WPC' [!Ka"#^#w/te}x9<\uBgI >v+ArOKbP{3Ԑ{ jdkhYAZ~|kikQ NaРW@)hʕܵw|@!/<ȹ/`Le%eN]u1tMxUMOTA-bu~ Jm_ɁO=L+􊉅YwR6w@G߉S 9ѿ-e*u1 BP;YC-Smuz+B,š~I#a{'=g,Re54$WPb(\6@5{K| b|as(yXKegoR+2 O6kM#SeA`5ibr8/HB_|^|]IͨJ+%SjOI&*aux"JO!UN" %p 04v #(s 4 m>w&^ *46JJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJJNYYYYY 1[[ 0Q 0Q== 0] 0u 0w` ` 0 0t!t! 1u9"9":"" B####6$$$$$$$$$$$$ 72;%;%/m%m% 1%%%%%%%%%%%%%%%%%%%%%U:=&=&=&=&Mw&w&w&w&V{&&d9 Z6Times New Roman RegularX( Z$ IS , .\R6&A4\XħXXXTRW<6&A4W<6&A4 6&A4 6&A4T ? XXħ0?vvbX0#ggdd  8dXXd8ISUS.,    Adobe PDFyy0 W:\WP2000\SKJRI~IZ.WPTUW:\WP2000\SkjritunY2k-nytt.wptny9 N8:i+003|xikmo %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.()3I|$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXeXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? XXe0?vvbX0#ggdd  8dXXd8ISIS,.     ()3I|$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXeXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? XXe0?vvbX0#ggdd  8dXXd8ISIS,.     (53x$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXeXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? XXe0?vvbX0#ggdd  8dXXd8ISIS,.      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) 0 aI|'ISUS.,,,..XFXXX? XXF0?vvbX0#ggdd  ISIS,.   ݀_ d , gx+ISUS.,,,..XFXXX? XXF0?vvbX0#ggdd  ISIS,.   d  ݀qi) %y_ gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)4cp Z "Times Regular L eI|)ISUS.,,,..XFXXX? XXF0?vvbX0#ggdd  ISIS,.   _>? Ҁ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A43'LetterTXFXXXTRW6&A4W6&A4 6&A4 6&A4T ? XXF0?vvbX0#ggdd  8dd8ISIS,.     _ >?  _ikmo(%03qs 9136.lggjafarYing2008!2009. ( Xskj.218"137.ml.     Af@XXNefndarlit# Af#   _umfrv.till.umbreyt.l.nr.44/1998,umhsnWisml,meWsWaribreytingum.   @  Frflags-ogtryggingamlanefnd. K #    NefndinhefurfjallaWummliWogfengiWsinnfundgstGeirgstssonfrflags-og    tryggingamlarWuneyti,GunnhildiGunnarsd;tturogEinarJ;nssonfr0bWalnasj;Wi,   BenediktSigurWarsonfrBsetaNorWurlandi,GslarnBjarnhWinssonfrBseta wO  Reykjavk,KjartanGunnarssonfrviWskiptarWuneytinu,J;nuBjrkGuWnad;tturfrSam B  tkumfjrmlafyrirtkja,HaukAgnarssonfrNBIhf.,HelgaBragasonfrNUjaKaupYingi,    Odd:lasonfrNUjaGlitni,GslaJafetssonfrSambandislenskrasparisj;Wa,Stefnrna   AuW;lfssonfrLfeyrissj;WistarfsmannarkisinsogT;masN.MllerfrLfeyrissj;Wi {  verzlunarmanna.XbrustnefndinniumsagnirfrSambandislenskrasveitarflaga,AlYUWu nF sambandi0slands,ByggWastofnun,umboWsmannibarna,ViWskiptarWi0slands,Pers;nuvernd, 9 SamtkumiWnaWarins,FlagsbstWum,BsetaNorWurlandi,BsetaReykjavkogCredit  info0sland.      