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(e88"i0J"  i0J-2e  1  .3  Ԉ0    _VeWhfni_ԀYeirrar_fasteignar_ԀsemlgWeraWveWifyrirtilgreindriskuld.i0J-.݌ Ќ  "i0J"  i0JJ/2e  2  .3  Ԉ0    _GreiWslugetu_Ԁ_skuldara_.i0JJ/w/݌i Ќ    Stj;rn_0bWalnasj;Ws_Ԁskal,aWfengnusamYykkiflagsmlarWherra,semjaviWviWskipta \4 bankaeWaaWraaWilaummatYeirraYttasemgreinir1.mgr. ' @;;!9.gr.    EftirfarandibreytingarverWa19.gr.laganna: `  ! ! (88"i0J"  i0J22  a  .3  Ԉ0    1.mgr.orWastsvo:i0J22݌S+! Ќ    0     v Ln_0bWalnasj;Ws_Ԁerugreiddtpeningum.Wurenkemurtil_tgreiWslu_Ԁlnsskal " _lntaki_Ԁgefat_0LS_-veWbrfog_YinglUsa_ԀYv._0LS_-veWbrfskalveraverWtryggtmeWvsi # tlu_neysluverWs_,sbr.lgumvsitlu_neysluverWs_,ogberavextiskv.21.gr. $ "i0J"  i0JX62  b  .3  Ԉ0    0staWorWanna?Skiptam_fasteignaveWbrfi_Ԁog_hsbrfum_ԀfyrirfjrhWsemnemur  !W% 1._mlsl_.2.mgr.kemur:_Lnveiting_Ԁsamkvmt_0LS_-veWbrfigeturnumiW.i0JX66݌J""& Ќ  "i0J"  i0J82  c  .3  Ԉ0    0staWorWsins?_fasteignaveWbrfiW_ 2._mlsl_.2.mgr.kemur:_0LS_-veWbrfiW.i0J88݌#' Ќ  "i0J"  i0JG:2  d  .3  Ԉ0    & , 0staWorWanna?_fasteignaveWbrfa_Ԁsem_hsbrfadeild_ 3._mlsl_.2.mgr.kemur:_0LS_Ԅ #( veWbrfasem_0bWalnasj;Wur_.i0JG:t:݌$ ) Ќ  "i0J"  i0Jz<2  e  .3  Ԉ0    FyrirsgngreinarinnarorWastsvo:_0LS_-veWbrf.i0Jz<<݌v%N!* Ќ  ',#:@!10.gr.  '",   21.gr.lagannaorWastsvo: '#-   _Lnstmi_ԀalmennralnageturveriWalltaW40r,sbr.Y;48.gr.RWherraskalkveWannar (z$. umlnstmaeinstakra_lnaflokka_ԀreglugerW. (   _0LS_-veWbrfbervextiogverWbturfrYeimdegisem_0bWalnasj;Wur_ԀsamYykkir_ln  veitinguna_.    Stj;rn_0bWalnasj;Ws_ԀkvarWarvexti_0LS_-veWbrfameWhliWsj;naf_fjrmgnunarkostnaWi_ a reglulegumtboWum_bWabrfa_ԀogfjrmagnskostnaWivegna_uppgreiddra_Ԁlnaskv.23.gr. T, aWviWbttu_vaxtalagi_Ԁskv.28.gr.    Vextirskuluvera;breytanlegirallan_lnstmann_._VeWlnaflutningur_Ԁmillifasteignaer  heimill.KveWaskalreglugerWnnarumhvenrslkheimilderfyrirhendiogmeWhvaWa   skilyrWum.  X @!11.gr.      22.gr.lagannaorWastsvosamtfyrirsgn:    @}}_0bWabrf_.     _0bWalnasj;Wur_Ԁgefurt_bWabrf_. wO    _0bWabrf_Ԁeru_rafbrf_,sbr.lgum_rafrna_Ԁ_eignarskrningu_ԀverWbrfa,nr.131/1997. B  @!12.gr.     23.gr.lagannaorWastsvosamtfyrirsgn: {  @GreiWslurlna. nF   _0bWalnasj;Wur_Ԁinnheimtirafborganir,verWbturogvextiaf_0LS_-veWbrfumogrWstafar 9 YvfsemYannig_innheimtist_ԀtilendurgreiWslu_fjrmgnunarbrfa_Ԁsj;Wsins._Skuldurum_Ԁ_0LS_Ԅ  veWbrfaerheimiltaWgreiWa_aukaafborganir_ԀafskuldabrfumsnumeWaaWendurgreiWa  _skuldina_ԀaWfullufyrirgjalddaga. r   RWherraerheimilt,viWsrstakaraWstWurogaWfenginniumsgnstj;rnar_0bWalna e= sj;Ws_,aWkveWaaW_aukaafborganir_Ԁog_uppgreiWsla_Ԁ_0LS_-veWbrfaverWiaWeinsheimilargegn 0 greiWsluY;knunarsemjafnitaWhlutaeWaaWlluleytimuninn_uppgreiWsluverWi_Ԁ_0LS_ԄveW  brfsog_markaWskjrum_Ԁ_sambrilegs_Ԁ_bWabrfs_.GetaskalumYessaheimildskilmlum  _0LS_-veWbrfa. i @!13.gr. '   24.gr.lagannaorWastsvosamtfyrirsgn:  @p p _GreiWslukjr_Ԁ_bWabrfa_.    _0bWabrf_Ԁskulugefint_verWbrfaflokkum_.Stj;rn_0bWalnasj;Ws_Ԁgerirtillgutilflags `  mlarWherraumvexti,_verWtryggingarskilmla_,_endurgreiWsluform_Ԁoglnstmahverjum S+! flokki. "   &  14.gr.  $ P  25.gr.lagannaorWastsvosamtfyrirsgn: !W% @ _Gjaldfallin_Ԁ_fjrmgnunarbrf_. J""&   _EndurgreiWslur_Ԁ_hfuWst;ls_Ԁogvaxtaaf_fjrmgnunarbrfum_,semfallnarerugjalddaga, #' fyrnastsYeirraekkivitjaWinnanturafrgjalddaga._EndurgreiWslur_Ԁ_fjrmgnunarbrfa_' P #( beraekkivextieWaverWbtureftirgjalddaga.Um_;gildingu_Ԁ_fjrmgnunarbrfa_Ԁfereftiral $ ) mennumlgum. v%N!*    '", _ @!15.gr. (   26.gr.lagannaorWastsvosamtfyrirsgn:  @} } ViWskiptimeW_ bWabrf_ .    _ 0bWabrf_ ԀskuluveraskrW_ skuldabrfamarkaWi_ ,svosem_ verWbrfaYingi_ ԀeWakaup a hll. T,   _ 0bWalnasj;Wi_ ԀerheimiltaWkomaf;t_ aWalmiWlarakerfi_ ԀmeW_ bWabrf_ .    _ 0bWalnasj;Wi_ ԀerheimiltaWlna_ aWalmiWlara_ ԀverWbrfgegntryggingutilaWliWkafyrir  _ verWmyndun_ ԀmarkaWi.   @!16.gr. K #    27.gr.laganna,sbr.23.gr.laganr.84/1998,orWastsvo:      _ FjrmlaeftirlitiW_ ԀskalhafaeftirlitmeWYvaWstarfsemi_ 0bWalnasj;Ws_ ԀssamrmiviW    kvWilagaYessaraogreglugerWasettrasamkvmtYeim.UmeftirlitiWfersamkvmt   kvWumlagaumopinberteftirlitmeWfjrmlastarfsemi,eftirYvsemviW. wO  @!17.gr.      28.gr.lagannaorWastsvo:     _ 0bWalnasj;Wi_ ԀerheimiltaWskiljasr_ vaxtalag_ ԀtilaWmtarekstrarkostnaWi,tluWum {  _ tlnatpum_ Ԁog_ vaxtahttu_ Ԁsj;Wsins.FlagsmlarWherrakveWur_ vaxtalag_ ԀYetta,aWfengn nF umtillgumstj;rnar_ 0bWalnasj;Ws_ . 9 @!18.gr.    29.gr.lagannaorWastsvo: r   FlagsmlarWherragetursettfrekarifyrirmlireglugerWumlnveitingar_ 0bWalna e= sj;Ws_ ,tilhgunviWskiptaogtgfu_ bWabrfa_ . 0 @ 19.gr.    Fyrirsgn_ VI_ .kaflalagannaorWastsvo: Almennln!