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Fyrirlokjnhvertrskalstj;rnlfeyrissj;WsboWatilrsfundarsj;Wsins.Allirsj;WflagareigartttilfundarsetursfundinummeWumrWuogtillgurtti.AtkvWisrtturskalverasamrmiviWsamYykktirhlutaWeigandilfeyrissj;Ws,sbr.27.gr.  rsfundskalboWameWtryggilegumhtti.  rsfundiskalgerWgreinfyrirskUrslustj;rnar,rsreikningum,tryggingafrWilegumttektum,fjrfestingarstefnuogtillgumstj;rnartilbreytingasamYykktumsj;Wsins.  31.gr.    Stj;rnarmennlfeyrissj;WiskuluveralgrWa,fjrsnsrWandi,hafa;flekkaWmannorWogmegaekkisWustufimmrumhafatengslumviWatvinnureksturfengiWd;mfyrirrefsiverWanverknaWsamkvmtalmennumhegningarlgum,lgumumhlutaflg,einkahlutaflg,b;khald,rsreikninga,gjaldYroteWaopinbergjld.Stj;rnarmennskuluverabsettirhrlandieWaWrumaWildarrkjumEvr;pskaefnahagssvWisins.  Umhfistj;rnarmannslfeyrissj;WstilmeWferWarmlsfereftirkvWumII.kaflastj;rn sUslulaga. ,q(3 & a    Framkvmdastj;riannastdagleganrekstursj;WsinsogskalhannfaraeftirYeirristefnuogfyrirmlumsemsj;Wstj;rnhefurgefiW.RWstafanirsemeru;venjulegareWamikilshttargeturframkvmdastj;riaWeinsgertsamkvmtheimildfrsj;Wstj;rn.'a1c  Framkvmdastj;raer;heimiltaWtakaYttatvinnurekstrinemaaWfengnuleyfistj;rnar.EignarhluturfyrirtkitelstYtttakaatvinnurekstrinemaumsaWrWa;veruleganhlutsemekkiveitirbeinhrifstj;rnYess.  Umhfiframkvmdastj;raferskv.1.og2.mgr.  32.gr.    Stj;rnarmenn,framkvmdastj;riogaWrirstarfsmenn,svoogendurskoWendurlfeyrissj;Ws,erubundnirYagnarskylduumalltYaWsemYeirfvitneskjuumstarfiogleyntaWfarasamkvmtlgumeWaeWlimls.XagnarskyldahelstY;ttltiWsafstarfi.  HaldaskalgerWab;kumYaWsemgeristfundumstj;rnar.Allirstj;rnarmennsemmttireruskuluundirritafundargerWina.@rr)`33.gr.  Viljisj;WflagiekkiunarskurWisj;Wstj;rnarmlierhannhefurskotiWtilhennargeturhannvsaWYvtilgerWard;mssemskipaWurskalYremurmnnum,einumtilnefndumafviWkomandisj;Wflaga,einumtilnefndumafviWkomandilfeyrissj;WiogoddamannitilnefndumafbankaeftirlitiSeWlabanka0slandseWaWrumYeimaWilasemtilgreindurersamYykktumviWkomandisj;Ws.BrskurWurgerWard;mserbindandifyrirbWaaWila.MlskostnaWiskalskiptmillimlsaWilaeftirmatid;msins,enY;skalsj;WflagiekkigreiWameiraen/KK//1PP3///hluta  mlskostnaWar.UmmlsmeWferWfyrirgerWard;mnumfersamkvmtlgumumsamningsbundnagerWard;ma.̀  34.gr.    ViWlfeyrissj;WskalendurskoWunardeildeWasjlfstttstarfandieftirlitsaWiliannastinnraeftirlit,sbr.2.tlul.2.mgr.29.gr.Innraeftirlitskalverahlutiafskipulagilfeyrissj;WsogYttureftirlitskerfihans.  SjlfstttstarfandieftirlitsaWiligeturveriWlggilturendurskoWandieWassemhlotiWhefurviWurkenningubankaeftirlitsins.  