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LnveitanditelsthafauppfylltkrfurumupplUsingarskv.5.!8.gr.laganr.33/2005,um  fjarslufjrmlaYj;nustu,efhannhefurveittupplUsingarstWluWueyWublaWiskv.2.mgr. `    0upplUsingumskaleftirfarandikomafram: S+!  3(5h80_ikmo"i(m"  i(mb25h  a  .3  Ԉ0    tegundlns,i(mb0b݌" Ќ  "i(m"  i(mb25h  b  .3  Ԉ0    nafn,kennitalaogheimilisfanglnveitandaoglnamiWlaraefviW,i(mbc݌# Ќ  "i(m"  i(md25h  c  .3  Ԉ0    heildarfjrhWlnsogskilyrWifyrirnUtinguYess,i(md>d݌ $ Ќ  "i(m"  i(m,e25h  d  .3  Ԉ0    gildistmilnssamnings,i(m,eYe݌!W% Ќ  "i(m"  i(m f25h  e  .3  Ԉ0    umhvaWavrueWaYj;nustaeraWrWaogstaWgreiWsluverWhennar,YegarumeraWrWa J""& lnYvformiaWgreiWslusrstakrarvrueWaYj;nustuerfrestaWogtengdalnssamn #' inga,i(m fMf݌#( Ќ  "i(m"  i(mh25h  f  .3  Ԉ0    & a tlnsvextir,skilyrWiumbeitingutlnsvaxtaog,efviW,vsitalaeWaviWmiWunarvextir $ ) semgetahafthrifupphaflegutlnsvextina,svoogtmabil,skilyrWiogmlsmeWferW v%N!* 'a$hviWbreytingutlnsvxtunum.GildimismunanditlnsvextirviWmismunandiaW A&"+  stWurskalveitaWurnefndarupplUsingarumYalla,i(mh?h݌ '", Ќ  "i(m"  i(mj25h  g  .3  Ԉ0    &   rleghlutfallstalakostnaWarogheildarfjrhWsemneytandigreiWir,tskUrtmeWlUsandi ( dmiYarsemframkomaallarforsendursemerunotaWarviWtreikning'(RkԀhlutfalls  tlunni.EfneytandihefurupplUstlnveitandaumeinneWafleiriYttiYesslnssem  hannhelstkUs,svosemgildistmalnssamningsogheildarfjrhWlns,skallnveitandi a takatillittilYeirraYtta.EflnssamningurbUWuruppmismunandileiWirmeWmis T, munandikostnaWieWatlnsvxtumskallnveitandimiWaviWhstakostnaWogvexti  vegnaalgengustulnssamningaoggreinafrYvaWaWrarforsendurgetileitttilhrri  rlegrarhlutfallstlukostnaWar,i(mjj݌  Ќ  "i(m"  i(m"o25h  h  .3  Ԉ0    fjrhW,fjldiogtWnigreiWslnasemneytandiYarfaWstandaskilog,efviW,meW  X hvaWahttigreiWslumverWurskipthinarUmsutistandandiskuldirmeWmismunandi K #  tlnsvxtumYegarumendurgreiWslueraWrWa,i(m"oOo݌   Ќ  "i(m"  i(m2q25h  i  .3  Ԉ0    efviW,kostnaWurviWaWhafaeinaeWafleirilnalnurYarsembWigreiWslufrslurog    nUtinglnaeruskrW,nemavalfrjlstsaWopnalnalnu,samtkostnaWiviWnotkun   greiWsluleiWa,bWifyrirgreiWslufrslurognUtingulna,annarkostnaWurvegnalns wO  samningsogforsendurfyrirYvaWunntsaWbreytaYessumkostnaWi,i(m2q_q݌B  Ќ  "i(m "  i(ms25h  j  .3  Ԉ0    efviW,kostnaWursemneytandikannaWYurfaaWgreiWavegnaYinglUsingareWaskrn    ingarlnssamnings,i(ms t݌  Ќ  "i(m "  i(mUu25h  k  .3  Ԉ0    skuldbinding,efeinhverer,umaWgerasamningumviWb;tarYj;nustutengslumviW {  lnssamning,einkumvtryggingar,efgerteraWskylduaWgeraslkansamningtilaW nF getafengiWlneWafYaWmeWauglUstumskilmlumogskilyrWum,i(mUuu݌9 