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'  NmsamhliWavinnu(5.gr.).     03.mgr.5.gr.erkveWiWumaWnmsemerskipulagtsamhliWavinnusekkilnshft `  tilframfrslu.ViWmeWferWmlsinsvarbentaWkvWiWgtiunniWgegnaWgerWum S+! menntaogmenningarmlarWherraumlaunaWstarfsnmenmikilvgtvriaWkennaranemar " getis;ttumframfrslulnsamhliWastarfsnmi.MeirihlutinnbendiraWkvWiWhefurekki # hrifframangreindaraWgerWirYarsemstarfsnmkennaranematelstekkinmsemer  $ skipulagtsamhliWavinnu. !W%   Xkomuframsj;narmiWumaWkvWiWvriekkin;guskUrthvaWvarWartegundnms J""& ogtegundlns.TilaWaukaskUrleikaYessleggurmeirihlutinntilbreytingarYessefnisaW #' hlutanm,svosemnmsemerskipulagtsamhliWavinnu,seingngulnshfttilsk;la #( gjalda,sbr.3.mgr.2.gr. $ )  SkilyrWifyrirnmsaWstoW(8.gr.) A&"+    08.gr.komaframalmennskilyrWisemnmsmennverWaaWuppfyllatilaWeigartt  '", nmsaWstoW.EittYeirraskilyrWaeraWnmsmaWurYiggiekkinmsaWstoWfrWrurkivegna '#- lnshfsnms,sbr.5.tlul.8.gr.ViWmeWferWmlsinskomframathugasemdYessefnisaW (z$. gtaYyrftiYessaWstyrkirfrerlendurkitilafburWanemendaskertuekkirttslenskra ( nmsmannasemYhlj;tatilnmsaWstoWar.0greinargerWfrumvarpsinsernmsaWstoWskil  greindmeWYeimhttiaWttsviWnmsln,styrkvegnaframfrslubarna,niWurfellingu  hlutanmslnaviWnmslokogUmsarvilnanir.MeirihlutinntelurYvlj;staWstyrkirfr a WrurkivegnanmsrangursfalliekkiYarundirenleggurtilorWalagsbreytingar5.tlul. T, 8.gr.YvtilskUringar.   MiWlunpers;nuupplUsinga(3.mgr.12.gr.).      Samkvmt3.mgr.12.gr.errkisskattstj;raskyltaWltaMenntasj;WinmsmannaeWa  X innheimtuaWilanmslnatupplUsingarumlnYegasemnauWsynlegareruviWframkvmd K #  laganna,YarmeWalupplUsingarumtekjurlnYegaogtekjurmakaogforeldralnYegaYegar    viW.0umsgnrkisskattstj;rakomframaWmeWkvWinuvrilgWvWtkupplUsinga    skyldarkisskattstj;rasemgtifariWbgaviWYagnarskylduembttisinssamkvmtlg   umumtekjuskatt,nr.90/2003.Xvri;heppilegtaWMenntasj;WivrifaliWaWmetahvaWa wO  upplUsingarteldustnauWsynlegarfyrirframkvmdlagannannnariafmrkunar. B    MeirihlutinnbendiraWumsgnPers;nuverndarogminnisblaWirWuneytisinskemur    framaWmenntaogmenningarmlarWuneytiWhafileitaWumsagnarstofnunarinnarviWsamn   ingufrumvarpsinsoghafiPers;nuverndskilaWinntarlegriumsgnoghafirWuneytiW {  brugWistviWYeimathugasemdumsemgerWarvoru.XbarstnefndinnitarlegviWb;tarumsgn nF Pers;nuverndarvegnaathugasemdaviW3.mgr.12.gr.MeirihlutinnbendiraWskv.3. 