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XegarekkiertaliWmgulegtaWmatistj;rnarNUskpunarsj;WsaWtakaYttverkefnimeW  hlutafjrkaupumersj;WnumheimiltaWveitalntilnUskpunar-ogsprotafyrirtkjameW r breytirttihlutafeWameWkauprttihlutafjr.XerNUskpunarsj;WiheimiltaWveita j= byrgWirtilYeirrafyrirtkjasemsj;WurinnhefurYegarfjrfesteWaveittln,endasslk 5 byrgWarveitingliWursameiginlegrikvrWunmeWfjrfestaumslkafjrmgnun.    9.gr. i $  EftirfarandibreytingarverWa9.gr.laganna: a4 ! ! 6(Eh883"i(m"  i(mC%2Eh  a  .3  Ԉ0    2.mlsl.1.mgr.orWastsvo:SamhliWakvrWunumumfjrfestingar,lneWabyrgWir , skalkveWaframlgafskriftareikninginn.i(mC%p%݌ Ќ  "i(m"  i(m&2Eh  b  .3  Ԉ0    0staWorWanna?eigiWfhans sWarimlsliW2.mgr.kemur:lgmarkseigiWf,sbr.7.  gr.i(m&&݌`  Ќ    10.gr. #" .(  EftirfarandibreytingarverWa10.gr.laganna: # ! ! 3(5h886"i(m"  i(m\)25h  a  .3  Ԉ0    ViW1.mgr.btistnUrmlsliWur,svohlj;Wandi:NUskpunarsj;Wiatvinnulfsinserheimilt  $ aWgeraafleiWusamningatilaWverjastgengishttu.i(m\))݌!W% Ќ  "i(m"  i(m*25h  b  .3  Ԉ0    2.mgr.fellurbrott.i(m*(+݌O""& Ќ    11.gr. #( +  II.kaflilaganna, Tryggingardeildtflutningslna, 11.!13.gr.,fellurbrottogbreytist $ ) kafla-oggreinatalasamkvmtYv. {%N!*   & a 12.gr. '", ,  SWarimlsliWur1.mgr.14.gr.lagannaorWastsvo:rsreikningiskalfylgjaskryfir '#- hlutafjrkaupNUskpunarsj;Ws,Ytttku'a',Ԁsamlagssj;Wumogsamlagshlutaflgum,lnog (z$. byrgWir. r)E%/ Ї  13.gr. - a.  15.gr.lagannafellurbrottogbreytistgreinatalasamkvmtYv.    14.gr. a .  EftirfarandibreytingarverWa19.gr.laganna: Y, ! ! 6(Eh883"i(m"  i(m-02Eh  a  .3  Ԉ0    1.mgr.orWastsvo:i(m-0Z0݌$ Ќ  0  0   v XaWvarWarsektumliggiYyngrirefsingekkiviWbrotisamkvmtWrumlgumaWfara  gegnkvWumlagaYessaraum:  ! ! 3(5h886"i(m"  0  0i(m2 25h  a  .3  Ԉ0v  hlutverkNUskpunarsj;Wsatvinnulfsins(2.gr.),i(m23݌ Xvv Ќ  "i(m"  0  0i(m3xx 25h  b  .3  Ԉ0v  vxtuneiginfjr(7.gr.),i(m3B4݌P # vv Ќ  "i(m"  0  0i(m5 25h  c  .3  Ԉ0v  rWstfunarfNUskpunarsj;Wsatvinnulfsins,fjrfestingarheimildirogheimildirtil    aWveitalnogbyrgWir(8.gr.),i(m5b5݌  vv Ќ  "i(m"  0  0i(m6xx 25h  d  .3  Ԉ0v  afskriftareikning(9.gr.),i(m67݌ vv Ќ  "i(m"  0  0i(m7 25h  e  .3  Ԉ0v  heimildirtiltkuskammtmalnaoggerWafleiWusamninga(10.gr.).i(m7#8݌|O vv Ќ   6(Eh88362"i(m"  i(m92Eh  b  .3  Ԉ0    ViWgreininabtistnUmlsgrein,svohlj;Wandi:i(m99݌G  Ќ  0  0   v XaWvarWarsektumeWafangelsialltaWeinuriliggiYyngrirefsingekkiviWbroti   samkvmtWrumlgumaWbrj;tagegnkvWumlagaYessaraumYagnarskyldu(13.   gr.).{    15.gr. >  <  eftir19.gr.lagannakemurnUgrein,svohlj;Wandi:     NerbrotframiWstarfsemiNUskpunarsj;WsogerYheimiltaWgerasj;Wnumfsekt.  