WPCi2 [!|Fխ.;F27[^S-K$i~szn|Y2/6 Gn+ur) 69i:0!X BS3/ů)!Vq$r N~ ^Ou?{`ktQs*\-s2]SgKǷ0PjI\95>;n}ӃυdH*0qRbY{֤g?Ȳ1.B;J7\C9a.^+'ʱa̡fq̢FD]SxQeTBi"3nzC}v`B/:cz?[S|sk\Mڜ'x\xAeBOjO{;R'd@\K "V'?H8eL/! zOG-sgjde iQ]=&;1<.;}"hSѭUN" %p 04v # Js^ m4w@L^ 4(VUNOVV UN_UUNVPUNVUNJUUNN;;;;; 1== 0Q 0Q## 0]p'p' 0u++ 0wB,B, 0 ,, 0V-V- 1u..U.. B//////////////// 720000 1404040404040404040404040404040404040404040U:0000M1111V1&d9 Z6Times New Roman RegularX( Z$ IS , .\R6&A4\XħXXXTRW<6&A4W<6&A4 6&A4 6&A4T ? XXħ0?vvbX0#ggdd  8dXXd8ISUS.,    \\BESTLA\Austurstr 10A 3h lp410H:\COREL~X%\template\SKJRI~-O.WPTH:\Corel User Files\template\skjritun04-05.wptU ma.kr EMEU,/ . Q}B BΌ|)<?3|x     L e)ISUS.,,,..XhXXX? JXXh0?vvbX0#ggdd  ISIS,.   _>? Ҁ&d9 Z6Times New Roman Regular L e)ISUS.,,,..XhXXX? JXXh0?vvbX0#ggdd  ISIS,.   _>? Ҁ    L e)ISUS.,,,..XhXXX? JXXh0?vvbX0#ggdd  ISIS,.   _>? Ҁ&d9 Z6Times New Roman Regular K a'ISUS.,,,..XhXXX? JXXh0?vvbX0#ggdd  ISIS,.   _>? &d9 Z6Times New Roman Regular L e)ISUS.,,,..XhXXX? JXXh0?vvbX0#ggdd  ISIS,.   _>? Ҁ&d9 Z6Times New Roman Regular L e)ISUS.,,,..XhXXX? JXXh0?vvbX0#ggdd  ISIS,.   _>? Ҁ&d9 Z6Times New Roman Regular K a'ISUS.,,,..XhXXX? JXXh0?vvbX0#ggdd  ISIS,.   _>? &d9 Z6Times New Roman Regularikmo %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.()3$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXhXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? JXXh0?vvbX0#ggdd  8Jdd8ISIS,.     ()3$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXhXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? JXXh0?vvbX0#ggdd  8Jdd8ISIS,.     (53$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXhXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? JXXh0?vvbX0#ggdd  8Jdd8ISIS,.      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(#(#3#37=CIQYag1.a.i.(1)(a)(i)1)a) K a'ISUS.,,,..XhXXX? JXXh0?vvbX0#ggdd  ISIS,.   _>?  dqi) gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)4cp Z "Times Regular L e)ISUS.,,,..XhXXX? JXXh0?vvbX0#ggdd  ISIS,.   _>? Ҁ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXhXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? JXXh0?vvbX0#ggdd  8Jdd8ISIS,.     _ s       >?  _ikmo(%03q   fb141.lggjafarYing2012!2013. ( Xingskjal647"505.ml.     uJ@U U   lit_fjrlaganefndar_   #J u#  umskUrslu_RkisendurskoWunar_ԀumendurskoWun_rkisreiknings_Ԁ2010.      FjrlaganefndAlYingishefurhaftskUrslu_RkisendurskoWunar_ԀumendurskoWun_rkis K #  reiknings_Ԁ2010tilumfjllunarogfengiWsinnfundSveinArason_rkisendurskoWanda_,Inga    K.Magnsson_sviWsstj;ra_ԀogJ;nL.Bjrnssonskrifstofustj;rahjRkisendurskoWun,X;rhall    Arasonskrifstofustj;rafjrmla-og_efnahagsrWuneytinu_Ԁog_IngY;r_ԀKarlEirkssonsrfrW   ingrsamarWuneyti.AukYess;skaWinefndineftirskriflegumskUringumUmsumbend wO  ingumogathugasemdum_RkisendurskoWunar_ԀsemframkomaskUrslunniogritaWieftirtld B  umaWilumbrf:RkisendurskoWun,rkisskattstj;ra,tollstj;ranumReykjavk,0bWalna    sj;Wi,FjrsUslurkisins,ByggWastofnunog_velferWarrWuneyti_.     0liti_fjrlaganefndar_ԀvegnaendurskoWunar_rkisreiknings_Ԁ2009varskvrWuntekinaW {  fjrlaganefndskyldiframvegisfjallatarlegarenWurum_rkisreikning_Ԁhversrsogskila nF AlYinginiWurstWuformiskUrslusemtekinyrWitilumrWuYinginu.Tilgangurinner 9 tvYttur:  "i0J"  i0J)2%  1  .3  Ԉ0    AWdragaframhelstuathugasemdir_RkisendurskoWunar_Ԁrkisreikningirsins2010,lit  _fjrlaganefndar_ԀYeimoggeraformlegartillgurtilrb;ta.i0J)V݌r Ќ  "i0J"  i0J2%  2  .3  Ԉ0    AWhvetjatilumrWnaumeftirlitogframkvmdfjrlagameWYaWaWmarkmiWiaWleggja e= grunnaWbetriog_agaWri_Ԁstj;rn_rkisfjrmla_.i0J'݌0 Ќ  Fjrlg,_fjraukalg_Ԁog_lokafjrlg_.     XrttfyrirgildistkulagaumfjrreiWurrkisins1997hefurfjrmla-ogefnahagsrWu i neytiWaldreilagtfram_rkisreikning_Ԁog_lokafjrlg_ԀsamhliWaeinsoglgingerarWfyrir. \4 Frumvarptil_lokafjrlaga_ԀfyrirriW2010varekkifremurennnurfrumvrptil_lokafjrlaga_ ' liWnumrumlagtframsamhliWarkisreikningi._Rkisreikningur_ԀvarlagWurframjn2011  ogfrumvarptil_lokafjrlaga_Ԁvarlagtfram20.okt;ber2011oghefuraldreiveriWjafnsnemma  ferWinni. `    LgWhefurveriWrkherslaaWallar_fyrirsjanlegar_Ԁ_fjrrWstafanir_Ԁkmuframfjr S+! lgum.0_fjraukalgum_Ԁfyrirhvert_fjrhagsr_ԀvrisWanfjallaWumYr_fjrrWstafanir_Ԁsem " ekkihefWiveriWhgtaWsjfyrirviWafgreiWslufjrlaga._Fjraukalg_ԀskyldusamkvmtYessu # fyrstogfremstsnastum;frvkjanlegmlefniog_;fyrirsW_ԀtgjldensWurum_rekstrar  $ vanda_Ԁeinstakrarkisstofnana.AWrar_fjrhagsrWstafanir_ԀttueftiratvikumaWkomatilum !W% fjllunarviWafgreiWslufjrlagafyrirnsta_fjrhagsr_ԀeWaviWafgreiWslu_lokafjrlaga_ԀfyrirsW J""& asta_fjrhagsr_.FjrlaganefndleggurmiklahersluaWYessummlumverWikomiWviW #' unandilageinsflj;ttogauWiWer. #(   Samkvmt45.gr.fjrreiWulagaskalfylgjarkisreikningifrumvarptil_lokafjrlaga_Ԁhonum $ ) tilstaWfestingar.XarskalleitaWheimildatil_uppgjrs_ԀskuldumeWa;notuWumfjrveitingum v%N!* semekkierufluttarmillira.JafnframtskalleggjaframsrstakaskrsamtskUringumyfir A&"+ geymdarfjrheimildirogumYaWilasemhafafariWframr_fjrheimildum_Ԁrsins.Heimilt  '", eraWgreiWaslka_umfram&  greiWslu_Ԁaffjrveitingunstars.EinnigskalgerWgreinfyrir_;nUtt '#- um_Ԁ_lntkuheimildum_Ԁli''XWinsrs. (z$. _  XaWerlitfjrlaganefndaraWvinnubrgWviWframkvmdfjrlaga,Y.m.t.uppgjrogreikn - ingsskil,hafimttverabetriundanfarinrogtrekarnefndinkrfurumbreytingareinsog  litinefndarinnar2009.TakaverWikveWinskrefYttaWbtaverklagYannigaWtryggt  verWiaWhelstuannmarkarsemkomiWhafalj;sviWframkvmdinaverWisniWniraf.0Yessu a sambandiberaWgetaYessaWfjrmla-ogefnahagsrWuneytiWvinnurnaWgerWfrumvarps Y, umfjrreiWurrkisinssemtlaWeraWfraYessimltilbetrivegar. $  MiWlginnriendurskoWunardeild.      ReifaWarhafaveriWhugmyndirumaWkomaf;tmiWlgriinnriendurskoWunardeild  X vegumframkvmdarvaldsins.HlutverkhennaryrWim.a.aWannastinnriendurskoWunstofn P #  anasemeruoflitlartilaWsinnaYvhlutverki,samrmaogstyWjaviWverklaginnriendur    skoWunardeildasemYegarerustarfandiogtryggjavirkniinnraeftirlitsrkiskerfinu.Auk    YessgtihnsinntsrstkumverkefnumfyrireinstkrWuneytieWastj;rnkerfiWheild.AW   matifjrlaganefndarerfullstWatilaWfjrmla-ogefnahagsrWuneytikannihvortslkdeild |O  skapiaWhaldogreglufestuinnanstj;rnkerfisins. G   MarkaWartekjur.      Fjrmla-ogefnahagsrWuneytiWhefurfylgtYeirristefnuseinnitWaWaukaekkivgi {  markaWrateknafjrmgnuntgjaldameWYaWaWmarkmiWiaWtryggjabeturfjrstj;rnarvald sF AlYingis,styrkjafjrmlastj;rnrkisinsogstemmastiguviWsjlfvirknitgjalda.Xrttfyrir > YaWeruennlgWframstj;rnar-ogYingmannafrumvrpsemkveWaummrkuntekna.   MikilvgteraWrWuneytiogalYingismenngerisrlj;staWmarkaWartekjurdragarfjr  stj;rnarvaldiAlYingis.Fjrlaganefndogfjrmla-ogefnahagsrWuneytivinnanaWgerW r frumvarpsumaWmarkaWartekjurverWilagWarafeinsrkummliogunnter.Fjrlaganefnd j= hyggstflytjafrumvarpiWyfirstandandiYingi. 5  UmskUrsluna.     HrverWurfariWyfirYrathugasemdirsemnefndinhefursentviWeigandiaWilumsamt i viWbrgWumnefndarinnarviWsvrunum. a4 ! !"i0J"  i0J+2%  1  .3  Ԉ0    Gjaldfrslaeiginfjrframlagitil0bWalnasj;Ws.Eignfrslaeiginfjrframlagitil  ByggWastofnunar.i0J+5+݌ Ќ    Eiginfjrframlagrkissj;Wstil0bWalnasj;WsvargjaldfrtrkisreikningivegnastWu `  sj;WsinsenRkisendurskoWunteluraWhiWsamahefWittaWgeraviWframlagtilByggWastofn X+! unarsemvareignfrt. #"   Fjrmla-ogefnahagsrWuneytiWogFjrsUslarkisinserusammlabendingunni,en # bendaaWhennivarekkikomiWframfriafhlfuRkisendurskoWunarfyrreneftiraWrkis  $ reikningurvargefinnt.VoruYvrWuneytiW,FjrsUslanogRkisendurskoWunsammlaum !W% aWleiWrttaYettarkisreikningi2011ogaWeignfrslarkissj;WsyrWisamrmdviWendan O""& legaeiginfjrstWuByggWastofnunar.Fjrlaganefndtelur;heppilegtaWjafnviWamikilathuga #' semdoghrumrWirberistFjrsUslunniekkifyrrenendurskoWaWurrkisreikningurhefur #( veriWgefinntogteluraWrYvYurfiaWbtaframtWinni.NefndintelureinnigeWlilegtaW $ ) stofnanirnaryfirfarisnarsamskiptareglurtengslumviWrkisreikningtilaWtryggjaaW {%N!