WPC =8 ʹwz(D.%&Qo \| U`Rz;hB,bJ\t;g#"#5^AN2aPLo]_359 zYQ|c>Cq$+d2F'"P)Zi _( j/Cq$c\~z qKbf;[V}Վ" RD&fQe0'}˼-J27>hEzvt|9!ZIQSEF:2ik֛7^/QA.nt2B1, ˩d5Pe'1= IL>N-w^ 4+ B-:Zg 0 0DLD/$ 0' 1 0(F 0$n 0 02 0 0! 0D""F$ 0M' 0' 0B) 0* 06, 0h- 0v7. 0/ 0A0 0(#2 0fK3 03 085 016 09 0: 0< 0i> 0(K@ 0sA 06C 0SD 06E 0~3G 0G 0cI 09K 0 M 0@N 0N 0P 0zR 0T 0U 0oDW 0oY 0q"\ 0z^ 0 _ 0_ 0+` 0` 0Ia 0a 0gb 0b 0c 0d 0d 02e 0e 0Pf 0f 0ng 0g 0h 0i 0iN9j 0;j 0j 0Yk 0k 1wl 0m 0m 0p 09q 0q 0r 0u 0v 0y 03uz 0T{ 0wJ| 0| 0} 0Q~ 0D 0 1u 0n 0^ 0N BG 0d 0Z 0P 0F 09 0, 0 0 0 0 0 0 0׏ 0ʐ 0 72 0ߒ 0ϓ 0 1N 0 0~ 0 0 0+ 0 0I 0ؙ 0dg 0d˛ 0d/ 0d 0d 0d[ 0d 0d# 0d 0d 0dO 0dU: 0dQ 0d 0dM} 0d 0d 0dI D+ Aس CyU&,UT>U.U*+U,UK̸ 1uM 72j? Ttttttt000000000000`,,,&d9 Z6Times New Roman RegularX(f$,..,TRW6&A4W6&A4 6&A4 6&A4T ? 0?vvbX0#ggdd  8dd8ISUS,.     ^^bAdobe PDF0 W:\WP2000\SKJRI~IZ.WPTUW:\WP2000\SkjritunY2k-nytt.wpt1vbQ*wWQrirs?g3|x)Hairline d8DocumentManagement::ModifiedBooleanTRUE(D2Ok$ f!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? XX0?vvbX0#ggdd  8dd8ISUS,.     ^^b  E  0  0  EE(#$  0   : es),..,XXXX? XX0?vvbX0#ggdd  ISUS,.   _>? Ҁ %_  g+,..,XXXX? XX0?vvbX0#ggdd  ISUS,.   d  ݀T:Balloon Tex1Balloon Text   A $TahomaA        S\  `&Times New RomanS    ikmox`CEIMQUY]aAutoList1!!!!!!!!1)a)($^Zl:Balloon TextBalloon Text CharA $TahomaA   S\  `&Times New RomanS(xir$0  0` (#(#0 ` (#` (#2#(  0  )3  0 (# (#(F$0  0` (#(#0 ` (#` (#0 (# (#0h(#(#2#(   )3  0h(#h(#($0  0` (#(#0 ` (#` (#0 (# (#0h(#(#0h(#h(#2#  0  )3  0(#(#({$0  0` (#(#0 ` (#` (#0 (# (#0h(#(#0h(#h(#0(#(#2#  a  )3  0p(#(#(F$0  0` (#(#0 ` (#` (#0 (# (#0h(#(#0h(#h(#0(#(#0p(#(#2#     )3  0p(#p(#  As1ur1kjalUWr%WisYr;unAssociationSouth EastAsianNationsMalas1uBruneiDarussalam Laosinnganga framt1Warst?Wu4FilipseyjumFilippseyjum&Kambod1uKamb;d1u"MyanmarMjanmar(SingaporeSingapCrskorkortihttpsec.europa.eu just(detail.cfm?item_idfilesconditions ENA PISA,www.stjornarradid.isfrettirfrettislenskrametid(forsaetisraduneytimediad: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   ^:FollowedHypeFollowedHyperlink  b    b  <.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 RomanSf:Fyrirsgn/ fFyrirsgn/ fylgiskjl    S\  `&Times New RomanS b     2( b9 #q [25+ 9 #q [5     b  S\  `&Times New RomanS   h :Fyrirsgn/ gFyrirsgn/ greinarger    ?\  `Times?