WPC- d~7V%|05<ˋI0PS%e/csLhBːxl;rO@I)/ L%%6D'hP̋mR"F"{{PϻMRȫ #1zuIV&6&3Z{&ȵuW;VY4iXU,,*Gk3R.juY,wcǩ+@Ip0ޛH]ǥ\ǡQ<'QW 7I+5Te[Cu-КA]q]&޷yqXek[oE WԴ[j_;>8[YV_xDՄƺe)=7S4D4>[;1Xњ܏r4 񟕢`S94G~؃7'iC)!E$_!1{0JwV+leS\@Wbgm&UN %b 0h#@ X Taw^  1U4L 1uN4 UNh mj 0Z 72 0  1 0DM 1 1 uuuuuuuuu 1 1 0.. 0"""" 0%%%%%%% 0?u( 0w( 0) 0))))))))))))))))))))) Bd*d*d*d* 1**********************,++ 4,4, 0L=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=- B--(  Z6Times New Roman RegularX(h$}}kTRV<6&A4V<6&A4 6&A4 6&A4Tkk#ggdd  ISUS.,    -zv > *  X-8kdd8% Adobe PDF  0W:\COREL8\TEMPLATE\CUSTOMWP\SKJRI~4T.WPTW:\corel8\template\customwp\Skjritun4.wptJ=  =?EKQW_gmstafl.a.1.a.1.(a)(i)1)a))'\  `TimesRoman3#37=CIQYag1.a.i.(1)(a)(i)1)a)<ό|)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.  XXIIV(EhCEKQW]cioAutoList2a.a.a.a.a.a.a.a. gEu{}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.(3B$ h!}X,0XXXTRW6&A4X3' Letter 6&A43'LetterTXX,0#ggdd  ISUS.,    -zv > *  X-8dXXd8%   (3B$ h!}X,0XXXTRW6&A4X3' Letter 6&A43'LetterTXX,0#ggdd  ISUS.,    -zv > *  X-8dXXd8%   (3`R$ h!}X,0XXXTRW6&A4X3' Letter 6&A43'LetterTXX,0#ggdd  ISUS.,    -zv > *  X-8dXXd8%    d (M0J$2  0  .3  0 ` (O$0  2  3  0` ""(u$0  0` (#(#` `  2  a  .3  0` (#` (#(`$0  0` (#(#0 ` (#` (#0 (# (#"h2  0  .3  0(#(# d(UhCEKQW]cioAutoList3a.a.a.a.a.a.a.a. " 6B'X=XXXoXX=#ggdd  ISUS.,  -zv > *  X-  _  D   8B)X=XXXoXX=#ggdd  ISUS.,  -zv > *  X-  _Ԁ>c$"Small Circle"0 )Hairline d h!}X=XXXTRW6&A4X3' Letter 6&A43'LetterToXX=#ggdd  ISUS.,    -zv > *  X-8odd8%   _ 4ABCD(%03  }suo @(`Lg  #o#  X=Xoumbreytingulgumnr.101/2010,umgreiWsluaWlgun   einstaklinga,ogfleirilgum.#oXX=Q#     ?3@%`________ c  @  %`I.KAFLI      Breytinglgumnr.101/2010,umgreiWsluaWlguneinstaklinga.    1.gr. Z  y EftirfarandibreytingarverWa2.gr.laganna: M%  *(g004ABCD"A0J"  A0J y2g  a  .3  Ԉ0    0staWorWanna?slenskurrkisborgarisemtmabundiWerbsetturerlendisvegnanms,  starfaeWaveikinda aliW4.mgr.kemur:tmabundiWbsetturerlendisvegnanms,  starfaeWaveikindaoghefurWurttlgheimiliogveriWbsetturhrlandia.m.k.Yrj  rsamfleytt.A0J<݌yQ   Ќ  "A0J"  A0Jd  y2g  b  .3  Ԉ0    0staWorWanna?slenskurrkisborgarisemtmabundiWerbsetturerlendisvegnanms, D starfaeWaveikinda bliW4.mgr.kemur:einungistmabundiWbsetturerlendisvegna  nms,starfaeWaveikindaoghafiWurttlgheimiliogveriWbsetturhrlandi  a.m.k.Yrjrsamfleytt.A0Jd ݌}   Ќ  @&`2.gr. ;  y EftirfarandibreytingarverWa3.gr.laganna:  ! ! *(g00*"A0J"  A0J  y2g  a  .3  Ԉ0    0staWorWanna?skuldavegnanmslna g-liW1.mgr.kemur:krafnaLnasj;Ws  slenskranmsmannavegnanmslna.A0J  ݌t   Ќ  "A0J"  A0J_ y2g  b  .3  Ԉ0    ViWg-liW1.mgr.btistnUrmlsliWur,svohlj;Wandi:AlmennskuldabrfsemstofnuWeru g? vegnavanskila,ofgreiWslunmslnaeWamarkaWskjaralnateljastekkikrfurvegna 2   nmslna.A0J_݌!   