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Virkatvinnuleit. `  #Z y StelstveravirkriatvinnuleitsemuppfyllireftirtalinskilyrWi: S+! ! ! *(g00*"A0J"  A0J[ y2g  a  .3  Ԉ0    erfrtilflestraalmennrastarfa,A0J[[݌"   Ќ  "A0J"  A0J\ y2g  b  .3  Ԉ0    hefurfrumkvWiaWstarfsleitogerreiWubinnaWtakahvertYaWstarfsemgreitterfyrir # samkvmtlgumogkjarasamningum,sbr.1.gr.laganr.55/1980,umstarfskjr  $ launaf;lksogskyldutryggingulfeyrisrttinda,oguppfyllirskilyrWiannarralaga,A0J\\݌!W%   Ќ  "A0J"  A0J^ y2g  c  .3  Ԉ0    hefurviljaoggetutilaWtakastarfinsrstaksfyrirvara,A0J^^݌J""&   Ќ  "A0J"  A0J_ y2g  d  .3  Ԉ0    erreiWubinnaWtakastarfihvarsemer0slandi,A0J__݌#'   Ќ  "A0J"  A0J` y2g  e  .3  Ԉ0    erreiWubinnaWtakastarfi;hWYvhvortumfulltstarfeWahlutastarferaWrWaeWa #( vaktavinnu,A0J` a݌$ )   Ќ  "A0J"  A0JLb y2g  f  .3  Ԉ0    ekkirttlaunumeWaWrumgreiWslumtengslumviWstrfvinnumarkaWiYanntma v%N!* semhanntelstveravirkriatvinnuleitnemakvWi17.eWa22.gr.eigiviW,A0JLbyb݌A&"+   Ќ  "A0J"  A0Jc y2g  g  .3  Ԉ0    hefurviljaoggetutilaWtakaYttvinnumarkaWsaWgerWumsemstandahonumtilboWa,  '", ogA0Jc*d݌'#-   Ќ  "A0J"  A0JXe y2g  h  .3  Ԉ0    erreiWubinnaWgefaVinnumlastofnunnauWsynlegarupplUsingartilaWaukalkurhans (z$. aWfstarfviWhfioggefahonumkostYtttkuvinnumarkaWsaWgerWum.A0JXee݌(   Ќ   y HinntryggWiskaltilkynnaVinnumlastofnunumYrbreytingarsemkunnaaWverWa  vinnufrnihanseWaaWstWumaWWruleytiskv.h-liW1.mgr.nstWulausrartafar.   y XtttakavinnumarkaWsaWgerWumkemurekkivegfyriraWhinntryggWitakistarfisem a bUWstYeimtma. T,  y VinnumlastofnunerheimiltaWveitaundanYgufrskilyrWumb-,d-oge-liWar1.mgr.  YannigaWhinntryggWi,semvegnaaldurs,flagslegraaWstWnasemtengjastskertri  vinnufrnieWaumnnunarskylduvegnaungrabarnaeWaannarraninnafjlskyldumeWlima   ;skareftirhlutastarfieWastarfiinnantiltekinssvWis,getitalistveravirkriatvinnuleit.Enn  X fremurerheimiltaWtakatillittilaWstWnahinstryggWasemgeturekkisinnttilteknum K #  strfumvegnaskertrarvinnufrnisamkvmtmatisrfrWilknis.     y FlagsmlarWherraerheimiltaWkveWareglugerW,aWfenginniumsgnstj;rnar    Atvinnuleysistryggingasj;Ws,nnarumvirkaatvinnuleit,svosemhvaWaupplUsingar   VinnumlastofnunerunauWsynlegarskv.h-liW1.mgr.,ogumundanYgurskv.4.mgr. wO    15.gr.    vinnslutmabil.   l y LaunamaWur,sbr.a-liW3.gr.,telstaWfullutryggWursamkvmtlgumYessumeftiraW {  hafastarfaWsamfelltsWustut;lfmnuWuminnlendumvinnumarkaWiWurenhannskir nF umatvinnuleysisbturtilVinnumlastofnunaraWWrumskilyrWumlagannauppfylltum,sbr. 9 Y;4.mgr.   y LaunamaWur,semstarfaWhefurskemurent;lfmnuWienlengurenYrjmnuWisWustu  t;lfmnuWuminnlendumvinnumarkaWiWurenhannskirumatvinnuleysisbturtil r Vinnumlastofnunar,telsttryggWurhlutfallslegasamrmiviWlengdstarfstmaaWWrum e= skilyrWumlagannauppfylltum,sbr.einnig4.mgr. 0  y Nm,sbr.c-liW3.gr.,semlaunamaWurhefurstundaWa.m.k.sexmnuWisWustut;lf  mnuWumWurenhannskirumatvinnuleysisbturtilVinnumlastofnunarsvarartil  YrettnviknavinnuframlagsfullustarfiendahafihannsannanlegalokiWnminuogstarfaW i a.m.k.YrjmnuWiinnlendumvinnumarkaWivinnslutmabilinu.VottorWfr \4 hlutaWeigandisk;laskalfylgjaums;knumatvinnuleysisbturYarsemframkemuraW ' launamaWurhafistundaWnmiWoglokiWYv.HeimildYessigetureinungiskomiWtil  hkkunartryggingarhlutfallilaunamannseinusinnihverjutmabiliskv.29.gr.   y XrttfyrirkvWi1.!3.mgr.geturtryggingarhlutfalllaunamannsaldreiorWiWhrraen `  semnemurstarfshlutfallihansvinnslutmabilinueWaYvstarfshlutfallisemhanner S+! reiWubinnaWrWasigtil,sbr.4.mgr.14.gr.HafilaunamaWurekkiveriWsama " starfshlutfallialltvinnslutmabiliWskalmiWaviWmeWalstarfshlutfallhansYeimtma. #  y FWingarorlofsamkvmtlgumumfWingar-ogforeldraorloftelsttilstarfstma  $ vinnslutmabili.ViWmatstarfshlutfallilaunamannsfWingarorlofivinnslutmabilinu !W% skalltatilYessstarfshlutfallssemhannvarfjgurramnaWatmabilierhefsttveimur J""& mnuWumfyrirupphafsdagfWingarorlofssamkvmtlgumumfWingar-ogforeldraorlof. #' SamaviWumYanntmaerverkfalleWaverkbannstenduryfirsemtekurtilstarfa #( launamannsvinnslutmanum.SkalYmiWaviWstarfshlutfallhansalmanaksmnuWinum $ ) WurenverkfalleWaverkbannh;fst. v%N!*  y HeimilteraWtakatillittilstarfssemunniWermeWnmiviWtreikning A&"+ atvinnuleysistryggingulaunamannsenYtelstnmiWekkitilvinnuframlagshansskv.3.mgr.  '",  y Vinnuframlagsj;mannamiWastviWfjldalgskrningardaga.MnaWarvinnasj;manna '#- telstvera21,67lgskrningardagar. (z$.  y LaunamaWurskalverafullra16raYegarvinnslutmabilsamkvmtkvWiYessuhefst. (  y HafilaunamaWureinnigveriWsjlfstttstarfandieinstaklingur,sbr.b-liW3.gr.,sWustu  t;lfmnuWumWurenhannskirumatvinnuleysisbturtilVinnumlastofnunarskaltaka  miWafllumstrfumhansviWkvrWunatvinnuleysistrygginguhans. a  y FlagsmlarWherraerheimiltaWkveWareglugerW,aWfenginniumsgnstj;rnar T, Atvinnuleysistryggingasj;Ws,nnarumvinnslutmabil,svosemskryfirhlutfallsYrep.    Ӏ16.gr.   VottorWvinnuveitanda.  X f} y LaunamaWur,sbr.a-liW3.gr.,skalleggjaframvottorWfyrrverandivinnuveitandaerhann K #  skirumatvinnuleysisbtur.VottorWiWskalveraskriflegtYartilgerWueyWublaWiYarsem    meWalannarskemurframstarfstmihjvinnuveitandavinnslutmabiliskv.15.gr.samt    starfshlutfallihans.EnnfremurskaltilgreinastWurYessaWlaunamaWurhttistrfumhj   vinnuveitanda,hvorthannhafitekiWtorlofsittviWslitrWningarsamningioghvernig wO  greiWslumvegnastarfslokahafiveriWhttaW. B   y VinnumlastofnunerheimiltaW;skaeftirfrekariupplUsingumfrvinnuveitandaog    skattyfirvldumtilaWstaWreynaYrupplUsingarerframkomavottorWiskv.1.mgr.    y XegarlaunamaWurYessekkikostaWleggjaframvottorWvinnuveitandaskalltatil {  annarragagnasemfrasnnurstrflaunamannshjvinnuveitanda. nF   17.gr.  AtvinnuleysistryggingarsamhliWaminnkuWustarfshlutfalli.  ` y LaunamaWur,sbr.a-liW3.gr.,semmissirstarfsittaWhlutatelsthlutfallslegatryggWur r samkvmtlgumYessumognemurtryggingarhlutfalliWmismunrttarhanshefWihannmisst e= starfsittaWlluleyti,sbr.15.gr.,ogYessstarfshlutfallssemhanngegnirfram,frYeim 0 tmaerhannmisstistarfsittaWhlutanemaannaWleiWiaflgumYessum.HiWsamagildir  YegarlaunamaWurmissirstarfsittenrWursigtilstarfaminnastarfshlutfallhjWrum  vinnuveitanda. i  y kvWiYettaekkiviWYegarlaunamaWurkveWursjlfuraWdragarstarfshlutfallisnu. \4 AWWruleytigildakvWilagaYessaraumatvinnuleysistryggingulaunamannsins,Yar ' meWalskilyrWiWumaWveravirkriatvinnuleitskv.14.gr.    