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A&"+   XegarumeraWrWaslueWamarkaWssetningusmaskilningi9.gr.laganr.33/2005,  '", umfjarslufjrmlaYj;nustu,skallUsinguhelstueinkennumfjrmlaYj;nustusemskal '#- veitaskv.2.tlul.2.mgr.9.gr.smulagatiltakaaWlgmarkiYauatriWisemerutilgreind ( c!f-ogh-liW4.mgr.,samtrlegrihlutfallstlukostnaWar,tskUrtmeWviWeigandidmiog  heildarfjrhWsemneytandaberaWgreiWa.    EfsamningurinnhefurveriWgerWuraWbeiWnineytandameWfjarskiptaaWferWskilningi a 3.tlul.4.gr.laganr.33/2005,umfjarslufjrmlaYj;nustu,semgerirYaW;kleiftaWveita T, upplUsingarnarsamrmiviW1.!4.mgr.,einkumtilvikumskv.6.mgr.,skallnveitandi,  YegarstaWeftirgerWsamnings,veitaneytandaallarupplUsingarsemveitaskalWuren  samningurergerWur,stWluWueyWublaWisemrWherrabirtirreglugerW,sbr.2.mgr.     AukstaWlaWseyWublaWsskv.2.mgr.skalneytandif,samkvmtbeiWnioghonumaW  X kostnaWarlausu,afritafdrgumaWlnssamningi.XettakvWigildirekkieflnveitandier, K #  YegarbeiWninerlgWfram,;fsaWgeralnssamningviWneytanda.      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KrfurumupplUsingarfyrirogviWgerWtiltekinnalnssamningaformi  yfirdrttarheimildarogtiltekinnasrstakralnssamninga. i 0  Lnveitandiog,efviW,lnamiWlariskal,ngilegalnguWurenneytandiverWurbund \4 innaflnssamningieWatilboWivarWandilnssamning,sbr.1.eWa3.mgr.2.gr.,grundvelli ' lnsskilmlaogskilyrWalnveitandaog,efviW,srstakra;skaogupplUsingafrneytanda,  veitaneytandanauWsynlegarupplUsingartilaWgetaboriWsaman;lktilboWogtekiWupplUsta  kvrWunumYaWhvortgeraskulilnssamning. `    0viWkomandiupplUsingumskaleftirfarandikomafram: S+! ! ! 6(Eh883"i(m"  i(my2Eh  a  .3  Ԉ0    tegundlns,i(my݌" Ќ  "i(m"  i(mb2Eh  b  .3  Ԉ0    auWkenniogheimilisfanglnveitanda,svoogauWkenniogheimilisfanglnamiWlarasem # hlut,efviW,i(mb݌ $ Ќ  "i(m"  i(mț2Eh  c  .3  Ԉ0    heildarfjrhWlnsogskilyrWifyrirnUtinguYess,i(mț݌!W% Ќ  "i(m"  i(m2Eh  d  .3  Ԉ0    gildistmilnssamnings,i(m݌J""& Ќ  "i(m"  i(mٝ2Eh  e  .3  Ԉ0    tlnsvextir,skilyrWinsemgildaumbeitinguYeirravaxta,vsitlueWaviWmiWunarvaxta #' semgildaumupphaflegatlnsvexti,kostnaWurfrYeimtmaYegarlnssamningurer #( gerWurog,efviW,skilyrWifyrirYvaWunntsaWbreytakostnaWi,i(mٝ݌$ ) Ќ  "i(m"  i(m2Eh  f  .3  Ԉ0    rleghlutfallstalakostnaWar,skUrtmeWlUsandidmumYarsemframkomaallarfor v%N!* sendursemerunotaWarviWtreikninghlutfallstlu,i(m+݌A&"+   "i(m"  i(m2Eh  g  .3  Ԉ0    skilyrWiogmlsmeWferWeflnssamningiersagtupp,i(mš݌ '", Ќ  "i(m"  i(m2Eh  h  .3  Ԉ0    &   YegarumeraWrWalnssamningaskv.1.mgr.2.gr.,efviW,upplUsingarumaWhve ( nrsemermegikrefjaneytandaumendurgreiWsluallrarlnsfjrhWar,'(Ki(mߢ݌ Ќ  "i(m"  i(m2Eh  i  .3  Ԉ0    gildandivextirYegarumeraWrWagreiWslueftirgjalddagaogfyrirkomulagviWbreyt  inguYeimog,efviW,annarkostnaWursemgreiWaYarfvegnavanskila,i(m݌a Ќ  "i(m "  i(m02Eh  j  .3  Ԉ0    rtturneytandatilaWfYegarstaWupplUsingar,honumaWkostnaWarlausu,umniWur T, stWurleitargagnasafnisemergerWYeimtilgangiaWmetagreiWslugetuoglnshfi  hansskv.2.mgr.11.gr.,i(m0]݌ Ќ  "i(m "  i(m"2Eh  k  .3  Ԉ0    YegarumeraWrWalnssamningaskv.1.mgr.2.gr.,upplUsingarumYannkostnaWsem   hefurorWiWfrYeimtmaYegarslkirsamningarerugerWirog,efviW,forsendurfyrir  X YvaWunntsaWbreytaYeimkostnaWi,i(m"O݌K #  Ќ  "i(m "  i(m12Eh  l  .3  Ԉ0    efviW,tmabiliWsemlnveitandierbundinnafYvaWveitaupplUsingarWurensamn    ingurergerWur.i(m1^݌   Ќ   3(5h88 6  VeitaskalupplUsingarskv.1.mgr.pappreWameWWrumvaranlegummiWliogallar   upplUsingarskuluverajafnberandi.VeitamYrmeWYvaWnotastaWlaWeyWublaWsem wO  rWherrabirtirreglugerW,sbr.2.mgr.7.gr.Lnveitanditelsthafauppfylltkrfurumupp B  lUsingarsamkvmtYessarimlsgreinogskv.5.!8.gr.laganr.33/2005,umfjarslufjr    mlaYj;nustu,efhannhefurveittlnsupplUsingarstWluWueyWublaWi,sbr.2.mgr.7.gr.     XegarumeraWrWalnssamningaskv.3.mgr.2.gr.skuluupplUsingarnar,semeruveitt {  arneytandasamrmiviW1.mgr.Yessarargreinar,einnigfelasr: nF ! ! 6(Eh883"i(m"  i(m12Eh  a  .3  Ԉ0    fjrhW,fjldaogtWnigreiWslnasemneytandiYarfaWstandaskilog,efviW,meW 9 hvaWahttigreiWslumverWurskipthinarUmsutistandandiskuldirmeWmismunandi  tlnsvxtumYegarumendurgreiWslueraWrWa,ogi(m1^݌ Ќ  "i(m"  i(mD2Eh  b  .3  Ԉ0    rttinntilgreiWslufyrirgjalddagaog,efviW,upplUsingarumrttlnveitandatilb;ta r oghvaWahttYrbturverWakvarWaWar.i(mDq݌e= Ќ   3(5h886  XegarumeraWrWasamskiptismaogYegarneytandi;skareftirYvaWfyfirdrttar 0 heimildYegarstaWskallUsinghelstueinkennumfjrmlaYj;nustua.m.k.felasrYau  atriWisemumgeturc-liW,e!f-liWogh-liW2.mgr.AukYessskallUsinginhelstueinkennum  lnssamningumskv.4.mgr.felasrupplUsingarumgildistmalnssamnings. i   XrttfyrirundanYgunasemkveWiWerume-liW1.mgr.3.gr.skulukrfur1.mlsl.6. \4 mgr.gildaumlnssamningaformiyfirdrttarheimildarogYegargreiWaYarflniWinnaneins ' mnaWar.    AukupplUsingaskv.1.!6.mgr.skalneytandif,samkvmtbeiWnioghonumaWkostn  aWarlausu,afritafdrgumaWlnssamningisemhafaaWgeymaYrupplUsingarumsamning `  semkveWiWerum12.gr.,aWsvomikluleytisemhnviW.XettakvWigildirekkief S+! lnveitandier,YegarbeiWninerlgWfram,;fsaWgeralnssamningviWneytanda. "   EfsamningurhefurveriWgerWuraWbeiWnineytandameWfjarskiptaaWferWskilningi3. # tlul.4.gr.laganr.33/2005,umfjarslufjrmlaYj;nustu,semgerir;kleiftaWveitaupp  $ lUsingarsamrmiviW1.!4.mgr.,einkumtilvikumskv.6.mgr.,skallnveitandiYegar !W% staWeftirgerWsamningsuppfyllaskyldursnarskv.1.!4.mgr.meWYvaWveitaupplUsingar J""& umsamningskv.12.gr.,aWsvomikluleytisemhnviW. #'   9.gr. $ ) UndantekningarfrkrfumumupplUsingagjfWurensamningurergerWur. v%N!