WPC- f)XړC4Jq<ުsXMiX#rm3A+F"-V:՗˶f4w449m.rtxzG-?a솖xXwȶ4AWRfͳءJ)a:]60k*֊e]FnX!|W,8iO !)X*{K! a&N"/[>+Z A`ҥP6zX! MDtg͚Ke=x}QO,UsR>؎iF̜>6tl4# }"H}ӕK`{o\a/RcCy&UN %b 0h#@ X Taw^  1U4L 1uN4 UNh mj 0Z 72 0  1 0DM 1 1_________ 1 1 0 0 " " 0%%%%%%% 0-u( 0wu( 0 ( 0))))))))))))))))))))) BN*N*N*N* 1k*k*k*k*k*k*k*k*k*k*k*k*k*k*k*k*k*k*k*k*k*k*,** ,, 0L'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'-'- B-s-(  Z6Times New Roman RegularX(h$}}kTRV<6&A4V<6&A4 6&A4 6&A4Tkk#ggdd  ISUS.,    -zv > *  X-8kdd8% Adobe PDF  0W:\COREL8\TEMPLATE\CUSTOMWP\SKJRI~4T.WPTW:\corel8\template\customwp\Skjritun4.wptK%@  =?EKQW_gmstafl.a.1.a.1.(a)(i)1)a))'\  `TimesRoman3#37=CIQYag1.a.i.(1)(a)(i)1)a)Xi?ό|)3|x6Times New Roman RegularUF*MIVJMiWjar texta.@a..  i)*ee=(/LH I '\  `TimesRomanI I '\  `TimesRomanI(ehCEKQW]cioAutoList4a.a.a.a.a.a.a.a.>*SKLSkletur. (EhCEKQW]cioAutoList2a.a.a.a.a.a.a.a. gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)(5hCEKQW]cioAutoList1a.a.a.a.a.a.a.a.ABCD %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.(3$ h!}X(XXXTRW6&A4X3' Letter 6&A43'LetterT#XX(#ggdd  ISUS.,    -zv > *  X-8#dXXd8%   (3$ h!}X(XXXTRW6&A4X3' Letter 6&A43'LetterT#XX(#ggdd  ISUS.,    -zv > *  X-8#dXXd8%   (3x$ h!}X(XXXTRW6&A4X3' Letter 6&A43'LetterT#XX(#ggdd  ISUS.,    -zv > *  X-8#dXXd8%    d (M0J$2  0  .3  0 ` (O$0  2  3  0` ""(u$0  0` (#(#` `  2  a  .3  0` (#` (#(`$0  0` (#(#0 ` (#` (#0 (# (#"h2  0  .3  0(#(# d(UhCEKQW]cioAutoList3a.a.a.a.a.a.a.a. " 6'X(XXX#XX(#ggdd  ISUS.,  -zv > *  X-  _  D   8)X(XXX#XX(#ggdd  ISUS.,  -zv > *  X-  _Ԁ>c$"Small Circle"0 )Hairline d h!}X(XXXTRW6&A4X3' Letter 6&A43'LetterT#XX(#ggdd  ISUS.,    -zv > *  X-8#dd8%   _ 4ABCD(%03  }su# @(`Lg  ###  X(X#umbreytingulgumumgreiWslukostnaWarviWopinberteftirlit   meWfjrmlastarfsemi,nr.99/1999,meWsWaribreytingum.##XX(Q#     ?3@%`________ c  @&`1.gr.    y 5.gr.lagannaorWastsvo:    y EftirtaldireftirlitsskyldiraWilarskulugreiWaeftirlitsgjaldaflagningarstofniYeim Z hlutfllumogstrWumsemhrsegir: M% "A0J"  A0J y2%  1  .3  Ԉ0    ViWskiptabankar,sparisj;Wir,lnafyrirtki,greiWslustofnanirografeyrisfyrirtkiskulu  greiWaeftirfarandihlutfllafeignumsamtals,Y;eigilgrifjrhWen1.000.000kr.:A0J݌   Ќ  "C"  C0 y 0y y e2%  a  .3  Ԉ0    ViWskiptabankar0,0338%.C݌   Ќ  "C"  C 0 y 0y y e2%  b  .3  Ԉ0    Sparisj;Wir,lnafyrirtki,greiWslustofnanirografeyrisfyrirtki0,0303%.C ݌yQ   Ќ  "A0J"  A0J  y2%  2  .3  Ԉ0    VtryggingaflgskulugreiWa0,356%afb;kfrWumiWgjldum,Y;eigilgrifjrhW D en1.000.000kr.A0J . ݌   Ќ  "A0J"  A0Ji  y2%  3  .3  Ԉ0    FlgeWaeinstaklingarsemstundavtryggingamiWlunskulugreiWa0,192%afYeim  iWgjldumsemmiWlaWhefurveriWnstliWnuri,Y;eigilgrifjrhWen450.000kr.A0Ji ݌}   Ќ  "A0J"  A0J$ y2%  4  .3  Ԉ0    VerWbrfafyrirtkiskulugreiWa0,41%afeignumsamtals,Y;aldreilgrifjrhWen