#        S\  `&Times New RomanS#dd      j :Fyrirsgn/ sFyrirsgn/ skjalategund X    S\  `&Times New RomanS              S\  `&Times New RomanSn:Fyrirsgn/ uFyrirsgn/ undirfyrirsgn '   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   H4HyperlinkHyperlink  b    b  X:List ParagraList Paragraph      S\  `&Times New RomanS X       S\  `&Times New RomanS   t :Millifyrirs1Millifyrirsgn 1/ feitletra    S\  `&Times New RomanS          S\  `&Times New RomanS   r :MillifyrirsMillifyrirsgn 2/ skletra    S\  `&Times New RomanS          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\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 ` :Unresolved MUnresolved Mention `^\   4+ *L7-1L7-1  D 23  ..   4+ *L7-2L7-2   23  ..   4+ *L7-3L7-3 j  23  ..   4+ *L7-4L7-4  L 23  ..   4+ *L7-5L7-5   23  ..   4+ *L7-6L7-6 j  23  ..   4+ *L7-7L7-7  T 23  ..   4+ *L7-8L7-8   23  ..   4+ *L7-9L7-9 j  23  ..   4+ *L5-1L5-1  D 23  ..   4+ *L5-2L5-2   23  ..   4+ *L5-3L5-3 j  23  ..   4+ *L5-4L5-4  L 23  ..   4+ *L5-5L5-5   23  ..   4+ *L5-6L5-6 j  23  ..   4+ *L5-7L5-7  T 23  ..   4+ *L5-8L5-8   23  ..   4+ *L5-9L5-9 j  23  ..   4+ *L9-1L9-1  , 23  ..   4+ *L9-2L9-2  X 23  ..   4+ *L9-3L9-3   23  ..   4+ *L9-4L9-4   23  ..   4+ *L9-5L9-5   23  ..   4+ *L9-6L9-6   23  ..   ikmo %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.4+ *L9-7L9-7  4 23  ..   (3s$ f!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? XX0?vvbX0#ggdd  8dd8ISUS,.     ^^b  4+ *L9-8L9-8  ` 23  ..   4+ *L9-9L9-9   23  ..   4P+J *L6-1L6-1  b 8.9 #q [823  ..   2( 9 #q [2(3s$ f!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? XX0?vvbX0#ggdd  8dd8ISUS,.     ^^b  4M+J *L6-2L6-2  N 5+ w9 #q [523  ..   2( 9 #q [2(3$ f!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? XX0?vvbX0#ggdd  8dd8ISUS,.     ^^b   d 4M+J *L6-3L6-3  ; 5+ c9 #q [523  ..   2( 9 #q [2(M0J$2  0  .3  0 ` 4M+J *L6-4L6-4  ( 5+ P9 #q [523  ..   2( 9 #q [2(O;$0  2#  a  .3  0` (#(#4J+J *L6-5L6-5   2( = #q [223  ..   2( 9 #q [2(u$0  0` (#(#` `  2  a  .3  0` (#` (#4J+J *L6-6L6-6   2( ' #q [223  ..   2( 9 #q [2(`$0  0` (#(#0 ` (#` (#0 (# (#"h2  0  .3  0(#(#4G+J *L6-7L6-7   /%  #q [/23  ..   2( 9 #q [23#37=CIQYag1.a.i.(1)(a)(i)1)a)4G+J *L6-8L6-8   /%v  v #q [/23  ..   2( 9 #q [24G+J *L6-9L6-9   /%a  a #q [/23  ..   2( 9 #q [24P+J *L2-1L2-1  b 8.9 #q [823  ..   2( 9 #q [2 d4M+J *L2-2L2-2  N 5+ w9 #q [523  ..   2( 9 #q [24M+J *L2-3L2-3  ; 5+ c9 #q [523  ..   2( 9 #q [24M+J *L2-4L2-4  ( 5+ P9 #q [523  ..   2( 9 #q [24J+J *L2-5L2-5   2( = #q [223  ..   2( 9 #q [24J+J *L2-6L2-6   2( ' #q [223  ..   2( 9 #q [24G+J *L2-7L2-7   /%  #q [/23  ..   2( 9 #q [24G+J *L2-8L2-8   /%v  v #q [/23  ..   2( 9 #q [24G+J *L2-9L2-9   /%a  a #q [/23  ..   2( 9 #q [24P+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 [24M+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 [24J+J *L1-6L1-6   2( ' #q [223  ..   2( 9 #q [24G+J *L1-7L1-7   /%  #q [/23  ..   2( 9 #q [2qi)4G+J *L1-8L1-8   /%x  x #q [/23  ..   