* ߻  Vru-eWaYj;nustuveitendursemhafalnamiWlunsemaukastarferuekkibundniraf A&"+  kvWum7.!8.gr.XessiundanYgahefurekkihrifskyldulnveitandatilaWtryggjaaW  '", neytandifiYrupplUsingarsemveitaskalWurensamningurergerWurog&   umgetur ( Yessumgreinum.'(    & a 10.gr. a Lnshfis-oggreiWslumat. T, Q  Wurensamningurumneytendalner'a]gerWurskallnveitandimetalnshfineytanda.    Lnveitandiskal,auklnshfismatsskv.1.mgr.,framkvmagreiWslumatviWlnveitingu  effjrhWlnssamningser1.000.000kr.eWameira.Xegarumhj;neWasambWarf;lkeraW   rWaskalframkvmagreiWslumatWurenlnssamninguraWfjrhW2.000.000kr.eWameira  X ergerWur K #    :heimilteraWveitalntakalnefmatlnshfieWagreiWslumatleiWirlj;saWhannhafi    auglj;slegaekkifjrhagslegaburWitilYessaWstandaskilummeWlniW.Vkjamfr    kvWiYessuefvirWiveWaeWaannarratryggingasemlnveitandileggurframermeira   YeimtmaerlniWerveittenheildarfjrhWlns.LnveitandiberekkibyrgWYvefln wO  takiframvsarrngumupplUsingumvegnaframkvmdarlnshfis-eWagreiWslumats,nema B  hannviti,eWaeWlilegtYykimeWtillititilaWstWnaaWhannhafimttvita,aWupplUsingarnar    surangar.     Ef;skaWereftirhrrilnsheimildenWurhefurveriWveitteWaframlengingulnstma {  skalendurnUjalnshfisog,efviW,greiWslumat.EkkiYarfaWY;aWendurnUjamatef nF hkkunlnssamningsnemur500.000kr.eWalgrifjrhWeWaframlengingvarirlengsttil 9 YriggjamnaWa.    RWherraseturreglugerWumnnariframkvmdlnshfis-oggreiWslumats,Y.m.t.um  hvaWagagnaskalltatil,skrninguoguppfrslugagna,endurgreiWslutmabil,neysluviWmiW r ogundanYgur. e=   III.KAFLI   AWganguraWgagnasafni.   11.gr. i AWganguraWgagnasafni. \4   ViWlnveitinguyfirlandamriskululnveitendurfrWrumaWildarrkjumhafaaWgang ' aWYeimgagnasfnumsemerunotuWtilaWmetalnshfineytenda.SkilyrWinfyriraWgangi  skuluveranmismununar.    Eflnsums;knerhafnaWgrundvellileitargagnasafniskallnveitandiupplUsaneyt `  anda,YegarstaWoghonumaWkostnaWarlausu,umniWurstWurslkrarleitarogveitannari S+! upplUsingarumgagnasafniWsemleitaWvar. "   IV.KAFLI  $  UpplUsingarogrttindivarWandilnssamninga.  !W% 12.gr. J""& UpplUsingarsemskulukomaframlnssamningum. #' J  LnssamningarskuluskrWirpappreWaveraWrumvaranlegummiWli.Allirsamn #( ingsaWilarskulufafritaflnssamningi. $ )   0lnssamningiskalkomaframskUranoghnitmiWaWanhtt: v%N!* ! ! 6(Eh883"i(m"  i(m 2Eh  a  .3  Ԉ0    tegundlns,i(m 7݌A&"+ Ќ  "i(m"  i(m2Eh  b  .3  Ԉ0    nafn,kennitalaogheimilisfangsamningsaWila;einnig,efviW,nafn,kennitalaogheim  '", ilisfanglnamiWlarasemhlut,i(m ݌'#- Ќ  "i(m"  i(mh2Eh  c  .3  Ԉ0    gildistmilnssamnings,i(mh݌( Ќ  "i(m"  i(m]2Eh  d  .3  Ԉ0    heildarfjrhWlnsogskilyrWifyrirnUtingu,i(m]݌ Ќ  "i(m"  i(mq2Eh  e  .3  Ԉ0    & a umhvaWavrueWaYj;nustueraWrWaogstaWgreiWsluverWhennar,YegarumeraWrWa  lnYvformiaWgreiWslusrstakrarvrueWaYj;nustuerfrestaWogtengdalnssamn a inga,'a i(mq݌T, Ќ  "i(m"  i(m2Eh  f  .3  Ԉ0    tlnsvextir,skilyrWiumbeitinguYeirraog,efviW,vsitalaeWaviWmiWunarvextirsem  getahafthrifupphaflegatlnsvexti,svoogtmabil,skilyrWiogmlsmeWferWviW  breytingutlnsvxtum;gildimismunanditlnsvextirviWmismunandiaWstWurskal   veitaWurnefndarupplUsingarumYalla,i(m݌ X Ќ  "i(m"  i(m2Eh  g  .3  Ԉ0    rleghlutfallstalakostnaWarogheildarfjrhWsemneytandigreiWir,reiknaWumleiWog K #  lnssamningurergerWur;tilgreinaskalallarforsendursemerunotaWarviWtreikning    hlutfallstlu,i(m&݌   Ќ  "i(m"  i(m2Eh  h  .3  Ԉ0    fjrhW,fjldiogtWnigreiWslnasemneytandiYarfaWstandaskilog,efviW,meW   hvaWahttigreiWslumverWurskipthinarUmsutistandandiskuldirmeWmismunandi wO  tlnsvxtumYegarumendurgreiWslueraWrWa,i(m݌B  Ќ  "i(m"  i(m2Eh  i  .3  Ԉ0    sumaWrWalnssamningmeWfstumendurgreiWslutmaYarsemhfuWst;lllnsins    ergreiddurniWur,rtturneytandatilaWfafhent,samkvmtbeiWnioghonumaWkostn   aWarlausu,hvenrsemergildistmalnssamnings,reikningsyfirlitforminiWur {  greiWslutflu;taflanskalsUnagreiWslursemYarfaWinnaafhendiogtmabilogskilyrWi nF varWandigreiWslurslkrafjrhWa;tflunniskalkomaframsundurliWunallragreiWslna 9 semsUnirniWurgreiWsluhfuWst;ls,vextisemerureiknaWirgrundvellitlnsvaxtaog,  efviW,allanviWb;tarkostnaW;sekkiumfastavextiaWrWaeWaviWb;tarkostnaWsem  kannaWverWabreyttsamkvmtlnssamningiskalkomaframniWurgreiWslutflu, r skUranoghnitmiWaWanhtt,aWggnintflunnihaldistaWeinsgildiYartiltlns e= vxtumeWaviWb;tarkostnaWierbreyttsamrmiviWlnssamning,i(m݌0 Ќ  "i(m "  i(mj2Eh  j  .3  Ԉ0    yfirlitsemsUnirtmabilogskilyrWifyrirgreiWsluvxtumogtengdumkostnaWi,fstum  eWatilfallandi,efgreiWaskalkostnaWogvextinYessaWhfuWst;llsniWurgreiddur,i(mj݌ Ќ  "i(m "  i(m12Eh  k  .3  Ԉ0    efviW,kostnaWurviWaWhafaeinaeWafleirilnalnurYarsembWigreiWslufrslurog i nUtinglnaeruskrW,nemavalfrjlstsaWopnalnalnu,samtkostnaWiviWnotkun \4 greiWsluleiWabWifyrirgreiWslufrslurognUtingulna,ogannarkostnaWurvegna ' lnssamningsogforsendurfyrirYvaWunntsaWbreytaYessumkostnaWi,i(m1^݌ Ќ  "i(m "  i(m2Eh  l  .3  Ԉ0    gildandivextirYegarumeraWrWagreiWslueftirgjalddagasemgildaYeimtmaYegar  lnssamningurergerWurogfyrirkomulagviWbreytinguYeimog,efviW,kostnaWur `  semgreiWaYarfvegnavanskila,i(m ݌S+! Ќ  "i(m "  i(m[[2Eh  m  .3  Ԉ0    afleiWingarvegnavangoldinnagreiWslna,i(m݌" Ќ  "i(m "  i(m2Eh  n  .3  Ԉ0    efviW,kostnaWursemneytandikannaWYurfaaWgreiWavegnaYinglUsingareWaskrn # ingarlnssamnings,i(m݌ $ Ќ  "i(m"  i(mX2Eh  o  .3  Ԉ0    efviW,tilskildarvtryggingarogtryggingar,i(mX݌!W% Ќ  "i(m"  i(mh2Eh  p  .3  Ԉ0    rtturtilaWfallafrsamningi,tmabiliWYegarnUtamYannrttognnurskilyrWium J""& nUtinguna,Y.m.t.upplUsingarvarWandiYskylduneytandaaWgreiWaYaWfjrmagnsem #' hefurveriWgreitttsamtvxtumsamrmiviWb-liW3.mgr.16.gr.ogvaxtafjrhW #( inasemfellurtilgreiWsluhverndag,i(mh݌$ ) Ќ  "i(m"  i(m2Eh  q  .3  Ԉ0    upplUsingarvarWandirttsemleiWiraf17.gr.,svoogskilyrWinfyrirnUtinguYessrttar,i(m݌v%N!