WPCi1 V{=:S:E- z\TbK jP$QYndP4R#:YC/D+SeY! LXWϏڃp^H:cRrd1M + wx!Վ0 r $5f2A?alHb:-VܓTWL*)(pvSW%Ԕv;IGj2}<31I:OaM.H5[G =" .4x1Rw5#LEr@Ѓ6;v#h\ R5~ Lnx0f~(KQ^nBH>91X&+5{  a\)jaPn@;]_ΊV; \9KpE׌#ekHLG4{3yx *  X-8dd8% ^^` Adobe PDF0W:\COREL8\TEMPLATE\CUSTOMWP\SKJRI~4T.WPTW:\corel8\template\customwp\Skjritun4.wptiR =?EKQW_gmstafl.a.1.a.1.(a)(i)1)a))'\  `TimesRoman3#37=CIQYag1.a.i.(1)(a)(i)1)a)xRό|)3|x6Times New Roman Regular UF*MIVJMiWjar texta.@a..  i)*ee=(/LH I '\  `TimesRomanI I '\  `TimesRomanI(ehCEKQW]cioAutoList4a.a.a.a.a.a.a.a.>*SKLSkletur.(EhCEKQW]cioAutoList2a.a.a.a.a.a.a.a.8DocumentManagement::ModifiedBooleanTRUE(xir$0  0` (#(#0 ` (#` (#2#(  0  )3  0 (# (#($          gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)(5hCEKQW]cioAutoList1a.a.a.a.a.a.a.a.ABCD %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.(3Ġ$ !}XXXXTRW6&A4X3' Letter 6&A43'LetterTYXX#ggdd  ISUS.,    -zv > *  X-8YdXXd8% ^^`   (3Ġ$ !}XXXXTRW6&A4X3' Letter 6&A43'LetterTYXX#ggdd  ISUS.,    -zv > *  X-8YdXXd8% ^^`   (3$ !}XXXXTRW6&A4X3' Letter 6&A43'LetterTYXX#ggdd  ISUS.,    -zv > *  X-8YdXXd8% ^^`    d (uhCEKQW]cioAutoList51.1.1.1.1.1.1.1.(M0J$2  0  .3  0 ` (O;$0  2#  a  .3  0` (#(#(u$0  0` (#(#` `  2  a  .3  0` (#` (#(`$0  0` (#(#0 ` (#` (#0 (# (#"h2  0  .3  0(#(#\:GreinarfyrirGreinarfyrirsgn    T |:GreinarnmerGreinarnmer    X:KaflafyrirsKaflafyrirsgn     L |6KaflanmerKaflanmer     d(UhCEKQW]cioAutoList3a.a.a.a.a.a.a.a. " 6Ġ'X?uXXX{XX?u#ggdd  ISUS.,  -zv > *  X-  _  D   8Ġ)X?uXXX{XX?u#ggdd  ISUS.,  -zv > *  X-  _Ԁ>c$"Small Circle"0 )Hairline d !}X?uXXXTRW6&A4X3' Letter 6&A43'LetterT{XX?u#ggdd  ISUS.,    -zv > *  X-8{dd8% ^^`   _ 4ABCD(%03  }su  @@ 1 { @(`Lg  #{#  X?uX{umnUtingulandieigurkisinsatvinnuskyni.#{XX?u# )   ~r@%`________    O|    O|x  I.KAFLIO|x݌ ?  Ќ   N     N   MarkmiW,gildissviWogorWskUringar.N 5݌    Ќ    K|    K|  1.gr.K|݌   Ќ   J    J]  MarkmiW.J]݌ x  Ќ    y MarkmiWlagaYessaraeraWstuWlaaWhagkvmrinUtingu,sjlfbrni,aWgengiogupp kC bygginguinnviWaogatvinnulfslandieigurkisinsaWteknutillititiljafnrWis,hlutlgni, 6 gagnsisogsamkeppnissj;narmiWa{{meWYveinkumaW#{{* #:   *(g004ABCD"A0J"  A0J  y2g  a  .3  Ԉ0    aukasamkeppniumthlutuntakmarkaWragWa,A0J J ݌   Ќ  "A0J"  A0J+  y2g  b  .3  Ԉ0    stuWlaaWfaglegritlanagerWumnUtingulandseigurkisins,A0J+ X ݌o   Ќ  "A0J"  A0JT  y2g  c  .3  Ԉ0    tryggjaeWlilegtendurgjaldfyrirnUtingulandieigurkisins,A0JT ݌b:   Ќ  "A0J"  A0Jy  y2g  d  .3  Ԉ0    aukafjrfestingarinnviWumtilaWtryggjaryggi,upplifungesta,nauWsynlegaupp - bygginguogaWstWu,A0Jy ݌   Ќ  "A0J"  A0J y2g  e  .3  Ԉ0    stuWlaaWtvistunYj;nustueWauppbyggingu,einkumYegarekkierumaWrWakjarna  verkefnivegumhinsopinbera,A0J݌f   Ќ  "A0J"  A0Jc y2g  f  .3  Ԉ0    verndanttruverndarsvWiognnurviWkvmsvWifyrirtroWningi.A0Jc݌Y1   Ќ   y LgYessitakmarkaekkinUtingu;beinnaeignarrttindalandieigurkisins. $ K|    K|   2.gr.K| 0݌  Ќ   J    J  GildissviW.J݌ ] Ќ    y LgYessitakatilrWstfunarlandseiguslenskarkisinsogstofnanaYesstilatvinnu P( tengdrarstarfsemi.NnartiltekiWerttviWrkisaWilaAogBhlutarkissj;Ws.    y LgintakatilallslandseigurkisinsogstofnanaYess,;hWYvhverfermeWumsUslu ! Yess,Y.m.t.rkisjarWa,Yj;Wlendna,Yj;WgarWaogfriWlUstrasvWa.  "  y Lgingildaekkium: |!T# ! !"A0J"  A0J y2g  a  .3  Ԉ0    samningamillirkisins,stofnanaYessogsveitarflaga,A0J݌G"$   Ќ  "A0J"  A0J y2g  b  .3  Ԉ0    slulandseigurkisins,A0J݌#%   Ќ  "A0J"  A0J y2g  c  .3  Ԉ0    bWareWalandbnaWarnotjrWumeWalandieWaleigul;WaundirfrstundahseWa #& bWarhs,A0J݌$ '   Ќ  "A0J"  A0J y2g  d  .3  Ԉ0    leit,ranns;knirogvinnslukolvetniseWahagnUtingu,eWaundirhafsbotniutan s%K!( netlaga,A0JB݌>&")   Ќ  "A0J"  A0Jm y2g  e  .3  Ԉ0    nUtingufasteignarttindum,Y.m.t.vatnsrttindum,jarWhitarttindum,vindorku,nmu  '"* rttindumoglaxogsilungsveiWirttindum;YgildalginekkiumnUtingulandssem '#+ ernnumtengslumviWnUtinguYessararttinda.A0Jm݌(w$,      j)B%- K|    K|  & ,  3.gr.K|݌ ( Ќ   J    J6  GildissviWgagnvartsveitarflgum.J6`݌  Ќ    y LgYessitakaekkitilsveitarflaganemaYegarrWstafalandieigurkisinsYarsem  sveitarflg',(farameWtiltekinverkefni,umsUslueWareksturogrWstfuninnrviWmiWum a fyrirauglUsinguskv.14.gr.SveitarflgumerY;heimiltaWbeitalgunumheildeWaaW T, hlutaviWrWstfunlandiYeirraeigu.  K|    K|  4.gr.K|݌   Ќ   J    J`   OrWskUringar.J` ݌  X Ќ    y MerkingorWalgumYessumersemhrsegir: K #  ! ! 4ABCD(%00*"A0J"  A0J! y2%  1  .3  Ԉ0    Atvinnutengdstarfsemi:Xj;nustasemerveittatvinnuskynigegnendurgjaldi.A0J!'"