Lfeyrissj;WierskyltaWtilkynnabankaeftirlitiefskipterumeftirlitsaWilaskv.1.mgr.  35.gr.    EndurskoWunardeildeWaeftirlitsaWililfeyrissj;Wsskv.1.mgr.34.gr.skalm.a.annasteftirfarandiverkefni:C ? $$?C-- )2  1  .3   ݈0  hafaeftirlitmeWaWskrningiWgjaldaoglfeyrisrttindassamkvmtlgumogsam  $ Yykktumsj;Wsins,     )2  2  .3   ݈0  hafaeftirlitmeWaWlfeyrisrttindisureiknuWsamrmiviWlgogsamYykktirsj;Ws S""& ins,     )2  3  .3   ݈0  geratillgutilstj;rnarumskipulagninguinnraeftirlitsogannastsrstakarttektir #( virkniinnraeftirlits,     )2  4  .3   ݈0  hafaeftirlitmeWaWviWskiptummeWeignirlfeyrissj;WssendurgjaldfyrirYrinntaf %N!* hendiinnaneWlilegratmamarka,     )2  5  .3   ݈0  hafaeftirlitmeWYvaWfjrfestingarstefnusfylgtogaWvxtuneignaseWlileg,0@ '",    )2  6  .3   ݈0  hafaeftirlitmeWaWiWgjldumogWrurWstfunarflfeyrissj;WssrWstafaWsam '#- rmiviWlgogsamYykktirsj;Wsins.      BankaeftirlitseturnnarireglurumverkefniendurskoWunardeildaogeftirlitsaWilalfeyrissj;Wa.   +&1 $c  $} $  & ,  @'`VII.KAFLI@^^` Fjrfestingarstefnalfeyrissj;Wa.   @rr)`36.gr.  Stj;rnlfeyrissj;Wsskalm;tafjrfestingarstefnuog',1vaxtafsj;WsinsmeWhliWsj;nafYeimkjrumsembesteruboWinhverjumtmameWtillititilvxtunaroghttu.Stj;rnlfeyrissj;WserheimiltaWm;tasrstakafjrfestingarstefnufyrirhverjadeilddeildaskiptumsj;Wi.Lfeyrissj;WierheimiltaWvaxtafsittmeWeftirfarandihtti:C ? $$?C-- )2  1  .3   ݈0  0rkisvxlum,rkisskuldabrfumogskuldabrfumsemtryggWerumeWbyrgWrkis   sj;Ws.     )2  2  .3   ݈0  0skuldabrfumbjarogsveitarflaga.T #     )2  3  .3   ݈0  0skuldabrfumtryggWummeWveWifasteignaWhmarki65%afmetnumarkaWsvirWi    nemaYegarumeraWrWasrhftatvinnuhsnWiYskalhmarkYettavera35%.     )2  4  .3   ݈0  MeWinnlnumbnkumogsparisj;Wum.     )2  5  .3   ݈0  0skuldabrfumogvxlumbanka,sparisj;Waogannarralnastofnanasemltaeftirliti O  bankaeftirlits.     )2  6  .3   ݈0  0hlutabrfumfyrirtkja.     )2  7  .3   ݈0  0hlutdeildarskrteinumverWbrfasj;Wa,enverWbrfasafniaWbakiskrteinunumskal   skiptaWratluliWiYessararmlsgreinarmeWtillititiltakmarkana2.!6.mgr.     )2  8  .3   ݈0  0WrumverWbrfum.wF    )2  9  .3   ݈0  0innlendumhlutabrfumsemekkieruskrWskipulegummarkaWi,endasuengar B hmlurlagWarviWskiptimeWhlutabrfinogrsreikningarhlutaWeigandihlutaflagallumaWgengilegir.     )2   10  .3   ݈0  MeWgerWafleiWusamningasemdragarhttusj;Wsins.r     VerWbrfskv.1.,2.og5.!8.tlul.1.mgr.skuluhafaskrWkaupogslugengiskipulegummarkaWi.MeWskipulegummarkaWierttviWskipuleganverWbrfamarkaWinnanaW``ildaaarrkjaEfnahagsogframfarastofnunarinnar(OECD)semstarfarreglulega,eropinnalbbmenningiogviWurkenndurmeWYeimhttisembankaeftirlitSeWlabanka0slandsmeturgildan.SmarkaWurinnutanrkjaOECDskalbankaeftirlitiWhafaviWurkennthann.  