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InnheimtuaWilarmegaYvaWeinsstundainnheimtufyriraWra: !  3(5h80_ikmo"i(m"  i(mg 25h  a  .3  Ԉ0    aWYeirhafifengiWinnheimtuleyfiskv.15.gr.,sbr.4.gr.;i(mg ݌q" Ќ  "i(m"  i(m25h  b  .3  Ԉ0    aWinnheimtansstunduWfrfastristarfsstWhrlandinemaannaWleiWiafalYj;Wa d<# samningumsembinda0sland;ogi(m݌/ $ Ќ  "i(m"  i(m 25h  c  .3  Ԉ0    aWstarfsbyrgWartryggingskv.14.gr.sgildi.i(m 7݌ % Ќ    LgmennmegaY;stundainnheimtuninnheimtuleyfis,svoogopinberiraWilar,viW !& skiptabankarogsparisj;Wir,aWrarlnastofnanirogverWbrfafyrirtki. "h'   4.gr. &$) Veitinginnheimtuleyfis. $ *   Innheimtuleyfierveittgrundvelliums;knarfreinstaklingisem: %!+ ! ! 6(Eh883"i(m"  i(my2Eh  a  .3  Ԉ0    erlgrWaoghefurundanfarinfimmrhvorkifariWframeWaveriWgreiWslustWvun &_", nbhansveriWtekiWtilgjaldYrotaskipta;i(my݌R'*#- Ќ  "i(m"  i(m2Eh  b  .3  Ԉ0    hefur;flekkaWmannorWsvosemskiliWertilkjrgengisviWkosningartilAlYingis;i(m4݌#(#. #Ќ  "i(m"  i(mM2Eh  c  .3  Ԉ0    &  bUryfirngilegriYekkingueWastarfsreynslutilaWgetagegntstarfisnutilhlUWilegan ( htt;'(i(mMz݌ Ќ  "i(m"  i(m2Eh  d  .3  Ԉ0    hefurlgheimilihrlandinemaannaWleiWiafalYj;Wasamningumsembinda0sland;i(m݌ Ќ  "i(m"  i(m2Eh  e  .3  Ԉ0    erekkivanskilummeWvrsluskatta.i(m=݌a Ќ    Innheimtuleyfiereinnigveittsamkvmtums;knfrlgaWilaendafullngiframkvmda T, stj;rieWayfirmaWurviWkomandistarfsemiskilyrWum1.mgr.    5.gr.   Innheimtaeiginpeningakrfu.  X   EfaWilikaupirkrfurYeimtilgangiaWinnheimtaYrsjlfuratvinnuskyniYarfinn K #  heimtuleyfisamkvmtlgumYessum.      III.KAFLI    SambandinnheimtuaWilaogskuldara.  wO  6.gr. B  G;Wirinnheimtuhttir.    #  InnheimtaskalverasamrmiviWg;Wainnheimtuhtti.     XaWtelstbrj;tabgaviWg;WainnheimtuhttiaWbeita;hfilegumYrUstingi,tj;nieWa {  ;Ygindum. nF   7.gr.  InnheimtuviWvrun.    EftirgjalddagakrfuskalkrfuhafieWainnheimtuaWilisendaskuldaraeinaskriflega r viWvrunYessefnisaWvntamegifrekariinnheimtuaWgerWaverWikrafaeigigreiddinnan e= tudagafrsendinguviWvrunar.VeitamlengrifresttilgreiWslu. 0   0viWvrunkomifram:  ! ! 6(Eh886"i(m"  i(m 2Eh  a  .3  Ԉ0    nfn,kennitlurogheimilisfngskuldara,krfuhafaeWaumboWsmannshansoginn  heimtuaWila;i(m ݌i Ќ  "i(m"  i(m "2Eh  b  .3  Ԉ0    lUsingkrfu;i(m "8"݌\4 Ќ  "i(m"  i(m"2Eh  c  .3  Ԉ0    fjrhWkrfuogskalsundurliWahvershfuWst;lloghverjarsuviWb;tarkrfur,svo ' semdrttarvextiroginnheimtuY;knun;i(m"&#݌ Ќ  "i(m"  i(m}$2Eh  d  .3  Ԉ0    frhvaWadegidrttarvextirreiknast;i(m}$$݌ Ќ  "i(m"  i(m%2Eh  e  .3  Ԉ0    greiWslustaWur;ogi(m%%݌`  Ќ  "i(m"  i(mv&2Eh  f  .3  Ԉ0    aWgreiWslufallskuldaragetileitttilmlshfWunareWaannarrainnheimtuaWgerWa S+! grundvellirttarfarslagaogaukinskostnaWarfyrirskuldara.i(mv&&݌" Ќ    Xeirsemstundainnheimtuvegnaeiginstarfsemiogfallaekkiundir2.mgr.3.gr.getasent # innheimtuviWvrunskv.1.!2.mgr.fyrirgjalddagaendakomieigitilgreiWsluinnheimtu  $ Y;knunarvegnaviWvrunarinnarskv.cliWskrafagreiddsWastalagitudgumeftirgjald !W% daga. J""&   KrafatelstgreiddefgreiWslahefurboristWurenfresturinnerliWinneWagreiWslaner #' sannanlegasettbyrgWarp;stfyrirlokfrestsins. #(   EfhttaeraWmguleikumfullnustukrfuverWispillteWaaWrirmikilvgirhagsmunir $ ) eruhfimvkjafrkvWumYessarargreinarumsendinguviWvrunar. v%N!*   Efskuldarihefursannanlegahreyftm;tbrumgegnpeningakrfuerheimiltaWbera A&"+ greiningumrttmtikrfunnarundird;mst;lanYessaWfyrstsgttkvWaYessarar  '", greinar. '#- Ї  & , 8.gr. ( UmboWinnheimtuaWila.  z,  GreiWslaskuldaratilinnheimtuaWilaeWasamningurviWinnheimtuaWilaumgreiWsluhefur  samagildifyrirskuldaraoggreitthafive',(,riWtilkrfuhafasjlfseWasamiWviWhannum a greiWsluna.SamningarumgreiWsluskuluveraskriflegir. T,   IV.KAFLI   SambandinnheimtuaWilaogkrfuhafa.    