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LeyfisamkvmtkvWiYessugeturekkiveriWgrundvllur_bsetuleyfis_. wO  0  c.(12.gr.b.)BP,``````cb       @ Dvalarleyfi_Yr;ttaf;lks_.BP,qW``````cb    ݈     HeimilteraWveitatlendingidvalarleyfivegnastarfahanssemYr;ttamaWureWaYjlfari {  hj_Yr;ttaflagi_Ԁinnan0Yr;tta-og_:lympusambands_Ԁ0slands.SkilyrWifyrirveitingu_dvalar nF leyfis_ԀsamkvmtkvWiYessueru_m.a._Ԁeftirfarandi: 9 ! ! (g00"i0J"  i0Ju2g  a  .3  Ԉ0    tlendingurfullngirskilyrWum1.og2.mgr.11.gr.,i0Juv݌ Ќ  "i0J"  i0Jw2g  b  .3  Ԉ0    atvinnuleyfifyrirYr;ttaf;lkhefurveriWveittsamrmiviWlgumatvinnurttindi  tlendinga.i0Jw1w݌r Ќ    DvalarleyfisamkvmtkvWiYessuskalfyrstaskiptieigiveitttillengritmaeneinsrs e= enY;aldreitillengritmaensemnemurgildistmaatvinnuleyfis.HeimilteraWendurnUja 0 YaWumalltaWtvrsennendasuuppfylltskilyrWi1.mgr.    LeyfisamkvmtkvWiYessugeturekkiveriWgrundvllur_bsetuleyfis_.  0  d.(12.gr.c.)\4 @BP,``````cb    Samningar0slandsviWnnurrkiumdvlrkisborgaraYeirrahrlandi. ' BP,zW``````cb      HeimilteraWveita_rkisborgurum_Ԁtiltekinnarkjaaldrinum18til26radvalarleyfihr  landiaWhmarkitileinsrsgrundvellisamningssemslenskstj;rnvldhafagertviW  annaWrkiumdvlrkisborgaraYesshrlandiYeimtilgangiaWkynnasrlandiWogmenn `  inguYess.SkilyrWifyrirveitingu_dvalarleyfis_ԀsamkvmtkvWiYessuer_m.a._ԀaWskilyrWi1. S+! og2.mgr.11.gr.suuppfylltogaW_tlendingnum_ԀhafiekkiWurveriWveittdvalarleyfi " grundvellislkssamningshrlandi. #   LeyfisamkvmtkvWiYessugeturekkiveriWgrundvllur_bsetuleyfis_.  $ 0  e.(12.gr.d.)J""& @X X BP,``````cb    Dvalarleyfivegna_vistrWningar_. #' BP,qW``````cb      HeimilteraWveitatlendingidvalarleyfivegna_vistrWningar_Ԁheimilifjlskylduhr #( landi.SkilyrWifyrirveitingu_dvalarleyfis_ԀsamkvmtkvWiYessueru_m.a._Ԁeftirfarandi: $ ) ! ! (g00"i0J"  i0J2g  a  .3  Ԉ0    tlendingurfullngirskilyrWum1.og2.mgr.11.gr.,i0JI݌v%N!*   "i0J"  i0J;2g  b  .3  Ԉ0    tlendingurerekkiyngrien18raeWaeldrien25ra,i0J;h݌A&"+ Ќ  "i0J"  i0JR2g  c  .3  Ԉ0    &   undirritaWursamningurum_vistrWningu_ԀmilliaWilaliggurfyrirYarsemframkemur_m.a._ ( gildistmisamnings,hlunnindiaWYvervarWarfWioghsnWi,daglegurvinnutmi,  daglegurogvikulegurhvldartmi,rtturtilaWstundanmogkvWiumsjkra-og  slysatryggingar,i0JR݌a Ќ  "i0J"  i0J2g  d  .3  Ԉ0    fWioghsnWitlendingsernendurgjalds,i0J݌T, Ќ  "i0J"  i0J2g  e  .3  Ԉ0    hinn_vistrWni_Ԁhefursrherbergitilafnota,i0J.݌ Ќ  "i0J"  i0J,2g  f  .3  Ԉ0    _vistfjlskylda_ԀbyrgistgreiWslu_heimflutningi_ԀtlendingsaWstarfstmaloknum,efum  eraWrWarWningarsliteWaeftlendingurverWur;vinnufrumlengritmavegnaveik   indaeWaslysa,ogi0J,Y݌ X Ќ  "i0J"  i0JM2g  g  .3  Ԉ0    _vistfjlskylda_ԀtryggiraWhinn_vistrWni_Ԁfi_ngjanlegan_Ԁtmatil_slenskunms_ԀogtilaW K #  getasinnteiginhugamlum.i0JMz݌   Ќ    D' (valarleyfisamkvmtkvWiYessuskaleigiveitttillengritmaeneinsrsenY;aldrei    tillengritmaensemnemurrWningartmanumsamkvmtsamningium_vistrWningu_.   :heimilteraWendurnUjaleyfisamkvmtkvWiYessu.Jafnframter;heimiltaWveita_t wO  lendingnum_ԀdvalarleyfisamkvmtkvWi12.gr.!12.gr.cfyrrenaWlokinnitveggjara B  samfelldridvlerlendisfrlokumgildistma_leyfisins_.      VerWislit_vistrWningu_ԀWuren_vistrWningartma_ԀsamkvmtsamningiaWilaerlokiW   skulubWihinn_vistrWni_Ԁog_vistfjlskyldan_ԀtilkynnaYaWtilYessaWilasemhafWimilligngu {  umrWningunaogtil_Btlendingastofnunar_.Hinum_vistrWna_ԀerheimiltaWflytjasttilnUrrar nF _vistfjlskyldu_.SamanlagWurdvalartmihj_vistfjlskyldum_Ԁskalekkiveralengrieneittr. 