pH 1.000.000kr.A0J$Q݌;   Ќ  "A0J"  A0J y2%  5  .3  Ԉ0    VerWbrfamiWlanirskulugreiWa0,41%afeignumsamtals,Y;aldreilgrifjrhWen  600.000kr.A0J݌   Ќ  "A0J"  A0J y2%  6  .3  Ԉ0    RekstrarflgverWbrfasj;WaskulugreiWa0,033%afeignumrekstrarflagsog t verWbrfa-ogfjrfestingarsj;WarekstriYesssamtals,Y;aldreilgrifjrhWen g? 1.000.000kr.Xskulufagfjrfestasj;WirrekstrirekstrarflagseWaannarsaWilagreiWa 2   0,025%afhreinnieignviWkomandisj;Ws,Y;aldreilgrifjrhWen300.000kr.A0J݌!   Ќ  "A0J"  A0J y2%  7  .3  Ԉ0    VerWbrfamiWstWvarskulugreiWa0,7%afrekstrartekjum,Y;eigilgrifjrhWen  " 600.000kr.A0J݌!k#   Ќ  "A0J"  A0J y2%  8  .3  Ԉ0    KauphallirskulugreiWa0,81%afrekstrartekjum,Y;aldreilgrifjrhWen600.000kr.A0J݌^"6$   Ќ  "A0J"  A0J- y2%  9  .3  Ԉ0    Lfeyrissj;WirskulusamtalsgreiWa0,011%afhreinnieigntilgreiWslulfeyris.GreiWa )#% skaleftirlitsgjaldiWsem1.140.000kr.fastagjaldvegnaYeirralfeyrissj;WaerhfWu #& hreinaeigntilgreiWslulfeyrisundireinummilljarWikr;na,1.720.000kr.vegnaYeirra $ ' lfeyrissj;WaerhfWuhreinaeigntilgreiWslulfeyrisfreinumtilogmeWtumilljarWa %b!( kr;na,3.000.000kr.vegnaYeirralfeyrissj;WaerhfWuhreinaeigntilgreiWslulfeyris U&-") frtum_illjrWum_ԀtilogmeWtuttuguogfimmmilljarWakr;na,5.580.000kr.vegna  '"* Yeirralfeyrissj;WaerhfWuhreinaeigntilgreiWslulfeyrisfrtuttuguogfimm '#+ _milljrWumtilogmeWeitthundraWmilljarWakr;naog6.470.000kr.vegnaYeirra ( lfeyrissj;WaerhfWuhreinaeigntilgreiWslulfeyrisYaryfir.XaWsemYer;greittaf  eftirlitsgjaldiskv.1.mlsl.greiWisthlutfalliviWhreinaeigntilgreiWslulfeyris.A0J-Z݌   Ќ  "A0J "  A0J y2%  10  .3  Ԉ0    InnlnsdeildirsamvinnuflagaskulugreiWafastagjaldsemnemur450.000kr.A0J,݌a   Ќ  "A0J "  A0J* y2%  11  .3  Ԉ0    0bWalnasj;WurskalgreiWa0,0043%afeignumsamtals,Y;eigilgrifjrhWen T, 1.000.000kr.A0J*W݌   Ќ  "A0J "  A0J y2%  12  .3  Ԉ0    Lnasj;Wursveitarflagaohf.skalgreiWa0,0092%afeignumsamtals,Y;eigilgri  fjrhWen600.000kr.A0J݌    Ќ  "A0J "  A0J y2%  13  .3  Ԉ0    Tryggingarsj;WurinnstWueigendaogfjrfestaogryggissj;Wirsamkvmtlgumum  X innstWutryggingarogtryggingakerfifyrirfjrfesta,nr.98/1999,skulugreiWafastagjald K #  semnemur500.000kr.A0J) ݌     Ќ  "A0J "  A0J! y2%  14  .3  Ԉ0    AWilarmeWinnheimtuleyfisamkvmtinnheimtulgum,nr.95/2008,skulugreiWa    fastagjaldsemnemur700.000kr.##A0J!"݌    Ќ   y EinstaklingaroglgaWilar,aWrirenfjrmlafyrirtki,semstarfrkjagjaldeyrisskiptastW wO  eWapeningaogverWmtasendingarYj;nustu,sbr.1.mgr.25.gr.alagaumaWgerWirgegn B  ###"###peningaYvttiogfjrmgnunhryWjuverka,nr.64/2006,skulugreiWafastagjaldsemnemur    600.000kr.    y ErlendirvrsluaWilarsreignarsparnaWarsemfengiWhafastaWfestinguYessrWuneytissem {  fermeWmlefnilfeyrissj;WareglumumviWb;tartryggingaverndogsreignarsparnaW,sbr. nF 