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( Xskj.236"223.ml.     9@k k Frumvarptil_innheimtulaga_.# 9#     _Flm_.:J;hannaSigurWard;ttir,LWvk_Bergvinsson_,   Brynds_HlWversd;ttir_,gst:lafurgstsson.  X J  I.KAFLI     GildissviW_o.fl_.     1.gr.   GildissviW. wO  l  LgYessigildauminnheimtu_gjaldfallinna_Ԁ_peningakrafna_ԀfyriraWraeWavegnaeiginstarf B  semi,Y;ekkiinnheimtuopinberraaWilaskttumoggjldum,_innheimtuaWgerWir_Ԁgrund    velli_rttarfarslaga_Ԁoginnheimtu_umdeildra_Ԁ_peningakrafna_ԀYarsemYrfhefurveriWsrfrWi   legrirWgjf. {    _InnheimtuaWili_ԀereinstaklingureWa_lgaWili_Ԁsemannastinnheimtu. nF   2.gr.  _Frvkjanleg_ԀkvWi.  J   HeimiltermeWsamningimillikrfuhafaoginnheimtuaWilaaWvkjafrkvWum9.gr. r og1.mgr.10.gr.nnurkvWilagannaeru;frvkjanleg. e=   II.KAFLI   SkilyrWitilaWmegastundainnheimtu.   3.gr. i SkilyrWitilaWmegastundainnheimtufyriraWra. \4    _InnheimtuaWilar_ԀmegaYvaWeinsstundainnheimtufyriraWra: '  (00_ikmo"i0J"  i0J2  a  .3  Ԉ0    aWYeirhafifengiW_innheimtuleyfi_Ԁskv.15.gr.,sbr.4.gr.;i0J݌ Ќ  "i0J"  i0J2  b  .3  Ԉ0    aW_innheimtan_ԀsstunduWfrfastristarfsstWhrlandinemaannaWleiWiaf_alYj;Wa  samningum_Ԁsembinda0sland;ogi0J݌`  Ќ  "i0J"  i0J2  c  .3  Ԉ0    aW_starfsbyrgWartrygging_Ԁskv.14.gr.sgildi.i0J݌S+! Ќ    LgmennmegaY;stundainnheimtun_innheimtuleyfis_,svoogopinberiraWilar,_viWskipta " bankar_Ԁog_sparisj;Wir_. #   4.gr. !W% _Veiting_Ԁ_innheimtuleyfis_. J""&   _Innheimtuleyfi_Ԁerveittgrundvelliums;knarfreinstaklingisem: #' ! !"i0J"  i0JH2  a  .3  Ԉ0    er_lgrWa_ԀoghefurundanfarinfimmrhvorkifariWframeWaveriW_greiWslustWvun_ #( nbhansveriWundirgjaldYrotaskiptum;i0JHu݌$ ) Ќ  "i0J"  i0J2  b  .3  Ԉ0    hefur;flekkaWmannorWsvosemskiliWertil_kjrgengis_ԀviWkosningartilAlYingis;i0J=݌v%N!* Ќ  "i0J"  i0Jr2  c  .3  Ԉ0    hefurlgheimilihrlandinemaannaWleiWiaf_alYj;Wasamningum_Ԁsembinda0sland;i0Jr݌A&"+ Ќ  "i0J"  i0J2  d  .3  Ԉ0    erekkivanskilummeWopinbergjldeWa_vrsluskatta_ԀaWfjrhW500.000_kr_.i0J݌ '", Ќ    _Innheimtuleyfi_Ԁereinnigveittsamkvmtums;knfr_lgaWila_Ԁendafullngiframkvmda '#- stj;rieWayfirmaWurviWkomandistarfsemiogmeirihlutistj;rnarmannahverjumtmaskil (z$. yrWum1.mgr. m)E%/ 9 y_     Leyfimekkiveitatillengritmaenfimmrasenn.  -   5.gr.  Innheimtaeigin_peningakrfu_. a f  EfaWilikaupirkrfurYeimtilgangiaWinnheimtaYrsjlfur_atvinnuskyni_ԀYarf_inn Y, heimtuleyfi_ԀsamkvmtlgumYessum. $   III.KAFLI    SambandinnheimtuaWilaog_skuldara_.   X 6.gr. P #  G;Wir_innheimtuhttir_.      InnheimtaskalverasamrmiviWg;Wa_innheimtuhtti_.:sanngjarnarkrfurum_inn    heimtulaun_Ԁteljast_m.a._Ԁtil_slmra_Ԁ_innheimtuhtta_.XaWbrUturjafnframtgegng;Wum_inn   heimtuhttum_ԀaWbeita_skuldara_,fjlskylduhanseWavinnuveitanda;hfilegumYrUstingi, |O  ;nWiheimili,tj;ni,;YgindumeWah;tunumeWabreiWatpers;nulegarupplUsingarum G  Y.     7.gr. {  _InnheimtuviWvrun_. sF  #  EftirgjalddagakrfuskalkrfuhafieWa_innheimtuaWili_Ԁ senda_skuldara_ԀeinaskriflegaviW > vrunYessefnisaWvntamegifrekari_innheimtuaWgerWa_ԀverWikrafaeigigreiddinnan_a.m.k._   tudagafrsendinguviWvrunar.    0viWvrunkomifram: r ! !"i0J"  i0J%2  a  .3  Ԉ0    nfn,_kennitlur_Ԁogheimilisfng_skuldara_,krfuhafaeWaumboWsmannshansoginn j= heimtuaWila;i0J%%݌5 Ќ  "i0J"  i0JJ'2  b  .3  Ԉ0    lUsingkrfu;i0JJ'w'݌ Ќ  "i0J"  i0J8(2  c  .3  Ԉ0    fjrhWkrfuogskal_sundurliWa_Ԁhvers_hfuWst;ll_Ԁoghverjarsu_viWb;tarkrfur_,svo  sem_drttarvextir_Ԁog_innheimtuY;knun_;i0J8(e(݌i Ќ  "i0J"  i0J\*2  d  .3  Ԉ0    frhvaWadegi_drttarvextir_Ԁreiknast;i0J\**݌a4 Ќ  "i0J"  i0J+2  e  .3  Ԉ0    _greiWslustaWur_;ogi0J++݌, Ќ  "i0J"  i0J,2  f  .3  Ԉ0    aW_greiWslufall_Ԁ_skuldara_ԀgetileitttilmlshfWunareWaannarra_innheimtuaWgerWa_Ԁ  grundvelli_rttarfarslaga_ԀogaukinskostnaWarfyrir_skuldara_.i0J,,݌ Ќ    XtelstkrafagreiddefgreiWslahefurboristbanka,sparisj;WieWa_p;stgr;stofu_ԀWuren `  fresturinnerliWinneWagreiWslanersannanlegasett_byrgWarp;st_ԀsWastadegi_frests_. 