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" FrestungreiWslnameWanleitaWergreiWsluaWlgunar. # m y XegarumboWsmaWurskuldarahefursamYykktums;knhefsttmabundinfrestungreiWslna,  $ sbr.Y;3.mgr.meWanfrestungreiWslnastendurerlnardrottnum;heimiltaW: !W% ! ! *(g00*"A0J"  A0Jp y2g  a  .3  Ԉ0    krefjasteWatakaviWgreiWslukrfumsnum,A0Jp>p݌J""&   Ќ  "A0J"  A0J$q y2g  b  .3  Ԉ0    gjaldfellaskuldirsamkvmtsamningsbundnumheimildum,A0J$qQq݌#'   Ќ  "A0J"  A0J6r y2g  c  .3  Ԉ0    gerafjrnm,kyrrsetningueWalggeymslueigumskuldaranseWafYrseldar #( nauWungarslu,A0J6rcr݌$ )   Ќ  "A0J"  A0Js y2g  d  .3  Ԉ0    fbskuldaranstekiWtilgjaldYrotaskipta,A0Jss݌v%N!*   Ќ  "A0J"  A0Jt y2g  e  .3  Ԉ0    neitaaWafhendagegnstaWgreiWslueWaviWunanditryggingumYrvrureWaYj;nustu A&"+ semskuldariYarfaWhaldavegnaframfrslusinnareWaheimilismannavegnafyrri  '", vanefnda,A0Jtt݌'#-   Ќ  "A0J"  A0Jtv y2g  f  .3  Ԉ0    krefjastgreiWsluhjbyrgWarmanniskuldarans.A0Jtvv݌(z$.   Ќ   y &  VextirfallaskuldirmeWanfrestungreiWslnastendurenYeireruekkigjaldkrfir. ( VextirafkrfumsemtryggWarerumeWveWieignsemskuldarifraWhaldagjaldfallaY;'(w  samrmiviWsamningaYarum,aWYvmarkisemveWsvarartilverWmtishinnarveWsettu  eignar. a  y FrestungreiWslnanrekkitilkrafnasemverWatileftiraWheimildtilaWleita T, greiWsluaWlgunarhefurveriWveitt.    12.gr.   SkyldurskuldaraviWgreiWsluaWlgun.  X z y meWanleitaWergreiWsluaWlgunarskalskuldari: K #  ! ! *(g00*"A0J"  A0J{ y2g  a  .3  Ԉ0    leggjatilhliWaraflaunumogWrumtekjumsnumYaWfsemerumframYaWsemhann    YarftilaWsjsrogfjlskyldusinnifarborWa,A0J{{݌     Ќ  "A0J"  A0J} y2g  b  .3  Ԉ0    segjauppleigusamningumogWrumsamningumumtgjldframtWinnisemekki   tengjastvruogYj;nustusemernauWsynleghonumeWaheimilihanstillfsviWurvris wO  eWaeWlilegsheimilishalds,A0J}E}݌B    Ќ  "A0J"  A0J~ y2g  c  .3  Ԉ0    &  ekkiltaafhendieWaveWsetjaeignirogverWmtisemgagnastgetalnardrottnumsem    greiWsla,' A0J~#݌    Ќ  "A0J"  A0Jp y2g  d  .3  Ԉ0    ekkistofnatilnUrraskuldaeWageraaWrarrWstafanirsemgtuskaWaWhagsmuni {  lnardrottna.A0Jp݌nF   Ќ   y Teljiumsj;narmaWurskuldarahafabrugWistskyldumsnumskv.1.mgr.skal 9 umsj;narmaWur;skaYessviWumboWsmannskuldaraaWgreiWsluaWlgunarumleitanirverWi  felldarniWurskv.15.gr.    13.gr. e= Salaeignaskuldara. 0  y Umsj;narmaWurgeturkveWiWaWseljaskuliYreignirskuldarasemumsj;narmaWurtelur  afsanngirniogmeWhliWsj;nafgreiWslugetuogfjlskylduaWstWumaWskuldarigetiveriW  n.Efumsj;narmanniYykirstWatilgeturhannleitaWafstWulnardrottnaWurenslk i kvrWunertekin. \4  y EignirskalseljameWYeimhttiaWtryggtsaWsemhstverWfistfyrirYr. ' Umsj;narmaWurkveWurhvernigsalaferframogannastslunasjlfur,nemahannfeliYaW  Wrum.ErskuldaraskyltaWannastslunaefumsj;narmaWurkveWurYaW.   