poistnej zmluvy. Od\'f4vodnenie: navrhovan\'e9 pr\'e1vna \'faprava zav\'e1dza rozporupln\'e9 porovnanie odmeny u zamestnancov finan\'e8n\'fdch in\'9atit\'faci\'ed a odmeny u finan\'e8n\'fd ch agentov. V oboch pr\'edpadoch sa porovn\'e1vaj\'fa in\'e9 \'fadaje, ktor\'e9 m\'f4\'9eu mias\'9d klienta vo v\'fd\'9ake n\'e1kladov s\'favisiacich s distrib\'faciou poistenia a z podstaty veci znev\'fdhod\'f2uj\'fa finan\'e8n\'fdch agentov, ktor\'ed zverej\'f2uj\'fa ove\'bea \'9air\'9a\'ed okruh odmeny. Takto nastaven\'e1 informa\'e8n\'e1 povinnos\'9d (s rozdielnym rozsahom informa\'e8nej povinnosti) m\'f4\'9ee by\'9d a\'9e v priamom rozpore so Smernicou o distrib\'facii poistenia, ktor\'e1 m\'e1 by \'9d touto novelou transponovan\'e1. Navrhovan\'e1 informa\'e8n\'e1 povinnos\'9d tie\'9e neod\'f4vodnene zasahuje do obchodnopr\'e1vnych vz\'9dahov, ktor\'e9 s\'fa v s\'fa\'e8asnosti d\'f4vern\'e9ho charakteru, ako aj do pracovnopr\'e1vnych vz\'9d ahov pri zamestnancoch finan\'e8n\'fdch in\'9atit\'faci\'ed. Nastaven\'e1 informa\'e8n\'e1 povinnos\'9d neprin\'e1\'9aa \'9eiadnu zv\'fd\'9aen\'fa ochranu klienta a pova\'9eujeme ju za zbyto\'e8n\'fa. Navrhovan\'e9 znenie ustanovenie je tie\'9e \'e8iasto \'e8ne nevykonate\'ben\'e9 a v praxi m\'f4\'9eu by\'9d s jeho aplik\'e1ciou v praxi spojen\'e9 viacer\'e9 praktick\'e9 probl\'e9my. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 { \rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid9199641 \par \par \par \par N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid14877532 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14877532 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14877532 Navrhovan\'e1 pripomienka je rie\'9aen\'e1 odkazom v\~\'e8l. II bod 2}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14877532 \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow354\irowband354\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Verejnos \'9d\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'c8l\'e1nku II n\'e1vrhu zmien}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 53. navrhujeme doplni\'9d nov\'fd bod \'c8l\'e1nku II novely: 1. V \'a7 70 ods. 1 sa men\'ed p\'edsmeno b) a dop\'e5\'f2aj\'fa sa p\'edsmen\'e1 e) a\'9e j) a body 9 a\'9e 23, ktor\'e9 znej\'fa: \'84 b) poskytn \'fa\'9d neprofesion\'e1lnemu klientovi alebo potenci\'e1lnemu neprofesion\'e1lnemu klientovi inform\'e1cie, ktor\'e9 s\'fa potrebn\'e9 na to, aby mohol spr\'e1vne porozumie\'9d charakteru a rizik\'e1m poistnej zmluvy a n\'e1sledne zodpovedne prija\'9d rozhodnutie t\'fdkaj\'face sa poistnej zmluvy, a to inform\'e1cie o pr\'e1vnych n\'e1sledkoch uzavretia poistne zmluvy a o sp\'f4soboch a syst\'e9me ochrany pred zlyhan\'edm pois\'9dovne alebo pobo\'e8ky zahrani\'e8nej pois\'9dovne, c) poskytn\'fa\'9d potenci\'e1lnemu klientovi \'efal\'9aie dodato\'e8n\'e9 inform\'e1cie s\'favisiace s uzavret\'edm poistnej zmluvy tak, aby mohol n\'e1sledne zodpovedne prija\'9d rozhodnutie t\'fdkaj\'face sa uzavretia poistnej zmluvy, e) poskytn\'fa\'9d potencion\'e1 lnemu neprofesion\'e1lnemu klientovi jednozna\'e8ne presn\'fdm a zrozumite\'ben\'fdm sp\'f4sobom p\'edsomne alebo na inom trvanlivom m\'e9diu inform\'e1ciu o existencii a povahe a v\'fd\'9ake odmeny vypl\'e1canej jej zamestnancom vo vz\'9dahu k uzatv\'e1 ranej poistnej zmluve, f) informova\'9d potenci\'e1lneho klienta a klienta o v\'fd\'9ake poistn\'e9ho a akejko\'bevek platby inej ako poistn\'e9, ak ju m\'e1 klient po uzavret\'ed poistnej zmluvy plati\'9d, g) pri reklame a propag\'e1ci\'ed svojich poistn \'fdch produktov poskytova\'9d pravdiv\'e9, jasn\'e9, preh\'beadn\'e9 a nezav\'e1dzaj\'face inform\'e1cie a presne ozna\'e8i\'9d, \'9ee sa jedn\'e1 o reklamu alebo propag\'e1ciu, h) ku ka\'9ed\'e9mu poistn\'e9mu produktu, ktor\'e9ho s\'fa tvorcom, vypracova\'9d informa\'e8n\'fd dokument o poistnom produkte pod\'bea osobitn\'e9ho predpisu 28a). i) informova\'9d o postupe pri pod\'e1van\'ed s\'9da\'9enost\'ed a o osobitn\'fdch predpisoch39) upravuj\'facich mimos\'fadne vyr ovnanie sporov vypl\'fdvaj\'facich z uzatvorenej poistnej zmluvy, j) predlo\'9ei\'9d informa\'e8n\'fd dokument o poistnom produkte, ... (9) Pois\'9dov\'f2a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2a z in\'e9ho \'e8lensk\'e9ho \'9at\'e1 tu a pobo\'e8ka pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu je povinn\'e1 zisti\'9d a zaznamena\'9d po\'9eiadavky a potreby klienta, jeho sk\'fasenosti a znalosti t\'fdkaj\'face sa pr\'edslu\'9anej poistnej zmluvy a inform\'e1cie o jeho finan\'e8 nej situ\'e1cii, a to s oh\'beadom na povahu poistnej zmluvy, ktor\'e1 je predmetom ponuky poistenia. Pri ponuke poistenia investi\'e8n\'fdch produktov zalo\'9een\'fdch na poisten\'ed je pois\'9dov\'f2a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, pois\'9dov \'f2a z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ka pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu povinn\'e1 zisti\'9d aj inform\'e1cie, t\'fdkaj\'face sa schopnosti klienta zn\'e1\'9aa\'9d straty a inform\'e1cie o investi\'e8n\'fdch cie\'be och klienta vr\'e1tane jeho odolnosti vo\'e8i riziku, aby tak pois\'9dov\'f2a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2a z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ka pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1 tu mohla klientovi odporu\'e8i\'9d investi\'e8n\'e9 produkty zalo\'9een\'e9 na poisten\'ed, ktor\'e9 s\'fa pre neho vhodn\'e9 a ktor\'e9 predov\'9aetk\'fdm zodpovedaj\'fa postoju klienta k riziku a schopnosti zn\'e1\'9aa\'9d straty. Na po\'9eiadanie pois \'9dovne, pobo\'e8ky zahrani\'e8nej pois\'9dovne, pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ky pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu je klient povinn\'fd p\'edsomne alebo na inom trvanlivom m\'e9diu potvrdi\'9d jej splnenie povinnost\'ed pod\'bea druhej vety alebo tretej vety. (10) Ak ide o profesion\'e1lneho klienta v zmysle osobitn\'e9ho predpisu, pois\'9dov\'f2a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2a z in\'e9ho \'e8lensk\'e9ho \'9at\'e1 tu a pobo\'e8ka pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu je opr\'e1vnen\'e1 predpoklada\'9d, \'9ee tento klient m\'e1 potrebn\'fa \'farove\'f2 sk\'fasenost\'ed a znalost\'ed, ktor\'e9 mu umo\'9e\'f2uj\'fa porozumie\'9d rizik\'e1m s\'fa visiacim s pr\'edslu\'9anou poistnou zmluvou a tieto rizik\'e1 je schopn\'fd finan\'e8ne zvl\'e1dnu\'9d. (11) Pois\'9dov\'f2a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2a z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ka pois\'9dovne z in \'e9ho \'e8lensk\'e9ho \'9at\'e1tu je povinn\'e1 na z\'e1klade inform\'e1ci\'ed zisten\'fdch pod\'bea odseku 9 poskytn\'fa\'9d klientovi odborn\'fa pomoc, inform\'e1cie a odpor\'fa\'e8ania, ktor\'e9 s\'fa pre neho vhodn\'e9 s oh\'beadom na inform\'e1 cie zisten\'e9 pod\'bea odseku 9. (12) Ak pois\'9dov\'f2a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2a z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ka pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu nezist\'ed inform\'e1cie pod\'be a odseku 9, nesmie klientovi pon\'faknu\'9d uzavretie poistnej zmluvy; to neplat\'ed, ak klient preuk\'e1zate\'bene odmietne poskytn\'fa\'9d inform\'e1cie pod\'bea odseku 9 a trv\'e1 na uzavret\'ed poistnej zmluvy. (13) Ak pois\'9dov\'f2a, pobo\'e8 ka zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2a z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ka pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu vyhodnot\'ed na z\'e1klade inform\'e1ci\'ed pod\'bea odseku 9, \'9ee poistn\'e1 zmluva je pre klienta vhodn\'e1, predlo\'9e\'ed klientovi vyhl\'e1senie o vhodnosti p\'edsomne alebo na inom trvanlivom m\'e9diu. Ak pois\'9dov\'f2a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2a z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo \'e8ka pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu vyhodnot\'ed na z\'e1klade inform\'e1ci\'ed pod\'bea odseku 9, \'9ee finan\'e8n\'e1 slu\'9eba nie je pre klienta vhodn\'e1, upozorn\'ed na t\'fato skuto\'e8nos\'9d klienta p\'ed somne alebo na inom trvanlivom m\'e9diu. (14) Inform\'e1cie uveden\'e9 v odseku 1, ktor\'e9 poskytuje pois\'9dov\'f2a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2a z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ka pois\'9dovne z in\'e9ho \'e8 lensk\'e9ho \'9at\'e1tu klientovi alebo potenci\'e1lnemu klientovi, musia by\'9d a) p\'edsomn\'e9 alebo na trvanlivom m\'e9diu alebo poskytnut\'e9 prostredn\'edctvom webov\'e9ho s\'eddla, b) \'fapln\'e9, presn\'e9, pravdiv\'e9, zrozumite\'ben\'e9 , jednozna\'e8n\'e9, preh\'beadn\'e9 a nezav\'e1dzaj\'face, c) poskytnut\'e9 v slovenskom jazyku alebo v inom dohodnutom jazyku. (15) Inform\'e1cie uveden\'e9 v odseku 1 mo\'9eno poskytn\'fa\'9d prostredn\'edctvom webov\'e9ho s\'eddla, ak je ur\'e8en\'e9 osobitne pre klienta alebo ak s\'fa splnen\'e9 tieto podmienky: a) poskytnutie t\'fdchto inform\'e1ci\'ed prostredn\'edctvom webov\'e9ho s\'eddla je vhodn\'e9 s oh\'beadom na kontakt medzi pois\'9dov\'f2ou, pobo\'e8kou zahrani\'e8nej pois\'9dovne, pois \'9dov\'f2ou z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8kou pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a klientom, b) klient s\'fahlasil s poskytnut\'edm t\'fdchto inform\'e1ci\'ed prostredn\'edctvom webov\'e9ho s\'ed dla, c) klient bol elektronicky informovan\'fd o adrese webov\'e9ho s\'eddla a o mieste na webovom s\'eddle, kde mo\'9eno z\'edska\'9d pr\'edstup k t\'fdmto inform\'e1ci\'e1m, d) je zabezpe\'e8en\'e9, \'9ee tieto inform\'e1cie s\'fa k dispoz\'ed cii na webovom s\'eddle primerane dlho na to, aby sa s nimi klient mohol obozn\'e1mi\'9d. (16) Poskytovanie inform\'e1ci\'ed pod\'bea odseku 1 s pou\'9eit\'edm in\'e9ho trvanliv\'e9ho m\'e9dia ne\'9e je p\'edsomn\'e1 forma alebo prostredn\'edctvom webov \'e9ho s\'eddla je mo\'9en\'e9 len v pr\'edpade, ak klient poskytol na tieto \'fa\'e8ely e-mailov\'fa adresu. (17) Ak s\'fa inform\'e1cie adresovan\'e9 neprofesion\'e1lnemu klientovi alebo potenci\'e1lnemu neprofesion\'e1lnemu klientovi, a) musia by\'9d presn\'e9 a nesm\'fa zd\'f4raz\'f2ova\'9d \'9eiadne potenci\'e1lne v\'fdhody poistnej zmluvy bez toho, aby z\'e1rove\'f2 presne a v\'fdrazne nepouk\'e1zali na ak\'e9ko\'bevek s\'favisiace rizik\'e1, b) musia by\'9d predkladan\'e9 tak\'fdm sp\'f4 sobom, o ktorom mo\'9eno predpoklada\'9d, \'9ee mu porozumie klient, ktor\'e9mu s\'fa inform\'e1cie ur\'e8en\'e9 alebo ktor\'fd bude ich pravdepodobn\'fdm pr\'edjemcom, c) nesm\'fa zaml\'e8ova\'9d alebo znejas\'f2ova\'9d d\'f4le\'9eit\'e9 skuto\'e8 nosti, vyhl\'e1senia alebo varovania a ani zni\'9eova\'9d ich v\'fdznam. (18) Ak ide o neprofesion\'e1lneho klienta, inform\'e1cie musia by\'9d poskytnut\'e9 v dostato\'e8nom \'e8asovom predstihu pred uzavret\'edm poistnej zmluvy na trvanlivom m\'e9 diu alebo prostredn\'edctvom internetovej str\'e1nky. (19) Povinnos\'9d poskytn\'fa\'9d inform\'e1cie na trvanlivom m\'e9diu sa pova\'9euje za splnen\'fa, ak sa inform\'e1cie poskytuj\'fa na inom trvanlivom m\'e9diu, ako je p\'edsomn\'e1 forma, ak a) posk ytovanie inform\'e1ci\'ed na tomto trvanlivom m\'e9diu je vhodn\'e9 vzh\'beadom na okolnosti, za ktor\'fdch sa poistn\'e1 zmluva poskytuje neprofesion\'e1lnemu klientovi, b) si neprofesion\'e1lny klient z ponuky poskytnutia inform\'e1ci\'ed v p\'ed somnej forme alebo na inom trvanlivom m\'e9diu vopred zvolil t\'fato formu poskytnutia inform\'e1ci\'ed. (20) V inform\'e1ci\'e1ch poskytovan\'fdch klientom alebo potenci\'e1lnym klientom sa nesmie pou\'9e\'edva\'9d n\'e1zov N\'e1rodn\'e1 banka Slovenska ani n\'e1zov \'9eiadneho in\'e9ho pr\'edslu\'9an\'e9ho org\'e1nu sp\'f4sobom, ktor\'fd by vytv\'e1ral myln\'fd dojem, \'9ee tento org\'e1n podporil alebo schv\'e1lil poistn\'e9 slu\'9eby poskytovan\'e9 pois\'9dov\'f2ou, pobo\'e8 kou zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2ou z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8kou pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu. (21) Ak sa inform\'e1cie poskytovan\'e9 neprofesion\'e1lnemu klientovi alebo potenci\'e1 lnemu neprofesion\'e1lnemu klientovi odvol\'e1vaj\'fa na konkr\'e9tny da\'f2ov\'fd re\'9eim, mus\'ed v nich by\'9d v\'fdslovne uveden\'e9, \'9ee da\'f2ov\'fd re\'9eim z\'e1vis\'ed od individu\'e1lnej situ\'e1cie klienta a v bud\'facnosti sa m\'f4\'9e e zmeni\'9d. (22) Povinnos\'9d poskytn\'fa\'9d inform\'e1cie sa nevz\'9dahuje na poistenie ve\'bek\'fdch riz\'edk. (23) Ustanoveniami odsekov 1 a 9 a\'9e 22 nie s\'fa dotknut\'e9 ustanovenia osobitn\'fdch predpisov upravuj\'face poskytovanie inform\'e1ci \'ed. Od\'f4vodnenie: Navrhujeme doplni\'9d z\'e1kon \'e8. 