WPC/ qdt|]H=]$bcMt8&u״jnRsm!y %48b}OL3:үo-}Viq,u'?7NܼSxN >pu_i-ct$oT' ~A' $ƕm Z8ڍT զ~4 8`Ruf,NKa&p?Dw?]H!X0, & Ypm`듌6*߱_gQ~9Я;zo nNGŠšg|o7%vL?NN}arn (y!ip/3Hڣ& mocH* Mj0[pz3tgH9r&UN %b 0h#@ X Taw^  1U4L 1uN4 UNh mj 0Z 72 0  1 0DM( 1Z  0( 72!!!!!!!!!!!!! 1SSSSSSSSS 1 1{{ 0 0## 0%%% 1(((( 0u{) 0w) 0g* 0 +++++++++++++++++++++ B++++ 1++++++++++++++++++++++,m,m, -- 0L...................................................................................... 0........................................................................................ B-/(  Z6Times New Roman RegularX($}}TRW6&A4W6&A4 6&A4 6&A4T#ggdd  ISUS.,    -zv > *  X-8dd8% ^^` Adobe PDF0W:\COREL8\TEMPLATE\CUSTOMWP\SKJRI~4T.WPTW:\corel8\template\customwp\Skjritun4.wptTZRI =?EKQW_gmstafl.a.1.a.1.(a)(i)1)a))'\  `TimesRoman3#37=CIQYag1.a.i.(1)(a)(i)1)a)DžyGό|)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.8DocumentManagement::ModifiedBooleanTRUE  XVIILV($*0gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)(5hCEKQW]cioAutoList1a.a.a.a.a.a.a.a.ABCD %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.(3ld$ !}X(}XXXTRW6&A4X3' Letter 6&A43'LetterTyXX(}#ggdd  ISUS.,    -zv > *  X-8ydd8% ^^`   (3ld$ !}X(}XXXTRW6&A4X3' Letter 6&A43'LetterTyXX(}#ggdd  ISUS.,    -zv > *  X-8ydd8% ^^`   (3%$ !}X(}XXXTRW6&A4X3' Letter 6&A43'LetterTyXX(}#ggdd  ISUS.,    -zv > *  X-8ydd8% ^^`    d (uhCEKQW]cioAutoList51.1.1.1.1.1.1.1.(M0J$2  0  .3  0 ` (O;$0  2#  a  .3  0` (#(#(u$0  0` (#(#` `  2  a  .3  0` (#` (#(`$0  0` (#(#0 ` (#` (#0 (# (#"h2  0  .3  0(#(# d(UhCEKQW]cioAutoList3a.a.a.a.a.a.a.a. " 6ld'X(}XXXyXX(}#ggdd  ISUS.,  -zv > *  X-  _  D   8ld)X(}XXXyXX(}#ggdd  ISUS.,  -zv > *  X-  _Ԁ>c$"Small Circle"0 (xir$0  0` (#(#0 ` (#` (#2#(  0  )3  0 (# (#)Hairline d !}X(}XXXTRW6&A4X3' Letter 6&A43'LetterTyXX(}#ggdd  ISUS.,    -zv > *  X-8ydd8% ^^`   _ 4ABCD(%03  }suBy @(`Lg  #yB#  X(}XyumstuWningtilkaupafyrstubW.#yXX(}Q#    ?3@%`________     1.gr.    GildissviW.   . y LgYessigildaumskattfrjlsattektsreignarsparnaWar,sbr.8.gr.lagaumskyldutrygg x  ingulfeyrisrttindaogstarfsemilfeyrissj;Wa,tilkaupafyrstubW. kC   2.gr.  RWstfunogskilyrWifyrirttektsreignarsparnaWar.  z y RtthafasreignarsparnaWarerheimiltaWnUtaviWb;tariWgjald,semgreittersamfelldu o turatmabili,eftirgildistkulagaYessara,aWtilteknuhmarkiri,sbr.4.gr.,meWYvaW: b:  *(g004ABCD"A0J"  A0J y2  a  .3  Ԉ0    verjauppsfnuWuiWgjalditilkaupafyrstubWog/eWaA0J݌-   Ќ  "A0J"  A0J  y2  b  .3  Ԉ0    rWstafaiWgjaldiinnhfuWst;llnssemtryggtermeWveWifyrstubW.A0J ݌   Ќ   4ABCD(%00*XerrtthafaheimiltaWnUtaiWgjaldsemafborguninn;verWtryggtln,semtryggtermeW  veWifyrstubW,ogsemgreiWsluinnhfuWst;lYesseftirYvsemnnarerkveWiWum f 3.gr. Y1  y SkilyrWittektarsreignarsparnaWieraWrtthafihafiekkiWurttbWogaWhannafli $ srbWarhsnWisannaWhvorteinneWaflagiviWannaneinstakling.Xskalrtthafieiga  aWminnstakosti30%eignarhlutYeirribWsemaflaWer.   