WPCZ) pmuȓ#_IsN( u*)*IIS Ep&nhdg 8?X>&=(v:Z~7Mz{@~a^^l.kPr}҃nkB!U 'wJW3NQK]k|cbIĮrx?V:r0-ϣv)L_ҟaE۶KAtaL)$ lH5*_&łn7)ͤQe@qB۵]n{E#r"~446kùm0ax2x9<=W%G@IHo!kSAw`e*'tC=v9'WK`?Jy p5ɪҜ ~ļ!KnݼҖO/ᢏҔNqugo'~4m5{&SZ2-ß[KM?3"Ϲ:UN" %p 04v # FsF mw4^ 0<K($ 0LLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLL 1 1ss 1N 1 0Q 0Qee 0] 0<u$$ 0w$$ 0$$ 0%% 1ua&a&a&a& B&&&&&&&&&&&&&&&& 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 PDFyy0W:\WP2000\template\SKJRI~3H.WPTW:\WP2000\template\SkjritunY2k.wptU%u?gbatsa@ 3|x  ac'ISUS.,,,..XvXXX? XXv0?vvbX0#ggdd  ISIS,.   _>? #K#XvX#XXv#(xir$0  0` (#(#0 ` (#` (#2#(  0  )3  0 (# (#(EhCEKQW]cioAutoList2a.a.a.a.a.a.a.a.(ehCEKQW]cioAutoList41.1.1.1.1.1.1.1.(uhCEKQW]cioAutoList51.1.1.1.1.1.1.1.ikmo %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.()3c$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXgPXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? XXgP0?vvbX0#ggdd  8dXXd8ISIS,.     ()3c$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXgPXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? XXgP0?vvbX0#ggdd  8dXXd8ISIS,.     (53$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXgPXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? XXgP0?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) dqi) gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)4cp Z "Times Regular L ec)ISUS.,,,..XvXXX? XXv0?vvbX0#ggdd  ISIS,.   _>? Ҁ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A43'LetterTXvXXXTRW6&A4W6&A4 6&A4 6&A4T ? XXv0?vvbX0#ggdd  8dd8ISIS,.     _ _ikmo(%03q  140.lggjafarYing2011!2012. ( Xingskjal1645"763.ml.     Q@ Frumvarptillaga# Q^#     umbreytingulgumuminnstWutryggingarogtryggingakerfifyrirfjrfesta,   nr.98/1999,meWsWaribreytingum(innheimtaiWgjalds).  X (Eftir2.umrWu,19.jn.)    @==!1.gr.     2.mlsl.2.gr.lagannaorWastsvo:Sj;Wurinnersjlfseignarstofnun. wO  @==!2.gr.      0upphafiII.kaflalagannakomatvrnUjargreinar,5.gr.aog5.gr.b,samtfyrirsgnum,   svohlj;Wandi: {    a.(5.gr.a.) 9   Starfsemisj;Wsins.    Sj;WurinnstarfarYremursjlfstWumdeildum.InnstWudeildirnarerutvr,A-deildog  B-deild.JafnframtstarfarviWsj;WinnverWbrfadeild.DeildirnarhafaaWskilinnfjrhagog r reikningshaldogberaekkibyrgWskuldbindingumhverannarrar. e=   b.(5.gr.b.)  @ A-deild.    InnlnsstofnanirskulugreiWaiWgjaldtilA-deildarsj;WsinsfrYvaWYrhefjastarfsemi. i   IWgjldskuluverasamtalaalmennsiWgjaldsskv.3.mgr.ogiWgjaldssemerreiknaW \4 grundvellihttustuWulsskv.4.mgr.ogrennaA-deildsj;Wsins.UmrWstfunfjrrdeild ' inniskalfarasamkvmtlgum.    