XrttfyrirkvWi2.mgr.erheimiltaWfjrfestafyrirsamtalsalltaW10%afhreinnieignsj;WsinsverWbrfumsemfallaundir1.,2.,5.og8.tlul.1.mgr.ogekkieruskrWskipulegummarkaWi,endasuverWbrfingefintafinnlendumaWilum.  Eignlfeyrissj;Wsskv.2.,5.og8.tlul.1.mgr.hverjumumsigog6.og9.tlul.1.mgr.samanlagtskalekkiverameirien35%afhreinnieignsj;Wsins.X;skaleignskv.9.tlul.ekkiverameirien10%afhreinnieignsj;Wsins.  SamanlgWeignsj;WsinsverWbrfumskv.2.!9.tlul.1.mgr.tgefnumafsamaaWila '" eWaaWilumsemtilheyrasmusamstWunniskalekkiverameirien10%afhreinnieignsj;Wsins.Xessitakmrkunskalvera5%fyrirverWbrfskv.8.tlul.Eigierlfeyrissj;WiheimiltaWeigameiraen15%afhlutafhverjufyrirtkinmeiraen25%afhlutdeildarskrteinumtgefnumafsamaverWbrfasj;Wi.X;erlfeyrissj;WiheimiltaWeigastrrihlutaen15%fyrirtkisemeingngusinnirYj;nustuverkefnumfyrirlfeyrissj;Winasjlfa.  Lfeyrissj;WurskaltakmarkahttuerlendumgjaldmiWlumhhhhheildviW40%afhreinnieignsj;Wsins.  MeWhreinnieign3.!6.mgr.erttviWhreinaeignlfeyrissj;WstilgreiWslulfeyrissamkvmtsWastaendurskoWaWarsuppgjri.Takmarkanir3.!6.mgr.skuluhaldahverjumtma.  Lfeyrissj;WierekkiskyltaWseljaeignirYvskyniaWfullngjaYeimtakmrkunumsemkveWiWerumYessarigreinenskalYegarhannkaupirverWbrfgtaYessaWYessitakmrksuvirt.@``,`  37.gr.    Lfeyrissj;WurmekkifjrfestafasteignumeWalausafnemaaWYvmarkisemnauWsynlegtervegnastarfsemisj;Wsins.  XrttfyrirkvWi1.mgr.erlfeyrissj;WiheimiltntakmarkanaaWyfirtakaeignirtilaWtryggjafullnustukrfu.EignirnarskuluseldareigisWareninnan18mnaWafryfirtku 8.*5     }   eignanna.HeimilterY;aWdragaslulengursYaWauglj;slegaYguhagsmunasj;Wsins.SlkandrttslueignaskaltilkynnabankaeftirlitisemgeturYkrafistsluYeirrainnanviWeigandifrests.  38.gr.    Lfeyrissj;Wier;heimiltaWtakalnnematilfjrfestingarfasteignumsemerunauWsynlegarvegnastarfsemisj;Wsins.Lfeyrissj;WierY;heimiltaWnUtaalmennagreiWslufrestivegnakaupaverWbrfumeWatakaskammtmalntilYessaWjafnafjrstreymi.  Lfeyrissj;Wier;heimiltaWveitalntilstj;rnarmanna,varamannaYeirra,starfsmannasj;Wsins,endurskoWenda,eftirlitsaWila,YeirraerframkvmatryggingafrWilegaathugunhagsj;WsinseWamakaYessaraaWila,nemaYeirsuflagarviWkomandisj;WiogYeftirYeimreglumsemgildaumlntilsj;Wflagaalmennt.  39.gr.    Hreineignlfeyrissj;WstilgreiWslulfeyrissamtnvirWiframtWariWgjaldaskalverajafnhnvirWivntanlegslfeyrisvegnaYegargreiddraiWgjaldaogframtWariWgjalda.tlunumframtWariWgjldogvntanleganlfeyriskalmiWuWviWsj;WflagaYeimtmasemtryggingafrWilegathuguntekurmiWaf.HreineigntilgreiWslulfeyrisskalhverjumtmametinsamrmiviWkvWi24.gr.  