9   BtlendingisemdvelurhrlandisamkvmtkvWiYessuerekkiheimiltaWvinnaal  mennstrfutanheimilisins_dvalartma_.    LeyfisamkvmtkvWiYessugeturekkiveriWgrundvllur_bsetuleyfis_. r   _Btlendingastofnun_ԀskalgefatnauWsynlegeyWublWvegnasamningaum_vistrWningu_. e= EinnigkveWurstofnunin_lgmarksfjrhW_Ԁvasapeningafyrirhinn_vistrWna_._Btlendinga 0 stofnun_ԀerheimiltaWfelastofnuneWafyrirtkiallamillignguogeftirlitmeW_vistrWningum_.  D;msmlarWherraseturnnarireglurumdvlsamkvmtkvWiYessu,YarmeWalum  skilyrWisemtlendingurogviWkomandifjlskyldaYurfaaWuppfyllavegna_dvalarinnar_Ԁog i umkjrvistrWinna. \4   f.(12.gr.e.)  @ BP,``````cb    Dvalarleyfivegnanms.  BP,iog``````cb      HeimilteraWveitatlendingisemtlaraWstundafulltnmhrlandidvalarleyfienda `  fullngihannYeimkrfumsemgerWareruviWkomandinmiumundirbning,YarmeWal S+! tungumlakunnttu.SkilyrWifyrirveitingu_dvalarleyfis_ԀsamkvmtkvWiYessueru_m.a._ " eftirfarandi: # ! ! (g00"i0J"  i0J2g  a  .3  Ԉ0    tlendingurfullngirskilyrWum1.og2.mgr.11.gr.,ogi0J@݌ $ Ќ  "i0J"  i0J+2g  b  .3  Ԉ0    stundarfulltnmhrlandisamkvmtvottorWifrhlutaWeigandisk;la.i0J+X݌!W% Ќ    Fulltnmtelstvera100%samfelltnmhsk;lastigi,iWnnmeWaYaWnmannaWsem J""& gerirsambrilegarkrfurtilundirbningsmenntunarognmhsk;lastigi.Einstknm #' skeiWteljastekkitilnms. #(   HeimilteraWveitaerlendum_skiptinemum_ԀdvalarleyfisamkvmtkvWiYessukomiYeir $ ) tillandsinsvegumviWurkenndra_skiptinemasamtaka_. v%N!*   DvalarleyfisamkvmtkvWiYessuskalaWjafnaWiekkiveitttillengritmaensexmn A&"+  aWasenn.HeimilteraWendurnUjadvalarleyfisamkvmtkvWiYessunmstmaeft  '", lendingur&   fullngirframskilyrWum1.og2.mgr.oggetursUntframviWunandinms ( rangur.NmsrangurtelstviWunandihafitlendingurlokiW_a.m.k._Ԁ75%affullunmi.ViW  fyrstuendurnUjun_dvalarleyfis_ԀtelstnmsrangurviWunandihafitlendingurlokiW_a.m.k._Ԁ50%  affullunmi. a '(  LeyfisamkvmtkvWiYessugeturekkiveriWgrundvllur_bsetuleyfis_. T,     g.&  Ԁ(12.gr.f.)  @X X Dvalarleyfigrundvelli_mannWarsj;narmiWa_.     HeimilteraWveitatlendingidvalarleyfi,Y;ttekkisfullngtllumskilyrWum11.gr.,  X efrkmannWarsj;narmiWstandatilYess#``J<#eWavegnasrstakratengslahansviWlandiW``. K #  'W  DvalarleyfisamkvmtkvWiYessuskaleigiveitttillengritmaeneinsrs.Heimilter    aWendurnUjadvalarleyfisamkvmtkvWiYessualltaWtvrsennendahafiforsendur    fyrirveitingu_leyfisins_Ԁupphafiekkibreyst.     LeyfisamkvmtkvWiYessugeturveriWgrundvllur_bsetuleyfis_. wO      h.(12.gr.g.)    @ BP,``````cb    _BrWabirgWadvalarleyfi_.   BP,legu``````cb      Heimilter,aWbeiWnitlendingssems;tthefurumhli,aWveitahonum_brWabirgWa {  dvalarleyfi_ԀYartilkvrWunhefurveriWtekinum_hlisums;knina_.Einnigerheimilt,aW nF beiWnitlendingssemhefurfengiWendanlegasynjunumhlieWadvalarleyfisemkemurekki 9 tilframkvmdaaWsvostddu,aWveitahonum_brWabirgWadvalarleyfi_ԀYartilsynjuninkemur  tilframkvmda.SkilyrWifyrirveitingu_dvalarleyfis_ԀsamkvmtkvWiYessueru_m.a._Ԁeftir  farandi: r ! ! (g00"i0J"  i0J2g  a  .3  Ԉ0    aWtekinhafiveriW_hlisskUrsla_Ԁafumskjanda,i0JI݌e= Ќ  "i0J"  i0JP2g  b  .3  Ԉ0    aWekkileikivafiYvhverumskjandier,i0JP}݌0 Ќ  "i0J"  i0J^2g  c  .3  Ԉ0    aWekkiliggifyrirstWursemgetaleitttil_brottvsunar_Ԁumskjanda,i0J^݌ Ќ  "i0J"  i0J2g  d  .3  Ԉ0    aWekkiliggifyrirbeiWniumaWannaWrkitakiviWhonumnU,sbr.e-liW1.mgr.46.gr.,i0Jճ݌ Ќ  "i0J"  i0J2g  e  .3  Ԉ0    aWtlendingurhafiveittupplUsingarogatbeinasinntilaWaWstoWaviWrlausnmls.i0J#݌i Ќ    HeimilteraWvkjafrskilyrWum1.mgr.Yegarsrstaklegastendur. \4   DvalarleyfisamkvmtkvWiYessuskalaWjafnaWieigiveitttillengritmaensex ' mnaWa.HeimilteraWendurnUjadvalarleyfisamkvmtkvWiYessualltaWeittrsam  kvmtkvrWun_Btlendingastofnunar_.    