WPC w@.EmЙP8QHA-#'\m2Dq@Pa$Y,E/i|۩nz#lI:ycg o]m s3|uxdw'G' =8PlLD(׸$M} f;j"agTwȷeBm\Ԩd-|vw&XCmwr(SƵ5UN %4 0Y:# ^\^ mw145^ IUd D-* 72W 0U 0#$%e&+' 09' A*( 0( 0) 0* 0l+ 0C, 0- 0- 0C. 0. 0/ 00 0c1 0+2 02 03 0q4 0@+5 0k5 096 07 07 08 0S9 0: 0: 0<; 1; 72H<<z< 1=7=> 72t? 1? 72-@ 1_@ 72@ 1A 72AEA 0A 0<B 0,C 0;C 0&C 0D 0E 0:oF 0F 0-[G 00H 00I 03J 0L 0N 0Q 0LT 0  W 0X 0Z 0YH[ B[ AM[ 0N \ 0Y\ 0\N] 0] 08^ 0^ 0v_ 1` 0` 0vQa 0e 0vff D5j 0vk 0Ko 0o 00Tt 0 uu 0-u 0w&w Aw 0 7 7 7 7  1 72 1 72[ 1 72 1F 72 1 72 1 72? 1q 72 0* 0j DC% 1h 72 1! 72 1 72a 1 72 0L 0 1 1j 1 1x 0 0 0b 0= 0) 1, 1 1: 1 72H 1z 72 13 72 0 0 0 0 0 0 0 0h 0P 02 0 0 0 0 0 0Z 00 0 0 0 0  0~  0Y  01  0  0  0& 0 0s 0#+ 0N 0 0<mU.&d9 Z6Times New Roman RegularX(1$ IS , .\R6&A4\X_XXXTRW<6&A4W<6&A4 6&A4 6&A4T ? 9XX_-?vbX-#ggdd  80dd8ISUS.,     Adobe PDF  0\\Mimir\forrit\WP2000\template\SKJRIT~1.WPT\\Mimir\forrit\WP2000\template\SkjritunY2k.wptU<ό|)rirs?gh{= 3|xLevel 1Level 2Level 3Level 4Level 5)!dxdx_*+ (_2623  .. "h?nnunargreinum$t?lvunarfr%Winga"lUsingarh?nnuWa(iWnaWarrWuneytinuupptalningunastarfsheitinu"kerfisfr%WingurCtskriftt?lvut%kna&RafiWnaWarsk;lanst?lvukerfum&t?lvunarfr%Wiskor&t?lvunarfr%Wingar,t?lvunarfr%Wingarnir$skyldunmskeiWum$skyldueiningunum,st%rWfr%WinmskeiWum(st%rWfr%Wigreiningbestunarfr%Wi&t?lvunarfr%Winnar$t?lvunarfr%Winni&skyldueiningarnar2t?lvunarfr%WinmskeiWumt?lvusviWinu"grunnskilningur(t?lvunarfr%Wideildkj?rsviWa&notendahugbCnaWar$kerfishugbCnaWar&viWskiptafr%Wivalt%knigreinum"kerfisfr%Wingarkj?rsviWiforritun"st%rWfr%Wigrunn$umfj?llunarefniW(st%rWfr%WinmskeiW6t?lvunarfr%Wideildarinnart?lvuv%WingarSkUrr hugbCnaWargerW loftskeytamennkerfisfr%Wing"Ctskriftarnemar"CtskriftarnemumstarfsheitiW&t?lvunarfr%WingurhugbCnargerW kerfisfr%WinganetkerfumCtskrifaW&RafiWnaWarsk;linnumsagnaraWili"lgmarksmenntun$starfsheital?ginl?ggilt"rafverkfr%Wingarafverktaka$lUsingarh?nnuWur*D+J (_25   ," <DL,23  ..  2( 4 <DL2  ӂLevel 1Level 2Level 3Level 4Level 5Level 1Level 2Level 3Level 4Level 5Level 1Level 2Level 3Level 4Level 5Level 1Level 2Level 3Level 4Level 5, *HNK2   cf&OLE 2.0 Box <=8C HKKKK*A+J (_24   ) <DL)23  ..  2( 4 <DL2  *>+J (_23  ` &<<DL&23  ..  2( 4 <DL2  *;+J (_22   #DL#23  ..  2( 4 <DL2  *8+J (_21    DL 23  ..  2( 4 <DL2  *5+J (_20  h DDL23  ..  2( 4 <DL2  *2+J (_19   L23  ..  2( 4 <DL2  */+J (_18    L23  ..  2( 4 <DL2  * (_1723  Ԁ*DJ (_16   ," <DL,23  Ԁ  2( 4 <DL2  *AJ (_15   ) <DL)23  Ԁ  2( 4 <DL2  *>J (_14  ` &<<DL&23  Ԁ  2( 4 <DL2  *;J (_13   #DL#23  Ԁ  2( 4 <DL2  *8J (_12    DL 23  Ԁ  2( 4 <DL2  *5J (_11  h DDL23  Ԁ  2( 4 <DL2  *2J (_10   L23  Ԁ  2( 4 <DL2  (/J &_9    L23  Ԁ  2( 4 <DL2  ( &_823  (DJ &_7   ," <DL,23   2( 4 <DL2  (AJ &_6   ) <DL)23   2( 4 <DL2  (>J &_5  ` &<<DL&23   2( 4 <DL2  (;J &_4   #DL#23   2( 4 <DL2  (8J &_3    DL 23   2( 4 <DL2  (5J &_2  h DDL23   2( 4 <DL2  (2J &_1   L23   2( 4 <DL2  &/J $_    L23   2( 4 <DL2  <:Default Para(5hCEKQW]cioAutoList1a.a.a.a.a.a.a.a.3a. 2 aZ'ISUS.,,,..XXXX? ;XX-?vbX-#ggdd  ISIS,.   _ (EhCEKQW]cioAutoList2a.a.a.a.a.a.a.a. - eZ)ISUS.,,,..XXXX? ;XX-?vbX-#ggdd  ISIS,.   _Ԁ6a.0UhCEKQW]cioAutoList31.1.1.1.1.1.1.1.91.(ehCEKQW]cioAutoList41.1.1.1.1.1.1.1.;1.(uhCEKQW]cioAutoList51.1.1.1.1.1.1.1.