LeiWitryggingafrWilegathugunskv.24.gr.lj;saWmeiraen10%munurermillieignarliWaoglfeyrisskuldbindingaskv.1.mgr.erhlutaWeigandilfeyrissj;WiskyltaWgeranauWsynlegarbreytingarsamYykktumsj;Wsins.SamagildirefmunursamkvmttryggingafrWilegumathugunummillieignarliWaoglfeyrisskuldbindingahefurhaldistmeirien5%samfelltfimmr.  Stj;rnlfeyrissj;WserskyltaWflittryggingafrWingshrifumbreytingasamYykktumlfeyrissj;WsgetuhanstilYessaWgreiWalfeyri.TryggingafrWingilfeyrissj;WserskyltaWskUrastj;rnsj;WsinsYegarstaWfrYveftryggingafrWilegttektleiWirlj;saWsj;WurinnstendurekkiviWskuldbindingarsnar.Hannskalskilatillgumtilrb;tatilstj;rnaroggerabankaeftirlitiviWvart.  TryggingafrWingurlfeyrissj;Wsmekkisitjastj;rnhans,verastarfsmaWurhanseWastarfaYguhansaWWruentryggingafrWilegumathugunumogtengdrirWgjf.  VIII.KAFLI rsreikningurogendurskoWun.  \+! 40.gr.    Stj;rnlfeyrissj;Wsogframkvmdastj;riskulusemjarsreikningfyrirhvertreikningsr.rsreikningurskalhafaaWgeymaefnahagsreikning,fjrstreymisyfirlit,yfirlitumbreytinguhreinnieigntilgreiWslulfeyrisogskUringar.EnnfremurskalsemjaskUrslustj;rnarsemsamtrsreikningimyndaeinaheild.Reikningsrlfeyrissj;WseralmanaksriW.  rsreikningurskalundirritaWurafstj;rnlfeyrissj;Wsogframkvmdastj;rahans.Hafistj;rnarmaWureWaframkvmdastj;rim;tbrurframaWfragegnrsreikningiskalhanngeragreinfyrirYvritunsinni.  rsreikningurskalgefaglggamyndaffjrhagsstWulfeyrissj;WsogbreytinguhreinnieigntilgreiWslulfeyris.HannskalgerWursamrmiviWlg,reglurogg;Wareikningsskilavenju.  BankaeftirlitSeWlabanka0slandsskalsjtilYesssamrWiviWreikningsskilarWaWhverjumtmaliggifyrirskilgreiningg;WrireikningsskilavenjuviWgerWrsreikningslfeyrissj;Ws.  BankaeftirlitiWseturregluraWhfWusamrWiviWreikningsskilarWumuppsetningursreiknings,innihaldeinstakraliWaefnahagsreiknings,yfirlitumbreytingarhreinnieigntilgreiWslulfeyrisogfjrstreymisyfirlitogskUringarogmateinstkumliWum.  ,q(3 !c  !} !    & ,  41.gr.    0skUrslustj;rnarskalkomaframyfirlitumstarfsemisj;Wsinsrinu,svoogupplUsingarumatriWiermikilvgeruviWmatfjrhagslegristWusj;WsinsogafkomuhansreikningsrinuerekkikomaframannarsstaWarrsreikningnum.',1  0skUrslustj;rnarskalennfremurupplUstumeftirfarandi:C ? $$?C- - )2  1  .3   ݈0  atburWieftiruppgjrsdagsemhafaverulegaYUWingu,(    )2  2  .3   ݈0  vntanlegaYr;unsj;Wsinsog    )2  3  .3   ݈0  aWgerWirsemhafaYUWingufyrirframtWarYr;unhans.      