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Y?PFrumvarptillaga/#?PYh#  XX?PumbreytinguUmsumlgumervarWa_fjrmlamarkaWinn_.#?PXX#?P?P    ? e =(LagtfyrirAlYingi136.lggjafarYingi2008!2009.) ?    w O   ?U?' b dE" ? w O      I.KAFLI    Breytinglgumumfjrmlafyrirtki,nr.161/2002, {  meWsWaribreytingum.  nF  1.gr. 9    eftir111.gr.lagannakemurnUgrein,111.gr.a,svohlj;Wandi:     FjrmlaeftirlitinuerheimiltaWfallafr_stj;rnvaldssektarkvrWun_ԀhendurlgaWilaeWa  einstaklingiefviWkomandiaWilierfyrsturtilaWltaFjrmlaeftirlitinutupplUsingareWa r ggnvegnabrotaervarWaWgetastj;rnvaldssektumskv.110.gr.efupplUsingarnareWaggn e= ingetaaWmatieftirlitsinsleitttilranns;knareWasnnunarbroti,aWuppfylltumnnariskil 0 yrWumerFjrmlaeftirlitiWkveWurumreglum.    FjrmlaeftirlitinuereinnigheimiltaWlkkastj;rnvaldssektirhendurlgaWilaeWa  einstaklingiefviWkomandihefurhaftfrumkvWiaWYvaWltaeftirlitinutupplUsingareWa i ggnvegnabrotaervarWaWgetastj;rnvaldssektumskv.110.gr.teljiFjrmlaeftirlitiWaW \4 upplUsingarnareWaggninsumikilvgviWb;tviWYausnnunarggnsemYaWhefurYegar ' f;rumsnum,aWuppfylltumnnariskilyrWumerFjrmlaeftirlitiWkveWurumreglum.  @==!2.gr. `   eftir2.mgr.112.gr.dlagannakemurnUmlsgrein,svohlj;Wandi: S+   XrttfyrirkvWi2.mgr.erFjrmlaeftirlitinuheimiltaWkrabrotekkitillgregluhafi   fyrirtkieWaeinstaklingurhaftfrumkvWiaWYvaWltaeftirlitinutupplUsingareWaggn ! vegnabrotaervarWaWgetasektumeWafangelsiskv.112.gr.bteljiFjrmlaeftirlitiWaWupp " lUsingarnareWaggningetileitttilranns;knareWasnnunarbrotieWasumikilvgviWb;t W# viWYausnnunarggnsemYaWhefurYegarf;rumsnum,aWuppfylltumnnariskilyrWum J "$ semFjrmlaeftirlitiWkveWurumreglum. !% Ѐ  II.KAFLI "'  BreytinglgumumverWbrfaviWskipti,nr.108/2007, v#N( meWsWaribreytingum.  A$ ) @==!3.gr.  % *   eftir142.gr.lagannakemurnUgrein,142.gr.a,svohlj;Wandi: %!+   FjrmlaeftirlitinuerheimiltaWfallafr_stj;rnvaldssektarkvrWun_ԀhendurlgaWilaeWa &z",  einstaklingiefviWkomandiaWilierfyrsturtilaWltaFjrmlaeftirlitinutupplUsingareWa m'E#- _ggnvegnabrotaervarWaWgetastj;rnvaldssektum&   skv.141.gr.efupplUsingarnareWaggn ( ingetaaWmatieftirlitsinsleitttilranns;knareWa'(Ԁsnnunarbroti,aWuppfylltumnnari  skilyrWumerFjrmlaeftirlitiWkveWurumreglum.    FjrmlaeftirlitinuereinnigheimiltaWlkkastj;rnvaldssektirhendurlgaWilaeWaein a staklingiefviWkomandihefurhaftfrumkvWiaWYvaWltaeftirlitinutupplUsingareWa T, ggnvegnabrotaervarWaWgetastj;rnvaldssektumskv.141.gr.teljiFjrmlaeftirlitiWaW  upplUsingarnareWaggninsumikilvgviWb;tviWYausnnunarggnsemYaWhefurYegar  f;rumsnum,aWuppfylltumnnariskilyrWumerFjrmlaeftirlitiWkveWurumreglum.   @==!4.gr. K #    eftir2.mgr.148.gr.lagannakemurnUmlsgrein,svohlj;Wandi:      XrttfyrirkvWi2.mgr.erFjrmlaeftirlitinuheimiltaWkrabrotekkitillgregluhafi    fyrirtkieWaeinstaklingurhaftfrumkvWiaWYvaWltaeftirlitinutupplUsingareWaggn   vegnabrotaervarWaWgetasektumeWafangelsiskv.145.gr.teljiFjrmlaeftirlitiWaWupp wO  lUsingarnareWaggningetileitttilranns;knareWasnnunarbrotieWasumikilvgviWb;t B  aWmatieftirlitsinsviWYausnnunarggnsemYaWhefurYegarf;rumsnum,aWuppfylltum    nnariskilyrWumsemFjrmlaeftirlitiWkveWurumreglum.     III.KAFLI nF  BreytinglgumumverWbrfasj;Wiogfjrfestingarsj;Wi,nr.30/2003, 9 meWsWaribreytingum.   5.gr.    eftir69.gr.lagannakemurnUgrein,69.gr.a,svohlj;Wandi: r   FjrmlaeftirlitinuerheimiltaWfallafr_stj;rnvaldssektarkvrWun_ԀhendurlgaWilaeWa e= einstaklingiefviWkomandiaWilierfyrsturtilaWltaFjrmlaeftirlitinutupplUsingareWa 0 ggnvegnabrotaervarWaWgetastj;rnvaldssektumskv.68.gr.efupplUsingarnareWaggnin  getaaWmatieftirlitsinsleitttilranns;knareWasnnunarbroti,aWuppfylltumnnariskil  yrWumerFjrmlaeftirlitiWkveWurumreglum. i   FjrmlaeftirlitinuereinnigheimiltaWlkkastj;rnvaldssektirhendurlgaWilaeWaein \4 staklingiefviWkomandihefurhaftfrumkvWiaWYvaWltaeftirlitinutupplUsingareWa ' ggnvegnabrotaervarWaWgetastj;rnvaldssektumskv.68.gr.teljiFjrmlaeftirlitiWaWupp  lUsingarnareWaggninsumikilvgviWb;tviWYausnnunarggnsemYaWhefurYegar  f;rumsnum,aWuppfylltumnnariskilyrWumerFjrmlaeftirlitiWkveWurumreglum. `  @==!6.gr. "   eftir2.mgr.70.gr.dlagannakemurnUmlsgrein,svohlj;Wandi: #   XrttfyrirkvWi2.mgr.erFjrmlaeftirlitinuheimiltaWkrabrotekkitillgregluhafi  $ fyrirtkieWaeinstaklingurhaftfrumkvWiaWYvaWltaeftirlitinutupplUsingareWaggn !W% vegnabrotaervarWaWgetasektumeWafangelsiskv.70.gr.bteljiFjrmlaeftirlitiWaWupp J""& lUsingarnareWaggningetileitttilranns;knareWasnnunarbrotieWasumikilvgviWb;t #' aWmatieftirlitsinsviWYausnnunarggnsemYaWhefurYegarf;rumsnum,aWuppfylltum #( nnariskilyrWumsemFjrmlaeftirlitiWkveWurumreglum. $ )   v%N!*   &   _IV_.KAFLI ( 1&   Breytinglgumumvtryggingastarfsemi,nr.60/1994,  meWsWaribreytingum.   &@==!7.gr. a   eftir99.gr.alagannakemurnUgrein,99.gr.b,svohlj;Wandi,ogbreytistrWannarra T, greinasamkvmtYv:    FjrmlaeftirlitinuerheimiltaWfal'(=&lafr_stj;rnvaldssektarkvrWun_ԀhendurlgaWilaeWa  einstaklingiefviWkomandiaWilierfyrsturtilaWltaFjrmlaeftirlitinutupplUsingareWa   ggnvegnabrotaervarWaWgetastj;rnvaldssektumskv.99.gr.efupplUsingarnareWaggnin  X getaaWmatieftirlitsinsleitttilranns;knareWasnnunarbroti,aWuppfylltumnnariskil K #  yrWumerFjrmlaeftirlitiWkveWurumreglum.      