WPCD ¹W7_$A<6ȮA:] F<ı0 6/?ݐ9nV\ʹcwhi 9 *Q U7kjHd%SD|{̵8D5{m&ŽT^|Lİk4 ==ܽ/YA-, !Gڣ *5 Z{1܏ZaF뎴fz6'ΚUk2}^m:R N㱪+TdPIpɍtw =I)n9&Yin~BJS.A>@CY4ݻ@a <.ϛ ^+&HLmt0]_D^!TfH:tb(Twe֮ؼ .I(,ðNBd=_]`}tq 'UN % 04 # nA mw@4,^ @L 0[ 0I 04 0 0 0 0 0 0w 0M 0) 0 0 0 0{ 0H! 0" 0" 0# 0x$ 0P% 0%& 0& 0' 0( 0[) 0!*!*V*UN:,:,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,N----- 1-- 0QU.U.U.U. 0Q22 0]66 0uT;T; 0w;; 0@<@< 0<< 1u==>>V@@@@6 B B B B B B B B B B B B 72BCBC/tCtC 1CCCCCCCCCCCCCCCCCCCCCU:DDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDDe ~D&d9 Z6Times New Roman RegularX( Z$ IS , .\R6&A4\XħXXXTRW<6&A4W<6&A4 6&A4 6&A4T ? XXħ0?vvbX0#ggdd  8dXXd8ISUS.,    0C:\DOCUME~1\thordisk\MYDOCU~1\template\SKJRIT~1.WPTC:\Documents and Settings\thordisk\My Documents\template\SkjritunY2k.wptU MDӀE*ό|)*skjoln* 3|x2G+J 0_level1  X /%4 4 <DL/23  ..  2( 4 <DL2  2D+J 0_level2   ," <DL,23  ..  2( 4 <DL2  2A+J 0_level3   ) <DL)23  ..  2( 4 <DL2  2>+J 0_level4  ` &<<DL&23  ..  2( 4 <DL2  2;+J 0_level5   #DL#23  ..  2( 4 <DL2  28+J 0_level6    DL 23  ..  2( 4 <DL2  25+J 0_level7  h DDL23  ..  2( 4 <DL2  22+J 0_level8   L23  ..  2( 4 <DL2  2/+J 0_level9    L23  ..  2( 4 <DL2  2GJ 0_levsl1  X /%4 4 <DL/23  Ԁ  2( 4 <DL2  2DJ 0_levsl2   ," <DL,23  Ԁ  2( 4 <DL2  2AJ 0_levsl3   ) <DL)23  Ԁ  2( 4 <DL2  2>J 0_levsl4  ` &<<DL&23  Ԁ  2( 4 <DL2  2;J 0_levsl5   #DL#23  Ԁ  2( 4 <DL2  28J 0_levsl6    DL 23  Ԁ  2( 4 <DL2  25J 0_levsl7  h DDL23  Ԁ  2( 4 <DL2  22J 0_levsl8   L23  Ԁ  2( 4 <DL2  2/J 0_levsl9    L23  Ԁ  2( 4 <DL2  2GJ 0_levnl1  X /%4 4 <DL/23   2( 4 <DL2  2DJ 0_levnl2   ," <DL,23   2( 4 <DL2  2AJ 0_levnl3   ) <DL)23   2( 4 <DL2  2>J 0_levnl4  ` &<<DL&23   2( 4 <DL2  2;J 0_levnl5   #DL#23   2( 4 <DL2  28J 0_levnl6    DL 23   2( 4 <DL2  25J 0_levnl7  h DDL23   2( 4 <DL2  22J 0_levnl8   L23   2( 4 <DL2  2/J 0_levnl9    L23   2( 4 <DL2   L e)ISUS.,,,..*X7XXX? *5$XX70?vvbX0#ggdd  ISIS,.   _>? Ҁ&d9 Z6Times New Roman Regular 0 a'ISUS.,,,..X7XXX? 5$XX70?vvbX0#ggdd  ISIS,.   _Ԁikmo %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.()3$ Z!ISUS.,,,..TRW<6&A4X3' Letter 6&A43'TXXXXTRW<6&A4W<6&A4 6&A4 6&A4T ? -XX0?vvbX0#ggdd  8-d8ISIS,.     ()3$ Z!ISUS.,,,..TRW<6&A4X3' Letter 6&A43'TXXXXTRW<6&A4W<6&A4 6&A4 6&A4T ? -XX0?vvbX0#ggdd  8-d8ISIS,.     (53$ Z!ISUS.,,,..TRW<6&A4X3' Letter 6&A43'TXXXXTRW<6&A4W<6&A4 6&A4 6&A4T ? -XX0?vvbX0#ggdd  8-d8ISIS,.      d (M0J$2  0  .3  0 ` (O;$0  2#  a  .3  0` (#(#(u$0  0` (#(#` `  2  a  .3  0` (#` (#(`$0  0` (#(#0 ` (#` (#0 (# (#"h2  0  .3  0(#(#3#37=CIQYag1.a.i.(1)(a)(i)1)a)  a'ISUS.,,,..X7XXX? 5$XX70?vvbX0#ggdd  ISIS,.   _>? 