WPC9' ej̖h 3ѣo4p`U o H>^Ufl6QpE"|^&+ۣzEӝ? |t5΋Kَ(dJe:ueҹ d娌p8&ϫc<;&&ˣVA u~}?.8$(EB?|_s= &ǎgn/ￅY}z6AGBAhqNs*Ċ#^op*,>!:T*zV)tf/`{>hdW?JVE5O{m D>g'Vc!h|^@enmI`,uWfl5}K=Q!,+7/VF^+wP 엸E"jYX]I)-PC@%qK[־5[GR_A`kTabN(UN" %p 04v #(k 4 m>w^^ |4:N 1 0Q 0Q 0]00 0u 0w!! 0y!y! 0"" 1u"""" BP#P#P#P#6m#m#m#m#m#m#m#m#m#m#m#m# 72$$/$$ 1%%%%%%%%%%%%%%%%%%%%%U:%%%%M%%%%V%&d9 Z6Times New Roman RegularX( Z$ IS , .\R6&A4\XħXXXTRW<6&A4W<6&A4 6&A4 6&A4T ? XXħ0?vvbX0#ggdd  8dXXd8ISUS.,    Adobe PDFtt0 W:\WP2000\SKJRI~IZ.WPTUW:\WP2000\SkjritunY2k-nytt.wptTUEVWXMYMZ[\]^M_M`MaMbMm5s 5:i+003|xb 0 a{'ISUS.,,,..X2XXX? $XX20?vvbX0#ggdd  ISIS,.   _Ԁ  ` ikmo %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.()3{$ Z!ISUS.,,,..TRV<6&A4X3' Letter 6&A43'TX_XXXTRV<6&A4V<6&A4 6&A4 6&A4T ? ;XX_0?vvbX0#ggdd  8JUdd8ISIS,.     ()3{$ Z!ISUS.,,,..TRV<6&A4X3' Letter 6&A43'TX_XXXTRV<6&A4V<6&A4 6&A4 6&A4T ? ;XX_0?vvbX0#ggdd  8JUdd8ISIS,.     (53n$ Z!ISUS.,,,..TRV<6&A4X3' Letter 6&A43'TX_XXXTRV<6&A4V<6&A4 6&A4 6&A4T ? ;XX_0?vvbX0#ggdd  8JUdd8ISIS,.      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 , gn+ISUS.,,,..X2XXX? $XX20?vvbX0#ggdd  ISIS,.   d  ݀qi) %y_ gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)4cp Z "Times Regular L e{)ISUS.,,,..X2XXX? $XX20?vvbX0#ggdd  ISIS,.   _>? Ҁ Z!ISUS.,,,..TRW<6&A4X3' Letter 6&A43'TX2XXXTRW<6&A4W<6&A4 6&A4 6&A4T ? $XX20?vvbX0#ggdd  8$dd8ISIS,.     _>?  _ikmo(%03q"  9W133.lggjafarYing2006!2007. ( Xskj.599"330.ml.     G$@XX_Nefndarlit_#$ G#   umfrv.till.umbreyt.l.umalmannatryggingaroglgumummlefnialdraWra.   @ Frminnihluta_heilbrigWis_Ԅogtrygginganefndar. K #    NefndinfjallaWiummliWogfkksinnfund_Vilborgu_ԀX._Hauksd;ttur_Ԁfr_heilbrigWis_Ԅog    tryggingamlarWuneyti,:lafHjlmarssonogEyY;rBenediktssonfrfjrmlarWuneytiog   _smund_ԀStefnsson,KarlSteinarGuWnason,gstX;rSigurWsson,SigrWi_LillU_Ԁ_Baldurs wO  d;ttur_ԀogSigurWGrtarssonfrTryggingastofnunrkisins,:laf:lafsson,Einarrnason, B  HelgaK._Hjlmsson_,BorgY;r_St_._Kjrnested_ԀogTraustaBjrnssonfrLandssambandieldri    borgaraReykjavk,Margrti_Margeirsd;ttur_,StefanuBjrnsd;tturogSigurWHallgrmsson   frFlagieldriborgaraog_Sigurstein_ԀMssonog_Hafdsi_ԀGslad;tturfr_ryrkjabandalagi_ {  0slands. nF   XbrustumsagnirummliWfrSamtkumatvinnulfsins,_ryrkjabandalagi_Ԁ0slands,_Lg 9 mannaflagi_Ԁ0slands,AlYUWusambandi0slands,Pers;nuvernd,Landssambandieldriborgara,  FlagieldriborgaraReykjavk,Tryggingastofnunrkisins,_Landssamtkum_Ԁlfeyrissj;Wa,  landlkni,Xroskahjlp!