=1.2S+P 0_level1  , ;1PPP|, 4<D ";23  ..  8.$$|, 4<D "8  <:footnote ref,*MIVJ2000Level 1   IS XXX US   2zz0Level 3   7 2( 4 <DL2 IS XXX  2( 4 <DL2 US    0GG.header   `  IS XXX US    ` 0GG.footer   `  IS XXX US    ` :8page number:<<8Body Text 2  X  IS XXX US   X <`+f :Outline001_1   ," <DL,23  ..  2( 4 <DL2  <c+f :Outline002_1   /% <DL/23  ..  2( 4 <DL2  <c+f :Outline003_1   /%  <DL/23  ..  2( 4 <DL2  <f+f :Outline004_1   2( 4 <DL223  ..  2( 4 <DL2  < :Outline005_1   ," <DL,A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  2( 4 <DL2  < :Outline006_1   /% <DL/A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  2( 4 <DL2  < :Outline007_1   /%  <DL/A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  2( 4 <DL2  < :Outline008_1   2( 4 <DL2A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  2( 4 <DL2  <Q+Q :Outline009_15+ 4 <DL523  ..5+ 4 <DL5< :Outline010_15+ 4 <DL5A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS5+ 4 <DL5<+ :Outline011_123  ..64Hyperlink     d cfA<< c(O$<+ :Outline011_223  ..<+ :Outline011_323  ..<+ :Outline011_423  ..<+ :Outline011_523  ..<+ :Outline011_623  ..<+ :Outline011_723  ..ikmo0JTEu{}1. a. 1.StafliWir undir t?luliW1.a.1.<+ :Outline011_823  ..(N3Z$ !ISUS.,,,..TRW6&A4X3' Letter 6&A4\X_X3'LetterTXXXXTRW6&A4W6&A4 6&A4 6&A4\X_XT ? ;XX-?vbX-#ggdd  8;dXXd8ISIS,.      <+ :Outline011_923  ..(N3Z$ !ISUS.,,,..TRW6&A4X3' Letter 6&A4\X_X3'LetterTXXXXTRW6&A4W6&A4 6&A4 6&A4\X_XT ? ;XX-?vbX-#ggdd  8;dXXd8ISIS,.      UUUU)!dxdx(N3Z$ !ISUS.,,,..TRW6&A4X3' Letter 6&A4\X_X3'LetterTXXXXTRW6&A4W6&A4 6&A4 6&A4\X_XT ? ;XX-?vbX-#ggdd  8;dXXd8ISIS,.      ( $ Figure  1  (Z3^E$ !ISUS.,,,..TRW6&A4X3' Letter 6&A4\X_X3'LetterTXXXXTRW6&A4W6&A4 6&A4 6&A4\X_XT ? ;XX-?vbX-#ggdd  8;dXXd8ISIS,.       d <c+f :Outline012_1  { /%W W <DL/23  ..  2( 4 <DL2  (M(m$2JT  0  .3  0  <`+f :Outline012_2   ," <DL,23  ..  2( 4 <DL2  (O$0  2  3  0` "" cf I&mage <=8C HKKKK(u$0  0` (#(#` `  2  a  .3  0` (#` (#<]+f :Outline012_3 j + ) <DL)23  ..  2( 4 <DL2 j (`$0  0` (#(#0 ` (#` (#0 (# (#"h2  0  .3  0(#(#<Z+f :Outline012_4   &__DL&23  ..  2( 4 <DL2  3#37=CIQYag1.a.i.(1)(a)(i)1)a)<W+f :Outline012_5   #DL#23  ..  2( 4 <DL2  <T+f :Outline012_6 j 3  DL 23  ..  2( 4 <DL2 j <Q+f :Outline012_7   ggL23  ..  2( 4 <DL2  <N+f :Outline012_8   L23  ..  2( 4 <DL2  <K+f :Outline012_9 j ;  L23  ..  2( 4 <DL2 j <c+f :Outline013_1  X /%4 4 <DL/23  ..  2( 4 <DL2  < :Outline013_2   ," <DL,A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  2( 4 <DL2  <]+f :Outline013_3   ) <DL)23  ..  2( 4 <DL2  <Z+f :Outline013_4  ` &<<DL&23  ..  2( 4 <DL2  <W+f :Outline013_5   #DL#23  ..  2( 4 <DL2  <T+f :Outline013_6    DL 23  ..  2( 4 <DL2  <Q+f :Outline013_7  h DDL23  ..  2( 4 <DL2  <N+f :Outline013_8   L23  ..  2( 4 <DL2  <K+f :Outline013_9    L23  ..  2( 4 <DL2  <f+f :Outline014_1   2( 4 <DL223  ..  2( 4 <DL2  <c+f :Outline014_2  q /%M M <DL/23  ..  2( 4 <DL2  <`+f :Outline014_3 j  ," <DL,23  ..  2( 4 <DL2 j <]+f :Outline014_4  ! ) <DL)23  ..  2( 4 <DL2  <Z+f :Outline014_5  y &UUDL&23  ..  2( 4 <DL2  qi)<W+f :Outline014_6 j  #DL#23  ..  2( 4 <DL2 j <T+f :Outline014_7  )  DL 23  ..  2( 4 <DL2  <Q+f :Outline014_8   ]]L23  ..  