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J""& @ Um3.gr. #(   Greininfjallarumbreytingu7.gr.lagannauminnheimtuviWvrun. $ )   01.mgr.7.gr.lagannaergertrWfyrirbreytingumsemtlamaWsusamrmiviW v%N!* framkvmdmla.01.mgr.7.gr.lagannaerntalaWumaWinnheimtuviWvrunskulisenda A&"+ eftirgjalddagakrfu.BtterviWorWunum?eindagaefsWarer ensumirgefakostgreiWslu  '", eindagasemerYsWarengjalddagi.XykirrttaWtakalgumaftvmliumYettaatriWi. '#- XertekiWmiWafkvWum72.gr.vxillaga,nr.93/1933,YarsemsegiraWgreiWsluverWi ( eigikrafistfyrrennstavirkadageftirgjalddagaberigjalddagannupplghelgandageWa  dagYegarbankastofnaniralmennterulokaWar.SUnistsreglagildanuminnheimturenyrWi  nefndlgunumtilryggis.JafnframterkveWiWaWeindagikomistaWgjalddagashann a sWar.VerWurgreiWslusamkvmtfrumvarpinueigikrafistfyrrennstavirkandageftirlg T, helgandageWabankalokunardagog,beristgreiWslanekkiYanndag,skalinnheimtuviWvrun  eigidagsettogsendfyrrenYarnstavirkandag.GangaYarfsemsrskuggaumaW  greiWslanhafiekkiborist,t.d.banka,WurenviWvruninersendtilaWvaldaekki;Yarfa   amstri.  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C-liWurgreinarinnarsnertirYundantekninguerinnheimtuviWvrunersendfyrirgjald {  dagaefumeraWrWainnheimtuvegnaeiginstarfsemi.ErbttviWaWeigiskulikrefjast nF greiWsluseWilgjaldieWasamsvarandigjaldinemalaga-eWasamningsheimildsfyrirhendi. 9 AfYessutilefnivillrWuneytiWbendaaWnefndvegumYesskomstaWYeirriniWurstWuaW  seWilgjldvegnatsendingarreikningattiekkiaWinnheimtanemagrundvellilaga  heimildar(t.d.0bWalnasj;Wur,Lnasj;WurslenskranmsmannaogOrkuveitaReykjavkur) r eWasamkvmtsamningimilliaWila.XareWlagaheimildersjaldnastfyrirhendireyniroftast e= YspurninguhvortsamningurhafiveriWgerWurmilliaWila.SlkurkostnaWurkannaWvera 0 innifalinnverWivrueWaYj;nustuenekkiereinhliWaunntaWkveWaseWilgjld,hverju  nafnisemnefnast,ogYkveWaeinhliWafjrhWslkragjalda.    InnheimtulgsnertaalmenntekkiseWilgjldenYautengjastaWeins3.mgr.7.gr.inn i heimtulagaYareWinnheimtuviWvrunmYeimtilvikumsendafyrirgjalddaga.Almennu \4 athugasemdirnarumseWilgjldinhraWframaneigaY;viWumnnurtilvikviWtsendingu ' reikninga,svoogjafnvelsWaristigum.XannigverWurekkiunntaWkrefjastseWilgjalda  vegnatsendingarbrfamilliinnheimtuendagjldtmanditalininnheimtureglugerW  grundvelli12.gr.lagannaYarsemsegiraWefnahags-ogviWskiptarWherragetireglugerW `  kveWiWhmarksfjrhWinnheimtukostnaWar,m.a.Y;knunarsemheimilteraWkrefjaskuld S+! araumsamkvmtlgunum. " @ Um4.gr.  $   0greininniermiWaWaWYvaWhafaskUrarikvWi10.gr.lagannaummeWferWinn !W% heimtufjrvrslufjrreikningumogtryggjabeturhagkrfuhafa.Sambrilegarreglurum J""& vrslufjrreikningaeraWfinnalgumummiWlunvtrygginga,sbr.22.gr.laganr.32/2005, #' umlgmenn,sbr.23.gr.laganr.77/1998,ogumslufasteigna,fyrirtkjaogskipa,sbr.17. #( gr.laganr.99/2004. $ )   & a RttYykiraWtakasrstaklegaframaWinnheimtuaWilisekkieigandiinnstWuvrslu v%N!* fjrreikningioginnstWansekkihftandlagaWfarargerWarhjhonumogstandiutan A&"+  skuldaraWarviWskiptibihans.'av%~m  '",   &   LokserkveWiWumaWefnahags-ogviWskiptarWherragetikveWiWnnarumvrslu ( fjrreikningareglugerW.'(n  @ Um5.gr. a   MeWhliWsj;nafYvmarkmiWiinnheimtulagaaWsetjakveWnarmeginregluruminnheimtu T, tilhagsb;tafyrirneytendurYykirrttaWgerabreytingu11.gr.lagannaYannigaWeigimegi  innheimtainnheimtukostnaWvegnainnheimtuviWvrunarefbrotiWhefurveriWgegn7.gr.  YannigaWviWvruninYj;niekkitilgangisnum.   @ Um6.gr. K #    0kvWinuerfjallaWumbreytingugreinumstarfsbyrgWartryggingu.LagtertilaW    kvWiWverWifrttilsamrmisviWsambrilegkvWiWrumlgum,svosemlgumum    lgmenn.0YvfelstaWefnahags-ogviWskiptarWherrakveWiumYaWreglugerWtilhvaWa   tj;nsstarfsbyrgWartryggingskulitaka,tryggingarfjrhWir,heildarfjrhWb;tainnanhvers wO  tryggingatmabils,eiginhttuogbrottfallbyrgWartryggingar.JafnframterlagttilaWinn B  heimtuaWiliskulisendaviWkomandieftirlitsaWilastaWfestinguendurnUjunstarfsbyrgWar    tryggingar.   @ Um7.gr. nF   0kvWum2.mgr.15.gr.innheimtulagaumeftirlitgagnvartlgmnnumYykireWlilegt 9 aWgerabreytinguYannigaWframkomiaWLgmannaflag0slandsseftirlitsaWilistaW  rskurWarnefndarlgmanna.ByggistYessibreytingm.a.bendingumfrLgmannaflagi  0slands.FerflagiWmeWalmennteftirlitmeWlgmnnum,m.a.umaWYeirfariaWlgumog r YuppfylliskilyrWiYeirra.XanniggtiflagiWkomiWaWsamrminguverklagsreglnaum e= eftirlitsamkvmtinnheimtulgumgagnvartFjrmlaeftirlitinusemeralmennureftirlitsaWili 0 samkvmtlgunum.XrttfyrirYessabreytinguvarWandialmennteftirlitafhlfulgmanna  flagsinsgeturtilYesskomiWaWeinhvermlendihjrskurWarnefndinnisemfermeWaga  valdgagnvartlgmnnum. i   XeirsemkaupakrfurYeimtilgangiaWinnheimtaYrsjlfiratvinnuskyniskv.5.gr. \4 lagannaYurfainnheimtuleyfiogeruundireftirlitiFjrmlaeftirlitsins.0frumvarpinuerlagt ' tilaWNeytendastofaverWisrstakureftirlitsaWilimeWalmennriinnheimtueiginkrfum.  XykirYaWeWlilegtmeWtillititilYarfaeinstakraneytenda.XessiniWurstaWaerWruvsien  NoregiYarsemenginneftirlitsaWiliermeWslkristarfsemi,eninnheimtulgbyggjastmjg `  norskumlgum.NeytendastofaskalY;hrlandim.a.hafaeftirlitmeWinnheimtuopin S+! berraaWila,sbr.nnar8.gr.frumvarpsinsogathugasemdviWhana.kvWilagaumeftirlit " meWviWskiptahttumogmarkaWssetningugildaumrrWiNeytendastofuogmlsmeWferW. # Xarundirfallam.a.kvWiYeirralagaummlskotsrttaWilatilfrUjunarnefndarneytenda  $ mla(4.gr.)ogaWkvrWunNeytendastofuverWiekkiborinundird;mst;lafyrrenr !W% skurWurfrUjunarnefndarneytendamlaliggifyrir(25.gr.). J""&   0nUrri4.mgr.ergertrWfyriraWeftirlitsaWilarnir,FjrmlaeftirlitiW,rskurWarnefnd #' lgmannaogNeytendastofa,samrmiverklagsreglursnarumeftirlitsamkvmtlgunum. #( @ & a Um8.gr. v%N!