WPC k  7e4!!yxPxP f?aR1&gdAPUaG-^0(5V툸'G}546!ixy/W3!/@L0zNsuRQd'^O^,#fҙn7H_0ki'P9~-k1w@@$%Q`rñGu~Zc~7 2XCǗg̪=Pr5G-„+"}DG ںJ'u x5cHɅX y,5C15 #JRm'959hzN~I#{b.aӶTn,e#)*waJ AR?&XYՆ}mo|CN'km N^Ja (:dXW|/HK-@O"+v 9SUN" %p 0v #m(6 4^ m>w^ 4 Z 0(v B-@  0; 0DoTTTTTN 0 1 0 D-ú 0K; 0 A 0 0u 0wGG 0 0[[ 1u G B$ 72/OO 1~~~~~~~~~~~~~~~~~~~~~U:MYYYYD]&d9 Z6Times New Roman RegularX(_$,..,TRW6&A4W6&A4 6&A4 6&A4T ? 0?vvbX0#ggdd  8dd8ISUS,.     ^^` Adobe PDF0 W:\WP2000\SKJRI~IZ.WPTUW:\WP2000\SkjritunY2k-nytt.wptrrC {fCrirs?g3|x8DocumentManagement::ModifiedBooleanTRUE($)Hairline d (%27|$ _!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? XX0?vvbX0#ggdd  8dd8ISUS,.     ^^`     0  0  (#$  0  WPCE E 5134!*YoE vv,}}+! ! BBB&&&[[[ ccc333 RRR,,,[[[;;; ,,,&&&lllJJJ cccuuuRRR;;;ccc[[[333[[[ccc333 uuuRRRJJJuuu333cccJJJJJJuuuRRRccc JJJlllJJJuuuJJJlllǧRRR333JJJlll;;; &&&uuuuuucccuuuRRRRRRccclllbccc[[[ccc ;;;333,,,;;;[[[cccRRRRRR ccc Ǽ uuu[[[ާ333uuu  lllJJJ333ccc uuu&&&&&& ,,,%6. *JJJ&&&&&&,,,  [[[ [[[333llluuu&&&cccJJJ  RRRlll[[[ JJJllllllRRR333ccclllJJJ  ,,,JJJ&&&[[[uuu333&&&cccllluuu!cccllluuu[[[&&&ccclllJJJRRRBBBRRR&&& ǼuuuJJJ [[[ccc333 ;;;uuulllRRRlllRRRJJJJJJccc[[[{cllRRRRRR[[ccccc[clll[[[[[c[[c[[c[cc[[c[[c[[[RRcc[[c[c[[c[[[cRc[[[[[cc[cc[[RRcc[[c[c[[c[[[cRc[[[[[cc[cc[[RRcc[[c[c[[c[[[cRc[[[[[cc[cc[[RRcc[[c[c[[c[[[c[c[[[[[cc[cc[[[[cc[[c[c[[c[[[c[c[[[[[[c[c[[[[[cc[[c[[[[c[[[c[c[[c[[[c[c[[[[[cc[cc[[[[cc[[c[c[[c[[[cRc[[[[[cc[cc[[RRcc[[c[c[[c[[[cRc[[[[[cc[cc[[RRcc[[c[c[[c[[[cRc[[[[[cc[cc[[RRcc[[c[c[[c[[[cRc[[[[[cc[cc[[RRc[[[[cc[cc[[[[cc[[[[[c[[c[cc[cc[[[c[[[[[ccc[[[JJJ[[[  lllRRRuuucccJJJccc Ǽ lll ҈333uuu uuu G}% lllBBB;;;lll[[[333333lll&&& Hu޼clllccccccllccccllclclllllclclllclclllclclllllclclllclclllclclllllclclllclclllclclllllclclllclclllclclllclclclllclclllclclllclclclllclclllclclllclclclllclclllclclllclclllllclclllclclllclclllllclclllclclllclclllllclclllclclllclccclclclҧ* ұ Ell,&&& && & & && & && & && & && & && & & & & & & && & & & & & & & & & & & & & & & & & & & & & && & && & && & && & && & && & , , ;;*%Jҧ,3 &3;u;;l;;;;;;u;;u;;;;u;;u;;;;u;;u;;;;;;u;;u;;;;u;;u;;;;u;;u;;;;;;u;;u;;;;u;;u;;;;u;;u;;;;;;u;;;;;;u;;u;;;;u;;u;;;;;;u;;;;;;u;;u;;;;u;;u;;;;;;u;;;;;;u;;u;;;;u;;u;;;;;;u;;;;;;u;;u;;;;u;;u;;;;;;u;;;;;;u;;u;;;;u;;u;;;;u;;u;;;;;;u;;u;;;;u;;u;;;;u;;u;;;;;;u;;u;;;;u;;u;;;;u;;u;;;;;;u;;u;;;;u;;ll)6Iޒ[R &3;6I ,,3ҧ6Hǜ3; ,cl6H[R&3;鼼r)&G鈒u &,r)6F33 &;R6Bާcl&,,3ҧ6Eҧu;; cc6D Ғ[R,&336D ,&ҧ6C;; cc6CBc&&;;鼼 6B&,,3ll6Aǒ;;&,;;6?cl&&,,ҧ6>ҧ;; ll6?ޒ[R &,,6?ll&&&&鈒6>Lj,,&&;R!: ;; ;;鼼) =ҧ , &l6<Ғ;;&3;R BBB&&& &&&;;;;;; <ll&&,3鼼RRR;;;333 ccc333[[[BBB ;ҧ;; ll  ;;;[[[JJJ333ccclllccc : ޒ[R,,;; &&& &&&RRRcccRRRuuu333,,,cccRRR:&&,&ҧ  uuuuuu&&&BBBJJJlllBBBBBBBBBJJJJJJ Ǽ9Ғ,,,&ll uuu JJJccc333鱱,,,RRR[[[lll[[[lll[[[RRRRRRcccccllcccc[cc[[cccccc[[[lll[[[[[[RRRllu;;,, ;;c[[RRRcllcllcccc[cccccccccc[cc[[[ccc[[[RRR[[[ JJJlll,,,RRRlllRRRlll[[[ Ǽ833&,ҧ!