WPC ( Ts\*U)p}~g;3ɞK]}Q_(B>\$}"e3w(gMcIJ[^eYoˆ!M]&-t΅9ϴ-SYlj}P6F#-4sF m'E2Q%tZ\oӫ"3컳 AOpcwu8v]6T ֤屜Pɼ4Vh6!IaHtύSuCfI'HJ_+gڤ\cV]]ahiAz t.hz%YNXw50!7%%$n4 TP5:x(XXooFJ~Ŏݚ3&lvn*\a]K_8kg CRÒ_*j9^y>ħ"#v*V[dFUN" %p 04v #(s 4 m>w&^ *46JJJJJYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYNaaaaa 1cc 0Q 0QEE 0] 0u 0wh h 0 0|!|! 1uA"A""" B7$7$7$7$6T$T$T$T$T$T$T$T$T$T$T$T$ 72%%/%% 1%%%%%%%%%%%%%%%%%%%%%U:&&&&M&&&&V&&d9 Z6Times New Roman RegularX( Z$ IS , .\R6&A4\XħXXXTRW<6&A4W<6&A4 6&A4 6&A4T ? XXħ0?vvbX0#ggdd  8dXXd8ISUS.,    Adobe PDFyy0 W:\WP2000\SKJRI~IZ.WPTUW:\WP2000\SkjritunY2k-nytt.wpt[(9 7:i+003|x ikmo %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.()3$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXfHXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? "XXfH0?vvbX0#ggdd  8Bdd8ISIS,.     ()3$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXfHXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? "XXfH0?vvbX0#ggdd  8Bdd8ISIS,.     (53$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXfHXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? "XXfH0?vvbX0#ggdd  8Bdd8ISIS,.      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) w a'ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.   _#/# d , g+ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.   d  ݀qi) %y_ gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)4cp Z "Times Regular L e)ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.   _>? Ҁ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A43'LetterTXXXXTRW6&A4W6&A4 6&A4 6&A4T ? XX0?vvbX0#ggdd  8dd8ISIS,.     _ >?  _ikmo(%03qs 9135.lggjafarYing2007!2008. ( _Xskj_.1325"661.ml.     R@ Frumvarptillaga# R#   umbreytingulgumum_fjrmlafyrirtki_,nr.161/2002.   @ _Flm_.:gmundurJ;nasson,J;nBjarnason. K #  @==!1.gr.      ViW4.gr.lagannabtistnUmlsgreinsemorWastsvo:     _Fjrmlafyrirtki_ԀgetureinungisfengiWeinategund_starfsleyfis_Ԁskv.1.mgr. wO  @==!2.gr.      1._mlsl_.2.mgr.21.gr.lagannaorWastsvo:AukYj;nustuskv.20.gr.er_viWskiptabnkum_,   sparisj;Wumog_lnafyrirtkjum_ԀheimiltaWstunda_hliWarstarfsemi_,endashneWlilegu {  framhaldiaf_fjrmlaYj;nustu_ԀfyrirtkisinsYgu_viWskiptaaWila_ԀsinnaogsamrUmistreglum nF semviWskiptarWherraseturYarumaWfengnumtillgum_Fjrmlaeftirlitsins_. 9 @==!3.gr.    22.gr.lagannaorWastsvo: r   _ViWskiptabnkum_Ԁogsparisj;WumerYvaWeinsheimiltaWstundaaWrastarfsemienYsem e= umgeturYessumkaflaaWhnstmabundinogYeimtilgangiaWljkaviWskiptum. 0   _Lnafyrirtkjum_ԀerYvaWeinsheimiltaWstundaaWrastarfsemienYsemumgeturYess  umkaflaaWhnstmabundinogYeimtilgangiaWljkaviWskiptumeWatilaWendurskipu  leggjastarfsemi_viWskiptaaWila_.TilkynninghraWltandiskalsend_Fjrmlaeftirlitinu_. i   _ViWskiptabnkum_,sparisj;Wumog_lnafyrirtkjum_ԀerheimiltaWyfirtakaeignirtilaW \4 tryggjafullnustukrfu.Eignirnarskuluseldarjafnskj;ttoghagkvmter. '   Ef_viWskiptabankar_,_sparisj;Wir_ԀeWa_lnafyrirtki_ԀstundaaWrastarfsemienYsemumgetur  Yessumkafla,sbr.1.og2.mgr.,eWayfirtakaeignir,sbr.3.mgr.,erYeimskyltaWtryggja  aWaWkomaYeirraaWviWkomandirekstrieWa_eignaumsUslu_ԀskekkiekkisamkeppniviWkom `  andisviWi. S+! @==!4.gr. #   LgYessiWlastYegargildi.  $ @#dggGreinargerW.#ggdԈ J""&   XettafrumvarpvarWurlagtfram130.lggjafarYingiennWiYekkiframaWgangaog #' erYvendurflutt.SvohafamlreyndarskipastslenskufjrmlalfiaWnerbrUnnaen #( nokkrusinniaW_lgfesta_ԀYrbreytingar_lagaumhverfi_Ԁslenskra_fjrmlafyrirtkja_ԀsemYetta $ ) frumvarpgerirrWfyrir. v%N!