WPC( OnSnK]cIA 9Mik8SNc8N9s_KVP.[JW(b,v+ X3xKaẟ< e5CM{ x}2hm㟻`+q+Np!^WkϹV9W1ɤª{ClRb~;1]YK8X\9GQ^0 *>O{i*΍qև>ɑŜ,hXo ޟH>40eFĮp?Ag cAşWUOIܑ xl-#9犌Kꊫ>!Q6d  Xx)do$ٸFU0, VyzZbJE1}Hjnѐѻ/~[ppMpUV+!fA|oqƂUN" %p 04v #(s 4 m>w&^ *46JJJJJJJYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYNaaaaa 1cc 0Q 0QEE 0] 0u 0wh h 0 0|!|! 1uA"A"Y"" B%%%%6,%,%,%,%,%,%,%,%,%,%,%,% 72b&b&/&& 1&&&&&&&&&&&&&&&&&&&&&U:d'd'd'd'M''''V'&d9 Z6Times New Roman RegularX( Z$ IS , .\R6&A4\XħXXXTRW<6&A4W<6&A4 6&A4 6&A4T ? XXħ0?vvbX0#ggdd  8dXXd8ISUS.,    Adobe PDFyy0 W:\WP2000\SKJRI~IZ.WPTUW:\WP2000\SkjritunY2k-nytt.wpt\Z)@ *>rirs?g3|x ikmo %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.()3:$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXgXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? FXXg0?vvbX0#ggdd  8dXXd8ISIS,.     ()3:$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXgXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? FXXg0?vvbX0#ggdd  8dXXd8ISIS,.     (53'$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXgXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? FXXg0?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) O a:'ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.   _>? _#[#_?_  2d XXd2 #XX#_ d , g'+ISUS.,,,..XXXX? XX0?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.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.   _>? Ҁ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A43'LetterTXXXXTRW6&A4W6&A4 6&A4 6&A4T ? XX0?vvbX0#ggdd  8dd8ISIS,.     _ >?  _ikmo(%03qs 9140.lggjafarYing2011!2012. ( Xingskjal646"208.ml.     _2@"Svar# _2#     efnahags-ogviWskiptarWherra(P)viWfyrirspurnLiljuM;sesd;ttur   umuppskiptingueignagmlubankanna.  X    RWuneytiW;skaWieftirYvaWFjrmlaeftirlitiWtkisamansvrviWfyrirspurninniog    svrYessfylgjahreftir.0upphafisvarbrfssnstekurFjrmlaeftirlitiWframaWstofnunin    leitistviWaWsvaraspurningunumeftirYvsemupplUsingarsemhnbUryfirgefafri.X   tekurstofnuninframaWeinhverjumtilvikumsumaWrWamlefnisemekkierforrWi wO  stofnunarinnaraWskerarumeWahafaumsj;nmeWogvsarstofnuninYarsrstaklegatil B  lokaspurningarinnar.    "i0J"  i0J 2%  1  .3  Ԉ0    VoruendanlegarkvarWanirumyfirfrslueignafrgmlubnkunumYremurtilhinna {  nUjukjlfaryfirtkuFjrmlaeftirlitsinsokt;ber2008teknarnfyrirvara?Efekki, nF hverjirvoruYeirfyrirvarar?i0J ݌9 Ќ    Nei.0kvrWunumFjrmlaeftirlitsinssegir:    ?kvrWunYessibyggirfyrirliggjandiupplUsingumogggnum.ReynisthnbyggW  ;fullngjandieWarngumupplUsingumummlsatvik,forsendurkvrWunarinnarbregWast r verulegaeWaFjrmlaeftirlitiWteluraWnnurskipanmlasnauWsynleggeturFjrmlaeftir e= litiWgerthverskonarbreytingarkvrWunYessari,Y.m.t.aWfellahanargildiheildeWa 0 aWhluta.     FjrmlaeftirlitiWbendiraWallarkvarWanirstofnunarinnarumrWstfuneignaogskulda  fjrmlafyrirtkjagrundvelli100.gr.algumumfjrmlafyrirtki,nr.161/2002,sbr. i 5.gr.lagaumheimildtilfjrveitingarrrkissj;WivegnasrstakraaWstWnafjrmlamark \4 aWio.fl.,nr.125/2008,sbr.nkvWitilbrWabirgWaVIlgumumfjrmlafyrirtki,nr. ' 161/2002,erubirtarheimasWustofnunarinnar,www.fme.is,ogeruYvopinberggn.  "i0J"  i0JX2%  2  .3  Ԉ0    VoruveWsetttlnogtlnsemheyrWuundirreglurumsrtryggWskuldabrffluttyfir `  nUjubankanandvertviWYaWsemstaWlaWarforsendurFjrmlaeftirlitsinsgerWurW S+! fyrireinsogYeimerlUstskUrslufjrmlarWherraumendurreisnviWskiptabankanna? " Efekki,forrWihverserulninoghafaveriW?i0JX݌# Ќ    HvaWYettaatriWivarWarerYaWbentaWsamkvmtkvrWunumFjrmlaeftirlitsinsvar  $ tilteknumeignumogskuldumgmlubankannarWstafaWtilnUrrabankahaustiW2008.Xr !W% eignirogskuldirsemekkivarrWstafaWtilnUjubankannaliggjaennhjgmlubnkunum J""& ogeruforrrWiYeirra.UpplUsingarumhvaWaeignumogskuldumvarrWstafaWtilnUju #' bankannaeraWfinnakvrWunumFjrmlaeftirlitsinsogforsendumfyrirskiptinguefna #( hagsreikningsbankanna.UmrddggnerubirtheimasWustofnunarinnar.Hafaberhuga $ ) aWsrtryggWskuldabrfskilningingildandilaga,nr.11/2008,voruekkitilstaWarhaustiW v%N!* 2008. A&"+    '", 9 y_   &   "i0J"  i0J2%  3  .3  Ԉ0    HafanUjubankarnirmeWhliWsj;nafreglumskuldabrfa-ogkrfurttarinsformlega ( lglegaheimildtilaWinnheimtaumrddln?Efekki,erskuldurumYheimiltaWsynja  YeimumgreiWslulnanna?i0J&݌ Ќ    FjrmlaeftirlitiWbendiraWmeWkvrWunumstofnunarinnarokt;ber2008vorutiltekn a areignirogskuldirgmlubankanna'(ԀfluttaryfirtilhinnanUjubankagrundvellisrstakrar T, heimildar100.gr.alaganr.161/2002,umfjrmlafyrirtki,sbr.5.gr.laganr.125/2008,  umheimildtilfjrveitingarrrkissj;WivegnasrstakraaWstWnafjrmlamarkaWio.fl.,  sbr.nkvWitilbrWabirgWaVIlgumumfjrmlafyrirtki,nr.161/2002.0framhaldinu   f;rframuppgjrYarsemmismunurvirWieignaogskuldavargreiddurmeWtgfufjrmla  X gernings. K #  "i0J"  i0J2%  4  .3  Ԉ0    HefuryfirlUsinguFjrmlaeftirlitsinsumuppskiptingueignagmluognUjubankanna    veriWYinglUstfasteignirsemstandatiltryggingarumrddumlnum?Efsvoer,   hverjarerustWurYinglUsingaroghvaWaYUWinguhefurhn?i0J-݌wO  Ќ  "i0J"  i0J2%  5  .3  Ԉ0    HefuryfirfrslaeignafrgmlubnkunumtilhinnanUjuleitttilm;tbrumississkuld B  araogrttindamissisYriWjaaWila?Efsvoer,hvaWatilvikum?i0J<݌   Ќ    EkkibrustsvrviW4.og5.liWfyrirspurnarinnarfrFjrmlaeftirlitinu,sbr.YaWsem   segirupphafiYessasvars. {    0svariviWfyrirspurnYingmannsinsumyfirfrslulnasamningafrgmlufjrmlafyrir nF tkjunum,64.mli,hefurYegarveriWsvaraWfyrirspurnumYinglUsingarogrttlntaka 9 gagnvartfjrmlafyrirtkjumsemyfirtekiWhafalnasamninga.0svarinukemurm.a.fram  aWkvrWunumFjrmlaeftirlitsinserutaldiruppYeiraWilarsemfaliWvaraWskreWayfir  frarttindiog/eWaeignarheimildirtilnUjubankanna,m.a.YinglUsingarstj;rarsamkvmt r kvWumYinglUsingalaga,nr.39/1978. e=   XkemureinnigframsvarinuaWkvrWunumFjrmlaeftirlitsinsskveWiWumaW 0 greiWslustaWaskuldaskjalaskulimiWastviWYaWtmamarkYegarhinnnUibankit;kyfirstarf  seminaogaWgreiWslustaWurskuldaskjalateljistverahjsamsvaranditibinUjabankans.  XertekiWframaWvxlarteljistrttsUndirtilgreiWsluhjnUjabankanum.MeWvsantil i YessahafakvarWanirFjrmlaeftirlitsinsekkihrifheimildirskuldaratilaWberafyrirsig \4 m;tbrurogrttindiYriWjaaWila,sbr.ogalmennarreglursamninga-ogkrfurttar.Xessir ' aWilareigaYvsamarttgagnvartnUjubnkunumogYeimgmlu.