_ bWabrf_ .  i @ 20.gr. '   0staWorWsins?_ fasteignaveWbrf_  7.mgr.31.gr.lagannakemur:_ 0LS_ -veWbrf.  @!21.gr. `    2.mgr.47.gr.laganna,sbr.3.gr.laganr.77/2001,orWastsvo: S+!   Stj;rn_ 0bWalnasj;Ws_ ԀereinnigheimiltaWafskrifatistandandi_ veWkrfur_ Ԁsj;WsinsYegar " bWsemst;WaWveWifyrirviWkomandikrfuhefureyWilagstaf;viWrWanlegumorskum. # _ Afskriftaheimildin_ Ԁnrtil_ veWkrafna_ Ԁsj;WsinsaWYvleytisemsluverW,afslttureWabtur  $ dugaekkitilaWgreiWaYruppmiWaWviW_ veWrW_ Ԁhvlandilna.SkilyrWifyrir_ afskriftum_  !W% samkvmtYessarimlsgreineraW_ fasteignareigandi_ ԀhafitekiWvenjubundnar_ fasteigna J""& tryggingar_ . #' @!22.gr. $ )   LgYessiWlastgildi1.jl2004. v%N!*    '",   kvWitilbrWabirgWa. ( I.       Fr1.jl2004til15.september2004skiptir_ 0bWalnasj;Wur_ Ԁ_ fasteignaveWbrfum_ ,sem  _ skiptanleg_ Ԁerufyrir_ hsbrf_ Ԁr1.eWa2.flokki2001,fyrirpeninga.Krfuhafifrgreittnafn a verW_ fasteignaveWbrfsins_ Ԁauk_ fallinna_ Ԁ_ verWb;ta_ ԀogvaxtaaW_ frdregnu_ Ԁ_ lntkugjaldi_ .llln T, _ hsbrfakerfinu_ ԀsemekkihafahlotiW_ lokaafgreiWslu_ Ԁfyrir1.jl2004verWaafgreiddskv.  _ VI_ .kaflalaganna.    XrttfyrirkvWi22.gr.lagaYessaraer_ 0bWalnasj;Wi_ ԀheimiltaWhefjatgfuogslu   _ bWabrfa_ Ԁ15.aprl2004.Frsamatmaer_ 0bWalnasj;Wi_ ԀheimiltaWbj;Waeigendum_ hs  X brfa_ Ԁog_ hsnWisbrfa_ ԀaWskiptaYeimfyrir_ bWabrf_ .Stj;rn_ 0bWalnasj;Ws_ ԀkveWur K #  hvaWakjrumskiptiverWaboWinogtilkynnirYaWmeWhfilegumfyrirvara.    @# II.      _ 0bWalnasj;Wur_ Ԁtekuryfirllrttindiogskyldur_ hsbrfadeildar_ ԀsemkveWiWerum wO  lgumogreglugerWum._ FasteignaveWbrf_ Ԁsem_ skiptanleg_ Ԁvorufyrir_ hsbrf_ Ԁhaldagildisnu, B  sbr.Y;1.mgr.kvWistilbrWabirgWaImeWlgumYessum.      _ Hsbrf_ Ԁog_ hsnWisbrf_ ԀsemgefinhafaveriWtnafni_ 0bWalnasj;Ws_ ,Byggingarsj;Ws   rkisinsogByggingarsj;WsverkamannatengslumviWlnveitingarogfjrmgnunYessara {  sj;Wahaldagildisnu._ Skilmlar_ ԀYegartgefinnabrfahaldagildisnutlnstmaYeirra. nF Samagildirummismunandiflokka_ hsbrfa_ . 9   _ 0bWalnasj;Wi_ ԀerheimiltaWyfirfraeldriflokka_ hsbrfa_ Ԁ_ rafbrf_ Ԁsamkvmtlgumum  _ rafrna_ Ԁ_ eignarskrningu_ ԀverWbrfa,nr.131/1997.  @ww" III.  e=   _ 0bWalnasj;Wur_ Ԁinnheimtirafborganirogvextiafkeyptum_ fasteignaveWbrfum_ ,semskipt 0 varfyrir_ hsbrf_ ,ogrWstafarYvfsemYannig_ innheimtist_ ԀtilendurgreiWslu_ hsbrfa_ Ԁeftir  hlutkestieWatil_ endurlna_ .    _ Skuldurum_ Ԁ_ fasteignaveWbrfa_ ԀsemskipthefurveriWfyrir_ hsbrf_ ԀerheimiltaWgreiWa i _ aukaafborganir_ ԀafskuldabrfumsnumeWaendurgreiWa_ skuldina_ ԀaWfullufyrirgjalddaga.Til \4 aWjafnafjrstreymivegnaslkra_ endurgreiWslna_ ԀerheimiltaWinnleysatgefin_ hsbrf_ Ԁeftir ' hlutkesti,sbr.1.mgr.,eWakaupa_ hsbrf_ ԀmarkaWi_ endurkaupatboWum_ ._ 0bWalnasj;Wi_   erheimiltaWfratrb;khaldisnuYau_ hsbrf_ Ԁsemsj;WurinnkannaWeignast.    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S+! @ #dggAthugasemdirviWlagafrumvarpYetta.#ggdwyԈ #   TilgangurlagaumhsnWisml,nr.44/1998,eraWstuWlaaWYvmeW_ lnveitingum_ Ԁog  $ skipulagihsnWismlaaWlandsmenngetibiWviWryggiogjafnrttihsnWismlumog !W% aWfjrmunumverWisrstaklegavariWtilYessaWaukamguleikaf;lkstilaWeignasteWa J""& leigjahsnWi_ viWrWanlegum_ Ԁkjrum. #'   0stefnuyfirlUsingurkisstj;rnarinnarfr23.ma2003erkveWiWumaWhaldiWverWi #( framendurskipulagningu_ hsnWismarkaWi_ ԀsamrmiviWmarkmiWum_ 0bWalnasj;W_ . $ ) _ Lnshlutfall_ Ԁalmennra_ bWalna_ ԀverWihkkaWkjrtmabilinufngumalltaW90%af v%N!* verWgildieigna,aWkveWnuhmarki.JafnframtvartaliWnauWsynlegtaWsamhliWaslkri A&"+ hkkunyrWigerWbreyting_ skuldabrfatgfu_ Ԁ_ 0bWalnasj;Ws_ Ԁsemmundibta_ verWmyndun_   '", skuldabrfasj;WsinsmarkaWi.0framhaldiafYessaristefnumrkunsettiflagsmlarWherra '#- f;t_ verkefnisstj;rn_ Ԁog_ rWgjafarh;p_ Ԁsemhefuryfirumsj;nmeWYessaribreytingu.0Yeim (z$. h;pivarkveWiWaWbWaniWurstWunefndarsemfjrmlarWherraskipaWi28.mars2001til ( aWskoWaformogtilhgun_ verWbrfatgfu_ Ԁ_ 0bWalnasj;Ws_ ԀYeimtilgangiaWeflastWu  YeirraennfrekarmarkaWi.NefndinskilaWitillgumsnumokt;bermnuWi2003ogfylgja  niWurstWurhennarfylgiskjalimeWfrumvarpiYessu.0kjlfariWkynntiflagsmlarWherra a fyrirrkisstj;rn31.desember2003fyrirtlanirumendurskipulagningu_ skuldabrfatgfu_  T, _ 0bWalnasj;Ws_ ԀsemerunnartfrWarYessufrumvarpi.    Umrddrinefndumendurskipulagningu_ verWbrfatgfu_ Ԁ_ 0bWalnasj;Ws_ Ԁvarsnumtma  m.a.faliWaWskoWasamhfingu_ tgfna_ Ԁ_ 0bWalnasj;Ws_ Ԁogrkissj;WsYannigaWYrmyndi   eWlilegatmarWtil_ vaxtamyndunar_ ,jafntverWtryggWumsem_ ;verWtryggWum_ Ԁbrfum.Auk  X YessttinefndinaWgeratillgurumendurskipulagningueldriflokka_ hsbrfa_ Ԁog_ hsnWis K #  brfa_ ԀogkannamguleikaYessaWtgfaYeirrayrWiframvegisWruformienhingaWtil,t.d.    