y RtthafivelurupphafsdaghinssamfelldaturatmabilsmeWYvaWtiltakaums;knupp ] safnaWiWgjaldsemhannhyggstverjatilkaupafyrstubW,sbr.aliW1.mlsl.1.mgr.,eWa P( meWYvaWhefjarWstfuniWgjaldsinnhfuWst;llnssemtryggtermeWveWifyrstubW,   sbr.bliW1.mlsl.1.mgr.SamagildirumrWstfuniWgjaldsinn;verWtryggtln,sbr.2. ! mlsl.1.mgr.MeWhugtakinuturasamfellttmabilerttviW120mnaWasamfellttmabil  " frupphafsdegieinsoghannerskilgreindur1.mlsl.VerWirofhjrtthafagreiWsluiW |!T# gjaldaleiWirYaWtilYessaWrtturinnfellurniWurenhanngeturstofnastaWnUjuhefjihann G"$ iWgjaldagreiWslurWurenturatmabilinuerlokiW.HafiorWiWrofgreiWsluiWgjaldalengri #% tmaenYrjmnuWiskalrtthafiskjaumrttinnaWnUju. #&  y HeimildrtthafatilaWrWstafaviWb;tariWgjaldisamkvmtlgumYessumfellurekkiniWur $ ' Y;ttrtthafiseljibWinaogkaupisrnUjabWstaWYeirrarsemseldvar.SkilyrWieraW s%K!( skiptibWfariframinnanturatmabilsins,sbr.3.mgr.,ogaWkauprtthafanUrribW >&") fariframinnant;lfmnaWafrsWustusluYeirrarbWarsemveittirtttilttektarsreignar  '"* sparnaWarsamkvmtlgunum.RtthafaerheimiltaWrWstafaviWb;tariWgjaldiinnlnmeW '#+ veWihinninUjubWYangaWtilhinuturasamfelldatmabililUkur. (w$, Ї  3.gr. ( RWstfuninn;verWtryggtln.   y VeljirtthafiaWgreiWabWiinnafborgunoghfuWst;l;verWtryggWslns,sbr.2.mlsl.  1.mgr.2.gr.,skalviWb;tariWgjaldrtthafafyrstkomatilrWstfunarsemafborgun;verW a tryggWslnsWureniWgjaldierrWstafaWinnhfuWst;lfyrstut;lfmnuWumsamfelldstu T, ratmabils.EftirYaWlkkarrWstfuniWgjaldstilgreiWsluafborgunarumsemnemur10  pr;sentustigumafviWb;tariWgjaldihverjuri.HafirtthafiWurnUttsrheimildskv.aog  bliW1.mlsl.1.mgr.2.gr.skalhlutfallYesssemrWstafaWertilafborgunarlnsoginn   hfuWst;llnsbreytastmiWaWviWYannfjldarasemeftirerafturasamfelldutmabili.  X   4.gr.    HmarksfjrhWir.     y Heimildrtthafaskv.2.gr.takmarkastviWalltaW4%framlaghans,aWhmarki333Ys.   kr.,ogalltaW2%framlaglaunagreiWanda,aWhmarki167Ys.kr.,afiWgjaldsstofni,saman wO  lagtaWhmarki500Ys.kr.fyrirhverjat;lfmnuWisamfellduturatmabili. B   y FramlagrtthafamekkiveralgraenframlaglaunagreiWanda.      5.gr. {  Ums;knogrWstfun. nF 7 y Ums;knrtthafaumnUtingusreignarsparnaWartilkaupafyrstubWskv.2.gr.skal 9 beintrafrnttilrkisskattstj;raYvformisemhannkveWur.   y Umskjandiskalums;knframvsaggnumsemsUnaframaWskilyrWi2.gr.suupp  fyllt.Rkisskattstj;raerheimiltaWbyggjarafrnumupplUsingumfrumskjandaogviW r eigandistofnunum,tilaWmyndarfasteignaskrXj;Wskrr,tilstaWfestingaraWskilyrWi2. e= gr.suuppfyllt.XskuluvrsluaWilaroglnveitendur,eftirYvsemviW,aWbeiWnirkis 0 skattstj;rastaWfestahvortYrupplUsingarsemumskjandiveitirsurttar.   