WPC% nܓڕ$DϦ+D2t?=s@{Ɨ_g^@-/mi@'d,>;)QGϝ<%ub{OیTprCXc7zMdi[œ|Y/ŸDž㈑G+u݉zzXEȖ8?}ZɃW?`5=IF.{(l$ςC(zp.9|tra[s?!"_#dܼPP㰋V3W]F&CbM. `C}\du_lf}iEm=&jt>^~~H^%kI/441naK $ǝѶȿ6 U I6IfUMx% 8f?9!m MWki7Fiie$r]󠱨RŨ1^}Yc] ?bxUN % 02# 72 b k^ U:w1 1u5N4 0 mM: 1 1 0QH: 0Q 0]$$$$$$$ 0Qu! 0w! 0m" 0 # # # # # # # # # # # # # # # # # # # # # # # #/#6########################## 0L4%(  Z6Times New Roman RegularX( K$ IS , .\R6&A4\X]XXXTRV6&A4V6&A46&A46&A4T ? XX]0?vvbX0#ggdd  8  d d8ISUS.,    \\app01\AdobePS Tektronix Phaser 7400 i)\\MIMIR\FORRIT\WORDPE~2\template\SKJRIT~1.WPT\\MIMIR\FORRIT\WordPerfect Office 2000\template\SkjritunY2k.wpt0[U/s 4cp Z "Times Regular3#37=CIQYag1.a.i.(1)(a)(i)1)a) G/:)UHev3|x8Gq 61AutoList1 X ;1X` hp x (#;  e[X` hp x (#eU 0 6On'ISUS.,,,..X'XXX? XX'0?vvbX0#ggdd  ISIS,.   _Ԁ gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)ABCD %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.()3On$ K!ISUS.,,,..TRV<6&A4X3' Letter 6&A43'TX4XXXTRV<6&A4V<6&A4 6&A4 6&A4T ? XX40?vvbX0#ggdd  8   dXXd8ISIS,.      0 8On)ISUS.,,,..X'XXX? XX'0?vvbX0#ggdd  ISIS,.   _Ԁ()3On$ K!ISUS.,,,..TRV<6&A4X3' Letter 6&A43'TX4XXXTRV<6&A4V<6&A4 6&A4 6&A4T ? XX40?vvbX0#ggdd  8   dXXd8ISIS,.     (53$ K!ISUS.,,,..TRV<6&A4X3' Letter 6&A43'TX4XXXTRV<6&A4V<6&A4 6&A4 6&A4T ? XX40?vvbX0#ggdd  8   dXXd8ISIS,.      d (M0J$2  0  .3  0 ` (O;$0  2#  a  .3  0` (#(#(u$0  0` (#(#` `  2  a  .3  0` (#` (#(`$0  0` (#(#0 ` (#` (#0 (# (#"h2  0  .3  0(#(# %]_ , :+ISUS.,,,..X'XXX? XX'0?vvbX0#ggdd  ISIS,.   d  ݀>c$"Small Circle"0 K!ISUS.,,,..TRW<6&A4X3' Letter 6&A43'TX'XXXTRW<6&A4W<6&A4 6&A4 6&A4T ? XX'0?vvbX0#ggdd  8 3 dd8ISIS,.     _ 4ABCD(%03 7\< 126.lggjafarYing20002001. ( _Xskj_.155"155.ml.     I@ BeiWniumskUrslu# I#   frviWskiptarWherraum_iWgjaldahkkanir_Ԁ_tryggingaflaganna_.     FrJ;hnnuSigurWard;ttur,Margrti_Frmannsd;ttur_,gmundi_J;nassyni_, K #  GuWj;niA._Kristjnssyni_,RannveiguGuWmundsd;ttur,J;niBjarnasyni,    GuWrnu_gmundsd;ttur_,GuWmundirnaStefnssyni,KristjniL.Mller.      MeWvsantil46.gr.lagaumYingskpAlYingiserYess;skaWaWviWskiptarWherraflytji wO  AlYingiskUrsluum_iWgjaldahkkanir_Ԁ_tryggingaflaganna_Ԁrin1999og2000,helstustWur B  Yeirraoghrif_efnahagsumhverfi_Ԁogneytendur.Xesserjafnframt;skaWaWskUrslunni    komiframsvrviWeftirfarandispurningum:   "A0J"  A0J 2%  1  .3  Ԉ0    Hafatryggingaflgingert_ttektir_Ԁhrifum_skaWab;talaga_Ԁogssvo,hverjareru {  _niWurstWur_ԀYeirra?A0J ݌nF Ќ  "A0J"  A0Jt 2%  2  .3  Ԉ0    Er_skaWab;talgum_ԀgengiWoflangteinhverjumsviWummiWaWviWtilefniaWbta 9 tj;nYolatj;nsemhefurhaftveruleghrif_iWgjaldahkkun_?A0Jt ݌ Ќ  "A0J"  A0JY2%  3  .3  Ԉ0    Hvernighefur_skattgreiWslum_ԀafhagnaWi_tryggingaflaganna_ԀveriWhttaWrlega  _undanfrnum_ԀrummeWtillititil_framlaga_Ԁ_b;tasj;Wina_?A0JY݌r Ќ  "A0J"  A0J2%  4  .3  Ԉ0    Hvernigeru_b;tasj;Wir_Ԁ_tryggingaflaganna_Ԁ_vaxtaWir_ԀogmeWhvaWakjrumoghvest;r e= hluti_fjrmagnstekna_Ԁafframlgum_b;tasj;Wina_Ԁrennursj;WinatilaWmta_tj;naskuld_? 