FjrmlaeftirlitinuereinnigheimiltaWlkkastj;rnvaldssektirhendurlgaWilaeWaein    staklingiefviWkomandihefurhaftfrumkvWiaWYvaWltaeftirlitinutupplUsingareWa   ggnvegnabrotaervarWaWgetastj;rnvaldssektumskv.99.gr.teljiFjrmlaeftirlitiWaWupp wO  lUsingarnareWaggninsumikilvgviWb;tviWYausnnunarggnsemYaWhefurYegar B  f;rumsnum,aWuppfylltumnnariskilyrWumerFjrmlaeftirlitiWkveWurumreglum.    @==!8.gr. {    eftir2.mgr.99.gr.flaganna,semverWur99.gr.g,kemurnUmlsgrein,svohlj;Wandi: nF   XrttfyrirkvWi2.mgr.erFjrmlaeftirlitinuheimiltaWkrabrotekkitillgregluhafi 9 einstaklingureWafyrirtkihaftfrumkvWiaWYvaWltaeftirlitinutupplUsingareWaggn  vegnabrotaervarWaWgetasektumeWafangelsiskv.99.gr.eteljiFjrmlaeftirlitiWaWupp  lUsingarnareWaggningetileitttilranns;knareWasnnunarbrotieWasumikilvgviWb;t r aWmatieftirlitsinsviWYausnnunarggnsemYaWhefurYegarf;rumsnum,aWuppfylltum e= nnariskilyrWumsemFjrmlaeftirlitiWkveWurumreglum. 0   V.KAFLI   BreytinglgumummiWlunvtrygginga,nr.32/2005, i meWsWaribreytingum.  \4 9.gr. ' 0  eftir62.gr.alagannakemurnUgrein,62.gr.b,svohlj;Wandi,ogbreytistrWannarra  greinasamkvmtYv:    FjrmlaeftirlitinuerheimiltaWfallafr_stj;rnvaldssektarkvrWun_ԀhendurlgaWilaeWa `  einstaklingiefviWkomandia_Wili_ԀerfyrsturtilaWltaFjrmlaeftirlitinutupplUsingareWa S+! ggnvegnabrotaervarWaWgetastj;rnvaldssektumskv.62.gr.efupplUsingarnareWaggnin " getaaWmatieftirlitsinsleitttilranns;knareWasnnunarbroti,aWuppfylltumnnariskil # yrWumerFjrmlaeftirlitiWkveWurumreglum.  $   FjrmlaeftirlitinuereinnigheimiltaWlkkastj;rnvaldssektirhendurlgaWilaeWa !W% einstaklingiefviWkomandihefurhaftfrumkvWiaWYvaWltaeftirlitinutupplUsingareWa J""& ggnvegnabrotaervarWaWgetastj;rnvaldssektumskv.62.gr.teljiFjrmlaeftirlitiWaW #' upplUsingarnareWaggninsumikilvgviWb;tviWYausnnunarggnsemYaWhefurYegar #( f;rumsnum,aWuppfylltumnnariskilyrWumerFjrmlaeftirlitiWkveWurumreglum. $ )   v%N!* @!& ,  10.gr. (   eftir2.mgr.62.gr.flaganna,semverWur62.gr.g,kemurnUmlsgrein,svohlj;Wandi:    XrttfyrirkvWi2.mgr.erFjrmlaeftirlitinuheimiltaWkrabrotekkitillgregluhafi  einstaklingureWafyrirtkihaftfrumkvWi',(7ԀaWYvaWltaeftirlitinutupplUsingareWaggn a vegnabrotaervarWaWgeta&  sektumeWafangelsiskv.62.gr.eteljiFjrmlaeftirlitiWaWupp T, lUsingarnareWaggningeti'T9Ԁleitttilranns;knareWasnnunarbrotieWasumikilvgviWb;t  aWmatieftirlitsinsviWYausnnunarggnsemYaWhefurYegarf;rumsnum,aWuppfylltum  nnariskilyrWumsemFjrmlaeftirlitiWkveWurumreglum.     _VI_.KAFLI K #   BreytinglgumumrafrnaeignarskrninguverWbrfa,nr.131/1997,    meWsWaribreytingum.     11.gr.   ;  eftir34.gr.alagannakemurnUgrein,34.gr.b,svohlj;Wandi,ogbreytistrWannarra wO  greinasamkvmtYv: B    FjrmlaeftirlitinuerheimiltaWfallafr_stj;rnvaldssektarkvrWun_ԀhendurlgaWilaeWa    einstaklingiefviWkomandiaWilierfyrsturtilaWltaFjrmlaeftirlitinutupplUsingareWa   ggnvegnabrotaervarWaWgetastj;rnvaldssektumskv.34.gr.efupplUsingarnareWaggnin {  getaaWmatieftirlitsinsleitttilranns;knareWasnnunarbroti,aWuppfylltumnnari nF skilyrWumerFjrmlaeftirlitiWkveWurumreglum. 