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"   KomatillandsinsogfrrlandiskalfaraframstWumogafgreiWslutmumsemd;ms r# mlarWherrakveWur.kvWitollalagagildaumfryfirinnrilandamriSchengensvW e =$ isins. 0!%   D;msmlarWherraseturnnarireglurumfryfirlandamri,YarmeWalskilyrWifyrir !& komutillandsins,tilhguneftirlits,skrninguupplUsingaogjafnframtumundantekningar "' frkvWum1.og2.mgr.umfryfirinnrilandamriSchengensvWisins.Hannsetur #i( einnigreglurumskyldustj;rnandaskipseWaloftfarstilaWgangarskuggaumaWfarYegar \$4 ) hafigildferWaskilrki. '% *   %!+ @==!& ,  4.gr. (   eftir4.mgr.6.gr.lagannakomaYrjrnUjarmlsgreinarsemorWastsvo:    HeimilteraWveitatlendingivegabrfsritunsemgildirlluSchengen-svWinuefeftir  farandigrundvallarskilyrWumerfullngt:',( a ! ! 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'   0staW2.mgr.8.gr.lagannakomaYrjrnUjarmlsgreinarsemorWastsvo:  ! ! (g00  EftirtldumtlendingumerheimiltaWdveljasthrlandindvalarleyfis:  "i(m"  i(m'2g  a  .3  Ԉ0    dnskum,finnskum,norskumogsnskumrkisborgurum,i(m''݌`  Ќ  "i(m"  i(m(2g  b  .3  Ԉ0    tlendingisemWlaWistslenskanrkisborgararttviWfWinguenhefurmissthanneWa S+! afsalaWsrhonum,i(m((݌" Ќ  "i(m"  i(m,*2g  c  .3  Ԉ0    tlendingisemslenskanrkisborgaraaWforeldriefhannhefurhaftfastabsetuog # dvalarleyfihrlandisamfellttvr,endahafiforeldriWhaftslenskanrkisborgarartt  $ ekkiskemurenfimmr,i(m,*Y*݌!W% Ќ  "i(m"  i(m,2g  d  .3  Ԉ0    tlendingisemerlgrWaogslenskanrkisborgaraaWforeldriefhannhefurhaftfasta J""& bsetuogdvalarleyfihrlandisamfleyttfimmr,i(m,0,݌#' Ќ  "i(m"  i(m-2g  e  .3  Ԉ0    tlendingisemerhjskapeWastaWfestrisamvistmeWslenskumrkisborgaraoghefur #( biWmeWhonumhrlandioghaftdvalarleyfisamfelltYrjreftirstofnunhjskapar $ )  eWastaWfestingusamvistar,i(m--݌v%N!* Ќ  "i(m"  i(m|/2g  f  .3  Ԉ0    & ,  tlendingi,sembUrskrWrisambWmeWslenskumrkisborgaraoghafthefurfasta ( bsetuogdvalarleyfihrlandisamfelltfimmrfrskrningusambWarinnar,enda  subWi;giftoghinnslenskirkisborgarihafihaftrkisborgararttekkiskemuren  fimmr.',(0i(m|//݌a Ќ    D;msmlarWherragetursettreglurumfrekariundanYgurfrkrfuumdvalarleyfi. T,   BtlendingastofnunerheimiltaWgefatskrteinitilstaWfestingarYvaWtlendingurYurfi  ekkidvalarleyfihrlandi.  @==!6.gr.  X   10.gr.lagannaorWastsvosamtfyrirsgn: K #  @ Ums;knumdvalarleyfi.      BtlendingursemskirumdvalarleyfifyrstaskiptiskalskjaumleyfiWWurenhann    kemurtillandsinsogerhonum;heimiltaWkomatillandsinsfyrrenums;kninhefurveriW   samYykkt.FrYessumvkjaefrkarsanngirnisstWurmlameWYveWasamkvmt wO  reglumsemd;msmlarWherrasetur. B    BtlendingastofnuntekurkvrWunumdvalarleyfi.Skjaskalumdvalarleyfisrstku    eyWublaWi.Ums;kninniskalfylgjalj;smyndafumskjandaogskalhannundirritaeigin   hendiums;kninaYarsemm.a.komiframaWhannsamYykkiaWgangastundirlknisskoWun {  innantveggjaviknafrkomutillandsinssamrmiviWgildandilgogfyrirmliheil nF brigWisyfirvalda.Ums;knumdvalarleyfiskulueinnigfylgjallYauggnogvottorWsem 9 BtlendingastofnungerirkrfuumtilstaWfestingaraWumskjandiuppfylliskilyrWisemlg  ogreglugerWirkveWaum,svosemsakavottorW,heilbrigWisvottorWogstaWfestingfram  frsluogsjkratryggingu.D;msmlarWherraerheimiltaWsetjareglugerWnnarifyrirmli r umhvaWaggnogvottorWumskjandiskulileggjafram. e= @==!7.gr.    eftir10.gr.lagannakemurnUgrein,10.gr.a,erorWastsvosamtfyrirsgn:  @&&BP,++++cb    Btgfadvalarleyfis.BP,s:kom++++cb    ݈ i   DvalarleyfiverWurekkigefiWtfyrrenums;knumdvalarleyfihefurveriWsamYykkt,t \4 lendingurerkominntillandsins,hefurgengistundirlknisskoWunsamkvmtvottorWi ' heilbrigWisstofnunaroggengiWfrskrninguheimilisfangshrlandi.Btlendingastofnun  gefurtskrteinitilstaWfestingarveitingudvalarleyfis.SkrteiniergefiWtnafntlend  ingsinssemerhandhafidvalarleyfisins.TekinskalstafrnmyndafumskjandaogprentuW `  skrteiniW.D;msmlarWherraerheimiltaWkveWaaWdvalarleyfisskrteiniskuliinnihalda S+! rflgumeWYeimupplUsingumsemskrWarerukortiWaukfingrafarahandhafa.0skr " teininuskalm.a.komaframnafntlendings,rkisfanghans,nafnatvinnurekandaYegarYaW # viWoggildistmidvalarleyfisins.  $ @==!8.gr. J""&   11.gr.lagannaorWastsvosamtfyrirsgn: #' @% % BP,++++cb    GrunnskilyrWidvalarleyfis. #( BP,d@kom++++cb      HeimilteraWveitatlendingidvalarleyfisamrmiviWkvWi12.gr.!12.gr.eeWa13. $ ) gr.samkvmtums;knuppfyllihanneftirtalingrunnskilyrWi: v%N!*  (g00"i(m"  i(mC2g  a  .3  Ԉ0    framfrslahans,sjkratryggingoghsnWistryggt,samkvmtnnarireglumsem A&"+  d;msmlarWherrasetur,i(mCCC݌ '", Ќ  "i(m"  i(mD2g  b  .3  Ԉ0    &   hannuppfylliskilyrWifyrirdvalarleyfisemframkomalgumYessumogreglumskv. ( 1.mgr.3.gr.,i(mDD݌ Ќ  "i(m"  i(mE2g  c  .3  Ԉ0    hannsamYykkiaWgangastundirlknisskoWuninnantveggjaviknafrkomutillandsins  samrmiviWgildandilgogfyrirmliheilbrigWisyfirvalda,i(mEF݌a Ќ  "i(m"  i(mG2g  d  .3  Ԉ0    ekkiliggifyriratviksemvaldiWgetaYvaWhonumverWimeinuWlandgangahrlandi T, eWadvlsamkvmtWrumkvWumlaganna.i(mGG݌ Ќ   (g00  F'(Eramfrslatlendingsskv.a-liW1.mgr.telsttryggefhannfrlaunatekjureWagreiWslur  afsjlfstWriatvinnustarfsemisemngjatilframfrsluhans,hannfrtryggarreglulegar   greiWslursemngjatilframfrsluhans,hefurngilegteigiWftilframfrslumeWandvl  X innistendureWafrnmslneWanmsstyrksemngirtilframfrsluhans.EigiWf,nmsln K #  eWanmsstyrkurviWkomandiYarfaWveragjaldmiWlisemskrWurerhjSeWlabanka0slands.    FramfrslageturstuWstviWfleirieneinnliWogtelstYtryggeftlendingurinnsUnirfram    aWsamanlgWfjrrWhansngitilframfrslunnar.AtvinnuleysisbtureWagreiWslur   formiflagslegraraWstoWarrkiseWasveitarflags,teljastekkitiltryggrarframfrslusam wO  kvmtYessukvWi.HiWsamagildirumgreiWslurralmannatryggingumsemtlending B  urinnWlastrtttilgrundvellibsetuhrlandi.      XegarsrstaklegastendurerheimiltaWveitadvalarleyfitiltlendingssemtillandsins   kemurlgmtumogsrstkumtilgangiaWfullngWumskilyrWum1.og2.mgr.,Yrttfyrir {  aWhannuppfylliekkiskilyrWifyrirdvalarleyfiskv.12.gr.!12.gr.eeWa13.gr.Slktdvalar nF leyfiskaleigiveitttillengritmaeneinsrssennoggeturekkiveriWgrundvllurbsetu 9 leyfis.  @==!9.gr. r   0staWorWanna?2.mgr.11.gr. 2.mgr.12.gr.laganna,semverWur51.gr.a,kemur:12. e= gr.f. 0 @!10.gr.    undan13.gr.lagannakomattanUjargreinarerorWastsvosamtfyrirsgnum: i 0  a.(12.gr.)' @H H DvalarleyfivegnastarfssemkrefstsrfrWiYekkingar.    HeimilteraWveitatlendingidvalarleyfivegnastarfshrlandisemkrefstsrfrWiYekk  ingar.SkilyrWifyrirveitingudvalarleyfissamkvmtkvWiYessuerum.a.eftirfarandi: `  "i(m"  i(mS2g  a  .3  Ԉ0    tlendingurfullngirskilyrWum1.og2.mgr.11.gr.,i(mSS݌S+! Ќ  "i(m"  i(mT2g  b  .3  Ԉ0    atvinnuleyfivegnastarfssemkrefstsrfrWiYekkingarhefurveriWveittsamrmiviW " lgumatvinnurttinditlendinga.i(mTT݌# Ќ    DvalarleyfisamkvmtkvWiYessuskalfyrstaskiptieigiveitttillengritmaeneins  $ rsenY;aldreitillengritmaensemnemurgildistmaatvinnuleyfis.HeimilteraWendurnUja !W% dvalarleyfiWalltaWtvrsennendasuuppfylltskilyrWi1.mgr. J""&   LeyfisamkvmtkvWiYessugeturveriWgrundvllurbsetuleyfis. #' 0  b.(12.gr.a.)$ ) @ BP,++++cb    Dvalarleyfivegnaskortsvinnuafli. v%N!* BP,/XW++++cb      HeimilteraWveitatlendingidvalarleyfivegnaatvinnuYtttkuvinnumarkaWihr A&"+ landisamrmiviW9.eWa15.gr.lagaumatvinnurttinditlendinga.SkilyrWifyrirveitingu  '", dvalarleyfissamkvmtkvWiYessuerum.a.eftirfarandi: '#-  (g00"i(m"  i(mV[2g  a  .3  Ԉ0    tlendingurfullngirskilyrWum1.og2.mgr.11.gr.,i(mV[[݌( Ќ  "i(m"  i(mk\2g  b  .3  Ԉ0    &  atvinnuleyfigrundvelli9.eWa15.gr.lagaumatvinnurttinditlendingahefurveriW  veitt.']i(mk\\݌ Ќ    & a DvalarleyfisamkvmtkvWiYessuskalfyrstaskiptieigiveitttillengritmaeneins a rsenY;aldreitillengritmaensemnemurgildistmaatvinnuleyfis.HeimilteraWendurnUja T, dvalarleyfiWalltaWeittrtilviWb;tar.'a]    HeimilteraWendurnUjaleyfitillengritmaenskv.2.mgr.YegarumeraWrWaskUrt  afmarkaWaogtmabundnaverkframkvmdsemtekurlengritmaenYargreinir.ErYheimilt   aWveitadvalarleyfitilYesstmaYartilverkframkvmdlUkureWatilYesstmasemat  X vinnuleyfiWgildir. K #    :heimilteraWveitatlendingisemhafthefurdvalarleyfisamkvmtkvWiYessuleyfi    samkvmtkvWinuaWnUjufyrrenaWlokinnitveggjarasamfelldridvlerlendisfrlokum    gildistmaleyfisins.kvWiYettaY;ekkiviWYegartlendingurstarfarhrlandiskemur   ensexmnuWihverjumt;lfmnuWum. wO    LeyfisamkvmtkvWiYessugeturekkiveriWgrundvllurbsetuleyfis. B  0  c.