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EflnveitandieWaYriWjiaWiliveitirviWb;tar   Yj;nustutengslumviWlnssamninginngrundvelli h  samningsYriWjaaWilaoglnveitandansskalneyt I  andinnekkilengurverabundinnafsamningium   viWb;tarYj;nustuefhannnUtirrttsinntilaWfalla x  frlnssamningisamrmiviWYessagrein. Y(  5.  EfneytandinnrttYvaWfallafrsamningi m< skv.1.,3.og4.mgr.skulu6.og7.gr.tilskipunar  2002/65/EBog5.gr.tilskipunarrWsins  85/577/EBEfr20.desember1985,umaWvernda }L neytendurYegarsamningarerugerWirutanfastra - starfsstWva(] #  1      ),ekkigilda.  6.  AWildarrkingetakveWiWumaW1.!4.mgr.  Yessarargreinarskuliekkigildaumlnssamninga p YarsemYesserkrafist,lgumsamkvmt,aWYeir Q  sugerWirmeWaWstoWlgb;kanda,aWYvtilskildu  aWlgb;kandinnstaWfestiaWneytandanums  tryggWursrttursemkveWiWerum5.og10.gr. a0 7.  XessigreinermeWfyrirvaraumreglurlands uD lgumsemYarsemkveWiWeraWekkimegi %  framfylgjasamningnumfyrreneftirkveWinntma. !   15.gr. "  Tengdirlnssamningar #  k#1.  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J NeytandinnskaleigarttYv,hvenrsemer, a0 : aWgeraupp,aWlluleytieWaaWhlutatil,skuldbind  ; ingarsnarsamkvmtlnssamningi.0slkumtilvik  < umskalhanneigarttYvaWheildarlntku q@ = kostnaWurslkkaWurefslklkkunervegnavaxta ! > ogkostnaWarYaWsemeftirerafsamningstmabilinu. ? 2. J XegarumeraWrWagreiWslufyrirgjalddagaaf @ lniskallnveitandieigarttYvfsanngjarnar dA btursemerurkstuddarhlutlganhttvegna EB kostnaWarsemkannaWhafaveriWgreiddurog C tengistbeintgreiWsluaflnifyrirgjalddaga,aWYv tD tilskilduaWgreiWslanfyrirgjalddagafalliinnan U$E tmabilsmeWfstumtlnsvxtum. F Slkarbturmegaekkifarayfir1%affjrhWlns G insYarsemgreiWslafyrirgjalddagaernotuW,ef H lengritmieneittrlWurmilligreiWslufyrir yHI gjalddagaogsamYykktraruppsagnar )J lnssamningsins.EfekkilWurlengritmieneittr K megabturnarekkifarayfir0,5%affjrhW XL lnsinsYarsemgreiWslafyrirgjalddagaernotuW. 9M 3. J Ekkiskalkrefjastb;tavegnagreiWslufyrir MN gjalddaga: O a)0 J efgreiWslanhefurttsrstaWsamkvmttrygg  P ingarsamningisemertlaWaWtryggjagreiWslu  Q lnsins,q!@RJJ b)0 J YegarumeraWrWayfirdrttarheimildeWa"TSJJ c)0 J efgreiWslanferframtmabiliYarsemtlns #hT vextireruekkifastir.I$ UJJ 4. J AWildarrkingetakveWiWumaW: ]%,!V a)0 J lnveitandigetiaWeinskrafistslkrab;tameW q&@"W YvskilyrWiaWfjrhWgreiWslufyrirgjalddaga !'"X fariyfirmrkinsemeruskilgreindlandslgum. '#Y Xaumrkskuluekkifarayfir10000evrur12$(P$ZJJ $mnaWatmabili,1 b)0  lnveitandigeturundantekningartilvikumkraf E isthrrib;taefhanngeturfrtsnnuraWYaW  tapsemhannvarWfyrirvegnagreiWslufyrir t gjalddagasmeiraensemnemurfjrhWinni U$ semerkveWin2.mgr. 0  Efbturnarsemlnveitandikrefsteruumfram   YaWtapsemhannhefurorWiWfyrirreyndgetur   neytandinnkrafistsamsvarandilkkunarb;t y H anna.)   0  0YvtilvikiskaltapiWteljastveramunurinn =   upphaflegasamYykktumvxtumogYeimvxt    umsemlnveitandinngeturfengiWviWtln  l  fjrhWarsemergreiddfyrirgjalddagamark M  aWnumYeimtmaYegargreiWslanfyrir   gjalddagasrstaWogtakaskaltillittilhrifa |  greiWslufyrirgjalddagaumsUslukostnaW.],  5.  BturskuluekkifarayfirYvaxtafjrhWsem q@  neytandinnmyndihafagreitttmabilinufr !  greiWslufyrirgjalddagaogtilsamYykktrardagsetn  ingarfyriruppsgnlnssamningsins. P   17.gr. d  Framsalrttar x  :1.  EflnveitandiframselurkrfurttsinntilYriWja  aWilasamkvmtlnssamningi,eWasamninginn m< sjlfan,skalneytandinneigarttYvaWhaldauppi  smum;tbrumgegnYeimsemafsalaWertil,sem  hanngatnUttsrgagnvartupphaflegumlnveitanda, }L Y.m.t.rtturtiljfnunarYegarYaWerheimilaWviW - komandiaWildarrki.  2.  NeytandinnskalupplUsturumframsaliWsemum  getur1.mgr.nemaYegarupphaflegurlnveitandi p heldurframlnsYj;nustusinniviWneytandannmeW Q   samkomulagiviWframsalshafa. !   18.gr. "  Yfirdrttur  ) # =1.  XegarumeraWrWasamningumaWopnatkka =! $ reikningYarsemmguleikierYvaWneytandas !% veittheimildtilyfirdrttarskuluaukYessvera "l& samningnumupplUsingarnarsemumgetureliW1. M#' mgr.6.gr.Lnveitandinnskalllumtilvikumveita #( YrupplUsingarreglulegapappreWameWWrum $| ) varanlegummiWli. ]%,!* 2.  