39/2015 Z.z. o pois\'9dovn\'edctve a o zmene a doplnen\'ed niektor\'fdch z\'e1konov v znen\'ed neskor\'9a\'edch predpisov o povinnosti rovnocenn\'e9 s v\'fdkonom finan\'e8n\'e9 ho sprostredkovania, a to najm\'e4 o zapracovanie nasledovn\'fdch povinnost\'ed ktor\'e9 by sa mali rovnako vz\'9dahova\'9d na pracovn\'edkov finan\'e8n\'fdch in\'9atit\'faci\'ed pon\'fakaj\'facich poistenie: - \'a7 33 z\'e1kona \'e8. 186/2009 Z.z. v rozsahu inform\'e1ci\'ed poskytovan\'fdch priamo o poistnom produkte po zapracovan\'ed novely (v zmysle ods. 3, ods. 4 p\'edsm. e), f), ods. 7 a\'9e 20 primerane), - \'a7 35 z\'e1kona \'e8. 186/2009 Z.z., - \'a7 37b z\'e1kona \'e8 . 186/2009 Z.z. (bod 96 novely), - \'a7 37d z\'e1kona \'e8. 186/2009 Z.z. (bod 96 novely). Smernica o distrib\'facii poistenia stanovuje, aby klient mal k dispoz\'edcii porovnate\'ben\'e9 inform\'e1cie o poistnom produkte a postup distrib\'fa cie poistenia bez oh\'beadu na to, ktor\'fd distribu\'e8n\'fd kan\'e1l vyu\'9eije. S prihliadnut\'edm na t\'fato skuto\'e8nos\'9d je potrebn\'e9, aby aj pracovn\'edci pois\'9dovne v r\'e1mci procesu uzatv\'e1rania poistnej zmluvy zis\'9dovali, \'e8 i poistn\'fd produkt je pre klienta a jeho aktu\'e1lne potreby vhodn\'fd a poskytovali mu \'efal\'9aie inform\'e1cie o poistnom produkte tak, aby klient vedel prija\'9d \'e8o najkvalifikovanej\'9aie rozhodnutie. \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14877532 \par \par \par N\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid14877532 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14877532 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14877532 Navrhovan\'e1 pripomienka je rie\'9aen\'e1 odkazom v\~\'e8l. II bod 2}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14877532 \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow355\irowband355\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Verejnos \'9d\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'a7 11c a \'a7 11d}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line 7. na sprostredkovate\'bea doplnkov\'e9ho poistenia sa vz\'9dahuj\'fa r\'f4zne povinnosti pod\'bea toho, \'e8i je registrovan\'fd pre samostatn\'e9ho finan\'e8n\'e9ho agenta, alebo pre finan\'e8n\'fa in\'9atit\'faciu \endash poru\'9aenia z\'e1sady \'84level playing field\'93. 8. k \'a7 11c ods. 1 bod 1. navrhujeme (v kontexte na\'9aich 6 sektorov, nielen IDD) tento text \'84...hlavnou odbornou \'e8innos\'9dou nie je finan\'e8n\'e9 sprostredkovanie ani finan\'e8n\'e9 poradenstvo.\'93 = bez odkazu na sektor poistenia a zaistenia. 9. k \'a7 11c ods. 1 bod 3. je zrejme nespr\'e1vne op\'edsan\'fd zo smernice, obsahuje dvojn\'e1sobne negat\'edvne vymedzenie, okrem toho \'84liability risks\'93 (\'e8o s\'fa rizik\'e1 zo zodpovednosti) je nespr\'e1vne uveden\'e9 v preklade ako \'84rizik\'e1 vypl\'fdvaj\'face z hmotnej zodpovednosti\'93. 10. \'daprava pr\'e1vneho postavenia sprostredkovate\'bea doplnkov\'e9ho poistenia je nedotiahnut\'e1, v \'a71 ods. 3 z\'e1kon hovor \'ed, \'9ee na sprostredkovate\'bea doplnkov\'e9ho poistenia sa tento z\'e1kon nevz\'9dahuje, v \'a711c obsahuje n\'e1vrh \'fapravu, ktor\'e1 sa na sprostredkovate\'bea doplnkov\'e9ho poistenia vz\'9dahuje...nie je zrejm\'e9, ak\'e1 je predstava z\'e1 konodarcu oh\'beadne pr\'e1vneho postavenia tohto sprostredkovate\'bea; z\'e1konodarca by mal jeho povinnosti aj charakteristiku upravi\'9d tak, aby bola jednozna\'e8n\'e1 \endash je potrebn\'e9 zos\'faladi\'9d defin\'edciu doplnkov\'e9ho poistenia v \'a71 ods. 3 s defin\'edciou sprostredkovate\'bea doplnkov\'e9ho poistenia v \'a711c; predpoklad\'e1me, \'9ee na sprostredkovate\'bea DP ako tak\'e9ho sa niektor\'e9 povinnosti z\'e1kona vz\'9dahuj\'fa (napr. povinnos\'9d registr\'e1cie) \endash tie je potrebn\'e9 vymenova\'9d a niektor\'e9 nevz\'9dahuj\'fa \endash tie je nutn\'e9 negat\'edvne vymedzi\'9d (ro\'e8n\'fd rozsah vzdel\'e1vania a pod.) 11. K \'a711d \endash \'faprava pr\'e1vneho postavenia a povinnost\'ed sprostredkovate\'bea z in \'e9ho \'e8lensk\'e9ho \'9at\'e1tu v sektore poskytovania \'faverov na b\'fdvanie je nejednozna\'e8n\'e1 a nedotiahnut\'e1. Odkazuje vo v\'9aeobecnosti na pr\'e1vnu \'fapravu sprostredkovate\'bea z in\'e9ho \'e8lensk\'e9ho \'9at\'e1 tu v sektore poistenia, ktor\'e1 sa m\'e1 aplikova\'9d \'84primerane\'93. Zo sk\'fasenost\'ed je zrejm\'e9, \'9ee tak\'e9to formul\'e1cie umo\'9e\'f2uj\'face r\'f4zne v\'fdklady sp\'f4sobuj\'fa v praxi mno\'9estvo probl\'e9mov. Pod\'bea navrhnutej \'fa pravy m\'f4\'9eu pre sprostredkovate\'bea z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu plati\'9d in\'e9 pravidl\'e1, ako pre \'84dom\'e1ceho\'93 sprostredkovate\'bea, ke\'ef\'9ee odkazuj\'fa na podmienky \'84domovsk\'e9ho \'9at\'e1tu\'93. V defin\'ed cii sa hovor\'ed o sektore \'faverov na b\'fdvanie, ktor\'fd n\'e1\'9a z\'e1kon nepozn\'e1 (pozn\'e1 \'84sektor poskytovania \'faverov, \'faverov na b\'fdvanie a spotrebite\'besk\'fdch \'faverov\'93). M\'e1me za to, \'9ee s pr\'e1vnou \'fa pravou tejto kateg\'f3rie sprostredkovate\'beov je potrebn\'e9 sa hlb\'9aie zaobera\'9d a jej pr\'e1vnu \'fapravu precizova\'9d tak, aby z nej bolo \'faplne zrejm\'e9, ktor\'e9 ustanovenia a v akom rozsahu sa na tak\'e9hoto sprostredkovate\'bea vz\'9dahuj \'fa. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid13178971 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14877532 \par \par \par \par \par \par \par A\cell }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow356\irowband356\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Verejnos \'9d\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 v\'9aeobecn\'e1}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Predlo\'9een\'fd n\'e1vrh zmien z\'e1kona o finan\'e8nom sprostredkovan\'ed a finan\'e8nom poradenstve nedostato\'e8ne zapracoval k\'be\'fa\'e8ov\'fa po\'9eiadavku Smernice o distrib\'fa cii poistenia na to, aby klientovi bol bez oh\'beadu na to, ktor\'fd distribu\'e8n\'fd kan\'e1l sa rozhodne vyu\'9ei\'9d, poskytnut\'fd rovnak\'fd rozsah inform\'e1ci\'ed o finan\'e8nom produkte resp. by boli jeho po\'9eiadavky a potreby posudzovan\'e9 rovnako. N\'e1vrh zmien z\'e1kona tie\'9e v\'fdrazne navy\'9auje neprimeran\'e9 a neod\'f4vodnen\'e9 administrat\'edvne za\'9da\'9eenie samostatn\'fdch finan\'e8n\'fdch agentov a podriaden\'fdch finan\'e8n\'fdch agentov na \'fakor pracovn\'edkov finan \'e8n\'fdch in\'9atit\'faci\'ed a viazan\'fdch finan\'e8n\'fdch agentov, u ktor\'fdch je toto za\'9da\'9eenie bez oh\'beadu na to, \'9ee vykon\'e1vaj\'fa obdobn\'fa \'e8innos\'9d, r\'e1dovo ni\'9e\'9aie. \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid1536249 \par \par N \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid1536249 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid1536249 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid1536249 Navrhovan\'e9 znenie nem\'e1 charakter pripomienky, ide len o\~kon\'9atatovanie.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid1536249\charrsid1536249 \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow357\irowband357\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Verejnos \'9d\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Cel\'e9mu n\'e1vrhu }{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Pripomienky Asoci\'e1cie obchodn\'edkov s cenn\'fdmi papiermi (AOCP) k N\'e1vrhu zmien z\'e1kona \'e8. 186/2009 Z.z. o finan\'e8nom sprostredkovan\'ed a finan\'e8nom poradenstve a o zmene a doplnen\'ed niektor\'fdch z\'e1 konov. V\'9aetky ni\'9e\'9aie uveden\'e9 pripomienky pova\'9eujeme za z\'e1sadn\'e9. \'c8o sa syst\'e9mu odbornej sp\'f4sobilosti finan\'e8n\'fdch agentov t\'fdka navrhujeme aplikova\'9d nasledovn\'fd syst\'e9m: Osobitn\'e9 finan\'e8n\'e9 vzdel\'e1 vanie OFV pova\'9eova\'9d za z\'e1kladny syst\'e9m \'84vstupn\'fa br\'e1nu\'93 vzdel\'e1vania. OFV zalo\'9ei\'9d na princ\'edpoch odbornosti a nez\'e1vislosti. Absolvovanie OFV by malo predstavova\'9d vstupnu br\'e1nu ktorou musi za rovnak\'fd ch podmienok prejs\'9d ka\'9ed\'fd zametnanec finan\'e8nej in\'9atit\'facie rovnako ako aj ka\'9ed\'fd VFA a PFA a to jedenkr\'e1t pri vstupe do oblasti finan\'e8n\'e9ho sprostredkovania. Cie\'beom OFV by malo by\'9d zabezpe\'e8i\'9d aby osoby vstupuj\'fa ce do finan\'e8n\'e9ho sprostredkovania dostali odborn\'e9, nestrann\'e9 a nezaujat\'e9 vzdelanie nevyhnutn\'e9 na v\'fdkon finan\'e8n\'e9ho sprostredkovania v danej oblasti finan\'e8n\'e9ho trhu. V z\'e1ujme naplnenia uveden\'fdch predpokladov pova\'9e ujeme za \'fa\'e8elne obmedzi\'9d okruh poskytovatelov OFV na osoby ktor\'e9 bud\'fa splna\'9d predpoklady odborn\'e9ho a nestrann\'e9ho vzdel\'e1vania. M\'e1me za to \'9ee s oh\'beadom na uveden\'e9 predpoklady je \'fa\'e8eln\'e9 aby v z\'e1ujme elimin \'e1cie mo\'9en\'e9ho konfliktu z\'e1ujov boli z okruhu poskytovatelov OFV vy\'f2ate finan\'e8n\'e9 in\'9atit\'facie. Rovnako ako je tomu v pr\'edpade odborn\'fdch sk\'fa\'9aok. Vzdel\'e1vanie vlastn\'fdch zamestnancov priamo finan\'e8n\'fdmi in\'9atit \'faciami je samozrejme mo\'9en\'e9 a nanajvy\'9a vhodn\'e9 av\'9aak ako nadstavba nad OFV. Absolvovanie OFV by malo by\'9d vy\'9e\'e1dovan\'e9 v\'fdlu\'e8ne pri vstupe do syst\'e9mu a to syst\'e9mom jeden kr\'e1t bez nutnosti jeho opakovania. Syst\'e9 m odborn\'fdch sk\'fa\'9aok ktor\'e9 su aplikovan\'e9 v s\'fa\'e8asnosti ako s\'fa\'e8as\'9d odbornej sp\'f4sobilosti by mali zabezpe\'e8i\'9d aktualiz\'e1ciu vedomosti t\'fdkaj\'facich sa najm\'e4 neust\'e1le sa meniacej legislat\'edvy finan\'e8n\'e9 ho trhu ako aj \'efal\'9a\'edch znalosti meniacich sa podmienok na finan\'e8nom trhu. V tejto s\'favislosti pova\'9eujeme s\'fa\'e8asnu periodicitu v\'fdkonu sk\'fa\'9aok v 4- ro\'e8nej lehote za dostato\'e8n\'fa a primeran\'fa. \'cfal\'9aie n\'e1 stroje dopl\'f2ania odborn\'e9ho celo\'9eivotn\'e9ho profesn\'e9ho vzdel\'e1vania je potrebn\'e9 vn\'edma\'9d ako nadstavbu z\'e1kladneho syst\'e9mu ktor\'fdm je OFV a odborne sk\'fa\'9aky. T\'fato nadstavbu nad z\'e1kladn\'fd syst\'e9m je potrebn\'e9 ponecha\'9d otvoren\'fa \'e8o naj\'9a\'edr\'9aiemu spektru mo\'9enosti a subjektov vr\'e1tane nevyhnutnej particip\'e1cie finan\'e8n\'fdch in\'9atit\'facii a to bez nutnosti \'efal\'9aej regul\'e1cie. Zhrnutie: OFV zalo\'9ei\'9d na obdobnom princ\'ed pe ako dnes funguje syst\'e9m odborn\'fdch sk\'fa\'9aok s t\'fdm rozdielom \'9ee OFV bude potrebne absolvova\'9d jeden kr\'e1t pri vstupe do syst\'e9mu (prv\'fd z\'e1pis do registra). Odborne sk\'fa\'9aky ponecha\'9d v aktu\'e1lnom re\'9eime. 1) k \'e8 l. I bod 50 navrhujeme zavies\'9d rovnak\'e9 podmienky odbornej sp\'f4sobilosti pre VFA a PFA Od\'f4vodnenie: Tento n\'e1vrh nepodporuje rovnos\'9d podmienok a hospod\'e1rsku s\'fa\'9da\'9e sprostredkovate\'beov. Nevid\'edme \'9eiaden d\'f4 vod, aby VFA mal in\'e9 odborn\'e9 sp\'f4sobilosti ako PFA (stredn\'fd stupe\'f2 odbornej sp\'f4sobilosti a vykonan\'e1 sk\'fa\'9aka). T\'fato pripomienku pova\'9eujeme za z\'e1sadn\'fa. 2) k \'e8l. I bod. 57 navrhujeme zavies\'9d absolvovanie len jedneho /prv\'e9ho OFV na \'favod pri prvom zapise do registra, pri zachovan\'ed s\'fa\'e8asn\'e9ho syst\'e9mu v\'fdkonu odborn\'fdch sk\'fa\'9aok bez zmien. Z\'e1rove\'f2 modifikova\'9d sku\'9aobne ot\'e1 zky aby reflektovali jednak znalosti z oblasti legislat\'edvy finan\'e8n\'e9ho trhu ako aj vedomosti zo znalosti fungovania finan\'e8n\'e9ho trhu v danom sektore v\'fdkonu odbornej sk\'fa\'9aky. V bode 57. n\'e1vrhu novely v \'a7 22 ods. 2 navrhujem upravi\'9d pre ka\'9ed\'fd stupe\'f2: \'84Fyzick\'e1 osoba, ktor\'e1 mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky pre \'84ka\'9ed\'fd stupe\'f2\'93 stupe\'f2 odbornej sp\'f4sobilosti, je povinn\'e1 absolvova\'9d osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie v pr\'edslu\'9anom sektore pre prv\'fdm z\'e1pisom do pr\'edslu\'9aneho registra. Fyzick\'e1 osoba je povinn\'e1 \'faspe\'9ane vykona\'9d odbornu sk\'fa\'9aku najmenej raz za 4 roky. \'93 Od\'f4vodnenie: Vid. V\'9aeobecne zd\'f4 vodnenie navrhu vy\'9a\'9aie. T\'fato pripomienku pova\'9eujeme za z\'e1sadn\'fa. 3) k \'e8l. I bod. 61 navrhujem aby \'9eiadna in\'9atit\'facia nemohla robi\'9d OFV svojim vlastn\'fdm PFA / VFA. OFV by mohla vykon\'e1va\'9d len nezavisla organiz\'e1 cia typu asoci\'e1cia, nez\'e1visla vzdel\'e1vacia in\'9atit\'facia typu IBV NBS a pod. teda organiz\'e1cia ktor\'e1 sa venuje vzdel\'e1vaniu a nie je priamo personalne alebo majetkovo prepojena s finan\'e8nou in\'9atit\'fa ciou pre zamestnancov resp. finan\'e8n\'fdch agentov sa vzdelavanie vykon\'e1va. N\'e1vrh v \'a7 22a ods. 2 p\'edsmeno a) navrhujeme vypusti\'9d ako celok P\'f4vodn\'e9 p\'edsmeno b) premenova\'9d na p\'edsmeno a) T\'fato pripomienku pova\'9eujem za z\'e1 sadn\'fa 4) k \'e8l. I bod. 61 v \'a7 22a ods. (13) p\'edsm. e) navrhujeme slovn\'e9 spojenie \'93..troch pracovn\'fdch dn\'ed\'94 nahradi\'9d slovn\'fdm spojen\'edm \'93tridsiatich dn\'ed\'94 T\'fato pripomienku pova\'9eujem za z\'e1sadn\'fa Od\'f4 vodnenie: lehotu nahlasovania v\'fdsledkov OFV v lehote do 3 pracovn\'fdch