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'",  '#-   _IV_.KAFLI -  SambandinnheimtuaWilaogkrfuhafa.   9.gr.  _UpplUsingaskylda_ԀinnheimtuaWila. a o4  _InnheimtuaWili_ԀskaleftirbeiWniveitakrfuhafaupplUsingarumganginnheimtu.Ljkiinn Y, heimtusamkvmtlgumYessumneftirfarandi_innheimtuaWgerWa_Ԁgrundvelli_rttarfarslaga_ $ skal_innheimtuaWili_ԀaWbeiWnikrfuhafaafhendahonumskriflegtuppgjrersUnihvaW_skuld  ari_ԀhafiveriWkrafinnum,hvemikiWhannhafigreittoghvenroghverskrafainnheimtu   aWilaumY;knunfyrirvinnuog_tlagWan_ԀkostnaW.  X   10.gr.    MeWferW_innheimtufjr_.    8  _InnheimtuaWili_Ԁskaln_stWulauss_ԀdrttargreiWakrfuhafainnheimtf.InnheimtuaWila   erheimiltaWhaldaeftirfsemnemurfjrhWY;knunartilhansog_tlagWs_ԀkostnaWar. |O    _InnheimtuaWili_,semstundarinnheimtufyriraWra,skalhalda_innheimtufnu_ԀaWskildufr G  eiginf.SkalfWn_stWulauss_Ԁdrttarlagt_vrslufjrreikning_ԀenopinberiraWilar,_viW   skiptabankar_Ԁog_sparisj;Wir_,semmegastundainnheimtun_innheimtuleyfis_Ԁskv.2.mgr.3.   gr.,eruY;undanYegnirYessariskyldu.SrkvWium_vrslufjrreikninga_Ԁlgmannahaldast. {    V.KAFLI >  GreiWsla_innheimtukostnaWar_Ԁog_hmarksfjrhW_Ԁhans.    11.gr.  byrgW_skuldara_ԀgreiWslu_innheimtukostnaWar_. r s=  Ef_skuldari_Ԁhefurgreittinnan_greiWslufrests_Ԁskv.7.gr.verWurhannaWeinskrafinnum j= kostnaWvegnainnheimtuviWvrunar,sbr.12.gr.HiWsamaviWefbrotiWhefurveriWgegn 5 7.gr.YannigaW_viWvrunin_ԀYj;niekkitilgangisnum.    12.gr. i _HmarksfjrhW_Ԁ_innheimtukostnaWar_. a4 @  ViWskiptarWherraskalreglugerWkveWa_hmarksfjrhW_Ԁ_innheimtukostnaWar_,_m.a._ԀY;kn , unar,semheimilteraWkrefja_skuldara_ԀumsamkvmtlgumYessum.Skal_fjrhWin_ԀtakamiW  afllumYeimkostnaWisemkrfuhafiverWurfyrirvegna_innheimtunnar_ԀognauWsynlegurget  urtalist. `    _VI_.KAFLI #"  TmiskvWi.  # 13.gr.  $ _Xagnarskylda_. !W% C  _InnheimtuaWili_ԀogstarfsmennhanserubundnirYagnarskylduum_pers;nuhagi_Ԁogrekstrar O""& eWaviWskiptamlogumnnuratriWisemYeirfvitneskjuum_innheimtustarfi_Ԁsnuogleynt #' skulufarasamkvmtlgumeWaeWlimls._Xagnarskyldan_ԀhelstY;ttltiWsafstarfi. #(   14.gr. {%N!* _StarfsbyrgWartrygging_. F&"+ F  _InnheimtuaWili_,semstundarinnheimtugrundvellileyfisskv.4.gr.,skalhafastarfs '", byrgWartryggingusemtryggir_skuldara_ԀogkrfuhafabturefYeirverWafyrirfjrhagstj;ni '#- sem_leyfishafinn_ԀberskaWab;tabyrgWograkiWverWurtilgleysisstrfumhanseWastarfs - mannahans.SlkatryggingumsetjameWYvaWkaupa_vtryggingu_Ԁhj_vtryggingaflagi_  eWasetja_bankabyrgW_ԀhjbankaeWasparisj;WisemhefurheimildtilaWstarfahrlandi.  Tryggingskalnemaminnst5.500.000_kr_.vegnahverseinstaks_tj;nsatburWar_._HeildarfjrhW_ a _tryggingab;ta_Ԁinnanhvers_vtryggingarrs_ԀeWa_byrgWarrs_Ԁskalnemaminnst16.500.000_kr_. Y, _TryggingarfjrhWir_ԀerumiWaWarviWvsitlu_neysluverWs_ԀogskuluYrbreytast1.janarr $ hvertfrgildistkulaganna.Falli_vtrygging_ԀeWa_bankabyrgW_ԀrgildiskalhlutaWeigandiv  tryggingaflageWa_byrgWaraWili_ԀtilkynnaYaWvtryggingar-eWa_byrgWartaka_ԀogviWkomandi   _eftirlitsaWila_ԀYegarstaW._Tryggingartma_ԀtelstekkilokiWfyrrenliWnareruttavikurfrYv  X aW_vtryggingaflagiW_ԀeWa_byrgWaraWilinn_Ԁtilkynntivtryggingar-eWa_byrgWartaka_Ԁogeftir P #  litsaWilaum_tryggingarslit_ԀeWaniWurfellingubyrgWar.      