9.gr.  X UpplUsingaskyldainnheimtuaWila. K #  ^.  InnheimtuaWiliskaleftirbeiWniveitakrfuhafaupplUsingarumganginnheimtu.Ljki    innheimtusamkvmtlgumYessumneftirfarandiinnheimtuaWgerWagrundvellirttar    farslagaskalinnheimtuaWiliaWbeiWnikrfuhafaafhendahonumskriflegtuppgjrersUni   hvaWskuldarihafiveriWkrafinnum,hvemikiWhannhafigreittoghvenroghverskrafa wO  innheimtuaWilaumY;knunfyrirvinnuogtlagWankostnaW. B    10.gr.   MeWferWinnheimtufjr. {  w1  InnheimtuaWiliskalnstWulaussdrttargreiWakrfuhafainnheimtf.InnheimtuaWila nF erheimiltaWhaldaeftirfsemnemurfjrhWY;knunartilhansogtlagWskostnaWar. 9   InnheimtuaWili,semstundarinnheimtufyriraWra,skalhaldainnheimtufnuaWskildufr  eiginf.SkalfWnstWulaussdrttarlagtvrslufjrreikningenopinberiraWilar,viW  skiptabankarogsparisj;Wir,aWrarlnastofnanirogverWbrfafyrirtki,semmegastunda r innheimtuninnheimtuleyfisskv.2.mgr.3.gr.,eruY;undanYegnirYessariskyldu.Sr e= kvWiumvrslufjrreikningalgmannahaldast. 0   V.KAFLI   GreiWslainnheimtukostnaWaroghmarksfjrhWhans.  i 11.gr. \4 byrgWskuldaragreiWsluinnheimtukostnaWar. '  5  EfskuldarihefurgreittinnangreiWslufrestsskv.7.gr.verWurhannaWeinskrafinnum  kostnaWvegnainnheimtuviWvrunar,sbr.12.gr.,Y;ekkief3.mgr.7.gr.erbeitt.HiWsama  viWefbrotiWhefurveriWgegn7.gr.YannigaWviWvruninYj;niekkitilgangisnum. `    12.gr. " HmarksfjrhWinnheimtukostnaWar. # 7  ViWskiptarWherrageturaWhfWusamrWiviWhelstuhagsmunaaWilakveWiWreglugerW  $ hmarksfjrhWinnheimtukostnaWar,m.a.Y;knunar,semheimilteraWkrefjaskuldaraum !W% samkvmtlgumYessum.SkalfjrhWintakamiWafYeimkostnaWisemkrfuhafiverWur J""& fyrirvegnainnheimtunnarognauWsynlegurogh;flegurgeturtalist.HeimilteraWinnheimta #' viWb;tvegnaumdeildrapeningakrafnaYarsemYrfhefurveriWsrfrWilegrirWgjf. #(   $ )   &   VI.KAFLI (  TmiskvWi.   13.gr.  Xagnarskylda. a :  InnheimtuaWiliogstarfsmennhanserubundnirYagnarskylduumpers;nuhagiogrekstrar- T, eWaviWskiptamlogumnnuratriWisem'(:ԀYeirfvitneskjuuminnheimtustarfisnuogleynt  skulufarasamkvmtlgumeWaeWlimls.XagnarskyldanhelstY;ttltiWsafstarfi.    14.gr.  X StarfsbyrgWartrygging. K #  =  InnheimtuaWili,semstundarinnheimtugrundvellileyfisskv.4.gr.,skalhafastarfs    byrgWartryggingusemtryggirskuldaraogkrfuhafabturefYeirverWafyrirfjrhagstj;ni    semleyfishafinnberskaWab;tabyrgWograkiWverWurtilgleysisstrfumhanseWastarfs   mannahans.SlkatryggingumsetjameWYvaWkaupavtrygginguhjvtryggingaflagi wO  eWasetjabankabyrgWhjbankaeWasparisj;WisemhefurheimildtilaWstarfahrlandi. B  Tryggingskalnemaminnst5.500.000kr.vegnahverseinstakstj;nsatburWar.HeildarfjrhW    tryggingab;tainnanhversvtryggingarrseWabyrgWarrsskalnemaminnst16.500.000kr.   FallivtryggingeWabankabyrgWrgildiskalhlutaWeigandivtryggingaflageWabyrgWar {  aWilitilkynnaYaWvtryggingar-eWabyrgWartakaogviWkomandieftirlitsaWilaYegarstaW. nF TryggingartmatelstekkilokiWfyrrenliWnareruttavikurfrYvaWvtryggingaflagiWeWa 9 byrgWaraWilinntilkynntivtryggingar-eWabyrgWartakaogeftirlitsaWilaumtryggingarslit  eWaniWurfellingubyrgWar.    EfleyfishafihefursamhliWainnheimtustarfsemimeWhndumlgmannsstrfoghefur r byrgWartryggingutelsthannhafafullngttryggingarskyldusinnisamkvmtlgumYessum. e=   15.gr.  Leyfiogeftirlit.   