UmrefsibyrgWfereftirII.kaflaAalmennrahegningarlaga. r   TilrauntilbrotseWahlutdeildbrotumsamkvmtlgumYessumerrefsiverWeftirYvsem j= segiralmennumhegningarlgum. 5   BrotlgumYessumvarWarefsinguhvortsemYaueruframinafsetningieWagleysi.    SksamkvmtkvWum16.gr.fyrnistfimmrum.    16.gr. a4 ?  LgYessiWlastYegargildi.X;skulukvWi11.gr.lagaYessaratakagildi1.janar , 2007.     kvWitilbrWabirgWa.  `  @  EigiWfvruYr;unar-ogmarkaWsdeildarNUskpunarsj;Wsskalteljasthlutiafeiginf X+! NUskpunarsj;Ws,sbr.7.gr.laganna. #"   BtboWnareiningarafsluandvirWihlutafjreigurkissj;WsFjrfestingarbankaatvinnu # lfsinshf.skululeystaruppinnanturaeftiraWYreruboWnartogtelstandvirWiYeirratil  $ eiginfjrNUskpunarsj;Ws. !W% @ #dgg& , AthugasemdirviWlagafrumvarpYetta.#ggdBԈ #'  1.0  Almennt. #(   NUskpunarsj;Wuratvinnulfsinshefurgegntveigamikluhlutverkifjrmgnunsprota- $ ) ognUskpunarfyrirtkjameWYvaW',#BԀveraeinnafyrsturfjrfestatilaWkaupahlutiYeim.MeW {%N!* Yvhefursj;WurinnreyntaWbregWastviWalvarlegummarkaWsbrestifjrmgnunnUskpunar, F&"+ enverulegurskorturhefurveriWframboWifjrmagnstilfjrfestingasprotafyrirtkjum. '", Sj;WurinnhefurYanniggegntlykilhlutverkiumbreytingutknilegralausnaogannarrar '#- nUrrarYekkingararWvnlegfyrirtki.Xettahlutverksj;Wsinsereinhelstaforsendatilvistar - hansognUlegrarkvrWunarrkisstj;rnarinnaraWleggjaaukiWfjrmagntilvaxtarogviW  gangshans.    NUskpunarsj;Wurerhlutiafstrriheild,enhannerveigamikillYtturstuWningskerfi a atvinnulfsins.StarfsemihansYarfYvaWtakamiWafheildstWristefnum;tunumnUskpun Y, ogatvinnuYr;un.0Yessufelstm.a.aWherslurstarfsemihansverWitilYessaWsamfellas $ millihansogannarrafjrmgnunaraWila.XannigYarfaWtryggjasamfelluviWstarfsemi  TkniYr;unarsj;WssemveitirstyrkitilYr;unarnUskpunarverkefnaogeinnigYarfaWtaka   miWafstarfsemiannarraframtaksfjrfestasemgtutekiWviWeignumsj;WsinsYegar  X fyrirtkinhafanWaWtryggjasigbetursessi. P #    FrumvarpYettaerlagtframsamhliWafrumvarpiumopinberanstuWningviWtknirann    s;knir,nUskpunogatvinnuYr;unogfrumvarpitillagaumbreytingarlgumumVsinda-    ogtknirW.MeWYverNUskpunarsj;WuratvinnulfsinstengdurviWstefnum;tunrkis   stj;rnarinnarmlefnumranns;kna,nUskpunarogatvinnuYr;unar.Einnigfrsj;Wurinn |O  tkifritilaWtengjaststarfsemiNUskpunarmiWstWvar0slandsognUtafluganh;psr G  frWingasemYarverWuraWfinna.ViWYettabreikkarfaglegtbaklandsj;Wsinsoggetahans   tilaWmetatknilegverkefnihverjusinni.EinniggefsttkifritilaWnUtahverskonar   stoWYj;nustuNUskpunarmiWstWvar0slandssemmunleiWatilalmennrarhagrWingar. {   2.0  Helstubreytingar. >   HelstubreytingarsemgerterrWfyrirfrumvarpiYessueru:   ! ! =(uh886"i(m"  i(mO2uh  1  .3  Ԉ0    