5$5$.P@S:\126\a\skjol\1085-svar.493.wpdPS:\126\a\skjol\1085-svar.493.wpd/  #5$5$K#6  2d  u5$0vinnslu#5$ u1#d2%  L e)ISUS.,,,..X7XXX? 5$XX70?vvbX0#ggdd  ISIS,.   _>? Ҁ , g+ISUS.,,,..X7XXX? 5$XX70?vvbX0#ggdd  ISIS,.   d  ݀qi) %y_ gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)4cp Z "Times Regular  Z!ISUS.,,,..TRW<6&A4X3' Letter 6&A43'TX7XXXTRW<6&A4W<6&A4 6&A4 6&A4T ? 5$XX70?vvbX0#ggdd  85$dd8ISIS,.     _ >?  _ikmo(%03qs+u) 9126.lggjafarYing2000!2001. ( Xskj.1085"493.ml.     u5$@"Svar#5$ u#   viWskiptarWherraviWfyrirspurnJ;hnnuSigurWard;tturumrttunglingatil_debetkorta_.     ViWskiptarWuneytiWleitaWitilYriggjaviWskiptabanka,Y.e.BnaWarbanka0slandshf., K #  _0slandsbanka_Ԁ!_FBA_Ԁhf.ogLandsbanka0slandshf.,ogYriggjastrstu_sparisj;Wanna_,Y.e.    Sparisj;WsReykjavkurogngrennis(_SPRON_),Sparisj;WsHafnarfjarWar(_SPH_)ogSpari    sj;Wsvlstj;ra,og;skaWieftirsvariviWfyrirspurninni.SvarrWherrabyggistupplUsingum   YessaraviWskiptabankaogsparisj;Wa. wO  "i0J"  i0J 2%  1  .3  Ԉ0    Hvemargir13!16raunglingarannarsvegarog16!18rahinsvegarhafantilum    rWa_debetkort_Ԁhj_viWskiptabnkum_Ԁogsparisj;Wum?i0J - ݌  Ќ    Um14.100unglingaraldrinum13!16rahafa_debetkort_Ԁ_viWskiptabnkunum_ԀogYrem {  urstrstu_sparisj;Wunum_Ԁogum11.400unglingaraldrinum16!18ra. nF "i0J"  i0J 2%  2  .3  Ԉ0    HvereruskilyrWifyrirrttitil_debetkorta_ԀhjYeimsemeruundir16raannarsvegar  og16!18rahinsvegar,m.a._ttektarheimild_,_lgmarksinnstWa_ԀogbyrgWarmenn?  XarfsamYykkiforrWamanna_;fjrrWa_Ԁunglingafyrir_debetkortum_ԀYeirra?i0J > ݌r Ќ    SvarBnaWarbanka0slandshf.:BankinnhefursettYvinnuregluaWunglingaraldrinum e= 12!16raYurfisamYykki_lgrWamanns_ԀviWstofnun_debetkortareiknings_.GerteraWskilyrWi 0 aW_lgmarksinnstWa_Ԁreikningss1.000kr.tilaWheimiltsaWstofna_debetkort_.Unglingar  yngrien18rahafaekkiheimildtilaWstofnatil_yfirdrttar_._Innlnsreikningum_Ԁ_;lgrWa_Ԁer  viWstofnunskiptYrjflokkaeftirupprunaYeirraog_ttektarheimildum_,Y.e.hvortum_sjlf i aflaf_ԀeWa_gjafaf_ԀeraWrWasem_;lgrWa_Ԁ_reikningseigandi_Ԁhefureinn_ttektarheimild_Ԁfyrir \4 efannaWerekkitekiWfram,hvortum_gjafaf_ԀeraWrWa,enslkumtilvikumhefurhinn ' _;lgrWa_Ԁ_reikningseigandi_Ԁeinn_ttektarheimild_Ԁnemagefandimlisrstaklegafyrirumann  aW,ogYriWjalagihvortumannaWferaWrWasem_;lgrWa_Ԁeinstaklingarhafaekkiheim  ildtilaWrWstafa.Ekkierkrafist_byrgWarmanna_ԀviWstofnun_debetreikninga_Ԁ_;lgrWa_Ԁein `  staklinga. S+!   Svar_0slandsbanka_Ԁ!