WPC  ǽ-]ل] rW C]SmA0uwgV=|3h$$T)װnB9*%AbwjhgAay:e1 < Ykv08zkІbg1msz./g{ovmc gf2FEeMytu1:&a5E yRGB; Xz}j-b caIB ^w >uUM珿"so er-DŽ^O4B(֭gkNy8Y#O2ߞS&@D4.T!K`3uP9"gSI&۽nGԩy/{ѡhdW^ilN7{ezM@Q]lPQ*_ktbm1qL A70IR}KS+BJd~0{UN% % & 0Y&&#) ^H,^,- m-w@-4]-^ q-}-- D-R. 72.Z. / 0U#7x7>899 09: A: 0t; 0W< 0= 0= 0> 0G? 0? 0@ 0و 0<v 0 0w 1uV 06ˌ 0` 0a 04{ 0Z 0* 053 05h 02 02ϕ 0/ 0/0 0/_ 0,.3.0.-.*J.'t 72.$͡.!. 10.ѥ.0.-.*I.'s.$.!.߭.. 0,0 02\ 0/ 0, 0) 0& 0#8 0 [ 0{ 0U: 05 05! 02VM 02 0/ 0/ B- 0/I 0,x 0, 05 05 0: 02 0D< 02 0/ 0/ 0/ 0,? 0,k 05 05 02 023 0/e 0/ 0/ 0, 0, 05J 05 02 02 0/ 0/G 0/v..1..I..a..y.....5 0,..y... 1U 7 1e 7o 1e} 7 1U 7 E 0,Q 05} 7 7 7 7 1 72m 1 72& 1X 72 1 72 1 72Q 1 72 1< 72 0 0j DC 13 72 1 72s 1 72, 1^ 72 05 02L 1~ 1 1 1 0 0: 0  0  0D  1  1  1  1  72+ 1] 72 1 72 02 0/ 0/0 0/_ 0, 0, 05 0] 02x 02 0/ 0/  0/: 0,i  0,! 02" 0/# 0,"% 0)N& 0&w' 0#( 0 ) 0* 0+ 02- 0/I. 0,x/ 00 0)>1 0&g2 0#3 0 4 05 06 088 0s9: 0: 0;(u> 05> 02? 02A 0/6B 0/eC 0/D 0,E 0,F 0aH 0a|J 0aL 0a>O 0^Q 0^S 0^[V 0[X 0[[ 05o] 05^ 02_ 02 a 0/=b 0/lc 0/d 0,e 0,f 05"h 05Wi 02j 02k 0/l 0/n 0/No 0,}p 0,q 05r 02 t 0/ 06? 0S@ 05mA 05B 02C 02 E 0/;F 0/jG 0/H 0,I 0,J 05 L 05UM 02N 02O 0/P 0/R 0/LS 0,{T 0,U 02V 0/X 0,4Y 0)`Z 0&[ 0#\ 0 ] 0^ 0` 05)a 05^b 02c 02d 0/e 0/&g 0/Uh 0,i 0,j 05k 05m 02Fn 02xo 0/p 0/q 0/s 0,7t 0,cu 0]v 0]x 0ZI{ 0Z} 0W 0WT 0W 0T 0TV 05 0aߌ 0^@ 0^ 0[ 0[W 0[ 0X  0Xe 05 05 02' 02Y 0/ 0/ 0/ 0, 0,D 02p 0/ 0,Ѭ 0) 0&& 0#L 0 o 0 0 0ƴ 05 02 02 0/D 0/s 0/ 0,Ѿ 0, 05) 0]^ 02 02 0/ 0/N 0/} 0, 0, 0] 0]a 0Z 0Z 0Wr 0W 0W  0Tw 0T 02 0/Q 0, 0) 0& 0# 0  0> 0[ 7u 7 7 7 1e 7 1e  7 1e 7 1e 7k 1ey 7 1e 7Q 1e_ 7 1e 77 1gE 7 1g 7! B/U,,LU>xUY.U, 1{ 72 1 72 0b&d9 Z6Times New Roman RegularX(1$ IS , .\R6&A4\X_XXXTRW<6&A4W<6&A4 6&A4 6&A4T ? 9XX_-?vbX-#ggdd  80dd8ISUS.,     Adobe PDF0\\Mimir\forrit\WP2000\template\SKJRIT~1.WPT\\Mimir\forrit\WP2000\template\SkjritunY2k.wptU [MPP{EPPPGFό|)rirs?gҌI"|xLevel 1Level 2Level 3Level 4Level 5)!dxdx_8DocumentManagement::ModifiedBooleanTRUE "h?nnunargreinum$t?lvunarfr%Winga"lUsingarh?nnuWa(iWnaWarrWuneytinuupptalningunastarfsheitinu"kerfisfr%WingurCtskriftt?lvut%kna&RafiWnaWarsk;lanst?lvukerfum&t?lvunarfr%Wiskor&t?lvunarfr%Wingar,t?lvunarfr%Wingarnir$skyldunmskeiWum$skyldueiningunum,st%rWfr%WinmskeiWum(st%rWfr%Wigreiningbestunarfr%Wi&t?lvunarfr%Winnar$t?lvunarfr%Winni&skyldueiningarnar2t?lvunarfr%WinmskeiWumt?lvusviWinu"grunnskilningur(t?lvunarfr%Wideildkj?rsviWa&notendahugbCnaWar$kerfishugbCnaWar&viWskiptafr%Wivalt%knigreinum"kerfisfr%Wingarkj?rsviWiforritun"st%rWfr%Wigrunn$umfj?llunarefniW(st%rWfr%WinmskeiW6t?lvunarfr%Wideildarinnart?lvuv%WingarSkUrr hugbCnaWargerW loftskeytamennkerfisfr%Wing"Ctskriftarnemar"CtskriftarnemumstarfsheitiW&t?lvunarfr%WingurhugbCnargerW kerfisfr%WinganetkerfumCtskrifaW&RafiWnaWarsk;linnumsagnaraWili"lgmarksmenntun$starfsheital?ginl?ggilt"rafverkfr%Wingarafverktaka$lUsingarh?nnuWur*+ (_2623  ..Level 1Level 2Level 3Level 4Level 5Level 1Level 2Level 3Level 4Level 5Level 1Level 2Level 3Level 4Level 5Level 1Level 2Level 3Level 4Level 5, *HNK2   cf&OLE 2.0 Box <=8C HKKKK*G+G (_25   /% F NV^ /23  ../% F NV^ /   *8+8 (_24  ,"F F NV^ ,23  ..,"F F NV^ ,  *5+5 (_23 ` ) NV^ )23  ..) NV^ ) ` *2+2 (_22  &NV^ &23  ..&NV^ &  */+/ (_21  #NNV^ #23  ..#NNV^ #  *,+, (_20 h  V^ 23  .. V^ h *)+) (_19  V^ 23  ..V^   *&+& (_18  VV^ 23  ..VV^   *AA (_17  5+> >F NV^ 523  Ԁ5+> >F NV^ 5  *GG (_16   /% F NV^ /23  Ԁ/% F NV^ /   *88 (_15  ,"F F NV^ ,23  Ԁ,"F F NV^ ,  *55 (_14 ` ) NV^ )23  Ԁ) NV^ ) ` *22 (_13  &NV^ &23  Ԁ&NV^ &  *// (_12  #NNV^ #23  Ԁ#NNV^ #  *,, (_11 h  V^ 23  Ԁ V^ h *)) (_10  V^ 23  ԀV^   (&& &_9  VV^ 23  ԀVV^   (AA &_8  5+> >F NV^ 523  5+> >F NV^ 5  (GG &_7   /% F NV^ /23  /% F NV^ /   (88 &_6  ,"F F NV^ ,23  ,"F F NV^ ,  (55 &_5 ` ) NV^ )23  ) NV^ ) ` (22 &_4  &NV^ &23  &NV^ &  (// &_3  #NNV^ #23  #NNV^ #  (,, &_2 h  V^ 23   V^ h ()) &_1  V^ 23  V^   <:Default Para(5hCEKQW]cioAutoList1a.a.a.a.a.a.a.a.3a. 2 a'ISUS.,,,..XXXX? XX-?vbX-#ggdd  ISIS,.   _ (EhCEKQW]cioAutoList2a.a.a.a.a.a.a.a. - e)ISUS.,,,..XXXX? XX-?vbX-#ggdd  ISIS,.   _Ԁ6a.0UhCEKQW]cioAutoList31.1.1.1.1.1.1.1.91.(ehCEKQW]cioAutoList41.1.1.1.1.1.1.1.;1.(uhCEKQW]cioAutoList51.1.1.1.1.1.1.1.=1.&&& $_  VV^ 23  VV^   <:footnote ref,*MIVJ2000Level 1   IS XXX US   2zz0Level 3   7 2( 4 <DL2 IS XXX  2( 4 <DL2 US    0GG.header   `  IS XXX US    ` 0GG.footer   `  IS XXX US    ` :8page number<~:Normal/miWja     IS    C b+A`CalibriC  S\  `&Times New RomanS   IS 86No Spacing     5+> >+yd^ 5 IS    C b+A`CalibriC  S\  `&Times New RomanS  5+> >+yd^ 5   IS .,Strik  7(X7     )Q QNV^ ) IS    C b+A`CalibriC  S\  `&Times New RomanS7(X7   5+> >F NV^ 5   IS <:Millifyrirs1     IS    C b+A`CalibriC  S\  `&Times New RomanS   IS <:Millifyrirs?     IS    C b+A`CalibriC  S\  `&Times New RomanS    IS <|:Fyrirs?gn 3   IS    C b+A`CalibriCS\  `&Times New RomanS    IS <:Fyrirs?gn      IS    C b+A`CalibriC#  S\  `&Times New RomanS#   IS <:Fyrirs?gn 2     IS C b+A`CalibriC  S\  `&Times New RomanS    IS <:Fyrirs?gn 1     IS XXXC b+A`CalibriC  S\  `&Times New RomanS    IS :xx8Header Char IS &&&S\  `&Times New RomanSS\  `&Times New RomanS IS <~:GreinarnCmer     IS    C b+A`CalibriC  S\  `&Times New RomanS   IS <:Greinarfyrir     IS    C b+A`CalibriC  S\  `&Times New RomanS   IS 64Hyperlink     d cfA<< c($<:Kaflafyrirs?     IS    C b+A`CalibriC  S\  `&Times New RomanS    IS 86KaflanCmer     IS    C b+A`CalibriC  S\  `&Times New RomanS   IS :xx8Footer Char IS &&&S\  `&Times New RomanSS\  `&Times New RomanS IS <~:footnote te1     IS C b+A`CalibriC  S\  `&Times New RomanS   IS <xx:Footnote Tex IS S\  `&Times New RomanSS\  `&Times New RomanS IS <:NCmer Yings/     IS    C b+A`CalibriC  S\  `&Times New RomanS    IS ikmo0Eu{}1. a. 1.StafliWir undir t?luliW1.!1.2t0Default    XXXC b+A`CalibriCS\  `&Times New RomanS    (N3$ !ISUS.,,,..TRW6&A4X3' Letter 6&A4\X_X3'LetterTXXXXTRW6&A4W6&A4 6&A4 6&A4\X_XT ? XX-?vbX-#ggdd  8dd8ISIS,.      <ll:annotation rS\  `&Times New RomanSS\  `&Times New RomanS(N3$ !ISUS.,,,..TRW6&A4X3' Letter 6&A4\X_X3'LetterTXXXXTRW6&A4W6&A4 6&A4 6&A4\X_XT ? XX-?vbX-#ggdd  8dd8ISIS,.      UUUU)!dxdx(N3$ !ISUS.,,,..TRW6&A4X3' Letter 6&A4\X_X3'LetterTXXXXTRW6&A4W6&A4 6&A4 6&A4\X_XT ? XX-?vbX-#ggdd  8dd8ISIS,.      ( $ Figure  1  (Z3$ !ISUS.,,,..TRW6&A4X3' Letter 6&A4\X_X3'LetterTXXXXTRW6&A4W6&A4 6&A4 6&A4\X_XT ? XX-?vbX-#ggdd  8dd8ISIS,.       d <q:annotation t      IS C b+A`CalibriC  S\  `&Times New RomanS    IS (M(m$2JT  0  .3  0  < :Comment Text IS  IS (O;$0  2#  a  .3  0` (#(# cf I&mage!<=8C HKKKK(u$0  0` (#(#` `  2  a  .3  0` (#` (#<:appleconver(`$0  0` (#(#0 ` (#` (#0 (# (#"h2  0  .3  0(#(#<:List Paragra   X   2( F NV^ 2 IS    C b+A`CalibriC  S\  `&Times New RomanS  5+> >F NV^ 5    IS 3#37=CIQYag1.a.i.(1)(a)(i)1)a)0.Strong <:Balloon Tex1      IS C b+A`CalibriC  S\  `&Times New RomanS    IS <fx:Balloon Text IS A $TahomaAS\  `&Times New RomanS IS <t:annotation s      IS C b+A`CalibriC  S\  `&Times New RomanS     IS <:Comment Subj  IS  IS 4s2Revision   IS    C b+A`CalibriCS\  `&Times New RomanS   IS <g+g :Outline001_1  b 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline001_2  N 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline001_3  ; 2(z zF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline001_4  ( 2(f fF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline001_5   /%S S F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline001_6   /%@ @ F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline001_7   /%, , F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline001_8   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <f+f :Outline014_1   2( 4 <DL223  ..  2( 4 <DL2  <c+f :Outline014_2  q /%M M <DL/23  ..  2( 4 <DL2  <`+f :Outline014_3 j  ," <DL,23  ..  2( 4 <DL2 j <]+f :Outline014_4  ! ) <DL)23  ..  2( 4 <DL2  <Z+f :Outline014_5  y &UUDL&23  ..  2( 4 <DL2  qi)<W+f :Outline014_6 j  #DL#23  ..  2( 4 <DL2 j <T+f :Outline014_7  )  DL 23  ..  2( 4 <DL2  <Q+f :Outline014_8   ]]L23  ..  2( 4 <DL2   gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)<N+f :Outline014_9 j  L23  ..  2( 4 <DL2 j <c+f :Outline015_1   /%  <DL/23  ..  2( 4 <DL2  <`+f :Outline015_2  _ ,"; ; <DL,23  ..  2( 4 <DL2  <]+f :Outline015_3 j  ) <DL)23  ..  2( 4 <DL2 j <Z+f :Outline015_4   &DL&23  ..  2( 4 <DL2  <W+f :Outline015_5  g #CCDL#23  ..  2( 4 <DL2  <T+f :Outline015_6 j   DL 23  ..  2( 4 <DL2 j <Q+f :Outline015_7   L23  ..  2( 4 <DL2  <N+f :Outline015_8  o KKL23  ..  2( 4 <DL2  <K+f :Outline015_9 j   L23  ..  2( 4 <DL2 j <^+g :Outline001_9   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline002_1  X 2( F NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline002_2   /% F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline002_3 j  ,"F F NV^ , IS 23  ..  5+> >F NV^ 5 j  IS <[+g :Outline002_4  ` ) NV^ ) IS 23  ..  5+> >F NV^ 5   IS <X+g :Outline002_5   &NV^ & IS 23  ..  5+> >F NV^ 5   IS <U+g :Outline002_6 j  #NNV^ # IS 23  ..  5+> >F NV^ 5 j  IS <R+g :Outline002_7  h  V^  IS 23  ..  5+> >F NV^ 5   IS <O+g :Outline002_8   V^  IS 23  ..  5+> >F NV^ 5   IS <L+g :Outline002_9 j  VV^  IS 23  ..  5+> >F NV^ 5 j  IS 4cp Z "Times Regular<g+g :Outline003_1  b 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline003_2  N 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline003_3  ; 2(z zF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline003_4  ( 2(f fF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline003_5   /%S S F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline003_6   /%@ @ F NV^ / IS 23  ..  5+> >F NV^ 5   IS )Hairline d<a+g :Outline003_7   /%, , F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline003_8   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline003_9   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline004_1  b 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline004_2  N 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS (`H2y$ !ISUS.,,,..TRW6&A4X3' Letter 6&A43'LetterTXXXXTRW6&A4W6&A4 6&A4 6&A4T ? XX-?vbX-#ggdd  8dd8ISIS,.          0  Ԁ<d+g :Outline004_3  ; 2(z zF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS (#$  0  <d+g :Outline004_4  ( 2(f fF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline004_5   /%S S F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline004_6   /%@ @ F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline004_7   /%, , F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline004_8   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline004_9   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline005_1  b 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline005_2  N 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline005_3  ; 2(z zF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline005_4  ( 2(f fF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline005_5   /%S S F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline005_6   /%@ @ F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline005_7   /%, , F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline005_8  N ," NV^ , IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline005_9   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline006_1  b 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline006_2  N 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline006_3  ; 2(z zF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline006_4  ( 2(f fF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline006_5   /%S S F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline006_6   /%@ @ F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline006_7   /%, , F NV^ / IS 23  ..  5+> >F NV^ 5   IS < :Outline037_123  < :Outline037_223  < :Outline037_323  < :Outline037_423  < :Outline037_523  < :Outline037_623  < :Outline037_723  < :Outline037_823  < :Outline037_923  < :Outline038_123  < :Outline038_223  < :Outline038_323  < :Outline038_423  <^+g :Outline006_8  N ," NV^ , IS 23  ..  5+> >F NV^ 5   IS < :Outline038_523  < :Outline038_623  < :Outline038_723  < :Outline038_823  < :Outline038_923   359=AEIMQ1.P....... 35;AGMSY_2a.a.i.1.a.i.1.a.i. 35;AGMSY_31.a.i.1.a.i.1.a.i. 359=AEIMQ4.........<^+g :Outline006_9   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline007_1  b 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS .i.i..(hCEKQW]cioAutoList6a.a.a.a.a.a.a.a.a.(hCEKQW]cioAutoList71.1.1.1.1.1.1.1.1.(hCEKQW]cioAutoList81.1.1.1.1.1.1.1.1.( CEKQW]cioAutoList9A.A.A.A.A.A.A.A.A.(գEGMSY_ekqAutoList101.1.1.1.1.1.1.1.1.(:EGMSY_ekqAutoList11A.A.A.A.A.A.A.A.A.(JEGMSY_ekqAutoList12A.A.A.A.A.A.A.A.A.6/ 4Heading 1&&&    &&&20Caption &&& U=Thin Bottomdxd(EGMSY_ekqAutoList131.1.1.1.1.1.1.1.1.(EGMSY_ekqAutoList14a.a.a.a.a.a.a.a.a.(%EGMSY_ekqAutoList15a.a.a.a.a.a.a.a.a.(5EGMSY_ekqAutoList16a.a.a.a.a.a.a.a.a.<g+g :Outline007_2  N 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline007_3  ; 2(z zF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS (EEGMSY_ekqAutoList17a.a.a.a.a.a.a.a.(UEGMSY_ekqAutoList18a.a.a.a.a.a.a.a.(eEGMSY_ekqAutoList19a.a.a.a.a.a.a.a.(EGMSY_ekqAutoList20a.a.a.a.a.a.a.a.(xir$0  0` (#(#0 ` (#` (#2#(  0  )3  0 (# (#(F$0  0` (#(#0 ` (#` (#0 (# (#0h(#(#2#(   )3  0h(#h(#($0  0` (#(#0 ` (#` (#0 (# (#0h(#(#0h(#h(#2#  0  )3  0(#(#({$0  0` (#(#0 ` (#` (#0 (# (#0h(#(#0h(#h(#0(#(#2#  a  )3  0p(#(#(F$0  0` (#(#0 ` (#` (#0 (# (#0h(#(#0h(#h(#0(#(#0p(#(#2#     )3  0p(#p(# ikmoh}EGKOSW[_cAutoList22!!!!!!!!)1)a)(EEGMSY_ekqAutoList23a.a.a.a.a.a.a.a.(UEGMSY_ekqAutoList24a.a.a.a.a.a.a.a.(eEGMSY_ekqAutoList25a.a.a.a.a.a.a.a. a.(uEGMSY_ekqAutoList26a.a.a.a.a.a.a.a.a.(EGMSY_ekqAutoList27a.a.a.a.a.a.a.a.a.<d+g :Outline007_4  ( 2(f fF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline007_5   /%S S F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline007_6   /%@ @ F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline007_7   /%, , F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline007_8   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline007_9   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline008_1  b 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS < :Outline008_2  N 5+ F NV^ 5 IS A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  5+> >F NV^ 5   IS <d+g :Outline008_3  ; 2(z zF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline008_4  ( 2(f fF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline008_5   /%S S F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline008_6   /%@ @ F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline008_7   /%, , F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline008_8  N ," NV^ , IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline008_9   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline009_1  X 2( F NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline009_2   /% F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline009_3 j  ,"F F NV^ , IS 23  ..  5+> >F NV^ 5 j  IS <[+g :Outline009_4  ` ) NV^ ) IS 23  ..  5+> >F NV^ 5   IS <X+g :Outline009_5   &NV^ & IS 23  ..  5+> >F NV^ 5   IS <U+g :Outline009_6 j  #NNV^ # IS 23  ..  5+> >F NV^ 5 j  IS <R+g :Outline009_7  h  V^  IS 23  ..  5+> >F NV^ 5   IS <O+g :Outline009_8   V^  IS 23  ..  5+> >F NV^ 5   IS <L+g :Outline009_9 j  VV^  IS 23  ..  5+> >F NV^ 5 j  IS <d+g :Outline010_1  X 2( F NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline010_2   /% F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline010_3 j  ,"F F NV^ , IS 23  ..  5+> >F NV^ 5 j  IS 622 4Body Text US XXX   IS   <[+g :Outline010_4  ` ) NV^ ) IS 23  ..  5+> >F NV^ 5   IS <X+g :Outline010_5   &NV^ & IS 23  ..  5+> >F NV^ 5   IS <U+g :Outline010_6 j  #NNV^ # IS 23  ..  5+> >F NV^ 5 j  IS <R+g :Outline010_7  h  V^  IS 23  ..  5+> >F NV^ 5   IS <O+g :Outline010_8   V^  IS 23  ..  5+> >F NV^ 5   IS <L+g :Outline010_9 j  VV^  IS 23  ..  