D  FjrmlaeftirlitiWfermeWleyfisveitinguogleyfissviptingusamkvmtlgumYessum. i   FjrmlaeftirlitiWhefureftirlitmeWaWinnheimtustarfsemi,semlgYessitakatil,s \4 samrmiviWkvWilaganna,reglurgrundvelliYeirraogeftiratvikumsamYykktirhlut ' aWeigandiaWila.SkaleftirlitiWhafaaWgangaWllumupplUsingumsemaWYessmatierunauW  synlegarvegnaeftirlitsins.TeljieftirlitiWaWstarfsemisamkvmtlgumYessumsstunduW  ntilskilinsleyfisskalYaWhafasambrileganaWgangaWupplUsingumhjviWkomandi `  aWilum.GetureftirlitiWkrafistYessaWslkristarfsemishttYegarstaW.JafnframterYv S+! heimiltaWbirtaopinberleganfnaWilasemtaldirerubj;WainnheimtuYj;nustuntilskilinna " leyfa. #   HeimilteraWbeitakvWumlagaumopinberteftirlitmeWfjrmlastarfsemiumdagsektir  $ ogleitoghaldggnumviWeftirlitogupplUsingaflunsamkvmtYessarigrein. !W%   XeirsemhafafengiWinnheimtuleyfihjFjrmlaeftirlitinuskulurlegagreiWaeftirlits J""& gjaldvegnastarfsemisinnarsamrmiviWkvWilagaYarum.EftirlitiWgeturlagtstj;rn #' valdssektirhvernYannsembrUturgegnkvWunumumeftirlitsgjald. #(   FjrmlaeftirlitiWgeturgefiWinnheimtuaWilumfyrirmliumaWbreytastarfshttumsnum $ ) efhttaerYvaWYeirbrj;tibgaviWlgYessi.Wurentilfyrirmlakemurgetureftir v%N!* litiWlokiWmlinumeWstt.Hafisttkomistgildirhnsemfyrirmli.FjrmlaeftirlitiW A&"+ geturlagtstj;rnvaldssektirhvernYannsembrUturgegnsttmilliFjrmlaeftirlitsinsog  '", innheimtuaWila. '#-   FjrmlaeftirlitiWgeturtilbrWabirgWalagtbannviWleyfisbundinniinnheimtustarfsemi, ( efskilyrWum3.gr.erekkifullngt,eWagefiWinnheimtuaWilafresttilaWfullngjaYeim.  VerWieigirbttskaleftirlitiWgerarWstafanirtilsviptingarleyfis.    FjrmlaeftirlitiWfermeWeftirlitsamkvmtlgumYessumoglgumumopinberteftirlit a meWfjrmlastarfsemi. T,   GagnvartlgmnnumferrskurWarnefndlgmannameWeftirlitsamkvmtlgumYessum  oglgumumlgmenn.    16.gr.  X Sviptinginnheimtuleyfis. K #  O  FjrmlaeftirlitiWgetursviptleyfishafainnheimtuleyfiskv.4.gr.ef:    ! ! 3(5h886"i(m"  i(msQ25h  a  .3  Ԉ0    hannhefurbrotiWgegnskyldumsnumsamkvmtlgumYessum;eWai(msQQ݌   Ќ  "i(m"  i(mR25h  b  .3  Ԉ0    skilyrWifyrirveitinguleyfiseruekkilengurtilstaWar.i(mRR݌  Ќ    17.gr. B  Refsingar.    S  Brotgegn3.,7.og13.gr.og3.!4.mgr.15.gr.eWakvWumreglugerWargrundvelli   lagannavarWasektumnemamltsfyrirumYyngriviWurlgWrumlgum.Brotgegn7. {  gr.skalY;veratrekaWeWast;rfellt. nF   MeWmltafbrotumlgumYessumskalfaraaWhttiopinberramla. 9   18.gr.  ReglugerWarheimild. r U  ViWskiptarWherrageturmeWreglugerWsettnnarikvWiumframkvmdlagaYessara. e=   19.gr.  Gildistaka.  V  LgYessiWlastYegargildi.XeimskalsWastalagibeittuminnheimtustarfsemifr1. i n;vember2008.Xanndagfellurrgildi3.mgr.24.gr.laganr.77/1998,umlgmenn. \4 @ #dggAthugasemdirviWlagafrumvarpYetta.#ggd"XԈ    FrumvarpYetta,semsamiWhefurveriWviWskiptarWuneytinu,byggisteinkum  stj;rnarfrumvarpifr123.lggjafarYingi1998!1999,munnlegumathugasemdumefnahags- `  ogviWskiptanefndarviWYaWfrumvarpogvissumatriWumrYingmannafrumvarpifr132. S+! lggjafarYingi2005!2006.EinkumerhertnokkuWskilyrWumfyrirveitinguinnheimtuleyfis " 4.gr.XerukvWi6.gr.umg;WainnheimtuhttigerWtarlegri.kvWi14.gr.umstarfs # byrgWartryggingumiWastekkilengurviWvsitlu.015.gr.erkveWiWumaWFjrmla  $ eftirlitiWfarimeWleyfisveitinguogleyfissviptingustaWviWskiptarWherraogeruYarm.a. !W% settkvWiumeftirlitsgjald. J""&   MarkmiWiWmeWfrumvarpinuereinkumaWsetjakveWnarmeginregluruminnheimtutil #' hagsb;tafyrirneytendur,m.a.kvWiumg;WainnheimtuhttioginnheimtuviWvrun,og #( dragar;eWlilegumkostnaWiskuldaravegnainnheimtuaWgerWafrumstigi,t.d.meWYvaW $ ) takmarkareglugerWhmarksfjrhWinnheimtukostnaWar,m.a.Y;knunar,semheimilteraW v%N!* krefjahannum.MeWviWvrunvristefntaWYvaWskuldararalmenntttukostaWgreiWa A&"+ skuldsnainnanstuttsfrestsmeWlgmarkskostnaWiergrundvallaWistkvrWunreglugerW  '", WurentilinnheimtuaWgerWagrundvellirttarfarslagayrWigripiW.Lnardrottinnmundi '#- vntanlegaYessustigiinnheimtusjlfursendaskuldaraviWvrun.HanngtiY;leitaW ( aWstoWarlgmannseWaannarsinnheimtuaWilaenbriYsjlfurbyrgWhugsanlegri  greiWslutilhansumframlgmarkskostnaW.    