* mikilvgarbendingarskilisrrkisreikning.Jafnframts;heppilegtaWrWuneytiWog F&"+ FjrsUslangtiYessekkiviWfrgangrkisreikningsaWsamrmisjafnst;rumfrslumog '", hrumrWir.0lj;siallsYessaleggurfjrlaganefndhersluaWendurskoWunarskUrslarkis '#- reikningsverWilgWframumleiWogrkisreikningurinn. -   MeWfjraukalgumfyrirriW2009ogfjrlgumfyrirriW2010kvaWAlYingiaWauka  eigiWfByggWastofnunarumsamtalstpa4milljarWakr.XessieiginfjrframlgmiWuWuaW  YvaWbtaeiginfjrhlutfallstofnunarinnarYannigaWYaWyrWibilinu9!10%rslok2010 a oggerastofnuninniYarmeWgertkleiftaWstarfameWeWlilegumhtti.0rslok2010vareigiW Y, fstofnunarinnarsamkvmtefnahagsreikningineikvttum498millj.kr.ogeiginfjrhlutfall $ samkvmtlgumumfjrmlafyrirtkivarneikvttum2,4%.Fjrlaganefnd;skaWiskUringa  YvhversvegnaekkilgufyrirupplUsingarviWafgreiWslufjrlagaumYaWaWstaWYessaW   eiginfjrhlutfalliWyrWijkvttum9!10%yrWiYaWneikvttum2,4%.  X   Fjrmla-ogefnahagsrWuneytiWbendiraWmiWaWviWfyrirliggjandiupplUsingarhafiekki P #  veriWstWatilannarsenaWeignfraumrddarfrslurhjrkissj;WimiWjuri2010og    erfjrlaganefndsammlaYv.ViWfrgangrkisreikningshefWiaWmatifjrlaganefndarttaW    lagab;kfrWaeignrkissj;WsByggWastofnunaWb;kfrWrieiginfjrstWusamkvmt   rsreikningistofnunarinnar.XaWvarekkigertenverWurleiWrttviWfrgangrkisreiknings |O  fyrirriW2011.FjrlaganefndteluraWinnraeftirlitrkisinshefWittaWsjtilYessaWfyrr G  greint;samrmiyrWileiWrttWurenrkisreikningurvargefinnt.AfgreiWslamlsinsbendi   tilveikleikainnraeftirlitiogfrgangirkisreikningssemfjrmla-ogefnahagsrWuneytiW   verWiaWbregWastviW. {    Fjrmla-ogefnahagsrWuneytiWteluraWfrslutengslumviWframlagrkissj;Wstil sF 0bWalnasj;WshafiboriWaWmeWalltWrumhttitmalegusamhengi.AlYingihafiafgreitt > eiginfjrframlagaWfjrhW33milljarWarkr.viWafgreiWslufjraukalagafyrirriW2010um   miWjandesember2010.0byrjunaprl2011hafirsreikningursj;WsinsboristtilFjrsUslunnar  eWaumsamaleytioggengiWvarfrb;kunframlagsinstilsj;Wsins.Fjrlaganefndbendir r aW0bWalnasj;Wurogfjrmla-ogefnahagsrWuneytiWhefWumttveitanefndinninkvmari j= upplUsingarYegar;skaWvareftirYessumfjrheimildum.XrupplUsingarsemfyrirlgu 5 bentutilYessaWveriWvriaWstyrkjaeiginfjrstWunauppaWkveWnulgmarkiaWkrfu  Fjrmlaeftirlitsins.SvandierYvenn;leysturensamkvmtYeimupplUsingumsem0bWa  lnasj;WurveittinefndinniYegarfjrframlagiWvarsamYykkthefWihannttaWverar i sgunni.AukYessttiaWveratluvertborWfyrirbruYannigaWtilst;WaW0bWalnasj;Wur a4 YyrftiekkistraxlluframlaginuaWhalda. , "i0J"  i0JA2%  2  .3  Ԉ0    AfleiWusamningar0bWalnasj;Ws.i0JAB݌ Ќ    Rkissj;WurlagWi0bWalnasj;Witil33milljarWakr.framlagvegnabgrarfjrhagsstWu `  sj;WsinssemorWiWhefurfyrirmiklumtlnatpumsemogtapivegnaafleiWusamninga.Fjr X+! laganefndspurWifjrmla-ogefnahagsrWuneytiWhversvegna0bWalnasj;WurgerWi/geri #" afleiWusamningaoghvorthannhafitilYessheimildir. #   Fjrmla-ogefnahagsrWuneytiWvsaWiYessumspurningumtilvelferWarrWuneytisins.0  $ svarivelferWarrWuneytisinskomframaWmeWafleiWusamningumhafiveriWtlun0bWalna !W% sj;WsaWdragarvaxtahttukjlfarumtalsverWrauppgreiWslnaviWskiptavinalnum O""& sj;Wsins.AfleiWusamningarhafiveriWgerWirsamrmiviWhttu-ogfjrstUringarstefnu #' 0bWalnasj;Ws. #(   0svarivelferWarrWuneytisinskemureinnigframaWmeWbreytingulgumnr.44/1998, $ ) umhsnWisml,sbr.5.gr.laganr.57/2004,var0bWalnasj;WigertskyltaWkomaupp {%N!* httustUringarkerfiYvskyniaWhaldajafnvgimilliinn-ogtgreiWslnaoggeratlanir F&"+ Yarum.0reglugerWnr.544/2004umfjrhagoghttustUringu0bWalnasj;Wssegir2.gr. '", aWstj;rn0bWalnasj;WsskulisamYykkjastefnuna,Y.e.httustUringarstefnuna,ogstaWfesta '#- breytingarsemgerWareruhenniaWfenginniumsgnFjrmlaeftirlitsins.Jafnframtskuli - kynnaRkisbyrgWasj;Wiogfjrmla-ogefnahagsrWuneytifyrirhugaWarbreytingar.0reglu  gerWinnierYannigekkigertrWfyriraWaflaYurfiheimildarfjrmla-ogefnahagsrWuneytis  fjr-oghttustUringarstefnu0bWalnasj;WseWaeinstkumaWgerWumhennitengdum. a 0bWalnasj;Wihefurhinnb;ginnboriWaWkynnafjrmla-ogefnahagsrWuneytinustefn Y, una. $   0skUrsluRkisendurskoWunarfrn;vember2005umaWdragandaoggerWlnasamninga  0bWalnasj;WsviWfjrmlastofnanirvegnahttustUringarsegirbls.29:     ?Samkvmt3.mgr.2.gr.reglugerWarnr.544/2004ermeWskUrumhttimltfyrirum  X hvernigstandaskuliaWbreytingumhttustUringarstefnusj;Wsins.XarsegiraWstj;rn P #  0bWalnasj;WsskulisamYykkjastefnunaogstaWfestabreytingar,semhennierugerWar,aW    fenginniumsgnFjrmlaeftirlitsins.JafnframtskalkynnaRkisbyrgWasj;Wiogfjrmla    rWuneytifyrirhugaWarbreytingar. AfYessumrWaaWbeinlnisergertrWfyriraWleitaW   sumsagnarogstefnankynntWurenhennierhrintframkvmd.FyrirligguraWsj;Wurinn |O  sinntiekkiYessarilagaskyldusinnifyrrenu.Y.b.hlfurieftiraWbreytingunnistefnunni G  varhrintframkvmdlokdesember2004.XannighefurRkisbyrgWasj;Wurt.d.ennuppi   kveWnarefasemdirYessuefni,sbr.brfhansfr3.okt;ber2005.0Yvbrfisj;Wsinssegir:   ?AWmatiRkisbyrgWasj;WsskortirYvennlagaheimildfyrirumrddumlnssamningum.  {  bls.29WurnefndriskUrsluRkisendurskoWunarsegirennfremur:?XverWurbrfFjr sF mlaeftirlitsinsfr10.maog22.jnsl.ekkitlkaWannanhttenYannaWlagagrundvllur > aWgerWannahafia.m.k.Y;tt;lj;sYeimtmaeWahannhafiYaWminnstaekkiveriWkann   aWurngilega. X;aWrkstWastilmunfjrlaganefndaWYessusinniekkifjallannarum  YettamlYarsemmlefni0bWalnasj;Wserutilranns;knarafhlfuAlYingis. r "i0J"  i0J U2%  3  .3  Ԉ0    AWgerWirtilaWeiginfjrhlutfall0bWalnasj;WsverWisamrmiviWreglurFjrmla 5 eftirlitsins.i0J U9U݌ Ќ    Eiginfjrhlutfall0bWalnasj;Wsvar2,2%rslok2010samanboriWviW3%lokrs2009.  LangtmamarkmiWsj;WsinseraWhlutfalliWsyfir5%.07.gr.reglugerWarnr.544/2004segir: i ?0bWalnasj;WurskalhafasemlangtmamarkmiWaWhaldaeiginfjrhlutfallisj;Wsinsyfir5%, a4 miWaWviWreglurFjrmlaeftirlitsinsumeigiWfogeiginfjrhlutfallfjrmlafyrirtkja,tilaW , tryggjaaWsj;Wurinngetimttskuldbindingumsnum.     Fjrlaganefndhefuroftsinnishaftmlefni0bWalnasj;WstilmeWferWarundanfrnum  rumoghafthyggjurafstWusj;Wsins.NeraWstrfumstarfsh;pursemmunskilaniWur `  stWufyrirmiWjann;vembernk.ummeWhvaWahttiunnteraWtakavandasj;Wsinstil X+! framtWarlitiW.FjrlaganefndbWurniWurstWuh;psins. #" "i0J"  i0JZ2%  4  .3  Ԉ0    BreytingarrsreikningalgumhafaekkiallarskilaWsrreikningshaldirkisaWila.i0JZ[݌ $ Ќ    RkisendurskoWunteluraWbreytingarrsreikningalgumhafiekkiallarskilaWsrreikn !W% ingshaldirkisaWilaenstofnunintelurbrUntaWsvoverWi. O""&   FjrsUslanteluraWathugasemdRkisendurskoWunarsummargt;lj;senaWreikningshald #' rkissj;WsmiWistviWstaWlaYegarstofnuWeruhlutaflgeWabyggWsjkrahseWavegir.X #( megigerarWfyriraWreglursemtengjastverWbreytingafrsluverWiendurskoWaWarviW $ ) endurskoWunfjrreiWulaga.RkisendurskoWungerWinnarigreinfyrirathugasemdinnibrfi {%N!* tilfjrlaganefndardags.30.mars2012.BerYarhelstaWnefnaaWYrttfyriraWverWb;lgu F&"+ reikningsskilhafiveriWafnuminerulangtmalnoglangtmaskuldirfrWuppgegnum '", endurmatsreikningmeWaleiginfjrreikningastaWrekstrarreiknings.rsreikningsformsem '#- FjrsUslannotarvegnaA-hlutastofnanauppfyllirekkikrfurrsreikningalaganna,hefWbund - innsamstWureikningurerekkigerWursamrmiviWrsreikningalgoghlutdeildA-hluta  rkisinsafkomuhlutaflagaogannarraflagaog&  ԀfyrirtkjasemYaWhluterekkifrWur  rekstrarreikningA-hlutarkissj;WsogYarmeWe'aignarhlutdeildeiginfsamaaWila. a   FjrlaganefndteluraWfraYurfireikningsskilrkisinstilbetrivegar.:frteraWmati Y, nefndarinnaraWdeilursumilliRkisendurskoWunarogFjrsUslunnarumaWbreytingar $ rsreikningalgumskilisrekkib;khaldrkisaWila.XhefWiveriWheppilegraaWgreinar  g;WarupplUsingarumathugasemdRkisendurskoWunarhefWulegiWfyrirhjFjrsUslunniYar   semhntaldihana;skUra,semundirstrikarmikilvgiYessaWskUrslaRkisendurskoWunar  X vegnarkisreikningsliggifyrirviWtgfurkisreikningshverjusinni. P #  "i0J"  i0Je2%  5  .3  Ԉ0    InnheimtaskuldabrfavrsluXr;unarflagsKeflavkurflugvallar.i0Jee݌   Ќ    SkuldabrfvrsluoginnheimtuXr;unarflagsKeflavkurflugvallarupp9milljarWakr.   