SkUrslastj;rnarskalveitaupplUsingarumfjldagreiWandisj;Wflagarinu,fjldavirkrasj;Wflaga,Y.e.sj;WflagasemaWjafnaWigreiWaiWgjldtilsj;WsinsmeWreglubundnumhttimnuWihverjum,fjldalfeyrisYega,fjldastarfsmannaaWmeWaltalireikningsrinu,heildarfjrhWlauna,Y;knanaeWaannarragreiWslnatilstarfsmanna,stj;rnarogannarraYj;nustusj;Wsins.@\\(`42.gr.  EndurskoWunhjlfeyrissj;WiskalgerWaflggiltumendurskoWanda.  EndurskoWandilfeyrissj;Wsmekkisitjastj;rnhans,verastarfsmaWurhanseWastarfaYguhansaWWruenendurskoWunoginnraeftirliti,sbr.35.gr.  UmendurskoWunhjlfeyrissj;WigildakvWiVII.kaflalagaumrsreikninga,eftirYvsemviW,nemaannaWkomiframYessumlgum.  VerWiendurskoWandivarviWverulegagallarekstrilfeyrissj;WseWaatriWiervarWainnraeftirlit,iWgjaldainnheimtu,greiWslutryggingartlna,meWferWfjrmunaeWannuratriWisemveiktgetafjrhagsstWulfeyrissj;Wsins,svoogefhannhefurstWutilaWtlaaWlg,reglugerWireWareglursemgildaumstarfseminahafiveriWbrotnar,skalhannYegarstaWgerastj;rnsj;WsinsogbankaeftirlitiviWvart.kvWiYessararmlsgreinarbrj;taekkibgaviWYagnarskylduendurskoWandaskv.32.gr.lagaYessaraeWakvWiannarralaga.  BankaeftirlitiWskalsjtilYess,samrWiviWFlaglggiltraendurskoWendaogaWrahlutaWeigandiaWila,aWhverjumtmaliggifyrirskilgreiningg;WriendurskoWunarvenjuviWendurskoWunhjlfeyrissj;Wum.BankaeftirlitiWseturreglurumendurskoWunlfeyrissj;Wa.  43.gr.    SendaskalbankaeftirlitinuendurskoWaWanrsreikninglfeyrissj;WssamtskUrslustj;rnarYegareftirundirritunhansogeigisWarenfj;rummnuWumeftirlokreikningsrs.MeginniWurstWurrsreikningsskalbirtaopinberlegaogsamrmduformisembankaeftirlitiWkveWur.SlkarmeginniWurstWurskululiggjaframmistarfsstWviWkomandilfeyrissj;WsogveraaWgengilegarfyrirsj;Wflaga.@(`IX.KAFLI@66(` Eftirlit.  S""& @rr)`44.gr.  BankaeftirlitSeWlabanka0slandshefureftirlitmeWaWstarfsemiiiiilfeyrissj;WassamrmiviWkvWilagaYessara,reglugerWirogreglursettarsamkvmtYeimogstaWfestarsamYykktirlfeyrissj;Wa.SkalbankaeftirlitiWeigaaWgangaWllumggnumogupplUsingumlfeyrissj;WasemYaWtelurnauWsynlegtvegnaeftirlitsins.UmeftirlitiWgilda,eftirYvsemviWgeturtt,lgumSeWlabanka0slands.  BankaeftirlitiWgeturlagtfyrirstj;rnlfeyrissj;WsaWltafaraframtryggingafrWilegaathugunhagsj;WsWrumforsendumengefnarerureglubundnumathugunumsj;WsinsteljieftirlitiWaWhagursj;WsinsgefitilefnitilYess.  Erbankaeftirlitinubersttilkynningskv.4.mgr.42.gr.eWaYaWtelurafWrutilefnistWutilaWtlaaWrekstrilfeyrissj;WsogfjrhagsstWusb;tavantverulegumatriWumskalYaWkrefjastj;rnendurogendurskoWandaYegarstaWumnauWsynlegggnsemYeimberaWafhendainnantveggjaviknafrYvaWYeimbarstkrafan.  TeljibankaeftirlitiWaWstarfsemilfeyrissj;Wsbrj;tigegnkvWumlagaYessara,reglugerWumogreglumsettumsamkvmtYeim,staWfestumsamYykktumlfeyrissj;WaeWasaW 8.