ViWsamningufrumvarpsins,semsnertirm.a.innheimtustarfsemilgmanna,viWskipta a bankaogsparisj;Wa,annarralnastofnanaogverWbrfafyrirtkja,svoogUmissastofnana, T, vareinkumstuWstviWnorskinnheimtulg.    Samkvmtfrumvarpinumunuinnheimtulgskiptastsexkafla.kvWiI.kaflafjallaum  gildissviWo.fl.Xarkemurm.a.framaWlgingildimeWvissumundantekningumuminn   heimtugjaldfallinnakrafnaumgreiWslupeningaogaWunntsmeWsamningiaWvkjafr  X sumumkvWumlaganna.0II.kaflaerfjallaWumskilyrWitilaWmegastundainnheimtu,m.a. K #  innheimtuleyfi.0III.kaflaeraWfinnakvWiumsambandinnheimtuaWila,m.a.krfuhafa,    ogskuldara,m.a.umg;WainnheimtuhttioginnheimtuviWvrun,enIV.kaflaerukvWi    umsambandinnheimtuaWilaogkrfuhafa,nnartiltekiWupplUsingaskylduinnheimtuaWila   ogmeWferWinnheimtufjr.0V.kaflaerukvWiumgreiWsluinnheimtukostnaWarogh wO  marksfjrhWhans,m.a.Y;knunar,semkveWamreglugerWrWherra.0VI.kaflaeruUmis B  kvWi,m.a.umstarfsbyrgWartryggingu,eftirlitmeWframkvmdlaganna,leyfisveitingu    ogleyfissviptingu,refsingarogalmennareglugerWarheimild.   @ AthugasemdirviWeinstakargreinarfrumvarpsins. nF @ Um1.gr. 9   0greininnierfjallaWumgildissviWlaganna.XaugildameWvissumundantekningumum  innheimtugjaldfallinnapeningakrafnafyriraWraeWavegnaeiginstarfsemi.    EigininnheimtaopinberraaWilaskttumoggjldumfellurekkiundirlgin.Xykireigi r YrfslkuYareWinnheimtaskattaoggjaldaerlgbundinogenginnkostnaWur,annaren e= lgbundinnvaxtakostnaWur,fellurgjaldendurnemaumsaWrWatlagWankostnaW.Inn 0 heimtaslkrakrafnaerYannigalmenntmunkostnaWarminnienalmennkrfuinnheimta.  VirWistYvrtturgreiWendaYeimfjlmrgumlum,semhrumrWir,verangilega  tryggWursamkvmtgildandilgumogverklagsreglum. i   InnheimtuaWgerWirgrundvellirttarfarslagafallaheldurekkiundirinnheimtusamkvmt \4 frumvarpiYessu.SemdmiumkostnaW,semvriutanrammafyrirhugaWralaga,vri ' kostnaWurviWtgfustefnu,fjrnmsbeiWniogannarkostnaWurfyrird;mst;lumogkostn  aWurviWbirtingugreiWsluskorunarmeWstoWlgumumaWfreWanauWungarslu.Ef  lgmaWursendirinnheimtubrf,nYessaWinnheimtuviWvrunhafiWurveriWsend,teldist `  YaWekkiinnheimtuaWgerWgrundvellirttarfarslagahelduryrWibrfiW,semvntanlegayrWi S+! kallaWinnheimtuviWvruneftirgildistkuinnheimtulaga,aWfullngjaskilyrWumsemgerW " erutilviWvrunarsamkvmtinnheimtulgum.Slktkallarlitlarbreytingarefniinn # heimtubrfa.EftirsemWurverWurheimiltaWfarabeintaWfreWanauWungaruppboWvegna  $ viWskiptabrfakrafnaeWaannarrakrafna,Yarsemheimildertilslkslgum,nYessaW !W% viWvrunsamkvmtlgumYessumsgefint.NefnamaWinnheimtalgmannaogallra J""& annarraaWila,svosembanka,sparisj;Wa,annarralnastofnanaogverWbrfafyrirtkja,svo #' og0bWalnasj;Ws,fellurundirkvWifrumvarpsinsnemainnheimtuaWgerWirsugrund #( vellirttarfarslaga. $ )   EkkierlengurkveWiWumYaW1.gr.aWinnheimtaumdeildrapeningakrafna,Yarsem v%N!* YrfhefurveriWsrfrWilegrirWgjf,falliundirfyrirhuguWlgenhrgeturt.d.veriWum A&"+  aWrWalgfrWilegaaWstoWvegnaumferWarslyss.HinsvegarerbttviWnUjummlsliW12.  '", gr.&   umhmarksfjrhWinnheimtukostnaWar.Xarsegir:?HeimilteraWinnheimtaviWb;tvegna ( umdeildrapeningakrafna'(sԀYarsemYrfhefurveriWsrfrWilegrirWgjf.     02.mgr.kemurframaWinnheimtuaWilarsueinstaklingaroglgaWilarsemannastinn  heimtu.HugtakiWinnheimtuaWilitekuryfirkrfuhafanemaannaWkomifram.Svosemfram a kemur1.mgr.geturinnheimtanveriWfyriraWraeWavegnaeiginstarfsemi.Innheimtalaun T, YegalaunakrfusinnifllisamkvmtYessuekkiundirlgin,t.d.kvWinumsendingu  innheimtuviWvrunar.  @ Um2.gr.  X   Samkvmt1.mlsl.YessarargreinarerheimiltmeWsamningimillikrfuhafaogskuldara, K #  semeratvinnurekstri,aWvkjafr7.gr.uminnheimtuviWvrun.      