_landssamtkum_,FlagislenskrahjkrunarfrWingaogSamtkum r _sykursjkra_. e=   MinnihlutinefndarinnarteluralltofskammtgengiWaWbtarttindiogkjrlfeyrisYega 0 YessufrumvarpiogleggurYvframbreytingartillgursamrmiviWsameiginlega_Yings  lyktunartillgu_Ԁallrarstj;rnarandstWunnarumnUja_framtWarskipan_Ԁ_lfeyrismla_,sj_Yskj_.  3,3.mlSR,RST.T i   MinnihlutinntelurmjgmikilvgtaWminnka_vinnuletjandi_ԀYtti_almannatryggingunum_ \4 ogvilllosalfeyrisYegarYeirri_ftktargildru_Ԁsemmiklar_tekjutengingar_ԀhafafrmeWsr. '   _AtvinnuYtttaka_ԀlfeyrisYegaeykurflagslegavirkniYeirra,erYj;Whagslegahagkvmog  lklegtilaWstuWlaaWbetraheilbrigWi.    ViWyfirferWfrumvarpsinsnefndinnilUstufulltrareldriborgarayfirstuWningiviWtila `  algurstj;rnarandstWunnarumnUja_framtWarskipan_Ԁ_lfeyrismla_.Xeir_trekuWu_Ԁeinnigfundi S+! nefndarinnaraWYeirhefWuveriW_;sttir_ԀviWtillgurrkisstj;rnarinnarsemsneruaWlfeyris " mlumsameiginlegriyfirlUsinguoghefWufallisthanaundirYrUstingiogh;tunumumaW # _hjkrunarkafli_Ԁ_yfirlUsingarinnar_ԀyrWitekinntefYeirgerWuYaWekki.Framkomhjgestum  $ nefndinniaWstj;rnvldhefWiekkiviljaWgangalengraenframkemurfrumvarpinuog !W% yfirlUsingunnifr19.jn2006.VFVWVEBVWWlageldriborgaraWVtelur_yfirlUsinguna_Ԁeingngusporrtta J""& tt.VFulltrarryrkjabandalags0slandslUstueinnigyfirstuWningiviWtillgur_stj;rnarXXandY #' YstWbbunnar_ԀsemvarWaryrkja. #(   FulltrarTryggingastofnunarbentuUmsaalvarlegavankantafrumvarpinuogYv $ ) fyrirkomulagisemvrilgfestmeWYvaWsamYykkjaYaW.Einnarkr;nuofhartekjurgtu v%N!* haftfrmeWsr1.300!1.400ZYs.Zkr[;na[[.[_tekjuskerWingu_Ԁ\ri\viWkveWnaraWstWurogjafnvel A&"+ _endurkrfu_ԀYeirriupphWfrTryggingastofnunrisWar.EinnigvarbentaWmismunandi  '", _gildistaka_ԀUmissaYttafrumvarpsinsUU,svosemhkkun_tekjutryggingarinnar_Ԁogsvolkkun '#- tengingarviWtekjurmakasWar]samhliWahkkuneigin_skerWingarhlutfalls_],flktikerfiW (z$. staWYessaWeinfaldaYaW,semvareittaf_markmiWunum_ԀmeWbreytingunum.Hkkun_tekju_^ m)E%/ 9 y_   _^_trygg``ingar__innar_Ԁumram;tinhefWifrmeWsrmeWaWallmargirlfeyrisYegarfengju ( hkkunYsemsWanyrWitekintilbakanstakjrtmabiliYegartengingviWtekjurmaka  verWurminnkuW.XvvrinraWltaYessiatriWitakagildisamhliWa.blaWamannafundi6.  desembersl.kynntuheilbrigWisrWherraogfjrmlarWherranokkrarfrekaribreytingar a frumvarpinuafhlfurkistj;rnarinnar,ogmeWYeimerkomiWvegfyriraWbturhkkifyrst T, oglkkisWar,samkvmtupplUsingumfulltraTryggingastofnunarsemkomfyrirnefndina  tilaWfarayfirYrbreytingar.AWrarbreytingarsemYarvorukynntar,svosem25Ys.kr.  frtekjumarkmnuWifrram;tumgangaalltofskammtaWmatiminnihlutans.     