WPC4 lTxi[9y76‡[ٹ:@m9yOQ*#֑E$4)PytɈ]J\BK$7PBB34bT8D/clfY*:ptCL qY'h(P෧d(=XMhe0[ZG(=Tf9M%=Kd))r߃Lkb#~ 9E3f.REz7<$ݰfo 9W;lת'N3&Թ~㑿0tόsV+sUQ|_C]pejAuxYR&Mw4Xf62(k~g q1 6Z}KpdES[H7Wpވ yڋ/3{xfX~,I 2Y>JtWg-|U :|~:UN, %z 0#w(@ 4h m>w"^ 4!5ZD 0( B- 0; 0D.;rD 0 (]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!]!N""""" 1"" 0#### 0+&+& 0>)>) 0u],], 0w,, 0I-I- 0-- 1u.... B / / / /$=/=/=/=/=/=/=/=/=/=/=/=/ 72a0a0a0a0 1000000000000000000000U:41414141Mn1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1n1 0r12 02s3 094&d9 Z6Times New Roman RegularX($,..,VTRW6&A4W6&A4 6&A4 6&A4T ? VV0?vvbX0#ggdd  8Vdd8ISUS,.     ^^` Adobe PDF 0 W:\WP2000\SKJRI~IZ.WPTUW:\WP2000\SkjritunY2k-nytt.wptMMMMY)GGF:i+003|x8DocumentManagement::ModifiedBooleanTRUE($)Hairline d(%2$f$ !,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? pXX0?vvbX0#ggdd  8pdXXd8ISUS,.     ^^`     0  0  (#$  0   1  y_ : e>),..,XXXX? pXX0?vvbX0#ggdd  ISUS,.   _>? ҀT : l*umgrum einstakar greinar  Um1  .ۀgr.  umLevel 1Level 2Level 3Level 4Level 5  a>',..,XXXX? pXX0?vvbX0#ggdd  ISUS,.   _Ԁikmo %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.(3>$ !,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? pXX0?vvbX0#ggdd  8pdXXd8ISUS,.     ^^`   (3>$ !,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? pXX0?vvbX0#ggdd  8pdXXd8ISUS,.     ^^`   (3$ !,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? pXX0?vvbX0#ggdd  8pdXXd8ISUS,.     ^^`    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  g+,..,XXXX? pXX0?vvbX0#ggdd  ISUS,.   d  ݀qi) gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)4cp Z "Times Regular8_ 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.    !,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? pXX0?vvbX0#ggdd  8pdXXd8ISUS,.     ^^`   _>?  _ikmo(%03q  &145.lggjafarYing2015!2016. ( Xingskjal3"3.ml.     ]p@ Frumvarptillaga#p ]d#     umbreytingulgumumalmannatryggingar,nr.100/2007   (hkkunlfeyris300Ys.kr.).  X Flm.:rniPllrnason,HelgiHjrvar,KatrnJlusd;ttir,KristjnL.Mller,    ЀOddnUG.HarWard;ttir,:lna_Kjerlf_ԀXorvarWard;ttir,SigrWurIngibjrgIngad;ttir,    ValgerWurBjarnad;ttir,ssurSkarphWinsson.     1.gr. B    ViWkvWitilbrWabirgWalgunumbtistnUrtluliWur,svohlj;Wandi:XrttfyrirkvWi    69.gr.skulubturalmannatrygginga,svooggreiWslurskv.63.gr.ogfjrhWirskv.22.gr.,   hkkaum8,86%fr1.ma2015,um6,12%1.ma2016ogum7,14%1.ma2017. {    2.gr. 9   LgYessiWlastYegargildi.  #dgg  GreinargerW.