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Nandastsj;WflagisemnautellieWarorkulfeyrisrsj;WnumeWagreitthafWiiWgjaldtilhansa.m.k.24mnuWiundanfarandi36mnuWumogltureftirsigmaka,oghinneftirlifandimakiYrttlfeyrirsj;Wnum,endahafihannveriWorWinn35raaWaldriviWfrfallsj;Wflagansoghj;nabandiWstaWiWa.m.k.fimmrogveriWstofnaWWurensj;WaaflaginnnWi60raaldri.  Ltisj;WflagieftirsigeittbarneWafleiriinnanntjnraaldurssemhannhefurttmeWeftirlifandimakasnumskalmakalfeyrirveitturntillitstilhjskapartmaogaldurssj;W flagaogeftirlifandimaka.KjrbarnYeirraveitirsamartt,endahafittleiWinginttsr '", &   staWfyrir60raaldursj;Wflagans,Wurenhannmisstistarfsorkusnaog_a.m.k._ԀeinuriWurenhannlst.'/FD  Nandastsj;WflagisemuppfyllirskilyrWi1.mgr.10.gr.umiWgjaldagreiWslutma,enmakihansfrekkirskurWaWanmakalfeyriskv.1.eWa2.mgr.Yessarargreinar.,eWagreiWslaskv.2.mgr.stendurskemuren24mnuWi,ogskalmakalfeyrirYenguaWsWurgreiddur24mnuWieftirfrfallsj;Wflagans.Efeftirlifandimakier_a.m.k._Ԁ50%ryrkiogyngrien67raskalmakalfeyrirgreiddurmeWanYaWstandvarir.  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UpphWmakalfeyriserhundraWshlutiafgrundvallarlaunumsj;WsinsognemurhundraWshlutiYessisamanlgWumstigafjldasemsj;WflaganumerreiknaWur,margflduWummeW0,779.AukunninnastigaskalteljameWYaustigsemtlamaWsj;WflaginnhefWiunniWsrframtil60raaldurs,reiknuWsamrmiviWkvWi5.mgr.10.gr.,enY;skalaldreimiWameWaltalstigaviWfleirialmanaksrenYausemsj;WflaginnhefurgreittiWgjld.Hafisj;WflaginnnotiWrorkulfeyrisrsj;WnumskalreiknastigfrYeimtmaerhonumvarveitturrorkulfeyrirtil60raaldurssamrmiviWstigYausemlgWvorutilgrundvallarrorkulfeyri.VeitidauWsfalliWhinumeftirlifandimakajafnframtrtttillfeyrisrWrumsj;WiskalhannYvaWeinsflfeyrirYessumsj;Wivegna;kominstmaaWhannhafisWastgreittiWgjldtilhans.̀  12.gr.    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'",   & ,  III.KAFLI TmiskvWi.   13.gr.      LeiWitryggingafrWilegathugunlj;s',/TԀaWfjrhagursj;Wsinser;tryggurogtlamaWeignirmuniekkidugafyrirskuldbindingumskalstj;rnsj;Wsins,aWhfWusamrWiviWtryggingafrWing,beitasrfyrirnauWsynlegumbreytingumlgumsj;Wsins.  14.gr.    NnarikvWiumskipulagsj;WsinsogstarfsemihansskulusettsamYykktirsemstj;rnsj;WsinssemurogstaWfestareruaffjrmlarWherraaWfenginniumsgn_Fjrmlaeftirlitsins_.Sj;Wurinnskaltilkynnab_Fbcfcjrmlaeftirlitinu_Ԁumbreytingarstj;rn,framddkvmdaeestj;ra,endurskoWandaogtryggingafrWingi.  15.gr.    