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HeimilteraWskiptasj;WnumdeildireftirYvhvortlfeyrisrttindierusameigneWa_srAAeign._  Hlutverksj;WsinseraWtryggja_sj;Wflgum_,eftirlifandimkumYeirraogbrnumlfeyri_samBBkvmt_ԀkvWumYessaralagaogsamYykktasj;Wsins.@&^2.gr.  Sj;WflagarskuluveraallirbndurogmakarYeirra.#ss#Efmakib;ndaerekkiaWiliaW " _bCCrekstri_ԀogsjlfsagWafullaaWildaWWrumlfeyrissj;Wier_sj;Wstj;rn_ԀskyltaWveita_undanDDYgu_Ԁfr_sj;WsaWild_ԀaWLfeyrissj;Wibnda;skiviWkomandiYess.ssԀB;ndiYessu !$ sambandi,YarmeWtalinnaWiliaW_flagsbi_,_einkahlutaflagi_ԀeWaWru_lgformlegu__brekstrarformi_,telstserstundarbskap_lgbUli_ԀYarsemhannlgheimili,ogbreksturfellurundir_atEEvinnuFFgreinaGGnmer_Ԁ01og02_atvinnugreinaflokkun_ԀHagstofu0slands,sbr._0SAT_95,Y;ekki_starfHHsemi_Ԁ_undirIIflokkJJJJum_Ԁ01.4,01.5og02.02,endahafihannnWsextnraaldri.  LaunYegarerstarfaviWlandbnaWskuluverasj;Wflagar,endahafiYeirnWsextnraaldriogeigiekkisjlfsagWaaWildaWWrumlfeyrissj;Wi.  Heimilterstj;rnsj;WsinsaWveitabndumsemstundabreksturutan_lgbUla_,svoogbndumsemekkieigalgheimilibjrWumsnum,aWildaWsj;Wnum,endasumaWrWaveruleganbrekstursemhlutaWeigandihefurmeirihlutateknasinnaaf.Xgetur_sj;Wstj;rn_heimilaW_sj;WsaWild_Ԁmkumog_sambWaraWilum_,sbr.1.mgr.,YeirraaWilasemumrWirYessarimlsgrein.  ElliogrorkulfeyrisYegarsj;Wsinsteljastsj;Wflagar.  3.gr.    _IWgjaldsstofn_ԀbndaogmakaYeirra,semstarfaaW_brekstri_,skalverareiknuWlaunYeirralandbnaWisamkvmtkvWumlagaumtekjuskattog_eignarskatt_.MeW_brekstri_ԀYessusambandierttviWbrekstursamkvmt_atvinnugreinanmerum_Ԁ01og02 g-*6 _atvinnugreinaJJflokkun_ԀHagstofu0slands,sbr._0SAT_Ԁ95,Y;ekkistarfsemi_undirJJJJflokkum_Ԁ01.4,01.5og02.02.IWgjaldYeirrabndaogmakaYeirrasemreiknasrekkilaunheldurYiggjalaunfr_einkaJJJJhlutaflagi_ԀeWaWrum_lgaWila_Ԁsemrekurb,sbr.1.mgr.2.gr.,skalreiknaWaf_heildarJJJJfjrhW_Ԁgreiddralaunavegna_brekstrar_.  IWgjaldsj;Wflagaskv.1.mgr.2.gr.skalvera4%af_iWgjaldsstofni_Ԁskv.1.mgr.Yessarargreinar.m;ti_iWgjaldi_Ԁsj;Wflagaskalgreitt_m;tframlag_Ԁsemskalvera50%hrraen_iWJJgjald_Ԁskv.1._mlsl_._M;tframlag_Ԁskalgreittafsj;WflagasekkisamiWumgreiWsluYessrrkissj;Wi_bvrusamningi_ԀeWameWWrumsambrilegumhtti.  #ss #ss_greiWsludgum_Ԁ_beingreiWslna_Ԁsamkvmt_bvrulgum_ԀskalhaldaeftirafYeim_iWgjaldi_  X Yeirrasj;Wflagasem_beingreiWslna_Ԁnj;tafyrirYaW_tmaJJJJbil_ԀogskilaYvtilsj;Wsins.#ss#ssԀNnUtur T #  b;ndiekki_beingreiWslna_ԀogskalYiWgjaldinnheimt_samJJJJtmis_ԀogmeW_bnaWargjaldi_.StofntilgreiWsluuppiWgjaldskalverareiknuWlaun_samJJJJkvmt_Ԁ_greinarJJJJgerW_ԀumreiknaWendurgjaldrsbyrjuneWatlunumgreiddlaun_yfirJJJJstandandi_Ԁrsvegna_brekstrar_.LiggiekkifyrirupplUsingarumreiknuWlauneWatlunumgreiddlaun_yfirJJJJstandandi_ԀrsskalmiWaWviWlaun_nstliWins_Ԁ_tekjurs_.IWgjldumseminnheimteruskv.1.og2._mlsl_.skalskilaWtilsj;WsinseigisWaren30dgumeftiraWYauerugreiddogskuluYausundurliWuWeftir_sj;Wflgum_.  