y Umsj;narmaWurskalgeraYeimsemnj;taveWrttareignskuldaransviWvartumkvrWun `  umsluhennarmeWaWminnstakostitveggjaviknafyrirvara.XegarframerkomiWtilboW S+! eigninasemumsj;narmaWurtelurfrtaWtakaskalhanntafarlaustkynnaYaWfyrirYeim " veWhfumeigninnisemekkimunduffullnustukrafnasinnaafsluverWinuoggefaYeim # kostaWgerahrraboWeWagangaeftiratvikuminnframkomiWboW.SkuluveWhafarhafa  $ frestYessuskynisvolengisemboWerskuldbindandifyrirtilboWsgjafa. !W%  y AWslulokinnifallaniWurYauveWrttindisemekkifkkstgreittuppafsluandvirWinu J""& sumveWsettareigniraWrWa.Umsj;narmaWurskal;skaeftiraflUsinguveWkrafnagegn #' staWfestinguumboWsmannsskuldaraaWums;knskuldaratilgreiWsluaWlgunarhafiveriW #( samYykkt,yfirlUsinguumsj;narmannsumaWsalaeignarinnarhafiveriWgerWvegna $ ) greiWsluaWlgunarogafritisamningsumsluna. v%N!*  y FramfylgiskuldariekkikvrWunumsj;narmannsskv.1.mgr.eWakomihannmeW A&"+ einhverjumhttivegfyrirfyrirhugaWaslueignaskalumsj;narmaWur;skaYessviW  '", umboWsmannskuldaraaWgreiWsluaWlgunarumleitanirskuldaraverWifelldarniWurskv.15. '#- gr. (z$. Ї  14.gr. ( Mateignumsemskuldariheldureftir.  T y Umsj;narmaWurskaleftirYrfumaflamatsverWmtiYeirraeignasemskuldaraerekki  gertaWselja. a  y Lnardrottinnsemekkiunirmatisemumsj;narmaWuraflargetureiginkostnaWfengiW T, d;mkvaddanmanntilaWmetaverWmtieignar.SslkrarmatsgerWaraflaWskalhnrWa  niWurstWuumverWmtieignarinnar.    15.gr.  X NiWurfellinggreiWsluaWlgunarumleitana. K #   y EfframkomaupplUsingarsemtlamaWhindriaWgreiWsluaWlgunsheimil    grundvellilagaYessaraskalumsj;narmaWurtilkynnaumslkttilumboWsmannsskuldarasem    kjlfariWtekurafstWutilmlsinsmeWrkstuddrikvrWun.SkuldaraskalgefiWtkifri   tilaWltalitsittlj;sWurenslkkvrWunertekin.kvrWunumboWsmannsskuldaraum wO  niWurfellingugreiWsluaWlgunarumleitanageturskuldarikrttilkrunefndar B  greiWsluaWlgunarmlainnanvikufrYvaWkvrWuninbarsthonumogskalYtmabil    greiWsluaWlgunarumleitanastandaYartilniWurstaWakrunefndarliggurfyrir.    y UmboWsmaWurskuldaraskaltilkynnaYekktumlnardrottnumumniWurfellingu {  greiWsluaWlgunarumleitana. nF   IV.KAFLI   SamningurumgreiWsluaWlgun.   16.gr. r FrumvarptilsamningsumgreiWsluaWlgun. e= A y Umsj;narmaWurskal,einsflj;ttogauWiWereftiraWkrfulUsingarfresturerliWinn,gera 0 frumvarptilsamningsumgreiWsluaWlgun.FrumvarpiWskalsamiWsamrWiviWskuldara.   y 0frumvarpitilsamningsumgreiWsluaWlgunskalkveWiWumlengd  greiWsluaWlgunartmabils,enYaWskalaWjafnaWiveraeitttilYrjrfrYvaWsamningur i tekurgildi.TiltakaskalviWeigandiupplUsingartilaWgefaheildarmyndaffjrhagog \4 greiWslugetuskuldara,m.a.upplUsingarumtekjur,skuldir,eignirogmnaWarlegtgjld.X ' skalfylgjalistiyfirallarkrfursemvitaWerumogtillagaumsj;narmannsumhvernigfariW  verWimeWkrfurnar,samrmiviW3.og21.gr.JafnframtskaltiltakaallarverWmtareignir  semskalseljaeWahaldaeftirogverWmtiYeirra,sbr.13.og14.gr.Xskalkomafram `  frumvarpinusfrestursemlnardrottnarhafatilaWtakaafstWutilYess. S+!  y Frumvarpumsj;narmannsskalveraYannvegaWframfrslaskuldaraogfjlskylduhans " stryggWogaWraunhftmegiteljaaWWruleytiaWhanngetistaWiWviWskuldbindingarsnar, # endurskipulagtfjrmlsnogkomiWjafnvgimilliskuldaoggreiWslugetu.  $  y Felifrumvarpumsj;narmannssraWskuldariinniafhendireglulegarafborganir !W% tilteknutmabiliskalumsj;narmaWurmiWaviWaWskuldarihaldieftirsvomikluaftekjum J""& snumaWdugitilaWsjhonumogheimilisf;lkihansfarborWaogYeimeinstaklingumsem #' hannhefurframfrsluskylduviWsamkvmtlgum.Skalumsj;narmaWurnotastviW #( framfrsluviWmiWsemumboWsmaWurskuldarasetur.EfskuldarihefurrtttilumgengniviW $ ) brnskaltekiWtillittileWlilegratgjaldatengslumviWhana. v%N!