Ќ  "i(m "  i(mrw25h  l  .3  Ԉ0    gildandivextirYegarumeraWrWagreiWslueftirgjalddagaogfyrirkomulagbreytingu  Yeimog,efviW,kostnaWursemgreiWaYarfvegnavanskila,i(mrww݌ Ќ  "i(m "  i(my[[25h  m  .3  Ԉ0    afleiWingarvangoldinnagreiWslna,i(myAy݌r Ќ  "i(m "  i(mz25h  n  .3  Ԉ0    efviW,tilskildartryggingar,i(mzFz݌e= Ќ  "i(m"  i(m{25h  o  .3  Ԉ0    hvortrtturtilaWfallafrsamningierfyrirhendieWaekki,i(m{E{݌0 Ќ  "i(m"  i(m:|25h  p  .3  Ԉ0    rtturtilgreiWslufyrirgjalddagaog,efviW,upplUsingarvarWandirttlnveitandatil  b;taoghvaWahttYrbturverWakvarWaWarsamrmiviW18.gr.,i(m:|g|݌ Ќ  "i(m"  i(m}25h  q  .3  Ԉ0    rtturneytandatilaWfYegarstaWupplUsingar,honumaWkostnaWarlausu,umniWur i stWurleitargagnasafnisemergerWYeimtilgangiaWmetagreiWslu-oglnshfihans \4 skv.2.mgr.11.gr.,i(m}~݌' Ќ  "i(m"  i(m25h  r  .3  Ԉ0    rtturneytandatilaWf,samkvmtbeiWnioghonumaWkostnaWarlausu,afritafdrgum  aWlnssamningi.XettakvWigildirekkieflnveitandier,YegarbeiWninerlgWfram,  ;fsaWgeralnssamningviWneytandaogi(m ݌`  Ќ  "i(m"  i(m25h  s  .3  Ԉ0    efviW,tmabiliWsemlnveitandierbundinnafupplUsingumsemveittareruWuren S+! samningurergerWur.i(m ݌" Ќ   _ikmo(JT083a  AllarviWb;tarupplUsingarsemlnveitandiveitirneytandaskuluveittarsrstkuskjali # semmveraviWaukiviWstaWlaWeyWublaWsemrWherrabirtirreglugerW,sbr.2.mgr.  $   XegarumeraWrWaslueWamarkaWssetningusmaskilningi9.gr.laganr.33/2005, !W% umfjarslufjrmlaYj;nustu,skallUsinguhelstueinkennumfjrmlaYj;nustusemskal J""& veitaskv.2.tlul.2.mgr.9.gr.smulagatiltakaaWlgmarkiYauatriWisemerutilgreind #' c!fogh-liW4.mgr.,samtrlegrihlutfallstlukostnaWar,tskUrtmeWviWeigandidmiog #( heildarfjrhWsemneytandaberaWgreiWa. $ )   EfsamningurinnhefurveriWgerWuraWbeiWnineytandameWfjarskiptaaWferWskilningi v%N!* 3.tlul.4.gr.laganr.33/2005,umfjarslufjrmlaYj;nustu,semgerirYaW;kleiftaWveita A&"+  upplUsingarnarsamrmiviW1.!4.mgr.,einkumtilvikumskv.6.mgr.,skallnveitandi,  '", YegarstaWeftirgerWsamnings,veitaneytandaallarupplUsingarsemveita&   skalWuren ( samningurergerWur,stWluWueyWublaWisemrWherrabirtirreglugerW,'(Ԁsbr.2.mgr.    &  AukstaWlaWseyWublaWsskv.2.mgr.skalneytandif,samkvmtbeiWnioghonumaW  kostnaWarlausu,'ԀafritafdrgumaWlnssamningi.XettakvWigildirekkieflnveitandier, a YegarbeiWninerlgWfram,;fsaWgeralnssamningviWneytanda. T,   EfumeraWrWalnssamningYarsemgreiWslurneytandaleiWaekkiYegarstaWtilsam  svarandilkkunarheildarfjrhWlns,enerustaWYessnotaWartilaWhkkaeWaviWhalda  hfuWst;ltmabilumogviWaWstWursemmlterfyrirumlnssamningieWaviWb;tar   samningi,skuluupplUsingar,semveitaskalWurensamningurergerWuroggerWerkrafaum  X 1.!4.mgr.,felasrskUraoghnitmiWaWayfirlUsinguumaWslkirlnssamningartryggiekki K #  endurgreiWsluheildarfjrhWlns,semgreittertsamkvmtlnssamningi,nemaslk    byrgWssrstaklegaveitt.      