_FBA_Ԁhf.:FramaW18raaldrierskilyrWifyrirrttitil_debetkorta_ԀaW " _fjrmunirnir_Ԁ_reikningnum_Ԁsu_sjlfsaflaf_Ԁog/eWa_gjafaf_ԀgefiWnskilyrWa,semeruYeir # fjrmunirsemunglingurinnhefurrWstfunarrttyfirsamkvmtlgum._Reikningseigandi_  $ einnhefur_ttektarheimild_.EkkierumbyrgWarmennaWrWa,enreikningarYessireruekki !W% meW_yfirdrttarheimild_.EnginsrstkkrafaergerWum_lgmarksinnstWu_.Bankinnhefur J""& ekkifariWframsamYykkiforrWamannafyrir_debetkortum_Ԁunglinga.RtteraWgetaYess #' aWYegartgfakortumtilunglinga13!16ravarundirbningivarhaftsamrWviWemb #( ttiumboWsmannsbarna,endatilgangurinnaWleiWbeinaum_byrga_Ԁnotkun_ntmagreiWslu $ ) miWils_. v%N!*   SvarLandsbanka0slandshf.:MeWYvaWganga_Sportklbb_ԀLandsbankansgeta13ra A&"+ unglingarfengiW_debetkort_Ԁsamkvmtstarfsreglumbankans.SkilyrWieraWsamYykkifor  '",  rWamannaliggifyrirenjafnframterullkortinsvonefnd_shringikort_ԀYarseminnstWaer '#-H 9 y_   alltafsannpr;fuWWurenfrslaerframkvmd.&   KortiWgenguraWllumhraWbnkumogunnt ( eraWnotaYaWtilaWtakatpeningahjgjaldkerumbankaogsparisj;Wa.'(    Samkvmtstarfsreglumgetaunglingar14!17rafengiWdebetkortmeWYvaWganga  Nmuna,semerklbburhjLandsbankanumfyrirungtnmsf;lk.Smureglurgildaog a greinterfrhrundanaWYvundanskylduaWkortinmnotatilttektahjverslunum. T,   Samkvmtstarfsreglumer;heimiltaWveitayfirdrttarheimildirtilunglingaundir18ra  aldriogYverekkikrafistbyrgWarmanna.XegarstofnaWertilviWskiptaunglingaklbbum  bankansYarfaWleggjainn1.000kr.AWeinserugefintdebetkortenekkitkkhefti.     SvarSparisj;WsReykjavkurogngrennis:Unglingaraldrinum12!16ragetafengiW  X debetkortefYeireruunglingaklbbiSPRONsemnefnistStart.Kortinmnotallum K #  verslunumoghraWbnkumoghjgjaldkerumbankaogsparisj;Wa.Enginttektarheimild,    lgmarksinnstWaeWabyrgWarmennYurfaaWverabakviWYessidebetkort.ReglurSPRON    gerakrfuumYaWaWforrWamaWursamYykkifyrstums;knviWkomandi.     aldrinum16!18raeigaflagarNmsmannaYj;nustuSPRON(16raogeldri)kost wO  debetkortisamkvmtnnarireglumSPRON.EnginlgmarksinnstWaerYessumreikn B  ingum.XeimsemeigarttlnifrL0NstendurtilboWayfirdrttarheimildtkkareikningi    snum,ensheimildgeturnumiWalltaW100%aftlaWrilnveitingufrL0N.EkkierYrf   fyrirbyrgWarmennYessareikningaYarsemallajafnaerekkigefinnkosturyfirdrttar {  heimild,enefyfirdrttarlnerveitterlniWfrL0NngbyrgW.XessmgetaaWYaWer nF algjrundantekningaWyfirdrttarlnsveittYessumaldursh;pi,endamjgfirL0N-hfu 9 nmi.    XarsemfariWereftirnnarireglumSPRONviWafgreiWsludebetkortumYarfsamYykki  forrWamanns;fjrrWaunglingsYegarhannskirumdebetkort. r   SvarSparisj;WsHafnarfjarWar:llumunglingumervelkomiWaWskjaumdebetkort e= (Startkort)hjSPHenundantekningarlaustYarfsamYykkiforeldrafyrirdebetkortiYeirra 0 semyngrieruen16ra.0YeimtilvikumYegar16og17raunglingarskjaumdebetkort  erekkigerWkrafaumsamYykkiforeldra.llYessikorterushringikortsemYUWiraWekki  