(12.gr.b.)BP,++++cb      @ DvalarleyfiYr;ttaf;lks.BP,McW++++cb    ݈ {    HeimilteraWveitatlendingidvalarleyfivegnastarfahanssemYr;ttamaWureWaYjlfari nF hjYr;ttaflagiinnan0Yr;tta-og:lympusambands0slands.SkilyrWifyrirveitingudvalar 9 leyfissamkvmtkvWiYessuerum.a.eftirfarandi:  ! ! (g00"i(m"  i(mf2g  a  .3  Ԉ0    tlendingurfullngirskilyrWum1.og2.mgr.11.gr.,i(mfg݌ Ќ  "i(m"  i(mg2g  b  .3  Ԉ0    atvinnuleyfifyrirYr;ttaf;lkhefurveriWveittsamrmiviWlgumatvinnurttindi r tlendinga.i(mgh݌e= Ќ    DvalarleyfisamkvmtkvWiYessuskalfyrstaskiptieigiveitttillengritmaeneins 0 rsenY;aldreitillengritmaensemnemurgildistmaatvinnuleyfis.HeimilteraWendurnUja  YaWumalltaWtvrsennendasuuppfylltskilyrWi1.mgr.    LeyfisamkvmtkvWiYessugeturekkiveriWgrundvllurbsetuleyfis. i 0  d.(12.gr.c.)' @BP,++++cb    Samningar0slandsviWnnurrkiumdvlrkisborgaraYeirrahrlandi.  BP,kkW++++cb      HeimilteraWveitarkisborgurumtiltekinnarkjaaldrinum18til26radvalarleyfihr  landiaWhmarkitileinsrsgrundvellisamningssemslenskstj;rnvldhafagertviW `  annaWrkiumdvlrkisborgaraYesshrlandiYeimtilgangiaWkynnasrlandiWogmenn S+! inguYess.SkilyrWifyrirveitingudvalarleyfissamkvmtkvWiYessuerm.a.aWskilyrWi1. " og2.mgr.11.gr.suuppfylltogaWtlendingnumhafiekkiWurveriWveittdvalarleyfi # grundvellislkssamningshrlandi.  $   LeyfisamkvmtkvWiYessugeturekkiveriWgrundvllurbsetuleyfis. !W% 0  e.(12.gr.d.)#' @V V BP,++++cb    DvalarleyfivegnavistrWningar. #( BP,\pW++++cb      HeimilteraWveitatlendingidvalarleyfivegnavistrWningarheimilifjlskylduhr $ ) landi.SkilyrWifyrirveitingudvalarleyfissamkvmtkvWiYessuerum.a.eftirfarandi: v%N!* ! ! (g00"i(m"  i(mIs2g  a  .3  Ԉ0    tlendingurfullngirskilyrWum1.og2.mgr.11.gr.,i(mIsvs݌A&"+   "i(m"  i(mht2g  b  .3  Ԉ0    tlendingurerekkiyngrien18raeWaeldrien25ra,i(mhtt݌ '", Ќ  "i(m"  i(mu2g  c  .3  Ԉ0    &   undirritaWursamningurumvistrWningumilliaWilaliggurfyrirYarsemframkemurm.a. ( gildistmisamnings,hlunnindiaWYvervarWarfWioghsnWi,daglegurvinnutmi,  daglegurogvikulegurhvldartmi,rtturtilaWstundanmogkvWiumsjkra-og  slysatryggingar,i(muu݌a Ќ  "i(m"  i(mw2g  d  .3  Ԉ0    fWioghsnWitlendingsernendurgjalds,i(mw x݌T, Ќ  "i(m"  i(mx2g  e  .3  Ԉ0    hinnvistrWnihefursrherbergitilafnota,i(mxy݌ Ќ  "i(m"  i(my2g  f  .3  Ԉ0    vistfjlskyldabyrgistgreiWsluheimflutningitlendingsaWstarfstmaloknum,efum  eraWrWarWningarsliteWaeftlendingurverWur;vinnufrumlengritmavegna   veikindaeWaslysa,ogi(my&z݌ X Ќ  "i(m"  i(m{2g  g  .3  Ԉ0    vistfjlskyldatryggiraWhinnvistrWnifingjanlegantmatilslenskunmsogtilaW K #  getasinnteiginhugamlum.i(m{|݌   Ќ    D' (vvalarleyfisamkvmtkvWiYessuskaleigiveitttillengritmaeneinsrsenY;aldrei    tillengritmaensemnemurrWningartmanumsamkvmtsamningiumvistrWningu.   :heimilteraWendurnUjaleyfisamkvmtkvWiYessu.Jafnframter;heimiltaWveitat wO  lendingnumdvalarleyfisamkvmtkvWi12.gr.!12.gr.cfyrrenaWlokinnitveggjara B  samfelldridvlerlendisfrlokumgildistmaleyfisins.      VerWislitvistrWninguWurenvistrWningartmasamkvmtsamningiaWilaerlokiW   skulubWihinnvistrWniogvistfjlskyldantilkynnaYaWtilYessaWilasemhafWimilligngu {  umrWningunaogtilBtlendingastofnunar.HinumvistrWnaerheimiltaWflytjasttilnUrrar nF vistfjlskyldu.SamanlagWurdvalartmihjvistfjlskyldumskalekkiveralengrieneittr. 9   BtlendingisemdvelurhrlandisamkvmtkvWiYessuerekkiheimiltaWvinnaal  mennstrfutanheimilisinsdvalartma.    