5+> >F NV^ 5 j  IS 8_ z,kaflikafli  6III  .6ۀKAFLI     kaflanumerLevel 1Level 2Level 3Level 4Level 5F 7 #,greingreinarnCmer  83  .8ۀgr.  greinLevel 1Level 2Level 3Level 4Level 5X[ |0greinmfgrein meW fyrirs?gn  84  .8ۀgr.    < :Outline011_1  b 5+ F NV^ 5 IS    S\  `&Times New RomanS23  S\  `&Times New RomanS   S\  `&Times New RomanS..S\  `&Times New RomanS  5+> >F NV^ 5   IS <g+g :Outline011_2  N 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline011_3  ; 2(z zF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline011_4  ( 2(f fF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline011_5   /%S S F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline011_6   /%@ @ F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline011_7   /%, , F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline011_8   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline011_9   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS < :Outline012_1  b 5+ F NV^ 5 IS C b+A`CalibriC23  S\  `&Times New RomanSC b+A`CalibriC..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline012_2  N 5+ F NV^ 5 IS C b+A`CalibriC23  S\  `&Times New RomanSC b+A`CalibriC..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline012_3  ; 5+z yzF NV^ 5 IS C b+A`CalibriC23  S\  `&Times New RomanSC b+A`CalibriC..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline012_4  ( 5+f ffF NV^ 5 IS C b+A`CalibriC23  S\  `&Times New RomanSC b+A`CalibriC..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline012_5   2(S Q S F NV^ 2 IS C b+A`CalibriC23  S\  `&Times New RomanSC b+A`CalibriC..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline012_6   2(@ > @ F NV^ 2 IS C b+A`CalibriC23  S\  `&Times New RomanSC b+A`CalibriC..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline012_7   2(, * , F NV^ 2 IS C b+A`CalibriC23  S\  `&Times New RomanSC b+A`CalibriC..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline012_8   /%   NV^ / IS C b+A`CalibriC23  S\  `&Times New RomanSC b+A`CalibriC..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline012_9   /%   NV^ / IS C b+A`CalibriC23  S\  `&Times New RomanSC b+A`CalibriC..S\  `&Times New RomanS  5+> >F NV^ 5   IS <g+g :Outline013_1  b 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline013_2  N 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline013_3  ; 2(z zF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline013_4  ( 2(f fF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline013_5   /%S S F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline013_6   /%@ @ F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline013_7   /%, , F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline013_8   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline013_9   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline014_1  b 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline014_2  N 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline014_3  ; 2(z zF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline014_4  ( 2(f fF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline014_5   /%S S F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline014_6   /%@ @ F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline014_7   /%, , F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline014_8   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline014_9   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline015_1   5+W WF NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline015_2  p 2( F NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline015_3 j  /%  F NV^ / IS 23  ..  5+> >F NV^ 5 j  IS <^+g :Outline015_4   ,"_ _ NV^ , IS 23  ..  5+> >F NV^ 5   IS <[+g :Outline015_5  x ) NV^ ) IS 23  ..  5+> >F NV^ 5   IS <X+g :Outline015_6 j  &NV^ & IS 23  ..  5+> >F NV^ 5 j  IS <U+g :Outline015_7  ( #ggV^ # IS 23  ..  5+> >F NV^ 5   IS <R+g :Outline015_8    V^  IS 23  ..  5+> >F NV^ 5   IS <O+g :Outline015_9 j  V^  IS 23  ..  5+> >F NV^ 5 j  IS <d+g :Outline016_1  X 2( F NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline016_2   /% F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline016_3 j  ,"F F NV^ , IS 23  ..  5+> >F NV^ 5 j  IS <[+g :Outline016_4  ` ) NV^ ) IS 23  ..  5+> >F NV^ 5   IS <X+g :Outline016_5   &NV^ & IS 23  ..  5+> >F NV^ 5   IS <U+g :Outline016_6 j  #NNV^ # IS 23  ..  5+> >F NV^ 5 j  IS <R+g :Outline016_7  h  V^  IS 23  ..  5+> >F NV^ 5   IS <O+g :Outline016_8   V^  IS 23  ..  5+> >F NV^ 5   IS <L+g :Outline016_9 j  VV^  IS 23  ..  5+> >F NV^ 5 j  IS <g+g :Outline017_1  b 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS < :Outline017_2  N 5+ F NV^ 5 IS A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  5+> >F NV^ 5   IS <d+g :Outline017_3  ; 2(z zF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline017_4  ( 2(f fF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline017_5   /%S S F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline017_6   /%@ @ F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline017_7   /%, , F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline017_8  N ," NV^ , IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline017_9   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline018_1  b 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS < :Outline018_2  N 5+ F NV^ 5 IS C b+A`CalibriC23  S\  `&Times New RomanSC b+A`CalibriC..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline018_3  ; 2(z zF NV^ 2 IS C b+A`CalibriC23  S\  `&Times New RomanSC b+A`CalibriC..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline018_4  ( 2(f fF NV^ 2 IS C b+A`CalibriC23  S\  `&Times New RomanSC b+A`CalibriC..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline018_5   /%S S F NV^ / IS C b+A`CalibriC23  S\  `&Times New RomanSC b+A`CalibriC..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline018_6   /%@ @ F NV^ / IS C b+A`CalibriC23  S\  `&Times New RomanSC b+A`CalibriC..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline018_7   /%, , F NV^ / IS C b+A`CalibriC23  S\  `&Times New RomanSC b+A`CalibriC..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline018_8   ,"  NV^ , IS C b+A`CalibriC23  S\  `&Times New RomanSC b+A`CalibriC..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline018_9   ,"  NV^ , IS C b+A`CalibriC23  S\  `&Times New RomanSC b+A`CalibriC..S\  `&Times New RomanS  5+> >F NV^ 5   IS <g+g :Outline019_1  b 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline019_2  N 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline019_3  ; 2(z zF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline019_4  ( 2(f fF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline019_5   /%S S F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline019_6   /%@ @ F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline019_7   /%, , F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline019_8   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline019_9   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline020_1  b 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline020_2  N 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline020_3  ; 2(z zF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline020_4  ( 2(f fF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline020_5   /%S S F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline020_6   /%@ @ F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline020_7   /%, , F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline020_8   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline020_9   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline021_1  b 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline021_2  N 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline021_3  ; 2(z zF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline021_4  ( 2(f fF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline021_5   /%S S F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline021_6   /%@ @ F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline021_7   /%, , F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline021_8   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline021_9   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline022_1  b 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS < :Outline022_2  N 5+ F NV^ 5 IS A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  5+> >F NV^ 5   IS <d+g :Outline022_3  ; 2(z zF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline022_4  ( 2(f fF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline022_5   /%S S F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline022_6   /%@ @ F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline022_7   /%, , F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline022_8  N ," NV^ , IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline022_9   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline023_1  b 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline023_2  N 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline023_3  ; 2(z zF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline023_4  ( 2(f fF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline023_5   /%S S F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline023_6   /%@ @ F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline023_7   /%, , F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline023_8  N ," NV^ , IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline023_9   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline024_1  b 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline024_2  N 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline024_3  ; 2(z zF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline024_4  ( 2(f fF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline024_5   /%S S F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline024_6   /%@ @ F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline024_7   /%, , F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline024_8   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline024_9   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS < :Outline025_1  b 5+ F NV^ 5 IS    S\  `&Times New RomanS23  S\  `&Times New RomanS   S\  `&Times New RomanS..S\  `&Times New RomanS  5+> >F NV^ 5   IS <g+g :Outline025_2  N 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline025_3  ; 2(z zF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline025_4  ( 2(f fF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline025_5   /%S S F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline025_6   /%@ @ F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline025_7   /%, , F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline025_8   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline025_9   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline026_1  b 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline026_2  N 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline026_3  ; 2(z zF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline026_4  ( 2(f fF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline026_5   /%S S F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline026_6   /%@ @ F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline026_7   /%, , F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline026_8   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline026_9   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS < :Outline027_1  b 5+ F NV^ 5 IS C b+A`CalibriC23  S\  `&Times New RomanSC b+A`CalibriC..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline027_2  N 5+ F NV^ 5 IS C b+A`CalibriC23  S\  `&Times New RomanSC b+A`CalibriC..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline027_3  ; 5+z yzF NV^ 5 IS C b+A`CalibriC23  S\  `&Times New RomanSC b+A`CalibriC..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline027_4  ( 5+f ffF NV^ 5 IS C b+A`CalibriC23  S\  `&Times New RomanSC b+A`CalibriC..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline027_5   2(S Q S F NV^ 2 IS C b+A`CalibriC23  S\  `&Times New RomanSC b+A`CalibriC..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline027_6   2(@ > @ F NV^ 2 IS C b+A`CalibriC23  S\  `&Times New RomanSC b+A`CalibriC..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline027_7   2(, * , F NV^ 2 IS C b+A`CalibriC23  S\  `&Times New RomanSC b+A`CalibriC..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline027_8   /%   NV^ / IS C b+A`CalibriC23  S\  `&Times New RomanSC b+A`CalibriC..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline027_9   /%   NV^ / IS C b+A`CalibriC23  S\  `&Times New RomanSC b+A`CalibriC..S\  `&Times New RomanS  5+> >F NV^ 5   IS <g+g :Outline028_1  b 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline028_2  N 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline028_3  ; 2(z zF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline028_4  ( 2(f fF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline028_5   /%S S F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline028_6   /%@ @ F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline028_7   /%, , F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline028_8  N ," NV^ , IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline028_9   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS < :Outline029_1  b 5+ F NV^ 5 IS    S\  `&Times New RomanS23  S\  `&Times New RomanS   S\  `&Times New RomanS..S\  `&Times New RomanS  5+> >F NV^ 5   IS <g+g :Outline029_2  N 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline029_3  ; 2(z zF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline029_4  ( 2(f fF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline029_5   /%S S F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline029_6   /%@ @ F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline029_7   /%, , F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline029_8   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline029_9   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline030_1  b 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline030_2  N 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline030_3  ; 2(z zF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline030_4  ( 2(f fF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline030_5   /%S S F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline030_6   /%@ @ F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline030_7   /%, , F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline030_8   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline030_9   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline031_1  X 2( F NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline031_2   /% F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline031_3 j  ,"F F NV^ , IS 23  ..  5+> >F NV^ 5 j  IS <[+g :Outline031_4  ` ) NV^ ) IS 23  ..  5+> >F NV^ 5   IS <X+g :Outline031_5   &NV^ & IS 23  ..  5+> >F NV^ 5   IS <U+g :Outline031_6 j  #NNV^ # IS 23  ..  5+> >F NV^ 5 j  IS <R+g :Outline031_7  h  V^  IS 23  ..  5+> >F NV^ 5   IS <O+g :Outline031_8   V^  IS 23  ..  5+> >F NV^ 5   IS <L+g :Outline031_9 j  VV^  IS 23  ..  