hafaekkiveriWskrWlnakerfirkisins.Fjrlaganefnd;skaWieftirupplUsingumumstWu |O  innheimtunnar,hvortlninvruskilumogtilhvaWaaWgerWahefWiveriWgripiWtilaWtryggja G  eignirrkisins.HeildarfjrhWYeirrasamningasemXr;unarflagiWhefurgertnemur14,5   milljrWumkr.oghafa5,8milljarWarkr.veriWgreiddir.:greiddireru8,7milljarWarkr.og   afYveru;gjaldfallnarafborganir3,8milljarWarkr.EkkieruYvlllnskilumogmunar {  YarmestumskuldabrfHsk;lavallaaWfjrhW4,7milljarWarkr.Btistandandikaupsamn sF ingsgreiWslurfrHsk;lavllumogd;tturflgumerunsamningsferlisamfarafjrhags > legriendurskipulagningusemunniWeraWsamrWiviWXr;unarflagiW.MarkmiWviWrWna   eraWtryggjahagsmunirkisinsenveWerYeimeignumsemseldarvoru.Fjrlaganefndmun  ;skaeftirYvaWfupplUsingarumframvindumlsinsogaWfjrmla-ogefnahagsrWuneytiW r metilkurYvaWsamningsaWiligetistaWiWviWgreiWslurkaupverWsYegardrgaWsamning j= umliggjafyrir. 5 "i0J"  i0Jl2%  6  .3  Ԉ0    tlanirvirWisaukaskattia.m.k.10rogeinstaklingarennmeWvirkvirWisaukaskatts  nmer.i0Jlm݌i Ќ    Allshefur31einstaklingurmeWreksturstttluna.m.k.10rognemaYrtpum2 a4 milljrWumkr.AfYeimvoru28einstaklingarmeWvirkvirWisaukaskattsnmerrsbyrjun , 2011,Yarafeinn,samkvmtupplUsingumfrinnheimtumanni,semhttistarfsemiriW  2005.rangurslaustfjrnmhefurveriWgerthjllumYessumaWilumog58%Yeirrahafa  veriWteknirtilgjaldYrotaskipta.HrYarf,aWmatiRkisendurskoWunar,aWgrpatilaWgerWa `  tilaWkomavegfyriraWslkmlgetihaldiWfram. X+!   Rkisskattstj;rivinnurmarkvisstaWYvaWfkkaYessumaWilumogseturforgangY #" aWilasemgreinilegavaldarkissj;Wimestutj;ni.EigiaWsWurtelurRkisendurskoWunekki # n;gaWgertogtekurfjrlaganefndundirmeWstofnuninnioghveturrkisskattstj;ratilaW  $ gangafrYessumgmlumlumsemfyrst.Fjrmla-ogefnahagsrWuneytiWtekureinnig !W% undirYskoWunaWgrpaYurfitilaWgerWaeinsflj;ttoghgtertilaWspornaviWYessari O""& Yr;un.RWuneytiWhefurYegarrttviWtollstj;ra,innheimtumannrkissj;Ws,ogsmuleiWis #' rkisskattstj;raogeruaWilarsammlaumaWgerasrstakttaktilaWvarnaYvaWslkt #( endurtakisig.Fjrlaganefnd;skareftiraWupplUsingarumniWurstWurtaksinsverWisendar $ ) nefndinnisemfyrst. {%N!*   F&"+ "i0J"  i0Jyu2%  7  .3  Ԉ0    SalaSementsverksmiWjunnih& a  f.i0Jyuu݌- Ќ    SementsverksmiWjanhf.varseld0slenskusementiehf.2.okt;ber2003.KaupverWiWvar  hinsvegaraldreiinntafhendi'a-5voggagnrUndiRkisendurskoWunhvernighaldiWvarYessum  mlumafhlfufjrmla-ogefnahagsrWuneytisogeftirlitsstofnanasemkomuaWmlinu.Um a mittr2011varstaWfesturnauWasamningurfyrir0slensktsementehf.,Yarsemkrfuhfum Y, varboWiWaWgreiddyrWu9,78%afkrfuminnantveggjaviknafrstaWfestingunauWa $ samningseWagreiddyrWu19,23%afkrfummeWtgfuskuldabrfstil15ra.Rkissj;Wur  valdifyrrikostinnogvorutpar12millj.kr.greiddarrkissj;Wjl2011.     FramkvmdanefndumeinkavWinguog0slensktsementehf.semereiguFramtaks  X Fjrfestingarbankahf.,BMVallrehf.,NorcemASogBjrgunarehf.gerWusamkomulagum P #  kaupfjrfestannallumhlutabrfumSementsverksmiWjunnihf.Fjrfestarnirsemst;Wu    aWbaki0slenskusementiehf.voruvaldirrh;pifimmaWilasemskiluWuinntilboWumlok    mars2003.     ?InnsendtilboWvorumetinheildsttttfreinkunnagjfogviWrWumviWtilboWsgjafa |O  YarsemtekiWvartillittilverWs,hrifaslusamkeppnislenskumbyggingarmarkaWi,fjr G  hagslegsstyrksoglUsingarfjrmgnun,framtWarsUnarvarWandireksturfyrirtkisinsog   starfsmannaml,stj;rnunarlegrarreynsluogYekkingarYeimmarkaWisemverksmiWjan   starfar, segirfrttatilkynningufrframkvmdanefndumeinkavWingu. {    0tengslumviWslunat;krkissj;Wuryfirlfeyrisskuldbindingarogtilteknareignireigu sF SementsverksmiWjunnarhf.semtengjastekkirekstrihennar.SamkomulagiWvarritaWmeW > fyrirvaraumaWhgtyrWiaWuppfyllatiltekinskilyrWi.     Fjrlaganefnd;skaWinnariupplUsingafrfjrmla-ogefnahagsrWuneytiogRkisendur  skoWunumhvaWastWurstofnanirnartelduverafyrirYvaWinnheimtanendaWimeWYeim r httisemlUsterskUrslunni.0svarbrfiRkisendurskoWunarkemurfram,aWYaWhafitekiW j= ESAfimmraWgefalitslunniogSamkeppniseftirlitiWrviWb;ttilaWgefasittsam 5 Yykki.YessumtmaranntbankabyrgWfyrirgreiWslukaupverWsogkaupandinnvarkom  inngreiWsluYrot.0framhaldinuvarsamYykkturnauWasamningursemskilaWifyrrgreindri  fjrhWrkissj;W.VegnafyrirvarannavarkveWiWaWkaupverWyrWiekkigreittviWundir i ritunheldurmundiseljanditvegabankabyrgWfyrirallrifjrhWinnienvegnamistakaviW a4 skjalagerWvarbankabyrgWinekkihfW;tmabundineinsoggertvarrWfyrirslusamningi. ,   FjrlaganefndtelurskUringarfjrmla-ogefnahagsrWuneytisinsafdrifummlsins  ;fullngjandiYarseminnraeftirlitrkisinsttiaWsjtilYessaWkrfurnartpuWustekkiYrtt  fyrirYagnasemfyrirhendivoru.EinsogfyrrgreinirvorufjrhagslegasterkiraWilarvaldir `  tilkaupannaogYeirhefWuttaWverafrirumaWtvegaYrtryggingarsemruggarvoru X+! taldarogfjrmla-ogefnahagsrWuneytinubaraWsjtilYessaWverkferlarhlduYessumli #" lagi.FjrlaganefndbeinirYeimtilmlumtilrWuneytisinsaWmliWverWiafgreittinnanYess # meWtilhlUWilegumhttiogaWrWuneytiWfariyfirveikleikaverkferlumaukYessaW  $ endurskoWavinnubrgWogeftirlitmeWefnahagsreikningumsvoaWatburWirsemYessigeti !W% ekkiendurtekiWsig. O""&   Fjrlaganefnd;skareftiraWrWuneytiWskilifjrlaganefndskUrslueWatarleguminnisblaWi #' umferlislunnaroghvernigstaWiWvaraWinnheimtusluandvirWisinsfyrirlokdesembernk. #( grunniYeirrarskUrslumunfjrlaganefndgeratillguumfrekariskoWunmlinuefYrf $ ) er. {%N!*   F&"+ "i0J"  i0JF2%  8  .3  Ԉ0    HandbrtfstofnanaogviWskiptastaWaYeirraviWrkissj& a  ;W.i0JFv݌- Ќ    FlestarstofnanirnUtaeinhverskonargreiWsluYj;nustuhjrkissj;WiannaWhvortvegna  launagreiWslnaeWarekstrargjaldaeWahvorstveggja,bWi,Y;aWYrsujafn'a-'framtmeWeigin  fjrvrslu.0yfirliti5rkisreikningikemurframstaWahandbrufogviWskiptastaWastofn a anagagnvartrkissj;Wi.ViWskoWunyfirlitinukemurlj;saW12,5milljarWarkr.kmutil Y, lkkunarhandbrufefstofnanirgerWuuppskuldsnaviWrkissj;W.RkisendurskoWun $ telureWlilegtaWrkissj;WurkallieftirgreiWslumfrstofnunumYegarYreigangilegthand  brtftilgreiWsluskuldviWrkissj;W.FjrlaganefndhefurYegar;skaWeftirnnariskUr   ingumfjrmla-ogefnahagsrWuneytisinsYessumlisamtupplUsingumumhversvegna  X stofnanirnarskiliekkiYessuftilbaka.Fjrmla-ogefnahagsrWuneytiWbendiraWlang P #  mestmuniumYrjliWisemsulfeyristryggingarmeW12,2milljarWakr.viWskiptaskuldog    5,6milljarWakr.bankainnstWur,fWingarorlofmeW3,9milljarWakr.skuldog0,8milljarWa    kr.bankainnstWurogsjkratryggingarmeW6,2milljarWakr.skuldog4,8milljarWakr.   bankainnstWur.XessirliWireruvaxtajfnuWirkissj;WsogYveruvaxtatekjuraffrkis |O  sj;WsekkitekjufrWarhjYeim.Xhafifjrmla-ogefnahagsrWuneytiWunniWaWendur G  skoWunfyrirkomulaginutilaWbtaeftirfylgnimeWreglugerWumlns-ogreikningsviWskipti   rkisstofnanaogsniWurstWurYeirrivinnuaWvntanstunni.XarverWim.a.tekiW   YeimvandamlumsemRkisendurskoWunhefurlUst.Fjrlaganefnd;skareftiraWfniWur {  stWurYeirrarvinnusendarYegarhennierlokiW,enY;ekkisWarenlokdesember2012. sF "i0J"  i0J2%  9  .3  Ԉ0    SamrmiviWskiptastWuefnahagsreikningsrkissj;Wsogefnahagsreikningsstofnana   rkisins.i0J݌ Ќ    ViWendurskoWuninakomlj;saWnauWsynlegteraWtryggjabeturaWviWskiptastWur r stofnanasusamrmiviWviWskiptastWuYeirrasameiginlegumefnahagrkisins.Undan j= farinrhefurveriWnokkurmunurYessu.NokkuWerumviWskiptareikningasemekkihafa 5 hreyfstnokkurr.XarerumaWrWaviWskiptareikningasamtalsaWfjrhW491millj.kr.  semerueldrieneinsrs.ElstuviWskiptareikningarnirerufrrinu2003ogfyrrognemaYeir  nrri47millj.kr.GeramrWfyriraWhlutiafeldriviWskiptakrfumstapaWur. i   FjrlaganefndspurWiRkisendurskoWunhvortinnraeftirlitiogafstemmingummeWYessum a4 mlumvrib;tavantog;skaWiskUringaYvhversvegnastaWanvrikominYaWhorfsem , aWframanerlUst.RkisendurskoWuntaldiaWekkivrutilsamrmdarverklagsreglurum  hvernigstandaberiaWinnheimtuskammtmakrafnaogaWmrgumtilvikumhafienginnaWili  YaWhlutverkaWinnheimtakrfurnar.StofnunintelurYettafyrirkomulag;viWunandi.Xvar `  fjrmla-ogefnahagsrWuneytiWspurthverniginnraeftirlitiogafstemmingumvrihttaW X+! oghversvegnamliWvrikomiWYaWhorfsemRkisendurskoWunlUsti.Fjrmla-og #" efnahagsrWuneytiWminnirmikinnfjldarkisstofnanaogrWuneytaogYvkomihstaWa # viWskiptareikningumekki;vartogsuUmsarskUringarYvhversvegnahnhreyfist  $ ekkilengi.XfylgisteinntiltveirstarfsmennFjrsUslunnarmeWYessummlumogreynts !W% aWtryggjasamrmingueinsogkosturs. O""&   RkisendurskoWunhefurundanfarinrbentaWeftirlitiWsekkingjanlegt.XeiraWilar #' semb;kafyrrgreindarkrfurberabyrgWYeimnemabyrgWinsfalinWrum.Fjrlaga #( nefndteluraWYrbrotalamirsemhrerlUstviWinnheimtukrfumrkissj;Wssu;viWun $ ) andi.XtelurnefndinYaW;sttanlegtaWstofnanirrkisinsskUriYaWsemaflagafermeWYv {%N!