GreiWslauppiWgjaldskv.2._mlsl_.3.mgr.skalfaraframmeWfimmjfnum_mnaWarJJlegJJum_ԀgreiWslum,mnuWinagsttildesember_tekjurinu_._Gjalddagar__iWgjaldaJJgreiWslna_Ԁskuluverafyrstidagur_mnaWanna_ԀgsttilogmeWdesember.#ss#ssHeimilter wF sj;WnumaWannastsjlfurinnheimtuiWgjaldaog_framlaga_Ԁskv.2.mgr.,sbr.3._mlsl_.1.mgr.,ogskal_gjaldJJJJdagi_ԀveratundidagurnstamnaWareftir_launatmabil_.GreiWisj;WflagiekkiiWgjaldinnan30dagafrgjalddagaeWasYaWvangreittskulureiknasthstuleyfilegu_drttarvextir_Ԁsamkvmt_augJJJJlUsingu_ԀSeWlabanka0slandsYfjrhWsem_vangoldin_Ԁerfrgjalddagatil_greiWsludags_.#ss!#ss n=   Fr_greiWsluskyldu_Ԁ_iWgjaldi_Ԁskv.2.mgr.skaldragaYfjrhWsemgreiddhefurveriWuppiWgjaldskv.3.mgr.EfiWgjalderhrraengreiWslauppiWgjaldskalYvsemvantarhaldiWeftiraf_beingreiWslu_ԀeWainnheimtsamhliWa_bnaWargjaldi_,eftirYvsemviW,ogskal_innJJJJheimtunni_ԀdreiftYfimmgjalddagasemeftireruaf_tekjuJJJJrinu,_Ԁsbr.4.mgr.S_iWgjaldiW_lgraengreitthefurveriWuppiWgjaldskuluvextirreiknaWirendurgreiWslusamkvmt_vaxtalgum_.  FjrmlarWherraerheimiltaWsetjareglugerWnnarireglurum_iWgjaldagreiWslur_,_innJJheimtu,_Ԁ_innheimtuY;knun_,drttarvextiogannaWervarWarframkvmdYessarargreinar.  4.gr.    Nhefursj;WflagisemgreiWiriWgjaldskv.1.mgr.3.gr.atvinnutekjurafWruen_bJJrekstri_ԀogYessistrfveitaekkisjlfsagWaaWildaWWrumlfeyrissj;WiogerhonumYheimiltaWgreiWaiWgjldafslkumtekjumtilYessasj;Ws.IWgjldskuluvera10%af_tryggWJJum_ԀtekjumeWagreiddumlaunum,_Y.e._Ԁ4%iWgjaldsj;Wflagaog6%_m;tJJJJframlag__vinnuJJveitanda._  IWgjldlaunYegasemerusj;Wflagarskv.2.mgr.2.gr.skuluvera10%af_heildarlaunum_,_Y.e._Ԁ4%iWgjaldsj;Wflagaog6%_m;tframlag_Ԁ_vinnuJJJJveitanda._  LaunagreiWandaberaWhaldaeftiriWgjldumstarfsmannasinnaogstandaskilYeim_mnaWarJJJJlega_Ԁsamteigin_m;tframlagi_.  #ss%#ssGjalddagiiWgjaldaog_framlaga_Ԁskv.1.og2.mgr.ertundidagurnstamnaWareftir J&"+ _launatmabil_Ԁogeindagi30dgumsWar.#ss.#ssԀ_Dragist_ԀgreiWslaframyfir_eindaga_Ԁskulureiknast '", hstu_leyfiJJJJlegu_Ԁ_drttarvextir_ԀsamkvmtauglUsinguSeWlabanka0slandsYfjrhWsem_vangoldin_Ԁerfrgjalddagatil_greiWsludags_.  LaunagreiWandaogsjlfstWumatvinnurekandaberaWtilkynnasj;WnumefYeimberekkilenguraWstandaskiliWgjldumogframlgumtilsj;WsinsYarsemYeirhafihtt_starfJJJJsemi_eWalaunYegarYeirraltiWafstrfum.  5.gr.    EnginngreiWiriWgjldtilsj;Wsinslengurentil70raaldurs. m-<)4   Sj;WflagarberaeigibyrgWskuldbindingumsj;WsinsmeWWrueniWgjldumsnum.  6.gr.    IWgjldb;ndaogmakahanseWa_sambWaraWila_Ԁvegna_brekstrar_,sbr.3.gr.,skulu_skiptJJast_ԀjafntmilliYeirra.HafiannaWhvortYeirraatvinnutekjurafWruen_brekstri_,semskapa;tvrWanrtttillfeyrisWrumlfeyrissj;Wi,getur_sj;Wstj;rn_Ԁfallistskriflega_umJJs;kn_ԀaWilaumaWraskiptinguiWgjalda.EfannaraWilinnerundanYeginn_sj;WsaWild_,sbr.2._mlsl_.1.mgr.2.gr.,skaliWgjldumekkiskipt.  