WPC( HE1aqpzE@R")%M͌ p9GU_›fKK$1ahod"ػRZ\YeĄ$69m$3AiWp "s7 O,«J8Do, 0b9u2w]GN]}/S^ f7!]%MGu ]S8c_(~Vd?w{)c2t;VMvJ=8um} t)%sWA/$Py)n]*-}J;rH1Yjo3zum5#!qs/_%ay5N|cR?\r]!ڞI ]Ab1!s>>scGv}Hfu )u|'W%1IycmJ"t᫃YJ$i%w^ 4 Z 0(v B- 0l 0DOOOOON 1 0FFFF 0YY 0ll 0)u!! 0w"" 0w"w" 0## 1u#### BN$N$N$N$$k$k$k$k$k$k$k$k$k$k$k$k$ 72%%/%% 1%%%%%%%%%%%%%%%%%%%%%U:&&&&M&&&&D&&d9 Z6Times New Roman RegularX(%]$,..,TRW6&A4W6&A4 6&A4 6&A4T ? 0?vvbX0#ggdd  8dd8ISUS,.     ^^` Adobe PDF0 W:\WP2000\SKJRI~IZ.WPTUW:\WP2000\SkjritunY2k-nytt.wptj QvNrirs?g3|x8DocumentManagement::ModifiedBooleanTRUE($)Hairline dwww.isor.is(%2/<$ %]!,..,X>XXXTRW6&A4X3' Letter 6&A43'LetterT ? XX>0?vvbX0#ggdd  8dd8ISUS,.     ^^`     0  0  (#$  0     a',..,XXXX? XX0?vvbX0#ggdd  ISUS,.   ݀ikmo %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.(3$ %]!,..,X>XXXTRW6&A4X3' Letter 6&A43'LetterT ? XX>0?vvbX0#ggdd  8dd8ISUS,.     ^^`   (3$ %]!,..,X>XXXTRW6&A4X3' Letter 6&A43'LetterT ? XX>0?vvbX0#ggdd  8dd8ISUS,.     ^^`   (37v$ %]!,..,X>XXXTRW6&A4X3' Letter 6&A43'LetterT ? XX>0?vvbX0#ggdd  8dd8ISUS,.     ^^`    d (M0J$2  0  .3  0 ` (O;$0  2#  a  .3  0` (#(#(u$0  0` (#(#` `  2  a  .3  0` (#` (#(`$0  0` (#(#0 ` (#` (#0 (# (#"h2  0  .3  0(#(#3#37=CIQYag1.a.i.(1)(a)(i)1)a) d  gչ+,..,XXXX? XX0?vvbX0#ggdd  ISUS,.   d  ݀qi) %y_ gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)4cp Z "Times Regular : e),..,XXXX? XX0?vvbX0#ggdd  ISUS,.   _>? Ҁ %]!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? XX0?vvbX0#ggdd  8dd8ISUS,.     ^^`   _ >?  _ikmo(%03q 9__150.lggjafarYing2019!2020. ( Xingskjal1998"915.ml.      XVSvar# XV#   x  umhverfis-ogauWlindarWherraviWfyrirspurnfrBirniLevGunnarssyni   Ѐumlgbundinverkefni0slenskraorkuranns;kna.   X "i0J"  i0J2%  1  .3  Ԉ0    HvaWalgbundnuverkefnumsinna0slenskarorkuranns;knir?i0J݌   Ќ    Hlutverk0slenskraorkuranns;kna(0SOR)eraWvinnaaWverkefnumogranns;knum    sviWinttrufars,orkumlaogannarraauWlindamlaeftirYvsemstj;rnstofnunarinnar   kveWur,sbr.lgnr._86/2003,_Ԁumslenskarorkuranns;knir.NnariupplUsingarumhlutverk wO  0SOReraWfinnareglugerWnr.545/2014um0slenskarorkuranns;knir. B    0SORsinnam.a.eftirfarandiviWfangsefnumfyrirslenskarkiWogstofnanirYesssam    kvmtnnaritfrslusamningumsemgeraskalmilli0slenskraorkuranns;knaogviWeig   andirWuneytaeWastofnanaYeirra: {   _ikmo(%00_ikmo"i0J"  i0J 2%  1  .3  Ԉ0    AWveitafaglegarWgjfsviWijarWvsindaogjarWrnnaauWlinda,YarmeWtalinnjarW nF hiti,grunnvatnogjarWefnaeldsneytiognnurhagnUtjarWefni.i0J ݌9 Ќ  "i0J"  i0JS 2%  2  .3  Ԉ0    AWframkvmagrunnranns;knirjarWfrWi0slandsogkortleggjajarWfrWilandsins  meWtillititiljarWrnnaauWlindaogjarWminja.i0JS ݌ Ќ  "i0J"  i0J 2%  3  .3  Ԉ0    AWrannsakaogmetajarWhitaforWalandsinsmeWtillititilsjlfbrrarvinnslu.i0J ݌r Ќ  "i0J"  i0J2%  4  .3  Ԉ0    AWrannsaka,metaogfylgjastmeWhrifumnUtingarjarWrnnaauWlindaumhverfiW.i0JJ݌e= Ќ  "i0J"  i0J]2%  5  .3  Ԉ0    AWrannsakaogveitajarWvsindalegarWgjfumranns;knirognUtinguauWlindum 0 undirhafsbotni.i0J]݌ Ќ  "i0J"  i0J2%  6  .3  Ԉ0    AWrannsakaogveitajarWvsindalegarWgjfumranns;knirognUtingugrunnvatni.i0J݌ Ќ  "i0J"  i0J2%  7  .3  Ԉ0    TakaYttalYj;WastarfisviWijarWvsinda,orku-ogauWlindamlafyrirhnd0slands.i0J,݌i Ќ  "i0J"  i0JK2%  8  .3  Ԉ0    AWstoWaslenskstj;rnvldviWYr;unaraWstoWerlendissviWijarWhita.i0JKx݌\4 Ќ  "i0J"  i0J2%  9  .3  Ԉ0    AWmiWlatilalmenningsogstj;rnvaldaupplUsingumogYekkinguumjarWfrWi0slands ' ogjarWrnarauWlindirognUtinguYeirra.i0J݌ Ќ  "i0J "  i0J112%  10  .3  Ԉ0    AWrekaopinbergagnasfnumjarWrnarauWlindirognUtinguYeirra.i0JJ݌ Ќ   _ikmo(%00 _ikmo'   #ddggUpplUsingarumhlutverk0SORereinnigaWfinnaheimasWustofnunarinnar4 :  5  www.isor.is6FZ  7 u#ggdd. `  "i0J"  i0J2%  2  .3  Ԉ0    HverertlaWurheildarkostnaWurlgbundinnaverkefna0slenskraorkuranns;knaog " hverertlaWurkostnaWurhversverkefnissamkvmtfjrlgumfyrirriW2020?i0J-݌# Ќ    0slenskarorkuranns;knirer_stofnunB-hluta_Ԁ_sem_ԀfjrmagnarsigmeWsluvruogYj;n  $ ustutilfyrirtkjaogstofnana.Xverekkium_srstaka_ԀfjrheimildtilstofnunarinnaraWrWa !W% fjrlgumnsundurliWunverkefna.