Efskuldarihefurhinnb;ginngengistundirskuldbindingarsemalmennurneytandien    ekkivegnaatvinnurekstrarsnsverWurekkivikiWfrkvWum7.gr.uminnheimtuviWvrun.   SkiptirYekkimliY;ttskuldbindingarYessaneytandaeigirturaWrekjatilkaupahans, wO  t.d.hverskynsvrueWaYj;nustu.XannigverWurskyldatilaWsendainnheimtuviWvrun B  ekkifelldniWureWafresturtilgreiWslueftirsendinguviWvrunarkveWinnstyttrientudagar,    einsogmlterfyrirum7.gr.     Samkvmt2.mlsl.greinarinnargetakrfuhafioginnheimtuaWilimeWsamningisn {  millivikiWfrkvWum9.gr.umupplUsingaskylduinnheimtuaWilaog1.mgr.10.gr.um nF greiWsluinnheimtufjr. 9   nnurkvWilagannaeru;frvkjanleg.  @ Um3.gr. r   0greininnierusettskilyrWitilaWmegastundainnheimtufyriraWra.EruYaralmennt e= gerWarkrfuruminnheimtuleyfiogfastastarfsstWhrlandiogaukYessYarfgildastarfs 0 byrgWartryggingu.    Samkvmt2.mgr.YessarargreinarYurfavissiraWilarY;ekkiinnheimtuleyfitilaWmega  stundainnheimtufyriraWra,meWWrumorWumlgmenn,viWskiptabankarogsparisj;Wir, i aWrarlnastofnanirogverWbrfafyrirtki,svoogopinberiraWilar,m.a.0bWalnasj;Wur.Xeir \4 semstundainnheimtuvegnaeiginstarfsemiYurfaalmenntekkiinnheimtuleyfiendatekur ' 3.gr.,semmlirfyriruminnheimtuleyfi,aWeinstilinnheimtufyriraWra.Skv.5.gr.mundi  aWiliY;YurfainnheimtuleyfiefhannkaupirkrfurYeimtilgangiaWinnheimtaYrsjlfur  atvinnuskyni. `    Samkvmtc-liW1.mgr.YessarargreinarngirekkiaWstarfsbyrgWartryggingskv.14. S+! gr.stekinheldurYarfinnheimtuaWilijafnframtaWsjtilYessaWhnstWgildi. " @ Um4.gr.  $   Hrer1.mgr.greintfrYeimskilyrWumsemeinstaklingurYarfaWfullngjatilaWgeta !W% WlastinnheimtuleyfienYauerum.a.lgrWi,;flekkaWmannorWoglgheimilihrlandi. J""& NokkrarbreytingarhafaveriWgerWarfrfyrrafrumvarpi.XannigerskilyrWiaWbviW #' komandieinstaklingshafiekkiveriWtekiWtilgjaldYrotaskipta(kemurstaWorWanna?undir #( gjaldYrotaskiptum ).XerbttviWYekkingarskilyrWi,svoogaWeinstaklingurinnsekki $ ) vanskilummeWvrsluskatta.XessarbreytingarbyggjastframangreinduYingmannafrum v%N!* varpi. A&"+   TekiWskalframaW5.gr.laganr.24/2000,umkosningartilAlYingis,segirsvoum  '", ;flekkaWmannorW: '#-   ?Enginntelsthafa;flekkaWmannorWsemersekureftird;miumverksemersvvirWilegt ( aWalmenningslitinemahannhafifengiWuppreistrusinnar.    D;murfyrirrefsivertbrothefurekkiflekkunmannorWsfrmeWsrnemasakborningur  hafiveriWfullra18raaWaldrierhannframdibrotiWogrefsingsfjgurramnaWafangelsi a ;skilorWsbundiWhiWminnstaeWaryggisgslasdmd.  T,   kvWinumhfisskilyrWieinstaklingssemskiruminnheimtuleyfi,Y.e.aWhannbiyfir  ngilegriYekkingueWastarfsreynslutilaWgetasinntstarfisnutilhlUWileganhtt,eigasr  fyrirmynd2.mgr.52.gr.laganr.161/2002,umfjrmlafyrirtki,enkvWiYartakatil   stj;rnarmannaogframkvmdastj;rafjrmlafyrirtkja.XykireWlilegtaWsamskonarskilyrWi  X ogtilfjrmlafyrirtkjasgertvarWandiinnheimtustarfsemi,Y.e.vegnaeinstaklingaeWa K #  lgaWilaerfleyfi.TeljamaWngilegYekkingsm.a.f;lginlgfrWieWaviWskipta    frWipr;fi.FilgaWilarinnheimtuleyfitekurhfisskilyrWitilframkvmdastj;raeWayfir    mannsviWkomandistarfsemi.     LgaWilarsemslkirgetaskv.2.mgr.fengiWinnheimtuleyfiendafullngiframkvmda wO  stj;rieWayfirmaWurviWkomandistarfsemiskilyrWum1.mgr.umlgrWio.fl. B  @ Um5.gr.     0greininnifelstundantekningfrYvaWeigiYurfiinnheimtuleyfiefinnheimtaerstunduW {  vegnaeiginstarfsemi.XykirrttaWgerakrfutilinnheimtuleyfisefaWilikaupirkrfurYeim nF tilgangiaWinnheimtaYrsjlfuratvinnuskyni.Xettagildirekkiumlgmenn,opinbera 9 aWila,viWskiptabankaogsparisj;Wi,aWrarlnastofnanirogverWbrfafyrirtkisemmega  stundainnheimtuninnheimtuleyfisskv.2.mgr.3.gr.  @ Um6.gr. e=   0greininnierkveWiWumg;Wainnheimtuhtti. 