IV.KAFLI `   SkilyrWifyriratvinnuleysistryggingumsjlfstttstarfandieinstaklinga.  S+! 18.gr. " AlmennskilyrWifyriratvinnuleysistryggingumsjlfstttstarfandieinstaklinga. #  y Sjlfstttstarfandieinstaklingur,sbr.b-liW3.gr.,semuppfyllireftirtalinskilyrWitelst  $ tryggWursamkvmtlgumYessumnemaannaWleiWiafeinstkumkvWumYeirra: !W% ! ! *(g00*"A0J"  A0J y2g  a  .3  Ԉ0    ervirkriatvinnuleit,sbr.14.gr.,A0J݌J""&   Ќ  "A0J"  A0J y2g  b  .3  Ԉ0    erorWinn16raaWaldrienyngrien70ra,A0J݌#'   Ќ  "A0J"  A0Jɋ y2g  c  .3  Ԉ0    erbsetturhrlandi,sbr.Y;VIII.kafla,A0Jɋ݌#(   Ќ  "A0J"  A0J، y2g  d  .3  Ԉ0    hefurheimildtilaWrWasigtilvinnuhrlandintakmarkana,A0J،݌$ )   Ќ  "A0J"  A0J y2g  e  .3  Ԉ0    hefurveriWsjlfstttstarfandieinstaklingurvinnslutmabiliskv.19.gr.ogstarfsemi v%N!* hanstelstekkiverahlutiafsrstkumvinnumarkaWsaWgerWum,sbr.Y;V.kafla,A0J)݌A&"+   Ќ  "A0J"  A0J y2g  f  .3  Ԉ0    hefurstWvaWrekstur,sbr.20.gr.,A0J֏݌ '",   Ќ  "A0J"  A0J y2g  g  .3  Ԉ0    leggurframstaWfestinguumstWvunrekstrar,sbr.21.gr.,ogvottorWfrsk;laYegarYaW '#- viW,sbr.3.mgr.19.gr.,A0Jܐ݌(z$.   Ќ  "A0J"  A0J. y2g  h  .3  Ԉ0    hefurstaWiWskilgreiWslutryggingagjaldsogstaWgreiWsluskattsafreiknuWuendurgjaldi ( samkvmtkvrWunskattyfirvaldaviWstWvunrekstrar,A0J.[݌   Ќ  "A0J"  A0Jʓ y2g  i  .3  Ԉ0    hefurveriWatvinnuleitsamfelltYrjvirkadagafrYvaWums;knum  atvinnuleysisbturbarstVinnumlastofnun.A0Jʓ݌a   Ќ   y VinnumlastofnunerheimiltaWveitaundanYgufrh-liW1.mgr.Yegarsjlfsttt T, starfandieinstaklingurhefurekkistaWiWskilgreiWslutryggingagjaldsogstaWgreiWsluskatts  afreiknuWuendurgjaldisamkvmtkvrWunskattyfirvaldaviWstWvunrekstrarengreiWir  sWanYessigjldafturtmann.ViWkvrWuntryggingarhlutfallisjlfstttstarfandi   einstaklingserY;einungisheimiltaWmiWaaWhmarkiviWYrjmnuWiafYeimtmaer  X vanskilinttuviWum. K #    19.gr.    vinnslutmabil.    y Sjlfstttstarfandieinstaklingur,sbr.b-liW3.gr.,telstaWfullutryggWursamkvmtlgum wO  YessumeftiraWhafastarfaWsamfelltsWustut;lfmnuWuminnlendumvinnumarkaWiWur B  enhannskirumatvinnuleysisbturtilVinnumlastofnunaraWWrumskilyrWumlaganna    uppfylltum,sbr.Y;4.mgr.    y Sjlfstttstarfandieinstaklingur,semstarfaWhefurskemurent;lfmnuWienlenguren {  YrjmnuWisWustut;lfmnuWuminnlendumvinnumarkaWiWurenhannskirum nF atvinnuleysisbturtilVinnumlastofnunar,telsttryggWurhlutfallslegasamrmiviWlengd 9 starfstmaaWWrumskilyrWumlagannauppfylltum,sbr.einnig4.mgr.   y Nm,sbr.c-liW3.gr.,semsjlfstttstarfandieinstaklingurhefurstundaWa.m.k.sex  mnuWisWustut;lfmnuWumWurenhannskirumatvinnuleysisbturtil r VinnumlastofnunarsvarartilYrettnviknavinnuframlagsfullustarfiendahafihann e= sannanlegalokiWnminuogstarfaWa.m.k.YrjmnuWiinnlendumvinnumarkaWi 0 vinnslutmabilinu.VottorWfrhlutaWeigandisk;laskalfylgjaums;knum  atvinnuleysisbturYarsemframkemuraWsjlfstttstarfandieinstaklingurhafistundaW  nmiWoglokiWYv.HeimildYessigetureinungiskomiWtilhkkunartryggingarhlutfalli i sjlfstttstarfandieinstaklingseinusinnihverjutmabiliskv.29.gr.Sjlfstttstarfandi \4 einstaklingurtelstvalltverafullustarfi.TryggingarhlutfallhansgeturY;aldreiorWiW ' hrraensemnemurYvstarfshlutfallisemhannerreiWubinnaWrWasigtil,sbr.4.mgr.14.  gr.   y TilaWfinnavinnuframlagsjlfstttstarfandieinstaklingavinnslutmabiliskv.1.og2. `  mgr.skaltakamiWafskrmskattyfirvalda,sbr.einnigh-liW1.mgr.18.gr. S+!  y FWingarorlofsamkvmtlgumumfWingar-ogforeldraorloftelsttilstarfstma " vinnslutmabili. #  y HeimilteraWtakatillittilstarfssemunniWermeWnmiviWtreikning  $ atvinnuleysistryggingusjlfstttstarfandieinstaklingsenYtelstnmiWekkitil !W% vinnuframlagshansskv.3.mgr. J""&  y &  Sjlfstttstarfandieinstaklingurskalverafullra16raYegarvinnslutmabilsamkvmt #' kvWiYessuhefst.'#C #(  y HafisjlfstttstarfandieinstaklingureinnigveriWlaunamaWur,sbr.a-liW3.gr.,sWustu $ ) t;lfmnuWumWurenhannskirumatvinnuleysisbturtilVinnumlastofnunarskaltaka v%N!* miWafllumstrfumhansviWkvrWunatvinnuleysistrygginguhans. A&"+  y FlagsmlarWherraerheimiltaWkveWareglugerW,aWfenginniumsgnstj;rnar  '", Atvinnuleysistryggingasj;Ws,nnarumvinnslutmabil. '#-  (z$. @   n     &  20.gr. ( StWvunrekstrar.'(   y Sjlfstttstarfandieinstaklingur,sbr.b-liW3.gr.,telsthafastWvaWreksturhafihann  tilkynnttillaunagreiWendaskrrrkisskattstj;raaWhannhafistWvaWreksturogaWll a starfsemihafiveriWstWvuW.XegarmetiWerhvortstarfsemihafiveriWstWvuWskalltatil T, hreyfingavirWisaukaskattsskrrkisskattstj;ra.HeimilteraWtakatillittilhreyfinga  virWisaukaskattsskrvegnaeignasluendahafisjlfstttstarfandieinstaklingurlagtfram  yfirlUsinguYessefnisaWhannhyggisthttarekstri.    y EnnfremurtelstsjlfstttstarfandieinstaklingurhafastWvaWreksturhafihanntilkynnt  X skrningarnmersittafskr,sUntframaWatvinnutkihafiveriWseldeWaafskrW, K #  reksturinnframseldurWrumeWahannhafiveriWtekinntilgjaldYrotaskipta.      21.gr.   StaWfestingumstWvunrekstrar. wO  M y Sjlfstttstarfandieinstaklingur,sbr.b-liW3.gr.,skalleggjaframstaWfestinguYvaW B  hannhafistWvaWreksturskv.20.gr.StaWfestinginskalfelasr:    ! ! *(g00 *"A0J"  A0JU y2g  a  .3  Ԉ0    yfirlUsinguumaWllstarfsemihafiveriWstWvuWogstWurYess,ogA0JU݌    Ќ  "A0J"  A0J y2g  b  .3  Ԉ0    afritaftilkynningutillaunagreiWendaskrrrkisskattstj;raumaWreksturhafiveriW {  stWvaWur,vottorWfrskattyfirvldumumaWskrningarnmerhanshafiveriWtekiWaf nF skreWannurviWeigandiggnfropinberumaWilumerstaWfestakunnastWvun 9 rekstrar.A0J݌   Ќ    22.gr. r AtvinnuleysistryggingarsamhliWaminnkuWustarfshlutfalli. e= װ y Sjlfstttstarfandieinstaklingur,sbr.b-liW3.gr.,semmissirstarfsittenrWursigsem 0 launamaWur,sbr.a-liW3.gr.,tilstarfaminnastarfshlutfalltelsthlutfallslegatryggWur  samkvmtlgumYessum.TryggingarhlutfallhansnemurmismunrttarhanshefWihann  misststarfsittaWlluleyti,sbr.19.gr.,ogYessstarfshlutfallssemhanngegnirsem i launamaWur,frYeimtmaerhannh;fstrfhinunUjastarfi.AWWruleytigildakvWilaga \4 Yessaraumatvinnuleysistryggingusjlfstttstarfandieinstaklings,YarmeWalskilyrWiWum ' aWveravirkriatvinnuleitskv.14.gr.    V.KAFLI `   TilvikerleiWatilYessaWatvinnuleysistryggingargeymast.  S+! 23.gr. " XtttkuvinnumarkaWihtttmabundiW. #  y SsemtelsttryggWursamkvmtlgumYessumoghverfurafvinnumarkaWigeturgeymt  $ YegarunnaatvinnuleysistryggingualltaW24mnuWifrYeimdegierhannsannanlega !W% httistrfum. J""&  y StmisemhinntryggWistarfarinnlendumvinnumarkaWitmabilinuskv.