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BtgefandiskalsjtilYessaWafborganirogaWrargreiWslurafeignum_tryggingasafni_,svo " ogaf_afleiWusamningum_,oggreiWsluraf_srtryggWu_Ԁ_skuldabrfunum_ԀsumeWYeimhttiaW # unntsaWefna_skuldbindinguna_Ԁgagnvarteigendum_srtryggWra_Ԁskuldabrfaog_gagnaWilum_  $ _afleiWusamninga_.0YessuskyniskalafborgunumogWrumgreiWslumafeignum_trygginga !W% safni_Ԁ& a haldiWaWgreindumfrWrumeignumtgefanda,_Y.m.t._ԀWrum_tryggingasfnum_,samt J""& afborgunumogWrumgreiWslumafYeim. #' 'aJ"uq  BtgefandiskalvarWveitafjrmuniskv.2.mgr.srstkumreikningiogaWgreinaYfr #( Wrumeignumsnum. $ )   Btgefandaskal;heimiltaWveWsetjaskuldabrfogaWrareignir_tryggingasafni_. v%N!*   SkuldabrfogaWrareignir_tryggingasafni_ԀskuluundanYegnaraWfr_skuldheimtumanna_ A&"+ tgefanda.  '",  '#-   _VI_.KAFLI (  Skr.   13.gr.  SkyldatilaWhaldaskrog_rita_Ԁskuldabrf. a t  Btgefandiskalhaldasrstakaskryfir_srtryggW_Ԁskuldabrfog_tryggingasafniW_,auk_af T, leiWusamninga_,sumYaWrWa.0henniskulukomaframeftirfarandiupplUsingar:  ! ! q(#33q"i0J"  i0Jw2#  1  .3  Ԉ0    NafnverW,_vaxtaskilmlar_Ԁog_lokagjalddagar_Ԁ_srtryggWra_Ԁskuldabrfa_skuldabrfa  flokknum_.i0Jwx݌  Ќ  "i0J"  i0Jy2#  2  .3  Ԉ0    Flokkarskuldabrfa_tryggingasafni_,skv.1.!4._tlul_.1.mgr.5.gr.i0Jyy݌ X Ќ  "i0J"  i0J {2#  3  .3  Ԉ0    Nmer_skuldabrfs_Ԁ_tryggingasafni_,nafn_skuldara_,_kennitala_Ԁhans,_nafnvirWi_Ԁlns,_t K #  gfudagur_,_lnstmi_,_afborgunar_-og_vaxtaskilmlar_.i0J {7{݌   Ќ  "i0J"  i0J}2#  4  .3  Ԉ0    Nafn_byrgWaraWila_ԀaWskuldrkiseWasveitarflagseWastofnanaYeirra,sumslkanaW    rWa.i0J}}݌  Ќ  "i0J"  i0J.2#  5  .3  Ԉ0    MatvirWi_veWtrygginga_Ԁ_tryggingasafni_,hvenrmatiWvarframkvmtogforsendur wO  Yess.i0J.[݌B  Ќ  "i0J"  i0J€2#  6  .3  Ԉ0    Nerum_staWgngutryggingar_ԀaWrWaogskalYtilgreinaYrogYreignirsemtrygg    ingarnarleysaafh;lmi,_nafnvirWi_ԀYeirra,_greiWslutma_Ԁog_vaxtakjr_Ԁeignanna.i0J€݌  Ќ  "i0J"  i0J2#  7  .3  Ԉ0    FjrmunirogaWrareignirsemm;tteknarhafaveriWsemgreiWslaafskuldabrfumog {  Wrumeignum_tryggingasafni_ԀogekkihafaveriWgreiddartil_handhafa_Ԁ_srtryggWra_ nF skuldabrfa,svooghverniggeymsluYeirraerhttaW.i0J"݌9 Ќ  "i0J"  i0JP2#  8  .3  Ԉ0    Sum_afleiWusamning_,einneWafleiri,aWrWaskaltilgreinategundhansognmer,  gagnaWila,nafnverW,gjaldmiWil,_vaxtaskilmla_,_nett;krfu_ԀeWa_nett;skuld_Ԁvegnasamn  ingsinssamtupphafs-og_lokadagsetningu_.i0JP}݌r Ќ    Skuldabrf_tryggingasafni_Ԁskulu_rituW_ԀumaWYausuhlutiaf_tryggingasafni_Ԁoghafi e= veriWfrWskrsamkvmtYessumkafla._ritunin_ԀskaleinnigberameWsraW_skuldabrfiW_ 0 standitilfullnustutilgreindumflokki_srtryggWra_Ԁskuldabrfa.    _VII_.KAFLI i  _GjaldYrotaskipti_Ԁbitgefanda.  \4 14.gr. ' RttarhrifrskurWarum_gjaldYrotaskipti_.    NerbtgefandatekiWtil_gjaldYrotaskipta_ԀogfallaY_srtryggW_Ԁskuldabrf,semhann  hefurgefiWt,ekkigjalddaga,nemasrstaklegahafiveriWumYaWsamiW. `    15.gr. " StaWa_skuldarW_. # |  NerbtgefandatekiWtil_gjaldYrotaskipta_ԀogskuluY_srtryggW_Ԁskuldabrfnj;ta_trygg  $ ingarttinda_ԀskuldabrfumogWrumeignum_tryggingasafni_ԀoggreiWslumsemm;tteknar !W% hafaveriWvegnaframangreindraeigna,endahafieignirnarveriWfrWarskr,sbr._VI_.kafla J""& lagaYessara.UmeWli_tryggingarttindanna_Ԁog_fullnusturtt_Ԁ_srtryggWum_Ԁskuldabrfum #' eignunumskalfariWsamkvmtreglum111.gr.lagaum_gjaldYrotaskipti_Ԁ_o.fl_. #(   Nleitartgefandi_nauWasamnings_ԀviW_lnardrottna_ԀsnaogskuluY_srtryggW_Ԁskuldabrf $ ) samkvmtlgumYessumnj;tastWusamrmiviWreglur4._tlul_.1.mgr.28.gr.lagaum v%N!* _gjaldYrotaskipti_Ԁ_o.fl_. A&"+    '", @!& a  16.gr. ( @UmsUslaeigna.    _Skiptastj;ri_Ԁ_Yrotabi_Ԁskalhaldaskuld'a(abrfumogWrumeignum_tryggingasafni_Ԁsam  kvmtlgumYessumaWgreindumfrWrumeignum_Yrotabi_Ԁtgefanda.Samagildirum a fjrmuniogaWrareignirsemkomastaWskuldabrfaogannarraeigna_tryggingasafni_,eWa T, greiWastvegnaYeirra.AWgreiningunniskalhaldiWYartilkrfursamkvmt_srtryggWum_  skuldabrfumhafaveriWgreiddaraWfullu.    _Skiptastj;ri_Ԁskaleinnighalda_afleiWusamningum_ԀogfjrmunumsemgreiWastvegnaYeirra,   eWagreiWaYarfr_tryggingasafni_ԀtilgagnaWilaaW_afleiWusamningi_,aWgreindumfrWrum  X eignum_Yrotabsins_. K #  @!17.gr.    @ _Samningsbundnar_ԀgreiWslur.     _Skiptastj;ri_Ԁogumsj;narmaWurviW_nauWasamningsumleitanir_Ԁskuluefnaskuldbindingar wO  tgefandasamkvmt_srtryggWum_Ԁskuldabrfumog_afleiWusamningum_ԀmeWskuldabrfum B  ogWrumeignum_tryggingasafni_,oggreiWslumafYessumeignum,endasueignirnartil    greindarskrskv._VI_.kafla.     Nfrtgefandiheimildtil_greiWslustWvunar_ԀogskalYaWstoWarmaWurviW_greiWslu {  stWvun_,YrttfyrirkvWi_IV_.kaflalagaum_gjaldYrotaskipti_Ԁ_o.fl_.,tryggjaaW_efndar_Ԁsu nF skuldbindingarsamkvmt_srtryggWum_Ԁskuldabrfumog_afleiWusamningum_ԀmeWverWmtum 9 _tryggingasafni_,_staWgngutryggingum_ԀoggreiWslumsemkomatilvegnaYessaraeigna.  @!18.gr. r @  M;tteknargreiWslur. e=   GreiWslur,semtgefanditekurviWeftir_frestdag_ԀsamrmiviWskilmlaskuldabrfaeWa 0 annarraeigna_tryggingasafni_Ԁvegnafullnustukrfum,_Y.m.t._Ԁvegnaefnda_afleiWusamn  ingum_,skalfraskrskv._VI_.kafla.  @!19.gr. \4 @hhRiftun_rWstafana_. '   RWstafanirtgefanda,hvortsemumeraWrWaafhendingufjrmuna_tryggingasafn_,af  hendingu_staWgngutrygginga_ԀsafniW,greiWslurafeignumsafninueWarWstfunfjrmuna  rsafninutilrttraefnda_skuldabrfi_Ԁsem_srtryggt_ԀerYv,eWa_afleiWusamningi_ԀsemgerWur `  hefurveriWsamkvmtlgumYessumogtengistsafninu,skuluekkistariftun,sbr._XX_. S+! kaflalagaum_gjaldYrotaskipti_Ԁ_o.fl_.HiWsamaviWumgreiWslurtiltgefandasamkvmt_af " leiWusamningum_ԀsemhannhefurgertsamrmiviWkvWilagaYessara. # & a @!20.gr. !W% @_SkiptakostnaWur_. J""& 'a!   _SkiptakostnaWur_,sbr.110.gr.lagaum_gjaldYrotaskipti_Ԁ_o.fl_.,aWYvleytisemhannfellur #' tilvegnavinnu_skiptastj;ra_ԀviW_srtryggW_Ԁskuldabrf,safnskuldabrfaogannarraeignasem #( Yverutiltryggingar,greiWslurvegnaYessaraeignaeWa_afleiWusamninga_Ԁsemtengjast_trygg $ ) ingasafni_,skalgreiddurafeignum_tryggingasafni_ԀeWafjrmunumsemkomastaWYeirra. v%N!* Annar_skiptakostnaWur_ԀYrotabsgreiWistekkiafeignum_tryggingasafni_,nemaaWundan A&"+ genginnifullnustu_srtryggWu_Ԁ_skuldabrfi_Ԁog_efndum_Ԁ_afleiWusamningum_Ԁsemsafninu  '", tengjast,sumslkasamningaaWrWa. '#-   _VIII_.KAFLI (  EftirlitsjlfstWs_skoWunarmanns_.   21.gr.  SjlfstWur_skoWunarmaWur_. a   #+#BtgefandiskalskipasjlfstWan_skoWunarmann_ԀtilaWhafaeftirlitmeWtgfu_srtryggWra_ T, skuldabrfasem_FjrmlaeftirlitiW_Ԁhefurveittleyfifyrir._FjrmlaeftirlitiW_ԀskalstaWfesta  skipunhans._SkoWunarmaWur_ԀskaluppfyllaYau_hfisskilyrWi_ԀsemkveWiWerumreglum  _Fjrmlaeftirlitsins_Ԁskv.8._tlul_.25.gr.Telji_FjrmlaeftirlitiW_ԀaW_skoWunarmaWur_Ԁuppfylli   ekki_hfisskilyrWi_ԀgeturYaWafturkallaWstaWfestingusna.  X   XegarleitaWereftirstaWfestingu_Fjrmlaeftirlitsins_Ԁskipun_skoWunarmanns_Ԁskalt K #  gefandigeragreinfyrirhugsanlegumtengslumhansviWtgefandaoghelstu_fyrirsvarsmenn_    hans.    @!22.gr. wO  @n n Helstuverkefni_skoWunarmanns_. B    _SkoWunarmaWur_ԀskalfylgjastmeWYvaWhaldinsskr,sbr._VI_.kaflalagaYessara.Hann    skalgangarskuggaumaWmat_veWtryggingum_Ԁskuldabrfa_tryggingasafni_Ԁbyggistrttri   aWferW. {    ##_SkoWunarmaWur_Ԁskalveita_Fjrmlaeftirlitinu_ԀupplUsingarsemhannfrstarfisnusvo nF oftogYvformisemYaWkveWurogumframYaWefsrstkstWaertil. 