&&&uuu&&&,,,lll lll 7ǒ33 [R!BBBJJJJJJ;;;;;;;;;lll&&&JJJJJJ333ccc;;;;;;JJJ;;;;;;[[[;;;;;; /ll,,,,鼼 lll&&&uuuuuu鈈uuuҧuuu /ҧ,, &ccuuu%/ޒ;; & 6/ll,3 &鈒64ǒ , ,cc64cc &3;63ҧ&,&&&0ǒ;;&&[R62cl&,&&鼼6. ҧ,3&ll6.ޱ;R &;;60&&&,ҧ6. ҈ & &cc6/;R&3;;鼼6.鈒 &3;6-鼼;;&3;;6,ll&, &6)鈒,,u ll6*ޒ;; &;;6) ll&&&&ҧ6) ,,,&cc6& [R&&33ҧ &鈒 &,,)  ǜ3; ,[R'ޱcc&,,3鼼6&ҧ3;&,cl  BBB 333BBB;;; &[R&,;;RRRuuu,,,BBB[[[[[[&&&[[[BBB $l &,,ҧ BBBcccRRRBBB[[[[[[ccc #Ғ &ll ,,,llluuu333333cccBBB$ޱcc &3; &&& [[[uuuJJJBBB ;;;JJJBBBLjuuulllcccuuu ccclllcl,, &[Ruuuuuu8uuullluuu uuu  JJJuuu,,,,,,;;;lllޱǒ;; &;R鼼= JJJcccuuu[[[uuu[[[BBBuuulll  ll&& ,$霜,,,uuu&&&;;;llllll "ҧ,,&&ll!;;;;;;BBB,,,BBB;;;ccc BBB333[[[;;;333BBB;;;,,,lll&&&333 !ޒ[R &[R &&&鈈ޱ &&3;ҧ%҈,3,,cc&ާcl ;;鼼$,,,,6ǒ;; &Bc# ll&,&,鼼6 ҧ,, ,cc6ޒ[Ru &;;6&&,3鈒6&&&&cc6clu &;;鼼6ҧ ,,36 Ғ33 &;R 6ll ,&,鼼6ҧ,,u ll6;; ;;6ll &33ҧ6Ғ&,&3cl6[R &3;6 ,&33  Ғ;; ;;+l)  ll33u . 鼼3; ll/6ޒ[R&;; ,,,ccc BBB,,,RRR ccc[[[ u &,ҧ0c*RRRRRRJJJ333lll,,,BBBBBBRRRJJJ ޒ,&&cc2|c3R&Bu;[ J J R J&R&J&J&R&J R&J&J R&J&R J J&R&J R&J&J R&J&R J J&R J R&J&J R&J&R J J&R J R&J&J R&J&R J J&R J R&J&J R&J&J J J&R J J&J&J R&J&J R J&R J J&R&J R&J&J R J&R J J&R&J R&J&J R J&R J J&R&J R&J&J R&J&R J J&R&J R&J&J R&J&R J J&R J R&J&J&J&J&R&J3c;[& ;;;[[[BBBBBBRRR[[[ [R& ;;+ ;[&Bl,J;[;c,R;c;c;[g;c;[;[;c;[;[;[;c;[;[;c;[;[;c;[;[;[;c;[;[;c;[;[;c;[;[;[;c;[;[;c;[;[;c;[;[;[;c;[;[;c;[;[;c;[;[;c;c;[;[;c;[;[;c;[;[;c;[;[;[;c;[;[;c;[;[;c;[;[;[;c;[;[;c;[;[;c;[;[;[;c;[;[;c;[;[;c;[;[;[;c;[;[;c;[;[;c;[;[;[;c;[;[;c;[;[;c;cc*  ,,,;;;[[[uuu333;;;ccc&&&ҧ&&&,鼼. R;[&Bu3R;[;c uuu,,,BBBJJJlllJJJlllBBB333;;;BBB;;;;;;cccҜuuu;;,,u;;ҧc;[,J ;[c  BBBuuu333BBBRRRcccRRRǼǼǃ DZǼ;;,3&,ҧǧҧc,J,J3R&Bl,Jlcҧҧ ccc,,,RRR[[[RRR[[[lll ҧ&, ,ll* R;[;[,J,J;[l ,,,llluuu,,,;;;ccclll ǒ33&3[R ;c&Bl&Bl,J;[Bu!JJJuuulll,,,ccc,,,uuuuuuJJJJJJ&&&[[[uuuBBB333RRRRRRJJJ  ޒ;;u ;;鼼%l;c,J&Bu,J;cc lllRRRRRRRRRBBB&&&uuuJJJJJJ[[[JJJ҈JJJ  cl ,, R;c B&J;[BulҼlll% 33u ll#;c,R Ju Ju&R[u& ҧ&3 ;R l;[&J&J;[3Rc" 鼼33&,3;R&J B&R&R;cl6 ޒ;;,&33鼼c&Ju&Bl;[;[Bu#llu ,& R;[&J J,R;cR6 ll& u ll c3R3R&J J;c6 ҧ &3;R l;c,J,J,J,Jc6ҧ33;;u &  R&R&R J&J;cR6ޱ;R&&u;;鼼 c;[&Ju,J;cc6l ,u &  ҜBu;[&Bl&Bl;[R6鈒& ,ll c;c;[&Bu&Bl;c6ҧ33 cc ;c Bu&R&R Juc6ǒ;;u [R ;c&Ju,R&R;cR6ޱccu &;;ҧ c;[&J R,R;clҼ6cl ,&, lc;c,R B,RR6鈒&3 ,ll R;c&R R&R JuR6u ,,cl c Bu Ju J R;cl 6;;;;;; ,R&Bl;[;[c6ұcc 33ҧ c3c Ju;c6ll & &l;c Bu BuBu   ҧ;; RR;c,J&J;[ 鼼&u [RR&Bl;[3Rc6 ޒ,, &33;c,Jl3Ru;[ BBBBBBRRR;;;;;; RRR;;;uuu333 [R 33ҧBu,J,J,Rcllluuu333RRR;;;cccJJJlll;;;[[[&&&JJJRRR ޱll,,,3l,R&J;[Buuuu,,,;;;JJJ[[[ccc ҧ3;u &cl;c,J;[;[l lll333BBBcccҧ,3&,Bcc&R Ju,Jlc &&& [[[cccBBB&&&uuuJJJ333uuu޼ǒұsҧ;;;;&&;[,R Ju JucR &&& RRRuuu;;;BBB[[[lll333;;;ҧuuuru;;&,;;ll,J,J&J;[RQ &&&RRRRRR[[[RRRlllJJJlll u;;&,llBu&J&JBu