&  1.mgr.telst #' tilvinnslutmabils'# skv.15.eWa19.gr.eftirYvsemviW. #(  y ViWtreikningavinnslutmabiliskv.15.eWa19.gr.Yegarkemurtilgeymdrar $ ) atvinnuleysistryggingarskalltatilsWustut;lfmnaWasemhinntryggWihefurstarfaW v%N!* innlendumvinnumarkaWisWustu36mnuWumfrm;ttkuums;knarendaleiWiekkiannaW A&"+ aflgumYessum.  '",  y & a SkihinntryggWiekkiumatvinnuleysisbturinnan24mnaWafrYeimdegierhann '#- sannanlegahvarfafvinnumarkaWifellurrtturhanstilaWgeymaatvinnuleysistrygginguna (z$. niWur.'a'U m)E%/  y kvWiYettaekkiviWumYsemfgreiddaratvinnuleysisbturWrumrkjumeWa ( samkvmtkvWumVIII.kaflafyrirsamatmabil.    24.gr. a MinnkaWstarfshlutfall. T, L y LaunamaWur,sbr.a-liW3.gr.,semminnkarstarfshlutfallsittgeturgeymtYegarunna  atvinnuleysistryggingualltaW24mnuWifrYeimdegierhannsannanlegaminnkaWi  starfshlutfallsitt.SamaviWumsjlfstttstarfandieinstakling,sbr.b-liW3.gr.,semrWur   sigtilstarfasemlaunamaWurhlutastarf,sbr.22.gr.  X  y StmisemlaunamaWurstarfarinnlendumvinnumarkaWitmabilinuskv.1.mgr. K #  samaeWahrrastarfshlutfallienhannvarWurtelsttilvinnslutmabilsskv.15.gr.     y ViWtreikningavinnslutmabiliskv.15.eWa19.gr.Yegarkemurtilgeymdrar    atvinnuleysistryggingarskalltatilYeirrat;lfmnaWasemhinntryggWistarfaWiinnlendum   vinnumarkaWihstastarfshlutfallisWustu36mnuWumfrm;ttkuums;knarendaleiWi wO  ekkiannaWaflgumYessum. B   y SkihinntryggWiekkiumatvinnuleysisbturinnan24mnaWafrYeimdegierhann    sannanlegaminnkaWistarfshlutfallsittfellurrtturhanstilaWgeyma   atvinnuleysistryggingunaniWur. {   y kvWiYettaekkiviWumYsemfgreiddaratvinnuleysisbturWrumrkjumeWa nF samkvmtkvWumVIII.kaflafyrirsamatmabil. 9   25.gr.  Nm. r  y SsemtelsttryggWursamkvmtlgumYessumoghverfurafvinnumarkaWitilaWstunda e= nm,sbr.c-liW3.gr.,geturgeymtYegarunnaatvinnuleysistryggingualltaW36mnuWifr 0 YeimdegierhannsannanlegahttistrfumendahafihannsannanlegalokiWnminu.   y StmisemhinntryggWistarfarinnlendumvinnumarkaWitmabilinuskv.1.mgr.telst  tilvinnslutmabilsskv.15.eWa19.gr.eftirYvsemviW. i  y ViWtreikningavinnslutmabiliYegarkemurtilgeymdraratvinnuleysistryggingarskal \4 ltatilsWustut;lfmnaWasemhinntryggWihefurstarfaWinnlendumvinnumarkaWi ' sWustu48mnuWumfrm;ttkuums;knarendaleiWiekkiannaWaflgumYessum.   y SkihinntryggWiekkiumatvinnuleysisbturinnan36mnaWafrYeimdegierhann  sannanlegahttistrfumeWahefurekkilokiWnmiinnanYesstmafellurrtturhanstilaW `  geymaatvinnuleysistryggingunaniWur. S+!  y kvWiYettaekkiviWumYsemfgreiddaratvinnuleysisbturWrumrkjumeWa " samkvmtkvWumVIII.kaflafyrirsamatmabil. # &    26.gr. !W% :vinnufrnivegnasjkd;mseWaslyss.'!  J""& , y SsemtelsttryggWursamkvmtlgumYessumoghverfurafvinnumarkaWiverWihann #' ;vinnufrvegnasjkd;mseWaslyssgeturgeymtYegarunnaatvinnuleysistrygginguYann #( tmasemhanner;vinnufr. $ )  y & a ViWtreikningavinnslutmabiliskv.15.eWa19.gr.Yegarkemurtilgeymdrar v%N!* atvinnuleysistryggingarskalltatilsWustut;lfmnaWafrYeimtmaerhinntryggWi A&"+ sannanlegahttistrfumogtmabilskv.1.mgr.h;fst.'av%  '",  y SkihinntryggWiekkiumatvinnuleysisbturinnansexmnaWafrYeimdegierhann '#- varWvinnufrnUfellurrtturhanstilaWgeymaatvinnuleysistryggingunaniWurendaeigi (z$. kvWi23.gr.ekkiviW. (  y VottorWsrfrWilkniserannaWisthinntryggWaskalfylgjaums;knum  atvinnuleysisbturYarsemmeWalannarsskalkomaframhvenrhannvarW;vinnufrog  hvenrhannvarWvinnufrnU. a  y kvWiYettaekkiviWumYsemfgreiddaratvinnuleysisbturWrumrkjumeWa T, samkvmtkvWumVIII.kaflafyrirsamatmabil.    27.gr.   Afplnunrefsingar.  X p y SsemtelsttryggWursamkvmtlgumYessumoghverfurafvinnumarkaWiYarsemhann K #  tekurtrefsingusnasamkvmtd;migeturgeymtYegarunnaatvinnuleysistryggingu    YangaWtilhannhefurlokiWafplnunrefsingar.     y ViWtreikningavinnslutmabiliskv.15.eWa19.gr.Yegarkemurtilgeymdrar   atvinnuleysistryggingarskalltatilsWustut;lfmnaWafrYeimtmaerhinntryggWi wO  sannanlegahttistrfumogtmabilskv.1.mgr.h;fst. B   y SkihinntryggWiekkiumatvinnuleysisbturinnansexmnaWafrYeimdegierafplnun    refsingarhanslaukfellurrtturhanstilaWgeymaatvinnuleysistryggingunaniWurendaeigi   kvWi23.gr.ekkiviW. {   y VottorWfrfangelsismlayfirvldumskalfylgjaums;knumatvinnuleysisbturYarsem nF meWalannarsskalkomaframYaWtmabilsemafplnunrefsingarst;Wyfir. 9  y kvWiYettaekkiviWumYsemfgreiddaratvinnuleysisbturWrumrkjumeWa  samkvmtkvWumVIII.kaflafyrirsamatmabil.    28.gr. e= VirkriatvinnuleithtttmabundiW. 0 = y SsemhefurfengiWgreiddaratvinnuleysisbturskemmritmaen24mnuWienhttir  tmabundiWvirkriatvinnuleitgeturgeymtYegarunnaatvinnuleysistryggingualltaW24  mnuWifrYeimdegierhanns;ttiumatvinnuleysisbturendahafihannekkiWurnUttsr i heimildskv.23.!27.gr.AWWruleytigildir23.gr.umgeymdaratvinnuleysistryggingar. \4  y Ssemhttirvirkriatvinnuleitskv.1.mgr.tilaWstundanm,sbr.c-liW3.gr.,geturgeymt ' YegarunnaatvinnuleysistryggingualltaW36mnuWifrYeimdegierhannsannanlega  httivirkriatvinnuleitendahafihannsannanlegalokiWnminu.Xegars;tterafturum  atvinnuleysisbturskalmiWaviWatvinnuleysistryggingarhinstryggWaeinsogYrvoruWur `  enhannh;fnmiWnemaannaWleiWiaflgumYessum. S+!  y Ssemhttirvirkriatvinnuleitskv.1.mgr.vegnatil& a vikaerkvWi25.og26.gr.fjalla " umgeturgeymtYegarunnaatvinnuleysistryggingusamkvmtYeimkvWumeftirYvsem # viWgeturtt.'a*  $  y kvWiYettaekkiviWumYsemfgreiddaratvinnuleysisbturWrumrkjumeWa !W% samkvmtkvWumVIII.kaflafyrirsamatmabil. J""&   & , VI.KAFLI #(  Tmabilsematvinnuleysisbturerugreiddar.  $ ) 29.gr. v%N!* Lengdtmabilssematvinnuleysisbturerugreiddar.',# A&"+  y SsemtelsttryggWursamkvmtlgumYessumgeturttrttgreiWsluatvinnuleysisb;ta  '", samfelltYrjrfrYeimdegierVinnumlastofnunt;kviWums;knhansum '#- atvinnuleysisbturnemaannaWleiWiaflgumYessum.BiWtmieftirgreiWslu (z$. atvinnuleysisb;taskv.X.kaflatelsthlutitmabilsins.HiWsamaviWumYanntmaYegar ( greiddareruhlutfallslegaratvinnuleysisbtur,sbr.17.eWa22.gr.   y StmisemhinntryggWistarfarvinnumarkaWieftiraWtmabilskv.1.mgr.hefsttelst  ekkihlutitmabilsins.Ennfremurtelststmisematvinnuleysistryggingargeymastskv.V. a kaflaekkihlutitmabilsinsskv.1.mgr. T,  y TmabiliWskv.1.mgr.heldurframaWlWaYegarhinntryggWiskiraWnUjuum  atvinnuleysisbturtilVinnumlastofnunareftiraWhafastarfaWskemmritmaen24mnuWi  innlendumvinnumarkaWifrYvaWhannfkksWastgreiddaratvinnuleysisbtur.     