NUskpunarsj;WuratvinnulfsinsmunaWmeginstefnutileinungistakaYttfjrfest  ingumsprota-ognUskpunarfyrirtkjum.Sj;WurinnmunveitalnogbyrgWirtil r teknumtilfellum,sbr.8.gr.frumvarpsins.Sj;Wurinnmunekkiveitastyrkieinsog j= heimilderfyrirsamkvmtgildandilgum.KveWiWerumaWNUskpunarsj;Wurskuli 5 takamiWafstefnuVsinda-ognUskpunarrWsstrfumsnum.i(mOO݌ Ќ  "i(m"  i(mR2uh  2  .3  Ԉ0    KveWiWerumheimildtilhandaNUskpunarsj;WiatvinnulfsinstilaWtakaYtt  samlagssj;Wumogsamlagshlutaflgum,sbr.5.gr.laganr.133/2005,umrWstfun i sluandvirWiLandssma0slandshf.i(mRR݌a4 Ќ  "i(m"  i(mT2uh  3  .3  Ԉ0    KveWiWerumaWekkiskuliskipastj;rnarmanntillengritmaenfimmra.Stj;rnin , skalsetjasrreglurumsj;narmiWviWmatfjrfestingartkifrumogums;knumum  lnogbyrgWirsemrWherrastaWfestir.rttaWeraWkvarWanirNUskpunarsj;Wssu  endanlegarstj;rnsUslustigi.i(mTT݌`  Ќ  "i(m"  i(mV2uh  4  .3  Ԉ0    0frumvarpiYessuerlagttilaWeigiWfNUskpunarsj;WssaWlgmarki3.000millj.kr., X+! semmunitakabreytingumsamrmiviWbreytingarvsitluneysluverWs.EigiWf,sem #" ekkierbundiWfjrfestingarverkefnumeWalnum,skalvaxtasamrmiviWfjrfest # ingarstefnusemkveWiWverWurumreglugerWogstarfsreglumstj;rnar.SkyldaerlgW  $ NUskpunarsj;WatvinnulfsinsaWtvistavxtunframangreindseiginfjr.i(mV"W݌!W% Ќ  "i(m"  i(mZ2uh  5  .3  Ԉ0    &  kvWiumtryggingardeildtflutnings,semveriWhefursrstkdeildinnanNUskp O""& unarsj;Wsatvinnulfsins,eru'O"Zfelldrgildi.0frumvarpitillagaumopinberanstuWningviW #' tkniranns;knir,nUskpunogatvinnuYr;un,semlagterframsamhliWafrumvarpiYessu, #( ergertrWfyriraWtryggingardeildtflutningsverWivistuWinnanYeirrarstofnunar.i(mZDZ݌$ ) Ќ  "i(m"  i(m\2uh  6  .3  Ԉ0    VruYr;unar-ogmarkaWsdeildNUskpunarsj;WsatvinnulfsinserlgWniWur.EigiWf {%N!* hennarverWurhlutiafeiginfNUskpunarsj;Ws,sbr.kvWitilbrWabirgWa.i(m\]݌F&"+ Ќ  "i(m"  i(m^2uh  7  .3  Ԉ0    KveWiWerumheimildtilhandaNUskpunarsj;WiaWgeraafleiWusamningatilaWverjast '", gengishttu.i(m^^݌'#- 9@ 9  9  ь  "i(m"  i(mX`2uh  8  .3  Ԉ0    NnarerkveWiWumrefsinmibrotagegnlgunum.i(mX``݌- Ќ  "i(m"  i(mla2uh  9  .3  Ԉ0    GerterrWfyriraWFjrmlaeftirlitiWmuniekkihafaeftirlitmeWlgunum,einsogkveWiW  erumgildandilgum.TaliWerfullngjandiaWRkisendurskoWunhafieftirlitmeW  reikningumstofnunarinnaroghvernighnvereignumsnum.i(mlaa݌a Ќ  @ AthugasemdirviWeinstakargreinarfrumvarpsins. $   Um1.gr.  c  XarsemlagtertilaWtryggingardeildtflutningsflytjistyfirtilNUskpunarmiWstWvar   0slandsergertrWfyriraWtilvsun1.gr.tilII.kaflalagannafalliniWur.GerterrWfyriraW  X NUskpunarsj;WuratvinnulfsinsverWiframsjlfstWstofnun,semgerirYaWaWverkumaW P #  kvarWanirNUskpunarsj;WseruekkikranlegartilrWuneytisins.HinsvegarverWurNU    skpunarsj;Wur,semstofnuneigurkisinssemgrundvlluWerlgum,aWfylgjastj;rn    sUslulgumviWframkvmdlaganna,einsogviW.     