IWgjldskv.3.og4.gr.skuluhvertalmanaksr_umreiknuW_Ԁstigermyndagrundvll_lfeyrisJJJJrttinda._Ԁ  Tilgrundvallar_stigatreikningi_ԀertiltekinfjrhWfyrirhvernalmanaksmnuW,janar199851.113_kr_.,ogskalhnbreytastsamrmiviWbreytingarvsitlu_neysluJJJJverWs_Ԁfr181,4stigummiWaWviWjanar1998.  StigrsinsreiknastYannigaWdeiltskal25fld_rsiWgjld_Ԁsj;WflagameW_grundJJvallarJJlaunum_Ԁrsinsskv.3.mgr.ogskulustigreiknastmeWYremuraukastfum.EkkiskalreiknastiglengurentillokaYessmnaWarer70raaldriernW.Su_iWgjaldar_Ԁfleirien30skalviW_framreikning_ԀvegnarorkuogmakalfeyrisreiknaaWfullustigYeirra30rasem_hagJJJJstWust_Ԁerufyrir_sj;Wflagann_ԀenaWhlfustigYeirrarasemafgangsverWa.  7.gr.    HeimilteraWsetjakvWisamYykktirsj;WsinsumaWlfeyrissj;WurinnmegitakaviW_viWb;tarJJJJiWgjaldi_ԀsemgreitterumframiWgjaldskv.3.og4.gr.ogaW_viWJJJJb;tarJJJJiWJJJJgjaldi_ԀYessuverWivariWtil_vinnslu_Ԁrttindahjsj;Wnumeftirnnarireglum_samJJJJYykktum._Ԁ  8.gr.    FjrmlarWherraskalskipastj;rnsj;Wsinstilfjgurrarasenn.Skalstj;rninskipuWfimmmnnum.SkaleinnYeirratilnefndurafHstarttiogskalhannveraformaWur_stj;rnarJJinnar._ԀEinnskaltilnefnduraflandbnaWarrWherra,tveirafstj;rn_BndaJJJJsamJJJJtaka_0slandseneinnskipaWurntilnefningar.VaramennskulutilnefndirogskipaWirsamahtt.  II.KAFLI Lfeyrisrttindi.   9.gr.    Hversj;WflagisemgreitthefuriWgjldtilsj;WsinsogerorWinnfullra67raaWaldrirttellilfeyrirsj;Wnum.  Heimiltersj;WflagaaWfrestatkuellilfeyristil70raaldursoghkkarYupphWellilfeyris,sbr.1.mgr.,umtiltekiWhlutfall,samrmiviW_tryggingafrWilegt_Ԁmat,fyrirhvernmnuWsemtkuhanserfrestaWsamkvmtnnarikvWumsamYykktumsj;Wsins.  Stj;rnsj;Wsinserheimilt,efforsendurskapast,aWundangenginni_tryggJJJJingaJJJJfrWiJJJJlegri_ttektstWusj;Wsins,aWsetjasamYykktirkvWiumheimildtilsj;WflagatilaWhefjatkulfeyrisWurenhannnr67raaldri,Y;ekkifyrrenfr65raaldri.SkalY_uppJJJJhW_ellilfeyrislkkaumtiltekiWhlutfall,samrmiviW_tryggingafrWilegt_Ԁmat,fyrirhvernmnuWsemvantar67raaldurertakahanshefst.  10.gr.    Sj;WflagisemverWurfyrir_orkutapi_Ԁsem_trnaWarlknir_Ԁsj;Wsinsmetur50%eWameiraoghefurgreitttilsj;Wsins_a.m.k._Ԁtvrrttrorkulfeyrirsj;Wnum,endahafihann_orWJJiW_Ԁfyrir_tekjuskerWingu_Ԁafvldum_orkutapsins_.HeimilteraWfela_tryggingaJJJJyfirlkni_Ԁmatrorkufyrirsj;WinnogskalYaWnnarkveWiWsamYykktumsj;Wsins.  rorkulfeyrirskal_framreiknaWur_Ԁskv.5.mgr.,endauppfylli_sj;Wflaginn_Ԁll_eftirJJJJtalin_skilyrWi:L 5h( 4ABCDL A0J   A0J-J  25h  a  .3  Ԉ0    hafigreittiWgjldtilsj;Wsins_a.m.k._ԀYrjafundanfarandifj;rum_almanaksrum_Ԁfyrir ,q(3 orkutapogunniWsr_a.m.k._Ԁ0,4stighvertYessaraYriggjara,A0J-JXJ݌m-<)4   Ќ  & ,  A0J   A0J8L25h  b  .3  Ԉ0    hafigreittiWgjldtilsj;Wsins_a.m.k._ԀsexmnuWiundanfrnumt;lfmnuWumfyrir 1 orkutap,A0J8LcL݌    Ќ   A0J   