9   FjrmlaeftirlitinuereinnigheimiltaWlkkastj;rnvaldssektirhendurlgaWilaeWa  einstaklingiefviWkomandihefurhaftfrumkvWiaWYvaWltaeftirlitinutupplUsingareWa  ggnvegnabrotaervarWaWgetastj;rnvaldssektumskv.34.gr.teljiFjrmlaeftirlitiWaWupp r lUsingarnareWaggninsumikilvgviWb;tviWYausnnunarggnsemYaWhefurYegar e= f;rumsnum,aWuppfylltumnnariskilyrWumerFjrmlaeftirlitiWkveWurumreglum. 0 @!12.gr.    eftir2.mgr.34.gr.flaganna,semverWur34.gr.g,kemurnUmlsgrein,svohlj;Wandi: i   XrttfyrirkvWi2.mgr.erFjrmlaeftirlitinuheimiltaWkrabrotekkitillgregluhafi \4 einstaklingureWalgaWilihaftfrumkvWiaWYvaWltaeftirlitinutupplUsingareWaggn ' vegnabrotaervarWaWgetasektumeWafangelsiskv.34.gr.eteljiFjrmlaeftirlitiWaWupp  lUsingarnareWaggningetileitttilranns;knareWasnnunarbrotieWasumikilvgviWb;t  aWmatieftirlitsinsviWYausnnunarggnsemYaWhefurYegarf;rumsnum,aWuppfylltum `  nnariskilyrWumsemFjrmlaeftirlitiWkveWurumreglum. S+!   _VII_.KAFLI #  Breytinglgumumkauphallir,nr.110/2007,meWsWaribreytingum.   $ 13.gr. !W% NF  eftir34.gr.lagannakemurnUgrein,34.gr.a,svohlj;Wandi: J""&   FjrmlaeftirlitinuerheimiltaWfallafr_stj;rnvaldssektarkvrWun_ԀhendurlgaWilaeWa #' einstaklingiefviWkomandiaWilierfyrsturtilaWltaFjrmlaeftirlitinutupplUsingareWa #( ggnvegnabrotaervarWaWgetastj;rnvaldssektumskv.33.gr.efupplUsingarnareWaggnin $ ) getaaWmatieftirlitsinsleitttilranns;knareWasnnunarbroti,aWuppfylltumnnariskil v%N!* yrWumerFjrmlaeftirlitiWkveWurumreglum. A&"+   FjrmlaeftirlitinuereinnigheimiltaWlkkastj;rnvaldssektirhendurlgaWilaeWaein  '", staklingiefviWkomandihefurhaftfrumkvWiaWYvaWltaeftirlitinutupplUsingareWa '#- ggnvegnabrotaervarWaWgetastj;rnvaldssektumskv.33.gr.teljiFjrmlaeftirlitiWaWupp ( lUsingarnareWaggninsumikilvgviWb;tviWYausnnunarggnsemYaWhefurYegar  f;rumsnum,aWuppfylltumnnariskilyrWumerFjrmlaeftirlitiWkveWurumreglum.  @!& a 14.gr. T,   eftir2.mgr.39.gr.lagannakemurnUmlsgrein,svohlj;Wandi:    XrttfyrirkvWi2.mgr.erFjrmlaeftirlitinu'aTLheimiltaWkrabrotekkitillgregluhafi  einstaklingureWalgaWilihaftfrumkvWiaWYvaWltaeftirlitinutupplUsingareWaggn   vegnabrotaervarWaWgetasektumeWafangelsiskv.37.gr.teljiFjrmlaeftirlitiWaWupp  X lUsingarnareWaggningetileitttilranns;knareWasnnunarbrotieWasumikilvgviWb;t K #  aWmatieftirlitsinsviWYausnnunarggnsemYaWhefurYegarf;rumsnum,aWuppfylltum    nnariskilyrWumsemFjrmlaeftirlitiWkveWurumreglum.      _VIII_.KAFLI wO   BreytinglgumumopinberteftirlitmeWfjrmlastarfsemi,nr.87/1998, B  meWsWaribreytingum.     