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Ќ  "i(m"  i(m2Eh  d  .3  Ԉ0    aWvinnaaWfrekariskipulagningurekstrislkraatvinnufyrirtkjasamrWiviWaWra " eigendurogkrfuhafa,_t.d._ԀmeW_niWurlagningu_ԀeWaslu_;hagkvmra_Ԁ_rekstrareininga_, r# sameiningufyrirtkjaeWaWrumrWstfunumsemteljastnauWsynlegartilaWkoma e =$ slkumfyrirtkjumsemfyrst_rekstrarhft_Ԁstand,i(m݌0!% Ќ  "i(m"  i(m2Eh  e  .3  Ԉ0    aWselja_eignarhluti_ԀsamkvmtYessarigreinmeWgagnsjumhttiogsamrmiviW !& gildandilgogdreifWaeignaraWildverWihenniviWkomiW,i(m݌"' Ќ  "i(m"  i(mp2Eh  f  .3  Ԉ0    aWbyggjauppheildstWaYekkinguinnanflagsinstil_endurskipulagningar_Ԁ_fjrhags_- #i( og_rekstrargrundvelli_Ԁ_skuldsettra_Ԁatvinnufyrirtkja.i(mp݌\$4 ) Ќ  @==!3.gr. %!+   FlagiWskalvinnaaWmarkmiWumlagaYessarameWeins_skilvirkum_Ԁogskj;tumhttiog &",  aWstWurleyfaYannigaW_atvinnufyrirtkin_ԀverWisemfyrst_sjlfbr_Ԁog_rekstrarhf_Ԁoggeti '`#- _starfaW& a  samrmiviWtilgangsinn.ViWverkefnisnskalflagiWleitastviWaWverndaogefla ( virkasamkeppnislenskuatvinnulfi.  'a(P  EignarhlutiatvinnufyrirtkjumsemflagiWhefureignastogorWinerurekstrarhfskal  seljasvoskj;ttsemmarkaWsaWstWurleyfa.ViWsluskalsrstaklegahorfttilYessaWkoma a fyrirtkjunumalmenningseign. T, @==!4.gr.    FjrmlarWherraeWaflageigurkissj;WsfermeWeignarhlutrkisinseignaumsUslu   flaginu.FjrmlarWherraannastsamrWiviWviWskiptarWherraundirbningaWstofnun  X eignaumsUsluflagsins. K #  @==!5.gr.      Stj;rnflagsinsskalskipuWfimmmnnumogtveimurtilvara.     Stj;rnarmennogframkvmdastj;riskuluhafahaldg;WamenntunogsrYekkingufjr wO  mlumogrekstrifyrirtkja. B    Stj;rnarmennogframkvmdastj;riskuluveralgrWa.XeirmegaekkisWustufimm    rumhafaveriWrskurWaWirgjaldYrotaeWahlotiWd;mtengslumviWatvinnurekstursam   kvmtalmennumhegningarlgum,samkeppnislgumoglgumumfjrmlafyrirtki,hluta {  flg,einkahlutaflg,b;khald,rsreikningaeWagjaldYrot. nF   Stj;rnarmennogframkvmdastj;riskuluhvorkitakaYttmeWferWmlaYarsemYeir 9 eigaverulegrahagsmunaaWgtanmlaervarWaaWilasemeruYeimtengdirpers;nulega  eWafjrhagslega.  @==!6.gr. e=   AWfenginniumsgnSeWlabanka0slandsogaWilavinnumarkaWarinsgerirstj;rnflagsins 0 tillgutilfjrmlarWherratilsamYykktarumYaualmennuviWmiWsemleggjaskaltilgrund  vallarYvaWfyrirtkigetitalistYj;Whagslegamikilvgtskilningi2.mgr.1.gr.Fjrmla  rWherraskalWurenreglugerWskv.1.mgr.8.gr.ersettleitaumsagnarviWeigandiYing i nefndaumefnihennar. \4   grundvelli2.mgr.1.gr.ogsamYykktraviWmiWareglugerWskv.1.mgr.8.gr.tekur ' stj;rnflagsinskvrWunumkaupeinstkumatvinnufyrirtkjum,endarmistkaupininn  anfjrhagsflagsinseinsoghannverWurkvarWaWurskv.2.mgr.7.gr.  @==!7.gr. S+!   