*5 ) )  } )  Wruleyti;eWlileg,;heilbrigWeWa;traustgeturYaWveittviWkomandisj;Wihfileganfresttilrb;ta,nemabrotsalvarlegt.  Ӏ45.gr.    HeimilterSeWlabanka0slands,aWfengnumtillgumbankaeftirlitsins,aWkveWaviWurlgformidagsekta,alltaW100Ys.kr.dag,eflfeyrissj;WirverWaekkiviWskyldutilafhendingarrsreikningaeWaannarragagnaeWahltaekkikrfumbankaeftirlitsinsumaWgerWirsamkvmtlgumYessum.  Krfur,athugasemdirogfyrirhugaWaraWgerWirbankaeftirlitsinssamkvmtYessumkaflaskuluYegarstaWtilkynntarfjrmlarWherra,stj;rnlfeyrissj;WsogendurskoWanda.  X.KAFLI@@` Umsj;naraWili,slitogsamruni.    @@vv&`46.gr.    Fullngilfeyrissj;WurekkilengurskilyrWilagaYessaratilYessaWWlaststarfsleyfi,sbr.V.kafla,reynistlfeyrissj;WurekkigjaldhfuraWmatibankaeftirlitsSeWlabanka0slands,brj;tihanngegnkvWumlagaYessara,reglugerWumogreglumsettumsamkvmtYeim,staWfestumsamYykktumlfeyrissj;WseWasrekstrihansb;tavantogkrfumbankaeftirlitsinsskv.44.gr.ekkisinnterrWherraheimiltaWskipalfeyrissj;Wiumsj;naraWilaumtiltekinntmaaWfengnumtillgumbankaeftirlits.  Stj;rnogframkvmdastj;rilfeyrissj;WsskuluvkjafrstrfumYanntmasemumsj;naraWilistarfar.Tekurumsj;naraWiliviWrttindumogskyldumYessaraaWilaeftirYvsemnnarerkveWiWumerindisbrfihanssemrWherragefurt.KostnaWurviWstarfumsj;naraWilagreiWistafviWkomandilfeyrissj;Wi.  @rr)`47.gr.  Skipunumsj;naraWilaskalrkstuddogtilkynnthlutaWeigandilfeyrissj;Wiskriflega.JafnframtskalbirtatilkynninguumskipuninaLgbirtingablaWiogauglUsahanafjlmiWlum.  SkyldatilgreiWsluiWgjaldstilhlutaWeigandilfeyrissj;WsfellurniWurfrogmeWYeimtmasemtilkynningumskipunumsj;naraWilabirtistLgbirtingablaWi.EfiWgjaldagreiWslutilsj;WsinserhttskaltryggingaskyldufullngtmeWaWildaWoggreiWsluiWgjaldstilSfnunarsj;WslfeyrisrttindaeWaannarslfeyrissj;WssemviWurkenndureraffjrmlarWherra.  AWtillguumsj;naraWilageturrWherrakveWiWslitlfeyrissj;Ws.SkalrWherraYskipaskilanefndYriggjamannasemsrumslitsj;WnumeWaflutningstarfsemihanstilannarslfeyrissj;Ws.SkilanefndtekurviWllumheimildumsj;Wstj;rnarogfallajafnframtniWurheimildirstj;rnarinnarfrsamatma.SkilanefndskaltakakvrWunumhvortsj;WnumskulislitiWmeWsameininguviWannansj;WeWameWWrumhtti,sbr.2.og3.mgr.49.gr. !W% @rr)`48.gr.  kvrWunumslitlfeyrissj;Ws,hvortheldurermeWsameiningueWaWrumhtti,skaltekinafstj;rnhans,nemasamYykktirsj;WsinskveWiumannaWeWakvWi47.gr.eigiviW.  kvrWunumslitlfeyrissj;WsskalYegarstaWtilkynnafjrmlarWuneytinuogbankaeftirlitinu.  