dn\'ed pova\'9eujeme za neadekv\'e1tne kr\'e1tku. Napokon v syst\'e9me odborn\'fdch sk\'fa\'9aok je obdobna povinnos\'9d organiz\'e1tora stanovena v lehote 30 dn\'ed.Navrhuje m stanovi\'9d rovnak\'fa lehotu pre OFV ako je tomu aj v pr\'edpade sk\'fa\'9aok \'e8i\'9ee 30 dn\'ed. 5) k \'e8l. I bod 65 navrhujem zru\'9ai\'9d ako celok a ponecha\'9d s\'fa\'e8asn\'e9 platn\'e9 znenie v z\'e1kone. Od\'f4vodnenie: N\'e1vrh predkladate \'bea sp\'f4sobuje v\'fdrazn\'e9 nav\'fd\'9aenie \'beudsk\'fdch kapac\'edt pre obsadenie funkci\'ed odborn\'e9ho garanta. Sme za zachovanie s\'fa\'e8asn\'e9ho stavu, jeden odborn\'fd garant pre jeden sektor bez oh\'beadu na kateg\'f3riu finan\'e8n\'e9 ho agenta a/alebo pois\'9dovacieho makl\'e9ra. T\'fato pripomienku pova\'9eujeme za z\'e1sadn\'fa. 6) k \'e8l. I bodu 68. navrhujem podrobne zv\'e1\'9ei\'9d \'e8i ide o rovnos\'9d podmienok a hospod\'e1rsku s\'fa\'9da\'9e sprostredkovate\'beov. Od\'f4 vodnenie: V \'a7 27 sa vyp\'fa\'9a\'9da odsek 3, ktorou sa navrhuje majetkov\'e9 prepojenie medzi finan\'e8n\'fdm poradcom a finan\'e8n\'fdm agentom a odstra\'f2uje sa nedostatok z aplika\'e8nej praxe pre pr\'e1vnick\'e9 osoby, av\'9aak samotn\'fd n\'e1 vrh novely zvy\'9auje pozit\'edvnu diskrimin\'e1ciu SFA \'9eivnostn\'edkov podnikaj\'face fyzick\'e9 osoby. Mysl\'edme si, \'9ee ide o d\'f4le\'9eit\'fd argument na op\'e4tovn\'e9 zv\'e1\'9eenie zru\'9a enia delenia sprostredkovania a poradenstva v sektore poistenia alebo zaistenia, nako\'beko viac ako 10 perc. akt\'edvnych SFA ( viac ako 50 subjektov ) v registri NBS podnikaj\'faci na z\'e1klade SZ\'c8O nem\'e1 pr\'e1vny z\'e1klad by\'9d zap\'edsan\'fd v oboch registroch aj pr\'edpade splnenia v\'9aetk\'fdch predp\'edsan\'fdch odborn\'fdch n\'e1le\'9eitost\'ed. T\'fato pripomienku pova\'9eujem za z\'e1sadn\'fa. 7) k \'e8l. I bod. 81 dovo\'beujem si po\'9eiada\'9d o vysvetlenie k n\'e1vrhu \'a7 32 ods. 1 a) Pre\'e8o predkladate\'be selektuje klientov a na z\'e1klade ak\'fdch sk\'fasenost\'ed alebo probl\'e9mov aplika\'e8nej praxe toto znenie navrhol ? b) Ak pre neprofesion\'e1lneho klienta je to v n\'e1vrhu nemo\'9en\'e9, na z\'e1klade ak\'e9 ho zmluvn\'e9ho vz\'9dahu by to bolo mo\'9en\'e9 pre profesion\'e1lneho klienta, pri nezmenenom znen\'ed \'a76? Od\'f4vodnenie: Z poh\'beadu aplika\'e8nej praxe je vysvetlenie d\'f4le\'9eit\'e9 pre n\'e1sledn\'fa \'e8innos\'9d ak\'e9hoko\'be vek agenta alebo sprostredkovate\'bea poistenia v prospech ochrany spotrebite\'bea. T\'fato pripomienku pova\'9eujeme za z\'e1sadn\'fa. 8) k \'e8l. I bod. 81 Dovo\'beujem si po\'9eiada\'9d a p\'edsomne dovysvetli\'9d do d\'f4vodovej spr\'e1vy predkladate \'bea, ktor\'fa v\'fd\'9aku odmeny a ktor\'fd typ sprostredkovate\'bea poistenia konkr\'e9tne m\'e1 zverejni\'9d vo\'e8i klientovi uveden\'fd \'fadaj v \'a732 ods. 2? Od\'f4vodnenie: Nejasn\'e9 v\'9aak z aplika\'e8nej praxi ost\'e1va, ktor\'fd typ sprostredkovate\'bea poistenia m\'e1 zverej\'f2ova\'9d odmenu. V s\'fa\'e8asnosti dopl\'e1caj\'fa na uveden\'e9 znenie mal\'e9, hlavne \'84jednoosobov\'e9 spolo\'e8nosti\'93 sprostredkovate\'beov vo\'e8i ve\'bek\'fdm sie\'9dam na nejasn\'fd v\'fd klad NBS z\'e1kona a pova\'9eujeme to za podstatn\'e9 pre ochranu spotrebite\'bea a definovanie porovnate\'ben\'fdch noriem v oblasti spr\'edstup\'f2ovania inform\'e1ci\'ed a zabezpe\'e8enia rovnak\'fdch podmienok medzi distrib\'fatormi. T\'fa to pripomienku pova\'9eujem za z\'e1sadn\'fa. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid1536249 \par \par \par \par \par \par \'c8A\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid1536249 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid1536249 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid1536249\charrsid11404791 Vzh\'beadom na ve\'bek\'e9 mno\'9estvo navrhovan\'fdch zmien v\~jednej pripomienke nie je mo\'9en\'e9 vyhodnocova\'9d individu\'e1lne.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid1536249 \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow358\irowband358\ltrrow\ts11\trqc\trleft-8\trbrdrt \brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Verejnos \'9d\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 N\'e1vrhu z\'e1kona, rezortn\'e9 \'e8\'ed slo: MF.013161.2017-613, v znen\'ed, ktor\'e9 bolo d\'f2a 19. j\'fana 2017 predlo\'9een\'e9 na medzirezortn\'e9 pripomienkov\'e9 konanie, ktor\'fdm sa men\'ed a dop\'e5\'f2a z\'e1kon \'e8. 186.2009 Z. z. o finan\'e8nom sprostredkovan\'ed a finan\'e8 nom poradenstve a o zmene a doplnen\'ed niektor\'fdch z\'e1konov v znen\'ed neskor\'9a\'edch predpisov, a ktor\'fdm sa dop\'e5\'f2a z\'e1kon \'e8. 39.2015 Z. z. o pois\'9dovn\'edctve a o zmene a doplnen\'ed niektor\'fdch z\'e1konov v znen\'ed neskor\'9a \'edch predpisov}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line Spolo\'e8nos\'9d HEUREKA Brokerage & Consulting, s.r.o., Karlovo n\'e1m\'ecst\'ed 290/16, 120 00 Praha 2, \'c8esk\'e1 republika, zap\'edsan\'e1 v obchodnom registri Mestsk\'e9ho s\'fadu v Prahe, Oddiel: C, Vlo\'9eka \'e8\'edslo: 107634, I\'c8O: 272 50 423 ako zria\'efovate\'be, konaj\'faca prostredn\'edctvom HEUREKA Brokerage & Consulting, s.r.o. organiza\'e8n\'e1 zlo\'9eka, so s\'eddlom M. R. \'8atef\'e1nika 66, P.O.BOX 9, 036 01 Martin, zap\'edsan\'e1 v Obchodnom registri Okresn\'e9ho s\'fadu \'8eilina, Oddiel: Po, Vlo\'9eka \'e8\'edslo: 10212/L, I\'c8O: 36 714 127 k n\'e1vrhu z\'e1kona, rezortn\'e9 \'e8\'edslo: MF/013161/2017-613, v znen\'ed , ktor\'e9 bolo d\'f2a 19. j\'fana 2017 predlo\'9een\'e9 na medzirezortn\'e9 pripomienkov\'e9 konanie (\'efalej len ako \'84n\'e1vrh z\'e1kona\'93), ktor\'fdm sa men\'ed a dop\'e5\'f2a z\'e1kon \'e8. 186/2009 Z. z. o finan\'e8nom sprostredkovan\'ed a finan\'e8nom poradenstve a o zmene a doplnen\'ed niektor\'fdch z\'e1konov v znen\'ed neskor\'9a\'edch predpisov (\'efalej len ako \'84Z\'e1kon\'93) a ktor\'fdm sa dop\'e5\'f2a z\'e1kon \'e8. 39/2015 Z. z. o pois\'9dovn\'edctve a o zmene a doplnen\'ed niektor\'fdch z\'e1konov v znen\'ed neskor\'9a\'edch predpisov t\'fdmto pod\'e1va k n\'e1vrhu z\'e1kona nasledovn\'e9 pripomienky: 1/ Najm\'e4 k bodom 15, 18, 19, 44 a 45 n\'e1vrhu z\'e1kona, ktor\'fdmi sa upravuje sa vykon\'e1vanie \'e8innosti finan\'e8 n\'e9ho sprostredkovate\'bea z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu, ktor\'e9ho domovsk\'fd \'e8lensk\'fd \'9at\'e1t nie je Slovensk\'e1 republika navrhujeme zavedenie nov\'fdch pr\'e1v a povinnost\'ed pre finan\'e8n\'e9ho sprostredkovate\'bea z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu. V bode 15. n\'e1vrhu z\'e1kona sa navrhuje doplni\'9d \'a7 6 Z\'e1kona o nov\'fd odsek 5, ktor\'fd m\'e1 znie\'9d: \'84Finan\'e8n\'e9 sprostredkovanie m\'f4\'9ee na \'fazem\'ed Slovenskej republiky vykon\'e1va\'9d aj finan\'e8 n\'fd sprostredkovate\'be z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu v sektore poskytovania \'faverov na b\'fdvanie pod\'bea \'a7 11d.\'93. Konkr\'e9tne v \'a7 11d sa zav\'e1dza nov\'e9 opr\'e1vnenie vykon\'e1vania \'e8innosti pre finan\'e8n\'e9 ho sprostredkovate\'bea z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu, a to finan\'e8n\'e9 sprostredkovanie v sektore poskytovania \'faverov na b\'fdvanie. K uveden\'e9mu doch\'e1dza prebrat\'edm \'e8l. 32 ods. 1, ods. 3 tret\'ed podoodsek, ods. 4, \'e8 l. 34 ods. 2 a 3 a \'e8l. 34 ods. 4 smernice MCD. V uvedenej s\'favislosti v\'9aak tak\'e9to roz\'9a\'edrenie opr\'e1vnenia finan\'e8n\'e9ho sprostredkovate\'bea z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu vykon\'e1va\'9d \'e8innos\'9d v Slovenskej republike pova\'9eujeme za nedosta\'e8uj\'face a neefekt\'edvne a navrhujeme, aby bolo finan\'e8n\'e9mu sprostredkovate\'beovi z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu za Z\'e1konom regulovan\'fdch podmienok umo\'9enen\'e9 priamo v zmysle Z \'e1kona vykon\'e1va\'9d v Slovenskej republike \'e8innos\'9d vo v\'9aetk\'fdch sektoroch definovan\'fdch v \'a7 4 p\'edsm. a) Z\'e1kona, t.j. v sektore 1. poistenia alebo zaistenia, (pozn. je mo\'9en\'e9) 2. kapit\'e1lov\'e9ho trhu, 3. doplnkov\'e9ho d \'f4chodkov\'e9ho sporenia, 4. prij\'edmania vkladov, 5. poskytovania \'faverov, (pozn. v zmysle n\'e1vrhu z\'e1kona sa navrhuje doplni\'9d \'84\'faverov na b\'fdvanie\'93, \'e8o bude mo\'9en\'e9) a spotrebite\'besk\'fdch \'faverov, 6. starobn\'e9ho d\'f4 chodkov\'e9ho sporenia. V zmysle z\'e1sady vo\'ben\'e9ho pohybu tovaru, slu\'9eieb, os\'f4b a kapit\'e1lu ako z\'e1kladnej z\'e1sady Eur\'f3pskej \'fanie je potrebn\'e9 a pre slovensk\'fd trh tie\'9e efekt\'edvne a prospe\'9an\'e9, aby za pr\'edslu\'9a nej a primeranej regul\'e1cie bolo zahrani\'e8n\'fdm osob\'e1m so s\'eddlom v inom \'e8lenskom \'9at\'e1te ako je Slovensk\'e1 republika, ktor\'e9 riadne z\'edskali opr\'e1vnenie na v\'fdkon dan\'fdch \'e8innost\'ed vo svojom domovskom \'9at\'e1te, umo \'9enen\'e9 t\'fato \'e8innos\'9d vykon\'e1va\'9d aj v Slovenskej republike ako \'e8lenskom \'9at\'e1te Eur\'f3pskej \'fanie, a samozrejme t\'fato \'e8innos\'9d pr\'edslu\'9an\'fdm a primeran\'fdm sp\'f4sobom regulova\'9d. Obmedzenie pre finan\'e8n\'e9 ho sprostredkovate\'bea z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu poskytova\'9d svoje slu\'9eby v Slovenskej republike len v niektor\'fdch sektoroch je diskrimina\'e8n\'e9 a predstavuje neprimeran\'e9 a ned\'f4vodn\'e9 obmedzenie slobody podnikania a poru \'9aenie vo\'ben\'e9ho pohybu slu\'9eieb v r\'e1mci Eur\'f3pskej \'fanie, a t\'fdm aj poru\'9aenie pr\'e1va a z\'e1kladn\'fdch princ\'edpov Eur\'f3pske \'fanie ako tak\'fdch. Za \'fa\'e8elom odstr\'e1nenia tak\'fdchto poru\'9aen\'ed, diskrimin\'e1 cie a neprimeran\'fdch a ned\'f4vodn\'fdch obmedzen\'ed je nevyhnutn\'e9, aby bola prijat\'e1 komplexn\'e1 pr\'e1vna \'faprava, na ktorej z\'e1klade bude zaisten\'e1 sloboda podnikania (v danom pr\'edpade poskytovanie finan\'e8n\'fdch slu\'9eieb \endash finan\'e8n\'e9ho sprostredkovania vo v\'9aetk\'fdch sektoroch finan\'e8n\'e9ho trhu) zahrani\'e8n\'fdch subjektov v oblasti finan\'e8n\'fdch slu\'9eieb v Slovenskej republike. T\'fdmto d\'f4jde k zrovnopr\'e1vneniu zahrani\'e8n\'fdch subjektov (z in\'e9 ho \'e8lensk\'e9ho \'9at\'e1tu) a slovensk\'fdch subjektov finan\'e8n\'e9ho trhu pri poskytovan\'ed svojich slu\'9eieb v oblasti finan\'e8n\'e9ho sprostredkovania v Slovenskej republike. Aj napriek tomu, \'9ee cie\'beom novely Z\'e1kona m\'e1 by\'9d prebratie \'e8asti eur\'f3pskej smernice do slovensk\'e9ho pr\'e1vneho poriadku, jej aktu\'e1lne znenie pova\'9eujeme za plne nedosta\'e8uj\'face. Je d\'f4le\'9eit\'e9, aby e\'9ate v procese prij\'edmania vn\'fatro\'9at\'e1tnych pr\'e1 vnych predpisov bol zabezpe\'e8ovan\'fd pln\'fd s\'falad t\'fdchto predpisov s pr\'e1vom Eur\'f3pskej \'fanie. \'c8lensk\'fd \'9at\'e1t sa t\'fdmto vyhne opatreniam zo strany pr\'edslu\'9an\'fdch in\'9atit\'faci\'ed E\'da, ktor\'e9 s\'fa d\'f4sledkom poru \'9aenia komunit\'e1rneho pr\'e1va. Navrhujeme preto, aby sa n\'e1vrhom z\'e1kona umo\'9enilo vykon\'e1va\'9d finan\'e8n\'e9mu sprostredkovate\'beovi z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu za regulovan\'fdch podmienok priamo v zmysle Z\'e1ko na, v Slovenskej republike \'e8innos\'9d vo v\'9aetk\'fdch sektoroch definovan\'fdch v \'a7 4 p\'edsm. a) Z\'e1kona. Tak\'e1to pr\'e1vna \'faprava m\'f4\'9ee pozit\'edvne ovplyvni\'9d finan\'e8n\'fd trh, hospod\'e1rsku s\'fa\'9da\'9e a podnikate\'besk\'e9 prostredie v Slovenskej republike. 