FrumvarpiWerYtturaWgerWumsemflags-ogtryggingamlarWherrahefurgripiWtil r vegnaYeirrarstWusemervinnumarkaWiogefnahagslfiYj;Warinnar.Frumvarpinusamt e= fleiriaWgerWumertlaWaWrUmkaheimildirogfjlgarrWumsem0bWalnasj;Wurhefur 0 tilaWkomatilm;tsviWlntakendursemlendagreiWsluvanda.LagtertilaW0bWalnasj;Wi  sheimiltaWleigjaeWafelaWrumaWleigjaYaWbWarhsnWisemsj;WurinnhefuryfirtekiW  nauWungaruppboWi.XerlgWtillengingr15rum30rhmarkslnstmaskuld i breytingarlna0bWalnasj;WssemveitteruvegnatmabundinnagreiWsluerfiWleikalntaka. \4   ViWmeWferWmlsinsrddinefndineinnahelstsj;narmiWvarWanditleigubWaYeirra ' sem0bWalnasj;Wureignast,leiguverWYeirra,hmarkslnstmasj;Wsinsoghvortrttvri  aWskilyrWatleigubWannaviWaWsj;WurinnhafieignastYrnauWungaruppboWi.Xrddi  nefndineinnigUmismlefnitengd0bWalnasj;WisemekkiertekiWfrumvarpinu,m.a.Yau `  rrWisemYegarhafaveriWkynntvarWandi0bWalnasj;WogekkikrfWustlagabreytingaog S+! Yausemeruundirbningi. "   FramkomnefndinniaWekkistluninaW0bWalnasj;WurstandisjlfurleigumiWlun # heldurfeliWrumYaWmeWsamningi.NefndintelurmikilvgtaWnUttsuYaurrWiog  $ YekkingsemtilerumviWhaldogtleigu.XgetiveriWrttaWdreifatleigubWaYannigaW !W% ekkiverWieinnaWilisemsjiumheildartleiguogviWhaldYeirrabWasemsj;Wurinnkann J""& aWeignast.HorftverWitillggiltraleigumiWlana,hsnWissamvinnuflaga,svosemBseta, #' ogsveitarflaganna,t.a.m.FlagsbstaWa. #(   NefndintelureinnigmikilvgtaWreglugerWumtleigubWaskveWiWumkveWin $ ) grunnskilyrWisemleigumiWlunYurfiaWuppfyllatilaW0bWalnasj;WisheimiltaWfelahenni v%N!* tleigufyrirsnahnd,m.a.srttaWkveWaumaWleigumiWlunsekkivanskilaskr, A&"+ skuldiekkiopinbergjld,hafiskilaWrsreikningitilsettumtmaogjafnvelaWgerts  '", httumatgjaldfrnimiWlunarinnarnstumnuWum.XvrihgtaWkveWaumaW '#- miWluninYurfiaWhafaveriWstarfrkttiltekinntmatilaWkomatillitavarWandisamning (z$. 9 y_   umtleigubWasj;Wsins.TelurnefndinaWslkskilyrWittuaWkomavegfyrirmisnotkun ( ogtryggjaaWviWhaldogtleigabWashndumtraustsaWila.    HvaWleiguverWiWvarWartelurnefndinaWgtaYurfiaWYvaWtleigabWastandiundir  kostnaWienjafnframtsfyrrumeigandaekkigert;frtaWgreiWaleigu.0greinargerWkemur a framaW0bWalnasj;WurmuniviWtleigumiWaviWmarkaWsverWenfundinefndarinnarkom T, framaWengartlurlgjufyrirumleiguverWmarkaWiutanYessaWYaWhafitekiWaWlkka.  NauWsynlegteraWtryggja0bWalnasj;WirekstrargrundvllogYveWlilegtaWleggjaherslu  aWeinungiserumskammtmarrWiaWrWa.XannigverWisj;WnumgertkleiftaWselja   bWirefleigaYeirrareynisthrriengenguroggeristenlntakendumjafnframtgertkleift  X aWleitaaWhentuguhsnWisemhefurfrmeWsrsemminnsthnjaskeWa;hagrWifyrir K #  lntakendurogfjlskyldurYeirra.      