YannigaWgefinyrWiteintegundbrfastaWtveggjaogaWhorfiWyrWifrtdrtti_ hsbrfa_ .    TryggjaYyrftiaWslkbreyting_ raskaWi_ Ԁsemminnst_ greiWsluflWi_ Ԁ_ hsnWislnakerfisins_ .Enn   fremurbarnefndinniaWathugamguleikaaWrkissj;WurhyrfiafverWtryggWamarkaWnum wO  aWsinniogeinbeittisrYessstaWaW_ ;verWtryggWum_ Ԁtgfum. B    0skUrslunefndarinnarkemurm.a.framaW_ rkisverWbrf_ ԀogverWbrfmeWrkisbyrgWeru    grunnur_ verWmyndunar_ ԀverWbrfaflestumlndummeW_ Yr;aWan_ Ԁ_ fjrmagnsmarkaW_ ._ Lns   htta_ ԀrkiseryfirleitttalinltilsemenginogYaraWaukihafa_ rkissj;Wir_ Ԁoftastbolmagntil {  aWhaldatingjanlegast;rumflokkumverWbrfaogtryggjangaveltu.MikilvgteraW nF formogtilhgunbrfannasYannigaWunntsaWgegnaYessuhlutverkimeWsem_ hagkvm 9 ustum_ Ԁhtti.Rkissj;Wurhefurendurskipulagt_ verWbrfatgfu_ Ԁsnaog_ slutilhgun_ ԀYv  skyniaWstyrkja_ verWmyndun_ ._ VerWbrfatgfa_ Ԁ_ 0bWalnasj;Ws_ ԀerumtalsverWogmeWrkis  byrgWsemaWWrujfnuttiaWleiWatilsvipaWrakjaramarkaWi.SvohefurY;ekkiveriW r ogerYvm.a.kenntumaW_ skilmlar_ Ԁ_ hsbrfa_ Ԁvaldi;vissumarkaWivegna_ tdrttarfyrir e= komulags_ Ԁogmguleika_ aukatdrtti_ ԀaukYesssembrfinvorugefintmrgumogsm 0 umflokkumframanaf.Frrinu1996hefur_ 0bWalnasj;Wur_ ԀhinsvegargefiWtst;ra_ mark  flokka_ ԀskuldabrfasemhafanWkveWinnistWumarkaWi.FyrirkomulagendurgreiWslu  _ hsbrfa_ ԀsrsgulegarskUringarogvarsnumtmaeWlilegtlj;siaWstWnaenforsendur i hafabreyst,m.a.vegnabreytinga_ markaWsumhverfi_ Ԁogtilkomu_ rafrnnar_ Ԁ_ eignaskrningar_  \4 verWbrfa. ' @U U  MarkmiWfrumvarpsins.     XaWfrumvarpsemhrerlagtframhefurYaWaWmarkmiWiaWtryggjalandsmnnumhag `  kvmari_ hsnWisln_ Ԁgegnum_ 0bWalnasj;W_ ԀmeW;dUrarifjrmgnunalmennumlna S+! markaWi.XessumarkmiWiaWnmeWendurskipulagningu_ verWbrfatgfu_ Ԁ_ 0bWalnasj;Ws_  " semeykurhagkvmni_ fjrmgnunar_ ,snWurafhelstuagnasemerunveranditgfuog # skapargrundvllfyrir_ traustri_ Ԁ_ verWmyndun_ Ԁ_ frum_ -og_ eftirmarkaWi_ Ԁ_ bWabrfa_ .  $   MeWYessumbreytingumerstefntaWYvaWbtahaglntakendasj;WsinsbWimeWlgri !W% _ fjrmgnunarkostnaWi_ Ԁoghttuminni_ fasteignaviWskiptum_ ._ HsbrfakerfiW_ ԀhefurveriWviW J""& lUWitpfimmtnroghefuralmenntgefistvel.Fyrirkomulagskipta_ hsbrfa_ Ԁfyrir_ fast #' eignaveWbrf_ ԀYykirhinsvegarfl;kiWogvxtunarkrafafjrfestahverjumtmahefurrWiW #( _ affllum_ ԀeWa_ yfirverWi_ Ԁ_ hsbrfanna_ ._ Affll_ ԀYessihafaorsakaWtluverWahttu_ fasteigna $ ) viWskiptum_ Ԁsem_ bWakaupendur_ ԀhafaboriW.MeWYeirri_ kerfisbreytingu_ ԀsemlgWertil v%N!* frumvarpinuergertrWfyriraW_ bWaln_ ԀverWigreiddtpeningumoghrifaffallaviWslu A&"+ verWbrfaverWiYarmeWrsgunni.LninmunuberafastavextisamrmiviW_ vxtunar  '", krfu_ Ԁhverjusinni. '#-   FrumvarpiWmiWaraWYvaWauka_ seljanleika_ Ԁ_ bWabrfa_ Ԁ_ verWbrfamarkaWi_ ,enmegin (z$. regla_ verWmyndunar_ ԀmarkaWiersaWYveinfaldarisem_ skilmlar_ Ԁbrfannaeru,Yeimmun ( lgri_ vxtunarkrfu_ Ԁgera_ fjrfestar_ ԀtilYeirra.EfsverWurrauninmunu_ lntakendur_ Ԁnj;ta  Yessvinnings,staWYessaWseljendurnj;ti_ yfirverWs_ ԀeWaberi_ affll_ Ԁnverandikerfi.X  nUttfyrirkomulag_ verWbrfatgfu_ Ԁ_ 0bWalnasj;Ws_ ԀaWveratilYessfalliWaWauWveldafyrir a hugaWahkkun_ lnshlutfalls_ Ԁ90%. T, @  EintegundverWbrfa.     0frumvarpinuerlagttilaWstaWYessaW_ 0bWalnasj;Wur_ ԀgefittvrtegundirverWbrfa   einsogveriWhefur,Y.e._ hsbrf_ Ԁog_ hsnWisbrf_ ,gefisj;Wurinneinungisteinategund  X verWbrfa.0samrmiviWskUrslunefndarinnarerlagttilaWnafnYessaranUjubrfaverWi K #  _ bWabrf_ ԀogvsiYannigbWitil_ tilgangsins_ ԀmeWtgfubrfannaogtgefandaYeirra.    @  Form_ bWabrfa_ Ԁogtgfa!_ 0LS_ -veWbrf.      GerterrWfyriraW_ bWabrf_ ԀverWiverWtryggW_ jafngreiWslubrf_ ԀmeWfj;rum_ endurgreiWsl wO  um_ Ԁri._ JafngreiWslubrf_ ԀeruYekkt_ skuldabrfaform_ ԀallsstaWarheiminumogttuYvaW B  fallaaWllumkerfumsemdagerunotuWtengslumviWverWbrfaviWskipti.StefnteraWYv    aW_ bWabrf_ ԀverWigefintfumflokkumsemverWiopnirallan_ lftmann_ ԀogverWist;rirog   Yv_ markaWshfir_ ԀalYj;WlegummarkaWi.Einnsj;WurmeWllumeignumstandiaWbaki {  _ bWabrfum_ Ԁen_ b;khaldslegum_ ԀaWskilnaWiverWiviWhaldiWfyrirfjrmgnunmismunandi nF _ tlnaflokka_ .HiWnUjaheiti_ 0LS_ -veWbrfkemurstaW_ fasteignaveWbrfa_ Ԁsem_ skiptanleg_ Ԁeru 9 fyrir_ hsbrf_ ԀaukYesssem_ orWskUringu_ Ԁerbreytt.XettaergerttilaWgreiningarfrfyrritegund  _ veWbrfa_ ԀogertlaWaWauWveldakerfisbreytinguna.  @   Endurskipulagningeldritgfu.  e=   TilaWflUtafyriraW_ bWabrf_ ԀverWi_ markaWshf_ ԀverWureigendum_ hsbrfa_ Ԁog_ hsnWis 0 brfa_ ԀboWiWaWskiptaYeimfyrir_ bWabrf_ .JafnframterlagttilaWskipti_ hsbrfum_ Ԁog_ hs  nWisbrfum_ Ԁfyrir_ bWabrf_ ԀverWigerW_ skiptitboWum_ .MiWaWverWiviW_ markaWskjr_ Ԁ  skiptum,aWteknutillititilhttutgefandans.LagtertilaWnnaritfrsla_ tboWunum_ , i svosemtmasetning,fjldi,tWniogvalflokkum_ hsbrfa_ Ԁog_ hsnWisbrfa_ ԀsemboWiW \4 verWuraWskiptahverjusinni,verWikveWinsamrWiviW_ markaWsaWila_ ԀogYann_ srfr;Wa_  ' aWilasemfenginnverWurtilaWstoWar_ 0bWalnasj;Wi_ ԀviW_ skuldabrfaskiptin_ .  @  _ ViWskiptavakt_ Ԁogsala_ bWabrfa_ .  `    GerterrWfyriraWkomiWverWif;t_ aWalmiWlarakerfi_ ԀmeW_ bWabrf_ Ԁsemfelisr_ kaup S+! skyldu_ Ԁ_ frumtboWum_ ԀnUju_ verWbrfaflokkanna_ Ԁog_ viWskiptavakt_ ԀmeWbrfinmarkaWi.Lagt " ertilaW_ 0bWalnasj;Wi_ ԀverWiheimiltaWveita_ verWbrfaln_ Ԁtil_ aWalmiWlara_ ԀtilaWauWvelda_ viW # skiptavakt_ .GerterrWfyriraW_ bWabrfin_ ԀverWiskrWerlendri_ uppgjrsmiWstW_ ,efYess  $ erkostur,eWa_ skrningarhfi_ ԀYeirratryggtmeWWrumhtti. !W% @@ @  Breytingar_ tlnum_ Ԁ_ 0bWalnasj;Ws_ .  #'   0staWYessaW_ 0bWalnasj;Wur_ Ԁafhendi_ lntakendum_ Ԁ_ markaWsverWbrf_ Ԁskiptumfyrir_ fast #( eignaveWbrf_ ,einsogntWkast_ hsbrfakerfinu_ ,verWi_ bWabrf_ ԀboWintmarkaWiog_ ln $ ) takendur_ ԀfiandvirWi_ 0LS_ -veWbrfsins(_ fasteignaveWbrfsins_ )greitttpeningum. v%N!*   KjrlnannamiWastviW_ fjrmagnskostnaW_ Ԁ_ 0bWalnasj;Ws_ Ԁheild.ErYarannarsvegarum A&"+ aWrWa_ vaxtakjr_ ԀsemrWastafniWurstWu_ tboWs_ Ԁ_ bWabrfa_ Ԁoghinsvegar_ fjrmagnskjr_   '", vegna_ uppgreiWslna_ Ԁlna_ 0bWalnasj;Ws_ ._ VaxtakvrWun_ Ԁmunbyggjast_ vegnu_ ԀmeWaltali '#- YessaratveggjaYtta.AWaukikemurlagsemsj;WurinnbtirviW,lktogntWkastviWpen (z$. ingaln_ 0bWalnasj;Ws_ Ԁogsluhans_ hsnWisbrfum_ .XettanUjafyrirkomulaggerirYannig ( rWfyriraWvextiraf_ tlnum_ Ԁ_ 0bWalnasj;Ws_ ԀverWi_ kvarWaWir_ ԀeftirhverttboWogverWiYar  afleiWandimismunandimilli_ tmabila_ .  @ _ httustUring_ .  T,   _ 0bWalnasj;Wur_ Ԁmunekkihafaheimildtil_ innkllunar_ Ԁ_ bWabrfum_ Ԁm;ti_ uppgreiddum_   lnumogerYaWhlutiafYeirristefnum;tunaWgera_ bWabrfin_ ԀaWgengilegrimarkaWi.  Nefndumendurskipulagningu_ verWbrfatgfu_ Ԁ_ 0bWalnasj;Ws_ ԀlagWitilaWbrugWistyrWiviW   YessumvandameWYvaW_ skuldara_ ԀsemnUttisr_ uppgreiWsluheimild_ ԀyrWigertaWgreiWaaW  X fulluYann_ vaxtamun_ Ԁsemhlytistaf_ uppgreiWslu_ Ԁlnsfyrir_ lokagjalddaga_ .SleiWerY;talin K #  hafafrmeWsrUmisvandkvWi,endageturhnmgulegasett_ bWakaupendur_ ԀerfiWa    stWu,torveldaWslufasteignavegnahvlandilnaogveikt_ samkeppnisstWu_ Ԁbanka_ tln    um_ Ԁtil_ hsnWiskaupa_ .0frumvarpinuerYvgertrWfyrirYeirrimeginregluaWalmenn_ vaxta   kvrWun_ Ԁ_ 0bWalnasj;Ws_ ԀtakimiWafhrifum_ uppgreiWslna_ Ԁ_ fjrmagnskostnaW_ Ԁsj;Wsins.0Yv wO  felstaWvextirverWikveWnirsemvegiWmeWaltalvaxta_ tboWi_ Ԁogvaxta_ uppgreiddra_ Ԁlna, B  aWviWbttu_ vaxtalagi_ Ԁsj;Wsins.XannigmunkostnaWurvegna_ uppgreiddra_ Ԁlnajafnastt    nUln.     GerterrWfyriraWYessiaWferWverWimeginreglaneneinnigertaliWnauWsynlegtaWkveWa {  ummguleikasj;WsinstilaWskiljaaW_ uppgreiWsla_ ԀverWiaWeinsheimilgegngreiWsluY;kn nF unar,semjafnimun_ uppgreiWsluverWi_ Ԁ_ 0LS_ -veWbrfsog_ markaWskjrum_ Ԁsambrilegra_ bWa 9 brfa_ ,viW_ ;fyrirsW_ ԀatvikYegar_ uppgreiWslur_ Ԁgtu;gnaWstWusj;Wsins.NotaheimildYessa  eingngusemneyWarrrWiYegaraWrarleiWirngjaekkitilaWverjaeiginfjrstWusj;Wsins.  GerterrWfyriraWatbeinarWherraYurfitil.ViWYraWstWurverWurheimildlntakenda r til_ uppgreiWslu_ Ԁ_ fasteignaveWlna_ Ԁ_ Yrengd_ ԀYannigaW_ uppgreiWsla_ Ԁ_ 0LS_ -veWbrfa(_ fasteignaveW e= brfa_ )verWureinungisheimiluWgegngreiWsluY;knunarsemgtiorWiWjafnhmismun 0 markaWsverWmti_ Yekks_ Ԁ_ bWabrfs_ Ԁog_ fasteignaveWlnsins_ .UmYettavsastnnar12.gr.  frumvarpsinsogathugasemdirviWYgrein.MinntskalaW5.gr.frumvarpsinserkveWiW  umskyldu_ 0bWalnasj;Ws_ ԀtilaWsetjaf;t_ httustUringarkerfi_ ԀsemrWherrastaWfesti i reglugerW.GerterrWfyriraWYeirrireglugerWverWisvigrmsj;WsinsYessuefniskUrtnn \4 arognkvmviWmiWsettframumYaWhvenrstj;rnsj;WsinsberiaWgeratillguumaW ' YessiheimildverWinUtt.    JafnframternauWsynlegtaW_ 0bWalnasj;Wur_ ԀhafiheimildtilaWeigaviWskiptimeWverW  brfogbeitahefWbundnumaWferWumviW_ httustUringu_ ԀmeWYaWfyriraugumaWdreifa `  httusj;Wsins. S+! @)) _ httumat_ .  #   TillgurYessarbreytaYeirrisamsvrunsemveriWhefur_ greiWslustreymi_ Ԁinn-og_ tlna_   $ _ 0bWalnasj;Ws_ .BtgfanokkurraflokkameW;lkum_ tmalengdum_ Ԁtil_ fjrmgnunar_ Ԁlnum !W% Wrum_ tmalengdum_ Ԁeykur_ vaxtahttu_ Ԁsj;WsinsogYverlagttilaWsrstku_ vaxtalagi_  J""& verWibttofanvexti_ lntaka_ ԀtilaWmtaYessarihttu.ReglulegaYyrftiaWendurmeta #' YettalagmeWtillititil_ tgfutlana_ ,_ tlnatlana_ Ԁogannarrarhttusj;Wsins. #( @  _ Lagaskil_ .  v%N!