WPC' 'gQ8=`,9U E8ʜ=Da J4=OS"0FZN@d2l gk!n&iA,iY#ȭjZ4$QSQd,iq>veE+Ij؜b{L=wR3Vq^Z3̓T?܆DS?To tl3uL.aol?3iP6 2bzDC4I`Q?豸Oë́tra?NXŘu5w0  *_HaWY)Cթgz'*Bjݶ~tݞrT/]pFb-/K ̳9h L낢u2\)'\W"Vt#Rgo tx\=W6>3n#'Kΰ.Bb˗urXF}pSq"R"-WTad4mP~ UN" %p 04v #(s 4 m>w&^ *46JJJJ:YYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYYN 1 0Q&&&& 0Qww 0] 03u%!%! 0w!! 0"" 0"" 1us#s#s#s# B####6$$$$$$$$$$$$ 72;%;%/m%m% 1%%%%%%%%%%%%%%%%%%%%%U:=&=&=&=&Mw&w&w&w&V{&&d9 Z6Times New Roman RegularX( Z$ IS , .\R6&A4\XħXXXTRW<6&A4W<6&A4 6&A4 6&A4T ? XXħ0?vvbX0#ggdd  8dXXd8ISUS.,    Adobe PDFyy0 W:\WP2000\SKJRI~IZ.WPTUW:\WP2000\SkjritunY2k-nytt.wptjf9 '\M9:i+003|x 0 a;'ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.   _Ԁikmo %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.()3;$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXrHXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? 2XXrH0?vvbX0#ggdd  8dd8ISIS,.     ()3;$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXrHXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? 2XXrH0?vvbX0#ggdd  8dd8ISIS,.     (53$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXrHXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? 2XXrH0?vvbX0#ggdd  8dd8ISIS,.      d (M0J$2  0  .3  0 ` (O;$0  2#  a  .3  0` (#(#(u$0  0` (#(#` `  2  a  .3  0` (#` (#(`$0  0` (#(#0 ` (#` (#0 (# (#"h2  0  .3  0(#(#3#37=CIQYag1.a.i.(1)(a)(i)1)a) d , g+ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.   d  ݀qi) %y_ gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)4cp Z "Times Regular L e;)ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.   _>? Ҁ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A43'LetterTXXXXTRW6&A4W6&A4 6&A4 6&A4T ? XX0?vvbX0#ggdd  8dd8ISIS,.     _ >?  _ikmo(%03q 9136.lggjafarYing2008!2009. ( _Xskj_.135"125.ml.     Z@ # Z# ZFrumvarptillaga# Z#   umbyrgWarmenn.     @@66_Flm_.:LWvk_Bergvinsson_,gmundurJ;nasson,J;nMagnsson,PturH.Blndal, K #  ArnbjrgSveinsd;ttir,GuWnigstsson,gst:lafurgstsson.      I.KAFLI    MarkmiW,gildissviWogframsal.  wO  1.gr. B    MarkmiWYessaralagaeraWsetjareglurum_byrgWir_Ԁeinstaklinga,dragarvgi_byrgWa_    ogaWstuWlaaWYvaWlnveitingarverWimiWaWarviW_greiWslugetu_Ԁ_lntaka_Ԁoghanseigin   tryggingar. {  @==!2.gr. 9   LgYessigildaumstofnanirogfyrirtkisemstundatlnastarfsemi,_Y.m.t._ԀviWskipta  banka,sparisj;Wi,_greiWslukortafyrirtki_,_tryggingaflg_,lfeyrissj;Wi,_0bWalnasj;W_Ԁog  Lnasj;Wslenskranmsmanna,YegarveitterlneWannur_lnafyrirgreiWsla_ԀmeWYvskil r yrWiaW_lntaki_Ԁtvegi_byrgWarmann_Ԁtiltryggingar_efndum_. e=   MeW_byrgWarmanni_ԀerttviWeinstaklingsemskuldbindursigpers;nulegaeWameW_veW 0 setningu_ԀtilgreindraeignasinnaendasaWaltilgangurbyrgWarekkiYguhanseigin  atvinnurekstrar.    byrgWerannaWhvorteinfldbyrgWeWa_sjlfskuldarbyrgW_.S_byrgWarsamningi_ i ekkerttekiWframumhverskonarbyrgWsaWrWaskalhnlitineinfld. \4   @==!3.gr.    _Lnveitandi_Ԁskaltilkynna_byrgWarmanni_ԀumframsalrttindasemreisterubyrgWinni  eWalniYvsembyrgWinstendurtiltryggingar. `    LgYessigildaum_framsalshafa_ԀeftirYvsemviW. S+!   II.KAFLI #  Stofnun,efniogform_byrgWarsamninga_.   $ 4.gr. !W%   _Lnveitanda_ԀberskyldatilaWmetahfi_lntaka_ԀtilaWstandaskilummeWYaWlner J""& byrgWarerkrafistfyrir._GreiWslumat_ԀskalbyggtviWurkenndumviWmiWunum. #'   _Lnveitandi_ԀskalmeWskriflegumhttirWa_byrgWarmanni_ԀfrYvaWgangastbyrgWef #( _greiWslumat_ԀbendirtilYessaW_lntaki_Ԁgetiekkiefntskuldbindingarsnar. $ )   MeWsamahttiskal_lnveitandi_ԀrWa_byrgWarmanni_ԀfrYvaWundirgangastbyrgWef v%N!* aWstWur_byrgWarmanns_Ԁgefatilefnitil. A&"+    '", 9 y_   @==!5.& a  gr. (   FyrirgerWbyrgWarsamningsskallnveitandiupplUsabyrgWarmannskriflegaumY  httusembyrgWersamfara.0YvfelstmeW'a(alannarsaWveitaupplUsingarum:   (g00_ikmo"i0J"  i0J2g  a  .3  Ԉ0    almennarreglursemumbyrgWirgilda,i0J݌a Ќ  "i0J"  i0J2g  b  .3  Ԉ0    greiWslugetulntaka,i0J݌T, Ќ  "i0J"  i0J2g  c  .3  Ԉ0    lnYaWsembyrgWertlaWaWtryggjaoghvaWatilgangiYaWertekiW,i0J݌ Ќ  "i0J"  i0J2g  d  .3  Ԉ0    gildistmabyrgWar,i0J݌ Ќ  "i0J"  i0J2g  e  .3  Ԉ0    hfuWst;lbyrgWar,hlutfalleWahmarksfjrhWsemhenniertlaWaWtryggja,i0J݌  Ќ  "i0J"  i0J2g  f  .3  Ԉ0    hvortbyrgWstanditiltryggingarvanskilakostnaWioghvernighannerreiknaWurt,i0J4݌ X Ќ  "i0J"  i0J@2g  g  .3  Ԉ0    tryggingarsemlntakihefurtvegaWhjWrumenbyrgWarmanniogvirWiYeirra,i0J@m݌K #  Ќ  "i0J"  i0J{ 2g  h  .3  Ԉ0    nnurlnlntakahjviWkomandilnveitandaogstWuYeirra,i0J{ ݌   Ќ  "i0J"  i0J!2g  i  .3  Ԉ0    hvortbyrgWarmaWurgetiorWiWsrtiumbyrgWartryggingustaWbyrgWar,i0J!!݌   Ќ  "i0J "  i0J"2g  j  .3  Ԉ0    leiWirsembyrgWarmannistandatilboWatilaWfleystrgreiningivegnabyrgWar,i0J"#݌  Ќ  "i0J "  i0J$2g  k  .3  Ԉ0    nnurYauatriWisemeWlilegteraWbyrgWarmaWursupplUsturum.i0J$H$݌wO  Ќ    byrgWarmaWurrttaWfafhenteintakafbyrgWarsamningioglnssamningisem B  byrgWinstendurtiltryggingarWurenhanngengstundirbyrgW.    @==!6.gr. {    byrgWarsamningurskalveraskriflegur.0honumskalgetiWYeirraupplUsingasemnefndar nF eru5.gr.ogskoWastYrsemhlutisamningsins. 9   LnveitandigeturekkieinhliWabreyttskilmlumbyrgWarsamnings,Y.m.t.lnssamnings,  byrgWarmanni;hag.kvWiYettagildirY;ekkiumbreytingarvxtumeWaeWlilegum  kostnaWarliWumsemlnveitandihefurrtttilaWbreytasamkvmtlnssamningisembyrgW r stendurtengslumviW. e=     III.KAFLI   RttarsambandlnveitandaogbyrgWarmanns.   7.gr. i (  LnveitandiskalsendabyrgWarmannitilkynninguskriflegasvoflj;ttsemkosturer: \4 ! ! (g00 "i0J"  i0J*2g  a  .3  Ԉ0    umvanefndirlntaka,i0J**݌' Ќ  "i0J"  i0J+2g  b  .3  Ԉ0    efveWeWaaWrartryggingareruekkilengurtiltkar,i0J++݌ Ќ  "i0J"  i0J,2g  c  .3  Ԉ0    umltlntakaeWaaWbhanshafiveriWtekiWtilgjaldYrotaskipta,i0J,,݌ Ќ  "i0J"  i0J-2g  d  .3  Ԉ0    umnnuratviksembreytaforsendumbyrgWarbyrgWarmanni;hag,i0J-.݌`  Ќ  "i0J"  i0J/2g  e  .3  Ԉ0    eftirhverram;tmeWupplUsingumumstWulnssembyrgWstendurfyrir.i0J/B/݌S+! Ќ    byrgWarmaWurverWurekkikrafinnumgreiWslurdrttarvxtumeWaWrumvanskila " kostnaWilntakasemfellurtileftirgjalddaganemaliWnarsutvrvikurfrYvaWbyrgWar # mannivarsannanlegagefinnkosturaWgreiWagjaldfallnaafborgun.  $   LnveitandigeturekkiYannigaWgildihafigagnvartbyrgWarmannigjaldfelltlnheild !W% sinninemabyrgWarmannihafiWurveriWgefinnkosturaWgreiWagjaldfallnarafborganir J""& lnsins. #' @==!8.gr. $ )   EkkiverWurgerWaWfrfasteignYarsembyrgWarmaWurbUreWafjlskyldahansefkrafa v%N!* r;tsnaaWrekjatilpers;nulegrarbyrgWar. A&"+   LnveitandigeturekkikrafistgjaldYrotaskiptabibyrgWarmannsefkrafahansr;t  '", snaaWrekjatilpers;nulegrarbyrgWarnemahanngerisennilegtaWumsviksamlegtundan '#- skoteignabyrgWarmannshafiveriWaWrWa. (z$. Ї& a   IV.KAFLI (  TakmarkanirbyrgW.   9.gr.'a(.5  :5  HafilnveitandikeypttrygginguvegnahugsanlegsgreiWslufallslntakaoggreiWsluskylda a fellurtilsamkvmtskilmlumtryggingartakmarkarsgreiWslabyrgWbyrgWarmannssem T, nemurYeirrifjrhWsemgreidderinnlniW.    EflnveitandivanrkiraWlUsakrfugjaldYrota-eWadnarblntakalkkarkrafa  hendurbyrgWarmannisemnemurYeirrifjrhWsemellahefWifengistgreiddrYrota-eWa   dnarbilntaka.  X   NauWasamningureWannureftirgjfsemkveWurumlkkunkrfuhendurlntaka K #  hefursmuhriftillkkunarkrfuhendurbyrgWarmanni.      V.KAFLI    BrottfallbyrgWareWaannarratryggingarrWstafana.  wO  10.gr. B  9  byrgWarmaWurverWurekkiskuldbundinnafbyrgWarsamningihafilntakialdreiorWiW    skuldbundinntilaWinnagreiWsluafhendisamkvmtsamningiviWlnveitanda.     EflnveitandisamYykkiraWveWeWaaWrartryggingarrWstafanirsemgerWarvorutilaW {  tryggjaefndirsamningsskuliekkilengurstandatiltryggingar,ogbreytinginhefurfrmeW nF sraWstaWabyrgWarmannserYmunverrienhnvar,erbyrgWarmaWurekkilengurbund 9 innafsamningisnum.    EflnveitandiveitirlntakagreiWslufresterbyrgWarmaWurekkibundinnafsamningisn  umhvaWvarWarbyrgWefndumYeirrargreiWslunemalnveitandigetisUntframaWgjald r fresturinnhafiekkihafthrifgreiWslugetulntaka. e=   VI.KAFLI   ReglugerWarheimild.   11.gr. i =  ViWskiptarWherraerheimiltaWsetjareglugerWumframkvmdlagaYessara. \4   VII.KAFLI   Gildistaka.   12.gr. `  >  LgYessiWlastYegargildi. S+! @#dggGreinargerW.#ggd?Ԉ #   FrumvarpYettahefurWurveriWflutt,sWast128.lggjafarYingi,enernlagtfram  $ nokkuWbreyttrimynd.0YverlgWherslaverndbyrgWarmannaogformfestuogfagleg !W% vinnubrgWviWgerWlnasamningaYarsemkrafisterbyrgWarmanna.FinnamYessmrg J""& dmirslenskuviWskiptalfiaWforsendaYessaWsamningarhafitekistmeWlnveitendum #' oglntkumeraWYriWjiaWili,einstaklingur,hefurendurgjaldslausttekisthendurbyrgW. #( AfleiWingarslkragerningahafaoftveriWmjgYyngjandifyrireinstaklinga,fjlskyldurog $ ) samflagiWheild.YettasrstaklegaviWtilvikumYarsembyrgWarmennhafaekkigetaW v%N!* tekiWupplUstakvrWunumYhttusemYeirtakastherWarmeWYvaWgangastpers;nu A&"+ legabyrgWvegnafjrskuldbindingaYriWjamanns.  '",   XaWerundirliggjandisj;narmiWsamningarttia&  WaWilarsamningshafibWirhagafYv '#- aWsamningursefndureftirefnisnu.Xettasj;narmi''DWbyggistYeirriforsenduaWstaWaaWila (z$. sjafnsterkviWsamningsgerW.EfstaWaannarsersterkarigeturhinnaWilinnhaftYrffyrir ( auknaverndtilaWfyrirbyggjaaWhannundirgangist;sanngjarnasamningsskilmla.Mtti  nefnaYvsamhengiYaWstWuYegareinstaklingarkaupavrueWaYj;nustutilpers;nulegra  notaogviWskiptineruliWuratvinnustarfsemiseljanda.EruslkviWskiptiaWjafnaWinefnd a neytendaviWskiptiogerulgumUmiskvWisemtlaWeraWtreystarttarstWuneytandans T, gagnvartseljandaYegarsvoberundir,sbr.t.d.lgnr.121/1994,umneytendaln,lgnr.  42/2000,umYj;nustukaup,lgnr.46/2000,umhsgnguogfjarslusamninga,lgnr.  48/2003,umneytendakaup,ogaW;gleymdri36.gr.samningalaganr.7/1936.     FrumvarpYettabyggistWrumYrWisj;narmiWumumneytendavernd,aukkrfunnarum  X vnduWvinnubrgWfjrmlafyrirtkja.NauWsynreglnafrumvarpsinsbirtistm.a.aWstWu K #  munsemjafnanerstWubyrgWarmannaannarsvegaroglnveitendahinsvegar.0flestum    tilvikumerllsrfrWiYekkinglnsviWskiptumhjlnveitandaogmYvsambandibenda    aWnUveriWhefurRWgjafarstofaumfjrmlheimilannagreintfrYvaWum16%Yeirrasem   YangaWhafaleitaWrinu2006vegnafjrhagsvandrWakenniumvankunnttufjrmlum. wO  XaraWaukihafabyrgWarmennyfirleittenganfjrhagsleganhagafYvaWgangastbyrgW B  ogstWurYessaWYeirgeraYaWeroftarenekkikrafalnveitendaumauknartryggingareWa    YrUstingurfrfjlskyldumeWlimum,vinumogkunningjumsemerfittgeturveriWaWstandast   YarsemafkomaogafdriflntakagetaveriWundirYvkominaWumbeWinfyrirgreiWslafist. {    AWrarrksemdirfyrirframlagningufrumvarpsinseruYraWofnotkunbyrgWaerekki nF taktiviWhugmyndirsembaaWbakihlutaflagaforminuumtakmarkaWabyrgWhluthafan 9 heldursj;narmiWumaWaWilisamningsberieWlilegahttuafviWsemjandasnum.Einnigm  haldaYvframaWbyrgWarfyrirkomulagiWsamrmistekkingilegaveleinniafmeginregl  umveWrttarinsumsrgreininguverWmtasemleggurbannviWallsherjarveWsetningu,sbr. r 1.mgr.3.gr.laganr.75/1997,umsamningsveW.LoksmbendaaWekkinUturviWn e= kvmraupplUsingaumhvortumfangvanskilasYaWmikiWaWrttlttgetiYaWsrstakafyrir 0 komulagumbyrgWirsem0slendingarbaviWdagogsemekkisrhliWstWuYeimlnd  umsem0slandbersigsamanviW.    0slensklghafaekkiaWgeymaalmennarreglurumbyrgWarmennfjrskuldbindingaeWa i hvernigstaWiWskuliaWslkrisamningsgerW.BankarogaWrarfjrmlastofnanirhafaYvaW \4 mestum;taWeiginreglurumsamskiptisnogbyrgWarmanna.0skUrslunefndarfrYv ' n;vember1996,semviWskiptarWherraskipaWitilaWfarayfirframkvmdbyrgWarveitinga,  kemurframaWgeramegirWfyriraWum90.000einstaklingaryfir18raaldrisubyrgW  fyrirfjrskuldbindingumYriWjaaWila.XaWeruum47%allra0slendingaYessumaldri.0liti `  nefndarumrttindiogskyldurviWskiptumneytendaviWfjrmlafyrirtkifrma2004 S+! kemurframaWbyrgWarmnnumlandinuhafifkkaWsWanogsuum75.000.EkkinUtur " viWnUrriupplUsingaumfjldabyrgWarmanna. #   0loksWustualdartWkuWustbyrgWirhrlandimunmeirimlienYekktistmeWaln  $ grannaYj;WaokkarogtilaWstemmastiguviWstandinuvarfyriratbeinastj;rnvaldagertsr !W% staktsamkomulagmillitiltekinnalnveitendaogNeytendasamtakannaumnotkunbyrgWa. J""& SamkomulagiWvarundirritaWrinu1998ogvaryfirlUstmarkmiWYessaWdragarvgi #' byrgWaeinstaklingaogaWlnveitingaryrWumiWaWarviWgreiWslugetugreiWandaoghanseig #( intryggingar.SamkomulagiWvarendurskoWaWriW2001.0litifyrrgreindrarnefndarfr $ ) 2004kemurframaWsamkomulagiWhafiWlastviWurkenningusemalmennarleikreglur v%N!