* Ќ  "i(m"  i(m62Eh  r  .3  Ԉ0    rtturtilgreiWslufyrirgjalddagaskv.18.gr.,mlsmeWferWviWgreiWslufyrirgjalddaga A&"+ og,efviW,upplUsingarumrttlnveitandatilb;taoghvaWahttYrbturverWa  '", kvarWaWar,i(m6c݌'#- Ќ  "i(m"  i(m2Eh  s  .3  Ԉ0    mlsmeWferWsemfylgjaskalviWuppsgnlnssamnings,i(mL݌( Ќ  "i(m"  i(m:2Eh  t  .3  Ԉ0    &  hvortfyrirhendisukruleiWirutand;mst;lafyrirneytendurog,efsvoer,hverjarYr  su,'i(m:g݌ Ќ  "i(m"  i(m2Eh  u  .3  Ԉ0    efviW,aWrirsamningsskilmlarog-skilyrWi,i(m݌a Ќ  "i(m"  i(m2Eh  v  .3  Ԉ0    efviW,nafnogheimilisfangYartilbrraeftirlitsyfirvalda.i(m݌T, Ќ   3(5h886  Xegari-liWur2.mgr.viWskallnveitandiltaneytandahafaniWurgreiWslutflu,honum  aWkostnaWarlausu,hvenrsemergildistmalnssamnings.    XegarumeraWrWalnssamningYarsemgreiWslurneytandaleiWaekkiYegarstaWtil   samsvarandilkkunarheildarfjrhWlnsinsheldurerunotaWartilaWhkkaeWaviWhalda  X hfuWst;ltmabilumogviWaWstWursemmlterfyrirumlnssamningieWaviWb;tar K #  samningiskuluupplUsingarnar,semgerWerkrafaum2.mgr.,felasrskUraroghnit    miWaWaryfirlUsingarumaWslkirlnssamningartryggiekkiendurgreiWsluheildarfjrhW    lnssemergreiddtsamkvmtlnssamningi,nemaslkbyrgWssrstaklegaveitt.     XegarumeraWrWalnssamningformiyfirdrttarheimildarskv.1.mgr.2.gr.skaltil wO  greinaeftirfarandiskUranoghnitmiWaWanhtt: B  ! ! 6(Eh883"i(m"  i(m2Eh  a  .3  Ԉ0    tegundlns,i(m݌   Ќ  "i(m"  i(m2Eh  b  .3  Ԉ0    nafn,kennitluogheimilisfangsamningsaWilaog,efviW,nafn,kennitluogheimilis   fanglnamiWlara,i(m݌{  Ќ  "i(m"  i(m 2Eh  c  .3  Ԉ0    gildistmalnssamnings,i(m 6݌nF Ќ  "i(m"  i(m2Eh  d  .3  Ԉ0    heildarfjrhWlnsogskilyrWifyrirnUtingu,i(m+݌9 Ќ  "i(m"  i(m2Eh  e  .3  Ԉ0    tlnsvexti,skilyrWisemgildaumkvrWuntlnsvaxtaog,efviW,vsitlueWaviW  miWunarvextisemgildaumupphaflegatlnsvexti,svoogtmabil,skilyrWiogmlsmeW  ferWviWkvrWuntlnsvxtum;efmismunanditlnsvextirgildaviWmismunandi r aWstWurskuluWurnefndarupplUsingarveittarumallagildandivexti,i(m?݌e= Ќ  "i(m"  i(m2Eh  f  .3  Ԉ0    rlegahlutfallstlukostnaWarogheildarlntkukostnaWneytanda,reiknaWYeimtma 0 YegarlnssamningurergerWur;allarforsendursemerunotaWartilaWreiknaYvextisem  umergetiW4.!5.mgr.21.gr.tengslumviWa-ogg-liW5.gr.skulunefndar,i(m݌ Ќ  "i(m"  i(m2Eh  g  .3  Ԉ0    upplUsingarumaWhvenrsemermegikrefjaneytandaumendurgreiWsluallrarlns i fjrhWar,i(m݌\4 Ќ  "i(m"  i(m,2Eh  h  .3  Ԉ0    skilyrWifyrirYvaWnUtarttskv.16.gr.tilaWfallafrlnssamningi,ogi(m,Y݌' Ќ  "i(m"  i(mf2Eh  i  .3  Ԉ0    upplUsingarumYannkostnaWsemverWurfrYeimtmaerslkirsamningarerugerWir  og,efviW,skilyrWifyrirbreytinguYeimkostnaWi.i(mf݌ Ќ   3(5h88 6;  13.gr. S+! UpplUsingarumtlnsvexti. "   UpplUsaskalneytandaumallarbreytingartlnsvxtum,pappreWaWrumvaran # legummiWli,Wurenbreytingtekurgildi.0upplUsingumskulukomaframYrfjrhWirsem  $ greiWaskaleftirgildistkunUrratlnsvaxtaog,effjldieWatWnigreiWslnabreytist,upplUs !W% ingarumYaW. J""&   SamningsaWilargetaY;komiWsrsamanumYaW,lnssamningi,aWveitaskulineytanda #' upplUsingarskv.1.mgr.,meWkveWnumillibiliYegarbreytingartlnsvxtumeruaf #( vldumbreytingaviWmiWunargengi,viWmiWunarvxtumeWavsitlumogupplUsterumhiW $ ) nUjaviWmiWopinberlegaviWeigandihttogYaWgertlntakaaWgengilegthjlnveitanda. v%N!*   A&"+   & ,  14.gr. ( SkuldbindingartengslumviWyfirdrttarheimild.     EflnssamningurfelursrlnformiyfirdrttarheimildarskalupplUsaneytandareglu  legaumYaWmeWreikningsyfirliti,pappr',( ԀeWaWrumvaranlegummiWli,semhefuraW a geymaupplUsingarumeftirfarandi: T, ! ! 6(Eh883"i(m"  i(mW2Eh  a  .3  Ԉ0    nkvmlegatilgreinttmabilsemreikningsyfirlitiWtekurtil,i(mW݌ Ќ  "i(m"  i(mu2Eh  b  .3  Ԉ0    fjrhWirogdagsetningarnUtingar,i(mu݌ Ќ  "i(m"  i(m{2Eh  c  .3  Ԉ0    stWufyrrareikningsyfirlitisamtdagsetningu,i(m{݌  Ќ  "i(m"  i(m2Eh  d  .3  Ԉ0    nUjastWu,i(m݌ X Ќ  "i(m"  i(m{2Eh  e  .3  Ԉ0    dagsetningarogfjrhWirgreiWslnaneytanda,i(m{݌K #  Ќ  "i(m"  i(m2Eh  f  .3  Ԉ0    gildanditlnsvexti,i(m݌   Ќ  "i(m"  i(m}2Eh  g  .3  Ԉ0    kostnaWsemfalliWhefurtil,ogi(m}݌   Ќ  "i(m"  i(m2Eh  h  .3  Ԉ0    efviW,lgmarksfjrhWgreiWslu.i(m݌  Ќ   3(5h886   AukYessskalveitaneytandaupplUsingar,pappreWaWrumvaranlegummiWli,um wO  hkkuntlnsvaxtaeWaannarskostnaWarWurenbreytingintekurgildi.SamningsaWilargeta B  Y;komiWsrsamanumYaWlnssamningiaWupplUsingarnarvarWandibreytingart    lnsvxtumsuveittarYannhttsemkveWiWerum1.mgr.Yegarbreytingartlns   vxtumeruafvldumbreytingaviWmiWunargengi,viWmiWunarvxtumeWavsitlumog {  upplUsterumhiWnUjaviWmiWopinberlegaviWeigandihttogYaWgertlntakaaWgengilegt nF hjlnveitanda. 9   15.gr.  