Lnveitendurog,eftiratvikum,lnamiWlararskuluveitaneytandaskUringarsvoaWhann   getitekiWafstWutilYesshvortlnssamningur,semboWier,slagaWuraWYrfumog wO  fjrhagsstWuhans.EfviW,meWYvaWtskUraupplUsingarsemveitaskalWurensamn B  ingurergerWursamrmiviW1.!4.mgr.,helstueinkenniYeirralnssamningasemboWieru    ogYrsrstkuafleiWingarsemslkirsamningargetahaftfyrirneytanda,Y.m.t.afleiWing   arnarafvanskilumhansafborgunum. {    8.gr. 9 KrfurumupplUsingarfyrirogviWgerWtiltekinnalnssamningaformi  yfirdrttarheimildarogtiltekinnasrstakralnssamninga.  q  Lnveitandiog,efviW,lnamiWlariskal,ngilegalnguWurenneytandiverWurbund r innaflnssamningieWatilboWivarWandilnssamning,sbr.1.eWa3.mgr.2.gr.,grundvelli e= lnsskilmlaogskilyrWalnveitandaog,efviW,srstakra;skaogupplUsingafrneytanda, 0 veitaneytandanauWsynlegarupplUsingartilaWgetaboriWsaman;lktilboWogtekiWupplUsta  kvrWunumYaWhvortgeraskulilnssamning.    0viWkomandiupplUsingumskaleftirfarandikomafram: i  6(Eh80_ikmo"i(m"  i(m2Eh  a  .3  Ԉ0    tegundlns,i(mƕ݌\4 Ќ  "i(m"  i(m2Eh  b  .3  Ԉ0    auWkenniogheimilisfanglnveitanda,svoogauWkenniogheimilisfanglnamiWlarasem ' hlut,efviW,i(m݌ Ќ  "i(m"  i(m2Eh  c  .3  Ԉ0    heildarfjrhWlnsogskilyrWifyrirnUtinguYess,i(m݌ Ќ  "i(m"  i(m2Eh  d  .3  Ԉ0    gildistmilnssamnings,i(m.݌`  Ќ  "i(m"  i(m2Eh  e  .3  Ԉ0    ݀tlnsvextir,skilyrWinsemgildaumbeitinguYeirravaxta,vsitlueWaviWmiWunarvaxta S+! semgildaumupphaflegatlnsvexti,kostnaWurfrYeimtmaYegarlnssamningurer " gerWurog,efviW,skilyrWifyrirYvaWunntsaWbreytakostnaWi,i(m"݌# Ќ  "i(m"  i(m2Eh  f  .3  Ԉ0    rleghlutfallstalakostnaWar,skUrtmeWlUsandidmumYarsemframkomaallarfor  $ sendursemerunotaWarviWtreikninghlutfallstlu,i(mG݌!W% Ќ  "i(m"  i(m2Eh  g  .3  Ԉ0    skilyrWiogmlsmeWferWeflnssamningiersagtupp,i(m֝݌J""& Ќ  "i(m"  i(mž2Eh  h  .3  Ԉ0    YegarumeraWrWalnssamningaskv.1.mgr.2.gr.,efviW,upplUsingarumaWhve #' nrsemermegikrefjaneytandaumendurgreiWsluallrarlnsfjrhWar,i(mž݌#( Ќ  "i(m"  i(mg2Eh  i  .3  Ԉ0    &  gildandivextirYegarumeraWrWagreiWslueftirgjalddagaogfyrirkomulagviWbreyt $ ) inguYeimog,efviW,annarkostnaWursemgreiWaYarfvegnavanskila,'$i(mg݌v%N!