2( 9 #q [24G+J *L1-9L1-9   /%e  e #q [/23  ..   2( 9 #q [24+ *L8-1L8-1   23  ..    gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)4+ *L8-2L8-2   23  ..   4+ *L8-3L8-3 j V 23  ..   4+ *L8-4L8-4   23  ..   4+ *L8-5L8-5   23  ..   4+ *L8-6L8-6 j ^ 23  ..   4+ *L8-7L8-7   23  ..   4+ *L8-8L8-8   23  ..   4+ *L8-9L8-9 j f 23  ..   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`SymbolA4cp Z "Times Regular4Y~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`SymbolA'dxd&Draw Object <<=8C HKKKKdd\ Y`Symbol\  `&Times New Roman\  `Cambria\  `Times $Tahoma A Ok$,..,XXXX? XX0?vvbX0#ggdd  ISUS,.    1  0    _4   5  https://ec.europa.eu/newsroom/just/item-detail.cfm?item_id=1172506  7 x 4 ?  5  https://ec.europa.eu/info/files/consumer-conditions-scoreboard-2019-edition_en6t  7 V  Ok$,..,XXXX? XX0?vvbX0#ggdd  ISUS,.    3  0    _#dgggT 4   5  www.stjornarradid.is/efst-a-baugi/frettir/stok-frett/2018/02/13/Fjarmalalaesi-islenskra-nemenda-metid-i-PISA-arid-2021/6  7 #ggdgikmoy$3MQUY]aeiBullets List C Ok$,..,XXXX? XX0?vvbX0#ggdd  ISUS,.    2  0    _4   5  www.samband.is/media/skolamal/Fjarmalalaesi.pdf6  7 n  Ok$,..,XXXX? XX0?vvbX0#ggdd  ISUS,.    4  0    _T 4   5  www.stjornarradid.is/media/forsaetisraduneyti-media/media/skyrslur/neytendavernd-a-fjarmalamarkadi.pdf6  7    www.aurbjorg.iswww.herborg.ishttps://ec.europa.eu/info/files/consumer-conditions-scoreboard-2019-edition_enhttps://ec.europa.eu/newsroom/just/item-detail.cfm?item_id=117250  as',..,XXXX? XX0?vvbX0#ggdd  ISUS,.   ݀www.samband.is/media/skolamal/Fjarmalalaesi.pdfwww.stjornarradid.is/efst-a-baugi/frettir/stok-frett/2018/02/13/Fjarmalalaesi-islenskra-nemenda-metid-i-PISA-arid-2021/www.stjornarradid.is/media/forsaetisraduneyti-media/media/skyrslur/neytendavernd-a-fjarmalamarkadi.pdf f!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? XX0?vvbX0#ggdd  8dd8ISUS,.     ^^b  _>?  _ikmo(%03q  9__@151.lggjafarYing2020!2021. ( Xingskjal251"237.ml.      VTillagatilYingslyktunar# V֗#     umfjgurraratlunumUmismltilhagsb;ta   fyrirneytendurrin2022!2025.   X   Flm.:BjarkeyOlsenGunnarsd;ttir,BjrnLevGunnarsson,IngaSland,    OddnUG.HarWard;ttir,WillumX;rX;rsson,XorsteinnSmundsson.      AlYingilyktaraWfelaferWamla,iWnaWarognUskpunarrWherraaWvinnaaW_neytenda wO  mlum_ԀsamrmiviWeftirfaranditvmeginmarkmiWsemtryggjaeigabttanhagneytenda B  runum2022!2025:     A.MarkmiWumupplUsingamiWluntilneytenda. {   "i0J"  i0JN2%  1  .3  Ԉ0    NeytendafrWslaverWiaukin.i0JN{݌nF Ќ  "i0J"  i0JL 2%  2  .3  Ԉ0    AukinherslaverWilgWsjlfbraogbyrganeyslu.i0JL y ݌9 Ќ  "i0J"  i0Jd 2%  3  .3  Ԉ0    EftirlitmeWverWmerkingumverWieflt.i0Jd ݌ Ќ  B.MarkmiWumrttindineytenda. r  ! !"i0J"  i0J 