AlmenntiWgjaldskalnemasemsvarar0,225%riaflluminnstWum,einsogYreru  skilgreindarlgumYessum,hjviWkomandiinnlnsstofnunWrumenYeimsemeruundan `  YegnartryggingaverndsamkvmtlgumYessumeWa0,05875%rsfj;rWungslegumgjald S+! daga. "   AukiWgjaldsskv.3.mgr.greiWirinnlnsstofnunbreytilegtiWgjaldsamrmiviWhttu # stuWulsemFjrmlaeftirlitiWgefurhverriinnlnsstofnun.httustuWullskallgsthafagildiW  $ 0oghstgildiW1ogskaliWgjaldskv.3.mgr.margfaldaWmeWhttustuWlinumeinsoghann !W% erlokYessrsfj;rWungssemiWgjaldergreittfyrir. J""&   GjalddagaralmennsoghttuveginsiWgjaldserusemhrsegir: #'  6(Eh80_ikmo"i0J"  i0J2Eh  a  .3  Ԉ0    Gjalddagivegna1.rsfj;rWungser1.jn.i0J݌#( Ќ  "i0J"  i0J2Eh  b  .3  Ԉ0    Gjalddagivegna2.rsfj;rWungser1.september.i0J݌$ ) Ќ  "i0J"  i0J2Eh  c  .3  Ԉ0    Gjalddagivegna3.rsfj;rWungser1.desember.i0J&݌v%N!* Ќ  "i0J"  i0J 2Eh  d  .3  Ԉ0    Gjalddagivegna4.rsfj;rWungser1.marsnstars.i0J 7݌A&"+ Ќ   _ikmo(%086Y  IWgjlderu;endurkrf.X;geturstj;rnTryggingarsj;WsinnstWueigendaogfjrfesta  '", kveWiWaWendurgreiWaiWgjldsemhafaveriWofgreiddvegnamistakaviWtreikning. '#-   EigisWaren30dgumeftirlokhversrsfj;rWungsskuluinnlnsstofnanirhafaveittsj;Wn ( umupplUsingarumsamtluYeirraeignaogatriWasemlagningskv.3.!4.mgr.byggist.  SkuluupplUsingarnarveittarYvformisemsj;WurinnkveWur.Fjrmlaeftirlitinuog  SeWlabanka0slandserskyltaWafhendasj;WnumupplUsingarsemhonumerunauWsynlegar a tilYessaWsannreynaupplUsingarsemfjrmlafyrirtkihafaafhentsamkvmtgreinYessari. T, Sj;WurinntilkynnirinnlnsstofnunumupphWiWgjaldsa.m.k.sjdgumfyrirgjalddaga.    StandiinnlnsstofnunekkiskilupplUsingumsemhenniberaWveitaskv.7.mgr.er  sj;WnumheimiltaWtlaiWgjaldinnlnsstofnunarskv.3.!4.mgr.SlktiWgjaldskalaWlg   markinematvfaldrisWustulagningursfj;rWungslegsiWgjaldsviWkomandiinnlns  X stofnunaroger;heimiltaWendurgreiWaYaWY;ttfullskilverWigerWllumnauWsynlegum K #  upplUsingumsWar.      IWgjldskulugreiddkr;numogsamaviWumgreiWslurrdeildinni.      GreiWiinnlnsstofnunsemerskyltaWgreiWaiWgjaldtilsj;Wsinsekkirsfj;rWungslegt   iWgjaldgjalddgumsemtilgreindireru3.!5.mgr.leggstiWgjaldiW5%lagfyrirhvern wO  liWinndagumframgjalddaga,fimmdaga.HafifyrirtkiekkistaWiWskiliWgjaldioglagi B  aWYeimtmaliWnumtilkynnirstj;rnsj;WsinsumvanskilfyrirtkisinstilFjrmlaeftirlitsins.      XrttfyrirkvWi10.mgr.erstj;rnTryggingarsj;WsinnstWueigendaogfjrfestaheimilt   undantekningartilfellumaWveitafresttilgreiWsluiWgjaldsefsrstakarstWurerufyrir {  hendi. nF   VerWivanskilgreiWsluiWgjaldsinnlnsstofnunarerstj;rnsj;WsinsheimiltaWltafra 9 fjrmunisemnemaYeiminnlnumsemorWiWhafatilhjhlutaWeigandiinnlnsstofnunfr  gjalddagareikninghennarhjSeWlabanka0slandsYartiliWgjaldhefurveriWgreitt.    SinnlnsstofnunsviptheimildtilaWtakaviWinnlnumeWastarfsleyfiheildraskastekki r hagsmunirYeirrasemnj;tatryggingaverndar. e= @==!3.gr.    6.gr.lagannasamtfyrirsgnorWastsvo:  @ B-deild. i   EignirinnstWudeildarTryggingarsj;WsinnstWueigendaogfjrfestaogskuldbindingar \4 einsogYrvoruviWgildistkulaganr.55/2011ogYrskuldbindingarsemsj;Wnumhvldu ' samkvmtlgumnr.98/1999samatmamarkitilheyrasrstakrideild,B-deild.  @==!4.gr. `    0staWorWsins?sj;Wnum 1.og4.mlsl.1.mgr.,2.mgr.og1.mlsl.3.mgr.8.gr.lag S+! annakemur:verWbrfadeildsj;Wsins. " @==!5.gr.  $   EftirfarandibreytingarverWa9.gr.laganna: !W%  =(uh80_ikmo"i0J"  i0J%2uh  1  .3  Ԉ0    0staWorWsins?innstWudeild 2.og4.mlsl.1.mgr.kemur:A-eWaB-deild.i0J%"&݌J""& Ќ  "i0J"  i0J5'2uh  2  .3  Ԉ0    3.mgr.orWastsvo:i0J5'b'݌#' Ќ  0  0   v ##MeWinnstWuerttviWinneignreikningieiguviWskiptamannshjinnlnsstofnun, #( aWmeWtldumfllnumvxtumog_verWb;tum_,ogmillifrsluhefWbundinnialmennri $ ) bankastarfsemi,seminnlnsstofnunberaWendurgreiWasamkvmtlgumogumsmdum v%N!* skilmlum,oghlutdeildviWskiptamannsreikningiinnlnsleiWarvrsluaWilalfeyris A&"+  sparnaWarhjinnlnsstofnun.Lntkurinnlnsstofnunar,_eiginfjrreikningar_,_heildslu  '", innln_Ԁ&   og_safnreikningar_,aWrirenreikningar_innlnsleiWa_ԀvrsluaWilalfeyrissparnaWar, ( teljastekkitilinnstWna.'(0+ "i0J"  i0JJ,2uh  3  .3  Ԉ0    6.mgr.orWastsvo:i0JJ,w,݌ Ќ   _ikmo(%08=t%0  0   v EftirfarandiinnstWureruundanskildartrygginguskv.1.mgr.:a  ;(eh80_ikmo"i0J"  0  0i0J.ww 2eh  1  .3  Ԉ0v  innstWureigufjrmlafyrirtkja,i0J.(/݌T,vv Ќ  "i0J"  0  0i0J0ww 2eh  2  .3  Ԉ0v  innstWursemtengjastmlumYarsemsakfellthefurveriWfyrirpeningaYvtti,i0J0S0݌vv Ќ  "i0J"  0  0i0Jd1ww 2eh  3  .3  Ԉ0v  innstWurfyrirtkisYarsemfjrmlafyrirtkiermeirihlutaeigandi,i0Jd11݌vv Ќ  "i0J"  0  0i0J2ww 2eh  4  .3  Ԉ0v  innstWurrkis,sveitarflaga,stofnanaYeirraogfyrirtkjaaWmeirihlutaeiguopin   berraaWila,i0J22݌ Xvv Ќ  "i0J"  0  0i0J<4ww 2eh  5  .3  Ԉ0v  innstWurrekstrarflagaverWbrfasj;Waogannarrasj;Waumsameiginlegafjrfest K #  ingusamkvmtlgumumverWbrfasj;Wiogfjrfestingarsj;Wi,i0J<44݌  vv Ќ  "i0J"  0  0i0J6ww 2eh  6  .3  Ԉ0v  innstWurflagasmusamsteypuogYausemfallaundir1.tlul.,i0J6Q6݌  vv Ќ  "i0J"  0  0i0JQ7ww 2eh  7  .3  Ԉ0v  innstWursemeruekkiskrWarnafn,i0JQ77݌ vv Ќ  "i0J"  0  0i0J8ww 2eh  8  .3  Ԉ0v  innstWurlfeyrissj;WaaWrarenhlutdeildviWskiptamannsreikningiinnlnsleiWar wO  vrsluaWilalfeyrissparnaWarhjinnlnsstofnun.i0J88݌B vv Ќ   _ikmo(%08;Z.@==!6.gr.     0staWorWanna?innstWudeildarogverWbrfadeildar 11.gr.lagannakemur:deilda {  sj;Wsins. nF @==!7.gr.    ViWlginbtastYrjnUkvWitilbrWabirgWa,svohlj;Wandi:   (g00_ikmo"i0J"  i0J<2g  a  .3  Ԉ0    (III.)0bi0J<<݌rbb Ќ  0  0   v XrgreiWslursemvoruinntarafhendirinu2011ogverWainntarafhendirinu e= 2012tilsjlfstWrardeildarsj;WsinsgrundvellikvWatilbrWabirgWaIogII,sbr.lg 0 nr.15/2011ognr.55/2011,skulurennatilA-deildarsj;Wsins. "i0J"  i0JG?2g  b  .3  Ԉ0    (IV.)i0JG?t?݌ Ќ  0  0   v XrttfyrirkvWi5.gr.bskalgjalddagivegna1.og2.rsfj;rWungs2012vera1. i september2012.\4 "i0J"  i0JA2g  c  .3  Ԉ0    (V.)i0JA/A݌' Ќ  0  0   v B-deildsj;WsinsskallgWniWurYegarstaWiWhefurveriWviWskuldbindingarsem  deildinnihvlaviWgildistkukvWisYessa.XeirfjrmunirsemYeruB-deildinni  skulurennatilA-deildarsj;Wsins.`  @==!8.gr. "   LgYessiWlastYegargildi.#?C# #