kvWi_IV_.,V.og_VII_.kafla_stj;rnsUslulaga_Ԁum_andmlartt_,umbirtingukvrWunar, `  rkstuWning_o.fl_.ogum_stj;rnsUslukru_,ogviWeigandikvWiV.kaflalagaYessara,gilda S+! ekkiumkvrWunum_brWabirgWadvalarleyfi_._BrWabirgWadvalarleyfi_Ԁhefurekkinnur " rttarhrifenYausemsrstaklegaergetiWlgumeWareglugerW. #   LeyfisamkvmtkvWiYessugeturekkiveriWgrundvllur_bsetuleyfis_.  $   @!11.gr. J""&   13.gr.lagannaorWastsvosamtfyrirsgn: #' @ BP,``````cb    DvalarleyfifyriraWstandendur. #( BP,``````cb      NnustuaWstandendurslensksrkisborgaraeWaannarsnorrnsrkisborgarasembsettur $ ) erhrlandieWatlendingssemdvelsthrlandigrundvelli_dvalarleyfis_Ԁskv.12.gr.,12. v%N!* gr.bog12.gr.feWagrundvelli_bsetuleyfis_Ԁgetasamkvmtums;knfengiWdvalarleyfi, A&"+ endaliggiekkifyriratviksemgreinird-liW1.mgr.11.gr.,aukYesssemframfrsla,_sjkra  '", trygging_ԀoghsnWiskalveratryggt,sbr.a-liW1.mgr.11.gr.SamagildirumnnustuaW '#- standendurYeirrasemstundadoktorsnmhrlandigrundvelli12.gr.e. (z$. & ,   NnustuaWstandendurskilningi1.mgr.erumaki,_sambWarmaki_Ԁog_samvistarmaki_,brn ( viWkomandiyngrien18rahansframfrioghansforsj,_ttmenni_ԀhanseWamakabein  anleggeldrien66raogYeirraframfri.  ',(  NerrkstuddurgrunurumaWtilhjskapar,_staWfestrar_Ԁ_samvistar_ԀeWasambWarhafiveriW a stofnaWYeimtilgangieinumaWafla_dvalarleyfis_,ogekkiersUntframannaWmeW;yggj T, andihtti,ogveitirYaWYekkirtttil_dvalarleyfis_.Samagildirefrkstuddurgrunurerum  aWekkihafiveriWstofnaWtilhjskapareWa_staWfestrar_Ԁ_samvistar_ԀmeWviljabeggjahj;naeWa  efstofnunhjskapareWa_staWfestrar_Ԁ_samvistar_ԀbrUturbgaviW_allsherjarreglu_Ԁogmegin   reglurslenskralaga.Efannarmakinner24raeWayngriskalvalltkannahvortmlsatvik  X erumeWYeimhttisemumgetur1.og2._mlsl_. K #    DvalarleyfisamkvmtkvWiYessuverWurekkiveittefnnastiaWstandandiumskjanda    hefursWustufimmrumhlotiWd;meWaveriWltinnsta_ryggisrWstfunum_Ԁfyrirbrot    kvWum_XXI_.!_XXIV_.kaflaalmennrahegningarlaga,nemasynjunumdvalarleyfimundi   felasr_;sanngjarna_ԀrWstfungagnvarthonumeWannustuttingjumhans.#``#_Btlendinga wO  stofnun_ԀerheimiltaWafla_sakavottorWs_ԀaWstandandaYvskyniaWmetahvortums;knarskuli B  synjaWgrundvelliYessakvWis.``    #``#  DvalarleyfisamkvmtkvWiYessuskalfyrstaskiptieigiveitttillengritmaeneinsrs.   DvalarleyfiaWstandandatlendings,semdvelsthrlandigrundvellidvalar-eWa_bsetu {  leyfis_,geturY;aldreigiltlengurenleyfiYesssWarnefnda.HeimilteraWendurnUjadvalar nF leyfigrundvelliYessakvWissamkvmtums;knefskilyrWiYesseruennuppfyllt.Xer 9 heimiltaWendurnUjadvalarleyfitlendingssemdvaliWhefurhrlandigrundvellikvW  isinsframaW18raaldrienmissirrtttildvalargrundvelliYessviW18raaldur,endasu  skilyrWi1.mgr.11.gr.uppfylltoghannstundarannaWhvortnmeWastrfhrlandi. r   Efhjskap,staWfestrisamvisteWasambWerslitiWvegnaYessaWtlendingureWabarn e= hanshefursttmisnotkuneWaofbeldisambandinuer,Yegarsrstaklegastendurogrkar 0 _sanngirnisstWur_ԀmlameW,jafnframtheimiltaWendurnUjadvalarleyfisamkvmtkvWi  YessuYrttfyrirbreyttarforsendurdvalarhrlandiaWuppfylltumskilyrWum1.mgr.11.gr.  SkalY_m.a._ԀlitiWtillengdarhjskapar,_staWfestrar_Ԁ_samvistar_ԀeWasambWarogtengslatlend i ingsviWlandiW.`` \4   #``#DvalarleyfisemaWstandandifrsamkvmtYessukvWigeturveriWgrundvllur_bsetu ' leyfis_Ԁnema_tlendingurinn_ԀsemhannleiWirrttsinnafhafidvalarleyfisemskaparekkislkan  grundvll.