15.gr.   bP  eftir1.mgr.12.gr.lagannakemurnUmlsgrein,svohlj;Wandi: {    grundvelliheimildasrlgumerFjrmlaeftirlitinuheimiltaWkrabrotekkitillg nF regluYegareftirlitiWveitireinstaklingieWalgaWilaniWurfellingusamrmiviWkvWiviW 9 komandilaga.  @!16.gr. r   LgYessiWlastYegargildi. e= @ #dggAthugasemdirviWlagafrumvarpYetta.#ggdSԈ    MeWfrumvarpiYessuerugerWartillguraWbreytingumnokkrumlgumervarWa_fjr  mlamarkaWinn_ԀoglagttilaWbttverWiviWkvWumumniWurfellingu.MeWniWurfellingu i erttviWaWviWurlgerumilduWeWafelldniWuraWfulluYegarlgaWilieWaeinstaklingur \4 kemursjlfviljugurfram,jtarbrotgegnlgumogvinnurmeWeftirlitsaWilaviWranns;kn ' mlsins.ReglumsemYessumhefurhingaWtilveriWbeittmeWg;WumrangrisviWi_sam  keppnisrttar_ԀogYrveriWtaldarmjgmikilvgarYvskyniaWupplUsaum;lgmtt  samrW._NiWurfellingarreglur_Ԁ_samkeppnisrtti_ԀvorufyrstsettarBandarkjunumriW1978, `  Evr;pusambandiWt;kuppslkarreglurriW1993ogkjlfariWhafafjlmrgrkitekiWupp S+! slkarreglur_samkeppnislggjf_Ԁsna,m.a.0sland.Xerlgumnr.135/2008,umembtti " srstakssaks;knara,aWfinnakvWiumniWurfellinguviWtilteknaraWstWuren_niWurfell # ingarkvWi_Ԁsamkeppnislagaoglagaumsrstakansaks;knaraeru_reifuW_ԀhraWaftan.  $   HvaWvarWar_niWurfellingarreglur_ԀfjrmlamarkaWihafaekkifundistneinfordmifyrir !W% slkumreglumerlendis.XaWerhinsvegarafarmikilvgtaWlgaWilarfjrmlamarkaWifari J""& aWsettumreglumogaWuppkomistumbrotkvWumlagasemallrafyrstendaoftum #' miklahagsmuniaWrWa.XrttfyriraWaWstWursumeWnokkuWWrumhttien_sam #( keppnisrtti_ԀverWuraWteljalklegtaWtilvist_niWurfellingarreglna_ԀlggjffjrmlamarkaWi $ ) virkihvetjandifyrirlgaWilaogeinstaklingaYannigaWYeirgefisigfrekarframtilaWupplUsa v%N!* umbrot.XaWerYvtilefnitilaWltaYaWreynahvort_niWurfellingarreglur_ԀgetiorWiWtilYess A&"+ aWbrotkvWumlagaum_fjrmlamarkaWinn_ԀupplUsistfyrrogbetur.  '",  '#-  _NiWurfellingarreglur_Ԁsamkeppnislaga.  (   KveWiWerumniWurfellingubWitilhandafyrirtkjumogeinstaklingumsamkeppnis  lgum,nr.44/2005(_skl_.).BrotfyrirtkjakvWumsamkeppnislagaum;lgmttsamrW  varWastj;rnvaldssektumenbroteinstaklingavarWa_refsisektum_ԀeWafangelsi.Skv.37.gr._skl_. a leggur_SamkeppniseftirlitiW_Ԁstj;rnvaldssektirfyrirtkieWasamtkfyrirtkjaerbrotiWhafa T, gegn10.eWa12.gr._skl_.um;lgmttsamrW.03.mgr.smugreinarerkveWiWumheim  ildirSamkeppniseftirlitsinstilaWlkkasektireffyrirtkihefurfrumkvWiaWYvaWlta  eftirlitinutupplUsingareWaggnvegnabrotagegn10.eWa12.gr.semaWmatieftirlitsins   erumikilvgviWb;tviWYausnnunarggnsemYaWhefurYegarf;rumsnum.Skv.4.mgr.  