*   0greininniergertrWfyriraWbreytingverWigerW1.mlsl.1.mgr.16.gr.laganna A&"+  YannigaWauklgmannaverWiopinberir'av%ԀaWilareinnigundanskildireftirlitiFjrmlaeftir  '", litsinsmeWinnheimtu.TengistkvWiWYeirri&   breytingusemlgWertil7.gr.frumvarpsins, ( Y.e.aWeftirlitmeWinnheimtuopinberraaWilaflytjistfrFjrmlaeftirlitinutilNeytendastofu.'(=  @ Um9.gr. a   0greininnierlagttilaWnUgreinbtistviWlgin,16.gr.a,semkveWurumfjrhagslegt T, heilbrigWiinnheimtuaWila.ErYanniglagttilaWinnheimtuaWiliskulihverjumtmageta  staWiWviWfjrhagslegarskuldbindingarsnar.ErkvWiWsambrilegtkvWilgumum  miWlunvtrygginga.XerlagttilaWinnheimtuaWiliskuligeraFjrmlaeftirlitinuviWvarteigi   hannekkifyrirfjrhagslegumskuldbindingum.JafnframterlagttilaWFjrmlaeftirlitiWgeti  X gertvissarrWstafanirefstWaertalintilaWtlaaWinnheimtuaWilargetiekkistaWiWviW K #  skuldbindingarsnar.MeWkvWinuerFjrmlaeftirlitinufaliWfjrhagslegteftirlitmeWinn    heimtuaWilum.ErmeWYvgertrWfyriraWFjrmlaeftirlitiWgetihaftnnaraeftirlitmeW    fjrhagslegristWuinnheimtuaWilaoggetigripiWfyrrinnenveriWhefur,stefnivandrWi.   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B  @ttUm10.gr.     0greininni,semgeymirnUja17.gr.laganna,ergertrWfyriraWkveWiWverWiumaftur {  klluninnheimtuleyfis,ekkisviptinguinnheimtuleyfis.SamkvmtkvWinuhefurFjr nF mlaeftirlitiWheimildtilafturkllunarinnheimtuleyfisenekkiskyldu.XareWumYyngjandi 9 stj;rnvaldskvrWuneraWrWa,semvelturmati,ereWlilegtaWFjrmlaeftirlitiWhafisvig  rmtilaWmetahvortbeittskuliafturklluneWaWrumvgarirrWum.Ergreininni  kveWiWumskilyrWifyrirafturkllunleyfisinsogerm.a.lagttilaWheimiltverWiaWaftur r kallastarfsleyfiefskilyrWistarfsleyfiseruekkitilstaWar.YaWm.a.viWefstarfsbyrgWar e= tryggingerekkigildi.XerlagttilaWWurentilafturkllunarkemurskuliinnheimtuaWila 0 veitturhfilegurfresturtilrb;taefunnteraWkomarb;tumviWaWmatiFjrmlaeftir  litsins.  @ttUm11.gr. \4   HrergertrWfyrirnUrrigreinlgunum,17.gr.a,semfjallarumniWurfellinguinn ' heimtuleyfisefleyfiWerekkinUtt,YvafsalaWeWastarfsemistWvuW.GerterrWfyrir  rWstfunumtilaWtryggjarttarstWuviWskiptavina.  @ttUm12.gr. S+!   