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'  y Starfsemi_ferWaskipuleggjanda_ԀogferWaskrifstofuskalrekinfastristarfsstWsemopin  skalalmenningitilgreindumtma.HeimilterY;aWvkjafrYessuskilyrWiefYj;nustaer  einungisrekin_rafrnan_Ԁhttogskal_leyfishafi_ԀuppfyllaskilyrWi6.gr.laganr.30/2002,um `  _rafrn_ԀviWskiptiogaWra_rafrna_ԀYj;nustu,umYaWsemkomaskalfram_heimasWu_. S+!  y HeimilteraWrekatibfr_ferWaskipuleggjanda_ԀeWaferWaskrifstofugrundvelli_leyfisins_ " ogskalforsvarsmaWur_tibs_ԀeinnigfullngjaskilyrWum9.gr. #  y _FerWamlastofa_ԀskalhaldaskryfirYsemleyfihafasamkvmtlgumYessumogbirta  $ hanameWaWgengilegumhtti,svosem_heimasWu_Ԁsinni.JafnframtskalauglUsa !W% _heimasWu_Ԁbrottfallleyfa. J""&  y _FerWamlastofa_ԀkveWurhvaWaslensk_ferWaflg_ԀeruundanYeginkvWumlagaYessara #' aWYverlUturaWferWuminnanlands. #( @&^&  9.gr. v%N!*  y Skjaskalumleyfitilreksturs_ferWaskipuleggjanda_ԀogferWaskrifstofutil_FerWamlastofu_ A&"+ aWminnstakostitveimurmnuWumWurenfyrirhuguWstarfsemiskalhefjast.  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' _ y Hverssemhyggststundastarfsemisemer_skrningarskyld_ԀsamkvmtlgumYessum  skalsendaskriflegatilkynninguYessefnistil_FerWamlastofu_.   y _FerWamlastofa_ԀgefurtskrteinitilstaWfestingaraWstarfsemihafiveriWtilkynntog `  uppfyllikvWilagaYessaraumtilkynningarskyldu. S+!  y _FerWamlastofa_Ԁskalhaldaskryfir_skrningarskylda_ԀaWilasemtilkynnthafaumstarfsemi " ogbirtahanameWaWgengilegumhtti,svosem_heimasWu_Ԁsinni. # @tt&^12.gr. !W%  y XeimeinumerheimiltaWnotaheitin_b;kunarYj;nusta_Ԁog_upplUsingamiWstW_Ԁnafni J""& _starfsemi_ԀerundirYessilgfellursemhefurfengiW_tgefiW_Ԁskrteinisamkvmtlgum #' Yessum. #( & ,  y SkrWiraWilarhafaheimildtilaWnotamyndrntauWkenni_FerWamlastofu_. $ )  y _UpplUsingamiWstWvar_Ԁsemnj;ta_opinbers_Ԁ_fjrstuWnings_ԀskuluhaldaYeimYtti v%N!* _starfseminnar_ԀfjrhagslegaaWskildumfrWrumYttumstarfseminnar,svosem A&"+ _b;kunarYj;nustu_._',$xeRWherra_ԀerheimiltaWsetjannarireglurumb;khaldogfjrhagslegan  '", aWskilnaW_Yj;nustu_ԀsemnUtur_opinbers_Ԁ_fjrstuWnings_Ԁogannarsreksturs. '#-  (z$. @tt&^13.gr. (  y 0tilkynningutil_FerWamlastofu_Ԁum_skrningarskylda_Ԁstarfsemiskalkomafram  _eftirfarandi_ԀeftirYvsemviW:  ! ! 7(U885"A0J"  A0Jk y2U  a  .3  Ԉ0    Nafnstarfseminnar,_kennitala_,heimili,smanmerog_netfang_.A0JkKk݌a   Ќ  "A0J"  A0Jwl y2U  b  .3  Ԉ0    Nafnog_kennitala_ԀforrWamanns.A0Jwll݌T,   Ќ  "A0J"  A0Jm y2U  c  .3  Ԉ0    _Rekstrarfyrirkomulag_.A0Jmm݌   Ќ  "A0J"  A0Jn y2U  d  .3  Ԉ0    0tarleglUsingstarfsemi.A0Jnn݌   Ќ  "A0J"  A0Jo y2U  e  .3  Ԉ0    HvortogYhvaWaopinberrastyrkjastarfseminnUtur.A0Joo݌    Ќ  "A0J"  A0Jp y2U  f  .3  Ԉ0    Opnunartmi_starfsstWvar_.A0Jpp݌ X   Ќ   y _FerWamlastofu_ԀerheimiltaWfella_skrWan_ԀaWilaafskrefhinniskrWustarfsemihefur K #  veriWhtteWastarfsemier_tvkkuW_ԀYannigaWhnfalliundirskilgreiningu    _ferWaskipuleggjanda_ԀeWaferWaskrifstofu._FerWamlastofa_ԀrskurWarefgreiningurrsumtil    hvaWaflokksstarfsemiheyrir.     