*  y AfborgunarfjrhWskv.4.mgr.skalbundinviWlaunavsitlueWaannanhttviW A&"+ tilteknarmlingarverWlagsbreytingumsemsvaratilYesshvernigskuldarihyggstaflatekna  '",  tilaWstandaundirgreiWsluhennar. '#- & a     y Efumsj;narmaWurtelurYaWnauWsynlegteWalnardrottinnkrefstYessgeturhannboWaW ( tilsrstaksfundarmeWYeimogskuldaratilaWrWagreiWsluaWlguninaWurenfrumvarptil  'a(isamningsumgreiWsluaWlgunergert.SstWatilskulueinnigboWaWirfundinn  byrgWarmennskuldara,samskuldararhansogYeirsemveitthafaveWeignumsnumtil a tryggingarkrfuhendurskuldaranum. T,   17.gr.  SamYykkisamningsumgreiWsluaWlgun.    y Umsj;narmaWursendirfrumvarptilsamningsumgreiWsluaWlgunsannanleganhtttil  X allralnardrottnasemYekktireruogmliWvarWar.LnardrottnumskalgefinnYriggjavikna K #  fresturtilaWtakaafstWutilfrumvarpsinsfrYvaWYaWersentogskalskUrlegakomafram    frumvarpihvenrfresturinnerenda.     y Umsj;narmaWurskalaWeiginfrumkvWileitastviWaWfsamYykkilnardrottnafyrir   frumvarpitilsamningsumgreiWsluaWlgun. wO   y HafilnardrottinnathugasemdirviWfrumvarpiWeWaleggisthanngegnYvskalhannlta B  umsj;narmannitskrifleganrkstuWningfyrirafstWusinniinnanfrestsinssemhannnUtur    tilaWtakaafstWutilfrumvarpsins.KomiekkiYennanhttframupplUsingarsemvaldiW   getaniWurfellinguumleitanatilgreiWsluaWlgunarskalumsj;narmaWurleitastviWaWf {  lnardrottinntilaWendurskoWaafstWusna,eftiratvikummeWYvaWgerasamrWiviW nF skuldarabreytingarfrumvarpinusemskalYsentWrumlnardrottnumnUjanleik. 9 Stj;rnvld,innheimtumaWureWafyrirsvarsmaWurstofnunareWaflagsopinberrieigugeta  samYykktfrumvarptilsamningsumgreiWsluaWlgunntillitstilkvWaWrumlgum,  reglugerWumeWasamYykktumhvaWvarWaraWrarkrfurensektir. r  y FrumvarptilsamningsumgreiWsluaWlguntelstsamYykktYegarallirlnardrottnarsem e= mliWsnertirhafasamYykktYaW.LnardrottinnsemhefurfengiWsendatilkynningu 0 samrmiviW1.mgr.oghefurekkilUstyfirviWumsj;narmannaWhannleggistgegn  frumvarpinuWurenYriggjaviknafresturinnrannttelsthafasamYykktYaW.   y EffrumvarptilsamningsumgreiWsluaWlguntelstsamYykktskuluskuldari, i umsj;narmaWurogumboWsmaWurskuldaraundirritaYaWogtekursamningurinnYYegar \4 gildi.HannskalYegarstaWsendurllumYekktumlnardrottnumskuldarans. '   V.KAFLI   UndirbningurnauWasamningsumleitanatilgreiWsluaWlgunarog `  greiWsluaWlgunarfasteignaveWkrafnabWarhsnWi.  S+! 18.gr. " kvrWunumaWleitanauWasamningsoggreiWsluaWlgunarfasteignaveWkrafna. #  y NhefursamningurekkitekistumgreiWsluaWlguneftirkvWumIV.kafla,enskuldari  $ hefurlUstyfirviWumsj;narmannaWhannviljileitanauWasamningsYvskyniogeftir !W% atvikumgreiWsluaWlgunarfasteignaveWkrafnabWarhsnWi.Skalumsj;narmaWurY J""& innantveggjaviknatakarkstuddaafstWutilYessskriflegrigreinargerWhvorthannmli #' meWYvaWnauWasamningureWagreiWsluaWlgunfasteignaveWkrafnakomist,enWurskal #( hanngefaskuldaranumkostaWendurskoWafrumvarptilsamningsumgreiWsluaWlgun $ ) lj;siathugasemdasemlnardrottnargerWuviWYaW.ViWmatYvhvortmltsmeWaW v%N!