LgYessiWlastgildi1.janar1999.Jafnframtfallargildilgnr.94/1994,umLfeyrissj;Wsj;manna,ogreglugerWumstarfsemisj;Wsinsfr1.september1994.X;skulukvWireglugerWarinnarumlfeyrisrttindioglfeyrisgreiWslurtilsj;Wflagahaldagildisnutil30.jn1999.Fr1.jl1999gildakvWilagaYessaraogsamYykktasj;WsinssemsettarverWagrundvellilagaumlfeyrisrttindioglfeyrisgreiWslursj;Wflaga.NUstj;rnsj;Wsinsskv.3.gr.skaltakaviWeftirfyrstarsfundsj;Wsinssemhaldinnskalfyrirlokjn1999.@ #dggAthugasemdirviWlagafrumvarpYetta.#ggd[Ԉ r   FrumvarpYettaerlagtframtilYessaWsamrmareglurumLfeyrissj;Wsj;mannalgumnr.129/1997,umskyldutryggingulfeyrisrttindaogstarfsemilfeyrissj;Wa(_slsl_.)samtYvaWbreytareglumsj;WsinsYannigaWhanngetistaWiWviWskuldbindingarsnar.XerbreytingineinnignauWsynlegvegnad;msHstarttarfr28.ma1998,ensamkvmthonumvarbreytingreglumsj;WsinssemgerWvarrinu1994talin;lgmtYarsemhnvargerWmeWreglugerWenekkilgum.  Lgnr.129/1997gildaumlgbundnalfeyrissj;WimeWYeimundanYgumsemtilgreindareru50.gr.Yeirralaga.XaWt.d.viWumV.kaflasemfjallarumtgfustarfsleyfaogIII.kaflasemfjallarumlfeyrisrttindin,aWundanskildukvWinusemfjallarumskiptinguellilfeyrisrttindamillisj;Wflagaogmakahans,og3.gr.semfjallarum_iWgjaldsstofninn_.XrttfyriraWsetthafiveriWtarlegkvWilgnr.129/1997umstarfsemilfeyrissj;WaYykirrttaWfjallaumhelstuatriWiervarWastarfsemiLfeyrissj;Wssj;mannalgumumhann,svosemumaWild,stj;rn,iWgjald,iWgjaldsstofnoglgveW.JafnframterukvWiumlfeyrisrttindisettlgaWnUjuvegnad;msHstarttarfr28.ma1998YarsemtaliWvaraWbreytingarreglumsj;WsinsumlfeyrisrttindisemgerWarvorumeWreglugerWyrWiaWgerameWlgum.GerterrWfyriraWsamYykktumsj;WsinsverWisettfrekarikvWiumstarfsemihanst.d.umskipulag,rsfund,fjrfestingarstefnu,gerWard;m,upplUsingaskylduogendurskoWun.  NauWsynlegteraWgerabreytingarrttindumsj;WflagavegnastWusj;Wsins.SamkvmttryggingafrWilegrittektsemgerWvarmiWaWviWstWusj;Wsinsrslok1997vantaWi8.246millj;nirkr;naaWsj;Wurinnttifyrirheildarskuldbindingum.Samkvmtlgumumskyldutryggingulfeyrisrttindaogstarfsemilfeyrissj;WaskulusamYykktirlfeyrissj;WsviWYaWmiWaWaraWsj;WurinngetistaWiWviWskuldbindingar.Munurmilli '#- eignaogskuldbindingamekkiverameirien10%einuriogekkimeiraen5%samfelltfimmr.HallinnLfeyrissj;Wisj;mannanamrslok199713,3%afheildarskuldbindingumoghafWiveriWnnasthinnsamirslok1996og1995.TilYessaWrttaafstWusj;WsinserlagttilfrumvarpiYessuaWllrttindisj;WflagaverWilkkuWum13,4%endaerYaWmatstj;rnarsj;WsinsaWbrUnanauWsynberitilYessararskerWingarogaWfyllstajafnrWissgttmeWalsj;Wflaga.X;erbarnalfeyrirundanskilinnYarsemlgnr.129/1997,umskyldutryggingulfeyrisrttindaogstarfsemilfeyrissj;Wa,setjareglurumlgmarksfjrhWirbarnalfeyris.EfbarnalfeyriryrWilkkaWurum13,4%nWufjrhWirekkiYeimlg??mrkumsemgerterrWfyrirYeimlgum.  AthugasemdirviWeinstakargreinarfrumvarpsins.    Um1.gr.        