BBBBBB333cccBBB;;;[[[ lllҧ;;,3cl;c;[&R Jl!cccǼ,,,lllBBB333LjJJJccc;;;BBB[[[ ǜ3;&3[R鼼&R&J,R;c BBB&&&&&& 333RRR333,,,lllccc RRR  ұ;R&;;cll3Ru,J;[l[[[% cc ,&3cRc;[ Ju3Rc%  &&,u;;RRc&Bl;c" 鼼 33u;;JJJ,Jll '鼼&3&3,3RRRuuu#ҧ,3&3,3c[[6 33 & &ll6c[cu;;&3&ll6c[[cJJJ3;&cc6 l,J&BuBBBu;;&3;;6 ;c3Ru3Ru[[cu;;;;;;鼼6 R;[3Ru,Jlcl;;,,ҧ6 &R&R J3Rҧu;;& cc6 ;c&J;c&RR鼼,,,&;;6l;[ Bu;[c;;u &;;6Bu&R Bu;c;;,3;;ҧ6 R;[,Jl,JRll &&36;c J,Jl;[ҧ&,,3[R 6c Bu&R,RRҧ&3&,;; 6,R,R,R;c鼼3; &33 6Bu,R J;[lޱ;R &33ҧ  ;[&R JBull &,, ;c&R Bu,J鈒 &,cc 6c&Bu J&Rlҧ& 33;; uuuuuuuuulllҧ  c&Bl Bu;cҒ;; &;;鼼 ccc,,,&&&&&&RRRBBBuuucccBBBJJJ,,,333JJJ;;;[[[ccc c3R&J,Rc[R&&&&ҧ BBB;;;;;;&&&333;;;ccc[[[ ;c,Jl Ju;c ll,,&, uuu;;;333 [[[333RRRccc3R&J&RR ҧ&,  333BBBJJJccc;;; [[[,,,ұާDާ;c&Bl,J&Jl҃鼼&,,,clҧ uuu333 BBBBBBuuuuuu&&&LjlllcccuuuC!uuuc,R&J,J3Rcuuuuuuc[[;;&,;;llyuuu ;;; RRRuuuBBB;;;lll Bu&R Bu;c cl ,,3ҧ uuu;;;cccRRRBBBRRR lll;[;[ B[ull&,&&l lll333JJJ[[[uuu [[[BBBRRR,,,lll ;c3R&Bl&Blҧ&&&,cc!uuu,,,&&&JJJ JJJBBB333 l;[&Bu3Ruc 鼼 ,3;RBBB%c&R Ju;c Ғ;;&;;鼼%l;[&J&Juc ާcl ,&,ҧ" c&Ju,R;[ ,3 &鈒 ' &Bl3R3Ruc ҧ,3 &;R#Bu&Bu3R3Ru 鼼33 &;;6;[,J,Jcޒ;; &;Rҧ6c&R&R;[ Ҽ;;u &;;ҧ6 l;c,R JuBu鼈3333&&u;;6 Bu&R Ju,Jl 鼼;;,& u ;;鼼6&R&R Juc 鼼ll&& ,,;;6c R R&Rl鼼llu;;&&&,;R6;[&Ju&RBuұll;;,&u 33ll!6R&R&R,RR鈈u;;,,&& cc#6;c&R J;c鈒;;u &,,&&cc&6R,J&J,Rl ҧ[Ru ,&33[Rҧ'6;c Bu JBuҧ;R,,&&,,[Rҧ)6 c,J,R JR҈Bc33 &&;;ҧ*6;c;[&Bl,R ޱll,,,, ,3l-6c&R J&RR鼼ll & &,33 6Bu&J&J;c ҧ;; &3;cc1) R;c B Rl Ҽ;;&& &&3cl鼼.  ;c,R&Bl;c ;;,,,& cl鼼36 l;[&R Buc LjBc,,,&&&;;ҧ7 ұ 鱱  ;c B R;c 鼼[Ru  &,,;;5 &&&,,,lll &&&BBB333cccJJJ  R&R&R,Rc鼼ll,, ,&33ll5 &&&;;;&&&333,,,ccc[[[ Bu&Ju Ju;cұll;;&& &3;ll鼼<uuu;;;uuuBBBllluuu;;;[[[ccc l;[ Bu&JuR 鼈33&, ,&,cc鼼= 333 cccccc333ccc333 ;c&R Ju,R ҧ;; ,3;&3;R@ lll333 RRRJJJRRRuuucccuuu[[[RRR[[[lll*c[[uuucccc[[llluuulllcllcllc,J Bu,J,R;cuuucllllllll[[[uuuRRR[[[uuuuuuBcu;; u ,3&3;;[Rcccllllllccc[cccllclllllclllllclllllclllllclllllccc[[[ccc 333;;;RRRuuu;;;333lll c3R,J;c 鼼cc,,&,,,;;ҧD uuu;;; RRR[[[[[[JJJJJJlll  c3R3Ru3Ruc 鼼cc,3&3 &3;< ;;;[[[ccc uuu;;;ccc lll  Bu,J,J,J3Rұcl33,,u ,,Alll;;;uuu333,,, ;c,J;[,R;[R鼈,3&,&,&,llD333%s;c&Bu,R&R;cRҼ33 & &,3ccK%lBu,J&J,RBu鼈;;&& ,&ccҧM6sR;c J J Jc ҧ[R,3u &&,[RҧN 'l;[;[&J&RBu҈Bc33&,u &;;ҧJ#[u&J&J&J&Buc҈Bc&,,3 ,&,ҧO6s R&J J&J;cR鼼cl&3&,&33;P6t c,R&Bu,JBulҼ鼼ҧll[R3;&& &3;cl鼼V6wBu;[,J&Buc鼼llcl;R3;&3&,&3 & ,,cc鼼W6{l,R Ju R Ju;c鼼鈒ll;;;;;;;; , ,& && &,,llҧ鼼V6y&Bl&Bl;[;c3Ruާll;; , & & , ,&3,3,3;;llҧ I6wc3RuBBBRRccRcc,RBccl,, ,, & , ,&3;RBcclllҧJ6tҧuuuc,Rc,Rc,Ru;;u;;;;,3&,& &,,;;;Rclҧ鼼h6p鼼llBc;;,3,,,,& & &  33;Rllҧҧg6H鼼鈒cc;;33,&33 ,&,,3u &u &&&;;clҧr6J 鼼鈒cc33 &, &,33;&,u &,,,3;;[R鈒y6C鼼ҧll;;,&u  &&&,3,3;;c,Rc,RcRcuBҧ|6Z鼼llcc[R;;&&u  &u ,&;;cllllRRR[[cRRcRRcRRc6W޼ll[R;;3;3; &&& & &,,;Rllҧҧc;c&R&R,RRz6IǼcc33 , &&,  &;;llҧ;c3Ru&Ju Ju JuR6M鼼Bc,3 , && &&33;3;;Rcl鈒Bu J,R;[;cR) DҼҧ;R33 & & , ,&,;;;Rcl鼼 