30.gr. K #  EndurnUjuntmabilssematvinnuleysisbturerugreiddar.     y SsemtelsttryggWursamkvmtlgumYessumoghefurfengiWgreiddar    atvinnuleysisbtursamtalsYrjrskv.29.gr.geturunniWsrrttinnan   atvinnuleysistryggingakerfisinsaWnUjuaWliWnum24mnuWumendahafihannstarfaW wO  vinnumarkaWia.m.k.sexmnuWieftiraWfyrratmabililaukogmisststarfsittafgildum B  stWum.HefstYnUtttmabilskv.29.gr.enaWWruleytigildakvWiIII.ogIV.kaflaum    skilyrWiatvinnuleysistryggingarhinstryggWaeftirYvsemviWgeturtt.     31.gr. nF NUtttmabilskv.29.gr.hefstWurenfyrratmabililUkuraWfullu. 9 & y NUtttmabilskv.29.gr.hefstYegarhinntryggWiskiraWnUjuumatvinnuleysisbturtil  VinnumlastofnunareftiraWhafastarfaWsamfelltinnlendumvinnumarkaWia.m.k.24  mnuWifrYvaWhannfkksWastgreiddaratvinnuleysisbtur.AWWruleytigildakvWi r III.ogIV.kaflaumskilyrWiatvinnuleysistryggingarhinstryggWaeftirYvsemviWgeturtt. e=   VII.KAFLI   FjrhWatvinnuleysisb;ta.   32.gr. i Tekjutengdaratvinnuleysisbtur. \4  y SsemtelsttryggWurskv.III.eWaIV.kaflaWlastrtttiltekjutengdraatvinnuleysisb;ta ' alltaWYrjmnuWifrYeimtmaergrunnatvinnuleysisbturskv.33.gr.hafaveriWgreiddar  samtalstuvirkadaganemaannaWleiWiaflgumYessum.   y Tekjutengdaratvinnuleysisbturlaunamannaskv.1.&  Ԁmgr.skulunema70%afmeWaltali `  heildarlaunaogskalmiWaviWsexmnaWatmabilsem'=ԀhefsttveimurmnuWumWuren S+! umskjandivarWatvinnulaus.TillaunateljasthverskonarlaunogaWrarY;knanirsamkvmt " lgumumtryggingagjaldenekkiskalmiWaviWtekjurafstrfumerumskjandigegnir # fram,sbr.17.og22.gr.EinungisskalmiWaviWmeWaltalheildarlaunafyrirYmnuWi  $ viWmiWunartmabilinusemumskjandihefurstarfaWinnlendumvinnumarkaWi.Aldreiskal !W% Y;miWaviWfrrimnuWienfj;raviWtreikningmeWaltaliheildarlauna. J""&  y Tekjutengdaratvinnuleysisbtursjlfstttstarfandieinstaklingaskv.1.mgr.skulunema #' 70%afmeWaltaliheildarlaunaogskalmiWaviWtekjuriWundanYvrisemumskjandi #( varWatvinnulaus.AWWruleytigildirkvWi2.mgr. $ )  y Btreikningartekjutengdumatvinnuleysisb;tumskulubyggjastupplUsingumsem v%N!* Vinnumlastofnunaflarumtekjurumskjandarskattframtlum,staWgreiWsluskrog A&"+ tryggingagjaldsskrskattyfirvalda.VinnumlastofnunskalleitastaWfestingarhj  '", skattyfirvldumYvaWupplUsingarrstaWgreiWsluskrogtryggingagjaldsskrhafiveriW '#- samrmiviWlagninguskattyfirvalda.XegarekkihafaveriWstaWinskilgreiWslumtil (z$. skattyfirvaldavegnalaunamannaskalltatilannarragagnasemfrasnnurtekjur ( launamannsviWmiWunartmabiliskv.2.mgr.   y TekjutengdaratvinnuleysisbturskulugreiWastfyriralladaganemalaugardagaog  sunnudagahverjutmabiliskv.29.gr. a  y Xrttfyrir1.og2.mgr.skalhmarksfjrhWtekjutengdraatvinnuleysisb;tahverjum T, mnuWimiWastviWtryggingarhlutfallhinstryggWaYannigaWYrnemialdreihrrifjrhW  en180.000kr.mnuWimiWaWviW;skertaatvinnuleysistryggingu,sbr.15.eWa19.gr.Til  aWfinnatatvinnuleysisbturfyrirhverndagskalmiWaviW21,67daga.    y SsemuppfyllirskilyrWiIII.eWaIV.kaflaenhefurekkistarfaWinnlendum  X vinnumarkaWiviWmiWunartmabiliskv.2.eWa3.mgr.Wlastrtttilgrunnatvinnuleysisb;ta K #  skv.33.gr.samrmiviWtryggingarhlutfallhansskv.15.eWa19.gr.HiWsamaviWYegar    tekjutengdaratvinnuleysisbturskv.1.mgr.reynastlgriengrunnatvinnuleysisbtursem    hinntryggWirttskv.33.gr.    y Xegartmabilskv.29.gr.heldurframaWlWaerhinntryggWiskiraWnUjuum wO  atvinnuleysisbturhannekkirttatvinnuleysisb;tumsamkvmtkvWiYessuendahafi B  hannWurfullnUttrttsinnskv.1.mgr.     y HinntryggWisemstirbiWtmaeftiratvinnuleysisb;tumsamkvmtkvWumX.kafla   skalekkieigartttekjutengdumatvinnuleysisb;tumsamkvmtkvWiYessu. {    33.gr. 9 Grunnatvinnuleysisbtur.   @  y SsemtelsttryggWurskv.III.eWaIV.kaflaWlastrtttilgrunnatvinnuleysisb;taviW  upphaftmabilsskv.29.gr.samrmiviWtryggingarhlutfallhansskv.15.eWa19.gr.nema r annaWleiWiaflgumYessum. e=  y SsemtelstaWfullutryggWurrtttil;skertragrunnatvinnuleysisb;tasemskulunema 0 4.431kr.dag.Lgmarksrtturtilatvinnuleysistryggingaveitirrtttilhluta  grunnatvinnuleysisb;ta.   y GrunnatvinnuleysisbturskulugreiWastfyriralladaganemalaugardagaogsunnudaga i hverjutmabiliskv.29.gr.FjrhWgrunnatvinnuleysisb;taskv.2.mgr.oghmark \4 tekjutengdraatvinnuleysisb;taskv.6.mgr.32.gr.komatilendurskoWunarviWafgreiWslu ' fjrlagarhvertmeWtillititilYr;unarlauna,verWlagsogefnahagsmla.X;er  flagsmlarWherraheimilt,aWfengnusamYykkirkisstj;rnar,aWbreytafjrhW  grunnatvinnuleysisb;taoghmarkitekjutengdraatvinnuleysisb;tatilhkkunarefverulegar `  breytingarverWalaunaYr;unogYj;WhagsforsendumfrafgreiWslufjrlaga.Xegar S+! WurgreindskilyrWileiWatilhkkunarfjrhWumskalflagsmlarWherrabreytaYeimmeW " reglugerW. #   &  34.gr. !W% Atvinnuleysisbturvegnaframfrsluskyldugagnvartbrnum. J""& D y SsemtelsttryggWurskv.III.eWaIV.kaflaoghefurframfrsluskyldugagnvartbrnum #' yngrien18raskaleigartt4%af;skertumgrunnatvinnuleysisb;tummeWhverjubarni #( frupphafitmabilsskv.29.gr.nemaannaWleiWiaflgumYessum.'!P $ )  y HeimilteraWskuldajafnakrfumInnheimtustofnunarsveitarflagaummeWlghins v%N!* tryggWasemstofnuninnihefurveriWfaliWaWinnheimtam;tiatvinnuleysisb;tumskv.1. A&"+ mgr.  '",   35.gr. (z$. TilhgungreiWslnaatvinnuleysisb;ta. ( U y Atvinnuleysisbturskulugreiddareftir,fyrirundanfarandimnuWeWahlutarmnuWi  YannigaWmiWistviW20.dagmnaWartil19.dagsnstamnaWar,fyrstavirkandaghvers  mnaWar. a   36.gr.  Frdrtturvegnatekna.   y XegarsamanlagWartekjurafhlutastarfihinstryggWa,sbr.17.eWa22.gr.,og   atvinnuleysisbturhansskv.32.!34.gr.eruhrriensemnemur;skertumrttihanstil  X atvinnuleysisb;taaWviWbttufrtekjumarkiskv.2.mgr.skalskerWaatvinnuleysisbturhans K #  umhelmingYeirrateknasemumframeru.HiWsamagildirumtekjurhinstryggWafyrir    tilfallandivinnu,elli-eWarorkulfeyrisgreiWslursamkvmtlgumumalmannatryggingar,    umelli-ogrorkulfeyrisgreiWslurralmennumlfeyrissj;Wumogsreignarsj;Wumog   fjrmagnstekjurhinstryggWa.EingnguskaltakatillittilYeirrateknasemhinntryggWihefur wO  haftYeimtmaerhannfrgreiddaratvinnuleysisbtur,stirbiWtmaeWaviWurlgum B  samkvmtlgumYessum.     y FrtekjumarkiWskalvera52.000kr.mnuWi.FjrhWfrtekjumarksinskemurtil   endurskoWunarviWafgreiWslufjrlagarhvertmeWtillititilYr;unarlauna,verWlagsog {  efnahagsmla.X;erflagsmlarWherraheimilt,aWfengnusamYykkirkisstj;rnar,aWbreyta nF fjrhWfrtekjumarksinstilhkkunarefverulegarbreytingarverWalaunaYr;unog 9 Yj;WhagsforsendumfrafgreiWslufjrlaga.XegarWurgreindskilyrWileiWatilhkkunar  fjrhWfrtekjumarksinsskalflagsmlarWherrabreytahennimeWreglugerW.    