BreytingartillgurminnihlutanseruefnislegaeftirfarandienYrkomaframsrstku  X skjali: K #  "i0J"  i0J#2%  1  .3  Ԉ0    NUtekjutryggingaldraWraverWi85Ys.kr.ogryrkja86Ys.kr.fr1.janar2007aW    viWbttumvsitlubreytingumsemorWiWhafa.LagtertilaWskerWingarpr;sentanfari    Yegarumram;tr45%35%enrkisstj;rnintlaraWlkkahana39,95%Yog   aftur38,35%riW2008.HreruYvlagWartilmunminnitekjuskerWingarstraxfr1. wO  janar2007aukhrritekjutryggingar.i0J#C#݌B  Ќ  0  0  Breytingarrkisstj;rnarinnarfelasraWsameinatekjutrygginguogtekjutryggingar    aukaeinnb;taflokkogaWtekinverWiuppnUtekjutryggingsem1.janar2007verWur   78.542kr.fyriraldraWaog79.600kr.fyrirryrkja.{  "i0J"  i0Jp'2%  2  .3  Ԉ0    FrtekjurvegnaatvinnuteknalfeyrisYegaverWi75Ys.kr.mnuWifr1.janar2007. nF XrskerWiekkitekjutryggingu.SkoWaWverWihvortnUtamegihlutaYessafrtekjumarks 9 fyrirtekjurrlfeyrissj;Wi.LfeyrisYegarhafivalumYettanUjafrtekjumarkeWaeldri  reglusemWurgiltiaWeinsfyrirrykja,eftirYvhvorterYeimhagstWara.FyrirYsem  erumeWrstekjurundir1,5millj.kr.erYettanUjafrtekjumarkhagstWaraensregla.i0Jp''݌r Ќ  "i0J"  i0J*2%  3  .3  Ԉ0    RWstfunarf(vasapeningar)viWdvlstofnunhkkium50%frfr1.jl2006 e= samtYvaWfrtekjumarkgagnvarttekjumYeirrasemdveljastofnunumverWihkkaW 0 r50Ys.kr.75Ys.kr.ViljiminnihlutanseraWfr1.janar2008verWistefntaWYv  aWbreyttverWigreiWslufyrirkomulagidaggjaldastofnunumfyriraldraWasvipaWaveru  oggildirfyrirfatlaWasambUlum.i0J**݌i Ќ  "i0J"  i0J-2%  4  .3  Ԉ0    AfnuminverWiaWfullutengsllfeyrisgreiWslnaviWatvinnu-oglfeyristekjurmakastrax \4 umnsturam;t.i0J--݌' Ќ  "i0J"  i0J.2%  5  .3  Ԉ0    ryrkjarhaldialdurstengdrirorkuuppb;tYegarfariWerellilfeyri.Sbreytingtaki  einniggildiumnsturam;t.i0J.+/݌ Ќ    MinnihlutinntelurbrUntaWendurskoWalfeyriskaflalagaumalmannatryggingar.Undir `  YaWt;kufulltrareldriborgarasemkomufyrirnefndina.XendurskoWunverWuraWvinna S+! fullusamrWiviWsamtkaldraWraogryrkja.SkoWaWverWisamspilalmannatryggingaog " lfeyriskerfisinsmeWYaWaWmarkmiWiaWeinfaldatryggingakerfiW,dragarskerWingar # hrifumteknaogaukamguleikalfeyrisYegatilaWbtakjrsn.XverWikomiWafkomu  $ tryggingusemtryggiviWunandilfeyri.TilundirbningsafkomutryggingarverWiYegarstaW !W% gerWttektframfrslukostnaWilfeyrisYegasemgrunnlfeyrirogtekjutryggingbyggist. J""&   MinnihlutinnhefurlagttilaWskilgreindverWineyslutgjldlfeyrisYegasemmyndiviW #' miWunfyrirgrunnlfeyriogtekjutryggingu.XessiviWmiWunhkkisamrmiviWneyslu #( vsitluYannigaWtryggtsaWhnhaldiverWgildisnu.Hkkilaunavsitalaumframneyslu $ ) vsitluverWitekiWmiWafhenniYannigaWlfeyrisYegumstryggWhlutdeildauknum v%N!