V.KAFLI B   _Tryggingarskylda_Ԁvegna_alferWa_.     14.gr.   't y _Tryggingarskyld_ԀstarfsemisamkvmtlgumYessumersala_alferWa_. {   y _FerWaskrifstofa_ԀskalhafatryggingufyrirendurgreiWslufjrsemviWskiptavinurhefurgreitt nF vegna_alferWar_Ԁsemenner;farinogtil_heimflutnings_Ԁ_viWskiptavinar_Ԁr_alferW_,hvortsemhann 9 erinnanlandseWaerlendis,komitil_gjaldYrots_ԀeWarekstrarstWvunar_ferWaskrifstofu._  _Trygging_ԀskaleinnigntilYessaWgeraviWskiptavinikleiftaWljka_alferW_Ԁ_samrmi_ԀviW  _upphaflega_Ԁtlunhennar. r  y Tryggingskv.2.mgr.geturveriW: e= ! ! 9(e887"A0J"  A0Jz y2e  a  .3  Ԉ0    FsemlagterinnviWurkenndanbankaeWa_sparisj;W_Ԁnafni_FerWamlastofu_,sbr. 0 17.gr.A0JzHz݌   Ќ  "A0J"  A0J{ y2e  b  .3  Ԉ0    byrgWviWskiptabankaeWa_sparisj;Ws_ԀeWa_vtrygging_Ԁhj_vtryggingaflagi_.Skulu  _Yessir_ԀaWilarhafastarfsleyfiEvr;pska_efnahagssvWinu_.Xeirskulujafnframtleggja i framyfirlUsinguumaWgildissviWogfjrhW_tryggingarinnar_ԀssamrmiviWlgYessi.A0J{{݌\4   Ќ  "A0J"  A0J~ y2e  c  .3  Ԉ0    nnurtryggingsem_FerWamlastofa_Ԁmetursambrilega.LeggjaskalframyfirlUsingu ' umaWgildissviWogfjrhWslkrartryggingarssamrmiviWlgYessi.A0J~~݌   Ќ  @tt&^15.gr. `   y Tryggingskv.14.gr.skalgildameWanleyfitilrekstursferWaskrifstofuergildi. S+! _Trygging_ԀskalveratiltkalltaWsexmnuWieftirbrottfallleyfisskv.21.gr.eWaeftiraW " starfsemierhtt. # @tt&^16.gr. !W%  y XeimviWskiptavinumferWaskrifstofusemYegareru_alferW_ԀskalgertkleiftaWljkaferW J""& sinni.0YvfelstaWalltYaWsemviWskiptavinurhefurYegargreittogersamrmiviW #' _fyrirframkveWna_Ԁ_alferW_,hvortsemumflutning,gistingueWaaWra_fyrirframgreidda_Ԁhluta #( ferWareraWrWa,skalgreiWaaf_tryggingarf_ԀsvoaWhonumskleiftaWljkaferWsinni.Ekki $ ) erhinsvegarskyltaWgreiWaYaWsemviWskiptavinurkaupiraukalega,_Y.e._ԀhlutaferWarsem v%N!* ekkiteljasttil_fyrirframkveWinnar_Ԁ_alferWar_. A&"+  y ViWskiptavinursemhefurgreittinn_alferW_ԀhjferWaskrifstofuskalf_endurgreitt_ԀYaWf  '", semhannhefurgreitt,hvortsemendanlegursamningurum_alferWina_ԀhefurkomisteWaekki, '#- endaleggihannframfullngjandisnnunarggnum_innborgunina_. (z$.  y Xeirsemhafagreitt_alferW_ԀaWhlutaeWalluleytienekkihafiWferWskuluf_endurgreitt_ ( YaWfsemYeirhafaYegargreitt.   