37.gr. e= Uppsfnunogverndrttinda. 0 2  y SsemfrgreiddaratvinnuleysisbturgreiWiraWlgmarki4%afatvinnuleysisb;tum  skv.32.og33.gr.lfeyrissj;WogAtvinnuleysistryggingasj;WurgreiWir8%m;tframlag.  HinumtryggWaeraWaukiheimiltaWgreiWasreignarsj;W. i  y Ssemfrgreiddaratvinnuleysisbturgetur;skaWeftirYvaWhaldaframaWgreiWatil \4 stttarflagssnsogsrYVinnumlastofnunumaWkomagreiWslunnitilhlutaWeigandi ' stttarflags.    38& , .gr. `  Endurmatrttitilatvinnuleysistrygginga. S+! '  y SsemhefurfengiWgreiddaratvinnuleysisbturskv.32.og33.gr.getur;skaWeftir " endurmatiatvinnuleysistryggingusinniskv.',5 ԀIII.eWaIV.kafla.,ogYarmeWendurtreikningi # fjrhWatvinnuleysisb;ta,YegarstarfstmabilhanshefurvaraWsamfelltlengurenYrj  $ mnuWiWurenhannskirafturumatvinnuleysisbturogtmabilskv.29.gr.heldurfram !W% aWlWa.SkalYtakamiWafnUjastarfstmabilinuogYesshlutaeldravinnslutmabilssem J""& ngirtilaWsamtalsverWimiWaWviWt;lfmnaWatmabil.:skihinntryggWiekkieftir #' endurtreikningimiWastatvinnuleysisbturviWfyrritreikninga. #(   39.gr. v%N!* LeiWrttingatvinnuleysisb;tum. A&"+  y HafibreytingarorWiWtekjuskattslagninguhinstryggWavegnateknasemtekjutengdar  '", atvinnuleysisbturerubyggWar,sbr.32.gr.,skalVinnumlastofnunleiWrttafjrhW '#- b;tannatilsamrmisviWlagninguskattyfirvalda. (z$.  y HafihinntryggWifengiWhrriatvinnuleysisbturskv.32.eWa33.gr.enhannttirtt ( samkvmtlagninguskattyfirvaldaeWaWrumstWumberhonumaWendurgreiWaY  fjrhWsemofgreiddvaraWviWbttu15%lagi.HiWsamagildirumatvinnuleysisbtursem  hinntryggWihefurfengiWgreiddarfyrirtmabilerhannuppfylltiekkiskilyrWilaganna.Fella a skalniWurlagiWsamkvmtYessarimlsgreinfrihinntryggWirkfyrirYvaWhonumverWi T, ekkikenntumYannmarkaerleiddutilkvrWunarVinnumlastofnunar.   y HeimilteraWskuldajafnaofgreiddumatvinnuleysisb;tumm;tisWartilkomnum  atvinnuleysisb;tumsamaeinstaklingsenY;aldreihrrifjrhWensemnemur25%af   sWarnefnduatvinnuleysisb;tunumhverjummnuWi.EnnfremurerheimiltaWskuldajafna  X ofgreiddumatvinnuleysisb;tumm;tiinneignhinstryggWavegnaofgreiddraskatta, K #  barnab;taogvaxtab;tasamkvmtlgumnr.90/2003,umtekjuskatt.FjrmlarWherrasetur    reglugerWnnarireglurumskuldajfnunogforgangsrW.     y UminnheimtuofgreiddsfjrrAtvinnuleysistryggingasj;Wiferskv.111.gr.laganr.   90/2003,umtekjuskatt.FlagsmlarWherrageturY;faliWsrstkuminnheimtuaWilaaW wO  annastinnheimtu. B   y HafihinntryggWifengiWlgriatvinnuleysisbturenhonumbarsamkvmtlagningu    skattyfirvaldaeWaWrumstWumberVinnumlastofnunaWgreiWaYfjrhWsem   vangreiddvartilhinstryggWasamtvxtumfyrirYaWtmabilsemfWvarvrslu {  Atvinnuleysistryggingasj;Ws.SkuluvextirYessirverajafnhirvxtumsemSeWlabanki nF 0slandskveWurogbirtirhverjumtmaskv.1.mgr.8.gr.laganr.38/2001,umvextiog 9 verWtryggingu.SamaviWYegarniWurstaWarskurWarnefndaratvinnuleysistryggingaog  vinnumarkaWsaWgerWaleiWirtilYessaWhinntryggWihafittrttatvinnuleysisb;tum  samkvmtlgumYessumenhafWiWurveriWsynjaWumYreWareiknaWarlgri r atvinnuleysisbtur.XegargreiWslurrAtvinnuleysistryggingasj;Wieruvangreiddarvegna e= skortsupplUsingumfrhinumtryggWafallavextirniWur. 0   40.gr.  GjaldYrotflaga. i  y VinnumlastofnunerheimiltaWgreiWalaunamannigjaldYrotaflagsatvinnuleysisbtur \4 skv.32.og33.gr.YanntmasemhannernatvinnuuppsagnarfrestimeWanhannbWureftir ' endanleguuppgjrilaunakrfumsnumsamkvmtlgumnr.88/2003,umbyrgWasj;W  launa,endauppfyllihannskilyrWilagaYessara.SkilyrWierjafnframtaWlaunamaWurframselji  Atvinnuleysistryggingasj;WiYannhlutalaunakrfusinnarhendurbyrgWasj;Wilaunaer `  nemurfjrhWYeirraatvinnuleysisb;tasemhannfrgreiddarYessumtma. S+!   &  41.gr. # Fjrnm;heimilt.'N!  $ B! y :heimilteraWgerafjrnmatvinnuleysisb;tumsamkvmtlgumYessumsemekkihafa !W% veriWgreiddartilhinstryggWa.Xerjafnframt;heimiltaWtakaatvinnuleysisbturtil J""& greiWsluopinberragjaldaannarraenstaWgreiWsluopinberragjalda. #'   VIII.KAFLI $ )  AtvinnuleiteWaatvinnaWruaWildarrkiaWsamningnumumEvr;pska v%N!* efnahagssvWiWogstofnsamningiFrverslunarsamtakaEvr;pueWaFreyjum.  A&"+ 42.gr.  '", AtvinnuleitWruaWildarrki. '#- '# y VinnumlastofnunerheimiltaWgreiWaatvinnuleysisbturskv.VII.kaflatilYesssemtelst (z$. tryggWursamkvmtlgumYessumogeratvinnuleitWruaWildarrkiaWsamningnumum ( Evr;pskaefnahagssvWiWeWastofnsamningiFrverslunarsamtakaEvr;pueWaFreyjum  endauppfyllihanneftirtalinskilyrWi:  ! ! 3(5h80*"A0J"  A0J& y25h  a  .3  Ԉ0    hefurs;ttumatvinnuleysisbturtilVinnumlastofnunar,A0J&'݌a   Ќ  "A0J"  A0J ( y25h  b  .3  Ԉ0    hefuruppfylltskilyrWilagaYessaraa.m.k.fj;rumnstliWnumvikumfyrir T, brottfarardag,A0J (6(݌   Ќ  "A0J"  A0J_) y25h  c  .3  Ԉ0    erheimiltaWverafrjlsriatvinnuleitWruaWildarrkisamkvmtlgumYessrkis,ogA0J_))݌   Ќ  "A0J"  A0J* y25h  d  .3  Ԉ0    skrirsigatvinnuleithjvinnumiWlunYvrkiYarsematvinnuleitinferfram   samkvmtlgumYessrkisinnansjvirkradagafrbrottfarardegi.A0J**݌ X   Ќ   3(5h883 y VinnumlastofnunerheimiltaWveitaundanYgufrskilyrWib-liWar1.mgr.Yegarforeldri, K #  maki,sambWarmakieWasamvistarmakihinstryggWadvelstviWnmeWastrfYvlandiYar    sematvinnuleitinferfram.HiWsamageturttviWerbrnhinstryggWaundir18raaldrieru    bsettlandinumeWhinuforeldrisnueWahannhefurYegarfengiWtilboWumstarfYar   landi. wO   y VinnumlastofnunerjafnframtheimiltaWveitahinumtryggWalengritmatilaWskrsig B  hjhinnierlenduvinnumiWlunenkveWiWerumd-liW1.mgr.GreiWsluratvinnuleysisb;ta    fallaYniWurfrogmeWbrottfarardegioghefjastaWnUjuviWskrninguerlendis.    y VinnumlastofnungefurtviWeigandivottorWtilstaWfestingarrttihinstryggWa {  samkvmtkvWiYessu. nF  y LgYessrkisYarsematvinnuleitinferframskulugildaaWWruleytiumeftirfylgnimeW 9 atvinnuleitinniogYtttkuvinnumarkaWsaWgerWum.   y FlagsmlarWherraerheimiltaWkveWareglugerW,aWfenginniumsgnstj;rnar  Atvinnuleysistryggingasj;Ws,nnarumatvinnuleysistryggingarlaunamannaogsjlfsttt r starfandieinstaklinga,sbr.aogb-liW3.gr.,grundvellisamningsinsumEvr;pska e= efnahagssvWiW,stofnsamningsFrverslunarsamtakaEvr;pu,NorWurlandasamningsum 0 almannatryggingarogsamningsmillirkisstj;rnar0slandsannarsvegarogrkisstj;rnar  Danmerkurogheimastj;rnarFreyjahinsvegar.  &    43.gr. \4 LengdYesstmabilssematvinnuleysisbturerugreiddar ' ЀvegnaatvinnuleitarWruaWildarrki.  4 y VinnumlastofnunerheimiltaWgreiWaatvinnuleysisbturskv.42.gr.samfelltalltaW  YrjmnuWifrbrottfarardegihinstryggWaenY;aldreilengritmaensemeftireraf `  tmabiliskv.29.gr. S+! '\y4 y XegarhinntryggWifrtmabundiWstarfWruaWildarrkiskemmritmaensemeftirer " aftmabili1.mgr.eWasegiruppstarfieWamissirYaWafgildumstWuminnanYesstmaer # heimiltaWgreiWahonumatvinnuleysisbturskv.42.gr.Yanntmasemeftireraftmabili  $ skv.1.mgr. !W%  y kvWi2.mgr.ekkiviWhafistarfWruaWildarrkiveitthlutaWeigandirttsamkvmt J""& lgumYessrkisumatvinnuleysistryggingar. #'   44.gr. $ ) EndurnUjuntmabiliskv.43.gr. v%N!* 9 y SsemhefurWurfengiWgreiddaratvinnuleysisbturskv.42.gr.geturunniWsraWnUju A&"+ rtttilaWfgreiddaratvinnuleysisbturmeWanhanneratvinnuleitWruaWildarrkiaW  '", samningnumumEvr;pskaefnahagssvWiWeWastofnsamningiFrverslunarsamtakaEvr;pu '#- eWaFreyjumaWliWnumsexmnuWumfrlokumtmabilsinsskv.43.gr.endahafihann (z$. starfaWinnlendumvinnumarkaWia.m.k.YrjmnuWioguppfylliaWWruleytikvWilaga ( Yessara.    45.gr. a Ums;knumgreiWsluratvinnuleysisb;ta T, vegnaatvinnuleitarWruaWildarrki.  < y SsemvillnUtasrrttsinnskv.42.gr.skalskjaumaWatvinnuleysisbturverWi  greiddarmeWanhanneratvinnuleitWruaWildarrkiaWsamningnumumEvr;pska   efnahagssvWiWeWastofnsamningiFrverslunarsamtakaEvr;pueWaFreyjumtil  X VinnumlastofnunarYartilgerWumeyWublWumfyrirbrottfarardag.Efumskjandier K #  yngrien18raskalforeldrieWaforrWamaWurhanssamYykkjaums;kninameWundirritun    sinni.      46.gr. wO  Tilkynningumheimkomu. B  S? y HinntryggWisemhefurfengiWgreiddaratvinnuleysisbturskv.42.gr.ogsnUrafturtil    landsinstilaWhaldaframatvinnuleitsinniinnlendumvinnumarkaWiskaltilkynnaumYaW   skriflegatilVinnumlastofnunarinnansjvirkradagafrYvaWtmabiliskv.43.gr.lauk {  eWakomudegihafihinntryggWikomiWtillandsinsWurentmabilinulauk. nF AtvinnuleysistrygginghanserYssamaoghnvarWurenhannf;rutanatvinnuleitnema 9 annaWleiWiaflgumYessum.   y LtihinntryggWihjlWaaWtilkynnaumframhaldandiatvinnuleithrlandiinnan  tmamarka1.mgr.fallagreiWsluratvinnuleysisb;taniWurfrogmeWYeimdegiertmabili r skv.43.gr.laukeWahannhttiatvinnuleitWruaWildarrkihafihannsannanlegahtt e= leitinniWurentmabilinulauk.SkalhinntryggWiYskjaumatvinnuleysisbturaWnUju 0 skv.9.gr.   y & a VinnumlastofnunerheimiltaWleitaupplUsingahjYartilbrristofnunYvaWildarrki  Yarsematvinnuleitinf;rframumatriWiergetahafthrifatvinnuleysistryggingu i hlutaWeigandihrlandieWaYtttkuvinnumarkaWsaWgerWum.'aoD \4   47.gr.  vinnslutmabilWruaWildarrki.  E y XegarumskjandiumatvinnuleysisbturhefurstarfaWinnlendumvinnumarkaWia.m.k. `  YrjmnuWivinnslutmabiliskv.15.eWa19.gr.erVinnumlastofnunheimiltaWtakatillit S+! tilstarfstmabilahanssemlaunamannseWasjlfstttstarfandieinstaklings,sbr.aogb-liW " 3.gr.,WruaWildarrkiaWsamningnumumEvr;pskaefnahagssvWiWeWastofnsamningi # FrverslunarsamtakaEvr;pueWaFreyjumvinnslutmabilinuviWmat  $ atvinnuleysistrygginguhansendahafistrfhansYvrkiveitthonumrttsamkvmtlgum !W% Yessumatvinnuleysistryggingar. J""&  y UmskjandiskalltatilskilinvottorWumunninstarfstmabilogtryggingatmabilWru #' aWildarrkifylgjameWums;knumatvinnuleysisbturskv.9.gr. #(  y Xegarumskjandiumatvinnuleysisbtur,semflyturtil0slandsfrDanmrku,Finnlandi, $ ) Freyjum,Grnlandi,NoregieWaSvYj;W,hefurstarfaWhrlandisWastliWnumfimm v%N!* rumfrm;ttkudegiums;knarYeimmliaWhannhefWitalisttryggWursamkvmtlgum A&"+ YessumYarfekkiaWuppfyllaYaWskilyrWi1.mgr.aWhafastarfaWinnlendumvinnumarkaWi  '", a.m.k.YrjmnuWivinnslutmabilisvoaWheimiltsaWtakatillittilstarfstmabilahans '#- Yessumrkjum.HiWsamaviWumYsemflytjatil0slandsfrframangreindumrkjumog (z$. hafafengiWgreiddaratvinnuleysisbturhrlandinstliWnumfimmrumfrm;ttkudegi ( ums;knarhjVinnumlastofnun.    48.gr. a BtgfavottorWa. T, M y VinnumlastofnunskalgefatvottorWtilstaWfestingaratvinnuleysistrygginguhins  tryggWasamkvmtums;knYarsemframkemurstarfstmabilhanshrlandi  vinnslutmabiliskv.15.eWa19.gr.ogunninrttindihanssamkvmtlgumYessum.   TilgreinaskalhvorthinntryggWihafiunniWsratvinnuleysistryggingarnarsemlaunamaWur  X eWasjlfstttstarfandieinstaklingur,sbr.aogb-liW3.gr. K #    49.gr.    GreiWslaatvinnuleysisb;tatilrtthafarerlendumtryggingakerfum.   P y VinnumlastofnunerheimiltaWgreiWarkisborgaraannarsaWildarrkisaWsamningnum wO  umEvr;pskaefnahagssvWiWeWastofnsamningiFrverslunarsamtakaEvr;pueWaFreyingi, B  semkemurhingaWatvinnuleit,atvinnuleysisbturrAtvinnuleysistryggingasj;WiaWbeiWni    ogfyrirhndYartilbrrarstofnunarhlutaWeigandirkiendaendurgreiWisstofnun   sj;WnumYrfjrhWirsemYannigeruinntarafhendi. {   y VinnumlastofnunerY;heimiltaWgreiWatatvinnuleysisbturskv.1.mgr.Yrttfyrir nF aWekkikomitilformlegrarendurgreiWsluendaleiWislktafsamningumsemslensk 9 stj;rnvlderuaWilaraW.    IX.K&  AFLI r  TilvikerleiWatiltakmrkunaratvinnuleysistryggingum.  e= 50.gr. 0 VerkfalleWaverkbann.  T y LaunamaWur,sbr.a-liW3.gr.,semleggurniWurstrfverkfallieWavegnaverkbanns  vinnuveitandatelstekkitryggWursamkvmtlgumYessumYanntmasemvinnustWvunin i stenduryfi'Tr. \4  y LaunamaWursemhefurmisststarfsittWurentilverkfallseWaverkbannskomentekur ' YaWframums;knaWhannsaWleitaaWstarfiYeirristarfsgreinsemverkfalliWeWa  verkbanniWtekurtiltelstekkitryggWurYanntmasemvinnustWvuninstenduryfirfyrstu  fj;rumvikunumfrYvaWVinnumlastofnunt;kviWums;knhans. `   y kvWi2.mgr.Y;ekkiviWYegarverkfalleWaverkbanntekureinungistilstarfa S+! viWkomandistarfsgreinafmrkuWusvWi. "   51.gr.  $ :samrUmanlegargreiWslur. !W% yY y HverssemnUturslysa-eWasjkradagpeningasamkvmtlgumumalmannatryggingar J""& telstekkitryggWursamkvmtlgumYessumsamatmabili. #'  y HverssemnUturgreiWslnarFWingarorlofssj;WisamkvmtlgumumfWingar-og #( foreldraorloftelstekkitryggWursamkvmtlgumYessumsamatmabili. $ )  y HverssemnUturgreiWslnasamkvmtlgumumgreiWslurtilforeldralangveikraeWa v%N!* alvarlegrafatlaWrabarnatelstekkitryggWursamkvmtlgumYessumsamatmabili. A&"+  y HverssemhefurfengiWgreittt;tekiWorlofviWstarfslokeWafrgreiWslurvegna  '", starfslokatelstekkitryggWursamkvmtlgumYessumYvtmabilisemYrgreiWslureiga '#- viWum.ViWums;knumatvinnuleysisbturskalhinntryggWitakaframhvenrhanntlar (z$. aWtakatorlofsittfyrirloknstaorlofstmabils. (   52.gr.  