2%  1  .3  Ԉ0    ReglurumskilarttverWiendurskoWaWaroguppfrWarsamvinnuviWhagsmunaaWila, e= svosemSamtkverslunarogYj;nustu,NeytendasamtkinogNeytendastofu.Reglurnar 0 verWikynntarfyrirneytendumogseljendumvruogYj;nustu.i0J ݌ Ќ  "i0J"  i0J 2%  2  .3  Ԉ0    InnheimtasrstakralntkugjaldaneytendalnumverWibnnuW.i0J ݌ Ќ  "i0J"  i0J2%  3  .3  Ԉ0    SettverWif;tsamanburWarverWsjfjrmlamarkaWi:vefsWaYarsemallarupplUsingar i umfjrmlaYj;nustueruveittarskUranogaWgengileganmta.i0J$݌\4 Ќ  #dgg  GreinargerW.#ggd    XingslyktunartillagaYessivarfyrstlgWfram145.lggjafarYingi(844.ml)ogaWnUju  150.lggjafarYingi(306._ml)meW_Ԁbreytingum,m.a.vegnanUsamYykktralagaum_r `  skurWaraWila_ԀsviWineytendamla,nr.81/2019.ErstillagahrafturlgWframltillega S+! breyttogmeWbreytingum_greinargerW,_Ԁm.a.meWhliWsj;nafYeimumsgnumsembrust " viWmeWferWmlsins150.lggjafarYingi. #   TillaganvarupphaflegafluttaffulltrumallraYingflokkasemstittuAlYingi._Mark  $ miWiW_ԀeraWleggjaframtillgursemmiWaaWYvaWbtahagneytendameWskj;tumhtti. !W%   nsturumYurfastj;rnvldaWbregWastviWUmsumvaxandiskorunumsviWi_neyt J""& endamla,_Ԁt.d.alYj;WavWinguframleiWslukeWjunnarsemgerireftirlitmeWvrumfl;knara, #' aukinninetverslunogbrotumrttineytenda.0sumumtilfellumYekkjaseljendurekkirtt #( neytendaogneytendurYekkjasjlfiroftekkirttsinn.XaWvirWistsemneytendurYekkiekki $ ) ngilegavelhvertYeireigiaWleitaYegargreiningurrsmilliYeirraogseljenda. v%N!*   0knnunseminnanrkisrWuneytiWltgeragst2015varspurtumYekkingumun A&"+ hlutverkumNeytendastofuogNeytendasamtakanna.NiWurstaWanvarsaWeinungis18,3%  '", tldusigYekkjamuninn.Rmlega80%gtuekkigertgreinarmunhlutverkiYessara_stofn '#- ana,_ԀY.e.aWNeytendastofavriopinbereftirlitsstofnunenNeytendasamtkinfrjls_flaga (z$. samtk._Ԁ58,4%sgWustmunduleitatilNeytendasamtakannaefYrfvriaWstoWvegna m)E%/ 9 _   greiningsviWseljanda,18,1%tilNeytendastofu,10,3%tilseljandaog9%tillgfrWings. ( Samkvmtskorkortineytendamla,semvargefiWtriW2017afframkvmdastj;rn_Evr;pu  sambandsins,_ԀkomY;framaWYekkingneytendahafiaukisthrlandifrknnuninniriW  2015. #  1      ׀Samkvmtskorkortifrrinu2019kemurframaWYekkingseljendarttindum_neyt a enda_ԀslangbesthrlandiafllumrkjumEvr;puogneytendurteljiekkimiklarlkuraW T, YeirverWifyrir;rttmtumviWskiptahttum.FlutningsmennteljaframangreindaYr;un_j  kvWa._    NeytendastofaereftirlitsstofnunogermeginhlutverkhennaraWgtaaWoghafaeftirlit   meWneytendarttiogryggivru,hafaeftirlitmeWviWskiptahttumogstuWlaaWgagnsi  X _markaWarins,_Ԁhafayfirumsj;nmeWlgmlifrWioghagnUtrimlifrWiogframkvmdsem K #  aWYvlUturogloksaWmiWlaupplUsingumtilaWilamarkaWiumrttindiYeirraogskyldur.    