0   HrerumvsiregluaWrWasvipaWogsjmttit.d.20.gr.samkeppnislaga,nr.8/1993,  umg;WaviWskiptahttiatvinnustarfsemi(n5.gr.laganr.57/2005,umeftirlitmeW;rtt  mtumviWskiptahttumoggagnsimarkaWarins).Krafanumg;Wainnheimtuhttigildir i bWiumsamskiptiinnheimtuaWilaviWskuldaraogkrfuhafaY;ttkaflaheitiWgangiskemmra. \4 0framkvmdskiptirreglanY;vntanlegamestumliumsamskiptiinnheimtuaWilaog ' skuldara.VerndkvWisinsgeturYnWtilfjlskylduskuldara,atvinnurekandahansog  kunningjahans.GtaverWurg;WrainnheimtuhttaviWsrhverjarWstfuneWaathfnsem  erYtturinnheimtunni. `    0norskulgunumogdnskulagafrumvarpisnumtmaerbeinlnistekiWframaWYaW S+! brj;tibgaviWg;WainnheimtuhttiaWbeita;hfilegumYrUstingi,tj;nieWa;Ygindum. " ErumaWrWannaritfrslumeginreglunniumg;Wainnheimtuhtti.kveWiWvaraW # kveWaberumorWumumYettafrumvarpinu(2.mgr.).  $   UmsambandinnheimtuaWilaogkrfuhafagildirsmeginreglaaWinnheimtuaWilaberaW !W% fylgjafyrirmlumkrfuhafans.innheimtuaWilanumhvlirsamtsemWurssjlfstWa J""& skyldaaWhlUWnastekkifyrirmlumkrfuhafaefYaufelasreitthvaWsemstrWirgegn #' g;WuminnheimtuhttumsamkvmtlgunumeWareglugerWgrundvelliYeirra. #(   InnheimtuaWilittiekkiaWtakaaWsrinnheimtukrfuefhannhefurfjrhagslegrahags $ ) munaaWgtasemgtufariWbgaviWhagsmunikrfuhafans. v%N!*   SafturvikiWaWskiptuminnheimtuaWilaogskuldaragildirsreglaaWinnheimtuaWili A&"+ ekkiaWgefaskuldararangareWavillandiupplUsingarumstaWreyndireWarttarreglursemeru  '", mikilvgarfyrirafstWuhanstilkrfunnar. '#-   XaWgeturbrotiWgegng;WumviWskiptahttumefbeitterh;tunumumaWveitaWrum ( upplUsingarumstWuskuldara,svosemmaka,atvinnurekandaeWakunningjum.Wruvsi  stendurYegarumeraWrWaaWrasemtengdirerumlinueinneWaannanhtt,t.d.  samskuldaraeWabyrgWarmann. a   XaWgeturbrotiWgegng;WuminnheimtuhttumaWh;taaWbirtaopinberlegaupplUsingar T, umgreiWsluhfiskuldarafrekarimlienheimilteraWlgum.    EndanlegtrlausnarvaldumYaWhvaWteljistg;Wirinnheimtuhttirerhndumd;mst;la.  @ Um7.gr.  X   0greininnierfjallaWuminnheimtuviWvrun. K #    Samkvmt1.mgr.,sbr.3.mgr.,skalsendaeinaviWvrunoggefaskuldarafriaW    greiWakrfuinnankveWinsfrests.HugtakiWskuldarierhrnotaWvWrimerkinguYannig    aWsendaYarfviWvruninallumYeimsemkrfuhafieWainnheimtuaWilihyggstbeina   innheimtuaWgerWumaW,t.d.byrgWarmnnum.0greinYessarierkveWiWumminnsttudaga wO  frestenkrfuhafieWaannarinnheimtuaWiligeturhaftfrestinnlengri.X;ttskyltsaWsenda B  einaviWvrunerheimiltaWsendafleiriviWvaranirendasekkimeWYvbrotiWbgaviW    g;Wainnheimtuhtti.ViWb;tarviWvaranirgetaveriWkostnaWarsamarifyrirskuldaraYareW   lgmarkskostnaWurgrundvelliinnheimtulagamiWastviWgreiWsluinnanfrestssamkvmt {  skylduviWvrun.SskylduviWvrunvirtaWvettugioglgmannisWant.d.falininnheimta nF mundiinnheimtubrfhans,hverjunafnisemnefnist,Yvtilvikiekkifallaundirhugsanleg 9 reglugerWarkvWiumlgmarkskostnaWvegnaskylduviWvrunar.    FresturinntelstfrsendinguviWvrunar.0YessufelstaWskuldariberhallannafseinkun  p;stiogYvaWviWvruninkomiekkiframendahafihnveriWsendngilegatrygganhtt r ogheimilisfangYarsemgildstWaertilaWtlaaWunntsaWntilskuldara.Sending e= almennump;stitelstveratryggursendingarhtturogYverekkigerWkrafatilYessaWviW 0 vrunssendbyrgWarbrfi.EfkrfuhafieWainnheimtuaWilihefurekkistWutilaWtla  aWhafamegiuppskuldaraWruheimilisfangiverWuralmenntaWteljastngilegtaWsenda  viWvruninaYaWheimilisfangsemskuldarinngafkrfuhafanumupp.Efekkertheimilisfang i vargefiWupptelstalmenntfullngjandiaWsendahanalgheimilisamkvmtYj;Wskr. \4   EkkierskyltaWsendainnheimtuviWvrunvegnaviWskiptabrfakrafnaeWaannarrakrafna ' YarsemfariWerbeintaWfreWanauWungaruppboWgrundvelliheimildarlgum,sbr.1.  