SumveruleganyfirdrttaWrWameiraen q&@"+ einnmnuWskallnveitandinnYegarstaWveita !'", neytandanumupplUsingar,pappreWameWWrum '#- varanlegummiWli,um (P$. a)0 J yfirdrttinn,1.JJ b)0 J fjrhWinasemumeraWrWa,E/JJ c)0 J tlnsvexti,Y(0JJ d)0 J hverskonarviWurlg,drttarvextieWannur m<1 gjldvegna;greiddraskulda.2JJ 3. J XessigreinhefurekkihriflandslgYarsem 1 3 YesserkrafistaWlnveitandinnbj;Wiframannars  4 konartlnamiWlaYegaryfirdrtturhefurttsrstaW  `5 alllangantma. A 6   V.KAFLI U $7  RLEGHLUTFALLSTALAKOSTNAVAR i 8 8  19.gr. }L 9  BtreikningurrlegrihlutfallstlukostnaWar ` :  C1. J rleghlutfallstalakostnaWar,sem t ; rsgrundvellijafngildirnvirWiallranverandiog U$ < sWariskuldbindinga(nUtinglna,endurgreiWslurog  = kostnaWur),semlnveitandiogneytandisamYykkja, > skalreiknuWsamkvmtreiknilkaninusemersett e4? framI.hlutaI.viWauka. @ 2. J ViWtreikningrlegrihlutfallstlukostnaWar )A skalkvarWaheildarlntkukostnaWneytandaaWfr B tldumYeimkostnaWisemneytandanumberaW XC greiWavegnaskuldbindinga,semhannhefurekki 9D staWiWviWenmlterfyrirumlnssamningnum,og E kostnaWi,WrumenYvkaupverWisemhonumber hF skyldatilaWgreiWavegnakaupavrueWa IG Yj;nustu,hvortsemkaupinerugerWmeW H staWgreiWslueWalni. xI KostnaWurinnviWaWviWhaldareikningiYarsem J bWigreiWslufrslurognUtinglnaeruskrW, m<K kostnaWurviWnotkungreiWsluleiWafyrirbWi L greiWslufrslurognUtingulnaogannarkostnaWur M tengslumviWgreiWslufrslurskalverainnifalinn }LN heildarkostnaWiaflnitilneytandansnema -O valfrjlstsaWopnareikningogkostnaWurviW P reikninginnssrstaklegaoggreinilegatekinnfram  \Q lnssamningnumeWaWrumsamningisemgerWur =! R erviWneytandann. !S 3. J ViWtreikningrlegrihlutfallstlukostnaWar #T skalgangatfrYeirriforsenduaWlnssamningur #U innhaldistgildiYanntmasemsamiWerumogaW a$0 V lnveitandinnogneytandinnmunirkjaskyldur % W snarsamkvmtYeimskilmlumogdagsetningum %!X semerutilgreindlnssamningnum. q&@"Y 4. J XegarumeraWrWalnssamningasemhafaaW 'T#Z geymakvWisemheimilafrvikfrtlnsvxtum5($[ og,efviW,YeimkostnaWisemerinnifalinn 1 rlegrihlutfallstlukostnaWarenekkierhgtaW  metaYegartreikningurferfram,skalgangatfr ` YeirriforsenduviWtreikningrlegrarhlutfallstlu A kostnaWaraWtlnsvextirogannarkostnaWursu  fasturkostnaWurmiWaWviWupphafsstWuoggildi p Yartillnssamningurinnfellurrgildi. Q  5.  EfnauWsynkrefurmnotaviWb;tarforsendurnar, e 4 semsettareruframI.viWauka,viWtreikning   rlegrihlutfallstlukostnaWar.    Efforsendurnar,semsettareruframYessarigrein    ogII.hlutaI.viWauka,ngjaekkitilaWreiknat  X  rlegahlutfallstlukostnaWarsamrmdanhtteWa 9   eruekkilengurlagaWaraWstWuviWskiptamark   aWnumgeturframkvmdastj;rninkveWiWnauWsyn h  legarviWb;tarforsendurfyrirtreikningrlegri I  hlutfallsflukostnaWareWabreyttYeimforsendum   semfyrireru.XessarrWstafanir,semertlaWaW x  breytaYeimYttumYessarartilskipunarsemekki Y(  teljastgrundvallaratriWi,skulusamYykktarsam    rmiviWmlsmeWferWstj;rnsUslunnimeWathugun  semumgetur2.mgr.25.gr. i8   VI.KAFLI }L  LNVEITENDUROGLNAMIVLARAR `  20.gr. t  Reglurlnveitenda   TAWildarrkinskulusjtilYessaWlnveitendursu  undireftirlitiaWilaeWayfirvalds;hWfjrmlastofn }L unumeWareglursettarumstarfsemiYeirra.Xettaer - meWfyrirvaraumtilskipun2006/48/EB.    21.gr.   SrstakarskuldbindingarlnamiWlara  gagnvartneytendum    VAWildarrkinskulusjtilYessaW: ! a)0  lnamiWlaritakiframauglUsingumogskjlum, " semerutluWneytendum,hvertumboWhanss,  \# einkumhvorthannstarfareingngufyrireinn =! $ eWafleirilnveitendureWasem;hWurmiWlari,!% b)0  neytandinnsltinnvitaafY;knun,efeinhver #& er,semhannYarfaWgreiWalnamiWlaranumfyrir #' Yj;nustuhansogaWfyrirliggisamkomulagum a$0 ( hanamillineytandaoglnamiWlarapappreWa % ) WrumvaranlegummiWliWurenlnssamning %!* urinnergerWur,q&@"+ c)0  lnamiWlaritilkynnilnveitanda,vegnatreikn 'T#, ingsrlegrihlutfallstlukostnaWar,umY;kn5($- unina,efeinhverer,semneytandinnYarfaW 1- greiWalnamiWlaranumfyrirYj;nustuhans..JJ   VII.KAFLI /  FRAMKVMDARRVSTAFANIR   0 22.gr. 1  Samhfingog;frvkjanlegarkrfur 1 2 Yessarartilskipunar  3  %\1. J AWYvleytisemkvWiYessarartilskipunareru  4 samhfWgetaaWildarrkinekkiviWhaldiWeWaleitt  t5 landslgkvWisemvkjafrYeimkvWumsem U $6 mlterfyrirumYessaritilskipun.  