X 37.gr.getur_SamkeppniseftirlitiW_ԀfalliWfrsektarkvrWunhafifyrirtkiveriWfyrsttilaWlta K #  _Samkeppniseftirlitinu_ԀtupplUsingareWaggnvegnabrotagegn10.og12.gr.semaWmati    eftirlitsinsgetaleitttilranns;knareWasnnunarbroti,aWuppfylltumnnariskilyrWumsem    _SamkeppniseftirlitiW_Ԁmlirfyrirumreglum.     Samkvmt41.gr.a_skl_.skalhverstarfsmaWureWastj;rnarmaWurfyrirtkiseWasamtaka wO  fyrirtkjasemframkvmir,hveturtileWalturframkvmasamrWsembrUturgegn10.og B  12.gr.stasektumeWafangelsialltaWsexrum.01.mgr.42.gr.ersWantekiWframaWbrot    gegnlgunumstieingnguranns;knlgregluaWundangenginnikruSamkeppniseftir   litsins.Skv.3.mgr.smugreinargetur_SamkeppniseftirlitiW_ԀkveWiWaWkraekkieinstakling {  hafihann,eWafyrirtkisemhannstarfarhjeWaerstj;rnhj,haftfrumkvWiaWYvaWlta nF _Samkeppniseftirlitinu_ԀtupplUsingareWaggnvegnabrotagegn10.eWa12.gr.semleitt 9 getatilranns;knareWasnnunarbrotieWaerumikilvgviWb;taWmatieftirlitsinsviWYau  snnunarggnsemYaWhefurYegarf;rumsnum,endasunnariskilyrWiuppfylltsem  _SamkeppniseftirlitiW_Ԁmlirfyrirumreglum. r   HvaWvarWarfyrirtkierYvbWiumaWrWalkkunsektaogalgjraniWurfellinguen e= hjeinstaklingumerrauneingnguumalgjraniWurfellinguaWrWa.AnnaWvri;eWlilegt 0 miWaWviWYaWhverniglgineruuppsettendageturstj;rnvald,Yessutilfelli_Samkeppnis  eftirlitiW_,ekkibundiWhendurkruvaldseWad;mst;laviWkvrWunummlshfWuneWa  kvrWunumviWurlg.EinsogsjmumfjllunhraWaftanerekkigerWursamigreinar i munureinstaklingumogfyrirtkjumlgumum_fjrmlamarkaWinn_ԀogYvtilefnitilaW \4 kveWabWiumalgjraniWurfellingufyrireinstaklingasemogniWurfellinguaWhluta. '  _NiWurfellingarreglur_Ԁlgumumsrstakansaks;knara.     Samkvmt1.mgr.5.gr.lagaumnr.135/2008,umembttisrstakssaks;knara,errkis `  saks;knaraheimiltaWkveWaaWssemhefurfrumkvWiaWYvaWbj;WaeWaltalgreglu S+! eWasaks;knaratupplUsingareWaggnstiekkikruY;ttupplUsingarnareWaggnin " leiWilkuraWbrotihanssjlfs.kvWi2.mgr.smugreinarkveWursvoumaWskilyrWi # niWurfellingarsaWupplUsingarnareWaggningetileitttilranns;knareWasnnunarbroti  $ eWasumikilvgviWb;tviWfyrirliggjandisnnunarggn.XerYaWeinnigskilyrWiaWrk !W% studdurgrunursumaWupplUsingarnareWaggnintengistalvarlegubroti,fyrirsWsaWsk J""& YesssemlturslkttsmunminnienskYesseWaYeirrasemggnineWaupplUsingarnar #' beinastgegnogstWastilYessaWtlaaWnYeirramunireynasttorveltaWfraframfull #( ngjandisnnurfyrirbroti.SkilyrWiniWurfellingarlgumumsrstakansaks;knaraeruYv $ ) munstrangariensamkeppnislgumogstrangarienYauskilyrWi_niWurfellingarreglna_Ԁsem v%N!* lgWerutilaWgildifjrmlamarkaWisamkvmtfrumvarpiYessu. A&"+    '", _ & ,  ViWurlagakvWilagaumfjrmlafyrirtki,lagaumverWbrfaviWskipti,lagaumverW ( brfasj;Wiogfjrfestingarsj;Wi,lagaumvtryggingastarfsemi,lagaummiWlunvtrygg  inga,lagaumrafrnaeignarskrninguverWbrfaoglagaumkauphallir.   ',(u  ViWbrotumlgumumfjrmlafyrirtki,lgumumverWbrfaviWskipti,lgumumverW a brfasj;Wiogfjrfestingarsj;Wi,lgumumvtryggingastarfsemi,lgumummiWlunvtrygg T, inga,lgumumrafrnaeignarskrninguverWbrfaoglgumumkauphallirliggjaannars  vegarstj;rnvaldssektiroghinsvegarrefsisektireWafangelsi.LginskilgreinahvaWabrot  getavarWaWstj;rnvaldssektumoghvaWabrotgetavarWaWrefsisektumeWafangelsi.Hins   vegarerekkigerWurgreinarmunurlgaWilumogeinstaklingumYegarkemuraWtegund  X viWurlagalktoggertersamkeppnislgum.ViWurlagakvWilagannaerusettuppmeWsama K #  httiogYverhrfjallaWumYausaman.      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'   MeW3.gr.frumvarpsinserlagttilaWsamskonarkvWiverWisettlgumverWbrfa  viWskiptioglagtertilaWsettverWilgumfjrmlafyrirtki,sbr.1.gr.frumvarpsins.  @ Um4.gr. S+!   MeW4.gr.frumvarpsinserlagttilaWsamskonarkvWiverWisettlgumverWbrfa " viWskiptioglagtertilaWsettverWilgumfjrmlafyrirtki,sbr.2.gr.frumvarpsins. # @ Um5.gr. !W%   MeW5.gr.frumvarpsinserlagttilaWsamskonarkvWiverWisettlgumverWbrfasj;Wi J""& ogfjrfestingarsj;WioglagtertilaWsettverWilgumfjrmlafyrirtkioglgumverW #' brfaviWskipti,sbr.1.og3.gr.frumvarpsins. #( @ Um6.gr. v%N!*   MeW6.gr.frumvarpsinserlagttilaWsamskonarkvWiverWisettlgumverWbrfasj;Wi A&"+ ogfjrfestingarsj;WioglagtertilaWsettverWilgumfjrmlafyrirtkioglgumverW  '", brfaviWskipti,sbr.2.og4.gr._frumvarpsins. '#- Ї@ &  Um7.gr. (   MeW7.gr.frumvarpsinserlagttilaWsams'(ԀkonarkvWiverWisettlgumvtrygginga  starfsemioglagtertilaWsettverWilgumfjrmlafyrirtki,lgumverWbrfaviWskiptiog  lgumverWbrfasj;Wiogfjrfestingarsj;Wi,sbr.1.,3.og5.gr.frumvarpsins. a @ & , Um8.gr.    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"   MeW13.gr.frumvarpsinserlagttilaWsamskonarkvWiverWisettlgumkauphallir # oglagtertilaWsettverWilgumfjrmlafyrirtki,lgumverWbrfaviWskipti,lgum  $ verWbrfasj;Wiogfjrfestingarsj;Wi,lgumvtryggingastarfsemi,lgummiWlunvtrygg !W% ingaoglgumrafrnaeignarskrninguverWbrfa,sbr.1.,3.,5.,7.,9.og11.gr.frum J""& varpsins. #' @ttUm14.gr. $ )   MeW14.gr.frumvarpsinserlagttilaWsamskonarkvWiverWisettlgumkauphallir v%N!* oglagtertilaWsettverWilgumfjrmlafyrirtki,lgumverWbrfaviWskipti,lgum A&"+  verWbrfasj;Wiogfjrfestingarsj;Wi,lgumvtryggingastarfsemi,lgummiWlunvtrygg  '", ingaoglgumrafrnaeignarskrninguverWbrfa,&   sbr.2.,4.og6.,8.,10.og12.gr.frum ( varpsins.'(  @tt& , Um15.gr. a   LagtertilaWvsaWverWitilYesslgumumopinberteftirlitmeWfjrmlastarfsemiaW T, FjrmlaeftirlitiWhafiheimildirsrlgumtilYessaWkramlekkitillgregluhafieftirlitiW  kveWiWaWveitaaWilaniWurfellingusamrmiviWkvWiviWkomandilaga.',/  @ttUm16.gr.  X   GreininYarfnastekkifrekariskUringa. 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