Ef_leyfishafi_ԀhefursamhliWa_innheimtustarfsemi_ԀmeWhndum_lgmannsstrf_Ԁoghefur    byrgWartryggingutelsthannhafafullngt_tryggingarskyldu_ԀsinnisamkvmtlgumYessum.     15.gr. G  Leyfiogeftirlit.   4R  ViWskiptarWherrafermeW_leyfisveitingu_Ԁog_leyfissviptingu_ԀsamkvmtlgumYessum.     _FjrmlaeftirlitiW_ԀhefureftirlitmeWaW_innheimtustarfsemi_,semlgYessitakatil,ssam {  rmiviWkvWilaganna,reglurgrundvelliYeirraogeftiratvikumsamYykktirhlutaWeig sF andiaWila.SkaleftirlitiWhafaaWgangaWllumupplUsingumsemaWYessmatierunauWsyn > legarvegna_eftirlitsins_.TeljieftirlitiWaWstarfsemisamkvmtlgumYessumsstunduWn   tilskilinsleyfisskalYaWhafasambrileganaWgangaWupplUsingumhjviWkomandiaWilum.    _FjrmlaeftirlitiW_ԀgeturgefiW_innheimtuaWilum_ԀfyrirmliumaWbreytastarfshttumsnum r efhttaerYvaWYeirbrj;tibgaviWlgYessi.WurentilfyrirmlakemurgetureftirlitiW j= lokiWmlinumeWstt.Hafisttkomistgildirhnsemfyrirmli. 5   _FjrmlaeftirlitiW_ԀgeturtilbrWabirgWalagtbannviW_leyfisbundinni_Ԁ_innheimtustarfsemi_,  efskilyrWum1.mgr.3.gr.erekkifullngt,eWagefiWinnheimtuaWilafresttilaWfullngja  Yeim.VerWieigirbttskaleftirlitiWgeratillgutilrWherraum_sviptingu_Ԁleyfis. i   _FjrmlaeftirlitiW_ԀfermeWeftirlitsamkvmtlgumYessumoglgumumopinberteftirlit a4 meWfjrmlastarfsemi. ,   Gagnvart_lgmnnum_Ԁfer_Lgmannaflag_Ԁ0slandsmeWeftirlitsamkvmtlgumYessum  oglgumumlgmenn.    16.gr. X+! Svipting_innheimtuleyfis_. #" [  Sviptam_leyfishafa_Ԁ_innheimtuleyfi_Ԁskv.4.gr.ef: # ! ! (00"i0J"  i0Jx]2  a  .3  Ԉ0    hannhefurbrotiWgegnskyldumsnumsamkvmtlgumYessum;eWai0Jx]]݌ $ Ќ  "i0J"  i0J^2  b  .3  Ԉ0    skilyrWifyrirveitinguleyfiseruekkilengurtilstaWar.i0J^^݌!W% Ќ    17.gr. #' Refsingar. #( _  Brotgegn3.,7.og13.gr.og3.!4.mgr.15.gr.lagaYessaraeWakvWumreglugerWar $ ) grundvellilagannavarWasektumnemamltsfyrirumYyngriviWurlgWrumlgum.Brot {%N!* gegn7.gr.skalY;veratrekaWeWast;rfellt. F&"+   MeWmltafbrotumlgumYessumskalfaraaWhttiopinberramla. '",  '#-   18.gr. - _ReglugerWarheimild_.  a  ViWskiptarWherrageturmeWreglugerWsettnnarikvWiumframkvmdlagaYessara.    19.gr. Y, _Gildistaka_. $ c  LgYessiWlastgildi1.jl2004ogskalbeitaYeimum_innheimtustarfsemi_ԀsemstunduW  ereftirgildistkulaganna.     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G  @#dggGreinargerW.#ggdhԈ     MarkmiWiWmeWYessufrumvarpieraWsettarverWikveWnarmeginregluruminnheimtu {  tilhagsb;tafyrirneytendur,_m.a._Ԁumg;Wa_innheimtuhtti_.XerfrumvarpinutlaWaWdraga sF r;eWlilegumkostnaWi_skuldara_Ԁaf_innheimtuaWgerWum_Ԁfrumstigi,_Y.e._ԀWurentilinnheimtu > grundvelli_rttarfarslaga_Ԁkemur.SlklggjfervelYekkthjflestumngrannaYj;Wum   okkar,_m.a._ԀNorWurlndum.NeytendasamtkinhrlandihafamargoftfariWframaWsett  yrWulguminnheimtu.MeWrttuteljaYauaWstaWa_skuldara_Ԁhrlandisafarveikog_inn r heimtuaWilar_ԀgetihagaWsreinsogYeirviljaviWgjaldtkuafYeimsemlendafjrhagserfiW j= leikumogvanskilum. 5   Frumvarpsamaefnisvarlagtfram127.og128.lggjafarYingienvarekkiafgreittr  nefnd.XlagWiviWskiptarWherraframsambrilegtfrumvarp122.og123.lggjafarYingi.  XaWnWiekkiframaWganga_m.a._Ԁvegnagreiningsstj;rnarflokkannaummliW.Xrttfyrir i mikilvgiYessaWsettverWilguminnheimtuvirWaststj;rnarflokkarnirekkihafanWaW a4 leysaYanngreiningsemerYeirramilliummliW.XaWerskoWunflutningsmannaaWmliW , sbrUntogYvverWiaWleggjaYaWfyrirAlYinginU.ViW_framlagningu_Ԁfrumvarpsins128.  