2/ \'c8o sa t\'fdka finan\'e8n\'e9ho sprostredkovate\'bea z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu, vykon\'e1vaj\'faceho svoju \'e8innos\'9d v Slovenskej republike, pova\'9eujeme za v\'fdznamn\'e9 v tomto smere z\'e1 konom upravi\'9d a regulova\'9d mo\'9enos\'9d t\'fdchto subjektov, ktor\'e9 s\'fa riadne opr\'e1vnen\'e9 na v\'fdkon finan\'e8n\'e9ho sprostredkovania (pozn.: v zmysle n\'e1vrhu z\'e1kona aj finan\'e8n\'e9ho poradenstva) v Slovenskej republike, vykon\'e1 va\'9d t\'fato \'e8innos\'9d prostredn\'edctvom, resp. na z\'e1klade zmluvn\'e9ho vz\'9dahu s in\'fdm subjektom, ktor\'fd by t\'fato \'e8innos\'9d pre finan\'e8n\'e9ho sprostredkovate\'bea z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu vykon\'e1val za dohodnut \'fdch podmienok. Malo by sa pritom jedna\'9d o ak\'fasi obdobu vz\'9dahu samostatn\'fd finan\'e8n\'fd agent a podriaden\'fd finan\'e8n\'fd agent, ktor\'fd vykon\'e1va finan\'e8n\'e9 sprostredkovanie na z\'e1klade p\'edsomnej zmluvy so samostatn\'fd m finan\'e8n\'fdm agentom. S\'fa\'e8asn\'e9 znenie Z\'e1kona neumo\'9e\'f2uje finan\'e8n\'e9mu sprostredkovate\'beovi z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu vykon\'e1va\'9d finan\'e8n\'e9 sprostredkovanie obdobn\'fdm sp\'f4sobom, \'e8o predstavuje ur\'e8 it\'e9 znev\'fdhodnenie a s\'9da\'9eenie jeho postavenia vo vz\'9dahu k samostatn\'e9mu finan\'e8n\'e9mu agentovi, resp. in\'fdm subjektom poskytuj\'facim finan\'e8n\'e9 slu\'9eby. Preto navrhujeme, aby bola n\'e1vrhom z\'e1kona tie\'9e zaveden\'e1 a regulovan\'e1 celkom nov\'e1 a samostatn\'e1 kateg\'f3ria subjektov finan\'e8n\'e9ho trhu a vyrie\'9aen\'e9 a upraven\'e9 ich postavenie, napr. ak\'fdsi podriaden\'fd finan\'e8n\'fd sprostredkovate\'be, ktor\'e9 by mohli v Slovenskej republike vykon \'e1va\'9d finan\'e8n\'e9 sprostredkovanie na z\'e1klade zmluvy s finan\'e8n\'fdm sprostredkovate\'beom z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu. Zavedenie tejto osobitnej kateg\'f3rie subjektov vykon\'e1vaj\'facich finan\'e8n\'e9 sprostredkovanie v Slovenskej republike by zlep\'9ailo, resp. by vyv\'e1\'9eilo postavenie finan\'e8n\'e9ho sprostredkovate\'bea z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu vo vz\'9dahu k ostatn\'fdm subjektom vykon\'e1vaj\'facim finan\'e8n\'e9 sprostredkovanie v Slovenskej republike, \'e8o by znamenalo \'efal\'9aie zefekt\'edvnenie trhu finan\'e8n\'fdch slu\'9eieb v oblasti finan\'e8n\'e9ho sprostredkovania a finan\'e8n\'e9ho poradenstva. Samozrejme i tieto subjekty - \'84podriaden\'ed finan \'e8n\'ed sprostredkovatelia\'93 by museli sp\'e5\'f2a\'9d ur\'e8it\'e9 z\'e1konn\'e9 po\'9eiadavky (podmienky) na odbornos\'9d, d\'f4veryhodnos\'9d, bez\'fahonnos\'9d a organiz\'e1ciu a pod. V zmysle vy\'9a\'9aie uveden\'e9ho navrhujeme, aby bola prijat \'e1 komplexn\'e1 \'faprava pr\'e1vnych predpisov v danej oblasti a aby boli prijat\'e9 tak\'e9 rie\'9aenia, ktor\'e9 s\'fa v s\'fa\'e8asnej praxi nevyhnutn\'e9 pre zefekt\'edvnenie slu\'9eieb na finan\'e8nom trhu. Ak sa d\'f4vodov\'e1 spr\'e1va odvol\'e1 va, \'9ee jedn\'fdm z cie\'beov n\'e1vrhu z\'e1kona je rie\'9aenie podnetov z aplika\'e8nej praxe, je potrebn\'e9 zoh\'beadni\'9d a prija\'9d opatrenia v zmysle vy\'9a\'9aie uveden\'fdch n\'e1vrhov, za \'fa\'e8elom skuto\'e8n\'e9ho zlep\'9aenia podnikate \'besk\'e9ho prostredia v danej oblasti. Preto navrhujeme zaradenie a doplnenie \'fapravy a regul\'e1cie vy\'9a\'9aie navrhovan\'fdch bodov priamo do tohto n\'e1vrhu z\'e1kona. Vy\'9a\'9aie na\'e8rtnut\'e9 ot\'e1zky obsiahnut\'e9 vo vznesen\'fd ch pripomienkach doposia\'be neboli predmetom rie\'9aenia na trhu poskytovania finan\'e8n\'fdch slu\'9eieb v Slovenskej republike, napriek tomu, \'9ee ich zavedenie do pr\'e1vnej \'fapravy m\'f4\'9ee v\'fdrazne napom\'f4c\'9d \'efal\'9a iemu rozvoju subjektov finan\'e8n\'e9ho trhu, a to ako po str\'e1nke kvalitat\'edvnej tak i str\'e1nke kvantitat\'edvnej. \cell }\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14894370 \par \par \par \'c8A\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid14894370 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14894370\charrsid11404791 Vzh\'beadom na ve\'bek\'e9 mno\'9estvo navrhovan\'fdch zmien v\~jednej pripomienke nie je mo\'9en\'e9 vyhodnocova\'9d individu\'e1lne.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14894370 \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow359\irowband359\ltrrow\ts11\trqc\trleft-8\trbrdrt \brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 Verejnos \'9d\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 cel\'e9mu n\'e1vrhu zmien za \'e8lenov AFISP}{\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 \line V\'9aeobecn\'e1 pripomienka AFISP: N\'e1vrh zmien z\'e1kona \'e8. 186/2009 Z.z. o finan\'e8nom sprostredkovan\'ed a finan\'e8nom poradenstve a o zmene a doplnen\'ed niektor\'fdch z\'e1konov nedostato \'e8ne zapracoval k\'be\'fa\'e8ov\'fa po\'9eiadavku Smernice o distrib\'facii poistenia na to, aby klientovi bol bez oh\'beadu na to, ktor\'fd distribu\'e8n\'fd kan\'e1l sa rozhodne vyu\'9ei\'9d, poskytnut\'fd rovnak\'fd rozsah inform\'e1ci\'ed o finan \'e8nom produkte resp. by boli jeho po\'9eiadavky a potreby posudzovan\'e9 rovnako. N\'e1vrh zmien tie\'9e v\'fdrazne, neprimerane a neod\'f4vodnene zvy\'9auje administrat\'edvne za\'9da\'9eenie samostatn\'fdch finan\'e8n\'fdch agentov a podriaden\'fd ch finan\'e8n\'fdch agentov na \'fakor pracovn\'edkov finan\'e8n\'fdch in\'9atit\'faci\'ed a viazan\'fdch finan\'e8n\'fdch agentov, u ktor\'fdch je toto za\'9da\'9eenie bez oh\'beadu na to, \'9ee vykon\'e1vaj\'fa obdobn\'fa \'e8innos\'9d, r\'e1dovo ni\'9e \'9aie. Z uveden\'fdch d\'f4vodov predklad\'e1me v\'9aetky pripomienky ako z\'e1sadn\'e9: 1. \'a7 1 ods. 2 p\'edsm. a) navrhujeme zru\'9ai\'9d. Za finan\'e8n\'fa in\'9atit\'faciu vykon\'e1vaj\'fa \'e8innos\'9d (okrem zamestnancov len) jej VFA alebo VIA, tak\'9ee tento paragraf je mo\'9en\'e9 vyklada\'9d aj tak, \'9ee t\'edto viazan\'ed agenti nie s\'fa predmetom \'fapravy n\'e1vrhu zmien z\'e1kona. 2. K \'a7 1 ods. 2 p\'edsm. b) - ustanovenie je pr\'edli\'9a neur\'e8it\'e9, formul\'e1cia \'84\'9eiadne \'efal\'9aie kroky k uzavretiu zmluvy o poskytnut\'ed finan\'e8nej slu\'9eby\'93 je nejednozna\'e8n\'e1. 3. k \'a7 1 ods. 3 p\'edsm. b) \endash n\'e1vrh znenia je nejednozna\'e8n\'fd \endash nie je zrejm\'e9 , na ak\'e9 poistenie sa vz\'9dahuje v\'fdluka, s\'fa\'e8asne nepova\'9eujeme za \'9a\'9dastn\'fa formul\'e1ciu, \'9ee sa z\'e1kon nevz\'9dahuje na sprostredkovate\'bea doplnkov\'e9ho poistenia za splnenia ur\'e8it\'fdch podmienok, preto\'9ee sa na neho z \'e1kon v skuto\'e8nosti vz\'9dahuje v\'9edy (napr. povinnos\'9d sp\'e5\'f2a\'9d podmienky odbornej sp\'f4sobilosti, by\'9d registrovan\'fd...), bolo by lep\'9aie vyl\'fa\'e8i\'9d platnos\'9d konkr\'e9tnych ustanoven\'ed v pr\'edpade splnenia ni\'9e\'9a ie uveden\'fdch podmienok Navrhujeme zmeni\'9d nasledovne: V \'a7 1 ods. 3 p\'edsm. b) navrhujeme znenie: b) sprostredkovate\'bea doplnkov\'e9ho poistenia, ak s\'fa s\'fa\'e8asne splnen\'e9 tieto podmienky: 1. poistenie je doplnkom tovaru alebo slu\'9e by dodanej poskytovate\'beom, ak tak\'e9to poistenie kryje 1a. riziko poruchy, straty alebo po\'9akodenia tovaru, alebo nevyu\'9eitia slu\'9eby poskytnutej t\'fdmto poskytovate\'beom YY, alebo 1b. po\'9akodenie alebo stratu bato\'9einy a in\'e9 rizik\'e1 spojen\'e9 s cestovan\'edm objednan\'fdm u tohto poskytovate\'bea 2. v\'fd\'9aka poistn\'e9ho zaplaten\'e9ho za poistn\'fd produkt nepresahuje 600 EUR vypo\'e8\'edtan\'fdch pomerne z ro\'e8n\'e9ho z\'e1 kladu, 3. odchylne od bodu 2, ak poistenie je doplnkov\'e9 k slu\'9ebe uvedenej v bode 1 a trvanie tejto slu\'9eby nepresahuje tri mesiace, zaplaten\'e9 poistn\'e9 na osobu nepresahuje 200 EUR. V tomto pr\'edpade sprostredkovate\'be doplnkov\'e9ho pois tenia nie je povinn\'fd sp\'e5\'f2a\'9d \'9eiadne \'efal\'9aie povinnosti vypl\'fdvaj\'face z tohto z\'e1kona, s v\'fdnimkou z\'e1pisu do registra a informa\'e8n\'fdch povinnost\'ed v zmysle ust. \'a7 31 a\'9e \'a7 37c tohto z\'e1kona.\'93 Pozn\'e1 mka pod \'e8iarou k odkazu yy znie: yy) najm\'e4 poistn\'e9 produkty v zmysle Pr\'edloha \'e8. 1 \'e8as\'9d A bod 3, bod 7, bod 10 p\'edsm. a), bod 14 p\'edsm. b) a c), bod 17 a bod 18) k z\'e1konu \'e8. 39/2015 Z.z. Od\'f4vodnenie: z navrhovan\'e9 ho znenia novely pod\'bea n\'e1\'9aho n\'e1zoru vypl\'fdva, \'9ee sprostredkovate\'be doplnkov\'e9ho poistenia bude povinn\'fd sp\'e5\'f2a\'9d podmienky pre v\'fdkon finan\'e8n\'e9ho sprostredkovania (v zmysle \'a7 11c ods. 2 a 3) bez oh\'beadu na to, \'e8i bude poskytova\'9d poistenie v zmysle navrhovan\'e9ho znenia \'a7 1 ods. 3 p\'edsm. b) alebo nie. Ustanovenia bodu 1a. navrhujeme z d\'f4vodu pr\'e1vnej neistoty previaza\'9d s konkr\'e9tnymi poistn\'fdmi produktami v zmysle pr\'edlohy \'e8. 1 k z \'e1kona \'e8. 39/2015 Z.z. o pois\'9dovn\'edctve a o zmene a doplnen\'ed niektor\'fdch z\'e1konov v znen\'ed neskor\'9a\'edch predpisov. \'da\'e8elom zavedenia in\'9atit\'fatu sprostredkovate\'bea doplnkov\'e9ho poistenia mal by\'9d, \'9ee tak\'fd to subjekt bude povinn\'fd poskytova\'9d klientovi rozsah inform\'e1ci\'ed pri poskytovan\'ed poistenia, ktor\'fd bude porovnate\'ben\'fd s in\'fdmi distribu\'e8n\'fdmi kan\'e1lmi, bude v\'9aak z\'e1rove\'f2 osloboden\'fd od niektor\'fdch administrat\'ed vnych povinnost\'ed a nebude musie\'9d sp\'e5\'f2a\'9d niektor\'e9 z\'e1konn\'e9 povinnosti a p\'f4jde celkovo o zjednodu\'9aen\'fd v\'fdkon finan\'e8n\'e9ho sprostredkovania. Navrhovan\'e1 pr\'e1vna \'faprava sprostredkovate\'bea doplnkov\'e9 ho poistenia str\'e1ca z\'e1kladn\'fd zmysel a \'fa\'e8el prijatia pr\'e1vnej \'fapravy sprostredkovate\'bea doplnkov\'e9ho poistenia a tak\'e1to transpoz\'edcia nesleduje \'fa\'e8el sledovan\'fd Smernicou o distrib\'facii poistenia. 4. k \'a74 p\'ed sm. m) \endash (a v niektor\'fdch \'efal\'9a\'edch ustanoveniach) sa pou\'9e\'edva pojem \'84distrib\'facia\'93, ktor\'fd nie je z\'e1konom definovan\'fd. Pova\'9eujem za d\'f4le\'9eit\'e9 doplni\'9d defin\'edciu distrib\'facia/distribu\'e8n\'fd kan\'e1 l do ust. \'a7 4. Z\'e1rove\'f2 po\'9eadujeme zrovnopr\'e1vni\'9d online distribu\'e8n\'e9 kan\'e1ly s ostatn\'fdmi tak, ako to vy\'9eaduje smernica. 5. k \'a7 4 p\'edsm. s) \endash z navrhovanej text\'e1cie nie je zrejm\'e9, ktor\'e9 produkty s\'fa investi\'e8n\'fdmi produktami zalo\'9een\'fdmi na poisten\'ed, rovnako nie je mo\'9en\'e9 jednozna\'e8ne ur\'e8i\'9d, \'e8i pravidl\'e1 platia pre zmluvu, ktor\'e1 obsahuje investi\'e8n\'fa zlo\'9eku, ako celok, alebo len pre \'e8as\'9d invest\'edci\'ed (nie pre pripoistenia). Navrhujeme doplni\'9d odkaz na pr\'edlohu, ktor\'e1 tento druh produktov vymedz\'ed. 6. k \'a7 11 c) \endash na sprostredkovate\'bea doplnkov\'e9ho poistenia sa vz\'9dahuj\'fa r\'f4zne povinnosti pod\'bea toho, \'e8 i je registrovan\'fd pre samostatn\'e9ho finan\'e8n\'e9ho agenta, alebo pre finan\'e8n\'fa in\'9atit\'faciu \endash poru\'9aenia z\'e1sady \'84level playing field\'93. 7. k \'a7 11c ods. 1 bod 3. je zrejme nespr\'e1vne op\'edsan\'fd zo smernice, obsahuje dvojn\'e1sobne negat\'edvne vymedzenie, okrem toho \'84liability risks\'93 (\'e8o s\'fa rizik\'e1 zo zodpovednosti) je nespr\'e1vne uveden\'e9 v preklade ako \'84rizik\'e1 vypl\'fdvaj\'face z hmotnej zodpovednosti\'93. 8. \'da prava pr\'e1vneho postavenia sprostredkovate\'bea doplnkov\'e9ho poistenia je nedotiahnut\'e1, v \'a7 1 ods. 3 z\'e1kon hovor\'ed, \'9ee na sprostredkovate\'bea doplnkov\'e9ho poistenia sa tento z\'e1kon nevz\'9dahuje, v \'a7 11c obsahuje n\'e1vrh \'fa pravu, ktor\'e1 sa na sprostredkovate\'bea doplnkov\'e9ho poistenia vz\'9dahuje...nie je zrejm\'e9, ak\'e1 je predstava z\'e1konodarcu oh\'beadne pr\'e1vneho postavenia tohto sprostredkovate\'bea; z\'e1 konodarca by mal jeho povinnosti aj charakteristiku upravi\'9d tak, aby bola jednozna\'e8n\'e1 \endash je potrebn\'e9 zos\'faladi\'9d defin\'edciu doplnkov\'e9ho poistenia v \'a7 1 ods. 3 s defin\'edciou sprostredkovate\'bea doplnkov\'e9ho poistenia v \'a7 11c; predpoklad\'e1me, \'9ee na sprostredkovate\'bea DP ako tak\'e9ho sa niektor\'e9 povinnosti z\'e1kona vz\'9dahuj\'fa (napr. povinnos\'9d registr\'e1cie) \endash tie je potrebn\'e9 vymenova\'9d a niektor\'e9 nevz\'9dahuj\'fa \endash tie je nutn \'e9 negat\'edvne vymedzi\'9d (ro\'e8n\'fd rozsah vzdel\'e1vania a pod.) 9. K \'a711d \endash \'faprava pr\'e1vneho postavenia a povinnost\'ed sprostredkovate\'bea z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu v sektore poskytovania \'faverov na b\'fd vanie je nejednozna\'e8n\'e1 a nedotiahnut\'e1. Odkazuje vo v\'9aeobecnosti na pr\'e1vnu \'fapravu sprostredkovate\'bea z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu v sektore poistenia, ktor\'e1 sa m\'e1 aplikova\'9d \'84primerane\'93. Zo sk\'fasenost\'ed je zrejm\'e9, \'9ee tak\'e9to formul\'e1cie umo\'9e\'f2uj\'face r\'f4zne v\'fdklady sp\'f4sobuj\'fa v praxi mno\'9estvo probl\'e9mov. Pod\'bea navrhnutej \'fapravy m\'f4\'9eu pre sprostredkovate\'bea z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu plati\'9d in \'e9 pravidl\'e1, ako pre \'84dom\'e1ceho\'93 sprostredkovate\'bea, ke\'ef\'9ee odkazuj\'fa na podmienky \'84domovsk\'e9ho \'9at\'e1tu\'93. V defin\'edcii sa hovor\'ed o sektore \'faverov na b\'fdvanie, ktor\'fd n\'e1\'9a z\'e1kon nepozn\'e1 (pozn\'e1 \'84sektor poskytovania \'faverov, \'faverov na b\'fdvanie a spotrebite\'besk\'fdch \'faverov\'93). M\'e1me za to, \'9ee s pr\'e1vnou \'fapravou tejto kateg\'f3rie sprostredkovate\'beov je potrebn\'e9 sa hlb\'9aie zaobera\'9d a jej pr\'e1vnu \'fa pravu precizova\'9d tak, aby z nej bolo \'faplne zrejm\'e9, ktor\'e9 ustanovenia a v akom rozsahu sa na tak\'e9hoto sprostredkovate\'bea vz\'9dahuj\'fa. 10. k \'a7 16 ods. 3) \endash doplnenie povinnost\'ed pre navrhovate\'bea o povinnos\'9d zru\'9a enia registr\'e1cie VFA, PFA a VIA v pr\'edpade, \'9ee prestal sp\'e5\'f2a\'9d po\'9eiadavky na odborn\'fa sp\'f4sobilos\'9d (ok), d\'f4veryhodnos\'9d \endash nerealizovate\'ben\'e9, nie sme schopn\'ed v re\'e1lnom \'e8ase sa dozvedie\'9d o v\'9aetk\'fd ch okolnostiach maj\'facich vplyv na d\'f4veryhodnos\'9d osoby v zmysle z\'e1kona) + \'84opakovan\'e9 z\'e1va\'9en\'e9 poru\'9aenie ustanoven\'ed tohto z\'e1kona\'93 \endash pr\'edli\'9a \'9airok\'e1 auton\'f3mia pri v\'fd klade