LeyfisamkvmtkvWiYessugeturekkiveriWgrundvllurbsetuleyfis. r   BtlendingastofnunskalgefatnauWsynlegeyWublWvegnasamningaumvistrWningu. e= EinnigkveWurstofnuninlgmarksfjrhWvasapeningafyrirhinnvistrWna.Btlendinga 0 stofnunerheimiltaWfelastofnuneWafyrirtkiallamillignguogeftirlitmeWvistrWningum.  D;msmlarWherraseturnnarireglurumdvlsamkvmtkvWiYessu,YarmeWalum  skilyrWisemtlendingurogviWkomandifjlskyldaYurfaaWuppfyllavegnadvalarinnarog i umkjrvistrWinna. \4   f.(12.gr.e.)  @ BP,++++cb    Dvalarleyfivegnanms.  BP,iog++++cb      HeimilteraWveitatlendingisemtlaraWstundafulltnmhrlandidvalarleyfienda `  fullngihannYeimkrfumsemgerWareruviWkomandinmiumundirbning,YarmeWal S+! tungumlakunnttu.SkilyrWifyrirveitingudvalarleyfissamkvmtkvWiYessuerum.a. " eftirfarandi: # ! ! (g00"i(m"  i(m 2g  a  .3  Ԉ0    tlendingurfullngirskilyrWum1.og2.mgr.11.gr.,ogi(m M݌ $ Ќ  "i(m"  i(m82g  b  .3  Ԉ0    stundarfulltnmhrlandisamkvmtvottorWifrhlutaWeigandisk;la.i(m8e݌!W% Ќ    Fulltnmtelstvera100%samfelltnmhsk;lastigi,iWnnmeWaYaWnmannaWsem J""& gerirsambrilegarkrfurtilundirbningsmenntunarognmhsk;lastigi.Einstknm #' skeiWteljastekkitilnms. #(   HeimilteraWveitaerlendumskiptinemumdvalarleyfisamkvmtkvWiYessukomiYeir $ ) tillandsinsvegumviWurkenndraskiptinemasamtaka.Jafnframtmveitatlendingisem v%N!* dvaliWhefurlandinugrundvellidvalarleyfisskv.13.gr.enmissirrtttildvalarYeim A&"+ grundvelliviW18raaldurdvalarleyfisamkvmtYessarigreintilaWstundanmviWfram  '", haldssk;la. '#-   DvalarleyfisamkvmtkvWiYessuskalaWjafnaWiekkiveitttillengritmaensex ( mnaWasenn.HeimilteraWendurnUjadvalarleyfisamkvmtkvWiYessunmstmaef  tlendingur&  fullngirframskilyrWum1.og2.mgr.oggetursUntframviWunandinms  rangur.NmsrangurtelstviWunandihafitlendingurlokiWa.m.k.75%affullunmi.ViW a fyrstuendurnUjundvalarleyfistelstnmsrangurviWunandihafitlendingurlokiWa.m.k. T, 50%affullunmi.  '  LeyfisamkvmtkvWiYessugeturekkiveriWgrundvllurbsetuleyfis.      g.&  Ԁ(12.gr.f.)  X @U U DvalarleyfigrundvellimannWarsj;narmiWa. K #    HeimilteraWveitatlendingidvalarleyfi,Y;ttekkisfullngtllumskilyrWum11.gr.    efrkmannWarsj;narmiWstandatilYess.    ' đ  DvalarleyfisamkvmtkvWiYessuskaleigiveitttillengritmaeneinsrs.Heimilter   aWendurnUjadvalarleyfisamkvmtkvWiYessualltaWtvrsennendahafiforsendur wO  fyrirveitinguleyfisinsupphafiekkibreyst. B    LeyfisamkvmtkvWiYessugeturveriWgrundvllurbsetuleyfis.        h.(12.gr.g.) {  @ BP,++++cb    BrWabirgWadvalarleyfi. nF BP,4legu++++cb      Heimilter,aWbeiWnitlendingssems;tthefurumhli,aWveitahonumbrWabirgWa 9 dvalarleyfiYartilkvrWunhefurveriWtekinumhlisums;knina.Einnigerheimilt,aW  beiWnitlendingssemhefurfengiWendanlegasynjunumhlieWadvalarleyfisemkemur  ekkitilframkvmdaaWsvostddu,aWveitahonumbrWabirgWadvalarleyfiYartilsynjunin r kemurtilframkvmda.SkilyrWifyrirveitingudvalarleyfissamkvmtkvWiYessuerum.a. e= eftirfarandi: 0 ! ! (g00"i(m"  i(m2g  a  .3  Ԉ0    aWtekinhafiveriWhlisskUrslaafumskjanda,i(mޙ݌ Ќ  "i(m"  i(mŚ2g  b  .3  Ԉ0    aWekkileikivafiYvhverumskjandier,i(mŚ݌ Ќ  "i(m"  i(mӛ2g  c  .3  Ԉ0    aWekkiliggifyrirstWursemgetaleitttilbrottvsunarumskjanda,i(mӛ݌i Ќ  "i(m"  i(m2g  d  .3  Ԉ0    aWekkiliggifyrirbeiWniumaWannaWrkitakiviWhonumnU,sbr.e-liW1.mgr.46.gr.,i(m*݌\4 Ќ  "i(m"  i(mK2g  e  .3  Ԉ0    aWtlendingurhafiveittupplUsingarogatbeinasinntilaWaWstoWaviWrlausnmls.i(mKx݌' Ќ    HeimilteraWvkjafrskilyrWum1.mgr.Yegarsrstaklegastendur.    DvalarleyfisamkvmtkvWiYessuskalaWjafnaWieigiveitttillengritmaensex  mnaWa.HeimilteraWendurnUjadvalarleyfisamkvmtkvWiYessualltaWeittrsam `  kvmtkvrWunBtlendingastofnunar. S+!   kvWiIV.,V.ogVII.kaflastj;rnsUslulagaumandmlartt,umbirtingukvrWunar, " rkstuWningo.fl.ogumstj;rnsUslukru,ogviWeigandikvWiV.kaflalagaYessara,gilda # ekkiumkvrWunumbrWabirgWadvalarleyfi.BrWabirgWadvalarleyfihefurekkinnur  $ rttarhrifenYausemsrstaklegaergetiWlgumeWareglugerW. !W%   LeyfisamkvmtkvWiYessugeturekkiveriWgrundvllurbsetuleyfis. J""&   @!11.gr. #(   13.gr.lagannaorWastsvosamtfyrirsgn: $ ) @ BP,++++cb    DvalarleyfifyriraWstandendur. v%N!