erhgtaWsetjastWukortareikningsinsmnus,ttektarheimildreikningsinserYvssama i oginnstWanhverjumtmaoglgmarksinnstWan0kr.XarsemstaWareikningsinsgetur \4 aldreifariWmnuserenginYrffyrirbyrgWarmenn. '   SvarSparisj;Wsvlstj;ra:Fyrirunglingaundir18raaldriYarfsamYykkiforeldra/for  rWamannstilaWfdebetkort(hvortsemviWkomandierflokknumundir16raeWa16!18  ra).ViWstofnunreikningsinsYarfviWkomandiunglinguraWleggjainn5.000kr.enaWrar `  lgmarksinnstWureruekki.byrgWarmennYarfekkidebetkortareikningunglingaundir S+! 18raaldriendaekkiumtlnaWrWa.Bttektarheimildirdebetkortumunglinga18raog " yngrimiWastviWinnstWureiknings. # "i0J"  i0JK02%  3  .3  Ԉ0    Hvereruvaxtakjroggjaldtkuheimildirframangreindumdebetkortum?i0JK0x0݌!W% Ќ    SvarBnaWarbanka0slandshf.:Vextirdebetkorta;lgrWaeru6,20%ogerukortinn J""& allrafrslugjaldaognrgjalds. #'   Svar0slandsbanka!FBAhf.:Vaxtakjrfaraeftirvaxtatflubankanseinsoghner #( hverjusinni.Innlnsvextirdebetkortareikningumeinstaklingaerun2%.Frslugjlderu $ ) enginsudebetkortnotuWhraWbnkumen11kr.hverjafrsluWrumtilvikum.rgjald v%N!* debetkortser280kr. A&"+   & a SvarLandsbanka0slandshf.:InnvextirSportklbbsreikningum/Nmureikningumreikn  '", astdaglegaogerun2,8%ri.rgjaldafNmukortier275kr.enenginfrslugjlderu '#- tekin.AfSportklbbsreikningireiknasthvorkirgjldnfrslugjld.'a '3 (z$.   SvarSparisj;WsReykjavkurogngrennis:Innlnsvextirreikningum12!16raeru ( 2,5%.BtlnsvextireruengirYarsemenginttektarheimildertilstaWar._Gjaldtkuheimildir_  eru:    Debetkortargjalder280kr. a   Frslugjaldverslunumoghjgjaldkerumer11kr. T,   FrslugjaldhraWbnkumer0kr.    EndurtgefiWglataWdebetkorter1.000kr.    Innlnsvextirreikningum16!18raeru2,5%.Btlnsvextireru14,85%fyrirYsemeiga   kostlnifrL0N,en19,25%fyriraWra._Gjaldtkuheimildir_Ԁeru:  X   Debetkortargjalder280kr. K #    Frslugjaldverslunumoghjgjaldkerumer11kr.      FrslugjaldhraWbnkumer0kr.      EndurtgefiWglataWdebetkorter1.000kr.     SvarSparisj;WsHafnarfjarWar:VextirStartreikningsogNmsmannareikningseru2,5%. wO  InnheimterufrslugjldYegarkortinerunotuWverslunum.Frslugjlderu11kr.hverja B  frslu.      SvarSparisj;Wsvlstj;ra:     Debetkortargjalder280kr. {    Frslugjalddebetkortaer11kr. nF   FrslugjaldhraWbnkumer0kr. 9   UpplUsingarumstWusmaer40kr.    Yfirlitsentp;stiannaWenumram;ter75kr.    