5+> >F NV^ 5 j  IS <g+g :Outline032_1  b 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline032_2  N 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline032_3  ; 2(z zF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline032_4  ( 2(f fF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline032_5   /%S S F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline032_6   /%@ @ F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline032_7   /%, , F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline032_8   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline032_9   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline033_1  b 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline033_2  N 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline033_3  ; 2(z zF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline033_4  ( 2(f fF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline033_5   /%S S F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline033_6   /%@ @ F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline033_7   /%, , F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline033_8   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline033_9   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline034_1  X 2( F NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline034_2   /% F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline034_3   ,"F F NV^ , IS 23  ..  5+> >F NV^ 5   IS <[+g :Outline034_4  ` ) NV^ ) IS 23  ..  5+> >F NV^ 5   IS <X+g :Outline034_5   &NV^ & IS 23  ..  5+> >F NV^ 5   IS <U+g :Outline034_6   #NNV^ # IS 23  ..  5+> >F NV^ 5   IS <R+g :Outline034_7  h  V^  IS 23  ..  5+> >F NV^ 5   IS <O+g :Outline034_8   V^  IS 23  ..  5+> >F NV^ 5   IS <L+g :Outline034_9   VV^  IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline035_1  b 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline035_2  N 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline035_3  ; 2(z zF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline035_4  ( 2(f fF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline035_5   /%S S F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline035_6   /%@ @ F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline035_7   /%, , F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline035_8   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline035_9   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline036_1  b 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline036_2  N 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline036_3  ; 2(z zF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline036_4  ( 2(f fF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline036_5   /%S S F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline036_6   /%@ @ F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline036_7   /%, , F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline036_8   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline036_9   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS < :Outline037_1  b 5+ F NV^ 5 IS A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline037_2  N 5+ F NV^ 5 IS A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline037_3  ; 2(z zF NV^ 2 IS A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline037_4  ( 2(f fF NV^ 2 IS A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline037_5   /%S S F NV^ / IS A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline037_6   /%@ @ F NV^ / IS A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline037_7   /%, , F NV^ / IS A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline037_8   ,"  NV^ , IS A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline037_9   ,"  NV^ , IS A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  5+> >F NV^ 5   IS <g+g :Outline038_1  b 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS < :Outline038_2  N 5+ F NV^ 5 IS C b+A`CalibriC23  S\  `&Times New RomanSC b+A`CalibriC..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline038_3  ; 2(z zF NV^ 2 IS C b+A`CalibriC23  S\  `&Times New RomanSC b+A`CalibriC..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline038_4  ( 2(f fF NV^ 2 IS C b+A`CalibriC23  S\  `&Times New RomanSC b+A`CalibriC..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline038_5   /%S S F NV^ / IS C b+A`CalibriC23  S\  `&Times New RomanSC b+A`CalibriC..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline038_6   /%@ @ F NV^ / IS C b+A`CalibriC23  S\  `&Times New RomanSC b+A`CalibriC..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline038_7   /%, , F NV^ / IS C b+A`CalibriC23  S\  `&Times New RomanSC b+A`CalibriC..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline038_8   ,"  NV^ , IS C b+A`CalibriC23  S\  `&Times New RomanSC b+A`CalibriC..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline038_9   ,"  NV^ , IS C b+A`CalibriC23  S\  `&Times New RomanSC b+A`CalibriC..S\  `&Times New RomanS  5+> >F NV^ 5   IS <g+g :Outline039_1  b 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline039_2  N 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline039_3  ; 2(z zF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline039_4  ( 2(f fF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline039_5   /%S S F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline039_6   /%@ @ F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline039_7   /%, , F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline039_8   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline039_9   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline040_1  X 2( F NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline040_2   /% F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline040_3 j  ,"F F NV^ , IS 23  ..  5+> >F NV^ 5 j  IS <[+g :Outline040_4  ` ) NV^ ) IS 23  ..  5+> >F NV^ 5   IS <X+g :Outline040_5   &NV^ & IS 23  ..  5+> >F NV^ 5   IS <U+g :Outline040_6 j  #NNV^ # IS 23  ..  5+> >F NV^ 5 j  IS <R+g :Outline040_7  h  V^  IS 23  ..  5+> >F NV^ 5   IS <O+g :Outline040_8   V^  IS 23  ..  5+> >F NV^ 5   IS <L+g :Outline040_9 j  VV^  IS 23  ..  5+> >F NV^ 5 j  IS < :Outline041_1  b 5+ F NV^ 5 IS    S\  `&Times New RomanS23  S\  `&Times New RomanS   S\  `&Times New RomanS..S\  `&Times New RomanS  5+> >F NV^ 5   IS <g+g :Outline041_2  N 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline041_3  ; 2(z zF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline041_4  ( 2(f fF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline041_5   /%S S F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline041_6   /%@ @ F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline041_7   /%, , F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline041_8   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline041_9   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS <g+g :Outline042_1  b 5+ F NV^ 5 IS 23  ..  5+> >F NV^ 5   IS < :Outline042_2  N 5+ F NV^ 5 IS A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  5+> >F NV^ 5   IS <d+g :Outline042_3  ; 2(z zF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <d+g :Outline042_4  ( 2(f fF NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline042_5   /%S S F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline042_6   /%@ @ F NV^ / IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline042_7   /%, , F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline042_8  N ," NV^ , IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline042_9   ,"  NV^ , IS 23  ..  5+> >F NV^ 5   IS < :Outline043_1  b 5+ F NV^ 5 IS A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline043_2  N 5+ F NV^ 5 IS A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline043_3  ; 2(z zF NV^ 2 IS A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline043_4  ( 2(f fF NV^ 2 IS A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline043_5   /%S S F NV^ / IS A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline043_6   /%@ @ F NV^ / IS A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline043_7   /%, , F NV^ / IS A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline043_8   ,"  NV^ , IS A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  5+> >F NV^ 5   IS < :Outline043_9   ,"  NV^ , IS A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  5+> >F NV^ 5   IS <d+g :Outline044_1  X 2( F NV^ 2 IS 23  ..  5+> >F NV^ 5   IS <a+g :Outline044_2   /% F NV^ / IS 23  ..  5+> >F NV^ 5   IS <^+g :Outline044_3 j  ,"F F NV^ , IS 23  ..  5+> >F NV^ 5 j  IS <[+g :Outline044_4  ` ) NV^ ) IS 23  ..  5+> >F NV^ 5   IS <X+g :Outline044_5   &NV^ & IS 23  ..  5+> >F NV^ 5   IS <U+g :Outline044_6 j  #NNV^ # IS 23  ..  5+> >F NV^ 5 j  IS <R+g :Outline044_7  h  V^  IS 23  ..  5+> >F NV^ 5   IS <O+g :Outline044_8   V^  IS 23  ..  5+> >F NV^ 5   IS <L+g :Outline044_9 j  VV^  IS 23  ..  5+> >F NV^ 5 j  IS 1.a.1.a. 35;AGMSY_5a.1.a.1.a.1.a.1.qa.VWXYZ[\] 35;AGMSY_6a.1.a.1.a.1.a.1.s^a. 35;AGMSY_7a.1.a.1.a.1.a.1.ua. 35;AGMSY_8a.1.a.1.a.1.a.1.wa. 35;AGMSY_9a.1.a.1.a.1.a.1.ya.RSTUVWXY 57=AGMSY_101.-1.a.1.a.1.a.{Z1.qrstuvwx 57=AGMSY_111.-1.a.1.a.1.a.}y1. 57=AGMSY_121.-1.a.1.a.1.a.1. 57=CIOU[a131.a.1.a.1.a.1.a.1.hijklmno 57=CIOU[a14a)a.i.1.a.i.1.a.pi.[ [d(\ Y`Symbol\  `&Times New Roman b+A`Calibri $Tahoma93CIOU[agmLettersA.A.A.A.A.A.A.A.A.S4O37;CO_s11.11.1.11.1.1.11.1.1.1.11.1.1.1.1.11.1.1.1.1.1.11.1.1.1.1.1.1.11.1.1.1.1.1.1.1.1(:$24O  0  3  0  !ISUS.,,,..TRW6&A4X3' Letter 6&A43'LetterTXXXXTRW6&A4W6&A4 6&A4 6&A4T ? XX-?vbX-#ggdd  8dd8ISIS,.      _ _ikmo(03q57 Xingskjal1605"849.ml.     Frumvarptillaga T, #i#XXumbreytingulgumumhsnWisml,nr.44/1998,  f meWsWaribreytingum(stefnum;tunsviWihsnWismla x P ogbreytinghlutverki0bWalnasj;Ws). b : #XX# H(LagtfyrirAlYingi145.lggjafarYingi2015!2016.)     O'    ?U?' b dE" ? O'    L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M    L  M  L  M  1.gr. {S      OrWin?meWlnveitingumogskipulagihsnWismla 1.gr.lagannafallabrott. F L  M  L  M    2.gr.  %  EftirfarandibreytingarverWa2.gr.laganna:   (g00_ikmo"i(m"  L  M  L  M  i(m&2  a  .3  Ԉ0    0staWorWsins?veitir orWskUringunumL  M  ?Almennln L  M  ogL  M  ?L  M  ViWb;tarlnL  M  L  M  Ԁkemur:hefur rJ veitt.L  M  i(m&:'݌= Ќ  "i(m"  i(m)2  b  .3  Ԉ0    L  M  L  M  ViWbtastYrjrnUjarorWskUringar,viWeigandistafr;fsrW,erorWastsvo:L  M  i(m)C)݌ Ќ  "m"  m*0  0xx 2  1  .3  Ԉ0v  L  M  L  M  AlmennarbWirL  M  ԀmerkjabWarhsnWisemhlotiWhefurstofnframlaggrundvelli  lagaumalmennarbWirogereiguaWilaskv.1.og2.mgr.10.gr.Yeirralagaoger v tlaWtilleiguviWrWanleguverWitilleigjendasemeruundirtekjuog_eignaL  M  L  M  mrk iA um_ԀsemkveWinerumeWlgum.L  M  m**݌4 vv Ќ  "m"  m-0  0xx 2g  2  .3  Ԉ0v  L  M  SrtklnL  M  Ԁerulnsem0bWalnasj;Wurveitireinstaklingumtilkaupa,byggingareWa  endurb;tabWarhsnWigegnafhendingu0LSveWbrfsYegarumskjandisUnir  framaWhannfiekkilnvegnafasteignarinnarhjfjrmlafyrirtki,t.d.L  M  ԀL  M  vegna m staWsetningar_fasteignarinnar_.L  M  m--݌`8vv Ќ  "m"  m00  0xx 2g  3  .3  Ԉ0v  L  M  L  M  _Stofnframlg_L  M  Ԁmerkjaframlgrkisogsveitarflagasemveitterugrundvellilagaum +  almennarbWirtilkaupaeWabyggingaralmennumbWum.m00݌!vv Ќ  L  M    3.gr.  d# 2  1.mlsl.1.mgr.4.gr.lagannafellurbrott. W!/$ L  M  L  M    4.gr. "& 3  ViW5.gr.lagannabtistnUrmlsliWurerorWastsvo:Jafnframtfersveitarstj;rnmeWstj;rn #' ogsamrminguhsnWismlavegumsveitarflagsins.L  M   $[ (  L  M   N%&!) &   L  M  L  M    5.gr. ( 75  6.gr.lagannaorWastsvo,samtfyrirsgn:    Framkvmdverkefnasveitarflaga.L  M    5  Sveitarstj;rnerheimiltaWfelasrstakrihsnWisnefndeWaannarrinefndvegumsveitar a flagsinsstj;rnogframkvmdhsnWismlavegumsveitarflagsins. T, '(4  L  M  L  M  L  M    6.gr.  m7  0upphafiIII.kaflalagannakemurnUgrein,6.gr.a,L  M  ԀL  M  erorWastsvo,samtfyrirsgn:   L  M  L  M    Hlutverk0bWalnasj;Ws.  X t8  Hlutverk0bWalnasj;Wserm.a.: K #  ! ! q(#30"i(m"  L  M  i(m92#  1  .3  Ԉ0    AWvinnaaWstefnum;tunsviWihsnWismlaogverarWherratilrWgjafarumm;tun    _hsnWisstefnu_.i(m9:݌   Ќ  "i(m"  i(mb;2#  2  .3  Ԉ0    L  M  AWbeitasrfyrirYvaWgerWarverWiranns;knirsviWihsnWismlaogkoma   framfriviWalmenningupplUsingumervarWahsnWisml.i(mb;;݌wO  Ќ  "i(m"  i(m=2#  3  .3  Ԉ0    L  M  AWannastsfnun,rvinnsluogtgfuupplUsingasviWihsnWismlaogmetaYrf B  _bseturrWum_.i(m=@=݌   Ќ  "i(m"  i(m>2#  4  .3  Ԉ0    L  M  AWhaldautanum_hsnWistlanir_Ԁsveitarflaga.i(m>>݌  Ќ  "i(m"  i(m?2#  5  .3  Ԉ0    L  M  AWannastveitingu_stofnframlaga_ԀsamrmiviWkvWilagaL  M  umalmennarbWirL  M  .i(m?@݌{  Ќ  "i(m"  i(mA2#  6  .3  Ԉ0    L  M  AWannastlnveitingartilsveitarflaga,flagaogflagasamtakatilbyggingareWakaupa nF leiguhsnWisemleigtertn_hagnaWarkrfu_.i(mAA݌9 Ќ  "i(m"  i(m>C2#  7  .3  Ԉ0    L  M  AWannastlnveitingarsamrmiL  M  viWkvWilagaYessaraL  M  ԀogL  M  ԀsiL  M  nnaL  M  viWskiptummeW  skulL  M  dabrfsemsj;WurinngefurtL  M  ԀsamrmiL  M  viWkvWilagaYessaraL  M  .L  M  i(m>CkC݌ Ќ  "i(m"  i(mE2#  8  .3  Ԉ0    L  M  AWhafaumsj;nmeWeignumogskuldumsj;Wsins,fjrhag,rekstriogannarristarfsemi r oggtaYessaWsj;WurinnstarfisamrmiviWgildandilgogreglugerWir.i(mEE݌e= Ќ  "i(m"  i(mG2#  9  .3  Ԉ0    L  M  L  M  AWgerafjrhagstlunfyrirsj;WinnsamrmiviWkvWifjrlagaYarsemframkomi 0 _sundurliWaWur_ԀtlaWurrekstrarkostnaWur.L  M  i(mGG݌ Ќ  "i(m "  i(mmI222#  10  .3  Ԉ0    L  M  AWleigjaeWafelaWrumaWannast_leigumiWlun_ԀmeWbWarhsnWisem0bWalnasj;Wur  hefur_yfirtekiW_ԀnauWungarsluogaWeiga_leiguflag_ԀmeWbWarhsnWisemsj;Wurinn i hefur_yfirtekiW_ԀnauWungarslu.i(mmII݌\4 Ќ  "i(m "  i(mL222#  11  .3  Ԉ0    L  M  AWL  M  vinnannurverkefnisamrmiviWmarkmiWlagaL  M  ԀYessaraL  M  Ԁsamkvmtnnari ' kvrWL  M  L  M  unrWherra.L  M  i(mL@L݌ Ќ  L    M  0bWalnasj;WurgeturkallaWeftirggnumogfrekarivinnslugagnafrHagstofu0slands  ogXj;Wskr0slandsvegnaverkefnasinnaskv.1.mgr. `    TryggjaskalskUran_b;khaldslegan_Ԁog_skipulagslegan_ԀaWskilnaWmilliYeirrarstarfsemi S+! sj;WsinssemlUturaWveitingu_stofnframlaga_ԀognUrralnaannarsvegaroghinsvegar " umsUslumeWeignaog_skuldasafn_Ԁsj;Wsinsvegnastarfsemisj;Wsinsfyrirgildistkulaga # Yessara.RWherraseturmeWreglugerWnnarikvWiumstarfsemisj;Wsinssamkvmt  $ Yessarigrein. !W% L  M  L  M  L  M    7.gr. #' Q  9.gr.lagannafellurbrott. #( L  M  L  M    8.gr. v%N!* oR  ViW10.gr.lagannabtistnUrtluliWurerorWastsvo:MeWframlgumL  M  rrkissj;Wisam A&"+ kvmtfjrlgumhverjusinni.L  M    '",  '#- &  L  M  L  M    9.gr. ( S  12.gr.lagannaorWastsvo:'(S  L  M    Forstj;riannastdaglegastj;rnunstarfsemL  M  iogrekstristofnunarinnar.L  M  Forstj;rirWur  starfsmennstofnunarinnar.L  M   a   L  M  L  M    10.L  M  grL  M  .L  M    U  13.gr.lagannaorWastsvo,samtfyrirsgn:  L  M  L  M    Stj;rnskipulag.   V  Sveitarstj;rnberbyrgWframkvmdverkefnasamkvmtYessumkaflainnanmarka  X sveitarflagsins.XarsemlegaatvinnusvWiseWaaWrarhliWstWaraWstWurkallasam K #  hfingusveitarflaga,m.a.umYarfagreininguogtlanagerW,skalnUtasvWisskipulag,eWa    annansamstarfsvettvangsemsveitarflgkj;sa,tilsamrWs.UmsamstarfsveitarflagaaW    WruleytigildakvWi_sveitarstj;rnarlaga_.     Sveitarstj;rngetur,samrmiviWkvWisveitarstj;rnarlaga,faliWfastanefndsnum wO  vegumaWannaststj;rnogframkvmdhsnWismlavegumsveitarflagsins.Sveitarstj;rn B  erjafnframtheimiltaWfelasrstakrihsnWisnefndaWannastYessiverkefni.L  M      L  M  L  M  L  M    11.gr. {  Z  EftirfarandibreytingarverWa14.gr.lagannaL  M  : nF ! ! (g03 q"i(m"  L  M  L  M  i(m.\2g  a  .3  Ԉ0    _InngangsmlsliWur_L  M  Ԁ1.mgr.orWastsvo:HelstuverkefnisveitarflagssviWihsL  M  L  M  ԂnWis 9 L  M  L  M  mlaeru.L  M  i(m.\\݌ Ќ  "i(m"  i(mJ^2g  b  .3  Ԉ0    L  M  0staW1.og2.tlul.1.mgr.komafimmnUirtluliWir,svohlj;Wandi:i(mJ^w^݌ Ќ  "m"  m_0  0xx 2g  1  .3  Ԉ0v  L  M  L  M  AWgreinameWreglubundnumhtti,svosemtengslumviWgerWaWalskipulags, r YarfirfyrirbWarhsnWisveitarflaginumeWtillititilmismunandi_bsetuforma_.m__݌e=vv Ќ  "m"  ma0  0xx 2g  2  .3  Ԉ0v  L  M  AWgeratlanirtilfjgurrarafyrirsveitarflagiWumYaWhvernigYrfumfyrir 0 bWarhsnWisveitarflaginuverWimtt.maa݌vv Ќ  "m"  msc0  0xx 2g  3  .3  Ԉ0v  L  M  AWtakaafstWutilendurskoWunartlunummeWtillititilniWurstWu_Yarfagrein  ingar_.mscc݌ivv Ќ  "m"  m/e0  0xx 2g  4  .3  Ԉ0v  L  M  AWhafamillignguumogeigafrumkvWiaWYvaWaflaWverWihsnWisogaWstoWa \4 einstaklingaviW_hsnWisflun_.m/e\e݌'vv Ќ  "m"  mg0  0xx 2g  5  .3  Ԉ0v  L  M  L  M  AWannastveitingustofnframlagasveitarflagasamrmiviWkvWilaga.L  M  mg=g݌vv Ќ  "i(m"  i(mh2g  c  .3  Ԉ0    L  M  L  M  2.mgr.orWastsvo:i(mhh݌ Ќ  0  0  UmmeWferWhsnWismlagildaverklagsreglursemsveitarstj;rnirsetjaogbirtavef `  sveitarflagsins.SveitarflagbirtireinnigrlegaskUrsluumframkvmdtlanaskv. S+! 