* nauWasamningureWagreiWsluaWlgunfasteignaveWkrafnakomistskalumsj;narmaWur A&"+ meWalannarsltatilYesshvortnokkuWhafikomiWframsemndverWuhefWittaWstanda  '", vegigreiWsluaWlgunar,hvortskuldarileitieftirgjafarumframYaWsemeWlilegtmegitelja '#- lj;sifjrhagshansogframtWarhorfa,hvortskuldarihafisinntskyldumsnumskv.12.gr. (z$. f      ogstaWiWaWWruleytiheiWarlegaaWverkiviWumleitanirtilgreiWsluaWlgunar,hvort ( raunhftsaWhannmunigetastaWiWviWskuldbindingarsnaraWfenginnigreiWsluaWlgun  oghvertsviWhorfYeirralnardrottnasemltiWhafaumleitanirtilhennartilsntaka.   y Mliumsj;narmaWurgegnYvaWnauWasamningureWagreiWsluaWlgun a fasteignaveWkrafnakomistskalhanntilkynnaYaWskuldaratafarlaust.SkuldarigeturskotiW T, YeirrikvrWuntilkrunefndargreiWsluaWlgunarmlainnanvikufrYvaWkvrWunvar  tekinogskalnefndintakaafstWutilkrunnarinnantveggjavikna.StaWfestinefndin  kvrWunumsj;narmannslUkurgreiWsluaWlgunarumleitunumYYegarogskal   umboWsmaWurskuldaratilkynnaYekktumlnardrottnumskuldaransumYaumlalok.Hrindi  X krunefndinkvrWunumsj;narmannsskalhannfarasvoaWsem19.og20.gr.segir. K #   y MeWanbeWiWerkvrWunarskv.1.eWa2.mgr.umhvortleitaWskulinauWasamningsog    eftiratvikumgreiWsluaWlgunarfasteignaveWkrafnahaldasthrifgreiWsluaWlgunarumleitana    skv.11.gr.SsWaneftirYvleitaWskuluYauhrifstandaframYartilYeirrimlaleitan   lUkur. wO    & , 19.gr.    FrumvarptilnauWasamningstilgreiWsluaWlgunar.   : y XegarafrWiWeraWleitanauWasamningstilgreiWsluaWlgunarskalumsj;narmaWurinnan {  tveggjaviknagerafrumvarptilsamningsins', FԀsemtakaskaltilannarrakrafnahendur nF skuldaraenYeirrasemtryggWarerumeWveWieWaannarskonartryggingarrttindumeignum 9 hans,enfrumvarpinuskaleftirfarandikomafram:  ! ! *(g00*"A0J"  A0JJ y2g  a  .3  Ԉ0    hvaWskuldaribj;WisttilaWgreiWaafskuldumsnum,semfrumvarpiWtekurtil,ogmeW  hvaWakjrum,A0JJw݌r   Ќ  "A0J"  A0J y2g  b  .3  Ԉ0    hvaWaYekktirlnardrottnareigiYessarkrfuroghversumikiWYeirfisinnhlut,A0J݌e=   Ќ  "A0J"  A0J y2g  c  .3  Ԉ0    hvorttryggingverWisettfyrirgreiWslumoghverhnYs.A0J"݌0   Ќ   y Frumvarpskv.1.mgr.skalsamtgreinargerWumsj;narmannsogeftiratvikumrskurWi  krunefndargreiWsluaWlgunarmlaskv.18.gr.senttilallraYekktralnardrottnaskuldarans.   y UmframhaldmlsfersamkvmtYvsemmlterfyrirumX.kaflaalagaum i gjaldYrotaskiptio.fl. \4   20.gr.  FrumvarptilgreiWsluaWlgunarfasteignaveWkrafnabWarhsnWi.   y XegarafrWiWeraWleitagreiWsluaWlgunarfasteignaveWkrafnabWarhsnWi,hvortsem `  YaWergertsamhliWaYvaWleitanauWasamningsskv.19.gr.eWanYess,skalumsj;narmaWur S+! gerafrumvarptilslkrargreiWsluaWlgunarogboWaveWhafainnantveggjaviknatilfundar " eftirfyrirmlum5.gr.lagaumtmabundnagreiWsluaWlgunfasteignaveWkrafna # bWarhsnWi.UmframhaldmlsfersamkvmtYvsemmlterfyrirumYeimlgumn  $ YessaWd;msrskurWurgangiumheimildtilgreiWsluaWlgunar,enumsj;narmaWursem !W% skipaWurhefurveriWskv.9.gr.skalgegnahlutverkiumsj;narmannseftirreglumYeirralaga. J""&   VI.KAFLI #(  GreiWslatillnardrottna.  $ ) 21.gr. v%N!