*  aWenginnberibyrgWogbeinirYeimtilmlumtilfjrmla-ogefnahagsrWuneytisaWskUrt F&"+ verW& a   ikveWiWumhverberibyrgWsrhverrib;khaldsstWuefnahagrkissj;WsogYarmeW - verWibyrgWaraWilarskilgreindirsemallrafyrst.Er;skaWeftiraWfjrmla-ogefnahags   rWu'a-neytiWgangifrYvmliviWviWkomandiaWila.  "i0J "  i0J112%  10  .3  Ԉ0    Lnasj;WurlandbnaWarins.i0Jڢ݌Y, Ќ    RkisendurskoWungagnrUndimeWferWlandbnaWarrWuneytisinstilteknumeignumLna $ sj;WslandbnaWarinssemhaldiWvareftirviWsluhanstilLandsbankansriW2005.GerWi  stofnuninathugasemdviWYkvrWunrWuneytisinsaWvaxta214millj.kr.afYessumeign   um,Y.e.handbrufsj;Wsins,bankabrfumhjKaupYingibankastaWYessaWskilaYv  X tilrkisfhirWis.StrstihlutiYessafjrtapaWistviWfallbankans.FjrlaganefndbeinirYeim P #  tilmlumtilfjrmla-ogefnahagsrWuneytisaWtryggtverWiaWhvorkirWuneytinstofnanir    rkisinsgetihaldiWeftirfmeWYessummlisverWahttiogaWYvverWiframvegisalltaf    skilaWtilrkisfjrhirslu.   "i0J "  i0J112%  11  .3  Ԉ0    GjaldfrslavegnarkisbyrgWaaWfjrhW27milljarWarkr.i0J݌G  Ќ    rinu2010vorugjaldfrWirrmlega27milljarWarkr.vegnarkisbyrgWasamanboriW   viWrmlega3milljarWakr.riW2009.XessihkkunstafareinkumafYvaWrkissj;Wuryfir   t;kbyrgWirafRkisbyrgWarsj;WivegnaLnasj;WslandbnaWarinsenviWfallLandsbankans {  hf.urWuvirkarrkisbyrgWirvegnaskuldasj;Wsins.Lnasj;WurinnvarseldurbankanumriW sF 2005fyrirtpa3milljarWakr.0kjlfarfallsbankansvartekinkvrWunumaWgreiWagjald > fallnarafborganirafkrfumsemrkisbyrgWfylgditilaWkomavegfyriraWrkissj;WuryrWi   fyrirtj;nivegnadrttarvaxtaoginnheimtukostnaWar.RkisendurskoWunhefurekkiupplUs  ingarumhversvegnaskuldirLnasj;WsinsvoruskildareftirgamlaLandsbankanumen r eignirhansfluttarnUjabankann.Nefndin;skaWieinnigeftirupplUsingumfrfjrmla-og j= efnahagsrWuneytinuumhversvegnabyrgWirogeignirsemttuaWstandaYeimtilfullnustu 5 fylgdustekkiaW.AWsgnfjrmla-ogefnahagsrWuneytisvarYegarbiWaWgefatumrdd  skuldabrfogYau;uppgreiWanlegogYvekkiunntaWbreytaYvaWrkiWbrihinaeinfldu  byrgWgreiWsluYeirrafrikaupandinngreiWsluYrotYrttfyriraWAlYingitkikvrWun i umslusj;Wsins.SkUrthafikomiWframtboWsauglUsinguogmeWfylgjandiggnumaWtil a4 boWsgjafimundiyfirtakaskuldbindingarLnasj;WsinssemflestumtilfellumvorumeWrkis , byrgW.SamkvmtYessuvirWisthafaveriWerfittaWkomavegfyriraWbyrgWirnarfllu  rkissj;W.FjrlaganefndtelurmikilvgtaWfjrmla-ogefnahagsrWuneytiWfariyfirYettaml  tilaWkannahvortogYhvernigdragamegiafYvlrd;mummeWferWrkisbyrgWameWYaW `  aWmarkmiWiaWtilviksemYettagetiekkikomiWuppaWnUju. X+! "i0J "  i0J`112%  12  .3  Ԉ0    RkiWtaldisigkniWtilyfirtkuSparisj;WiKeflavkurvegnainnstWutrygginga.i0J`݌# Ќ    Fjrmla-ogefnahagsrWuneytiWstofnaWiSpKefsparisj;Waprl2010YvskyniaWtaka  $ viWeignumoginnstWuskuldbindingumSparisj;WsinsKeflavksamkvmtkvrWunFjr !W% mlaeftirlitsinsmeWvsantilheimildar1.gr.laganr.125/2008,umheimildtilfjrveitingar O""& rrkissj;WivegnasrstakraaWstWnafjrmlamarkaWio.fl. #'   0kvrWunFjrmlaeftirlitsinskemurframaWYaWsmatstj;rnendaSpKefsparisj;WsaW #( eigiWfsj;Wsinssneikvttum11milljarWakr.ogaWrmlega19milljarWakr.vantiupp $ ) aWsparisj;WurinnfullngikrfumFjrmlaeftirlitsinsumlgmarkseigiWf.0skUringumviW {%N!* rshlutareikningLandsbankanslokjn2011komsWanframaWgreiningurvrimilli F&"+ aWilaumverWmateignumsparisj;Wsins.Bankinnmtieignirnarrma43milljarWakr.en '", aWYrhafiWurveriWmetnartpa59milljarWakr.MunarYarnaum16milljarWakr.ViW '#- sameininguSpKefsparisj;WsviWLandsbankannvirWisthafaveriWgengiWtfrYvaWeigiW - fsparisj;Wsinsvrineikvttum11milljarWakr.ogaWskostnaWurkmitilmeWaWlenda  rkissj;Wi.    BrskurWarnefnd,semsettvarlaggirnarmeWsamningimillislenskarkisinsogLands a bankanshf.YvskyniaWskerarumendurgjaldtilLandsbankanshf.vegnayfirtku Y, SpKefsparisj;Wi,kvaWupprskurW7.jn2012.NiWurstaWanefndarinnarvarsaWendur $ gjaldtilLandsbankanshf.vegnayfirtkuinnstWumogeignumSpKefsparisj;Wsskyldi  nematplega19,2milljrWumkr.MeWrskurWinumerendanlegaleystrgreiningimilli   aWilaumgreiWslutilLandsbankanshf.vegnayfirtkuSpKefsparisj;Wi.UppgjrtilLands  X bankansverWursamkvmtsamningiaWilaformirkisskuldabrfs(RIKH18),semergjald P #  daga9.okt;ber2018.FjrlaganefndbendiraWYaWmunarum8millj.arWakr.niWurstWu    rkisinsoggerWard;msinsoghefurnefndinafYeimskum;skaWeftirgreinargerWfrfjr    mla-ogefnahagsrWuneytinuummeWhvaWahttistaWiWvaraWyfirtkunniogmatieign   um.Einnighefurfjrlaganefnd;skaWeftirgreinargerWumrekstursj;WsinsfrYvaWrkiW |O  t;khannyfirogYartilhannvarendanlegasameinaWurLandsbankanum.Er;skaWeftiraW G  YrliggifyrireigisWarenlokdesember2012.     FjrlaganefndbendiraWmlefnisparisj;Wannaerutilranns;knarafhlfuAlYingisog   bWurnefndineftirniWurstWuhennar. {  "i0J "  i0J112%  13  .3  Ԉ0    TilvistEignasafnsSeWlabanka0slands.i0J ݌> Ќ    RkisendurskoWunbendiraWendurmetaYurfitilvistEignasafnsSeWlabanka0slands.AW   matistofnunarinnarferreksturflagsumframangreinteignasafnillasamanviWdaglegog  lgbundinverkefniSeWlabankans.XvlagWistofnunintilaWSeWlabankinnhugaWihvortYaW r vriekkiYguhagsmunahansaWseljaeignirflagsinseWaflagiWheildtilaWilasemsr j= hfasigslkrieignaumsUslu. 5   FramhfWukomiWefasemdirumlgmtiYessaWSeWlabankinnrkiflagiWogYv;skaWi  fjrlaganefndeftirviWbrgWumbankansviWYeimathugasemdum.0svarbrfibankanskom  framaWlgumnr.36/2001,umSeWlabanka0slands,erhvorkiaWfinnakvWisembeinlnis i heimilabankanumaWstofnaogeigad;tturflagnheldurkvWisembannarslkarWstfun. a4 017.gr.lagaumSeWlabanka0slandssegiraWSeWlabankinnstundinnurbanka-ogverWbrfa , viWskiptisemsamrUmasthlutverkihanssemseWlabanka.0YvskynierbankanummeWal  annarsheimiltaWeigaaWildaWoghlutfyrirtkjumogstofnunumsviWikauphallarstarf  semi,verWbrfaskrningaroggreiWslukerfa.OrWalagiWmeWalannarserekkihgtaWtlka `  annanvegenYannaWekkistmanditaliWgreininnihverskonarflgSeWlabankinnhefur X+! heimildtilaWstofna.LggjafinngeturekkisWfyrirllYautilvikYarsemYrferaWSeWla #" bankinneigihlutfyrirtkjumeWastofnunum.EfYaWvartlunlggjafansaWtakmarkaaWild # SeWlabankanseingnguaWhlutfyrirtkjumsem17.gr.tilgreinirhefWiYurftaWtakaslkt  $ skUrtfram.Skv.3.mgr.3.gr.laganr.138/1994getastofnendureinkahlutaflagaveriWm.a. !W% slenskarkiWogstofnanirYess.ES0ehf.erYarafleiWandiflagsemstofnaWergrundvelli O""& ogsamrmiviWkvWilagaumeinkahlutaflgogverWurekkisWaWlgnr.36/2001,um #' SeWlabanka0slands,standivegifyrirstofnunYess. #(   MarkmiWflagsinseraWinnheimtakrfurogendurgreiWaskuldinaviWSeWlabankann. $ )   Fjrlaganefnd;skaWieftiraWfjrmla-ogefnahagsrWuneytiWlegWimathvernigtilhefWi {%N!* tekistviWaWnmarkmiWunumenrWuneytiWvsaWialfariWSeWlabankann.Fjrmla-og F&"+  efnahagsrWuneytiWannasteftirlitmeWframkvmdfjrlagaogaWmatifjrlaganefndarber '", YvaWtakaafs&   tWutilYeirraYttasemnefndinspurWiumendabeittirWuneytiWsrfyrirfyrr - greindrihagr'-IWingu.    