2.tlul.1.mgr." "i(m"  i(mj2g  d  .3  Ԉ0    L  M  L  M  L  M  0staWorWL  M  annaL  M  Ԁ?HsnWisnefnd L  M  Ԁog?hn L  M  L  M  1.mlsl.3.mgr.kemur:Sveitarflagi;L  M  L  M  ogL  M  :L  M   # YaW.i(mj)k݌ $ Ќ  "i(m"  i(m`m2g  e  .3  Ԉ0    L  M  0staWorWsinsL  M  L  M  ?hsnWisnefnd 2.mlsl.3.mgr.L  M  kemur:L  M  sveitarflag.i(m`mm݌!W% Ќ  L  M  L  M    12.gr. #' (o  FyrirsgnIV.kaflalagannaverWur:L  M  VerkefnisveitarflagasviWihsnWismla L  M  . #(  L  M   $ ) &   L  M  L  M    13.gr. ( yp  eftirIV.kaflalagannakemurnUrkafli,IV.kafliA,L  M  Stefnum;tunsviWihsnWis  mlaoghsnWistlanir, L  M  meWtveimurnUjumgreinum,14.gr.aog14.gr.b,samtfyrir  sgnum,svohlj;Wandi: a Ѐ  a.(14.gr.a.)  '(;pL  M  L  M    _HsnWisYing_.L  M    xr  RWherraskalboWatil_hsnWisYings_ԀinnanrsfralYingiskosningumogafturaWtveimur   rumliWnum.  X   L  M  _hsnWisYingi_ԀskalfjallaumhsnWismlogleggurrWherraframskUrsluumstWu K #  ogYr;unhsnWismlaviWupphafYingsins.nnurverkefniYingsinskveWurrWherra    hverjusinni.      _HsnWisYing_ԀerllumopiWogtilYessskalm.a.boWaalYingismenn,fulltra0bWalna   sj;WsogfulltrasveitarflagaogvinnumarkaWarins. wO  L  M    SetaYinginuer;launuWenannarnauWsynlegurkostnaWurafYinghaldinugreiWistr B  rkissj;WisamkvL  M  mtkvrWunrWherra.L  M      L  M    b.(14.gr.b.) {  L  M    Xingslyktunumstefnum;tunsviWihsnWismla. nF w  L  M  RWherraL  M  ԀleggurfyrirAlYingi,innanrsfralYingiskosningum,tillL  M  gutilYingslyktunar 9 umstefnum;tunsviWihsnWismlatilfjgurrarasenn.ViWgerWtillgunnarskalm.a.  hfWhliWsj;nafupplUsingumsviWihsnWismlasem0bWalnasj;WurhefursafnaWog  hsnWistlunumsveitarflagaogupplUsingumumframkvmdYeirra.L  M  Ennfremurskal r hfL  M  WhliWsj;nafumrWumhsnWisYingiL  M  .XingslyktunumL  M  stefnum;tunsviWi e= hsnWismlaskalfelasrverkefnisemtlaWeraWtryggjalandsmnnumruggthsnWi. 0   L  M  14.gr.  L  M      EftirfarandibreytingarverWa15.gr.laganna: i ! ! (g00"i(m"  L  M  i(m|2g  a  .3  Ԉ0    0staWorWsins?L  M  AlmennL  M  1.tlul.1.mgr.kemur:L  M  SrtkL  M  .i(m|}݌\4 Ќ  "i(m"  i(mn~2g  b  .3  Ԉ0    L  M  2.tlul.1.mgr.orWastsvo:L  M  LntilsveitarflagaeWaannarraaWilaL  M  ԀtilbyggingarL  M  ,L  M  kaupaL  M   ' eWaendurb;taL  M  ԀstofnunumsamkvmtlgumummlefnialdraWra,vistL  M  L  M  heimL  M  L  M  iL  M  lumL  M  Ԁfyrir  brnogunglingaeWaL  M  WrumL  M  ԀYj;nustustofnL  M  unumog_hsnWisrrWum_L  M  Ԁlgumsam  kvmt.i(mn~~݌`  Ќ  "i(m"  i(m"2g  c  .3  Ԉ0    L  M  0staWorWanna?byggingareWakaupa 3.tlul.1.mgr.kemur:byggingar,kaupaeWa S+! endurb;ta.i(m"O݌" Ќ  L  M    L  M  15.gr.  $     L  M  16.gr.lagannafellurbrott. !W% L  M    16.gr. #'     18.gr.lagannaorWastsvo,samtfyrirsgn: #( L  M    SkilyrWifyrirlnveitingu. $ )   L  M  L  M  0bWalnasj;WierheimiltaWveitaeinstaklingumlntilL  M  kaupa,byggingareWaendurL  M  L  M  b;ta v%N!* bWarhsnL  M  Wi. A&"+   SkilyrWiYessaW0bWalnasj;WursamYykkilnveitingutilumskjandaeraWL  M  ԀuL  M  mskjandi  '", sUniL  M  ԀframaWhannfiekkilnL  M  sttanlegumkjrumL  M  vegnafasteignarhjfjrL  M  L  M  mlaL  M  L  M  fyrir '#- tkiL  M  ,svosemL  M  ԀvegnastaWsetningar_fasteignarinnar_ԀeWaafWrumstWumL  M  .Einnigskulu ( uppfylltskilyrWium_veWhfni_Ԁ_fasteignar_Ԁog_greiWslugetu_Ԁskuldara,sbr._viWmiWunarreglur_Ԁsem  stj;rnsj;Wsinssetur.    RWherraseturmeWreglugerWnnarireglurumskilyrWifyrirveitingusrtkralna. a   L  M  17.gr.  L  M      EftirfarandibreytingarverWa21.gr.laganna:  ! ! (g00"i(m"  L  M  L  M  i(m2g  a  .3  Ԉ0    0staWorWsins?almenL  M  nra 1.mgr.kemur:srtkra.i(mh݌  Ќ  "i(m"  i(mn2g  b  .3  Ԉ0    L  M  L  M  ViW3.mgr.btistnUrmlsliWurerorWastsvo:Stj;rn0bWalnasj;WskvarWarvexti_0LS_Ԅ  X veWbrfavegnasrtkralnameWhliWsj;naf_markaWsvxtum_Ԁtgefnum_srL  M  L  M  tryggWum_ K #  skuldabrfumaWviWbttu_vaxtalagi_Ԁskv.28.gr.i(mn݌   Ќ  L  M    18.gr.   L  M      FyrirsgnVI.kaflalagannaverWur:L  M  Srtklntileinstaklinga.L  M   wO   L  M    L  M  19.gr.      L  M    L  M  0staWorWanna?byggingareWakaupaleigubWa 33.gr.lagannakemur:byggingar,   kaupaeWaendurb;taleigubWum. {    L  M  20.gr. 9     ViW39.gr.lagannabtistnUmlsgreinerorWastsvo:    kvWiYettaY;ekkiviWumleigubWirsemfengiWhafa_stofnframlag_Ԁgrundvellilaga  umalmennarbWir. r   L  M  L  M  21.gr. 0 L  M      OrWiW?_hsnWisnefndar_ 42.gr.lagannafellurbrott.    L  M  L  M  22.gr. i   L  M  L  M    EftirfarandibreytingarverWa47.gr.laganna: \4  (g00"i(m"  L  M  L  M  i(ml2g  a  .3  Ԉ0    0staWorWanna?Stj;rn0bWalnasj;WserheimiltL  M  ԀL  M  aWafskrifatistandandi_veWkrfur_ ' sj;WsL  M  L  M  insL  M  L  M  1.mgr.L  M  kemur:HeimilterL  M  ԀL  M  aWafskrifatistandandi_veWkrfur_ԀL  M  0bWalnaL  M  sj;WsL  M  .L  M  i(ml݌ Ќ  "i(m"  i(m2g  b  .3  Ԉ0    L  M  L  M  0staWorWanna?Stj;rn0bWalnasj;WsereinnigheimiltL  M  ԀL  M  aWafskrifatistandandi_veWL  M  L  M  Ԃkrf  ur_Ԁsj;WsinsL  M  L  M  1.mlsl.L  M  2.mgr.kemur:EinnigerheimiltL  M  ԀaWafskrifatistandandi_veWkrf `  ur_Ԁ0bWalnasj;WsL  M  .L  M  i(mޙ݌S+! Ќ  "i(m"  i(m2g  c  .3  Ԉ0    L  M  L  M  eftirorWunum?tileinstaklinga 2.mlsl.3.mgr.kemur:sbr.kvWilaganr. " 101/2010,umgreiWsluaWlguneinstaklinga.L  M  i(m݌# Ќ  "i(m"  i(m2g  d  .3  Ԉ0    L  M  L  M  0staWorWanna?Stj;rn0bWalnasj;Wserheimilt og?sj;Wsins 1.mlsl.4.mgr.kemur:  $ Heimilter;ogL  M  :0bWalnasj;Ws.L  M  i(m֞݌!W% Ќ  "i(m"  i(m2g  e  .3  Ԉ0    L  M  0staWorWanna?L  M  Stj;rn0bWalnasj;WserheimiltL  M  og?sj;Winn 1.mlsl.5.mgr.og1. J""& mlsl.6.mgr.kemur:Heimilter;og:0bWalnasj;W.i(mƠ݌#' Ќ  "i(m"  i(m2g  f  .3  Ԉ0    L  M  L  M  0staWorWanna?stj;rn0bWalnasj;Ws og?stj;rnin 2.mlsl.6.mgr.kemur:0bWa #( L  M  L  M  lnasj;Wur;og:sj;Wurinn.i(m݌$ ) Ќ  "i(m"  i(ms2g  g  .3  Ԉ0    L  M  L  M  undanorWunum?YessrWuneytis 2.mlsl.6.mgr.kemur:og;ogorWinL  M  Ԁ?ogRkis v%N!* endurskoWunar L  M  samamlsliWL  M  Ԁfallabrott.i(ms݌A&"+   L  M    '", _  L  M  & a  23.gr. (   L  M  L  M    EftirfarandibreytingarverWa48.gr.laganna:  'a(˦! !"i(m"  L  M  i(m2g  a  .3  Ԉ0    1.mgr.orWastsvo:i(m݌ Ќ  0  0  L  M  HeimilteraW_skuldbreyta_ԀvanskilumlnumsemveitthafaveriWeinstaklingumYv a skyniaWleysartmabundnumgreiWsluerfiWleikumhj_lnYegum_ԀmeWYvaWveita T, _skuldbreytingaL  M  rL  M  ln_ԀtilalltaW30raeWaleggjavanskilviWhfuWst;lskuldarinnar.Einnig  erheimiltaWveitalntakendumlnatilbyggingareWakaupaleiguhsnWi,semog  _lnYegum_ԀeldrileigubWalnasem0bWalnasj;WurhefuryfirtekiW,lntilskuldL  M  L  M  breyt   ingarvanskilumtilalltaW30raYvskyniaWleysartmabundnumgreiWsluL  M  L  M  erfiW  X leikum.K #  "i(m"  i(m2g  b  .3  Ԉ0    L  M  L  M  1.mlsl.2.mgr.orWastsvo:HeimilteraWfrestagreiWslumL  M  hjL  M  einstaklingumL  M  ԀalltaW    YrjrogL  M  leggjaYrgreiWslurL  M  viWhfuWst;lskuldarinnar,endaYykislkaWstoWlkleg    tilaWleysaeWakomavegfyrirgreiWsluvanda.i(m&݌  Ќ  "i(m"  i(m2g  c  .3  Ԉ0    L  M  L  M  OrWinL  M  Ԁ?stj;rn0bWalnasj;Ws 4.mlsl.2.mgr.L  M  fallabrottL  M  .i(mɯ݌wO  Ќ  "i(m"  i(m22g  d  .3  Ԉ0    L  M  1.mlsl.4.mgr.orWastsvo:HeimilteraWlengjaupphafleganlnstmalnasj;Wsinshj B  hverjumlntakaumalltaW30r.i(m2_݌   Ќ  "i(m"  i(m2g  e  .3  Ԉ0    L  M  0staWorWanna?Stj;rn0bWalnasj;Wserheimilt 6.L  M  og7.L  M  mgr.kemur:Heimilter.i(m݌  Ќ  "i(m"  i(mJ2g  f  .3  Ԉ0    L  M  eftirorWunum?nnarireglurum 8.mgr.kemur:skilyrWifyrirbeitingurrWaog.i(mJw݌{  Ќ    L  M  24.gr. 9  @ L  M      49.gr.lagannaorWastsvo:    Stj;rn0bWalnasj;WserheimiltaWinnheimtagjldfyrirveittaYj;nustu.Gjaldtakaskal  aldreiverahrrienkostnaWursemhlUstafYvaWveitaYj;nustuna.HeimilteraWdreifa r kostnaWiskuldaraYannigaWbsetahafiekkihrifkostnaWinn. e=   L  M  25.gr.   @   L  M  L  M    kvWitilbrWabirgWaIXlgunumfellurbrott.  L  M    L  M  26.gr. \4  @ L  M      LgYessiWlastYegargildi. '   L  M  kvWitilbrWabirgWa.    @ L  M    TilaWstuWlaaWjafnvgimilliinnogtgreiWslnahj0bWalnasj;Wi,sbr.3.mgr.11.L  M  ԀL  M  gr.L  M   `  lagannaL  M  ,ogdragaYannigrhttusj;WsinsvegnauppgreiWslnaer0bWalnasj;WiheimiltaW S+! bregWastviWuppgreiWsluYegarveittralnameWYvaWveitalnskv.VI.eWaVIII.kafla " L  M  lagannaL  M  tilendurfjrmgnunarlnahjsj;WnumsemveittvorufyrirgildistkulagaYessara.L  M   # L  M  #dgg  AthugasemdirviWlagafrumvarpYetta.#ggd !W%    L  M  I.Inngangur.  J""&   L  M  L  M  FlagsoghsnWismlarWherraskipaWi9.september2013verkefnisstj;rnumframtWar #' skipanhsnWismlameWvsuntilYingslyktunarnr.1/142,umaWgerWirvegnaskuldavanda #( heimila0slandi(9.ml142.lggjafarYingi),semsamYykktvarAlYingi28.jn2013. $ ) 0L  M  athugasemdumviWYingslyktunartillgunaL  M  Ԁkomm.a.framaWeftirfarandivrilagttil: v%N!* ?Verkefnisstj;rnverWifaliWaWkomameWtillguraW_framtWarstefnu_ԀhsnWismlum.X A&"+ verWihennifaliWaWkomameWtillguraWnUju_hsnWislnakerfi_,m.a.meWYaWhugaaW  '", tryggjavirkan_leigumarkaW_ԀogskilvirkflagslegrrWifyrirYsemslktYurfa. Enn_fremur '#- skipaWirWherra_samvinnuh;p_ԀmeWfulltrum32hagsmunaaWilasemfaliWvaraWvera_verk ( efnisstj;rninni_ԀtilrWgjafar.    L  M  Verkefnisstj;rnumframtWarskipanhsnWismlaskilaWitillgumsnumtilflagsog  hsnWismlarWherrama2014.0L  M  skUrslunefndarinnarL  M  varm.a.fjallaWumhlutverk a stj;rnvaldaviWveitinguYj;nustualmannaYgu_hsnWislnamarkaWi_.L  M  Ԁ0kjlfariWvarhafist T, handaviWaWtfrannartillgur_verkefnisstj;rnarinnar_,m.a.umhvernigstj;rnvldgtu  settframogkynnt_hsnWisstefnu_ԀsnameWheildstWumhttimeWaWkomuAlYingis,  sveitarflagaoghagsmunaaWila,hvernigmttifinnaframkvmd_hsnWisstefnu_Ԁstj;rnvalda   traustanfarvegtilframtWarogafmarkaennfrekarstarfsemi0bWalnasj;Wsvaranlegan  X mtaviWflagslegthlutverkoglnveitingarYarsemL  M  _markaWsbrestur_Ԁvrifyrirhendi.Var K #  benthlutverknorska_Hsbankans_Ԁ(no.L  M  _Husbanken_L  M  )semhugsanlegafyrirmynd.      & X XskilaWistarfsh;purumframtWarhorfurogframtWarhlutverk0bWalnasj;Ws,sem    skipaWurvaraffjrmlaogefnahagsrWherra13.september2012,skUrsluaprl2013og   varhnm.a.hfWtilhliWsj;narviWvinnu_verkefnisstj;rnarinnar_.XarkomaframYrtillgur wO  aWmarkmiWsj;WsinsskuliveratvYtt,annarsvegaraWsinna_Yj;nustuhlutverki_Ԁ B  alL  M  L  M  mannaL  M  L  M  Ygu,m.a.meWYvaWlnatileignaundirskilgreindum_verWmrkum_Ԁogannast    lnveitingartilsveitarflaga,flagL  M  aL  M  ԀogflagasamtakasemhafaYaWaW_langtmamarkmiWi_ԀaW   leigjahsL  M  L  M  nWi_viWrWanlegum_Ԁkjrumn_hagnaWarkvaWar_ԀoghinsvegaraWveratiltaksviW {  _markaWsL  M  L  M  brest_,hvortsemeralmennteWaeinstL  M  kumL  M  ԀsvWum.'X i nF   L  M  &  L  M  II.TilefniognauWsynlagasetningar.       L  M  L  M  undanfrnumrumhefurgttaukinnargagnrUniYaWfyrirkomulagaWhiWopinbera  salmennumlnamarkaWi.XannighefurEftirlitsstofnunEFTA(ESA)tekiWstarfsemi r 0bWL  M  alnasj;WstilskoWunaroggertL  M  ԀUmsarathugasemdirviWstarfsemihanssemleiddutil e= YessaWgerWarvorubreytingarsj;WnumtilaWstarfsemihanssamrUmdist_rkisstyrkjaL  M  L  M  reglum_ 0 EESL  M  ԄL  M  samningsins.L  M  MeWlgumnr.84/2012vorugerWarbreytingarlgumumhsnWisml  semmiWuWuaWYvaWkomatilm;tsviWtilmliEftirlitsstofnunarEFTAL  M  kjlfarL  M  Yeirrar  niWurstWuL  M  ԀstofnunarinnaraW0bWalnasj;Wurnyti_rkisaWstoWar_L  M  .NL  M  auWsynlegtY;ttiaW i afmarka_rkisaWstoWina_ԀviWYstarfsemisj;Wsinssemtaldistflagsleg,enYvgatm.a.falist \4 aWbindahanaviWtiltekna_lnaflokka_ԀsemhafaflagslegviWmiWogeruformlegaafmarkaWir ' semslkir.meWalYeirrabreytingaL  M  semgerWarvoruvarL  M  nUttkvWiL  M  Yarsemsettvarhmark  fasteignamatYesshsnWissemsj;WnumvarheimiltaWlnatileinstaklingatilkaupaeWa  byggingar.AWsamaskapivorufelldarniWurheimildirsj;WsinstilaWveitaalmenn `  _leigubWaln_ԀogheimildirtilaWlna_byggingarverktkum_ԀeWaWrumlgaWilumsemreknir S+! voru_hagnaWarskyni_.XvorusettinnkvWium_hmarksstrW_ԀoghmarksverWleigubWa " semlnaWertil.L  M  ' J #   L  M  MarkmiWfrumvarpsinseraWfinnahlutverkistj;rnvaldaviWveitinguYj;nustu  $ almannaYgu_hsnWismarkaWi_ԀtraustanfarvegtilframtWar.LagtertilaWstj;rnvldsetji !W% framogkynniheildstWa_hsnWisstefnu_ԀmeWaWkomuAlYingisogaWhlutverksveitarflaga J""& viWm;tun_hsnWisstefnu_ԀsskUrtogefltogaWkomahagsmunaaWilatryggWmeWtilkomu #' _hsnWisYings_.Framkvmd_hsnWisstefnu_Ԁstj;rnvaldaerfundinntrausturfarvegurmeWYv #( aWL  M  skerpaL  M  ԀL  M  Yvmeginhlutverki0bWalnasj;WsaWvinnaaWstefnum;tunsviWihsnWismla $ ) ogverarWherratilrWgjafarviWm;tun_hsnWisstefnu_,vinnaaWupplUsingaflunum v%N!* _hsnWismarkaWinn_ԀogstyWjaviWsveitarflgviWgerWogframkvmd_hsnWistlana_ A&"+ Yeirra.Eittafmeginhlutverkumsj;WsinsverWuraWthlutasvoklluWumL  M  _stofnframlgum_L  M  Ԁsem  '", tluWerutilaWstyWjaviWuppbygginguL  M  leiguL  M  hsnWisfyrireinstaklingasemeruundir '#- _tilteknumtekjuogeignamrkumL  M  Ԁogsinnasrtkumlnveitingumflagslegumforsendum ( vegnamarkaWsbrests,hvortsemeralmennteWaeinstkumsvWumL  M  .L  M      L  M  XermikilvgtaWskiljaskUrtmilliYeirrarstarfsemisemsj;WurinnhefurhaftmeW  hndumogYessflagslegahlutverkssemhonumertlaWmeWfrumvarpiYessuognYannig a YvmarkmiWisemhefurveriWstefntaWmeWfyrriaWgerWum,nnartiltekiWaWtakmarka T, httu0bWalnasj;Wsogrkisinsvegnafyrriskuldbindinga.L  M  stWaYessaWmikilvgter  aWtryggjaskUranaWskilnaWmillieldralnasafnssj;WsinsognUrraverkefnaerm.a.Yr  krfursemgerWareruvegnarkisstyrkjareglnaEESsamningsinsogkomaframlitiESA   mlisemvarWaWiHrpuograkiWerIV.kaflahraWframan.XvarviWvinnslu  X frumvarpsinsfundaWmeWSeWlabanka0slandsogFjrmlaeftirlitinuogdrgYesssendYeim K #  tilumsagnar,m.a.tilaWfYeirralitYeimbreytingumsemverWarekstrisj;Wsins.0    umsgnSeWlabanka0slandskemurm.a.framaWYaWverkefniaWleysafortWarvandasj;Wsins    ogdragasamanefnahagsreikninghansYannigaWtaprkissj;WsverWisemminnstseWlis;lkt   YeirristarfsemisemboWuWsmeWfrumvarpiYessu.HttasaWfjrmgnunsj;WsinsverWi wO  ;gegnsefekkiverWiskiliWaWfullumillinUrrarlnastarfsemiogYessverkefnisaWlgmarka B  tapaffyrrilnastarfsemi.TilaWtryggjaYennanaWskilnaWverkiYurfiaWverWa    b;khaldslegurogstj;rnunarleguraWskilnaWurmillihsnWislnaflagslegumgrunniog   YessaWvindaofanafeldristarfsemisj;Wsins.XaWmttigerameWYvaWkomaf;tnUrri {  stofnunengrundvellisj;narmiWaumhagkvmniogsamreksturinnviWamttieinnigstuWla nF aWdeildarskiptingustofnunarsemnverandi0bWalnasj;WuryrWihlutiafenb;khaldslegur 9 aWskilnaWurvriskUr.    0umsgnFjrmlaeftirlitsinskemurframmikilvgiYessaWnifrumvarpiWframaWganga  og0bWalnasj;WiverWifaliWaWveitasrtklnberiaWaWskiljaYstarfsemiskUrtfr r nverandistarfsemisj;Wsins.MikilvgtsaWeinnigverWiumaWrWastj;rnunarlegan e= aWskilnaWtilaWtryggjaaWskiptingkostnaWarviWrekstureiningannaverWiekki;gagnsrog 0 bj;WiheimhttunniaWfjrhagslegirhagsmunireldristarfsemi0bWalnasj;WsblandistviW  hinanUjustarfsemiogfjrmunirsj;WsinsverWiYannigframbundnirhttusmumog  ;hagstWumlnum.FjrmlaeftirlitiWleggurYvmiklahersluaWaWskilnaWurverWimilli i rekstrareiningannaogaWtryggtverWi,komitilYessaWlausafgamlasj;WsinsverWilnaWtil \4 flagslegraverkefna,aWferliWverWigagnsttogverWlagningsamrmiviWYhttusem ' felstlnveitingumnUjasj;Wsins.L  M      L  M  LeitaWvartilendurskoWenda0bWalnasj;WsL  M  ,L  M  ԀGrantThorntonL  M  ,L  M  ԀumhvernigeWlilegtvri  aWframkvmab;khaldslegaL  M  nL  M  ԀaWskilnaWvegnaYessaratveggjarekstrareiningasemannast `  annarsvegarnUjarlnveitingarogL  M  haldaL  M  hinsL  M  vegarL  M  utanumnverandieignasafnog S+! skuldL  M  L  M  bindingar.L  M  B;khaldsleguraWskilnaWurfelstYvaWinnansmurekstrareiningarer " eignum,skuldum,tekjumoggjldumskiptuppeftireinstkumrekstrareiningumeftirYv # semkosturer.ErYettajafnangertmeWdeildaskiptingub;khaldiYannigaWeinstakir  $ L  M  b;khaldsL  M  liWirtilheyrakveWinnideild.HvaWtln0bWalnasj;WsvarWarmL  M  uL  M  ndiYaWYUWaaW !W% stofnayrWinUjatlnaflokkasemaWskildirL  M  vruL  M  Ԁeldritlnum.MeWYvvrihgtaWlta J""& kerfisj;WsinsaWgreinatlninmillirekstrareininga.Vaxtatekjur,lntkugjldogaWrirliWir #' semkerfisj;WsinsreiknartmL  M  uL  M  nduYannigskilasrsjlfkrafafjrhagsb;khaldiL  M  nuL  M  Ԁrttar #( deildirgrundvelliYessaratlnaflokka.L  M  LagtvartilL  M  aWL  M  sj;WurinnmL  M  uL  M  ndistofnanUtt $ ) bankanmerfyrirnUjurekstrareiningunasemaWgreinderL  M  frL  M  annarristarfsemi.MeWYessu v%N!