WPC%( (XIvû izRPw-&3Xuûq|aCQIGwax3U)f: xw495Zm~ӡ=3w-v}ّ౛`x>{C , -],|ɄI"VtU.\ϻuT ^f(!ޟKEekCnF |- A%F5ǚ] ]|Rݿ}'h{Z4.f 5 ԶfXê2GIM!.f_^z<9. TZLR?iy=b;%Hr>]&g2AYıEU=5dUNv % 04 # 4>9 m;wR4V^ jvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvN 1 0Q 0Qii 0] 0u  0w 0!! 0!! 1ue"e":"" B$$$$61$1$1$1$1$1$1$1$1$1$1$1$ 72g%g%/%% 1%%%%%%%%%%%%%%%%%%%%%U:i&i&i&i&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 PDFyy0W:\WP2000\SKJRI~IZ.WPTW:\WP2000\SkjritunY2k-nytt.wptUy?rirs?g? 3|xikmo %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.()3S$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? :XX0?vvbX0#ggdd  8_)dXXd8ISIS,.     ()3S$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? :XX0?vvbX0#ggdd  8_)dXXd8ISIS,.     (539$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? :XX0?vvbX0#ggdd  8_)dXXd8ISIS,.      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) 0 aS'ISUS.,,,..XXXX? 8(XX0?vvbX0#ggdd  ISIS,.   ݀_ d , g9+ISUS.,,,..XXXX? 8(XX0?vvbX0#ggdd  ISIS,.   d  ݀qi) %y_ gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)4cp Z "Times Regular L eS)ISUS.,,,..XXXX? 8(XX0?vvbX0#ggdd  ISIS,.   _>? Ҁ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? 8(XX0?vvbX0#ggdd  88(dd8ISIS,.     _ >?  _ikmo(%03q_s_ 9140.lggjafarYing2011!2012. ( Xingskjal_571_ԁ"370.ml.    2.umrWa.     a8(@XXNefndarlit#8( a#     umfrumvarptillagaumbreytingulgumumgreiWslukostnaWarviWopinberteftirlit   meWfjrmlastarfsemi,nr.99/1999,meWsWaribreytingum.  X FrmeirihlutaefnahagsogviWskiptanefndar.    x  NefndinhefurfjallaWummliWogfengiWsinnfundKjartanGunnarssonfrefnahags-   ogviWskiptarWuneyti,Gunnar_Andersen_,IngibjrguSigrnuStefnsd;ttur,Ragnar_HafliWa wO  son_ԀogXorstein_Marin;sson_ԀfrFjrmlaeftirlitinu,Halld;rrnasonfrSamtkum_atvinnu B  lfsins,_ԀGuWj;nRnarssonogYngvarnKristinssonfrSamtkumfjrmlafyrirtkjaog    StefnrnaAuW;lfssonfyrirhndsamrWsnefndareftirlitsskyldraaWila.     Efnahags-ogviWskiptarWherraleggurrlegafyrirAlYingifrumvarptillagaumbreytingu {  lgumumgreiWslukostnaWarviWopinberteftirlitmeWfjrmlastarfsemi.Tilgrundvallar nF _frumvarpinu_ԀliggurskUrslaFjrmlaeftirlitsinsumtlaWanrekstrarkostnaWnstars,_at 9 hugun_Ԁefnahags-ogviWskiptarWherrahennioglitsamrWsnefndareftirlitsskyldraaWila,  sbr.2.gr.laganna.MeginefnifrumvarpsinsvarWarhkkunhundraWshlutumeftirlitsgjalds  og_fastagjaldi_ԀsemlagtereftirlitsskyldaaWilatilaWstandaundirrekstrinumen_athuga r semdum_ԀergerWgreinfyrirhelstukostnaWarliWum. e=   01.gr.frumvarpsinserulgWtilbreyttlagningarhlutflleinstakartegundir_eftirlits 0 skyldra_ԀaWila.KveWiWerumhkkun_lagningarhlutfalla_ԀallraeftirlitsskyldraaWila,aW  _undanskildum_Ԁ_vtryggingaflgum_,_vtryggingamiWlurum_Ԁog_verWbrfamiWstWvum_Ԁsem  lkkaltillega. i   lagningarhlutfalllfeyrissj;Wahkkarr_0,0111%_Ԁ_0,01174%_ԀaukYesssemfastagjld \4 _lfeyrissj;Wa_ԀhkkaenYauerufimmYrepum.MiWaWerviWaWhlutur_fastagjalda_ԀverWium ' 60%af_heildarlagningu_Ԁeftirlitsgjaldslfeyrissj;WilktogveriWhefurfrogmeWrinu  2007og_YaWer_ԀsamrmiviW;skirLandssamtakalfeyrissj;WaYaraWltandi.    