``  @!12.gr. S+!   14.gr.lagannaorWastsvosamtfyrirsgn: " @x x BP,``````cb    EndurnUjun_dvalarleyfis_. # BP,``````cb      EndurnUjamdvalarleyfitlendingsaWfenginniums;knefskilyrWum_leyfisins_Ԁerfram  $ fullngt.#``*#EfsrstaklegastendurerY;heimiltaWvkjafrskilyrWiumtryggaframfrslu !W% skv.a-liW1.mgr.11.gr.hafiframfrslaveriW;tryggumskammahrWvegnaatvinnuleysis, J""& slysseWaveikindaogrkar_sanngirnisstWur_ԀmlameWYv.`` #'   Btlendingursem;skareftirendurnUjun_dvalarleyfis_ԀskalskjaumhanaeigisWaren #( fj;rumvikumWurendvalarleyfifellurrgildi.Ss;ttumendurnUjuninnan_tilskilins_Ԁ_frests_ $ ) ertlendingiheimiltaWdveljasthrlandiYartilkvrWunhefurveriWtekinumums;kn v%N!* hans.AWWrumkostiskaltlendingurhverfarlandiWurenleyfihansrennurt. A&"+   _Btlendingastofnun_ԀgeturundantekningartilvikumheimilaWtlendingiframhaldandidvl  '",  YartilkvrWunhefurveriWtekinumums;knumendurnUjunleyfissemboristhefureftir '#- Yann&   frestsemumgetur2.mgr.efafsakanlegteraWums;knhafiekkiveriWskilaWfyrreWa ( rkar_sanngirnisstWur_Ԁ_mla_ԀmeWYv.'(q    _Btlendingastofnun_ԀtekurkvrWunumaWfelladvalarleyfiniWurYegar_leyfishafi_Ԁhefur  dvalisterlendissamfelltlengurenYrjmnuWi.XegarlgheimilitlendingshefurveriWskrW a erlendisYrjmnuWifellur_dvalarleyfiW_ԀsjlfkrafaniWur.X;ttdvalarleyfifalliniWurkemur T, YaWekkivegfyriraWtlendingurgetis;ttumendurnUjunsamkvmtkvWiYessuefYaW  ergertinnan_upphaflegs_Ԁgildistma_dvalarleyfisins_Ԁog_sanngirnisstWur_ԀmlameWYv.  @!& , 13.gr.  X   15.gr.lagannaorWastsvosamtfyrirsgn:BP,``````cb     K #  @QQ_Bsetuleyfi_.    BP,\``````cb      HeimilteraWveitatlendingi_bsetule', yfi_ԀhafihanndvaliWhrlandisamfelltsWustu    fjgurrsamkvmtdvalarleyfisemgeturveriWgrundvllur_bsetuleyfis_.SkilyrWifyrirveit   ingu_bsetuleyfis_Ԁeru_m.a._Ԁeftirfarandi: wO  ! ! (g00"i0J"  i0J2g  a  .3  Ԉ0    Btlendingurhefurs;ttnmskeiWslenskufyrirtlendinga.i0J݌B  Ќ  "i0J"  i0J2g  b  .3  Ԉ0    EkkiliggjafyrirstWursemvaldiWgetaYvaWhonumverWivsaWrlandi,sbr.1.mgr.    20.gr.i0J݌  Ќ  "i0J"  i0J2g  c  .3  Ԉ0    Btlendingur&  sUnirframaWframfrslahanshafiveriWtrygg_dvalartma_ԀhansogaW {  hannhafigetaWoggetiframfleyttsrhrlendismeWlglegumhtti._Btlendingastofnun_ nF er_m.a._ԀheimiltaWafla_skattframtala_Ԁoggagnafr_skattyfirvldum_ԀYvtilstaWfestingar. 9 GreiWsluralmannatrygginga,atvinnuleysisbtureWagreiWslurformiflagslegraraW  stoWarrkiseWasveitarflagsteljastekkitil_tryggrar_ԀframfrslusamkvmtYessu  kvWi.HeimilteraWvkjafrYessuskilyrWiefframfrslahefurveriW;tryggum r skammahrWogrkar_sanngirnisstWur_ԀmlameWYv.i0J>݌e= Ќ  "i0J"  i0J2g  d  .3  Ԉ0    BtlendingurhefurhaftdvalarleyfisamagrundvellisWustufjgurrWurenums;kn 0 um_bsetuleyfi_ԀerlgWframogskilyrWiYessleyfiseruennuppfyllt.i0J݌ Ќ  "i0J"  i0J2g  e  .3  Ԉ0    Btlendingureigiekki;lokiWmli_refsivrslukerfinu_ԀYarsemhannergrunaWureWa  sakaWurumrefsiverWahttsemi.i0J݌i Ќ   (g00'   _Bsetuleyfi_Ԁfelursrrtttil_;tmabundinnar_Ԁdvalarhrlandi. \4   HeimilteraWveitabarnisemfWisteftiraW_forsjrforeldri_Ԁkemurtillandsins_bsetuleyfi_ ' endahafiforeldriW_bsetuleyfi_Ԁhrlandi.    _Btlendingastofnun_ԀtekurkvrWunum_bsetuleyfi_.Btlendingursem;skareftir_bsetuleyfi_  skalskjaumleyfiWtil_Btlendingastofnunar_ԀeigisWarenfj;rumvikumWurendvalarleyfi `  fellurrgildi.HonumerheimiltaWdveljasthrlandiYartilkvrWunhefurveriWtekinum S+! ums;knhans,endahafiums;kninborist_Btlendingastofnun_Ԁinnan_tilskilins_Ԁ_frests_.kvWi " 2.og3.mgr.14.gr.eigaviWumums;knirsemsWarberast. #   _Btlendingastofnun_ԀtekurkvrWunumaWfella_bsetuleyfi_ԀniWurYegar_leyfishafi_Ԁhefur  $ dvalisterlendissamfelltlenguren18mnuWi.XegarlgheimilitlendingshefurveriWskrW !W% erlendis18mnuWifellur_bsetuleyfiW_ԀsjlfkrafaniWur.AWfenginniums;knmheimila J""& tlendingilengridvlerlendisnYessaW_bsetuleyfiW_Ԁfallirgildi. #'   _Btlendingastofnun_ԀgefurtskrteinitilstaWfestingarveitingu_bsetuleyfis_.Skrteinier #( gefiWtnafn_tlendingsins_Ԁsemerhandhafi_leyfisins_.kvWi10.gr.aeigaviWumtgfu $ ) skrteinistilstaWfestingar_bsetuleyfi_. v%N!*   D;msmlarWherraseturnnarireglurum_bsetuleyfi_,YarmeWalumlengridvlerlendis A&"+ skv.5.mgr.ogumnmskeiWslenskufyrirtlendingaskv.1.mgr.XarskalkveWiWum  '", lengdnmskeiWs,_lgmarkstmas;kn_ԀogvottorWtilstaWfestingarYtttku.Einnigerheimilt '#- aWkveWaYarumundanYgufrYtttkunmskeiWifyrirtlendingasemnWhafaviW (z$. hltandiYekkinguslenskuogumpr;fYvtilstaWfestingar.XerreglugerWinniheimiltaW ( kveWaumgjaldvegnaYtttkunmskeiWieWapr;fi.  @!&  14.gr. a   ViW16.gr.lagannabtistnUmlsgreinsemorWastsvo: T,   Eftir_afturkllun_Ԁleyfisgrundvelli_rangra_ԀupplUsingaeWaYessaWleyntvaratvikumsem  verulegaYUWingugtuhaftviWtgfuleyfisskalrttarstaWa_tlendingsins_Ԁsamkvmtlgum  YessumverasemhannhefWialdreifengiW'yԀ_tgefiW_Ԁleyfi.   @!15.gr. K #    ViW3.mgr.20.gr.lagannabtistnUr_mlsliWur_ԀsemorWastsvo:D;msmlarWherrasetur    nnarireglurum_endurkomubann_.    @!16.gr. wO    ViW23.gr.lagannabtasttvrnUjarmlsgreinarsemorWastsvo: B    _Btlendingastofnun_ԀerheimiltaWfengnusamYykkid;msmlarWherraaWveitaums;knum    skv.12.gr.,12.gr.aog12.gr.e_forgangsafgreiWslu_.     &  _Btlendingastofnun_ԀerheimiltaWveitaums;knumskv.12.gr.og12.gr.a_hraWafgreiWslu_ {  grundvelliyfirlUsingaratvinnurekanda'semfengiWhefurviWurkenningu_Btlendingastofn nF unar_.AtvinnurekandiskallUsaYvyfiraWllskilyrWi_dvalarleyfis_ԀsuuppfylltogaWhann 9 muniskilainnfullngjandiggnumfyrirhndtlendings.D;msmlarWherragetursettregl  urumbeitinguYessararheimildar,YarmeWalumYauskilyrWisematvinnurekendurYurfa  aWuppfyllatilaWhlj;taviWurkenningu. r @!17.gr. 0   1.mgr.26.gr.lagannaorWastsvo:    Stj;rnvldumsemfarameWmlefnitlendingaerheimiltaWltaerlendumstj;rnvldum  tupplUsingarum_tlending_ԀvegnameWferWarmliervarWarvegabrfsritun,dvalarleyfi i eWahliaWYvmarkisemnauWsynlegtervegnasamningasem0slandhefurgertumviWmiW \4 anirogfyrirkomulagviWaWkvarWahvaWarkiskulifarameWbeiWniumhlisemlgWer ' fram0slandieWaeinhverju_samningsrkjanna_.  @!18.gr. `    7.mgr.29.gr.lagannaorWastsvo: S+!   #``#EftlendingurneitaraWgefaupphverhanner,rkstuddurgrunurerumaWtlendingur " gefirangarupplUsingarumhverhannereWahannsUnirafsrhegWunsemgefurtilkynnaaW # afhonumstafihttaerheimiltaWhandtaka_tlendinginn_ԀogrskurWa_gsluvarWhald_Ԁsam  $ kvmtreglumlagaummeWferWopinberramla,eftirYvsemviW.Einniggeturlgregla !W% lagtfyrirhannaWtilkynnasigeWahaldasigkveWnuafmrkuWusvWi.`` J""& @!19.gr. #(   #``\ #0staWorWanna?5.mgr.6.gr. 1.mgr.30.gr.lagannakemur:8.mgr.6.gr.`` $ ) @!20.gr. A&"+   0staWorWanna?3.mgr.14.gr. 1.og2.mgr.31.gr.lagannakemur:2.mgr.14.gr.  '",   '#- & a  @!21.gr. (   3.og4.mgr.33.gr.lagannaorWastsvo:  'a(W   TilaWtryggjaaWkvrWunskv.1.mgr.verWiframkvmdogYeimtilvikumsemt  lendingursUnirafsrhegWunsemgefurtilkynnaaWafhonumstafihttageturlgreglalagt a fyrir_tlendinginn_ԀaW: T, "i0J"  i0JG2g  a  .3  Ԉ0    & a tilkynnasig,i0JGt݌ Ќ  "i0J"  i0J<2g  b  .3  Ԉ0    afhendavegabrfeWaannaW_kennivottorW_,sbr.5.gr.,ogi0J<i݌ Ќ  "i0J"  'ai0Jz2g  c  .3  Ԉ0    haldasigkveWnuafmrkuWusvWi.i0Jz݌  Ќ   (g00  Fyrirmlisemgreinir3.mgr.mYvaWeinsgefaaWstWastilaWtlaaWtlendingur  X munikomasrundanframkvmdkvrWunarskv.1.mgr.eWaYeimtilvikumsemtlend K #  ingursUnirafsrhegWunsemgefurtilkynnaaWafhonumstafihttafyrirsamflagiW.ViW    matYvhvortstWastilaWtlaaWtlendingurmunikomasrundanframkvmd    kvrWunarskv.1.mgr.mtakatillittilalmennrarreynsluafundankomu.Fyrirmlingilda   ekkilengurenfj;rarvikurnema_tlendingurinn_ԀsamYykkiYaWeWad;marikveWisam wO  kvmtreglumummeWferWopinberramla. B  @!&  22.gr.     EftirfarandibreytingarverWa34.gr.laganna: {   6(Eh80"i0J"  i0Jr2Eh  a  .3  Ԉ0    0staWorWanna,,6.mgr.29.gr. 1.mgr.kemur:7.mgr.29.gr.i0Jr݌nF Ќ  "i0J"  i0J2Eh  b  .3  Ԉ0    0staWorWanna,,2.mgr.43.gr. 2.mgr.kemur:2.mgr.42.gr.i0J݌9 Ќ  "i0J"  i0J2Eh  c  .3  Ԉ0    0staWorWanna?2.mgr.11.gr. 2.mgr.kemur:12.gr.f.i0J݌ Ќ  's  @!&  23.gr. r   35.gr.lagannaorWastsvosamtfyrirsgn: e= @BP,``````cb    Komaogdvl.BP,ni``````cb    ݈ 0   Btlendingur,semfellurundirreglur_EES_-samningsins(_EES_-tlendingur)eWa_stofnsamn  ings_Ԁ_EFTA_Ԁ(_EFTA_-tlendingur),mkoma'ԀtillandsinsnsrstaksleyfisogdveljasteWastarfa  hrlandialltaWYrjmnuWifrkomuhanstillandsins,eWaalltaWsexmnuWiefhanner i atvinnuleit.DvlWrunorrnulandiskalekkidragafr_dvalartmanum_. \4   Btlendingur,semhvorkierrkisborgari_EES_-eWa_EFTA_-rkisnaWstandandislksborg ' ara,mkomatillandsinsnsrstaksleyfistilaWveitaYj;nustualltaW90_starfsdaga_Ԁ  almanaksrishannsannanlegastarfsmaWur_Yj;nustuveitanda_ԀEvr;pska_efnahagssvWinu_  eWa_EFTA_-rki. `    _EES_-eWa_EFTA_-tlendingi,semdvelsteWastarfarhrlandilengurengreinir1.mgr., S+! beraWskrsigogskalhannuppfyllaskilyrWi36.gr. " @!24.gr.  $   36.gr.lagannaorWastsvosamtfyrirsgn: !W% @BP,``````cb    Rtturtildvalar. J""& BP,#ni``````cb      _EES_-eWa_EFTA_-tlendingur,Y;ekkitlendingursemgreinir2.mgr.35.gr.,rtttil #' dvalarhrlandilengurenYrjmnuWiefhannfullngir_eftirgreindum_ԀskilyrWum: #(  6(Eh886"i0J"  i0J-'2Eh  a  .3  Ԉ0    erlaunYegisemfellurundirlgumfrjlsanatvinnu-og_bseturtt_Ԁlaunaf;lksinnanEvr $ ) ;pska_efnahagssvWisins_,sbr.2._tlul_.V.viWaukaviW_EES_-samninginn,i0J-'Z'݌v%N!* Ќ  "i0J"  i0JO)2Eh  b  .3  Ԉ0    tlaraWstundasjlfstWaatvinnustarfsemihrlandieWaveitaeWanj;tahrYj;nustu,i0JO)|)݌A&"+ Ќ  "i0J"  i0J*2Eh  c  .3  Ԉ0    YiggurngilegarfastarreglubundnargreiWslureWangilegteigiWfogfellurundir  '",  _sjkratryggingu_ԀsembyrgistallahttumeWandvlhanshrlandivarir,eWai0J**݌'#- Ќ  "i0J"  i0Jk,2Eh  d  .3  Ԉ0    & ,  erinnritaWurhjviWurkenndri_nmsstofnun_ԀmeWYaWaW_meginmarkmiWi_ԀaWWlastYar ( menntuneWastarfsYjlfun,fellurundir_sjkratryggingu_ԀsembyrgistallahttumeWan  dvlhanshrlandivariroggetursUntframtryggaframfrslu.i0Jk,,݌ Ќ   6(Eh886&  Kre',(-fjam_EES_-eWa_EFTA_-tlendingumaW_framvsa_Ԁfullngjandi_ferWaskilrkjum_Ԁog a ggnumsemstaWfestaaWhannuppfylliskilyrWi1.mgr. T,   D;msmlarWherragetursettnnarireglurumrtt_EES_-og_EFTA_-tlendingatildvalar  hrlandi,YarmeWalumskrningurttartildvalarogumggnskv.2.mgr.  @!25.gr.  X   37.gr.lagannaorWastsvosamtfyrirsgn: K #  @QQBP,``````cb    DvlaWstandenda.    BP,2#``````cb      AWstandandi_EES_-eWa_EFTA_-tlendingssemdvelurlglegahrlandirtttilaWdvelja    meWhonumhrlendis.     _Eftirgreindir_ԀteljasttilaWstandendatlendingssemfellurundir1.mgr.36.gr.: wO  a.  maki,_sambWarmaki_ԀeWa_samvistarmaki_, B  b.0  niWjitlendings,semdvelurhrlandiskv.1.mgr.36.gr.,og/eWamakahans,ef_niWjinn_    eryngrien21rseWaframfriviWkomandi,  c.0  _ttmenni_Ԁtlendings,semdvelurhrlandiskv.1.mgr.36.gr.,eWamakahans,beinan {  leggogframfriviWkomandi.nF  (g086  AWstandanda_EES_-eWa_EFTA_-tlendings,semhyggstdveljameWhonumhrlandi 9 lengurengreinir1.mgr.35.gr.ogersjlfur_EES_-eWa_EFTA_-tlendingur,beraWskrsig  hrlandi,sbr.3.mgr.35.gr.    AWstandandasemerekki_EES_-eWa_EFTA_-tlendingurberaWskjaum_dvalarskrteini_ r innanYriggjamnaWafrkomutillandsins. e=   D;msmlarWherraseturnnarireglurumdvlaWstandenda_EES_-eWa_EFTA_Ԅtlendings, 0 YarmeWalumskilyrWifyrirdvlYeirrahrlandi.  @!26.gr. i   39.gr.lagannaorWastsvosamtfyrirsgn: \4 @A A BP,``````cb    Rtturtil_;tmabundinnar_Ԁdvalar. ' BP,1=#``````cb      _EES_-eWa_EFTA_-tlendingur,semdvaliWhefurlglegahrlandisamfelltfimmrskv.  1.mgr.36.gr.,rtttil_;tmabundinnar_Ԁdvalarhrlandi.SamagildirumaWstandendurhans  semhafadvaliWlglegameWhonumhrlandifimmr. `    DvlerlendisskemmritmaensamtalssexmnuWiri,dvlerlendisvegnaherYj;nustu S+! eWadvleittskiptiaWhmarkieittrvegnameWgngu,fWingar,_alvarlegs_Ԁsjkd;ms, " nmseWa_starfsYjlfunar_Ԁtelstekkirofsamfelldridvlskv.1.mgr. # Ѐ  Rtturtil_;tmabundinnar_ԀdvalarfellurniWurefsamfellddvlerlendisvarirlenguren  $ tvr. !W%   Samkvmtums;knogaWuppfylltumskilyrWum#``M #skalgefintstaWfesting``Ԁrttitil_;tma J""& bundinnar_Ԁdvalar. #'   D;msmlarWherraseturnnarireglurumskilyrWifyrir_;tmabundinni_Ԁdvl_EES_-eWa #( _EFTA_-tlendingsogaWstandendahanshrlandi,svoogumundanYgurfrYeim. $ )   v%N!* &     @!27.gr. (   40.gr.lagannaorWastsvosamtfyrirsgn:  @ BP,``````cb    Brottfall_dvalarrttar_.BP,'F#``````cb    ݈    RtturtildvalarsamkvmtkvWumYessakaflafellurniWureftlendingurhefurvs a vitandiveittrangarupplUsingar,efum_mlamyndagerninga_ԀaWhtti3.mgr.13.gr.eraW T, '(lErWaeWadvlWrumtilgangienYeimsemsamrmist1.mgr.36.gr.SamaviWefumaWra  misnotkuneraWrWa.    &  Rtturtildvalarhrlandiskv.a-eWab-liW1.mgr.36.gr.fellurekkiniWurvegnatma   bundinna' IԀveikinda,slysseWaYessaW_EES_-eWa_EFTA_-tlendingureratvinnulausgegnvilja  X snumeftiraWhafastarfaWhrlandimeiraeneittr.D;msmlarWherraseturnnarireglur K #  umtakmarkanirbrottfalli_dvalarrttar_.      _Btlendingastofnun_ԀtekurkvrWunumhvortrtturtildvalarsamkvmtkvWumYessa    kaflafellurniWur.   @!28.gr. B    41.gr.lagannaorWastsvosamtfyrirsgn:    @ BP,``````cb    Frvsun.BP,AM#``````cb    ݈     HeimilteraWvsa_EES_-eWa_EFTA_-tlendingifrlandiviWkomutillandsinseWaalltaW {  sjs;larhringumeftirkomuef: nF "i0J"  i0JO2g  a  .3  Ԉ0    hannfullngirekkireglumsemsettareruum_ferWaskilrki_ԀeWakomutillandsins,i0JOO݌9 Ќ  "i0J"  i0J Q2g  b  .3  Ԉ0    honumhefurveriWvsaWrlandiog_endurkomubann_Ԁerenngildioghonumhefurekki  veriWveittheimildtilaWkomatillandsins,i0J Q9Q݌ Ќ  "i0J"  i0JR2g  c  .3  Ԉ0    umeraWrWahttsemisemgreinir1.mgr.42.gr.,eWai0JRR݌r Ќ  "i0J"  i0JS2g  d  .3  Ԉ0    &  YaWernauWsynlegtvegnaryggisrkisins,krefjandi_Yj;Warhagsmuna_ԀeWa_almannaheil e= brigWis_.'eaTi0JSS݌0 Ќ    Lgreglustj;ritekurkvrWunumfrvsunskv.a-ogb-liW1.mgr.,en_Btlendingastofnun_  skv.c-ogd-liW.NgilegteraWmeWferWmlshefjistinnansjs;larhringa_frestsins_.    