0 HvernighefurYessiYr;unveriWrlegafr1995?A0J݌ Ќ  "A0J"  A0Ja2%  5  .3  Ԉ0    ErYrfaWbreytareglumummat_tj;naskuld_?A0Ja݌ Ќ  "A0J"  A0J2%  6  .3  Ԉ0    Gfubreytingarmati_tj;naskuld_ԀtilefnitilbreytingaiWgjldum_bifreiWatrygginga_ i runum1999og2000?A0J݌\4 Ќ  "A0J"  A0J<2%  7  .3  Ԉ0    HvernighefureigiWf,hagnaWur,sj;Wirog_bankainnstWur_Ԁ_tryggingaflaganna_ԀvaxiW ' samanboriWviW_vtryggingarskuld_?A0J<i݌ Ќ  "A0J"  A0J2%  8  .3  Ԉ0    HvaWahrifhafaafkomaog_afkomuhorfur_Ԁ_iWgjaldakvarWanir_Ԁ_tryggingaflaganna_?A0JF݌ Ќ  "A0J"  A0J2%  9  .3  Ԉ0    Notatryggingaflging;WaafkomueinnigreintryggingatilaWhaldaniWriiWgjldum `  annarrigrein?A0J݌S+! Ќ  "A0J "  A0J112%  10  .3  Ԉ0    NotatryggingaflginslakaafkomueinnigreintryggingatilaWhaldaiWgjldumof " humannarrigrein?A0JA݌# Ќ  "A0J "  A0Ju112%  11  .3  Ԉ0    VarekkieWlilegtaWltatilbWi_heildarafkomu_Ԁ_tryggingaflaganna_ԀviW_iWgjaldakvrWun_  $ YessuogsWastari,semogmats_tj;naskuld_Ԁ_blatryggingum_?Voru2milljarWar !W% kr;nasemlosnuWur_tj;naskuld_Ԁranna1991!1996dregnirfroghfWuYarmeWhrif J""& tillkkunar_iWgjaldaYrf_ԀYessaogsWastars?A0Ju݌#' Ќ  "A0J "  A0J112%  12  .3  Ԉ0    HafWislakurkaupmtturfyrrihlutasWastaratugarhrif_iWgjaldakvarWanir_ #( _tryggingaflaganna_Ԁoghefurvaxandikaupmtturundanfrnumrumhafthrif?A0J ݌$ ) Ќ  "A0J "  A0J!112%  13  .3  Ԉ0    HverhefurrlegaukningteknaafiWgjldum_bifreiWatrygginga_ԀmeWvaxandiblaflota v%N!* _landsmanna_ԀveriWfrrinu1995?A0J!!݌A&"+ Ќ  "A0J "  A0Jm#112%  14  .3  Ԉ0    HverhefurorWiWaukning_iWgjaldatekjum_ԀvegnafjlgunarblasamanboriWviW  '", _aukningu_Ԁ_b;tagreiWslum_?A0Jm##݌#'#- #\< \] \  ь  "A0J"  A0J%112%  15  .3  Ԉ0    Hvernig_sundurliWast_Ԁ_iWgjaldaYrf_ԀYessaogsWastarshj_tryggingaflgunum_Ԁeftir ( einstkum_httuYttum_?A0J%%݌ Ќ  "A0J"  A0Jx'112%  16  .3  Ԉ0    HvernighafaiWgjldvegna_bifhj;latrygginga_ԀYr;astsWastliWinfimmroghvernig  hefur_slysatWni_Ԁog_tj;natgjldum_ԀvegnaYeirraveriWhttaWsamatma?A0Jx''݌a Ќ  "A0J"  A0J)112%  17  .3  Ԉ0    HvemiklaafslttiveitatryggingaflginafWrum_tryggingum_Ԁen_blatryggingum_ԀYegar T, allartryggingar_viWskiptavinanna_Ԁfallatileinsogsama_tryggingaflags_?A0J))݌ Ќ  "A0J"  A0J+112%  18  .3  Ԉ0    Hvemiklaafslttiveitatryggingaflginaf_blatryggingum_Ԁoghverterhlutfall  _viWskiptavina_Ԁhverjum_afslttarflokki_Ԁfyrirsig,skipteftiraldriogkyni?A0J++݌  Ќ  "A0J"  A0J-112%  19  .3  Ԉ0    Hverterhlutfall17!18rakumanna_bifreiWatryggingum_Ԁhj_tryggingaflgunum_?A0J--݌ X Ќ  "A0J"  A0J/112%  20  .3  Ԉ0    HverhefurveriWYr;un_blalnum_Ԁ_tryggingaflaganna_ԀsWustu10rinupphWum, K #  fjldaoghlutfalliafheildareignum?A0J/2/݌   Ќ  "A0J"  A0J0112%  21  .3  Ԉ0    HafatryggingaflginmarkaWastefnuum_blaln_ԀtilungrakumannaeWaYeirrasem    trekaWhafavaldiWmiklum_tj;num_ԀumferWinnioghvernigskiptast_blaln_Ԁmilli   _aldursh;pa?