A0JM25h  c  .3  Ԉ0    hafiekkiorWiWfyrir_orkutapi_Ԁsemrekjamtilnotkunarfengis,lyfjaeWafkniefna.A0JMM݌   Ќ  ',1,L  Hafisj;WflagiWlastrtttil_framreiknings_ԀsemfalliWhefurniWurvegna_tmaJJJJbundJJJJinnar_fjarveruafvinnumarkaWivegnavinnuerlendis,nms,leyfisfrstrfum,barneignaeWa_samJJbrilegra_ԀstWnaskal_framreikningsrttur_ԀstofnastnUjanleikeigisWarensex_mnJJuWum_ԀfrYvaWhannhefurafturstrfoggreiWslu_iWgjalds_Ԁtilsj;Wsins.  HundraWshluta_orkutaps_Ԁogupphaf_Yess_ԀskalkvarWaaWfengnumupplUsingumum_heilsuJJfarssgu_Ԁog_starfsorku_Ԁumskjanda,svoogaWfengnulititrnaWarlknissj;Wsins,sbr.Y;2._mlsl_.1.mgr.rorkumatskalfyrstuYrjrinmiWastviWvanhfnisj;WflagatilaWstunda_landJJJJbnJJJJaWJJJJarJJJJstrf._ԀAWYvtmabililoknuskalhundraWshluti_orkutaps_ԀkvarWaWuraWnUjumeWtillititilvanhfni_sj;Wflagans_ԀtilaWgegnaalmennumstrfum.Xrttfyrirrorkuenginnrtt_rorkuJJJJlfeyri_ԀmeWanhannheldur;skertumYeimtekjumerhannhafWiWurogaldreiskal_samanJJJJlagWur_Ԁrorkulfeyrirogbarnalfeyrirskv.12.gr.verWahrriensemnemurYeim_tekjumissi_ԀsemhannhefursannanlegaorWiWfyrirskumrorkunnar.Hafisj;WflagiveriWryrkiWurenhannh;fgreiWslursj;Winnerekkium_rorkuJJJJlfeyrisrtt_ԀrYessumsj;WiaWrWavegnaYeirrarrorku.  XegarskilyrWium_iWgjaldagreiWslutma_Ԁskv.2.mgr.eruuppfylltmiWasthmark_rorkuJJlfJJeyris_ԀviWunninn_lfeyrisrtt_ԀaWviWbttumlfeyriersvarartilYeirrarttindasem_sj;WJJJJflaginn_ԀhefWiunniWsrtillokaYessmnaWarerhannnr67raaldri,sbr.Y;3._mlsl_.4.mgr.6.gr.,samkvmtreglumsemnnarskalkveWiWumsamYykktum.Eigi_sj;WJJflagJJinn_ԀjafnframtrttrorkulfeyrirWrumsj;WiskalhannYvaWeinsflfeyrirYessumsj;Wivegna;kominstmaaWhannhafisWastgreittiWgjldtilYessasj;Ws.Eigisj;Wflagiekkirtt_framreikningi_ԀmiWasthmarkrorkulfeyrisviWunninstig.  rorkulfeyrirersamihundraWshlutiaf_hmarksrorkulfeyri_Ԁog_orkutapiW_ԀermetiW,sbr.Y;1.mgr.  rorkulfeyrirgreiWistekkifyrstuYrjmnuWinaeftirorkutap.SumtmabundnarorkuaWrWaskemmritmaensexmnuWiskalekkigreiWarorkulfeyri.  Skylterryrkjasemskirumrorkulfeyrirsj;WnumeWanUturslkslfeyrisaWltastj;rnsj;WsinstallarYrupplUsingarumheilsufarsittogatvinnutekjursem_nauWJJJJsynJJJJlegar_erutilaWmetartthanstillfeyris.  Stj;rnsj;WsinsskallkkaeWafellaniWurrorkulfeyriYeirraryrkjasemf_starfsJJJJorku_snaafturaWnokkrueWalluleyti.SmuleiWisberhenniaWhkka_rorkulfeyrinn_ԀefrorkanvextilmunafrYvsemhnvarmetinviWfyrrikvarWanir,endahafi_sj;WJJJJflaginn_ԀekkiveriWstarfierveittihonumlfeyrisrttindiWrumlfeyrissj;WiYeimtmaerrorkan;x.  rorkulfeyrirfellurniWurviWlokYessmnaWarersj;Wflaginr67raaldri.EllilfeyrirskalYkveWinnsamrmiviWunninrttindi.Sum_framreikningsrtt_Ԁskv.5.mgr.aWrWaskalellilfeyrirkveWinnYannigaWtluWumrttindumskv.5.mgr.skalbttviWunninrttindi.HafirorkulfeyrisYegiveriWstarfierveittihonum_lfeyrisJJJJrttindi_ԀYessumeWaWrumsj;WieftiraWhonumvarrskurWaWurrorkulfeyrirYessumsj;WiskuluYau_lfJJeyrisrttindi_Ԁkomatil_frdrttar_ԀtluWumrttindumviW_framJJJJreikning._  11.gr.    