* Ќ  "i(m "  i(m52Eh  j  .3  Ԉ0    rtturneytandatilaWfYegarstaWupplUsingar,honumaWkostnaWarlausu,umniWur A&"+ stWurleitargagnasafnisemergerWYeimtilgangiaWmetagreiWslugetuoglnshfi  '", hansskv.2.mgr.11.gr.,i(m5b݌'#- Ќ  "i(m "  i(m&2Eh  k  .3  Ԉ0    & a YegarumeraWrWalnssamningaskv.1.mgr.2.gr.,upplUsingarumYannkostnaWsem ( hefurorWiWfrYeimtmaYegarslkirsamningarerugerWirog,efviW,forsendurfyrir  YvaWunntsaWbreytaYeimkostnaWi,'a(Ԁi(m&S݌ Ќ  "i(m "  i(mT2Eh  l  .3  Ԉ0    efviW,tmabiliWsemlnveitandierbundinnafYvaWveitaupplUsingarWurensamn a ingurergerWur.i(mT݌T, Ќ   _ikmo(JT08 6  VeitaskalupplUsingarskv.1.mgr.pappreWameWWrumvaranlegummiWliogallar  upplUsingarskuluverajafnberandi.VeitamYrmeWYvaWnotastaWlaWeyWublaWsem  rWherrabirtirreglugerW,sbr.2.mgr.7.gr.Lnveitanditelsthafauppfylltkrfurumupp   lUsingarsamkvmtYessarimlsgreinogskv.5.!8.gr.laganr.33/2005,umfjarslufjr  X mlaYj;nustu,efhannhefurveittlnsupplUsingarstWluWueyWublaWi,sbr.2.mgr.7.gr. K #    XegarumeraWrWalnssamningaskv.3.mgr.2.gr.skuluupplUsingarnar,semeruveitt    arneytandasamrmiviW1.mgr.Yessarargreinar,einnigfelasr:     3(5h80_ikmo"i(m"  i(m225h  a  .3  Ԉ0    fjrhW,fjldaogtWnigreiWslnasemneytandiYarfaWstandaskilog,efviW,meW   hvaWahttigreiWslumverWurskipthinarUmsutistandandiskuldirmeWmismunandi wO  tlnsvxtumYegarumendurgreiWslueraWrWa,ogi(m2_݌B  Ќ  "i(m"  i(mE25h  b  .3  Ԉ0    rttinntilgreiWslufyrirgjalddagaog,efviW,upplUsingarumrttlnveitandatilb;ta    oghvaWahttYrbturverWakvarWaWar.i(mEr݌  Ќ   _ikmo(JT083  EflnssamningurfellurundirgildissviW1.mgr.2.gr.skulueinungiskvWi1.!3.mgr. {  gilda. nF   XegarumeraWrWasamskiptismaogYegarneytandi;skareftirYvaWfyfirdrttar 9 heimildYegarstaWskallUsinghelstueinkennumfjrmlaYj;nustua.m.k.felasrYau  atriWisemumgeturcliW,e!fliWogh-liW2.mgr.AukYessskallUsinginhelstuein  kennum,lnssamningumskv.4.mgr.felasrupplUsingarumgildistmalnssamnings. r   XrttfyrirundanYgunasemkveWiWerume-liW1.mgr.3.gr.skulukrfur1.mlsl.6. e= mgr.gildaumlnssamningaformiyfirdrttarheimildarogYegargreiWaYarflniWinnaneins 0 mnaWar.    AukupplUsingaskv.1.!6.mgr.skalneytandif,samkvmtbeiWnioghonumaWkostn  aWarlausu,afritafdrgumaWlnssamningisemhafaaWgeymaYrupplUsingarumsamning i semkveWiWerum12.gr.,aWsvomikluleytisemhnviW.XettakvWigildirekkief \4 lnveitandier,YegarbeiWninerlgWfram,;fsaWgeralnssamningviWneytanda. '   EfsamningurhefurveriWgerWuraWbeiWnineytandameWfjarskiptaaWferWskilningi3.  tlul.4.gr.laganr.33/2005,umfjarslufjrmlaYj;nustu,semgerir;kleiftaWveitaupp  lUsingarsamrmiviW1.!4.mgr.,Y.m.t.tilvikumskv.6.mgr.,skallnveitandiYegarstaW `  eftirgerWsamningsuppfyllaskyldursnarskv.1.!4.mgr.meWYvaWveitaupplUsingarum S+! samningskv.12.gr.,aWsvomikluleytisemhnviW. "   9.gr.  $ UndantekningarfrkrfumumupplUsingagjfWurensamningurergerWur. !W%   Vru-eWaYj;nustuveitendursemhafalnamiWlunsemaukastarferuekkibundniraf J""& kvWum7.!8.gr.XessiundanYgahefurekkihrifskyldulnveitandatilaWtryggjaaW #' neytandifiYrupplUsingarsemveitaskalWuren&  samningurergerWurogumgetur #( Yessumgreinum.'#bԀ $ )   v%N!*   &   10.gr. ( Lnshfis-oggreiWslumat.    WurensamningurumneytendalnergerWurskallnveitandimetalnshfineytanda.    Lnveitandiskal,auklnshfismatsskv.1.mgr.,framkvmagreiWslumatviWlnveitingu a effjrhWlnssamningser1.000.000kr.'( eWameira.Xegarumhj;neraWrWaskalfram T, kvmagreiWslumatWurenlnssamninguraWfjrhW2.000.000kr.eWameiraergerWur.    RWherraseturreglugerWumnnariframkvmdlnshfis-oggreiWslumats.    III.KAFLI  X  AWganguraWgagnasafni.  K #  11.gr.    AWganguraWgagnasafni.      ViWlnveitinguyfirlandamriskululnveitendurfrWrumaWildarrkjumhafaaWgang   aWYeimgagnasfnumsemerunotuWtilaWmetalnshfineytenda.SkilyrWinfyriraWgangi wO  skuluveranmismununar. B    Eflnsums;knerhafnaWgrundvellileitargagnasafniskallnveitandiupplUsaneyt    anda,YegarstaWoghonumaWkostnaWarlausu,umniWurstWurslkrarleitarogveitannari   upplUsingarumgagnasafniWsemleitaWvar. {    IV.KAFLI 9  UpplUsingarogrttindivarWandilnssamninga.   12.gr.  UpplUsingarsemskulukomaframlnssamningum. r K  LnssamningarskuluskrWirpappreWaveraWrumvaranlegummiWli.Allirsamn e= ingsaWilarskulufafritaflnssamningi. 0   0lnssamningiskalkomaframskUranoghnitmiWaWanhtt:   6(Eh80_ikmo"i(m"  i(m2Eh  a  .3  Ԉ0    tegundlns,i(m݌ Ќ  "i(m"  i(m2Eh  b  .3  Ԉ0    nafn,kennitlurogheimilisfangsamningsaWila.Einnig,efviW,nafn,kennitalaog i heimilisfanglnamiWlarasemhlut,i(m݌\4 Ќ  "i(m"  i(mI2Eh  c  .3  Ԉ0    gildistmilnssamnings,i(mIv݌' Ќ  "i(m"  i(m>2Eh  d  .3  Ԉ0    heildarfjrhWlnsogskilyrWifyrirnUtingu,i(m>k݌ Ќ  "i(m"  i(mR2Eh  e  .3  Ԉ0    umhvaWavrueWaYj;nustaeraWrWaogstaWgreiWsluverWhennar,YegarumeraWrWa  lnYvformiaWgreiWslusrstakrarvrueWaYj;nustuerfrestaWogtengdalnssamn `  inga,i(mR݌S+! Ќ  "i(m"  i(mC2Eh  f  .3  Ԉ0    tlnsvextir,skilyrWiumbeitinguYeirraog,efviW,vsitalaeWaviWmiWunarvextirsem " getahafthrifupphaflegatlnsvexti,svoogtmabil,skilyrWiogmlsmeWferWviW # breytingutlnsvxtum.GildimismunanditlnsvextirviWmismunandiaWstWur,  $ skalgefaWurnefndarupplUsingarumYalla,i(mCp݌!W% Ќ  "i(m"  i(m2Eh  g  .3  Ԉ0    rleghlutfallstalakostnaWarogheildarfjrhWsemneytandigreiWir,reiknaWumleiWog J""& lnssamningurergerWur.TilgreinaskalallarforsendursemerunotaWarviWtreikning #' hlutfallstlu,i(m݌#( Ќ  "i(m"  i(m2Eh  h  .3  Ԉ0    & a fjrhW,fjldiogtWnigreiWslnasemneytandiYarfaWstandaskilog,efviW,meW $ ) hvaWahttigreiWslumverWurskipthinarUmsutistandandiskuldirmeWmismunandi v%N!