EfmeWferWmlsskv.1.mgr.hefurekkihafistinnansjs;larhringamvsa_EES_-eWa i _EFTA_-tlendingifrlandimeWkvrWun_Btlendingastofnunar_ԀsamkvmtkvWumb-,c- \4 ogd-liWarinnanYriggjamnaWafrkomutillandsins. ' @!29.gr.    42.gr.lagannaorWastsvosamtfyrirsgn: `  @kkBP,``````cb    Brottvsun. S+! BP,Yanna``````cb      HeimilteraWvsa_EES_-eWa_EFTA_-tlendingi,eWaaWstandandahans,rlandiefYaWer " nauWsynlegtmeWskrskotuntil_allsherjarreglu_ԀeWa_almannaryggis_. #   Brottvsunskv.1.mgr.mframkvmaef_tlendingurinn_ԀsUnirafsreWatlamaWum  $ saWrWa_pers;nubundna_Ԁhttsemisemfelursrraunverulegaogngilegaalvarlega;gn !W% gagnvart_grundvallarYj;Wflagssj;narmiWum_.Ef_tlendingurinn_ԀhefurveriWdmdurtil J""& refsingareWasrstakarrWstafanir_kvarWaWar_ԀmbrottvsunafYessaristWuYvaWeinsfara #' framaWumsaWrWahttsemisemgeturgefiWtilkynnaaW_tlendingurinn_Ԁmunifremja #( refsivertbrotnU. $ )   EinnigerheimiltaWvsa_EES_-eWa_EFTA_-tlendingirlandiefhannfullngirekkiskil v%N!* yrWumumdvlskv.36.!38.gr. A&"+   BrottvsunfelursrbannviWkomutillandsinssWar._EndurkomubanniW_ԀgildiraWjafnaWi  '", ekkiskemurentvr.Samkvmtums;knmfella_endurkomubanniW_ԀrgildiefnUjar '#- aWstWurmlameWYv.D;msmlarWherraseturnnarireglurum_endurkomubann_. (z$.   _Btlendingastofnun_ԀtekurkvrWunumbrottvsun,svoogumheimildtlendingssemvsaW ( hefurveriWrlanditilendurkomu.    @!& , 30.gr. a   43.gr.lagannaorWastsvosamtfyrirsgn: T, @l l Takmarkanirheimildtil_brottvsunar_.    BrottvsunskalekkikveWaefYaWmeW', chliWsj;naf_mlsatvikum_Ԁogtengslum_tlendings  ins_ԀviWlandiWmundifelasr_;sanngjarna_ԀrWstfungagnvarthonumeWannustuttingjum   hans.ViWmatiWskal_m.a._ԀtakamiWaflengddvalar0slandi,aldri,heilsufari,fjlskyldu-og  X _fjrhagsaWstWum_ԀogtengslumviWkomandiviWheimaland. K #    EkkierheimiltaWvsabrott_EES_-eWa_EFTA_-tlendingi,eWaaWstandandahans,semhefur    varanlegabsetuhrlandi,sbr.39.gr.,nemaalvarlegarstWurervarWa_allsherjarreglu_ԀeWa    _almannaryggi_ԀkrefjistYess.     Hafi_EES_-eWa_EFTA_-tlendingurdvaliWlglegahrlandilengurenturverWastW wO  ur_brottvsunar_Ԁskv.42.gr.aWverabrUnar.Samagildirum_;lgrWa_Ԁ_EES_-eWa_EFTA_Ԅtlend B  ing,nemaannaWverWitaliWnauWsynlegtvegnahagsmunahans.    @!31.gr. {    0staWorWanna?2.mgr.11.gr. 2.mgr.45.gr.lagannakemur:12.gr.f. nF   @!& , 32.gr.    EftirfarandibreytingarverWa46.gr.laganna:  a.0  E-liWur1.mgr.orWastsvo:krefjamannaWrki,semtekurYttsamstarfigrundvelli r samningasem0slandhefurgertum',3kԀviWmiWanirogfyrirkomulagviWaWkvarWahvaWa e= rkiskulifarameWbeiWniumhlisemlgWerfram0slandieWaeinhverju_samnings 0 rkjanna_,umaWtakaviW. b.  ViWgreininabtistnUmlsgrein,svohlj;Wandi:  0  0   v D;msmlarWherragetursettreglurummlsmeWferWsamkvmtYessumkafla.i @!33.gr. '   1.mgr.55.gr.lagannaorWastsvo:    _Btlendingastofnun_Ԁoglgregluerheimilvinnslapers;nuupplUsinga,YarmeWalYeirra  semviWkvmargetatalist,aWYvmarkisemslkvinnslatelstnauWsynlegviWframkvmd `  laganna.AWYvmarkisemnauWsynlegtertilaWtryggjaaWtlendingardveljiogstarfilg S+! legahrlandierheimiltviWvinnslupers;nuupplUsingaaW_samkeyra_ԀupplUsingar_Btlend " ingastofnunar_,_Vinnumlastofnunar_,lgreglu,skattyfirvaldaogYj;Wskrr.Slkar_samkeyrslur_ # skulugerWarnYessaWupplUsingarrskrmeinstakrastofnanasusendarWrumYessara  $ stofnanaumframYaWsemnauWsynlegtertilskoWunarfyrirframskilgreindu_athugunarefni_. !W% AWWruleytiferummeWferWpers;nuupplUsingasamkvmtlgumum_pers;nuvernd_Ԁog J""& meWferWpers;nuupplUsinga. #' @!34.gr. $ )   #``mC#MeWlgumYessumer_m.a._Ԁ_innleidd_Ԁtilskipun_Evr;puYingsins_ԀogrWsins2004/38/EBum v%N!* rttrkisborgararkja_Evr;pusambandsins_ԀogfjlskyldnaYeirratilfrjlsrarfararogdvalar A&"+ einsoghnvartekinuppsamninginnumEvr;pska_efnahagssvWiW_ԀmeWkvrWunsam  '", eiginlegu_EES_-nefndarinnarnr.158/2007fr7.desember2007umbreytinguV.viWauka '#- (FrelsilaunYegatilflutninga)og_VIII_.viWauka(_StaWfesturttur_)viW_EES_-samninginnfr2. 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