y Hafi_tryggingarf_ԀveriWnotaWtilaWgeraviWskiptavinikleiftaWljka_alferW_ԀsamrmiviW  upphaflegansamningerufrekarikrfurekkiteknartilgreina. a & ,  y Xegarum_heimflutning_ԀfarYegaeraWrWafyrirmilligngu_FerWamlastofu_Ԁvegna T, _rekstrarstWvunar_ԀeWa_gjaldYrots_ԀferWaskrifstofu,Wuren_alferW_ԀerlokiW,skalaWeinsgreiddur  shluti_alferWarinnar_ԀerviWskiptavinit;kstekkiaWljka.  ',T y Einungisbeintfjrhagslegttj;naf_alferW_Ԁskalgreittaf_tryggingarf_ԀferWaskrifstofu&  en   _ekkert_Ԁtj;nsemre' kjamtilhugsanlegra;YgindaeWamiska.  X @tt&^17.gr.     y FjrhWtryggingarskv.14.gr.skalkvrWuWsamkvmteinumeftirfarandiliWaogskal    sniWurstaWagildasemgefurhstatryggingu:   ! ! ;(u889"A0J"  A0JG y2u  a  .3  Ԉ0    60%afveltutveggjasluhstu_mnaWanna_ԀrW,A0JGt݌wO    Ќ  "A0J"  A0Jy y2u  b  .3  Ԉ0    35%afveltufjgurrasluhstu_mnaWanna_ԀrWeWaA0Jy݌B    Ќ  "A0J"  A0J y2u  c  .3  Ԉ0    15%af_heildarveltu_Ԁri.A0Jޑ݌     Ќ  TryggingskalY;aldreinemalgrifjrhWen1_millj_._kr_.    y _SamgngurWherra_Ԁskalsetjareglurumb;khaldogreikningsskil_ferWaskrifstofa_ԀtilaW {  _aWskilja_Ԁslu_alferWa_ԀfrannarristarfsemiogtilaWnauWsynlegarupplUsingarviWmat nF _tryggingarfjrhW_Ԁliggifyrir. 9  y _FerWamlastofu_ԀerheimiltaWkrefjasthrritryggingarYeimtilfellumYegarum  _srstaklega_Ԁ_httusaman_ԀrekstureraWrWaeWaaWWruleytierlj;staWtryggingsamkvmt  lgumYessummunekkingjakomitil_gjaldYrots_ԀeWarekstrarstWvunarferWaskrifstofu. r @^^%^18.gr. 0  y TilaWunntsaWmetaupphWtryggingarskalumskjandiumleyfitilreksturs  _ferWaskrifstofu_ԀleggjaframmeWums;kntarlegatlunumrekstur,_greiWslustreymi_Ԁog  efnahagfyriryfirstandandiognstar.tluninniskalveraskiptmnuWiogtluW i _tryggingarskyld_Ԁvelta_srgreind_.tluninniskalfylgjastaWfesting_endurskoWanda_ԀaWhn \4 srtt_miWaW_ԀviWgefnarforsendur. '  y _FerWamlastofa_ԀleggurmatforsendurtlunarinnarogerheimiltaW;skaeftir  _samningum_ԀogWrumfrekariggnumsemstofnunintelurnauWsynlegtilmatstluninni.  _FerWamlastofa_ԀleggurmatfjrhWtryggingargrundvellifyrirliggjandigagna,enWur `  skalleita_umsagnar_Ԁ_lggilts_Ԁ_endurskoWanda_. S+!  y FerWaskrifstofurskulufyrir30.aprlrhvertsenda_FerWamlastofu_ԀendurskoWaWan " _rsreikning_Ԁognnurggnsemskilinerureglum,sbr.2.mgr.17.gr.,auk_tlunar_Ԁum # _fyrirhuguW_Ԁumsvifstarfsrinu._FerWamlastofa_ԀtekurkvrWungrundvelliYeirra  $ upplUsingaumhvortYrfsbreytingu_tryggingarfjrhW_ԀaWfenginniumsgn_lggilts_ !W% _endurskoWanda._ J""&  y _FerWamlastofu_ԀerheimiltaWtakagjldafferWaskrifstofumsemrennatil_FerWamlastofu_ #' tilaWstandastraumafeftirlitisamkvmtlgumYessum.FjrhW_gjaldanna_Ԁskalkomafram #( reglumsem_samgngurWherra_Ԁseturskv.2.mgr.17.gr.aWfengnumtillgum $ ) _FerWamlastofu._Ԁ_Gjldin_ԀskulustandaundirkostnaWiaf_b;khaldsranns;knum_ԀogWruYv v%N!