pojmu, uprednostnili by sme vymenovanie konkr\'e9tnych ustanoven\'ed z\'e1kona (pr\'edpadne povinnost\'ed), ktor\'fdch poru\'9aenie m\'e1 ma\'9d za n\'e1sledok vznik povinnosti navrhovate\'bea navrhn\'fa\'9d zru\'9aenie z\'e1pisu v registri 11. k \'a7 17 ods. 6 \endash zm\'e4to\'e8n\'e9 ustanovenie, t\'fdkaj\'face sa zverej\'f2ovan\'fdch \'fadajov PFA 12. k \'a718 ods. 2 p\'edsm. d) \endash navrhovan\'e9 ustanovenie je \'9atylisticky nespr\'e1vne a gramaticky ned\'e1va zmysel 13. k \'a7 21 \endash odborn\'e1 sp\'f4sobilos\'9d \endash z\'e1kladn\'fd stupe\'f2 odbornej sp\'f4sobilosti stratil vzh\'beadom na zmenu filozofie svoje opodstatnenie \endash ak nem\'e1 \'eds\'9d o mo\'9enos\'9d pre v\'9aetk\'fdch za\'e8\'ednaj\'fa cich sprostredkovate\'beov, str\'e1ca v\'fdznam; nie je zrejm\'e9, pre\'e8o sa z\'e1konodarca d\'edva r\'f4znou optikou na zamestnancov finan\'e8n\'fdch in\'9atit\'faci\'ed a najm\'e4 VFA na jednej strane a na PFA na strane druhej. Predpoklad je, \'9e e odborn\'e1 \'farove\'f2 distrib\'fatorov poistenia m\'e1 by\'9d rovnak\'e1 bez oh\'beadu na to, o ktor\'fd kan\'e1l distrib\'facie ide; je to z\'e1kladn\'fd predpoklad vypl\'fdvaj\'faci z IDD, ktorej cie\'beom je zjednotenie distribu\'e8n\'fdch kan\'e1 lov a n\'e1rokov na ne tak, aby pre klienta nebola poskytovan\'e1 r\'f4zna \'farove\'f2 slu\'9eby pod\'bea povahy distrib\'fatora; navrhovan\'e1 filozofia z\'e1kona, kedy odborn\'e1 sp\'f4sobilos\'9d zamestnancov finan\'e8n\'fdch in\'9atit\'faci\'ed a ich viazan\'fdch agentov sta\'e8\'ed na \'farovni z\'e1kladn\'e9ho stup\'f2a a pre podriaden\'fdch agentov je potrebn\'fd stredn\'fd stupe\'f2 je v rozpore s filozofiou IDD, ako ju ch\'e1peme my (v bode 7 \'favodn\'fdch ustanoven\'ed smernice IDD sa hovor\'ed, \'9ee pois\'9dovne by mali by\'9d zahrnut\'e9 do rozsahu p\'f4sobnosti smernice na podobnom z\'e1klade ako sprostredkovatelia poistenia a makl\'e9ri; v bode 16 \'favodn\'fdch ustanoven\'ed sa \'efalej p\'ed\'9ae, \'9ee \'84T \'e1to smernica by mala podporova\'9d rovnos\'9d podmienok a hospod\'e1rsku s\'fa\'9da\'9e sprostredkovate\'beov za rovnak\'fdch podmienok bez oh\'beadu na to, \'e8i s\'fa, alebo nie s\'fa viazan\'ed na pois\'9dov\'f2u; nie je zrejm\'fd d\'f4vod, pre ktor \'fd bol pre odborn\'e9ho garanta finan\'e8nej in\'9atit\'facie stanoven\'fd ako povinn\'fd stredn\'fd stupe\'f2 odbornej sp\'f4sobilosti. Navrhujeme bu\'ef z\'e1kladn\'fd stupe\'f2 \'faplne zru\'9ai\'9d, alebo po\'9eadujeme, aby ho mal len ten, kto je zap\'edsan\'fd len v jednom sektore (bez oh\'beadu na zoznam, v ktorom je). V teraj\'9a\'edch podmienkach m\'f4\'9ee jeden \'e8lovek by\'9d z\'e1rove\'f2 zamestnanec banky, VFA pois\'9dovne aj VFA Asset managementu = a st\'e1 le m\'e1 z\'e1kladn\'fd stupe\'f2 bez sk\'fa\'9aky (a moment\'e1lne po 5 hod\'edn OFV v ka\'9edom sektore), \'e8o rozhodne nie je ani spravodliv\'e9 ani v s\'falade s tzv. equal level playing field. Ak m\'e1 by\'9d z\'e1kladn\'fd stupe\'f2 ponechan\'fd pre v\'9aetky p\'f4vodn\'e9 subjekty, mal by z\'e1rove\'f2 ma\'9d predp\'edsan\'fa povinnos\'9d vykona\'9d odborn\'fa sk\'fa\'9aku rovnako ako ostatn\'e9 stupne. \'cfal\'9aou alternat\'edvou je tak\'e9to rie\'9aenie: \'84(9) Ka\'9ed\'fd zamestnanec a ka \'9ed\'fd \'e8len \'9atatut\'e1rneho org\'e1nu viazan\'e9ho finan\'e8n\'e9ho agenta, podriaden\'e9ho finan\'e8n\'e9ho agenta a viazan\'e9ho investi\'e8n\'e9ho agenta vykon\'e1vaj\'faci \'e8innos\'9d, ktorej obsahom je finan\'e8n\'e9 sprostredkovanie, mus \'ed sp\'e5\'f2a\'9d po\'9eiadavky pre z\'e1kladn\'fd stupe\'f2 odbornej sp\'f4sobilosti. Ka\'9ed\'fd zamestnanec a ka\'9ed\'fd \'e8len \'9atatut\'e1rneho org\'e1nu podriaden\'e9ho finan\'e8n\'e9ho agenta, viazan\'e9ho finan\'e8n\'e9ho agenta a viazan\'e9 ho investi\'e8n\'e9ho agenta vykon\'e1vaj\'faci \'e8innos\'9d, ktorej obsahom je finan\'e8n\'e9 sprostredkovanie, mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky pre stredn\'fd stupe\'f2 odbornej sp\'f4sobilosti. Ka\'9ed\'fd zamestnanec a ka\'9ed\'fd \'e8len \'9a tatut\'e1rneho org\'e1nu samostatn\'e9ho finan\'e8n\'e9ho agenta vykon\'e1vaj\'faci \'e8innos\'9d, ktorej obsahom je finan\'e8n\'e9 sprostredkovanie, mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky pre stredn\'fd stupe\'f2 odbornej sp\'f4sobilosti. Ka\'9ed\'fd zamestnanec a ka\'9ed\'fd \'e8len \'9atatut\'e1rneho org\'e1nu finan\'e8n\'e9ho poradcu vykon\'e1vaj\'faci \'e8innos\'9d, ktorej obsahom je finan\'e8n\'e9 poradenstvo, mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky pre vy\'9a\'9a\'ed stupe\'f2 odbornej sp\'f4 sobilosti. Odborn\'fd garant navrhovate\'bea, ktor\'fd je finan\'e8nou in\'9atit\'faciou, mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky na stredn\'fd stupe\'f2 odbornej sp\'f4sobilosti.\'93. Ani v ot\'e1zke odbornej sp\'f4sobilosti garantov navrhovate\'be ov nie je dodr\'9ean\'e9 pravidlo rovnosti - \'a7 21 ods. 7 ur\'e8uje pre SFA vy\'9a\'9a\'ed stupe\'f2 a \'a7 21 ods. 9 pre finan\'e8n\'fa in\'9atit\'faciu iba stredn\'fd stupe\'f2 odb. sp\'f4sobilosti. Posledn\'fa vetu \'a7 21 ods. 9 navrhujeme po zmene stup\'f2a od\'e8leni\'9d do samostatn\'e9ho odseku. 14. k \'a7 22 ods.2: - Navrhujeme, aby odborn\'e1 sk\'fa\'9aka bola \'84vstupenkou\'93 do podnikania (ako je vodi\'e8sk\'fd preukaz vstupenkou za volant) a robila sa iba raz. A d\'f4raz aby sa kl\'e1dol na osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie. - Predpoklad\'e1me, \'9ee v \'a7 22 ods.2 je preklep a bol mienen\'fd nasledovne: \'84Fyzick\'e1 osoba, ktor\'e1 mus\'ed sp\'e5 \'f2a\'9d po\'9eiadavky pre z\'e1kladn\'fd stupe\'f2 odbornej sp\'f4sobilosti, je povinn\'e1 ka\'9edoro\'e8ne absolvova\'9d osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie. Fyzick\'e1 osoba, ktor\'e1 mus\'ed sp\'e5\'f2a\'9d po\'9eiadavky pre stredn\'fd stupe \'f2 odbornej sp\'f4sobilosti, je povinn\'e1 ka\'9edoro\'e8ne absolvova\'9d osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie a najmenej ka\'9ed\'e9 \'9atyri roky \'faspe\'9ane vykona\'9d odborn\'fa sk\'fa\'9aku.\'93. Ka\'9edop\'e1dne navrhujeme zru\'9a enie opakovania sk\'fa\'9aok a ponechanie ka\'9edoro\'e8n\'e9ho opakovania vzdel\'e1vania v po\'9eadovanom rozsahu hod\'edn pre sektor. Tento po\'e8et hod\'edn navrhujeme vo vykon\'e1vacom predpise zos\'faladi\'9d s po\'9eiadavkami na vstupn\'e9 OFV. Aj pod\'bea preambuly smernice IDD \'e8. 28 by sa VFA a PFA mali l\'ed\'9ai\'9d iba v rozsahu a obsahu vzdel\'e1vacieho obsahu. Od\'f4vodnenie: navrhovan\'e1 povinnos\'9d ne\'famerne zvy\'9auje administrat\'edvnu n\'e1ro\'e8nos\'9d v\'fdkonu \'e8 innosti finan\'e8n\'e9ho sprostredkovania a zav\'e1dza administrat\'edvne a \'e8asovo n\'e1ro\'e8n\'e9 odborn\'e9 sk\'fa\'9aky bez ak\'e9hoko\'bevek zd\'f4vodnenia. Finan\'e8n\'e9 sprostredkovanie predstavuje vysoko kvalifikovan\'fa \'e8innos\'9d porovnate\'ben\'fa s \'e8innos\'9dou s lek\'e1rmi, advok\'e1tmi, da\'f2ov\'fdmi poradcami, \'fa\'e8tovn\'edkmi a pod. \'8eiadna z t\'fdchto profesi\'ed nem\'e1 v r\'e1mci v\'fdkonu tejto profesie svoju \'e8innos\'9d podmienen\'fa ka\'9edoro\'e8n\'fd m opakovan\'edm odborn\'fdch sk\'fa\'9aok. Tak\'fdto osobitn\'fd pr\'edstup k finan\'e8n\'e9mu sprostredkovaniu pova\'9eujeme za selekt\'edvny a ni\'e8\'edm neod\'f4vodnen\'fd. Ak d\'f4vodom na opakovanie sk\'fa\'9aok m\'e1 by\'9d, \'9ee sa k vedomostiam \'e8lovek aspo\'f2 raz za 4 roky dostane, tak t\'e1to po\'9eiadavka je bohato (dokonca o 5-10 hod\'edn viac) splnen\'e1 ka\'9edoro\'e8n\'fdm vzdel\'e1van\'edm. 15. \'a7 22a odsek 4 p\'edsm. a) navrhujeme pre fyzick\'fa osobu doplni\'9d ako zverej\'f2ovan \'fd \'fadaj tie\'9e webov\'e9 s\'eddlo, ako je to u pr\'e1vnickej osoby. 16. V\'fdklad slova \'84ka\'9edoro\'e8ne\'93 mus\'ed by\'9d v s\'falade s teraj\'9aou logikou po\'e8\'edtania term\'ednov obnovy odbornej sp\'f4sobilosti = nem\'f4\'9ee to by\'9d kalend\'e1rny rok, ale \'84technick\'fd\'93 rok = od-do medzn\'e9ho d\'e1tumu. Dnes je medzn\'fdm d\'e1tumom d\'e1tum posledn\'e9ho vykonania OFV, v r\'e1mci 4-ro\'e8n\'e9ho obdobia. Navrhujeme, aby \'84ka\'9edoro\'e8ne\'93 znamenalo 12 mesiacov, od \'84 medzn\'e9ho\'93 d\'e1tumu k medzn\'e9mu d\'e1tumu a v r\'e1mci tohto obdobia m\'ednus 10 dn\'ed (na zru\'9aenie registr\'e1cie v s\'falade so z\'e1konom), kedy mus\'ed \'e8lovek preuk\'e1za\'9d splnenie podmienok (samozrejme v ka\'9edom sektore zvl\'e1 \'9a\'9d). Medzn\'fd d\'e1tum m\'e1 by\'9d pre nov\'fdch d\'e1tum registr\'e1cie do sektora a pre existuj\'facich d\'e1tum posledn\'e9ho vykonania OFV. Tak\'fdto re\'9eim nekumuluje n\'e1por na hektick\'e9 robenie OFV na konci roka & ani nie je s\'fa beh hektiky vo v\'9aetk\'fdch sektoroch naraz. Z\'e1rove\'f2 to pozit\'edvne vpl\'fdva na kvalitu vzdel\'e1vania. 17. k \'a7 22a - v definovan\'ed, kto m\'f4\'9ee poskytova\'9d osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie, je disproporcia, ktor\'e1 zaklad \'e1 v\'fdhody finan\'e8n\'fdm in\'9atit\'faci\'e1m a diskriminuje finan\'e8n\'fdch agentov. Navrhujeme zrovnopr\'e1vni\'9d licencovan\'e9 subjekty a umo\'9eni\'9d finan\'e8n\'fdm in\'9atit\'faci\'e1m poskytova\'9d produktov\'e9 \'9akolenia v\'9aetk\'fd m svojim obchodn\'fdm sie\'9dam, takto: (2) Osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie poskytuje: a) finan\'e8n\'e1 in\'9atit\'facia, a to pre svojich zamestnancov, viazan\'fdch finan\'e8n\'fdch agentov s ktor\'fdmi m\'e1 uzavret\'fa zmluvu pod\'bea \'a7 8, viazan\'fdch investi\'e8n\'fdch agentov s ktor\'fdmi m\'e1 uzavret\'fa zmluvu pod\'bea \'a7 12, samostatn\'fdch finan\'e8n\'fdch agentov s ktor\'fdmi m\'e1 uzavret\'fa zmluvu pod\'bea \'a7 7 a ich podriaden\'fdch finan\'e8n\'fdch agentov b) samostatn \'fd finan\'e8n\'fd agent, a to pre svojich podriaden\'fdch finan\'e8n\'fdch agentov, s ktor\'fdmi m\'e1 uzavret\'fa zmluvu pod\'bea \'a7 9 c) in\'9atit\'facia finan\'e8n\'e9ho vzdel\'e1vania. Z\'e1rove\'f2 po\'9eadujeme, aby v\'9a etky typy subjektov, ktor\'e9 m\'f4\'9eu poskytova\'9d OFV, mali aj rovnak\'e9 podmienky a sp\'e5\'f2ali rovnak\'e9 po\'9eiadavky pre t\'fato \'e8innos\'9d \endash t.j. aby boli zap\'edsan\'e9 v registri poskytovate\'beov a predkladali doh\'be adu tie podklady, ktor\'e9 bud\'fa predp\'edsan\'e9 a ktor\'e9 z\'e1rove\'f2 u\'9e nepredlo\'9eili pri licen\'e8nom procese na registr\'e1ciu svojej podnikate\'beskej \'e8innosti. Pri tejto pr\'edle\'9eitosti opakovane upozor\'f2ujeme na nes\'fa lad medzi po\'9eiadavkami na odborn\'fa sp\'f4sobilos\'9d pre mana\'9ement finan\'e8n\'fdch in\'9atit\'faci\'ed a pre SFA. Pokia\'be sa regul\'e1tor rozhodne o nepredkladan\'ed predmetn\'fdch podkladov, navrhujeme preformulova\'9d \'a7 22a ods. 7 p\'ed sm. e) takto: e) poskytovate\'be je zodpovedn\'fd za to, \'9ee m\'e1 primeran\'e9 organiza\'e8n\'e9 a technick\'e9 vybavenie na poskytovanie osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania, vr\'e1tane webov\'e9ho s\'eddla bud\'faceho poskytovate\'be a osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania, na ktorom bude poskytovate\'be osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania zverej\'f2ova\'9d najm\'e4 d\'e1tum, miesto, \'e8as osobitn\'e9ho finan\'e8n\'e9ho vzdel\'e1vania a sektory, v ktor\'fd ch sa bude osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie poskytova\'9d, a to pre v\'9aetky stupne odbornej sp\'f4sobilosti v ktor\'fdch sa bude osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie poskytova\'9d 18. Nikde nie je v z\'e1kone uveden\'e9, \'9ee vzdel\'e1 vacia in\'9atit\'facia si vol\'ed sektory, v ktor\'fdch chce OFV poskytova\'9d a n\'e1sledne sp\'e5\'f2a\'9d po\'9eiadavky z\'e1kona, napr. \'a7 22a ods. 13. Rovnako nie je zrejm\'e9, ak\'e9 sp\'f4soby nahlasovania \'fa\'e8asti na sk\'fa\'9aku s\'fa povolen\'e9/mo\'9en\'e9 (\'e8i je to povinn\'e9 cez webov\'fa str\'e1nku alebo je to mo\'9en\'e9 cez intern\'fd syst\'e9m in\'9atit\'facie). A tie\'9e v z\'e1kone ch\'fdba explicitn\'e9 ur\'e8enie, \'9ee pr\'edstupnos\'9d e-learningov\'e9 ho kurzu v LMS syst\'e9me vzdel\'e1vacej in\'9atit\'facie znamen\'e1 splnenie povinnosti \'a7 22a ods. 13 p\'edsm. d). 19. D\'e1vame na zv\'e1\'9eenie, aby po\'9eiadavka \'a7 22a ods. 7 p\'edsm. b) vypadla z n\'e1vrhu, preto\'9ee v dne\'9a nej dobe elektronick\'fdch \'faradn\'fdch evidenci\'ed je mo\'9en\'e9 si kedyko\'bevek on-line overi\'9d predmetn\'e9 skuto\'e8nosti. 20. \'a722a ods. 13 p\'edsm. d) navrhujeme doplni\'9d nasledovne: \'84Elektronick\'fd kurz mus\'ed ma\'9d ur\'e8en\'fa minim\'e1lnu d\'e5\'9eku trvania a je vyhl\'e1sen\'fd d\'f2om jeho spr\'edstupnenia v syst\'e9me poskytovate\'bea.\'93 s od\'f4vodnen\'edm, \'9ee ka\'9ed\'e9 konanie elektronick\'e9ho kurzu nie je mo\'9en\'e9 vyhlasova\'9d osobitne. 