݌     Ќ  "A0J"  A0J0# y2%  2  .3  Ԉ0    AuglUsingarggn:SkjlsemleyfisveitandilturteWavsartiloglUsaeWakvarWa    rWstfunlandsgrundvellilagaYessara.A0J0#]#݌    Ќ  "A0J"  A0J$ y2%  3  .3  Ԉ0    Bj;Wandi:FyrirtkisemlagthefurframtilboW.A0J$$݌wO    Ќ  "A0J"  A0J% y2%  4  .3  Ԉ0    FriWlUstsvWi:SvWisemhafaveriWfriWlUstsamkvmtlgumumnttruverndeWa B  grundvellisrlaga.A0J%&݌     Ќ  "A0J"  A0JN' y2%  5  .3  Ԉ0    Fyrirtki:SamheitiyfirYsemgera,eWahafahugaWgera,nUtingarsamningeWasamn   ingumrekstrareWasrleyfi.SamheitiWernotaWntillitstilrekstrarformsoggeturYv {  tekiWjafnttileinstaklingaoglgaWilasemstundaatvinnutengdastarfsemi.A0JN'{'݌nF   Ќ  "A0J"  A0Jz) y2%  6  .3  Ԉ0    Leyfishafi:Samheitiyfirrekstrarogsrleyfishafa.A0Jz))݌9   Ќ  "A0J"  A0J* y2%  7  .3  Ԉ0    Leyfisveitandi:SrkisaWili,eWaannaropinberaWilisemfermeWumsUslulandseigu  rkisins,semveitirleyfieWagerirsamninggrundvellilagaYessara.A0J**݌   Ќ  "A0J"  A0J=, y2%  8  .3  Ԉ0    NUtingarsamningur:SamningurviWfyrirtkisemveitirYvheimildtilYessaWstunda r atvinnutengdastarfsemitilteknusvWi,sbr.9.gr.A0J=,j,݌e=   Ќ  "A0J"  A0J- y2%  9  .3  Ԉ0    RekstrarleyfieWarekstrarleyfissamningur:Skriflegursamningur,fjrhagslegseWlis,Yar 0 semrekstrarleyfishafifrleyfitilaWveitatilteknaYj;nustunnarskilgreindusvWi,  sbr.7.gr.A0J--݌   Ќ  "A0J "  A0J/ y2%  10  .3  Ԉ0    Rekstrarleyfishafi:FyrirtkisemhefurfengiWrekstrarleyfigrundvellilagaYessara.A0J//݌i   Ќ  "A0J "  A0J0 y2%  11  .3  Ԉ0    RkisaWili:AWilisemfermeWrkisvaldeWastofnun,sj;WureWafyrirtkisemeraWhlfu \4 eWameirihlutaeigurkisins.RkisaWilarskiptastA,BogChluta,sbr.lgumopin ' berfjrml.A0J01݌   Ќ  "A0J "  A0J2 y2%  12  .3  Ԉ0    RkisjarWir:JarWireigurkisins,opinberrastofnanaogopinberrasj;Wavegum  rkisins.A0J2 3݌`    Ќ  "A0J "  A0J=4 y2%  13  .3  Ԉ0    SrleyfieWasrleyfissamningur:Skriflegursamningur,fjrhagslegseWlis,Yarsemsr S+! leyfishafifreinn,eWameWWrum,afnotaflandieigurkisinsogeinkartttilYessaW " sinnaatvinnutengdristarfsemieWaveitatilteknaYj;nustuviWkomandilandi,sbr.6.gr.A0J=4j4݌#   Ќ  "A0J "  A0J|6 y2%  14  .3  Ԉ0    Srleyfishafi:FyrirtkisemhefurfengiWsrleyfigrundvellilagaYessara.A0J|66݌ $   Ќ  "A0J"  A0J7 y2%  15  .3  Ԉ0    Xj;Wlendur:LandsvWiutaneignarlandaY;aWeinstaklingareWalgaWilarkunniaWeiga !W% YartakmrkuWeignarrttindi.A0J77݌J""&   Ќ  O|    O|D9  II.KAFLIO|D9k9݌ #( Ќ   N     N9  Almennarreglur.N9:݌ $ ) Ќ    K|    K|y:  5.gr.K|y::݌ v%N!* Ќ   J    J ;  MeginreglurumnUtingulands.J ;4;݌ A&"+ Ќ    y ViWmeWferWlandieigurkisinsskallgWherslaskUra,skilvirkaoghagkvma  '",  nUtingusemoggagnsi,hlutlgniogjafnrWiviWkvarWanatku. '#- @      y & a  RWstfungrundvellilagaYessaraskaltakamiWafsjlfbrriYr;un,varWarsj;narmiWum ( ogWrumumhverfissj;narmiWum,samtYvaWdregiWseinsogkosturerrneikvWumum  hverfishrifumframkvmda.'a(<   y HmarkaskaleinsogkosturervirWilandseigurkisinsmeWfaglegri,traustrioghag a kvmriumsUslu. T,  y RWstfunskalverasamrmiviWforathugunskv.10.gr.XskaltakamiWafWrum  stefnumogtlunumrkisinslandsvsueinsogviWhverjusinni.   y :heimilterWrumenleyfishafaeWafyrirtkisemhefurnUtingarleyfiaWrekasambrilega   atvinnutengdastarfsemilandsvWiYarsemgerteraWskilyrWiaWfyrirtkihafisamningum  X srleyfi,rekstrarleyfieWanUtingu. K #  K|    K|*A  6.gr.K|*AQA݌    Ќ   J    JA  Srleyfi.JAA݌   Ќ    y MeWsrleyfierttviWskriflegansamning,fjrhagslegseWlis,Yarsemsrleyfishafifr wO  einn,eWameWWrum,afnotaflandieigurkisinsogeinkartttilYessaWsinnatiltekinni B  atvinnutengdristarfseminnarskilgreindusvWi.Efsrleyfishafarerufleirieneinnsama    landsvWimskiptanUtingunnimeWYeim,t.d.innandagseWamillidaga,viknaeWamnaWa.   SkilgreinaskalskiptingunaauglUsingarggnum. {   y SrleyfigeturveriWveittm.a.tiltvistunarYj;nustusemrkisaWilarmunduaWllujfnu nF sjumeWatilatvinnutengdrarstarfsemisemeinkaaWilarhafahugaWrekaogrkisaWilar 9 munduviWvenjulegaraWstWurekkistandafyrir.   y SrleyfishafiberallahttuafrekstrisnumogfraWjafnaWiekkisrstaktendurgjaldfr  leyfisveitanda.RttursrleyfishafageturfalistaWveitatilteknaYj;nustu,hagnUtalandiWog r innheimtaendurgjald{{fyrir#{{G#ԀveittaYj;nustu.GjaldsrleyfishafatilleyfisveitandageturveriW e= bWifastleigugjaldoggjaldsemmiWastviWkveWiWhlutfallafveltu,sbr.22.gr. 0 K|    K|:H  7.gr.K|:HaH݌  Ќ   J    JH  Rekstrarleyfi.JHH݌ i Ќ    y MeWrekstrarleyfierttviWskriflegansamning,fjrhagslegseWlis,Yarsemrekstrarleyfis \4 hafifrleyfitilaWveitatilteknaYj;nustunnarskilgreindusvWi.Ekkiskaltakmarka ' fjldarekstrarleyfishafaumframYaWsemnauWsynlegtertilaWnYeimmarkmiWumsemaW  erstefnt.  