* yrWiYessiskiptingrekstrareininga0bWalnasj;WssambrilegL  M  viWYaWsemL  M  Ԁgerterhj A&"+ viWskiptabnkumogWrumfjrmlastofnunL  M  uL  M  msemstarfrkjatib.L  M  Innlnsreikningarog  '", L  M  tlneinstakratibaviWskiptabankaogannarrafjrmlastofnanaeruaWgreind_meW '#- srL  M  L  M  stkum_bankanmerum_Ԁen_tibin_ԀeruekkisjlfstWirlgaWilarL  M  heldurL  M  Ԁrekinkennitlu ( _hfuWstWvanna_.L  M      L  M  _httustUring_Ԁsj;WsinsYyrftiaWreikna_virWisrUrnun_Ԁ_tlna_ԀniWureinstktlnYannig  aWunntL  M  vriL  M  ԀaWfrahanarttarL  M  Ԁ_rekstrareiningar_.XettagtiskapaWkveWiWflkjustigYar a sem_virWisrUrnun_ԀerjafnanreiknuWgrundvelliviWskiptamannaogekkihgtaWtilokaaW T, einstakirviWskiptamennL  M  eigiL  M  ԀtlnbWum_rekstrareiningum_.L  M  0YeimtilvikumsemnUjar  lnveitingarsjL  M  ;WsinsyrWufjrmagnaWarmeWlausafsj;WsinsYL  M  yrftiL  M  aWhugaaWinnri  fjrL  M  L  M  mgnunL  M  .XyrWinUja_rekstrareiningin_ԀraunaWtakalnfreldri_rekstrareiningunni_Ԁog   reiknaYyrftiinnrivextiL  M  Ylnveitingu.L  M  _0bWalnaj;Wur_Ԁgerirrsreikningasnasamrmi  X viWalYj;WlegareikningsskilastaWla(_IFRS_).AfYeimskumYarfaWhugaaWkrfumYeirraviW K #  gerWrsreiknings.Svoframarlegasem0bWalnasj;WurerrekinL  M  nL  M  Ԁsemeinheild,semeinn    lgaWili,verWurrekstrarogefnahagsreikningursj;Wsinsframbirtursemeinheild    rsL  M  L  M  reikningisj;Wsins.Uppgjr_rekstrareininganna_ԀyrWisettframsemskUringum_starfsYtti_   viW_rsreikninginn_.ViWframsetninguYeirrarskUringarYyrftiaWhugaaWkrfumL  M  _IFRS_Ԁ8 wO  _OpeL  M  L  M  ratL  M  L  M  ing_Ԁ_segments_ԀL  M  um_starfsYtti_.L  M  Samkvmt_IFRS_Ԁ8skalframsetning_starfsYtta_Ԁvera B  YannighttaWaWhnendurspegliYsUnsemstj;rnendurhafafjrhagsleganrangurog    skipting_starfsYtti_ԀaWendurspegla_deildaruppgjr_ԀinnriskUrslum.L  M     L  M  L  M  III.Meginefnifrumvarpsins.  nF   L  M  L  M  0frumvarpinuerL  M  uL  M  ԀfyrstalagilagWartilbreytingarlgunumsamrmiviWL  M  lgL  M  Ԁnr. 9 52/2016L  M  ,L  M  umalmennarbWirL  M  ,L  M  Ԁogbreytthlutverk0bWalnasj;Ws,m.a.vegnaYeirraverkefna  semhonumerufalinviWveitingu_stofnframlaga_ԀgrundvelliL  M  YeirraL  M  laga.    0WrulagierulagWartilbreytingarkvWumsemfjallaumhlutverksj;Wsinsog r _b;khaldslegan_ԀaWskilnaWmilliYeirraverkefnasemhannhefurhafthingaWtilogYeirra e= verkefnasemhannmunsinnaeftirgildistkufrumvarpsins,verWiYaWaWlgum.L  M  ԀL  M   0   0YriWjalagierL  M  Ԁskerpthlutverki0bWalnasj;Ws,sveitarflagaogAlYingisstefnum;tun  ogtlanagerWhsnWismlum.kvWumumhlutverksj;WsinserbreyttYannigaW  stefnum;tun,greiningumogtlanagerWergerthrraundirhfWiogkvWium i _hsnWistlanir_ԀsveitarflagaogskylduYeirratilaWaWstoWaYsemeigaerfittmeWaWafla \4 srhsnWiseruskUrW.LL  M  agtL  M  erL  M  tilaWkvWium_hsnWisnefndir_ԀsveitarflagannafallibrottL  M   ' enverkefnisveitarflagaverWifenginsveitarstj;rnsemgetisvosamYykktumsnumkveWiW  aWfelaWrumaWilainnansveitarflagsinsYau.XerL  M  lagttilaWviWlginbtistnUrkaflisem  fjallisrstaklegaumstefnum;tunsviWihsnWismlaog_hsnWistlanir_,enYarerm.a. `  aWfinnanUttkvWisemfjallaL  M  rL  M  Ԁum_hsnWisYing_,semhaldaskaltveggjarafrestiL  M  ,L  M  Ԁog S+! skyldurWherratilaWleggjaframYingslyktunL  M  artillguL  M  Ԁumstefnum;tunsviWi " hsL  M  L  M  nWisL  M  L  M  mlaL  M  ԀtilaWtryggjaaWkomuAlYingisL  M  .L  M  ԀL  M   #   0fL  M  j;rWaL  M  ԀlagierulagWartilbreytingarYeimheimildumsemsj;WurinnhefurtilaWveitaln  $ tileinstaklingatilkaupafasteignumtileiginnota.L  M  NL  M  Ԁhefursj;WurinnheimildtilaWveita !W% lntilkaupafasteignumsemeruundirkveWnum_verWmrkum_ԀaukYesssemkveWiW J""& hmarkerfjrhWYeirralnasemhonumerheimiltaWveita,;hWstaWsetninguYeirra. #' BreytingssemlgWertilhrfelstYvaWtilYessaWsj;WnumverWiheimilaWaWlna #( einstaklingumtilkaupafasteignYarf_lntakandi_ԀaWsUnaframaWhannfiekkiln $ ) _sttanlegum_Ԁkjrumhj_lnastofnun_ԀvegnastaWsetningar_fasteignarinnar_ԀeWaafWrum v%N!* stWum.NgildandikvWium_hmarksln_ԀoghmarksverWfasteignamunuY;haldast A&"+ ;breyttL  M  .L  M    '",   AWlokumerulagWartilbreytingarkvWumumrrWivegnagreiWsluvanda_lnYega_L  M   '#- ogafskriftirL  M  . ( L  M   IV.SamrmiviWstj;rnarskrogalYj;Wlegarskuldbindingar.       L  M  L  M  AWmatirWuneytisinsgefurefnifrumvarpsYessaekkisrstakttilefnitilmatssamrmi a YeirratillagnasemframkomafrumvarpinuviWkvWistj;rnarskrrinnar. T,   XaWfyrirkomulagsemlagtertilfrumvarpinuuppfyllirsmuskilyrWiogYaulnsem  0bWalnasj;WurveitirL  M  nL  M  Ԁsrstkum_vaxtakjrum_,sbr.37.gr.lagaumhsnWisml,meW  tillititil61.gr.samningsinsumEvr;pskaefnahagssvWiW(EESsamningL  M  sinsL  M  ).0lj;siYess   aWfrumvarpiYessuerlagttilL  M  ԀaWskerpaL  M  hlutverkiL  M  Ԁstj;rnvaldaalmannaYgu  X _hsnWismarkaWi_ԀmeWYvaWL  M  einskorWastarfsemihansL  M  ԀL  M  ennfrekarL  M  ԀviWflagslegtL  M  hlutverkL  M  Ԁhans K #  verWuraWteljaaWL  M  verkefniL  M  ԀL  M  0bWalnasj;WsL  M  ԀeftirYrbreytingarsemlagWarerutilhr    samrUmistframangreindri61.gr.samningsins.L  M        0frumvarpiYessuerlagttilaWmeWalteknasj;WsinsverWiframlgrrkissj;Wisem   kvrWuWverWifjrlgumhverjusinni.SlktkvWihefurekkiveriWaWfinnalgunum wO  WurogvaknaYvspurningarhvortslktgetileitttilhttufyrirrkissj;WeWagetitalist B  _rkisstyrkur_ԀviWYaulnsj;WsinssemveitthafaveriWgrundvellieldrilaga.TilaWmtaYeim    sj;narmiWumerlagttilaWtryggWurverWiL  M  _b;khaldslegur_L  M  ԀaWskilnaWL  M  urL  M  ԀmilliYeirraverkefnasem   hannhefurhafthingaWtilogYeirraverkefnasemhannmunsinnaeftirgildistku {  frumvarpsins,verWiYaWaWlgumL  M  .SlktfyrirkomulaghefurveriWtaliWsamrmast nF _rkisstyrkjareglum_ԀEESsamningsins,m.a.kvrWunESAfr11.desember2013um 9 fjrmgnunHrpu.ForsagaYessmlsersaWESAbarstkvrtun19.september2011  varWandi_meintan_ԀopinberanstyrkfrrkinuogReykjavkurborgvegnarWstefnuog  _veitingaYj;nustu_ԀHrpuogkvaW20.mars2013aWhefjaformlegaranns;knmlinu.AW r matiESAhafWiveriWleittlj;saWYtttakarkisinsogborgarinnarfjrmgnunHrpuvri e= nauWsynleg,_meWalh;fi_Ԁogylliekki;h;flegriskekkjusamkeppni.Ennfremur,meWYvaW 0 _aWskilja_Ԁreikningaefnahagslegumog_;efnahagslegum_ԀrekstriHrpu,hefWislenskum  yfirvldumtekistaWtryggjaenginneikvW_umframhrif_ԀvegnaframlagaYeirratil  menningarlegraYttastarfsemiHrpu.FjrmgnunHrpuvarYessvegnatalinsamrmi i viWreglurum_rkisstyrki_ԀEESsamningsins. \4   0lj;siframangreindslitserYaWmatrWuneytisinsaWkvWifrumvarpsinsum ' _b;khaldslegan_ԀaWskilnaWnverandi_lnasafni_Ԁsj;WsinsfrYeirristarfsemisemhannkemur  tilmeWaWhafameWhndum,niYettafrumvarpframaWganga,standistYrkrfursemESA  gerirtilaWskilnaWarsamkvmtframangreindu.MunjafnframtveralitiWtilYeirrasj;narmiWa `  semkomaframlitinuviWskiptingukostnaWiviWrekstursj;Wsins,svosemhsnWi, S+! starfsmannahaldo.s.frv.vegnarekstrargamla_lnasafnsins_ԀannarsvegarognUrrarstarfsemi " hinsvegar.L  M   # L  M  L  M   V.FramkvmdNorWurlndunum.  !W%     L  M  L  M  0skUrslunorrnurWherranefndarinnarumnorrna_hsnWismarkaWinn_ԀkomframaW J""& hstahlutfallsreignarvriNoregiYarsemum80%heimilaeigasitteigiWhsnWi.Xar #' eftirvri0slandmeW73%heimilasemeigaeigiWhsnWi,FinnlandmeW70%,SvYj;W #( meW64%ogDanmrkuerL  M  ԀumhelmingurheimilaL  M  ԀeiginhsnWi.Nokkurmunurereinnig $ ) samsetningubWarhsnWismillilandanna,enhstahlutfallafsreWa_tvbUlum_ԀeraW v%N!* finnaNoregi,eWarm60%bWarhsnWis.XareftirkemurDanmrkmeW59,3%, A&"+ FinnlandmeW54,1%enlgstahlutfalliWerSvYj;W,eWa44,3%.SvYj;Wog0slanderumeW  '", hstahlutfall_fjlbUlishsa_,Y.e.55,7%og49%bWarhsnWis.ViWgerWfrumvarpsinsvar '#- YvlitiWtilfyrirmyndaannarsstaWarNorWurlndunum,YsrstaklegaNoregsogFinnlands ( YarsemmeiriherslahefurveriWsreignheimila.    ARAL  M  (L  M  _Finansierings_Ԅ_och_Ԁ_utvecklingscentralen_Ԁfr_boendet_)L  M  ԀFinnlandierrkisstofnunsem  heyrirundirumhverfisrWuneytiWYarlandiogberbyrgWframkvmd_hsnWisstefnu_ a stj;rnvalda.Verkefnihennarfelastm.a.aWveita_stofnstyrki_Ԁ(_startbidrag_)ogbyrgWirog T, niWurgreiWsluvaxtatilbyggingareWakaupaflagsleguhsnWiogleigubWum,sinna  Yr;unogranns;knumhsnWiogstyWjaviWuppbygginguhsnWitil_tekjulgra_  einstaklingaogh;pasemYurfasrstkumstuWningiaWhalda.ViWkvrWun   _viWmiWunarvaxta_ԀerlitiWtil_markaWskjara_ԀenY;erkveWiWhmarksett.Xsafnarstofnunin  X oggreinirupplUsingarogtlfrWiumhsnWismlogmarkaWinnaukYessaWmiWla K #  upplUsingumumnUjusturanns;knirogYr;unhsnWismla.ARAvarsettstofnriW1993    enrekjamforsgustofnunarinnarafturtilstrWsrannaYegarFinnarbjugguviWmikinn    _hsnWisskort_ԀogbyggingusvokallaWra_Arava_ԄhsameWstuWningihinsopinbera.   StuWningurinnvarmeWUmsumhtti,YarmeWtaliW_byrgWum_Ԁrkisinstgefnum wO  skuldabrfum.0dagkveWurfinnskaYingiWrlegatengslumviWfjrlgumfangstuWnings B  ARAogherslur._Meginherslur_ԀstarfsemiARAeruaWstyWjasveitarflgogfrjls    flagasamtkaWbyggjaflagslegtleiguhsnWioglagfrafyrirliggjandihsnWi.ARA   veitirekkilntilkaupafasteignumalmennummarkaWi. {    _Hsbankinn_ԀNoregi(no._Husbanken_)hefurnstarfaW70r,enhannvarsetturstofn nF riW1946aWlokinnisWariheimsstyrjldinni.HlutverkhanslktogARAhefurtmansrs 9 breystfrYvaWveraalmennur_hsnWisbanki_ԀYaWaWverWavelferWarstofnun(_velferdsetat_)  meWflagslegarherslurog_samrmingaraWili_ԀviWframYr;unhsnWismlalandinu.  Meginhlutverk_Hsbankans_ԀeraWframfylgja_hsnWisstefnu_Ԁstj;rnvalda.Hannsrum r greiWslu_hsnWisb;ta_ԀaukYessaWveitalnogstyrkitilkaupaogbyggingarhsnWi.X e= beitirhannsrfyrirranns;knumogYr;unhsnWismlum.Meginherslalnastarfsemi 0 stofnunarinnareraWlnatilnUbyggingaogveitaframlgtilbyggingarflagsleguhsnWi  fyrirYsemYurfaaWstoWviW_hsnWisflun_,aWtryggjaaW_lnsfjrmgnun_Ԁstandieinnigtil  boWa_afskekktari_ԀsvWumYarsemerfittgeturreynstaWfln_sttanlegum_Ԁkjrumog i lnveitingartilYeirrasemeruaWkaupasnafyrstufasteign(no._startln_).Hannveitirekki \4 lntilkaupafasteignumalmennummarkaWi._Hsbankinn_ԀerfjrmagnaWurmeW ' framlgumrrkissj;WienviW_vaxtakvrWun_Ԁhans_tlnum_ԀermiWaWviWvextiaf  rkisskuldabrfumauklags.XhefurstofnunineinnighlutverkiaWgegnaviWaWstuWlaaW  _altkri_Ԁhnnun(_universal_Ԁ_design_)hsnWismlum,aWgerahsnWiumhverfisvnnaog `  veitirstyrkivegnaranns;knaogYr;unarsviWihsnWismla. S+! L  M  L  M   VI.SamrW.  #     L  M  L  M  FrumvarpYettavarsamiWvelferWarrWuneytinu.EfnifrumvarpsinsbyggistaWmiklu  $ leytitillgumverkefnisstj;rnarog_samvinnuh;ps_ԀumframtWarskipanhsnWismlafr !W% L  M  rinuL  M  2014,enframangreindumnefndumttustifulltrarfrhinuopinberasemog J""& hagsL  M  L  M  munaaWilum.XvarfrumvarpiWunniWnnusamstarfiviW0bWalnasj;W,SeWlabanka #' 0sL  M  L  M  landsogFjrmlaeftirlitiW. #(   0verkefnisstj;rnumframtWarskipanhsnWismlattuennfremurstifulltrarfr $ ) fjrmlaogefnahagsrWuneytinu,forstisrWuneytinu,velferWarrWuneytinu,Yingflokki v%N!* Frams;knarflokksinsogYingflokkiSjlfstWisflokksinsoghafWiSambandslenskra A&"+ sveitarflagajafnframtheyrnarfulltraL  M  YarL  M  .  '",   Xttusti_samvinnuh;pi_ԀumframtWarskipanhsnWismlafulltrarfr '#- AlYUWuL  M  samL  M  L  M  bandi0slands,Bandalagihsk;lamanna,Bandalagistarfsmannarkisogbja, ( Brynju!_Hssj;Wi_,_Bmnnum_Ԁ_hsf_.,Bseta_hsf_.,BsetaNorWurlandi_hsf_.,_Byggingaflagi_  nmsmanna,Flagifasteignasala,_Flagsstofnun_Ԁstdenta,Hagsmunasamtkumheimilanna,  _HseigendaL  M  L  M  flaginu_,0bWalnasj;Wi,Landssambandieldriborgara,Landssamtkum a lfeyrissj;Wa,NeytL  M  L  M  endaL  M  L  M  samtkunum,Reykjavkurborg,Sambandislenskrasveitarflaga, T, SamtkumatL  M  L  M  vinnuL  M  L  M  lfsins,Samtkumfjrmlafyrirtkja,Samtkum_leigjenda_Ԁ0slandi,  Sjlfsbjrg,_talsmanni_Ԁneytenda,umboWsmanniskuldara,umhverfisogauWlindarWuneytinu,  YingflokkiBjartrarframtWar,YingflokkiFrams;knarflokksins,Yingflokki_Prata_,Yingflokki   SamL  M  L  M  fylkingarinnar,YingflokkiSjlfstWisflokksins,YingflokkiVinstrihreyfingarinnar!  X grnsframboWsogryrkjabandalagi0slands.L  M   K #    & O L  M  vegum_samvinnuh;psins_ԀvoruskipuWfjgurteymitilaWrWaeinstkmlefniogfjallaWi    eittYeirraumL  M  hlutverkstj;rnvaldaviWveitinguYj;nustualmannaYgu_hsnWislna    markaWi_.0tillgum_samvinnuh;psins_ԀeraWfinnagreinargerWogmeginsj;narmiW_teymisins_   (enhanamfinnafylgiskjaliIImeWfrumvarpiYessu).Xarkemurm.a.framaWfulltrar wO  _teyminu_ԀvorualmenntsammlaumaW;breytt_hsnWislnakerfi_ԀYarsem0bWalnasj;Wur B  hldiframaWlnaalmennhsnWislnmeWrkisbyrgWnnokkurratakmarkanavriekki    valkostur.Veitingslkralnasamrmdistekkiskuldbindingumslenskarkisinssamkvmt   _rkisaWstoWarreglum_ԀsamningsinsumEvr;pskaefnahagssvWiWmeWansj;WurinnnUtur {  _rkisaWstoWar_ԀUmsuformi,einkumrkisbyrgWar.UmrWurfundum_teymisins_Ԁbeindust nF helstaWeftirfarandisviWsmyndum: 9 ! ! (g00"i(m"  i(mTY2g  a  .3  Ԉ0    DregiWverWirstarfsemi0bWalnasj;WsognUhsnWislntakmrkuWviWflagslegt  hlutverkoglnveitingarYarsem_markaWsbrestur_Ԁvrifyrirhendi.Hrhefurm.a.veriW  horfttilnorska_Hsbankans_Ԁsemhugsanlegrarfyrirmyndar.'O  Ri(mTYY݌r Ќ  "i(m"  i(m[2g  b  .3  Ԉ0    L  M  Rekstri0bWalnasj;WsverWihttogslenskarkiWdragisigtaf_hsnWislnamarkaWi_. e= Flagslegumog_byggWalegum_ԀmarkmiWumstj;rnvalda_hsnWislnamarkaWi_ԀverWi 0 mtt,t.d.meW_alYj;nustukvW_ԀogWrumbeinumaWgerWumrkisinsnmilligngu  _lnastofnunar_Ԁeigurkisins,t.d.samstarfiviWsveitarflg.i(m[[݌ Ќ  "i(m"  i(m^2g  c  .3  Ԉ0    L  M  0bWalnasj;WurverWiframvirkuralmennum_hsnWislnamarkaWi_ԀmeWlnveitingum i nrkisbyrgWarogannarrar_rkisaWstoWar_.Sj;WurinnveitiekkilengurYj;nustu \4 almannaYgu_hsnWislnamarkaWi_Ԁ(e._services_Ԁofa_general_Ԁ_economic_Ԁ_interest_),heldur ' verWirkiogsveitarflgumfaliWaWsinnaYvhlutverkimeWWrumhttiengerthefur  veriWframtilYessa.i(m^&_݌ Ќ    UmrWurumframangreindarsviWsmyndirleiddum.a.tilYessaW_teymiW_ԀlagWifram `  eftirfarandimeginsj;narmiW: S+!   ?1.TekiWverWisrstaklega_fortWarvanda_Ԁ0bWalnasj;WsYannigaWhannverWialfariW " skilinnfraWgerWumsemltaaWframtWarskipan_hsnWislnamarkaWi_.HrverWitildmis # horfttiltillagnarWgjafarfyrirtkjannaumaWstarfsemi0bWalnasj;Wsnverandimynd  $ verWilgWafogumsUslalnasafnsogskuldbindingasj;WsinsverWisettsrstakanfarveg. !W%   2.OpnaWverWifyrirmguleikastofnunsrstakra_hsnWislnaflaga_,t.d.aWdanskri J""& fyrirmynd,YarsemherslaverWilgWaWjafnvgirkimilli_greiWsluflWis_ԀhsnWislna #' ogfjrmgnunarYeirra. #(   3.AWkomurkisinsaWslkufyrirkomulagimttitryggjameWstofnunhlutaflagssemveiti $ ) almennhsnWisln_markaWsvxtum_ԀnrkisbyrgWar.Fulltrar_SFF_ԀogSAlUstusigafar v%N!* ;sammlaYeirrihugmyndaWrkiWkmiaW_hsnWislnamarkaWi_ԀmeWstofnunhlutaflags A&"+ semveitialmennhsnWisln,beinnisamkeppniviWalmennarlnastofnanir.Mfrafyrir  '", YvrkaWslkbeinaWkomarkisinsopnumsamkeppnismarkaWigetiorWiWtilYessaWhamla '#- Yr;unogframgangiskilvirksoghagkvmshsnWislnamarkaWar.StalinhttaaW ( almennarlnastofnanirsinniekkillulandinustarfsemisinniereinfaldaraaWleysaYaWmeW  kvWumYj;nustuannaWhvortlgumeWasamningumviWalmennarlnastofnanir.Fulltri  AS0taldihinsvegarafarmikilvgt,aWYvgefnuaWfortWarvandi0bWalnasj;WsverWi a leysturmeWYvaWskiljaYaulnogYauundirliggjandiskuldabrfsemstandaaWbakifr T, efnahagsreikningi0bWalnasj;Ws,aW0bWalnasj;WurstarfiframYessummarkaWi.XaW  erueinfaldlegaenginefnislegrkfyrirYvaWhannhverfiafmarkaWi,Y;YaWkunniaWvera  rkfyrirYvaWjafnasamkeppnisskilyrWigagnvartbnkunum.AS0setursigYvalfariWgegn   YeirrihugmyndaWsj;WurinnverWilagWurniWur.AWmatifulltra0bWalnasj;Wsereinnig  X afarmikilvgtaWrkiWYurfiaWkomaaWhsnWislnamarkaWi.XrttfyrirfullyrWingarSFF K #  umaWfjrmlafyrirtkiYj;nillulandinuteljihannaWsagansegiannaWogekkishgtaW    tryggjaryggiogfjrmgnuntilbsetualmenningsannanhttenmeWaWkomurkisins.      4.ViWmataWkomurkisinsaWflagsleguhsnWislnakerfiYarsemmeWalannarser   horfttillnveitingatillandssvWaYarsemmarkaWsbresturvrifyrirhendiogflagslegra wO  leigubWameWsrstakrifyrirgreiWslu/vilnunumfrrkinuermeWalannarsbenttillgur B  greinargerWKPMGumaWlklegaYurfimilligngusveitarflagaeWaeinhverskonar    samvinnurkisogsveitarflagatilaWnmarkmiWumstj;rnvaldaumveitinguhsnWislna   erfiWummarkaWssvWum.0Yessusamhengiert.d.bentreynsluDanaogNorWmanna.  {  L  M    EkkihefurhafistvinnaviWmeginsj;narmiW2.og3.liWarvarWandiaWsettverWif;t nF srstkhsnWislnaflgenYeimtillgumsemeraWfinnafrumvarpiYessuertlaWaW 9 mtaYeimmeginsj;narmiWumsemkomafram1.og4.tlul.greinargerWarteymisins.X;  errttaWrttaaWframkemuryfirlUsingurkisstj;rnarinnarumhsnWismlfr28.ma  2015aW?unniWverWiL  M  ԀframaWbreyttufyrirkomulagifjrmgnunaralmennraL  M  ԀhsnWislna. r 0YvefniverWiL  M  ԀtekiWmiWaftillgumverkefnastj;rnarumframtWarskipanhsnWismla, e= nUrriveWlnatilskipunESBogggnumumrekstrarforsendurnUrrahsnWislnaflagaog 0 stWu0bWalnasj;Ws.L  M  YfirlUsinginerbirtmeWfrumvarpiYessu(sjfylgiskjalL  M  I).L  M     L  M  L  M  VII.Mathrifum.  