* lnamarkaWi. A&"+   SamkomulagiWumnotkunbyrgWahefureflaustttsinnYttYvaWbyrgWumhefur  '", fkkaWfrrinu1996enaWrirYttireinsogbreyttviWhorfalmennings,starfsemiNeytenda '#- samtakannaogtilkomarskurWarnefndarumviWskiptiviWfjrmlafyrirtkihafaeinnigskipt (z$. mli.XhefurumrWaAlYingihafttalsvertumYaWaWsegjaaWlnastofnanirhafaviljaW ( skoWaYessimlfrekar.EftirsemWurbendatlurumfjldabyrgWarmannafrrinu2004  tilYessaWmikiWverksenn;unniW.FlutningsmennteljaaWverulegumrangriverWiekki  nWnemameWsetningulagareglnaumnotkunbyrgWa. a   RauWiYrWurinnfrumvarpinuersaWbyrgWarmaWurskuliveraupplUsturumYhttu T, sembyrgWfelstWurenhanngengstundirhana.SlkvinnubrgWerutilYessfallinaW  styrkjavirWiYeirralnasamningasemlnveitendurgera.0frumvarpinuerYettagertmeWYv  aWskyldalnveitandatilaWviWhafavissaformfestuviWundirbning,stofnunogframkvmd   samningaumbyrgWir.NgirYvsambandiaWnefnakvWifrumvarpsinssemsnerta  X greiWslumatlntaka,skrifleganbyrgWarsamning,tilkynningaskylduogbreytingarskilml K #  umbyrgWar.XhefurviWsamningufrumvarpsinsveriWtekiWtillittild;msrlausnasviWi    slensksrttarsemgengiWhafaumbyrgWir,sbr.t.d.Hrd.nr.163/2005,Hrd.nr.3/2003og    Hrd.nr.152/2002.0Hrd.nr.163/2005varsjlfskuldarbyrgW;giltmeWvsantil36.gr.   samningalagaYarsemlnveitandiltundirhfuWleggjastaWframkvmagreiWslumatsam wO  rmiviW3.mgr.3.gr.samkomulagsumbyrgWirogupplUsaaWYvbnubyrgWarmannum B  slmaskuldastWulntaka.0Hrd.nr.3/2003varveWleyfi;giltmeWvsantilsmulagagrein    arvegnaYessaWlnveitandilthvorkikannahinarsrstkuaWstWurbyrgWarmannssem   varandlegavanYroskangreiWslugetulntaka.0Hrd.nr.152/2002taldirtturinnaWbyrgW {  armaWursemgefiWhafWitvxiltiltryggingaryfirdrttihefWimtttreystaYvaWsyfir nF drttarheimildyrWiekkihkkuWnsamYykkishans. 9   GildissviWifrumvarpsinsertlaWaWtakajafnttilYessYegareinstaklingargangastper  s;nulegabyrgWirogYegarYeirveitaveWtilgreindumeignumsnumtiltryggingarefnd  umlntaka.HelstunUmlifrumvarpsinseruaWfasteignbyrgWarmanns,Yarsemhannheldur r heimili,skuliundanYegiWaWfrogaWgjaldYrotaskiptaverWiekkikrafistbibyrgWarmanns e= aWgreindumskilyrWum.XesshttarverndsrfyrirmyndrttiannarraYj;WaoghefurveriW 0 rkstuddmeWvsantilYeirrarsamflagsleguupplausnarsemfylgirYvYegarfjlskylda  byrgWarmannssrekkilengursamastaW.XessinUmlierueinskorWuWviWpers;nulegar  byrgWireneigaekkiviWYegarbyrgWarmaWurveitirveWtilgreindrieign. i @ AthugasemdirviWeinstakargreinarfrumvarpsins. ' @ Um1.gr.    EinsogframkemurgreinargerWermarkmiWfrumvarpsinshiWsamaogmarkmiWsam  komulagsinsumbyrgWirskuldumeinstaklingasemtlaWeraWdragarvgibyrgWaog `  miWalnveitingarviWgreiWslugetulntakaoghanseigintryggingar.AWWruleytivsasttil S+! YesssemrakiWeralmennahlutagreinargerWarinnar. " @ Um2.gr.  $   NokkrumerfiWleikumerbundiWaWhendareiWurllumYeimstofnunumogfyrirtkjum !W% semstundatlnastarfsemiafeinhverjumtoga.ErfarinsleiWaWtilgreinadmaskyni J""& helstulnveitendursemfrumvarpinuertlaWaWtakatilnYessY;aWgirWafyriraWaWriraW #' ilargetifalliWYarundir.BtlnastarfsemiersumumtilvikumaWeinsstunduWtilhliWarviW #( aWraatvinnustarfsemieinsograuninerhjtryggingaflgumoglfeyrissj;WumeWasemYtt $ ) urflagslegukerfihinsopinbera.EkkiYykirY;stWatilaWgeragreinarmunYrf v%N!* byrgWarmannsfyrirrttarverndYegarslkiraWilareigahluteinsogYegarumalmennar A&"+ lnastofnanirrWir.  '",   HelstaafmrkungildissviWifrumvarpsinserkominundirYvhvaWatilgangibyrgWer '#- veitt.EfbyrgWarmaWurveitirbyrgWYgueiginatvinnurekstrarerlitiWsvoaWbyrgWar (z$. maWurhafiekkiYrffyrirjafnrkaverndogkvWifrumvarpsinsmlafyrirum.XarmeW ( erY;ekkisagtaWYeirsemgangastbyrgWYgueiginatvinnurekstrarhafiekkiYrffyrir  neinavernd.ViWmatYvhvortskilyrWiWumatvinnurekstureruppfylltverWureinkumaW  ltatilYesshvortbyrgWarmaWurhafiYegiWsanngjarntendurgjaldfyriraWgangastbyrgW. a   AlmenntekkiaWskiptamlihvortlntakisemgengisterbyrgWfyrirereinstaklingur T, eWalgaWilioghvaWatilgangilnertekiW.SrstklitamlgetaY;risiWvegnatengsla  byrgWarmannsviWlntaka.XegarlntakinnerflagsembyrgWarmaWurerviWriWinngeta  komiWtilskoWunaratriWisemvarWahrifbyrgWarmannsinsinnanYessogundirmerkjum   hvaWaflagsformsYaWerrekiW.SlntakitilaWmyndaeinkahlutaflageigubyrgWarmanns  X eWasameignarflagsemhannsamtWrumerulkurYvaWhannhafiundirgengistbyrgW K #  Ygueiginatvinnurekstrar.      FrumvarpiWtekurbWitilYessYegareinstaklingurgengstpers;nulegabyrgWogYegar    hannveitirveWeignumsnumtiltryggingarefndum.Xegarumpers;nulegabyrgWrWir   standaaWmeginstefnutilallareignirviWkomanditiltryggingarefndumlnsinsenYegarveitt wO  erveWerYaWjafnantilgreindeigneWaeignir.UmsamningsveWgildasrstklg,nr.75/1997. B  Pers;nulegbyrgWgeturUmistveriWformieinfaldrarbyrgWareWasjlfskuldarbyrgWarog    mummuninnYessutvennuvsatilalmennrareglnakrfurttarins.FrumvarpiWgerirrW   fyriraWlnveitandigeribyrgWarmannilj;sthverjuYessimunurerf;lginnWurenhann {  teksthendurbyrgW. nF   @ Um3.gr.    TilaWfyrirbyggjaaWbyrgWarmaWurglatim;tbrurttigagnvartframsalshafaberlnveit  andaaWtilkynnabyrgWarmanniumframsalbyrgWareWalnssembyrgWstendurfyrir. r kvWifrumvarpsinstakatilframsalshafaeftirYvsemviW. e= @ Um4.gr.    ForsendaYessaWlnveitandigetirktskyldursnargagnvartbyrgWarmannieraWhann  hafilagtmatsittgreiWslugetulntaka.MumYettavsatilHrd.nr.163/2005.Flutnings i menntelja;YarftaWslfstumYeimviWmiWumsemleggjabertilgrundvallarviWgreiWslumat \4 endageturframkvmdYeimefnumveriWhWblbrigWummeWallnveitenda.AWalatriWiW ' eraWmatiWsforsvaranlegtogbyggistviWurkenndumviWmiWunum.BendiniWurstaWa  greiWslumatsinstilYessaWlntakigetiekkiefntskuldbindingarsnarskallnveitandimeW  skriflegumhttirWabyrgWarmannifrYvaWgangastbyrgW.Lnveitandiskaleinnig `  rWaskriflegafrbyrgWefaWstWurbyrgWarmannssjlfsgefatilefnitil.MumYettaatriWi S+! vsatild;msHrd.nr.3/2003. " @ Um5.gr.  $   GreininkveWurumupplUsingaskyldulnveitandaviWsamningsgerW.MarkmiWiWmeW !W% greininnieraWbyrgWarmaWurgerisrgreinfyrirYeirrifjrhagsleguhttusemhannundir J""& gengstsamfaraundirritunbyrgWarsamnings.UpptalninginerekkitmandiumhvaWaupp #' lUsingarYurfaaWliggjafyrirviWgerWbyrgWarsamnings.AWalatriWiWviWskUringuYvhvort #( lnveitandihafiuppfylltskyldusnaerkominundirYvhvortupplUsthafiveriWumllYau $ ) atriWisemhrifgetahafthttumatbyrgWarmanns. v%N!*   VanrkslalnveitandaviWsamningsgerWgeturleitttilYessaWbyrgWarmaWursekki A&"+ bundinnviWsamningsinn,a.m.k.ekkiefvitneskjaumatriWihefWigetaWhafthrifkvrWun  '", byrgWarmannsumaWtakasthendurbyrgW.SnnunarbyrWinumaWvanrkslahafiengin '#- hrifhaftkvrWunbyrgWarmannsumaWtakasthendurbyrgWhvlirlnveitanda. (z$. Ї@ Um6.gr. (   SamkvmtYessarigreinerYaWgildisskilyrWiaWbyrgWarsamningursskriflegur.Xar  skulukomaframYrupplUsingarsemlgufyrirviWsamningsgerWinaendaskoWastYrsem  hlutisamnings. a   0sWarimlsgreininnikemurframaWlnveitandigetiekkisvogiltsskiliWsrrtttilein T, hliWabreytingabyrgWarsamningiefYrbreytingarerubyrgWarmanni;hag.Erbyggt  YvaWbreytinglnisembyrgWertlaWaWtryggjajafngildibreytingumskilmlum  byrgWar.XettaY;ekkiviWumbreytingarvxtum,vsitlueWaWrumeWlilegumkostnaW   arliWumsemlnveitandihefurgertskUranfyrirvaraumsamningisnumviWlntaka.  X   @ Um7.gr.      0greininnierfjallaWumtilkynningaskyldulnveitandaogafleiWingarYessaWhennier    ekkisinnt.ErkveWiWumaWlnveitandaberiskyldatilaWtilkynnabyrgWarmannisvoflj;tt   semunnterviWnnargreindaraWstWur,einsogvanskillntaka,brottfalltrygginga,andlt wO  lntakaoggjaldYrotaskiptibihans.Meginsj;narmiWiWeraWlnveitanditilkynnibyrgWar B  manniumllYauatviksemhrifgetahaftforsendurbyrgWarbyrgWarmanni;hag.      LnveitandabereinnigaWtilkynnabyrgWarmanniumhverram;tumstWulnssem   hannerbyrgWumfyrir,Y.m.t.umvanskiloghversumikilYausu.Einsogframkemurtelja {  flutningsmennnauWsynlegtvegnaYeirrarYr;unarsemorWiWhefurhrlandiaWbyrgWar nF mennfia.m.k.einusinniriyfirlityfirbyrgWirsemYeirhafagengist. 9   ForsendaYessaWlnveitandigetiinnheimtdrttarvextiogannanvanskilakostnaWeraW  hannhafitilkynntbyrgWarmannimeWhfilegumfyrirvaraumvanefndirlntaka.Hugsunin  ersaWbyrgWarmaWureigiYessvalltkostaWgrpainnoggreiWagjaldfallnaafborguneins r oghnstendurgjalddaga.Samskonarhugsunkemurframlokamlsgreingreinarinnaren e= YarermltfyrirumrttarstWubyrgWarmannsviWgjaldfellingulns. 0   LnveitandibersnnunarbyrWinaumaWtilkynningarskylduhafiveriWgttendastendur  honumYaWnrenbyrgWarmanni.  @ Um8.gr. \4   0YessarigreinermltfyrirumaWekkiverWigerWaWfrfasteignbyrgWarmannssem ' hannbUreWafjlskyldahansefkrafar;tsnaaWrekjatilpers;nulegrarbyrgWar.    HeimilibyrgWarmannsogfjlskylduhanstelstsstaWurYarsemfjlskyldanhefuraW  jafnaWibkistW.0YvfelstaWheimiliWersstaWurYarsemviWkomandieinstaklingurgeymir `  YhlutisemhonumerunauWsynlegirdagsinsnnogerutilYessfallniraWhaldaeWlilegt S+! heimili.XaWmorWaYessaskilgreiningusvoaWheimilimannsssstaWurhvaWanviWkom " andigerirtsnatilveru.ViWskilgreininguorWinuheimiliYarfaWsjlfsgWuaWathugahvar # viWkomandieinstaklingurhefurskrWlgheimili,enYaWYarfY;ekkiaWverarslitaatriWi.  $ hinnb;ginntakmarkarreglanekkiaWaWfrverWigerWWrumfasteignumeWaeignum !W% byrgWarmannssemekkieruundanskildaraWfr,sbr.lgnr.90/1989,Y;svoaWaWfararheim J""& ildeigir;tsnaaWrekjatilbyrgWarsamnings.EfbyrgWarmaWurheldurtvheimiliskalekki #' gerWaWfrYeirrifasteignsemvegurYyngraheimilishaldifjlskyldunnar. #(   TilaWYvmarkmiWiverWinWaWundanYiggjaheimiliaWfrteljaflutningsmennnauWsyn $ ) legtaWlgfestaregluumaWgjaldYrotaskiptaverWiekkikrafistbibyrgWarmannsvegna v%N!* krfusemr;taWrekjatilpers;nulegrarbyrgWar.EftilgjaldYrotaskiptakemurheimili A&"+ byrgWarmannsvegnaannarrastWnanj;tabyrgWarkrfurstWusamkvmtkvWumlaga  '",  umgjaldYrotaskipti. '#-   &   MarkmiWiWmeWYessarireglueraWspornagegnYeirriYr;unaWeinstaklingarmissialger ( lega'(%Ԁf;tannasinniefnahagslegutilveruvegnaYesseinsaWYeirhafibyrgstskuldbindingar  annarrasemsWarhafifalliWY.0ngildandiaWfararlgum,nr.90/1989,ervWaaWfinna  kvWisamaefnis,Y.e.aWtiltekinverWmtiskuliundanYeginaWfr,m.a.VI.kafla.Xar a kemurm.a.fram43.gr.aWekkiskuligertfjrnmhlutumsemnauWsynlegirerutilaW T, haldaltlaustheimili.ErYaWmatflutningsmannaaWekkisveriWaWvegaaWmeginreglunni  umsamningsfrelsiendamunueinstaklingarframsemhingaWtilgetaveWsetttilgreindareig  ursnareinsogsamningartakastum.   @ Um9.gr. K #    HrerskUrtkveWiWumaWlnveitandieigiekkiaWgetafengiWlnsitttvgreittvegnatil    vistarbyrgWarmanns.HrerskrskotaWtilYeirrarYr;unarsemtthefursrstaWannarsstaW    araWlnveitendurgetakeyptsrgreiWslufallstrygginguvegnahugsanlegravanefndalntaka.     byrgWYvaWkrfuslUstbYrotamannseralfariWherWumlnveitandaoghannber wO  hallannafYvvanrkihannaWlUsakrfusinnibiW. B    GerilnveitandisamningviWlntakaumaWhanngreiWiaWeinshlutalnshefurslkur    samningursamskonarhrifgagnvartbyrgWarmanni.byrgWarmaWurbyrgistaWeinsln   lntakaeinsogYaWstendurhverjusinnigagnvartlnveitandaYannigaWbyrgWarmaWurverW {  urekkis;ttursrstaklegavegnagreiWslnasemfelldareruniWursamningilnveitandaog nF lntaka. 9 @uuUm10.gr.    Lj;steraWbyrgWarmaWurgeturaldreiorWiWbyrgurhafilntakialdreiorWiWskuldbund r innsamkvmtlnssamningi.SemdmiumslktmnefnaaWgetilntakiekkiskuldbundiW e= sigvegnalgrWisskortsverWurbyrgWarmaWurekkibundinnafbyrgWsinni. 0   EflnveitandisamYykkireinhliWabreytingarWrumtryggingarrWstfunumsemgera  stWubyrgWarmannsverrienellaerhannekkilengurbundinnafbyrgWarsamningi.EfaWrar  jafng;WartryggingarerusettarstaWYeirratryggingasemfyrirerumtlaaWstaWabyrgW i armannsverWiekkiverrienella. \4   VeitilnveitandilntakaeinhliWagreiWslufrestgjalddagaoghannreynist;gjaldfrYeg ' arkemuraWnUjumgjalddagaerbyrgWarmaWurekkibundinnafbyrgWarsamningivegna  YeirrargreiWslunemalnveitandigetisUntframaWgjaldfresturinnhafiekkihafthrif  greiWslugetulntakaupphaflegumgjalddaga. `  @}}Um11.og12.gr. "   GreinarnarYarfnastekkiskUringaaWWruleytienYvaWtengslumviWsWarnefndugrein # inaermiWaWviWaWfrumvarpiWtakitilsamningaumbyrgWirsemgerWirerufrogmeW  $ gildistku.