2( 4 <DL2   gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)<N+f :Outline014_9 j  L23  ..  2( 4 <DL2 j <c+f :Outline015_1   /%  <DL/23  ..  2( 4 <DL2  <`+f :Outline015_2  _ ,"; ; <DL,23  ..  2( 4 <DL2  <]+f :Outline015_3 j  ) <DL)23  ..  2( 4 <DL2 j <Z+f :Outline015_4   &DL&23  ..  2( 4 <DL2  <W+f :Outline015_5  g #CCDL#23  ..  2( 4 <DL2  <T+f :Outline015_6 j   DL 23  ..  2( 4 <DL2 j <Q+f :Outline015_7   L23  ..  2( 4 <DL2  <N+f :Outline015_8  o KKL23  ..  2( 4 <DL2  <K+f :Outline015_9 j   L23  ..  2( 4 <DL2 j <c+f :Outline016_1  h /%D D <DL/23  ..  2( 4 <DL2  <`+f :Outline016_2   ,"x x <DL,23  ..  2( 4 <DL2  <]+f :Outline016_3 j  ) <DL)23  ..  2( 4 <DL2 j <Z+f :Outline016_4  L &((DL&23  ..  2( 4 <DL2  <W+f :Outline016_5   #DL#23  ..  2( 4 <DL2  <T+f :Outline016_6 j   DL 23  ..  2( 4 <DL2 j <Q+f :Outline016_7  T 00L23  ..  2( 4 <DL2  <N+f :Outline016_8   L23  ..  2( 4 <DL2  <K+f :Outline016_9 j   L23  ..  2( 4 <DL2 j <f+f :Outline017_1   2( 4 <DL223  ..  2( 4 <DL2  4cp Z "Times Regular<c+f :Outline017_2  q /%M M <DL/23  ..  2( 4 <DL2  <`+f :Outline017_3 j  ," <DL,23  ..  2( 4 <DL2 j <]+f :Outline017_4  ! ) <DL)23  ..  2( 4 <DL2  <Z+f :Outline017_5  y &UUDL&23  ..  2( 4 <DL2  <W+f :Outline017_6 j  #DL#23  ..  2( 4 <DL2 j <T+f :Outline017_7  )  DL 23  ..  2( 4 <DL2  )Hairline d<Q+f :Outline017_8   ]]L23  ..  2( 4 <DL2  <N+f :Outline017_9 j  L23  ..  2( 4 <DL2 j <c+f :Outline018_1  q /%M M <DL/23  ..  2( 4 <DL2  <`+f :Outline018_2   ," <DL,23  ..  2( 4 <DL2  <]+f :Outline018_3   ) <DL)23  ..  2( 4 <DL2  (`H2l $ !ISUS.,,,..TRW6&A4X3' Letter 6&A43'LetterTXXXXTRW6&A4W6&A4 6&A4 6&A4T ? ;XX-?vbX-#ggdd  8;dXXd8ISIS,.          0  O;Ԁ<Z+f :Outline018_4  ` &<<DL&23  ..  2( 4 <DL2  (#$  0  <W+f :Outline018_5   #DL#23  ..  2( 4 <DL2  <T+f :Outline018_6    DL 23  ..  2( 4 <DL2  <Q+f :Outline018_7  h DDL23  ..  2( 4 <DL2  <N+f :Outline018_8   L23  ..  2( 4 <DL2  <K+f :Outline018_9    L23  ..  2( 4 <DL2  <f+f :Outline019_1   2( 4 <DL223  ..  2( 4 <DL2  <c+f :Outline019_2  q /%M M <DL/23  ..  2( 4 <DL2  <`+f :Outline019_3 j  ," <DL,23  ..  2( 4 <DL2 j <]+f :Outline019_4  ! ) <DL)23  ..  2( 4 <DL2  <Z+f :Outline019_5  y &UUDL&23  ..  2( 4 <DL2  <W+f :Outline019_6 j  #DL#23  ..  2( 4 <DL2 j <T+f :Outline019_7  )  DL 23  ..  2( 4 <DL2  <Q+f :Outline019_8   ]]L23  ..  2( 4 <DL2  <N+f :Outline019_9 j  L23  ..  2( 4 <DL2 j <+ :Outline020_123  ..<+ :Outline020_223  ..<+ :Outline020_323  ..<+ :Outline020_423  ..<+ :Outline020_523  ..<+ :Outline020_623  ..<+ :Outline020_723  ..<+ :Outline020_823  ..< :Outline037_123  < :Outline037_223  < :Outline037_323  < :Outline037_423  < :Outline037_523  < :Outline037_623  < :Outline037_723  < :Outline037_823  < :Outline037_923  < :Outline038_123  < :Outline038_223  < :Outline038_323  < :Outline038_423  < :Outline038_523  < :Outline038_623  < :Outline038_723  < :Outline038_823  < :Outline038_923   359=AEIMQ1.P....... 35;AGMSY_2a.a.i.1.a.i.1.a.i. 35;AGMSY_31.a.i.1.a.i.1.a.i. 359=AEIMQ4.........(\ Y`Symbol\  `&Times New Roman.i.i..(hCEKQW]cioAutoList6a.a.a.a.a.a.a.a.a.(hCEKQW]cioAutoList71.1.1.1.1.1.1.1.1.(hCEKQW]cioAutoList81.1.1.1.1.1.1.1.1.( CEKQW]cioAutoList9A.A.A.A.A.A.A.A.A.