i   0frumvarpinuerulagWartilbreytingarstarfsemi0bWalnasj;Ws.FrumvarpiW,verWiYaW \4 aWlgum,munekkihafabeinhrifafkomurkissj;WsumframYaWsemYegarhefurveriW ' kveWiWmeWframlgumfjrlgumtilstofnframlaga.tlaWeraWumsUslameWveitingu  stofnframlagaogsgreiningarvinnaogupplUsingaflunsemvarWatlanagerWog  stefnuL  M  L  M  m;tunhsnWismlumhkkirleganrekstraL  M  rkostnaW0bWalnasj;Wsum40!L  M  50mL  M  illjL  M  .L  M   `  L  M  kr.ri.m;tiveguraWrekstrarkostnaWurvegnahefWbundinnarlnastarfsemisj;WsinsmunL  M   S+! lkkaum150!L  M  200mL  M  illjL  M  .L  M  ԀL  M  kr.nsturum.0frumvarpinuergertrWfyriraW0bWalnaL  M  L  M  sj;Wur " httilnveitingumtilalmennrafasteignaviWskipta.0bWalnasj;WiverWurY;heimiltaWsinna # srtkrilnastarfsemitileinstaklingakveWnumogtilteknumtilvikum.Xessistarfsemifelur  $ sr;beinahttufyrirrkissj;W.HnverWurY;aWteljast;verulegogbreytalitluumY !W% byrgWsemrkissj;WurberYegarlntkum0bWalnasj;Ws.0kvWitilbrWabirgWaer J""& 0bWalnasj;WL  M  iL  M  ԀveittheimildtilaWendurfjrfestafjrmunisemfallatilvegnauppgreiWslna #' lnumYvskyniaWtakmarkatj;nsj;Wsinsoglgmarkahtturkissj;Wsaf #( skuldbindingumsj;Wsins.L  M   $ )   L  M  VerulegahefurdregiWralmennumtlnumsj;Wsinstileinstaklingaundanfarinrog v%N!* hefurhlutdeildsj;WsinsnUjumtlnumtileinstaklingaveriWinnanviW10%sl.tvr, A&"+ samanboriWviW50!60%hlutdeildfyrir10!L  M  12rum.L  M  ԀStekiWtillittiluppgreiWslnaeldri  '", lnumeinstaklingaerstaWanhinsvegarneikvWYarsemuppgreiWslurhafaveriWumtalsvert '#- hrriennUtlntileinstaklinga.0tlunsj;WsinsfyrirriW2016ergertrWfyriraWnUtln ( verWi8,5milljarWarkr.enuppgreiWslurum35milljarWarkr.SmuleiWishefurheildarlnasafn  sj;WsinsminnkaWvegnamikillauppgreiWslnalnaognamrslok2015um650milljrWum  kr.samanboriWviWtplega800milljarWakr.rslok2011.L  M   a   L  M  tlamaWfrumvarpiWmuniekkihafamikilhriffjrhagsveitarflagaYarsemYver T, fyrstogfremstveriWaWskerparvinnsluverkefnasemeruaWmikluleytinYegarmeWal  lgbundinnaverkefnasveitarflaga.0kostnaWarumsgnSambandsslenskrasveitarflaga(sj  fylgiskjalIII)erbentaWY;ttgerWhsnWistlanashlutiaflgbundnuhlutverki   sveitarflagahafiYvverkefniltiWveriWsinntogaWaukinherslaslkagreiningarvinnu  X getikallaWauknavinnufrYvsemner.0umsgnsambandsinserYvlagttilaW K #  samL  M  L  M  rWsnefndgrundvelli7.gr.samkomulagsfr31.ma2016verWifaliWaWvaktaYauhrif    semlgfestingfrumvarpsinsmunihafafjrhagsveitarflaganstuYrjr.L  M      L  M    AthugasemdirviWeinstakargreinarfrumvarpsins. wO  4  Um1.gr. B    L  M  LagterL  M  ԀtilaWorWL  M  inL  M  Ԁ?meWlnveitingumogskipulagL  M  iL  M  ԀhsnWismla L  M  ԀL  M  fallibrottr1.gr.    laganna.ErmeWYvveriWaWundirstrikaYbreytingusemstefnteraWstarfsemisj;WsinsL  M  ,L  M     aWfrL  M  aL  M  ԀherslurhansfrlnveitingumalmennummarkaWiogaukahersluflagslegt {  hlutverkhans,stefnumrkunoggreiningu. nF   L  M  Um2.gr.      L  M  L  M  0greininnierulagWartilbreytingarL  M  L  M  orWskUringL  M  umL  M  .  L  M    LgWerL  M  tilbreytingskilgreiningumhugtakannaL  M  almennlnL  M  ԀL  M  ogL  M  viWb;tarlnL  M  samrmi r viWYaWmarkmiWfrumvarpsinsaWsj;WurinnhttialmennumlnveitingumYannigaWstaW e= orWL  M  sinsL  M  Ԁ?veitir komiL  M  ?L  M  hefurveittL  M  L  M  . 0   L  M  XerlagttilaWviWbtistYrjrnUjarorWskUringar.AnnarsvegareraWfinnatvrnUjar  orWskUringarhugtkunumL  M  almennarbWirL  M  ogL  M  stofnframlgL  M  ԀtilsamrmisL  M  viWhlutverk  sj;WsinsviWveitingustofnframlagasamkvmtnUsamYykktumlgumumalmennarbWirL  M  ,L  M   i nr.52/2016L  M  .L  M  ԀL  M  HinsvegarerlgWtilskilgreininghugtakinuL  M  ԀL  M  srstklnL  M  ԀsemskilgreiniYauln \4 sem0bWalnasj;WurL  M  veitirL  M  tileinstaklingaverWifrumvarpYettaaWlgum.L  M  ԀL  M   '   L  M  Um3.gr.   @   L  M  L    M  0greininnierlagttilaW1.mlslL  M  .L  M  Ԁ1.mgr.4.gr.L  M  ԀlagannaL  M  ,semkveWurumaWstofnaskuli `  L  M  srstakanlnasj;Wernefnist0bWalnasj;WursemlnitilbWakaupa,nUbyggingaeWa S+! endurb;tabWarhsnWis0slandi,fallibrott.L  M   " L  M    L  M  Um4.gr.  $  @   L  M  L  M    04.gr.erlagttilaWL  M  nUjumL  M  ԀmlsliWL  M  verWibttL  M  viW1.mgr.5.gr.L  M  lagannaL  M  semfjallarum !W% byrgWsveitarstj;rnaaWleysahsnWisYrfYeirrasemYurfaaWstoWviWhsnWisflunog J""& Yvskyniskulisveitarstj;rnfylgjastmeWYrffyrirhsnWisveitarflaginu.ErlagttilaW #' viWYettabtistaWsveitarstj;rnfarijafntmeWstj;rnogsamrminguhsnWismlavegum #( sveitarflaga. $ )   L  M  Um5.gr. A&"+  @   L  M  L  M    0greininnierlagttilaWL  M  L  M  6.gr.lagannafallibrottL  M  ԀkvWiumskyldusveitarflagstilaW  '", hafasrstakahsnWisnefndenstaWYessverWisveitarstj;rnheimilaWaWsetjaf;t_hs '#- nWisnefnd_ԀeWafelaannarrinefndvegumsveitarflagsinsstj;rnogframkvmdhsnWis ( mlavegumsveitarflagsins.L  M  0framkvmderYaWsvoaWfstumsveitarflgumerustarf  andisrstakarhsnWisnefndirdagheldureruverkefniYeirrafalinWrumfastaL  M  L  M  nefndum.  XykirekkistWatilaWkveWaumaWsrstknefndskulifarameWverkefninogerYvlagt a tilaWsveitarstj;rnsufalinYauverkefnisemlginkveWaumensvoersveitarL  M  L  M  stj;rnum T, einstL  M  kumL  M  ԀsveitarflgumfrjlstaWkveWahvortL  M  sveitarstj;rnL  M  ԀfersjlfmeWverkL  M  L  M  efnineWa  felurannarrinefndvegumsveitarflagsins.    L  M      Um6.gr.  X ϟ  L  M  L  M    0L  M  greininniL  M  ԀerlagttilaWL  M  upphafiIII.kaflaL  M  ԀkominUgrein,6.gr.L  M  Ԁa,semL  M  Ԁfjalliumhlutverk K #  0bWalnasj;WsogkL  M  omiL  M  ԀstaWgildandi9.gr.semlagtertilaWverWifelldbrott.1.mgr.6.gr.    eraWnokkruleytiefnislegusamrmiviWgildandi9.gr.enliWirhafaveriWfrWirtilog    nUjumbttviW.XannigerL  M  L  M  1.tL  M  luL  M  l.fjallaWumaWhlutverksj;WsinssaWvinnaaWstefnu   m;tunsviWihsnWismlaogverarWherratilrWgjafarumm;tunhsnWisstefnuen wO  sambrilegtkvWierekkiaWfinnangildandilgum.02.tL  M  luL  M  l.erkveWiWumaW B  sj;Wurinnskulibeitasrfyrirranns;knumsviWihsnWismlaogkomaframfriviW    almenningupplUsingumervarWahsnWismlL  M  .L  M  kvWiYettaereinnignUmli.03.tL  M  luL  M  l.   kemurframaWsj;Wurinnskuliannastsfnun,rvinnsluogtgfuupplUsingasviWi {  hsnWismlaogmetaYrfbseturrWumL  M  .0L  M  Ԁ4.tL  M  luL  M  l.kemurframaWL  M  0bWalnasj;WurL  M  Ԁskuli nF haldautanumhsnWistlanirsveitarflaga.ErYettaefnislegasamrmiviWngildandi 9 10.tL  M  luL  M  l.9.gr.enkvWinsemhrerulgWtilerutarlegrienYausemnerugildi.05.  tL  M  luL  M  l.eraWfinnanUmlisemfjallarumaWsj;WurinnskuliveitastofnframlgsamrmiviW  lgumalmennarbWirL  M  ,L  M  Ԁnr.52/2016.6.tL  M  luL  M  l.erefnislegasamhlj;Wangildandi2.tL  M  luL  M  l.9. r gr.og7L  M  .L  M  ԀtL  M  luL  M  l.ersamrmiviWngildandi1.tL  M  luL  M  l.9.gr.Xeru8.og9.tL  M  luL  M  lL  M  .L  M  Ԁsamhlj;Wa e= ngildandi4.og5.tL  M  luL  M  l.9.gr.Xer10.tL  M  luL  M  l.samrmiviWngildandi8.tL  M  luL  M  l.9.gr.011. 0 tL  M  luL  M  l.kemurframaWsj;WurinnskulivinnannurverkefnisamrmiviWmarkmiWlaganna  samkvmtnnarikvrWunrWherra.ErkvWiYettanokkuWbreyttfrngildandi11.tL  M  luL  M  l.  9.gr.YarsemgerterrWfyriraWrWherraskulisetjareglugerWumfrekariverL  M  kL  M  efnisj;Wsins, i enhrerlagttilaWekkiYurfireglugerWaWkomatil.L  M   \4   02.mgr.erlagttilaWsj;WurinnhafiheimildtilYessaWkallaL  M  eftirggnumogfrekari ' vinnslugagnafrHagstofu0slandsogXj;Wskr0slandsvegnaverkefnaYeirrasemhonumeru  falin1.mgr.MikilvgteraWsj;WurinnhafigreiWanaWgangaWYeimtlfrWiupplUsingum  semumrddarstofnanirsafnaoggeti;skaWeftiraWYrvinnirupplUsingunumkveWin `  ggnsemsj;WnumerunauWsynlegtilYessaWgetasinntgreiningarog_stefnumrkunarhlut S+! verki_ԀYvsemhonumertlaWmeWfrumvarpiYessu.Hagstofa0slandsannastnYegar " skUrslugerWumUmsaYttisemsnaaWhsnWismarkaWnumogsafnarYvmestumYeim # ggnumsemgerterrWfyriraWsj;WurinnYurfi.GerterrWfyrirYvaWvinnslaogafhending  $ gagnannaverWinsrstaksendurgjaldsafhlfu0bWalnasj;Ws,enYaWersambrilegt !W% kvWiogfinnam2.mgr.6.gr.lagaumHagstofu0slandsogopinberahagskUrslugerW, J""& nr.163/2007.L  M   #'   0L  M  3L  M  .mgr.eraWfinnakvWisemkveWurumL  M  skUranb;khaldsleganogskipulagslegan #( aWskilnaWmilliYeirrarstarfsemisj;WsinssemlUturaWveitingustofnframlagaognUrra $ ) srL  M  L  M  tkralnaannarsvegaroghinsvegarumsUslumeWeignaogskuldasafnsj;Wsinsvegna v%N!* starfsemisj;WsinsfyrirgildistkufrumvarpsYessaL  M  ,L  M  ԀverWiYaWaWlgum.ErhrveriWaWkoma A&"+ vegfyriraWhttaafnverandilnumsj;Wsins,semmikiWtilerualL  M  L  M  mennln,falliYau  '", lnsemgerterrWfyriraWsj;WurinnveitiverWifrumvarpYettaaWlgum,semeruYaW '#- meginstefnutilflagsleglnogstofnframlgsemveitterugrundvelliframlagafjrlgum ( staWskuldabrfatgfumarkaWi.XannigYarfsj;WurL  M  L  M  innL  M  lkaaWhafasvigrmtilaWsUsla  meWnverandilnasafntilYessaWtryggjaaWekkiverL  M  WiL  M  ԀtapafYvfyrirrkissj;W.ErgertrW  fyriraWrWherratfrinnarreglugerWhvernL  M  L  M  igYessirtveirYttirverWiaWskildir.L  M  ԀUm a nnariskUringarvsasttilII.kaflaalmennraathugasemda.L  M   T, L  M    L  M  Um7.gr.      L  M  L  M  0greinL  M  inL  M  nierlagttilaW9.gr.L  M  lagannaL  M  fallibrottengerterrWfyriraWstaWhennarkomi   6.gr.L  M  ԀaL  M  ԀogvsasttilskUringaviWhana.  X   L  M  &    L  M  Um8.gr.        L  M  08.gr.erlagttilaWviWupptalningu10.gr.lagannatekjumsj;WsinsbtistnUrtluliWur    semkveWiumaWmeWalteknasj;Wsinssuframlgrrkissj;Wisamkvmtfjrlgum   hverjusinni.ErYettam.a.gerttilefniafnUsamYykktumlgumumalmennarbWir,nr. wO  52/2016,engerterrWfyriraWstofnframlgsamkvmtYeimlgumverWifjrmgnuWmeW B  framlgumrrkissj;WisamrmiviWfjrlghverjusinni.'       L  M  Um9.gr. {      L  M  L  M  0greinL  M  innL  M  ierlgWtilbreyting12.gr.lagannasemfjallarumskipulagsj;Wsinsenhenni nF kemurframaWL  M  rWherrasheimiltaWkveWameWreglugerW,aWfenginnitillgustj;rnar 9 0bWalnasj;Ws,frekariverkefniogskipulagsj;Wsins,YarmeWalskiptinguhanssviWeWa  deildiraWYvleytisemekkierkveWiWumL  M  ԀYaWL  M  ԀL  M  lgunumL  M  .XessireglugerWarL  M  L  M  heimildhefur  ekkiveriWnUttendaeWlilegraaWforstj;rifarimeWYettaskipulagsvaldinnanstofnunarinnar. r XverlagttilaWfrakvWiWtilsamrmisviWYaWsemalmenntL  M  gildirumL  M  ԀrkisstofnL  M  anirL  M  Ԁog e= kveWL  M  aL  M  ԀumaWforstj;riannistdaglegastj;rnunstarfsemiogrekstristofnunaraukYessaW 0 rWastarfsmennhennar.L  M      L  M  Um10.gr. i     L  M  L  M  0greininnierlagttilaWL  M  ԀstaWngildandiL  M  Ԁ13.gr.lagannaL  M  ,semfjallarumskipan_hsnWis \4 nefnda_,kominUgreinsemfjalliumstj;rnskipulaghsnWismlaogverkefnasveitarflaga ' samkvmtlgunum.01.mgr.kemurframaWsveitarflagberibyrgWframkvmdverkefna  samkvmtkaflanum.X;sheimiltaWnUtasvWisskipulageWaannarnsamstarfsvettvangtil  samrWs,kalliaWstWuraWsamhfingutveggjaeWafleirisveitarflagavarWandi `  tlanagerWogYarfagreiningu.Erhrhelsthorfttilsveitarflagasemliggjanlgthvert S+! Wru,einsogerhfuWborgarsvWinu,Yarsemnokkursveitarflgmyndaeittatvinnuog " _bsetusvWi_. #   02.mgr.kemurframaWsveitarstj;rngetikveWiWaWfelafastanefndeWasrstakri_hs  $ nWisnefnd_ԀaWannaststj;rnogframkvmdhsnWismla,enmikilvgteraWsveitarstj;rn !W% takiskUraafstWuhverinnansveitarflagsinshafimeWhndumverkstj;rnYessusviWi.L  M   J""&   L  M  Um11.gr. #(     L  M  0greininnieraWfinnabreytingar14.gr.lagannasemfjallarumverkefni_hsnWis $ ) nefnda_.0lj;siYessaWlagtertilaWekkiverWilengurskyltaWhafasrstakahsnWisnefnd v%N!* erlagttilaWL  M  inngangsmlsliWur1.mgr.breytistYannigaWstaWYessaWYarsegihversu A&"+ helstuverkefnihsnWisnefndarstilgreinthverhelstuverkefnisveitarflagssviWihs  '", nWismlasu. '#- L  M  L  M    0WrulagierlagttilaWstaWngildandi1.og2.tlulL  M  .L  M  ԀkomifimmnUirtluliWirYarsem ( fjallaWsL  M  nnarL  M  umverkefnisveitarflagaL  M  sviWihL  M  snWismla.0fyrstalagiL  M  ԀL  M  erkveWiWum  aWsveitarflginskulimeWreglubundnumhttigreinaYrffyrirbWarhsnWisveitar  L  M  L  M  flaginumeWtillititilmismunandibsetuforma.XskuliYaugeratlanirtilfjgurrara a sennL  M  umL  M  hvernigYeimYrfumverWimtt.MikilvgteraWtryggjaaWtlanagerWinverWi T, samstarfsverkefniinnanstj;rnsUslusveitarflags,meWaWkomuflagsYj;nustu,skipulags  L  M  L  M  yfirvaldaogbyggingarfulltraogumsj;naraWilafasteignasveitarflags.MyndaYessar  _hL  M  sL  M  L  M  nWistlanir_ԀsvogrundvllundirhL  M  snWisstefnurL  M  kisins.0YriWjalagiskuliYau   endurmetameWreglubundL  M  nL  M  umhttiL  M  tlanirnarmeWvsantilniWurstWuYarfagreiningar.X  X erlagttilaW4.tlulL  M  .L  M  ԀkomiframaWsveitarflgskulihafamillignguumogeigafrumkvWi K #  aWYvaWaflaWverWihsnWisogaWstoWaeinstaklingaviWhsnWisflunenkvWiWer    samrmiviWsWarihlutangildandi1.tlul.AWlokumerlagttilaWL  M  Ԁ5.tlul.komiframYaW    hlutverksveitarflagaaWannastveitingustofnframlagasveitarflagasamrmiviWkvWi   laganr.52/2016,umalmennarbWir.ErgertrWfyriraWngildanditluliWir,semneru wO  3.!5.tlul.,komieftirYeimsemhrermltfyrirumogverWa6.!8.tlul. B    0YriWjalagierlagttilaWstaWngildandi2.mgr.,semfjallarumnnurverkefni    hsnWisnefndaogstarfsreglurverWikveWiWumaWsveitarstj;rnirsetjiverklagsreglursem   gildiummeWferWhsnWismlaogskuliYrbirtarvefsveitarflagsins.Xskuli {  sveitarflagrlegabirtaskUrsluumframkvmdhsnWistlunarYess,ensskUrslagetur nF veriWbirtsemhlutiafrsskUrslusveitarflagsins. 9   L  M  AWlokumerulagWartilbreytingar3.mgr.samrmiviWYbreytinguaWL  M  ekkiverWi  lengurskyltaWhafasrstakarL  M  ԀhsnWisnefndirL  M  enL  M  ԀstaWYeirraverWivsaWtilsveitarflaga  YarsemYaWviW.L  M   r   L  M      Um12.gr. 0 F  L  M  LagterL  M  ԀtilnUttheitiIV.kaflalaganL  M  nL  M  a,semnkallastHsnWisnefndir,lj;siL  M  5.gr.  frumvarpsYessaL  M  ԀogaWheitihansverWiVerkefnisveitarflagasviWihsnWismla.AW  WruleytivsasttilskUringaviW5.gr.hraWframan. i   L  M  Um13.gr. '     L  M  L  M  013.gr.erlagttilaWviWlginbtistnUrkafliL  M  ,IV.kafliA,L  M  Ԁsemfjalliumstefnum;tun  sviWihsnWismla.EittmeginmarkmiWfrumvarpsYessaeraWleggjameirihersluvirka  stefnum;tunhsnWismlum,m.a.tilYessaWstyWjaviWmarkmiWlagaumalmennarbWir `  ogaWthlutunstofnframlagasamkvmtYeimlgumbyggiL  M  stL  M  ԀtarlegrigreininguYrffyriL  M  rL  M   S+! hsnWi.Xermikilvgt,tilYessaWkomavegfyriraWuppkomisstaWaaWverulegur " skorturverWihsnWiL  M  ,L  M  ԀaWstj;rnvldsinnigreiningarL  M  ԄL  M  Ԁogstefnum;tunarhlutverkisnu # ngjanlegatilYessaWhgtsaWhagauppbyggingusamrmiviWYarfirjafntogYtt.  $ Yessistefnum;tunaWntilhsnWismarkaWL  M  arL  M  insheildsinni,hvortsemumeraWrWa !W% leiguhsnWi,sreignireWasrstakthsnWitlaWtilteknumh;pum,L  M  svosemL  M  ԀldruWum, J""& ftluWuf;lkieWanmsmnnum.L  M  kvWikaflanseL  M  ndurspeglaYettamarkmiW. #'   ErYvlagttilaWL  M  nUjaL  M  kaflanumverWitvrnUjargreinar,14.gr.aog14.gr.b,semfjalli #( annarsvegarumhsnWisYingoghinsL  M  ԀL  M  vegarumYingslyktunumstefnum;tunsviWi $ ) hsL  M  L  M  nWismla.L  M  ViWL  M  samninguL  M  Ԁfrumvarpsinsvarhorfttil10.og11.gr.lagaumjafnastWuog v%N!* jafnanrttkvennaogkarla,nr.10/2008,YarsemfjallaWerumL  M  jL  M  afnrttisYingogYingsL  M  L  M  lyktun A&"+ umframkvmdatlunjafnrttismlum.L  M    '",   014.gr.aerkveWiWumaWrWherraskuliboWatilhsnWisYingsL  M  ԀinnanrsfralYingisL  M  L  M  ԃ '#- kosningumogafturaWtveimurrumliWnum.ErYanniggertrWfyriraWYingiWverWiaW ( jafnaWitveggjarafrestienYarskalrWherraleggjaframskUrsluumstWuogYr;un  hsnWismla.AWWruleytiergertrWfyriraWrWherrakveWihverjusinnihververkL  M  L  M  efni  Yingsinsskulivera. a   014.gr.berlagttilaWkveWiWverWiumaWrWherraskulileggjaframYingsL  M  L  M  lyktL  M  L  M  unL  M  ar T, tillguL  M  Ԁumstefnum;tunsviWihsnWismla.SkalhnlgWframinnanrsfralL  M  L  M  YingisL  M  L  M  ԃ  kosningumogveratilfjgurrarasennogfelasrverkefnisemtlaWeraWtryggjalands  mnnumruggthsnWi.ErkvWinugerWgreinfyrirYvhvaWauppL  M  L  M  lUsingumstefnu   mrkunskulibyggjaL  M  stL  M  ԀenmeWalYesssemernauWsynlegttilYessaWslkstefnumrkungeti  X veriWraunhferaWfyrirliggigreiningYrffyrirhsnWieinL  M  L  M  stkL  M  L  M  umsveitarflgum.XaW K #  erYvlykilatriWiaWsveitarflggerihsnWistlanirendaeruYaubestL  M  frumL  M  ԀaWgreina    ogspfyrirumYrfinnansinnamarka.0bWalnasj;Wurhefureinnigmikilvguhlutverki    aWgegnahvaWYettavarWarL  M  viWL  M  ԀaWsamrmaogsafnasamantlunumL  M  ԀogupplUsingumum   hsnWisml.L  M   wO    L  M  Um14.gr.        