* BP,*++++cb      NnustuaWstandendurslensksrkisborgaraeWaannarsnorrnsrkisborgarasembsettur A&"+ erhrlandieWatlendingssemdvelsthrlandigrundvellidvalarleyfisskv.12.gr.,12.  '", gr.b.og12.gr.f.eWagrundvellibsetuleyfisgetasamkvmtums;knfengiWdvalarleyfi, '#- endaliggiekkifyriratviksemgreinird-liW1.mgr.11.gr.,aukYesssemframfrsla,sjkra ( tryggingoghsnWiskalveratryggt,sbr.a-liW1.mgr.11.gr.SamagildirumnnustuaW  standendurYeirrasemstundadoktorsnmhrlandigrundvelli12.gr.e.  & ,   NnustuaWstandendurskilningi1.mgr.erumaki,sambWarmakiogsamvistarmaki,brn a viWkomandiyngrien18rahansframfrioghansforsj,ttmennihanseWamaka T, beinanleggeldrien66raogYeirraframfri.  ',G  NerrkstuddurgrunurumaWtilhjskapar,staWfestrarsamvistareWasambWarhafi  veriWstofnaWYeimtilgangieinumaWafladvalarleyfis,ogekkiersUntframannaWmeW   ;yggjandihtti,ogveitirYaWYekkirtttildvalarleyfis.Samagildirefrkstuddurgrunur  X erumaWekkihafiveriWstofnaWtilhjskapareWastaWfestrarsamvistarmeWviljabeggja K #  hj;naeWaefstofnunhjskapareWastaWfestrarsamvistarbrUturbgaviWallsherjarregluog    meginreglurslenskralaga.Efannarmakinner24raeWayngriskalvalltkannahvort    mlsatvikerumeWYeimhttisemumgetur1.og2.mlsl.     DvalarleyfisamkvmtkvWiYessuverWurekkiveittefnnastiaWstandandiumskjanda wO  hefursWustufimmrumhlotiWd;meWaveriWltinnstaryggisrWstfunumfyrirbrot B  kvWumXXI.!XXIV.kaflaalmennrahegningarlaga,nemasynjunumdvalarleyfimundi    felasr;sanngjarnarWstfungagnvarthonumeWannustuttingjumhans.     DvalarleyfisamkvmtkvWiYessuskalfyrstaskiptieigiveitttillengritmaeneins {  rs.HeimilteraWendurnUjadvalarleyfiWsamkvmtums;knefskilyrWiYesseruennuppfyllt. nF DvalarleyfiaWstandandatlendings,semdvelsthrlandigrundvellidvalar-eWab 9 setuleyfis,geturY;aldreigiltlengurenleyfiYesssWarnefnda.    DvalarleyfisemaWstandandifrsamkvmtYessukvWigeturekkiveriWgrundvllur  bsetuleyfisnematlendingurinnsemhannleiWirrttsinnafhafidvalarleyfisemskapar r slkangrundvll. e=   @!12.gr.    14.gr.lagannaorWastsvosamtfyrirsgn:  @w w BP,++++cb    EndurnUjundvalarleyfis. i BP,M++++cb      EndurnUjamdvalarleyfitlendingsaWfenginniums;knefskilyrWumleyfisinserfram \4 fullngt. '   Btlendingursem;skareftirendurnUjundvalarleyfisskalskjaumhanaeigisWaren  fj;rumvikumWurendvalarleyfifellurrgildi.Ss;ttumendurnUjuninnantilskilinsfrests  ertlendingiheimiltaWdveljasthrlandiYartilkvrWunhefurveriWtekinumums;kn `  hans.AWWrumkostiskaltlendingurhverfarlandiWurenleyfihansrennurt. S+!   BtlendingastofnungeturundantekningartilvikumheimilaWtlendingiframhaldandidvl " YartilkvrWunhefurveriWtekinumums;knumendurnUjunleyfissemboristhefureftir # Yannfrestsemumgetur2.mgr.,efafsakanlegteraWums;knhafiekkiveriWskilaWfyrreWa  $ rkarsanngirnisstWurmlimeWYv. !W%   BtlendingastofnuntekurkvrWunumaWfelladvalarleyfiniWurYegarleyfishafihefur J""& dvalisterlendissamfelltlengurenYrjmnuWi.XegarlgheimilitlendingshefurveriWskrW #' erlendisYrjmnuWifellurdvalarleyfiWsjlfkrafaniWur.X;ttdvalarleyfifalliniWurkemur #( YaWekkivegfyriraWtlendingurgetis;ttumendurnUjunsamkvmtkvWiYessuefYaW $ ) ergertinnanupphaflegsgildistmadvalarleyfisinsogsanngirnisstWurmlameWYv. v%N!*   A&"+ @!& ,  13.gr. (   15.gr.lagannaorWastsvosamtfyrirsgn:BP,++++cb      @QQBsetuleyfi.  BP,++++cb      HeimilteraWveitatlendingibsetule',(yfi,hafihanndvaliWhrlandisamfelltsWustu a fjgurrsamkvmtdvalarleyfisemgeturveriWgrundvllurbsetuleyfis.SkilyrWifyrirveit T, ingubsetuleyfiserum.a.eftirfarandi:  ! ! (g00"i(m"  i(ml2g  a  .3  Ԉ0    Btlendingurhefurs;ttnmskeiWslenskufyrirtlendinga.i(ml݌ Ќ  "i(m"  i(m2g  b  .3  Ԉ0    EkkiliggjafyrirstWursemvaldiWgetaYvaWhonumverWivsaWrlandi,sbr.1.mgr.   20.gr.i(m݌ X Ќ  "i(m"  i(m2g  c  .3  Ԉ0    Btlendingur&  sUnirframaWframfrslahanshafiveriWtryggdvalartmahansogaW K #  hannhafigetaWoggetiframfleyttsrhrlendismeWlglegumhtti.Btlendingastofnun    erm.a.heimiltaWaflaskattframtalaoggagnafrskattyfirvldumYvtilstaWfestingar.    