K|    K|K  8.gr.K|K8K݌ S+! Ќ   J    JK  HeimildtilaWgerasrleyfisogrekstrarleyfissamninga.JKK݌ " Ќ    y Leyfisveitandi,samrWiviWhlutaWeigandirWherra,skal;skaeftirviWrWherraaWheim # ildarsaflaWheimildagreinfjrlagarhverttilaWrWstafalanditilafnotameWsrleyfis  $ eWarekstrarleyfissamningumsemnviWmiWumfyrirauglUsingaskylduskv.14.gr.,suekki !W% tilstaWarheimildirsrlgumtilrWstfunar. J""&  y Xrttfyrir1.mgr.erleyfisveitandaheimilt,nsrstakrarlagaheimildarenmeWsamYykki #' rWherraoghlutaWeigandirWherra,aWgerasrleyfiseWarekstrarleyfissamningeftlaW #( verWmtisamningsinserjafnteWaundir150millj.kr.VerWmtisamningsskalreiknasam $ ) rmiviW14.gr. v%N!*  y HeimilteraWgerasrleyfiseWarekstrarleyfissamningam.a.tilaWtakmarkafjldaYeirra A&"+ gestasemkomastaWhverjusinnieWafjldaYeirraaWilasemrekasambrilegaatvinnutengda  '", starfsemiviWkomandisvWi,t.d.vegnaverndarmarkmiWa,upplifunargesta,hagkvmnieWa '#-  ryggis. (z$.  y &   SamningstmiskalekkiveralengriennauWsynkrefurvegnafyrirhugaWrarnUtingareWa ( eWlis'(Qhennar.Srleyfiskalalmenntekkiveitttillengritmaen20raogrekstrarleyfiekkitil  lengritmaen10ra,nemasrstakarstWurmlimeWYv.HeimilteraWframlengjasamn  ingstmatilvikisrleyfatilalltaW10raefgetiWhefurveriWumheimildinaauglUsingar a ggnum. T, K|    K|S  9.gr.K|ST݌  Ќ   J    JjT  NUtingarsamningur.JjTT݌   Ќ    y EfYrferyfirsUneWaeftirlitimeWfyrirtkjumsemrekastarfsemilandieigurkisins,  X tilaWstuWlaaWmarkmiWumlagaYessara,erheimiltaWgeraYaWaWskilyrWifyrirstarfseminni K #  aWfyrirtkigerisamningviWviWkomandirkisaWilaumnUtingulandsins.     y RWherraskalreglugerWtilgreinaYausvWiYarsemkrafisternUtingarsamnings.RW    herraskalsetjasamningsskilmla,reglurogskilyrWifyrirumrddristarfsemisemfyrirtki   skulusamYykkjaums;knarferliumnUtingarsamning.0reglugerWskalkomaframfrhvaWa wO  tmaer;heimiltaWrekaatvinnutengdastarfsemi{{srhverju#{{QX#ԀsvWinnUtingarsamnings.S B  annaWekkitekiWframreglugerWinniskalvera;heimiltaWrekaatvinnutengdastarfsemi    viWkomandilandsvWi,nnUtingarsamnings,fimmmnuWumfrbirtinguhennar.    y HeimilteraWinnheimtafastaWstWugjaldfyrirnUtingarsamningog/eWamiWagjaldviW {  kostnaWvegnasamningsgerWar,veitingarleyfa,umsj;narogeftirlitsmeWstarfseminni.RW nF herrakveWurfjrhWgjaldsinsognnarafyrirkomulaggjaldtkureglugerW. 9  y NUtingarsamningurskalaWjafnaWiveratilYriggjaraenrWherraerheimiltreglugerW  aWskilgreinaannansamningstmatilteknumsvWum.EkkiskalgeranUtingarsamningatil  skemmritmanemafyrirYvsusrstakarstWur. r  y GttskalaWYvaWsamningsferlishvorkiYyngjandinkostnaWarsamtfyrirfyrirtki. e= Xskulusamningsskilmlarverah;flegirogekkigangalengraennauWsynlegtertilaWn 0 YeimmarkmiWumsemaWerstefnt,t.d.umryggieWaverndunlandsvWa.   y RWherraogrkisaWilumerheimiltaWkomaupprafrnuferlifyrirums;kniraWilasem  hyggjastarfsemiinnanmarkalandseigurkisinssemkrefstnUtingarleyfis. i  y kvWiumnUtingarsamningalgumumYj;WgarWinnXingvllumoglgumumVatna \4 jkulsYj;WgarWskulugangaframarkvWiYessu. ' O|    O|_  III.KAFLIO|__݌  Ќ   N     NS`  tlanagerWogmannvirki.NS`}`݌ `  Ќ    K|    K|a  10.gr.K|a*a݌ S+! Ќ   J    Ja  tlanagerW.Jaa݌ " Ќ    y WurentekinerkvrWunumaWauglUsasrleyfiseWarekstrarleyfissamning,semupp # fyllirviWmiWumauglUsingaskyldu,skalfaraframforathugunYarsemYrfergreindogval  $ kostirmetnirogbornirsaman.Forathugunskalm.a.takatileftirfarandiatriWa,eftirYvsem !W% viW: J""& / /"A0J"  A0J d y2%  1  .3  Ԉ0    HvortYrfsYvaWtakmarkafjldaYeirragestasemkomastaWhverjusinnieWafjlda #' YeirraaWilasemrekasambrilegaatvinnutengdastarfsemiviWkomandisvWi,t.d. #( vegnaverndarmarkmiWa,upplifunargesta,hagkvmnieWaryggis.A0J d6d݌$ )   Ќ  "A0J"  A0Jf y2%  2  .3  Ԉ0    TakaskalrkstuddaafstWutilYesshversvegnarekstrareWasrleyfiernauWsynlegttil v%N!* aWnYeimmarkmiWumsemaWerstefntogjafnframthvortfyrirkomulagiWhentarbetur A&"+  {{hverjusinni#{{g#.A0JfKf݌ '",   Ќ  "A0J"  A0JGh y2%  3  .3  Ԉ0    & a  SkilgreinaskalnUtingumannvirkjaeWaheimildirtilaWreisamannvirkisamrmiviW ( 11.og12.gr.og,eftirYvsemviW,takaafstWutilYesshvernigfarameWmannvirki  viWloksamnings,sbr.13.gr.'a(hA0JGhth݌   Ќ  "A0J"  A0Jbj y2%  4  .3  Ԉ0    {{SkilgreinaskalhvaWa#{{j#ԀskilmlaYarfaWsetjatilaWtryggjaaWmarkmiWlagaYessaraog a YeirralagasemkunnaaWgildaumhlutaWeigandisvWisuuppfyllt.A0Jbjj݌T,   Ќ  "A0J"  A0JPl y2%  5  .3  Ԉ0    TakaskalafstWutilYesshversumargirrekstrareWasrleyfishafarskuluveratfr  YolmrkumeWaWrumeiginleikumsvWisins.A0JPl}l݌   Ќ   y ViWforathugunskal,eftirYvsemviW,;skaeftirumsgnumviWkomandisveitarflaga   ogannarrahlutaWeigandistj;rnvalda.UpplUsaskalaWilasemrekaatvinnutengdastarfsemi  X tilteknusvWiumaWformaWsaWrWstafalandimeWsrleyfiseWarekstrarleyfissamningi K #  meWhfilegumfyrirvaraWurenrWstfuninerauglUst.     