7 2. J AWildarrkiskulutryggjaaWneytendurhafiekki  8 heimildtilaWafsalasrYeimrttisemYeirhafa  9 samkvmtkvWumlandslgumsemerutilfram yH : kvmdarYessaritilskipuneWasemsamsvarahenni. ) ; 3. J AWildarrkinskuluennfremurtryggjaaWekkis = < hgtaWsniWgangakvWinsemYausamYykkjatil  = framkvmdarYessaritilskipunvegnaframsetningar l> samninganna,t.d.meWYvaWtakanUtingulnaeWa M? lnssamninga,semfallaundirgildissviWYessarartil @ skipunar,upplnssamningumsemhafaYeigin |A leikaeWaYanntilgangsemgtigertYaWkleiftaW ],B sniWgangabeitingutilskipunarinnar.  C 4. J AWildarrkinskulugeranauWsynlegarrWstafanir !D tilaWtryggjaaWneytendursuekkisviptirYeirri E vernd,semYessitilskipunveitirYeim,meWYvaW PF veljalgYriWjalandssemgildandilgfyrirlns 1G samninginneflnssamningurinntengist& t niWyfir H rWasvWieinseWafleiriaWildarrkja. `I 'tc  23.gr. tJ  ViWurlg  K dAWildarrkinskulusetjareglurumviWurlgviWbrot L umgegninnlendumkvWumsemerusamYykkt }LM samkvmtYessaritilskipunoggeraallarnauWsyn -N legarrWstafanirtilaWtryggjaaWYeimsbeitt. O ViWurlgsemkveWiWerumskuluveraskilvirk,  \P rttuhlutfalliviWbrotogletjandi. =! Q   24.gr. Q" R  Lausndeilumlautand;mst;la e#4S  If1. J AWildarrkinskulutryggjaaWtekinverWiupp y$H T fullngjandiogskilvirkmlsmeWferWviWlausn )% U deilumlaneytendavarWandilnssamningaognota %!V tilYessstofnanirsemerutilfyrir,eftirYvsemviW &X"W . 9'#X 2. J AWildarrkiskuluhvetjaYessarstofnanirtilaWM($Y starfaeinnigsamanaWYvaWleysadeilumlyfir 1 landamrivarWandilnssamninga.    25.gr.   NefndarmeWferW    i1.  Framkvmdastj;rninskalnj;taaWstoWar  nefndar.  2.  XegarvsaWertilYessararmlsgreinargilda   kvWi1.!4.mgr.5.gr.aog7.gr.kvrWunar  ` 1999/468/EB,meWhliWsj;nafkvWum8.gr. A  hennar.      26.gr.     UpplUsingarsemberaWveita   framkvmdastj;rninni    jEfaWildarrkinUtirsreinhverjaYreglusetningar   valkostisemumgetur2.gr.(5.og6.mgr.),4.gr. \  (1.mgr.),4.gr.(cliWur2.mgr.),6.gr.(2.mgr.), =  10.gr.(1.mgr.),10.gr.(gliWur2.mgr.),14.gr.(2.   mgr.)og16.gr.(4.mgr.),skalYaWupplUsafram l kvmdastj;rninaumYaW,svoogumallarsWari M breytingar.Framkvmdastj;rninskalbirtaupplUs  ingarnarvefsetrieWaannarsstaWarYarsemauWvelt | eraWnlgastYr.AWildarrkinskulugera ], viWeigandirWstafanirtilaWdreifaYeim   upplUsingummeWalinnlendralnveitendaog  neytenda. m<   27.gr. P  LgleiWing  d o1.  AWildarrkinskulu,eigisWaren11.jn2010, x samYykkjaogbirtaYaukvWisemerunauWsynleg Y( tilaWfaraaWYessaritilskipun.   XauskulutilkynnaYaWframkvmdastj;rninniYegar  staW.XauskulubeitaYessumkvWumfr11.jn  2010. }L  XegaraWildarrkinsamYykkjaYessikvWiskalvera `! YeimtilvsunYessatilskipuneWaYeimfylgjaslk A " tilvsunYegarYauerubirtopinberlega.AWildarrkin  # skulusetjannarireglurumslkatilvsun. !p$ 2.  Framkvmdastj;rninskal,fimmrafrestiog "% fyrstaskipti11.jn2013,endurskoWaviWmiW e#4& unarmrkinsemmlterfyrirumYessaritilskipun $' ogviWaukunumviWhanaogYauhlutfllsemeru $ ( notuWviWtreikningYeirrab;tasemgreiWaskal u%D!) YegarumgreiWslufyrirgjalddagaeraWrWa,meta %&!* Yaulj;siefnahagsYr;unarBandalaginuog &"+ standsviWkomandimarkaWi. 'T#, Framkvmdastj;rninskaleinnigfylgjastmeWYv 5($- hvaWahrifreglusetningarvalkostirnir,semumgetur 1- 2.gr.(5.og6.mgr.),4.gr.(1.mgr.),4.gr.(cliWur . 2.mgr.),6.gr.(2.mgr.),10.gr.(1.mgr.),10.gr. `/ (gliWur2.mgr.),14.gr.(2.mgr.)og16.gr.(4. A0 mgr.),hafahaftinnrimarkaWinnogneytendur. 1 NiWurstWurnarskululagWarfyrirEvr;puYingiWog p2 rWiWsamttillgum,efviW,umaWbreyta Q 3 viWmiWunarmrkumoghlutfalli,svoogfyrr  4 greindumreglusetningarvalkostumtilsamrmisviW  5 YaW. a 06   28.gr. u D7  UmreikningurfjrhWumevrumyfir  X8 innlendangjaldmiWil 9  9  w1. J AWYvervarWarYessatilskipunskulu M : aWildarrki,semumreiknafjrhWirevrumyfir  ; sinneigingjaldmiWil,fyrstunotaviW | < umreikninginnYanngjaldmiWil,semgildirYeim ], = degiYegartilskipunYessiersamYykkt.   > 2. J AWildarrkigetanmundaWYrfjrhWirsem ! ? verWatilviWumreikningaWYvtilskilduaWslk @ nmundunfariekkiyfir10evrur. PA   VIII.KAFLI dB  BRVABIRGVA-OGLOKAKVVI xC  29.gr. D  NiWurfelling  E {Tilskipun87/102/EBEfallirgildifrogmeW11. F jn2010. dG   30.gr. xH  BrWabirgWarWstafanir  I :|1. J Xessitilskipungildirekkiumlnssamningasem J hafaYegarveriWgerWirYanndagseminnlendar PK framkvmdarrWstafanirWlastgildi. 