AukayfirlitafhentafgreiWsluer75kr. r   EndurtgefiWglataWdebetkorter1.000kr. e=   "i0J"  i0J7=2%  4  .3  Ԉ0    ErumaWrWartttilyfirdrttarheimildardebetkortumunglinga16!20raogefsvo  er,hvehargetaslkaryfirdrttarheimildirorWiW?GetaunglingarsafnaWslkumyfir  drttarheimildumhjmrguminnlnsstofnunumsamtmis?Hvereruvaxtakjroggjald i takaslkumyfirdrttarheimildum?i0J7=g=݌\4 Ќ    SvarBnaWarbanka0slandshf.::lgrWaeinstaklingarfekkiyfirdrttarheimildbank ' anum.Fr18raaldrigetaviWskiptamennbankansfengiWyfirdrttarheimildalltaWfjrhW  100.000kr.Yfirdrttarvextireru14,90%afnotaWriheimild.ViWskiptabankarnirgetaaW  sjlfsgWuekkifylgstmeWviWskiptumeinstaklingaWrumviWskiptabnkumogYverekki `  fylgstmeWhvortunglingarsafnayfirdrttarheimildumhjmrguminnlnsstofnunumsam S+! tmis. "   Svar0slandsbanka!FBAhf.:ViWskiptavinumeruekkiveittaryfirdrttarheimildirfyrren # YeireruorWnirfullra18raogfjrrWa.Hverums;knumyfirdrttarheimildermetinsrstak  $ legameWtillititilumskjanda.LitiWertilviWskiptaviWkomandi,t.d.hvorthannermeW !W% launaveltureikning.EkkieralgengtaWveita18!20raungmennumyfirdrttarheimildir,en J""& YegarYaWergerteryfirdrttarheimildnrundantekningarlaustbilinu50!100Ys.kr. #' VaxtakjrerusamkvmtverWskrbankanseinsoghnerhverjumtma.Yfirdrttarvextir #( erun20,9%.BankinnhefurekkiaWgangaWupplUsingumumYaWhvortunglingarsemeru $ ) meWdebetkortbankanumerumeWdebetkortWrumbankaeinnig.X;kemurfyriraWung v%N!* lingarveitabankanumumboWtilaWflnayfirlitfrWrumlnastofnunumtilYessaWkanna A&"+ Yetta.  '",   &  SvarLandsbanka0slandshf.:ReglurbankansgeraekkirWfyriraW;fjrrWaunglingar '#- getistofnaW''FԀtilyfirdrttarreikningihjbankanum.XegarfjrrWiernWviW18raaldur (z$. gildaYrregluraWveitterheimildtilyfirdrttareflgWerframfullngjanditryggingaW ( matibankans.SamkvmtstarfsreglumberaWgtafyllstuvarfrniviWveitinguslkraheim  ildaenYreruekkifstfjrhWheldurrWastafmatibankanshverjutilviki.Ekkiersr  staklegafylgstmeWYvhvorteinstaklingarsemeruviWskiptumviWLandsbankannstofna a reikningahjWruminnlnsstofnunum.VaxtakjroggjaldtakarWstafkvrWunumbankans T, hverjumtma.    SvarSparisj;WsReykjavkurogngrennis:Xeirsemeruyngrien18raogeruaWilar  NmsmannaYj;nustuSPRONgetafengiWyfirdrttarheimildefYeireigakostYvaWfln   frL0N.SlkterY;algjrundantekning.HeimildingeturaldreiorWiWmeirientlaWlnfr  X L0N.Btlnsvextirnireru14,85%.Xeirsemeru18!20ragetas;ttumyfirdrttarheimildupp K #  alltaW100Ys.kr.ntrygginga,samkvmtnnarireglumSPRONsemkveWam.a.um    greiWslugetuo.fl.EfYeireigakostaWflnfrL0Neruyfirdrttarvextirnir14,85%,enann    ars19,25%.     SvarSparisj;WsHafnarfjarWar::fjrrWaunglingieraldreiveittyfirdrttarheimild.Xeir wO  semorWnireru18rahafamguleikaaWskjaumyfirdrttarheimild.Tilvikhversogeins B  erskoWaWYegarkvrWunertekinumYaWhvortums;kninssamYykkteWaekki.Ekkier    hgtaWnefnaneinakveWnatlusemsvarviWspurningunniumhveharyfirdrttarheimildir   getiorWiWYveinsogfyrrsegirerhverogeinnviWskiptavinurskoWaWursrstaklegameW {  tillititilviWskiptasgu.AlmennareglanerY;aWfaramjgvarlegameWYsemeruaWfyfir nF