lggjafarYingivarfrumvarpviWskiptarWherrafr122.og123.lggjafarYingiendurbtt,_m.a._  meWtillititilathugasemdaogbendingafrUmsum_umsagnaraWilum_ԀsemhfWuboristviW `  meWferWfyrrgreindra_frumvarpa_.Xvar_m.a._ԀsettinnfrumvarpiWaW_innheimtuleyfi_Ԁskyldi X+! eigiveitatillengritmaenfimmrasennogYaWgertaWskilyrWiaWumskjandiumslkt #" leyfivriekkivanskilummeWopinbergjldeWa_vrsluskatta_.kvWi6.gr.umg;Wa_inn # heimtuhtti_ԀvargertfyllranYessY;aWumtmanditalninguvriaWrWa.EinnigvarskUrt  $ nnarkvWi7.gr.um_innheimtuviWvrun_Ԁhvenrkrafateldistgreidd.XvarviWskiptarW !W% herragertaWkveWa_hmarksfjrhW_Ԁ_innheimtukostnaWar_ԀreglugerWenfrumvarpiviW O""& skiptarWherravarumheimildtilrWherraaWrWa.Lagtvartilfrumvarpinu,semlagtvar #' fram128.lggjafarYingi,ogeinnigYessufrumvarpiaWlgumnr.77/1998,umlgmenn, #( yrWibreyttYannvegaWd;msmlarWherrayrWigertskyltaWgefatleiWbeiningarhanda $ ) _lgmnnum_ԀumendurgjaldsemYeimvrihfilegtaWskilja_umbj;Wendum_Ԁsnumrhendi {%N!* _skuldara_ԀvegnakostnaWarafinnheimtu_peningakrfu_.Sskyldad;msmlarWherramunaW F&"+ sjlfsgWutakmarkastviWfyrrnefndaskylduviWskiptarWherraaWsetjareglugerWum_h '", marksfjrhW_Ԁ_innheimtukostnaWar_Ԁgrundvellifrumvarpsins.0YessufrumvarpiergertrW '#- fyriraWeftirlitmeW_lgmnnum_ԀsamkvmtlgunumverWihndum_Lgmannaflags_Ԁ0slands. - 0fyrrifrumvrpum,semlgWhafaveriWfram,hefureftirlitiWveriWfaliW_rskurWarnefnd_Ԁlg  mannaeWastj;rn_Lgmannaflags_Ԁ0slandsenYaWYykirsamrmastbeturlgumumlgmenn,  sbr.orWalag3.gr.laganr.77/1998,aWfelaeftirlitiW_Lgmannaflagi_Ԁ0slands. a   EinsogaWframangreinirerfrumvarpinutlaWaWtakatilinnheimtufrumstigiendaer Y, nauWsynlegtaWhugaWverWihiWfyrstaaWsetningumeginreglnatilaWstyrkjastWu_skuldara_ $ viWinnheimtugrundvelli_rttarfarslaga_.    0frumvarpirWherrasnumtmasagWi_m.a._ԀgreinargerW:?MarkmiWiWmeWfrumvarpinu   ereinkumaWsetjakveWnarmeginregluruminnheimtutilhagsb;tafyrirneytendur,_m.a._  X kvWiumg;Wa_innheimtuhtti_Ԁog_innheimtuviWvrun_,ogdragar;eWlilegumkostnaWi P #  _skuldara_Ԁvegna_innheimtuaWgerWa_ԀfrumstigiWurentilinnheimtugrundvelli_rttarfarslaga_    kemur,_t.d._ԀmeWYvaWtakmarkareglugerW_hmarksfjrhW_Ԁ_innheimtukostnaWar_,_m.a._ԀY;kn    unar,semheimilteraWkrefjahannum.MeWviWvrunvristefntaWYvaWskuldararalmennt   ttukostaWgreiWaskuldsnainnanstutts_frests_ԀmeW_lgmarkskostnaWi_Ԁer_grundvallaWist_ |O  kvrWunreglugerWWurentil_innheimtuaWgerWa_ԀyrWigripiW._Lnardrottinn_Ԁmundivntan G  legaYessustigiinnheimtusjlfursenda_skuldara_ԀviWvrun.HanngtiY;leitaWaWstoWar   lgmannseWaannarsinnheimtuaWilaenbriYsjlfurbyrgWhugsanlegrigreiWslutilhans   umfram_lgmarkskostnaW_. {    EinsogWursegirerfrumvarpYettabyggteldrifrumvrpumrWherraumsamaefniYar sF semaWhlutavarstuWstviWnorsk_innheimtulg_ԀogtilhliWsj;narhfWlggjfannarra_n > grannalanda_ԀumYettaefni.     Samkvmtfrumvarpinumunu_innheimtulg_Ԁskiptastsexkafla.kvWiI.kaflafjallaum  gildissviW_o.fl_.Xarkemur_m.a._ԀframaWlgingildimeWvissumundantekningumuminnheimtu r _gjaldfallinna_ԀkrafnaumgreiWslupeningaogaWunntsmeWsamningiaWvkjafrsumum j= kvWumlaganna.0II.kaflaerfjallaWumskilyrWitilaWmegastundainnheimtu,_m.a._Ԁ_inn 5 heimtuleyfi_.0III.kaflaeraWfinnakvWiumsambandinnheimtuaWila,_m.a._Ԁkrfuhafa,og  _skuldara_,umg;Wa_innheimtuhtti_Ԁog_innheimtuviWvrun_,en_IV_.kaflaerukvWiumsam  bandinnheimtuaWilaogkrfuhafa,nnartiltekiW_upplUsingaskyldu_ԀinnheimtuaWilaogmeW i ferW_innheimtufjr_.0V.kaflaerukvWiumgreiWslu_innheimtukostnaWar_Ԁog_hmarksfjrhW_ a4 hans,_m.a._ԀY;knunar,semkveWaskalreglugerWrWherra.0_VI_.kaflaeruUmiskvWi,_m.a._ , um_starfsbyrgWartryggingu_,eftirlitmeWframkvmdlaganna,_leyfissviptingu_,refsingarog  almenna_reglugerWarheimild_.   @ AthugasemdirviWeinstakargreinarfrumvarpsins. X+!   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Y, EftirsemWurverWurheimiltaWfarabeintaWfreWa_nauWungaruppboW_Ԁvegna_viWskipta $ brfakrafna_ԀeWaannarrakrafna,Yarsemheimildertilslkslgum,nYessaWviWvrunsam  kvmtlgumYessumsgefint.NefnamaWinnheimtalgmannaogallraannarraaWila,   svosembanka,sparisj;Waog_0bWalnasj;Ws_,fellurundirkvWifrumvarpsinsnema_inn  X heimtuaWgerWir_Ԁsugrundvelli_rttarfarslaga_. P #    Innheimta_umdeildra_Ԁ_peningakrafna_,YarsemYrfhefurveriWsrfrWilegrirWgjf,fellur    heldurekkiundirfyrirhuguWlg.Hrgetur_t.d._ԀveriWumaWrWa_lgfrWilega_ԀaWstoWvegna    _umferWarslyss_.     02.mgr.kemurframaW_innheimtuaWilar_Ԁsueinstaklingarog_lgaWilar_Ԁsemannastinn |O  heimtu.HugtakiW_innheimtuaWili_ԀtekuryfirkrfuhafanemaannaWkomifram.Svosemfram G  kemur1.mgr.getur_innheimtan_ԀveriWfyriraWraeWavegnaeiginstarfsemi.Innheimtalaun   YegalaunakrfusinnifllisamkvmtYessuekkiundirlgin,_t.d._ԀkvWinumsendingu_inn   heimtuviWvrunar_. {    Um2.gr. >   Samkvmt1._mlsl_.Yessarargreinargetakrfuhafiog_innheimtuaWili_ԀmeWsamningisn   millivikiWfrkvWum9.gr.um_upplUsingaskyldu_ԀinnheimtuaWilaog1.mgr.10.gr.um  greiWslu_innheimtufjr_. r   nnurkvWilagannaeru;frvkjanleg. j=   Um3.gr.    0greininnierusettskilyrWitilaWmegastundainnheimtufyriraWra.EruYaralmenntgerWar  krfurum_innheimtuleyfi_ԀogfastastarfsstWhrlandiogaukYessYarfgilda_starfsbyrgWar i tryggingu_. a4   Samkvmt2.mgr.YessarargreinarYurfavissiraWilarY;ekki_innheimtuleyfi_ԀtilaWmega , stundainnheimtufyriraWra,meWWrumorWumlgmenn,_viWskiptabankar_Ԁog_sparisj;Wir_Ԁog  opinberiraWilar,_m.a._Ԁ_0bWalnasj;Wur_.XeirsemstundainnheimtuvegnaeiginstarfsemiYurfa  almenntekki_innheimtuleyfi_Ԁendatekur3.gr.,semmlirfyrirum_innheimtuleyfi_,aWeinstil `  innheimtufyriraWra.Skv.5.gr.mundiaWiliY;Yurfa_innheimtuleyfi_Ԁefhannkaupirkrfur X+! YeimtilgangiaWinnheimtaYrsjlfur_atvinnuskyni_. #"   SamkvmtcliW1.mgr.YessarargreinarngirekkiaW_starfsbyrgWartrygging_Ԁskv.14.gr. # stekinheldurYarf_innheimtuaWili_ԀjafnframtaWsjtilYessaWhnstWgildi.  $   Um4.gr. O""& ת  Hrer1.mgr.greintfrYeimskilyrWumsemeinstaklingurYarfaWfullngjatilaWgeta #' WlastinnheimtuleyfienYauerualmenntsWlgrWi,;flekkaWmannorWoglgheimilihr #( landi.XersettYaWskilyrWiaWekkisufyrirhendivanskilopinberumgjldumog_vrslu $ ) skttum_ԀenhliWstWkrafaogfjrhWerdnsku_innheimtulggjfinni_. {%N!*   TekiWskalframaW5.gr.laganr.24/2000,umkosningartilAlYingis,segirsvoum F&"+  ;flekkaWmannorW: '",   &   ?Enginntelsthafa;flekkaWmannorWsemersekureftird;miumverksemer_svvirWilegt_ - aWalmenningslitinemahannhafifengiWuppreistrusinnar.'-     D;murfyrirrefsivertbrothefurekki_flekkun_Ԁ_mannorWs_ԀfrmeWsrnemasakborningur  hafiveriWfullra18raaWaldrierhannframdibrotiWogrefsingsfjgurramnaWafangelsi a _;skilorWsbundiW_ԀhiWminnstaeWa_ryggisgsla_Ԁsdmd.  Y,   _LgaWilar_Ԁsemslkirgetaskv.2.mgr.fengiW_innheimtuleyfi_Ԁendafullngiframkvmda $ stj;rieWayfirmaWurviWkomandistarfsemiogmeirihlutistj;rnarmannahverjumtmaskil  yrWum1.mgr.um_lgrWi_Ԁ_o.fl_.     Xmekkiveita_innheimtuleyfi_Ԁtillengritmaenfimmrasenn.  X   Um5.gr.    E  0greininnifelstundantekningfrYvaWeigiYurfi_innheimtuleyfi_ԀefinnheimtaerstunduW    vegnaeiginstarfsemi.XykirrttaWgerakrfutil_innheimtuleyfis_ԀefaWilikaupirkrfurYeim   tilgangiaWinnheimtaYrsjlfur_atvinnuskyni_.Xettagildirekkiumlgmenn,opinberaaWila, |O  viWskiptabankaogsparisj;Wisemmegastundainnheimtun_innheimtuleyfis_Ԁskv.2.mgr. G  3.gr.     