mgr.1.gr.YarsemsegiraWinnheimtuaWgerWirgrundvellirttarfarslagafalliekkiundir  gildissviWlaganna.EfekkierhinsvegarfariWbeintYessaraWgerWirmeWsendingugreiWslu `  skorunarheldursentinnheimtubrfgildaalmennarreglurlagannaumviWvrun,sbr.nnar S+! YaWsemsegirathugasemdumviW1.gr. "   02.mgr.ertekiWframhvaWskulistandainnheimtuviWvrun.ErYaWsvipaWogveriW # hefurinnheimtubrfum.  $   03.mgr.,semernUmli,ergertrWfyriraWYeiraWilar,aWallegasmiraWilarsemstunda !W% innheimtuvegnaeiginstarfsemiogYurfaekkiinnheimtuleyfiskv.2.mgr.3.gr.,Y.e.aWrir J""& enlgmenn,opinberiraWilar,viWskiptabankarogsparisj;Wir,aWrarlnastofnanirogverW #' brfafyrirtki,getialmennteinfaldaWmeWferWmlameWYvaWsameinagreiWsluseWilog #( innheimtuviWvrunmeWkveWnumskilyrWum.EkkimYinnheimtainnheimtuY;knunskv. $ ) cliW2.mgr.efgreittersWastalagitudgumeftirgjalddaga.MeWYessuerdregiWrfjlda v%N!*  brfaviWinnheimtuafhlfuaWallegasmrraaWila. A&"+   & a  04.mgr.segiraWkrafateljistgreiddefgreiWslahefurboristWurensetturfresturerliWinn ( eWassettbyrgWarp;stsWastadegifrests(endasslktsannaW).NgilegteraWgreiWslan  beristt.d.bankaeWasparisj;Wi.'a(    05.og6.mgr.erveittheimildtilaWvkjafrkvWumgreinarinnarumsendinguinn a heimtuviWvrunarsrstkumtilvikum. T,   Samkvmt5.mgr.mvkjafrkvWunumefhttaeraWmguleikumfullnustu  krfuverWispillt.NefnamhttuaWkrafanfyrnistefmlerekkihfWaW.Undirllum  kringumstWumverWureinungisvikiWfrkvWunumaWYvmarkisemnauWsynlegtertil   aWkomavegfyrirhttuaWfullnustumguleikumverWispillt.EfunnteraWfylgja  X kvWunumnYessaWhttanaukisterinnheimtuaWilaYaWskylt. K #    06.mgr.ertekiWYvefskuldarihreyfirsannanlegam;tbrumgegnpeningakrfu.X    erinnheimtuaWilaheimiltaWhverfafrvenjuleguminnheimtuaWferWum,semellaerskyltaW    gta,ogberagreiningumrttmtikrfunnarundird;mst;la.0slkumtilvikumerYaW   meginreglanaWinnheimtuaWiliYarfekkiaWtakaafstWutilYesshvortm;tbransstudd wO  efnislegumrkumeWaaWeinstilraunskuldaratilaWdragaaWgreiWakrfuna. B    TilfrekariskUringarervsaWtilathugasemdaviW1.gr.umaWviWvrungetikomiWstaW    innheimtubrfa,svoogtengslviWvrunarviWinnheimtuaWgerWirgrundvellirttarfarslaga,   enalmenntmtlaaWviWvruninyrWiundanfarislkraaWgerWa.Kj;siaWiliaWsenda {  skuldaratrekunyrWiYaWaWteljastheimiltendasekkiundantekningartilvikumbrotiWmeW nF YvbgaviWreglunaumg;Wainnheimtuhtti. 9 @ Um8.gr.    0greininnierfjallaWumumboWinnheimtuaWilaogfelurhnm.a.sraWuppgjrviW r innheimtuaWilaerbWihvaWvarWarstaWogtmajafngiltgreiWslutilkrfuhafasjlfs. e= SkuldariaWgetagertrWfyriraWinnheimtuaWilihafiumboWtilaWtakaviWgreiWsluog 0 semjaumhana,jafnveltilaWgefaallakrfunaeftireWahlutahennareWaveitagreiWslufrest,  svoaWbindandisfyrirkrfuhafa.GangiinnheimtuaWilioflangtkannhannaWbakasr  b;taskyldugagnvartkrfuhafa.GengiWertfrYv,Y;ttYaWsekkitekiWframberum i orWum,aWinnheimtuaWilihafifengiWumboWfrkrfuhafatilinnheimtu. \4   SamningarumgreiWsluskuluveraskriflegir.FellterniWurrfyrrafrumvarpiaWskuldari ' YurfiaW;skaeftirYvaWsamningurumgreiWslusskriflegur.  @ Um9.gr. `    GreininfjallarumupplUsingaskylduinnheimtuaWilagagnvartkrfuhafaendafaris S+! sWarnefndiframupplUsingaruminnheimtuna.XaWerundirmatiinnheimtuaWilakomiW " hvaWaupplUsingarhannveitirkrfuhafaoghvenr.SrstkstWageturveriWtilaWvekja # athyglikrfuhafam;tbrumsemskuldarihefurhaftuppiY;ttekkisgertrWfyriraf  $ drttarlausriregluumYaWefni.Ljkiinnheimtusamkvmtinnheimtulgumneftirfarandi !W% innheimtuaWgerWagrundvellirttarfarslagaskalinnheimtuaWiliY;aWbeiWnikrfuhafa J""& afhendahonumskriflegtuppgjrogerkveWiWumYaWhvaWYarskuligreina.0Yessufelst #' t.d.aWlgmaWur,erlokiWhefWiinnheimtugrundvelliinnheimtulagaenhfWaWisWanml #( tilinnheimtukrfunnar,YyrftiekkiaWafhendakrfuhafaslktskriflegtuppgjrsemkveWiW $ ) erumgreininni. v%N!