* SkiptinggreiWslnamillilnardrottna. A&"+  y GreiWslursemskiptaskalmillilnardrottnasamkvmtsamningiumgreiWsluaWlgun  '", skiptasthlutfallslegaeftirfjrhWkrafnameWeftirfarandiundantekningum: '#- ! ! *(g00*"A0J"  A0J( y2g  a  .3  Ԉ0    EfskuldariheldureftireignumsemveWkrfurhendurhonumhvlaskalhanngreiWa (z$. fastarmnaWargreiWslurafYeimveWkrfum,semeruinnanmatsverWseignar,tmabili m)E%/ greiWsluaWlgunarogskalYeimvariWtilgreiWslukrafnaeftirkvWum2.mgr.7.gr. ( laganr.50/2009,umtmabundnagreiWsluaWlgunfasteignaveWkrafnabWarhsnWi.  FastarmnaWargreiWslurmegaekkinemalgrifjrhWenYeirrisemtlamsamkvmt  matiumsj;narmannsaWsvaritilhfilegrarleigualmennummarkaWifyrireigninasem a greiWsluaWlgunvarWarnemasrstakarogtmabundnarstWursufyrirhendi.ViW T, slkaraWstWurerumsj;narmanniheimiltaWkveWatmabundiWlgrimnaWargreiWslu  tilgreiWsluveWkrafnaenY;ekkilgrien60%afhfilegrileigu.Xessarkrfurfallaekki  niWurYegargreiWsluaWlgunlUkur.ShlutiveWtryggWrakrafnasemeryfirmatsverWi   YeirrareignarsemstendurtiltryggingarskalgreiddursamkvmtgreiWsluaWlguninni  X samahttog;veWtryggWarkrfur.XegarminnaenYrrmnuWirerutillokatmabils K #  greiWsluaWlgunarenWurenYaWerendageturskuldarileitaWeftirYvaWveWbnd    verWimWaffasteigneftirreglum12.gr.laganr.50/2009,umtmabundna    greiWsluaWlgunfasteignaveWkrafnabWarhsnWi,endasfullngtllumalmennum   skilyrWumfyrirYeirriaWgerWsamkvmtYeimlgum.A0J(U݌wO    Ќ  "A0J"  A0JL y2g  b  .3  Ԉ0    KrfursemgreiWsluaWlguntekurekkitil,sbr.1.mgr.3.gr.,skulugreiWastaWfullu.A0JLy݌B    Ќ   y EfndirkrfusamrmiviWsamningumgreiWsluaWlgunhafasmuhrifogefkrafan    hefWiveriWefndeftirupphafleguefnisnu.    y UmboWsmaWurskuldaraskalsjtilYesstkatWWurenkomiWeraWfyrstagjalddaga {  samkvmtgreiWsluaWlgunaWskuldarikomiYvtilleiWaraWfjrmlafyrirtkimiWlifyrir nF hanngreiWslumsamkvmthenni. 9   22.gr.  Umdeildarkrfur. r  y EfkrafaerumdeildaWmatiumsj;narmannsskalleggjafjrmunitilhliWartilaWmta e= hennisamrmiviWskilmlasamningsumgreiWsluaWlgun.Komilj;saWskuldaraberiaW 0 greiWakrfunafellurhnundirkvWisamningsins.EfekkierugerWarrWstafanir,meW  mlshfWuneWaWrumaWgerWum,tilYessaWfskoriWrgildikrfunnarinnansexmnaWa  frYvaWsamningurumgreiWsluaWlgunkomstskalumboWsmaWurskuldaraskipta i fjrmununummilliYeirralnardrottnasemsamningurinnnrtil. \4   23.gr.  byrgWarkrfur.   y EfskuldarierskuldbundinntilaWgreiWafsamkvmtbyrgWaryfirlUsingusemhann `  hefurgefiWWurenums;knumgreiWsluaWlgunvarsamYykkt,enskyldasamkvmtYeirri S+! yfirlUsinguerennekkivirkYegarsamningurumgreiWsluaWlguntekurgildi,skalekkigert " rWfyrirskuldbindingunniviWgreiWsluaWlgunina.VerWibyrgWarskuldbindingvirksWar # skalfariWeftirkvWumlagaYessaraumbreytingargreiWsluaWlguneinsogviWgeturtt.  $ SkuldaraberY;ekkiaWgreiWameiraafYeirriskuldsemhannhefurtekiWbyrgWennemur !W% Yvhlutfalliaf;veWtryggWumkrfumsemhonumberaWgreiWasamkvmt J""& greiWsluaWlguninni. #'   VII.KAFLI $ )  Breyting,riftuneWa;gildingsamningsumgreiWsluaWlgun.  v%N!* 24.gr. A&"+ BreytingsamningiumgreiWsluaWlgunaWkrfuskuldara.  '",  y SkuldarigeturkrafistYessaWgerWarverWibreytingarskilmlumsamningsum '#- greiWsluaWlgunefgreiWsluaWlgunartmabilinukomaupp;fyrirsjanlegaraWstWursem (z$. veikjagetuhanstilYessaWuppfyllaskyldursnarsamkvmtsamningnum. m)E%/ b       y EfskuldarahefureftiraWgreiWsluaWlgunartmabilh;fstveriWgertkunnugtumskuldsem ( stofnaWistWurenums;knhansumgreiWsluaWlgunvarsamYykktverWurskuldinfelldundir  greiWsluaWlgunina.SkalgreittafhennisamrmiviWYaWsemgreitterafsamsvarandi  krfum,Y;einungisfrYeimtmasemkrafanvarkynntskuldara.Skuldaraer;heimiltaW a greiWakrfunautangreiWsluaWlgunar. T,  y EkkierunntaWkrefjastbreytingasamningiumgreiWsluaWlgunsamrmiviW1.mgr.  fyrrenskuldarihefurfullreyntaWnYeimframmeWsamningumviWallalnardrottna.Nist  slktsamkomulagskalYaWlagtfyrirumboWsmannskuldaraogtakabreytingarnarekkigildi   fyrrenumboWsmaWurskuldarahefursamYykktYr.TeljiumboWsmaWurskuldara  X breytingarnar;sanngjarnareWa;hfilegarskalhannhafnaYeim.kvrWunumboWsmanns K #  skuldaraYessefnisgeturskuldarieWalnardrottnarkrttilkrunefndar    greiWsluaWlgunarmlainnanvikufrYvaWkvrWunumboWsmannsberstYeim.      25.gr. wO  Breyting,riftuneWa;gildingsamningsumgreiWsluaWlgun. B   y Lnardrottinn,semgreiWsluaWlguninnrtil,geturkrafistYessaWgerWarverWibreytingar    greiWsluaWlguneffjrhagsstaWaskuldarabatnarumtalsvertgreiWsluaWlgunartmabilinu.   HafifjrhagsstaWanbatnaWvegnaYessaWskuldarihefurfengiWhendurhafjrhWgetur {  lnardrottinnkrafistYessaWfnuverWiskiptaWhlutaeWaaWfullumillilnardrottnanYess nF aWsamningnumumgreiWsluaWlgunsbreyttaWWruleyti. 9 &   y Lnardrottinn,semsamningurumgreiWsluaWlgunnrtil,geturkrafistYessaWhonum  verWirifteWahann;gilturefskuldarihefurvanrktverulegaskyldursnarsamkvmt  samningnum. r  y SamningurumgreiWsluaWlgunfellursjlfkrafargildiefskuldarifrheimildtilaWleita e= nauWasamnings,bhansertekiWtilgjaldYrotaskiptaeWahannfellurfrogdnarbhanser 0 tekiWtilskiptanYessaWerfingjartakisigbyrgWskuldbindingumhans.'#    & , 26.gr. i MlsmeWferWvegnabreytinga,riftunareWa;gildingar \4 samningiumgreiWsluaWlgun. ' ', y KrfuumbreytingusamningiumgreiWsluaWlgunskalbeinttilumboWsmannsskuldara  meWskrifleguerindi.UmboWsmaWurskuldarasendiraWilumsemmliWvarWarframkomiW  erindiogkallareftirnauWsynlegumupplUsingum.BoWaWskaltilfundareflnardrottinneWa `  skuldarikrefstYesseWaumboWsmaWurskuldaratelurYaWnauWsynlegt.UmboWsmaWur S+! skuldaraskaltakakvrWunumerindiWinnanmnaWarfrYvaWkrafaberst.kvrWun " umboWsmannsskuldarageturskuldarieWalnardrottinnkrttilkrunefndar # greiWsluaWlgunarmlainnanvikufrYvaWkvrWunumboWsmannsberstYeim.AW  $ fengnumrskurWinefndarinnarerheimiltaWhfWaeinkamltil;gildingarkvrWuninni. !W%  y KrfuumriftuneWa;gildingusamningsumgreiWsluaWlgungeturlnardrottinnhaftuppi J""& fyrird;mieinkamlihendurskuldaranum. #'   27.gr. $ ) UpplUsingaskyldaskuldaragagnvartlnardrottnum. v%N!* U y EfuppkomaaWstWursemveitalnardrottnumrtttilaWkrefjastbreytingasamningi A&"+ umgreiWsluaWlgun,;gildinguhanseWariftunskalskuldariinnaneinsmnaWarogtryggan  '", httupplUsalnardrottnaumYraWstWur. '#-  (z$.   VIII.KAFLI (  TmiskvWi.   28.gr.  