Nandastsj;WflagisemnautellieWarorkulfeyrisrsj;WnumeWagreitthafWiiWgjldtilhans_a.m.k._Ԁ24mnuWiundanfrnum36mnuWumeWaWlastrtttil_framJJJJreiknings_Ԁskv.2.og5.mgr.10.gr.ogYeftirlifandimakirtttillfeyrisrsj;Wnum_a.m.k._Ԁ24mnuWieftirandltiW.Hafimakinnbarnyngraentjnra_framJJJJfri_Ԁsnu,sem_sj;Wflaginn_ԀhafWiWurframfrisnu,eWaefmakinner_a.m.k._Ԁ50%ryrkiogyngrien67raskal_makaJJlfJJeyrir_ԀgreiddurmeWanYaWstandvarir.  Nandastsj;WflagisemorWinnvarsj;Wflagifyrirrslok1983ogskiptiekkirttindumsnumrslok1983meWmakasnumogYeftirlifandimakirttlfeyrirsj;WnumaWloknumYeim_greiWslutma_ԀsemkveWiWerum1.mgr.tilviloka.SlkurrtturmiWastY;einungisviWunninrttindisj;Wnumrslok1983n_framreiknings_. m-<)4   Nltursj;WflagiekkieftirsigmakaogerYstj;rnsj;WsinsheimiltaWgreiWalfeyriskv.1.og2.mgr.tilaWilasemsannanlegahefurannastheimilihinsltnaumrabil.  HmarkmakalfeyrismiWastviW50%af_hmarksrorkulfeyri_,sbr.5.mgr.10.gr.Hafi_sj;Wflaginn_ԀnotiWrorkulfeyrisrsj;WnumskalreiknastigfrYeimtmaerhonumvarveitturrorkulfeyrirogtillokaYessmnaWarerhannhefWinW67raaldri,samrmiviWkvWi10.mgr.10.gr.VeitidauWsfalleftirlifandimakajafnframtrtttillfeyrisrWrumlfeyrissj;WiskalhannYvaWeinsflfeyrirYessumsj;Wi,vegna;kominstma,aWhinnltnihafisWastgreittiWgjldtilYessasj;Ws.  MakisamkvmtYessarigreintelstseWassemviWandltiWvarhjskapmeW_sj;WJJflaga,_ԀstaWfestrisamvisteWa;vgWrisambW,endahafi_fjrflagi_ԀekkiveriWslitiWfyrir_andJJJJlt_Ԁ_sj;Wflagans_.MeW;vgWrisambWerttviWsambWkarlsogkonusemeiga_samJJeiginlegt_Ԁlgheimili,erusamvistum,eigabarnsamaneWakonanerYunguWeWa_samJJJJbWin_hefurvaraWsamfleytt_a.m.k._Ԁtvr.  RtturtilmakalfeyrisfellurniWurefmakinngengurhj;nabandnU,stofnartil_samJJbWar_ԀsemjafnamtilhjskapareWastofnartil_staWfestrar_Ԁ_samvistar_Ԁengengurafturgildief_hjskapnum_,_sambWinni_ԀeWastaWfestu_samvistinni_ԀerslitiWnrttartillfeyris.  12.gr.    _Andist_Ԁsj;WflagisemgreitthefuriWgjldtilsj;Wsins_a.m.k._Ԁ24mnuWi_undanJJJJfarandi_36mnuWum,notiWellieWarorkulfeyrisviWandltiWeWaWlastrtttil_framJJJJreiknings_Ԁskv.2.og5.mgr.10.gr.skulubrnhansogkjrbrnsemyngrieruentjnraeigarttlfeyritiltjnraaldurs.SamartttillfeyrisWlastbrnfddeWa_ttJJJJleidd_Ԁfyrirorkutap_sj;WJJflaga_ԀsemnUturfullsrorkulfeyrisskv.2.og5.mgr.10.gr.Efrorkaermetinlgrien100%skalbarnalfeyrirverahlutfallslegalgri.Veitifrfall_sj;WJJJJflagans_Ԁbrnunum_jafnJJframt_ԀrtttillfeyrisrWrumlfeyrissj;WiskallfeyrirrYessumsj;WiY;bundinnYvskilyrWiaW_sj;Wflaginn_ԀhafisWastgreitttilYessasj;Ws.  