Opnirlnssamningar. r /  Neytandigeturhvenrsemersagtuppopnumlnssamningi,sraWkostnaWarlausunema e= samningsaWilarhafikomiWsrsamanumuppsagnartmabil.Slkttmabilskalekkivera 0 lengraeneinnmnuWur.Lnveitandigetur,efkveWiWerumslktlnssamningi,sagtupp  opnumlnssamningimeWYvaWveitaneytandaa.m.k.tveggjamnaWauppsagnarfrest  pappreWaWrumvaranlegummiWli. i   Lnveitandigetur,efkveWiWerumslktlnssamningi,afstWumsemerurkstuddar \4 hlutlganhtt,sviptneytandarttitilnUtingaropnumlnssamningi.Lnveitandiskal ' upplUsaneytandafyrirframumfyrirhugaWasviptinguogstWurhennarpappreWaWrum  varanlegummiWli.Ef;mgulegteraWupplUsaneytandaWurensviptingsrstaWskalYaW  gertstraxeftiraWhnhefurttsrstaW. `    16.gr. " RtturtilaWfallafrsamningi. #   Neytandihefur14almanaksdagafresttilaWfallafrlnssamninginYessaWtilgreina  $ stWu. !W%   FresturtilaWfallafrsamningihefst: J""& ! ! 6(Eh883"i(m"  i(m 2Eh  a  .3  Ԉ0    YanndagsemlnssamningurinnergerWur,eWai(m !݌#' Ќ  "i(m"  i(m"2Eh  b  .3  Ԉ0    Yanndagerneytandaberastsamningsskilmlarog-skilyrWiogupplUsingarsamrmi #( viW12.gr.efsdagurersWarendagurinnsemumgetura-liW.i(m"0"݌$ ) Ќ   3(5h886q   EfneytandinUtirrttsinntilaWfallafrsamningiskalhann: v%N!* ! !"i(m"  i(m$25h  a  .3  Ԉ0    tilkynnalnveitandaYaWfyrirYautmamrksemumgetur1.mgr.,samrmiviWYaW A&"+  semkveWiWerumsamningi,sbr.p-liW2.mgr.12.gr.,meWsannanlegumhtti;frestur  '", telsthafaveriWvirtureftilkynningersendWurenfresturinnrennurt,&   pappreWa ( WrumvaranlegummiWlisemlnveitandihefuraWgangaW,'(&i(m$$݌ Ќ  "i(m"  i(mf'25h  b  .3  Ԉ0    greiWalnveitandahfuWst;l,fallnavextiogverWbturfrYvaWlniWvargreitttog  tilYessdagsYegarhfuWst;llerendurgreiddur,n;YarfatafaogeigisWaren30alm a anaksdgumeftiraWhannsendirlnveitandatilkynninguumaWhannhyggistfallafr T, samningi;reiknaskalvextigrundvellitlnsvaxtasemsamningurkveWurum.i(mf''݌ Ќ    LnveitandiekkirttWrumb;tumfrneytandasemfellurfrsamningiennemur  ;afturkrfumlgboWnumgjldumsemlnveitandihefurgreitttilhinsopinbera.Sum   veWlnaWrWalnveitandiY;rttkostnaWiviWskjalagerW,semfariWhefurfram,einsog  X verWskrlnveitandagerirrWfyrirhverjusinni. K #    EfviWb;tarYj;nustaerveitttengslumviWlnssamning,annaWhvortaflnveitandasjlf    umeWaYriWjaaWilagrundvellisamningsviWlnveitanda,erneytandiekkilengurbundinn    afsamningiumslkaviWb;tarYj;nustunUtihannrttsinntilaWfallafrsamningisamkvmt   Yessarigrein. wO    EfneytandirttYvaWfallafrsamningiskv.1.,3.og4.mgr.skalIII.kaflilaganr. B  33/2005,umfjarslufjrmlaYj;nustu,og8.gr.laganr.46/2000,umhsgngu-ogfjar    slusamninga,ekkigilda.     17.gr. nF Tengdirlnssamningar. 9 .  XegarneytandihefurnUttrttsinntilaWfallafrsamningiumafhendinguvrueWa  Yj;nustuerhannekkilengurbundinntengdumlnssamningi.    EfvaraeWaYj;nustasemfellurundirtengdanlnssamningerekkiafhent,eWaaWeinsaf r hentaWhlutatil,eWaerekkisamrmiviWsamningumslkaafhendingu,neytandirtt e= YvaWbeitarrWumgegnlnveitanda,efhannhefurbeittrrWumgegnYeimsemafhendir 0 vrueWaYj;nustu,enekkifengiWYrlausnsemhannrttsamkvmtd;miumaf  hendinguvrueWaYj;nustu.    TilYessaWneytandigetileitaWrrWagagnvartlnveitanda,sbr.2.mgr.,Yarfeittafeftir i tldumskilyrWumaWverauppfyllt: \4 ! ! 6(Eh883"i(m"  i(m32Eh  a  .3  Ԉ0    bseljandahefurveriWtekiWtilgjaldYrotaskipta,i(m33݌' Ќ  "i(m"  i(m42Eh  b  .3  Ԉ0    seljandahefurveriWveittheimildtilaWleitanauWasamnings,eWai(m44݌ Ќ  "i(m"  i(m52Eh  c  .3  Ԉ0    lj;shefurkomiWviWaWfarargerWaWseljandigetieigigreittskuldirsnar.i(m55݌ Ќ   3(5h8863  Mguleikarneytendatilfullnustugagnvartkrfuhafaskv.2.mgr.takmarkastviWfjrhW `  lnaYeimtmasemkrafaumrbturergerW.NeytandiYarfaWhafalUstkrfuYeim S+! tilfellumsema-eWab-liWur3.mgr.viW. "   RtturneytandatilaWbeitarrWumgegnlnveitanda,sbr.2.mgr.,nrekkitilfast # eignalna.  $   18.gr. J""& EndurgreiWslafyrirgjalddaga. #' n9  NeytandaerheimiltaWstandaskilskuldbindingumsnumsamkvmtlnssamningi,aW #( lluleytieWaaWhluta,fyrirYanntmasemumsaminner.NotfrineytandisrheimildYessa $ ) hannrttlkkunheildarlntkukostnaWisemnemurvxtumogWrumgjldumsem v%N!* greiWattieftirgreiWsludag. A&"+   XegarumeraWrWagreiWslufyrirgjalddagalnveitandirttYvaWfsanngjarnar  '", btur,uppgreiWslugjald,sembyggisthlutlgumgrunnivegnakostnaWarsemhannhefur '#- orWiWfyrirogtengistbeintgreiWslufyrirgjalddaga,aWYvtilskilduaWgreiWslanfyrirgjald ( dagasgerWtmabiliYarsemtlnsvextirerufastir.    UppgreiWslugjaldmekkifarayfir1%affjrhWendurgreiWslu,eflengritmieneittr  ermilligreiWslunnaroglokalnstmasamkvmtsamningiaWila.EfeittreWaminnaer a eftirafsamningstmamuppgreiWslugjaldiWekkifarayfir0,5%affjrhWendurgreiWsl T, unnar.    UppgreiWslugjaldmaWhmarkiverasvaxtafjrhWsemneytandimundihafagreitt  lnveitandatmabilinufrgreiWslufyrirgjalddagaogtillokalnstmasamkvmtsamningi   aWila.  X   EkkierheimiltaWkrefjastuppgreiWslugjalds: K #  ! ! 6(Eh883"i(m"  i(m@2Eh  a  .3  Ԉ0    efgreiWslahefurttsrstaWsamkvmtvtryggingarsamningisemertlaWaWtryggja    greiWslulnsins,i(m@A݌   Ќ  "i(m"  i(mSB2Eh  b  .3  Ԉ0    YegarumeraWrWayfirdrttarheimild,sbr.t-liW5.gr.,i(mSBB݌  Ќ  "i(m"  i(mvC2Eh  c  .3  Ԉ0    eflnberbreytilegavexti,i(mvCC݌wO  Ќ  "i(m"  i(moD2Eh  d  .3  Ԉ0    efstWauppgreiWsluergjaldfellinglnsafhlfulnveitanda,eWai(moDD݌B  Ќ  "i(m"  i(mE2Eh  e  .3  Ԉ0    efuppgreiWslanemurlgrifjrhWen1.000.000kr.rsgrundvelli.i(mEE݌   Ќ   3(5h886l@  0YeimtilvikumsemheimilteraWkrefjastuppgreiWslugjaldsskalkveWiWumslktlns   samningi,sbr.r-liW2.mgr.12.gr.TilgreinaskalupplUsingarumhverniguppgreiWslugjald {  erreiknaWtoghvenrYaWfellur. nF   19.gr.  Framsalrttar.  H  EflnveitandiframselurkrfurttsinntilYriWjaaWilasamkvmtlnssamningi,eWasamn r inginnsjlfan,neytandirttYvaWhaldauppismum;tbrumgegnframsalshafasem e= hanngatnUttsrgagnvartupphaflegumlnveitanda,Y.m.t.rtttilskuldajafnaWar. 