*   0gildandi_ hsbrfakerfi_ ԀgetaumskjendurdregiWaWfendanlegaafgreiWslualltaWfimm A&"+ rYegarumnUbyggingareraWrWa.0frumvarpiYessuerlagttilaWskilmilli_ hsbrfakerf  '", isins_ ԀognUja_ lnakerfisins_ ԀverWiYannigaWfrogmeWgildistkunUjakerfisinsverWiengin '#- _ hsbrf_ Ԁafgreidd.XessstaWkaupir_ 0bWalnasj;Wur_ ԀYau_ fasteignaveWbrf_ ԀsemsamYykkt (z$. hefurveriWaWskiptafyrir_ hsbrf_ ԀoggreiWirfyrirYaumeWpeningum.LagterYvtilaWfr ( 1.jl2004til15.september2004skipti_ 0bWalnasj;Wur_ Ԁeingngu_ fasteignaveWbrfum_ ,sem  _ skiptanleg_ Ԁerufyrir_ hsbrf_ Ԁr1.eWa2.flokki2001,fyrirpeninga.Hinn15.september2004  lokaYessir_ hsbrfaflokkar_ .FramaWYeimtmafrkrfuhafigreittnafnverW_ fasteigna a veWbrfsins_ Ԁauk_ fallinna_ Ԁ_ verWb;ta_ ԀogvaxtaaW_ frdregnu_ Ԁ_ lntkugjaldi_ .llln_ hsbrfa T, kerfinu_ ԀsemekkihafahlotiW_ lokaafgreiWslu_ Ԁfyrir1.jl2004verWaYvafgreiddsamkvmt  hinunUjakerfi.    EinnigerlagttilaW_ 0bWalnasj;Wur_ Ԁhafiheimildtiltgfuogslu_ bWabrfa_ Ԁnokkurn   tmaWurenfariWverWuraWveitalnsamkvmtnUjulgunumtilaWtryggjafjrmgnun  X _ lnunum_ .LagtertilaWsheimildgildifrogmeW15.aprl2004.MeWYvm;tierubrfin K #  kominalmennaumferWogfarinaWmyndasjlfstttverWmarkaWiWurenfjrmgnun_ t    lnanna_ Ԁhefst.TilYessaWauka_ markaWshfi_ Ԁ_ bWabrfanna_ Ԁerstj;rn_ 0bWalnasj;Ws_ ԀheimilaW    aWbj;Waeigendumhs-og_ hsnWisbrfa_ ԀaWskiptaYeimfyrir_ bWabrf_ ԀogstkkaYannig   _ bWabrfaflokkana_ .Gildirsheimildeinnigfr15.aprl2004. wO  @ AthugasemdirviWeinstakargreinarfrumvarpsins.    @ Um1.gr.     0greininnierlagttilaWgerWarverWibreytingarefni_ orWskUringa_ Ԁalmennumlnumog {  _ viWb;tarlnum_ ._ 0LS_ -veWbrfkomastaW_ fasteignaveWbrfa_ ԀaukYesssem_ orWskUringu_ Ԁer nF breytt.NauWsynlegtY;ttiaWtakauppnUttheititilaWgreiningarfr_ fasteignaveWbrfi_ Ԁ_ 0bWa 9 lnasj;Ws_ Ԁsem_ skiptanlegt_ Ԁerfyrir_ hsbrf_ .SkUringarorWunum_ hsbrf_ Ԁog_ hsnWisbrf_   verWafelldarbrott.JafnframterbttviWskUringum_ bWabrfum_ Ԁog_ fjrmgnunarbrfum_   ogskUring_ viWb;tarlnum_ ԀaWlguWnUjukerfi. r @ Um2.gr. 0   GreininnierbreyttYannigaWtekineruaftvmliumaWlnastarfsemi_ 0bWalnasj;Ws_ Ԁs  bundinviWlnveitingartilbWarhsnWishrlandi.  @ Um3.gr. \4   GreininYarfnastekkiskUringa. ' @ Um4.gr.    LagtertilaW2.og3.tlul.,semfjallaumfjrmgnun_ 0bWalnasj;Ws_ ԀmeWslu_ hsbrfa_  `  og_ hsnWisbrfa_ ,fallibrottogstaWinnkominUrtluliWurumtgfu_ bWabrfa_ .AukYess S+! ertaliWeWlilegtaWbta_ Yj;nustugjldum_ ԀviWYessaupptalningu,enumkvrWunYeirragilda " kvWi49.gr.laganna. # @ Um5.gr. !W%   LagtertilaWfelldverWibrottskylda_ 0bWalnasj;Ws_ ԀtilaWsemjaviWlnastofnanirum J""& afgreiWsluoginnheimtulna.0staWinnverWikveWiWumheimildsemerbetrasamrmiviW #' gildandiframkvmd. #(   0greininnierkveWiWumskyldu_ 0bWalnasj;Ws_ ԀtilaWkoma_ httustUringarkerfi_ Ԁog $ ) sj;WnumveittheimildtilaWeigaviWskiptimeWverWbrf,tilaWdragarhttusj;Wsins v%N!* samrmiviWalmennsj;narmiWum_ httustUringu_ .GerterrWfyriraWrWherrasetjireglu A&"+ gerWnnarikvWium_ httuviWmiW_ ,_ httustUringu_ ,innraeftirlitogviWskiptisj;WsinsmeW  '", verWbrf.Leitaskalumsagnarstj;rnar_ 0bWalnasj;Ws_ Ԁog_ Fjrmlaeftirlitsins_ Ԁumefnireglu '#- gerWarinnar. (z$. Ї@ Um6.gr. (   LagtertilaWorWinu?endurbtur verWibttviW1.tlul.ErYaWsamrmiviWgildandi  framkvmd,sbr.kvWireglugerWum_ hsbrf_ Ԁog_ hsbrfaviWskipti_ .  @ Um7.gr. T,   LagtertilaWkvWiumstarfrkslusrstakrar_ hsbrfadeildar_ ԀverWifelldbrott.0staWinn  erkveWiWumaWgreiningu_ lnaflokka_ Ԁb;khaldi_ 0bWalnasj;Ws_ .2.og3.tlul.greinarinnar  semfjallaumskipti_ hsbrfum_ Ԁog_ fasteignabrfum_ Ԁogumslu_ hsbrfa_ ԀmarkaWifalla   brott.  X @ Um8.gr.      LagtertilaWstaWtilvsunar_ hsbrfadeild_ Ԁkomitilvsun_ 0bWalnasj;W_ ԀogaWkvWi    um_ hsbrf_ Ԁsem_ skiptanlegt_ Ԁerfyrir_ fasteignaveWbrf_ Ԁfallibrott.   @ Um9.gr. B    LagtertilaW1.mgr.komiframaW_ 0LS_ -veWbrfskuligreiddtpeningum,en_ 0LS_ ԄveW    brferheitihinumnUju_ fasteignaveWlnum_ ,sbr.athugasemdirviW1.gr.,ogkomaYau   staW_ fasteignaveWbrfa_ Ԁsem_ skiptanleg_ Ԁerufyrir_ hsbrf_ . {  @rrUm10.gr. 9   0greininnierufyrsti_ vaxtadagur_ Ԁog_ grunnvsitala_ Ԁ_ lnsins_ ԀsettsemnstYeimtmasem  _ 0bWalnasj;Wur_ ԀafgreiWirlniW.Xarsemfyrsti_ vaxtadagur_ ԀverWuraWliggjafyrirWuren_ 0LS_ Ԅ  veWbrfier_ YinglUst_ ԀerhannkveWinnsamidagurog_ 0bWalnasj;Wur_ ԀsamYykkir_ lnveit r inguna_ ԀendaergertrWfyriraW_ 0LS_ -veWbrfiWverWitilbiWtilafhendingartil_ lntaka_ ԀYann e= samadag. 0   03.mgr.erkveWiWumhvernigstj;rn_ 0bWalnasj;Ws_ ԀskulikveWa_ tlnavexti_ .EraWal  reglansaW_ tlnavextir_ ԀtakimiWaf_ fjrmgnunarkostnaWi_ Ԁsj;Wsinssemfelstannarsvegar  niWurstWu_ tboWs_ Ԁ_ bWabrfa_ Ԁoghinsvegar_ vaxtakjrum_ Ԁ_ uppgreiddra_ ԀhsnWislna.MeW i Yessum;timun_ vaxtamunur_ Ԁmilli_ fjrmgnunarkostnaWar_ Ԁog_ tlnavaxta_ ԀjafnasttnUln \4 ogekkiskapasj;Wnumhttu.ViW_ tlnavexti_ Ԁbtist_ vaxtalag_ ,sbr.28.gr.laganna. '   04.mgr.erbttviWskUrrilagaheimildfyrir_ veWlnaflutningi_ .HeimildYessiergildandi  reglugerWum_ hsbrf_ Ԁog_ hsbrfaviWskipti_ .  @rr& a Um11.gr. S+!   XarsemhttverWurfrekaritgfu_ hsbrfa_ ԀerlagttilaWgildandikvWiumtdrttog " _ aukatdrtt_ ԀverWifrWbrWabirgWakvWi.EinnigertekiWframaW_ bWabrf_ 'aSXԀverWigefint # sem_ rafbrf_ .  $ @rrUm12.gr. J""&   Heimildsj;Wsinstil_ innkllunar_ Ԁ_ bWabrfum_ Ԁm;ti_ uppgreiddum_ Ԁlnumerekkitil #' staWarhinunUjakerfi.HinalmennareglaverWursaW_ lntakendum_ ԀverWurframheimilt #( aWgreiWaupplnnsrstaks_ gjalds_ .httasj;WsinsvegnaYessamunendurspeglast_ vaxta $ ) kvrWun_ Ԁsj;Wsinsskv.3.mgr.21.gr.og_ vaxtalagi_ Ԁskv.28.gr.Sj;Wurinnmuneinnigbeita v%N!* virkri_ fjrstUringu_ ԀtilaW_ lgmarka_ ԀhttusnaaWYessuleyti. A&"+   TilaWgtafyllstaryggiserY;nauWsynlegtaWkveWaummguleikasj;WsinstilaW  '", skiljaaW_ uppgreiWsla_ ԀverWiaWeinsheimilgegngreiWsluY;knunarsemjafniaWhlutaeWaaW '#- lluleytimismun_ uppgreiWsluverWi_ Ԁ_ 0LS_ -veWbrfsog_ markaWskjrum_ Ԁsambrilegra_ bWa (z$. brfa_ .XessariheimildverWurvntanlegaeingngubeittYegar_ ;fyrirsW_ ԀatvikvaldaYvaW ( _ uppgreiWslur_ ԀaukastsvomjgaWYr;gnistWusj;Wsins.GerterrWfyriraWheimildYessari  verWieingngubeittsemneyWarrrWiYegarhefWbundnar_ httustUringaraWferWir_ Ԁogsvig  rmsj;WsinsviW_ vaxtakvrWun_ ԀngjaekkitilaWverjahagsj;Wsins.GerterrWfyriraWat a beinarWherraYurfitil. T, @rrUm13.gr.    LagtertilaW_ bWabrfaflokkarnir_ ԀverWiopnirt_ lnstmann_ ԀogYvfelltbrottnverandi   kvWiumaWgeraYurfitillguum_ heildarfjrhW_ Ԁhversflokksfyrirsig.Einnigerlagttil  X aW_ umsagnarskylda_ ԀSeWlabanka0slandsverWifelldbrottendasamrUmistslkrWgjfekki K #  hlutverkibankanssamkvmtlgumumbankann.    @rrUm14.gr.     LagtertilaWgreininniverWibreyttYannigaWhntakitil_ bWabrfa_ ,_ hsbrfa_ Ԁog_ hs wO  nWisbrfa_ . B  @rrUm15.gr.     0greininnierfjallaWumskyldu_ 0bWalnasj;Ws_ ԀtilaWskr_ bWabrf_ Ԁ_ skuldabrfamarkaWi_ . {  ViWkomandi_ verWbrfaYing_ ԀeWakauphllkveWurhvaWabrferutekinYarskrogsetur nF _ lgmarksreglur_ ԀYarum. 9   Xarsemskipti_ fasteignaveWbrfum_ Ԁfyrir_ hsbrf_ ԀverWarsgunniergerWbreyting2.  mgr.BtterviWkvWiumaW_ 0bWalnasj;Wi_ ԀsheimiltaWkomaf;t_ aWalmiWlarakerfi_ Ԁog  veita_ verWbrfaln_ Ԁtil_ aWalmiWlara_ ԀtilYessaWliWkafyrir_ verWmyndun_ ԀmarkaWiogauWvelda r Yannig_ viWskiptavakt_ ._ AWalmiWlarakerfi_ ԀmeW_ bWabrf_ Ԁflisr_ kaupskyldu_ Ԁ_ aWalmiWlara_ Ԁ e= _ frumtboWum_ ԀnUju_ verWbrfaflokkanna_ Ԁog_ viWskiptavakt_ ԀmeWbrfinmarkaWi,aukYesssem 0 _ aWalmiWlarar_ ԀyrWuYeireinusemgtugerttilboW_ bWabrfin_ ԀviW_ frumslu_ ԀYeirra._ VerW  brfaln_ Ԁtil_ aWalmiWlara_ ԀfelursraW_ 0bWalnasj;Wi_ ԀverWiheimiltaWlna_ aWalmiWlurum_   _ bWabrf_ ԀreinumflokkiYeirragegnveWifrviWkomandi_ aWalmiWlara_ Ԁ_ bWabrfum_ Ԁr i Wrumflokki.XannighefurYettafyrirkomulagekkifrmeWsraukningutgfu_ bWa \4 brfa_ ԀentryggiraWframboWYeirragetialltaftekiWmiWafYeirrieftirspurnsemermark ' aWnumogYannigstuWlaWaWeWlilegumviWskiptumog_ verWmyndun_ ԀYeirramarkaWi.  @rrUm16.gr. `    LagtertilaW_ eftirlitshlutverk_ Ԁ_ Fjrmlaeftirlitsins_ ԀverWimeiraenWurognitilstarfsemi S+! _ 0bWalnasj;Ws_ ԀheildstaWeinungis_ hsbrfadeildar_ ԀWur.EinnigerlagttilaWefni3.mgr. " 27.gr.gildandilaga,umhlutverkSeWlabanka0slands_ hsbrfaviWskiptum_ Ԁ_ eftirmarkaWi_  # fallibrott.ErsbreytingsamrmiviWfyrrnefndartillgurnefndarumendurskipulagningu  $ _ tgfumlum_ Ԁ_ 0bWalnasj;Ws_ .NnarikvWiumeftirlit_ Fjrmlaeftirlitsins_ ԀmeWstarfsemi !W% sj;WsinsverWursettreglugerWskv.5.gr.frumvarpsins. J""& @rrUm17.gr. #(   LagtertilaWviWkvrWunum_ vaxtalag_ ԀverWiheimilaWaWtakamiWaf_ vaxtahttu_ Ԁsj;Ws $ ) ins.XessibreytingersamrmiviWtillgurnefndarumendurskipulagningu_ tgfumlum_  v%N!* _ 0bWalnasj;Ws_ ԀogfelursraWtilviWb;tarlagivegnataps-og_ tlnahttu_ ԀoglagitilaW A&"+ mtarekstrarkostnaWisj;WsinsverWi_ 0bWalnasj;Wi_ ԀheimiltaWkveWalagvegna_ endurfjr  '", mgnunarhttu_ ԀYarsemsamsvrunmilli_ fjrmgnunarbrfa_ Ԁog_ fasteignaveWbrfa_ Ԁsj;Wsins '#- hefurveriWrofin. (z$. Ї@rrUm18.gr. (   GreininYarfnastekkiskUringa.  @rrUm19.gr. a   LagtertilaWfyrirsgn_ VI_ .kaflaverWibreyttmeWhliWsj;naftilkomu_ bWabrfa_ . T, @rrUm20.gr.    GreininYarfnastekkiskUringa.   @rrUm21.gr. K #    _ Krunefnd_ ԀhsnWismlahefurrskurWisnumnr.2/2003fr29.aprl2003tlkaW2.    