y RWherraseturreglugerWnnarikvWiumforathugun,svosemumefnisatriWiogmls    meWferWhennar.   K|    K|fp  11.gr.K|fpp݌ B  Ќ   J    Jp  NUtingmannvirkjaeigurkisins.Jp"q݌    Ќ    y ViWforathuguntilvikisrleyfiseWarekstrarleyfissamningseWaaWdragandanUtingar   samningsskv.9.gr.skalfaraframmatYvhvortYrfsaWveitaleyfishfumeWafyrirtkj {  umaWgangaWmannvirkjum,eWaWrumfjrfestingumogaWstWu,eigurkisins.Geraskal nF srstakanleigusamningumafnotinogskuluhelstuskilmlarslkssamningskomaframaug 9 lUsingarggnumeWasamningsskilmlum,sYesskostur.0samningnumskalgerakrfurum  umgengniogviWhaldYessarafjrfestingaogskalleyfishafaeWafyrirtkiaWjafnaWivera  ;heimiltaWveitaWrumheimildtilaWnUtaYr,hvortsemertillnseWaframleigu,nemaaW r fengnusamYykkileyfisveitanda. e= K|    K|`u  12.gr.K|`uu݌  Ќ   J    Ju  HeimildtilaWreisamannvirki.Juv݌  Ќ    y ViWforathugunskalfaraframmatYvhvortYrfsaWveitasrleyfiseWarekstrar i leyfishafaheimildtilYessaWreisamannvirkilandieigurkisins.0tilvikirekstrarleyfaskal \4 almenntekkiveitaheimildtilaWreisaumfangsmikilmannvirki.:heimilteraWveitafyrir ' tkjumsemgerthafanUtingarsamningheimildtilaWreisamannvirki,nnurentmabundin  oglausmannvirki.   y XegarleyfishafaerveittheimildtilaWreisamannvirkiogaWraaWstWulandinuskalsam `  hliWasrleyfiseWarekstrarleyfissamningigerWurl;WarleigusamningurviWleyfishafa,sem S+! skalm.a.innihaldakvWiumgildistma,skilyrWiumframkvmdahraWaogskilyrWiumviW " haldsamningstma.Helstuskilmlarl;WarleigusamningsskulukomaframauglUsingar # ggnum,sYesskostur.RWherrageturreglugerWtfrtnnarYauskilyrWiogskilmlasem  $ frameigaaWkomal;Warleigusamningi. !W%  y LeyfisveitandiskilgreinirauglUsingarggnumleyfilegastrWmannvirkja,efniYeirra, J""& tlitognnursambrilegatriWienleyfishafigreiWirfyrirallavinnuviWhnnunogeftirat #' vikumskipulagsgerW,nemasvinnahafifariWframfyrristigum.Mannvirkiskalfallasem #( bestaWumhverfi,rUrasemminnstvWerniogekkivaldagr;WureWajarWvegseyWinguumfram $ ) YaWsemnauWsynlegter.LeyfishafaerskyltaWreisamannvirkiWmeWhagkvmumhtti. v%N!*  y MannvirkiskuluverasamrmiviWgildandiskipulagstlanir.LeyfishafiberkostnaW A&"+  afogbyrgWaWfenginsulltilskilinleyfifyrirmannvirkjumogannarriaWstWu.  '",  y & a  MannvirkiWverWureiguleyfishafasamningstmaentakaskalafstWutilYessl;War ( leigusamningihvortogaWhvaWamarkihonumerheimiltaWveitaWrumheimildtilaWnUta  YaW,hvortsemertillnseWaleigu.'a(    y Rkissj;WureWaeftiratvikumleyfisveitandihefurforkaupsrttaWmannvirkinuogannarri a aWstWuleyfishafalandinu.FresturtilaWsvaraforkaupsrttartilboWiskalvera60dagarfr T, YvaWtilboWiWbarst.  K|    K|  13.gr.K|ہ݌   Ќ   J    JF  Lokl;Warleigu.JFp݌  X Ќ    y Samningstmil;WarleiguskaltakamiWaftmalengdrekstrareWasrleyfis.Efrekstrar K #  eWasrleyfissamningierrift,hannrennursittskeiWendaeWafellurniWurafWrumstWum    meWanl;WarleigusamningurergildierrWherraheimiltaWtakamannvirkiogaWraaWstWu    leigunmitilaWtryggjaframhaldandirekstursvWinu.LeyfisveitandaerheimiltaWfram   leigjamannvirkiWWrum,nsamYykkisleyfishafa,enleyfisveitandinnberframbyrgW wO  efndumsamningsins.EfaWilarkomasrekkisamanumleiguverWskalYaWkveWiWsam B  kvmtlgumumframkvmdeignarnms.     y EfekkierumannaWsamiWskalleyfishafifjarlgjaeiginkostnaWlausmannvirkiogum   merkivegnastarfseminnarviWsamningslok.EfumeraWrWavaranlegaaWstWuskalkoma {  framauglUsingarggnumeWal;WarleigusamningihvernigfaraskulimeWmannvirki,aWra nF aWstWuoglandbturviWleigulok.TakaskalafstWutilYessforathugunhvaWainnlausnar 9 aWferWverWurfyrirvalinu.RWherraerheimiltreglugerWaWmlannarfyrirumyfirfrslu  mannvirkisviWlokl;WarleiguogtfrslurinnlausnaraWferWumtfrkveWnumskilyrWum  ogmiWaWviWtilteknaraWstWur. r O|    O|s  IV.KAFLIO|s݌ 0 Ќ   N     N  AuglUsingaskylda,aWferWiroghagstWastaverW.N1݌  Ќ    K|    K|֊  14.gr.K|֊݌  Ќ   J    Jh  ViWmiWanirfyrirauglUsingaskyldu.Jh݌ i Ќ    y LeyfisveitandaervalltskyltaWauglUsasrleyfissamninga. \4  y LeyfisveitandaerskyltaWauglUsarekstrarleyfissamningeftlaWverWmtisamningsins, ' nvirWisaukaskatts,erjafnteWameiraen15millj.kr.eWasamningurertillengritmaen  Yriggjara.   