FullurbarnalfeyrirskalveraaWlgmarki5.500_kr_.mnuWimeWhverjubarni_rorkuJJlfeyrisYega._ԀViWandltsj;WflagaskalbarnalfeyrirveraaWlgmarki7.500_kr_.meWhverjubarni.UpphWirYessarskulubreytastrlegahlutfalliviWbreytingu_vsiJJJJtlu__neysluverWs_ԀmiWaWviW_grunnvsitlu_Ԁ173,5stig.FullurbarnalfeyrirgreiWistefrlegstig,tluW_samJJJJrmi_ԀviW5.mgr.10.gr.,eru_a.m.k._Ԁeittstig.SutluWrlegstigfrrilkkar_barnaJJJJlfJJJJeyrJJJJir_Ԁfrsj;WnumhlutfallslegaogfellurniWurefrlegur_stigafjldi_Ԁerminnien0,5stig._HeimJJJJilt_ԀeraWsetjannarikvWiumupphWirbarnalfeyrissamYykktirsj;Wsins.  _F;sturbrn_Ԁogstjpbrnsemsj;WflagihefurframfrtaWmestueWalluleytiskulueigasamarttogbrneWakjrbrn_sj;Wflaga_Ԁtilbarnalfeyris.Skulu_lfeyrisgreiWslur_Ԁsj;WsinsvegnaslkrabarnaveraYrsmuogefumbrneWakjrbrnvriaWrWa.  13.gr.    _Grundvallarlaun_Ԁlfeyrisskv.9.,10.og11.gr.eru51.113_kr_.janar1998,sbr.3.mgr.6.gr._FjrhWin_Ԁbreytist1.janarog1.jlrhverthlutfalliviWbreytingu_vsiJJJJtlu__neysluverWs_ԀmiWaWviW_grunnvsitlu_Ԁ181,4stig.  UpphWirelliogrorkulfeyrisskv.9.og10.gr.eruhundraWshlutiaf_grundJJvallarJJlaunum,_Ԁsbr.1.mgr.,ognemurhundraWshlutiYessisamanlgWumstigafjlda,sem_sj;WJJJJflaganum_Ԁer_reiknJJJJaWur,_Ԁ_margflduWum_ԀmeW_margfldunarstuWli_ԀaWlgmarki1,4,_samJJkvmt_ԀnnarikvWumsamYykktumsj;Wsins.UpphWirmakalfeyrisskv.11.gr.skulureiknaWarsamahttenmeW_margfldunarstuWli_Ԁsemer50%lgri.  14.gr.    VerWibreytingargerWartreikningi_lfeyrishlutfalls_ԀsamYykktumskalhlutfall_lfJJJJeyris_semrskurWaWurhefurveriWsamkvmtYessumlgumogI.kaflaeldrilagabreytastaWsamaskapi.  ,q(3   &   III.KAFLI EftirlauntilaldraWraLfeyrissj;Wibnda.   15.gr.    #ss0#ssXeimsemfddireru1914eWafyrroghafaveriWbndur_lgbUlum_ԀogttYarlgheimili a skaltryggWurellilfeyrirsamrmiviW'1kvWi16.gr.,endaeigiYeiraWbaki_a.m.k._Ԁtura_rttindatma_,sbr.3.mgr.VantimannsemltiWhefurafbskaprunum1964!69brotrritilaWnfullumturumveldurYaWY;ekki_rttindamissi_ԀefhannhefurltiWafbskaptmabilinufr_fardgum_ԀtilrslokaoghefWimeWbskaptillokaYessrsnWfullumturum.#ss⼄#ss  X   NandastmaWursemWlasthafWirtttillfeyrisskv.1.mgr.eWavaraWvinnasrslkanrttoghefWigetaWuppfylltskilyrWi1.mgr.meWframhaldandi_rttJJJJindaJJJJvinnslu_ԀogskalYeftirlifandimakieigartttilmakalfeyrisskv.16.gr.,endahafihinnltnifalliWfreftir31.desember1964ogunniWsr_a.m.k._Ԁfimmrarttindi,sbr.3.mgr.XaWerennfremurskilyrWiaWhj;nabandiWhafistaWiW_a.m.k._ԀfimmrogveriWstofnaWWuren_sj;Wflaginn_ԀnWi60raaldri.#ssԇ#ss:vgWsambWeWastaWfestsamvistveitirsamarttoghjskapur,endahafihn K  veriWtilkynntsj;WnumskriflegafyrirandltiW.Xerstj;rnsj;WsinsheimiltaWveitaaWilasemsannanlegaannaWistheimilib;ndahliWstWanlfeyriaWhonumltnum,endahafibWiveriW;gift.  Til_rttindatma_ԀskaleinungisreiknaYanntmafrogmeWrinu1955sem_hlutaWJJJJeigandi_hefurveriWb;ndi_lgbUli_ԀogttYarlgheimili._Rttindatmi_ԀmannssemekkihafWinW55raaldrirslok1954reiknastfr1.nstamnaWareftiraWYeimaldriernW._Rttindatmi_reiknastheilummnuWumenaldreiskalhannreiknastlengrien20r.  