FjrlaganefndtelureWlilegtaWfjrmla-ogefnahagsrWuneytiWannistYessaeignaumsUslu  fyrirhndrkissj;WsenekkiSeWlabankinn,sbr.13.gr.laganr.115/2011.Xmunnefndin a gerasrstakaathugunmlinu. Y, "i0J "  i0JX112%  14  .3  Ԉ0    SamkomulagviWsveitarflgumuppgjrstaWgreiWslu.i0JX݌ Ќ    RkisendurskoWuntrekarbendingusnafrYvendurskoWunarskUrslu2009umaW   endurskoWaYurfisamkomulagumuppgjrstaWgreiWsluviWsveitarflgin.Stofnunintelur  X httuaWrkissj;WurberifjrhagsleganskaWaafnverandisamkomulagi,endahafivanskil P #  aukistaWundanfrnu.RkisendurskoWungagnrUniraWekkertskulihafaveriWaWhafstmlinu    meWhliWsj;nafYeimhagsmunumsemeruhfi,enhlutursveitarflagastaWgreiWslurinu    2010nam105milljrWumkr.Fjrlaganefnd;skaWieftirmatifjrmla-ogefnahagsrWuneyt   isinsYvhvortrkissj;WurhefWiorWiWfyrirfjrhagslegutj;niafuppgjrinuoghvenrbast |O  mttiviWaWYvyrWilokiW.FramkomaWrWuneytiWhafWi;skaWeftirviWrWumviWsveitar G  flginogvonaWisttilaWendurskoWuninnilykifyrir1.jnsl.XtaldirWuneytiWekkiunnt   aWsegjatilumYaWfyrirframhvortrkissj;WurhefWiorWiWfyrirfjrhagslegutj;nivegnaYessa   fyrirkomulags. {    0litisnuskUrsluRkisendurskoWunarumendurskoWunrkisreiknings2009lagWifjr sF laganefndhersluaWsamkomulagumuppgjrstaWgreiWslumillirkisogsveitarflagayrWi > endurskoWaW,m.a.lj;siaukinnavanskila,og;skaWieftirniWurstWumendurskoWunarinnar   fyrir1.desember2011.SviljinefndarinnarhefurekkigengiWeftirenseptember2012var  endurskoWuninniekkilokiW.RWuneytiWhefurnUlegahafiWviWrWurviWSambandslenskra r sveitarflagaogeruRkisendurskoWunogFjrsUslaneinniginnimlinu.Fjrlaganefnd j= leggurhersluaWfjrmla-ogefnahagsrWuneytiWljkimlinusemallrafyrstogtilkynni 5 nefndinniumniWurstWuna.XleggurfjrlaganefndhersluaWfjrmla-ogefnahags  rWuneytiWmetihvortrkissj;WurhafiorWiWfyrirtj;niafnverandifyrirkomulagioggeri  nefndinnigreinfyrirYvmati.JafnframtleggurfjrlaganefndhersluaWreglulegaverWi i fylgstmeWuppgjrimillirkisogsveitarflaga. a4 "i0J"  i0J112%  15  .3  Ԉ0    YfirtakaeftirlaunaskuldbindingumLandsbanka0slands.i0JF݌ Ќ    riW2009yfirt;krkissj;Wur300millj.kr.eftirlaunaskuldbindingarLandsbanka0slands  vegnarkisbyrgWarYeim.AWmatiRkisendurskoWunarereWlilegtaWYessiskuldbinding `  fristyfirtilNBIhf.FyrirliggursrstkkvrWunstj;rnarFjrmlaeftirlitsinsYesseWlisaW X+! tilgreindarlfeyrisskuldbindingarfylgigamlabankanum,enhneraWmatiRkisendurskoW #" unarskjnviWhinaalmennukvrWunFjrmlaeftirlitsinsumflutningeigna,skuldaog # skuldbindingavegnainnlendrarstarfsemibankansyfirtilNBIhf.0samningaviWrWumskila  $ nefndarogerlendrakrfuhafaLandsbanka0slandskomframaWYeirgetaekkisttsigviW !W% aWNBIhf.verWiskuldsetturmeiraenumersamiWYvYaWmunirUragetubankanstilaW O""& standaviWskuldbindingarsnargagnvartYeim,sbr.samkomulagYarum.Fjrmla-ogefna #' hagsrWuneytiWbendiraWrkstuWningurFjrmlaeftirlitsinsfyrirYessarikvrWunhafi #( veriWsaWannaWgtifaliWsr;rttmtamismununannarrakrfuhafaogYaWhafiYvekki $ ) veriWfrirWuneytisinsaWbreytakvrWunFjrmlaeftirlitsins.MeWYvaWfrakrfuna {%N!* yfirnUjabankannhefWirkissj;WurYarmeWYurftaWgreiWanUjabankanumkrfunaaWfullu. F&"+ XarsemmltvarfyrirumYaW1.mgr.11.gr.laganr.50/1997,umstofnunhlutaflagaum '", Landsbanka0slandsogBnaWarbanka0slands,aWrkissj;WurberibyrgWskuldbindingum '#- Landsbanka0slandsviWEftirlaunasj;WstarfsmannaLandsbankanshafiveriWkveWiWaW - semjaviWNBIhf.umtborguneftirlaunarttindaumrddrastarfsmannameWsamahttiog  WurhefWiveriWgert.AnnarshefWueinstakiraWilareftirlaunasj;Wsinsttbeinarkrfur  hendurrkissj;WsvegnaYeirrarbyrgWarsemrkiWgekkstYegarstofnaWvarhlutaflagum a Landsbanka0slands.JafnframtvarNBIhf.fyrirhndrkissj;WsfaliWaWlUsainnleystri Y, byrgWarkrfurkissj;WsviWslitameWferWLandsbanka0slandshf.Fjrlaganefndtelur;heppi $ legtaWRkisendurskoWunogFjrmlaeftirlitiWsu;sammlaummeWhvaWahttimliWvar  leyst.   "i0J"  i0Jg112%  16  .3  Ԉ0    EndurgreiWslabankainnstWnaumfram2%afheildarrekstrarfrsinstilrkissj;Ws.i0Jg݌P #  Ќ    0reglumfjrmla-ogefnahagsrWuneytisinsfr1.mars1996segir:?Stofnanirsemhafa    reikningbankaeWasparisj;WiskuluendurgreiWatilrkissj;WsfyrirlokhversmnaWarallt    YaWferferumfram2%afheildarrekstrarfrsins.FjrmlarWherrageturY;settnnurviW   miWunarmrkenhrgreinirgagnvarteinstkumstofnunum. :skaWvareftiraWfjrmla-og |O  efnahagsrWuneytiWgerWigreinfyrirhelsturksemdumfyrirYvaWveitaundanYgurfr G  YessumkvWum.Jafnframtvar;skaWeftirupplUsingumumhveharfjrhWirvruYeim   reikningumsemRkisendurskoWunvsaWitilbendingusinni.AWsgnfjrmla-ogefna   hagsrWuneytisinseruundanYgurveittartilstofnanasemhafafengiWheimildtilaWhalda {  reikningaSeWlabanka0slands.InnstWurYeimeruteknarinnvaxtajfnuWrkissj;Wsog sF rennavaxtatekjurnartilrkissj;Ws.HvaWaWrarrkisstofnanirvarWarerumeginstWurundan > YgnaYraWtryggjahandbrtftilaWstandaundirgreiWslutgjaldahverjumtma.     AWmatifjrlaganefndarttuvaxtatekjurafbankareikningumallraA-hlutastofnanaaW  frasthjrkissj;Wi.NefndinrttaraWreglumsfylgtogundanYgurveittarsamrmiviW r reglurnar. j= "i0J"  i0JE112%  17  .3  Ԉ0    Frslaeftirlaunaskuldbindingahjkrunar-ogdvalarheimilasemfgreidddaggjldfr  rkinu.i0JEr݌ Ќ    AWmatiRkisendurskoWunarkannaWverastWatilaWkannahvortekkisrttaWeftir i launaskuldbindingarhjkrunar-ogdvalarheimilasemfgreidddaggjldfrrkinu,ogeru a4 naWhlutafrWarhjlaunagreiWanda,verWiaWfullufrWarhjrkissj;WiYarsemreksturinn , erbyrgWhans.Fjrlaganefnd;skaWieftiraWfjrmla-ogefnahagsrWuneytiWstaWfestiaW  ekkivrigertrWfyriraWdaggjldstWuundirYessumlfeyrisskuldbindingumogaW;tvrtt  lgifyriraWrkissj;WurbribyrgWYeim.Fjrmla-ogefnahagsrWuneytiWer;sammla `  fullyrWinguRkisendurskoWunarumaW?YarsemekkiergertrWfyriraWdaggjldstandi X+! undirYessumskuldbindingumeruYrYyngjandirekstriYeirra .Fjrmla-ogefnahags #" rWuneytiWbendiraWsamkvmtkvWumlagaumalmannatryggingarerugreiWslurdag # gjaldafullnaWargreiWslaafhlfurkissj;WsfyrirveittaYj;nustu.?XverYaWmatfjrmla-og  $ efnahagsrWuneytisinsaWekkisbeinlagaskyldarkissj;WivegnaYessaralfeyrisskuld !W% bindinga,umframYaWsemfallirkissj;WvegnabakbyrgWarB-deildLSR,YegariWgjalda O""& greiWsluroglfeyrishkkanirhverjumtmastandaekkiundirheildarskuldbindingusem #' hefurmyndast.BakbyrgWvegnaLfeyrissj;WshjkrunarfrWingaerhinsvegarhjeinstk #( umlaunagreiWendumenekkirkissj;WieinsogtaliWerskUrsluRkisendurskoWunar.XaW $ ) misrmisemerfjrhWlfeyrisskuldbindingarinnarogiWgjaldaogtlaWralfeyrishkkana {%N!* frlaunagreiWendumhefurveriWfrttilskuldarkisreikningi.Fjrmla-ogefnahagsrWu F&"+ neytiWogvelferWarrWuneytiWeiganviWrWumviWSamtkfyrirtkjaheilbrigWisYj;nustu '", umstWulfeyrisskuldbindingaaWildarflagaYeirra. NauWsynlegteraWljkamlinusem '#- fyrst.FjrlaganefndteluraWdaggjldYurfiaWstandaundirllumrekstrarkostnaWi,Yar - meWalheildarkostnaWiv&  egnalfeyrisrttindaallrastarfsmanna.XverkrafanefndarinnaraW  stofnanirgreiWijafn;WumallankostnaWvegnalfeyrisrttindastarfsmannatillfeyrissj;Ws'.  "i0J"  i0J112%  18  .3  Ԉ0    GreiWslujafnvgiA-deildarLfeyrissj;Wsstarfsmannarkisins.i0J݌Y, Ќ    RkisendurskoWunbendiraWsamkvmttryggingafrWilegumatiYarfaWhkkaheildar $ iWgjaldtilA-deildarLfeyrissj;Wsstarfsmannarkisinsr15,5%19,5%tilYessaWnnauW  synlegujafnvgi.0framhaldinulagWifjrlaganefndm.a.eftirfarandispurningarfyrirfjr   mla-ogefnahagsrWuneytiW:  X "m"  m0  0 2%  a  .3  Ԉ0v  LeikureinhvervafiYvaWrkissj;WiberiaWgreiWaYessaskuldbindingu?m݌P # vv Ќ  "m"  m(0  0ww 2%  b  .3  Ԉ0v  HvaWavinnaergangihjrWuneytinutilaWleysaYettaml?m(U݌  vv Ќ    RWuneytiWvsartilsameiginlegrarfrttatilkynningarfjrmla-ogefnahagsrWuneytisog    FjrsUslurkisinsfr10.febrarsl.YarsemafstaWarWuneytisinssssamaogframkemur   lgunum,Y.e.aWngi;breyttiWgjldekkitilaWstandaundirskuldbindingunumberiaW |O  hkkaiWgjldinsemlendialfariWlaunagreiWandaA-deildinni.kvrWuniWgjaldastekin G  afstj;rnsj;WsinsYarsemfjrmla-ogefnahagsrWuneytiWeigifj;rafulltra.Starfsh;purmeW   YtttkubandalagaopinberrastarfsmannahafifrYvmars2011fjallaWumstWuA-og   B-deildarogstlaWaWkomameWtillguraWframtWarlausnumvandaYeirra. {    FjrlaganefndtelurafarbrUntaWsemfyrstverWigripiWtilviWeigandirWstafanatilaW sF stemmastiguviWYeimsvaxandivandasemfelstYvaWiWgjlddugahvergitilaWstanda > undirskuldbindingumsj;Wsins.TryggingafrWilegstaWaA-deildarhefurlengstafveriW   neikvWnYessaWtekiWhafiveriWvandanumsemnerorWinngrWarlegur.Fjrlaganefnd  hveturfjrmla-ogefnahagsrWuneytiWtilaWvinnaeinshrattogvelaWlausnYessamls r samvinnuviWLfeyrissj;Wstarfsmannarkisinsogunnterog;skareftirYvaWrWherraskili j= nefndinnigreinargerWumfyrirtlanirsnarYvefnifyrirlokdesembernk. 5 "i0J"  i0Jx 112%  19  .3  Ԉ0    Uppgjrlfeyrisskuldbindingamillirkisogsveitarflaga.i0Jx  ݌ Ќ    RkisendurskoWunbendiraWekkihefurveriWgertsambrilegtsamkomulagviWnnur i sveitarflgenReykjavkurborgumuppgjrlfeyrisskuldbindingavegnasamrekstrarenfjr a4 mla-ogefnahagsrWuneytiWhefurttviWrWumviWYauumYessiml.Fjrmla-ogefna , hagsrWuneytiWteluraWvelsbiWaWnutanumstWuYeirraY;ekkihafiveriWgengiWfr  samningumviWUmissveitarflgumlfeyrisskuldbindingarlfeyrissj;Wasveitarflaga.0rkis  reikningihafiumrabilveriWfrWvarWarfrslavegnaYessaognamuppsfnuWfjrhW `  hennar5milljrWumkr.rslok2010.FjrlaganefndtelurnauWsynlegtbWifyrirrkiog X+! sveitarflgaWsemfyrstverWigengiWfrsamningumumYessimlogaWskilegtsaWYeim #" viWrWumljkifyrir1.febrar2013. # "i0J"  i0J112%  20  .3  Ԉ0    Flutningur;nUttrafjrheimildaoguppsafnaWshallamilliraeralltofumfangsmikill.i0J ݌!W% Ќ    RkisendurskoWunteluraWflutningur;nUttrafjrheimildaoguppsafnaWshallamillira O""& salltofumfangsmikill.StofnunintelurnauWsynlegtaWnverandivinnureglurumYettaefni #' verWisettarinnreglugerWumframkvmdfjrlaga.Fjrmla-ogefnahagsrWuneytiWtelur #( YaWmatsatriWihvaWteljistumfangsmikiWYessusambandiogaWst;rhluti;nUttrafjrheim $ ) ildastilkominnvegnanokkurrasj;WasemerufjrmagnaWirmeWmrkuWumtekjustofnum. {%N!