1L 2. J AWildarrkiskuluY;tryggjaaW11.,12.,13.og EM 17.gr.,og18.gr.(annarmlsliWur1.mgr.og2. N mgr.)gildieinnigumopnalnssamningasemhafa  tO YegarveriWgerWirYanndagseminnlendarfram U!$P kvmdarrWstafanirWlastgildi. "Q   31.gr. #R  Gildistaka  -$S TilskipunYessiWlastgildituttugastadegieftiraW A%!T hnbirtistStj;rnartWindumEvr;pusambandsins. %!U   32.gr. '"V ViWtakendur(#W TilskipunYessarierbeinttilaWildarrkjanna. 1 ^rEGjrtStrassborg23.aprl2008. r *LPddd Xdd Xdd X??, ,- +  ," /,FyrirhndEvr;puYingsins, '" 'FyrirhndrWsins, 5+" / /5H.G.PTTERING '1" 'J.LENARbIb 5+1" / 5forseti. 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"" 0  e)0UnnteraWumskrifajfnunameWYvaWnotaeinasummuoghugtakiWumflWi(Ak),semverWur  ## jkvtteWaneikvtt,meWWrumorWumannaWhvortgreittteWam;ttekiWtmabilumltilk,og #$ gefiWupprum,Y.e.:$O %   VVFBx \[gp. @XE?%[g[g/%{ %c!& 00  SerYnverandistaWaflWisins.EfmarkmiWiWeraWviWhaldajafngildiflWiservirWiWnll._'.#' II.0  ViWb;tarforsendurfyrirtreikningirlegrihlutfallstlukostnaWar#s(B$( #0  a)0eflnssamningurgerirneytandakleiftaWnUtalniWaWvildskallitiWsvoaWheildarfjrhWlnss 1 nUttYegarstaWogaWfullu, 0  b)0eflnssamningurgefurkostmismunandinUtingarmguleikummeWmismunandikostnaWieWa  tlnsvxtumskallitiWsvoaWheildarfjrhWlnssnUttmeWmestakostnaWiogtlnsvxtumsem t erbeittviWalgengastanUtingarmguleikannfyrirYessategundlnssamnings,U$ 0  c)0eflnssamningurgerirneytandaalmenntkleiftaWnUtalnaWvildensetur,meWalmismunandi i8 nUtingarmguleika,takmarkaniraWYvervarWarfjrhWinaogtmabiliW,skallitiWsvoaWlns   fjrhWinsnUttfyrstadegisemkveWiWerumsamningnumogsamrmiviWYessartakmarkanir   nUtingu,y H 0  d)0efekkiertilstaWarfsttmatlunfyrirendurgreiWsluskalgertrWfyrirYv: \  0  0i.0aWlniWsveitttileinsrsog p  0  0ii.0aWlniWverWiendurgreittmeW12jfnum,mnaWarlegumafborgunum,  0  e)0effsttmatlunfyrirendurgreiWsluertilstaWarenfjrhWendurgreiWslnannaersveigjanlegskal   litiWsvoaWfjrhWhverrarendurgreiWslusslgstasemertiltekinsamningnum,yH  0  f)0effleirieneinnendurgreiWsludagurertiltekinnlnssamningnumskalafhendalniWoginnaafhendi \  endurgreiWslurnarfyrstadegisemtiltekinnersamningnum,nemaannaWstekiWfram,=  0  g)0efekkihefurennYveriWsamiWumYaklniWergertrWfyriraWYaWs1.500evrur,Q  0  h)0YegarumeraWrWayfirdrttarheimildskallitiWsvoaWheildarfjrhWlnssnUtttilfullsog e4 llumgildistmalnssamningsins.EfgildistmilnssamningsinserekkiYekkturskal,viWtreikning  rlegrihlutfallstlukostnaWar,gerarWfyriraWgildistmilnsinssYrrmnuWir, 0  i)0efmismunandivextirogkostnaWureruboWitakmarkaWantmaeWavegnatakmarkaWrarfjrhWar  skallitiWsvoaWvextirnirogkostnaWurinneigiaWverahstahlutfallstalanallangildistmalns X samningsins,9 0  j)0treikningurrlegrihlutfallstluaWYvervarWarsamningaumneytendaln,semfastirtlnsvextir M fyrirupphaflegatmabiliWhafaveriWsamYykktirfyrir,enviWlokYesserunUirtlnsvextirkvarWaWir  ogaWlagaWireftirYaWmeWreglulegumillibilisamkvmtumsmdumvsi,skalgrundvallastYeirri | forsenduaWviWloktmabilsfastratlnsvaxtasutlnsvextirhinirsmuogYegarrleghlutfallstala ], varreiknuWtgrundvelligildisumsaminsvsisYeimtma.    II.VIVAUKI 5  STAVLAVARUPPLTSINGARUMEVR:PSKNEYTENDALN I  1.0  AuWkenniogsamskiptaupplUsingarlnveitanda/lnamiWlara],  L  M  L  M  L  M  L  M  *IJ+dd . -LP??,E V,E Z+  3&u D u D /3L  M  L  M  LnveitandiL  M  1"  s!$$ 1L  M  [AuWkenni]L  M  L  M  L  M  K:# s" /   //K dL  M  L  M  Heimilisfang !R# Smanmer(*) 3"$ Tlvup;stfang(*) "% Brfsmanmer(*) #b& Veffang(*)L  M  3" C$ '$$ 3L  M  [HeimilisfangsemneytandanumberaWnota]L  M   !R( L  M  L  M  D:#3") //   //D dL  M  L  M  EfviWL  M  "Q% !*$$ "L  M  L  M  D:#Q% !+ //   /DL  M  L  M  LnamiWlariL  M  "0&!,$$ "L  M  [AuWkenni]L  M  L  M  K:#0&!