9 mlsl.4.mgr.12.gr.skalviWmeWferWpers;nuupplUsingasemaflaWervegnaums;knarum  nmslneWaums;knarumfrestunendurgreiWslu,eWavegnaframkvmdarlagannaaWWru  leyti,gtaYessaWuppfylltsuskilyrWilagaumpers;nuverndogvinnslupers;nuupplUsinga r ogreglursemsettarhafaveriWgrundvelliYeirra.Xervinnslapers;nuupplUsingaafhlfu e= Menntasj;WsnmsmannaeWainnheimtuaWilavallthWYvaWhnfariframtengslumviW 0 tilgangYeirrarvinnslusamkvmtkvWumfrumvarpsins.0kvWinufelstYannigekki  takmarkalausheimildumrddraaWilatilaWaflapers;nuupplUsingafrrkisskattstj;ra.Meiri  hlutinntelurYvaWkvWilagannasusamrmiviWlgogreglurumpers;nuvernd.Auk i YessbendirmeirihlutinnaWYeirsemstarfavegumsj;WsinserubundnirYagnarskyldu, \4 sbr.33.gr. '  Lnakjr(16.!18.gr.).     ViWmeWferWmlsinsvareinkumfjallaWumvextinmslnaannarsvegarafverWtryggWum `  lnumskv.17.gr.oghinsvegar;verWtryggWumlnumskv.18.gr.0bWumtilvikumskulu S+! vextirverabreytilegirogbyggjastvaxtakjrumsemrkissj;Wibj;WastmarkaWiaWviW " bttufstuvaxtalagisemtekurmiWafvntumaffllumafendurgreiWslunmslna.Xer # 3.mgr.17.og3.mgr.18.gr.frumvarpsinsgertrWfyriraWYriggjamannanefndfariyfir  $ stWurYessfarivextirverWtryggWralnayfir4%annarsvegarogvextir;verWtryggWralna !W% yfir9%hinsvegarogleggitilmgulegartfrslurbreytingum. J""&   FyrirnefndinnikomframmikilgagnrUniYettafyrirkomulag.Xvrislkur;fyrirsjan #' leikiumendurgreiWsluupphW;skilegur.EnnfremurmunduaWgerWirskv.3.mgr.17.gr. #( og3.mgr.18.gr.ekkidugaYarsemekkivrikveWiWmeWbeinumhttiumaWslkumaW $ ) stWumyrWubreytingargerWar. v%N!*   MeirihlutinnteluraWYrttfyriraWrkhngiaWYvaWvextirnmslnasubreytilegir A&"+ verWiaWgtaYessaWYeirkeyriekkiframrlluh;fi.MeirihlutinnleggurYvtilaWstaW  '",  YessaWkveWiWverWiumaWsrstknefndkomisamanviWtilteknaraWstWurogleggitil '#- mgulegartfrslurbreytingum&   verWiskUrtkveWiWumaWvaxtaYakverWtryggWralna ( verWialdreihrraen4%ogvaxtaYak;verWtryggWralnaaldreihrraen9%.'(=    Jafnframtkomuframsj;narmiWumnauWsynfrWsluumlnakjrtillnYegalj;siYess  aWYeirgetinvaliWumverWtryggtog;verWtryggtln,sbr.3.mgr.16.gr.Meirihlutinn a bendiraWofterumaWrWafyrstalnsemeinstaklingurtekurlfsleiWinniogbeinirYv T, tilmenntaogmenningarmlarWuneytisinsaWtryggjaaWgenginmsmannaaWskUrumleiW  beiningum,t.d.vefsvWisj;Wsins,ogaWendurgjaldslausrirWgjf.   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NokkrirumsagnaraWilarlgWutilaWendurgreiWslurmunduhefjastaWlengritmaliWnumen    aukYessvarbentaWhugtakiWnmslokYarfnaWistfrekariskUringar.Meirihlutinnrttar   aWannarsstaWarNorWurlndunumerendurgreiWslumalmennthagaWmeWYeimhttiaWYr wO  hefjistsWastalagirieftirnmslok.MeirihlutinntelurrverahfilegantmaYessusam B  hengiogbendiraWverWiverulegarbreytingarhgumlnYegaerhgtaWskjaumfrestun    endurgreiWsluaWkveWnumskilyrWumuppfylltum,sbr.23.gr.Xleggurmeirihlutinntil   breytingarYessefnis2.mlsl.1.mgr.19.gr.aWstj;rnMenntasj;WsverWifaliWaWskilgreina {  hugtakiWnmslokthlutunarreglumsamtYvaWleggjatilsambrilegarbreytingar4. nF mgr.16.gr. 9 Tekjutengdarafborganir.    