Heimilterstj;rnsj;WsinsaWvkjafrskilyrWum1.mgr.umlgheimilief_hlutaWJJJJeigandi_b;ndihefurhaftmeirihlutateknasinnaaf_bvruframleiWslu_.EnnfremurerhenniheimiltaWvkjafrskilyrWinuum_lgbUli_ԀefumhefurveriWaWrWaveruleganbrekstursem_hlutJJaWJJeigandi_ԀhefurhaftallareWanrallartekjursnaraf.Wurenums;knfrumskjandautan_lgbUlis_Ԁerafgreiddskalleitalitsstj;rnarhlutaWeigandi_bnaWarJJJJsambands_ԀYvhvaWa_bUlJJJJum_Ԁ_sambandssvWinu_ԀmegiYessusambandijafnatil_lgbUla_.  16.gr.    FjrhWelliogmakalfeyrissemveitturerskv.15.gr.miWastviW_rttindaJJJJtma,_Ԁsbr.3.mgr.15.gr.MakalfeyrirskalennfremurmiWastviW100%grundvallarlaunskv.1.mgr.13.gr.ogsamagildirumellilfeyriefskilyrWum2.mgr.15.gr.umhjskap,;vgWasambWeWa_staWJJJJfesta_Ԁsamvist#ss#ssԀ_JJJJer_Ԁfullngt,enaWWrumkostiskallfeyrirmiWastviW20%lgritekjur. \+! Fyrir_rttindaJJJJtma_Ԁtilrsloka1980skalellilfeyrirnema1,923%nefndrateknafyrirhvertrttindarenmakalfeyrirskaltilsamatmanema5,341%,aWviWbttu1,068%fyrirhvertrttindar.Hafisj;WflagiunniWsrmeirirttsamkvmtkvWumeldrilagaum_LfeyrisJJsj;W_ԀbndaeinstkrttindarskalY;miWaWviWYannrttYaurogfyrir_rttindaJJtma_Ԁeftirrslok1980skaljafnanmiWaWviW_unninn_ԀrtthverteinstaktrttindareWameWaltalYriggjabesturannaefumeraWrWatmaeftiraWgjaldskyldutilsj;Wsinslauk.  Hafib;ndistundaWbskapYartilhannlstogveriWyngrien67raskalviWkvrWunhundraWshlutamakalfeyris,aukrttindatmaskv.3.mgr.15.gr.,takatillittilYesstmasemeftirvartil67raaldursb;ndans.  Lfeyrirskv.9.!11.gr.kemurtilfrdrttarlfeyrisgreiWslumsamkvmtYessarigrein.VerWilfeyrirhrriskv.9.og11.gr.enelliogmakalfeyrirsamkvmtYessarigreinverWurekkiumlfeyrisgreiWsluraWrWasamkvmtYessarigrein.  GreiWslurrWrumlfeyrissj;WumoghliWstWargreiWslurrrkissj;WieWaWrum_opinJJberum_Ԁsj;WumkomatilfrdrttargreiWslumsamkvmtYessarigrein.Hafi_hlutaWJJJJeigandi_gengiWrlfeyrissj;Wieftirrslok1969ogafsalaWsrrttindumsnumYarskalslfeyrirsemhannellahefWittrttdragastfrsamahtt.Stj;rnLfeyrissj;WsbndarskurWarhverniginnstWalfeyrissj;WimeWsreignarskipulagiskulimetintilfrdrttar.  EigimaWur,aukrttindatmasemb;ndi,jafnframtaWbakirttindatmasamkvmtlgumumeftirlauntilaldraWraskaltakatillittilsamanlagWsrttindatmaogkveWa m-<)4 _lfeyrisJJgreiWslur_ԀhlutfalliviWrttindatmaogfjrhWsemhvoraWilihefWigreittef_rttindaJJtmi_ԀhefWiveriW;skiptur.AldreiskalreiknasamatmabilsemrttindatmahjbWumaWilum.Stj;rnsj;WsinsskalhafasamrWviW_umsj;narnefnd_ԀeftirlaunaumnnaritilhgunviWrskurWoggreiWslulfeyrissamkvmtYessarimlsgrein.  #ss⻔#ssMakalfeyrirsamkvmtYessarigreintilYeirrasemekkihafanW75raaldriskerWist ], efhlutaWeigandihefurtekjurafvinnusemnemur///; (1(; (4(/==//af_grundvallarlaunum_ԀeWameira ( _almanJJaksJJri,_Ԁsbr.3.mgr.6.gr.,ogskalYskerWalfeyrinnum/// 1 12/YY//fyrirhvern/// 1 12/mm//hluta  _viWmiWunarJJlauna._ԀSkerWistlfeyrirmeWYessum;tiummeiraen///  3   z 4  z/YY//skalhannfelldurniWur   meWllu.  17.gr.    Btgjldvegna_lfeyrisgreiWslna_ԀsamkvmtkvWum15.og16.gr.skuluborinaf_rkisJJsj;Wi._  18.gr.    