drttarheimildirfyrsturunumogerYaWundantekningefhrriheimildiren50.000kr.eru 9 veittartilaWilaaldrinum18!20ra.Efs;tterumhrriheimildiren50.000kr.eroftast  ;skaWeftirtryggingarvxli.SpurterhvortunglingargetisafnaWyfirdrttarheimildumlna  stofnunum.XessuererfittaWsvaraenhjSPHeriWulega;skaWeftirYvaWviWkomandiung r lingursamYykkiaWstarfsmaWurSPHkalliframsvokallaWlnayfirlitsemersafnupplUsinga e= umtlnviWkomandieinstaklingsllumbnkumogsparisj;Wum.lnayfirlitinukomaYv 0 framupplUsingarumYaWhvortviWkomandierskuldviWaWrafjrmlastofnun.Efsvoer  skerWirYaWmguleikaunglingsinstillntkuhjSPH.VaxtakjrNmsmannareikningum  eru19,25%ogSrtkkareikningumeruYau20,75%.GjaldtakaersambrilegoghjWrum i viWskiptavinum,Y.e.innheimterufrslugjld,tskriftargjldogkortagjld. \4   SvarSparisj;Wsvlstj;ra:Ekkieruveittaryfirdrttarheimildirfrekarennnurtlntil ' ;fjrrWaeinstaklinga.Eftir18raaldurerhvereinstaklingurmetinnfyrirsigmeWtillititil  tlna.ReynteraWkomavegfyriraWeinstaklingarsafniyfirdrttarheimildummrgum  lnastofnunummeWYvaWskoWasvokallaWFE-yfirlit(meWskrifleguleyfiviWkomandiein `  staklings).UpphWyfirdrttarheimildarinnarferalfariWeftirtekjumhversogeins.Einstak S+! lingaraldrinum18!20raYurfanrundantekningarlaustaWkomameWtryggingarvxilmeW " byrgWarmnnumtilaWfyfirdrttarheimild.XeirsemstundanmsemerlnshfthjL0N # getafengiWalltaW90%lnsinsfyrirframformiyfirdrttar.  $ "i0J"  i0JY2%  5  .3  Ԉ0    HvereruviWurlgviWttektumninnstWuafdebetkortumunglingaoghvemikiWvar J""& uminnstWulausarttektirafYessumdebetkortumsl.ri?i0JYFY݌#' Ќ    SvarBnaWarbanka0slandshf.:Allireinstaklingaraldrinum12!18raerumeWshringi #( kort.Einstaklingumundir18raaldrierekkiveittyfirdrttarheimild.EfinnstWulausttekt $ ) srstaWYrttfyrirYaWerekkertsrstaktgjaldskuldfrtdebertkortareikninginn.Ekki v%N!* liggjafyrirneinslktilvikuminnstWulausarttektirsl.ri. A&"+ &    Svar0slandsbanka!FBAhf.::fjrrWaviWskiptavinirfeinungissvoklluW?shringi  '", kort enmeWYvertluninaWtryggjaaWttektsekkimgulegefinnstWa' '\Ԁerekkifyrir '#- hendi.rfdmierutilumaWunnthefurveriWaWtakatafshringikortum,YrttfyriraW (z$. YaWeigiekkiaWverahgt.ErYarumtknigallaaWrWaheimildargjafakerfi.Gjaldvegna ( innstWulausrardebetkortafrsluerfelltniWurYegarumshringikorteraWrWa.    SvarLandsbanka0slandshf.:ReglurbankansgeraekkirWfyriraW;fjrrWaunglingar  getifengiWyfirdrttarheimild.SamkvmtgjaldskrLandsbanka0slandshf.,dags.20.mars a 2001,ervanskilagjaldafinnstWulausumfrslumreikningfr650kr.ogferstighkkandi T, enhmarksgjalder5.490kr.AukYessberaWgreiWadrttarvextimiWaWviWfjrhW.0undan  tekningartilvikum,svosemYegarverslaniraftengjaposaeWashringikerfiWbilar,getur  myndast_yfirdrttur_Ԁreikninginyfirdrttarheimildar.HafireikningurveriWyfirdreginnn   heimildar10dagaerhonumlokaW.InnstWulausarttektirsWastariafdebetkortum  X unglinga13!18rahjLandsbankanumvoru152ogummjglgarfjrhWirvaraWrWa K #  flestumtilvikum.      