y VerWmtisamningsskaltakamiWaftluWumheildarbrtt;tekjumafstarfsemileyfis `  hafanssemtilverWagildistmasamningsins,nvirWisaukaskatts,samkvmtmatileyfisveit S+! anda.tlaWverWmtirekstrarleyfisskalreiknaWtmeWhlutlgumhtti. "  y HeimilteraWbreytafjrhWumskv.2.mgr.ogskv.2.mgr.8.gr.annaWhvertrsam # rmiviWbreytingarvsitluneysluverWs,fyrstasinn2023.HeimilteraWuppfraYessar  $ fjrhWirYannigaWYrstandiheiluYsundi.RWherraskalmeWhfilegumfyrirvara !W% auglUsaopinberlegabreytingarviWmiWunarfjrhWum. J""&  y XegarrWstfunerskiptuppfleirisjlfstWasamningaskalmiWaviWsamanlagtvirWi #' Yeirraallra.:heimilteraWskiptauppsamningumYvskyniaWrWstfunverWiundirviW #( miWumfyrirauglUsingaskyldu,nemaslktsrttltanlegtgrundvellihlutlgrastWna. $ )   v%N!* K|    K|  &   15.gr.K|݌ ( Ќ   J    J6  RWstfunsemekkinrauglUsingaskyldu.J6`݌  Ќ    y ViWrWstfunrekstrarleyfissemnrekkiYeimviWmiWunumsemtilgreinderu14.gr.  skalvalltgtaaWhagkvmnioggerasamanburWmeWalsemflestrasemkynnuaWhafa a hugarWstfuninnisamtYvaWgtaaWmeginreglumumjafnrWioggagnsi.'(Ԓ T, K|    K|t  16.gr.K|t݌  Ќ   J    J  MeginreglanumhagstWastaverW.J0݌   Ќ    y SrleyfiogrekstrarleyfiskalrWstafaWgrundvellihagstWastaverWs.EfrWstfuner  X auglUstsamrmiviWkvWilagaYessaraerYaWtilboWhagstWastsemerhstaWfjrhW K #  eWameWbestahlutfallmilliverWsoggWa,nemaaWeinseittgilttilboWberist.ViWYr    aWstWurskalleyfisveitandiauglUsasamningnUjanleiktilYessaWtryggjasamkeppnium    gWin.HfnuntilboWsviWYessaraWstWurveitirbj;Wandaekkirtttilb;ta.Leyfisveitanda   erY;heimiltaWgangatilsamningaviWbj;WandaefhannhefuraWdragandaauglUsingarltiW wO  ;hWansrfrWingmetatlaWmarkaWsverWsamningsogtilboWiWerjafnteWahrraenYaW B  mat.EftlaWmarkaWsverWerkveWiWverWbiliskaltilboWiWverajafnteWahrraenmeWal    talverWbilsins.    y EfrWstfunrekstrarleyfisnrekkiviWmiWumfyrirauglUsingaskylduskv.14.gr.og {  leyfisveitandinUtirekkiauglUsingaferlilagaYessaraerskyltaWlta;hWansrfrWingmeta nF tlaWmarkaWsverWsamnings,nemafyrirsjanlegtsaWverWmtisamningssundir3millj. 9 kr.ogsamningurertilskemmritmaentveggjara.Eflithins;hWasrfrWingsertil  teknuverWbilitelsthagstWastaverWverameWaltalverWbilsins.:heimilteraWtakatilboWi  semerundirtluWumarkaWsverWi. r  y RWherraerheimiltreglugerWaWtfrannarhvernigreiknathagstWastaverWsam e= kvmtYessarigrein. 0 K|    K|  17.gr.K|݌  Ќ   J    JN  AuglUsingaferli.JNx݌ i Ќ    y XegarsrleyfiseWarekstrarleyfissamningurerauglUsturskalllumgefinnkosturaW \4 leggjaframtilboW.AuglUsingaferliWmveratveimurYrepumYarsemfyrraYrepiertekin ' afstaWatilYesshvortfyrirtkiuppfyllihfiskrfurogseinnaYrepinuertekinafstaWatil  gildraogaWgengilegratilboWa.   y HeimilteraWviWhafasamkeppnisviWrWur,hnnunarsamkeppni,samkeppnistboWog `  samningskaup,aWuppfylltumskilyrWumlagaumopinberinnkaup. S+! O|    O|  V.KAFLIO|݌ # Ќ   N     N  AuglUsingarggnogauglUsingaskylda.NI݌  $ Ќ    K|    K|ڣ  18.gr.K|ڣ݌ !W% Ќ   J    Jl  Almennirskilmlar.Jl݌ J""& Ќ    y AuglUsingarggnskuluinnihaldaallarnauWsynlegarupplUsingartilaWfyrirtkisunnt #' aWgeratilboW.EftirfarandiatriWiskulukomafram,eftirYvsemviW: #( / /"A0J"  A0J0 y2%  1  .3  Ԉ0    LUsingleyfieWanUtingutilteknulandi,YeirristarfsemisemmsinnaogYeimtak $ ) mrkunumsemerulandnUtingu.A0J0]݌v%N!*   Ќ  "A0J"  A0J y2%  2  .3  Ԉ0    Nafnleyfisveitanda,kennitalaogallarupplUsingarumsamskiptiviWumsj;naraWilaaug A&"+ lUsingaferlisins.A0Jا݌ '",   Ќ  "A0J"  A0J y2%  3  .3  Ԉ0    FramsetningtilboWa.A0JB݌'#-   Ќ  "A0J"  A0J  y2%  4  .3  Ԉ0    UpptalningauglUsingarggnum.A0J 6݌(z$.   @  d   ь  "A0J"  A0JL y2%  5  .3  Ԉ0    TilboWstmioghvenrtilboWverWaopnuW.A0JLy݌(   Ќ  "A0J"  A0J^ y2%  6  .3  Ԉ0    Gildistmisamnings.A0J^݌   Ќ  "A0J"  A0JO y2%  7  .3  Ԉ0    GildistmitilboWa.A0JO|݌   Ќ  "A0J"  A0JB y2%  8  .3  Ԉ0    GgntilsnnunarfjrhagslegriogtknilegrigetusemfyrirtkiskalleggjaframeWa a kannaWverWakrafiWum,sbr.21.gr.A0JBo݌T,   Ќ  "A0J"  A0J y2%  9  .3  Ԉ0    MeWhndlunfyrirspurna.A0J݌   Ќ  "A0J "  A0J y2%  10  .3  Ԉ0    Afhendingarskilmlar.A0J݌   Ќ  "A0J "  A0J y2%  11  .3  Ԉ0    hvaWatungumlieWatungumlumskuliskilatilboWum.A0Jӱ݌    Ќ  "A0J "  A0JƲ y2%  12  .3  Ԉ0    ForsendurfyrirvalitilboWa.A0JƲ݌ X   Ќ  "A0J "  A0Jij y2%  13  .3  Ԉ0    FresturleyfisveitandatilaWtakatilboWi.A0Jij݌K #    Ќ  "A0J "  A0JӴ y2%  14  .3  Ԉ0    LUsingYeimskyldumsemhvlamunuleyfishafasamningstmanum,Y.m.t.skyldur    tilviWhaldsmannvirkjaogannarraraWstWu.A0JӴ݌     Ќ  "A0J"  A0JW y2%  15  .3  Ԉ0    SkilmlarumnUtingumannvirkiseWaheimildtilaWreisamannvirkieWaaWraaWstWu,   loksamnings,rWstfuneignao.fl.A0JW݌wO    Ќ  K|    K|ڷ  19.gr.K|ڷ݌    Ќ   J    Jl  AuglUsingleyfa.Jl݌   Ќ    y AuglUsingarvegnasamningasemnviWmiWunarmrkumskv.14.gr.skalbirtarafrnt {  sameiginlegumvettvangisemrWherramlirfyrirumreglugerW.0auglUsinguskulukoma nF framngilegamiklarupplUsingartilaWhugasamiraWilargetitekiWafstWutilYesshvort 9 YeirhyggisttakaYttferlinu.   