SkrninggreiWsluaWlgunaro.fl. a ; y Umsj;narmaWurskal;skaeftirYvaWathugasemdumsamYykkiumboWsmannsskuldara T, ums;knskuldaraumgreiWsluaWlgunverWiskrWYinglUsingabkur,eftirYvsemviW.  Skalsskrningveragjaldfrjls.   y UmboWsmaWurskuldaraskalhaldaskryfirallasemfengiWhafaheimildtilaWleita   greiWsluaWlgunar.  X  y XegargreiWsluaWlgunartmabilerliWiWskuluyfirvldogeftirlitsaWilareinungisnota K #  upplUsingarumgreiWsluaWlgunskuldaratilaWkannahvortskuldarihafiWurfengiW    greiWsluaWlgunsamrmiviWlgYessi.     y HafiskuldarifengiWaWhaldaeftirveWsettumeignummeWangreiWsluaWlgunartmabili   stendursamkvmtlgumYessumogeignirnareruskrWaropinberumskrmskalskr wO  athugasemdumgreiWsluaWlguninaYar. B    29.gr.   YfirlUsingafmWeftiraWgreiWsluaWlgunartmabilierlokiW. {  | y XegargreiWsluaWlgunartmabilierlokiWgeturskuldarigegnframvsunsamningsum nF greiWsluaWlgunogyfirlUsingarumboWsmannsskuldaraumaWgreiWsluaWlgunslokiW 9 krafistaflUsingarathugasemdarskv.1.mgr.28.gr.    30.gr. r GreiWslakostnaWar. e= j y UmboWsmaWurskuldaraberkostnaWviWmeWferWums;knarumgreiWsluaWlgunogstrf 0 umsj;narmanna.LnardrottnarberaYannkostnaWsemYfellurafmeWferWums;knarum  greiWsluaWlgun&  ogframkvmdhennar.KostnaWurafslueignargreiWistafsluandvirWi  hennar.' i   31.gr. ' KrfursemhefurekkiveriWtilkynntum.   y KrfursemurWutilWurenums;knumgreiWsluaWlgunvarsamYykktogskuldarihefur  ekkiveriWkrafinnumgreiWsluaWlgunartmabilinufallaniWurYegarYvlUkur. `    32.gr. " KrunefndgreiWsluaWlgunarmla. #  y FlagsogtryggingamlarWherraskalskipakrunefndgreiWsluaWlgunarmlatilfjgurra  $ rasenn.HeimilteraWskj;tatilhennarkvrWunumsamrmiviWkvWilagaYessara. !W%  y 0krunefndgreiWsluaWlgunarmlasitjaYrrmenn.SkuluaWminnstakostitveirYeirra J""& hafaembttiseWameistarapr;flgfrWiogannaruppfyllahfisskilyrWitilaWvera #' hraWsd;mari.RWherraskiparnefndarmannsemfullngirYeimskilyrWumtilaWvera #( formaWurkrunefndar. $ )  y BrskurWirkrunefndargreiWsluaWlgunarmlaeruendanlegirstj;rnsUslustigi. v%N!*  y RWherraseturreglugerWumstrfnefndarinnar. A&"+    '",   &   33.gr. ( hrifgreiWsluaWlgunarrttskuldaratilgreiWslna  eWaaWstoWarfrrkieWasveitarflgum.  2 y ShlutiskuldasemfelldurerniWursamkvmtgreiWsluaWlgunskerWirekkirttskuldara a tilhverskonargreiWslnaeWaaWstoWarfr'(>rkieWasveitarflgum. T, @vv&`34.gr.  @0 0 `VerklagsreglurumframkvmdgreiWsluaWlgunar.    y UmboWsmaWurskuldaraseturverklagsreglurumframkvmdgreiWsluaWlgunarsem  X rWherrastaWfestirogbirtaskalopinberlega. K #    35.gr.    Gildistaka.   | y LgYessiWlastgildi1.gst2010. wO    36.gr.    BreytingarWrumlgum.   ' y ViWgildistkulagaYessaraverWaeftirfarandibreytingarWrumlgum: {  ! ! 4ABCD(%00*"A0J"  A0J y2%  1  .3  Ԉ0    Lgnr.21/1991,umgjaldYrotaskiptio.fl.,breytastsemhrsegir:A0J݌nF   Ќ  "C"  C0 y 0y y e2%  a  .3  Ԉ0    63.gr.alagannaorWastsvo:C݌9   Ќ  "I"  I0 y 0y y 0e  2%3  0e e    SsemrangurslausthefurleitaWsamningsviWlnardrottnasnaeftirkvWum  lagaumgreiWsluaWlguneinstaklingagetursamkvmtfyrirmlumYessakaflaleitaW  nauWasamningstilgreiWsluaWlgunar,enslkursamningurgeturaWeinshafthrif r krfursemnauWasamningureftiralmennumkvWumlagaYessaratekurtil,sbr. e= 