NeytendasamtkinerufrjlsflagasamtksemhafafrstofnunveittneytendumrWleggingar    ogaWstoWviWaWleitarttarsnsgagnvartseljanda.RkiWhefurgertYj;nustusamningviW   samtkinumaWsinnaYessariYj;nustuensamningurinnstenduraWeinsundirhlutakostnaWar wO  viWYj;nustuna.SamtkinsinnaeinnigmikilvguYj;nustuhlutverkiviWneytendursemkaupa B  Yj;nustuWrumEvr;pulndumgegnumEvr;pskuneytendaaWstoWina(ENA).MeWYvaW    styrkjaleiWbeiningarogkvrtunarYj;nustuNeytendasamtakannamundirttarstaWaneytenda   batnamikiW.NauWsynlegteraWtryggjaNeytendastofungilegtfjrmagntilYessaWanna {  _mlafjlda_Ԁogsinnalgbundnueftirliti.MikilvgteraWneytendurberitrausttilsamtakaog nF stofnanasemfarameWneytendamloggetileitaWtilYeirratilaWf_aWstoW._ 9   0fyrritillgumhefurveriWlagttilmarkmiWumskilvirktfyrirkomulagneytendamlaog  YarmeWaWstofnaWverWinUttembttiumboWsmannsneytendaaWnorrnnifyrirmyndsem  hafimjgskUrtogafmarkaWhlutverk.0umsgnsinnisegirNeytendastofaY;aW?hinnorrna r fyrirmyndsemvsaWertilYingslyktunartillgunniernnastekkitillengurogmsegjaaW e= eftirlitsstofnanirsviWineytendamla,jafntnorrnarsemogaWrarEESsvWinustarfin 0 frekaraWslenskrifyrirmynd. XvernekkilagttilaWembttiumboWsmannsneytenda  verWistofnaW.X;teljaflutningsmennaWtiltekinatriWisemnefndvorufyrri_tillgum_Ԁsuhr  rttuWYarsemYauerumikilvgsambandiviWeflingu_neytendamla._ i   NauWsynlegteraWeftirlitsaWilarhafiviWunandivaldheimildiroggetiYannigsinntflugu \4 eftirliti,Y.m.t.haftrkafrumkvWisskyldutilranns;kna,semogaukiWvitundneytendaog ' veittsamkeppnislegtaWhald.    SkoWaYarfskrunmilliverkefnaNeytendastofuogannarraeftirlitsaWila.TilaWmynda  hvorttilefnistilaWeftirlitmeWframkvmdlagaumfjrmlaYj;nustu,nr.33/2005,verWi `  verkahringNeytendastofu.SrlagiYarsemeftirlitmeWframkvmdlagaumfasteignaln S+! tilneytenda,nr.118/2016,oglagaumneytendaln,nr.33/2013,erhndumNeytendastofu. " XmveltaYvupphvortrttvriaWYauyfirvldsemhafieftirlitmeWneytendamlumsinni # jafnframtopinberueftirlitimeW;sanngjrnumsamningsskilmlumskv.36.gr.a36.gr.d  $ lagaumsamningsgerW,umboWog;gildalggerninga,nr.7/1936,oglgumum_byrgWar !W% menn,_Ԁnr.32/2009. J""&   LokskannaWkomatilskoWunarhvaWasamlegWarhrifkynnuaWnstmilliYeirrayfirvalda #' semfarameWneytendamlogembttisumboWsmannsskuldara.skilegteraWgerWurverWi #( tarlegursamstarfssamningurtilaWtryggjaupplUsingaskipti. $ )   v%N!* @     & ,  UmmarkmiWumupplUsingamiWluntilneytenda. (   1.AukinneytendafrWsla.    frjlsummarkaWihafaneytendurveigamikiWhlutverkYvaWveitaseljendumaWhald.  