WPC 0 96 &f_)uY C^ou`MiHגHgVCh1#\hj;۾#E @SYz,nuC5J䨫{*'JGG)#+4h}'dپT Gjl_dAw~ՓŌtiG"vu{PEBb)w& <"-_lqUz ?c!aA)Ҿm&΅w nKPQ3pySm~UN %& 0, ##( 4H mJ>aw^ 4Z 0(, B-T 0 0; 0DX 0$ 0 0V 0B 0X 06  0hB 0v 0 " 0($ 0f*% 0% 08' 0( 0* 0u, 0+. 0/ 01 0(a3 04 0636 0i7 069 0I: 0; 07= 05? 0B 0@C 0C 0E 0tG 0mI 0oK 0 M 0oN 0oQ 0qS 0U 0V 0W 0W 06X 0X 0TY 0Y 0rZ 0[ 0[ 0\ 0\ 0=] 0] 0[^ 0^ 0y_ 0` 0` 0.a 0a 0Tb 0b 0zc 0 d 0d 03e 0,f 0"g 0hNi 0i 0j 0j 0k 1l 0gm 0Wn 0jq 0cr 0Ys 0Ot 0bw 0Xx 0w{ 0 uj| 0| 0w} 0I~ 09 0 0ƀ 0 1u{ 0 0 B߄ 0 0 0$ۇ 0 0 0 0ҋ 0Œ 0U 0 0{ 0 0 04 72ǐ 0/ 0 1N 0d 0dS 0d 0d 0d 0d 0dG 0d 0d 0ds 0dנ 0d; 0d 0d 0dg 0d˧ 0d/ 0d 0 0U: 0( 0" 0M 0 0 0D 0: 1e. 7U&,U\>ͶU. U,9 0ee(-&d9 Z6Times New Roman RegularX(D$,..,BTRW6&A4W6&A4 6&A4 6&A4T ? BB0?vvbX0#ggdd  8Bdd8ISUS,.     ^^` Adobe PDF 0 W:\WP2000\SKJRI~IZ.WPTUW:\WP2000\SkjritunY2k-nytt.wptsPvNrirs?g3|x8DocumentManagement::ModifiedBooleanTRUE($)Hairline dT:Balloon Tex1Balloon Text   A $TahomaA        S\  `&Times New RomanS    (%2"$ D!,..,XoXXXTRW6&A4X3' Letter 6&A43'LetterT ? 2XXo0?vvbX0#ggdd  82dd8ISUS,.     ^^`     0  0  (#$  0  ^Zl:Balloon TextBalloon Text CharA $TahomaA   S\  `&Times New RomanSd:annotation rannotation reference   `:annotation sannotation subject   S\  `&Times New RomanS             S\  `&Times New RomanSdoo:Comment SubjComment Subject CharS\  `&Times New RomanS     S\  `&Times New RomanSZ:annotation tannotation text   S\  `&Times New RomanS            S\  `&Times New RomanS^ll:Comment TextComment Text CharS\  `&Times New RomanS   S\  `&Times New RomanSh:Default ParaDefault Paragraph Font4*Flm.Flm.    S\  `&Times New RomanS         S\  `&Times New RomanS   <.footerfooter      S\  `&Times New RomanS     N  5+ 9 #q [5    S\  `&Times New RomanS   Pll8Footer CharFooter Char   S\  `&Times New RomanSS\  `&Times New RomanS   `:footnote reffootnote referenceV:footnote te1footnote text S\  `&Times New RomanS    S\  `&Times New RomanS       S\  `&Times New RomanS`ll:Footnote TexFootnote Text CharS\  `&Times New RomanS   S\  `&Times New RomanSh :Fyrirsgn/ gFyrirsgn/ greinarger    S\  `&Times New RomanS#        #dd   S\  `&Times New RomanS   j :Fyrirsgn/ sFyrirsgn/ skjalategund X    S\  `&Times New RomanS              S\  `&Times New RomanSn:Fyrirsgn/ uFyrirsgn/ undirfyrirsgn '   S\  `&Times New RomanS        S\  `&Times New RomanS   \:GreinarfyrirGreinarfyrirsgn    S\  `&Times New RomanS         S\  `&Times New RomanS   T :GreinarnmerGreinarnmer    S\  `&Times New RomanS           S\  `&Times New RomanS   <.headerheader      S\  `&Times New RomanS     a  5+ 9 #q [5    S\  `&Times New RomanS   Pll8Header CharHeader Char   S\  `&Times New RomanSS\  `&Times New RomanS   H 4Heading 1Heading 1    S\  `&Times New RomanS           S\  `&Times New RomanS   Xoo:Heading 1 ChHeading 1 Char   S\  `&Times New RomanS S\  `&Times New RomanS   H 4Heading 2Heading 2    S\  `&Times New RomanS          S\  `&Times New RomanS   