28.gr.I ݌0   Ќ  "I"  I 0 y 0y y 0e  2%3  0e e    Einstaklingursember;takmarkaWabyrgWatvinnustarfsemi,hvortsemhann  hefurlagtstundhanaeinneWaflagiviWaWra,geturY;ekkileitaWnauWasamnings  tilgreiWsluaWlgunarsamkvmtYessumkaflanemaskuldirsemstafafr i atvinnurekstrinumsutiltlulegaltillhlutiafheildarskuldumhans.I  ݌\4   Ќ  "I"  I= 0 y 0y y 0e  2%3  0e e    SsemleitavillnauWasamningstilgreiWsluaWlgunarskalleggjafyrir ' hraWsd;marafrumvarpumsj;narmannsmeWgreiWsluaWlguntilslkssamnings  samtkrfuumstaWfestingunauWasamningssamkvmtfrumvarpinuinnanvikufr  YvaWumsj;narmaWurltYaWfrsrfara,enfrumvarpiWhefurYsmuhrifogef `  YaWhefWiveriWsamYykktaflnardrottnumviWatkvWagreiWsluum S+! nauWasamningsfrumvarpeftiralmennumreglumlagaYessara.I= j ݌"   Ќ  "I"  I0 y 0y y 0e  2%3  0e e    & a MeWbeiWniumstaWfestingunauWasamningstilgreiWsluaWlgunarskulufylgja # samritallragagnasemlgufyrirviWumleitanirtilaWkomasamningium  $ greiWsluaWlgunsamtgreinargerWumsj;narmanns.'aWI݌!W%   Ќ  "C"  C0 y 0y y e2%  b  .3  Ԉ0    63.gr.blagannaorWastsvo:C݌J""&   Ќ  "I"  I0 y 0y y 0e  2%3  0e e    EftirYvsemttgeturviWskalfariWeftirkvWum55.!59.gr.viWmeWferWkrfu #' umstaWfestingunauWasamningsskv.63.gr.a.ReglurX.kaflagildaum #( nauWasamningtilgreiWsluaWlgunaraWfrtalinni3.mgr.60.gr.I݌$ )   Ќ  "C"  C0 y 0y y e2%  c  .3  Ԉ0    63.gr.c!63.gr.ilagannafallabrott.CC݌v%N!*   Ќ  "C"  CG0 y 0y y e2%  d  .3  Ԉ0    FyrirsgnX.kaflaalagannaverWur: NauWasamningurtilgreiWsluaWlgunar. CGt݌A&"+   Ќ  "C"  C0 y 0y y e2%  e  .3  Ԉ0    0staWorWanna?41.,42.eWa2.mgr.63.gr.g 3.tlul.2.mgr.65.gr.laganna  '",  kemur:41.eWa42.gr.C݌'#-   Ќ  "A0J"  A0JH y2%  2  .3  Ԉ0    & O  3.mgr.9.gr.laganr.32/2009,umbyrgWarmenn,orWastsvo:A0JHu݌(   Ќ  "B"  B}0 y 2%3  0y y    e   XrttfyrirkvWi4.mgr.60.gr.lagaumgjaldYrotaskiptio.fl.skalnauWasamningur  eWannureftirgjf,Y.m.t.nauWasamningurtilgreiWsluaWlgunarogsamningurum  greiWsluaWlgun,semkveWurumlkkunkrfuhendurlntakaeWaaWalskuldarahafa a smuhriftillkkunarkrfuhendurbyrgWarmanni.B}݌T,   Ќ  "A0J"  A0J y2%  3  .3  Ԉ0    2.mlsl.3.tlul.28.gr.laganr.90/2003,umtekjuskatt,orWastsvo:HiWsamaviWum  eftirgefnarskuldirsemmlterfyrirumsamningiumgreiWsluaWlgunsamkvmt  lgumumgreiWsluaWlguneinstaklingaeWanauWasamningitilgreiWsluaWlgunarskv.   X.kaflaalgumumgjaldYrotaskiptio.fl.,nr.21/1991,meWorWnumbreytingum,eWa  X annanfullngjandihttersannaWaWeignireruekkitilfyrir,aWuppfylltumskilyrWum K #  samkvmtreglugerWsemfjrmlarWherraseturumhlutlgtmatforsendum    eftirgjafar,skilyrWiYessaWeftirgjfteljistekkitiltekna,upplUsingagjfskv.92.gr.o.fl.A0J"݌     Ќ  'O (   kvWitilbrWabirgWa. wO  "  y XrttfyrirgildistkulagaYessaraskalljkameWferWbeiWniumheimildtilaWleita B  nauWasamningstilgreiWsluaWlgunargrundvelliX.kaflaalagaumgjaldYrotaskiptio.fl.,    nr.21/1991,semlgWhefurveriWfyrirhraWsd;mfyrirgildistkulagaYessara,endafalli   skuldariekkifrbeiWnisinni.RttaraWstoWmveitagrundvellilaganr.65/1996tilaWljka {  meWferWslkrarbeiWni. nF A%N)  dEA e= @ `X9lXOSamYykktAlYingi24.jn2010.#OXX9l%#