WPC' iKY=re+@KeRY=*ٶ%?"+?Ue5D7z0_ 2F1z=\Ə2(%ڹt g0]<nWyOB; L>̴hX~Fҝ)s@0zI N,Ri@mIz |e [>scݚI[ Q Idi#+ƀ#Ey~zPx_N;o` &$JК ,htEfπ= Cfv$<7`@fTOi\}6^bdٲ6Ӆ|ܩ^ 1QO[2QRG'z5UMxRQ>"#qctgv}Q[eM`5Lt.C ԡ@9˃5ȧ\+h먝E:dwUh i #D۳ W2>UN" %p 04v #(s 4 m>w&^ *46JJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJNYYYYY 1[[ 0Q 0Q== 0] 0u 0w` ` 0 0t!t! 1u9"9"U"" B$$$$6 $ $ $ $ $ $ $ $ $ $ $ $ 72V%V%/%% 1%%%%%%%%%%%%%%%%%%%%%U:X&X&X&X&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.wptR< %;rirs?g3|xikmo %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.()3R.$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXrXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? RXXr0?vvbX0#ggdd  8dXXd8ISIS,.     ()3R.$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXrXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? RXXr0?vvbX0#ggdd  8dXXd8ISIS,.     (53$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXrXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? RXXr0?vvbX0#ggdd  8dXXd8ISIS,.      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) K aR.'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 eR.)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 9138.lggjafarYing2009!2010. ( _Xskj_.690"215.ml.     @v@"Svar# @v#   efnahagsogviWskiptarWherraviWfyrirspurn:lafarNordalumupptku_evru_.     _Fyrirspurnin_Ԁersvohlj;Wandi:    "i0J"  i0J2%  1  .3  Ԉ0    ErhafinvinnarWuneytinuviWaWmetakostioggallaupptku_evru_,lj;siums;knar    0slandsumaWildaW_Evr;pusambandinu_?i0JJ݌  Ќ  "i0J"  i0J2%  2  .3  Ԉ0    HvaWahrifhefWiupptaka_evru_ԀlnmeW_verWtryggingu_?i0J ݌wO  Ќ  "i0J"  i0JG 2%  3  .3  Ԉ0    HvaWahrifhefWiupptaka_evru_ԀstWu_0bWalnasj;Ws_Ԁog_lnasafn_Ԁhans?i0JG t ݌B  Ќ  "i0J"  i0J 2%  4  .3  Ԉ0    HvernigYyrfti_peningastefnan_ԀaWveraeftakaupp_evru_ԀsemgjaldmiWil?i0J ݌   Ќ    1.EkkierhafinformlegvinnarWuneytinuviWaWmetakostioggallaupptku_evru_Ԁ {  lj;siums;knar0slandsumaWildaW_Evr;pusambandinu_.SrfrWingarrWuneytisinsfylgjast nF hinsvegargranntmeWYr;ungjaldeyris-og_fjrmlamrkuWum_. 9   0kjlfarums;knar0slandsumaWildaW_Evr;pusambandinu_ԀhafaveriWsettarf;tsr  hfWarsamninganefndir.Ein_nefndanna_Ԁfjallarum_gjaldeyrisml_Ԁogerundirformennsku  seWlabankastj;ra.Efnahags-ogviWskiptarWuneytiWfulltraYeirrinefnd.GeramrWfyrir r aWnefndinmunistarfisnufjallatarlegaumhrifafupptku_evru_.RWuneytiWhefureinnig e= hafiWundirbningaWmatimguleikum0slandsvarWandim;tun_umgjarWar_Ԁ_peningastefnu_ 0 tilframtWar.    