Nm. a _^ y Hverssemstundarnm,sbr.c-liW3.gr.,telstekkitryggWursamatmabiliendaer T, nmiWekkihlutivinnumarkaWsaWgerWasamkvmtkvrWunVinnumlastofnunar.   y Xrttfyrir1.mgr.skalVinnumlastofnunmetasrstaklegahvortumskjandium  atvinnuleysisbturgetitalisttryggWursamkvmtlgumYessumYegarhannhefurstundaW   nmmeWstarfisnusemhannmisstiognmiWerekkilnshftsamkvmtreglumum  X Lnasj;Wslenskranmsmanna. K #   y Vinnumlastofnunskaljafnframtmetasrstaklegahvortserstundarnmenerlgra    nmshlutfallien75%uppfylliskilyrWilagannaYrttfyrirnmiW.Umskjandium    atvinnuleysisbturskalleggjaframstaWfestingufrviWkomandimenntastofnunum   nmshlutfalliW. wO    53.gr.    Frelsissvipting.   b y HverssemhefurveriWsvipturfrelsisnumeWd;mitelstekkitryggWursamkvmtlgum {  YessumYeimtmaerhanntekurtrefsingusnafangelsi.HiWsamaviWumYannsem nF hefurveriWsvipturfrelsisnumeWrskurWid;maraeWatekurtrefsingusna 9 samflagsYj;nustu.    X.KAFLI r  BiWtmieftiratvinnuleysisb;tum.  e= 54.gr. 0 StarfisagtuppngildrastWna.  d y SsemtelsttryggWursamkvmtlgumYessumenhefursagtstarfisnulausungildra  stWnaskalekkieigarttgreiWsluatvinnuleysisb;taskv.VII.kaflafyrrenaW40dgum i liWnum,semellahefWuveriWgreiddarbturfyrir,frm;ttkuums;knarum \4 atvinnuleysisbtur.HiWsama&  gildirumYannsemmissirstarfafstW''gumsemhannsjlfur ' sk.   y HinntryggWiskaluppfyllaskilyrWilagaYessarabiWtmanumskv.1.mgr.   y TakihinntryggWistarfisemekkierhlutiafvinnumarkaWsaWgerWummeWanbiWtmaskv. `  1.mgr.stendurfellurbiWtminnniWureftiraWhinntryggWihefurstarfaWa.m.k.tuvirka S+! dagaWurenhannskirafturumatvinnuleysisbturendahafihannsagtstarfinulausueWa " misstYaWafgildumstWum.VaristarfiWskemmritma,hannhefursagtstarfisnulausu # ngildrastWnaeWamisstYaWafstWumsemhann&  sjlfurskheldurbiWtminnfram  $ aWlWaYegarhinntryggWiskirafturumatvinnuleysisbtur,sbr.einnig56.gr.' Rj !W%   55.gr. #' NmihttngildrastWna. #(  k y SsemtelsttryggWursamkvmtlgumYessumenhefurhttnmi,sbr.cliW3.gr.,n $ ) gildrastWnaskalekkieigarttgreiWsluatvinnuleysisb;taskv.VII.kaflafyrrenaW40 v%N!* dgumliWnum,semellahefWuveriWgreiddarbturfyrir,frm;ttkuums;knarum A&"+ atvinnuleysisbtur.StaWfestingfrviWkomandisk;laumaWnmihafiveriWhttskalfylgja  '", ums;kninni. '#-  y HinntryggWiskaluppfyllaskilyrWilagaYessarabiWtmanumskv.1.mgr. (z$.  y TakihinntryggWistarfisemekkierhlutiafvinnumarkaWsaWgerWummeWanbiWtmaskv. ( 1.mgr.stendurfellurbiWtminnniWureftiraWhinntryggWihefurstarfaWa.m.k.tuvirka  dagaWurenhannskirafturumatvinnuleysisbturendahafihannsagtstarfinulausueWa  misstYaWafgildumstWum.VaristarfiWskemmritma,hannhefursagtstarfisnulausu a ngildrastWnaeWamisstYaWafstWumsemhannsjlfurskheldurbiWtminnfram T, aWlWaYegarhinntryggWiskirafturumatvinnuleysisbtur,sbr.einnig56.gr.    56.gr.   0trekunarhriffyrrikvarWanaumbiWtma.  X  q y SsemWurhefursttbiWtmaskv.54.eWa55.gr.eWaviWurlgumskv.57.!59.gr.og K #  skiraWnUjuumatvinnuleysisbtureftiraWhafaveriWstarfiskemmritmaen24mnuWi    ogsagtYvstarfiupperhanngegndisWastngildrastWnaskalekkieigarttgreiWslu    atvinnuleysisb;taskv.VII.kaflafyrrenaW60dgumliWnum,semellahefWuveriWgreiddar   bturfyrir,frm;ttkuseinniums;knarumatvinnuleysisbtur.HiWsamaviWumYann wO  semhefurmisststarfiWafstWumsemhannsjlfurskeWahttnmingildrastWna. B   y XegarbiWtmiskv.54.og55.gr.eWaviWurlgskv.57.!59.gr.hafafrestastskv.3.mgr.    54.gr.,3.mgr.55.gr.,3.mgr.57.gr.,3.mgr.58.gr.eWa3.mgr.59.gr.leggststmisem   eftirvaraffyrribiWtmaeWaviWurlagakvrWunsamanviWbiWtmaskv.1.mgr. {   y XegarssemWurhefursttbiWtmaskv.1.mgr.skiraWnUjuumatvinnuleysisbtur nF eftiraWhafaveriWstarfiskemmritmaen24mnuWioghefursagtuppYvstarfisemhann 9 gegndisWastngildrastWnaskalhannekkieigarttgreiWsluatvinnuleysisb;tafyrren  hannhefurstarfaWa.m.k.ttavikurinnlendumvinnumarkaWi.HiWsamaviWumYann  semhefursttbiWtmaskv.1.&  mgr.ogskiraWnUjuumatvinnuleysisbtureftiraWhafa r misststarfiWafstWumsemh''xannsjlfurskeWahttnmingildrastWna. e=  y EndurtakiatviksigsemlUster3.mgr.samatmabiliskv.29.gr.skalhinntryggWiekki 0 eigarttgreiWsluatvinnuleysisb;tafyrrenhannuppfyllirskilyrWi31.gr.   y 0trekunarhrifsamkvmtkvWiYessufallaniWurYegarnUtttmabilskv.29.gr.hefst,  sbr.30.eWa31.gr.laganna. i   XI.KAFLI '  ViWurlg.   57.gr.  StarfieWaatvinnuviWtalihafnaW. `  z y SsemhafnarstarfisemhonumbUWstmeWsannanlegumhttieftiraWhafaveriW S+! atvinnuleita.m.k.fj;rarvikurfrm;ttkuVinnumlastofnunarums;knum " atvinnuleysisbturskalekkieigarttgreiWsluatvinnuleysisb;taskv.VII.kaflafyrrenaW # 40dgumliWnum,semellahefWuveriWgreiddarbturfyrir,frYeimdegier  $ viWurlagakvrWunVinnumlastofnunarertilkynntaWila.HiWsamaviWumYannsem !W% hafnarYvaWfaraatvinnuviWtalvegnastarfssemhonumbUWstmeWsannanlegumhttieWa J""& sinnirekkiatvinnuviWtalinstWulausrartafar. #'  y HinntryggWiskaluppfyllaskilyrWilagaYessaraviWurlagatmanumskv.1.mgr.Hafni #( hannstarfieWahafniYvaWfaraatvinnuviWtalYeimtmageturkomiWtiltrekunarhrifa $ ) skv.61.gr. v%N!*  y TakihinntryggWistarfisemekkierhlutiafvinnumarkaWsaWgerWummeWan A&"+ viWurlagatmaskv.1.mgr.stendurfallaviWurlginniWureftiraWhinntryggWihefurstarfaW  '", a.m.k.tuvirkadagaWurenhannskirafturumatvinnuleysisbturendahafihannsagt '#- starfinulausueWamisstYaWafgildumstWum.VaristarfiWskemmritma,hannhefursagt (z$. starfisnulausungildrastWnaeWamisstYaWafstWumsemhannsjlfurskheldur ( viWurlagatminnframaWlWaYegarhinntryggWiskirafturumatvinnuleysisbtur,sbr.  einnig61.gr.   y VinnumlastofnunskalmetaviWkvrWunumviWurlgskv.1.mgr.hvortkvrWunhins a tryggWaumaWhafnastarfihafiveriWrttltanlegvegnaaldurshans,flagslegraaWstWna T, semtengjastskertrivinnufrnieWaumnnunarskylduvegnaungrabarnaeWaannarraninna  fjlskyldumeWlima.EnnfremurerVinnumlastofnunheimiltaWltatilheimilisaWstWnahins  tryggWaYegarhannhafnarstarfifjarriheimilisnusemogtilrWningarhans;tmabundiW   starfinnantiltekinstma.XerheimiltaWtakatillittilaWstWnaYesssemgeturekkisinnt  X tilteknumstrfumvegnaskertrarvinnufrnisamkvmtvottorWisrfrWilknis.GeturY K #  komiWtilviWurlagaskv.59.gr.hafihinntryggWivsvitandileyntupplUsingumumskerta    vinnufrni.      