Bu&J,J;[c  Eҧllll;R33 & & &,3;;ccҧ鼼l;c&J J&RBu 1鼼[R;;3; &   &3;ccҧ鼼c,J&Bu,RBu  0 ҧll;;&, & & &&,&,&,3;RRҧ c&J;[ J&Jc BBBRRR ,,, [[[,,,lll333 7ҧcl33 &,3;;;;;clҧ c Bu&R;[&RR;;;JJJ;;; ,,,&&&cccRRR 4ҧcc;R&,  & &,&33[Rllҧ lBu,J&Bu3R;[Ruuu;;;333[[[ccc;;;[[[[[[333 0ҧllcl;;33&&  &,,;Rllҧ RBu;[,R&Bu3Ru;clҼ&&& RRRccc333 cccRRRǼ,ҧclBc33,&&&,&,&& u cclҧ RBu;c&R&R R Jlҧ [[[BBBJJJlllBBBccclllRRRlllRRRJJJRRRccc[[[Qccc[[[c[ccccRRR[cc[cc[ccRRR[[[RRRJJJRRRRRRJJJlllcccc[[c[[cccu;;u;;;;,, & &, ,,&,&&&,&u;;;;clRRRc[clllc[cc[cc[c[cc[cc[ccccc[[[RRRRRR[[[lllc[[[[[[[[c[[[cc[[c;c;c;c;[,Jl&Bl&Bl&Bl,Jl3Ru;cc3Ru[cccll[cc[[cRRR[ccccc[[[[[[cRcc[[c[[ccc[[[ccc[[[JJJ[[[  JJJuuu333&&&lll Ǽ"Ǽllu;;,&,&&&3333;;;;ccҧ l;c&Ju,R,Jl3Ru;cc[[[ccccccRRRBBBlll ҧҧcc33u u & &&,&;;[Rll鼼Bu,J Ju Ju,R;cc!&&&BBB uuuޜ;;;uuuuuulll 鈈ll[R;;&,& & & 33;Rllҧ鼼  RBu;[&R J&R;clҧ lll;;;lll ,,,lll,,,  ҧ;;&,&, & &3RR鼼 R;[;[&J&J B,J[u޼&&&%c[[u;;clҧ R;[&J,J;[,J;[c% ާR;[ J J&J;[Buc&!ާl;c R J J;[Bulҧ64 R;c&J&J&J J;clҧ 6 c;c;[ J J J;cR6! ާ;c;[&R Ju Ju,Jl;[l6* c3R&Ju&Ju&R;cBul6' R;c J B R&Rc6% lc;[,J&Ju&Bl,Rcҧ6" Bu,R,R,Jl3Ru3Ru;c6 Bu Bu Bu Ju,R;c;cl6 ҧBu3R&J&R&J;cclҼ6 [cc,Jl&Bl&Bl;[Rl6RRcJJJc66+     cccuuu333 uuu333333 [[[,,, 333llluuu&&&cccJJJ uuuBBB RRRuuulll[[[;;;[[[[[[JJJ  ccclll333&&&ccclll[[[Ǽ [[[JJJJJJ333RRR lll[[[uuu[[[RRR[[[lllcccccclllRRRlllcccccclllccc[[[[[[lllccclllccccccllllll[[[lll[[[lllccc[[[lll[[[ccclll[[[ccclllccclllRRRcccllllllccc[[[ccclllccclll[[[[[[lllcccccclllccclll[[[ccclllccclllccc[[[llluuu  uuu&&&RRRuuu,,,&&& 鈈uuu :;DZ::钒:;::lll [[[llluuu[[[lll[[[BBBlll :ccc;:[[[:lll::lll::RRR #ccc,,,  ;;;uuulll :lll;:lll:::uuu::[[[ ![[[;;;cccRRR333&&& &&& :[[[;:ccc:uuu::lll::[[[ ޼ ҼǼ Ǽ:uuu;::鈈::钒:6ccc %:<<:; )+{Z6q 3?H ;;;;;;RRR[[[;;;RRR333;;;[[[#333;;;,,,333[[[uuulll 333333RRRccc333JJJuuuuuuBBB;;;;;;ccc ;;;;;;lll333;;;cccuuu333333BBB;;;BBB333333 [[[333;;;BBB;;;BBB! ;;;;;;RRRBBB333lllRRR333RRR# lll;;;BBB333333JJJ333BBB#333;;;RRRBBB333lll;;;333BBB[[[333RRRHcccuuu333lll[[[[[[JJJ333BBB,,,lll!lll uuu &&&,,,"llluuu,,,cccccc[[[BBB333BBB&&&,,,[[[![[[ &&&333RRRJJJBBB;;;cccccc;;;uuu333uuu,,,[[[RRRRRRRRRlll333 uuu;;;uuu&&&![[[ 333uuu333cccccc,,,lllRRRccc[[[;;;H&&&&&&&&&"uuu333uuu[[[[[[333lll,,,uuu;;;" &&& 333333(&&&llllllRRRBBB[[[ ;;; &&&%[[[BBBBBBccc,,,;;;[[[uuu,,,333 JJJlll333 ,,,uuu" [[[333333&&&&&&Luuu[[[RRRccc333lll %,,,&&& ;;;%JJJRRR[[[,,,,,,lllǼ!uuu333 cccǼ333 &&& RRRccc%BBB&&&RRR[[[,,,uuu333%RRR[[[  lllRRR% [[[333 uuu[[[RRRuuuKuuu[[[RRRJJJ[[[333lllccc#&&&lll  333% uuuBBB[[[RRR,,,[[[ %;;;lll&&&JJJ lll"&&&ާ&&&RRR333;;;;;;;;;cccBBB % &&& RRR[[[# RRR333;;;uuu333 uuu,,,ccccccJJJlllJ&&&cccJJJRRR[[[,,,JJJRRRccclll$ JJJJJJ$ lllBBB[[[[[[,,,! ,,,[[[333#333 lllBBB!BBB333333[[[cccRRRuuu$ RRRBBB uuu333333 RRR$BBB333[[[[[[JJJlllI lll[[[[[[ccc333" 333  #333llllllJJJlll&&&&&&" ;;; 333uuu&&&";;;333RRRBBBuuu$333JJJJJJllluuu333;;;" 333 JJJ#JJJuuuRRR&&&RRR[[[[[[I,,,[[[ BBBBBB;;;! lll[[[ ;;;#&&&RRR,,,;;; BBB lllJJJ;;;JJJ ;;; ;;;#BBBJJJJJJ;;;cccRRR[[[ccc;;;lll,,,"JJJRRR;;;333[[[333333HJJJǧ,,,[[[JJJJJJ鱱cccޱ,,,[[[,,,!lll,,,Ǽ RRR333JJJұ333ccclllBBB鱱[[[cccJJJBBB!lllǧ,,,Ǽ[[[,,,uuu!