(գEGMSY_ekqAutoList101.1.1.1.1.1.1.1.1.(:EGMSY_ekqAutoList11A.A.A.A.A.A.A.A.A.(JEGMSY_ekqAutoList12A.A.A.A.A.A.A.A.A.6/ 4Heading 1&&&    &&&20Caption &&& U=Thin Bottomdxd(EGMSY_ekqAutoList131.1.1.1.1.1.1.1.1.(EGMSY_ekqAutoList14a.a.a.a.a.a.a.a.a.(%EGMSY_ekqAutoList15a.a.a.a.a.a.a.a.a.(5EGMSY_ekqAutoList16a.a.a.a.a.a.a.a.a.<%%:Definition T US XXX UK <li:Definition L US XXX , ;1PPP|, 4<D ";  8.$$|, 4<D "8 UK (EEGMSY_ekqAutoList17a.a.a.a.a.a.a.a.(UEGMSY_ekqAutoList18a.a.a.a.a.a.a.a.(eEGMSY_ekqAutoList19a.a.a.a.a.a.a.a.(EGMSY_ekqAutoList20a.a.a.a.a.a.a.a.(w$0  0` ""0 ` "` "2  3  0 " "($0  0` ""0 ` "` "0 " "0h""2  +3  0h"h"(ZR$0  0` ""0 ` "` "0 " "0h""0h"h"2  3  0""(7$0  0` ""0 ` "` "0 " "0h""0h"h"0""2  x3  0p""($0  0` ""0 ` "` "0 " "0h""0h"h"0""0p""2  3  0p"p"ikmoh}EGKOSW[_cAutoList22!!!!!!!!)1)a)(EEGMSY_ekqAutoList23a.a.a.a.a.a.a.a.(UEGMSY_ekqAutoList24a.a.a.a.a.a.a.a.(eEGMSY_ekqAutoList25a.a.a.a.a.a.a.a. a.(uEGMSY_ekqAutoList26a.a.a.a.a.a.a.a.a.(EGMSY_ekqAutoList27a.a.a.a.a.a.a.a.a.2J+J 0_level2  X 2( & ~ .6> 223  ..  2(v v& ~ .6> 2  2J+J 0_level3   2( & ~ .6> 223  ..  2(v v& ~ .6> 2  2G+J 0_level4   /%& & & ~ .6> /23  ..  2(v v& ~ .6> 2  2G+J 0_level5   /%R R R ~ .6> /23  ..  2(v v& ~ .6> 2  2D+J 0_level6   ,"~ ~ ~ .6> ,23  ..  2(v v& ~ .6> 2  2D+J 0_level7  4 ," .6> ,23  ..  2(v v& ~ .6> 2  2A+J 0_level8  ` ) .6> )23  ..  2(v v& ~ .6> 2  2A+J 0_level9   ) .6> )23  ..  2(v v& ~ .6> 2  2MJ 0_levsl1  , 5+ & ~ .6> 523  Ԁ  2(v v& ~ .6> 2  2JJ 0_levsl2  X 2( & ~ .6> 223  Ԁ  2(v v& ~ .6> 2  2JJ 0_levsl3   2( & ~ .6> 223  Ԁ  2(v v& ~ .6> 2  2GJ 0_levsl4   /%& & & ~ .6> /23  Ԁ  2(v v& ~ .6> 2  2GJ 0_levsl5   /%R R R ~ .6> /23  Ԁ  2(v v& ~ .6> 2  2DJ 0_levsl6   ,"~ ~ ~ .6> ,23  Ԁ  2(v v& ~ .6> 2  2DJ 0_levsl7  4 ," .6> ,23  Ԁ  2(v v& ~ .6> 2  2AJ 0_levsl8  ` ) .6> )23  Ԁ  2(v v& ~ .6> 2  2AJ 0_levsl9   ) .6> )23  Ԁ  2(v v& ~ .6> 2  2MJ 0_levnl1  , 5+ & ~ .6> 523   2(v v& ~ .6> 2  2JJ 0_levnl2  X 2( & ~ .6> 223   2(v v& ~ .6> 2  2JJ 0_levnl3   2( & ~ .6> 223   2(v v& ~ .6> 2  2GJ 0_levnl4   /%& & & ~ .6> /23   2(v v& ~ .6> 2  2GJ 0_levnl5   /%R R R ~ .6> /23   2(v v& ~ .6> 2  2DJ 0_levnl6   ,"~ ~ ~ .6> ,23   2(v v& ~ .6> 2  2DJ 0_levnl7  4 ," .6> ,23   2(v v& ~ .6> 2  2AJ 0_levnl8  ` ) .6> )23   2(v v& ~ .6> 2  2AJ 0_levnl9   ) .6> )23   2(v v& ~ .6> 2  <zp :Body Text I2 d X  US XXX  /%v v ~ .6> /2(v v& ~ .6> 2 IS   X 622 4Body Text US XXX   IS   <>> :Body Text I1   US XXX   IS    <c :Body Text In   US XXX /%v vK7  > /PFvv& ~ .6> P IS   : 8Body Text 3 US XXXC4\  `Tms RmnC5+v vv& ~ .6> 5J@vv& ~ .6> J IS S\  `&Times New RomanS<%%:Comment Refe US  IS < :Comment Text\  `Tms Rmn !ISUS.,,,..TRW6&A4X3' Letter 6&A43'LetterTXXXXTRW6&A4W6&A4 6&A4 6&A4T ? ;XX-?vbX-#ggdd  8;dd8ISIS,.      _ _ikmo(JT03q57 Xskj.417"339.ml.      i;Frumvarptillaga/#;ih#  XX;umbreytingulgumumatvinnuleysistryggingarog   lgumummlefnialdraWra,meWsWaribreytingum.#;XX#;;  r  % K #(LagtfyrirAlYingi139.lggjafarYingi2010!2011.) %    ] 5   ?U?' b dE" ? ] 5      I.KAFLI    Breytinglgumnr.54/2006,umatvinnuleysistryggingar, a  meWsWaribreytingum.  T,  1.gr.     