21. \'a722a ods. 13 p \'edsm. e) navrhujeme zmeni\'9d \'84do troch pracovn\'fdch dn\'ed\'93 na \'84do desiatich pracovn\'fdch dn\'ed\'93 s od\'f4vodnen\'edm \'9ee aj NBS m\'e1 tak\'e9to lehoty na z\'e1pis do registra, resp. registra sk\'fa\'9a ok. 22. Aby sme mohli zodpovedne vyjadri\'9d k po\'9eiadavk\'e1m na odborn\'fa sp\'f4sobilos\'9d, potrebovali by sme pos\'fadi\'9d cel\'fd z\'e1konodarcom navrhnut\'fd syst\'e9m odbornej sp\'f4sobilosti v detailoch, t.j. potrebujeme ma\'9d k dispoz\'ed cii vykon\'e1vac\'ed predpis pod\'bea \'a7 22a ods. 16, inak nie sme schopn\'ed dotiahnu\'9d ani na\'9ae pripomienkovanie, ani pr\'edpravu na re\'e1lne vykon\'e1vanie t\'fdchto povinnost\'ed. 23. Prechodn\'e9 obdobie na zos\'faladenie po\'9e iadaviek na odborn\'fa sp\'f4sobilos\'9d navrhujeme upravi\'9d nasledovne a z\'e1rove\'f2 da\'9d do s\'faladu s rovnak\'fdm ustanoven\'edm (aj ozna\'e8en\'edm), ktor\'e9 do tohto z\'e1kona vklad\'e1 novela z\'e1kona 566/2001 o cenn\'fd ch papieroch a investi\'e8n\'fdch slu\'9eb\'e1ch: \'84\'a7 42c Prechodn\'e9 ustanovenie k \'faprav\'e1m \'fa\'e8inn\'fdm od 1. janu\'e1ra 2018 Osoby, ktor\'e9 vykon\'e1vaj\'fa finan\'e8n\'e9 sprostredkovanie alebo finan\'e8n\'e9 poradenstvo pod\'be a predpisov \'fa\'e8inn\'fdch do 31. decembra 2017, s\'fa povinn\'e9 splni\'9d po\'9eiadavky pre odborn\'fa sp\'f4sobilos\'9d pod\'bea \'a7 21 ods. 3 v znen\'ed \'fa\'e8innom od 1. janu\'e1ra 2018 v nasledovn\'fdch lehot\'e1ch: - t\'ed, ktor\'fdm term\'ed n obnovy odbornej sp\'f4sobilosti vykonan\'edm OFV nastane v roku 2018 \endash splni\'9d do 12 mesiacov od jeho nastatia - t\'ed, ktor\'fdm term\'edn obnovy odbornej sp\'f4sobilosti vykonan\'edm OFV nastane v roku 2019 \endash splni\'9d do jeho nastatia - t\'ed, ktor\'fdm term\'edn obnovy odbornej sp\'f4sobilosti vykonan\'edm OFV nastane v roku 2020 \endash splni\'9d do 12 mesiacov od \'84medzn\'e9ho\'93 d\'e1tumu, ktor\'fdm sa rozumie de\'f2 a mesiac v roku 2019, ktor\'fd je rok skor \'9a\'ed ne\'9e ten, ktor\'fd je teraz platn\'fd - t\'ed, ktor\'fdm term\'edn obnovy odbornej sp\'f4sobilosti vykonan\'edm OFV nastane v roku 2021 \endash splni\'9d do 12 mesiacov od \'84medzn\'e9ho\'93 d\'e1tumu, ktor\'fdm sa rozumie de\'f2 a mesiac v roku 2019, ktor\'fd je dva roky skor\'9a\'ed ne\'9e ten, ktor\'fd je teraz platn\'fd - odborn\'e1 sk\'fa\'9aka sa od 1.1.2018 neopakuje - medzn\'fdm d\'e1tumom sa rozumie d\'e1tum (de\'f2 a mesiac) posledn\'e9ho vykonania OFV, ktor\'fd je pre ka\'9ed\'e9ho individu\'e1lne platn\'fd pre ka\'9ed\'fd sektor zvl\'e1\'9a\'9d. Vo vykon\'e1vacom predpise navrhujeme n\'e1sledne \'e8o najsk\'f4r dorie\'9ai\'9d: \bullet v\'fdslovn\'e9 po\'9eadovan\'e9 znenie predmetu \'e8innosti, ktor\'e9 dovol \'ed poskytovate\'beovi OFV by\'9d zap\'edsan\'fd do registra poskytovate\'beov \endash navrhujeme aktu\'e1lne \'84vykon\'e1vanie mimo\'9akolskej vzdel\'e1vacej \'e8innosti\'93 \bullet po\'9eadovan\'e9 po\'e8ty hod\'edn \'famern\'e9 n\'e1ro\'e8 nosti sektora (POI z IDD povinne 15 hod\'edn, ostatn\'e9 sektory s\'fa nepovinn\'e9, tak\'9ee rie\'9aim minim\'e1lne) \endash hlavne na za\'e8iatku bude z\'e1\'9da\'9e na cel\'fd syst\'e9m enormn\'e1 a potrebujeme ho spolo\'e8ne dobre odladi\'9d, aby nov \'e9 podmienky neboli likvida\'e8n\'e9 \bullet sp\'f4soby nahliadania do registra OFV a s\'9dahovania \'fadajov potrebn\'fdch na zabezpe\'e8enie kontinuity a dodr\'9eania podmienok z\'e1kona navrhovate\'beom 24. k \'a7 22a - v definovan\'ed, kto m\'f4 \'9ee poskytova\'9d osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie, je disproporcia, ktor\'e1 zaklad\'e1 v\'fdhody finan\'e8n\'fdm in\'9atit\'faci\'e1m a diskriminuje finan\'e8n\'fdch agentov. Navrhujeme zrovnopr\'e1vni\'9d licencovan\'e9 subjekty a umo\'9eni \'9d finan\'e8n\'fdm in\'9atit\'faci\'e1m poskytova\'9d produktov\'e9 \'9akolenia v\'9aetk\'fdm svojim obchodn\'fdm sie\'9dam, takto: (2) Osobitn\'e9 finan\'e8n\'e9 vzdel\'e1vanie poskytuje: d) finan\'e8n\'e1 in\'9atit\'facia, a to v\'fd hradne pre svojich zamestnancov, viazan\'fdch finan\'e8n\'fdch agentov s ktor\'fdmi m\'e1 uzavret\'fa zmluvu pod\'bea \'a7 8, viazan\'fdch investi\'e8n\'fdch agentov s ktor\'fdmi m\'e1 uzavret\'fa zmluvu pod\'bea \'a712, samostatn\'fdch finan\'e8n\'fd ch agentov s ktor\'fdmi m\'e1 uzavret\'fa zmluvu pod\'bea \'a77 a ich podriaden\'fdch finan\'e8n\'fdch agentov e) samostatn\'fd finan\'e8n\'fd agent, a to v\'fdhradne pre svojich podriaden\'fdch finan\'e8n\'fdch agentov, s ktor\'fdmi m\'e1 uzavret\'fa zmluvu pod\'bea \'a79 f) in\'9atit\'facia finan\'e8n\'e9ho vzdel\'e1vania. Navrhujeme nepou\'9ei\'9d na ozna\'e8enie vzdel\'e1vacej in\'9atit\'facie pojem \'84poskytovate\'be\'93, lebo pritom vznik\'e1 nevhodn\'e9 slovn\'e9 spojenie \'84poskytovate\'be poskytuje\'93. \'84In\'9atit\'facia finan\'e8n\'e9ho vzdel\'e1vania\'93 je slovn\'e9 spojenie s praktickej\'9aou pou\'9eite\'benos\'9dou aj v be\'9enej komunik\'e1cii. Toto slovn\'e9 spojenie je potrebn\'e9 nahradi\'9d aj inde v texte z\'e1kona a zak\'e1 za\'9d ho pou\'9e\'edva\'9d v tomto tvare bez toho, aby in\'9atit\'facia bola zap\'edsan\'e1 v predmetnom registri NBS. Z\'e1rove\'f2 po\'9eadujeme, aby v\'9aetky typy subjektov, ktor\'e9 m\'f4\'9eu poskytova\'9d OFV, mali aj rovnak\'e9 podmienky a sp\'e5 \'f2ali rovnak\'e9 po\'9eiadavky pre t\'fato \'e8innos\'9d \endash t.j. aby boli zap\'edsan\'e9 v registri poskytovate\'beov a predkladali doh\'beadu tie podklady, ktor\'e9 bud\'fa predp\'edsan\'e9 a ktor\'e9 z\'e1rove\'f2 u\'9e nepredlo\'9eili pri licen \'e8nom procese na registr\'e1ciu svojej podnikate\'beskej \'e8innosti. Pri tejto pr\'edle\'9eitosti opakovane upozor\'f2ujeme na nes\'falad medzi po\'9eiadavkami na odborn\'fa sp\'f4sobilos\'9d pre mana\'9ement finan\'e8n\'fdch in\'9atit\'faci\'ed a pre SFA. 25. Nejasnosti a ch\'fdbaj\'face ustanovenia k odbornej sp\'f4sobilosti: - Je potrebn\'e9 aspo\'f2 vo vykon\'e1vacom predpise uvies\'9d, \'9ee term\'edny OFV, ktor\'e9 tak\'e1to in\'9atit\'facia vypisuje, mus\'ed ma\'9d mo\'9enos\'9d vyp\'edsa \'9d aj s pr\'edznakom \'84neverejn\'e9 / uzavret\'e9 pre extern\'fdch \'fa\'e8astn\'edkov\'93. - Nikde nie je v z\'e1kone uveden\'e9, \'9ee vzdel\'e1vacia in\'9atit\'facia si vol\'ed sektory, v ktor\'fdch chce OFV poskytova\'9d a n\'e1sledne sp\'e5\'f2a \'9d po\'9eiadavky z\'e1kona, napr. \'a7 22a ods. 13. Rovnako nie je zrejm\'e9, ak\'e9 sp\'f4soby nahlasovania \'fa\'e8asti na sk\'fa\'9aku s\'fa povolen\'e9/mo\'9en\'e9 (\'e8i je to povinn\'e9 cez webov\'fa str\'e1nku alebo je to mo\'9en\'e9 cez intern \'fd syst\'e9m in\'9atit\'facie). A tie\'9e v z\'e1kone ch\'fdba explicitn\'e9 ur\'e8enie, \'9ee pr\'edstupnos\'9d e-learningov\'e9ho kurzu v LMS syst\'e9me vzdel\'e1vacej in\'9atit\'facie znamen\'e1 splnenie povinnosti \'a7 22a ods. 13 p\'ed sm. d). - Zo z\'e1kona vypl\'fdva povinnos\'9d zapisova\'9d ka\'9ed\'e9 vzdel\'e1vanie do registra pre ka\'9ed\'e9ho \'fa\'e8astn\'edka. Nie je ur\'e8en\'fd mechanizmus, ak\'fdm bude na prv\'fd poh\'bead zrejm\'e9 a odkontrolovate\'ben\'e9, \'e8 i sprostredkovate\'be v registri m\'e1 splnen\'e9 v\'9aetky po\'9eiadavky na odborn\'fa sp\'f4sobilos\'9d v ka\'9edom sektore, v ktorom podnik\'e1. Bude navrhovate\'be musie\'9d nahlasova\'9d aj splnenie predp\'edsan\'e9ho po\'e8tu hod\'edn za ka\'9ed\'e9 ho svojho sprostredkovate\'bea ro\'e8ne, alebo sa to v registri bude automaticky nas\'e8\'edtava\'9d? Aby ka\'9ed\'fd subjekt o sebe v ka\'9edom momente videl a vedel. - Navy\'9ae d\'e1vame na zv\'e1\'9eenie, aby po\'9eiadavka \'a7 22a ods. 7 p\'ed sm. b) vypadla z n\'e1vrhu, preto\'9ee v dne\'9anej dobe elektronick\'fdch \'faradn\'fdch evidenci\'ed je mo\'9en\'e9 si kedyko\'bevek on-line overi\'9d predmetn\'e9 skuto\'e8nosti. 26. Aby sme mohli zodpovedne vyjadri\'9d k po\'9eiadavk\'e1m na odborn \'fa sp\'f4sobilos\'9d, potrebovali by sme pos\'fadi\'9d cel\'fd z\'e1konodarcom navrhnut\'fd syst\'e9m odbornej sp\'f4sobilosti v detailoch, t.j. potrebujeme ma\'9d k dispoz\'edcii vykon\'e1vac\'ed predpis pod\'bea \'a7 22a ods. 16, inak nie sme schopn \'ed dotiahnu\'9d ani na\'9ae pripomienkovanie, ani pr\'edpravu na re\'e1lne vykon\'e1vanie t\'fdchto povinnost\'ed. 27. \'a7 25 ods. 1 navrhujeme vypusti\'9d slovo \'84samostatn\'fd\'93 vo v\'9aetk\'fdch tvaroch Navrhujeme vypusti\'9d cel\'fd tento bod 65 novely. Od\'f4vodnenie: V pr\'edpade, \'9ee odborn\'e9ho garanta mus\'ed zriadi\'9d ka\'9ed\'fd aj podriaden\'fd finan\'e8n\'fd agent alebo viazan\'fd finan\'e8n\'fd agent, ide o zbyto\'e8n\'e9 administrat\'edvne opatrenie, ktor\'e9 pri spolo\'e8nostiach s jedn\'fdm konate\'beom a spolo\'e8n\'edkom bez zamestnancov bude \'e8isto form\'e1lneho charakteru. Z\'e1rove\'f2 \'faprava zamedzuje tomu, aby kvalifikovane zdatn\'e1 osoba s dostato\'e8n\'fdmi sk\'fasenos\'9dami vykon\'e1vala \'e8innos\'9d odborn\'e9ho garanta pre viacer\'fdch podriaden\'fdch finan\'e8n\'fdch agentov alebo viazan\'fdch finan\'e8n\'fdch agentov, \'e8o nepova\'9eujeme za spr\'e1vne. Okrem toho nem\'e1me inform\'e1cie o tom, \'9ee by s\'fa\'e8asn\'fd pr\'e1 vny stav sp\'f4soboval v praxi ak\'e9ko\'bevek aplika\'e8n\'e9 probl\'e9my. M\'e1me za to, \'9ee toto opatrenie povedie k zn\'ed\'9eeniu v\'fdkonu kvality kontroly oproti s\'fa\'e8asn\'e9mu stavu, preto\'9ee t\'fato d\'f4le\'9eit\'fa \'e8innos\'9d bud\'fa vykon\'e1va\'9d osoby bez dostato\'e8n\'fdch sk\'fasenost\'ed. 28. k \'a7 25 ods. 9) \endash navrhovan\'e9 ustanovenie o povinnostiach finan\'e8nej in\'9atit\'facie vo vz\'9dahu k odborn\'e9mu garantovi je neur\'e8it\'e9 a nejednozna\'e8n\'e9 29. k \'a7 27 \endash navrhovan\'e9 znenie ustanovenia ods. 1 o konflikte z\'e1ujmov je zm\'e4to\'e8n\'e9. Naviac pod\'bea n\'e1vrhu novely ZoCP by pre agentov a poradcov v sektore kapit\'e1lov\'e9ho trhu mali plati\'9d pravidl\'e1 pre konflikt z\'e1ujmov pod\'be a navrhovan\'e9ho znenia \'a771l ZoCP. S touto ot\'e1zkou sa n\'e1vrh tohto z\'e1kona nijako nevysporiadal. 30. \'a7 28: Navrhujeme vypusti\'9d cel\'fd bod 73 n\'e1vrhu zmien (ktor\'fd v \'a7 28 vyp\'fa\'9a\'9da odsek 5). Od\'f4vodnenie: s\'fa\'e8asn\'e1 pr\'e1vna \'faprava umo\'9e\'f2uje vy\'9a\'9aiu ochranu finan\'e8n\'fdch pr\'e1v a z\'e1ujmov klienta. Nem\'e1me inform\'e1cie o tom, \'9ee by s\'fa\'e8asn\'fd pr\'e1vny stav sp\'f4soboval v praxi ak\'e9ko\'bevek aplika\'e8n\'e9 probl\'e9my. Vzh\'be adom k tomu, \'9ee novela roz\'9airuje mo\'9enosti inkasovania poistn\'e9ho, navrhujeme ponecha\'9d osobitn\'fa \'fapravu, ktor\'e1 umo\'9e\'f2uje chr\'e1ni\'9d zo strany klienta zaplaten\'e9 poistn\'e9 pred pr\'edpadn\'fdmi finan\'e8n\'fdmi probl\'e9 mami jednotliv\'fdch finan\'e8n\'fdch agentov. 31. k \'a7 30 \endash zodpovednos\'9d za \'9akodu \endash nie je zrejm\'fd d\'f4vod navrhovanej zmeny ( s v\'fdnimkou zmeny limitov poistn\'e9ho krytia, ktor\'e9 vy\'9eaduje IDD); pod\'bea navrhnut\'e9 ho znenia je povinn\'fd sa poisti\'9d agent a pri poru\'9aen\'ed tejto povinnosti zo strany PFA zodpoved\'e1 SFA \endash zru\'9aila sa mo\'9enos\'9d prevzatia zodpovednosti samostatn\'fdm bez toho, aby podriaden\'fd poru\'9ail z\'e1konn\'fa povinnos\'9d (toto poru\'9aenie by v kone\'e8nom d\'f4sledku malo by\'9d d\'f4vodom na stratu d\'f4veryhodnosti)... in\'fdmi slovami, nov\'e9 znenie neumo\'9e\'f2uje prevzia\'9d povinnos\'9d uzatvorenia poistnej zmluvy na poistenie zodpovednosti za \'9akodu sp\'f4 soben\'fa vykon\'e1van\'edm sprostredkovania samostatn\'fdm finan\'e8n\'fdm agentom bez poru\'9aenia z\'e1kona jeho podriaden\'fdm agentom. Navrhujeme upravi\'9d limity po\'9eadovan\'e9 smernicou a v ostatnom ponecha\'9d p\'f4vodn\'e9 znenie tohto paragrafu, t. j. navrhujeme vypusti\'9d cel\'e9 body 76, 79 a 80 n\'e1vrhu zmien. 