Um2.gr. G  g  0kvWinuergertrWfyriraWhlutverkNUskpunarsj;WsatvinnulfsinsverWitakmarkaW   viWfjrfestingar,Y.e.beinarfjrfestingarnUskpunarogsprotafyrirtkjum,og;beinar   gegnumsamlagssj;Wiogsamlagshlutaflg.EinnigsNUskpunarsj;WiheimiltaWveitaln {  ogbyrgWirtilteknumtilfellum,sbr.8.gr.frumvarpsins. sF   MeWsprotafyrirtkjumerttviWfyrirtkimeWinnanviW50starfsmennogrsveltuinnan > viW500millj.kr.sembyggirstarfsemisnasrhfWriYekkingu,tknieWaWrunUnmiog   vermeiraen10%afveltuviWurkenndaranns;kna-ogYr;unarstarfsemi,sbr.athugasemdir  meW5.gr.frumvarpstillagaumrWstfunsluandvirWiLandssma0slandshf.Einniger r tekiWframaWNUskpunarsj;WurskulitakamiWafstefnuVsinda-ognUskpunarrWs. j=   Um3.gr.  k  XarsemkveWiWerumheimildirNUskpunarsj;WstilaWveitalnogbyrgWir8.gr.  frumvarpsinserlagttilaW1.mgr.3.gr.verWifelldbrott. i   kvWi2.mgr.YarfnastekkiskUringa. a4   Um4.gr.  m  TeljaverWurskilegtaWnokkurendurnUjunverWistj;rnNUskpunarsj;Wsatvinnulfsins  ogergreininnilagttilaWstj;rnarmennsitjiaWhmarkifimmrstj;rnsj;Wsins. `    Um5.gr. #" \n  kvWia-liWarleiWirafYeirribreytingusemgerterrWfyrirfrumvarpinuaWNUskp # unarsj;Wurveitiekkistyrki.  $   0&  kvWib-liWarergertrWfyriraWstj;rnNUskpunarsj;Wsatvinnulfsinssetjisrreglur !W% umsj;narmiWviWmat'!qoԀfjrfestingartkifrum,ogveitingulnaogbyrgWa,semrWherra O""& staWfesti.TeljaverWureWlilegtaWskUrarreglurliggifyrirumhvernigmetaberifjrfest #' ingartkifriogums;knirumlnogbyrgWir,t.d.hvaWaupplUsingareigiaWliggjafyrirviW #( mat,hvernigmatiWferfram,hvaWasj;narmiWsulgWtilgrundvallaro.s.frv. $ )   XerrttaWaWkvarWanirNUskpunarsj;Wssuendanlegarstj;rnsUslustigi.kvarWanir {%N!* sj;WsinsumhvaWafyrirtkjumskalfjrfesteruYvekkikranlegartilrWuneytisins.Telja F&"+ verWuraWreglaYessileiWiafkvWum1.gr.umaWNUskpunarsj;Wuratvinnulfsinss '", sjlfstWstofnun.HinsvegarertaliWrttaWrttaYennanskilningYessarigrein. '#- :@ :  :    Um6.gr. - lt  Tillgursemfelasta-liWgreinarinnarleiWaafYeirritillguaWNUskpunarsj;Wurveiti  ekkistyrki.    0b-liWgreinarinnarergertrWfyriraWheimiltsaWtvistaverkefnum.Tildmiskmi a tilgreinaaWNUskpunarmiWstW0slandstkiaWsrafmrkuWverkefnifyrirNUskpunarsj;W Y, atvinnulfsins,sbr.frumvarpumopinberanstuWningviWtkniranns;knir,nUskpunogat $ vinnuYr;un,semlagterframsamhliWafrumvarpiYessu.    Um7.gr.  