WPC' S7>5`!|TKCT"10>-VwMv JԙgT+ʸ^B~k&0 1~^搄sE[_`mF^$gؘ^+LZnxhBhچlsU qaid٘!4A YMmp ~g3ڨ#Xg=l>s~S k4;mߔ J^N)D; Cl@4+ mk!{e}i+UN" %p 0v #m(6 4^ m>w^ 4  B- 0lI 0DN 1 0 0 0 0u 0wF F 0 0Z!Z! 1u"""" B1$1$1$1$$N$N$N$N$N$N$N$N$N$N$N$N$ 72r%r%/%% 1%%%%%%%%%%%%%%%%%%%%%U:t&t&t&t&M&&&&D&&d9 Z6Times New Roman RegularX(f$,..,TRW6&A4W6&A4 6&A4 6&A4T ? 0?vvbX0#ggdd  8dd8ISUS,.     ^^bAdobe PDFyy0 W:\WP2000\SKJRI~IZ.WPTUW:\WP2000\SkjritunY2k-nytt.wpt=Z< %;rirs?g3|x)Hairline d(D21$ f!,..,XpXXXTRW6&A4X3' Letter 6&A43'LetterT ? XXp0?vvbX0#ggdd  8VdXXd8ISUS,.     ^^b    0  0  (#$  0  ikmo %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.(3k$ f!,..,XpXXXTRW6&A4X3' Letter 6&A43'LetterT ? XXp0?vvbX0#ggdd  8VdXXd8ISUS,.     ^^b  (3k$ f!,..,XpXXXTRW6&A4X3' Letter 6&A43'LetterT ? XXp0?vvbX0#ggdd  8VdXXd8ISUS,.     ^^b  (3$ f!,..,XpXXXTRW6&A4X3' Letter 6&A43'LetterT ? XXp0?vvbX0#ggdd  8VdXXd8ISUS,.     ^^b   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)  ak',..,XFXXX? XXXF0?vvbX0#ggdd  ISUS,.   _>? XX#XX9#? d  g+,..,XFXXX? XXXF0?vvbX0#ggdd  ISUS,.   d  ݀qi) %y_ gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)4cp Z "Times Regular : ek),..,XFXXX? XXXF0?vvbX0#ggdd  ISUS,.   _>? Ҁ f!,..,XFXXXTRW6&A4X3' Letter 6&A43'LetterT ? XXXF0?vvbX0#ggdd  8Xdd8ISUS,.     ^^b  _ >?  _ikmo(%03qs 9138.lggjafarYing2009!2010. ( _Xskj_.923"534.ml.     GbX@* * Tillagatil_Yingslyktunar_#X Gbv#   umleiWrttingar_hfuWst;l_Ԁ_bWalna_Ԁogminnavgi_verWtryggingar_.   @_Flm_.:MargrtTryggvad;ttir,X;r_Saari_,BirgittaJ;nsd;ttir. K #    AlYingilyktaraWfelarkisstj;rninniaWleiWrtta_hfuWst;l_Ԁ_bWalna_Ԁheimilannatafar    laustmeWYvaWfravsitlu_verWtryggingar_Ԁ_handvirkt_Ԁframfyrirhrun_hagkerfisins_Ԁoghkk   anir_hfuWst;ls_ԀogafborganirhsnWislnatilsamrmisviWYaW.RaunvextirverWtryggWum wO  lnumverWiaWhmarki2%!3%ogafborgunumaf_hsnWislnum_ԀverWihgtaWfrestaum B  tvrmeWlengingu_lnsins_ԀumYanntma.SkuldabyrWiheimilavegna_gengistryggWra_Ԁ_bWa    lna_ԀverWi_lagfrW_ԀsamrmiviW_lagfringu_Ԁ_verWtryggWra_Ԁ_bWalna_.NWverWisamkomulagi   viWeigendur_verWtryggWra_ԀhsnWislnaumaWYeimverWibreyttskuldabrfmeWfstum {  vxtumogdregiWrvgi_verWtryggingar_. nF      #dggGreinargerW.#ggd      0aWdragandaogkjlfarbankahrunsinsbreyttustaWstWurslenskraheimilamjgtilhins  verra.Mestumvandahafa_stkkbreytt_Ԁlnvegna_hsnWiskaupa_ԀvaldiWenbWiverWtryggW r og_gengistryggW_ԀlnhafahkkaWgfurlegafrYvjanar2008.OrskvandanseraWfinna e= hrunigengikr;nunnar,verWb;lguoghumvxtumenaukYessglmamrgheimiliviW 0 atvinnuleysiog_tekjuskerWingu_.Samkvmt_okt;berskUrslu_Ԁ_AlYj;Wagjaldeyrissj;Wsins_Ԁer  eiginfjrstaWa20%slenskraheimilaneikvWentlamaWstalas_vantluW_ԀYarsem  frostrkirfasteignamarkaWiogverWfalleignumfyrirsjanlegt.Xeirsemerumestum i vandaerf;lksemkeypthefurYakyfirhfuWiWsWustuturum,UmistfyrstubWeWa \4 stkkaWviWsig.Lj;steraWfjlmrgheimilimunuekkigetastaWiWundirYeimbyrWumsem ' YauhafaveriWlagWaroglj;staWtilalmennraaWgerWaverWuraWgrpa.   