* kaupmttisamflaginu.MinnihlutinntelurnauWsynlegtaWskilgreiningneyslutgjldum A&"+ lfeyrisYega,semafkomutryggingYeirraskalbyggW,liggifyrireigisWaren1.desember  '", 2007,samttillgumumhvernigdragamegifrekarrskerWingulfeyrisgreiWslnavegna '#- annarratekna.XegarttekthefurveriWgerWframfrsluYrf&  lfeyrisYegaskalsamrWiviW (z$. hagsmunasamtkYeirrageratlunumtmasettafangaafkomutryggingar.'(7 m)E%/   &  BreytingartillgurminnihlutansendurspeglaYaWsameiginlegaviWhorfstj;rnarandstW ( unnaraWeittallrabrUnastaverkefniW'(^8sviWivelferWarmlahrlandisaWbtakjrryrkja  ogaldraWra.:umdeilteraWallurYorriYeirrasemYessumh;pumtilheyrahefurallsekki  notiWlfskjarabatasambrilegsviWYannsemaWrirlandsmennhafahlotiWundanfarinr.Br a Yvvillstj;rnarandstaWanbtanfrekaritafarmeWbreytingartillgumsnum.Xrkomatil T, viWb;taraWgerWumsemrkisstj;rninleggurtilYessufrumvarpioggangamunlengraenYr.  MeginmarkmiWsamkvmtYingslyktunartillgustj;rnarandstWunnarfrYvhausteraW  hkkalfeyrisgreiWsluraldraWraogryrkjasvoogaWaukasvigrmYeirratilaWaflasrtekna   nYessaWYaWskerWilfeyrisgreiWslurYeirra.SrstkherslaerYarlgWaWbtakjrYeirra  X semminnsthafaogaWtekinverWiuppafkomutryggingsembyggWsskilgreindum K #  neyslutgjldumlfeyrisYega,einkumYeirrasemeingnguhafalfeyrisrtilframfrslu.      LagtertilaWatvinnutekjur(frtekjur)semekkiskerWatekjutrygginguverWi900Ys.kr.    ri,eWa75Ys.kr.mnuWiYegarfr1.janar2007.Tillagarkisstj;rnarinnarf;lsr200   Ys.kr.frtekjurrifr1.janar2009,eWaum17.000kr.mnuWi,og25Ys.kr.frtekjur wO  mnuWifr1.janar2010.MeirihlutinnbreyttiafstWusinnitilfrumvarpsinssamkvmt B  yfirlUsingurWherraogbreytingartillgurmeirihlutanshlj;WauppaWfrtekjumark25Ys.    kr.mnuWi,eWa300Ys.kr.,ritakigildifr1.janar2007.     MinnihlutinnteluraWrttsaWskoWahvortheimilaeigiaWnUtaeinhvernhluta75Ys. {  kr.frtekjumarksinsfyrirtekjurrlfeyrissj;WistaWYessaWYrskerWitryggingagreiWslur nF straxfrfyrstukr;nu.MeWYvyrWikomiWtilm;tsviWYannhlutah;psinssemekkierfr 9 umaWaflasratvinnuteknaogbtaYannigstWusnaenhefurhinsvegareinhverjartekjur  frlfeyrissj;Wi.    0breytingartillguminnihlutansergertrWfyriraWrWstfunarf(vasapeningar) r lfeyrisYegasemdveljaststofnunumhkkium50%samhliWaafnmifrtekjumarks,aftur e= virktfr1.jl2006.VasapeningarnirhkkiYum11.436kr.ogverWi34.309kr.mnuWi 0 