HlutafflagsinsviWstofnunYessskalvera20millj.kr.oggreiWastrrkissj;Wi. "   XriggjamannanefndskipuWaffjrmlarWherraskaleigisWarentveimurmnuWumeftir # stofnunflagsinsleggjamatheildarupphWstofnfjreWaYrffyriraukninguYessmiWaW  $ viWtlaWumfangstarfseminnarogrlegaYrfflagsinsfyrirrekstrarf.FjrmlarWherra, !W% viWskiptarWherraogSeWlabanki0slandstilnefnaeinnfulltrahver. J""& @==!8.gr. #(   FjrmlarWherraseturnnarikvWiumframkvmdlagaYessarareglugerW,m.a.um: $ ) ! ! 3(5h886"i(m"  i(m*25h  a  .3  Ԉ0    almennviWmiWumYj;Whagslegamikilvgatvinnufyrirtkiskv.1.mgr.6.gr.,i(m**݌v%N!* Ќ  "i(m"  i(m,25h  b  .3  Ԉ0    framkvmdslueignarhlutumatvinnufyrirtkjum,i(m,0,݌A&"+ Ќ  "i(m"  i(m-25h  c  .3  Ԉ0    hvernighttaeigirWgjafarhlutverkiflagsinsgagnvartfjrmlafyrirtkjum.i(m-?-݌ '", Ќ   '#- @==!9.gr. (   FlagiWskalhafalokiWstrfumogYvveriWslitiWeigisWarenfimmrumfrstofnun  Yess.  @!10.gr. T,   LgYessiWlastYegargildi.  @ #dggAthugasemdirviWlagafrumvarpYetta.#ggd/Ԉ   Ѐ  VegnamikilvgistiltekinnaatvinnufyrirtkjafyrirslensktsamflagernauWsynlegtaW  X starfsemiYeirraraskistekkiYrttfyriraWsteWjandierfiWleika.MeWfrumvarpiYessuerlagt K #  tilaWfjrmlarWherrafiheimildtilYessaWstofnasrstaktopinberthlutaflagsemhafi    YanntilgangaWaWstoWafjrmlafyrirtkiviWendurskipulagninguskuldsettraatvinnufyrir    tkja.NgislkaWstoWogrWgjfekkiYermeWfrumvarpiYessulagttilaWflagiWfi   heimildtilaWkaupahlutiatvinnufyrirtkjumsemlenthafaYaWmiklumrekstrarerfiW wO  leikumaWhlutiatvinnufyrirtkiseWaYaWallterkomiWeigufjrmlastofnana.Tilgangurinn B  meWstofnunflagsinseraWYarverWiunniWaWfjrhagslegriogrekstrarlegriendurskipu    lagninguatvinnufyrirtkjannameWYaWaWmarkmiWiaWgeraYausemfyrstrekstrarhf.   FrumvarpiWgerirrWfyrirYvaWhrseinungisumtmabundiWrrWiaWrWaendagert {  rWfyrirYvaWflginverWiseldumleiWogmarkaWsaWstWurleyfaogflagiWlagtniWur nF YegarmarkmiWumYesshefurveriWnW. 9   FrumvarpYettavarlagtframsWastaYingienvarWekkiaWlgumfyrirYinglok.Frum  varpYettaerllummeginatriWum;breyttnemaaWtekiWhefurveriWtillittilYeirraathuga  semdasemframkomunefndarlitumefnahags-ogskattanefndaraukYesssemgerterrW r fyriraWflagiWgetiveittfjrmlafyrirtkjumsrhfWarWgjfviWYfjrhagslegaendur e= skipulagningusemunniWeraWYeimvettvangi. 0   FrumvarpiWersamiWafstarfsh;pifjrmla-ogviWskiptarWherraogbyggistfyrstu  starfstlunnefndarumendurreisnfjrmlakerfisinsfr5.febrarsl.XhefurviWvinnslu  frumvarpsinsveriWhorfttilerlendrafyrirmynda,m.a.snskra,enYekkteraWstofnaWhafi i veriWtilflagaafYessutagimeWg;Wumrangri.AWferWafrWinerYannigkunnogalYj;Wlega \4 viWurkennd.ViWsamningufrumvarpsinsvarY;horfttilYessaWaWstWurhrlandieruum ' margt;lkarYvsemvart.d.snskaeignaumsUsluflaginu.Strstimunurinnfelstnefa  YeirriaWferWafrWisembeittvarhrlendismeWsetningulaganr.125/2008,umheimildtil  