32. k \'a7 32 ods. 2 \endash n\'e1klady na finan\'e8n\'e9 sprostredkovanie \endash navrhovan\'fd text v\'fdrazne prekra\'e8uje povinnosti vypl\'fdvaj\'fa ce z implement\'e1cie IDD nielen v tom, \'9ee amb\'edciou z\'e1kona je povinnosti pre sektor poistenia aplikova\'9d na cel\'fd trh (6 sektorov), ale aj v defin\'edcii povinnost\'ed t\'fdkaj\'facich sa zverej\'f2ovania n\'e1kladov na finan\'e8n\'e9 sprostredkovanie; text\'e1cia \'84o existencii, povahe a v\'fd\'9ake odmeny\'93 nevypl\'fdva z IDD; smernica v \'e8l\'e1nku 19 k odmene hovor\'ed, \'9ee sprostredkovate\'be m\'e1 klientovi ozn\'e1mi\'9d \'84povahu odmeny prijatej vo vz\'9dahu k poistnej zmluve a \'e8i vo vz\'9dahu k poistnej zmluve pracuje na z\'e1klade poplatku, teda odmeny platenej priamo z\'e1kazn\'edkom, prov\'edzie ak\'e9hoko\'bevek druhu, ktor\'e1 je odmenou zahrnutou do poistn\'e9ho, na z\'e1klade ak\'e9hoko\'bevek in\'e9 ho druhu odmeny vr\'e1tane hospod\'e1rskej v\'fdhody ak\'e9hoko\'bevek druhu, ktor\'e1 sa pon\'faka alebo poskytuje v s\'favislosti s poistnou zmluvou, alebo na z\'e1klade kombin\'e1cie niektor\'fdch t\'fdchto odmien\'93; z uveden\'e9 ho znenia smernice je zrejm\'e9, \'9ee jej \'fa\'e8elom je poskytn\'fa\'9d klientovi inform\'e1ciu v tom zmysle, aby klient vedel, \'e8i slu\'9ebu sprostredkovania plat\'ed priamo, alebo v cene produktu. V pr\'edpade, \'9ee m\'e1 klient plati\'9d priamo sprostredkovate\'beovi, logicky mus\'ed by\'9d informovan\'fd, ko\'beko. T\'e1to inform\'e1cia v\'9aak str\'e1ca v\'fdznam v pr\'edpade, \'9ee cena poistenia zoh\'bead\'f2uje n\'e1klady na distrib\'faciu a klient ju priamo neplat\'ed . V neposlednom rade je ustanovenie problematick\'e9 aj z d\'f4vodu, \'9ee r\'f4zne distribu\'e8n\'e9 kan\'e1ly maj\'fa r\'f4zne \'farovne odme\'f2ovania, aj ke\'ef pon\'fakaj\'fa klientovi rovnak\'fd produkt a na klientove n\'e1klady to nem\'e1 \'9e iaden dopad. Navrhujeme zmeni\'9d nasledovne: 81. \'c8l\'e1nku I \'a7 32 vr\'e1tane nadpisu znie: \'84\'a7 32 N\'e1klady na finan\'e8n\'e9 sprostredkovanie a na finan\'e8n\'e9 poradenstvo (1) Finan\'e8n\'fd agent nesmie v s\'favislosti s vykon\'e1van\'ed m finan\'e8n\'e9ho sprostredkovania prij\'edma\'9d od neprofesion\'e1lneho klienta ak\'e9ko\'bevek pe\'f2a\'9en\'e9 plnenie alebo nepe\'f2a\'9en\'e9 plnenie. (2) Pred vykon\'e1van\'edm finan\'e8n\'e9ho sprostredkovania mus\'ed by\'9d neprofesion\'e1 lny klient jednozna\'e8ne presn\'fdm a zrozumite\'ben\'fdm sp\'f4sobom p\'edsomne alebo na inom trvanlivom m\'e9diu informovan\'fd o existencii a povahe a v\'fd\'9ake odmeny, ktor\'fa prij\'edma finan\'e8n\'fd agent za finan\'e8n\'e9 sprostredkovanie vo vz\'9dahu ku konkr\'e9tne uzatv\'e1ranej zmluve o poskytnut\'ed finan\'e8nej slu\'9eby, ak osobitn\'fd z\'e1kon neustanovuje inak.37a) Na z\'e1klade po\'9eiadavky klienta mus\'ed by\'9d klient jednozna\'e8ne, vy\'e8erp\'e1vaj\'fa cim, presn\'fdm a zrozumite\'ben\'fdm sp\'f4sobom informovan\'fd aj o v\'fd\'9ake odmeny; o tejto skuto\'e8nosti mus\'ed finan\'e8n\'fd agent p\'edsomne informova\'9d klienta pred uzatvoren\'edm zmluvy o poskytovan\'ed finan\'e8nej slu\'9eby. (3) V s\'fa vislosti s vykon\'e1van\'edm finan\'e8n\'e9ho sprostredkovania nesmie finan\'e8n\'fd agent poskytova\'9d klientovi alebo potenci\'e1lnemu klientovi \'9eiadne finan\'e8n\'e9 v\'fdhody alebo v\'fdhody hmotnej alebo nehmotnej povahy. Za tak\'e9to v\'fd hody sa nepova\'9euje poskytnutie drobn\'fdch reklamn\'fdch predmetov. (4) Finan\'e8n\'fd poradca nesmie v s\'favislosti s vykon\'e1van\'edm finan\'e8n\'e9ho poradenstva prij\'edma\'9d ak\'e9ko\'bevek pe\'f2a\'9en\'e9 plnenie alebo nepe\'f2a\'9en\'e9 plnenie s v\'fdnimkou plnenia od klienta. (5) Finan\'e8n\'fd agent nesmie by\'9d odme\'f2ovan\'fd ani nesmie odme\'f2ova\'9d alebo posudzova\'9d v\'fdkonnos\'9d svojich zamestnancov sp\'f4sobom, ktor\'fd by bol v rozpore s ich povinnos\'9dou kona\'9d v s \'falade s najlep\'9a\'edmi z\'e1ujmami klientov. Za t\'fdmto \'fa\'e8elom nesmie zavies\'9d \'9eiadne mechanizmy v podobe odmien, cie\'beov predaja, ani in\'fdch n\'e1strojov, ktor\'e9 by mohli by\'9d pre finan\'e8n\'e9 ho agenta alebo jeho zamestnancov stimulom, aby klientovi odpor\'fa\'e8ali ur\'e8it\'fd finan\'e8n\'fd produkt, pokia\'be by bolo mo\'9en\'e9 pon\'faknu\'9d klientovi in\'fd finan\'e8n\'fd produkt, ktor\'fd by lep\'9aie sp\'e5\'f2al jeho potreby.\'93 . Bod 1. \'c8l\'e1nku II \'a7 70 ods. 1 sa men\'ed p\'edsmeno e), ktor\'e9 znie nasledovne (komplexn\'e1 \'faprava je uveden\'e1 ni\'9e\'9aie v texte): \'84e) poskytn\'fa\'9d potencion\'e1lnemu neprofesion\'e1lnemu klientovi jednozna\'e8ne presn\'fd m a zrozumite\'ben\'fdm sp\'f4sobom p\'edsomne alebo na inom trvanlivom m\'e9diu inform\'e1ciu o existencii a povahe a v\'fd\'9ake odmeny vypl\'e1canej jej zamestnancom vo vz\'9dahu ku konkr\'e9tne uzatv\'e1ranej poistnej zmluve. Na z\'e1klade po\'9e iadavky klienta mus\'ed by\'9d klient jednozna\'e8ne, vy\'e8erp\'e1vaj\'facim, presn\'fdm a zrozumite\'ben\'fdm sp\'f4sobom informovan\'fd aj o v\'fd\'9ake odmeny; o tejto skuto\'e8nosti mus\'ed finan\'e8n\'e1 in\'9atit\'facia p\'edsomne informova\'9d klienta pred uzatvoren\'edm poistnej zmluvy. Od\'f4vodnenie: navrhovan\'e9 pr\'e1vna \'faprava zav\'e1dza rozporupln\'e9 porovnanie odmeny u zamestnancov finan\'e8n\'fdch in\'9atit\'faci\'ed a odmeny u finan\'e8n\'fdch agentov. V oboch pr\'ed padoch sa porovn\'e1vaj\'fa in\'e9 \'fadaje, ktor\'e9 m\'f4\'9eu mias\'9d klienta vo v\'fd\'9ake n\'e1kladov s\'favisiacich s distrib\'faciou poistenia a z podstaty veci znev\'fdhod\'f2uj\'fa finan\'e8n\'fdch agentov, ktor\'ed zverej\'f2uj\'fa ove\'bea \'9air\'9a\'ed okruh odmeny. Takto nastaven\'e1 informa\'e8n\'e1 povinnos\'9d (s rozdielnym rozsahom informa\'e8nej povinnosti) m\'f4\'9ee by\'9d a\'9e v priamom rozpore so Smernicou o distrib\'facii poistenia, ktor\'e1 m\'e1 by\'9d to uto novelou transponovan\'e1. Navrhovan\'e1 informa\'e8n\'e1 povinnos\'9d tie\'9e neod\'f4vodnene zasahuje do obchodnopr\'e1vnych vz\'9dahov, ktor\'e9 s\'fa v s\'fa\'e8asnosti d\'f4vern\'e9ho charakteru, ako aj do pracovnopr\'e1vnych vz\'9d ahov pri zamestnancoch finan\'e8n\'fdch in\'9atit\'faci\'ed. Nastaven\'e1 informa\'e8n\'e1 povinnos\'9d neprin\'e1\'9aa \'9eiadnu zv\'fd\'9aen\'fa ochranu klienta a pova\'9eujeme ju za zbyto\'e8n\'fa. Navrhovan\'e9 znenie ustanovenie je tie\'9e \'e8iasto \'e8ne nevykonate\'ben\'e9 a v praxi m\'f4\'9eu by\'9d s jeho aplik\'e1ciou v praxi spojen\'e9 viacer\'e9 praktick\'e9 probl\'e9my. 33. k \'a7 32 ods. 5 \endash roz\'9a\'edrenie p\'f4sobnosti IDD na cel\'fd trh prin\'e1\'9aa nejednozna\'e8nos\'9d aj vo vz\'9dahu k porovn\'e1vaniu produktov v r\'f4znych sektoroch finan\'e8n\'e9ho trhu \endash pri ur\'e8ovan\'ed pravidiel odme\'f2ovania, ktor\'e9 nesm\'fa obsahova\'9d stimuly odpor\'fa\'e8a\'9d \'84ur\'e8it\'fd finan\'e8n\'fd produkt, pokia\'be by bolo mo\'9en\'e9 pon\'faknu\'9d klientovi in\'fd finan\'e8n\'fd produkt, ktor\'fd by lep\'9aie sp\'e5\'f2al jeho potreby\'93 je \'84pole p\'f4sobnosti org\'e1nu doh\'beadu\'93 ne\'famerne \'9airok\'e9, porovn\'e1vanie vhodnosti finan\'e8n\'fd ch produktov v\'9aeobecne je do ve\'bekej miery v\'9edy subjekt\'edvna z\'e1le\'9eitos\'9d; je zlo\'9eit\'e9 jednozna\'e8ne ur\'e8i\'9d, \'e8i je pre klienta vhodnej\'9aia jedna, alebo druh\'e1 poistka; nie je v\'9aak mo\'9en\'e9 objekt\'edvne jednozna \'e8ne ur\'e8i\'9d, \'e8i je vhodnej\'9aia hypot\'e9ka, alebo doplnkov\'e9 starobn\'e9 sporenie. Rovnak\'fd probl\'e9m vznik\'e1 pri \'a7 35. 34. k \'a7 33 ods. 4 p\'edsm. f) \endash ustanovenie je nezrozumite\'ben\'e9; zrejme m\'e1 \'eds\'9d o prevzatie \'e8l. 19 ods. 3 IDD, v zmysle ktorej, ak m\'e1 klient po uzavret\'ed zmluvy plati\'9d in\'e9 platby, ako be\'9en\'e9 platby poistn\'e9ho, \'e8i pravideln\'e9 platby, m\'e1 sprostredkovate\'be klientovi ozn\'e1mi\'9d aj inform\'e1cie o ka\'9e dej takejto platbe; Navrhujeme z\'e1rove\'f2 ponecha\'9d p\'f4vodn\'fd bod g) a tento navrhovan\'fd bod pripoji\'9d za\'f2. 35. k \'a7 33 ods. 5 p\'edsm. e) \endash ustanovenie je vzh\'beadom na nespr\'e1vny slovosled zm\'e4to\'e8n\'e9 36. k \'a7 33 ods. 14 \endash v navrhovanom ustanoven\'ed sa stanovuj\'fa povinnosti samostatn\'e9mu finan\'e8n\'e9mu agentovi v pr\'edpade, \'9ee uzavretiu alebo k zmene zmluvy o poskytnut\'ed finan\'e8nej slu\'9eby doch\'e1dza prostredn\'edctvom sprostredkovate \'bea doplnkov\'e9ho poistenia \endash z text\'e1cie tohto ustanovenia, ani kontextu z\'e1kona nie je zrejm\'fd vz\'9dah medzi sprostredkovate\'beom doplnkov\'e9ho poistenia a samostatn\'fdm finan\'e8n\'fdm agentom (z\'e1kon tento vz\'9dah samostatn\'e9 ho finan\'e8n\'e9ho agenta a sprostredkovate\'bea doplnkov\'e9ho poistenia nikde nedefinuje) 37. Novela z\'e1kona \'e8. 566/2001 o cenn\'fdch papieroch a investi\'e8n\'fdch slu\'9eb\'e1ch zav\'e1dza \'a733a \'84Investi\'e8n\'e9 produkty zalo\'9een\'e9 na poisten\'ed\'93 a tento z\'e1kon zav\'e1dza \'a737d s rovnak\'fdm n\'e1zvom, ale r\'f4znym obsahom. T\'fato disproporciu je treba odstr\'e1ni\'9d \endash extr\'e9mne z\'e1sadn\'e1 pripomienka! 38. k \'a7 37 \endash navrhuje sa prevzatie pr\'e1vnej \'fapravy po\'9eiadaviek na obchodn\'edka s cenn\'fdmi papiermi 1:1 aj na agenta a poradcu v sektore kapit\'e1lov\'e9ho trhu; rovnak\'fa ot\'e1zku rie\'9ai n\'e1vrh novely z\'e1kona o cenn\'fdch papieroch. M\'e1me za to, \'9ee takto v\'9a eobecne formulovan\'e9 ustanovenie, odkazuj\'face na z\'e1kon o cenn\'fdch papieroch, ktor\'fd \'efalej odkazuje na Delegovan\'e9 nariadenie by vnieslo do syst\'e9mu mnoho nejasnost\'ed a je potrebn\'e9 jednozna\'e8ne upravi\'9d, ktor\'e9 povinnosti/po \'9eiadavky na obchodn\'edka s cenn\'fdmi papiermi by mali plni\'9d aj agenti/poradcovia v sektore kapit\'e1lov\'e9ho trhu. 39. k \'a7 37b \endash navrhovan\'fd text ods. 2 je nejednozna\'e8n\'fd a umo\'9e\'f2uje r\'f4zne v\'fdklady, je nutn\'e9 ho spresni\'9d 40. k \'a7 37d ods. 1 p\'edsm. c) \endash ustanovenie je nejednozna\'e8n\'e9, ch\'fdba defin\'edcia \'84relevantn\'fdch pr\'edpadov\'93; 41. k \'a7 37d ods. 1 p\'edsm. c) je potrebn\'e9 vyhodi\'9d z textu posledn\'fd - 3. v\'fdskyt slovn \'e9ho spojenia \'84potenci\'e1lneho klienta\'93 a obdobne v \'a7 37d ods. 4 je potrebn\'e9 vyhodi\'9d z textu posledn\'fd - 2. v\'fdskyt slovn\'e9ho spojenia \'84potenci\'e1lneho klienta\'93 42. v \'a7 38 je nedostato\'e8ne definovan\'fd okruh os\'f4 b, nad ktor\'fdmi vykon\'e1va doh\'bead NBS; nezah\'e0\'f2a sprostredkovate\'bea z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu v sektore \'faverov na b\'fdvanie, ani sprostredkovate\'bea doplnkov\'e9ho poistenia; zrejme ide o chybu v n\'e1vrhu znenia 43. k \'a7 38 ods. 16 \endash navrhovan\'e9 ustanovenie je nejednozna\'e8n\'e9, treba definova\'9d presne, ak\'e9 \'84probl\'e9my os\'f4b vykon\'e1vaj\'facich finan\'e8n\'e9 sprostredkovanie\'93 s\'fa d\'f4vodom na informovanie Komisie; takto \'9airok\'e9 formul \'e1cie by nemali by\'9d s\'fa\'e8as\'9dou legislat\'edvneho textu; 44. k \'a7 42c \endash prechodn\'e9 ustanovenie \endash je nedostato\'e8n\'e9 z poh\'beadu konkretiz\'e1cie povinnost\'ed jednotliv\'fdch stup\'f2ov odbornej sp\'f4 sobilosti, je nevyhnutn\'e9 ho \'9apecifikova\'9d; menili sa podmienky aj po\'9eadovan\'e9 stupne; 45. Nie je jasn\'e9, ako sa m\'e1 vyklada\'9d \'84riadiaci org\'e1n\'93 (napr. v \'a7 22a ods. 6 p\'edsm. b) a na \'efal\'9a\'edch 7 miestach v texte) \endash evidentne ide o terminol\'f3giu prebrat\'fa z IDD. 46. Prechodn\'e9 obdobie na zos\'faladenie po\'9eiadaviek na odborn\'fa sp\'f4sobilos\'9d navrhujeme posun\'fa\'9d do 30.6.2019, vzh\'beadom na technick\'fa a organiza\'e8n\'fa n\'e1ro\'e8nos\'9d prisp\'f4sobenia sa, aj vzh\'beadom na to, \'9ee vykon\'e1vac\'ed predpis k z\'e1konu bude pravdepodobne k dispoz\'edcii najsk\'f4r za\'e8iatkom jesene, preto\'9ee usmernenie EIOPA (pod\'bea IDD \'e8l. 30 ods. 7) bude publikovan\'e9 k 23.8.2017. To v\'9a etko znamen\'e1 len nieko\'beko m\'e1lo mesiacov na na\'9au pr\'edpravu na zodpovedn\'fa realiz\'e1ciu. 47. NA ZV\'c1\'8eENIE: 1. doplni\'9d nov\'fd bod \'c8l\'e1nku II novely: 1. V \'a7 70 ods. 1 sa men\'ed p\'edsmeno b) a dop\'e5\'f2aj\'fa sa p\'edsmen \'e1 e) a\'9e j) a body 9 a\'9e 23, ktor\'e9 znej\'fa: \'84 b) poskytn\'fa\'9d neprofesion\'e1lnemu klientovi alebo potenci\'e1lnemu neprofesion\'e1lnemu klientovi inform\'e1cie, ktor\'e9 s\'fa potrebn\'e9 na to, aby mohol spr\'e1vne porozumie\'9d charakteru a rizik\'e1m poistnej zmluvy a n\'e1sledne zodpovedne prija\'9d rozhodnutie t\'fdkaj\'face sa poistnej zmluvy, a to inform\'e1cie o pr\'e1vnych n\'e1sledkoch uzavretia poistne zmluvy a o sp\'f4soboch a syst\'e9me ochrany pred zlyhan\'edm pois \'9dovne alebo pobo\'e8ky zahrani\'e8nej pois\'9dovne, c) poskytn\'fa\'9d potenci\'e1lnemu klientovi \'efal\'9aie dodato\'e8n\'e9 inform\'e1cie s\'favisiace s uzavret\'edm poistnej zmluvy tak, aby mohol n\'e1sledne zodpovedne prija\'9d rozhodnutie t\'fd kaj\'face sa uzavretia poistnej zmluvy, e) poskytn\'fa\'9d potencion\'e1lnemu neprofesion\'e1lnemu klientovi jednozna\'e8ne presn\'fdm a zrozumite\'ben\'fdm sp\'f4sobom p\'edsomne alebo na inom trvanlivom m\'e9diu inform\'e1ciu o existencii a povahe a v \'fd\'9ake odmeny vypl\'e1canej jej zamestnancom vo vz\'9dahu k uzatv\'e1ranej poistnej zmluve, f) informova\'9d potenci\'e1lneho klienta a klienta o v\'fd\'9ake poistn\'e9ho a akejko\'bevek platby inej ako poistn\'e9, ak ju m\'e1 klient po uzavret\'ed poistnej zmluvy plati\'9d, g) pri reklame a propag\'e1ci\'ed svojich poistn\'fdch produktov poskytova\'9d pravdiv\'e9, jasn\'e9, preh\'beadn\'e9 a nezav\'e1dzaj\'face inform\'e1cie a presne ozna\'e8i\'9d, \'9ee sa jedn\'e1 o reklamu alebo propag\'e1 ciu, h) ku ka\'9ed\'e9mu poistn\'e9mu produktu, ktor\'e9ho s\'fa tvorcom, vypracova\'9d informa\'e8n\'fd dokument o poistnom produkte pod\'bea osobitn\'e9ho predpisu28a). i) informova\'9d o postupe pri pod\'e1van\'ed s\'9da\'9enost\'ed a o osobitn\'fd ch predpisoch39) upravuj\'facich mimos\'fadne vyrovnanie sporov vypl\'fdvaj\'facich z uzatvorenej poistnej zmluvy, j) predlo\'9ei\'9d informa\'e8n\'fd dokument o poistnom produkte, ... (9) Pois\'9dov\'f2a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, pois\'9d ov\'f2a z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ka pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu je povinn\'e1 zisti\'9d a zaznamena\'9d