2.0umhverfiYarsemverWb;lgaerlgogjfnttu_lntakendur_Ԁ(og_fjrfestar_)aWvera i _jafnsettir_ԀhvortsemtekineruverWtryggWeWa;verWtryggWln.0lj;siumrWunnarhrlandi \4 umgalla_verWtryggingar_ԀmY;bastviWYvaWslenskir_lntakendur_Ԁleitiauknummli ' ;verWtryggW_langtmaln_,lktogbj;Wast_evrusvWinu_,ef_evra_ԀyrWitekinuppsemgjald  miWill0slandistaWYeirra_verWtryggWu_ԀlnasemhafaveriWrWandislenskum_fjrmla  markaWi_.HinsvegarervertaWbendaaWverWb;lgahefurveriWlgriogstWugri_evru `  svWinu_Ԁen0slandiundanfarinrogYvvirWisthtta_lntakenda_ԀafverWtryggWum_lang S+! tmalnum_Ԁ_evrusvWinu_Ԁveraminnienafsamskonarlnum0slandi. "   hrifupptku_evru_ԀlnmeW_verWtryggingu_ԀrWstY;fyrstogfremstafYvaWverWtryggW # slensklneruflestumtilfellummeWfstum,eWa_tregbreytanlegum_,vxtumtillangstma.  $ EfslenskirraunvextirlkkaviWupptku_evru_ԀerYvhugsanlegtaW_lntakendur_ԀgreiWiupp !W% eldriverWtryggWlnogleitinUrrarog;dUrari_fjrmgnunar_._Lntakendur_ԀmetaYhlutfalls J""& legan_bata_ԀYessafYvaWgreiWaupplnogtakanUttlnlgrivxtum. #'   St;ru_viWskiptabankarnir_ԀhafaallirafnumiW_uppgreiWslukostnaW_ԀhsnWislna._0bWalna #( sj;Wur_ԀbUWurdagbWiupplnn_uppgreiWslukostnaWar_ԀogmeW_uppgreiWslukvWi_Ԁen $ ) lgrivxtum.Um15%_lnasafns_Ԁ_0bWalnasj;Ws_ԀerumeW_uppgreiWslukvWi_.GeramrW v%N!* fyriraWYaWhlutfallgetihkkaWYarsem_u.Y.b._Ԁsexafhverjumtusemtakalnhjsj;Wnum A&"+ nnatakalnmeW_uppgreiWslukostnaWi_.  '",   ErfitteraWspfyrirumYr;unraunvaxta0slandiviWhugsanlegaupptku_evru_._Lang '#- tmaraunvaxtamunur_Ԁmilli0slandsogevrusvWisins(WurXUskalands)hefurveriW2!2,5% (z$. 9 y_   sWustutvoratugi(munurverWtryggWum_rkistryggWum_Ԁbrfum0slandiog_evrusvWinu_ ( ernum2%).ReynslaannarrarkjasemtekiWhafauppevrugefurtilkynnaaWvextir  viWkomandirkilkkittaWvxtumevrusvWisins,enerfitteraWspfyrirumhversumikil  lkkuninverWur.FastlegamYvbastviWaWviWupptkuevrulkkivaxtabandiWograun a vaxtastigiW0slandinlgistraunvaxtastigevrusvWisins.EkkierY;;lklegtaWraun T, vaxtastigiW0slandiverWiframhrraenaWmeWaltalievrusvWinuvegnalagsYttasem  eru;tengdirgjaldmiWlinum.    3.VegnaYessararfyrirspurnarf;rrWuneytiWYessleitviWflags-ogtryggingamlarWu  X neytiWaWYaWgfilithrifumafupptkuevrustWu0bWalnasj;Wsoglnasafns K #  sj;Wsins.0svariflags-ogtryggingamlarWuneytisinskomframaWhrifupptkuevru    stWu0bWalnasj;WsoglnasafnshansrWisteinkanlegaafbreytingumslenskumfjr    magnsmarkaWikjlfariWogafYvhversumargirnverandilnYegarsj;WsinskveWaaW   greiWauppsnln.UnnteraWgrpatilaWgerWaaWdragandaupptkuevrusemlgmarkaW wO  getaeWaeytthttu0bWalnasj;WsaWYessuleyti. B    0bWalnasj;WurberuppgreiWsluhttuafum75%aflnasafnisnu.UppgreiWslulager    tplega16%lnasj;WsinsenbreytilegtlagerinnanviW10%lnahans.Flags-og   tryggingamlarWherrahefurY;heimildtilYessaWleggjasrstaktuppgreiWslulagviWsr {  stakaraWstWurgagnvartrmummeirihlutaYeirralnasemsj;WurinnbernuppgreiWslu nF httuaf(lnsemveitterueftir1.jn2004). 9   AWeinsum6,5%afskuldabrfumtgefnumaf0bWalnasj;WihafauppgreiWslukvWi.  XaWerusvoklluWhsbrfsemhafatdrttisamrmiviWuppgreiWslulna.    