SgertsamkomulagumaWsameinalfeyrissj;WalgjrlegaWrumsj;Wiskalgefatinnkllunskv.2.mgr.49.gr.oghaldaeignunumaWgreindumYartilfresturinnertrunninnoglUstumkrfumfullngt.EkkiYarfY;aWhaldaeignumaWgreindumefallirlnardrottnarsamYykkjaeWaYeimersettfullngjanditrygging.  Eignirlfeyrissj;WsskulurennatilYesslfeyrissj;Wssemhannsameinast.ViWflutningogkvrWunlfeyrisrttindaskalYessgttaWhverogeinnsj;Wflagibeggjasj;WannaverWiekkifyrirrttindaskerWinguvegnasameiningarinnar.RWherrageturmeWreglugerWkveWiWnnarumhverniglfeyrisrttindiskulumetinYessusambandi. m-<)4 *c *} *  @rr)`49.gr.  Stj;rnsj;WseWasaWilisemsamkvmtsamYykktumsj;WshefurkveWiWaWhonumskulislitiWskalYegarstaWtilnefnaYriggjamannaskilanefndertakiviWstrfumstj;rnarogframkvmdastj;rasj;Wsins,endahafiskilanefndekkiYegarveriWskipuWskv.3.mgr.47.gr.  SkilanefndskalltabirtatvisvarLgbirtingablaWiskoruntillnardrottnasj;WsinsumaWlUsakrfumsnuminnantveggjamnaWafrfyrstubirtinguskorunarinnaroghefurhnsmurttarhrifoggildiruminnkllunkrafnaviWgjaldYrotaskipti.  Eignirlfeyrissj;WssemeftirstandaYegarskuldirhafaveriWgreiddarskulurennatilSfnunarsj;Wslfeyrisrttinda.Skulurttindisj;WflagaoglfeyrisYegajafnframtmetintilrttarSfnunarsj;WnumsamahlutfalliogermilliYeirraeignasj;WsinsertilSfnunarsj;Wsinsrennaogheildarlfeyrisskuldbindingasj;WsinsmetinnasamrmiviWkvWilagaYessara.RWherrageturmeWreglugerWkveWiWnnarumhverniglfeyrisrttindiskulumetinYessusambandi.@(`XI.KAFLI@f f ` Lfeyrissj;WirsemstarfaviWgildistkulagaYessara.      50.gr.    Lfeyrissj;WirsemstarfasamkvmtsrlgumeruundanYegnirkvWum21.gr.,V.kaflaogX.kafla.JafnframteruYeirundanYegnirkvWum3.gr.ogIII.kaflaendaskveWiWumiWgjaldsstofnogrttindiviWkomandilgum.kvWi3.mgr.14.gr.skalY;gildafyrirYessasj;Wi.  51.gr.    Lfeyrissj;Wirsemnj;tabakbyrgWarrkis,sveitarflagsogbankaeruundanYegnirkvWum23.gr.og39.gr.  52.gr.    Lfeyrissj;Wir,semhyggjasthaldaframaWtakaviWiWgjldumeftirgildistkulagaYessara,skuluinnaneinsrsfrgildistkunnisendafjrmlarWuneytinuums;knumstarfsleyfi.Ums;knskulufylgjasamYykktirlfeyrissj;Ws,tryggingafrWilegathugun,samtWrumYeimupplUsingumsemrWherrakveWur.Hafisj;Wurekkingjanlegamargasj;Wflagaskv.21.gr.skalums;knkomaframhvenroghvernigsj;WurinnhyggstuppfyllaskilyrWigreinarinnar,sbr.25.gr.UmveitingustarfsleyfisferaWWruleytieftirkvWumV.kafla,umstarfsleyfi.  Hafilfeyrissj;Wurekkisentums;knumstarfsleyfisamttilskildumggnuminnanYesstmasemgreinir1.mgr.telstsj;WurinnekkifullngjakvWumlagaYessaratilYessaWWlaststarfsleyfiogferYummlefnihanssamkvmtkvWumX.kafla.@rr)`53.gr.  