Xoo:Heading 2 ChHeading 2 Char   S\  `&Times New RomanS S\  `&Times New RomanS   X:KaflafyrirsKaflafyrirsgn    S\  `&Times New RomanS         S\  `&Times New RomanS   X:List ParagraList Paragraph      S\  `&Times New RomanS X       S\  `&Times New RomanS   t :Millifyrirs1Millifyrirsgn 1/ feitletra    S\  `&Times New RomanS    ," vN; ,   5+ 9 #q [5     S\  `&Times New RomanS   r :MillifyrirsMillifyrirsgn 2/ skletra    S\  `&Times New RomanS    ," vN; ,   5+ 9 #q [5    S\  `&Times New RomanS   j:Nmer ings/Nmer ings/skjals/mls    S\  `&Times New RomanS        S\  `&Times New RomanS   @0No ListNo ListL6No SpacingNo Spacing   &&&C\  `CambriaC  ," vN; ,  5+ 9 #q [5   S\  `&Times New RomanS   X:Normal/ mijNormal/ mija    S\  `&Times New RomanS         S\  `&Times New RomanS   L6TflutextiTflutexti S\  `&Times New RomanS            S\  `&Times New RomanS^S:Thingskal 1-Thingskal 1-a-1-a  b 8.9 #q [8   S\  `&Times New RomanS23  S\  `&Times New RomanS..   S\  `&Times New RomanS8.9 #q [8  b \k:Thingskjal " Thingskjal " " "  b A\ Y`SymbolA23  S\  `&Times New RomanS..S\  `&Times New RomanS  b \k:Thingskjal -Thingskjal - - -  b A\ Y`SymbolA23  S\  `&Times New RomanS..S\  `&Times New RomanS  b `S:Thingskjal 1Thingskjal 1-a-1-a  b 8.9 #q [8   S\  `&Times New RomanS23  S\  `&Times New RomanS..   S\  `&Times New RomanS8.9 #q [8  b `S:Thingskjal aThingskjal a-1-a-1  b 8.9 #q [8   S\  `&Times New RomanS23  S\  `&Times New RomanS..   S\  `&Times New RomanS8.9 #q [8  b bS:Thingskjal iThingskjal i-1-ii-1  b 8.9 #q [8   S\  `&Times New RomanS23  S\  `&Times New RomanS..   S\  `&Times New RomanS8.9 #q [8  b 4+ *L9-1L9-1  D 23  ..   4+ *L9-2L9-2   23  ..   4+ *L9-3L9-3 j  23  ..   4+ *L9-4L9-4  L 23  ..   4+ *L9-5L9-5   23  ..   4+ *L9-6L9-6 j  23  ..   4+ *L9-7L9-7  T 23  ..   4+ *L9-8L9-8   23  ..   4+ *L9-9L9-9 j  23  ..   4+ *L6-1L6-1  D 23  ..   4+ *L6-2L6-2   23  ..   4+ *L6-3L6-3 j  23  ..   4+ *L6-4L6-4  L 23  ..   4+ *L6-5L6-5   23  ..   4+ *L6-6L6-6 j  23  ..   4+ *L6-7L6-7  T 23  ..   4+ *L6-8L6-8   23  ..   4+ *L6-9L6-9 j  23  ..   8+ ,L11-1L11-1  , 23  ..   8+ ,L11-2L11-2  X 23  ..   8+ ,L11-3L11-3   23  ..   8+ ,L11-4L11-4   23  ..   8+ ,L11-5L11-5   23  ..   8+ ,L11-6L11-6   23  ..   8+ ,L11-7L11-7  4 23  ..   8+ ,L11-8L11-8  ` 23  ..   8+ ,L11-9L11-9   23  ..   4P+J *L7-1L7-1  b 8.9 #q [823  ..   2( 9 #q [24M+J *L7-2L7-2  N 5+ w9 #q [523  ..   2( 9 #q [24M+J *L7-3L7-3  ; 5+ c9 #q [523  ..   2( 9 #q [24M+J *L7-4L7-4  ( 5+ P9 #q [523  ..   2( 9 #q [24J+J *L7-5L7-5   2( = #q [223  ..   2( 9 #q [24J+J *L7-6L7-6   2( ' #q [223  ..   2( 9 #q [24G+J *L7-7L7-7   /%  #q [/23  ..   2( 9 #q [24G+J *L7-8L7-8   /%v  v #q [/23  ..   2( 9 #q [2ikmo %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.4G+J *L7-9L7-9   /%a  a #q [/23  ..   2( 9 #q [2(3$ D!,..,XoXXXTRW6&A4X3' Letter 6&A43'LetterT ? 2XXo0?vvbX0#ggdd  82dd8ISUS,.     ^^`   4P+J *L2-1L2-1  b 8.9 #q [823  ..   