*   GreinYessiumupplUsingaskyldunaerfrvkjanleg,sbr.2.gr. A&"+    '", @tt& a  Um10.gr. (   01.mgr.erkveWiWumskilinnheimtuaWilainnheimtuf.Skv.2.gr.erYessimlsgrein  frvkjanleg.'a('    02.mgr.,semerekkifrvkjanleg,erkveWiWumskylduinnheimtuaWila,semstunda a innheimtufyriraWra,tilaWhaldainnheimtufaWskildufreiginf.TilaWfullngjaYeirri T, krfuYarfaWleggjafWvrslufjrreikningaYannigaWYaWverWiekkidregiWundir  gjaldYrotaskiptiinnheimtuaWilanseftilYeirrakemur.OpinberiraWilar,viWskiptabankarog  sparisj;Wir,aWrarlnastofnanirogverWbrfafyrirtkisemmegastundainnheimtuninn   heimtuleyfisskv.2.mgr.3.gr.,eruY;undanYegnirYessariskylduogsrkvWiumvrslu  X fjrreikningalgmannahaldast. K #    NefnamYessusambandiaWreglugerWnr.1192/2005,umfjrvrslureikningalg    mannao.fl.,semsettvargrundvellilaganr.77/1998,umlgmenn,segiraWreglugerWintaki    tillgmannasemvarWveitafjrmunifyrirhndumbj;Wendasinna.04.gr.segiraWfjrhW,   semsamsvararstWufjrvrslureikningsb;khaldilgmanns,skulivarWveittsrstkum wO  bankareikningi/-reikningumviWskiptabankaeWasparisj;Wi,fjrvrslureikningi.Fjrvrslu B  reikningskalstofnanafnilgmannsoghefurhannformlegarWstfunarheimildyfirreikn    ingnum.LgmaWurerekkieigandiinnstWureikningisamkvmtgreininniogerinnstWan   ekkihftandlagaWfarargerWahjhonumeWagrundvllurtryggingafyrirviWskiptumhans {  eWaannarra.ReikningurYessiskalaWgreindurfreiginflgmannsogstendurinnstWa nF honumutanskuldaraWarviWskiptibilgmanns. 9   GengiWertfrYvaWalmennrireglugerWarheimildrWherrafelistheimildtilaWsetja  reglurumfjrvrslureikninga.  @ttUm11.gr. e=   0greininnierfjallaWumbyrgWskuldaragreiWslukostnaWarvegnainnheimtusamkvmt 0 hinumfyrirhuguWuinnheimtulgum.ReglurnarfjallaannarsvegarumYautilvik,erskuldari  hefurgreittinnangreiWslufrestsviWvrungrundvelli7.gr.,eWahinsvegarerinnheimtu  aWilar,m.a.krfuhafar,hafabrotiWYanniggegnkvWum7.gr.aWviWvruninYj;niekki i tilgangisnum.0YessumsrstkutilvikumverWurskuldariekkikrafinnumhrrikostnaWen \4 kveWiWerumreglugerWviWskiptarWherraskv.12.gr.,ogjafnvelenganef3.mgr.7.gr. ' erbeitt,Y.e.efheimildtilsetningarslkrarreglugerWarhefurveriWnUttogkvWiYaraW  ltandigildi.  @ttUm12.gr. S+!   0greininnierfjallaWumheimildviWskiptarWherratilsetningarreglugerWarYarsemkveWa " mumhmarksfjrhWinnheimtukostnaWar,m.a.Y;knunar.02.mlsl.erYaWskilyrWisett # aWhmarksfjrhWinnheimtukostnaWarskulitakamiWafllumYeimkostnaWisemkrfuhafi  $ verWurfyrirvegnainnheimtunnarognauWsynlegurgeturtalist.XverbttviWYessu !W% frumvarpiaWkostnaWurinngetieinnigtalisth;flegur. J""&   MeWYvaWsetjakvWiumhmarkY;knunarmstuWlaaWYvaWkrfurhendurskuld #' ara,YarsemskuldarihefurekkertvaluminnheimtuaWila,verWiekkistraxsendar;eWlilega #( dUrainnheimtukostnaWhans.Kj;sikrfuhafiaWgreiWaumframY;knungeturhannYaW. $ ) hinnb;ginnerekkistefntaWYvaWskuldarikomisthjYvaWgreiWatlagWankostnaWog v%N!* jafnveltlaWankostnaW.MeWkostnaWiermeWWrumorWumttviWbeinanog;beinan A&"+  kostnaWsemleiWirafinnheimtusamkvmtinnheimtulgum.ReglugerWinnWiekkifremur  '", enlgintilaWgerWa&   grundvellirttarfarslaga,t.d.Y;knunarlgmannavegnaaWfarareWa ( nauWungaruppboWseWa'([ԀopinberragjaldaYvsambandi.    & a KveWiWerumaWviWskiptarWherrasetjiekkireglugerWumhmarksfjrhWinnheimtu  kostnaWarnemaaWhfWusamrWiviWhelstuhagsmunaaWila.Xarundirgtut.d.falliW a Lgmannaflag0slands,SamtkfjrmlafyrirtkjaogViWskiptarW0slands.'aM T,   BtterviWgreininanUjummlsliW.XarsegiraWheimiltsaWinnheimtaviWb;tvegna  umdeildrapeningakrafnaYarsemYrfhefurveriWsrfrWilegrirWgjf,sbr.athugasemd  viW1.gr.   @ttUm13.gr. 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