y LeyfisveitandiskalnendurgjaldsveitabeinanrafrnanaWgangaWauglUsingarggnum  frogmeWbirtingardegiauglUsingar.0auglUsinguskalkomaframhvarhgtsaWnlgast r auglUsingarggnrafrnt. e= K|    K|  20.gr.K|݌  Ќ   J    J  FramlagningogopnuntilboWa.J݌  Ќ    y TilboWumskalskilaWogYauopnuWrafrnt.EftirloktilboWsfrestsskaltilkynnafyrir i tkjumumnafnhversbj;WandaogheildartilboWsupphW.RWherraseturreglugerWnnari \4 krfursemtryggjagagnsiogjafnrWiviWrafrnam;ttkutilboWa. '  y FresturtilaWskilatilboWumskalverangjanlegalangurtilaWfyrirtkigetiundirbiW  tilboW.0tilvikirekstrarleyfissamningaskalfresturinnekkiveraskemmrien20almanaks  dagarfrbirtinguauglUsingar.0tilvikisrleyfissamningaskalfresturinnekkiveraskemmri `  en45almanaksdagarfrbirtinguauglUsingar. S+!  y HafisvarviWtilboWiekkiboristinnanYessfrestssemertilgreindurauglUsingarggnum " erbj;WandiekkilengurbundinnaftilboWisnu.XegarleyfisveitandaerekkiunntaWtakaaf # stWutiltilboWainnangildistmaYeirraerheimiltaW;skaeftirYvaWbj;Wendurframlengi  $ tilboWsnstuttantma. !W% O|    O|  _VI_.KAFLIO|E݌ #' Ќ   N     N  HfiskrfurogvaltilboWi.N݌ #( Ќ    K|    K|  21.gr.K|݌ $ ) Ќ   J    J  Hfiskrfur.J?݌ v%N!* Ќ    y FjrhagsstaWabj;WandaskalveraYaWtryggaWhanngetistaWiWviWskuldbindingarsnar A&"+ samkvmtsrleyfiseWarekstrarleyfissamningi.0YvskynierheimiltaWgerakrfuumtil  '", tekiWhlutfalleignaogskulda.HeimilteraWkrefjasthverskonartryggingasemnauWsynlegar '#- erutilaWtryggjaefndirsamnings.GeraskalstrangarkrfurumfjrhagslegaburWibj;Wenda (z$. efreisaYarfmannvirkilandinu. m)E%/  y Tknilegogfagleggetabj;WandaskalveraYaWtryggaWhanngetistaWiWviWskuldbind ( ingarsnarsamkvmtsrleyfiseWarekstrarleyfissamningi.XskalhnveraYaWtryggaW  bj;WandigetiuppfylltskilyrWiauglUsingargagnaumupplifungestaogryggi,ogeftiratvik  umverndarmarkmiWognnuratriWisemvarWaumhverfiWogalmannartt.TilYessaWtryggja a framangreindatriWierheimiltaWsetjaskilyrWiYessefnisaWbj;WandihafiyfiraWrWanauW T, synlegummannauWi,tknirrWumogreynslutilaWframkvmasamning,eftiratvikum  samrmiviWviWeigandigWastaWla.   y Hfiskrfurskuluveragagnsjar,hlutlgarogmlefnalegar.    y UmstWurtiltilokunarvegnapers;nulegraaWstWnaskaltakamiWaflgumumopin  X berinnkaup. K #   y RWherraseturreglugerWnnarikvWiumkrfursemgerWarerutilsnnunarfjrhags    legristWuogtknilegrigetufyrirtkis,Y.m.t.hvaWagagnamkrefjastafhendingartilaW    frasnnurYessiatriWi.   K|    K|  22.gr.K|݌ B  Ќ   J    J%  MeginreglurumefniverWtilboWs.J%O݌    Ќ    y LeyfisveitandigeturkveWiWaWleyfishafigreiWigjaldtilrkisinssemgeturveriWleigu   gjaldog/eWagjaldhlutfalliviWveltuleyfishafasamningstmabilinu.LeigugjaldiWskaltaka {  verWlagsbreytingumsamrmiviWkvWisamnings. nF  y LeyfisveitandaerheimiltaWskilgreinafyrirframfastleigugjaldaflandinu,ogeftiratvik 9 ummannvirkjum,semleyfishafaerheimiltaWnUtasamningstmanum.0Yeimtilvikumer  verWtilboWbj;WandaeingnguformihlutfallsafveltuogskaltilboWYessbj;WandasembUW  urhstaveltuhlutfalliWverataliWhstaWfjrhW,aWYvgefnuaWtilboWiWshvorki;gilt r n;aWgengilegt. e=  y EfekkierskilgreintfastrlegtleigugjaldskalheildartilboWsupphWverasamtalaannars 0 vegarboWinsleigugjaldsfyrirland,ogeftiratvikummannvirki,oghinsvegarmargfeldisaf  boWnuveltuhlutfalliogveltusemleyfisveitandiskaltlarkstuddanhtt.   y LeyfisveitandaerheimiltaWmlafyrirumhmarkYessgjaldssemleyfishafiminn i heimtafyriratvinnutengdastarfsemi.HmarkiWskalskilgreintmeWhlutlgumoggagnsjum \4 aWferWum. '  y VerWtilboWbj;WendaskulutakamiWafYeirrihttusemskilmlarogskilyrWiauglUs  ingarggnumfelasr.  K|    K|  23.gr.K|݌ S+! Ќ   J    J9  ValtilboWi.J9c݌ " Ќ    y VeljaskalfjrhagslegahagkvmastatilboWgrundvellihstaverWseWabestahlutfalls # milliverWsoggWa.0sWarnefndatilvikinuskuluforsendurfyrirvalitilboWstengjastefni  $ samningsoggetaYrm.a.nWyfirskipulagningu,menntun,hfiogreynslustarfsf;lkssem !W% framkvmasamninginn,gWiYj;nustuviWviWskiptaviniogleyfishafameWansamnings J""& tmastendurogYttisemsnertaumhverfis,gWaogryggisml.XerheimiltaWtakatillit #' tilYessefbj;WandihefurhaftfrumkvWiaWYvverkefnisemboWiWerteWaefbj;Wandi #( hefurWursinntuppbyggingueWaannarrifjrfestinguviWkomandilandsvWieWanlgum $ ) svWum.Greinaskalhlutfallslegtvgihverrarforsendusemliggurtilgrundvallarvalifjr v%N!