- /   /K dL  M  L  M  Heimilisfang '". Smanmer(*) '#/ Tlvup;stfang(*) o(>$0 Brfsmanmer(*) 1 Veffang(*)L  M  3" $$ 3L  M  [HeimilisfangsemneytandanumberaWnota]L  M   '" L  M  L  M   '#  O>#1 /   //O djL  M  L  M  (*)  XessarupplUsingareruvalkvWarfyrirlnveitanda.L  M  L  M  L  M  >42 //   $$ >0  Xegar?efviW ertilgreintskallnveitandifyllatreitinnefupplUsingarnarvarWatlnamiWilinneWa 2 eyWaviWkomandiupplUsingumeWaallrilnunniefupplUsingarnarvarWaekkiYtegundlnssemhafter  huga.a 0  TextinninnanhornklofannaertilskUringarfyrirlnveitandannoghansstaWskalsetjasamsvarandiupp  u lUsingar.V % 2.0  LUsinghelstusrkennumtlnamiWilsinsj 9  L  M  L  M  L  M  L  M  *KM+d+dE VE E ZE IJ??,E U,E Z+  / Q Q /// dL  M  L  M  TegundlnsL  M  +   +L  M  L  M  L  M  C2#   //   //CL  M  L  M  9O$ !?9HeildarfjrhWlns   L  M  HrerttviWL  M  YakL  M  ԀeWaheildarfjrhWsemer o>  fanlegsamkvmtlnssamningnum.L  M  +  +L  M  L  M  L  M  C2#  //   //CL  M  L  M  SkilyrWinsemrWanUtingu -  L  M  HrerttviWhvernigoghvenrYfrWfW.L  M  +  +L  M  L  M  L  M  C2#-  //   //CL  M  L  M  GildistmilnssamningsinsL  M  +  +L  M  L  M  L  M  C2#  //   //CL  M  L  M  Afborganirog,efviW,hvaWarWYeimerskipt  niWurL  M  +x +L  M  XYarftaWgreiWaeftirfarandi:  [FjrhW,fjldiogtWnigreiWslnasemneytand x innYarfaWinnaafhendi] Y( Vextiog/eWakostnaWskalgreiWaeftirfarandi   htt:L  M  L  M  L  M  C2# //   //CL  M  L  M  HeildarfjrhWinsemYYarftaWgreiWa  L  M  HrerttviWlnsfjrhWinaaukvaxtaog wF hugsanlegskostnaWarsemtengistlniYnu.L  M  +' +L  M  [SamtalaheildarfjrhWarlnsog  heildarlntkukostnaWar]L  M   wF L  M  L  M  C2#'  //   //CL  M  L  M  EfviW 5! LniWerveittYvformiaWgreiWsluvrueWa " Yj;nustuerfrestaWeWaYaWertengtafhendingu d# srstakrarvrueWaveitinguYj;nustu E$ Heitivru/Yj;nustu % VerWreiWufL  M  +t& +L  M  L  M  L  M  G=#5' //   // GL  M  L  M  ?Of$ !O$ !?EfviWL  M  /% ( ## / D:#) //    //DL  M  L  M  SjlfskuldarbyrgWarerkrafistL  M  **## *L  M  [TegundsjlfskuldarbyrgWar]L  M  L  M  L  M  SB++ //  $$ //SL  M  L  M  XettaerlUsingtryggingunnisemYYarftaW , leggjaframtengslumviWlnssamninginn.L  M   ;*  N-## ;L  M  L  M  L  M  SB+. //  $$ //SL  M  L  M  EfviW !\/ L  M  EndurgreiWslurleiWaekkitiltafarlausrarniWur =" 0 greiWsluhfuWst;lsins.L  M   ;* "1## ;L  M  L  M  L  M  ;1/!\2 //  $$ ; dFL  M  L  M  L  M  L  M  3.  LnskostnaWur  $ 3 L  M  L  M  L  M  L  M  L  M  *NO+d +dE UE E ZE KM??,E U,E /+  /%!4%! /// dL  M  L  M  BtlnsvextireWa,efviW,mismunanditlns '&!5 vextirsemgildaumlnssamninginnL  M  +&"6 +L  M  [% '&!7 L  M  L  M  "0 t fastireWa&"8tt L  M  "0 t breytilegir(meWvsitlueWaviWmiWunarvextir 'V#9 semgildaumupphaflegatlnsvexti),#7($:tt #L  M  "0 t tmabil],L  M  L  M  L  M  M<-`/tt //   //ML  M  L  M  rleghlutfallstalakostnaWar(APR) n= L  M  XettaerheildarkostnaWurinngefinnuppsem  rleghlutfallstalaafheildarfjrhWlnsins.L  M    L  M  rleghlutfallstalakostnaWarauWveldarYraW ~M berasamanmismunanditilboW.L  M   +. +L  M  [%HrskalsetjaframlUsandidmiYarsem n= framkomaallarforsendursemerunotaWarviW  treikninghlutfallstlunni]L  M  L  M  L  M  <2#  //   //<L  M  L  M  ErYaWskylda,tilaWgetafengiWlniWeWafYaW <   meWauglUstumskilmlumogskilyrWum,L  M      L  M  L  M  L  M  <2#<   //   //<L  M  L  M  "0  aWkaupatryggingusemtengistlninueWaL  M  $   $L  M  L  M  J/nei[efsvariWerjtandiskaltilgreinategund   tryggingar]L  M  L  M  L  M  <2# y //   //<L  M  L  M  "0  aWgeraannansamningumviWb;tarYj;nustu?L  M  $  $L  M  L  M  J/nei[efsvariWerjtandiskaltilgreinategund   viWb;tarYj;nustu]L  M  L  M  L  M  C2#h 7  //   //CL  M  L  M  EflnveitandiYekkirekkikostnaWinnviWYessa vE  Yj;nustuerhannekkitalinnmeWrlegri &  hlutfallstlukostnaWar.L  M   +  +L  M  L  M  L  M  C2#vE  //   //CL  M  L  M  TengdurkostnaWurL  M  +  +L  M  L  M  L  M  C2#  //   //CL  M  L  M  EfviW   XesserkrafistaWeinneWafleirireikningarsu q haldnirtilaWskrbWigreiWslufrslurog R! nUtingulnsinsL  M  + +L  M  L  M  L  M  C2#  //   //CL  M  L  M  EfviW  FjrhWkostnaWarviWaWnotasrstakagreiWslu  aWferW(t.d.greiWslukort)L  M  +p?  +L  M  L  M  L  M  C2#! //   //CL  M  L  M  EfviW ~M" AllurannarkostnaWursemleiWiraflnssamn .# ingnumL  M  +$ +L  M  L  M  L  M  C2#~M% //   //CL  M  L  M  EfviW & SkilyrWifyrirYvaWgerabreytingarfyrrnefnd k' umkostnaWisemtengistlnssamningnumL  M  +L( +L  M  L  M  L  M  C2#) //   //CL  M  L  M  EfviW Z)* SkyldatilaWgreiWalgb;kunargjaldL  M  + + +L  M  L  M  L  M  <2#Z), //   //<L  M  L  M  KostnaWurvegnagreiWslueftirgjalddagaL  M   - L  M  L  M  L  M  C2#. //   //CL  M  L  M  VangoldnargreiWslurgtuhaftalvarlegaraf &/ leiWingarfyrirYig(t.d.nauWungarslu)oggert 0 erfiWaraumvikaWfln.L  M   + U1 +L  M  XverWurkrafinnumaWgreiWa[88(gildandi &2 vextirogfyrirkomulagviWaWlgunYeimog, 3 YegarviW,vanskilagjld)]vegnavangoldinna  U4 greiWslna.L  M  3)'6!5 //   3 d4.  