Lfeyrissj;Wir,semstarfandieruviWgildistkulagaYessaraoghyggjasteinvrWunguveitalfeyrivegnaunninnarttinda,skulutilkynnafjrmlarWuneytinuumYfyrirtlaninnaneinsrsfrgildistkulagannaogskalYeimveittstarfsleyfiYvskyni,aWfenginniumsgnbankaeftirlitsSeWlabanka0slands.LgYessiskulugildaumYsj;WisemstarfsleyfihafasamkvmtYessarigreineftirYvsemviWgeturtt.  54.gr.    Lfeyrissj;Wi,semstarfarsamrmiviWstaWfestareglugerWsamkvmtlgumnr.55/1980ognUturbakbyrgWarrkis,sveitarflagseWabanka,erheimiltaWstarfafram;breyttumrttindagrundvellifyrirYsemeigaaWildaWsj;WnumviWgildistkulagaYessara.Lfeyrissj;WurinnskaltilkynnafjrmlarWuneytinuumYfyrirtluninnaneinsrsfrgildistkulagannaogskalhonumveittstarfsleyfiYvskyni.  Kj;sisj;WurinnaWtakaviWiWgjldumfrnUjumsj;WflgumskuluYeireigaaWildaWsrstakrideildsj;WnumogskulusamYykktirhennaruppfyllaskilyrWilagaYessara.Umstarfsleyfifyrirslkadeildskals;ttinnansmutmamarkaog1.mgr.greinir. 8.*5 & &  } &    0aWminnstakostieittreftirgildistkulagaYessaraskalgefaYeimsemeigaaWildaWlfeyrissj;WierYessigreintekurtilkostaWildaWrttindakerfieWaWrumlfeyrissj;WisemuppfyllirskilyrWilagaYessara.#%%l#@'`XII.KAFLI ], @PP&` TmiskvWi.  ( @rr)`55.gr.  BrotgegnlgumYessumvarWasektumeWafangelsialltaWeinuri,nemaYyngrirefsingliggiviWsamkvmtalmennumhegningarlgum.SbrotframiWYgulgaWilaerheimiltaWbeitastj;rnendurlgaWilansframangreindumviWurlgumogeinnigerheimiltaWgeralgaWilanumsekt.@rr)`56.gr.  FjrmlarWherrafermeWframkvmdlagaYessaraogerhonumheimiltaWkveWannarumframkvmdYeirrameWreglugerW.@rr)`57.gr.  KostnaWurviWbirtingutilkynningasamkvmtlgumYessumskalgreiddurafviWkomandilfeyrissj;Wi.  58.gr.    LgYessiWlastgildi1.jl1998.X;Wlast3.mgr.14.gr.ekkigildifyrren1.ma1999.Jafnframtfallargildilgnr.91/1980,umskrningulfeyrisrttinda,2.,3.,4.og5.gr.laganr.55/1980,umstarfskjrlaunaf;lksogskyldutryggingulfeyrisrttinda,oglgnr.27/1991,umrsreikningaogendurskoWunlfeyrissj;Wa.  kvWitilbrWabirgWa.    I.  i     FramtilYesstmaerstarfsleyfierveittskv.XI.kaflaskalumstarfsemilfeyrissj;WsgildasstaWfestareglugerWsemgildierviWgildistkulagaYessaraendahafiheimildtilreksturslfeyrissj;WsekkifalliWniWur.  II.  `  6  rinu2001skalfjrmlarWherraltageraskUrsluumYr;unlfeyrismlaframhaldiafsamYykktlagaYessara.Srstaklegaskalfjallaumhverniglfeyrissj;WirhafabreyttsamYykktumsnumogboWiWsj;Wflgumuppfleirivalmguleikasamsetningulfeyrisrttindasinna,sbr.4.gr.,endaerYaWeittafmarkmiWumlagaYessaraaWaukavalmguleikasj;Wflaganna.Komilj;saWlfeyrissj;WirhafialmenntekkiboWiWuppvalmguleikameWhliWsj;naflgmrkumskv.4.gr.skalfjrmlarWherralta,samrWiviWhagsmunaaWila,undirbafrumvarpumbreytingulgumYessumYannigaWYettamarkmiWYeirranist.A%N)  dE' A '", @ `X" X%  SamYykktAlYingi20.desember1997.l:  ݈ ,q(3