HrerkveWiWumheitisj;Wsinsoghlutverk.Sj;WurinnstarfarneinnideildennauWsynlegtYykiraWheimilastj;rnsj;WsinsaWskiptahonumdeildireftirfjrfestingarstefnu,sbr.1.mgr.36.gr.laganr.129/1997,svoogaWstofna_sreignadeild_ԀviWsj;Winnvegnam;t@@tkulfeyrissparnaWarsreign.XYykirnauWsynlegtaWheimilastj;rnsj;WsinsaWtakaupp_aldurstengda_ԀrttindavinnsluvegnaiWgjaldasameignenslkiWgjldyrWuvarWveittsrstakrideild.Nokkrirlfeyrissj;WirhafakveWiWaWtakaupp_aldurstengt_Ԁ_rttindaAAvinnsluBBkerfi_ԀoghaldisYr;unframgeturveriWnauWsynlegtaWtakauppslktkerfihjLfeyrissj;Wisj;manna.  Um2.gr.    HrerfjallaWumaWildaWsj;WnumogerkvWiWsambrilegtviW2.gr.ngildandilagaumsj;Winn.  Um3.gr.    HrerfjallaWumskipanstj;rnarsj;Wsins.LagtertilaWstj;rninaskipittamennstaWsexeinsogngildandireglurkveWaum.XvverWibttviWtveimurstj;rnarmnnum,WrumtilnefndumafVlstj;raflagi0slandsoghinumtilnefndumafVinnuveitendasambandi0slands.RttYykiraWVlstj;raflagiWeigiaWildaWstj;rninnivegnahinsst;rah;psflagsCCmannaYesssemgreiWirlfeyrisiWgjldtilsj;Wsins,ogtilYessaWhaldajafDnDvgistj;rnmilliatvinnurekendaoglaunYegaerlagttilaWVinnuveitendasamband0slandstilnefnitvostj;rnarmennstaWeinsWur.  Um4.gr.    0greininnierfjallaWumhelstuhlutverkstj;rnarenkvWiWersamrmiviW29.gr.lagaumskyldutryggingulfeyrisrttindaogstarfsemilfeyrissj;Wa.Umhlutverkstj;rnaraWWruleyti,hlutverkframkvmdastj;ra,hfistj;rnarmannaogrsfundferskv.VI.kaflaYeirralaga.  Um.5.gr.    0greininnierfjallaWumiWgjaldsstofnogerhannssamiogveriWhefurhjsj;Wnum.VsEEaWertil50.gr.slsl.Yessusambandi.XerusettarreglurumgjalddagaogeindagaiWgjaldsogeruYrsammiviWngildandireglursj;Wsins.NauWsynlegtYykiraWsetjalgsj;Wsinsslkarreglurenhjsj;WnumgildasrstakarreglurYessusambandivegnakjarasamningaatvinnurekendaogsj;mannaYarsemlaunatmabilgeturveriWlengraenmnuWur. '#- Ї  Um6.gr.    HrerkveWiWumheimildsj;Wsinstilm;ttkuviWb;tariWgjaldsogheimildtilYessaWkveWasamYykktumaWhlutaaf10%iWgjaldinusvariWsreignenumslkasamYttingusameignarogsreignargilda4.og5.gr._slsl_.Sj;WflagigtiYannigrWstafaWannaWsreignarFFhlutaiWgjaldsins.JafnframtyrWisj;WurinnaWtryggjaaWsamYttingsreignarogsameignarngWitilYessaWstandaundir_lgmarkstryggingaverndinni_Ԁsemsj;WnumerskyltaWveitaskv.4.gr.GG  Um7.gr.    HrerfjallaWumskyldulaunagreiWendatilYessaWstandaskiliWgjldum,svoogumlgveWskipumtiltryggingariWgjaldagreiWslumtilsj;Wsins.kvWiWersamhlj;WakvWingildandilgumsj;Wsins.  Um8.gr.    0YessarigreinerfjallaWumgrundvlllfeyrisrttinda,grundvallarlaunogstigatreikning.kvWiWersamrmiviWngildandireglur.  Um9.gr.    0YessarigreinerfjallaWumellilfeyri.Greininersamhlj;WangildandikvWiumellilfeyrireglugerWsj;WsinsaWWruleytienYvaWstuWullviWtreikninglfeyrihefurveriWlkkaWurum13,4%tilYessaWsj;WurinngetistaWiWviWskuldbindingar.  