AWrirmikilvgirlagalegirYttir  )#6 L  M  L  M  L  M  L  M  L  M  L  M  L  M  *SX+d+dE UE E /E NO??,E U,E Z+  /A$ 7A$  /// dL  M  L  M  RtturtilaWfallafrsamningiL  M   p$? 8 L  M  L  M  XhefurrtttilaWfallafrlnssamningnum  % 9 innanfj;rtnalmanaksdaga.L  M   +%!: +L  M  J/neiL  M  L  M  L  M  L  M  L  M  L  M  F5#p$? ; //   //FL  M  L  M  GreiWslafyrirgjalddaga &"< L  M  XttrttYvaWflUtaendurgreiWslulnsins ']#= hvenrsemer,aWfullueWaaWhluta.L  M   .>( $> . L  M  L  M  L  M  @6'&"? //   //@L  M  L  M  EfviWL  M   `/  L  M  L  M  L  M  C2#`/ //   //CL  M  L  M  Lnveitandirttb;tumefgreitterfyrir n= gjalddagaL  M  + +L  M  [kvrWunb;ta(reikningsaWferW)samrmiviW n= kvWintilframkvmdar16.gr.tilskipunar  2008/48/EB]L  M    L  M  L  M  ?5#~M //   //?L  M  L  M  Leitgagnasafni ,[  ,L  M  L  M  L  M  C2#[  //   //CL  M  LnveitandiverWuraWupplUsaYigYegarstaW,  i  YraWkostnaWarlausu,umniWurstWuleitar J   gagnasafnieflnsums;knerhafnaW    grundvellislkrarleitar.Xettagildirekkief  y bannaWeraWveitaslkarupplUsingarsamkvmt Z ) lggjfEvr;pubandalagsinseWaefYaWfer   bgaviWmarkmiWallsherjarreglueWa   almannaryggis.L  M  +j9  +F9' i //   //FL  M  L  M  RtturtilaWfdrgaWlnssamningi ,`/ ,L  M  L  M  L  M  C2#`/ //   //CL  M  Xttrtt,;skirYeftirYv,aWfafritaf n= drgumaWlnssamningiYraWkostnaWarlausu.  XettakvWigildirekkieflnveitandier,Yegar  beiWninerlgWfram,;fsaWgeralnssamning ~M viWYig.L  M   +. + <2#n= //   //<L  M  L  M  EfviWL  M   <   L  M  L  M  L  M  C2#<   //   //CL  M  L  M  TmabiliWsemlnveitandierbundinnafYvaW J   veitaupplUsingarWurensamningurergerWur.L  M  +   +L  M  XessarupplUsingargildafr8til8L  M   J   3)'  //   3 d0  EfviW  5.  ViWb;tarupplUsingarefumeraWrWafjarslufjrmlaYj;nustu    L  M  L  M  L  M  L  M  L  M  *^`+d +dE UE E ZE SX??,E U,E Z+  /   /// dL  M  L  M  a)L  M    varWandilnveitandannL  M  +H  +L  M  L  M  L  M  <2#H  //   //<L  M  L  M  EfviWL  M   V%  L  M  L  M  L  M  <2#V%  //   //<L  M  L  M  FulltrilnveitandansaWildarrkinuYarsemY d3  bUrWL  M     L  M  [AuWkenni]L  M  L  M  L  M  <2#d3  //   //<L  M  L  M  HeimilisfangL  M   " L  M  [HeimilisfangsemneytandanumberaWnota]L  M  L  M  L  M  C2#" //   //CL  M  L  M  Smanmer(*) 0 Tlvup;stfang(*)  Brfsmanmer(*) _ Veffang(*)L  M  +@ +L  M  L  M  L  M  <2#0 //   //<L  M  L  M  EfviWL  M   N  L  M  L  M  L  M  C2#N! //   //CL  M  L  M  SkrningL  M  +\+" +L  M  [ViWskiptaskrinsemlnveitandinnerskrWur \+# ogskrningarnmerhanseWasamsvarandiauW  $ kennihansYeirriskr]L  M  L  M  L  M  C2#% //   //CL  M  L  M  EfviW & EftirlitsyfirvaldL  M  +zI' +L  M  L  M  L  M  C2#( //   //CL  M  L  M  -  b)-  L  M    varWandilnssamninginnL  M  +W) +L  M  L  M  L  M  <2#W* //   //<L  M  L  M  EfviWL  M   e+ L  M  L  M  L  M  C2#e, //   //CL  M  L  M  RtturtilaWfallafrsamninginUtturL  M  +s- +L  M  [HagnUtarleiWbeiningarumhvernignUtamegi s. rttinntilaWfallafrsamningi,Yarsemm.a. T#/ kemurframtmabiliWtilaWnUtaYannrtt,  0 heimilisfangiWsemsendaskaltilkynninguum  1 YaWogafleiWingarYessaWnUtaekkiYannrtt]L  M  C2#d!32 //   //CL  M  L  M  EfviW r"A3 LgYausemlnveitandileggurtilgrundvallar "#4 tengslumsnumviWYigWurenlnssamningurer #5 gerWurL  M  +$Q 6 +L  M  L  M  L  M  ?5#r"A7 //   //?L  M  L  M  EfviWL  M  ,%_!8 ,L  M  L  M  L  M  C2#%_!9 //   //CL  M  L  M  kvWisemsegirfyrirumlgYau,semgilda &m": umlnssamninginn,og/eWaYartilbran N'#; d;mst;lL  M  +'#< +L  M  [ViWkomandikvWiskalsettframhr]L  M   &m"= L  M  L  M  C6'N'#> //   //CL  M  L  M  EfviWL  M  )`/ )L  M  L  M  L  M  C2#`/ //   //CL  M  L  M  ValtungumliL  M  +n= +L  M  UpplUsingarogsamningsskilmlarverWaafhent n= [hiWtilteknatunguml].MeWsamYykkiYnu  hfumviWhyggjuaWeigasamskipti[tiltekiW  tunguml,eitteWafleiri]gildistma ~M lnssamningsins.L  M  L  M  L  M  C2#. //   //Cc)L  M    