mgr.47.gr.lagaumhsnWisml,nr.44/1998,meWsWaribreytingum,YannigaWheimildin    takitilsrstakratilvikasemsuhWmati_ 0bWalnasj;Ws_ ԀogeinnigsemdmitiltilvikaYar   sembWhefureyWilagstaf;viWrWanlegumorskum.XtelurnefndinaWreglurstj;rnar wO  _ 0bWalnasj;Ws_ ԀumskilyrWitilfyrirgreiWslustandistekkimeWtillititilskUringarkvWinu. B    SskilningurnefndarinnaraWheimildintakitilannarratilvikaenYarsembWhefur    eyWilagstaf;viWrWanlegumorskumerandstWuviWtlkun_ 0bWalnasj;Ws_ ԀkvWinu   ogtilgangikvWisinsaWmatisj;Wsins.Sj;WurinnteluraWafskriftkomieingngutilgreina {  viWYrsrstkuaWstWurYegarbWhefureyWilagstaf;viWrWanlegumorskumogeigandi nF hafiekkifengiWngarbtur.0YeimtilvikumtakmarkistheimildinviWaWafskrifalnsj;Ws 9 inssemtafstandaeftiratvikumYegarsluverW,skaWabtureWaafsltturafkaupverWihefur  veriWdregiWfrhvlandilnumeftir_ veWrW_ .    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" @  UmkvWitilbrWabirgWa.  $   0kvWitilbrWabirgWaIerusettframskilmilli_ hsbrfakerfisins_ ԀognUja_ lnakerfisins_  !W% YannigaWfrogmeWgildistkunUjakerfisinsverWiengin_ hsbrf_ Ԁafgreidd.AfYeimskum J""& ernauWsynlegtaWheimila_ 0bWalnasj;Wi_ ԀaWkaupaYau_ fasteignaveWbrf_ ԀsemsamYykkthefur #' veriWaWskiptafyrir_ hsbrf_ ԀoggreiWafyrirYaumeWpeningum.tmabilinu1.jl2004til #( 15.september2004faraskiptiframmeWYeimhttiaW_ krfuhafar_ ԀfgreittnafnverW_ fast $ ) eignaveWbrfsins_ Ԁauk_ fallinna_ Ԁ_ verWb;ta_ ԀogvaxtaaW_ frdregnu_ Ԁ_ lntkugjaldi_ .Xeir_ krfuhafar_  v%N!* erkoma15.september2004eWasWarfhinsvegartgefin_ 0LS_ -veWbrfmeWYeimkjrum A&"+ ogskilmlumsemerugildiYeimtmaSamkvmtgildandi_ hsbrfakerfi_ Ԁhafaumskj  '", endurheimildtilaWfendanlegaafgreiWslu_ hsbrfakerfinu_ ԀalltaWfimmrYegarumnU '#- byggingareraWrWa.0lj;siYessaernauWsynlegt,tilaWforWast;vissuhjvntanlegum (z$. _ lntakendum_ ,aWkveWiWsumaWmeWhvaWahttiYessiraWilargetafengiWendanlegaaf ( greiWsluums;knasinnaeftiraWbiWeraWlokafyrirafgreiWslu_ hsbrfum_ .    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B  MetaYarfhttunaafYvaWssamsvrunsemveriWhefurmilli_ fasteignaveWbrfa_ Ԁog    _ hsbrfa_ ԀhefurmeWtillgumnefndarinnarveriWrofinenaWaukiYarfaWmetahttunaaf   endurskipulagningueldrakerfismeWan_ fasteignaveWbrfin_ ԀerumeW_ uppgreiWsluheimild_ . {  @ Reykjavk,16.okt;ber2003. 9 @ BergY;raBergsd;ttir  <>& ?vvb<    Q & IngiValurJ;hannssonQ}})SigurWurGeirsson e=     QQQ& SigurWurrniKjartanssonQ'T;masrnKristinsson   <>vvb>& <@  NIVURSTVUROGTILLGUR '  EintegundverWbrfa    NefndinleggurtilaWstaWYessaW_ 0bWalnasj;Wur_ ԀgefittvrtegundirverWbrfaeins `  ogveriWhefur,Y.e._ hsbrf_ Ԁog_ hsnWisbrf_ ,gefisj;WurinneinungisteinategundverW S+! brfa.LeggurnefndintilaWnafnYessaranUjubrfaverWi_ bWabrf_ ԀogvsiYannigbWitil " _ tilgangsins_ ԀmeWtgfubrfannaogtgefandaYeirra. #  Xekkt_ verWbrfaform_  !W%   NefndinleggurtilaW_ bWabrfin_ ԀverWiverWtryggW_ jafngreiWslubrf_ ԀmeWfj;rum_ endur J""& greiWslum_ Ԁri._ JafngreiWslubrf_ ԀeruYekkt_ skuldabrfaform_ ԀallsstaWarheiminumogttu #' YvaWfallaaWllumkerfumsemnerunotuWtengslumviWverWbrfaviWskipti. #(  FirflokkarogskipulgWtgfa v%N!*    NefndinleggurtilaWtekinverWiuppskipulgWtgfa_ bWabrfa_ ԀmeWfumflokkumsem A&"+ verWigefnirtmeWturmilli_ lokagjalddaga_ .Xanniggtu_ lokagjalddagar_ ԀYessaraflokka  '", t.d.veriWupphafirin2020,2030,2040og2050.XessirflokkarverWiopnirallan_ lftmann_  '#- ogmgerarWfyriraWverWmtiYeirragtiflj;tleganumiWnokkrumtugummilljarWakr;na (z$. semgerirY_ markaWshfa_ ԀalYj;WlegummarkaWi.XegarYrfkrefWiyrWisWanbttviW ( nUjumflokkisemhefWi_ lokagjalddaga_ ԀriW2060.Einnsj;WurmeWllumeignumstandiaW  baki_ bWabrfum_ Ԁen_ b;khaldslegum_ ԀaWskilnaWiverWiviWhaldiWfyrirfjrmgnunmismunandi  _ tlnaflokka_ . a  Endurskipulagningeldritgfu    TilaWendurskipuleggjaeldritgfur_ 0bWalnasj;Ws_ ԀogflUtafyriraW_ bWabrf_ ԀverWi  _ markaWshf_ ԀleggurnefndintilaWeigendum_ hsbrfa_ Ԁog_ hsnWisbrfa_ ԀverWiboWiWaWskipta   Yeimfyrir_ bWabrf_ ԀYegarmarkaWsverWhefurmyndast_ bWabrfin_ .ViWskipti_ hsbrfum_   X verWuraWtakatillittilYessaW_ 0bWalnasj;Wur_ Ԁberverulega_ vaxtahttu_ Ԁefalmennirvextir K #  verWaundirvxtum_ fasteignaveWbrfa_ Ԁog_ uppgreiWslur_ ԀYeirraaukast.BrYessarihttuer    hgtaWdragameWYvaW_ aW_ Ԁfarahgarskipti_ hsbrfum_ .      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Breytingar_ tlnum_ Ԁ_ 0bWalnasj;Ws_  \4    NefndinleggurtilaWstaWYessaW_ 0bWalnasj;Wur_ Ԁafhendi_ lntakendum_ Ԁ_ markaWsverWbrf_  ' skiptumfyrir_ fasteignaveWbrf_ ,einsogntWkast_ hsbrfakerfinu_ ,verWi_ bWabrf_ ԀboWin  tmarkaWiog_ lntakendur_ ԀfiandvirWi_ fasteignaveWbrfsins_ ԀpeningumkjrumsemmiW  astviWniWurstWu_ tboWs_ Ԁauklagssemsj;WurinnbtirviW,lktogtWkastviWpeningaln `  _ 0bWalnasj;Ws_ Ԁogsluhans_ hsnWisbrfum_ .XettanUjafyrirkomulaggerirYannigrW S+! fyriraWvextiraf_ tlnum_ Ԁ_ 0bWalnasj;Ws_ ԀverWi_ kvarWaWir_ ԀeftirhverttboWogverWiYaraf " leiWandimismunandimilli_ tmabila_ .XettaYUWiraWekkiverWurlnaWtumframfjrmgnun # ogeinsefeftirspurneftirlnumfr_ 0bWalnasj;Wi_ ԀerminnienframboW,YverWa_ vaxtakjr_   $ sWasta_ tboWs_ Ԁvegin_ vaxtakjrum_ ԀYessnsta. !W%   Heimildlntakendatil_ uppgreiWslu_ Ԁ_ fasteignaveWlna_ ԀverWi_ Yrengd_ ԀYannigaW_ uppgreiWsla_  J""& _ fasteignaveWbrfa_ ԀverWiaWeinsheimiluWgegngreiWsluY;knunar,semyrWijafnhmismun #' markaWsverWmti_ Yekks_ Ԁ_ bWabrfs_ Ԁog_ fasteignaveWlnsins_ .SetjaYarfkvWium_ upp #( greiWslu_ Ԁskilmla_ fasteignaveWbrfa_ .MeWYvm;tigti_ 0bWalnasj;Wur_ Ԁkeypt_ bWabrf_  $ ) markaWnumfyrirandvirWi_ uppgreiWslu_ ԀnYessaWbera_ skarWan_ ԀhlutfrborWi. v%N!