* NUtingYeirrafjrheimildashWlgumumsj;WinaogverWiYrYvekkifelldarniWur.X F&"+ su;nUttarstofnkostnaWarfjrheimildirst;rhlutifluttraheimildaYarsemframkvmdums '", ekkilokiWogYvsuheimildirekkifelldarniWurendamundiYaWsetjaviWkomandifram '#- kvmduppnm.RWuneytiWvsarjafnframttilYessaWveriWsaWendurskoWalgumfjr - reiWurrkisinsogaWYvloknusgertrWfyriraWreglugerWumframkvmdfjrlagaverWi  endurskoWuW.FjrlaganefndersammlaRkisendurskoWunumaWumfangfluttrafjrheimilda  hafiveriWofmikiW.NUlegarvinnureglurfjrmla-ogefnahagsrWuneytisinsmiWaaWYvaW a dragarumfangifluttrafjrheimilda.AWmatifjrlaganefndarernauWsynlegtaWreglurum Y, yfirfrsluheimildannasuskUrarogeftirYeimfariWhvvetna.Xmunnefndinbeitasr $ fyrirbreytingulgumummarkaWatekjustofnaYveruaWtekjurvegnaYeirrafalliyfirleitt  tilrkissj;WsogaWviWkomandiliWirfiYessstaWbeinframlgfjrlgum.   "i0J"  i0J)112%  21  .3  Ԉ0    OfumfangsmikilyfirfrslahallakemurvegfyriraWtekiWsvandaviWkomandi P #  stofnana.i0J)V݌   Ќ    RkisendurskoWunteluraWefstofnanirkomistuppmeWaWveltaumfangsmiklumfjrlaga    hallaundansrdragiYaWragaviWframkvmdfjrlagaogkomivegfyriraWtekiWs   vandaYeirra.FjrlaganefndtekurundirYettameWRkisendurskoWunogbendiraWdmin |O  sUniaWsumarstofnanirjafnvelaukiviWhallannmilliranYessaWtekiWsvandanum.Til G  b;tavriaWsetjakvWireglugerWumframkvmdfjrlagaumYaWhvaWatilvikums   heimiltaWflytja;nUttarfjrheimildirmillifjrlagara.FjrlaganefndersammlaRkis   endurskoWunumaWmrgumtilvikumsYessiyfirfrslaofumfangsmikilogaWfyrirkomu {  lagiWsekkiheppilegtYegarfjrheimildirstofnanaeruskertarumtugipr;sentavegnaum sF framgjalda,nraunverulegsviljatilaWdragasamsvarandirstarfseminni. > "i0J"  i0J112%  22  .3  Ԉ0    UppsafnaWurhalliLandsptalans.i0J ݌ Ќ    RkisendurskoWunbendiraWaWgerWirsemstj;rnendurLandsptalansgriputilnWueinar r ogsrekkiaWhaldarekstrisptalansaWfulluinnanfjrheimilda,eftekiWertillittil3millj j= arWakr.uppsafnaWshallasemmyndaWistrin2008og2009,endatldustj;rnendursptalans 5 ;frtaWdragasvomjgrstarfseminniaWYaWngWieinnigtilaWjafnaskuldvegnaupp  safnaWshalla.SvoeraWsjsembWivelferWarrWuneytiWogfjrmla-ogefnahagsrWuneytiW  hafiveriWsammlaYvmati.Fjrlaganefnd;skaWieftirupplUsingumumYrlagaheimildir i semstuWsterviWogsemheimilarWuneytunumaWtakakvrWunsemYessa.Fjrmla-og a4 efnahagsrWuneytiWfjrmagnaWiYannlausafjrvandasemuppsafnaWurhallihafWihaftfr , meWsrmeWYvskilyrWiaWvelferWarrWuneytiWkmimeWtlunumuppgreiWsluhallans  efstofnuninstWiviWYaWaWhaldatgjlduminnanheimildarsins.XaWvarmatfjrmla-  ogefnahagsrWuneytisinsaWYaWYj;naWihagsmunumrkissj;WsaWkomasthjdrttarvaxta `  greiWslumogliWurYvvriaWhvetjaviWkomandistofnanirtilaWlagarekstursinntilfram X+! bWar.Heimildvrifenginr37.gr.laganr.88/1997,umfjreiWurrkisins,Yarsemsegir: #" ?AWfengnusamYykkirWherraoghlutaWeigandirWherraerheimiltaWgeyma;nUttarfjr # veitingarlokreikningsrs.MeWsamahttierheimiltaWdragaskuldirfrfyrrarifrfjr  $ veitingumrsins.  !W%   FjrlaganefndbendiraWsamkvmtfjrreiWulgumogreglugerWumsemgrundvallast O""& YeimlgumerufyrirgreiWslursemYessarekkiheimilaWar.FjrlaganefndbendiraWheim #' ildinerekkinotuWmeWYeimhttisemlgingerarWfyrirY;svoaWnefndinhafiskilning #( YvaWmeWhennishgtaWsparadrttarvaxtakostnaW.NefndinteluraWsetjaYurfireglur $ ) umheimildirsemYessarogverWiekkifrYvvikiststluninaWbeitaYeimyfirstandandi {%N!* fjrlagari. F&"+   '", "i0J"  i0J)112%  23  .3  Ԉ0    FyrirgreiWslatiluppgjrsviWbir& a  gja.i0J))݌- Ќ    Landsptalinn,HeilsugslahfuWborgarsvWisinsogHsk;linnH;lumfengurinu  fyrirgreiWslutilaWgerauppskuldirv'a-R*iWbirgjaYrttfyrirskuldviWrkissj;W.EinsogWur  hefurkomiWframeruengarheimildirfyrirrWstfunumsemYessumogYvYarfaWsetjaum a Yrreglur.AWWrumkostierhrumaWrWa;heimilarrWstafanirogverWuraWmatinefnd Y, arinnaraWtakaYeimsamrmiviWYaW.:skaWvareftirafstWufjrmla-ogefnahags $ rWuneytisinstilYessamls.Fjrmla-ogefnahagsrWuneytiWvsartilfyrrgreindssvarsviW  fyrirspurnumuppgjrhallaLandsptalanssemogminnisblaWsfr17.febrar2010um   flutninghallastofnanamillira.RWuneytiWteluraWhagstWarahafiveriWaWfjrmagna  X hallannengreiWadrttarvexti.ViWkomandistofnanirhafiYegarveriWbnaraWrWstafafjr P #  munumumframheimildirenmeWYessumaWgerWumsekkiveriWaWblessaYaWneinnhtt.      bendinginerafsamameiWiogbendingumuppgjrLandsptalansoggerirfjrlaganefnd    smuathugasemdirviWfyrirkomulagiWogYarkomafram.     RkisendurskoWunbendiraWekkerttryggiraWstofnanirgreiWitilbakaviWskiptaskuldir |O  viWrkissj;W.XrautarlendinginverWurYvoftsaWveitaYeimaukafjrveitingueftir.Fjr G  laganefndtrekaraWrkisstofnunumberaWhaldafjrlgogYeimer;heimiltaWreiknameW   YvaWreksturYeirraverWifjrmagnaWurfjraukalgum.Fjrlaganefndbendirmikilvgi   YessaWhvorkiAlYinginframkvmdarvaldiWUtiundirvntingartilaukafjrveitingaognoti {  fjraukalgsemallraminnst.AWbeiWnifjrlaganefndartbj;RkisendurskoWunlistayfir sF helstustofnanirsemekkihafagertuppskuldviWrkissj;WsWustuYrjrin.honumkemur > framhverYr;uninhefurveriWhjYessumaWilum.VandamlYettatengiststofnunumsemfara   framrfjrheimildumogtelurfjrlaganefndaWrWuneytumberiskyldatilaWkomaveg  fyriraWfariWsframrfjrheimildum. r "i0J"  i0J5112%  24  .3  Ԉ0    UmframtgjldSjkratrygginga0slands.i0J55݌5 Ќ    0skUrslunnikemurframaWumframtgjldSjkratrygginga0slandsstafaafYvaWform  umsparnaWsemlgutilgrundvallarfjrlgumgenguekkieftir.Snemmarinukomlj;s  aWhpiWvriaWforsendurfyrirtluWumsparnaWimundugangaeftir,svosemaWhgtyrWi i aWsemjaumlkkungjaldskrfyrirheilbrigWisYj;nustusemkeypterafsjlfstttstarfandi a4 heilbrigWisstttum.SamtvarekkirWistannarskonarsparnaWtilYessaWvegauppm;ti , Yessu,t.d.meWYvaWaukagreiWsluYtttkusjklingaeWatakmarkafrekarYYj;nustusem  Sjkratryggingar0slandstakaYttaWgreiWa.XarsemslkarkvarWanirhefWukallaWreglu  gerWarbreytinguliggurfyriraWvelferWarrWuneytiWberbyrgWYvaWekkivargripiWtilrW `  stafanatilaWhaldarekstriSjkratrygginga0slandsinnanfjrheimilda. X+!   Fjrlaganefnd;skaWieftirupplUsingumumhverafstaWafjrmla-ogefnahagsrWuneytis #" insvritilYessararbendingaroghvortrWuneytiWmltimeWYvaWgripiWyrWitilaWgerWa # vegnaYessa.Fjrmla-ogefnahagsrWuneytiWtekurundirathugasemdirRkisendurskoWunar  $ oghefurtrekaWbentYettaviWvelferWarrWuneytiWogupplUsingagjfbWitilrkisstj;rnar !W% ogfjrlaganefndarAlYingis.0llumgreiningumvegnamilliuppgjrarunum2010og O""& 2011,semsendvorufyrrgreindumaWilum,varbentaWtakaYyrftialvarlegristWuYessa #' liWar,enYrttfyrirYaWhafivelferWarrWuneytiWekkitekiWafngilegrifestuvandanum. #( HannhafiveriWlj;salltriW2010og2011ogveikleikamatirsins2012ertalaWumaW $ ) tgjldingetiorWiW920millj.kr.umframfjrheimildirogjafnvelmeirienYaW.Fjrlaganefnd {%N!* teluraWsstaWasemkomineruppoghefurstaWiWYettalengiyfirs;viWunandiogaW F&"+ velferWarrWuneytinuberiaWleysaYettamlntafar. '",  '#- "i0J"  i0J@112%  25  .3  Ԉ0    Stofnanirsembrj;tagegnfjrreiWulgum.i0J@@݌- Ќ    RkisendurskoWunbendiraWstofnanirmeWeiginfjrreiWursemstofnatiltgjalda  umframfjrheimildirbrj;tagegnfjrreiWulgum,reglugerWumframkvmdfjrlagaog  byrgWfjrreiWumrkisstofnanaA-hlutaogeftiratvikumreglumumlns-ogreikningsviW a skiptirkisstofnanaA-hlutarkissj;Ws.Fjrlaganefnd;skaWieftirupplUsingumumhvort Y, fjrmla-ogefnahagsrWuneytiWhygWistbeitasrYessummlum.0svariYesskomframaW $ rWuneytiWmuneinsogWurbeitasrYessummlumeinsogskyldurrWuneytisinssegja  tilumogheimildirleyfa.EinsogframhefurkomiWskUrslumRkisendurskoWunarerurlega   nokkurdmiumaWrWuneytiogstofnanirfylgiekkifyrirmlumogreglumfjrmla-og  X efnahagsrWuneytisogfyrrgreindiraWilarberabyrgW. P #    0nUjumYingskapalgumerkveWiWskUrtumeftirlitshlutverkfjrlaganefndar.SkUrsla    ranns;knarnefndarAlYingisogafleiWingarhrunsinsfyrirrkissj;WhafaaukiWskilningYings    insmikilvgiYinglegseftirlits.Xettalitsamtlitinefndarinnarumrkisreikning2009   semogskUrslanefndarinnarumframkvmdfjrlaga1.rsfj;rWungi2012eruliWurauknu |O  aWhaldiogeftirlitiYingsinsmeWmeWferWopinberrafjrmuna.FjrlaganefndbeinirYvtilallra G  rWherraaWtryggjaaWekkiverWibrotiWgegnfyrrgreindumlgumogreglugerWum.   "i0J"  i0JH112%  26  .3  Ԉ0    ?Opnarfjrheimild& a ir. i0JH'I݌{  Ќ    RkisendurskoWungagnrUniraWstofnaWstilumtalsverWragreiWslnarrkissj;Wi sF grundvelliYesssemkall'aIaverWur?opnarfjrheimildir fjrlgum.Umrddarheimildireru > opnarYvYrfelaekkisrhmarksfjrhWirsemkomaframsamtlutgjaldarekstrar   yfirliti(skv.1.gr.fjrlaga)ogsj;Wstreymirkissj;Ws(skv.2.gr.fjrlaga).XettabWiviW  umheimildirvegnastofnfjrframlagaogtgjalda.AWmatiRkisendurskoWunargeturYessi r aWferWhaftfrmeWsraWstofnaWstilmikillafjrskuldbindinganYessaWkvarWanirum j= slkthafiveriWngjanlegavelkynntarogrddarmeWtilskildumhttiAlYingi.Xerhtt 5 viWaWtgjldogafkomasamkvmtfjrlgumgefimisvsandimyndafraunverulegumfyrir  tlunumstj;rnvaldasemhafahriffjrhagsstWurkisins.:skaWvareftirafstWufjrmla-  ogefnahagsrWuneytisinstilbendingarinnar.XaWteluraWgagnrUninbeinisteinkumaWheim i ildumsem;skaWvareftirtengslumviWfallfjrmlakerfisins.RkiWYurftiaWbregWastviW a4 aWkallandivandamlumogstaWYessaWhafaengareWatakmarkaWarheimildirvartaliW , eWlilegtaW;skaeftirYvviWAlYingiaWsettaryrWufjrlgrsinsheimildirsemvrutiltlu  legarmarYannigaWhgtyrWintj;nsaWbregWastviWmestaWkallandimlumtengslum  viWfallfjrmlakerfisins.RWuneytiWtelursigvallthafagttYessaWgangaekkilengraen `  nauWsynkrafWiviWnUtinguheimildannaogeftiraWunniWhafiveriWrflestumYessaramla X+! ssWurYrfopnumheimildum.RWuneytiWt;kYttYvmeWfjrlaganefndaWleggjatil #" kveWnavinnuregluvegnanUtingarheimildargreinarfjrlaga,6.gr.,enhennifelstaWefna # hags-ogfjrmlarWherraskulikynnafjrlaganefndformaWanUtinguheimildaskv.6.gr.  $ WurenendanlegnUtingerkvrWuWfaritgjldvegnahennarframrfjrheimildheimildar !W% greinarinnar. O""&   FjrlaganefndersammlaRkisendurskoWunumaWopnarheimildargreinardragirfjr #' stj;rnarvaldiAlYingisogYeimagasemYarfaWverafjrmlumrkisins.XaWerhlutverk #( AlYingisaWgtaYessaWopnarheimildirfjrlgumtakieingngutilminnihttarfjrrW $ ) stafanaogsuaWWruleytiekkifjrlgum. {%N!*   F&"+ "i0J"  i0JOV112%  27  .3  Ԉ0    Pr;fanirogafstemmingarviWuppfr& a  slutlvukerfa.i0JOVV݌- Ќ    RkisendurskoWunbentiaWviWuppfrsluallrakerfasmikilvgtaWuppfrWtgfa  verWiekkitekinnotkunfyrreneftirtarle'a-Wgarpr;fanirogafstemmingar.Stofnuninbenti  aWalvarlegafstemmingarvandamlhefWukomiWuppviWuppfrsluOrrakerfisinsenYaWvar a uppfrt5.okt;ber2010.Xegart;kstaWlagfrauppfrslunaYannigaWkerfiWgtiskilaWtil Y, teknumafstemmingumvarbiWaWgangafrrsreikningummargrarkisaWila. $   FjrsUslanteluraWekkiverWiannaWsagtenupptakatgfu12OrrahafigengiWnokkuW  velogundirbningurhafiveriWallg;Wur.HinsvegarhafikomiWuppUmsarvillursem   mrgumtilvikumhafiekkiveriWunntaWsjfyrireWagreinaviWalmennarpr;fanir.Flestar  X afYessumvillumkomuframgrunnkerfinuogvorusendartilframleiWandans(Oracle)til P #  lagfringar.RkisendurskoWunbendiraWafstemminggagnaviWuppfrslunaOrravar    ekkigerWmeWYeimhttisemRkisendurskoWunhefWikosiW.Fjrlaganefndtelurmikilvgt    aWFjrsUslandragilrd;mafYeimvandamlumsemframkomuogtakimiWafbendingum   RkisendurskoWunar. |O  "i0J"  i0J]112%  28  .3  Ԉ0    SkilaskyldumaWilumverWigertaWgreinamillieinstaklingaoglgaWilaviWskilfjr   magnstekjuskatti.i0J]]݌  Ќ    RkisendurskoWuntelurnauWsynlegtaWskilaskyldumaWilumverWigertaWgreinamilli {  einstaklingaoglgaWilaviWskilfjrmagnstekjuskatti.Fjrmla-ogefnahagsrWuneytiWog sF FjrsUslarkisinstakaundirmeWstofnuninniumaWsrgreindarupplUsingarkomiaWg;Wu > gagni,ekkisstviWmateftirstWvumrslok.XvtelurfjrlaganefndeWlilegtaWfjrmla-   ogefnahagsrWuneytiWbeitisrfyrirYvaWskilaskyldumaWilumverWigertaWgreinamilli  einstaklingaoglgaWilaviWskilfjrmagnstekjuskatti. r "i0J"  i0Ja112%  29  .3  Ԉ0    SrgreiningtlaWragjaldaeinstaklingaoglgaWilatekjub;khaldskerfirkisins.i0Jab݌5 Ќ    RkisendurskoWuntelurmikilvgtaWhgtsaWsrgreinatluWgjldeinstaklingaog  lgaWilatekjub;khaldskerfirkisins.SamkvmtsvariFjrsUslurkisinsogfjrmla-og  efnahagsrWuneytisinsvirWistunntaWaWgreinagjldinvirWisaukaskattienekkiYing-og i sveitarsj;Wsgjldum.FjrlaganefndmlirmeWYvaWYessibreytingverWigerW,YarsemYaW a4 styrkieftirlitmeWtekjufluninniaWmatiRkisendurskoWunar. , "i0J"  i0Je112%  30  .3  Ԉ0    Fkkunflagasemekkierurekstri.i0Jee݌ Ќ    AWmatiRkisendurskoWunarermjgmikilvgtaWfkkaeinsogunnterflgumsem `  sannanlegaeruekkirekstri.MeWYvaWfkkatlunumertekjugrunnurrkissj;Wsstyrktur X+! ogbetramatfsteftirstWvumrkissj;Wsteknarslok.Rkisskattstj;riersammlaYessu #" oghefurunniWkerfisbundiWviWverkefniWenbendiraWferliWsseinvirkt.AWmatifjrlaga # nefndarermikilvgtaWstyrkjatekjugrunnrkisinsm.a.meWYvaWfkkaYessumflgum  $ einsrtogunnter. !W% "i0J"  i0JIi112%  31  .3  Ԉ0    Einungis2%tlanavirWisaukaskattiinnheimtast.i0JIiyi݌#' Ќ    RkisendurskoWunbendiraWyfirleitttekstaWeinsaWinnheimtaum2%afheildarfjrhW #( tlanavirWisaukaskattihverjuriogYessvegnaeru98%YeirraekkitekjufrWar. $ )   Rkisskattstj;ribendiraWskv.25.gr.laganr.50/1988skulitlunverasvorflegaWeigi {%N!* shttviWaWskattfjrhWsoflg.?0YeimtilfellumYarsemtlaWurervirWisaukaskattur F&"+  YaWilasemkunnaaWhafalokiWrekstrisnumstafarYaWafYvaWYeirhafavanrktaW '", f     tilkynnaumYaWtilrkisskattstj;raogrkisskattstj;raYv;kunnugtumaWrekstrislokiW&   .  - RkisendurskoWunbendiraWbendingunnihefurveriWkomiWframfrirumsama'-mn.    Samkvmtggnumfrrkisskattstj;rahefurveriWgerttaktilaWfraYessimltilbetri  vegarogtluverWurrangurnWst.Fjrlaganefndhveturrkisskattstj;ratilaWleitaleiWatil a aWnennbetrirangriYessumli.Fjrlaganefnd;skareftiraWrkisskattstj;riveitinefnd Y, inniupplUsingarumframvindumlsins. $ "i0J"  i0JPp112%  32  .3  Ԉ0    Vottunkennitalnasembirtarerursreikningum.i0JPpp݌  Ќ    EittafhlutverkumRkisendurskoWunareraWkannaogvottareiWanleikakennitalnaum  X umsvifograngurafstarfsemistofnanabirtistYrmeWrsreikningi.SkemmsterfrYvaW P #  segjaaWYaWerafarsjaldgftaWkennitlursubirtareWameWrsreikningiogYvhefurekki    reyntYennanYttendurskoWunarinnar.FjrlaganefndbendiraW7.gr.reglugerWarnr.    1061/2004segir:?rstluninskalrmastinnanfjrheimildaaukYessaWtilgreinaeinstk   markmiWogmlikvarWarangurstarfistofnunar.0rsskUrsluskalkomaframsamanburW |O  urtgjldumogfjrheimildum,auktalnalegssamanburWarmarkmiWumrsinsog G  tkomu. FjrlaganefndteluraWleggjaeigihersluaWstofnanirbirtiviWurkenndarkenni   tlurmeWrekstraruppgjrumsnumsemRkisendurskoWunmunisWanendurskoWa.Xeimtil   mlumerbeinttilrWuneytaaWYaubeitisrYessumlieinsogYeimberskyldatil. {  "i0J "  i0JCv112%  33  .3  Ԉ0    & a Lggjfumskattstyrki.i0JCvsv݌> Ќ    AlYingiYarfaWmatiRkisendurskoWunaraWskoWaforsendurYessaWsetjasrstakalggjf   ums'a>vkattstyrkiYarsemkveWiWerumvelskilgreindogmlanlegmarkmiWskattafsltta.  :skaWvareftirafstWufjrmla-ogefnahagsrWuneytisinstilYessararbendingarogupplUs r ingumumhvaWamlanlegmarkmiWkomahrtilgreina.Fjrmla-ogefnahagsrWuneytiW j= tekurundirYaWsj;narmiWaWskoWaYurfivandlegaaWsettverWilggjfumskattstyrki.Lj;st 5 saWYaWuppgjrsembirterrlegameWfjrlagafrumvarpinuslangtfrYvaWverafull  ngjandi.XsusrfrWingarrWuneytisinsaWskoWahvernigngrannaYj;Wirokkarhaga  uppgjriskattstyrkja.MarkmiWYeirrarvinnusaWm;taYaumlanlegumarkmiWsembrUnt i eraWmiWaviWslkuuppgjri. a4   FjrlaganefndteluraWvinnaYessiseWlilegumfarvegiog;skareftiraWniWurstWur , hennarverWikynntarnefndinniYegarYrliggjafyrir.  "i0J!"  i0J|112%  34  .3  Ԉ0    MeWYvaWsamYykkjaUmisskonar;skiptafjrlagaliWierreyndsamYykktaWheimilt `  snokkrummliaWmillifrafjrveitingarmillifjrlagaliWa.i0J||݌X+! Ќ    0skUrsluRkisendurskoWunarkemurframaWfjrreiWulgumsuenginkvWisemheim #" iliflutningfjrveitingamillifjrlagaliWainnanfjrlagarsins.VerWiYvaWteljaaWflutningur # fjrheimildamilliliWasalmenntekkiheimill.Fjrmla-ogefnahagsrWuneytiWer;sammla  $ YessariafstWuogbendir37.gr.laganr.88/1997,umfjrreiWurrkisins,YarsemsegiraW !W% heimiltsaWflytjafjrheimildirmillieinstakrarekstrarverkefnahversrkisaWilaA-hluta, O""& endasuverkefnintilgreindfjrlgum.0athugasemdumviWfrumvarptilfjrlagahversrs #' saukYessfjallaWumsafnliWiYarsemsegiraWnauWsynlegtsfyrirframkvmdarvaldiWaW #( hafakveWinnsveigjanleikainnanrsinstilaWmtabreytingumforsendumfrsamYykkt $ ) fjrlagaogfrafjrheimildirYfjrlagaliWiYarsemstofnaWertiltgjaldanna.Xannigsu {%N!