varWandirlausngreiningsmlaL  M  +<   +L  M  L  M  L  M  C2#<   //   //CL  M  L  M  Tilvistkerfisfyrirkvartanirogrlausnmlautan J   rttarogaWganguraWYvL  M  +   +L  M  [Hvortfyrirhendierkerfifyrirkvartanirogr J   lausnmlautanrttarfyrirneytendursemeru   aWilaraWfjarslusamningiog,efsvoer,hvernig  y aWgangurfstaWYv]L  M  L  M  L  M  G6#Z ) //   //GL  M  L  M  (*)  XessarupplUsingareruvalkvWarfyrirlnveitanda.L  M  L  M  6,*h 7  //    6 dL  M  L  M  L  M  L  M  L  M    III.VIVAUKI [*   UPPLTSINGARUMEVR:PSKNEYTENDALNAVXV0ERVARVAR o>   1) yfirdrtt  R  2) neytendalnsemtilteknarlnastofnanirbj;Wa(5.mgr.2.gr.tilskipun2008/48/EB)  j 3) skuldbreytingu   1.0  AuWkenniogsamskiptaupplUsingarlnveitanda/lnamiWlara  L  M  L  M  L  M  L  M  *jn+d+dE UE E ZE ^`??,E U,E /+  + //+ dL  M  L  M  LnveitandiL  M  ) )L  M  [AuWkenni]L  M  L  M  L  M  C2# //   //CL  M  L  M  Heimilisfang   Smanmer(*)  Tlvup;stfang(*) O Brfsmanmer(*) 0 Veffang(*)L  M  + +L  M  [HeimilisfangsemneytandanumberaWnota]L  M      L  M  L  M  <2#! //   //<L  M  L  M  EfviWL  M   " L  M  L  M  L  M  <2## //   //<L  M  L  M  LnamiWlariL  M   $ L  M  [AuWkenni]L  M  L  M  L  M  C2#% //   //CL  M  L  M  Heimilisfang  & Smanmer(*) ' Tlvup;stfang(*) j9( Brfsmanmer(*) ) Veffang(*)L  M  +* +L  M  [HeimilisfangsemneytandanumberaWnota]L  M  L  M  G6# + //   //GL  M  L  M  (*)  XessarupplUsingareruvalkvWarfyrirlnveitanda.L  M  L  M  L  M  6,* , //    6 d0  Xegar?efviW ertilgreintskallnveitandifyllatreitinnefupplUsingarnarvarWatlnamiWilinneWa "- eyWaviWkomandiupplUsingumeWaallrilnunniefupplUsingarnarvarWaekkiYtegundlnssemhafter {#J. huga.+$/ 0  TextinninnanhornklofannaertskUringarfyrirlnveitandaoghansstaWskalsetjasamsvarandiupp ?%!0 lUsingar.%!1   '"2 2.0  LUsinghelstusrkennumtlnamiWilsins1  L  M  L  M  L  M  L  M  *pr+d+dE UE E /E jn??,E U,E Z+  /II /// dL  M  L  M  TegundlnsL  M  +xG +L  M  L  M  L  M  C2#xG //   //CL  M  L  M  HeildarfjrhWlns U L  M  HrerttviWYakeWaheildarfjrhWsemer 6 fanlegsamkvmtlnssamningi.L  M   + +L  M  L  M  L  M  C2#U //   //CL  M  L  M  GildistmilnssamningsinsL  M  + +L  M  L  M  L  M  C2#  //   //CL  M  L  M  EfviW    XgeturhvenrsemerveriWkrafinnumendur    greiWsluallrarlnsfjrhWarinnar.L  M  +b 1  +L  M  L  M  L  M  3)'   //    3 dM3.  LntkukostnaWur  U $  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  *+d+dE UE E ZE pr??,E U,E Z+  /m< m<  /// dL  M  L  M  BtlnsvextireWa,efviW,mismunanditlns k  vextirsemgildaumlnssamninginnL  M  +L  +L  M  [% k  L  M  L  M  "0  fastireWaL  L  M  "0  breytilegir(meWvsitlueWaviWmiWunarvxt   umsemgildaumupphaflegatlnsvexti)],L  M  I?-{  //   //IL  M  L  M  EfviWL  M  ,  ,L  M  L  M  L  M  C2#  //   //CL  M  L  M  rleghlutfallstalakostnaWar(APR)(*)  L  M  XettaerheildarlntkukostnaWurgefinnupp xG semrleghlutfallstalaheildarfjrhWarlnsins. ( rleghlutfallstalakostnaWarauWveldarYraW  berasamanmismunanditilboW.L  M   +W +L  M  [%HrskalveralUsandidmiYarsemfram  komaallarforsendursemerunotaWarviWt xG reikninghlutfallstlunni]L  M  <2#( //   //<L  M  L  M  EfviWL  M   e  L  M  L  M  L  M  C2#e! //   //CL  M  L  M  KostnaWur. s" EfviW T## SkilyrWinfyrirYvaWhgtsaWbreytaYessum $ kostnaWiL  M  +% +L  M  [KostnaWursemgildirfrYeimtmaYegarlns s& samningurergerWur]L  M  C2#T#' //   //CL  M  L  M  KostnaWurvegnagreiWslueftirgjalddagaL  M  +( +L  M  XverWurkrafinnumaWgreiWa[88(gildandi ) vextirogfyrirkomulagviWbreytinguYeimog, rA* YegarviW,vanskilagjld)]vegnavangoldinna "+ greiWslna.L  M  L  M  L  M  G6#, //   //GL  M  L  M  (*)0  GildirekkiumupplUsingarumlntilevr;pskraneytendavegnayfirdrttarYeimaWildarrkjum - semkveWagrundvelli2.mgr.6.gr.tilskipunar2008/48/EBaWekkiYurfiaWgefaupprlega _. hlutfallstlukostnaWarvegnayfirdrttar.L  M  @64@/`` //    @ dK%4.  