EittafmarkmiWumfrumvarpsYessaerL  M  aWskUraennfrekarhlutverk0bWalnasj;Ws   almannaYguhsnWismarkaWi.L  M  0staWYessaWsj;WurinnhafiheimildtilaWlnasvonefnd {  almennlntileinstaklingaL  M  ,L  M  einsogersamkvmtngildandilgum,verWurheimildhanstil nF aWlnaeinstaklingumtakmrkuWviWsrtklnsemverWiafmrkuWviWeinstaklingasem 9 getasUntframaWYeirL  M  fiekkilnsttanlegumkjrumvegnafasteignarhj  fjrmlaL  M  L  M  fyrirtkiL  M  ,L  M  ԀsvosemvegnastaWsetningarfasteignarinnareWaafWrumstWum.Nnar  verWurgerWgreinfyrirYeimskilyrWumathugasemdumviW1L  M  6L  M  .gr. r   ErYvlagttilaWL  M  1.tlul.L  M  1.mgr.15.gr.laganna,semfjallarumlnveitingarsj;WsL  M  L  M  insL  M  ,L  M   e= verWistaWalmennralnakveWiWumsrtklnL  M  .L  M  ԀXerlagttilaWstaW2.L  M  tlul.1.mgr.L  M   0 kominUttkvWiYarsemsj;WnumL  M  verWiL  M  ԀheimilaWaWveitalntilsveitarflagaeWaannarra  aWilatilbyggingareWakaupastofnunumsamkvmtlgumummlefnialdrL  M  L  M  aWra,  vistheimilL  M  umL  M  ԀfyrirbrnogunglingaeWaL  M  WrumL  M  ԀYj;nustustofnL  M  unumL  M  ԀlgumsamL  M  L  M  kvmt. i SambrilegarheimildirhafaveriWreglugerWnr.57/2009umlnaflokkaL  M  0L  M  bWaL  M  L  M  lnasj;Ws, \4 meWsWaribreytingum,semsettL  M  varL  M  Ԁgrundvelli16.gr.lagannaL  M  ԀsemlagtertilaWL  M  Ԁfallibrott. ' AWsamaskapierlagttilaWviW3.L  M  tlul.1.mgr.L  M  ԀbtistheimildtilaWlnavegnaendurb;ta  leigubWumskv.VIII.kaflalaganL  M  nL  M  aensheimildhefureinnigveriWframangreindri  reglugerW.L  M   `    L  M  Um15.gr. "   L  M    0greininnierlagttilaWheimildrWherratilaWbtaviWlnaflokkumverWifelldbrottenda # markmiWlagannaaWtakmarkalnveitingarsj;WsinsviWflagslegthlutverkogerYaW  $ afmarkaWskUrarenWurhefurveriW14.gr.frumvarpsYessa.UmfrekariskUringarvsast !W% tilathugasemdaviW14.gr. J""&     L  M  Um16.gr. #(     L  M  L  M  0greininnieruL  M  lagWartilbreytingar18.gr.lagannasemfjallarumskilyrWifyrirlnL  M  L  M  veit $ ) ingumtileinstaklingaogverWursj;WnumYvaWeinsheimiltaWlnaeinstaklingumgetiYeir v%N!* sUntframaWYeirL  M  fiekkilnsttanlegumkjrumvegnafasteignarhjfjrmlaL  M  L  M  fyrirtkiL  M  ,L  M   A&"+ svosemvegnastaWsetningarfasteignarinnareWaafWrumstWum.MeWYessuerveriWaW  '", tryggjaaWallirlandsmennhafiaWgangaWlnsfjrmgnuntilaWkaupasreigiWhsnWi '#- uppfylliYeirskilyrWiumgreiWslugetuogfasteigninskilyrWiumveWhfi.Erhrm.a.veriW ( aWtryggjaaWeinstaklingarL  M  ,L  M  ԀsembL  M  aL  M  ԀsvWumYarsemmarkaWsbresturerogYverfitt  annaWhvortaWflnsfjrmgnunL  M  almennteWaL  M  sttanlegumkjrumL  M  ,hafiaWgangaW  lnsfjrmagnitiljafnsviWaWra.XettagetureinnigttviWumaWraYttisemvarWa a staWsetningueignar.L  M  ErhrgertrWfyriraWumskjandiYurfiaWsUnaframsynjL  M  L  M  uneWa T, ;hagstWkjrlnveitandaogaWYausekkiaWrekjatilannaWhvortveWhfnifastL  M  L  M  eignL  M  areWa  _greiWslugetu_Ԁumskjanda.L  M      L  M  GL  M  ertL  M  erL  M  rWfyriraWnnarverWikveWiWumskilyrWisrtkralnareglugerW.L  M       L  M  Um17.gr. K #    L  M    0greininnieraWfinnabreytingar21.gr.laganna.UmskUringarviW1.tlul.vsasttil    athugasemdaviW14.og16.gr.hraWframan.      L  M  L  M  02.L  M  tlul.L  M  ԀerlagttilaWviW3.mgr.btistnUrmlsliWursemkveWiumhvernigstj;rn   0bWalnasj;WseigiaWkvarWavexti0LSveWbrfavegnasrtkralna.L  M  LagterL  M  ԀtilaWlta wO  skulitilmarkaWsvaxtatgefnumsrtryggWumskuldabrfumaWviWbttuvaxtalagiskv.28. B  gr.laganna.MeWYvaWltatilmarkaWsvaxtaerveriWaWreynaaWnframYvmarkmiWiaW    landsmennsitjiviWsamaborWvarWandiaWgangaWlnsfogL  M  lnskjrL  M  .ErYvnrtkastaW   vextirsrtkralnaverWisemnstYvsemgenguroggeristalmennummarkaWi. {  L  M    L  M  Um18.gr. 9   L  M    UmskUringarvsasttilalmennraathugasemdaogathugasemdaviW14.gr.      L  M  Um19.gr. r   L  M  L  M    0greininnierlagttilaWbttverWiviWkvWi33.gr.orWinuL  M  endurbturL  M  ,YannigaWkaflinn e= takieinnigtillnasemveitterutilendurb;taleiguhsnWisamrmiviWbreytingarYr 0 semlagWarerutilcliW14.gr.frumvarpsYessa.    L  M  Um20.gr. i     L  M  L  M  0L  M  greininniL  M  ԀertekiWafskariWumaWkvWi39.gr.umkvrWunleigugjaldsleigubWa \4 semfengiWhafilnfr0bWalnasj;WieigiekkiviWumleigubWirsemfengiWhafi ' stofnframL  M  L  M  lggrundvellilagaumalmennarbWirL  M  ,L  M  Ԁnr.52/2016.kvWiumkvrWun  leiguL  M  L  M  fjrhWarvegnaL  M  ԀleiguL  M  bWasemhafafengiWstofnframlgeraWfinna18.gr.lagaum  alL  M  L  M  mennarbWir. `    L  M  Um21.gr. " L  M      UmskUringarvsasttilathugasemdaviW5.gr.hraWframan. #   L  M  Um22.gr. !W%     L  M  L  M  0L  M  greininniL  M  ԀerulagWartilbreytingarkvWum47.gr.lagannaumafskriftir.ErL  M  ԀL  M  Yannig J""& lagttilaWstaWYessaWheimildirgreinarinnarsufengnarstj;rnsj;WsinssuYrhj #' sj;WnumsjlfumL  M  .XessibreytingertaktviW1.mgr.8.gr.clagannaYarsemsegiraWstj;rn #( 0bWalnasj;WsskuliekkitakaYttkvrWunumumafgreiWslueinstakramla,YarmeWal $ ) erulnveitingareWakvarWanirYeimtengdar,nemaumfangYeirrasverulegtmiWaWviW v%N!* strWsj;WsinseWaannaWskveWiWlgunum.XykireWlilegtaWstj;rnsj;Wsinstakiekkitil A&"+ afgreiWslueinstkmlvegnaafskriftanemaYeimtilvikumYarsemumfangYeirras  '", verulegtmiWaWviWstrWsj;Wsins.L  M   '#- L  M    XerL  M  ԀlgWtilbreyting6.mgr.47.gr.umheimildtilaWsemjaviWflageWaflagaL  M  L  M  samtk ( umniWurfellinguhlutaskuldaYeirragegnL  M  greiWslueftirstWvumvanskila,endasniWur  fellingskuldaliWursamrmdumaWgerWumkrfuhafatengslumviWheildarendurL  M  L  M  Ԃskipulagn  ingufjrmlumviWkomandi.L  M  Ԁ0L  M  ԀkvWinuL  M  erL  M  gertrWfyriraWtillagaYessefnisssendtil a umsagnarrWuneytishsnWismlaogrWuneytisfjrmlaaukRkisendurskoWunaroger T, heimildsj;Wsinstil_afskrifta_ԀhWsamYykkiYessaraaWila.ErlagttilaWfellL  M  durL  M  ԀverWir  lgunumskilnaWurumsamYykkiRkisendurskoWunarendasamrmistslkttplega  hlutL  M  L  M  verkistofnunarinnareinsogYaWerskilgreint1.gr.lagaumrkisendurskoWunL  M  ,L  M  Ԁnr.   86/1997L  M  ,og1.gr.laganr.46/2016,um_rkisendurskoWanda_ԀogendurskoWun_rkisreikninga_L  M  .  X EftirsemWurmunY;heimildsj;WsinsveraL  M  hWsamYykkitveggjarWuneyta.L  M   K #    L  M  Um23.gr.      L  M  L  M    0L  M  greininniL  M  ԀeraWfinnabreytingarkvWum48.gr.semfjallarumgreiWsluvanda.0fyrsta   lagierL  M  uL  M  ԀlagWartilbreytingar1.mgr.semfelastYvaWeinfaldaorWalaggreinarinnarL  M  ,m.a. wO  YannigaWhntakitilallralnasemveitthafaveriWeinstaklingum,;hW_lnaflokkum_,L  M  Ԁog B  staWYessaWstj;rnsj;WsinssufengnarheimildirtilskuldbreytingarverWisj;Wnumsjlfum    fenginsheimildL  M  ԀsamrmiviW1.mgr.8.gr.claganna.L  M  ԀL  M  XerfelltrgreininniskilyrWium   aWgreiWsluvandistafiaf;vntumtmabundnumerfiWleikumvegnaveikinda,slysa,minni {  atvinnueWaatvinnuleysiseWaafWrum;fyrirsWumatvikum.L  M  ԀXessstaWergertrWfyriraW nF rWherrasetjiskilyrWifyrirbeitingu_greiWsluvandarrWa_ԀreglugerW.L  M   9   0WrulagieraWfinnabreytingL  M  arL  M  ԀL  M  1.mlsl.2.mgr.og1.mlsl.4.mgr.semmiWaaWsama  markiogbreytingar1.mgr.YannigaWfellderbrotttilvsunsem_skilyrWir_ԀstWur  greiWsluvandaogtilvsuntilupprunaeWategundarlnasleppt. r   XerutekintkvWiumaWheimildirnarsueingnguhjstj;rn0bWalnasj;Wsog e= breyttYannvegaWYrsuhj0bWalnasj;Wi. 0   AWlokumerlagttilaWviW8.mgr.btistaWrWherrasetjijafnframtreglurumfrekari  skilyrWifyrirbeitingurrWaaukYessaWsetjareglurumframkvmdkvWisinseinsog  ngildandikvWilagannakveWurum.L  M   i L  M    L  M  Um24.gr. '     L  M  L  M  0kvWinuerulgWtilbreytinggjaldtkuheimildlagaL  M  nL  M  nalj;sibreyttshlutverks  sj;WsinssamkvmtfrumvarpiYessu.ErYL  M  vL  M  ԀlagttilaWstaWYessaWrWherrasetjiL  M  meW  reglugerWL  M  kvWiumgjaldtkusj;WsinsverWistj;rnsj;WsinsheimilaWaWinnheimtagjld `  L  M  fyrirL  M  ԀveittaYj;nustu.XL  M  auL  M  ԀskuluY;ekkiverahrrienL  M  kostnaWursemhlUstafYvaWveita S+! Yj;nL  M  L  M  ustunaL  M  ,L  M  ԀensreglaersamrmiviWhefWbundnarreglurum_Yj;nustugjld_.X;verWur " heimiltaWL  M  dreifaL  M  ԀkostnaWiskuldaraYannigaWbsetahafiekkihrifkostnaWinn,ens # reglaL  M  ersamrmiviWYaWL  M  ԀflagslegahlutverksemframanhefurveriWrakiW,aWreynaeftir  $ fremstmegniaWtryggjaaWlandsmennsitjiviWsamaborWhsnWismlum.L  M   !W%   L  M  Um25.gr. #'  @     L  M  L  M  0kvWitilbrWabirgWa_IX_ԀL  M  lagannaL  M  erfjallaWumknnunleigumarkaWi.0frumvarpi #( YessueraWfinnatarlegrikvWienWurumgreiningarYrfhsnWi,bWivegum $ ) 0bWalnasj;Wsogsveitarflaga.XerfjallaWumfjrmgnunuppbyggingL  M  arL  M  leiguhsnWiL  M  sL  M   v%N!* _nUsamYykktum_ԀlgumumalmennarbWirL  M  ,L  M  Ԁnr.52/2016,en_tdeiling_Ԁfjrmunaskalm.a. A&"+ byggjaL  M  stL  M  Ԁ_hsnWistlunum_ԀsveitarflagannaogmatiYrffyrirleiguhsnWi.L  M  XaWeL  M  rYv  '", ekkilengurYrfYessukvWi. '#- Ї  L  M  Um26.gr. (  @   L  M  L  M    kvWiWYarfnastekkiskUringa.  L  M    L  M  UmkvWitilbrWabirgWa. a     L  M  EittstrstavandamliWsem0bWalnasj;WurglmirviWer_uppgreiWsluvandinn_Ԁsemfelst T, YvaWsj;WurinngeturekkigreittuppfjrmgnuntilsamrmisviW_uppgreiWslur_Ԁlnum  semsj;Wurinnhefurveitt._UppgreiWslur_ԀlnumskaWafjrhag0bWalnasj;WsogYarmeW  rkisins.XaWerYvmikilvgtaWsj;WurinnhafiheimildirtilYessaWkomavegfyrireWa   dragarhrifumuppgreiWslnaeinsogkosturertilaWtakmarkatj;nsj;Wsinsogrkisinseins  X oghgter. K #    0kvWitilbrWabirgWaerlagttilaW0bWalnasj;WurfiheimildtilYessaWendur    fjrmagnalnsemsj;WurinnhefurYegarveittmeWnUjum_tlnum_.Heimildinnreingngu    tillnasem0bWalnasj;WurhefurveittfyrirgildistkulagaYeirrasemrWgerteraWsetja   meWfrumvarpiYessuogYaraWleiWandieingngutilnverandiviWskiptavinasj;Wsins.Xer wO  heldurekkigertrWfyrirYvaWaukaviWYrlnveitingar.TakmarkiWeraWsj;Wurinnhafi B  heimildtilaWbregWastviWuppgreiWslulnameWYvaWveitanUttlnm;tiog_endurfjrfesta_    fyrirYfjrmunisemkomatilvegnauppgreiWslna,endavrimeWYvveriWaWtakmarkaYaW   tj;nsemsj;WurinnyrWiannarsfyrir.Xannigmundisj;WurinnhvorkihafaheimildtilaW {  endurfjrmagnalnsemveitterueftir_gildistkuna_ԀntilaWendurfjrmagnalnfrWrum nF lnastofnunum;hWYvhvenrYauvoruveitt. 9   Xessitillagabyggistm.a.3.mgr.11.gr.lagannaYarsemsegiraW0bWalnasj;Wurskuli  haldajafnvgimilliinnog_tgreiWslna_Ԁsj;WsinsenmeWYvertluninaWlgmarkahttu  rkissj;Wsafskuldbindingumsj;WsinsmeWvirkrifjrog_httustUringu_.L  M   r   L  M  L  M  L  M  FylgiskjalI.  h@AU?) dE? A^h@       L  M  L  M    YfirlUsing  rkisstj;rnarumhsnWisml.   L  M  (28.ma2015.) `   @     Rkisstj;rn0slands,samvinnuviWSambandslenskrasveitarflaga,AlYUWusamband " 0slands,Bandalagstarfsmannarkisogbja,Bandalaghsk;lamanna,Kennarasamband # 0slandsogSamtkatvinnulfsins,skuldbindursigtilaWskapabttskilyrWifyriruppbyggingu  $ _hsnWismarkaWi_.StuWlaWverWuraWYvaWlandsmennhafiaukiWvalum_bsetuform_Ԁogbi !W% viWmeiraryggihsnWismlumsamrmiviWYarfirhversogeins,einkum_tekjulgar_ J""& fjlskyldur.Rkisstj;rninlUsirYvyfiraWhnmunitakauppviWrWurviWSambandslenskra #' sveitarflagL  M  a,ReykjavkurborgogfleirisveitarflgmeWYaWaWmarkmiWiaWhrinda #( framkvmdeftirfarandiaWgerWum: $ )  _ikmo(00"i(m"  i(m.G2  1  .3  Ԉ0    Fjlgun_hagkvmra_Ԁog;dUrrabWa.i(m.G[G݌v%N!* Ќ  "m"  mUH0  0 2!3  Ԉ0v  L  M  LagWurverWurgrunnuraWnUjuflagslegu_leigubWakerfi_ԀYarsemlgWverWur A&"+ herslaaWfjlgahagkvmumog;dUrumbWumtilaWtryggja_tekjulgum_  '", fjlskyldumleiguhsnWitillengritma.Flagslega_leigukerfiW_ԀverWurfjrmagnaW '#- meW_stofnframlgum_ԀrkisogsveitarflagaogmeWbeinum_vaxtaniWurgreiWslum_ ( rkisinssemnema_nvirt_Ԁum30%afstofnkostnaWi.Slktframlagrkisog  sveitarflagattiaWjafnaWiaWleiWatilYessaWleigaeinstaklingsmeWlgartekjur  nemiekkihrrahlutfallien20!25%aftekjum.LgaWilarsemhyggjastbyggjaog a rekaflagslegtleiguhsnWigetaveriWsveitarflgogflgeWaflagasamtksem T, ekkierurekin_hagnaWarskyni_ԀoghafaYaW_langtmamarkmiW_ԀaWbyggja,eigaoghafa  umsj;nmeWrekstrileiguhsnWissemeingnguertlaW_leigjendum_Ԁundir  kveWnum_tekju_Ԅog_eignamrkum_.SettarverWiskorWurfyrirYvaWhgtverWiaW   takabWirtrflagslega_leigukerfinu_ԀenverWislktheimiltverWasettinnkvWi  X umrWstfun_sluhagnaWar_.mUHH݌K # vv Ќ  "m"  mgP0  0 2!3  Ԉ0v  L  M  RWistverWurtakumbygginguflagslegraleigubWa.StefnteraWYvaWbyggja    2.300bWirnstufj;rumrum,Y.e.runum2016!2019,Y;aWhmarki600    bWirri.AWYvloknuverWurmetinYrfframhaldandiuppbygginguflagslegs   leiguhsnWis,m.a.aWteknutillititilstWuopinberrafjrmla.herslaverWur wO  bWirafh;flegristrWogaWtryggWverWiflagslegblndun_leigubWunum_.mgPP݌B vv Ќ  "m"  mS0  0 2!3  Ԉ0v  L  M  MiWaWverWurviWaWtekjurbaverWilgstutveimur_tekjufimmtungum_ԀYegarflutt    erinnhsnWiW.XannigverWi_tekjulgum_Ԁfjlskyldum,semhingaWtilhafaekkitt   kostbWumflagslegukerfisveitarflaganna,veitturaWganguraW;dUruog {  rugguleiguhsnWi.EkkiergertrWfyrirbreytingumnverandiforgangsrWun nF sveitarflagannagagnvartskj;lstWingumflagsYj;nustunnareWaforgangsrWun 9 gagnvart_nmsmannabWum_,enviWfrekariforgangsrWunviWthlutunhsnWistil  f;lksvinnumarkaWiverWurhorftsrstaklegatil_barnafjlskyldna_Ԁogheimila  verulegumfjrhagsvanda.SettarverWareglurumYaWmeWhvaWahttiheildarfjlda r _heimL  M  L  M  ilaWra_ԀflagslegrabWaverWiskiptmilli;lkra_markh;pa_ԀogframkvmdaraWila.mSS݌e=vv Ќ  "i(m"  L  M  i(mY2  2  .3  Ԉ0    L  M  AukiWframboWhsnWisoglkkunbyggingarkostnaWar.i(mYZ݌0 Ќ  "m"  m[0  0 2!3  Ԉ0v  AfhlfuhinsopinberaverWurallanhttgreittfyriraWhgtverWiaWtakauppsem  _hagkvmastar_ԀaWferWirviWbWabyggingarYvskyniaWlkkabyggingarkostnaW.  EndurskoWun_byggingareglugerW_ԀerYarmeWalogskipulagslg.m[0[݌ivv Ќ  "m"  mn]0  0 2!3  Ԉ0v  L  M  ViWendurskoWun_byggingarreglugerWar_ԀverWitekinninnnUrflokkurmannvirkjasem \4 undanYeginnverWikvWumreglugerWarum_altka_Ԁhnnun.XarverWieinkumhorft ' tilsmrriog;dUraribWa.mn]]݌vv Ќ  "m"  m_0  0 2!3  Ԉ0v  L  M  Gjaldtakasveitarflagavegnal;WaoggatnagerWargjaldaverWurskoWuWmeWYaWfyrir  augumaWlkkabyggingarkostnaW.m__݌` vv Ќ  "i(m"  i(mpa2  3  .3  Ԉ0    StuWningurviWalmennan_leigumarkaW_.i(mpaa݌S+! Ќ  "m"  mb0  0 2!3  Ԉ0v  L  M  L  M  TilaWlkkafrekar_hsnWiskostnaW_Ԁefnaminni_leigjenda_ԀverWa_hsnWisbtur_ " hkkaWarrunum2016og2017._GrunnfjrhW_Ԁog_frtekjumark_ԀverWahkkuWmeW # hliWsj;naftillgumsemhafaveriWtilmeWferWarhjstj;rnvldum._HsnWisbtur_  $ og_frtekjumrk_ԀmunutakamiWaffjlda_heimilismanna_.mbb݌!W%vv Ќ  "m"  mFf0  0 2!3  Ԉ0v  L  M  SkattlagninguteknaafleigubWaeigueinstaklingaverWurbreyttYeimtilgangi J""& aWlkkaleiguverWogaukaframboWleigubWa.mFfsf݌#'vv Ќ  "m"  mg0  0 2!3  Ԉ0v  L  M  StefntverWuraWsrstkumlagalegumrWstfunumfyrirfyrirtkitilaWhvetjatil #( langtmaleigusamningaogbtaYannig_bseturyggi_ԀalmennummarkaWi.mg$h݌$ )vv Ќ  "i(m"  L  M  i(mi2  4  .3  Ԉ0    StuWningurviWkaupfyrstubW.i(mij݌v%N!* Ќ  "m"  mj0  0 2!3  Ԉ0v  L  M  L  M  KomiWverWurtilm;tsviWYsemkaupasnafyrstubW.HvattverWurtilsparnaWar A&"+ meWYvaWYeirsemsparaWhafatilgreint_hmarkshlutfall_Ԁaftekjumtiltekinntma  '", getitekiW_sparnaWinn_Ԁt_skattfrjlst_,t.d.YannigaWunguf;lkiverWiheimiltaWnUta '#- sreignarsparnaWsem_eiginfjrframlag_ԀviWkaupfyrstubW.MikilvgteraW ( upphW_vaxtab;ta_Ԁog_skerWingarkvWi_ԀaWstoWieinkumfjlskyldurundir  meWaltekjum.mj"k݌vv Ќ  "m"  m3o0  0 2!3  Ԉ0v  L  M  UmfasteignalntilneytendaverWasettsrlgoglnveitendumveittsvigrmtilaW a horfatilfleiriYttaenniWurstWu_greiWslumats_ԀviWkvrWunumlntku.m3o`o݌T,vv Ќ  L  M    UnniWverWurL  M  aWframangreindummarkmiWum_samrWsh;pi_Ԁrkis,sveitarflagaog  heildarsamtakaaWilavinnumarkaWimeWhliWsj;naffyrirliggjandivinnustj;rnvaldaviW  umbtur_hsnWismarkaWi_ԀoghugmyndumsemkomiWhafaupp_samrWsh;pnum_.ViWYaW   ermiWaWaWfrumvarpum_hsnWisbtur_ԀverWilagtfyrirvorYing2015ogaWnnurfrumvrp  X semnauWsynlegerutilaWframangreindmarkmiWniframaWgangaverWilgWfram K #  haustYingi2015ogafgreiddfyrirram;t.      UnniWverWurframaWbreyttufyrirkomulagifjrmgnunaralmennrahsnWislna.0Yv    efniverWurtekiWmiWaftillgum_verkefnastj;rnar_ԀumframtWarskipanhsnWismla,nUrri   _veWlnatilskipun_ԀESBogggnumum_rekstrarforsendur_ԀnUrra_hsnWislnaflaga_ԀogstWu wO  0bWalnasj;Ws. B  L  M    FylgiskjalII. {   nFAU?) dE? A^nF   nF     L  M  GreinargerWogmeginsj;L  M  nL  M  armiW_teymis_Ԁ4 r umhlutverkstj;rnvaldaveitinguYj;nustualmannaYgu e= _hsnWislnamarkaWi_ 0   L  M  L  M    vegum_samvinnuh;ps_Ԁumm;tun_framtWarskipulags_ԀhsnWismlavarteymi4faliWaW  kannameWhvaWahttistj;rnvldgetisinntafmrkuWuhlutverkisemfelstveitingu i Yj;nL  M  L  M  ustualmannaYgu_hsnWislnamarkaWi_.L  M   \4 L  M  _TeymiW_ԀskipuWueftirtaldireinstaklingar: '  L  M  BolliX;rBollason(fundarstj;ri,verkefnisstj;rnumframtWarskipanhsnWismla),  DanelHafsteinsson(_Bmnnum_),  ElnHirst(YingflokkiSjlfstWisflokksins), `  GesturGuWj;nsson(YingflokkiBjartrarframtWar), S+! GuWbjarturHannesson(YingflokkiSamfylkingarinnar), " GylL  M  fL  M  i_Arnbjrnsson_Ԁ(AlYUWusambandi0slands), # Halld;rAuWarSvansson(Yingflokki_Prata_),  $ Halld;rrnason(Samtkumatvinnulfsins), !W% J;nnaS.Lrusd;ttir(Samtkumfjrmlafyrirtkja), J""& :lfBirnaBjrnsd;ttir(YingflokkiFrams;knarflokksins), #' SigurbjrnSkarphWinsson(Flagifasteignasala), #( SoffaGuWmundsd;ttir(0bWalnasj;Wi), $ ) TryggviX;rhallsson(Sambandislenskrasveitarflaga), v%N!