Xeirbndursemteljasigeigartttillfeyrisskv.16.gr.skulusendastj;rnsj;Wsinsums;knumhannogltatallarupplUsingarsem_sj;Wstj;rnin_ԀtelursigYurfaaWf.Stj;rnsj;WsinsrskurWarlfeyriskv.16.gr.  XeimernUturlfeyrisskv.16.gr.oguppfyllir_skilJJJJyrWi_Ԁ2.mgr.15.gr.umhjskap,;vgWasambWeWastaWfestasamvisterskyltaWtilkynnastj;rnsj;WsinsskriflegaogntafarefmakieWasambWaraWilifellurfrellegarhjskap,;vgWrisambWeWastaWfestrisamvisterslitiW.0sWarnefndatilvikinuskalellilfeyriskiptaWjfnu.    _IV_.KAFLI@.. TmiskvWi. 9  19.gr.      LfeyrirgreiWistmnaWarlegaeftir,fyrstasinnfyrirnstamnuWeftirYannmnuWerlfeyrisrtturmyndaWistogsWastasinnfyrirYannmnuWerrtturtillfeyrisfellurrgildi.AldreiskalY;_sj;Wstj;rn_ԀskyltaWrskurWalfeyrilengraafturtmannentvr,reiknaWfrbyrjunYessmnaWarerums;knberstsj;Wnum.  20.gr.    #ss/#ssViWslithjskapareWa_;vgWrar_ԀsambWarsemtilkynntvartilsj;Wsinssamkvmteldri `  lgumskalunnumstigumsj;Wflaga,Yaursemhj;nabandiWeWasambWinst;Wframtilrsloka1983,skiptaWjfnuhafiYeimekkiWurveriWskiptsamkvmtkvWum5.mgr.26.gr.laganr.50/1984.#ss`#ss #   21.gr.    LeiWi_tryggingafrWileg_Ԁathugunlj;saWfjrhagursj;Wsinss_;tryggur_ԀogtlamegiaWeignirmuniekkidugafyrir_heildarskuldbindingum_Ԁskalstj;rnsj;Wsins,aWhfWu_samJJJJrWi_ԀviW_tryggingafrWing_,beitasrfyrirviWeigandibreytingumlgumog/eWa_samJJJJYykktum__sj;WsJJins,_ԀendafinnistekkiaWrarleiWirtilaWbtahagsj;Wsins.  22.gr.    Setjaskalnnarireglurumskipulagsj;WsinsogstarfsemiaukfrekarikvWaumlfeyri,svosemfjrhWirogtreikninglfeyrisogskilyrWifyrirgreiWslum,samYykktirsem_fjrJJmlaJJrWherra_ԀstaWfestiraWfenginniumsgnFjrmlaeftirlitsins.Sj;Wurinnskaltilkynna_FjrJJJJmlaJJJJeftirlitinu_Ԁumbreytingarstj;rn,framkvmdastj;ra,endurskoWandaog_tryggingaJJfrWJJingi._  23.gr.    LgYessitakagildi1.jl1999ogfrsamatmafallargildilgnr.50/1984,um_lfJJeyrisJJsj;W_Ԁbnda,meWsWaribreytingum. m-<)4 Ї  kvWitilbrWabirgWa. 1     GrundvallarlaunlfeyrissemrskurWaWurhefurveriWskv.I.kaflalaganr.50/1984skulu  fr1.janar1999breytastsamrmiviWkvWi1.mgr.13.gr.HlutfallYesslfeyrisskalfr1.janar1999lkkaWhlutfallslegasamrmiviWkvWi2.mgr.13.gr.ognnarikvWisamYykktumsj;Wsins.& a   _Grundvallarlaun_ԀlfeyrissemrskurWaWurhefurveriWskv.II.kaflalaganr.50/1984skulufr1.janar1999breytastsamrmiviWkvWi1.mgr.13.gr.HlutfallYesslfeyrisskalfr1.janar1999lkkaWum19,88%.'a(  LfeyrirsamkvmteldrilgumskaleigiverWalgrienhannhefWiorWiWsamkvmtlgumnr.50/1984.  kvWi1._mlsl_.4.mgr.6.gr.um25fld_rsiWgjld_Ԁsj;Wflagaskaltakagildi1.janar2000.FyrirriW1999skalmiWaviW24fldiWgjldsj;Wflaga.  rorkulfeyrirYeirrarorkulfeyrisYegasj;Wsinssemn67raaldritmabilinufr1.janartil30.jn1999fellurniWur1.jl1999.EllilfeyrirYeirraskalrskurWaWurfr1.jl1999enaWWruleytisamrmiviWkvWi10.mgr.10.gr.#ss1#A%N)  dE A B @ ^X*"XsSamYykktAlYingi_3._Ԁmars1999.  #sXX*"#