AWrirmikilvgirlagalegirYttir  3!0 L  M  L  M  L  M  L  M  *uv+d+dE UE E ZE ??,E VU,E Z+  7&K"1K" //7 dL  M  L  M  UppsgnlnssamningsL  M  3" z"I2## 3L  M  [skilyrWiogmlsmeWferWeflnssamningnumer z"I3 sagtupp]L  M  L  M  L  M  O>'*#4 //   //OL  M  L  M  LeitaWgagnasafni `/ L  M  LnveitandiverWuraWupplUsaYigYegarstaW,  YraWkostnaWarlausu,umniWurstWuleitar  gagnasafnieflnsums;knerhafnaW p? grundvellislkrarleitar.Xettagildirekkief   bannaWeraWveitaslkarupplUsingarsamkvmt  lggjfEvr;pubandalagsinseWaefYaWfer O bgaviWmarkmiWallsherjarreglueWa 0  almannaryggis.L  M   3"   ## 3L  M  L  M  L  M  D:#`/  //   //DL  M  L  M  EfviWL  M  "  ## "L  M  L  M  L  M  K:#   //   //KL  M  L  M  TmabiliWsemlnveitandierbundinnafYvaW    veitaupplUsingarWurensamningurergerWur.L  M  3"  {## 3L  M  XessarupplUsingargildafr...til...L  M     L  M  L  M  3)' { //    3 d30  EfviWn  5.0  ViWb;tarupplUsingarsemgefaskaleftilteknarlnastofnanirveitaupplUsingarWurensamningur   ergerWur(5.mgr.2.gr.tilskipunar2008/48/EB)eWatengjastneytendalnitilskuldbreytingar g6  L  M  L  M  L  M  L  M  *wx+d+dE VUE E ZE uv??,E U,E Z+  /{J {J  /// dL  M  L  M  Afborganirog,efviW,hvaWarWYeimerskipt y  niWurL  M  +Z) +L  M  XYarftaWgreiWaeftirfarandi: y  [LUsandidmiumtfluyfirafborganir,Y.m.t. Z) fjrhW,fjldiogtWnigreiWslnasemneytanda   beraWinnaafhendi]L  M  L  M  L  M  C2# //   //CL  M  L  M  heildarfjrhWinsemYYarftaWgreiWaL  M  + +L  M  L  M  L  M  <2# //   //<L  M  L  M  GreiWslafyrirgjalddaga  L  M  XttrttYvaWflUtaendurgreiWslulnsins U hvenrsemer,aWfullueWaaWhluta.L  M   6 EfviWL  M     L  M  L  M  L  M  C2#! //   //CL  M  L  M  Lnveitandirttb;tumefgreitterfyrirgjald " dagaL  M  +s# +L  M  [kvrWunb;ta(reikningsaWferW)samrmiviW $ kvWintilframkvmdar16.gr.tilskipunar s% 2008/48/EB]L  M  L  M  L  M  3)'T#& //    3 d=0  EfviWG' 6.0  ViWb;tarupplUsingarsemgefaskalefumeraWrWafjarslufjrmlaYj;nustu[*(  L  M  L  M  L  M  L  M  L  M  *yz+d+dE UE E ZE wx??,E U,E Z+  /sB)sB /// dL  M  L  M  -  a)-  L  M    varWandilnveitandannL  M  +q* +L  M  L  M  L  M  <2#q+ //   //<L  M  L  M  EfviWL  M   , L  M  L  M  L  M  <2#- //   //<L  M  L  M  FulltrilnveitandaaWildarrkinuYarsemY  . bUrWL  M   n!=/ L  M  E & GrO(*+Of$ !E[AuWkenni]L  M    0 L  M  L  M  C2#n!=1 //   //CL  M  L  M  Heimilisfang |"K2 Smanmer(*) ,#3 Tlvup;stfang(*) #4 Brfsmanmer(*) $[ 5 Veffang(*)L  M  +<% !6 +L  M  [HeimilisfangsemneytandanumberaWnota]L  M  L  M  <2#|"K7 //   //<L  M  L  M  EfviWL  M   J&"8 L  M  L  M  L  M  C2#J&"9 //   //CL  M  L  M  SkrningL  M  +X''#: +L  M  [ViWskiptaskrinsemlnveitandinnerskrWur X''#; ogskrningarnmerhanseWasamsvarandiauW (#< kennihansYeirriskr]L  M  L  M  L  M  G6'`/ //   //GL  M  L  M  EfviW `/ EftirlitsyfirvaldL  M  + +L  M  L  M  L  M  C2#`/ //   //CL  M  L  M  -  b)-  L  M    varWandilnssamninginnL  M  + +L  M  L  M  L  M  <2# //   //<L  M  L  M  RtturtilaWfallafrsamningiL  M   , L  M  J/neiL  M  L  M  L  M  C2#, //   //CL  M  L  M  XttrttYvaWfallafrlnssamningnum :  innanfj;rtnalmanaksdaga.L  M     EfviW  i  RtturtilaWfallafrsamninginUtturL  M  +J   +L  M  [HagnUtarleiWbeiningarumhvernignUtamegi :   rttinntilaWfallafrsamningi,Yarsemm.a.   kemurfram,heimilisfangiWsemsendaskaltil  i kynninguumYaWogafleiWingarYessaWnUta J  ekkiYannrtt]L  M  C2#  //   //CL  M  L  M  EfviW   LgYausemlnveitandileggurtilgrundvallar   tengslumsnumviWYigWuren h 7  lnssamningurinnergerWurL  M  +  +L  M  L  M  L  M  <2#  //   //<L  M  L  M  EfviWL  M   &  L  M  L  M  L  M  C2#&  //   //CL  M  L  M  kvWiYarsemmlterfyrirumYaulgsem 4  gildaumlnssamninginnog/eWaYartilbran   d;mst;lL  M  +c  +L  M  [ViWkomandikvWiskalsettframhr]L  M   4  L  M  L  M  <2#  //   //<L  M  L  M  EfviWL  M   q L  M  L  M  L  M  C2#q //   //CL  M  L  M  ValtungumliL  M  + +L  M  UpplUsingarogsamningsskilmlarverWaafhent   [hiWtilteknatunguml].MeWsamYykkiYnu `/! hfumviWhyggjuaWeigasamskipti[tiltekiW " tunguml,eitteWafleiri]gildistma # lnssamningsins.L  M  L  M  L  M  C2#p?$ //   //CL  M  L  M  -  c)-  L  M    umrlausngreiningsmlaL  M  +~M% +L  M  L  M  L  M  C2#~M& //   //CL  M  L  M  Tilvistkerfisfyrirkvartanirogrlausnmlautan [' rttarogaWganguraWYvL  M  +< ( +L  M  [Hvortfyrirhendierkerfifyrirkvartanirogr [) lausnmlautanrttarfyrirneytendursemeru < * aWilaraWfjarslusamningiog,efsvoer,hvernig + aWgangurfstaWYv]L  M  G6#k, //   //GL  M  L  M  (*)  XessarupplUsingareruvalkvWarfyrirlnveitanda.L  M  L  M  6,*y- //    6 dAG  d