_A0J00݌wO  Ќ  "A0J"  A0J3112%  22  .3  Ԉ0    Hverterhlutfall17!20ra_blalnum_ԀoghverterhlutfallYessaldursh;ps_tj;num_Ԁog B  slysab;tum?Eiga_tj;nvaldar_ԀkostnUjumlnumtil_endurnUjaWra_ԀbifreiWakaupa?A0J343݌   Ќ  "A0J"  A0J=5112%  23  .3  Ԉ0    Hvehtterhlutfalltilhvers_lntakanda_ԀmiWaWviWheildarverWmtibls?A0J=5j5݌  Ќ  "A0J"  A0J6112%  24  .3  Ԉ0    Eru17!20ra_lntakendur_Ԁ_blalna_Ԁhj_tryggingaflgunum_ԀfrekarvanskilumenaWrir {  _lntakendur_?A0J66݌nF Ќ  "A0J"  A0Jh8112%  25  .3  Ԉ0    Hvernigst;WutryggingaflginaWtreikningumviWskiptingu_httusvWi_?:skaWer 9 eftirdmumumtreikninga_httusvWaskiptingar_Ԁ_tryggingaflaganna_Ԁrhverju  _kjrdmi_Ԁfyrirsig.A0Jh88݌ Ќ  "A0J"  A0J:112%  26  .3  Ԉ0    HvaWaaWgerWirhafatryggingaflgingerteWatekiWYtttilaWfyrirbyggjatj;n r _umferWinni?_A0J::݌e= Ќ    :skaWereftiraWsvrviWframangreindumspurningumverWisundurliWuWeftir 0 _tryggingaflgum._    :skaWereftiraWskUrslanverWitekintilumrWuAlYingieinsflj;ttogauWiWereftiraW  hennihefurveriWdreiftmeWalYingmanna. i   GreinargerW. ' =  undanfrnumtveimurrumhafaorWiWgfurlegarhkkanir_bifreiWatryggingum_ԀeWa  um70!80%.Ekkieruneinauglj;srkfyrirYessummikluhkkunumsemerursamhengi  viWallaraWrarverWlagshkkanirYj;WflaginuoghafahaftfrmeWsrverulega `  _tgjaldaaukningu_Ԁfyrir_bifreiWaeigendur_. S+!   Tryggingaflginhafa_m.a._Ԁtefltframsemrkumhrifumbreytinga_skaWab;talgum_Ԁog " auknum_tj;num_Ԁog_slysatWni_.MikilvgteraWmliWkomitilkastaAlYingis,endaerhrum # _gfurlega_ԀhkkunlgboWinniskyldutryggingubifreiWaaWrWaogjafnframtbeita  $ _tryggingaflgin_ԀfyrirsiglgumsemAlYingihefursettsemrkumfyrirmikilliYrf !W% _iWgjaldahkkunum._ J""&   XegarAlYingifjallaWium_skaWab;talgin_Ԁsnumtmafengustengarhaldbrar #' _upplUsingar_Ԁfr_tryggingaflgunum_ԀumhvaWahrifbreytingar_skaWab;talgunum_Ԁgtu #( haftiWgjld_bifreiWatrygginga_.MeWsamahttireynistnerfiWleikumbundiWfyrir $ ) alYingismennaWfnauWsynlegarupplUsingarfr_tryggingaflgunum_ԀtilaWgetaskoWaW v%N!* tarlegahrif_gfurlegra_Ԁ_iWgjaldahkkana_ԀsWastliWintvrogmetarttmtiYeirra. A&"+   0lj;si_framangreinds_ԀogYessaWhrerveriWaWfjallaumhkkanir_lgboWnum_  '", _skyldutryggingum_Ԁer;skaWeftiraWviWskiptarWherraflytjiAlYingiskUrsluummliWogafli '#- _nauW__ synlegraupplUsingahjhverjutryggingaflagiumiWgjaldahkkanirnarsamrmiviW ( efniskUrslubeiWninnartilaWAlYingigetifjallaWeWlilegaummliW.