EftirfarandibreytingarverWakvWitilbrWabirgWaVlgunum:   6(Eh80_ikmo"i(m"  i(m 2Eh  a  .3  Ԉ0    0staWhlutfallstlunnar?20% 2.mgr.kemur:30%.i(m ݌ Ќ  "i(m"  i(m 2Eh  b  .3  Ԉ0    0staWdagsetningarinnar?31.desember2010 7.mgr.kemur:30.jn2011.i(m  ݌X Ќ  @==!2.gr.    0staWdagsetningarinnar?31.desember2010 5.mgr.kvWistilbrWabirgWa_VI_Ԁlg  unumkemur:30.jn2011.  @==!3.gr. B   ViWlginbtistnUttkvWitilbrWabirgWa,svohlj;Wandi:     Xrttfyrir1.mgr.29.gr.geturssemtelsttryggWursamkvmtlgumYessumoghefur  fyrstaskiptifengiWgreiddaratvinnuleysisbturfrogmeW1.ma2008eWasWarttrtt { greiWsluatvinnuleysisb;tat;lfmnuWitilviWb;tarfrYeimdegiertmabiliskv.1.mgr.29. nF gr.laukendauppfyllihannframskilyrWilagaYessaranemaannaWleiWiafYeim. 9    Xrttfyrir30.gr.geturssemtelsttryggWursamkvmtlgumYessumoghefurfengiW ! greiddaratvinnuleysisbtursamtalsfjgurrunniWsrrttinnanatvinnuleysistrygginga " kerfisinsaWnUjuaWliWnum24mnuWumendahafihannstarfaWvinnumarkaWia.m.k.sex r# mnuWieftiraWfyrratmabililaukogmisststarfsittafgildumstWum.HefstYnUtttmabil e =$ skv.29.gr.enaWWruleytigildakvWiIII.og_IV_.kaflaumskilyrWiatvinnuleysistryggingar 0!% hinstryggWaeftirYvsemviWgeturtt. !&   kvWiYettagildirtil31.desember2011. "'   II.KAFLI \$4 )  Breytinglgumnr.125/1999,ummlefnialdraWra, '% * meWsWaribreytingum.  %!+ 4.gr. &",   eftirorWunum?fyriraldraWarekstrarrin kvWitilbrWabirgWa_VII_Ԁlgunum '`#- kemur:2011. S(+$. _ԇ@==!&  5.gr. (   LgYessiWlastgildi1.janar2011.'(  @ #dggAthugasemdirviWlagafrumvarpYetta.#ggdlԈ a   MikiWhefurreyntatvinnuleysistryggingakerfiWfrokt;ber2008oghefurflags-og T, tryggingamlarWuneytiWsamtsamtkumaWilavinnumarkaWarinsfylgstniWmeWfram  kvmdlaganr.54/2006,umatvinnuleysistryggingar,meWsWaribreytingum,frYeimtma.  LgWhefurveriWherslaaWbtarYeimannmrkumsemupphafakomiWframkvmd   innioghefurflags-ogtryggingamlarWherraYvskynilagttilbreytingarlgunumsam  X talsfj;rumsinnumfrYvn;vember2008.Samstarfsh;purhefurmeWalannarsveriWstarf K #  andivegumflags-ogtryggingamlarWuneytisinstilaWfarayfirframkvmdlagannaen    YareigastifulltrarfrAlYUWusambandi0slands,Bandalagihsk;lamanna,Bandalagi    starfsmannarkisogbja,Kennarasambandi0slands,Sambandislenskrasveitarflaga,Sam   tkumatvinnulfsinsogVinnumlastofnunaukfulltrarWuneytisins. wO    LangtmaatvinnuleysihefuraukisthrlandisamkvmtupplUsingumfrVinnumla B  stofnunenokt;ber2010hfWu4.615einstaklingarveriWskrWirnatvinnut;lfmnuWi    eWalengur.FjldiYeirraeinstaklingasemhfWuveriWskrWirnatvinnulengurensexmn   uWiokt;ber2010var7.205eWaum54%YeirrasemvoruskrWirnatvinnulokokt;ber. {  SkrWatvinnuleysiokt;ber2010var7,5%semjafngildiraW12.062einstaklingarhafiaW nF meWaltaliveriWskrWirnatvinnumnuWinum.J;kstYvskrWatvinnuleysium0,4%fr 9 Yvseptember2010YegarskrWatvinnuleysimldist7,1%.SkrWatvinnuleysij;kstaWeins  meirahjkrlumenkonumYessutmabilienskrWatvinnuleysimeWalkarlamldist7,8%  okt;beren7,2%meWalkvenna. r   0lj;sireynsluundanfarinnamnaWaogmissiraYykirstWatilaWleggjaframfrumvarp e= YettaYarsemlagWarerutilkveWnarbreytingarlgumumatvinnuleysistryggingar,ekki 0 sstlj;siYessaWlangtmaatvinnuleysihefuraukist.ErYvlagttilaWssemtelsttryggWur  samkvmtlgunumoghefurfyrstaskiptifengiWgreiddaratvinnuleysisbturfrogmeW  1.ma2008eWasWargetittrttgreiWsluatvinnuleysisb;tat;lfmnuWitilviWb;tarfr i