WPC"( gI\JG2g6L̞G\g@`K}a DG7 .Awz" # gL7'Gg ::P+b׷RJxGڅJ*͍MG^h~ (Ub*Ni%V8e? ^X&]$6@4y%4N@ZJ1kOQQ ]_IKUMiJgOw 4&͞ Qf>R3E0jUuQK0a)ҩ=AmDHXGգV*ߴ$&,D9R ؟vGw^&nBl7auȩ˻АsГ8T#_D\-ɕnC|RiE`-H1kS?ƨhPNP摱7v*UL,G8N )x<|ޡc:JIۯ7UNv % 0 # 4> mw4^ -9/H 0(w B-Z 0;& 0DafaN 1 0nnnn 0 0 0c!! 0w"" 0"" 0*#*# 1u#### Bd$d$d$d$$$$$$$$$$$$$$ 72%%%% 1%%%%%%%%%%%%%%%%%%%%%U:x&x&x&x&M&&&&D&&&&&&('&d9 Z6Times New Roman RegularX(y$,..,*TRW6&A4W6&A4 6&A4 6&A4T ? **0?vvbX0#ggdd  8*dd8ISUS,.     ^^` Adobe PDF  0W:\WP2000\SKJRI~IZ.WPTW:\WP2000\SkjritunY2k-nytt.wptU!WFrirs?gF=I3|x %y_($)Hairline d8DocumentManagement::ModifiedBooleanTRUE(%2$ y!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? ; XX0?vvbX0#ggdd  8; dXXd8ISUS,.     ^^`     0  0  (#$  0   TABLE A  a',..,XXXX? #HXX0?vvbX0#ggdd  ISUS,.   ݀ikmo!%Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.(3$ y!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? ; XX0?vvbX0#ggdd  8; dXXd8ISUS,.     ^^`   (3$ y!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? ; XX0?vvbX0#ggdd  8; dXXd8ISUS,.     ^^`   (3$ y!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? ; XX0?vvbX0#ggdd  8; dXXd8ISUS,.     ^^`    d (;3$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) d  g+,..,XXXX? #HXX0?vvbX0#ggdd  ISUS,.   d  ݀qi) gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)4cp Z "Times Regular : e),..,XXXX? #HXX0?vvbX0#ggdd  ISUS,.   _>? Ҁ y!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? #HXX0?vvbX0#ggdd  8#Hdd8ISUS,.     ^^`   _ >?  _ikmo(%03q  9145.lggjafarYing2015!2016.3PrentaWupp. ( Xingskjal1729"817.ml.3^R\#H Undirskrift.##H\^R#Ԉ   2.umrWa.     h#H  Nefndarlit##H h#   2  umfrumvarptillagaumbreytingarlgumumvextiogverWtryggingu,   nr.38/2001,meWsWaribreytingum(verWtryggWneytendaln).  X Fr1.minnihlutaefnahags-ogviWskiptanefndar.      0frumvarpiYessuerlagttilaWfrogmeW1.janar2017verWi;heimiltaWveitaneytenda   lntillengritmaen25rasYaWverWtryggtogmeWjafngreiWslufyrirkomulagi.X;verWi wO  framheimiltaWveitaslklnaWfullngWumtilteknumskilyrWumsemvarWaaldurogtekjur B  lntaka.MeWWrumorWum,hrerulagWartilkveWnartakmarkanirverWtryggWumfast    eignalnumtil40rasemhafaveriWeinalgengastategundfasteignalnahrlandi.     YfirlUstmarkmiWfrumvarpsinseraWstemmastiguviWYeirrihttusemfelstverWtryggW {  umlangtmafasteignalnumenvsaWertilYess;kostarslkralnaaWgreiWslumafhfuWst;l nF erfrestaWYannigaWeignamyndunverWurhgogjafnvelneikvW.0athugasemdumviW 9 frumvarpiWkemureinnigframaWriW2015hafiverWtryggWjafngreiWslulntil40ranumiW  um78%allranUrrabWalna.Rkisstj;rninhyggstYvstgainnhegWunlnamarkaWimeW  YessumtakmrkunumenY;mgerarWfyriraW30!50%lntakafalliundirundanYgu r kvWifrumvarpsinsvegnaaldurs,5!10%vegnateknaog5!15%vegnaveWsetningar.0 e= heildinamYvgerarWfyriraWalltaW75%lntakafalliundirundanYgukvWifrum 0 varpsinsogYeirhafiYannigframheimildtilaWtakaverWtryggWjafngreiWslulntillengri  tmaen25ra.    