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( :  ViW36.gr.lagannabtistnUmlsgrein,svohlj;Wandi:    NgreiWirlaunagreiWandiinnskuldbindingusnaviWlfeyrissj;W,semnUtur_bakbyrgW  ar_ԀrkiseWasveitarflags,meWYvaWgefatskuldabrfsemekkieruskrWskipulegum a markaWiogskalsj;WnumYheimiltaWeigaslkskuldabrf;hWtakmrkunumYessarar T, greinar.    9.gr.     2.mgr.37.gr.lagannaorWastsvo:  X   RWherraseturreglugerWumformogefnifjrfestingarstefnuskv.36.gr.og36.gr.aog K #  ttektvxtunlfeyrissj;WaogvrsluaWila_sreignarsparnaWar_.      10.gr.   "  3.mlsl.6.mgr.40.gr.lagannafellurbrott. wO    11.gr.      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"   15.gr.  $ #  LgYessiWlastYegargildi. !W% @ #dggAthugasemdirviWlagafrumvarpYetta.#ggd#Ԉ #'   MeWfrumvarpiYessuerulagWartilnokkrarbreytingarlgumnr.129/1997,umskyldu #( tryggingulfeyrisrttindaogstarfsemilfeyrissj;Wa,meWsWaribreytingum.0fyrstalagier $ ) lagttilaWhugtakanotkun,YegarfjallaWerumendurskoWun,verWifrWtilsamrmisviW v%N!* notkunhugtakalggjffjrmlamarkaWi,enYarerhugtakiW?innriendurskoWun notaW A&"+ yfirYaWsemernefnt?innraeftirlit nokkrumstWumlgumnr.129/1997.0Wrulagier  '", lagttilaWlfeyrissj;WiverWiveittheimildtilYessaWskilyrWagreiWslurorkulfeyrisviWaW '#- sj;Wflagifariendurhfingu,endaliggifyrirlittrnaWarlknissj;Wsins.Samsvarandi ( kvWieraWfinnalgumnr.1/1997,umLfeyrissj;Wstarfsmannarkisins.0YriWjalagier  rWherrafalinheimildtilYessaWkveWannarumYauatriWisemeigasamkvmtlgunum  aWkomaframreglumumviWb;tartryggingaverndog_sreignarsparnaW_.0fj;rWalagierlagt a tilaWframlaglfeyrissj;Waskv.6.gr.laganr.60/2012,um_atvinnutengda_Ԁstarfsendurhfingu T, ogstarfsemi_starfsendurhfingarsj;Wa_,verWiekkinvirtviW_tryggingafrWilega_Ԁathugun  fjrhagsj;Wannafyrirrin2016og2017.0fimmtalagierlagttilaWmltverWifyrirumaW  greiWilaunagreiWandiinnskuldbindingusnaviWlfeyrissj;W,semnUtur_bakbyrgWar_Ԁrkis   eWasveitarflaga,meWskuldabrfumsemekkieruskrWskipulegummarkaWi,verWisj;Wn  X umheimiltaWeigaslkskuldabrf;hWtakmrkunum36.gr.ogsjttalagierlagttilaW K #  heimildlfeyrissj;WatilYessaWeigaalltaW20%hlutaf_samlagshlutaflgum_ԀverWifram    lengdumeittreWatil31.desember2014.XerulagWartiltvrbreytingarkvWitil    brWabirgWaVIlgunum.FyrribreytinginertilYessaWtakaafallanvafaumvgifyrra   kvWistilbrWabirgWaVImeWvsantilfimmrareglunnar2.mlsl.2.mgr.39.gr.lag wO  anna.MeWsWaribreytingunnierlagttilaWlfeyrissj;WiverWiheimiltaWhafameiraen10% B  munmillieignarliWaog_lfeyrisskuldbindinga_ԀsamfelltsexrfrogmeWrinu2008.AW    aukierulagWartilsmvgilegarbreytingarsemvarWam.a.reglugerWarheimildir,tilkynn   ingarogfresti. {    FrumvarpiWvarsamiWfjrmlaog_efnahagsrWuneytinu_.kvWin1.!11.gr.,13.og nF 14.gr.voruupphaflegafrumvrpumsemlgWvorufram141.lggjafarYingi(469.og625. 