* tlnsvxtumYegarumendurgreiWslueraWrWa,'a$/i(m݌A&"+ Ќ  "i(m"  i(m2Eh  i  .3  Ԉ0    sumaWrWalnssamningmeWfstumendurgreiWslutmaYarsemhfuWst;lllnsins  '", ergreiddurniWur,rtturneytandatilaWfafhent,samkvmtbeiWnioghonumaWkostn '#- aWarlausu,hvenrsemergildistmalnssamnings,reikningsyfirlitforminiWur ( greiWslutflu.TaflanskalsUnagreiWslursemYarfaWinnaafhendiogtmabilogskilyrWi  varWandigreiWslurslkrafjrhWa.0tflunniskalkomaframsundurliWunallragreiWslna  semsUnirniWurgreiWsluhfuWst;ls,vextisemerureiknaWirgrundvellitlnsvaxtaog, a efviW,allanviWb;tarkostnaW.SekkiumfastavextiaWrWaeWaviWb;tarkostnaWsem T, kannaWverWabreyttsamkvmtlnssamningiskalkomaframniWurgreiWslutflu,  skUranoghnitmiWaWanhtt,aWggnintflunnihaldistaWeinsgildiYartiltlnsvxt  umeWaviWb;tarkostnaWierbreyttsamrmiviWlnssamning,i(m݌  Ќ  "i(m "  i(mM2Eh  j  .3  Ԉ0    yfirlitsemsUnirtmabilogskilyrWifyrirgreiWsluvxtumogtengdumkostnaWi,fstum  X eWatilfallandi,efgreiWaskalkostnaWogvextinYessaWhfuWst;llsniWurgreiddur,i(mMz݌K #  Ќ  "i(m "  i(m2Eh  k  .3  Ԉ0    efviW,kostnaWurviWaWhafaeinaeWafleirilnalnurYarsembWigreiWslufrslurog    nUtinglnaeruskrW,nemavalfrjlstsaWopnalnalnu,samtkostnaWiviWnotkun    greiWsluleiWabWifyrirgreiWslufrslurognUtingulna,ogannarkostnaWurvegna   lnssamningsogforsendurfyrirYvaWunntsaWbreytaYessumkostnaWi,i(mA݌wO  Ќ  "i(m "  i(m2Eh  l  .3  Ԉ0    gildandivextirYegarumeraWrWagreiWslueftirgjalddagasemgildaYeimtmaYegar B  lnssamningurergerWurogfyrirkomulagviWbreytinguYeimog,efviW,kostnaWur    semgreiWaYarfvegnavanskila,i(m݌  Ќ  "i(m "  i(m[[2Eh  m  .3  Ԉ0    afleiWingarvegnavangoldinnagreiWslna,i(m݌{  Ќ  "i(m "  i(m2Eh  n  .3  Ԉ0    efviW,kostnaWursemneytandikannaWYurfaaWgreiWavegnaYinglUsingareWaskrn nF ingarlnssamnings,i(m݌9 Ќ  "i(m"  i(m;2Eh  o  .3  Ԉ0    efviW,tilskildarvtryggingarogtryggingar,i(m;h݌ Ќ  "i(m"  i(mJ2Eh  p  .3  Ԉ0    rtturtilaWfallafrsamningi,tmabiliWYegarnUtamYannrttognnurskilyrWium  nUtinguna,Y.m.t.upplUsingarvarWandiYskuldbindinguneytandaaWgreiWaYaWfjr r magnsemhefurveriWgreitttogvextinasamrmiviWb-liW3.mgr.16.gr.ogvaxta e= fjrhWinasemfellurtilgreiWsluhverndag,i(mJw݌0 Ќ  "i(m"  i(m2Eh  q  .3  Ԉ0    upplUsingarvarWandirttsemleiWiraf17.gr.,svoogskilyrWinfyrirnUtinguYessrttar,i(m݌ Ќ  "i(m"  i(m2Eh  r  .3  Ԉ0    rtturtilgreiWslufyrirgjalddagaskv.18.gr.,mlsmeWferWviWgreiWslufyrirgjalddaga  og,efviW,upplUsingarumrttlnveitandatilb;taoghvaWahttYrbturverWa i kvarWaWar,i(mJ݌\4 Ќ  "i(m"  i(m2Eh  s  .3  Ԉ0    mlsmeWferWsemfylgjaskalviWuppsgnlnssamnings,i(m3݌' Ќ  "i(m"  i(m 2Eh  t  .3  Ԉ0    hvortfyrirhendisukruleiWirutand;mst;lafyrirneytendurog,efsvoer,hverjarYr  su,i(m M݌ Ќ  "i(m"  i(mz2Eh  