fjrveitingarrrkissj;WivegnasrstakraaWstWnafjrmlamarkaWio.fl.VegnaYeirrar `  rWstfunareignumogskuldumbankannanUjaoggamlabankasemgerterrWfyrir S+! YeimlgumeiganUjubankarnirbetrimguleikaaWkomamunstrrihlutaYeirrafyrirtkja " semeigavandatilaWstoWarenellahefWiveriW.AfsmustWummgerarWfyriraW # meginherslanhjflaginuverWi,aukrWgjafarviWfjrmlastofnanirumendurskipulagn  $ ingu,aWfraeignarhlutiatvinnufyrirtkjuminnflagiWensWuraWfralneWakrfur !W% yfirslktflag.MeWYvnstframaWskilnaWureignarhaldiogbankastarfsemiYannigaW J""& flagiWmunYurfaaWsemjaviWkrfuhafaviWskiptalegumforsendumsamrWiviWaWra #' eigendurefeinhverjireruogshliWmlsinssemsnUraWalmennribankastarfsemiverWur #( framhjhlutaWeigandifjrmlastofnunum.0frumvarpinuerY;gertrWfyrirYeimmgu $ ) leikaaWflagiWgetikeypttilteknarkrfureWaveWskuldirefYannigaWstWurskapastaWslkt v%N!* smetiWnauWsynlegt. A&"+   EkkiertluninaWeignaumsUsluflagsemYettakaupillatvinnufyrirtkisemfjrmla  '", stofnanireignasteWaallarkrfurYeirra.Samkvmtlauslegriknnunstarfsh;psinssemvann '#- aWsamninguYessafrumvarpsvirWastallirrkisbankarnirhafakomiWsruppvelskilgreind ( umverkferlumtilaWkomaatvinnufyrirtkjumerfiWleikumtilaWstoWarmeWendurskipu  lagningu.GeramrWfyriraWsYekkingmunieflasttilmikillamunanstumissirum  vegnanverandiaWstWna.RkisbankarnirhafajafnframtkomiWsruppsnumeigineigna a umsUsluflgumtilaWsinnaslkumverkefnumogmgerarWfyriraWsamagildiumaWrar T, fjrmlastofnanir.XverlagttilaWeignaumsUsluflagYettasinnieinungisYeimflgumsem  teljastYj;Whagslegamikilvgsamkvmtskilgreiningufrumvarpsinsoglj;steraWendur  skipulagninginverWiYaWumfangsmikilogerfiWaWYaWYyngiverulegaalmennribanka   starfsemieWatakmarkijafnvelgetufjrmlafyrirtkjannatilaWsinnaendurskipulagningu  X annarraatvinnufyrirtkja. K #  Ѐ  ErfitteraWskilgreinalagatextameWfullngjandihttihvaWtelstYj;Whagslegamikil    vgtatvinnufyrirtki.02.mgr.1.gr.frumvarpsinserY;gertrWfyriraWslktfyrirtkisinni    svomikilvgumalmanna-eWaryggishagsmunumaWstWvunYessumlengrieWaskemmri   tmavaldiverulegrirskunYj;Wflaginullu.MeWalmannahagsmunumerttviWYstarf wO  semiatvinnufyrirtkjasemsnaaWnauWsynlegumgrunnYrfumsamflagsinseWaerumikil B  vgirhlekkirinnviWumYess.MeWryggishagsmunumerhrt.d.ttviWstarfsemisemsnUr    aWfWuryggi,fjarskiptum,flutningif;lkseWafarmsmillilandaeWainnanlands.skilegt   eraWflagiWhafifrekariviWmiWtilaWstarfaeftir.SleiWerYvfarinfrumvarpinuaWlagt {  ertilaWstj;rnflagsinsaWfenginniumsgnSeWlabanka0slandsogaWilavinnumarkaWarins nF geritillgutilfjrmlarWherraumnnariviWmiWsemleggjaskaltilgrundvallarYvaWfyrir 9 tkifalliYennanflokkatvinnufyrirtkja.XegarslkhlutlgviWmiWhafaveriWsamYykkt  gfifjrmlarWherraYautformireglugerWar.Stj;rnflagsinstkisWangrundvellial  mennraviWmiWareglugerWarinnarkvrWunumhvaWaeinstkatvinnufyrirtkifalliundir r skilgreiningunaendarmistkaupslksflagsinnanfjrhagsflagsins.MikluskiptiraWflag e= semYettaverWieinssjlfstttstrfumsnumogunnter. 