XaWerYvmikilvgt',(/aWneytendursuupplUstirogbiyfirfrnisemgerirYeimkleiftaW a takasembestarkvarWanir.XaWYUWirm.a.aWYeirYekkirttsinn,hafiverWvitund,sulsir T, markaWssetninguogauglUsingar,biyfirfjrmlalsiogvitihvertYeireigaaWleitaefupp  kemurgreiningurviWseljendur.Stj;rnvldverWaaWtryggjaaWneytendurhafiaWgangaW  upplUsingumogfinauWsynlegafrWsluumneytendaml.XernauWsynlegtaWhagnUtaYaW   efnisemtilersemogtryggjanauWsynlegafrWslullum_sk;lastigum._  X   MikilumrWahefurveriWumfjrmlalsiundanfrnumrum,ekkissteftir_efnahags K #  hruniW_Ԁ2008.XverandimenntaogmenningarmlarWherraskipaWijn2011starfsh;pum    YriggjaratilraunaverkefnitilaWeflafjrmlafrWslugrunnogframhaldssk;lum._H;pur    inn_ԀskilaWiskUrsluriW2014semvoruUmsartillgur.Menntaog_menningarmlarWuneyt   iW_ԀltgeraknnunmeWalallragrunnogframhaldssk;laumfjrmlalsivoriW2016._NiWur wO  stWur_ԀhennarsUnaaWfjrmlalsierkenntflestumsk;lumeinsogaWalnmskrrgerarW B  fyrir,eWa87%grunnsk;laog90%framhaldssk;la,ogoftastsemhlutiafWrunmsefnien    ekkisemsrstknmsgrein. #  2      ׀0febrar2018t;kmenntaogmenningarmlarWherra_kvrW   un_ԀumaW0slandyrWimeWvalkvWumhlutaPISAknnunarinnarriW2021semsnUraW {  fjrmlalsi15ranemenda.m #  3       nF   2.Aukinherslasjlfbraogbyrganeyslu.    undanfrnumratugumhefurathyglimannaauknummlibeinstaWbyrgWneytenda  ogmikilvgiYessaWYeirsuupplUstirumupprunavru,endahefurneyslaYeirra_margvs r leg_ԀhrifumhverfiW.XhefurframleiWslaneysluvarningiaWmikluleytifrstfrYr;uWum e= rkjumtilftkarilandaYarsemframleiWslukostnaWurerlgri,m.a.vegnalgrilaunaog 0 minnikrafnasviWivinnuverndarogumhverfismla.UpplUsaYarfneytendurumYaWmeW  hvaWahttiYeirgetahafthrifmeWvalisnuvruogYj;nustu.    EittafheimsmarkmiWumSameinuWuYj;WannaerbyrgframleiWslaogbyrgneysla. i 0slenskstj;rnvlderuskuldbundintilaWvinnaaWYessummarkmiWumrtteinsogstj;rnvld \4 annarrarkja.MarkmiWnr.12miWaraWYvaWtryggjasjlfbraneysluogframleiWslu.MeWal ' undirmarkmiWaeruminnimatars;un,byrgnotkun,byrgmeWhndlunrgangsogbyrg  _nUting_ԀnttruauWlinda.Xeigastj;rnvldaWhafatryggtaWfyrirriW2030verWialmenningur  _upplUstur_ԀogmeWvitaWurumsjlfbraYr;un.EinnigskalunniWaWYvfyrirriW2020aW `  tryggjabyrgameWferWskaWlegraefnagegnumlfsferilinn(frvggutilgrafar)ogminnka S+! tilmunalosunslkraefnatumhverfiWYannigaWhrifYeirraheilsuf;lksogumhverfi " verWisemminnst.TilaWnmarkmiWitillgunnarumauknahersluogbyrganeysluleggja # flutningsmenntilaWsetturverWif;tverkefnah;pursemhafiYaWaWmarkmiWiaWsemja  $ _tlun_ԀneytendafrWslu.ViWgerWtlunarinnarYarfverkefnah;purinnaWtakatillittil !W% _framangreindra_ԀheimsmarkmiWaSameinuWuYj;Wanna.MikilvgteraWfrWslatilneytenda J""& umbyrganeyslunitilallraneytenda,ekkieingngunemenda.Jafnframtsetjistj;rnvld #' afstaWverkefnitilaWvekjaathyglisjlfbrrineyslu. #(   3.UpplUsingarumverWmerkingar. v%N!