po\'9eiadavky a potreby klienta, jeho sk\'fasenosti a znalosti t\'fdkaj\'face sa pr\'edslu\'9a nej poistnej zmluvy a inform\'e1cie o jeho finan\'e8nej situ\'e1cii, a to s oh\'beadom na povahu poistnej zmluvy, ktor\'e1 je predmetom ponuky poistenia. Pri ponuke poistenia investi\'e8n\'fdch produktov zalo\'9een\'fdch na poisten\'ed je pois\'9dov\'f2 a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2a z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ka pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu povinn\'e1 zisti\'9d aj inform\'e1cie, t\'fdkaj\'face sa schopnosti klienta zn\'e1\'9aa\'9d straty a inform\'e1cie o investi\'e8n\'fdch cie\'beoch klienta vr\'e1tane jeho odolnosti vo\'e8i riziku, aby tak pois\'9dov\'f2a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2a z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ka pois\'9d ovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu mohla klientovi odporu\'e8i\'9d investi\'e8n\'e9 produkty zalo\'9een\'e9 na poisten\'ed, ktor\'e9 s\'fa pre neho vhodn\'e9 a ktor\'e9 predov\'9aetk\'fdm zodpovedaj\'fa postoju klienta k riziku a schopnosti zn \'e1\'9aa\'9d straty. Na po\'9eiadanie pois\'9dovne, pobo\'e8ky zahrani\'e8nej pois\'9dovne, pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ky pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu je klient povinn\'fd p\'ed somne alebo na inom trvanlivom m\'e9diu potvrdi\'9d jej splnenie povinnost\'ed pod\'bea druhej vety alebo tretej vety. (10) Ak ide o profesion\'e1lneho klienta v zmysle osobitn\'e9ho predpisu, pois\'9dov\'f2a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, pois \'9dov\'f2a z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ka pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu je opr\'e1vnen\'e1 predpoklada\'9d, \'9ee tento klient m\'e1 potrebn\'fa \'farove\'f2 sk\'fasenost\'ed a znalost\'ed, ktor\'e9 mu umo\'9e \'f2uj\'fa porozumie\'9d rizik\'e1m s\'favisiacim s pr\'edslu\'9anou poistnou zmluvou a tieto rizik\'e1 je schopn\'fd finan\'e8ne zvl\'e1dnu\'9d. (11) Pois\'9dov\'f2a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2a z in\'e9ho \'e8lensk\'e9ho \'9a t\'e1tu a pobo\'e8ka pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu je povinn\'e1 na z\'e1klade inform\'e1ci\'ed zisten\'fdch pod\'bea odseku 9 poskytn\'fa\'9d klientovi odborn\'fa pomoc, inform\'e1cie a odpor\'fa\'e8ania, ktor\'e9 s\'fa pre neho vhodn\'e9 s oh\'beadom na inform\'e1cie zisten\'e9 pod\'bea odseku 9. (12) Ak pois\'9dov\'f2a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2a z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ka pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu nezist\'ed inform\'e1cie pod\'bea odseku 9, nesmie klientovi pon\'faknu\'9d uzavretie poistnej zmluvy; to neplat\'ed, ak klient preuk\'e1zate\'bene odmietne poskytn\'fa\'9d inform\'e1cie pod\'bea odseku 9 a trv\'e1 na uzavret\'ed poistnej zmluvy. (13) Ak pois\'9dov\'f2a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2a z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ka pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu vyhodnot\'ed na z\'e1klade inform\'e1ci\'ed pod\'be a odseku 9, \'9ee poistn\'e1 zmluva je pre klienta vhodn\'e1, predlo\'9e\'ed klientovi vyhl\'e1senie o vhodnosti p\'edsomne alebo na inom trvanlivom m\'e9diu. Ak pois\'9dov\'f2a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2a z in\'e9ho \'e8lensk \'e9ho \'9at\'e1tu a pobo\'e8ka pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu vyhodnot\'ed na z\'e1klade inform\'e1ci\'ed pod\'bea odseku 9, \'9ee finan\'e8n\'e1 slu\'9eba nie je pre klienta vhodn\'e1, upozorn\'ed na t\'fato skuto\'e8nos\'9d klienta p\'edsomne alebo na inom trvanlivom m\'e9diu. (14) Inform\'e1cie uveden\'e9 v odseku 1, ktor\'e9 poskytuje pois\'9dov\'f2a, pobo\'e8ka zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2a z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8ka pois\'9d ovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu klientovi alebo potenci\'e1lnemu klientovi, musia by\'9d a) p\'edsomn\'e9 alebo na trvanlivom m\'e9diu alebo poskytnut\'e9 prostredn\'edctvom webov\'e9ho s\'eddla, b) \'fapln\'e9, presn\'e9, pravdiv\'e9 , zrozumite\'ben\'e9, jednozna\'e8n\'e9, preh\'beadn\'e9 a nezav\'e1dzaj\'face, c) poskytnut\'e9 v slovenskom jazyku alebo v inom dohodnutom jazyku (15) Inform\'e1cie uveden\'e9 v odseku 1 mo\'9eno poskytn\'fa\'9d prostredn\'edctvom webov\'e9ho s\'ed dla, ak je ur\'e8en\'e9 osobitne pre klienta alebo ak s\'fa splnen\'e9 tieto podmienky: a) poskytnutie t\'fdchto inform\'e1ci\'ed prostredn\'edctvom webov\'e9ho s\'eddla je vhodn\'e9 s oh\'beadom na kontakt medzi pois\'9dov\'f2ou, pobo\'e8kou zahrani\'e8 nej pois\'9dovne, pois\'9dov\'f2ou z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8kou pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a klientom, b) klient s\'fahlasil s poskytnut\'edm t\'fdchto inform\'e1ci\'ed prostredn\'edctvom webov\'e9ho s\'ed dla, c) klient bol elektronicky informovan\'fd o adrese webov\'e9ho s\'eddla a o mieste na webovom s\'eddle, kde mo\'9eno z\'edska\'9d pr\'edstup k t\'fdmto inform\'e1ci\'e1m, d) je zabezpe\'e8en\'e9, \'9ee tieto inform\'e1cie s\'fa k dispoz\'ed cii na webovom s\'eddle primerane dlho na to, aby sa s nimi klient mohol obozn\'e1mi\'9d. (16) Poskytovanie inform\'e1ci\'ed pod\'bea odseku 1 s pou\'9eit\'edm in\'e9ho trvanliv\'e9ho m\'e9dia ne\'9e je p\'edsomn\'e1 forma alebo prostredn\'edctvom webov \'e9ho s\'eddla je mo\'9en\'e9 len v pr\'edpade, ak klient poskytol na tieto \'fa\'e8ely e-mailov\'fa adresu. (17) Ak s\'fa inform\'e1cie adresovan\'e9 neprofesion\'e1lnemu klientovi alebo potenci\'e1lnemu neprofesion\'e1lnemu klientovi, a) musia by\'9d presn\'e9 a nesm\'fa zd\'f4raz\'f2ova\'9d \'9eiadne potenci\'e1lne v\'fdhody poistnej zmluvy bez toho, aby z\'e1rove\'f2 presne a v\'fdrazne nepouk\'e1zali na ak\'e9ko\'bevek s\'favisiace rizik\'e1, b) musia by\'9d predkladan\'e9 tak\'fdm sp\'f4 sobom, o ktorom mo\'9eno predpoklada\'9d, \'9ee mu porozumie klient, ktor\'e9mu s\'fa inform\'e1cie ur\'e8en\'e9 alebo ktor\'fd bude ich pravdepodobn\'fdm pr\'edjemcom, c) nesm\'fa zaml\'e8ova\'9d alebo znejas\'f2ova\'9d d\'f4le\'9eit\'e9 skuto\'e8 nosti, vyhl\'e1senia alebo varovania a ani zni\'9eova\'9d ich v\'fdznam. (18) Ak ide o neprofesion\'e1lneho klienta, inform\'e1cie musia by\'9d poskytnut\'e9 v dostato\'e8nom \'e8asovom predstihu pred uzavret\'edm poistnej zmluvy na trvanlivom m\'e9di u alebo prostredn\'edctvom internetovej str\'e1nky. (19) Povinnos\'9d poskytn\'fa\'9d inform\'e1cie na trvanlivom m\'e9diu sa pova\'9euje za splnen\'fa, ak sa inform\'e1cie poskytuj\'fa na inom trvanlivom m\'e9diu, ako je p\'edsomn\'e1 forma, ak a) poskytovanie inform\'e1ci\'ed na tomto trvanlivom m\'e9diu je vhodn\'e9 vzh\'beadom na okolnosti, za ktor\'fdch sa poistn\'e1 zmluva poskytuje neprofesion\'e1lnemu klientovi, b) si neprofesion\'e1lny klient z ponuky poskytnutia inform\'e1ci \'ed v p\'edsomnej forme alebo na inom trvanlivom m\'e9diu vopred zvolil t\'fato formu poskytnutia inform\'e1ci\'ed. (20) V inform\'e1ci\'e1ch poskytovan\'fdch klientom alebo potenci\'e1lnym klientom sa nesmie pou\'9e\'edva\'9d n\'e1zov N\'e1rodn\'e1 banka Slovenska ani n\'e1zov \'9eiadneho in\'e9ho pr\'edslu\'9an\'e9ho org\'e1nu sp\'f4sobom, ktor\'fd by vytv\'e1ral myln\'fd dojem, \'9ee tento org\'e1n podporil alebo schv\'e1lil poistn\'e9 slu\'9eby poskytovan\'e9 pois\'9dov\'f2ou, pobo\'e8 kou zahrani\'e8nej pois\'9dovne, pois\'9dov\'f2ou z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu a pobo\'e8kou pois\'9dovne z in\'e9ho \'e8lensk\'e9ho \'9at\'e1tu. (21) Ak sa inform\'e1cie poskytovan\'e9 neprofesion\'e1lnemu klientovi alebo potenci\'e1 lnemu neprofesion\'e1lnemu klientovi odvol\'e1vaj\'fa na konkr\'e9tny da\'f2ov\'fd re\'9eim, mus\'ed v nich by\'9d v\'fdslovne uveden\'e9, \'9ee da\'f2ov\'fd re\'9eim z\'e1vis\'ed od individu\'e1lnej situ\'e1cie klienta a v bud\'facnosti sa m\'f4\'9e e zmeni\'9d. (22) Povinnos\'9d poskytn\'fa\'9d inform\'e1cie sa nevz\'9dahuje na poistenie ve\'bek\'fdch riz\'edk. (23) Ustanoveniami odsekov 1 a 9 a\'9e 22 nie s\'fa dotknut\'e9 ustanovenia osobitn\'fdch predpisov upravuj\'face poskytovanie inform\'e1ci \'ed. Od\'f4vodnenie: Navrhujeme doplni\'9d z\'e1kon \'e8. 39/2015 Z.z. o pois\'9dovn\'edctve a o zmene a doplnen\'ed niektor\'fdch z\'e1konov v znen\'ed neskor\'9a\'edch predpisov o povinnosti rovnocenn\'e9 s v\'fdkonom finan\'e8n\'e9 ho sprostredkovania, a to najm\'e4 o zapracovanie nasledovn\'fdch povinnost\'ed ktor\'e9 by sa mali rovnako vz\'9dahova\'9d na pracovn\'edkov finan\'e8n\'fdch in\'9atit\'faci\'ed pon\'fakaj\'facich poistenie: - \'a7 33 z\'e1kona \'e8 . 186/2009 Z.z. v rozsahu inform\'e1ci\'ed poskytovan\'fdch priamo o poistnom produkte po zapracovan\'ed novely (v zmysle ods. 3, ods. 4 p\'edsm. e), f), ods. 7 a\'9e 20 primerane), - \'a7 35 z\'e1kona \'e8. 186/2009 Z.z., - \'a7 37b z\'e1kona \'e8 . 186/2009 Z.z. (bod 96 novely), - \'a7 37d z\'e1kona \'e8. 186/2009 Z.z. (bod 96 novely). Smernica o distrib\'facii poistenia stanovuje, aby klient mal k dispoz\'edcii porovnate\'ben\'e9 inform\'e1cie o poistnom produkte a postup distrib\'fa cie poistenia bez oh\'beadu na to, ktor\'fd distribu\'e8n\'fd kan\'e1l vyu\'9eije. S prihliadnut\'edm na t\'fato skuto\'e8nos\'9d je potrebn\'e9, aby aj pracovn\'edci pois\'9dovne v r\'e1mci procesu uzatv\'e1rania poistnej zmluvy zis\'9dovali, \'e8 i poistn\'fd produkt je pre klienta a jeho aktu\'e1lne potreby vhodn\'fd a poskytovali mu \'efal\'9aie inform\'e1cie o poistnom produkte tak, aby klient vedel prija\'9d \'e8o najkvalifikovanej\'9aie rozhodnutie. \cell }\pard \ltrpar \qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 O\cell \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14894370 \par \par \'c8A\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0\pararsid14894370 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14894370 \par }{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid14894370\charrsid11404791 Vzh\'beadom na ve\'bek\'e9 mno\'9estvo navrhovan\'fdch zmien v\~jednej pripomienke nie je mo\'9en\'e9 vyhodnocova\'9d individu\'e1lne.}{\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid14894370 \par \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow360\irowband360\ltrrow\ts11\trqc\trleft-8\trbrdrt \brdroutset\brdrw15\brdrcf1 \trbrdrl\brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'8a\'da SR\cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 Odoslan\'e9 bez pripomienok\cell \cell \cell \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow361\irowband361\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MHSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 Odoslan\'e9 bez pripomienok\cell \cell \cell \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow362\irowband362\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 MZVaEZSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 Odoslan\'e9 bez pripomienok\cell \cell \cell \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow363\irowband363\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 NB\'daSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 Odoslan\'e9 bez pripomienok\cell \cell \cell \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd \irow364\irowband364\ltrrow\ts11\trqc\trleft-8\trbrdrt\brdroutset\brdrw15\brdrcf1 \trbrdrl \brdroutset\brdrw15\brdrcf1 \trbrdrb\brdroutset\brdrw15\brdrcf1 \trbrdrr\brdroutset\brdrw15\brdrcf1 \trftsWidth2\trwWidth4635\trftsWidthB3\trftsWidthA3\trautofit1\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5841579\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl \brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth652\clshdrawnil\clhidemark \cellx1703\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth2548\clshdrawnil\clhidemark \cellx8389\clvertalc\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb \brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth227\clshdrawnil\clhidemark \cellx8985\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth215\clshdrawnil \cellx9549\clvertalt\clbrdrt\brdroutset\brdrw15\brdrcf1 \clbrdrl\brdroutset\brdrw15\brdrcf1 \clbrdrb\brdroutset\brdrw15\brdrcf1 \clbrdrr\brdroutset\brdrw15\brdrcf1 \cltxlrtb\clftsWidth2\clwWidth1358\clshdrawnil \cellx13113\row \ltrrow}\pard \ltrpar\qc \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \ab\af40\afs25 \ltrch\fcs0 \b\f40\fs25\insrsid8003565 \'daJDSR \cell }\pard \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\rin0\lin0 {\rtlch\fcs1 \af40\afs25 \ltrch\fcs0 \f40\fs25\insrsid8003565 Odoslan\'e9 bez pripomienok\cell \cell \cell \cell }\pard \ltrpar \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\ipgp2 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8003565 \trowd 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