y UmskjandaerskyltaWupplUsarkisskattstj;rarafrntumbreytingarforsendumum  s;knar,svosemumlnogvrsluaWilasreignarsparnaWar. i  y Rkisskattstj;riskalhaldaskryfirnauWsynlegarupplUsingarvegnagreiWsluviWb;tar \4 iWgjaldainnafborgunoghfuWst;llnasemumskjendurhafavaliW.Skrinskalm.a. ' byggjasteftirfarandi:  "A0J"  A0J" y2  1  .3  Ԉ0    UpplUsingumfrumskjandasemstaWfestarhafaveriWafvrsluaWilumsreignarsparn  aWaroglnveitendum,eftirYvsemviW.A0J"/"݌`    Ќ  "A0J"  A0J# y2  2  .3  Ԉ0    UpplUsingumfrlnveitendumumgreiWsluskilmlalna.A0J##݌S+!   Ќ  "A0J"  A0J$ y2  3  .3  Ԉ0    UpplUsingumsemrkisskattstj;rirWuryfirgrundvelliskattframkvmdar,eftirYv " semnauWsynlegter.A0J$$݌#   Ќ   y AWuppfylltumskilyrWum2.gr.ogaWfengnumupplUsingumskv.4.mgr.miWlarrkisskatt  $ stj;rirugganhttnauWsynlegumupplUsingumtilviWeigandivrsluaWilasemstaWfestir !W% greiWslusguviWb;tariWgjalda.XsendirvrsluaWilitilkynningutilviWeigandilnveitanda J""& samtgreiWsluviWb;tariWgjldumrtthafasemlnveitandirWstafarinnhfuWst;lvalinna #' lnaogafborganaeftirYvsemviW.EflneruvanskilumferumgreiWslunaeftirhefW #( bundinnigreiWslurWsamkvmtlnaskilmlum. $ )  y VrsluaWilarskulurWstafagreiddumviWb;tariWgjldumtillnveitendaeigisjaldnaren v%N!* fj;rumsinnumriendahafirtthafiekkigerthlgreiWsluviWb;tariWgjalda.VrsluaWilum A&"+ erY;heimiltaWrWstafagreiddumviWb;tariWgjldumtillnveitendasjaldnarenYriggja  '", mnaWafrestiendahafivalinlnumskjendafrrienfj;ragjalddagari.VrsluaWilar '#- skulurWstafaviWb;tariWgjldumtillnveitendaYeimtmaYegariWgjldgetafariWinn (z$. _hfuWst;lvalinnalnaskilumskv.5.mgr.oggjalddagaafborganaeftirYvsemviW. ( UpplUsingarumgreiWslurviWb;tariWgjaldaskulusendarrafrnttilrkisskattstj;ra.Vrslu  aWiliskalsendartthafayfirlitumrWstfunviWb;tariWgjaldasamkvmtlgumYessum  samrmiviWIII.kaflalagaumskyldutryggingulfeyrisrttindaogstarfsemilfeyrissj;Wa, a Y;ekkisjaldnareneinusinniri. T,   6.gr.  TmiskvWi.   - y Rkisskattstj;rihefureftirlitmeWtgreiWsluiWgjaldasamkvmtlgumYessum.  X  y RWherraerheimiltmeWreglugerWaWkveWannarumframkvmdlaganna,m.a.umum K #  s;knarferli,rWstfun,eftirlitogkostnaW.     y Skuldheimtumnnumer;heimiltaWkrefjastYessaWskuldararrWstafisreignarsparnaWi    samkvmtlgumYessum.     7.gr. B  Kruheimild.    *0 y kvarWanirrkisskattstj;rasemteknarerugrundvellilagaYessaraerukranlegartil   yfirskattanefndar. {    8.gr. 9 Gildistaka.  51 y LgYessiWlastgildi1.jl2017.   y RtthafasemhefurekkinUttsrheimildkvWistilbrWabirgWaXVIIlgumumskyldu r tryggingulfeyrisrttindaogstarfsemilfeyrissj;Wafyrir1.jl2017erheimiltaWverjaYeim e= iWgjldumgrundvellikvWaYessaralaga.SkilyrWieraWumkaupfyrstubWsaWrWa. 