0   UpphaflegurlnveitandiskalupplUsaneytandaumframsalsemumgetur1.mgr.nema  YegarupphaflegurlnveitandiheldurframlnsYj;nustusinniviWneytandameWsam  komulagiviWframsalshafa. i   20.gr. ' :samYykkturyfirdrttur.  K  XegarumeraWrWasamningumveltureikningYarsemmguleikierYvaWneytandi  getistofnaWtil;samYykktsyfirdrttarskuluaukYessverasamningnumupplUsingarskv. `  e-liW2.mgr.8.gr.LnveitandiskalllumtilvikumveitaYrupplUsingarreglulegapappr S+! eWameWWrumvaranlegummiWli. "   Lnastofnunumer;heimiltaWinnheimtakostnaWvegna;samYykktsyfirdrttarafveltu # reikningiefslkgjaldtakasrekkistoWsamningi.KostnaWurvegna;samYykktsyfirdrttar  $ skalverah;flegurogendurspeglakostnaWvegna;samYykktayfirdrttarins. !W%   SumrWa;samYykktanyfirdrttaWfjrhW30.000kr.lengritmaeneinnmnuWskal J""& lnveitandiYegarstaWveitaneytandaupplUsingar,pappreWameWWrumvaranlegum #' miWli,um: #( ! ! 6(Eh883"i(m"  i(mP2Eh  a  .3  Ԉ0    yfirdrttinn,i(mPQ݌$ ) Ќ  "i(m"  i(mQ2Eh  b  .3  Ԉ0    fjrhWinasemumeraWrWa,i(mQR݌v%N!* Ќ  "i(m"  i(mR2Eh  c  .3  Ԉ0    tlnsvexti,i(mRS݌A&"+ Ќ  "i(m"  i(mS2Eh  d  .3  Ԉ0    hverskynsviWurlg,drttarvextieWannurgjldvegnaskuldarinnar.i(mSS݌ '", Ќ   '#-   V.KAFLI (  rleghlutfallstalakostnaWar.   21.gr.  BtreikningurrlegrihlutfallstlukostnaWar. a T  rleghlutfallstalakostnaWarerYaWvaxtagildisemjafnarnvirWiWafgreiWsluskuldbind T, ingumlnveitandaannarsvegarogneytandahinsvegarsamkvmtlnssamningiYeirra.r  legrihlutfallstlukostnaWarskallUstsemrleguhlutfalliafheildarfjrhWsemneytandi  greiWir.SkalhnreiknuWtsamrmiviWstrWfrWilkansemnnarermltfyrirum   reglugerWerrWherrasetur.  X   rleghlutfallstalakostnaWarskalreiknuWtYeimtmasemlnssamningurergerWur. K #  ViWtreikninghennarskalgengiWtfrYvaWlnssamningurgildiumsaminntmaog    lnveitandiogneytandistandiviWskuldbindingarsnarsamkvmtskilmlumsamningsins.      EflnssamningurheimilarverWtryggingueWabreytinguvxtumeWaWrumgjldumsem   teljasthlutirlegrarhlutfallstlukostnaWar,enekkierunntaWmetahverjunemiYeimtma wO  semtreikningurergerWur,skalreiknatrlegahlutfallstlukostnaWarmiWaWviWYfor B  senduaWverWlag,vextirognnurgjldverWi;breytttillokalnstmans.      ViWtreikningrlegrihlutfallstlukostnaWarskalkvarWaheildarlntkukostnaWneyt   anda.EkkiskulumeWtalintreikningimgulegviWurlgeWasektargreiWslurvegnavan {  efnda.SlkthiWsamaviWumkostnaWsemfylgirkaupumvrueWaYj;nustu,hvortsem nF kaupinfaraframgegnstaWgreiWslueWalni. 9   KostnaWurviWaWviWhaldareikningiYarsembWigreiWslufrslurognUtinglnaeru  skrW,kostnaWurviWnotkungreiWsluleiWafyrirbWigreiWslufrslurognUtingulnaogannar  kostnaWurtengslumviWgreiWslufrslurskalverainnifalinnheildarkostnaWiaflnitil r neytandanemavalfrjlstsaWopnareikningogkostnaWurviWreikninginnssrstaklegaog e= greinilegatekinnframlnssamningieWaWrumsamningisemergerWurviWneytanda. 0   VI.KAFLI   LnamiWlarar.  i 22.gr. \4 SrstakarskuldbindingarlnamiWlaragagnvartneytendum. ' _  LnamiWlariskal:  ! ! 3(5h886"i(m"  i(mXa25h  a  .3  Ԉ0    takaframauglUsingumogskjlum,semerutluWneytendum,hvertumboWhanss,  einkumhvorthannstarfareingngufyrireinneWafleirilnveitendureWasem;hWur `  miWlari,i(mXaa݌S+! Ќ  "i(m"  i(m$c25h  b  .3  Ԉ0    ltaneytandavitaafY;knun,efeinhverer,semhannYarfaWgreiWalnamiWlarafyrir " Yj;nustuhansogsjtilYessaWfyrirliggisamkomulagumhanamillineytandaoglna # miWlarapappreWaWrumvaranlegummiWliWurenlnssamningurergerWur,i(m$cQc݌ $ Ќ  "i(m"  i(mTe25h  c  .3  Ԉ0    tilkynnalnveitanda,vegnatreikningsrlegrihlutfallstlukostnaWar,umY;knun,ef !W% einhverer,semneytandiYarfaWgreiWalnamiWlarafyrirYj;nustuhans.i(mTee݌J""& Ќ   6(Eh883`  VII.KAFLI #(  KaupmeWeignarrttarfyrirvaraogendurheimteignarrttar.  $ ) 23.gr. v%N!* KaupmeWeignarrttarfyrirvara. A&"+ g  EfsluhluturerseldurmeWeignarrttarfyrirvarageturlnveitandiendurheimthlutinnmeW  '", aWfarargerWefekkinstsamkomulagumafhendingugrundvelliskriflegskaupsamnings '#- YarsemskUrterkveWiWumeignarrttarfyrirvarann.SkilyrWiendurheimtareraWneytandi ( svanskilummeWafborganireWalnskostnaW.    XegarsluhluturerendurheimturskalviWuppgjrmilliaWilalnssamningsreynaaW  komastsemnstYvaWYeirverWijafnsettirogefviWskiptinhefWuekkittsrstaW. a   EfandvirWisluhlutarermeiraennemureftirstWvumlnssamningsskallnveitandi T, endurgreiWaneytandamismuninn.EfandvirWisluhlutarerminnaskalneytandiendurgreiWa  lnveitandamismuninn.    ViWmatandvirWisluhlutarskallitiWtilYesshvortrUrnunogslitsluhlutarseWlilegt   ogtilfrdrttarvaxtafrendurheimtudegitillokalnssamnings.  X   KomiuppgreiningurumhvertsverWsluhlutaralmennummarkaWiskalhannt K #  kljWurmeWmatsgerWsrfr;Wsog;hlutdrgsmanns.MatsmaWurskalkveWahvernighttaW    skuligreiWsluvegnakostnaWarviWmatiW.NergreiningurummatsgerWogerYunntaW    ;skaeftirnUrrimatsgerWmeWd;mkvaWningumatsmanns.     24.gr. B  Fleirieneinnhluturkeyptirsamkvmtsamasamningi.    o  NhafafleirieneinnhluturveriWkeyptirsamkvmteinumsamningioglnveitandi   leggurframkrfuumendurheimtYeirraoggeturneytandiYvaliWeinneWafleirihlutanna {  tilafhendingargegnYvaWgreiWaumleiWmismunandvirWisYeirrahlutasemhannheldur nF eftir.EfinneignlnveitandaerminnienandvirWiWneytandirttaWfmismuninngreidd 9 anumleiWoghlutirnireruafhentir.    NeytandigeturekkileysttilsnhlutefhannerrsafnieWasamstWusemlnveitandi  hefureinnigendurheimtfrneytandaogaWskilnaWurinnhefurfrmeWsrverulegarUrnun r verWmtihlutanna. e=   VIII.KAFLI   TmiskvWi.   