Ќ  "A0J"  A0J5 y2g  c  .3  Ԉ0    eftirg-liW1.mgr.kemurnUrstafliWur,svohlj;Wandi:krafnaviWskiptabankavegna  " tmabundinnarfyrirgreiWslusemnmsmannierveittvegnaframfrslugrundvelli !k# vntanlegslnsfrLnasj;Wislenskranmsmanna,endahafisamhliWaveriWsamiWum ^"6$ aWlninuskulirWstafaaWfullutiluppgjrsfyrirgreiWsluviWskiptabankans.Ef )#% umskjandifullngirekkiskilyrWumlnasj;WsinsumframvindunmsskalfariWmeW #& fyrirgreiWsluviWskiptabanka,eWaeftiratvikumYannhlutahennarsemekkifstgreiddur $ ' meWlnifrsj;Wnum,semsamningskrfuogtekurgreiWsluaWlgunYtilkrfunnar.A0J5b݌%b!(      U&-") _@&`& a  3.gr. (  y EftirfarandibreytingarverWaeliW1.mgr.6.gr.laganna:  ! ! *(g00*"A0J"  A0J y2g  a  .3  Ԉ0    ViWfyrrimlsliWbtist:sWustuYremurrum.'a(}A0J݌   Ќ  "A0J"  A0J y2g  b  .3  Ԉ0    ViWbtistnUrmlsliWur,svohlj;Wandi:JafnframterheimiltaWsamYykkjaums;knhafi a einstaklingurfengiWnauWasamningtilgreiWsluaWlgunarfyrirgildistkulagaYessara.A0J ݌T,   Ќ  &  @&`4.gr.   y EftirfarandibreytingarverWa7.gr.laganna':   ! ! *(g00*"A0J"  A0J y2g  a  .3  Ԉ0    ViWbtistnUmlsgreinerverWur3.mgr.,svohlj;Wandi:A0J݌ X   Ќ  0 y 0y y  e   HafiumboWsmaWurskuldarasamYykktums;knumgreiWsluaWlgunYegarskuldari K #  hefurgildannauWasamningtilgreiWsluaWlgunar,sbr.eliW1.mgr.6.gr.,fellur    nauWasamningursjlfkrafargildiogskalumboWsmaWurtilkynnakrfuhfumog    sUslumannium;gildinguna.    "A0J"  A0J y2g  b  .3  Ԉ0    0staWorWsins?viku 3.mgr.kemur:tveggjavikna.A0J݌wO    Ќ  @&`5.&  gr.     y '  EftirfarandibreytingarverWa11.gr.laganna:   ! ! *(g00*"A0J"  A0J7 y2g  a  .3  Ԉ0    ViWf-liW1.mgr.btist:eWarWasthverskonaraWgerWirtilinnheimtukrfu.A0J7d݌{    Ќ  "A0J"  A0Ju  y2g  b  .3  Ԉ0    eftirf-liW1.mgr.kemurnUrstafliWur,svohlj;Wandi:rWasthverskonaraWgerWirtil nF innheimtukrafnasemtryggWarerumeWveWifasteignYriWjaaWila.A0Ju ݌9   Ќ  "A0J"  A0J0" y2g  c  .3  Ԉ0    ViWbtistnUmlsgrein,svohlj;Wandi:A0J0"]"݌   Ќ  0 y 0y y  e   SkrafatryggWmeWlgveWiYegarfrestungreiWslnahefstskalstmisemfrestun  greiWslnaergildiveraundanskilinnlgbundnumfyrningarfrestilgveWs.r   @&`6.gr. 0  y ViWd-liW12.gr.lagannabtist:nemaskuldbindingsemstofnaWertilsnauWsynlegtil  aWsjskuldaraogfjlskylduhansfarborWa.  @&`7.gr. \4  y 0staWorWsins?viku 1.mgr.15.gr.,2.mgr.18.gr.,3.mgr.24.gr.og1.mgr.26.gr. ' lagannakemur:tveggjavikna.  @&`8.gr. `   y EftirfarandibreytingarverWa28.gr.laganna: S+!  *(g00*"A0J"  A0JG' y2g  a  .3  Ԉ0    1.mgr.orWastsvo:A0JG't'݌"   Ќ  0 y 0y y  e   XegarumboWsmaWurskuldarahefursamYykktums;knskuldaraumgreiWsluaWlgun # skalhannYYegar;skaeftirYvaWathugasemdumsamYykkiums;knskuldaraum  $ greiWsluaWlgunverWiskrWYinglUsingabkur,eftirYvsemviW.Slkskrningber !W% ekkiYinglUsingagjld.J""&   "A0J"  A0J* y2g  b  .3  Ԉ0    0staWorWanna?skrathugasemd 4.mgr.kemur:umboWsmaWur;skaeftirskrningu #' athugasemdar.A0J*L*݌#(   Ќ  @&`9.gr. v%N!*  y 29.gr.lagannaorWastsvo: A&"+  y XegargreiWsluaWlgunartmabilierlokiWeWahafiskuldaridregiWums;knsnatilbaka  '", samrmiviW5.mgr.7.gr.skalumboWsmaWurskuldara;skaeftiraflUsinguathugasemdar '#- skv.1.mgr.28.gr. (z$. Ї@vv&`10.gr. (  y 34.gr.lagannaorWastsvosamtfyrirsgn:  @  `ReglugerWumgreiWsluaWlguneinstaklinga.   y FlagsogtryggingamlarWherraseturaWfenginniumsgnumboWsmannsskuldara a reglugerWumgreiWsluaWlguneinstaklingaYarsemm.a.skalkveWaumstarfsemi T, umsj;narmannaogsamrmdaframkvmdgreiWsluaWlgunar.  @vv&`11.gr.    y ViWkvWitilbrWabirgWalgunum,sbr.lgnr.128/2010,btasttvrnUjar  X mlsgreinar,svohlj;Wandi: K #   y meWanfrestungreiWslnastendurogWurenumsj;narmaWurerskipaWursamrmiviW    9.gr.skalumboWsmanniskuldaraveraheimiltaWveitasamYykkitilrWstfunareigna    skuldara.RWstfuneignaskalekkiheimiluWnemahnverWitalintilYessfallinaWauWvelda   skuldaraaWkomajafnvgimilliskuldaoggreiWslugetu.SalaeignaskaleftirYvsemviW wO  verasamrmiviW13.gr.,eWlilegtverWskalkomafyrireignirogshagnaWureftirgreiWslu B  hvlandiveWskuldaskalhannvarWveitturYannigaWhannliggifyrir;skerturviWlok    frestunargreiWslna.XrttfyrirkvWi11.gr.skallnardrottnumsemnj;taveWrttarhinni   seldueignheimiltaWtakaviWgreiWslukrfumsnum. {   y UmboWsmaWurskuldaraskaltryggjaaWrWstfuneignassamrmiviW8.mgr.ogaW nF hagnaWurafslueignasvarWveittursrstkumvrslureikningiumboWsmannsskuldara 9 meWanfrestungreiWslnastendur.  @%`II.KAFLI r @||` Breytinglgumnr.21/1991,umgjaldYrotaskiptio.fl.,meWsWaribreytingum.  e= @vv&`12.gr. 0  y ViW1.mgr.63.gr.alagannabtistnUrmlsliWur,svohlj;Wandi:NauWasamningurtil  greiWsluaWlgunartekurY;ekkitileftirfarandikrafna:  ! ! *(g00*"A0J"  A0J7 y2g  a  .3  Ԉ0    fsektasemkveWnarhafaveriWmeWd;mieWaafstj;rnvaldieWameWsttWuren i ums;knumgreiWsluaWlgunvartekintilgreina,krafnaumvangoldinnvirWisaukaskatt, \4 krafnaumafdregnavangoldnastaWgreiWsluopinberragjaldaogkrafnaumskaWabtur ' vegnatj;nssemsamkvmtd;mihefurveriWvaldiWmeWrefsiverWuathfi,A0J77݌   Ќ  "A0J"  A0JB: y2g  b  .3  Ԉ0    krafnaLnasj;WsslenskranmsmannavegnanmslnaaWWruleytienYvaWkveWa  mviWgreiWsluaWlgunaWafborganirafYeimogvextirfalliniWur `  