0 TmabiluppsfnunarsamkvmtkvWitilbrWabirgWaXVIIlgumumskyldutryggingu  lfeyrisrttindaogstarfsemilfeyrissj;Wakemurtilfrdrttarsamfellduturatmabilisem  kveWiWerum1.mgr.2.gr.lagaYessara. i  y RtthafasemhefurnUttsrkvWitilbrWabirgWaXVIIlgumumskyldutryggingulf \4 eyrisrttindaogstarfsemilfeyrissj;Waog/eWaeftiratvikumkvWitilbrWabirgWaXVIsmu ' lagatilflunarbWarhsnWitileiginnotaerheimiltaWrWstafaviWb;tariWgjaldiinn  hfuWst;llnssemtryggtermeWveWibWinniogeftirYvsemviWafborganirlnsuns  samfellduturatmabiliernW,sbr.3.mgr.2.gr.lagaYessara.SkilyrWieraWumfyrstu `  kaupbWarhsnWihafiveriWaWrWa,aWrtthafiL  M  ԀaflisrbWarhsnWisannaWhvorteinn S+! eWaflagiviWannaneinstaklingL  M  ԀogaWhanneigiaWminnstakosti30%eignarhluths " nWinu.TmabilrWstfunarsamkvmtkvWitilbrWabirgWaXVIIogeftiratvikumkvWi # tilbrWabirgWaXVIlgumumskyldutryggingulfeyrisrttindaogstarfsemilfeyrissj;Wa  $ kemurtilfrdrttarsamfellduturatmabiliskv.1.mgr.2.gr.lagaYessara. !W%  y Rtthafisemfellurundir3.mgr.skalmeWums;knskjaumframhaldandirWstfunviW J""& b;tariWgjalda,sbr.5.gr.lagaYessara. #'   9.gr. $ ) BreytingWrumlgum. v%N!* : y ViWgildistkulagaYessaraverWaeftirfarandibreytingarWrumlgum: A&"+ ! ! 4ABCD(%004ABCD"A0J"  A0J< y2  1  .3  Ԉ0    Lgumtekjuskatt,nr.90/2003,meWsWaribreytingum:A0J<K<݌ '",   Ќ  "C"  C<=0 y 0y y e2  a  .3  Ԉ0    ViW28.gr.lagannabtistnUrtluliWur,svohlj;Wandi:BttektviWb;tariWgjaldsafiW '#- gjaldsstofnimannaskv.II.kaflalagaumskyldutryggingulfeyrisrttinda_ogstarf (z$. semilfeyrissj;Wa,efllskilyrWilagaumstuWningtilkaupafyrstubWeruupp ( fyllt.C<=i=݌   Ќ  "ir"  ir?0 y 0y y 0e  23  0e e    HeimildmannatakmarkastviWalltaW4%framlagYeirraafiWgjaldsstofni,aWh  marki333Ys.kr.,ogalltaW2%framlaglaunagreiWanda,aWhmarki167Ys.kr., a afiWgjaldsstofni,samanlagtaWhmarki500Ys.kr.fyrirt;lfmnuWisamfelldutu T, ratmabili,sbr.4.gr.lagaumstuWningtilkaupafyrstubW.EftgreiWslasr  eignarsparnaWarferframrYvhmarkitelstYaWsemerumframtilskattskyldra  teknagreiWsluri.ir??݌    Ќ  "ir"  irC0 y 0y y 0e  23  0e e    RWherraerheimiltmeWreglugerWaWkveWannarumframkvmdkvWisins.irCLC݌ X   Ќ  "C"  CvD0 y 0y y e2  b  .3  Ԉ0    EftirfarandibreytingarverWakvWitilbrWabirgWaLVlgunum:CvDD݌K #    Ќ   *(g004ABCD<yvi )  zv > *  <"D`"  D`F0 y 0y y 0e  0e e i 2g  a  .3  Ԉ0     0staW?30.jn2017 1.mgr.kemur:30.jn2019.D`FF݌      Ќ  "A0J"  0 y 0y y 0e  0e e A0JGi 2g  b  .3  Ԉ0     0staW?1,5millj.kr. og?2.250.000kr. 1.mlsl.3.mgr.kemur:2,5millj.kr.;    og:3.750.000kr.A0JGjH݌     Ќ   4ABCD(%00*E@zv > *  yvi )  KF@"A0J"  A0JsJ y2%  2  .3  Ԉ0    Lgumskyldutryggingulfeyrisrttindaogstarfsemilfeyrissj;Wa,nr.129/1997,meW wO  sWaribreytingum:A0JsJJ݌B    Ќ  "C"  CK0 y 0y y e2%  a  .3  Ԉ0    0staW?30.jn2017 1.mgr.kvWistilbrWabirgWaXVIlgunumkemur:30.    jn2019.CK L݌    Ќ  "C"  CfM0 y 0y y e2%  b  .3  Ԉ0    0staW?30.jn2017 1.mgr.kvWistilbrWabirgWaXVIIlgunumkemur:30. {  jn2019.CfMM݌nF   Ќ  @#`_____________ e= @Z Z `X(}XySamYykktAlYingi12.okt;ber2016.#yXX(}AO#