Um10.gr.    0YessarigreinerfjallaWumrorkulfeyriogergreininaWmestuleytisamrmiviWYrreglursemngildahjsj;Wnum.BtterviWkvWisemheimilarsj;Wstj;rnaWfengnulititrnaWarlknisaWsetjaYaWskilyrWifyrirgreiWslurorkulfeyrisaWsj;WflagifariendurHHhfingusembttgetiheilsufarhans(4.mgr.).FellderuniWurkvWiYessefnisaWtilaWeigarttframreikningirttindaverWisj;WflagiaWverametinntilalmennrarrorkuaWlgIImarki20%oghafagreitttilsj;Wsins_a.m.k._Ԁ100dagasWustut;lfmnuWum.Xer_treikningsstuWull_ԀlkkaWurum13,4%tilYessaWsj;WurinngetistaWiWviWskuldbindingar.  Um11.gr.    HrerfjallaWummakalfeyri.kvWiWersamrmiviWngildandikvWireglugerWsj;WsLLins,enrtturtilmakalfeyrisermunvWtkarihjsj;WnumenlgmarksskilyrWierusamKKkvmtlgunumumskyldutryggingulfeyrisrttindaogstarfsemilfeyrissj;Wa.HugtakiWmakierskilgreintsamrmiviWlgumskyldutryggingulfeyrisrttindaogstarfsemilfeyrMMisJJsj;WaogstuWullviWtreikninglfeyriserlkkaWurum13,4%.  Um12.gr.    0YessarigreinerfjallaWumrtttilbarnalfeyrisvegnaandltseWarorkusj;Wflaga.HelstabreytinginfrngildandireglumeraWgrunnfjrhWirbarnalfeyriserutilgreindarogeigaYraWtakabreytingumsamrmiviWYr;unvsitluneysluverWs.0ngildandireglNNumerhinsvegartekiWmiWafbarnalfeyrialmannatrygginga.FjrhWirbarnalfeyrisgreinYessarierusamrmiviWlgumskyldutryggingulfeyrisrttindaogstarfsemilfeyrissj;Wa. '#- Ї  Um13.gr.    0greininnierfjallaWumskyldustj;rnartilYessaWgrpatilrWstafanavegnastWusj;Wsins.Skv.2.mgr.39.gr.slsl.erskyltaWgerabreytingarreglumsj;Wsinsefmeiraen10%munurverWurmillieignaogskuldbindingaogeinnigefmunurinnhefurveriWmeirien5%samfelltfimmr.  Um14.gr.    GerterrWfyriraWtarlegrikvWiverWisettumstarfsemisj;WsinssamYykktirsemstj;rnsj;WsinssemurenrWherrastaWfestir.  Um15.gr.    GerterrWfyriraWlgYessiWlistgildi1.janar1999ogjafnframtsamYykktirsj;Wsins.X;ergertrWfyriraWkvWilagannasemgerarWfyrirbreytingurttindumsj;Wflagakomitilframkvmda1.jl1999.FramaWYeimtmagildikvWingildandireglugerWarsj;WsinsvarWandilfeyrisrttindi.EinnigergertrWfyriraWnUstj;rntakiviWaWloknumfyrstarsfundisj;Wsinssemhaldaskalfyrirjnlok1999,enfrumvarpinuerlagttilaWstj;rnarmnnumverWifjlgaWumtvo.O Fylgiskjal. > ~ A) dqE?: A^ ~ O   PPRRQ =Q(rQH"> >uby?vvbH Fylgiskjal. r  =A f)!AH"> >ub>>vbyH QFjrmlarWuneyti, r fjrlagaskrifstofa: j= %  % SS  UmsgnumfrumvarptillagaumLfeyrissj;Wsj;manna.      FrumvarpYettamiWaraWYvaWsamrmareglurumLfeyrissj;Wsj;mannaviWlgnr.  129/1997,umskyldutryggingulfeyrisrttindaogstarfsemilfeyrissj;Wa,ogtryggjaaWhanngetistaWiWviWskuldbindingarsnar.Rkissj;WurberengabyrgWskuldbindingumlfeyrissj;Wsinsogveitirekkiftilhans.VerWifrumvarpiWaWlgumhefurYaWYvenginhriftgjld_rkissj;Ws.##T !T_