9 @!23.gr.  @; ; _UpplUsingaskylda_._Xagnarskylda_. r   Btgefandiskalveita_skoWunarmanni_ԀallarupplUsingarsemhann;skareftirogvarWat e= gfu_srtryggWra_Ԁskuldabrfaog_tryggingasafn_._SkoWunarmaWurinn_ԀhefurrtttilaWfram 0 kvmaYathugunggnumhsnWitgefandasemhanntelurnauWsynlegatilaWfull  ngjaskyldumsnum.    _SkoWunarmaWur_ԀerbundinnYagnarskyldugagnvartWrumen_Fjrmlaeftirlitinu_Ԁumallt i semhannfrvitneskjuumstarfisnuogleyntaWfara._SkoWunarmanni_ԀerheimiltaWf \4 aWstoWefverkefnihanserumfangsmikiW.Ssemer_skoWunarmanni_ԀtilaWstoWarskaleinnig ' bundinnYagnarskyldu.  &    _IX_.KAFLI `   Eftirlitogheimildir_Fjrmlaeftirlitsins_. S+!  24.gr. " Hlutverk_Fjrmlaeftirlitsins_. # '"  _FjrmlaeftirlitiW_ԀannasteftirlitmeWlgumYessum,_Y.m.t._ԀaWtgefandifylgikvWum  $ Yessaralagaogannarrareglnasemumstarfsemihansgilda.UmeftirlitiWfersamkvmt !W% kvWumlagaumopinberteftirlitmeWfjrmlastarfsemi. J""& @!25.gr. #( @  Reglur_Fjrmlaeftirlitsins_. $ )   _FjrmlaeftirlitiW_ԀgeturgefiWtreglurum: v%N!* ! ! q(#33q"i0J"  i0J2#  1  .3  Ԉ0    Efni_tlunar_Ԁsemtilgreinder2._tlul_.2.mgr.3.gr.i0Jվ݌A&"+ Ќ  "i0J"  i0J2#  2  .3  Ԉ0    Fasteignirsemtilgreindareru1.!3._tlul_.1.mgr.5.gr.i0J*݌ '", Ќ  "i0J"  i0J82#  3  .3  Ԉ0    AWferWviWmat_veWtryggingum_Ԁskuldabrfa.i0J8e݌'#- O "    ь  "i0J"  i0J2#  4  .3  Ԉ0    _StaWgngutryggingar_ԀoghverjirgetiveriWskuldararaWkrfumsemnotamsem_staW ( gngutryggingar_.i0J݌ Ќ  "i0J"  i0JQ2#  5  .3  Ԉ0    Hvernigtgefandiskal_uppfra_Ԁmat_markaWsvirWi_Ԁ_veWtrygginga_.i0JQ~݌ Ќ  "i0J"  i0J2#  6  .3  Ԉ0    SkilmlaogskilyrWifyrir_afleiWusamningum_ԀogaWaukiskilyrWifyrirtreikningum a _httum_Ԁog_vaxtagreiWslum_.i0J݌T, Ќ  "i0J"  i0J2#  7  .3  Ԉ0    Skrsemtilgreinder_VI_.kafla.i0J݌ Ќ  "i0J"  i0J2#  8  .3  Ԉ0    _HfisskilyrWi_ԀsjlfstWs_skoWunarmanns_,sbr._VIII_.kafla,skyldurhansogefniogform  skUrslnasemhanngefur_Fjrmlaeftirlitinu_.i0J݌  Ќ  "i0J"  i0J2#  9  .3  Ԉ0    kvrWunkostnaWarsemtilgreindurer30.gr.i0J݌ X Ќ  @!26.gr.    @ _Afturkllun_Ԁleyfistiltgfu_srtryggWra_Ԁskuldabrfa.      _FjrmlaeftirlitiW_ԀskalafturkallaleyfitilaWgefat_srtryggW_Ԁskuldabrfeftgefandinn:   ! ! q(#33 q"i0J"  i0J2#  1  .3  Ԉ0    HefurekkigefiWthin_srtryggWu_Ԁskuldabrf,semleyfiWgerirrWfyrir,innanrsfr wO  tgfuYess.i0J@݌B  Ќ  "i0J"  i0J2#  2  .3  Ԉ0    HefurlUstYvyfiraWhannmuniekkinUtasrheimildtiltgfu_srtryggWra_Ԁskuldabrfa.i0J݌   Ќ    0staW_afturkllunar_,sbr.1._tlul_.1.mgr.,getur_FjrmlaeftirlitiW_Ԁveitttgefandatiltekinn   fresttiltgfunnar.AWliWnumfrestier_afturkllun_Ԁheimil,endahafitgfanekkifariWfram. {    _Fjrmlaeftirlitinu_ԀerheimiltaWafturkallaleyfitilaWgefat_srtryggW_Ԁskuldabrfef: nF ! ! q(#33q"i0J"  i0J2#  1  .3  Ԉ0    Forsendurleyfistiltgfu_srtryggWra_ԀskuldabrfabreytastYannvegaW_Fjrmla 9 eftirlitiW_ԀtelurskilyrWum2._tlul_.2.mgr.3.gr.ekkilengurfullngt.i0J݌ Ќ  "i0J"  i0J2#  2  .3  Ԉ0    BtgefandibrUturgegnlgumYessumeWareglumsettumsamkvmtYeim.i0J݌ Ќ    Wurentil_afturkllunar_Ԁskv.3.mgr.kemurskaltgefandaveitturhfilegur_frestur_Ԁtilr r b;ta,sunntaWkomarb;tumviWaWmati_Fjrmlaeftirlitsins_. e= @!27.gr.  @O O AfleiWingar_afturkllunar_.    Xegarleyfitiltgfu_srtryggWra_ԀskuldabrfaerafturkallaWskal_FjrmlaeftirlitiW_ԀkveWa i hvernigbindaskuliendaYstarfsemitgefandasemlgYessitakatil._Fjrmlaeftirlitinu_ \4 ermeWalannarsheimiltaWtilnefnanUjan_vrsluaWila_Ԁ_tryggingasafns_ԀeWa_tryggingasafna_ ' tgefandaoggrpatilYeirra_rWstafana_ԀsemYaWtelurnauWsynlegartilaWtryggjarttindi  Yeirrasemeiga_srtryggW_ԀskuldabrftgefinafYeimsemsvipturhefurveriWleyfi.    28.gr. S+! Btgfanheimildar. " n  Nerugefintskuldabrfsemberasmueinkenniog_srtryggW_Ԁskuldabrfsamkvmt # lgumYessumnYessaWaflaWhafiveriWleyfis_Fjrmlaeftirlitsins_ԀogskalYaWYmlafyrir  $ umaWslkristarfsemiverWiYegarhtt._FjrmlaeftirlitiW_ԀgeturkveWiWmeWhvaWahtti !W% skulibundinnendislkastarfsemi. J""&   SlktgfahefurekkiYaurttarhrifsemmlterfyrirum_VII_.kafla. #' @!29.gr. $ ) @ _Srgreind_Ԁ_tilkynningarskylda_ԀogbannviWtgfu. v%N!*   Efserhefurheimildtiltgfu_srtryggWra_Ԁskuldabrfahyggstgefatskuldabrfsem A&"+ veitakrfuhfumforgangsrtttiltiltekinnaeignatgefandans,meWsambrilegumhttiog  '", umtgfu_srtryggWra_ԀskuldabrfavriaWrWa,skaltgefandi,meWtveggjamnaWafyrir '#- vara,senda_Fjrmlaeftirlitinu_ԀskUrsluumviWkomanditgfuYarsemframkoma_sambri_ԃ (z$. f   "    _legar_ԀupplUsingarogkallaWereftirlgumYessumums;knumleyfitiltgfu_srtryggWra_ ( skuldabrfa.    _Fjrmlaeftirlitinu_ԀerheimiltaWbannaslkatgfuefYaWlturhanastofnahagsmunum  annarra_lnardrottna_Ԁhttu. a @!30.gr.  @ggKostnaWur.    