Lenginguhmarkslnstmaskuldbreytingarlna0bWalnasj;Wsr1530rerusettYau    takmrklgumumhsnWismlaWhmarkslnstmilnahjsj;Wnumer55r,sbr.4.mgr.   48.gr.laganna.EfYessutmamarkierhaldiWtilstreitugeturYaWorWiWtilYessaWekkigeti wO  allirnUttsrheimildinatilskuldbreytingar30r.XarsemYaWgeturskipteinstaklinga B  skpumYvefnahagsstandisemnrkiraWgetalengtlnumsnumogmeWYvlkkaW    greiWslubyrWileggurnefndintilaWhmarkslnstmilnahjsj;WnumverWifrWur70r.   NefndintelurnauWsynlegtaWsamhliWaslkrilengingusulntakenduruppfrddirumaW {  kostnaWuraukistmjgY;aWgreiWslubyrWilttisteinungisltillega.:lktlnum0bWalna nF sj;Wshafalnfjrmlafyrirtkjaoglfeyrissj;WaekkiveriWbundinhmarkslnsfjrhWog 9 eruYvoftogtWummunhrrienlnYausemsj;Wurinnveitir.NefndintelureWlilegtaW  beinaYeimtilmlumtilannarralnveitendaen0bWalnasj;WsaWheimilasambrilega  skuldbreytinguogfrumvarpiWmlirfyrirum.NefndintelurYaWsamrmiviWtilmli r rkisstj;rnarinnarumaWveitalntakendumsmurrWiognYegarerutilstaWarogvntir e= YessaWtilmlinmunieinnigeigaviWumYessabreytingu.NefndinleggurhersluaW 0 fjrmlafyrirtkioglfeyrissj;WirgerisitttilaWkomatilm;tsviWlntakendursnameW  breytingumskilmlumlnaogbendirYessusamhengiaWnokkurlghafaYegarveriW  setttilaWgreiWafyrirYessu,t.a.m.lgsemfellaniWurYinglUsingarkostnaWogstimpilgjld i afskilmlabreytingum,semoglgsemgeralntakendumkleiftaW;skaeinhliWaeftir \4 greiWslujfnunfasteignaveWlnumsnum.NefndinleggurhersluaWYessumlnveitendum ' verWigertaWfaraaWfordmi0bWalnasj;Wsogveitalntakendumbreytingarskilmlum  lnasamrmiviWkvWifrumvarpsinssemogbreytingartillgunefndarinnar.AWsama  skapiseWlilegtaWlntakendumsekkimismunaWoglnveitendurhugiaWYvaWtfra `  einnigrrWiWsemkveWiWerum1.gr. S+!   0frumvarpinuerYaWgertaWskilyrWifyrirtleigubWaaWsj;WurinnhafieignastYr " nauWungaruppboWi.NauWungaruppboWerkostnaWarsmaWgerWsemgeturhaftneikvWhrif # einstaklingaogfjlskyldur.NefndinleggurhersluaWallraleiWasleitaWtilaWaWstoWa  $ f;lkgreiWsluerfiWleikumogm.a.sueinstaklingaraWstoWaWirviWaWminnkaviWsig,sYess !W% kostur.0YessusambandilturnefndintilYeirrarrWasemkynnthafaveriWsWustuvikum, J""& lntakendumtilhagsb;ta,semogfrumvarpsumgreiWsluaWlgunsemrkisstj;rninhefursagt #' aWsvntanlegt.Auglj;steraWstundumernauWungaruppboWeinaleiWinogYaWrrWiaW #( getaleigtbWframfjlskyldumYmjgkrkomiW.AWsamaskapitelurnefndinmikilvgt $ )  aWhorftstilalvarleikaslkraaWgerWaogeingngugripiWtilYeirrasemsWastarrWis. v%N!* &     NefndinleggurtilaWfrumvarpiWverWi samYykkt meWeftirfarandi ( @BREYTINGU:    ViW2.gr.btistnUrstafliWur,svohlj;Wandi:0staWorWanna?55r 4.mgr.kemur:70r. T, '(!.@ AlYingi,24.n;v.2008.  "  X.UUUUUU>>.@88|GuWbjarturHannesson, "  @ |form.,frsm.    @ rmannKr.:lafsson. "   @..+xstaR.J;hannesd;ttir. "   .UUUUUU> > .  [  r N & .UUUUUU>>.@ |gmundurJ;nasson.    @rniJohnsen.    @.xPturH.Blndal.    .UUUUUU> > . V.  rk ! .UUUUUU>>.@$$ |J;nGunnarsson. k  @BirkirJ.J;nsson. k  @+xKristinnH.Gunnarsson. k  .UUUUUU> > . )