ұJJJ333鱱RRRRRR 333333DZ鼼JJJlllޱ,,,;;; uuu [[[ &&&JJJccc#,,,,,,DZuuuRRRccc333DZ&&&lll[[[RRRH,,,,,,&&&&&&;;; RRR &&&333  &&&,,,"&&&BBB&&&[[[ ,,,333333uuu"BBB333 ,,,BBB RRR&&&&&&,,,&&&333 uuu"&&&333&&&&&&BBB ccc ,,,333333&&& lll[[[,,, &&& uuu[[[ ,,,333&&&333 llllll#&&&,,,&&& ,,,&&& uuu333,,, &&&333!uuu,,,&&&&&& RRRlll ,,,RRR 333 JJJJJJ $ ,,, &&&&&&,,, uuu,,,,,,&&& 333 [[[ )(;yP%8L+ A9 S1ҼD2Ǽccc;;;;;;,,,;;;BBB;;;JJJޒuuu;;;;;;RRRҜJJJDccc;;;;;;,,,[[[333JJJccc;;;BBBJJJǧuuuJJJ [[[[[[[[[JJJJJJBBB;;;cccccc&&&JJJ,,,cccRRRDccc BBB RRRcccBBBJJJ333uuuuuuJJJJJJBBB'lll[[[ JJJ[[[333BBBRRRCJJJ&lllccc RRRRRRRRRBBBǼJJJlll,,, ,,,JJJRRRlllJJJBBB[[[,,,JJJ,,,uuuBBBBBB&&&BBBBBB2!333Ǽ333lll,,,&&&333ccccccJJJ  ccclllJJJ&&&lll[[[JJJlll&&&RRRRRRlll Ҕ[[[BBB ,,,JJJlllccc cccBBBuuucccRRRJJJJJJ[[[uuuBBBcccJJJ;;;  RRRRRRBBB333ҙҧc[[ JJJ 333uuuޒcccuuu333[[[lll333[[[ccc[[[ccc,,,&&&&&&ccccll,Jl,J J&J J J J R J;[lllllll333RRR[[[uuu[[[RRR333333 RRRRRR[[[[[[,,,RRRJJJ[[[;;;;;;BBBRRRBBB BBBuuu[[[;;;;;;A鼼JJJ &&&&&&&&&&&&& & && & &&&&&& && ;;[[[BBBBBBBBBBBBccc333333llluuucccJJJccc[[[RRRRRRcccccc[[[&&&ccc&&&lllRRR RRc&Bl&Bl B Bu Bu B Bu B Bu Bu B Bu*&Ju&J J Bu3c&RJJJ[[[lllcccRRR[[[cccJJJJJJlll$BBBJJJRRRlll333JJJJJJuuuBBB;;;BBBc,R u ,&;;;cccJJJ&&&JJJcccuuuJJJRRRcccRRR JJJ&&&lllRRR,,,uuuRRR,,, ccc[[[ BBBccc333RRRuuullllllJJJ BBBJJJRRRccc cccBBBJJJ;;;JJJ;;;RRR#,,,BBB;;;RRRJJJ[[[&&&RRRuuucccRRR[[[[[[RRRlll RRR ccc [[[&&& lllRRR &&&;;;lllllluuucccRRR lllJJJ;;;ccc[[[llluuu,,,JJJJJJBBBJJJBBB;;;,,,llllll[[[;;;,,,4ǜ;;;lll[[[BBBccc[[[uuu;;;;;;;;;;;;333BBB333;;;&&&,,, BBBRRRJJJ [[[RRR,,,,,,uuuޒRRR3uuu&&&&&& 333uuu cccޒccc;;;&&& ,,,JJJuuu Lj5  ,,,Ljuuuuuu333 ;;;lll [[[ ,,, &&&,,,lllұ RRRccc ++  (3$ _!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? XX0?vvbX0#ggdd  8dd8ISUS,.     ^^`   ikmo %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.(3$ _!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? XX0?vvbX0#ggdd  8dd8ISUS,.     ^^`   )!dxdx( $ Figure  1  Level 1Level 2Level 3Level 4Level 5(3$ _!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? XX0?vvbX0#ggdd  8dd8ISUS,.     ^^`   d]cb I&mage!<=8C HKKKK(3e?$ _!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? XX0?vvbX0#ggdd  8dd8ISUS,.     ^^`    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) = a',..,XfXXX? XXf0?vvbX0#ggdd  ISUS,.   _>? _#I#_?_  2d XfXd2 #XXf#_ d  ge?+,..,XfXXX? XXf0?vvbX0#ggdd  ISUS,.   d  ݀qi) %y_ gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)4cp Z "Times Regular : e),..,XfXXX? XXf0?vvbX0#ggdd  ISUS,.   _>? Ҁ _!,..,XfXXXTRW6&A4X3' Letter 6&A43'LetterT ? XXf0?vvbX0#ggdd  8dd8ISUS,.     ^^`   _ >?  _ikmo(%03q_s_ 9143.lggjafarYing2013!2014.## ( Xingskjal220"111.ml.     J  Svar# J#     fjrmlaogefnahagsrWherraviWfyrirspurnfrVigdsiHauksd;ttur   7  umvaxtakostnaWrkissj;Wsaferlendumlnum.  X    @   Fyrirspurninhlj;Warsvo:      HvaWYarfslenskarkiWaWgreiWaaukalegarivaxtakostnaWaferlendumlnumvegna    YessaWskuldabrfatgfauppeinnmilljarWbandarkjadala6%vxtumvarnUtttilaW   greiWaniWurlnNorWurlandannasemvorugjalddagarunum2016!2021ogbru wO  meWalvextiupp3,2%? B   Tilgangurskuldabrfatgfuma2012.      Skuldabrfatgfurkissj;WserlendummrkuWumertlaWtryggjaaWganglandsinsaW {  erlendulnsfogviWhaldareglubundnumaWgangiaWalYj;WlegumfjrmagnsmrkuWum.MeW nF erlendritgfuerbyggWuppYekkingogtraustfjrfestarkissj;Wi0slandssemtgefanda 9 skuldabrfaalYj;WlegummarkaWiogleitastviWaWbyggjauppfjlbreyttanh;pfjrfesta.  AWgengirkissj;WsaWerlendummrkuWumereinafhelstuforsendumfyrirafnmigjald  eyrishafta,aukYesssemaWskuldabrfatgfurrkissj;WsliWkafyrirfjrmgnunannarrainn r lendraaWila,einsogfjrmla-ogorkufyrirtkja. e=   0kjlfarefnahagshrunsins2008,Yegarrkissj;WurnautekkilnstraustsalYj;Wlega,fengu 0 rkissj;WurogSeWlabanki0slandsfyrirgreiWsluhjAlYj;Wagjaldeyrissj;WnumogfrNorWur  lndunum.LntakanvarliWurefnahagstlunstj;rnvaldaogvarnotuWtilstyrkingargjald  eyrisforWaSeWlabanka0slands. i   MeWskuldabrfatgfubandarkjadlumfyrrihlutarsins2011vorutekinmikilvg \4 skrefinnalYj;WamarkaWiogvarstaWalandsinssemtgefandaalYj;WamrkuWumenn ' frekarstyrktmeWskuldabrfatgfunnima2012.BtgfanvarmjgvelheppnuWogvar  tluverWumframeftirspurnmeWalfjrfesta.SkuldabrfiWvargefiWttil10raoglengdist  meWallftmilnasafnsrkissj;WsviWYaWogern6,5r.Btgfarkissj;WshafWiYvYann `  megintilgangaWopnavaranlegaaWgangrkissj;WsaWerlendummrkuWum.MeWYessuvar S+! rkissj;WureinnigaWryWjabrautinafyrirmgulegarlntkurannarraYarsemkjrallra " annarrainnlendralntakendaerlendummrkuWumerumiWuWviWkjrrkissj;Ws.TilaW # viWhaldaaWgangiaWmarkaWiernauWsynlegtaWverasUnilegurmrkuWummeWreglulegu  $ millibili.XessistefnaerundirstrikuWlangtmatlunumlnaml.EkkiernokkurvafiaW !W% slengingmeWallftmalnarkissj;Wssemleiddiaftgfunni2012varnauWsynlegogtil J""& YessfallinaWaukatraustrkissj;Wi0slandssemskuldabrfatgefandasemvrifrumaW #' endurfjrmagnaskuldbindingarsnarerlendummrkuWum.XaWerekkitrverWugttillengri #( tmaaWtreystalnveitingarsembyggWarerup;litskumforsendum.MeWskuldabrfa $ ) tgfumrkissj;Ws2011og2012varsUntframgetutillnsfjrmgnunarviWskiptalegum v%N!* forsendum. A&"+    '", 9 y_   ForgreiWslur& ,  NorWurlandalnaogAGS.  (   Xarsemefnahagstlunstj;rnvaldaogAlYj;Wagjaldeyrissj;WsinsvaraWfullufjrmgnuW  ogekkiYrffyrirfrekarilntkutilstyrkingargjaldeyrisforWavartekinkvrWunumaW  greiWaupphlutaYeirralnasemvoruuppgreiWanleg,fyrs',(togfremsttilaWdragarfjr a magnskostnaWi.Xarsemrkissj;WurhafWistaWfestaWgangsinnaWmarkaWivarkveWiWaW T, greiWauppheldurhrrifjrhWentekinhafWiveriWaWlnivoriW2012.Greiddvorulnfr  AlYj;Wagjaldeyrissj;WnumogNorWurlndunum.XaulnvorunuppgreiWslugjalds.    0desember2011hafWirkissj;WureinungisdregiWhelminglnasinnaviWNorWurlndin.   Xegarlj;stvaraWekkiyrWiunntaWlengjasvokallaWdrttartmabillnanna,semvartil  X rsloka2012,varkveWiWaWdragalninaWfulluognUtaYaWftilforgreiWslusmulna K #  oglnasemtekinvoruhjAlYj;Wagjaldeyrissj;Wnum.JafnframtvarYkveWiWaWgreiWa    uppYannhlutaeldrilnasemnsturvartmaogYannigennlengtmeWallftmaYeirralna    semstandaaWbakigjaldeyrisvaraforWaSeWlabankans.0samrmiviWYettavoruinntaraf   hendiforgreiWslurNorWurlandalnunumannarsvegarmars2012oghinsvegarjn2012. wO  NstigjalddagiYeirralnaerriW2019. B   Xr;unvaxtakjaraerlendis.      ViWundirbningskuldabrfatgfunnarma2012ogkvrWunumtgfufstum {  vxtumvarm.a.horfttilvaxtastigssgulegusamhengi.VerWYr;unskuldabrfarkissj;Ws nF eftirmarkaWihefurveriWallhagstW,ensWustumnuWihefurY;veriWtluverWurtitringur 9 alYj;WamrkuWumoghafaskuldabrfrkissj;WsekkifariWvarhlutaafYeirriYr;un.Um  nokkurtskeiWhafamarkaWirveriWhagstWarifyrirtgfuskuldabrfabandarkjadlum  fremurenevrum,enspWerhkkandivaxtastigierlendummrkuWumnstumissirum r ogrumsemhefuraW;breyttuhrifvaxtakjrrkissj;Wstilhkkunar.eftirfarandimynd e= msjspAlYj;Wagjaldeyrissj;WsinsumYr;unsexmnaWavaxtaevrumogbandarkja 0 dlumnstusjrin.  sf?/+b|1 Kt- `@Et t v ; s >?>?>> >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >>>?>? VaxtakjrogsamanburWurvaxtakostnaWar.  A&"+   SkuldabrfiWsemrkissj;Wurgaftma2012ermeWgjalddaga2022ogber5,875%vexti  '", envargefiWtmiWaWviWvxtunarkrfu6,0%.XegarskuldabrfiWvargefiWtvarvxt '#- unarkrafabandarskrarkisskuldabrfatilsambrilegrartmalengdar1,92%.VaxtakostnaWur (z$. fyrirhvert12mnaWatmabiler60millj;nirbandarkjadalaog10ralnstmabilinuYv ( heildarvextirum600millj;nirbandarkjadala.MiWaWviWmeWalgengiokt;ber2013,um121  kr./USD,ervaxtakostnaWurhvers12mnaWatmabilsum7,3milljarWarkr.ogheildarvaxta  kostnaWurlnstmabilinuum72,6milljarWarkr. a   LnskjreruYausmullumNorWurlandalnunum,Y.m.t.lniNoregstilSeWlabanka T, 0slands.Lninberabreytilegavexti,YriggjamnaWaEuriborvexti(millibankavextirevru  markaWi)aWviWbttu2,75%lagi.VaxtakjrlnannabreytastYvYriggjamnaWafresti.  AfborganirlnannattuaWhefjastriW2014ogljkariW2021.BiWeraWforgreiWaaf   borganirranna2014!2018,aWbWumrummeWtldum.  