*   MeWfrumvarpinuerlagttilaWYrengriskorWurverWisettarsvokallaWri_hliWarstarfsemi_ԀviW A&"+ skiptabanka,sparisj;Waog_lnafyrirtkja_,sbr.21.gr.laganna.  '",   VeigamestabreytingfrumvarpsinsfelstY;YvaWtakmarka_starfsheimildir_ԀviWskipta '#- bankaogsparisj;WameWYeimhttiaWYeimverWi;heimiltaWkaupaverWbrfeWahlutabrf (z$. 9 y_   fyrirtkjumYvskyniaWendurskipuleggjastarfsemiviWskiptaaWila,sameinahanaannarri ( starfsemi,skrviWkomandiverWbrfogseljaYaualmenningi.SlkstarfsemihefurveriW  flokkuWsemfjrfestingarbankastarfsemioggerirfrumvarpiWrWfyrirYvaWeinungislna  fyrirtkjumeinsogYaueruskilgreindlgunumverWiheimilslkstarfsemi.MeWYessuer a framkallaWurskUraWskilnaWurmilliviWskiptabanka-ogfjrfestingarbankastarfsemi.Xer T, frumvarpinulgWsskyldaherWarfjrmlafyrirtkjasemstundatmabundiWaWrastarfsemi  skv.22.gr.aWtryggjaaWaWkomaYeirraskekkiekkisamkeppniviWkomandisviWi.0Yessu  felstt.d.aWbankayrWimeWllu;heimiltaWfjrmagnatapreksturfyrirtkissamkeppnis   markaWioggeraYvkleiftaWkeppameW;sanngjrnumhttiviWsamkeppnisaWilameWundir  X boWumeWaWrumslkumaWferWumskj;lihinsflugafjrmlalegabakhjarls. K #    X;ttekkisbeinlnisgertrWfyrirYvlgunumaWfyrirtkihafifleirieneittstarfsleyfi    eraWYvervirWistheldurekkertsembannarYaW.AfYeimskumerlagttil1.gr.frumvarps    insaWkveWiWverWiskUrtumYaWlgunumaWfjrmlafyrirtkigetieinungisstarfaW   grundvellieinnartegundarafstarfsleyfihverjumtma.XettaernauWsynlegttilaWkoma wO  vegfyriraWsamafjrmlafyrirtkiWfistarfsleyfibWisemviWskiptabankioglnafyrirtki B  oghaldiYarmeW;breyttumstarfsheimildum.      0slenskirviWskiptabankarhafagerstmjgumsvifamiklirfjrfestaratvinnufyrirtkjum   ogfjrmlamarkaWibWihrlandiogvWsvegarumheim.Margter;lj;stumhvetraustar {  Yessarfjrfestingareru.Hitterdeginumlj;saraaWkomistbankarnirYrotsemfjrfestingar nF sj;WirershlutistarfsemiYeirrasemsnUraWalmennumlnaviWskiptumviWeinstaklingaog 9 fyrirtkijafnframthruninn.ViWslkaraWstWurhefursamflagiWYurftaWhlaupaundirbagga  (sbr.bankakreppurKanada,NorWurlndumogvWartundaratugsWustualdar)ogm  Yegarheyraslkar;skirrheimifjrmlannavarWandislenskubankana.:tkteraWbrask r fjrmlamrkuWumsbyrgWskattgreiWendaY;tthittsvstaWhrunviWskiptabankakomi e= llusamflaginukoll.AfYessumskumermeWalannarsnauWsynlegtaWaWgreinameWskUr 0 umogafgerandihttifjrfestingarstarfsemiogalmennlnaviWskipti.    undanfrnummissirumhefurkomiWlj;saWslagarammiogYrtakmarkanirsemfjr  mlafyrirtkjumerusettardugaenganveginntilaWkomavegfyrirhagsmunarekstra. i RaddireruuppiumaWsvokallaWir?knamrar innanfjrmlafyrirtkjahaldiekkiogYar \4 meWefasemdirumaWhagsmunumallraviWskiptavinasgertjafnhttundirhfWi.XaWer ' hverjufjrmlafyrirtkiafarmikilvgtaWforWasthverskonarhagsmunarekstra.0Yessu  sambandiertilaWmyndaauglj;staWfjrmlafyrirtkigeturennsWurenellaYj;naWtveimur  samkeppnisfyrirtkjummeWtrverWugumhttiefbankinnerst;reigandiWruYeirra.Svip `  aWmsegjaumYraWstWursemkomauppeffjrmlafyrirtkierannarsvegarviWskipta S+! bankifyrirtkisenhinsvegaraWverslameWeignarhlutisamafyrirtkifyrireiginreikning. " undanfrnummissirumhafafjrmlafyrirtkigerstumsvifamikilkaupumogslufyrir # tkjumogbeinirgerendurUmisskonarsviptingumYarsemtekisterumhagnaWarvonir,  $ vldoghrifviWskiptalfinu.XaWerskoWunflutningsmannaaWYessimlsukominr !W% bndunumogaW;hjkvmilegtsaWsetjaumsvifumfjrmlafyrirtkjannakveWnariskorW J""& urYessumefnumenngildandilggerarWfyrirogeinsogYauhafaveriWtlkuWogfram #' kvmd.ViWkringumstWursemYessarerYaWskyldalggjafansaWskerastleikinntilaW #( verndahagsmunialmennraviWskiptavinabankannaogtilaWtakmarkalkurYvaWhags $ ) munarekstrarverWi.