YeimdegierYriggjaratmabilihansskv.1.mgr.29.gr.lagannalaukendauppfyllihann \4 framskilyrWilagannatilgreiWsluatvinnuleysisb;ta.EnnfremurerlagttilaWssemtelst ' tryggWursamkvmtlgunumoghefurfengiWgreiddaratvinnuleysisbtursamtalsfjgur  rgetiunniWsrrttinnanatvinnuleysistryggingakerfisinsaWnUjuaWliWnum24mnuWum  endahafihannstarfaWvinnumarkaWia.m.k.sexmnuWieftiraWfyrratmabililaukog `  misststarfsittafgildumstWum.XarsembreytingarYessarerulagWartilmeWhliWsj;naf S+! YeimtmabundnuaWstWumsemuppieruinnlendumvinnumarkaWiergertrWfyriraWYr " verWitmabundnarogaWgildistminnverWitil31.desember2011. #   MeWlgumnr.131/2008,umbreytingulgumnr.54/2006,umatvinnuleysistryggingar,  $ oglgumnr.88/2003,umbyrgWasj;Wlauna,vegnasrstakraaWstWnavinnumarkaWi,var !W% kvWumtilbrWabirgWaVogVIbttviWlginumatvinnuleysistryggingar.kvWitil J""& brWabirgWaVkveWurumaWheimiltsaWuppfylltumtilteknumskilyrWumaWgreiWa #' hlutfallslegaratvinnuleysisbturm;tiskertustarfshlutfallilaunamannaogaWekkikomi #( tilskerWingaratvinnuleysisb;taskv.36.gr.lagannaumatvinnuleysistryggingaraWYver $ ) varWargreiWslurfrvinnuveitandafyrirhiWminnkaWastarfshlutfallgildistmakvWisins. v%N!* JafnframtvarsjlfstttstarfandieinstaklingumgertheimiltaWtakaaWsrtilfallandiverkefni A&"+ samhliWagreiWsluatvinnuleysisb;taaWuppfylltumnnartilgreindumskilyrWum,sbr.kvWi  '", tilbrWabirgWaVI.SamkvmtfrumvarpiYvsemvarWaWfyrrnefndumlgumnr.131/2008 '#- varbreytingumYessumtlaWaWkomatilm;tsviWbreyttaraWstWurvinnumarkaWiogvar ( gildistmikvWannaYvtakmarkaWur.Lgumumatvinnuleysistryggingarvarbreytttv  gangrinu2009semogsWastliWnuvorYingiYarsemmeWalannarsgildistmifyrrnefndra  kvWavarframlengdurllskiptinogergildistmiYeirrantil31.desember2010.MeW a fyrrnefndumbreytingalgum,YarsemgildistmikvWannavarframlengdur,vorujafnframt T, gerWarkveWnarbreytingarefniYeirra.XannigerYaWeittafskilyrWumYessaWgetattrtt  hlutab;tumsamkvmtkvWitilbrWabirgWaVaWstarfshlutfallviWkomandihafiskerst  uma.m.k.20%enfariY;ekkiniWurfyrir50%starfshlutfall.0YvskyniaWnframmark   miWumrkisfjrmlumsemframkomafrumvarpitilfjrlagafyrirriW2011erfrumvarpi  X YessulagttilaWstarfshlutfalllaunaf;lksverWiaWskerWastum30%hiWminnstastaW20% K #  WursvohlutaWeigandigetittrtthlutfallslegumgreiWslumsamkvmtkvWitilbrWa    birgWaV.        HvaWvarWarrttsjlfstttstarfandieinstaklingasamkvmtkvWitilbrWabirgWaVI   YerYeimunntaWhaldarekstrisnumopnumsamfelltYrjmnuWisamhliWaYvaWgeta wO  ttrttgreiWslumrAtvinnuleysistryggingasj;WigrundvellikvWisins.tlisjlfsttt B  starfandieinstaklinguraWhaldarekstrisnumframaWYeimtmaliWnumhannekkirtt    greiWslumrAtvinnuleysistryggingasj;WisamhliWaYv.Standireksturinnhinsvegarekki   undirsraWloknumYessumYremurmnuWumaWYvmarkiaWviWkomandieinstaklingurhafi {  ngaatvinnutengslumviWreksturinngeturhannttrttframhaldandigreiWslumrAt nF vinnuleysistryggingasj;WistWvihannrekstursinn.0frumvarpiYessueruekkilagWartil 9 breytingarhvaWYettavarWar.    