25.gr. i SrstkupplUsingaskyldalnveitandavegnaveWlna. \4 r  TilYessaWtryggjaaWneytandisupplUsturumhvernigYr;unhfuWst;lsoggreiWslubyrWi ' hefurveriWskallnveitandiWurensamningurumveWlnergerWurveitaupplUsingarum  sgulegaYr;unverWlagsogvaxtaoghrifYeirraYttabreytingarhfuWst;loggreiWslu  byrWisumverWtryggtlnaWrWaogumbreytingargreiWslubyrWisum;verWtryggtln `  aWrWa. S+!   NeytendastofaskalbirtaopinberlegaheimasWusinnialmennarupplUsingarogdmium " breytingarhfuWst;loggreiWslubyrWiverWtryggWralnaogdmiumbreytingargreiWslu # byrWi;verWtryggWralnasemlnveitendurskulubyggjaupplUsingagjfskv.1.mgr..StaW  $ festingneytandaaWhonumhafiveriWkynntarYessarupplUsingar,sbr.10.mgr.7.gr.,telst !W% fullngjandiupplUsingagjfskv.1.mgr. J""&   26.gr. #( HmarkrlegrarhlutfallstlukostnaWar. $ ) Nx  rleghlutfallstalakostnaWarneytendalnummekkinemameiraen50hundraWshlutum v%N!* aWviWbttumstUrivxtum. A&"+    '",   & a  27.gr. ( ReglugerWarheimild.  y  RWherraseturreglugerWirum:'a(y  ! ! 3(5h886"i(m"  i(m{25h  a  .3  Ԉ0    staWlaWeyWublaWsemlnveitandiskalnotatilaWveitaneytandaupplUsingarWuren a lnssamningurergerWur,sbr.2.mgr.7.gr.,i(m{G{݌T, Ќ  "i(m"  i(m|25h  b  .3  Ԉ0    framkvmdlnshfis-oggreiWslumats,sbr.3.mgr.10.gr.,i(m||݌ Ќ  "i(m"  i(m}25h  c  .3  Ԉ0    treikningrlegrihlutfallstlukostnaWar,sbr.1.mgr.21.gr.i(m}}݌ Ќ   6(Eh883z  RWherraerheimiltaWkveWannarumframkvmdlagaYessarareglugerW.     28.gr. K #  BreytingarfjrhWum.      FjrhWirsamkvmtlgumYessumbreytast1.janarrhvertsamrmiviWvsitlu    neysluverWs.     IX.KAFLI B   Eftirlit,viWurlg,rttarrrWiogb;taskylda.     29.gr.   Eftirlits-ogkvarWanavaldNeytendastofu. {    NeytendastofaannasteftirlitmeWkvWumlagaYessara.kvWilagaumeftirlitmeW nF viWskiptahttumogmarkaWssetningugildaummlsmeWferWNeytendastofu. 9   kvWiVIII.kaflalagaumeftirlitmeWviWskiptahttumogmarkaWssetningugildaum  heimildirNeytendastofutilupplUsingaflunar,haldlagningargagna,Yagnarskylduogafhend  ingarupplUsingatilstj;rnvaldaannarrarkja. r   NeytendastofageturgripiWtilaWgerWagegnaWilumsembrj;tabgaviWkvWiII.!VIII. e= kafla,eftirYvsemviWgeturtt.AWgerWirNeytendastofugetafaliWsrbann,fyrirmlieWa 0 heimildmeWkveWnuskilyrWi.kvrWunumsemNeytendastofatekurgrundvellilaga  YessaraverWurskotiWtilfrUjunarnefndarneytendamlasemstarfargrundvelli4.gr.laga  nr.62/2005,umNeytendastofuogtalsmannneytenda. i   kvrWunNeytendastofuverWurekkiborinundird;mst;lafyrrenrskurWurfrUjunar \4 nefndarneytendamlaliggurfyrir. '   NvillaWiliekkiunarskurWifrUjunarnefndarneytendamlaoggeturhannYhfWaW  mltil;gildingarfyrird;mst;lum.    MlskalhfWaWinnansexmnaWafrYvaWaWilifkkvitneskjuumrskurWfrUjunar `  nefndar. S+!   MlshfWunfrestarekkigildistkurskurWarnefndarinnarnheimildtilaWfarar. "   30.gr.  $ Stj;rnvaldssektir. !W%   Neytendastofageturlagtstj;rnvaldssektirlnveitandasembrUturgegneftirtldum J""& kvWumlagaYessaraog,eftiratvikum,reglumsettumgrundvelliYeirra: #' ! ! 3(5h886"i(m"  i(m25h  a  .3  Ԉ0    6.gr.umupplUsingarsemeigaaWkomaframauglUsingumogWrukynningarefni,i(m4݌#( Ќ  "i(m"  i(m?25h  b  .3  Ԉ0    7.gr.umupplUsingarsemveitaskalWurenlnssamningurergerWur,i(m?l݌$ ) Ќ  "i(m"  i(mi25h  c  .3  Ԉ0    8.gr.umupplUsingarsemveitaskalWurogviWgerWlnssamningsformiyfirdrttar v%N!* heimildarogtiltekinnasrstakralnssamninga,i(mi݌A&"+ Ќ  "i(m"  i(m25h  d  .3  Ԉ0    1.!2.mgr.10.gr.umgerWlnshfismats,ogYegarviWgreiWslumats,Wurenlns  '", samningurergerWur,i(m݌'#- Ќ  "i(m"  i(mZ25h  e  .3  Ԉ0    3.mgr.10.gr.umbannviWveitingulnskomilj;saWneytandihafiauglj;slegaekki ( fjrhagslegaburWitilYessaWstandaskilummeWlniW,i(mZ݌ Ќ  "i(m"  i(m25h  f  .3  Ԉ0    12.gr.umupplUsingarsemskulukomaframlnssamningumogupplUsingarsemveita  skalaWbeiWnineytanda,i(m#݌a Ќ  "i(m"  i(m_25h  g  .3  Ԉ0    13.gr.umupplUsingarsemveitaskalumbreytingartlnsvxtumWurenbreyting T, tekurgildi,i(m_݌ Ќ  "i(m"  i(m25h  h  .3  Ԉ0    14.gr.umupplUsingarsemveitaskalreglulegavegnayfirdrttarheimilda,i(m݌ Ќ  "i(m"  i(m25h  i  .3  Ԉ0    1.mgr.15.gr.umheimildirtilaWsegjauppopnumlnssamningi,i(m ݌  Ќ  "i(m "  i(m25h  j  .3  Ԉ0    2.mgr.15.gr.umaWupplUsaneytandafyrirframumfyrirhugaWasviptingurttitil  X nUtingaropnumlnssamningi,i(m.݌K #  Ќ  "i(m "  i(ms25h  k  .3  Ԉ0    1.mgr.16.gr.umrtttilaWfallafrlnssamningi,i(ms݌   Ќ  "i(m "  i(m25h  l  .3  Ԉ0    4.mgr.16.gr.umYrbtursemlnveitandaerheimiltaWkrefjaneytandaumnUti    neytandirttsinntilaWfallafrsamningi,i(m݌  Ќ  "i(m "  i(m[[25h  m  .3  Ԉ0    1.mgr.18.gr.umheimildneytandatilaWstandaskilskuldbindingumsnumfyrirYann wO  tmasemumsaminnerogumlkkunheildarlntkukostnaWinotfrineytandisrY B  heimild,i(m3݌   Ќ  "i(m "  i(mʜ25h  n  .3  Ԉ0    2.!3.mgr.18.gr.umhmarksfjrhWuppgreiWslugjalds,i(mʜ݌  Ќ  "i(m"  i(m25h  o  .3  Ԉ0    2.mgr.19.gr.umskyldulnveitandatilaWupplUsaneytandaumframsalrttar,i(m݌{  Ќ  "i(m"  i(m25h  p  .3  Ԉ0    1.mgr.20.gr.umupplUsingarlnssamningisumaWrWaveltureikningYarsem nF neytandigeturstofnaWtil;samYykktsyfirdrttarogumreglulegaupplUsingagjf,sbr. 9 e-liW2.mgr.8.gr.,i(mG݌ Ќ  "i(m"  i(m25h  q  .3  Ԉ0    2.mgr.20.gr.umlagninguoginnheimtukostnaWarvegna;samYykktsyfirdrttar,i(m$݌ Ќ  "i(m"  i(m.25h  r  .3  Ԉ0    3.mgr.20.gr.umupplUsingagjffari;samYykkturyfirdrtturyfirfjrhWar-ogtma r mrk,i(m.[݌e= Ќ  "i(m"  i(m25h  s  .3  Ԉ0    21.gr.umtreikningrlegrihlutfallstlukostnaWar,i(m݌0 Ќ  "i(m"  i(m25h  t  .3  Ԉ0    22.gr.umskyldurlnamiWlaragagnvartneytandaoglnveitandatilupplUsingagjafar,i(mˤ݌ Ќ  "i(m"  i(mե25h  u  .3  Ԉ0    25.gr.umsrstakaupplUsingaskyldulnveitandavegnaverWtryggWraog;verWtryggWra  veWlna.i(mե݌i Ќ   6(Eh883  Neytendastofageturlagtstj;rnvaldssektirhvernYannsembrUturgegnkvrWunNeyt \4 endastofusemtekinergrundvellilagaYessaraeWasttmilliNeytendastofuogaWila,sbr. ' 31.gr.    