*   BreyttfyrirkomulaggerirkrfurumnkvmatlanagerWog_ upplUsingagjf_ Ԁentillg A&"+ unumerm.a.tlaWaWaukamguleika_ 0bWalnasj;Ws_ ԀviWbrgWumviW;jafnvgiinnog  '", _ tstreymi_ ԀfrYvsemveriWhefur.XaWermatnefndarinnaraWY;ttkveWin_ vaxtahtta_ Ԁskap '#- istfyrir_ 0bWalnasj;W_ ԀvegnabreytingannaYvegisennilegurvinningurafYeimuppY (z$. httu,aukYessaW_ 0bWalnasj;Wur_ ԀhefurnokkrarleiWirtilaWmtaYeirrihttuogdraga ( rhenni.    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J""&   XgeralginrWfyriraWveittverWisrstklntilleigubWasemhaldiWverWiaWgreind #' umfrannarristarfsemi.AukYesshefur_ 0bWalnasj;Wur_ ԀheimildirsamkvmtreglugerWtil #( aWveitalntilannarraverkefna,svosem_ greiWsluerfiWleikaln_ ,_ viWgerWarln_ Ԁvegnaflags $ ) legrabWa,lntilsveitarflagaog_ dagvistunar_ ԀaldraWra. v%N!*   & , _ 0bWalnasj;Wur_ ԀhefurgefiWt_ hsnWisbrf_ Ԁtil_ endurfjrmgnunar_ ԀeldrilnaByggingar A&"+ sj;WsrkisinsogByggingarsj;Wsverkamanna.Umrddlnvorusnumtmatekinafsj;W  '", unumtil_ fjrmgnunar_ Ԁ_ tlnum_ ԀYeirraenfyrirligguraWtmabundiW_ misvgi_ Ԁer_ greiWslu '#- str',A&3eymi_ Ԁ_ veittra_ Ԁog_ tekinna_ ԀlnasemmtaYarfmeWnUjumlnum. (z$.   Eftirspurneftirlnum_ 0bWalnasj;Ws_ ԀhefuraukistjafntogYttogermeWfylgjanditflu ( aWfinnayfirlityfir_ heildartgfu_ Ԁ_ hsbrfa_ Ԁog_ hsnWisbrfa_ Ԁfrrinu1997.   ['?>  >vvb?_ Heildartgfa_ Ԁ_ hsbrfa_ Ԁog_ hsnWisbrfa_ : a  _ m.kr_ . 0       #)055tlun5      1997  1998DD199988$2000,,+200102002~~72003   0  15rS S  85d d  3((!0'0.030bb:0e   25rH H  16.631  16.91811.422"10.630)11.318OO.17.228  514.441 9    40r  3.510Y Y  8.87627.160"25.274)30.537OO.35.901  549.616   #'[¾#['A-)L  tdEL tA   H H   = 20.226  25.79738.582"35.904)41.855OO.53.129  564.057       _ Y.a._ Ԁtil_ endurfjrmgnunar_ Ԁeldrilna: E       2.454Y Y  3.6572.649#2.596*2.451/5.617WW61.045    #'[!# ['_ Heildartgfa_ Ԁ_ hsbrfa_ Ԁog_ hsnWisbrfa_ : g?   n_ endurfjrmgnunar_ Ԁeldrilna   % 0       #)055tlun      1997  1998DD199988$2000,,+200102002~~72003 kC     15r! !  0%  0% 0%&0%-0%((20%90%     25r  80%  60%^^24%RR%24%FF,23%124%821%     40r  20%  40%^^76%RR%76%FF,77%176%879% oG      A-) M dE M A߈     wO #'[#['100%N N  100%100%$100%+100%0100%LL7100%#'[#Ԉ wO C>vvb>  C   0tflunnikemurframaWnrstWugaukninghefurveriW_ verWbrfatgfu_ Ԁ_ 0bWalnasj;Ws_   frrinu1997.AukninginsrstaWskuldabrfumtil40rakostnaWbrfatil25raog  mskUringunam.a.finnamikillieftirspurneftirlengrilnum_ hsbrfakerfinu_ ԀaukYess [ semlnveitingar_ viWb;tarlna_ Ԁog_ leigubWalna_ Ԁsemerutillengritmahafaaukistundan N& frnumrum.    VerWurekkiannaWsWenaW_ bWalnakerfiW_ ԀhafiYj;naWvelYeimtilgangisnumaW  aWstoWalandsmennviWfjrmgnun_ bWarkaupum_ Ԁog_ bWabyggingum_ ԀogsstYaWeinna  bestafYeimmiklafjldalnasemafgreiddhafaveriWkerfinu.Btgfa_ hsbrfa_ Ԁog_ hs zR  nWisbrfa_ ԀhefurttdrjganYttYeirrijkvWuYr;unsemorWiWhefur_ verWbrfamarkaWi_  E! hrlendissWastaratugeWasvo,endahefur_ 0bWalnasj;Wur_ ԀveriWstrstieinstakitgefand " innhrlandiumalllangtskeiW. #  _ Hsbrf_  qI%    Btgfa_ hsbrfa_ ԀhefurmiWaWaWYvaWuppfylla_ lntkuYrf_ Ԁhinsalmenna_ fasteignakaup <& anda_ .GefnirhafaveriWt26flokkar_ hsbrfa_ .AfYeimeruaWeinsfimmsemteljasttil  ' _ markflokka_ ._ MarkaWsvirWi_ ԀYessarafimmflokkaertplegaYrrfj;rWuhlutaraf_ markaWsvirWi_   ( tistandandi_ hsbrfa_ ԀogerYvlj;staW_ verWmyndunin_ Ԁnrekkitilallraflokka. !u)   _ HeildarmarkaWsverW_ Ԁ_ hsbrfa_ Ԁvargst2003um307milljarWarkr.semerum42%af h"@* _ markaWsvirWi_ ԀskuldabrfasemskrWeruKauphll0slands.XrttfyrirYessayfirburWiog 3# + rkisbyrgWbrfannahefurtgefandiekkinWsambrilegumkjrummarkaWiogrkis #, sj;WurmeW_ spariskrteini_ ԀenhlutdeildYeirramarkaWierum7%. $ -   & , _ Hsbrf_ ԀvorufyrstgefintriW1989.0fyrstuvoru_ tgfurnar_ Ԁmargarogsmarendavar %l!. _ aWalmarkmiWiW_ ԀaWhaldasemmestujafnvgiinnog_ tstreymi_ Ԁfjrmagnshjtgefanda. _&7"/ VerWbrfamarkaWurinnvareinnig;fullkominnogminnavarhugaWaW_ langtmafyrirkomulagi_ Ԁ *'#0 tg',%/funnar.YessuvarWnokkurbreytingrinu1997YegarkveWiWvaraWekkiyrWugefnir '#1 tnUirflokkar_ hsbrfa_ ԀumnokkurtskeiW,helduraWbttyrWiviWYflokkasemopnirvoru. 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