AlmennaraWgerWir . `    DregisthefuralltoflengiaWbregWastviWYeimalgjra_forsendubresti_ԀsemvarWviWhruniW. S+! AWgerWirstj;rnvaldahafaveriW_srtkar_ԀogmiWastviWaWminnkaYaWhggsemfelst " gjaldYrotieinstaklinga.XrtakaY;ekkiYeimalmennavandasemheimilinstandaframmi # fyriraWneinugagniY;ttfrystingoglenginglnagerifleirumkleiftaWstandaskilviWhver  $ mnaWam;t.llumttiY;aWveralj;staWslktgengurekkitilframbWar.ForsendaYessaW !W% sttskapistsamflaginueralmennleiWrtting_skuldastWu_Ԁheimilanna.Venjulegir0s J""& lendingarhfWuengarforsendurtilaWsjfyrirYaWefnahagslegast;rviWrisemgekkyfir #' landiW.AukYesshfWumargirfylgtrWgjf_fjrmlafyrirtkja_Ԁsemmrgumtilfellummltu #( meWerlendri_lntku_.XsvWurmrgumaWsjskuldir_svokallaWra_Ԁ_trsarvkinga_Ԁog_fork;lfa_ $ ) atvinnulfinu_afskrifaWar_ԀmeWanlnheimilannastanda;snert.Rttltifstekkifyrren v%N!* _forsendubresturinn_ԀhefurveriWleiWrttur.XannigverWur_fjldagjaldYrotum_ԀafstUrt,flest A&"+ heimilimunugetaspjaraWsig,almennneyslaeykstogmeWhennifarahj;latvinnulfsins  '", afturaWsnast. '#-   (z$. 9 y_   SvigrmtilleiWrttinga . (   ErfiWlegahefurgengiWaWfupplUsingarumYaWsvigrm,semfjrmlafyrirtkihafatil  almennraleiWrttinga.ViWskiptanefndAlYingishefurtrekaWkallaWeftirYeimupplUsingum  nrangurs.0skUrsluAlYj;Wagjaldeyrissj;Wsinsfrokt;ber2009erfjallaWumskuldir a heimilanna.BrskUringarmyndbls.21mlesaaWskuldirheimilannahafiveriWfluttarr T, gmlubnkunumyfirYnUjumeWu.Y.b.45%afslttienengartlureruY;nefndarmeW  umfjlluninni.45%afsltturinnhefurveriWtilumrWumargamnuWienhefurY;hvorki  veriWstaWfesturnheldurneitaW.Xann12.mars2010birtiMorgunblaWiWfrttumuppgjr   nUjubankannaogsamkvmthennivorulnheimilannafrWaryfirrgmlubnkunumY  X nUjuhlfvirWi.SvigrmtilalmennraleiWrttingattiYvaWverangilegtenleiWrttaYarf K #  gengistryggWlnumu.Y.b.50%enverWtryggWulninumu.Y.b.20%.Um80%slenskra    bWalnaeruverWtryggW.SvigrmfjrmlafyrirtkjaYyrftiaWfststaWfestsemallrafyrst.     AfnmverWtryggingar . wO    0nverandikerfiverWtryggingarvantarallanhvatafyrirfjrmagnsstofnaniraWhalda B  verWb;lgunnilgri.NauWsynlegteraWafnemaverWtryggingunameWllunemasrstkum    rkisskuldabrfumtillangstma.EftilvillhentarY;bestaWafnemahanaYrepum.skilegt   vriaWtilaWbyrjameWyrWisettYakverWtryggingunasem_mundimiWastviW4%verW {  b;taYttaWhmarkirlega. nF  byrgWlnastofnannaogrkisvaldsins .    Lj;steraWrkisvaldiWsemoglnastofnanirhfWuhaftveWurafhruninuumY;nokkurt  skeiWfyrirhruniWnYessaWgerarWstafanirtilaW_takmarka_Ԁtj;nheimilavegnaYess.Auk r YessmtlaaWhruniWsbeinlnistilkomiWvegnabreytnieWaskortsaWgerWumstj;rnmla e= mannaogfjrmlafyrirtkja.XvermeWllu;lWandiaWheimiliogfjlskyldurlandsins 0 verWiaWberabyrWarhrunsinsaWmestuleyti,aukYessaWtakasigtekjuskerWinguogskatta  hkkanir.   Rofsamflagssttmlans . \4   MeWsetninguneyWarlaganna,lagaumheimildtilfjrveitingarrrkissj;Wivegnasrstakra ' aWstWnafjrmlamarkaWio.fl.,nr.1257.okt;ber2008,t;krkisvaldiWaWsraWtryggja  allarinnstWurreikningum0slandiY;tteinungisvrigertrWfyrirYvaWTryggingar  sj;WurinnstWueigendaogfjrfestatryggWiinnstWuruppaW20.877evrum.MeWYvt;k `  rkissj;Wursigtapvegnabankahrunsins.Stj;rnvldhafaYvmeWlagasetningubttYeim S+! semttufreikningumbnkunuminnstWursnaraWfulluenYeimsemskulduWu_bnkun " umerhinsvegargertaWgreiWalnsntilbakameWllumYeimkostnaWisemYauerufallin. # Xegarlj;steraWbankarnirhafaverulegtsvigrmtilleiWrttingarlnaogaWjafnvelhafiveriW  $ gertrWfyrirleiWrttinguviWyfirfrsluskuldannaer;skiljanlegtaWheimilinlandinufi !W% ekkiaWnj;tarttltis. J""&