SektirsemlagWareruaWilagetanumiWfr100Ys.kr.til10millj.kr.ViWkvrWun  sektaskalm.a.tekiWtillittilalvarleikabrots,hvaWYaWhefurstaWiWlengi,samstarfsviljahins `  brotlegaaWilaoghvortumtrekaWbroteraWrWa.kvarWanirumstj;rnvaldssektirteknar S+! afNeytendastofueruaWfararhfar.Sektirrennarkissj;WaWfrdregnumkostnaWiviW " innheimtuna.Sustj;rnvaldssektirekkigreiddarinnanmnaWarfrkvrWunNeytendastofu # skalgreiWadrttarvextiaffjrhWsektarinnar.UmkvrWunogtreikningdrttarvaxtafer  $ eftirlgumumvextiogverWtryggingu.Stj;rnvaldssektumverWurbeitt;hWYvhvortlgbrot !W% eruframinafsetningieWagleysi. J""&   31.gr. #( Dagsektir. $ )   EfekkierfariWaWkvrWunsemtekinhefurveriWsamkvmtYessumlgumgeturNeyt v%N!* endastofakveWiWaWseWaYeirsemkvrWuninbeinistgegngreiWidagsektirYartilfariW A&"+  verWuraWhenni.  '",   &   kvrWunumdagsektirskaltilkynntbrflegasannanleganhttYeimsemhnbeinistaW. ( DagsektirgetanumiWfr50Ys.kr.til500Ys.kr.dag.'(H    kvrWunumdagsektirmskj;tatilfrUjunarnefndarneytendamlainnanfj;rtndaga  frYvaWhnerkynntYeimerhnbeinistaW.Dagsektirreiknastekkifyrrenfresturer a liWinn.EfkvrWunerskotiWtilfrUjunarnefndarneytendamlafalladagsektirekkifyrren T, niWurstaWahennarliggurfyrir.    & a 32.gr.   Stt.  X   HafiaWiligerstbrotlegurviWkvWilaga'a ԀYessaraeWareglnasettragrundvelliYeirraer K #  NeytendastofuheimiltaWljkamlinumeWsttmeWsamYykkimlsaWila.Stterbindandi    fyrirmlsaWilaYegarhannhefursamYykktogstaWfestefnihennarmeWundirskriftsinni.    NeytendastofuerheimiltaWsetjannarireglurumframkvmdkvWisins.     33.gr. B  BrskurWar-ogrttarrrWi.    ]  LnveitendurskuluhafaaWgengilegarupplUsingarumrskurWar-ogrttarrrWief   greiningurrsmillilnveitandaogneytandaumneytendaln,m.a.ummlskottilrskurWar {  nefndarskv.2.mgr. nF   NeytendurgetaskotiWgreiningiervarWarfjrhagslegarkrfurogeinkarttarlegahags 9 munitengdaneytendalnumtilrskurWarnefndarumviWskiptiviWfjrmlafyrirtki.Ln  veitendumerskyltaWeigaaWildaWrskurWarnefndinniogskuluYeirlnveitendursemeiga  aWildaWmlumstandaundirkostnaWinefndarinnarvegnaYeirra. r   NefndinkveWurupprkstuddarskurWiogverWurYeimekkiskotiWtilstj;rnvalda,en e= heimilteraWilummlsaWleggjagreiningsinnfyrird;mst;lameWvenjubundnumhtti. 0   34.gr.  B;taskylda. i ŷ  BrotlgumYessumgeturvaldiWskaWab;taskyldusamrmiviWalmennarreglurskaWa \4 b;tarttar. '   GeramlgaWilaaWgreiWabturY;svoaWsksannistekkineinntiltekinnstarfsmann  lgaWilansefsUntYykiraWeinhverstarfsmaWurlgaWilanshafigerstbrotlegurviWkvWi  lagaYessara. `    BtursemdmdarverWa,sbr.1.mgr.,minnheimtahjYeimeinstaklingisemdmdur S+! erb;taskyldureWalgaWilaYeimsemhannstarfaWihjYegarbrotvarframiW. "   35.gr.  $ InnleiWing. !W%   LgYessifelasrinnleiWingutilskipunEvr;puYingsinsogrWsins2008/48/EBfr23. J""& aprl2008umlnssamningafyrirneytendurogumniWurfellingutilskipunarrWsins87/102/ #' EBEeinsoghnvartekinuppsamninginnumEvr;pskaefnahagssvWiWmeWkvrWun #( sameiginleguEES-nefndarinnarnr.16/2009,fr5.febrar2009,sembirtvar19.mars2009 $ ) EES-viWbtiviWStj;rnartWindiEvr;pusambandsinsnr.16/2009. v%N!*   A&"+   & a  36.gr. ( Gildistaka.    LgYessiWlastgildi1.febrar2013.'a(ͽsamatmafallargildilgumneytendaln,nr.  121/1994,meWsWaribreytingum. a   kvWi13.!15.gr.,2.mgr.19.gr.og20.gr.skulugildaumopnalnssamninga,sbr.15. T, gr.,semerugildiviWgildistkulagaYessara.    #dggAthugasemdirviWlagafrumvarpYetta.#ggd   ׿ I.Inngangur.   X   FrumvarpYettavarlagtfram140.lggjafarYingienekkinWistaWafgreiWaYaWoger K #  YaWnlagtframWrusinnimeWnokkrumbreytingumsemfyrstogfremsterubyggWar    athugasemdumsemframkomuviWYinglegameWferW.BreytingarerunnarraktarVI.kafla.      Hinn25.ma2011skipaWiefnahags-ogviWskiptarWherranefndsemfaliWvarYaWverk   efniaWsemjafrumvarptilinnleiWingartilskipunEvr;puYingsinsogrWsins2008/48/EB wO  umlnasamningafyrirneytendurogumniWurfellingutilskipunarrWsins87/102/EBE.0 B  nefndinavoruskipuWGuWmundurKriKrason,semjafnframtvarformaWurnefndarinnar,    GslirnKjartansson,samkvmttilnefninguFjrmlaeftirlitsins,HildigunnurHafsteins   d;ttir,samkvmttilnefninguNeytendasamtakanna,Oddur:lason,samkvmttilnefningu {  Samtakafjrmlafyrirtkja,ogX;runnAnnarnad;ttir,samkvmttilnefninguNeytenda nF stofu. 9  II.Sgulegurbakgrunnur.   Fyrstuslenskulginumneytendaln. r   Lgnr.30/1993,umneytendaln,t;kugildi1.okt;ber1993.SetninglagannavarliWur e= aWlgunslenskrarlggjafaraWevr;pskumrttitengslumviWaWild0slandsaWsamningnum 0 umEvr;pskaefnahagssvWiW(EES-samningurinn).Fyrirgildistkulagannavoruekkigildi  hrlandialmennlgumneytendaln.X;hfWufyrirYanntmaveriWlgWframAlYingi  frumvrpumafborgunarviWskiptisemekkinWuframaWganga.MeWaWild0slandsaWEES- i samningnumvarnauWsynlegtaWaWlagaslenskarlagaregluraWregluverkiEvr;pusambands \4 inssviWineytendalna.MeWlgunumvartilskipunrWsins87/102/EBEumsamrmingu ' lgumogstj;rnsUslufyrirmlumaWildarrkjannavarWandineytendaln,einsoghennivar  breyttmeWtilskipunrWsins90/88/EBE,innleidd.    