X ?w  0kvWiYessuermltfyrirumlgmarkseigiWfNUskpunarsj;Wsatvinnulfsins. P #  EinungismegivaxtaeigiWf,semekkierbundiWverkefnumskv.1.mgr.2.gr.,samrmi    viWfjrfestingarstefnusemrWherramlirfyrirumreglugerW.Stj;rnsj;WsinssetjisWan    frekarireglurumtfrsluYeirrifjrfestingarstefnu.0samrmiviWstefnurkisstj;rnarinnar   ogYarsemekkiergertrWfyriraWNUskpunarsj;Wurhafimargastarfsmennermltfyrir |O  umaWtvistaskulifjrvrslueiginfjr,semekkierbundiWverkefnumskv.2.gr.laganna. G    XrttfyrirkvWiumfjrfestingarstefnuogkvWi9.gr.umrekstrartlunermgulegt   aWvxtuneiginfjrverWineikvW.XvermltfyrirumaWverWieigiWfminnaenYrr   milljarWarskalvaxtaeigiWfsamkvmtfjrfestingarstefnuYartillgmarksfjrhWskv.1. {  mgr.ernW.0slkumtilfellumgetursj;WurinnYvekkitekiWYttverkefnumskv.1.mgr. sF 2.gr.laganna,fyrrenlgmarksfjrhWeiginfjrernW. >   Um8.gr.  |  0greininnierkvWisemveitirNUskpunarsj;WiatvinnulfsinsheimildtilaWfjrfesta r samlagssj;Wumogsamlagshlutaflgum,aWfengnusamYykkiiWnaWarrWherraogsjvar j= tvegsrWherra.MeW5.gr.laganr.133/2005,umrWstfunsluandvirWiLandssma0slands 5 hf.,varkveWiWumaWNUskpunarsj;Wurskyldif1.500millj.kr.viWb;tarframlagrunum  2007!2009tilaWstandaundirhlutdeildsinnistofnunnUrrasamlagssj;WameWlfeyrissj;W  umogWrumfjrfestumnUskpunar-ogsprotafyrirtkjum,endanemieignarhluturannarra i enNUskpunarsj;Wsslkumsj;Wia.m.k.50%.ErkvWinutlaWaWskj;tastoWumundir a4 slkastarfsemiNUskpunarsj;Ws. ,   XermltfyrirumheimildirNUskpunarsj;WstilaWveitalnmeWbreytirttihlutafog  lnmeWkauprttihlutafjrogbyrgWir.GerterrWfyriraWmeginstarfsemiNUskpunarsj;Ws  verWiaWfjrfestanUskpunar-ogsprotafyrirtkjum.0tilteknumafmrkuWumtilfellumverWi `  Y;heimiltaWveitalnogbyrgWir.ErstofnuninnieinungisheimiltaWveitalnmeWbreyti X+! rttihlutafeWameWkauprttihlutafjr.EinnigerbyrgWarveitinghWYeimtakmrkunum #" aWhnstilaWilasemYegareruviWskiptavinirstofnunarinnarogaWhnsliWursam # eiginlegrikvrWunmeWfjrfestaumslkafjrmgnun.  $   Um9.gr. O""& Z  XrbreytingarsemgerterrWfyrira-liWkvWisinsleiWaafYeirritillguaWstarfsemi #' NUskpunarsj;WsverWitakmrkuWviWfjrfestingar,byrgWirogln. #(   kvWib-liWarkvWisinsersamrmiviWYrbreytingarsemgerterrWfyrir7.gr. $ ) frumvarpsins,Y.e.aWlgmarksfjrhWeiginfjrverWiYrrmilljarWarkr;na. {%N!*   F&"+   & a  Um10.gr. -   0a-liWkvWisinsergertrWfyriraWNUskpunarsj;WiatvinnulfsinsverWiheimiltaWgera  afleiWusamningatilaWverjastgengishttu'a-Ć.SmguleikierfyrirhendiaWtengslumviW  vxtuneiginfjrogYtttkufjrfestingumverWitaliWskynsamlegtaWverjasj;Winnfyrir a gengishttumeWafleiWusamningum.XvergerWtillagaumaWNUskpunarsj;Wurhafislka Y, heimild. $   0b-liWkvWisinsergertrWfyriraW2.mgr.10.gr.verWifelldbrott.TaliWeraWkvWiW  s;YarftYarsemnermltfyrirumheimildNUskpunarsj;WstilaWtakaYttsamlags   sj;Wumogsamlagshlutaflgum,sbr.8.gr.frumvarpsins.  X   Um11.gr.    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