* sem_nauWsynlegt_ԀertilaWsannreynafjrhWtryggingarhverjumtma. A&"+ @tt&^19.gr. '#-  y KomitilrekstrarstWvunareWa_gjaldYrots_ԀferWaskrifstofuskal_FerWamlastofa_Ԁltabirta (z$. skorunum_krfulUsingu_Ԁ_LgbirtingablaWi_.0skorunskalskoraviWskiptaviniaWleggja ( framskriflegar_krfulUsingar_Ԁ_tryggingarf_Ԁinnan60dagafrbirtingu_skorunar_.MeW  _krfulUsingum_ԀskulufylgjanauWsynlegsnnunarggnumkrfuna,svosem_farseWlar_Ԁog  _kvittanir_._FerWamlastofa_ԀkveWurhvaWaggnerufullngjandisemsnnunumkrfu. a kvrWunum_FerWamlastofu_Ԁmskj;tatilrWuneytisins. T, @tt&^2&  0.gr.   y _FerWamlastofu_Ԁ']erheimiltaWtilnefna_umsj;narmann_ԀtilaWsjumuppgjr_tryggingarfjr_.   _Umsj;narmaWur_ԀskalhafameWhndumumsUsluvegna_heimflutnings_ԀfarYegaog  X _endurgreiWslu_Ԁaf_tryggingarf_ԀferWaskrifstofu.KostnaWurviWstrf_umsj;narmanns_Ԁskal K #  greidduraf_tryggingarf_.      _VI_.KAFLI    Brottfallleyfis.  wO  21.gr. B  R y Leyfitilreksturs_ferWaskipuleggjanda_ԀogferWaskrifstofufellurniWuref_leyfishafi_ԀeWa    forsvarsmaWur_leyfishafa_ԀverWurgjaldYrotaeWaersviptur_fjrrWi_.EinnigfellurleyfiWniWur   eftryggingssemferWaskrifstofuerskyltaWsetjaskv.V.kaflafellurniWureWafullngir {  ekkikvWumlagaYessara. nF  y _FerWamlastofa_Ԁgeturfelltrgildileyfitilreksturs_ferWaskipuleggjanda_ԀeWa 9 ferWaskrifstofuef_leyfishafi_ԀeWaforsvarsmaWuruppfyllirekkilengurskilyrWi9.gr.og  jafnframtef_leyfishafi_ԀeWaforsvarsmaWurverWuruppvsaWmisnotkunleyfieWamyndrnu  auWkenni_FerWamlastofu_ԀeWabrUturannanhttgegnkvWumlaganna. r  y Einniger_FerWamlastofu_ԀheimiltaWfellaleyfiniWuref_ferWaskrifstofa_Ԁuppfyllirekki e= _skilyrWi_Ԁ18.gr.umskil_rsreikningum_ԀogWrumggnumsemerunauWsynlegtilmats 0 _fjrhW_Ԁtryggingarskv.14.gr.eWaef_ferWaskrifstofa_ԀsinnirekkikvrWun_FerWamlastofu_  um_hkkun_Ԁ_tryggingarfjrhWar_ԀinnanmnaWarfrYvaWkvrWunumhkkunertilkynnt.  @tt&^22.gr. \4  y Wurenleyfierfelltrgildiskv.2.og3.mgr.21.gr.skal_FerWamlastofa_ԀsendaviWvrun ' umfyrirhugaWaniWurfellinguleyfisYarsemkomaskalframtilefniniWurfellingarogskal  _leyfishafa_Ԁgefinn_frestur_Ԁ_a.m.k._Ԁ14dagatilaWbtarannmrkum.   y EftilniWurfellingarskv.2.og3.mgr.21.gr.kemurskal_FerWamlastofa_Ԁsenda_leyfishafa_ `  skriflegatilkynninguYessefnisogumfrhvaWatmaleyfitelstniWurfalliW. S+!  y _FerWaskipuleggjandi_ԀeWa_ferWaskrifstofa_Ԁsemsvipterleyfiskalskila_leyfisbrfi_Ԁtil " _FerWamlastofu_ԀntafarfrYvaWtilkynningskv.2.mgr.berst. #  y _FerWamlastofa_ԀskalauglUsameW_tryggilegum_ԀhttiYegarumbrottfallleyfiseraWrWa  $ bWi_LgbirtingablaWi_Ԁog_heimasWu_Ԁsinni.Jafnframtgetur_FerWamlastofa_ԀauglUst !W% brottfallleyfisannanhtteinsogheppilegtYykirhverjusinni. J""& & ,  y NiWurfellingleyfisferWaskrifstofuskv.2.og3.mgr.21.gr.jafngildirYvaWum #' _rekstrarstWvun_ԀsaWrWaoggildakvWiV.kaflaervarWar_tryggingarskylda_Ԁstarfsemi #( _ferWaskrifstofunnar._ $ ) ',#Y  _VII_.KAFLI A&"+  TmiskvWi.   '", 23.gr. '#-  y RWherraerheimiltaWsetjareglugerWumskipulagferWamlasamkvmtlgumYessum. (z$. Ї@tt&^24.gr. (  y llYj;nustaferWaskrifstofusemveitter_rafrnan_Ԁhttskalfaraeftirlgumnr.30/2002,  um_rafrn_ԀviWskiptiogaWra_rafrna_ԀYj;nustu.  @tt&^& a 25.gr. T,  y _Stj;rnsUslukvrWunum_Ԁ_FerWamlastofu_,svosemumsynjuntgfu  _ferWaskipuleggjanda-_ԀeWa_ferWaskrifstofuleyfis_,kvrWunumbro'aTttfallleyfiseWakvrWun  umtilhvaWaflokks_Yj;nusta_ԀheyrirsamkvmtlgumYessum,mskj;tatilrWuneytisins.   Um_mlsmeWferW_Ԁfer_samkvmt_Ԁ_stj;rnsUslulgum_,nr.37/1993.  X ̀@tt&^26.gr.     y Leyfis-og_skrningarskyld_ԀstarfsemisamkvmtlgumYessumsemstunduWern    _tilskilins_ԀleyfiseWaskrningarvarWarsektumnemaYyngrirefsingliggiviWsamkvmtWrum   lgum. wO   y MeWbrotgegnlgumYessumskalfariWaWhttilagaummeWferWopinberramla. B   y Efleyfis-og_skrningarskyld_ԀstarfsemisamkvmtlgumYessumerrekinn_tilskilins_    leyfiseWaskrningarerunntaWleitad;msrskurWarumstWvunstarfseminnar,YarmeWal   meWlokun_starfsstWvar_Ԁoglokun_heimasWu_. {  @tt&^27.gr. 9  y _FerWamlastofa_Ԁinnheimtirgjaldfyrirtgfu_starfsleyfa_Ԁogskrningustarfsemi  _samkvmt_Ԁgjaldskr,staWfestriafrWherra.ViWgjaldtkuskaltakamiWafkostnaWiviW  veitinguYj;nustunnar. r @tt&^28.gr. 0  y RWherraerheimiltaWkveWa,aWfenginniumsgn_FerWamlastofu_,aWgreittskuli  _sanngjarnt_ԀgjaldfyrirYj;nustusemveitter_ferWamannastWum_ԀendasfYaWsemYannig  _safnast,_ԀaWfrdregnum_innheimtukostnaWi_,eingngunotaWtilverndar,fegrunarog_snyrtingar_ i viWkomandistaWarogtilaWbtaaWstWutilm;ttkuferWamanna. \4  y kvWiYessitakaY;ekkitil_Yj;WgarWa_ԀeWaannarrasvWavegum_Umhverfisstofnunar_ ' nemasamYykkihennarkomitil.    _VIII_.KAFLI `   _Gildistaka_.  S+! 29.gr. "  y LgYessitakagildi1.janar2006. #  y MeWlgumYessumerufelldrgildilgnr.117/1994,umskipulagferWamla.  $ @^ kvWitilbrWabirgWa.  J""&  y ViWgildistkulagaYessaratekur_FerWamlastofa_ԀviWllum_einkarttarlegum_Ԁrttindum #' ogskuldbindingumskrifstofu_FerWamlarWs_,svosemaWildaW_leigusamningum_Ԁog #( _samstarfssamningum_Ԁinnanlandsogutan.Eignir_FerWamlarWs_Ԁrennatil_FerWamlastofu_. $ ) XgildarWningarsamningarsemskrifstofaFerWamlarWshefurgertviWstarfsf;lksittfram v%N!* gagnvartFerWamlastofu.SkipunferWamlastj;raskaljafnframthaldagildisnut A&"+  _skipunartma._  '",  y &  Leyfishafar,semhafatgefinoggildleyfitilrekstursferWaskrifstofuYegarlgYessitaka (  gildi,skuluskilaleyfum'(`Ԁ&   ogskjaumnUtilFerWamlastofuinnansexmnaWafr ( _gildistku_ԀlagaYessara.'(   y llleyfitilrekstursferWaskrifstofusemgefinhafiveriWtfyrirgildistkulagaYessara  fallargildisexmnuWumeftirgildistkulaganna. a A%N)  dE A  X @ ^X7XSamYykktAlYingi11.ma2005.#XX72#Ԉ