2( 9 #q [24M+J *L2-2L2-2  N 5+ w9 #q [523  ..   2( 9 #q [24M+J *L2-3L2-3  ; 5+ c9 #q [523  ..   2( 9 #q [2(3$ D!,..,XoXXXTRW6&A4X3' Letter 6&A43'LetterT ? 2XXo0?vvbX0#ggdd  82dd8ISUS,.     ^^`   4M+J *L2-4L2-4  ( 5+ P9 #q [523  ..   2( 9 #q [2(3>$ D!,..,XoXXXTRW6&A4X3' Letter 6&A43'LetterT ? 2XXo0?vvbX0#ggdd  82dd8ISUS,.     ^^`    d 4J+J *L2-5L2-5   2( = #q [223  ..   2( 9 #q [2(Me$2%  0  .3  0  4J+J *L2-6L2-6   2( ' #q [223  ..   2( 9 #q [2(O;$0  2#  a  .3  0` (#(#4G+J *L2-7L2-7   /%  #q [/23  ..   2( 9 #q [2(u$0  0` (#(#` `  2  a  .3  0` (#` (#4G+J *L2-8L2-8   /%v  v #q [/23  ..   2( 9 #q [2(`$0  0` (#(#0 ` (#` (#0 (# (#"h2  0  .3  0(#(#4G+J *L2-9L2-9   /%a  a #q [/23  ..   2( 9 #q [23#37=CIQYag1.a.i.(1)(a)(i)1)a)4P+J *L1-1L1-1  b 8.9 #q [823  ..   2( 9 #q [24M+J *L1-2L1-2  N 5+ w9 #q [523  ..   2( 9 #q [2 d4M+J *L1-3L1-3  ; 5+ c9 #q [523  ..   2( 9 #q [24M+J *L1-4L1-4  ( 5+ P9 #q [523  ..   2( 9 #q [24J+J *L1-5L1-5   2( = #q [223  ..   2( 9 #q [2  gJj+,..,XgXXX?  ^XXg0?vvbX0#ggdd  ISUS,.   d  ݀4J+J *L1-6L1-6   2( ' #q [223  ..   2( 9 #q [24G+J *L1-7L1-7   /%  #q [/23  ..   2( 9 #q [24G+J *L1-8L1-8   /%x  x #q [/23  ..   2( 9 #q [24G+J *L1-9L1-9   /%e  e #q [/23  ..   2( 9 #q [28+ ,L10-1L10-1   23  ..   8+ ,L10-2L10-2   23  ..   8+ ,L10-3L10-3 j V 23  ..   8+ ,L10-4L10-4   23  ..   8+ ,L10-5L10-5   23  ..   8+ ,L10-6L10-6 j ^ 23  ..   8+ ,L10-7L10-7   23  ..   qi)8+ ,L10-8L10-8   23  ..    %y_8+ ,L10-9L10-9 j f 23  ..    gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)4Y~Y *L3-1L3-1  b A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA4Y~Y *L3-2L3-2  N A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA4Y~Y *L3-3L3-3  ; A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA4Y~Y *L3-4L3-4  ( A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA4Y~Y *L3-5L3-5   A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA4Y~Y *L3-6L3-6   A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA4Y~Y *L3-7L3-7   A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA4Y~Y *L3-8L3-8   A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA4Y~Y *L3-9L3-9   A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA4Y~Y *L4-1L4-1  b A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA4Y~Y *L4-2L4-2  N A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA4Y~Y *L4-3L4-3  ; A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA4Y~Y *L4-4L4-4  ( A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA4Y~Y *L4-5L4-5   A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA4Y~Y *L4-6L4-6   A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA4Y~Y *L4-7L4-7   A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA4Y~Y *L4-8L4-8   A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA4Y~Y *L4-9L4-9   A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA8P+J ,L12-1L12-1  b 8.9 #q [823  ..   2( 9 #q [28M+J ,L12-2L12-2  N 5+ w9 #q [523  ..   