10.gr.laganr.129/1997,umskyldutryggingulfeyrisrttindaogstarfsemilfeyrissj;Wa, 9 skulugreiWafastagjaldsemnemur1.600.000kr.   y BtiberlendraeftirlitsskyldraaWilasemfengiWhafastarfsleyfihrlandiskulugreiWa  eftirlitsgjaldsamkvmtviWeiganditluliW1.mgr. r  y EignarhaldsflgfjrmlasviWi,eignarhaldsflgvtryggingasviWi,blnduW e= eignarhaldsflg,blnduWeignarhaldsflgvtryggingasviWiogblnduWeignarhaldsflg 0 fjrmlastarfsemiskulugreiWafastagjaldsemnemur1.500.000kr.   y ###$#Btgefendurhlutabrfa,semtekinhafaveriWtilviWskiptaskipulegumverWbrfamarkaWi  ogmarkaWstorgifjrmlagerningahrlandi,skulugreiWafastagjaldtengtfjrhW i markaWsvirWistgefinnahlutabrfasinna.GreiWaskal370.000kr.fastagjaldvegnahlutabrfa \4 aWmarkaWsvirWiundirfimmmilljrWumkr;na,1.000.000kr.vegnahlutabrfaaW ' markaWsvirWifrfimmtilogmeWtuttuguogfimmmilljarWakr;na,3.000.000kr.vegna  hlutabrfaaWmarkaWsvirWifrtuttuguogfimmtilogmeWeitthundraWmilljarWakr;na,  5.500.000kr.vegnahlutabrfaaWmarkaWsvirWifreitthundraWtilogmeWfimmhundruW `  milljarWakr;naog7.850.000kr.vegnahlutabrfameWmarkaWsvirWiyfirfimmhundruW S+! milljrWumkr;na. "  y Btgefendurskuldabrfa,semtekinhafaveriWtilviWskiptaskipulegumverWbrfamarkaWi # ogmarkaWstorgifjrmlagerningahrlandi,skulugreiWafastagjaldtengtfjrhW  $ markaWsvirWistgefinnaskuldabrfasinna.GreiWaskal120.000kr.fastagjaldvegna !W% skuldabrfaaWmarkaWsvirWiundireinummilljarWikr;na,190.000kr.vegnaskuldabrfaaW J""& markaWsvirWifreinumtilogmeWfimmmilljarWakr;na,440.000kr.vegnaskuldabrfaaW #' markaWsvirWifrfimmtilogmeWtumilljarWakr;na,750.000kr.vegnaskuldabrfaaW #( markaWsvirWifrtutilogmeWfimmtumilljarWakr;na,1.060.000kr.vegnaskuldabrfaaW $ ) markaWsvirWifrfimmtutilogmeWtvhundruWmilljarWakr;naog1.250.000kr.vegna v%N!* skuldabrfaaWmarkaWsvirWiyfirtvhundruWmilljrWumkr;na. A&"+  y EftirlitsgjaldskalreiknastheilumYsundumkr;na.ViWlagninguskaljafnframtfra  '", lagningarstofnaYsundirkr;na. '#-  y FjrmlafyrirtkisemerstUrtafskilanefnd,slitastj;rneWabrWabirgWastj;rn_samkvmt (z$. lgumumfjrmlafyrirtki,nr.161/2002,;hWYvhvortviWkomandifyrirtkihefur ( starfsleyfi,takmarkaWstarfsleyfieWastarfsleyfiYesshefurveriWafturkallaW,greiWir  fastagjald.GjaldiWmiWastviWYaWstarfsleyfisemfyrirtkiWhafWiWurenYaWf;rundir  yfirrWskilanefndar,slitastj;rnareWabrWabirgWastj;rnaroggreiWistsamkvmteftirfarandi a sundurliWun:viWskiptabankar35.000.000kr.,aWrarlnastofnanir18.500.000kr.ognnur T, fjrmlafyrirtki8.500.000kr.GjaldsamkvmtYessarimlsgreingreiWistYangaWtilslitum  erlokiW.FyrirtkigreiWireftirlitsgjaldsamkvmtviWeiganditluliWum1.mgr.YartilYaW  ferundiryfirrWskilanefndar,slitastj;rnareWabrWabirgWastj;rnarenhlutfallslegaskv.2.   mlsl.YessararmlsgreinarfrYvtmamarki.  X @&`2.gr.     y LgYessiWlastgildi1.janar2012.    @#`_____________   @ `X(X#SamYykktAlYingi17.desember2011.##XX(8#