* frumvarpinutilteknirsafnliWirmeW;skiptumfjrheimildumsemvenjahefurveriWaWrW F&"+ stafainnanrsinsmeWmillifrsluaWrafjrlagaliWinYessaWskjaYurfitilYessheimild '", AlYingisendaerheildarfjrheimild;breytt.0lokhversrWuneytiskaflaathugasemdumfrum '#- varpsinseryfirlityfirfjrlagaliWimeW;skiptumfjrheimildumsemtlaWirerutilaWmta (z$. UmsumsameiginlegumeWa;fyrirsWumkostnaWisamrmiviWforsendurog_tilgang_fjr r)E%/ b     veitinganna_.Fjrheimildireru_millifrWar_ԀafYessumliWumaWraYarsemkostnaWurinner - gjaldfrWurmiWaWviW_framvinduna_Ԁinnanrsins.FjrlaganefndersammlaRkisendur  skoWunumaWheimildinnrekkitilYessaWflytja_fjrveitinguna_Ԁmilli_fjrlagaliWa_Ԁsamkvmt  nefndukvWi. a   NefndinbendiraWnauWsynlegteraWviWendurskoWunfjrreiWulagaverWigengiWfr Y, YessumlimeW_skilvirkum_Ԁhttifyrirreksturrkissj;WsYannigaWframkvmdarvaldiWhafi $ eWlilegtsvigrminnanrammalagahverjusinni.  "i0J""  i0JX112%  35  .3  Ԉ0    B;kunogskilgreining_srtekna_.i0JX݌ X Ќ    VerulegurmisbresturhefurveriWYvaWtlaWsfyrir_srtekjum_ԀfjrlgumYrttfyrir P #  aWYrkomireglulegafram_rsreikningum_ԀviWkomandistofnana.0_sryfirliti_Ԁ4rkisreikn    ingikemurframaWrinu2010sUndu_rsreikningar_Ԁyfir70_fjrlagaliWa_Ԁ_srtekjur_ԀnYessaW    fyrirYeimhafiveriWtlaWfjrlgum.EinnigbendirstofnuninaW_srtekjur_ԀYurfiaWskil   greinafrekar.FjrlaganefndtelurnauWsynlegtaW_tekjutlanir_ԀsusamrmiviWfyrirtlanir |O  fjrlaga.Fjrmla-ogefnahagsrWuneytiWhefurbrugWistviWYessumbendingum_fjrlaga G  frumvarpi_ԀfyrirriW2013meWYvaWendurmeta_srtekjur_.FjrlaganefndhefWitaliWrttaW   gengiWhefWiveriWfr_b;khaldslegum_Ԁ_litamlum_ԀviW_tekjufrslu_ԀstofnanaWuren_rkisreikn   ingur_Ԁ2011vargefinnt,endaerhrm.a.umaWrWabendingarsemRkisendurskoWun {  hefurmargoftkomiWframfritengslumviWendurskoWun_rkisreiknings_. sF "i0J#"  i0J\112%  36  .3  Ԉ0    GreiWslurtilkrfuhafa.i0J\݌  Ќ    RkisendurskoWunbendiraWFjrsUslarkisinsYarfaWgtaYessaWinnaekkiafhendi  greiWslurtilkrfuhafavegnarkisbyrgWarlnumsemtekinvoruvegnaLnasj;Wslandbn r aWarinssnumtmanemafyrirliggiaWviWkomandiaWilarhafilUstkrfumYrotabiWog j= _skuldajfnun_ԀhafiekkiveriWhafnaW. 5   FjrlaganefndspurWistfyrirumYessimlhj_FjrsUslunni_ԀogsamkvmtupplUsingumfr  stofnuninnieruYessimlg;Wulagi.Fjrlaganefndtekurundirbendingu_RkisendurskoW  unar_ԀumaWmikilvgtsaWstaWiWverWirttaWYessummlum. i "i0J$"  i0J112%  37  .3  Ԉ0    _Bakfrsla_Ԁtgefinnatkka,t.d.vegnagreiWslubarna-og_vaxtab;ta_.i0J݌, Ќ    RkisendurskoWunteluraW_bakfra_ԀYurfi_tgefna_Ԁtkka,t.d.vegnagreiWslubarna-og  _vaxtab;ta_,efYeireruekki_innleystir_ԀinnankveWinstmaogmyndaYannignUjanleikinn  eignhjviWtakanda_tekjub;khaldskerfi_Ԁrkisins.EkkierumathugasemdaWrWaafhlfu `  stofnunarinnarheldurbendingu. X+!   SamkvmtupplUsingumfrFjrsUslurkisinsogfjrmla-og_efnahagsrWuneytinu_Ԁeru #" Yessimlg;Wulagivegnaranna2009og2010.VeriWeraWvinnarinu2011.FrogmeW # aprl2011vartgfutkkahttogeinungisgreittmeW_rafrnum_Ԁhttiinnbankareikninga.  $ "i0J%"  i0Jd112%  38  .3  Ԉ0    Flokkun_BjargrWasj;Ws_Ԁrkisreikningi.i0Jd݌O""& Ќ    RkisendurskoWunteluraWbreytaYurfiflokkun_BjargrWasj;Ws_.MliWhefurveriWtekiW #' upp_rkisreikningsnefnd_ԀogvarsamYykktaWtelja_BjargrWasj;W_ԀmeWal_rkisaWila_ԀC-hluta. #( Sj;WurinnverWurYvfrWur_rkisreikning_Ԁ2011ogYanniggengiWfrmlinu. $ ) "i0J&"  i0JǞ112%  39  .3  Ԉ0    & , SameiningLfeyrissj;WshjkrunarfrWingaviWB-deildLfeyrissj;Wsstarfsmanna F&"+ rkisins.i0JǞ݌'", Ќ    RkisendurskoWunteluraWvegnafkkunarvirkrasj;WflagaLfeyrissj;WshjkrunarfrW '#- inga',F&dԀsrttaWsameinahannB-deildLfeyrissj;Wsstarfsmannarkisins.:skaWvareftiraf (z$. stWurWuneytisinstilYessararbendingar.Fjrmla-ogefnahagsrWuneytiWersmuskoW - unar.HafastarfsmennLfeyrissj;WsstarfsmannarkisinstekiWsamangreinargerWumkosti  Yessoggallaoghefurstarfsh;piveriWfaliWaWvinnannaritillgurgrundvelli_ttektar  innar_.AWmati_fjrlaganefndar_ԀermliWeWlilegumfarvegiog;skarhneftiraWniWurstWur a h;psinsverWikynntarnefndinniYegarYrliggjafyrir. Y, "i0J'"  i0J112%  40  .3  Ԉ0    _Eftirlaunasj;Wir_ԀverWilagWirniWur.i0J#݌ Ќ    RkisendurskoWunhefurlagttilaW_Eftirlaunasj;Wur_ԀfyrrverandistarfsmannaBtvegsbanka   0slandsog_Eftirlaunasj;Wur_Ԁfyrrverandibankastj;raBtvegsbanka0slandsverWiformlega  X lagWirniWurmeW_rekstrarhagrWingu_ԀogsparnaWhuga.Fjrmla-ogefnahagsrWuneytiW P #  bentiaWumsUslaYessarasj;WavarflutttilLfeyrissj;Wsstarfsmannarkisinsumram;tin    2010/2011ogYvsYegarbiWaWnframYeirri_rekstrarhagrWingu_ԀogYeimsparnaWisem    RkisendurskoWunleggurtil.AWmati_fjrlaganefndar_Ԁtelst_bendingin_Ԁafgreidd.   "i0J("  i0J112%  41  .3  Ԉ0    BrskUrslu_Rkise& , ndurskoWunar_Ԁum_rkisbyrgWir_ԀogaWrarfjrhagslegarskuldbindingar G  semekkikomaframfjrlgumeWa_fjraukalgum_.i0J݌  Ќ    0liti_fjrlaganefndar_ԀfyrrgreindriskUrslufr24.okt;bererboWuWnnariumfjllunum   einstkmlsemekki',GԀkomafram_endurskoWunarskUrslum_Ԁ2009og2010. {  Harp& a an. >   BiWeraWfraskuldbindingarrkisinsvegna_stofnkostnaWar_ԀskUringar_rkisreiknings_.   Hins'a>,vegarreyndist_rekstrarniWurstaWan_ԀundirvntingumogverWurekkiannaWsWenfram  haldandi_hallarekstur_ԀsframundanaW;breyttumforsendum.FjrlaganefndtelurafarbrUnt r aWstj;rnvldgrpitilviWeigandi_rWstafana_ԀtilaWkomavegfyrirframhaldandi_hallarekstur_. j= SkuldbindingarA-deildarLfeyrissj;Wsstarfsmannarkisins.    RkisendurskoWunleggurhersluaWniWurstaWafistumhvortrkissj;WiberiaWfratil  skuldarhjsrhallaA-deildarinnarsem;greiddiWgjldrslok2010.UmverulegafjrhW i eraWrWa.FjrlaganefndteluraWsniWurstaWaYurfiaWliggjafyrireigisWarenviWtgfu a4 _rkisreiknings_Ԁ2012. , SkuldbindingarvegnalfeyrisrttindaaWilasemekkiteljast_rkisaWilar_.    StarfsmennUmissaflagaogsamtakasemekkigetatalisteiginlegir_rkisaWilar_Ԁhafa `  gegnumtWinafengiWaWildaWLfeyrissj;WistarfsmannarkisinsogLfeyrissj;Wihjkrunar X+! frWinga.MYarnefnastarfsmennsparisj;Wastttarflaga,stj;rnmlaflokka,sveitarflaga #" ogUmissaaWilameW_bakbyrgW_Ԁsveitarflaga,svosem_sjlfseignarstofnana_ԀYeirravegum. # SamamligegnireinnigumstarfsmennUmissa_heilbrigWisstofnana_ԀsemgreidduiWgjldtil  $ Lfeyrissj;WshjkrunarfrWinga.XaWsemuppvantartilaW_launagreiWendur_ԀgetistaWiWskil !W% _m;tframlagi_Ԁlendirrkissj;Wivegna_bakbyrgWar_Ԁhans.AfYessaristWuhefurhelmingur O""& skuldbindingar_launagreiWenda_Ԁsemnamalls17,3milljrWumkr.rslok2010veriWfrWur #' rkisreikningisemhlutiaf_lfeyrisskuldbindingum_Ԁrkisins,Y.e.8,8milljarWarkr.Rkisendur #( skoWunlUsirhyggjumyfiraWfjrhagsstaWamargraYessarastofnanaermeWYeimhttiaW $ ) ekkiverWursWaWYrhafiaW;breyttubolmagntilaWstandaundir_lfeyrisskuldbindingum_ {%N!* snumaWfulluYegartilgreiWsluYeirrakemur.XaWerlit_fjrlaganefndar_ԀaWstarfsmenn F&"+ flagaogsamtakasemekkigetatalist_rkisaWilar_ԀfiframvegisekkiaWildaWLfeyrissj;Wi '", starfsmannarkisinsogrttsaWbreytalgumumsj;WinnYessefnis.Fjrlaganefndbeinir '#- Yvtilstj;rnvaldaaWbregWastviWYessaribendingu. (z$. Ї  AWlokumvillnefndinbendatarlegtlitsittskUrslu_RkisendurskoWunar_Ԁumendur - skoWun_rkisreiknings_Ԁ2009.FjrlaganefndfagnarYvaWbrugWisthefurveriWviWUmsum  athugasemdumsemYarkomaframentrekarmikilvgiYessaWYaWsemennstendurtaf  verWifrttilbetrivegarsemfyrst. a   FjrlaganefndYakkarRkisendurskoWunfyrirskUrslunaogllumhlutaWeigandiaWilum Y, fyrirskj;tviWbrgWogsamstarfviWvinnsluhennar. $     @  AlYingi,26.n;vember2012.    P #.UUUUUU>>. @ | sbjrn:ttarsson,     @| _frsm_.        @@  BjrnValurGslason,    form.      @  +x BjrgvinG.SigurWsson.    .UUUUUU> > . S &  r c  .UUUUUU>>. @tt| GuWrnErlingsd;ttir.  c   @  HskuldurX;rhallsson.  c   @EE+x KristjnX;rJlusson.  c  .UUUUUU> > . &  rc6  .UUUUUU>>. @   | LWvkGeirsson. c6   @  MagnsOrriSchram. c6  @)xRagnheiWurRkharWsd;ttir.