0bWalnasj;WurhefurltiWmetamguleghrifupptkuevrufjrhagsj;Wsinsefekkert r yrWiaWhafsttilaWdragarhttusj;Wsins.0YvmatiergertrWfyriraWbreytingarvaxta e= markaWigeristhratt.MiWaWerviWaWnUirtlnsvextirsj;WsinsverWiaWjafnaWium3,5%og 0 rkiskrafamarkaWi3%.MiWaWerviWaWuppgreiWslurmuninemaum38%afheildartlnum  semersamrmiviWsgulegggnsj;Wsins.    hrifYessararatburWarsaryrWineikvWfyrirsj;Winn.StafarYaWannarsvegarafbreyt i ingumstWueignaogskulda,oghinsvegaraflakarivaxtajfnuWi.Sj;Wurinngtigreitt \4 skuldbindingarhrrikvxtunarkrfuogYaWdrgirneikvWumhrifum.MiWaWviW ' fyrrgreindarforsenduryrWuafkomuhrifvegnabreytingaeignaogskuldaneikvWum5,5  milljarWakr.MiWaWviWsgulegaendurfjrmgnunarYrf0bWalnasj;WsmtlaaWYaW  tkiumfjgurraWendurfjrmagnauppgreiWslur.tlaWvaxtatapsj;WsinsyfirYaWtmabil `  yrWium2,5milljarWarkr. S+!   HeimildtilaWinnleysallhsbrfmundidragarhrifumuppgreiWslnasemnemur1,2 " milljrWumkr.,YannigaWbreytingareignaogskuldayrWuneikvWum4,3milljarWakr.staW # 5,5milljarWakr.XessberaWgetaaWsamkvmtreglugerWnr.544/2004geturrWherrasett  $ srstaktuppgreiWslugjaldsemmundibta0bWalnsj;WiuppneikvWanvaxtamun.Efslkt !W% yrWigertmgerarWfyriraWhrifinsj;WinnyrWultilsemengin. J""&   TilYessaWmtaYessumhugsanleguneikvWuhrifumertlunumflags-ogtrygg #' ingamlarWuneytisinsgengiWtfrYvaWefntyrWitilskiptitboWsvegum0bWalnasj;Ws #( YegarviWmiWunargegnikr;nugagnvartevruverWilj;st.0slkutboWiyrWillumeigendum $ ) verWtryggWrabWabrfanuppgreiWsluheimildarboWiWaWskiptayfir;verWtryggWevrubrf v%N!* meWskiptilagi.MarkaWurinnmundiYverWmetaYannmismunverWmtisemumvriaW A&"+ rWamillieldribrfaogYeirranUrri.BtboWsemYessierualYekktogsemdmimnefnaaW  '", YennanhttvarandvirWium300milljarWakr.hsbrfumskipttfyrirnUbWabrfriW '#- 2004.SkilmlarslksskiptiboWsyrWuhannaWirmeWYaWfyriraugumaWtryggjajkvWan (z$. rangur_tboWsins_ԀmeWtgfunUrriog_markaWshfari_Ԁbrfa.SamhliWayrWi_skuldurum_Ԁ_0bWa ( lnasj;Ws_ԀgefinnkosturaWskiptalnumrverWtryggWumlnumslenskumkr;num  ;verWtryggW_evruln_Ԁfstumvxtum._GreiWsluflWi_Ԁsj;WsinsmundiYannhttnfullujafn  vgioggengishttaogvaxtahttaekkiaukast.Efg;WurrangurnstslkuskiptitboWi a getur0bWalnasj;WurtakmarkaWeWakomistalfariWundanneikvWumafleiWingumupptku T, evrufjrhagsj;Wsins.    4.WurenaWildarrkiEvr;pusambandsinsgeturtekiWuppevrusemgjaldmiWilergengi   viWkomandirkisfestviWgengievrumeWalltaW15%vikmrkum.SeWlabankaviWkomandi  X rkiserfaliWsamstarfiviWSeWlabankaEvr;puaWhaldagengigjaldmiWilsinsinnantil K #  greindravikmarka.XettagengisfyrirkomulagnefnistERMII.      RkjumsemhafaveriW_ERM_ԀIIkerfinutvroguppfyllasvoklluW_Maastricht_ԄskilyrWi    bUWstaWtakaupp_evru_ԀsemgjaldmiWil.EittYessaraskilyrWasnUrbeintaW_peningastefnu_.   SamkvmtYvmverWb;lgaekkiverahrriensemnemur1,5%hrrienYeimYremur wO  _ESB_Ԅlndumerhafa_hagstWustu_Ԁ_verWb;lguYr;unina_._Peningastefnan_ԀYessumtmaYyrfti B  YvaWstefnaaWYvaWtryggjalgaogstWugaverWb;lgu.0kjlfarupptku_evru_ԀyrWi_pen    ingastefnan_ԀhndumSeWlabankaEvr;pu.