X   HfuWst;llNorWurlandalnannahefurbreystfimmsinnumfrrslokum2009.DregiWvar K #  lninYrisvarsinnum,fyrstrslok2009,Ylokseptember2010oglokslokrs2011,    svosemWurernefnt.TvisvarhefurveriWgreittinnlnin,marsogjn2012.MeWalvaxta    pr;sentaNorWurlandalnannafrupphafitillokaokt;ber2013er3,55%.ErfitteraWsegja   tilumhvernigYr;unmillibankavaxtamuniverWalnstmanumtillokars2021,envs wO  bendingareruum,sbr.YaWsemaWframanerrakiW,aWbreytilegirvextirmunifarahkkandi B  nstumissirumsvosemframkemurspmAlYj;Wagjaldeyrissj;Wsins.0sgulegusam    hengivarvaxtastigmjglgtrinu2012ogframeftirrinu2013ogttiYaWjafntviWum   breytilegavextiogfastavexti. {    LniWsemtekiWvarriW2012oglninfrAlYj;Wagjaldeyrissj;WnumogNorWurlndunum nF eru;sambrileg.AnnarsvegarerumaWrWastyttriln(YegartekiWertillittilgjalddaga) 9 flj;tandivxtumoghinsvegarerumaWrWalengrilnfstumvxtum.AWaukier  annarsvegarumaWrWakluln,YarsemvextirerugreiddirlnstmanumenhfuWst;llinn  allurlokin,oghinsvegarerumaWrWaafborgunarlnogminnkarYvhfuWst;llinnjafnt r ogYtt.XerulninekkisamagjaldmiWlinum,heldurannarsvegarbandarkjadlumog e= hinsvegarevrum. 0  Samantekt.     Megintilgangurlntkunnar2012varaWstyrkjaaWgangrkissj;WsaWalYj;Wlegumfjr i magnsmrkuWum.AWgengirkissj;WsaWerlendummrkuWumermeginforsendafyrirafnmi \4 gjaldeyrishaftaaukYesssemskuldabrfatgfurrkissj;WsliWkafyrirfjrmgnunannarra ' innlendraerlendummrkuWum.    kvrWunumskuldabrfatgfubandarkjadlumoguppgreiWslurlnumfrNorWur  lndunumogAlYj;Wagjaldeyrissj;WnumvoruaWskildar.SvosemWurerrakiWvardregiW `  lnNorWurlandannadesember2011,enumleiWogYaWvargertvarkveWiWaWforgreiWa S+! styttriendaYeirralnaoglnafrAlYj;Wagjaldeyrissj;Wnum.SaWgerWmltistvelfyrirog " vartlkuWsemmerkiumstyrkleikarkissj;WsogmarkaWslegagetuhans.Skuldabrfatgfan # f;rframmaogvarYvsjlfstWkvrWun.StgfabyggWistenguaWsWurmatiSeWla  $ banka0slandsskilegriognauWsynlegristrWgjaldeyrisforWans,ekkisstmeWtillititil !W% formaumlosunfjrmagnshafta.0kjlfarforgreiWslnannaognUrrarlntkuminnkaWigjald J""& eyrisforWilandsinsltillega,enmeWallftmilnalengdistmarkvert. #'   XegarlitiWertillntkunnaroguppgreiWslnannaereinkumtvenntsemstendurupprfyrir #( rkissj;Wtfrhttusj;narmiWi,fariWvarrbreytilegumvxtumfastavextisemdregur $ ) r;vissuogYarmeWhttu.Xj;kstmeWallnstmisafnsinsogYarmeWvardregiWr v%N!* endurfjrmgnunarYrfnsturumogYrUstingurkr;nunaminnkaWisamhliWa.0lj;si A&"+ mgulegsafnmshaftavarYaWjkvttskref.VarWandilnAlYj;Wagjaldeyrissj;Wsinseru  '", skilmlarlnsinsYesseWlisaWeftirYvsemmeiraertekiWaWlniumframkv;ta,Yvhrri '#- voruvextirnir.XaWsamamsegjaeflnstminnvarlengrienYrjr,Yj;kstvaxtalaglns (z$. ins.ViWforgreiWslulnsinsfrAlYj;Wagjaldeyrissj;WnumriW2012varlnstminnstyttur ( ogtistandandiupphWeinnigsembWihafWijkvWhrifvaxtakjrtillkkunar.    Xarsemlninsemspurterumeru;sambrilegognokkur;vissarkirumYr;unerlend  umvaxta-oglnsfjrmrkuWumnsturum,erekkiunntaWsvaraYeirrispurninguhvaW a YettakostirkiWhverjuri.SprviWurkenndraaWilabendaY;eindregiWtilYessaWbreyti T, legirvextirmunihkka.    vinninguraflnastefnunnieraWslenskarkiWngreiWanaWgangaWerlendumfjr  mlamrkuWumnUogtlitiWYvbjartarahvaWvarWarlnsfjrmguleikarkissj;Wsoginn   lendrafyrirtkjaerlendumgjaldmiWlum.