0   0frumvarpinuergengiWtfrYvaWflagiWYurfiaWvinnaaWYeimmlumsemYvergert  aWsinnasamvinnuviWaWraeigendurfyrirtkjanna,efeinhverjireru,ogkrfuhafa.Sama  gildirumhugsanlegkaupeignarhlutumfjrmlastofnanaatvinnufyrirtkjum.Slkkaup i ttusrvalltstaWmeWsamningaviWrWumoggrundvelliviWskiptahagsmunaenekkimeW \4 neinskonarlgYvinguWumrrWum.ByggterYvsj;narmiWiaWYaWsuhagsmunirallra ' aWilaaWslkfyrirtkigetihaldiWframstarfsemiYrttfyrirYerfiWleikatmasemneruog  virWiYeirraverWiumleiWhmarkaW.    XrttfyriraWYrfkunniaWveraYvaWrekaslkatvinnufyrirtkitileinhverstmaeftir `  aWendurskipulagningarvinnuerlokiWergertrWfyriraWflaginuverWislitiWinnanfimmra. S+! EWlilegteraWsetjaflagisemYessuskUrtmamrkendaekkitluninaWslktflagreki " rekstrarhftatvinnufyrirtkilengurenbrUnanauWsynbertil. # @ AthugasemdirviWeinstakargreinarfrumvarpsins. !W% @ Um1.gr. J""&   01.mgr.ergertrWfyrirheimildfyrirfjrmlarWherratilaWstofnaopinberthlutaflag #' semhefurYaWaWmarkmiWiaWaWstoWafjrmlafyrirtkiviWfjrhagslegaendurskipulagningu #( atvinnufyrirtkjaogefnauWsynlegtYykiraWkaupa,eiga,endurskipuleggjaogseljaYj;W $ ) hagslegamikilvgatvinnufyrirtkisamrmiviWtilgangYessafrumvarps. v%N!*   02.mgr.eraWfinnaskilgreininguYvhvaWtelstYj;Whagslegamikilvgtatvinnufyrir A&"+ tki.  '",  '#- @ Um2.gr. (   0greininniermegintilgangurflagsinsreifaWur.    0a-liWkemurframaWflagiWgetiaWstoWaWfjrmlafyrirtkiviWfjrhagslegaendurskipu  lagninguskuldsettraatvinnufyrirtkja.XegarumslkasrhfWarWgjfyrWiaWrWafri a hnalmenntframnYessaWeignarhlutireWalnfrWustyfirhlutaflagiW. T,   0b-liWkemurframaWflaginusheimiltaWkaupaeignarhlutieWaveWkrfurYj;Whags  legamikilvgumatvinnufyrirtkjumafrkisbnkunumeWaWrumslenskumfjrmlafyrir  tkjum.EinsogfrumvarpiWerframsettyrWuslkkaupekkilgYvinguWheldurbyggWust   frjlsumsamningumflagsinsviWumrddarfjrmlastofnanir.GerterrWfyriraWrrWiW  X kmihelsttilgreinaYegarlj;stvriaWfjrhagslegogrekstrarlegendurskipulagningat K #  vinnufyrirtkisinsvriYaWumfangsmikiWverkefniaWrttYttiaWhnfriframsrstku    flagienekkiinnanhlutaWeigandifjrmlafyrirtkis.SamagtigiltYegareigendureWa    krfuhafarerumargir,t.d.allirrkisbankarnirogjafnvelnnurfjrmlafyrirtkiogverulegt   hagrWierafYvaWslkendurskipulagningseinnihendi. wO    0c-liWkemurframaWflaginuertlaWaWvinnaaWfjrhagslegriendurskipulagningu B  YeirraflagasemundirYaWheyrameWYaWaWmarkmiWiaWekkiYurfiaWkomatilrekstrar    stWvunar.0slkrifjrhagslegriendurskipulagninguhlUtureittafmeginmarkmiWunumaW   