9 ml)ennWuekkiframaWganga.BWifrumvrpinvoruunninaWhfWusamrWiviWFjr  mlaeftirlitiWogLandssamtklfeyrissj;Wa.XhefurveriWhaftsamrWviWFjrmlaeftirlitiW  vegnakvWisaliWar12.gr. r @ AthugasemdirviWeinstakargreinarfrumvarpsins. 0   Um1.gr.  e3  0greininnierlagttilaWrWherraverWiheimiltaWkveWannarumYauatriWisemeigaaW  komaframreglumumviWb;tartryggingaverndog_sreignarsparnaW_.XauatriWieruekkitalin i upplgunummeWbeinumhttienverWahinsvegarleiddafkvWumlaganna. \4 Ѐ  Um2.gr.  D5  0greininnierlagttilaWheimiltverWiaWbindagreiWslurorkulfeyrisYvskilyrWiaWsj;W `  flagifariendurhfingu,semgetibttheilsufarhans,endaliggifyrirlittrnaWarlknis S+! sj;WsinsYveru.SamsvarandikvWier16.gr.laganr.1/1997,umLfeyrissj;Wstarfs " mannarkisins.LagtertilaWWrumlfeyrissj;WumverWiheimiltaWbyggjaslkumsj;nar # miWumogYvsambandiersrstaklegalitiWtillaganr.60/2012,um_atvinnutengda_Ԁstarfs  $ endurhfinguogstarfsemi_starfsendurhfingarsj;Wa_,Yarsemm.a.ermltfyrirumrtt !W% YeirrasemYiggjarorkulfeyrifrlfeyrissj;Wumtilstarfsendurhfingarvegum_starfs J""& endurhfingarsj;Wa_. #'   Um3.gr. $ ) 9  0greininnierlagttilaWfresturlfeyrissj;WatilYessaWskila_tryggingafrWilegri_Ԁathugun v%N!* tilFjrmlaeftirlitsinsverWifrWurfram,eWatil15.marhvert.UndanfarinrhefurFjr A&"+ mlaeftirlitiWbeintYeimtilmlumtillfeyrissj;WaaWflUta_skUrsluskilum_Ԁvegna_trygginga  '", frWilegra_ԀathuganaogYverYessibreytinglgWtil. '#- Ї  Um4.gr. ( <  0a-liWerlagttilaWbirtingtilkynningarumbreytingarsamYykktumlfeyrissj;WaLg  birtingablaWiverWilgWaf,endaYykirupplUsingagjflfeyrissj;Watilsj;Wflagaskv.2.mgr.  18.gr.lagannafullngjandi,m.a.YegarlitiWertilupplUsingaerltaaWbreytingumsam a Yykktum. T,   0bliWerlagttilaWkveWiWverWiumYaWmeWskUrumhttiaWtilkynningarskyldagagn  vartFjrmlaeftirlitinutekurjafnttilbreytingaendurskoWandaogYeimaWilasemannast  innriendurskoWunlfeyrissj;Ws.     Um5.gr. K #  g?  0greininnierlagttilaWkveWiWverWiumYaWmeWskUrumhttiaWkvWi2.tlul.3.    mgr.29.gr.lagannaltiaWYvverkefnistj;rnaraWkveWahvernigfyrirkomulagiinnri    endurskoWunarverWihttaW,annaWhvortmeWYvaWrWaforstWumann_endurskoWunardeild   ar_,semhefurYaWverkefnimeWhndumaWannastinnriendurskoWun,eWasemjaviWsjlfsttt wO  starfandieftirlitsaWilatilYessaWannastYendurskoWun. B    Um6.gr.   KB  HrerlagttilaWorWin?innriendurskoWun komistaWorWanna?innraeftirlit 1.og2. {  mlsl.1.mgr.34.gr.lagannaogYvsambandiervsaWertilYesssemframkemuralmenn nF umathugasemdummeWfrumvarpinu. 9   Um7.gr.  C  HrerlagtertilaWheitiVI.kaflalagannaendurspegliYbreyttuhugtakanotkunsemlgW r ertilfrumvarpiYessu. e=   Um8.gr.  