01.mgr.21.gr.erlagttilaWlnYegasheimiltaWveljaaWendurgreiWanmslnsnmeW r tekjutengingusunmslokWureWaYvrier35raaldriernW.ViWmeWferWmlsinsvar e= tluvertfjallaWumYettafyrirkomulagogvaraldurstakmarkiWeinkumgagnrUnt,m.a. 0 grundvelliYessaWYeimvrimismunaWsemttuekkikostaWfaranmfyrrensWar  lfsleiWinni.0upplUsingumfrrWuneytinukemurframaWviWvinnslufrumvarpsinshafi  margvslegarsviWsmyndirveriWskoWaWar.0flestumtilfellumvrilklegraaWnmslnvru i greiddaWfullufyrir65raaldureflnYegihfiendurgreiWsluYvriYegarhannyrWi36 \4 raeWayngri.XvarbentaWrmlega70%Yeirrasembrautskrstrhsk;lumeru34ra ' eWayngri.MeirihlutinnbendiraWmeginreglansamkvmtfrumvarpinueraWendur  greiWslutminmslnaverWialmennthWurlntkufjrhWoglningreiddmeWmnaWar  legumendurgreiWslum.TekjutengdarafborganireruYannigundantekningfrYeirrimegin `  reglu.XaWermatmeirihlutansaWskilegtsaWtakmarkaheimildtilaWendurgreiWameW S+! tekjutengdumafborgunumYvskyniaWunntsaWbj;WauppmguleikannyfirhfuW. " MeirihlutinnbendirennfremuraWsamkvmtkostnaWarmatifrumvarpsinsergertrWfyrir # YvaWYrttfyriraWfastarafborganirsuhrriverWiendurgreiWslutminnskemmri,m.a.  $ vegnamguleikanmsmannsaWfhlutalnsinsniWurfelldanklrihannnmiWtilsettum !W% tmasemgagnistlangflestumlnYegum.XbendirmeirihlutinnaWlnYegaryfir35ra J""& aldrieigasamarttogaWrirbarnastyrkjumogWrumstyrkjum. #' Kynjahriftekjutengdraafborgana. $ )   SamkvmtupplUsingumfjrmlaogefnahagsrWuneytismunufastarafborganirnms v%N!* lnahkkaendurgreiWslubyrWiYeirrasemhafalgartekjurenkonursuaWjafnaWimeWlgri A&"+ launenkarlarogoftarhlutastrfum.FjrmlaogefnahagsrWuneytiWbendirYannigaW  '", httasneikvWumhrifum1.mgr.21.gr.konur.MeirihlutinnhefurtekiWh;pinnkon '#- ursemljkanmieftir35raaldurtilsrstakrarskoWunarensamkvmtupplUsingumfr (z$. menntaogmenningarmlarWuneytinufyrirnmsriW2018!2019vorukonur71%lnYega ( yfir35raaldri.0upplUsingumfrrWuneytinuerukonursemtskrifast35.aldursrieWa  sWarogerumeWlglauneWahlutastarfiY;verulegtfrvik,eWaum0,2%allralnYega.  XrttfyriraWumafmarkaWanh;psaWrWatelurmeirihlutinn,lj;siflagslegsjfnunar a hlutverksnmslnakerfsinsoghttu;skilegumjaWarhrifum,aWsrstaklegaverWiaW T, gtaaWhrifum1.mgr.21.gr.Yennanh;pogbeinirYvtilmenntaogmenningarmla  rWuneytisinsaWkannastWuhansviWendurskoWunlaganna.   