Um6.gr. {  !  0greininnierkveWiWumg;Wainnheimtuhtti. sF   Hrerum_vsireglu_ԀaWrWasvipaWogsjm_t.d._Ԁ20.gr._samkeppnislaga_,nr.8/1993,um > g;Wa_viWskiptahtti_Ԁatvinnustarfsemi.Krafanumg;Wa_innheimtuhtti_ԀgildirbWiumsam   skiptiinnheimtuaWilaviW_skuldara_ԀogkrfuhafaY;tt_kaflaheitiW_Ԁgangiskemmra.0framkvmd  skiptirreglanY;vntanlegamestumliumsamskiptiinnheimtuaWilaog_skuldara_.Vernd r kvWisinsgeturYnWtilfjlskyldu_skuldara_,atvinnurekandahansogkunningjahans. j= GtaverWurg;Wra_innheimtuhtta_ԀviWsrhverjarWstfuneWaathfnsemerYttur_inn 5 heimtunni_.    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O""&   XaWgeturbrotiWgegng;Wum_viWskiptahttum_Ԁefbeitterh;tunumumaWveitaWrumupp #' lUsingarumstWu_skuldara_,svosemmaka,atvinnurekandaeWakunningjum.Wruvsistendur #( YegarumeraWrWaaWrasemtengdirerumlinueinneWaannanhtt,_t.d._Ԁ_samskuldara_ $ ) eWa_byrgWarmann_. {%N!*   XaWgeturtalistbrotg;Wum_innheimtuhttum_ԀaWbreiWatpers;nulegarupplUsingarum F&"+ _skuldara_,fjlskylduhanseWavinnuveitanda.Umskilgreininguhugtakinupers;nulegarupp '", lUsingarvsasttillaganr.77/2000,um_pers;nuvernd_ԀogmeWferWpers;nuupplUsinga. '#-   XaWgeturbrotiWgegng;Wum_innheimtuhttum_ԀaWh;taaWbirtaopinberlegaupplUsingar - um_greiWsluhfi_Ԁ_skuldara_ԀfrekarimlienheimilteraWlgum.    Endanlegt_rlausnarvald_ԀumYaWhvaWteljistg;Wir_innheimtuhttir_ԀeraWsjlfsgWuhnd  umd;mst;la. a   Um7.gr. $   0greininnierfjallaWuminnheimtuviWvrun.    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YessutekiWsrstakttillittilinnheimtugrundvelli_handhafabrfa_. #"   03.mgr.segiraWkrafateljistgreiddefgreiWslahefurboristWurensettur_frestur_ԀerliWinn. # NgilegteraWgreiWslanberistbanka,sparisj;WieWa_p;stgr;stofu_ԀeWassett_byrgWarp;st_  $ sWastadegi_frests_ԀendasslktsannaW. !W%   04.og5.mgr.erveittheimildtilaWvkjafrkvWumgreinarinnarumsendingu_inn O""& heimtuviWvrunar_Ԁsrstkumtilvikum. #'   Samkvmt4.mgr.mvkjafrkvWunumefhttaeraWmguleikumfullnustukrfu #( verWispillt.NefnamhttuaWkrafanfyrnistefmlerekkihfWaW.Undirllumkringum $ ) stWumverWureinungisvikiWfrkvWunumaWYvmarkisemnauWsynlegtertilaWkoma {%N!* vegfyrirhttuaW_fullnustumguleikum_ԀverWispillt.EfunnteraWfylgjakvWunumn F&"+  YessaWhttanaukisterinnheimtuaWilaYaWskylt. '",   &   05.mgr.ertekiWYvef_skuldari_Ԁhreyfirsannanlegam;tbrumgegn_peningakrfu_.Xer - innheimtuaWilaheimiltaWhverfafr'-venjulegum_innheimtuaWferWum_,semellaerskyltaW  gta,ogberagreiningumrttmtikrfunnarundird;mst;la.0slkumtilvikumerYaW  meginreglanaW_innheimtuaWili_ԀYarfekkiaWtakaafstWutilYesshvort_m;tbran_Ԁsstudd a efnislegumrkumeWaaWeinstilraun_skuldara_ԀtilaWdragaaWgreiWakrfuna. Y,   TilfrekariskUringarervsaWtilathugasemdaviW1.gr.umaWviWvrungetikomiWstaW $ _innheimtubrfa_,svoogtengslviWvrunarviW_innheimtuaWgerWir_Ԁgrundvelli_rttarfarslaga_,  enalmenntmtlaaW_viWvrunin_ԀyrWiundanfarislkraaWgerWa.Kj;siaWiliaWsenda_skuldara_   trekunyrWiYaWaWteljastheimiltendasekkiundantekningartilvikumbrotiWmeWYv  X bgaviWreglunaumg;Wa_innheimtuhtti_. P #    Um8.gr.    \  0greininnierfjallaWumumboWinnheimtuaWilaogfelurhn_m.a._ԀsraWuppgjrviWinn   heimtuaWilaerbWihvaWvarWarstaWogtmajafngiltgreiWslutilkrfuhafasjlfs._Skuldari_ |O  aWgetagertrWfyriraW_innheimtuaWili_ԀhafiumboWtilaWtakaviWgreiWsluogsemjaum G  hana,jafnveltilaWgefaallakrfunaeftireWahlutahennareWaveita_greiWslufrest_,svoaW   bindandisfyrirkrfuhafa.Gangi_innheimtuaWili_ԀoflangtkannhannaWbakasr_b;taskyldu_   gagnvartkrfuhafa.GengiWertfrYv,Y;ttYaWsekkitekiWframberumorWum,aW_inn {  heimtuaWili_ԀhafifengiWumboWfrkrfuhafatilinnheimtu. sF   SamningarumgreiWsluskuluveraskriflegir. >   Um9.gr.  @  Greininfjallarum_upplUsingaskyldu_ԀinnheimtuaWilagagnvartkrfuhafaendafarissWar r nefndiframupplUsingarum_innheimtuna_.XaWerundirmatiinnheimtuaWilakomiWhvaWa j= upplUsingarhannveitirkrfuhafaoghvenr.SrstkstWageturveriWtilaWvekjaathygli 5 krfuhafam;tbrumsem_skuldari_ԀhefurhaftuppiY;ttekkisgertrWfyrirafdrttarlausri  regluumYaWefni.Ljkiinnheimtusamkvmt_innheimtulgum_Ԁneftirfarandi_innheimtuaW  gerWa_Ԁgrundvelli_rttarfarslaga_Ԁskal_innheimtuaWili_ԀY;aWbeiWnikrfuhafaafhendahonum i skriflegtuppgjrogerkveWiWumYaWhvaWYarskuligreina.0Yessufelst_t.d._ԀaWlgmaWur, a4 erlokiWhefWiinnheimtugrundvelli_innheimtulaga_ԀenhfWaWisWanmltilinnheimtukrf , unnar,YyrftiekkiaWafhendakrfuhafaslktskriflegtuppgjrsemkveWiWerumgreininni.    GreinYessium_upplUsingaskylduna_Ԁer_frvkjanleg_,sbr.2.gr.    Um10.gr. X+!   01.mgr.erkveWiWumskilinnheimtuaWila_innheimtuf_.Skv.2.gr.erYessimlsgrein #" _frvkjanleg_. #   02.mgr.,semerekki_frvkjanleg_,erkveWiWumskylduinnheimtuaWila,semstundainn  $ heimtufyriraWra,tilaWhalda_innheimtuf_ԀaWskildufreiginf.TilaWfullngjaYeirrikrfu !W% YarfaWleggjafW_vrslufjrreikninga_ԀYannigaWYaWverWiekkidregiWundir_gjaldYrotaskipti_ O""& _innheimtuaWilans_ԀeftilYeirrakemur.OpinberiraWilar,_viWskiptabankar_Ԁog_sparisj;Wir_,sem #' megastundainnheimtun_innheimtuleyfis_Ԁskv.2.mgr.3.gr.,eruY;undanYegnirYessari #( skylduogsrkvWium_vrslufjrreikninga_Ԁlgmannahaldast. $ )   NefnamYessusambandiaWreglugerWnr.201/1999,um_fjrvrslureikninga_Ԁlgmanna {%N!* _o.fl_.,segir1.gr.aWlgmaWur,semtekuraWsraWvarWveitafjrmunifyrir_umbj;Wendur_ F&"+ sna,skulihaldaYeimskUrtaWgreindumfreiginnafniogjafnframtshonumskyltaWveita '", stj;rn_Lgmannaflags_Ԁ0slandsupplUsingarum_vrsluf_,svosemnnarskveWiWum '#- reglugerWinni.04.gr.segiraWfjrhW,semsamsvararstWu_fjrvrslureiknings_Ԁb;khaldi - lgmanns,skulivarWveittsrstkum_bankareikningi_/-reikningumviWskiptabankaeWaspari  sj;Wi,_fjrvrslureikningi_._Fjrvrslureikning_Ԁskalstofnanafnilgmannsoghefurhann  formlega_rWstfunarheimild_Ԁyfir_reikningnum_.LgmaWurerekkieigandi_innstWu_Ԁreikn a ingisamkvmtgreininnioger_innstWan_Ԁekkihftandlag_aWfarargerWa_ԀhjhonumeWa Y, grundvllurtryggingafyrirviWskiptumhanseWaannarra.ReikningurYessiskalaWgreindur $ freiginflgmannsogstendur_innstWa_Ԁhonumutan_skuldaraWar_ԀviWskiptibilg  manns.     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P #    Um11.gr.    o  0greininnierfjallaWumbyrgW_skuldara_ԀgreiWslukostnaWarvegnainnheimtusamkvmt   hinumfyrirhuguWu_innheimtulgum_.ReglurnarfjallaannarsvegarumYautilvik,er_skuldari_ |O  hefurgreittinnan_greiWslufrests_ԀviWvrungrundvelli7.gr.,eWahinsvegarer_innheimtu G  aWilar_,_m.a._Ԁ_krfuhafar_,hafabrotiWYanniggegnkvWum7.gr.aW_viWvrunin_ԀYj;niekkitil   gangisnum.0YessumsrstkutilvikumverWur_skuldari_ԀekkikrafinnumhrrikostnaWen   kveWiWerumreglugerWviWskiptarWherraskv.12.gr. {    Um12.gr. >   0greininnierfjallaWumskylduviWskiptarWherratilsetningarreglugerWarYarsemkveWa   um_hmarksfjrhW_Ԁ_innheimtukostnaWar_,_m.a._ԀY;knunar.02._mlsl_.erYaWskilyrWisettaW  _hmarksfjrhW_Ԁ_innheimtukostnaWar_ԀskulitakamiWafllumYeimkostnaWisemkrfuhafi r verWurfyrirvegna_innheimtunnar_ԀognauWsynlegurgeturtalist. j=   MeWYvaWsetjakvWiumhmarkY;knunarmstuWlaaWYvaWkrfurhendur_skuld 5 ara_,Yarsem_skuldari_ԀhefurekkertvaluminnheimtuaWila,verWiekkistraxsendar;eWlilega  dUrainnheimtukostnaWhans.Kj;sikrfuhafiaWgreiWa_umframY;knun_ԀgeturhannYaW.  