D  0greininnierlagttilaWmltverWifyrirumaWgreiWi_launagreiWendur_Ԁinnskuldbindingu  snaviWlfeyrissj;W,semnUtur_bakbyrgWar_ԀrkiseWasveitarflaga,meWtgfuskuldabrfa i semekkieruskrWskipulegummarkaWi,verWisj;WnumheimiltaWeigaslkskuldabrf;hW \4 takmrkunum36.gr.XauskuldabrfsemhrervsaWtilteljasttilhreinnareignarskilningi ' 7.mgr.36.gr.    AWilar,semtryggWustarfsmennsj;WummeW_bakbyrgW_ԀrkiseWasveitarflags,byrgjast  einhverjummlihverfyrirsinnh;pgreiWslurrYeim.Stj;rnumsj;WannahafaveriWveittar `  heimildirUmistlgumeWasamYykktumtilYessaWtakaviWskuldabrfumtilgreiWslu S+! skuldbindingumsemverWaleiddarafYessaribyrgW_launagreiWenda_.XaWYykirrttaWveita " Yessumlfeyrissj;WumheimildirtilYessaWeigaslkskuldabrf;hWkvWum36.gr.meW # vsantilYessaWYaWermikilvgtaW_launagreiWendur_ԀeigiYesskostaWgreiWaskuldsnaviW  $ lfeyrissj;WmeWskuldabrfiogaWjafnrWis_launagreiWenda_ԀsgttYvtilliti.MeWsama !W% httierYaWmikilvgtfyrirlfeyrissj;WinnaWf_skuldbindinguna_ԀgreiddameWskilgreindu J""& _greiWsluflWi_.XaWkvWisemhrerlagttilhefurekkihrifstWu_bakbyrgWaraWila_. #'   Um9.og10.gr. $ ) M  0greinunumerulagWartilbreytingarkvWum2.mgr.37.gr.og3.mlsl.6.mgr.40. v%N!* gr.lagannaYarsemkvWunumergertrWfyriraWFjrmlaeftirlitiWsetjireglur,annars A&"+ vegarumformogefnifjrfestingarstefnuskv.36.gr.og36.gr.aoghvernighenniskuli  '", skilaWtileftirlitsinsoghinsvegarumformogefniskUrslnaumttekt_eignasfnum_ԀsWasta '#- rsogfjrfestingarstefnu.RWherrahefurfjallaWumYessiatriWireglugerWnr.916/2009,um ( fjrfestingarstefnuogttektvxtunlfeyrissj;WaogvrsluaWila_sreignarsparnaWar_,sem  settvarmeWstoW56.gr.laganna.kvWireglugerWarinnarhafaYvleystYrreglursem  kvWinkveWaumafh;lmiogYveruYessarbreytingarlagWartil. a   Um11.gr.  |Q  TilsamrmisviWlagfringarhugtakanotkunumendurskoWendur,innriendurskoWun  oginnraeftirlitera-liWlagttilaWorWin?oginnraeftirliti,sbr.35.gr. fallibrott.     0b-liWerlagttilaWtilvsuntillagaumrsreikningaverWibreyttmeWvsantilYessaWIX.  X kaflilaganr.3/2006,umrsreikninga,komstaWVII.kaflalaganr.144/1994,umrsreikn K #  inga.Kaflarnireruefnislegasamhlj;Wa.      Um12.gr.   T  0a-liWerlagttilaWtekinnverWiafallurvafiumaWlfeyrissj;WumhafiveriWheimiltaW wO  hafameiraen10%munmillieignarliWaog_lfeyrisskuldbindinga_Ԁ_tryggingafrWilegum_ B  athugunumfyrirrin2008,2009og2010,Yegarfimmrareglan2.mlsl.2.mgr.39.gr.    lagannaervirt,nYessaWbregWastviWmeWbreytingumsamYykktumsj;Wanna.kvWiW   umaWheimiltvriaWhafameiraen10%munmillieignarliWaog_lfeyrisskuldbindinga_Ԁvar {  fyrstsett13.gr.laganr.171/2008,umbreytingulgumnr.129/1997,umskyldutryggingu nF lfeyrisrttindaogstarfsemilfeyrissj;Wa,meWsWaribreytingum.kvWiWt;ktvvegis 9 breytingum,fyrstmeW39.gr.laganr.130/2009,umrWstafanirskattamlum,Yarsemmlt  varfyrirumaWriW2009skyldikomastaWrsins2008,ogsWarmeW41.gr.laganr.  