* VilhjlmurBjarnason(Hagsmunasamtkumheimilanna)og A&"+ _X;rnU_ԀK.Sigmundsd;ttir(L  M  Samtkum_leigjenda_L  M  ).L  M    '",    '#-  L    M  _Fundaritarar_ԀL  M  voru_Lsa_ԀMargrtSigurWard;ttirogSigrn_Jana_ԀFinnbogad;ttir,lgfrW ( L  M  L  M  ingarvelferWarrWuneytinu,ogHelgaMaraPtursd;ttir,hagfrWingurvelferWar  rWuL  M  L  M  neytL  M  L  M  inu.L  M      FL  M  yrstifundur_teymisins_Ԁvarhaldinn6.n;vember2013ogallshlt_teymiW_Ԁ8fundi,hinn a sWasta22.janar2014YarsemYessigreinargerWvarrddogsamYykktmeWfyrirvaraL  M  Ԁum T, b;kanireinstakrafulltra.    L  M  :skaWvareftirYvaW_teymiW_ԀskilaWistuttrigreinargerWoghugmyndumsembyggWu  meWalannarsYeirrivinnusemYegarhefWiveriWunnintengslumviWverkefni_teymisins_.   EnnL  M  ԀL  M  fremuraWhafamttihliWsj;nafgreiningurWgjafarfyrirtkjannaKPMGehf.og  X _AnaL  M  L  M  lytica_Ԁehf.umnokkravalkostiL  M  hsnWismlumsemverkefnisstj;rnumframtWarskipan K #  hsL  M  L  M  nWisL  M  L  M  mlahefWi;skaWeftir.XarvorueftirtaldarsviWsmyndirsrstaklegatilgreindar:L  M  Ԁ     q(#30_ikmo"i(m"  i(mw2#  1  .3  Ԉ0    L  M  Stofnun_heildslubanka_Ԁoghlutverk0bWalnasj;Ws_einskorWist_ԀviWaWveitafL  M  L  M  lagsL  M  L  M  leg    ln.Sj;WurinnhafiY;heimildtilaWveitaalmennlntilaWbregWastviW_markL  M  L  M  aWsL  M  L  M  bresti_.i(mw݌  Ќ  "i(m"  i(mY2#  2  .3  Ԉ0    L  M  ?DanskaleiWin ,sbr.tillgur_AS0_.i(mY݌wO  Ќ  "i(m"  i(m2#  3  .3  Ԉ0    L  M  Sameining0bWalnasj;WsogLandsbankans.L  M  i(mō݌B  Ќ  "i(m"  i(mю2#  4  .3  Ԉ0    L  M  L  M  RkiWdragisigtaf_hsnWislnamarkaWnum_Ԁogleggi0bWalnasj;WniWur.i(mю݌   Ќ    L  M  _RWgjafarfyrirtkjunum_ԀvarsjlfsvaldssettnnaritfrslaYvhvernigYaukysuaW   nlgast_greiningarvinnuna_,YarmeWalaWgeratillgurumaWravalkostisemYauteldu {  L  M  heppilegaog_fUsilega_ԀaWskoWa. nF   L  M  XaWvarfrupphafilj;staWvinna_teymisins_Ԁtengdist;hjkvmilegahugsanlegumbreytL  M  L  M  ԃ 9 ingumfyrirkomulagifjrmgnunaralmennrahsnWislnaY;ttYaWviWfangsefnivriekki  verksviWi_teymisins_Ԁ(umYaWvarfjallaWteymi1).XaWvarYvkveWiWaWL  M  ;skaeftir  kynninguUmsumhugmyndumogtillgumsemframhafakomiW.L  M   r   L  M  XannigkynntiGunnarTryggvason,formaWurstarfsh;psvegumvelferWarrWuneytisins e= umframtWarhorfurogframtWarhlutverk0bWalnasj;Ws,helstuniWurstWursemframkomu 0 skUrslusemstarfsh;purinnskilaWiaprl2013.L  M      L  M  Gylfi_Arnbjrnsson_,forseti_AS0_,kynnti?dnskuleiWina svoklluWu.L  M      L  M  _Bjarnveig_ԀEirksd;ttir_hdl_._LL.ML  M  ._L  M  ,srfrWingurEvr;purtti,kynntirkisaWstoWarreglur i EESsamningsinsmeWtillititilstarfsemi0bWalnasj;Ws.L  M   \4   L  M  SoffaGuWmundsd;ttir,sviWsstj;rieinstaklingssviWshj0bWalnasj;Wi,kynnti ' framtWarsUn0bWalnasj;Ws.L  M      L  M  _Svanbjrn_ԀThoroddsen,rWgjafihjKPMG,kynntihelstuniWurstWurskUrsluKPMGum  framtWarskipanhsnWismla.L  M   `    L  M  LoksgerWifundarstj;rinstsWastafunditeymisinsstuttlegagreinfyrirYeim S+! efnisL  M  L  M  atriWumrdrgumaWgreinargerWAnalyticaehf.semsnertubeinlnisverkefniteymisins " ogYeimvarsWandreifttilallrafulltrafyrir_lokafund_Ԁ_teymisins_.L  M   # L  M      L  M  UmrWateymisinsumhelstuvalkosti !W%    L  M    FulltrarteyminuvorualmenntsammlaumaW;breytthsnWislnakerfiYarsem J""& 0bWalnasj;WurhldiframaWlnaalmennhsnWislnmeWrkisbyrgWnnokkurra #' takL  M  L  M  markanavriekkivalkostur.EinsogframkomfyrrnefndrikynninguBjarnveigarY #( samL  M  L  M  rmdistveitingslkralnaekkiskuldbindingumslenskarkisinssamkvmt $ ) rkisL  M  L  M  aWstoWarL  M  L  M  reglumsamningsinsumEvr;pskaefnahagssvWiWmeWansj;WurinnnUtur v%N!* rkisL  M  L  M  aWstoWarUmsuformi,einkumrkisbyrgWar.UmrWurfL  M  undumteymisinshafaeinkum A&"+ beinstaWeftirfarandisviWsmyndumenY;hafakomiWframsj;narmiWumaWfleiri  '", sviWsL  M  L  M  myndirkmujafnframttilgreina:L  M   '#-  hijklmnop(03q"h"  XK( F NV^ ?vbKISIS,.  L  M  h92  a  )3      DregiWverWirstarfsemi0bWalnasj;WsognUhsnWislntakmrkuWviW ( flagslegthlutverkoglnveitingarYarsemmarkaWsbresturerfyrirhendi.Hrhefur  meWalannarsveriWhorfttilnorskaHsbankans(Husbanken)semhugsanlegrar  fyrirmyndar.h9݌ a Ќ X-?vbX- IS,.IS,.  "h"  XK( F NV^ ?vbKISIS,.  hd2  b  )3      L  M  Rekstri0bWalnasj;WsverWihttogaWriraWilarsinnillumhsnWislnum. T, FlagsL  M  L  M  legumogbyggWarlegummarkmiWumstj;rnvaldahsnWislnamarkaWiverWi  mttt.d.meWalYj;nustukvWogWrumbeinumaWgerWumrkisinsnmilligngu  lnastofnunareigurkisins,t.d.samstarfiviWsveitarflg.hd݌   Ќ X-?vbX- IS,.IS,.  "h"  XK( F NV^ ?vbKISIS,.  h2  c  )3      L  M  L  M  0bWalnasj;WurverWiframvirkuralmennumhsnWislnamarkaWimeW  X lnveitingumnrkisbyrgWarogannarrarrkisaWstoWar.Sj;Wurinnveitiekkilengur K #  Yj;nustualL  M  L  M  mannaL  M  L  M  YguhsnWislnamarkaWi,(e.servicesofageneraleconomic    interest),heldurverWirkiogsveitarflgumfaliWaWsinnaYvhlutverkimeWWrum    httiengerthefurveriWframtilYessa.L  M  h݌   Ќ X-?vbX- IS,.IS,.    L  M  L  M  UmrWanumvalkostia)ogb)hefuraWallegasnistumhvortnauWsynlegtsaWrkiW wO  halditisrstakristofnuntilaWsinnaflagslegummarkmiWumstj;rnvalda B  hsL  M  L  M  nWisL  M  L  M  mlum. L  M  ԀL  M  SkoWanirhafaveriWhrnokkuWskiptarogtelurteymiWfrekarigreiningu    nauWL  M  L  M  synL  M  L  M  legaYvmeWhvaWahttirkiWgetiveittYj;nustualmannaYgu   hsnWislnaL  M  L  M  markaWimeWbeinumhttifremurenmeWmilligngulnastofnunareigu {  rkissj;Ws.EinsskiptirmlihverYrfvrifyriraWkomuopinberraaWilasvWumYarsem nF aWstWurbyWuekkiuppmarkaWslausnirviWfjrmgnunbyggingueWakaupum 9 bWarhsnWi,hvortsemertileignareWatleigu.XarsemslkurmarkaWsbresturvrifyrir  hendiskiptirmeginL  M  L  M  mliaWframL  M  L  M  tWarskipanfjrmgnunarhsnWismarkaWigeriopinL  M  L  M  berum  aWilumkleiftaWbregWastviW,t.d.meWalYj;nustukvW,semskuldbindamyndi r fjrmlastofnanirmeWlgumtilaWveitahsnWislnstarfssvWisnu,aWYvtilskilduaW e= lnYegarstandistgreiWslumat.JafnframthefurveriWbent,meWalannarsgreinargerW 0 KPMG,aWsamvinnusYrfmillirkisogsveitarflagatilaWtryggjamegiframboWalmenns  flagslegshsnWiserfiWummarkaWssvWum.0YessusamhengierbentreynsluDanaaf  samspilirkisins(vaxtaL  M  L  M  niWurL  M  L  M  greiWsla),sveitarflaga(stofnkostnaWarframlg)og i hsnWisL  M  L  M  lnastofnana(hagL  M  L  M  stWL  M  L  M  ustulnaL  M  L  M  kjr)tilaWmtaYrffyriralmenntflagslegt \4 hsnWi(sbr.greinargerWKPMG).VerWisleiWfarinhrlendismvntaYessaWmeWtW ' ogtmamunibyggjastuppflugflg,semstarfigrundvelliYesslangtmamarkmiWsaW  tryggjavaranlegtogstWugtframboWhsnWislandsvsu.L  M      L  M  0skUrsluAnalyticaehf.erdregiWefaaWflagslegthlutverk0bWalnasj;Wssngilega `  skUrtskilgreintogafmarkaWogbentaWhlutverknorskaHsbankansst.d.talsvertskUrara. S+! XervarpaWframspurningumumhvort0bWalnasj;WursYaWfyrirtkisemsbestfalliW " tilaWleysahiWflagslegahlutverkoghvortframlagtilhansvegnaYessshagL  M  L  M  kvmt.SvariW # viWYeirrifyrrishWnkvmrip;litskriskilgreininguflagsleguhlutverkiensvariWviW  $ YeirrisWaristorveldaraYarsemraunverulegtframlagrkisinstilsj;Wsinssekkiauglj;st. !W% JafnframterYarbentaWunntsaWsinnahinuflagslegahlutL  M  L  M  verkimeWstarfrkslu3 J""& rkisstofnunareWaafhlfueinkaaWilasemerfalinYj;nustangrunnialYj;nL  M  L  M  ustuL  M  L  M  kvL  M  aWar, #' gjarnankjlfartboWs.L  M   #(   L  M  UmrWanumvalkostc)hefureinkumsnistumYaWhvortrkiWeigiaWrekasrstakan $ ) sj;WeWabankatilaWlnatilalmennrabWakaupasamkeppniviWbankaogaWrar v%N!* einkareknarfjrmlastofnanir. L  M  ԀHrhefurannarsvegarkomiWframYaWsj;narmiWaWhrif A&"+ bankahrunsinslnveitingartilbWakaupaYarsemverulegahafidregiWrlnveitingumtil  '", hsnWiskaupavegumbankanna,a.m.k.fyrsteftirhruniW,ogaW0bWalnasj;WurhafiYurft '#- aWbregWastviWfyrirliggjandimarkaWsbrestimeWauknumumsvifumhsnWislnamarkaWi ( sUniaWekkishgtaWtreystaalfariWeinkarekinnhsnWislnamarkaWheldurYurfirkiW  aWhafaruggaaWkomuaWmarkaWnum.Xvsj;narmiWihefurSFFhinsvegarm;tmltog  Yvertm;titaliWaWbankarnirhafihaldiWframaWbj;WaframbWalneftirhruniWenhafi a ekkigetaWveittjafnhagstWkjrog0bWalnasj;Wur.L  M   T, L  M    m;tisj;narmiWumumaWrkiWYurfiaWrekasrstakansj;WtilalmennrabWakaupavar  bentslmafjrhagsstWu0bWalnasj;WssemhafikallaW;mldfjrframlgrrkissj;Wi  semekkisjifyrirendann.Hrvarreyndarbenttvomismunandikosti.AnnarsvegaraW   ekkisstWatilaWinnleiWanUtthsnWislnakerfiYarsembankarogaWrar  X fjrL  M  L  M  mlaL  M  L  M  stofnanirsuvelfrumaWsinnahsnWislnamarkaWnumeinsogsjistbestYv K #  aWmarkaWshlutdeildYeirranUjumtlnumsnumogyfir80%.EinnigvarbentYann    mguleikaaWlgfestaskyldufjrmlafyrirtki,semveitahsnWisln,aWveitaslka    Yj;nustustarfssvWisnu.HinsvegaraWnauWsynlegtsaWnUiraWilarkomiinn   markL  M  L  M  aWinntilYessaWskapatraustmarkaWnum.XarereinkumbentinnleiWingu wO  lnatilhgunarsembyggirdanskahsnWislnakerfinumeWstofnunsrstakra B  hsnWislnaflagasemeingngusinnilnveitingumtilhsnWiskaupasemvru    fjrmagnaWarmeWtgfubrfamarkaWihverjusinni.     L  M  MEGINSJ:NARMIV_TEYMISINS_ nF    L  M    FramangreindarumrWurvettvangiteymisinshafaleitttileftirfarandi_meginL  M  L  M  sj;narL  M  L  M  miWa_:L  M   9 ! ! q(#30hijklmnop"i(m"  L  M  L  M  L  M  i(m2#  1  .3  Ԉ0    TekiWverWisrstaklegafortWarvanda0bWalnasj;WsYannigaWhannverWialfariW  skilinnfraWgerWumsemltaaWframtWarskipanhsnWislnamarkaWi.HrverWitil  dmishorfttiltillagnarWgjafarfyrirtkjannaumaWstarfsemi0bWalnasj;Ws r nverandimyndverWilgWafogumsUslalnasafnsogskuldbindingasj;WsinsverWisett e= srstakanfarveg.L  M  i(m݌0 Ќ  "i(m"  i(m2#  2  .3  Ԉ0    L  M  L  M  OpnaWverWifyrirmguleikastofnunsrstakrahsnWislnaflaga,t.d.aWdanskri  fyrirL  M  L  M  mynd,YarsemherslaverWilgWaWjafnvgirkimilligreiWsluflWis  hsL  M  L  M  nWislnaogfjrmgnunarYeirra.L  M  i(m݌i Ќ  "i(m"  i(mh2#  3  .3  Ԉ0    L  M  L  M  AWkomurkisinsaWslkufyrirkomulagimttitryggjameWstofnunhlutaflagssemveiti \4 almennhsnWislnmarkaWsvxtumnrkisbyrgWar.4FulltrarSFFogSAlUstusig ' afar;sammlaYeirrihugmyndaWrkiWkmiaWhsnWislnamarkaWimeWstofnun  hlutaflagssemveitialmennhsnWisln,beinnisamkeppniviWalmennar  lnastofnanir.MfrafyrirYvrkaWslkbeinaWkomarkisinsopnum `  samkeppnismarkaWigetiorWiWtilYessaWhamlaYr;unogframgangiskilvirksog S+! hagkvmshsnWislnamarkaWar.StalinhttaaWalmennarlnastofnanirsinniekki " llulandinustarfsemisinniereinfaldaraaWleysaYaWmeWkvWumYj;nustu # annaWhvortlgumeWasamningumviWalmennarlnastofnanir.FulltriAS0taldihins  $ vegarafarmikilvgt,aWYvgefnuaWfortWarvandi0bWalnasj;WsverWileysturmeWYv !W% aWskiljaYaulnogYauundirliggjandiskuldabrfsemstandaaWL  M  bakifrefnahags J""& reikningi0bWalnasj;Ws,aW0bWalnasj;WurstarfiframYessummarkaWi.XaWeru #' einfaldlegaenginefnislegrkfyrirYvaWhannhverfiafmarkaWi,Y;YaWkunniaWvera #( rkfyrirYvaWjafnasamkeppnisskilyrWigagnvartbnkunum.AS0setursigYvalfariW $ ) gegnYeirrihugmyndaWsj;WurinnverWilagWurniWur.AWmatifulltra0bWalnasj;Ws v%N!* ereinnigafarmikilvgtaWrkiWYurfiaWkomaaWhsnWislnamarkaWi.Xrttfyrir A&"+ fullyrWingarSFFumaWfjrmlafyrirtkiYj;nillulandinuteljihannaWsagansegi  '", annaWogekkishgtaWtryggjaryggiogfjrmgnuntilbsetualmenningsannan '#- httenmeWaWkomurkisins.i(mh݌( Ќ  "i(m"  L  M  i(m-2#  4  .3  Ԉ0    ViWmataWkomurkisinsaWflagsleguhsnWislnakerfiYarsemmeWalannarser  horfttillnveitingatillandssvWaYarsemmarkaWsbresturvrifyrirhendiog  flagslegraleigubWameWsrstakrifyrirgreiWslu/vilnunumfrrkinuermeWalannars a benttillgurgreinargerWKPMGumaWlklegaYurfimilligngusveitarflagaeWa T, einhverskonarsamvinnurkisogsveitarflagatilaWnmarkmiWumstj;rnvaldaum  veitinguhsnWislnaerfiWummarkaWssvWum.0Yessusamhengiert.d.bent  reynsluDanaogNorWmanna.i(m-n݌  Ќ  L  M  L  M    L  M  L  M  L  M  FylgiskjalIII.     [ AU?) 5dE? 5A^  [       L  M  Mathrifumfjrhagsveitarflagaskv.129.gr. wO  _sveitarstj;rnarlaga_,nr.138/2011. B     L  M  L  M    FrumvarpiWerliWurinnleiWinguframtWarskipanhsnWismla.Meginefnifrum   L  M  L  M  varpsinsvarWarbreytthlutverk0bWalnasj;Ws(_0LS_)tilsamrmisviWkvWilagaum {  _stofnframlg_Ԁrkisogsveitarflaga.Xerfrumvarpinuskerpthlutverki_0LS_,sveitarflaga, nF rWuneytisinsogAlYingishvaWvarWarstefnum;tunogtlanagerWhsnWismlum. 9   LgbundnumverkefnumsveitarflagahsnWismlumerlUstmeWL  M  nokkuWL  M  ԀWrumhtti  engildandilgum.JafnframterstaWamlaflokksinsstj;rnkerfisveitarflagaaWlguWaW  YeirriYr;unsemorWiWhefurlagaumhverfisveitarflaga,einkummeWsetningu r _sveitarL  M  L  M  stj;rnarL  M  L  M  laga_L  M  ,L  M  Ԁnr.138/2011.L  M   e=   kvWiYriggjagreinafrumvarpsinserutalinhafaYUWingugagnvartfjrhagsveitarflaga:L  M   0 L  M    10.gr.frv.!L  M  ԀStaWahsnWismlastj;rnskipulagisveitarflaga(13.gr.laganna)   L  M    LagtertilaWreglur_sveitarstj;rnarlaga_ԀgildiumstWuhsnWismlastj;rnkerfi i sveitarL  M  L  M  flaga.Sveitarstj;rngetivaliWaWskipasrstaka_hsnWisnefnd_.KveWiWverWium \4 samrWsveitarflagaYarsemaWstWurkallasamhfingu,m.a.Yarsemumsameiginleg ' atvinnuL  M  L  M  svWieraWrWa.    HsnWismlerulgbundiWverkefnisveitarflagaskv.gildandilgum.Meirasvigrm  varWandistWumlaflokksinsstj;rnsUslunnittiaWgefamguleika_samlegWarhrifum_Ԁog `  betrinUtingutgjldumtilstj;rnsUslu.m;tikemuraWsamrWsveitarflagamunvWa S+! kallaeitthvaWauknavinnu.hrifL  M  YessarargreinarL  M  ԀttuY;ekkiaWL  M  ԀveraL  M  Ԁteljandihrif " L  M  gagnvartL  M  Ԁfjrhagsveitarflaga. # &  L  M  ! ! (4OS3q""  L  M  1L    24O  1  3  0      1M  1L  M  .gr.frv.!Lgbundinverkefnisveitarflaga(14.gr.laganna) !W%  L  M    LagtertilaWlgbundnumverkefnumsveitarflagaverWilUstmeWnkvmarihttien J""& gildandilgum.VerkefnumerskiptuppfleiriYttim.a.aWgerW_hsnWistlana_Ԁfelist #' annarsvegar_greiningarvinna_Ԁoghinsvegarrvinnsla.XerendurskoWuntlanatilgreind #( semsrstakur_verkYttur_.'  $ )   GerW_hsnWistlana_Ԁerhlutiaflgbundnuhlutverkisveitarflagaskv.gildandilgum. v%N!* VerkefninuhefurhinsvegarltiWveriWsinntL  M  aukYesssembastmviWaWhersla A&"+ greiningarkalliauknavinnuinnanstj;rnsUslunnarfrYvsemveriWhefur.  '",   SYttursemhelstmgerarWfyriraWfelisrviWb;tergreining_eftirspurnarhliW_ '#- markaWarfyrirleigubWirhverjumstaW.LklegteraWYessi_greiningarvinna_ԀverWiunnin ( afsjlfstttstarfandisrfrWingumeWa_rWgjafarfyrirtkjum_.L  M    L  M  L  M    14.gr.frv.!Lntilsveitarflaga(15.gr.laganna) a  L  M    LagtertilfrumvarpinuaW_lnaflokkar_,semnerureglugerWgrundvelli16.gr.,verWi T, fluttir15.gr.lagannasemlUsiYhinumYremur_framtWarlnaflokkum_Ԁ_0LS_ԀmeWtmandi  htti.    TveirafYremur_lnaflokkum_ԀhafabeinaYUWingufyrirsveitarflgin,annarsvegarumln   tilbyggingar,endurb;taeWakaupa_Yj;nustustofnunum_ԀeWa_hsnWisrrWum_Ԁoghinsvegar  X tilbyggingar,kaupaeWaendurb;tabWarhsnWitiltleigu.Xarsem_lnaflokkarnir_Ԁvoru K #  WurkveWnirmeWreglugerWmunbreytinginekkihafahriffjrhagsveitarflaga.    L  M    Samantekt    L  M    Tilgreininglgbundnumskyldumsveitarflaga12.gr.frumvarpsinsL  M  gtihaftL  M  Ԁhrif wO  fjrhagogstj;rnsUslusveitarflagaL  M  ԀogkallaWauknavinnusemmgulegagtimlst B  nokkrum_mannrum_Ԁfyrirsveitarflginheild.Xarsem_hsnWistlanir_ԀerugerWartil    fjgurrarasennkannaWveramisjafnthversumikil_viWb;tarvinna_Ԁfellurtil,srstaklegaviW   greiningarsemreiknammeWaWsendurteknarnokkurrarafresti. {    SambandislenskrasveitarflagahefurveriWkynntYetta_kostnaWarmat_Ԁoggerirekki nF athugasemdviWYniWurstWuaWfrumvarpiWmunikallaauknavinnustj;rnsUslu 9 sveitarflagaogYarmeWhafahriffjrhagYeirra.    SambandiWleggurhersluaW_greiningarvinna_,einkumhvaWvarWareftirspurneftir  leiguhsnWimismunandistWumlandsins,verWimiWlgtverkefni0bWalnasj;Ws. r Yfirvldumskipulagsog_mannvirkjamla_ԀinnansveitarflagsverWifaliWaWkomaaW e= greiningumtengslumviWgerWaWalskipulagsogstj;rnendumflagsYj;nustufaliWaWmeta 0 YrffyrirbWarhsnWivegumsveitarflagsins.    XverWisamrWsnefndgrundvelli7.gr.samkomulagsfr31.ma2016faliWaWvakta  Yauhrifsem_lgfesting_ԀfrumvarpsinsmunhafafjrhagsveitarflagayfirnstuYrjr.L  M   i