TilgangurinnmeWtilskipun87/102/EBEvaraWsamrmareglurlggjfaWildarrkja `  sviWineytendalna,einkumreglurumupplUsingagjfviWlnveitingu.LggjfsviWineyt S+! endalnavarnokkuW;lkaWildarrkjunumsemleittgattilrskunarsamkeppnineyt " endalnamarkaWiogmisjafnrarrttarstWuneytendamilliaWildarrkja. #   Samkvmt2.gr.tilskipunarinnarvoruvissartegundirlnssamningaundanYegnargildis  $ sviWitilskipunarinnar,svosemfasteignakaupalnoglnaWlgrifjrhWen200ECU(for !W% verievrunnar)ogaWhrrifjrhWen20.000ECU.ViWsetningulagannavarekkitalin J""& stWatilaWfellafleiritegundirlnssamningaundirlginheldurengildissviWtilskipunar #' innart;ktil,Y.e.utanYessaWhmarksfjrhWlnasemflluundirgildissviWlagannavar #( kveWin1.500.000kr. $ )   v%N!* & ,   Breytingarlgumnr.30/1993(nlgnr.121/1994). (   ViWgildistkulaganr.30/1993komustraxlj;sUmisvandkvWiviWframkvmdYeirra.  MeWtillititilYeirraannmarkaf;lviWskiptarWherrastarfsh;pin;vember1993aWfarayfir   ',(YaukvWisemvaldiWhfWuvandkvWumframkvmd.0starfsh;pnumvorufulltrarfr a bnkumogsparisj;Wum,VerslunarrWi0slands,0slenskriverslun,Samkeppnisstofnun,Neyt T, endasamtkunumogfrrWuneytinu.grundvellivinnunefndarinnarvarlagtframfrum  varptilbreytingalgumnr.30/1993semsamYykktvarAlYingihinn6.ma1994.Helstu  breytingarsemlginkvWuumvorueftirfarandi:   ! ! ;(j986"i(m"  i(m2j  1  .3  Ԉ0    SkerptvarkvWum18.gr.lagannaumtrygginguvegnavanefndakrafnatengslum  X viWframsalviWskiptabrfa.i(m$݌K #  Ќ  "i(m"  i(m]2j  2  .3  Ԉ0    XvarnotkunhugtakakvWumlagannasamrmdogbttviWkvWiumeftirlitmeW    framkvmdlaganna.i(m]݌   Ќ  "i(m"  i(m2j  3  .3  Ԉ0    RWherravarveittalmennheimildtilaWtfrannarkvWilaganna.i(m݌  Ќ  "i(m"  i(m2j  4  .3  Ԉ0    Lginvoruendurtgefinsemlgnr.121/1994,umneytendaln.i(m݌wO  Ќ    MeWlgumnr.179/2000vorugerWarallnokkrarbreytingarlgumnr.121/1994grund B  vellifenginnarreynslu.XvoruliWinrmsexrfrsetningulagannaoghafWiframboW    lnumtilneytendavaxiWmikiWYeimtma,semogheildarfjrhWeinstakralna.AfYeim   stWumY;ttinauWsynlegtaWgeraeftirfarandibreytingarlgunum: {  ! ! ;(j99;"i(m"  i(m2j  1  .3  Ԉ0    FelltvarbrottkvWisemundanskilurlnssamningaaWhrrifjrhWen1.500.000kr. nF gildissviWilaganna.i(m݌9 Ќ  "i(m"  i(m2j  2  .3  Ԉ0    FasteignalnvorufelldundirgildissviWlaganna,enviWathugunkomlj;saWannars  staWarNorWurlndunumfllulnveitendursemveittulnmeWveWifasteigntillengri  tmaundirkvWilagaumneytendaln.stWulaustY;ttiaWundanskiljaslkaaWila r kvWumlagannaogYeimskyldumsemlginkveWaum.i(m݌e= Ќ  "i(m"  i(mo2j  3  .3  Ԉ0    JafnframtvarkveWiWaWyfirdrttarlnskyldufallaundirgildissviWlaganna,ensr 0 kvWivarsettsemkvaWumsrstakarskyldurlnveitandameWtillititileWlisslkra  lnssamninga.i(mo݌ Ќ  "i(m"  i(mH2j  4  .3  Ԉ0    AWaukivorugerWarUmsarsmvgilegarbreytingarsemvorutilYessfallnaraWstyrkja i framkvmdsamkvmtlgunum.i(mHu݌\4 Ќ    Hinn29.gst2007skipaWiviWskiptarWherrastarfsh;ptilaWgerattektlagaumhverfi ' aWYvervarWarviWskiptineytendaogfjrmlafyrirtkjalj;sintmaviWskiptahtta,einkum  meWtillititilgjaldtku.FulltrarhelstuhagsmunaaWilattustih;pnum,Y.e.Fjrmlaeftir  litiW,Neytendastofa,Neytendasamtkin,SamtkfjrmlafyrirtkjaogtalsmaWurneytenda, `  aukrWuneytis.Starfsh;purinnskilaWirWherraskUrslurslok2007ogerhnaWgengileg S+! vefsWurWuneytisins.grundvellivinnunefndarinnarlagWirWherraframfrumvarptil " breytingalgumnr.121/1994,umneytendaln,semsamYykktvarAlYingi28.ma2008 # semlgnr.63/2008.MeWlgunumvorugerWareftirfarandibreytingar:  $ ! !"i(m"  i(m2j  1  .3  Ԉ0    SettvarnUttkvWiumgjaldtkuvegna;heimilsyfirdrttarafveltureikningisemkvaW !W% umaWgjaldtakaskyldieigastoWsamningi,verah;flegogendurspeglakostnaWvegna J""& ;heimilayfirdrttarins.i(m݌#' Ќ  "i(m"  i(m2j  2  .3  Ԉ0    LnveitandavargertskyltaWupplUsaneytandaumbreytingargjaldskrsemhonum #( voruekkitilhagsb;taogkveWiWumaWneytandiskyldihafavalummeWhvaWannar $ ) tilgreindumhttiupplUsingumvrimiWlaWtilhans.i(m݌v%N!* Ќ  "i(m"  i(m2j  3  .3  Ԉ0    KveWiWvarumaWuppgreiWslugjaldskyldieigasrstoWsamningiogmttiaWh A&"+  markinemaYvtj;nisemlnveitandivarWfyrirvegnauppgreiWslunnar.i(m݌ '", Ќ  "i(m"  i(mJ2j  4  .3  Ԉ0    & ,  FresturneytandatilaWgerakrfuumgreiWslutryggingarfjrvarlengdurreinuritv ( rfrafhendinguvrueWaYj;nustu,eWafimmrYegarumvaraWrWasluhlutsem  tlaWurvarverulegalengriendingartmienalmenntgeristumsluhluti.i(mJw݌ Ќ  ',(III.TilefniognauWsynlagasetningar.  T,   runum1995!1997vannframkvmdastj;rnEvr;pusambandsinsskUrslurumfram  kvmdviWveitinguneytendalnasamrmiviWtilskipun87/102/EBEogviWhafWium  fangsmikiWsamrWviWhaghafaneytendalnamarkaWi.AfraksturYeirrarvinnuleiddilj;s   umtalsverWanmunmillilagaaWildarrkjahvaWvarWarneytendaln,srlagihvaWvarWar  X YauneytendaverndarrrWisemaWildarrkinstuddustviWtilfyllingarkvWumtilskipunar K #  87/102/EBE.AWmatiframkvmdastj;rnarinnargatYessimunurleitttilskekktrarsam    keppnisstWuinnrimarkaWnumog;skilegraaWgangshindrana,aukYessaWtakmarka    mguleikaneytendalntkuyfirlandamri.TaliWvaraWslkt;samrmiinnrimarkaWi   Evr;pskaefnahagssvWisinsgtihafthrifframboWogeftirspurneftirvruogYj;nustu. wO    0lj;siframangreindsogYeirrarYr;unarsemorWiWhefurlnamarkaWi,srlagimeWtil B  lititilYeirralnsafurWasemboWnareruneytendum,varnauWsynlegtaWendurskoWaregluverk    Evr;pusambandsinshvaWvarWarveitinguneytendalna.TilskipunEvr;puYingsinsogrWsins   2008/48/EBerafraksturYeirrarvinnu.TilskipuninvarsamYykktafEvr;puYinginu23.aprl {  2008ogfllYrgildieldritilskipun87/102/EBEumsamaefni.Tilskipun2008/48/EBvar nF tekinuppsamninginnumEvr;pskaefnahagssvWiWmeWkvrWunsameiginleguEES 9 nefndarinnarnr.16/2009sembirtvar19.mars2009EES-viWbtiviWStj;rnartWindiEvr  ;pusambandsinsnr.16/2009.    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