GreiWsluralmannatrygginga,atvinnuleysisbtureWagreiWslurformiflagslegraraW   stoWarrkiseWasveitarflagsteljastekkitiltryggrarframfrslusamkvmtYessu wO  kvWi.HeimilteraWvkjafrYessuskilyrWiefframfrslahefurveriW;tryggum B  skammahrWogrkarsanngirnisstWurmlameWYv.i(m݌   Ќ  "i(m"  i(m2g  d  .3  Ԉ0    BtlendingurhefurhaftdvalarleyfisamagrundvellisWustufjgurrWurenums;kn   umbsetuleyfierlgWframogskilyrWiYessleyfiseruennuppfyllt.i(m݌{  Ќ  "i(m"  i(mz2g  e  .3  Ԉ0    Btlendingureigiekki;lokiWmlirefsivrslukerfinuYarsemhannergrunaWureWa nF sakaWurumrefsiverWahttsemi.i(mz݌9 Ќ   (g00' K   Bsetuleyfifelursrrtttil;tmabundinnardvalarhrlandi.    HeimilteraWveitabarnisemfWisteftiraWforsjrforeldrikemurtillandsinsbsetuleyfi  endahafiforeldriWbsetuleyfihrlandi. r   BtlendingastofnuntekurkvrWunumbsetuleyfi.Btlendingursem;skareftirbsetuleyfi e= skalskjaumleyfiWtilBtlendingastofnunareigisWarenfj;rumvikumWurendvalarleyfi 0 fellurrgildi.HonumerheimiltaWdveljasthrlandiYartilkvrWunhefurveriWtekinum  ums;knhans,endahafiums;kninboristBtlendingastofnuninnantilskilinsfrests.kvWi  2.mgr.14.gr.viWumums;knirsemsWarberast. i   BtlendingastofnuntekurkvrWunumaWfellabsetuleyfiniWurYegarleyfishafihefur \4 dvalisterlendissamfelltlenguren18mnuWi.XegarlgheimilitlendingshefurveriWskrW ' erlendis18mnuWifellurbsetuleyfiWsjlfkrafaniWur.AWfenginniums;knmheimila  tlendingilengridvlerlendisnYessaWbsetuleyfiWfallirgildi.    BtlendingastofnungefurtskrteinitilstaWfestingarveitingubsetuleyfis.Skrteinier `  gefiWtnafntlendingsinssemerhandhafileyfisins.kvWi10.gr.aeigaviWumtgfu S+! skrteinistilstaWfestingarbsetuleyfi. "   D;msmlarWherraseturnnarireglurumbsetuleyfi,YarmeWalumlengridvlerlendis # skv.5.mgr.ogumnmskeiWslenskufyrirtlendingaskv.1.mgr.XarskalkveWiWum  $ lengdnmskeiWs,lgmarkstmas;knogvottorWtilstaWfestingarYtttku.Einnigerheimilt !W% aWkveWaYarumundanYgufrYtttkunmskeiWifyrirtlendingasemnWhafaviW J""& hltandiYekkinguslenskuogumpr;fYvtilstaWfestingar.XerreglugerWinniheimiltaW #' kveWaumgjaldvegnaYtttkunmskeiWieWapr;fi. #(   $ ) @!&   14.gr. (   ViW16.gr.lagannabtistnUmlsgreinsemorWastsvo:    EftirafturkllunleyfisgrundvellirangraupplUsingaeWaYessaWleyntvaratvikumsem  verulegaYUWingugtuhaftviWtgfuleyfis,skalrttarstaWatlendingsinssamkvmtlgum a YessumverasemhannhefWialdreifengiW'(MԀtgefiWleyfi. T, @!15.gr.    ViW3.mgr.20.gr.lagannabtistnUrmlsliWursemorWastsvo:D;msmlarWherrasetur   nnarireglurumendurkomubann.  X @!16.gr.      ViW23.gr.lagannabtasttvrnUjarmlsgreinarsemorWastsvo:      BtlendingastofnunerheimiltaWfengnusamYykkid;msmlarWherraaWveitaums;knum   skv.12.gr.,12.gr.aog12.gr.eforgangsafgreiWslu. wO    &  BtlendingastofnunerheimiltaWveitaums;knumskv.12.gr.og12.gr.ahraWafgreiWslu B  grundvelliyfirlUsingaratvinnurekanda,'BsemfengiWhefurviWurkenninguBtlendingastofn    unar.AtvinnurekandiskallUsaYvyfiraWllskilyrWidvalarleyfissuuppfylltogaWhann   muniskilainnfullngjandiggnumfyrirhndtlendings.D;msmlarWherragetursett {  reglurumbeitinguYessararheimildar,YarmeWalumYauskilyrWisematvinnurekendur nF YurfaaWuppfyllatilaWhlj;taviWurkenningu. 9 @!17.gr.    1.mgr.26.gr.lagannaorWastsvo: r   Stj;rnvldumsemfarameWmlefnitlendingaerheimiltaWltaerlendumstj;rnvldum e= tupplUsingarumtlendingvegnameWferWarmliervarWarvegabrfsritun,dvalarleyfi 0 eWahliaWYvmarkisemnauWsynlegtervegnasamningasem0slandhefurgertumviWmiW  anirogfyrirkomulagviWaWkvarWahvaWarkiskulifarameWbeiWniumhlisemlgWer  fram0slandieWaeinhverjusamningsrkjanna. i @!18.gr. '   7.mgr.29.gr.lagannaorWastsvo:    EftlendingurneitaraWgefaupphverhanner,rkstuddurgrunurerumaWtlendingur  gefirangarupplUsingarumhverhanneWahannsUnirafsrhegWunsemgefurtilkynnaaW `  afhonumstafihttageturlgreglalagtfyrirhannaWtilkynnasigeWahaldasigkveWnu S+! afmrkuWusvWi.EinnigerheimiltaWhandtakatlendinginnogrskurWagsluvarWhald " samkvmtreglumlagaummeWferWopinberramla,eftirYvsemviW. # @!19.gr. !W%   0staWorWanna?3.mgr.14.gr. 1.og2.mgr.31.gr.lagannakemur:2.mgr.14.gr. J""& @!20.gr. #(   3.og4.mgr.33.gr.lagannaorWastsvo: $ )   TilaWtryggjaaWkvrWunskv.1.mgr.verWiframkvmdogYeimtilvikumsemt v%N!