* hagslegahagkvmastatilboWi,nemaYegarvaltilboWibyggisteingnguverWi. A&"+  y TilboWbj;WandaskalYannigrgarWigertaWhanngetistaWiWviWYaWogaWreksturinnberi  '",  sig. '#-  y &   TilboWskaltaliW;giltefYaWer;samrmiviWauglUsingarggn,berstofseint,efsnnun ( erfyrir'(leynilegusamrWieWaefforsendurYessteljast;eWlilegar.TilboWtelst;aWgengilegt  ogekkiuppfyllaskilmlaefYaWerlagtframafbj;WandasemskortirnauWsynlegthfieWa  dugirbersUnilegaekki,nverulegrabreytinga,tilaWmtaYrfumleyfisveitanda,einsog a YrerutilgreindarauglUsingarggnum.TilboWsemuppfyllaekkiskilyrWiumhagstWasta T, verWskv.16.gr.erueinnig;aWgengileg.   y TilboWskalsamYykkjaskriflegainnangildistmaYessogerYkominnbindandisamn  ingurgrundvelliauglUsingargagnaogtilboWsbj;Wanda.Tilkynnaskalllumbj;Wendum   umYessakvrWunrafrnteinsflj;ttoghgter.LeyfisveitandiskalrkstyWjakvrWunsna  X efbj;Wandi;skareftirYvinnan14dagafrYvaWtilkynningvarsend. K #   y LeyfisveitandaerheimiltaWhafnallumtilboWumstandimlefnalegarstWurtilYesseWa    hafialmennarforsendurfyrirrWstfuninnibrostiW.LeyfisveitandiskalrkstyWjakvrWun    snaumaWhafnallumtilboWum.   K|    K|F  24.gr.K|Fm݌ B  Ќ   J    J  SamningsskilyrWi.J݌    Ќ    y 0srleyfiseWarekstrarleyfissamningiskalsetjaYauskilyrWisemerunauWsynlegfyrir   samfelldaframkvmdsamningsinssamningstma.XskalsetjastarfseminninauWsynleg {  skilyrWitilaWtryggjasamrmiviWforathugunogaWrarreglursemmliskipta.Skilgreina nF skalviWhvaWaaWstWurerheimiltaWriftaeWasegjauppsamningieinhliWaenaWWruleyti 9 fereftiralmennumreglum.GeraskalstrangarkrfurtilgWa,umhverfisogryggismla  YegarviW.SamningsskilyrWisamkvmtYessukvWiskulukomaframauglUsingarggn  um. r  y samningstmaberleyfishafibyrgWYvaWaflaWsallraviWeigandileyfafyrirYeirri e= starfsemisemferframlandinu,t.d.starfsogrekstrarleyfa,ogaWviWeigandileyfisugildi 0 samningstmanum.HafileyfishafiekkiviWeigandileyfierleyfisveitandaheimiltaWrifta  samningi.Wurenkemurtilriftunarsamningsinsskalgefaleyfishafanumhfileganfresttil  rb;ta,nemarb;tafrestursYUWingarlaus. i  y EfreksturleyfishafaerstWvaWursamkvmtkvrWunleyfishafaeWaafopinberumeftir \4 litsaWilumrttltirYaWfyrirvaralausariftunsamningsins.HiWsamagildirefbleyfishafaer ' tekiWtilgjaldYrotaskipta,hannhefurfengiWheimildtilnauWasamningaeWagreiWslustWvunar  eWaerannarrisambrilegristWu.   y EfumeraWrWasamningtillengritmaenturaskalauglUsingarggnumskilgreina `  meWhvaWahttiaWilargeta;skaWeftirendurskoWunsamningsfjrhWum.Slkirskilmlar S+! skulukveWaumumfangogeWlimgulegrabreytingaogskilyrWafyrirYeimenalmenntskal " ekkiveraheimiltaWendurskoWasamningfyrrenaWturumliWnum.HeimilteraWkveWa # umaWaWilarleysirgreiningiumendurskoWunverWkvWasamningsinsmeWbindandi  $ httinaWkomud;mst;laenniWurstWurviWkomandirlausnaraWilaskulubirtaropinber !W% lega. J""& O|    O|  VII.KAFLIO|݌ #( Ќ   N     NH  TmiskvWi.NHr݌ $ ) Ќ    K|    K|  25.gr.K|݌ v%N!* Ќ   J    J}  SkyldurrWherraogreglugerWarheimild.J}݌ A&"+ Ќ    y RWherraskalstuWlaaWYvaWgerWsrleyfisogrekstrarleyfissamningalandirkisins  '", smeWgagnsjum,hagkvmumogmarkvissumhttisamrmiviWmarkmiWlagaYessara. '#- RWherraskalveitaleyfisveitendumogrkisaWilumaWstoWogleiWbeiningarumauglUsingar (z$.  1       ogsamningsgerWeftirYvsemYrfkrefur.RWherramfelarkisaWilasemhefurYekkingu ( YessusviWiaWsinnaumrdduleiWbeiningarhlutverkioggeturrkisaWilinnjafnframtaW  stoWaWogannastgerWauglUsingarogauglUsingargagnafyrirleyfisveitendur.   y RWherraerreglugerWheimiltaWmlafyrirumnnariframkvmdlagaYessara,Yar a meWalum: T, / /"A0J"  A0JE y2%  1  .3  Ԉ0    XausvWiYarsemkrafistersamningsumnUtingulands,sbr.9.gr.Skilgreinaskalum  rddsvWiogYsamningsskilmla,reglurogskilyrWisemumrddstarfsemiYarfaW  uppfylla.KveWamumfjrhWgjaldsvegnaslkrarsamningsgerWar.A0JEr݌    Ќ  "A0J"  A0J^ y2%  2  .3  Ԉ0    EfnisatriWiforathugunarogmlsmeWferWviWgerWhennar,sbr.10.gr.A0J^݌ X   Ќ  "A0J"  A0J y2%  3  .3  Ԉ0    Xskilmla,skilyrWiogkrfursemskalmlafyriruml;WarleigusamningiviWleyfis K #  hafa,Y.m.t.hvernigfaraskulimeWmannvirkiviWlokl;Warleiguogtfrsluinn    lausnaraWferWumtfrkveWnumskilyrWumogmiWaWviWtilteknaraWstWur,sbr.12.    