*   NeytendureigarkanrttupplUsingumumverWvruogYj;nustu.MikilvgteraW A&"+ _reglum_ԀumverWmerkingarsfylgtogeftirlitsvirkt.XvYurfaeftirfarandiatriWiaWvera_upp  '",  fyllt:_ '#- ! ! (g00_ikmo"i0J"  i0JF2g  a  .3  Ԉ0    &   ViWeigandiaWilarYurfaaWhafabolmagntilaWsinnaverWlagseftirlitiallsstaWar_land ( inu._'(iGi0JFF݌ Ќ  "i0J"  i0J}H2g  b  .3  Ԉ0    SkoWaYarfhvortYrbreytingarsemgerWarvoruverWmerkingumformerktum_mat  vlum_ԀsusttanlegarfyrirneytendurenvWaerverWgefiWuppsemkl;verWentilaW a sjverWvrunnarYarfaWskannavrunainn.i0J}HH݌T, Ќ  "i0J"  i0JJ2g  c  .3  Ԉ0    VerWgrnmetiogvxtumernralltafgefiWuppsemkl;verW.XvYarfaWtryggja  aWllumverslunumsvigtYarsemneytendurgetasWendanlegtverWvru.i0JJJ݌ Ќ  "i0J"  i0JTL2g  d  .3  Ԉ0    MlieiningaverW,Y.e.samanburWarverW,hvaWkl;,ltrieWastykkiafvrukostarvallt   aWgefauppYegarYaWviW.YessueroftmisbresturogSvYj;Wert.d.skyltaWgefa  X uppmlieiningaverWgulumgrunnitilaWauWveldaneytendumsamanburWinn.i0JTLL݌K #  Ќ  UmmarkmiWumrttindineytenda.      1.EndurskoWun,uppfrslaogkynningreglumumskilartt.     MikilvgteraWtryggjasamrWviWhelstuhagsmunaaWila,svosemSamtkverslunarog wO  Yj;nustuogNeytendasamtkin. B    Samrmdarogsanngjarnarskilaregluraukatraustneytendaseljendumoggetahaft_j    kvW_Ԁhrifverslunhrlandi,aukYesssemYreruliWursjlfsagWrineytendavernd.     riW2000gafYverandiviWskiptarWuneytitverklagsreglurumskilartt.MarkmiWiWvar {  aWtryggjasamrmdaframkvmdumskilogskiptivrumtilhagsb;tafyrirneytendurog nF seljendur.MeginatriWiYessaraverklagsreglnaeru: 9 ! ! ikmo($y0"i0J"  i0JR 2$3  Ԉ0    NeytandiaWminnstakosti14dagaskilartt.i0JR S݌ Ќ  "i0J"  i0JS 2$3  Ԉ0    VrursemmerktarerumeWgjafamerkigerakassakvittun;YarfaviWskil.i0JST݌ Ќ  "i0J"  i0J U 2$3  Ԉ0    Inneignarn;turskulumiWastviWupprunalegtverWvru.i0J U6U݌r Ќ  "i0J"  i0JV 2$3  Ԉ0    Gjafabrfgildafjgurrfrtgfudegioginneignarn;turalltaWfjgurr.i0JVAV݌e= Ќ  "i0J"  i0J4W 2$3  Ԉ0    SkilartturtekurekkitiltsluvrunemaumannaWhafiveriWsamiW.i0J4WaW݌0 Ќ    ReglurnarhafaaWeinhverjuleytifestsigsessienY;erukvWiYeimsemseljendur  fylgjaalmenntekki.MYarnefnagildistmagjafabrfaogskilvrumeftiraWtsalaer_haf  in._ԀReglurnareru;Yarflegafl;knarenmikilvgteraWYrsuhnitmiWaWarogskiljanlegar i efYreigaaWYj;natilgangisnum.BandarkinhafagengiWhvaWlengstaWtryggjartt \4 neytendaYessusviWi.0Kalifornurkiert.d.bannaWaWsetjagildistmagjafabrf. '   FlutningsmennteljaaWrttsaWgildistmigjafabrfaverWilgfesturfjgurrsemer  _hefWbundinn_Ԁfyrningarfrestur.SlkteykurneytendaverndogerekkiYyngjandifyrir_seljend  ur._ԀMeWskUrariframsetninguverklagsreglumumskilartt,gjafabrfoginneignarn;tur `  _styrkist_ԀstaWainnlendrarverslunargagnvarterlendrinetverslunYarsemneytendurverWa_meW S+! vitaWir_Ԁumrttindisn.XeirgetagengiWaWsamrmdumreglumvsum.XannigeruskUrar " _verklagsreglur_Ԁumskilarttneytenda,gjafabrfoginneignarn;turbWineytendumog_selj # endum_Ԁtilhagsb;ta.  $   2.InnheimtasrstakralntkugjaldaneytendalnumverWiathuguW. J""&   FlutningsmennteljavertaWkannahvortkostnaWurviWlntkuttiaWverainnifalinn #' vxtumsemneytandigreiWir.AWgengilegastvrifyrirneytendurefkostnaWurviWskjalagerW #( eWaaWrasambrilegaYttiendurspeglaWistvaxtakostnaWilnsins,endaskuluneytendaln $ ) beravexti.MeWlntkukostnaWierttviWY;knunognnurgjldsemneytandiYarfaWgreiWa v%N!* lnveitandatengslumviWlnssamning.LntkukostnaWureryfirleittfsthlutfallslegtala A&"+ ;hWlnsfjrhWenendurspeglarekkiraunverulegankostnaWviWlntkuna.Veltamfyrir  '", srhvortskjalagerWogumsUslasemgjaldiWaWnyfirkostiekkijafnmikiWhvortsemln '#- er1millj.kr.eWa15millj.kr.NefndsemgaftskUrsluna?Neytendavernd_fjrmlamark (z$. aWi _Ԁaprl2013teluraWbankar,0bWalnasj;Wur,semnerHsnWisog_mannvirkjastofn m)E%/ un,og_ԀaWriraWilarsemveitaneytendalnYurfisamrmiviWupplUsingaskyldu_neytendartt ( arins_ԀaWskUrankvmlegahvaWakostnaWarliWumlntkukostnaWurbyggistogforsendur  fyrirYvaWgjaldiWshWfjrhW. #  4      ׀RttvriaWrannsakahvaWaafleiWingarYaWkynniaW  hafafyrirlnakjrefsambrilegreglagiltiumslkagjaldtkuoglgumnr.118/2016,um a _fasteignaln_Ԁtilneytenda.AthugamttitilaWmyndahvortslkarbreytingarvrutilYess T, _fallnar_ԀaWhkkakostnaWvegnasmrrilntkueinsogframkemurumsgnNeytendastofu  viWtillguYessa150.Yingi,dags.13.febrar2020.AWaukimkannaafleiWingarYessaW  bannatkulntkukostnaWarlj;siYessaWYaWYekkistaWlnveitendurbj;Wineytendum   vrutilkaupsmeW_lnum_Ԁsemberalntkugjldenengavexti.  X   3.SettverWif;tsamanburWarverWsjfjrmlamarkaWi,Y.e.vefsWaYarsemallar_upp    lUsingar_ԀumfjrmlaYj;nustueruveittarskUranogaWgengileganmta.      AuWveltverWiaWberasamanUmsamikilvgaYttifjrmlumeinstaklinga,svosem_hs   nWisln,_ԀsparnaWarleiWir,vtryggingaro.s.frv.SlkttWkastngrannarkjum0slands._Sam wO  anburWarverWsj_ԀaWveitafjrmlastofnunumaWhaldfrneytendumogUtaundirsamkeppni. B  NYegarerutilheimasWur,svosem4   5  www.aurbjorg.is6l0l  7 jKlԀog4 o  5  www.herborg.is6ll  7 l,semtakasaman    hlutaafYessumupplUsingumeinsoghsnWisln,kortaYj;nustuogsparnaWarleiWir.     BrskurWarnefndumviWskiptiviWfjrmlafyrirtkistarfarsamkvmtsamkomulagimilli {  YverandiviWskiptarWuneytis,SambandsslenskraviWskiptabanka,Sambandsslenskra nF _sparisj;Wa,_ԀSamtakaverWbrfafyrirtkja,SambandslnastofnanaogNeytendasamtakanna. 9 SkUraYarfstWunefndarinnarbeturoghefurumboWsmaWurAlYingism.a.vakiWathygli  _nauWsyn_ԀYess.BrskurWarnefndinstarfarekkisemlgbundinrskurWarnefndogberYvstrangt  tiltekiWekkiaWfylgjaYeimmlsmeWferWarreglumsemkveWiWerumstj;rnsUslulgum. r KannaYarfbeturhvernigfarattimeWmlgegnfjrmlafyrirtkjumslitameWferW. e=   FlutningsmennteljaaWframangreindarbreytingarogaWgerWirverWitilYessaWbtahag 0 neytendaogskUrafyrirkomulagneytendamla.