2( 9 #q [24cp Z "Times Regular8M+J ,L12-3L12-3  ; 5+ c9 #q [523  ..   2( 9 #q [28M+J ,L12-4L12-4  ( 5+ P9 #q [523  ..   2( 9 #q [28J+J ,L12-5L12-5   2( = #q [223  ..   2( 9 #q [28J+J ,L12-6L12-6   2( ' #q [223  ..   2( 9 #q [28G+J ,L12-7L12-7   /%  #q [/23  ..   2( 9 #q [28G+J ,L12-8L12-8   /%v  v #q [/23  ..   2( 9 #q [2 : e),..,XXXX? XX0?vvbX0#ggdd  ISUS,.   _>? Ҁ8G+J ,L12-9L12-9   /%a  a #q [/23  ..   2( 9 #q [2!35;AGMSY_11.a.1.a.1.a.1.a.1.\ Y`Symbol\  `&Times New Roman\  `Cambria $Tahoma(xir$0  0` (#(#0 ` (#` (#2#(  0  )3  0 (# (#  a',..,XXXX? XX0?vvbX0#ggdd  ISUS,.   _Ԁ Xingskjal&BreytingartillagabyrgWasj;W starfshlutfall velferWarnefnd"starfshlutfallilaunamaWurvinnuframlagslaunamanniheildarlaunalaunamannsmlslkrorWistminnkaWa"vinnslut1mabilefnismgr D!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? XX0?vvbX0#ggdd  8dd8ISUS,.     ^^`   _ >?  _ikmo(%03q 9150.lggjafarYing2019!2020. ( Xingskjal1154"664.ml.  2.umrWa.     EF  Breytingartillaga# EF|#     viWfrumvarptillagaumbreytingulgumumatvinnuleysistryggingaroglgum   umbyrgWasj;Wlauna(minnkaWstarfshlutfall).   X FrvelferWarnefnd.    "ie"  ie 2%  1  .3  Ԉ0    ViWaliW1.gr.ie 8݌  Ќ  "m"  m0  0 2%  a  .3  Ԉ0v  0staWorWanna?hlutfallslegaum20%hiWminnstaoglaunamaWurhaldiWaWlgmarki wO  50%starfshlutfalli 1.mgr.komi:um20pr;sentustighiWminnstaoglaunamaWur B  haldiWaWlgmarki25%starfshlutfalli.Atvinnurekandaer;heimiltaWkrefjastvinnu    framlagsfrlaunamanniumframYaWstarfshlutfallsemeftirstendurYegarstarfs   hlutfallhefurveriWminnkaW.m*݌{ vv Ќ  "m"  m 0  0ww 2%  b  .3  Ԉ0v  0staWorWanna?80%afmeWaltaliheildarlaunalaunamanns 2.mlsl.2.mgr.komi: nF 700.000kr.mnuWiogskuluekkinemahrrifjrhWen90%afmeWaltaliheildar 9 launalaunamanns.m & ݌vv Ќ  "m"  m 0  0 2%  c  .3  Ԉ0v  3.mgr.orWistsvo:m % ݌vv Ќ  "ir"  ir 0  002%3  0v   b SamtalalaunafrvinnuveitandafyrirhiWminnkaWastarfshlutfallog r atvinnuleysisb;tasamkvmtkvWiYessuskalekkistaskerWinguskv.2.mlsl. e= 2.mgr.efmeWaltalheildarlaunalaunamannserundir400.000kr.mnuWimiWaWviW 0 fulltstarf.EfmeWaltalheildarlaunalaunamannseryfir400.000kr.mnuWimiWaW  viWfulltstarfmskerWingskv.2.mlsl.2.mgr.aldreiverWatilYessaWsamtalalauna  frvinnuveitandafyrirhiWminnkaWastarfshlutfallogatvinnuleysisb;tasamkvmt i YessukvWinemisamanlagtlgrifjrhWen400.000kr.mnuWimiWaWviWfullt \4 starf.ir ? ݌'vv Ќ  "m"  m40  0ww 2%  d  .3  Ԉ0v  5.mgr.orWistsvo:m4a݌vv Ќ  "ir"  irN0  002%3  0v   b HeimilteraWgreiWabtursamkvmtYessukvWiY;ttlaunamaWurteljistekki  tryggWurskilningilaganna,svosemvegnanms,sbr.52.gr.,eWaskilyrWaum `  vinnslutmabil,sbr.15.gr.,endasskilyrWumkvWisinsfullngt.nnurkvWi S+! lagannagildaumgreiWslub;tasamkvmtYessukvWieftirYvsemviWgeturtt. " GreiWsluratvinnuleysisb;tasamkvmtkvWiYessuskerWaekkiunninrttinditil # greiWsluatvinnuleysisb;tasamkvmtlgunum.irN{݌ $vv Ќ  "ie"  ie2%  2  .3  Ԉ0    0staW?1.jl2020 7.mgr.a-liWar1.gr.,3.mgr.bliWar1.gr.og3.efnismgr.2.gr. !W% komi:1.jn2020.ie݌J""& Ќ