SrstaklegaskaltekiWframaWsumnmsmenn18raogeldriaWrWa,semeigavon    lnifrL0N,getaYeirfengiWyfirdrtttkkareikningsinnsamkvmtnms-oglnsfjr   tlunfrL0N.Vaxtakjrerumisjfn,bWiinnvextirogtvextir. wO    SvarSparisj;WsReykjavkurogngrennis:Efeinstaklingurtekurtafreikningisnum B  umframttektarheimildYarfhannaWborgakveWiWgjaldsemfereftirYvhvaWdebetkorta    frslanvarh.Eftirfarandigjaldtakaergildi:     725kr.efupphWfrsluer0!5.000. {    1.395kr.efupphWfrsluer5.001!10.000. nF   2.295kr.efupphWfrsluer10.001!50.000. 9   3.895kr.efupphWfrsluer50.000!200.000.    6.750kr.efupphWfrsluer200.000oghrri.    Hj12!18raviWskiptavinumSPRONvoruinnstWulausarttektir80talsinsriW2000. r Xrnmusamtals111Ys.kr.,eWa1.388kr.aWmeWaltalihverttekt. e=   Hj19!20raviWskiptavinumSPRONvoruinnstWulausarttektir2.004talsinsriW 0 2000.Xrnmusamtals2.956Ys.kr.,eWa1.475kr.aWmeWaltalihverttekt.    Samtalsvoruhj12!20raviWskiptavinumSPRONinnstWulausarttektirYv2.084  talsinsriW2000.Xrnmusamtals3.067Ys.kr.,eWa1.472kr.aWmeWaltalihverttekt. i   SvarSparisj;WsHafnarfjarWar:AllirunglingarframaW18raaldrierumeWshringikort \4 oghafaYeirYvengamguleikaYvaWframvsakortunumninnstWu.Undantekningfr ' YessuereffrsluerhleyptgegnnYessaWhringtsogbeWiWumstWureikningsinsen  slktgeristefbilunsrstaW,t.d.smkerfi.SlktsreinungisstaWundantekningartilvik  umogeruslkarfrslurllumtilvikumnnokkurraviWurlaga. `    SvarSparisj;Wsvlstj;ra:ViWurlgviWttektumninnstWu_eru_ԀsvokallaWurFITkostn S+! aWursamkvmtgjaldskr. " "i0J"  i0Jm2%  6  .3  Ԉ0    HvernigereftirlitihttaWmeWdebetkortumogerYaWeWlilegtaWmatirWherraaW  $ ;fjrrWaunglingarhafirtttildebetkorta?i0Jmn݌!W% Ќ   _ikmo(%00_ikmo  UmopinberteftirlitmeWdebetkortumsemogannarrifjrmlastarfsemieftirlitsskyldra J""& aWilafersamkvmtlgumnr.87/1998,umopinberteftirlitmeWfjrmlastarfsemi. #'   Samkvmt75.gr.lgrWislaga,nr.71/1997,rWur;fjrrWamaWursjlfursjlfsaflaf #( snuoggjafaf.XrWurhanneinnigYvfsemlgrWamaWurhanshefurltiWhannhafatil $ ) rWstfunar.Xannighafa;fjrrWaunglingarrtttilaWrWstafasjlfirframangreindumfjr v%N!* munum.ViWskiptarWherratelurYveWlilegtaW;fjrrWaunglingarhafirtttildebetkortatil A&"+ aWrWstafasjlfsaflafoggjafaf,endaerhreingnguumaWrWanUjanmiWiltilrWstf  '",  unarfjrins.AfstaWarWherraerY;vitanlegahWYeimforsendumaWfyllstuvarkrnisbeitt '#- afhlfuviWskiptabankaogsparisj;Wa,&   svosemaWekkisunntaWstofnatilskuldarmeWyfir ( drttarheimildogaWdebetkortiWsshringikort.'(;t