* lendingursUnirafsrhegWunsemgefurtilkynnaaWafhonumstafihttageturlgreglalagt A&"+  fyrirtlendinginnaW:  '", "i(m"  i(m2g  a  .3  Ԉ0    & a  tilkynnasig,i(m݌( Ќ  "i(m"  i(m2g  b  .3  Ԉ0    afhendavegabrfeWaannaWkennivottorW,sbr.5.gr.,ogi(m݌ Ќ  "i(m"  'a(*i(m2g  c  .3  Ԉ0    haldasigkveWnuafmrkuWusvWi.i(m݌ Ќ   (g00  Fyrirmlisemgreinir3.mgr.mYvaWeinsgefaaWstWastilaWtlaaWtlendingur a munikomasrundanframkvmdkvrWunarskv.1.mgr.eWaYeimtilvikumsemtlend T, ingursUnirafsrhegWunsemgefurtilkynnaaWafhonumstafihttafyrirsamflagiW.ViW  matYvhvortstWastilaWtlaaWtlendingurmunikomasrundanframkvmd  kvrWunarskv.1.mgr.mtakatillittilalmennrarreynsluafundankomu.Fyrirmlingilda   ekkilengurenfj;rarvikurnematlendingurinnsamYykkiYaWeWad;marikveWisam  X kvmtreglumummeWferWopinberramla. K #  @!&  21.gr.      EftirfarandibreytingarverWa34.gr.laganna:    6(Eh80"i(m"  i(m2Eh  a  .3  Ԉ0    0staWorWanna,,6.mgr.29.gr. 1.mgr.kemur:7.mgr.29.gr.i(m݌wO  Ќ  "i(m"  i(m2Eh  b  .3  Ԉ0    0staWorWanna,,2.mgr.43.gr. 2.mgr.kemur:2.mgr.42.gr.i(m݌B  Ќ  "i(m"  i(m2Eh  c  .3  Ԉ0    0staWorWanna?2.mgr.11.gr. 2.mgr.kemur:12.gr.f.i(m݌   Ќ  '   @!&  22.gr. {    35.gr.lagannaorWastsvosamtfyrirsgn: nF @BP,++++cb    Komaogdvl.BP,ni++++cb    ݈ 9   Btlendingur,semfellurundirreglurEES-samningsins(EES-tlendingur)eWastofnsamn  ingsEFTA(EFTA-tlendingur),mkoma'3ԀtillandsinsnsrstaksleyfisogdveljasteWastarfa  hrlandialltaWYrjmnuWifrkomuhanstillandsins,eWaalltaWsexmnuWiefhanner r atvinnuleit.DvlWrunorrnulandiskalekkidragafrdvalartmanum. e=   Btlendingur,semhvorkierrkisborgariEES-eWaEFTA-rkisnaWstandandislksborg 0 ara,mkomatillandsinsnsrstaksleyfistilaWveitaYj;nustualltaW90starfsdaga  almanaksrishannsannanlegastarfsmaWurYj;nustuveitandaEvr;pskaefnahagssvWinu  eWaEFTA-rki. i   EES-eWaEFTA-tlendingi,semdvelsteWastarfarhrlandilengurengreinir1.mgr., \4 beraWskrsigogskalhannuppfyllaskilyrWi36.gr. ' @!23.gr.    36.gr.lagannaorWastsvosamtfyrirsgn: `  @BP,++++cb    Rtturtildvalar. S+! BP,ni++++cb      EES-eWaEFTA-tlendingur,Y;ekkitlendingursemgreinir2.mgr.35.gr.,rtttil " dvalarhrlandilengurenYrjmnuWiefhannfullngireftirgreindumskilyrWum: #  6(Eh886"i(m"  i(m2Eh  a  .3  Ԉ0    erlaunYegisemfellurundirlgumfrjlsanatvinnu-ogbseturttlaunaf;lksinnanEvr  $ ;pskaefnahagssvWisins,sbr.2.tlul.V.viWaukaviWEES-samninginn,i(m݌!W% Ќ  "i(m"  i(mF2Eh  b  .3  Ԉ0    tlaraWstundasjlfstWaatvinnustarfsemihrlandieWaveitaeWanj;tahrYj;nustu,i(mFs݌J""& Ќ  "i(m"  i(m2Eh  c  .3  Ԉ0    YiggurngilegarfastarreglubundnargreiWslureWangilegteigiWfogfellurundir #' sjkratryggingusembyrgistallahttumeWandvlhanshrlandivarir,eWai(m݌#( Ќ  "i(m"  i(m82Eh  d  .3  Ԉ0    erinnritaWurhjviWurkenndrinmsstofnunmeWYaWaWmeginmarkmiWiaWWlastYar $ ) menntuneWastarfsYjlfun,fellurundirsjkratryggingusembyrgistallahttumeWan v%N!* dvlhanshrlandivariroggetursUntframtryggaframfrslu.i(m8e݌A&"+ Ќ   6(Eh886#  KrefjamEES-eWaEFTA-tlendingumaWframvsafullngjandiferWaskilrkjumog  '", ggnumsemstaWfestaaWhannuppfylliskilyrWi1.mgr. '#-   D;msmlarWherragetursettnnarireglurumrttEES-ogEFTA-tlendingatildvalar ( hrlandi,YarmeWalumskrningurttartildvalarogumggnskv.2.mgr.  @!24.gr. a   37.gr.lagannaorWastsvosamtfyrirsgn: T, @QQBP,++++cb    DvlaWstandenda.  BP,#++++cb      AWstandandiEES-eWaEFTA-tlendingssemdvelurlglegahrlandirtttilaWdvelja  meWhonumhrlendis.     