FrumvarpiWvarkynntmeWtalsverWriviWhfnHrpueftirtluverWaumrWuumaWrkis i stj;rninmundibrWlegakynnaaWgerWirsnartilaWafnemaverWtryggingu.Xeirsemttuvon \4 afnmiverWtryggingarhafavntanlegaorWiWfyrirverulegumvonbrigWumendaerfrum ' varpiWhvorkifuglnfiskur.TmsirumsagnaraWilarsemhugasamireruumafnmverW  tryggingarbendaeinmittaWnrhefWiveriWaWbannaYverWtryggWtln.Raunarermat  undirritaWraraWekkiYurfisWuraWrWaverWtryggingufjrmagnsinshrlandiefstefna `  aWafnmiverWtryggingar. S+!   EffrumvarpinuertlaWaWdragarvgiverWtryggingarerhinsvegarrttaWnefnaaW " umsgnumumfrumvarpiWkomaframverulegarefasemdirviWaWYaWYj;niyfirlUstumtil # gangisnum.  $   0umsgnumAlYUWusambandsinsog0bWalnasj;WsertilaWmyndalUstsrstkum !W% hyggjumaftekjulgumheimilumenYessilnhafaeinmittveriWtalsverttekinafslkum J""& heimilumvegnaYessaWgreiWslubyrWinafYeimerfyrirsjanlegrienaf;verWtryggWum #' lnum.0umsgnAlYUWusambands0slandserbentaWframmunireynastunguf;lkiog #( tekjulgumheimilumerfitt,eWajafnvel;mgulegt,aWrWaviWgreiWslubyrWistyttrilna $ ) og/eWa;verWtryggWralnaenundanYgurnargeriaWverkumaWYessumh;pumverWifram v%N!* veitthinhttusmuverWtryggWujafngreiWslulntil40ra.MeWYessumbreytingumsekki A&"+ gerWneintilrauntilaWtakastviWhinraunverulegavandasemfelisthumvxtumog  '",  glluWuhsnWislnakerfi. '#-  9  y      &   SeWlabanki0slandsogFjrmlaeftirlitiWlUsaefasemdumumtilhgunina.0umsgnsinni ( bendirSeWlabankinn'(ԀaWhelstikosturverWtryggWralnafyrirlntakenduroglnveitendur  sfyrirsjanleikiraungreiWslubyrWioglUsirefasemdumumYleiWaWbannatiltekiWlns  form,YaWmunibestafallifkkavalkostumYeirrasemskjasrlnsf.Hinsvegarerbent a YaWumsgnFjrmlaeftirlitsinsaWnnurlnsformkunniaWkomafram,t.d.meWvaxta T, greiWsluYaki,semhafiraunsmueiginleikaogverWtryggWjafngreiWsluln,YannigaWtak  mrkunYeirraleysiekkivandannsemhenniertlaWaWleysa.VnlegrileiWsaWsetja  reglurumhmarksveWsetningarhlutfalleinsoggerthafiveriWannarsstaWarNorWurlndum   enaWaukihafiSvYj;WogNoregursettreglurumlgmarksafborgunarhlutfall.  X   0stuttumlisagtendurspeglaumsagnirogmlYeirragestasemkomufundefnahags- K #  ogviWskiptanefndar;lj;smarkmiWfrumvarpsinsogalgjrlegaer;vsthvortYrleiWirsem    lagWarerutilskilinokkrumrangriaWnhinum;lj;sumarkmiWum.NiWurstaWaundir    ritaWrareraWfrumvarpiWsfyrstogfremstleiWtilnsttumauglj;sumskoWanagreiningi   stj;rnarflokkannaumverWtryggingunaenYaWsennhulduhvaWahrifkvWiYessmuni wO  hafa.Ennfremurerlj;staWfortakslaustloforWFrams;knarflokksinsumafnmverWtrygging B  arverWurekkiefntmeWYessumli.      BirgittaJ;nsd;ttirheyrnarfulltrilUsirsigfylgjandiYessuliti.     AlYingi,27.september2016. nF ?*ddd Xdd Xdd X>>, ", "+  3)99 m3KatrnJakobsd;ttir, ~ frsm. 5+qI##$$ 5GuWmundurSteingrmsson./%#~ m ##$$ /