veraaWsemjaviWkrfuhafaumlnogskuldirflaganna.Lj;steraWaWstWurkunnaein {  hverjumtilvikumaWverameWYeimhttiaWeignaumsUsluflagiWhafieinungiseignasttil nF tekinnhlutfyrirtkjum.XannigkannaWveraaWshlutursemkeypturhefurveriWgrund 9 vellia-liWarhafiorWiWtilmeWYeimhttiaWbankarnireWaaWrarfjrmlastofnanirhafibreytt  hlutaafkrfumsnumhendurfyrirtkihlutafentiltekinnhlutifyrirtkisinssenneigu  fyrrieigendaeWaannarraaWila.XegarsvohttartilergertrWfyriraWendurskipulagning r samkvmtYessarigreinverWifullusamrWiviWaWraeigendurflagsins. e=   0d-liWkemurframaWflagiWhafieinnigsinnihendirekstrarlegaendurskipulagningu 0 YeirraflagasemundirYaWheyra.0frumvarpinukemurframaWrekstrarlegriendurskipu  lagningugetim.a.falistniWurlagningeWasala;hagkvmrarekstrareininga,sameiningfyrir  tkjaeWaaWrarrWstafanirsemteljastnauWsynlegar.Lj;steraWtmumniWursveifluYj;W i flaginuoglgseignaverWsermikilvgtaWeignaumsUsluflagiWgetiendurskipulagtYau \4 flgsemundirYaWheyrameWYaWaWmarkmiWiaWaWlagareksturYeirrasemfyrstaWn ' verandimarkaWsaWstWum.0YessumliWerjafnframtgertrWfyrirYvaWslkrekstrarleg  endurskipulagningfariframsamrWiviWaWraeigendurefeinhverjireruogkrfuhafa.  MarkmiWslkrarrekstrarlegrarendurskipulagningareraWkomafyrirtkjunumsemfyrst `  rekstrarhftstand. S+!   0e-liWermltfyrirumrWstfunYeirraeignarhlutasemflagiWhefureignast.GerterrW " fyriraWslktferliverWigegnsttogsamrmiviWYaulgsemgildaumopinberhlutaflg # hverjusinni.EWlilegteraWstraxupphafiliggifyrirskUrarreglursemverWillumaWgengi  $ legarumfrekaritilhgunrWstfunslkraeignarhluta.herslaerlgWYaWaWhugaWverWi !W% aWdreifWrieignaraWildviWslkarWstfunefhenniverWurkomiWviW. J""&   AWlokumerf-liWmltfyrirumaWbyggjaskuliuppinnanflagsinsheildstWaYekkingu #' endurskipulagningufjrhags-ogrekstrargrundvelliskuldsettraatvinnufyrirtkja. #( @ Um3.gr. v%N!*   0greininnikomaframmikilvgarherslurrekstriopinberseignaumsUsluflagssem A&"+ Yessa.SrstaklegaerrttaWaWflagiWYurfiaWstarfameWskilvirkumogskj;tumhtti.Til  '", gangurflagsinsverWuraWsinnafjrhagslegriogrekstrarlegriendurskipulagninguslkra '#- atvinnufyrirtkjaenekkiaWhafaatvinnureksturinnmeWhndumlengurenbrUnanauWsyn ( bertil.herslaerlgWaWviWstarfsemiflagsinsskulileitastviWaWeflasamkeppnis  lenskuatvinnulfi.    02.mgr.ermltfyrirumaWsalaeignarhlutaatvinnufyrirtkjumsemorWinerurekstrar a hfeigisrstaWumleiWogmarkaWsaWstWurleyfa.XegaratvinnufyrirtkihefurveriW T, endurskipulagtrWstafareignaumsUsluflagiWeignarhlutnummeWgegnsjumhttiogsam  rmiviWlg.XaWverWurmatstj;rnarflagsinshvenrmarkaWsaWstWureruorWnarmeW  YeimhttiaWskilyrWierufyrirsluatvinnufyrirtkisinsYannigaWhmarkamegivirWiYess.   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