hinnb;ginnerekkistefntaWYvaW_skuldari_ԀkomisthjYvaWgreiWa_tlagWan_ԀkostnaW,sem i almenntyrWinefainnan_h;flegra_Ԁmarka,ogjafnveltlaWankostnaW.MeWkostnaWiermeW a4 WrumorWumttviWbeinanog_;beinan_ԀkostnaWsemleiWirafinnheimtusamkvmt_inn , heimtulgum_.ReglugerWinnWiekkifremurenlgintilaWgerWagrundvelli_rttarfarslaga_,  _t.d._ԀY;knunarlgmannavegna_aWfarar_ԀeWa_nauWungaruppboWs_ԀeWaopinberragjaldaYvsam  bandi. `    Um13.gr. #" }   0greininnierfjallaWumYagnarskylduinnheimtuaWila,svoogstarfsmannahansvWri # merkingu.  $   Um14.gr. O""& ^  0YessarigreinerukvWium_starfsbyrgWartryggingu_ԀinnheimtuaWila. #'   Um15.gr. $ ) /  GerterrWfyrirYv1.mgr.aWviWskiptarWherraveitileyfiogsvipti_leyfishafa_ԀYeim. {%N!*   Xer2.mgr.gertrWfyriraW_FjrmlaeftirlitiW_ԀhafialmennteftirlitmeW_innheimtustarf F&"+  semi_Ԁgrundvellilaganna. '",   & a  03.mgr.erukvWiumheimild_Fjrmlaeftirlitsins_ԀtilaWgefa_innheimtuaWilum_,_m.a._ - krfuhfum,fyrirmliumaWbreytastarfshttumsnumogjafnframtumlokmlsmeWstt  ergildisemfyrirmli.'a--    04.mgr.erheimildtilaWbanna_leyfisbundna_Ԁ_innheimtustarfsemi_ԀtilbrWabirgWa.VerWi a eigirbttskal_FjrmlaeftirlitiW_ԀgeratillgutilrWherraum_sviptingu_Ԁleyfis. Y,   Samkvmt6.mgr.fer_Lgmannaflag_Ԁ0slandsmeWeftirlitmeWframkvmdlagaYessara $ gagnvart_lgmnnum_._Lgmannaflag_Ԁ0slandsmunhafaeftirlitmeWstarfsemilgmannasem  stundainnheimtuaukannarrastarfa,_m.a._ԀeftirlitmeWgjaldtkuYeirra,_vrslufjrreikningum_   og_starfsbyrgWartryggingu_.HugsanlegteraW_FjrmlaeftirlitiW_Ԁog_Lgmannaflag_Ԁ0slands  X hafi,efYurfaYykir,meWsrsamrWogjafnvelsamstarfumgerW_verklagsreglna_,semtengjast P #  einstkumYttumeftirlits,tilaWtryggjasemmestsamrmivarWandiframkvmdlaganna,    einkumaWYvervarWarg;Wa_innheimtuhtti_.      Um16.gr. |O    0greininnierkveWiWum_sviptingu_Ԁ_innheimtuleyfis_,_m.a._Ԁef_leyfishafi_Ԁhefurekkifullngt G  skyldumsnum.0Yvsambandim_m.a._ԀbendaaW_leyfishafinn_ԀskalfullngjaskilyrWum6.   gr.umg;Wa_innheimtuhtti_,7.gr.um_innheimtuviWvrun_Ԁog3.mgr.15.gr.umaWfylgja   fyrirmlumumaWbreytastarfshttum.GtaYarf_stj;rnsUslulaga_ԀviWframkvmdkvWanna. {    Um17.gr. >    0YessarigreinerukvWiumrefsingar.kvWiWumhlutdeildgeturleitttilYessaWstarfs   mnnuminnheimtuaWilasjafnvelrefsaW,svoogkrfuhafaeWaWrumsemgetaveriW_hlut  deildarmenn_ԀbrotiinnheimtuaWila. r   Um18.gr. 5   0greininniergertrWfyriralmennri_reglugerWarheimild_ԀviWskiptarWherra.    Um19.gr. i   0greininnier_gildistkukvWi_. a4   LagtertilaWviWgildistkulagaYessaraverWijafnframtgerWsbreyting3.mgr.24.gr. , laganr.77/1998,umlgmenn,aWd;msmlarWherraskuliaWfenginniumsgn_Lgmanna  flags_Ԁ0slandsgefatleiWbeiningarhanda_lgmnnum_ԀumendurgjaldsemYeimshfilegt  aWskilja_umbj;Wendum_Ԁsnumrhendi_skuldara_ԀvegnakostnaWarafinnheimtu_peningakrfu_. `  :breytt_lgmannalg_Ԁskyldaekkid;msmlarWherratilsetningarleiWbeininganna.Sheimild X+! semhannnhefurervWtkarienskyldaviWskiptarWherrasamkvmtlgumYessumYar #" semleiWbeiningard;msmlarWherraeigaaukYessaWntilYesskostnaWarsemkannaWleiWa # af_innheimtuaWgerWum_Ԁgrundvelli_rttarfarslaga_,svofremisem_d;msml_ԀhefurekkiveriW  $ hfWaWtil_heimtu_ԀkrfuogYykirYvrttaWbreytaheimildd;msmlarWherraskyldu.Skylda !W% d;msmlarWherramunY;auglj;slegantakmarkastafskylduviWskiptarWherratilaWsetja O""& reglugerWum_hmarksfjrhW_Ԁ_innheimtukostnaWar_Ԁsemtilfellurfrumstigiinnheimtusam #' kvmtlgumYessum. #(