og13.gr.A0J݌    Ќ  "A0J"  A0J y2%  4  .3  Ԉ0    HvernigreiknaskulithagstWastaverW,sbr.16.gr.A0J݌wO    Ќ  "A0J"  A0J y2%  5  .3  Ԉ0    UpplUsingarsemskulukomaframauglUsingumogumbirtinguslkraauglUsinga,sbr. B  19.gr.A0J2݌     Ќ  "A0J"  A0J[ y2%  6  .3  Ԉ0    KrfursemtryggjagagnsiogjafnrWiviWrafrnam;ttkutilboWa,sbr.20.gr.A0J[݌    Ќ  "A0J"  A0J y2%  7  .3  Ԉ0    KrfursemgerWarerutilsnnunarfjrhagslegristWuogtknilegrigetufyrirtkis, {  Y.m.t.hvaWagagnamkrefjastafhendingartilaWfrasnnurYessiatriWi,sbr.21. nF gr.A0J݌9   Ќ  "A0J"  A0Jb y2%  8  .3  Ԉ0    MeWhvaWahttileyfisveitanditelsthafafullngtskyldumsnumsamkvmtlgunum,  Y.m.t.umhvortogYhvaWamiWlgarkisstofnunaWstoWarogannastgerWauglUsingar  ogauglUsingargagnafyrirleyfisveitendur,sbr.{{1.mgr.#{{#A0Jb݌r   Ќ  K|    K|  26.gr.K|݌ 0 Ќ   J    J<  Tekjurafsamningum.J<f݌  Ќ    y TekjurafsamningumsamkvmtlgumYessumrennarkissj;WnemaYeimtilvikum  YegarsamningartengjastbeintlgbundnuhlutverkieWakjarnaverkefnumviWkomandileyfis i veitanda.XegarsvostendurskalfaraframmatYv,semrWherrastaWfestir,aWhvemiklu \4 leytitekjurafsamningirennatilleyfisveitandasemverjaskaltiluppbyggingarinnviWa,land ' b;ta,umsj;nar,eftirlits,skipulagstlanagerWarogannarrasambrilegraverkefnavegna  landseigurkisins.  K|    K|p  27.gr.K|p݌ S+! Ќ   J    J  Gildistaka.J,݌ " Ќ    y LgYessiWlastYegargildi.LgingildaeingnguumsamningaumrWstafanirlandi # eigurkisinssemgerWirerueftirgildistkulaganna.  $ K|    K|q  28.gr.K|q݌ J""& Ќ   J    J  BreytingWrumlgum.J-݌ #' Ќ    y ViWgildistkulagaYessaraverWaeftirfarandibreytingarWrumlgum: #( / /"A0J"  A0JR y2%  1  .3  Ԉ0    LgumYj;WgarWinnXingvllum,nr.47/2004:EftirfarandibreytingarverWa5.gr.a $ ) laganna:A0JR݌v%N!*   Ќ  "C"  C 0 y 0y y e2%  a  .3  Ԉ0    1.mgr.orWastsvo:C  ݌A&"+   Ќ  "ir"  ir 0 y 0y y 0e  2%3  0e e    :heimilteraWrekaatvinnutengdastarfsemiYj;WgarWinumntmabundinsnUt  '", ingarsamningsumslkastarfsemiviWXingvallanefnd.Slkstarfsemiskalrekinsam '#- rmiviWatvinnustefnuYj;WgarWsins.0samningnumskalsetjaYauskilyrWifyrirstarf (z$. seminnisemtalinerYrf,m.a.vegnaverndarmarkmiWaYj;WgarWsinsogsamrmis ( viWatvinnustefnu.ir  ݌   Ќ  "C"  C 0 y 0y y e2%  b  .3  Ԉ0    ViWbtistnUmlsgrein,svohlj;Wandi:C  ݌   Ќ  "ir"  ir0 y 0y y 0e  2%3  0e e    Umrekstrarleyfissamninga,srleyfissamninga,auglUsinguYeirraogframkvmd a aWWruleytifereftirlgumumnUtingulandieigurkisinsatvinnuskyni.Hug T, tkinnUtingarsamningur,rekstrarleyfissamningurogsrleyfissamningurYessulaga  kvWiskuluhafasmuYUWinguogfyrrgreindumlgum.ir+݌   Ќ  "A0J"  A0J y2%  2  .3  Ԉ0    LgumVatnajkulsYj;WgarW,nr.60/2007:EftirfarandibreytingarverWa15.gr.alag   anna:A0J݌ X   Ќ  "C"  C0 y 0y y e2%  a  .3  Ԉ0    1.mgr.orWastsvo:C݌K #    Ќ  "ir"  ir0 y 0y y 0e  2%3  0e e    :heimilteraWrekaatvinnutengdastarfsemiYj;WgarWinumntmabundins_nUt    ingarsamnings_ԀumslkastarfsemiviWVatnajkulsYj;WgarW.Slkstarfsemiskalrekin    samrmiviWatvinnustefnuYj;WgarWsinsogkvWistj;rnunarogverndartlunar.   0samningnumskalsetjaYauskilyrWifyrirstarfseminnisemtalinerYrf,m.a.vegna wO  verndarmarkmiWaYj;WgarWsinsogsamrmisviWatvinnustefnuogstj;rnunarog B  verndartlun.RWherraskalmlannarfyrirumslkskilyrWiogmlsmeWferWog    gerWsamningasamkvmtkvWiYessureglugerW.ir.݌    Ќ  "C"  C-0 y 0y y e2%  b  .3  Ԉ0    2.mgr.orWastsvo:C-Z݌{    Ќ  "ir"  irH0 y 0y y 0e  2%3  0e e    Umrekstrarleyfissamninga,srleyfissamninga,auglUsinguYeirraogframkvmd nF aWWruleytifereftirlgumumnUtingulandieigurkisinsatvinnuskyni.Hug 9 tkinnUtingarsamningur,rekstrarleyfissamningurogsrleyfissamningurYessulaga  kvWiskuluhafasmuYUWinguogfyrrgreindumlgum.irHu݌   Ќ  N     N  kvWitilbrWabirgWa.N݌ e= Ќ     y EigisWarenfimmrumfrgildistkulagaYessaraskalrWherrahafalokiWgreiningu 0 landieiguslenskarkisinsogskilaWskUrslu{{tilAlYingis#{{?#ԀYarsemgerWergreinfyrirniWur  stWumgreiningarinnar.0skUrslunniskalm.a.lUsaeftirfarandi:  / /"A0J"  A0Jd y2%  1  .3  Ԉ0    UmfangiogeWliYeirrarnUtingarsemfyrirhuguWereinstkumlandsvWum.A0Jd݌i   Ќ  "A0J"  A0J y2%  2  .3  Ԉ0    VerndargildilandsvWaogumfangifriWlUstrasvWa.A0J݌\4   Ќ  "A0J"  A0J  y2%  3  .3  Ԉ0    UmfangiogeWlialmannarttar.A0J  ݌'   Ќ  "A0J"  A0J! y2%  4  .3  Ԉ0    LandnUtingu,mannvirkjagerWogWruminnviWaframkvmdumsvWinu.A0J!!݌   Ќ  "A0J"  A0J" y2%  5  .3  Ԉ0    Xolmrkum,uppbyggingarYrfogkrfumumaWgengi.A0J"#݌   Ќ   y ViWgreiningunaskalsamrWeigasrstaWviWhlutaWeigandirWuneytiogstofnanirogeftir `  atvikumaWrahagaWila. S+! @#`_____________ J""& @ `X?uX{SamYykktAlYingi13.jn2021.#{XX?u %#