EftirgreindirteljasttilaWstandendatlendingssemfellurundir1.mgr.36.gr.:  X a.  maki,sambWarmakieWasamvistarmaki, K #  b.0  niWjitlendings,semdvelurhrlandiskv.1.mgr.36.gr.,og/eWamakahans,efniWjinn    eryngrien21rseWaframfriviWkomandi,   c.0  ttmennitlendings,semdvelurhrlandiskv.1.mgr.36.gr.,eWamakahans,beinan   leggogframfriviWkomandi.wO   (g086  AWstandandaEES-eWaEFTA-tlendings,semhyggstdveljameWhonumhrlandi B  lengurengreinir1.mgr.35.gr.ogersjlfurEES-eWaEFTA-tlendingur,beraWskrsig    hrlandi,sbr.3.mgr.35.gr.     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(   43.gr.lagannaorWastsvosamtfyrirsgn:  @j j BP,++++cb    TakmarkanirheimildtilbrottvsunarBP,(efsi++++cb    .    BrottvsunskalekkikveWaefYaWmeW',('hliWsj;nafmlsatvikumogtengslumtlendings a insviWlandiWmundifelasr;sanngjarnarWstfungagnvarthonumeWannustuttingjum T, hans.ViWmatiWskalm.a.takamiWaflengddvalar0slandi,aldri,heilsufari,fjlskyldu-og  fjrhagsaWstWumogtengslumviWkomandiviWheimaland.    EkkierheimiltaWvsabrottEES-eWaEFTA-tlendingi,eWaaWstandandahans,semhefur   varanlegabsetuhrlandi,sbr.39.gr.,nemaalvarlegarstWurervarWaallsherjarreglu  X eWaalmannaryggikrefjistYess. K #    HafiEES-eWaEFTA-tlendingurdvaliWlglegahrlandilengurenturverWastW    urbrottvsunarskv.42.gr.aWverabrUnar.Samagildirum;lgrWaEES-eWaEFTAtlend    ing,nemaannaWverWitaliWnauWsynlegtvegnahagsmunahans.   @!30.gr. B    0staWorWanna?2.mgr.11.gr. 2.mgr.45.gr.lagannakemur:12.gr.f.      @!& , 31.gr. {    EftirfarandibreytingarverWa46.gr.laganna: nF a.0  E-liWur1.mgr.orWastsvo:krefjamannaWrki,semtekurYttsamstarfigrundvelli 9 samningasem0slandhefurgertum',.ԀviWmiWanirogfyrirkomulagviWaWkvarWahvaWa  rkiskulifarameWbeiWniumhlisemlgWerfram0slandieWaeinhverjusamnings  rkjanna,umaWtakaviW.r b.  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HrerlagttilaWkvWingildandi40.gr.lagannaverWifelltbrottogstaWinnkominUtt wO  kvWiumbrottfalldvalarrttar.kvWiWkemuraWhlutatilstaW41.gr.ngildandilaga B  enekkiverWurlengurgertrWfyrirafturkllundvalarleyfisYegarsvostendursem16.gr.    greinir.035.gr.tilskipunar38/2004/EBerhinsvegargertrWfyriraWaWildarrkingetigripiW   tilnauWsynlegrarWstafanatilaWspornagegnmisnotkunYeimrttindumsemtilskipunin {  mlirfyrirum,t.d.vegnamlamyndahj;nabanda.XverlagttilaW40.gr.verWiaWfinna nF heimildarkvWifyrirBtlendingastofnuntilaWfellaniWurdvalarrttEES-eWaEFTAtlend 9 ingsYegarummisnotkuneraWrWa,t.d.mlamyndahj;nabandeWavsvitandirangaupp  lUsingagjf.    0kvWi2.mgr.YykirhinsvegarrttaWtakaframhvenrdvalarrtturfellurekkiniWur r jafnvelY;ttviWkomanditlendinguruppfylliekkilengurskilyrWia!bliWar1.mgr.36.gr.um e= rtttildvalar,enhrerumaWrWahlutaafkvWingildandi1.mgr.41.gr.XergertrW 0 fyriraWd;msmlarWherrasetjinnarireglurumhvenrdvalarrtturEES-eWaEFTA  tlendings,eWaaWstandandahans,heldurgildisnuvegnasrstakraaWstWna.03.mgr.er  lagttilaWtekiWverWiframaWBtlendingastofnuntakikvrWunumniWurfellinguleyfis.Xegar i tillitakemuraWfellaniWurrtttildvalargildareglurstj;rnsUslulagaummeWferWmls. \4 @ttUm27.gr.    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A^  [     FjrmlarWuneyti, wO  fjrlagaskrifstofa: B     Umsgnumfrumvarptillagaumbreytingulgumnr.96/2002,   umtlendinga,meWsWaribreytingum. {     FrumvarpiWfelursrbreytingarUmsumgreinumngildandilagaYessusviWi.Helstu nF breytingarnarltaaWYvaWveitarWherraheimildtilaWinnleiWameWreglugerWheildarreglur 9 Evr;purWsinsogYingsinsumfryfirlandamrinr.562/2006/ESB,aWinnleiWatilskipun  Evr;purWsinsogYingsinsnr.38/2004/ECumrttrkisborgaraEBogEFTAogfjlskyldna  YeirratilfrjlsrarfararogdvalarEES-svWinu,samrmakvWilagannaviWfyrirhugaWar r breytingarlgumnr.97/2002,umatvinnurttinditlendinga,semlagWarerutilWru e= frumvarpisamhliWaYessuogfjlgadvalarleyfisflokkum,aukYesssemkomiWertilm;tsviW 0 athugasemdirsemkomiWhafaframfrEftirlitsstofnunEFTA.EkkierY;gertrWfyriraW  lgfestingfrumvarpsinsfelisrverulegarbreytingarframkvmdlagannaogerekki  stWatilaWtlaaWYaWhafifrmeWsrteljandikostnaWaraukafyrirrkissj;W. i