58.gr. wO  XtttkuvinnumarkaWsaWgerWumhafnaW. B  Ն y SsemhafnarYtttkuvinnumarkaWsaWgerWum,sbr.lgumvinnumarkaWsaWgerWir,    samkvmtkvrWunVinnumlastofnunareftiraWhafaveriWatvinnuleita.m.k.fj;rarvikur   frm;ttkuVinnumlastofnunarums;knumatvinnuleysisbturskalekkieigartt {  greiWsluatvinnuleysisb;taskv.VII.kaflafyrrenaW40dgumliWnum,semellahefWuveriW nF greiddarbturfyrir,frYeimdegierviWurlagakvrWunVinnumlastofnunarertilkynnt 9 aWila.   y HinntryggWiskaluppfyll& a askilyrWilagaYessaraviWurlagatmanumskv.1.mgr.Hafni  hannafturaWtakaYttvinnumarkaWsaWgerWumYeimtmageturkomiWtiltrekunarhrifa r skv.61.gr.'a  e=  y TakihinntryggWistarfisemekkierhlutiafvinnumarkaWsaWgerWummeWan 0 viWurlagatmaskv.1.mgr.stendurfallaviWurlginniWureftiraWhinntryggWihefurstarfaW  a.m.k.tuvirkadagaWurenhannskirafturumatvinnuleysisbturendahafihannsagt  starfinulausueWamisstYaWafgildumstWum.VaristarfiWskemmritma,hannhefursagt i starfisnulausungildrastWnaeWamisstYaWafstWumsemhannsjlfurskheldur \4 viWurlagatminnframaWlWaYegarhinntryggWiskirafturumatvinnuleysisbtur,sbr. ' &  einnig61.gr.'    59.gr. `  RangarupplUsingargefnareWaltiWhjlWaaWveitaupplUsingar. S+! Z y SsemveitirVinnumlastofnunvsvitandirangarupplUsingarums;kneWalturhjlWa " aWveitanauWsynlegarupplUsingarsvoaWunntsaWaWstoWahannviWaWfstarfviWhfiog # gefahonumkostYtttkuviWeigandivinnumarkaWsaWgerWumskalekkieigarttgreiWslu  $ atvinnuleysisb;taskv.VII.kaflafyrrenaW40dgumliWnum,semellahefWuveriWgreiddar !W% bturfyrir,frYeimdegierviWurlagakvrWunVinnumlastofnunarertilkynntaWila.HiW J""& samaviWYegarhinntryggWihefurvsvitandiltiWhjlWaaWtilkynnaVinnumlastofnun #' umYrbreytingarsemhafaorWiWvinnufrnihanseWaaWstWumaWWruleytitmabili #( skv.29.gr. $ )  y HinntryggWiskaluppfyllaskilyrWilagaYessaraviWurlagatmanumskv.1.mgr.Veiti v%N!* hannVinnumlastofnunekkinauWsynlegarupplUsingarYeimtmaeWaleiWrttiYr A&"+ upplUsingarerreyndustrangargeturkomiWtiltrekunarhrifaskv.61.gr.  '",  y TakihinntryggWistarfisemekkierhlutiafvinnumarkaWsaWgerWummeWan '#- viWurlagatmaskv.1.mgr.stendurfallaviWurlginniWureftiraWhinntryggWihefurstarfaW (z$. a.m.k.tuvirkadagaWurenhannskirafturumatvinnuleysisbturendahafihannsagt ( starfinulausueWamisstYaWafgildumstWum.VaristarfiWskemmritma,hannhefursagt  starfisnulausungildrastWnaeWamisstYaWafstWumsemhannsjlfurskheldur  viWurlagatminnframaWlWaYegarhinntryggWiskirafturumatvinnuleysisbtur,sbr. a einnig61.gr. T,   60.gr.  Atvinnuleysisb;taaflaWmeWsviksamlegumhtti.   + y SsemaflarsreWareyniraWaflasratvinnuleysisb;tasamkvmtlgumYessummeW  X svikumgeturmisstrttsinnsamkvmtlgumYessumalltaWtvrogYurftaWsta K #  sektum.     y UmmeWferWslkramlafersamkvmtlgumummeWferWopinberramla.     y Sektirskulurennarkissj;W.     61.gr. B  0trekunarhriffyrriviWurlagakvarWana.     y SsemhefursttviWurlgumskv.57.!59.gr.eWabiWtmaskv.54.og55.gr.ogeitthvert   YeirratilvikasemYargreinirsrstaWaWnUjusamatmabiliskv.29.gr.skalekkieigartt {  greiWsluatvinnuleysisb;taskv.VII.kaflafyrrenaW60virkumdgumliWnumfrYeimdegi nF erkvrWunVinnumlastofnunarumtrekunarhrifliggurfyrir. 9  y XegarviWurlgskv.57.!&  59.gr.eWabiWtmiskv.54.og55.gr.hefurfrestastskv.3.mgr.  54.gr.,3.mgr.55.gr.,3.m'gr.57.gr.,3.mgr.58.gr.eWa3.mgr.59.gr.leggststmisem  eftirvaraffyrriviWurlagakvrWuneWabiWtmasamanviWviWurlgskv.1.mgr. r  y SsemhefursttviWurlgumskv.1.mgr.ogeitthvertYeirratilvikaergreinir57.!59. e= gr.viWumskalekkieigarttgreiWsluatvinnuleysisb;tafyrrenhannhefurstarfaWa.m.k. 0 ttavikurinnlendumvinnumarkaWi.   y EndurtakiatviksigsemlUster3.mgr.samatmabiliskv.29.gr.skalhinntryggWiekki  eigarttgreiWsluatvinnuleysisb;tafyrrenhannuppfyllirskilyrWi31.gr. i  y 0trekunarhrifsamkvmtkvWiYessufallaniWurYegarnUtttmabilskv.&  29.gr.hefst, \4 sbr.30.eWa3'\1.gr.laganna. '   XII.KAFLI   TmiskvWi.  `  62.gr. S+! StyrkirrAtvinnuleysistryggingasj;Wivegnaeinstaklinga. "  y VinnumlastofnunerheimiltaWveitastyrkivegnaYtttkuYeirrasemteljasttryggWir # samkvmtlgumYessumvinnumarkaWsaWgerWum,YarmeWalstarfsYjlfunarrrWum.  $ EnnfremurerheimiltaWveitasrstakastyrkivegna&  bferlaflutningahinstryggWainnan !W% landsvegnastarfstilboWa.'! J""&  y FlagsmlarWherraskalsetjannarireglur,aWfenginnitillgustj;rnar #' Atvinnuleysistryggingasj;Ws,umstyrkiskv.1.mgr. #(   63.gr. v%N!* StyrkirrAtvinnuleysistryggingasj;WitilverkefnavinnumarkaWi. A&"+  y FlagsmlarWherraerheimilt,aWfenginnitillgustj;rnarAtvinnuleysistryggingasj;Ws,  '", aWveitastyrkirAtvinnuleysistryggingasj;WitileinstakraverkefnasemtlaWeraWefla '#- atvinnulfeinstakrasvWa,fjlgaatvinnutkifrumeinstakrah;paf;lkssemogtil (z$. starfsmenntunar.FjrhWYessaraframlagakvarWastviWafgreiWslufjrlagarhvert. (   64.gr.  ReglugerWarheimild. a  y FlagsmlarWherraerheimiltaWsetjareglugerW,aWfenginniumsgnstj;rnar T, Atvinnuleysistryggingasj;Ws,umnnariframkvmdlagaYessara.    65.gr.   Gildistaka.  X ͧ y LgYessiWlastgildi1.jl2006.Jafnframtfallargildilgnr.12/1997,um K #  atvinnuleysistryggingar,meWsWaribreytingum,oglgnr.46/1997,umTryggingasj;W    sjlfstttstarfandieinstaklinga.       kvWitilbrWabirgWa.  wO   S  I.  B   y XeimsemhefurfyrstaskiptiskrWsigatvinnulausanhjsvWisvinnumiWlun15.    n;vember2005eWasWarogerskrWuratvinnulaus1.jl2006erheimiltaWskjaum   atvinnuleysisbturskv.9.gr.lagaYessarafyrir1.september2006ogferYumrttindihans {  ogskyldurinnanatvinnuleysistryggingakerfisinssamkvmtlgumYessum.ViWtreikninga nF tekjutengdumatvinnuleysisb;tumskv.32.gr.skalltaYaWtmabilsemhannvarskrWur 9 atvinnulaussemtmabilskv.23.gr.     II.  r } y SsemvarskrWuratvinnulausfyrir15.n;vember2005oghefurveriWnatvinnu e= samfelltsWaneWahefurstarfaWskemmritmaensexmnuWiinnlendumvinnumarkaWi 0 geturaWhmarkittrttgrunnatvinnuleysisb;tumsamkvmtlgumYessumtil31.  desember2009enY;ekkilengritmaenfimmrfrskrninguhjsvWisvinnumiWlunaW  teknutillititilstarfstmabilahans.AWWruleytigildakvWilagaYessaraumrttindihans i ogskyldurinnanatvinnuleysistryggingakerfisins. \4    III.   ] y LgYessiskulugildaaWlluleytiumYannsemhefurveriWskrWuratvinnulausfyrir1.  jl2006enhefurstarfaWsamfellta.m.k.sexmnuWiinnlendumvinnumarkaWiWuren `  hannskirafturumatvinnuleysisbturfyrstaskiptiWeftirYanntma.ErYekkilitiWtil S+! fyrrab;tatmabilshansskv.9.gr.laganr.12/1997,umatvinnuleysistryggingar. "   IV.   $ ~ y XrttfyrirkvWi1.mgr.37.gr.um8%m;tframlagAtvinnuleysistryggingasj;Ws !W% lfeyrissj;WverWurm;tframlagsj;Wsins7%til31.desember2006. J""& A%N)  dE&A A&"+  (z$. Ї@##^X1XgSamYykktAlYingi3.jn2006.#gXX1'#Ԉ