Btgefandi,eWaeftiratvikumumskjandi,skalgreiWakostnaW_Fjrmlaeftirlitsins_ԀviWaf   greiWsluums;knarogtgfuleyfissamkvmtlgumYessumeftirgjaldskrsemsamYykkt  X skalafstj;rn_Fjrmlaeftirlitsins_Ԁogbirt_Stj;rnartWindum_. K #    X.KAFLI     ViWurlg_o.fl_.    31.gr. wO  _Stj;rnvaldssektir_. B    _FjrmlaeftirlitiW_Ԁgeturlagt_stj;rnvaldssektir_ԀhvernYannsembrUturgegn:    ! ! q(#33q"i0J"  i0JG2#  1  .3  Ԉ0    2.mgr.7.gr.umaWtakaekkiskrskuldabrfvanskilum.i0JGt݌  Ќ  "i0J"  i0Jc2#  2  .3  Ԉ0    9.gr.umreglubundiWmat_markaWsvirWi_Ԁ_veWtryggWra_Ԁeigna_tryggingasafni_.i0Jc݌{  Ќ  "i0J"  i0J2#  3  .3  Ԉ0    2.!4.mgr.12.gr.ummeWferW_tryggingasafni_.i0J'݌nF Ќ  "i0J"  i0J.2#  4  .3  Ԉ0    13.gr.umskyldutilaWhaldaskrog_rita_Ԁskuldabrf.i0J.[݌9 Ќ  "i0J"  i0Je2#  5  .3  Ԉ0    1.mgr.23.gr.um_upplUsingaskyldu_.i0Je݌ Ќ  "i0J"  i0J2#  6  .3  Ԉ0    Sttmilli_Fjrmlaeftirlitsins_ԀogaWila,sbr.32.gr.i0J݌ Ќ    SektirsemlagWarerutgefandagetanumiWfr50Ys._kr_.til50_millj_._kr_.ViWkvrWun r sektaskal_m.a._ԀtekiWtillittil_alvarleika_Ԁbrots,hvaWYaWhefurstaWiWlengi,_samstarfsvilja_Ԁhins e= brotlegaaWilaoghvortumtrekaWbroteraWrWa.kvarWanirum_stj;rnvaldssektir_Ԁskulu 0 teknarafstj;rn_Fjrmlaeftirlitsins_ԀogeruYr_aWfararhfar_.Sektirrennarkissj;WaWfr  dregnumkostnaWiviW_innheimtuna_.Su_stj;rnvaldssektir_ԀekkigreiddarinnanmnaWarfr  kvrWun_Fjrmlaeftirlitsins_ԀskalgreiWadrttarvextiaffjrhW_sektarinnar_.UmkvrWun i ogtreikningdrttarvaxtafereftirlgumumvextiog_verWtryggingu_. \4   _Stj;rnvaldssektum_ԀverWurbeitt;hWYvhvortlgbroteruframinafsetningieWagleysi. ' @ & , 32.gr.  @!Sttir. `    HafitgefandigerstbrotlegurviWkvWilagaYessaraeWakvarWanir_Fjrmlaeftirlitsins_ S+! grundvelliYeirraer_Fjrmlaeftirlitinu_Ԁheimilt',aWljkamlinumeWsttmeWsamYykki " _mlsaWila_.Stterbindandifyrir_mlsaWila_ԀYegarhannhefursamYykktogstaWfestefnihennar # meWundirskriftsinni._FjrmlaeftirlitiW_ԀseturnnarireglurumframkvmdkvWisins.  $ @!33.gr. J""& @T T _Frestur_ԀtilaWleggja_stj;rnvaldssektir_. #'   Heimild_Fjrmlaeftirlitsins_ԀtilaWleggja_stj;rnvaldssektir_ԀsamkvmtlgumYessum #( fellurniWurYegarsjreruliWinfrYvaWhttsemilauk. $ )   _Frestur_Ԁskv.1.mgr.rofnarYegar_FjrmlaeftirlitiW_ԀtilkynniraWilaumranns;kn_meintu_ v%N!* broti.Rof_frests_ԀhefurrttarhrifgagnvartllumsemstaWiWhafaaWbroti. A&"+ @!34.gr. '#- @kk_Gildistaka_. (z$.   LgYessiWlastYegar_gildi.#ڴ#_