0greininniergertrWfyriraWbttsviWheimild1.mgr.18.gr.lagannatilaWgrpatil " stj;rnvaldssektavegnabrotakvWum6.gr.Yeirraumg;Wainnheimtuhttiendasum # gr;feWatrekuWbrotaWrWa.XykirnauWsynlegtaWFjrmlaeftirlitiWhafiheimildtilaWbeita  $ stj;rnvaldssektumYessumtilvikum.EinnigerbttviWheimildtilaWbeitastj;rnvalds !W% sektumYegarskortirrttameWferWinnheimtufskv.2.mgr.10.gr.laganna,Y.e.inn J""& heimtuferekkihaldiWaWskildufreiginfjrmunuminnheimtuaWilaoginnheimtufekkin #' stWulaussdrttarlagtinnvrslufjrreikning.Xerveittstj;rnvaldssektaheimildvegna #( aWgerWaleysistengslumviW16.gr.aumrWstafanirvegnaslmrarfjrhagslegrarstWuog $ ) 17.gr.aumrWstafanirvegnaniWurfellingarinnheimtuleyfis. v%N!*   A&"+ @tt& a  Um13.gr. (   0greininniergertrWfyrirYvaWstaWrefsingarvegnarangraeWavillandiupplUsingaum  hagifjrmlafyrirtkis2.mgr.20.gr.'a(+ԀlagannakomiaWumsaWrWahagiinnheimtuaWila  erfalliundirinnheimtulg.ErtaliWnauWsynlegtaWrefsikvWisfyrirhendivarWandiaWra a innheimtuaWilaenfjrmlafyrirtkitilvikumsemYessum. 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A^ N &     FjrmlarWuneyti, B  fjrlagaskrifstofa:      Umsgnumfrumvarptillagaumbreytinguinnheimtulgum,nr.95/2008. {      0frumvarpiYessuerulagWartilUmsarbreytingarlgunum,m.a.meWhliWsj;nafreynslu nF viWframkvmdYeirraogathugasemdumeftirlitsaWila.Helstubreytingarsnertaverndfjr 9 fjrvrslureikningum,orWalaginnheimtuviWvrunum,hkkunstarfsbyrgWartryggingar,  Lgmannaflag0slandssemeftirlitsaWilastaWrskurWar-nefndarlgmanna,Neytendastofu  semeftirlitsaWilameWinnheimtufyrireiginstarfsemi,flutningeftirlitsmeWinnheimtuopin r berraaWilafrFjrmlaeftirlititilNeytendastofu,fjrhagslegastWuinnheimtuaWila,aftur e= klluninnheimtuleyfisstaWleyfissviptingarogniWurfellinguinnheimtuleyfis. 0   SamkvmtgildandilgumhefurFjrmlaeftirlitiWeftirlitmeWstarfsemiYeirraaWilasem  YaWhefurveittinnheimtuleyfisamkvmtlgunum,aWlgmnnumundanskildum.Umeftir  litFjrmlaeftirlitsinsgildalgnr.87/1998,umopinberteftirlitmeWfjrmlastarfsemi.0 i frumvarpinuerlagttilaWauklgmannaverWiopinberiraWilarundanskildireftirlitiFjrmla \4 eftirlitsins.EinnigermltfyrirumaWerindumvegnainnheimtufyrireiginstarfsemioginn ' heimtuopinberraaWilaskulibeinatilNeytendastofusemhefureftirlitmeWslkristarfsemi.  SkulukvWilagaumeftirlitmeWviWskiptahttumogmarkaWssetningugildaumrrWi  NeytendastofuogmlsmeWferW. `    FjrmlarWuneytiWteluraWlgfestingfrumvarpsinsgetileitttileinhverraraukningar S+! verkefnumhjNeytendastofuvegnafyrirhugaWseftirlitsstofnunarinnarmeWinnheimtufyrir " eiginstarfsemioginnheimtuopinberraaWila.hittberY;aWltaaWNeytendastofaannast # nYegareftirlitsamkvmtlgumnr.57/2005,umeftirlitmeWviWskiptahttumogmarkaWs  $ setningu,ogaWerindivegnainnheimtuaWilaeiginkrfumhafaveriWftWumliWnum !W% rum. J""&   FjrmlarWuneytiWgerirYvrWfyriraWverWifrumvarpiW;breyttaWlgummuniYaWein #' ungishafafrmeWsr;verulegtgjldfyrirrkissj;Wsemrmastinnanfjrheimildainnan #( rkisrWuneytis. $ )