#ggd  r %   MeWfrumvarpiYessuerlagttilaWelli-ogrorkulfeyriralmannatryggingafylgiYr;un e= _lgmarkslauna_ԀsamrmiviWkjarasamningaogverWi300Ys.kr.riW2018.GreiWslurnar 0 faristighkkandiframtil2018meWhliWstWumhttioglgstulaunsamkvmtkjarasamn  ingum.0nUgerWumkjarasamningumhefurveriWlagttilgrundvallaraW300Ys.kr.suhfi  leglgmarkslaunafYvaWYaWssfjrhWsemslaunaf;lkinauWsynlegtilmannsmandi i framfrslu.HiWsamahlUturaWgildaumaldraWaogryrkjasemreiWasiglfeyrialmanna \4 tryggingatilaWsjsrfarborWa.MarkmiWYessafrumvarpseraWYeimh;piverWijafnframt ' tryggWarlgmarkstekjurtilmannsmandiframfrslu.    Lj;steraWst;rh;puraldraWraogryrkjabUrviWftkt.Tplegafj;rWungurryrkjabUr  viWskortefnislegumgWumsamkvmtranns;knHagstofu0slandsfrjl2015ogvoru `  ryrkjarsh;pursemverststendurYegarYtttakendurerugreindireftir_atvinnustWu_. S+! ryrkjumsembaviWveruleganskortefnislegumgWumferfjlgandi,eWar5%11% " milliranna2013og2014,enrunum2013!2015hkkaWilfeyriralmannatrygginga # bilinu3!3,9%,semYUddium5.000kr.hkkun_rWstfunartekna_Ԁhverjusinni.  $   StaWaaldraWranernYannigaW10.685_lfeyrisYegar_ԀnekkiviWmiWumum_lgmarkslfeyri_Ԁogf !W% YarafleiWandisrstakauppb;ttilframfrslu.Xaraferu4.199ellilfeyrisYegar,5.553rorku J""& lfeyrisYegarog955semf_endurhfingalfeyri_.Sh;purbUrviWkrppkjren_viWhorfs #' knnun_ԀsemgerWvarmeWaleldriborgarariW2012komframaW4%hfWufrestaW_lyfjakaup #( um_ԀsWustufimmrum,tp7%sgWusthafafrestaWlknisheims;knog14%sgWusthafa $ ) tWarfjrhagshyggjur.MeWalrorkulfeyrisYegahfWu42%neitaWsrumlknisYj;nustu v%N!* rinu2013,samkvmtknnun_Flagsvsindastofnunnar_.Konurerujafnframtsrstkum A&"+ _httuh;pi_,YarsemYrerumeirihlutarorkulfeyrisYega,ffrekarsrstakauppb;ttil  '", _framfrslu_ԀogfalmenntlgrigreiWslurrlfeyrissj;Wum.riW2014vorukonur63%Yeirra '#- &  y_   __rorkulfeyrisYegasemfengusrstakauppb;ttilframfrsluogmeWal_ellilfeyrisYega_Ԁvoru ( konur68%_Yeirrasemfengusrstakauppb;ttilframfrslu.    TilgrundvallarYeimhkkunumsemlagWarerutilfrumvarpinuliggjahkkanirsam  kvmtkjarasamningimilliStarfsgreinasambands0slandsogSamtakaatvinnulfsinsfr29. a ma2015,semtlaWeraWgildatilrsloka2018.0samningnumermiWaWviWstighkkandi T, launsamningstmanumog300Ys.kr.lgmarkslaunfr1.ma2018    LgstulaunvoruhkkuWumsamkvmtkjarasamningumum31.000kr.1.ma2015og  eigaaWhkkaum15.000kr.riW2016,eWaumsamtalsum46.000kr.BoWuWhkkunlfeyris   almannatrygginganrekkifyrrgreindummarkmiWumoggerirraunarrWfyrirhelmingilgri  X hkkunlfeyrisalmannatryggingaenlgmarkslauna,aukYesssemhkkunlgmarkslauna K #  kemurttamnuWumfyrrtilframkvmda.      FramfrsluviWmiWelliogrorkulfeyrisvar225.070kr.fyrireinstaklingmeWheimilis    uppb;tbyrjunrs2015.SupphWmundiYr;astmeWeftirfarandihtti:     1.ma2015kr.245.000mnuWi. wO    1.ma2016kr.260.000mnuWi. B    1.ma2017kr.280.000mnuWi.      1.ma2018kr.300.000mnuWi.     SamhliWabreytingumsemlagWarerutilYarfaWdragarvgitekjuskerWingarvegna {  srstakraruppb;tarlfeyri(kr;num;tikr;nu)semkveWiWerumlgumumflagslega nF aWstoW(nr.99/2007).GerterrWfyriraWbreytingarfjrhWumtilsamrmisviWfrumvarpiW 9 verWibirtarreglugerWum.