0lj;siYessaWennerusrstakaraWstWuruppiinnlendumvinnumarkaWiYarsemenn  rkirkveWin;vissaogskrWatvinnuleysiertluverterfrumvarpiYessulagttilaWgildis r tmifyrrnefndrakvWatilbrWabirgWaVogVIlgumumatvinnuleysistryggingarverWi e= framlengdurtil30.jn2011.XessikvWiYykjamjgg;WrrWiYarsemYauleiWitilYess 0 aWfrrieinstaklingarmissistrfsnaWfulluenellaskumtmabundinnaerfiWleika  vinnumarkaWi.Xannigfengu1.187einstaklingargreiddaratvinnuleysisbturokt;ber2010  grundvellikvWistilbrWabirgWaVensamtalsvoru2.052einstaklingarskrWirhluta i strfinnanatvinnuleysistryggingakerfisinslokokt;ber.samatmavoru32sjlfsttt \4 starfandieinstaklingarskrWirhjVinnumlastofnunvegnasamdrttarrekstriYeirraog ' fenguYvgreiddaratvinnuleysisbturgrundvellikvWistilbrWabirgWaVI.    0lj;sierfiWrarstWurkissj;WserfrumvarpinuennfremurlagttilaWFramkvmdasj;Wi  aldraWraverWiheimiltgrundvellilagaummlefnialdraWraaWrWstafafrsj;Wnumtil `  reksturshjkrunarheimilarinu2011. S+! @ AthugasemdirviWeinstakargreinarfrumvarpsins. # @Um1.og2.gr.  $   kvWitilbrWabirgWaVogVIkomufyrstinnlginumatvinnuleysistryggingar !W% n;vember2008vegnasrstakraaWstWnavinnumarkaWi.MarkmiWiWmeWYessumkvWum J""& varaWkomatilm;tsviWbreyttaraWstWurvinnumarkaWimeWalannarsmeWYvaWstuWla #' aWYvaWatvinnurekendurskoWiYannkostaWlkkastarfshlutfallhjhlutastarfsmannasinna #( grundvellikvWistilbrWabirgWaVfremurenaWgrpatiluppsagna.HefurkvWiYetta $ ) Y;ttreynastvelenum1.100einstaklingarhafattkostaWhaldaframstrfumYrttfyrir v%N!* aWumsaWrWalgrastarfshlutfallenWurstaWYessaWhlutiYessah;pshefWihugsanlega A&"+ orWiWnatvinnuaWfullu.EnnYykirnokkur;vissarkjaumstWuogYr;uninnlendum  '", vinnumarkaWiaukYesssematvinnuleysiernokkuWogspWervaxandiatvinnuleysikom '#- andimnuWum.ErYvlagttilaWgildistmikvWatilbrWabirgWaVogVIverWiframlengdur ( til30.jn2011.0YvskyniaWkomatilm;tsviWYaumarkmiWrkisfjrmlumsemkoma  framfrumvarpitilfjrlagafyrirriW2011erY;lagttilaW_starfshlutfall_ԀviWkomandiverWi  aWskerWastum30%hiWminnstastaW20%WursvohlutaWeigandigetittrtt_hlutfalls a legum_Ԁatvinnuleysisb;tumgrundvellikvWistilbrWabirgWaV. T, @ Um3.gr.    SkrWatvinnuleysihefuraukisttluvertfrhaustmnuWum2008kjlfarefnahagsYreng   ingasemurWubyrjunokt;berYaWr.Margtlaunaf;lkhefurYvmisststrfsnoghefurekki  X ttkostaWrWasigtilannarrastarfa.Lj;steraWumYaWbiltvYsundeinstaklingarmunu K #  tmarttsinninnan_atvinnuleysistryggingakerfisins_Ԁrinu2011YarsemYeirhafaYveriW    lengurenYrjrsamtalsnatvinnu,sbr.29.gr.laganna,enokt;ber2011eruYrjrliWin    frYvaWskrWatvinnuleysij;kstverulegahrlandi.ErYmiWaWviWaWviWkomandiverWi   samfelltskrWirnatvinnuframaWYeimtmaerYriggjara_b;tatmabili_ԀYeirralUkurskv.29. wO  gr.laganna.ErYvlagttilaWssemtelsttryggWursamkvmtlgunumoghefurfyrsta B  skiptifengiWgreiddaratvinnuleysisbturfrogmeW1.ma2008eWasWargetittrtt    greiWsluatvinnuleysisb;tat;lfmnuWitilviWb;tarfrYeimdegierYriggjaratmabilihans   skv.1.mgr.29.gr.lagannalaukendauppfyllihannframskilyrWilagannatilgreiWsluat {  vinnuleysisb;ta.EnnfremurerlagttilaWssemtelsttryggWursamkvmtlgunumoghefur nF fengiWgreiddaratvinnuleysisbtursamtalsfjgurrgrundvelli1.mgr.kvWisinsgeti 9 unniWsrrttinnan_atvinnuleysistryggingakerfisins_ԀaWnUjuaWliWnum24mnuWumenda  hafihannstarfaWvinnumarkaWia.m.k.sexmnuWieftiraWfyrratmabililaukogmisst  starfsittafgildumstWum.XarsembreytingarYessarerulagWartilmeWhliWsj;nafYeim r tmabundnuaWstWumsemuppieruinnlendumvinnumarkaWiergertrWfyriraWYrverWi e= einnigtmabundnarogbtistYvviWlginmeWnUjukvWitilbrWabirgWaogaW_gildis 0 tminn_ԀverWitil31.desember2011.  @ Um4.gr. i   0lj;si_erfiWrar_ԀstWurkissj;WserlagttilaWFramkvmdasj;WialdraWraverWiheimilt \4 grundvellilagaummlefnialdraWraaWrWstafafrs_j;Wnum_Ԁtilreksturs_hjkrunarheimila_ ' rinu2011ogertlaWaWalltaW700millj.kr.verWivariWrsj;WnumYessumtilgangi.  XrttfyrirYettamunsj;WurinnhafatilrWstfunarrmar500millj.kr.tilendurb;taog  viWhalds_ldrunarstofnunum_Ԁrinu2011enfrYvaWrkisstj;rninsamYykkti13.okt;ber `  2009aWhefjasamstarfviWnusveitarflgumbyggingu_hjkrunarheimila_Ԁsamkvmt S+! svokallaWri_leiguleiW_ԀhafaekkiveriWteknarnUjarkvarWanirumbyggingu_hjkrunarheimila_ " meWframlgumaffjrlgumeWarFramkvmdasj;WialdraWra. # @ Um5.gr. !W%   kvWiYettaYarfnastekkiskUringar. J""&   $ )  &   Fylgiskjal. ( mAU?) dE?$ A^m   FjrmlarWuneyti,  fjrlagaskrifstofa: a    Umsgnumfrumvarptillagaumbreytingulgumumatvinnuleysistryggingar  oglgumummlefnialdraWra,meWsWaribreytingum.   |R  0frumvarpinueruannarsvegarlagWartilbreytingarlgumumatvinnuleysistryggingar   oghinsvegarlgumummlefnialdraWra.  X '(gQ  Tillgurumbreytingarlgumumatvinnuleysistryggingarerutvr.0fyrstalagierlagt K #  tilaWYeirsemhafafengiWgreiddaratvinnuleysisbturfyrstaskipti1.ma2008eWasWar    hafirttframhaldandiatvinnuleysisb;tumt;lfmnuWitilviWb;tarfrYeimdegier    YriggjaratmabiliYeirralUkurendauppfylliYeirframskilyrWitilgreiWsluatvinnuleysis   b;ta.Samkvmtgildandilgumeigaeinstaklingarekkirttatvinnuleysisb;tumlenguren wO  Yrjr.GerterrWfyriraWYettakvWiaukitgjldAtvinnuleysistryggingasj;Wsum640 B  m.kr.rinu2011ogbyggiststlunYvaWfjldiYeirrasemlokiWhafaYriggjarasam    felldub;tatmabilifarir100mannsrsbyrjun2011rmlega2.000mannsrslok2011.     0WrulagierlgWtilframlengingtil30.jn2011brWabirgWakvWiumheimildtil {  greiWsluatvinnuleysisb;tam;timinnkuWuhlutastarfi,tillaunYegaogsjlfstttstarfandi nF einstaklinga,enheimildinmunaW;breyttufallargildiumnsturam;t.SamhliWaYessu 9 ersbreytinglgWtilaWstarfshlutfalllaunaf;lksverWiaWskerWastum30%hiWminnsta  staW20%WursvoaWhlutaWeigandigetittrtthlutfallslegumgreiWslum.GangiYessar  tvrbreytingarvarWandihlutaatvinnuleysisbtureftirmtlaaWtgjldAtvinnuleysis r tryggingasj;WsgetilkkaWumsamtals470m.kr.nstarifrYvsemreiknaWvarmeW e= fjrlagafrumvarpifyrirriW2011.VerWiYeimtmamrkumhinnb;ginnframlengtafturtil 0 rsloka,lktoggertvarr,verWursparnaWurinneinungis170m.kr.    XerfrumvarpinulagttilaWlgumummlefnialdraWraverWibreyttYleiWaWFram  kvmdasj;WialdraWraverWiheimiltaWrWstafafrsj;Wnumtilreksturshjkrunarheimila i rinu2011.0gildandilgumersj;WnumheimiltaWveitaftilrekstursrunum2012og \4 2013.Sj;WurinnmunengusWurhafaframumtalsvertfjrmagntilendurb;ta-ogviWhalds ' verkefnaeinsoghonumertlaWaWsinnasamkvmtgildandilgum.TillaganerliWur  heildarendurskoWunformumumaWhaldsmarkmiWheilbrigWis-ogldrunarYj;nustuog  erekkigertrWfyriraWkvWiWmunihafahrifafkomurkissj;Ws. `    VerWifrumvarpiWlgfest;breyttmYvtlaaWafkomarkissj;Wsmuniversnasamtals S+! um170m.kr.vegnahrritgjaldaAtvinnuleysistryggingasj;Ws.0frumvarpitilfjrlaga2011 " hefurYegarveriWgertrWfyrir500m.kr.sparnaWihjsj;Wnumogerubreytingarreglum # umhlutaatvinnuleysisb;tumtlaWartilaWmtaYvmarkmiWiaWmestu.MiWaWviWform  $ fjrlagafrumvarpsinsaukasttgjldinYvum670m.kr.GerterrWfyriraWfluttarverWi !W% tillgurumbreytingartlunumtgjldAtvinnuleysistryggingasj;WsviW2.umrWufjr J""& lagafrumvarpsins. #'