greiWsluaWlgunartma;almennskuldabrfsemstofnuWeruvegnavanskila,ofgreiWslu S+! nmslnaeWamarkaWskjaralnateljastekkikrfurvegnanmslna,A0JB:o:݌"   Ќ  "A0J"  A0J< y2g  c  .3  Ԉ0    krafnaviWskiptabankavegnatmabundinnarfyrirgreiWslusemnmsmannierveittvegna # framfrslugrundvellivntanlegslnsfrLnasj;Wislenskranmsmanna,endahafi  $ samhliWaveriWsamiWumaWlninuskulirWstafaaWfullutiluppgjrsfyrirgreiWslu !W% viWskiptabankans;efumskjandifullngirekkiskilyrWumlnasj;Wsinsumframvindu J""& nmsskalfariWmeWfyrirgreiWsluviWskiptabanka,eWaeftiratvikumYannhlutahennar #' semekkifstgreiddurmeWlnifrsj;Wnum,semsamningskrfuogtekur #( greiWsluaWlgunYtilkrfunnar,A0J<<݌$ )   Ќ  "A0J"  A0Jx@ y2g  d  .3  Ԉ0    uppsafnaWraskuldaviWopinberaaWilavegnameWlagsogferumuppsafnaWaskuld v%N!* samkvmtvilnunarrrWumlagaumInnheimtustofnunsveitarflaga,nr.54/1971.A0Jx@@݌A&"+     _  '", @vv&`& ,  13.gr. (  y 63.gr.clagannaorWastsvo:   y LjkamgjaldYrotaskiptummeWnauWasamningitilgreiWsluaWlgunareftirkvWum  XXI.kaflaogeftiratvikumtmabundinni',(XBgreiWsluaWlgunfasteignaveWkrafnasamkvmt a lgumnr.50/2009.0staWYessaWYrotamaWurleggifrumvarpaWnauWasamningifyrir T, skiptastj;raoghannltigreiWaatkvWiumYaWskalYrotamaWurinnYleggjafyrir  skiptastj;ragreiWslutlunoghannsWanleitagreiWsluaWlgunarsamahttog  umsj;narmaWurhefWiellagertsamkvmtkvWumV.kaflalaganr.101/2010,um   greiWsluaWlguneinstaklinga.  X @$`III.KAFLI       Breytinglgumnr.24/2010,umgreiWsluuppgjropinberumgjldumlgaWila    ogeinstaklingaatvinnurekstri.    "F@vv&`14.gr. wO   y ViW1.mgr.1.gr.lagannabtistnUrmlsliWur,svohlj;Wandi:Einstaklingarsemhtthafa B  atvinnurekstrigetajafnframts;ttumfresttilgreiWsluuppgjrsefvanskilintengjast    atvinnurekstriYeirra.   @%`IV.KAFLI nF @ ` Breytinglgumnr.100/2010,umumboWsmannskuldara.  9 @vv&`15.gr.  0 y EftirfarandibreytingarverWa5.gr.laganna:y y  ! ! *(g00*"A0J"  A0JI y2g  a  .3  Ԉ0    4.mgr.fellurbrott.A0JI+J݌r   Ќ  "A0J"  A0JJ y2g  b  .3  Ԉ0    0staWlokamlsliWar5.mgr.komaYrrnUirmlsliWir,svohlj;Wandi:MiWaskalviWaW e= gjaldskyldiraWilargreiWigjaldiWhlutfllumviWumfangtlnastarfsemisinnarlok 0 nstliWinsrs.GjaldskylduraWilierundanYeginngreiWsluYvrisemhannhefur  starfsemi.riWeftiraWgjaldskylduraWilihefurstarfsemiskalmiWalagninguviW  greiWslu500.000kr.A0JJK݌i   Ќ  @vv&`16.gr. '  y ViW1.mgr.kvWistilbrWabirgWaIIIlgunumbtistnUrmlsliWur,svohlj;Wandi:ViW  gjaldtkuvegnarsins2010skalmiWaviWupplUsingarumumfangtlnagjaldskyldraaWila  lokrsins2009ogskalgjalddagigjaldsinsvera31.desember2010. `  @vv&`17.gr. "  y LgYessiWlastYegargildi. # @#`_____________ #' @ `X=XoSamYykktAlYingi30.n;vember2010.#oXX=8P#