GerterrWfyrirhkkun_fastagjalda_ԀsemhafastaWiW;breyttfrYvaWYauvorufyrst_lg `  fest_ԀognemurhkkuninverWlagshkkunumfrYvaWkvWiumYaugjldvorulgfest.M S+! hrnefnafastagjldaWilameWinnheimtuleyfiogfastagjlderlendavrsluaWila_sreignar " sparnaWar_ԀsemhafafengiWstaWfestingufjrmlarWuneytisreglum_um__viWb;tartrygginga # vernd_ԀogsreignarsparnaW.XerlgWtilhkkun_fastagjalda_Ԁtgefendurhlutabrfaog_t  $ gefendur_Ԁskuldabrfa. !W%   LagWarerutilbreytingarsemltaaWYvaWhkkafastagjldfjrmlafyrirtkjasemer J""& stUrtafskilanefnd,slitastj;rneWabrWabirgWastj;rnsamkvmtlgumumfjrmlafyrirtki, #' ;hWYvhvortviWkomandifyrirtki_hefur_Ԁ____starfsleyfi_eWa_ԀtakmarkaW_starfsleyfi,_ԀeWa_hvort #( starfsleyfi_ԀfyrirtkisinshefurveriWafturkallaW.EftirlitsgjaldiYessaaWilaertlaWaWstanda $ ) undirkostnaWiviWranns;knarvinnusemtengistbankahruninuogYvhlutverkisem_Fjrmla v%N!* eftirlitinu_ԀertlaWgagnvartfllnumfjrmlafyrirtkjum. A&"+   _0_Ԁfrumvarpinuereftirlitsgjaldrsins2012tlaW2.002millj.kr.ognemurhkkunfr  '",  _upphaflegri_Ԁtlunyfirstandandirs383millj.kr.,eWaum24%. '#- 9 y_   &     Meirihlutinnleggurtil_breytingu_Ԁ1.gr.frumvarpsinsYveruaWlagteftirlitsgjald_riW_ (  2012_verWi1.887_Ԁmillj.kr.'(ԀognemurhkkunfrfyrrariYv16,6%staW24%einsog_upp  hafleg_Ԁtlun_gerWi_ԀrW_fyrir.__Breytingartillaga_ԀYessibyggistendurskoWaWritlun_Fjr  mlaeftirlitsins_ԀsemstofnuningerWieftiraWfariWvaryfirmliWrWherranefndum_rkisfjr a ml_ԀogsamkvmtbeiWniefnahags-ogviWskiptarWherratilFjrmlaeftirlitsins. T,   XerbreytingartillgummeirihlutansaWfinnatvennskonarefnislegarbreytingar.    TilefniYeirrarfyrrieraW1.n;vember2011WluWustlgumverWbrfasj;Wi,_fjrfestingar  sj;Wi_Ԁogfagfjrfestasj;Wigildi.SamkvmtYeimfallafagfjrfestasj;WirundirkveWiW_lg   markseftirlit_ԀFjrmlaeftirlitsins.Xessirsj;WirgetaveriWreknirafrekstrarflgumogWrum  X _aWilum._ԀFjrmlaeftirlitinuerY;tlaWnokkuWminnaeftirlitshlutverkgagnvart_fagfjrfesta K #  sj;Wum_ԀenWrumsj;Wumrekstrirekstrarflaga,Y.e.verWbrfa-ogfjrfestingarsj;Wum.0    lj;siframangreindsleggurmeirihlutinntilviWb;tviW6.tlul.1.efnismgr.1.gr._frumvarps    ins_ԀYveruaWfagfjrfestasj;WirgreiWi0,025%afhreinnieignviWkomandisj;Ws_eftirlits   gjald_ԀenY;aldreilgrifjrhWen300.000kr. wO    TilefniYeirrarsWarieraW1.desember2011WluWustlgumgreiWsluYj;nustugildien B  _samkvmt_ԀYeimheyragreiWslustofnanirundireftirlitFjrmlaeftirlitsins._Lagt_Ԁ_ertil_Ԁ_aW_Ԁ_eftir    litsgjald_ԀgreiWslustofnanirverWiYaWsamaogsparisj;Wi,lnafyrirtkiografeyrisfyrirtki.     0skUringumviWbreytingartillgurmeirihlutafjrlaganefndarsemlagWarvoruframviW {  3.umrWufjrlagafrumvarpsfyrir2012varYvbeinttilefnahags-ogviWskiptarWherraaW nF framfri_;hW_ԀmatstarfsemiFjrmlaeftirlitsinsmeWhliWsj;nafvaxandiumfangi_starf 9 seminnar_ԀliWnumrum.EinnigskalYaWbentaWtillguYingmannanefndarsemfaliWvar  aWfjallaumskUrsluranns;knarnefndarAlYingisvarlagttilaWgerWyrWistj;rnsUsluttekt  _Fjrmlaeftirlitinu_ԀogSeWlabanka0slandsogaWgrundvellihennaryrWumetnirkostirog r gallarYessaWsameinastarfsemiYessarastofnanaYeimtilgangiaWtryggjaheildarsUnyfir e= _kerfishttu,_ԀfjrmlaleganstWugleikaogbyrgWsamrminguviWbragWa. 0   MeirihlutinnleggurtilaWfrumvarpiWverWi samYykkt meWframangreindumbreytingum  semgerWertillagaumsrstkuYingskjali._  ____@ AlYingi,14.desember2011. \4 l.UUUUUU>>.@mm |HelgiHjrvar, l @ |form.,frsm. _7 @ LiljaRafneyMagnsd;ttir. l @hh-xMagnsOrriSchram. l .UUUUUU> > .  r2 (>>(@[[ SkliHelgason. 2   @=='XBjrnValurGslason. 2   (>>(__   ___