165/2010,umbreytingUmsumlagakvWumumskattaoggjld,Yarsemmltvarfyrir r umaWriW2010skyldikomastaWrsins2009.NgildandikvWitilbrWabirgWaVI,Yar e= semmlterfyrirumaWmiWaskuliviW10%munmillieignarliWaog_lfeyrisskuldbindinga_ 0 fyrirrin2011,2012og2013YegarmetiWerhvortlfeyrissj;Wurfalliundir2.mlsl.2.mgr.  39.gr.laganna,komstaWeldrakvWisins.XaWliggurYvfyriraWYaWvarheimiltaWmiWa  viW10%munmillieignarliWaog_lfeyrisskuldbindinga_Ԁrin2008,2009,2010,2011og i 2012ogYaWverWurennfremurheimiltaWmiWaviW10%munfyrirriW2013.MeWvsantil \4 YesserlagttilaWllumrddrverWitilgreindkvWinutilYessaWtakaafallanvafa. 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J""& `  0greininnierlagttilaWheimildtilaWlfeyrissj;WureigialltaW20%afhlutaf_samlags #' hlutaflagi_ԀverWiframlengdumeittr,tilrsloka2014. #(   Lfeyrissj;WirhafatalsverWummlifjrfest_samlagshlutaflgum_Ԁundanfarinrenda $ ) hentarYaWflagsformsj;WunumaWmrguleytivel._Samlagshlutaflgin_ԀsjlfhafasWan v%N!* fjrfestUmsumeignumogYannigveriWumgjrWumfjrfestingarlfeyrissj;Wanna._Sam A&"+ lagshlutaflagaformiW_ԀhentaraWUmsuleytisWurfyrirflgmeWmjgmargaeigenduren  '", hlutaflagaformiW.FramrkfyrirYvaWhiWalmenna15%Yakeigneinstkuflagi '#- semveitterundanYgafrmeWYessukvWittie.t.v.ekkiaWeigaviWumfjrfestingar ( lfeyrissj;Wa_samlagshlutaflgum_.AuWveldaraerfyrirlfeyrissj;WiaWstandaaW_samlags  hlutaflagi_ԀefhlutdeildhversogeinsmveraalltaW20%enefhnmeingnguvera15%  vegnaYessaWfrrisj;WirYurfaaWkomaaWhverjuflagi.HrerY;ekkilagttilaWalmennu a reglunniverWibreyttenaWundanYgukvWiWverWihinsvegarframlengtlj;siYessaW T, unniWeraWendurskoWunlagakvWaumfjrfestingarheimildirlfeyrissj;Wanefndsemfjr  mla-ogefnahagsrWherrasettf;tupphafirs.    Um14.gr.  X h  0greininnierbyggtYvaWframlglfeyrissj;WatilstarfsendurhfingarverWiekkinvirt K #  fyrrenniWurstWurYeirrar_heildarttektar_ԀYj;nustu_starfsendurhfingarsj;Wa_,semmlter    fyrirum2.mgr.brWabirgWakvWisIIlgumnr.60/2012,um_atvinnutengda_Ԁstarfsendur    hfinguogstarfsemi_starfsendurhfingarsj;Wa_,liggjafyrir.FresturtilYessaWframkvma   umrddattektvarframlengdurumtvrmeWfrumAlYingisogYverlagttilaWkvWi wO  tilbrWabirgWaXVverWibreytttilsamrmisviW_framlenginguna_. B    Um15.gr.   kl  kvWiWYarfnastekkiskUringa. {   --Fylgiskjal.  <rAU?) dE? A^r<  r #--l#Fjrmla-ogefnahagsrWuneyti, 0 skrifstofaopinberrafjrmla:    Umsgnumfrumvarptillagaumbreytingulgumnr.129/1997, i umskyldutryggingulfeyrisrttindaogstarfsemilfeyrissj;Wa, \4 meWsWaribreytingum(innriendurskoWun,skilyrWitilgreiWslurorkulfeyris, ' meWferWframlagstilstarfsendurhfingar,fjrfestingarheimildir,  leyfilegurmunurmillieignarliWaoglfeyrisskuldbindinga,o.fl.).   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