hjvistmannimeWengaraWrartekjur,enlfeyrisgreiWslurfrTryggingastofnunfallaniWur  YegarlfeyrisYegivistasthjkrunar-eWadvalarheimili.Frumvarprkisstj;rnarinnargerir  rWfyrir28.591kr.vasapeningumfrnsturam;tumenvasapeningarhkkuWuekkieins i ogalmennarlfeyrisgreiWslur1.jlsl.FlutningsmennleggjaennfremurtilaWfrtekjumark \4 gagnvarteiginYtttkuvistgjaldiYeirrasemdveljaststofnunverWihkkaW75Ys.kr. ' mnuWienYeirmeganhaldaeftir50Ys.kr.aflfeyrisgreiWslumsnum.Minnihlutinn  leggurtilaWvasapeningarhkkium50%,afturvirktfr1.jl2006,enlfeyrisYegarsemf  vasapeningafenguengakjarab;tYeinsogaWrirlfeyrisYegaralmannatrygginga.AWrir `  lfeyrisYegarstofnunum,dvalarheimilumeWahjkrunarheimilumfenguslktekkiheldur. S+! Minnihlutinntelurvasapeningareltfyrirkomulagogbarnsnstma.XaWfelstYvaW " greiWsluralmannatryggingafallaniWurerlfeyrisYegiflyturstofnunogfrhannYessstaW # vasapeninga,um22Ys.kr.mnuWi(miWaWviW1.okt;ber2006)enlfeyrisYegarsemafla  $ srteknahaldaneftirum50Ys.kr;num.BiWeraWafnemaYettakerfihjftluWum !W% sambUlum.XeirhaldalfeyrisgreiWslumsnumengreiWasameiginleganheimiliskostnaW,svo J""& semfWis-oghsnWiskostnaW,afYeim.HiWopinberasrumlaunakostnaW.Minnihlutinn #' villaWunniWverWiaWYvaWafnemavasapeningakerfiWoggerWarYrrWstafanirsemtilYarf #( svolfeyrisYegarsemkj;saaWbadvalarheimilieWamissaheilsuogbahjkrunar $ ) heimili,haldifjrhagslegusjlfstWisnu. v%N!*   FlutningsmennleggjatilaWafnuminverWiaWfullutenginglfeyrisgreiWslnaviWtekjur A&"+ makastarxumram;tin,entillgumrkisstj;rnarinnarereinungisgertrWfyriraWafnema  '", hanaaWhlutatveimurfngum.MinnihlutinnleggureinnigtilaWaldurstengdrorkuuppb;t '#- skerWistekkiYegarryrkiferellilfeyriennfellurhnniWur67raafmlisdegiryrkj (z$. ansoglkkagreiWslurtilhanssemYvnemur. m)E%/ W ` "      AukYessaWleggjatilhkkuntekjutryggingunnium6.500kr.umframtillgurkis ( stj;rnarinnarfr1.janar2007,semverWuralls1.020.000kr.vsitlutryggthjldruWum  og1.032.000kr.hjryrkjum,erlagttilaWfrtekjumarktekjutryggingargagnvartatvinnu  tekjumverWi900Ys.kr.rifrram;tum.AfarmikilvgteraWrUmkaverulega_frtekju a markiW_ԀtilaWaukamguleikalfeyrisYegaaWveravinnumarkaWnumogaflasrtekna,en T, mjgmikilvgterfyrireinstaklingaWhafaYaWvalnYessaWtilverulegrarskerWingar  lfeyrikomi.SkerWingarreglurnarneruhreineignaupptakahjf;lki.Forsvarsmenn_Lands  samtaka_ԀeldriborgaralUstuYvsvoblaWagreinfyrrYessuriaW_skerWingarkerfi_Ԁlfeyris   ogb;taeinsoghrerYekktisthvergiannarsstaWar.KomframaWlfeyrisYegisemhefWi  X tekjutryggingusamtgreiWslurlfeyrissj;WieWaatvinnutekjurhldiaWeinseftir15!33%af