Gjaldfellingnmslna(20.gr.).  X    ViWmeWferWmlsinsvartluvertfjallaWum20.gr.frumvarpsinsogYaWallega3.mgr. K #  semkveWurumaWhafinmslnekkiveriWaWfullugreiddYvrierlnYeginr66ra    aldrisheimiltaWgjaldfellalnin.BentvaraWumafarYyngjandirrWisaWrWasem    bitnilklegaYeimsemverststandifjrhagslega.0greinargerWfrumvarpsinsogupplUsing   umfrrWuneytinukemurframaWYaWsgrunnforsendafrumvarpsinsaWlnYegarendur wO  greiWinmslnfyrir65raaldur.XaWsminniYj;WflagslegurbatiafYvaWmenntaein B  staklingasWarvinniaukYesssemnmslnsemveitterutileinstaklingayfirsextugt    greiWistlitlummlitilbakaogsuraunaWmestuleytistyrkur.JafnframterbentaW   einstaklingisemtekurnmsln,t.d.umsextugt,erkunnugtumaWhannhafiskemmritma {  tilendurgreiWslu. nF   MeirihlutinnbendiraWnmslneruflagslegtjfnunartkisemhefurYaWhlutverkaW 9 tryggjallumaWgengiaWmenntun;hWefnahag.HrsumYyngjandiheimildaWrWasem  meirihlutinntelurekkisamrmasthlutverkinmslnaaWlluleyti.X;tekurmeirihlutinn  undiraW;skilegtsaWeinstaklingartakinmslnsemYeirmegavitaaWYeimmuniekki r endastvintilaWgreiWakostnaWannarralngreiWenda.MeirihlutinnbendiraWumeraW e= rWaheimildsembeitaskalmeWvarfrnumhttimeWhliWsj;nafYvhvortgreiWandinms 0 lnasskilum,afupphWeftirstWvalnsinsogafalmennumsj;narmiWumummeWalh;f.  MeirihlutinnleggurennfremurtilaWviW20.gr.verWibttnUjummlsgreinumYessefnis  aWsj;Wstj;rnverWiheimilt,YegarlnYegihefurnW66raaldrioghefurekkigreittnmsln i snaWfullu,aWgeratmabundnasamningaumgreiWslueftirstWvalnsinsviWlnYegasYaW \4 honumerfittskumflagslegraerfiWleikahans,svosemafheilsufarsstWum,skumfjr ' hagsrWugleikaeWaafWrumsambrilegumstWumsemsj;Wstj;rnmetur.Slkasamninga  skalendurskoWareglulegaoga.m.k.sexmnaWafresti.Sj;Wstj;rnerskyltaWkynnalnYeg  umsemnWhafa66raaldrioghafaekkigreittlnsnuppaWfullumguleikannslkum `  samningnum. S+!   EfumframhaldandierfiWleikaeraWrWahjlnYegaogstj;rnintelurlj;staWaWstWur " hanssumeWYeimhttiaWhanngetiekkigreitthfuWst;llnsinseWahlutahansskalstj;rn # inafskrifahfuWst;llnYegaaWhlutaeWalluleyti.AfskriftirerubundnarYvskilyrWiaW  $ lnYegihafiaWlgmarkieittrstaWiWviWsamninginn.Stj;rnsj;Wsinsskalmlannarfyrir !W% umskilyrWiogframkvmdsamningannaogafskriftathlutunarreglum.Afskrifisj;Wurinn J""& hfuWst;llnsaWhlutaeWalluleytiskalskostnaWurgreiWastrrkissj;Wienekkifarainn #' vaxtalagnmslna. #(  FrestunendurgreiWslu(23.gr.). v%N!*    Fyrirnefndinnikomuframsj;narmiWYessefnisaWvkkattitheimildtilaWskjaum A&"+ frestunendurgreiWslunmslnaskv.23.gr.frumvarpsins.MeirihlutinnbendiraW6.  '", mgr.8.gr.lagaumLnasj;WslenskranmsmannaeraWfinnavWtkariheimildfyrirstj;rn '#- sj;WsinstilaWheimilaundanYgufrgreiWslum,svosemgrundvelliatvinnuleysisogum (z$. nnunarbarna.XaWermatmeirihlutansaWYrundanYgursusanngjarnarogleggurtilaW ( sj;Wstj;rnverWiveittsambrilegheimildogerlgumumLnasj;Wslenskranmsmanna  aWYvviWbttuaWheimiltverWiaWveitaundanYgufrgreiWslumvegnafWingar,frum  ttleiWingareWatkubarnsvaranlegtf;sturaWkveWnumskilyrWumuppfylltum. a  EndurgreiWslalnaMenntasj;WsnviWb;tarkostnaWar(34.gr.).     Samkvmt1.mlsl.1.mgr.34.gr.erMenntasj;WiheimiltaWtakalnfrEndurlnum  rkissj;WstilaWfjrmagnalntillnYega.02.mgr.34.gr.kemurframaWMenntasj;Wis   heimiltaWgreiWainnslklnnviWb;tarkostnaWar.  X   ViWmeWferWmlsinsfjallaWinefndinumhvortslktfyrirkomulagfelisrofmiklahttu K #  fyrirrkissj;W.0minnisblaWifjrmlaogefnahagsrWuneytistilnefndarinnarkemurfram    aWkvWiWfelisrhttufyrirrkissj;Wvegnamisrmistmalengdtlnarkissj;Wstil    Menntasj;Wsinsogtgefinnaskuldabrfarkissj;WsmarkaWi.Flestarskuldbindingarrkis   sj;Wseru;uppgreiWanlegarogYarmeWmyndastkveWiWmisvgi.ReynslansUniraWmikil wO  vgteraWstUringendurgreiWslumstilstaWar.AfYvtilefnileggurmeirihlutinntilaWviW B  2.mgr.34.gr.btistaWheimildtilendurgreiWslushWsamYykkifjrmlaogefnahags    rWuneytis.VerWislkheimildsamYykktverWiendurgreiWslumstUrtsamrWiviWrWuneytiW.   AWmatimeirihlutansersbreytingtilYessfallinaW_lgmarka_Ԁhtturkissj;Wsvegna {  endurgreiWsluMenntasj;WsinsinnlnfrEndurlnumrkissj;Ws. nF  kvWitilbrWabirgWa.   _byrgWarmannakerfiW_.    01.mlsl.1.mgr.kvWistilbrWabirgWaIIerfjallaWumniWurfellingubyrgWarnms r lnumteknumtWeldrilagaogskilyrWifyrirslkriniWurfellingu.AnnaW_skilyrWanna_ԀeraW e= lnYegisekki_vanskilaskr_.Meirihlutinntelur,samrmiviWaWgerWirrkisstj;rnarinnar 0 umbreytingarendurgreiWslunmslna,aWfellaberibrottYaWskilyrWiogYvngiaW  lnYegisskilumviWLnasj;WslenskranmsmannatilaWbyrgWinfalliniWur.    02.mlsl.1.mgr.erkveWiWumaW_byrgWir_Ԁnmslna;skiptumdnarbumfalliniWur i aWskilyrWum1.mlsl.uppfylltum.0umsgnummliWkomframaW;skUrtvrihvort1.mgr. \4 brWabirgWakvWisinsgiltiaWeinsum_byrgWir_ԀYarsembyrgWarmennerueinstaklingareWa ' hvortYaWnWieinnigtil_byrgWaryfirlUsinga_Ԁfjrmlafyrirtkja.0gegnumtWinahafihluti  YeirranmsmannasemekkihafagetaWfengiW_byrgWarmann_ԀleitaWtilfjrmlafyrirtkjaog  lagtfram_bankabyrgW_Ԁtiltryggingarnmslna.MeirihlutinnteluraWsmuskilyrWiskuli `  gildaum_byrgWaryfirlUsingar_ԀfjrmlafyrirtkjaogeinstaklingaogleggurYvtilbreytingu S+! 2.mlsl.1.mgr.kvWistilbrWabirgWaIIYessefnis. 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