K #  Yeimtekjum.SkerWingarogskattarvru67!85%.AfsjlfuleiWiraWsvomikilskerWing    lfeyrisgreiWslumvegnaannarrateknadregurrf;lkiaWaflasrslkratekna,YaWtekursWur    aWsrverkefnieWahlutastrfsemgfuviWb;tartekjurYegarrkiWsrtilYessaWhirWastrsta   hlutaYeirra. wO    EfaldraWirfengjuaWhalda75Ys.kr.atvinnutekjummnuWinskerWingarmundiYaW B  tvmlalauststuWlaaWaukinniatvinnuYtttkueldraf;lks,sembWihefurmikiWgildifyrir    samflagiWogeinstaklinga.XaWhefurveriWbrttumllfeyrisYegaaWgreiWslurtilYeirra   miWisteingnguviWeigintekjurogaWeinsYrgetiskertlfeyrialmannatryggingaenekki {  tekjurannarra(Y.e.maka).Nerutekjurhj;naogsambUlingalagWarsamanogkemur nF helmingurinnafsameiginlegumtekjumtilskerWingargreiWslnalfeyrisYegansfrTrygginga 9 stofnunrkisins.UmYettasneristryrkjad;murinn,Y.e.umafnmtengingarviWtekjurmaka.  MikillmeirihlutiYeirrasemnheyraundirYessareglumunduhagnastbreytingunni,en  _lfeyrisYegar_ԀsemerumeWhartekjurogeigamakameWlgritekjurmundufeitthvaWlgri r greiWslurfrTryggingastofnun.ViWafnmYessarartekjutengingarverWalfeyrisgreiWslur e= almannatryggingapers;nulegurrttur,einsogt.d.atvinnuleysisbtursemeru;hWartekjum 0 maka.    riW2003varkomiWaldurstengdrirorkuuppb;t.FjrhWuppb;tarinnarmiWastviW  Yannaldursemeinstaklingurvarfyrstasinnmetinn75%ryrki.Xessiuppb;tfellurniWur i YegarryrkisemhennarnUturnr67raaldriogverWurellilfeyrisYegi.Xettateljaflutnings \4 menn;rttltt,afYvaW_tekjuYrf_ԀryrkjaminnkarekkiviWYaWaWeldast.AukYesshafaYeir ' semverWaungirrykjarminnimguleikaaWaflasrlfeyrisrttinda.XverlagttilaW  ryrkjarhaldiYessariuppb;tYegarYeirverWaellilfeyrisYegar.    NokkrarbreytingarerulagWartilfrumvarpinusemeruekkihlutiafyfirlUsingurkis `  stj;rnarinnarogfulltraeldriborgaraogsnaaWslysatryggingumalmannatrygginga.Eru S+! Yrtilb;taogmunminnihlutinnYvstyWja5.og6gr.frumvarpsins.Einnigtelurminni " hlutinnaWgreiWslurrFramkvmdasj;WialdraWraeigiaWskilasruppbyggingu_hjkrunar # rUma_ԀYartilbiWeftirYeimhefurveriWeytt,enekkirekstur,ogmunYvstyWja13.gr.frum  $ varpsins,engreiWaatkvWigegndliW17.gr.(kvWitilbrWabirgWa_IV_)semvarWar13.gr. !W%   MinnihlutinntrekaraWYaWverWieittafforgangsverkefnumYj;WflaginunstunniaW J""& btakjrlfeyrisYegaogYj;nustuviWY. #'   GuWj;nArnarKristjnsson,semerheyrnarfulltrinefndinni,ersammlaYessuliti. #( @ AlYingi,7.des.2006. v%N!* &" '".UUUUUU>>.@22|staR.J;hannesd;ttir, &", @|_frsm_. y'Q#- @ GuWrngmundsd;ttir. &"- @.xXurWurBackman. &"- .UUUUUU> > . )$- rL)$%)%@OOKristjnL.Mller. L)$%.