u  .3  Ԉ0    efviW,aWrirsamningsskilmlarog-skilyrWi,i(mz݌`  Ќ  "i(m"  i(m2Eh  v  .3  Ԉ0    efviW,nafnogheimilisfangYartilbrraeftirlitsyfirvalda.i(m݌S+! Ќ   _ikmo(JT086j  Xegari-liWur2.mgr.viWskallnveitandiltaneytandahafaniWurgreiWslutflu,honum " aWkostnaWarlausu,hvenrsemergildistmalnssamnings. #   XegarumeraWrWalnssamningYarsemgreiWslurneytandaleiWaekkiYegarstaWtil  $ samsvarandilkkunarheildarfjrhWlnsinsheldurerunotaWartilaWhkkaeWaviWhalda !W% hfuWst;ltmabilumogviWaWstWursemmlterfyrirumlnssamningieWaviWb;tar J""& samningiskuluupplUsingarnar,semgerWerkrafaum2.mgr.,felasrskUraroghnit #' miWaWaryfirlUsingarumaWslkirlnssamningartryggiekki&  endurgreiWsluheildarfjrhW #( lnssemergreiddtsamkvmtlnssamningi,nemaslk'#hԀbyrgWssrstaklegaveitt. $ )   XegarumeraWrWalnssamningformiyfirdrttarheimildarskv.1.mgr.2.gr.skaltil v%N!*  greinaeftirfarandiskUranoghnitmiWaWanhtt: A&"+  3(5h80_ikmo"i(m"  i(m25h  a  .3  Ԉ0    & a  tegundlns,i(m݌( Ќ  "i(m"  i(m25h  b  .3  Ԉ0    nafn,kennitluogheimilisfangsamningsaWilaog,efviW,nafn,kennitluogheimilis  fanglnamiWlara,'a($i(m݌ Ќ  "i(m"  i(m25h  c  .3  Ԉ0    gildistmalnssamnings,i(m-݌a Ќ  "i(m"  i(m25h  d  .3  Ԉ0    heildarfjrhWlnsogskilyrWifyrirnUtingu,i(m"݌T, Ќ  "i(m"  i(m 25h  e  .3  Ԉ0    tlnsvexti,skilyrWisemgildaumbeitingutlnsvaxtaog,efviW,vsitlueWaviW  miWunarvextisemgildaumupphaflegatlnsvexti,svoogtmabil,skilyrWiogmls  meWferWviWbreytingutlnsvxtum.EfmismunanditlnsvextirgildaviWmismun   andiaWstWurskuluWurnefndarupplUsingarveittarumallagildandivexti,i(m 6݌ X Ќ  "i(m"  i(m25h  f  .3  Ԉ0    rlegahlutfallstlukostnaWarogheildarlntkukostnaWneytanda,reiknaWYeimtma K #  YegarlnssamningurergerWur.AllarforsendursemerunotaWartilaWreiknaYvexti    semumergetiW4.!5.mgr.21.gr.tengslumviWa-ogg-liW4.gr.skulunefndar,i(m݌   Ќ  "i(m"  i(m25h  g  .3  Ԉ0    upplUsingarumaWhvenrsemermegikrefjaneytandaumendurgreiWsluallrarlns   fjrhWar,i(m݌wO  Ќ  "i(m"  i(m25h  h  .3  Ԉ0    skilyrWifyrirYvaWnUtarttskv.16.gr.tilaWfallafrlnssamningi,ogi(mJ݌B  Ќ  "i(m"  i(mW25h  i  .3  Ԉ0    upplUsingarumYannkostnaWsemverWurfrYeimtmaerslkirsamningarerugerWir    og,efviW,skilyrWifyrirbreytinguYeimkostnaWi.i(mW݌  Ќ   _ikmo(JT08 3   13.gr. nF UpplUsingarumtlnsvexti. 9 w  UpplUsaskalneytandaumallarbreytingartlnsvxtum,pappreWaWrumvaran  legummiWli,Wurenbreytingtekurgildi.0upplUsingumskulukomaframYrfjrhWirsem  greiWaskaleftirgildistkunUrratlnsvaxtaog,effjldieWatWnigreiWslnabreytist,upp r lUsingarumYaW. e=   SamningsaWilargetaY;komiWsrsamanumYaW,lnssamningi,aWveitaskulineytanda 0 upplUsingarskv.1.mgr.,meWkveWnumillibiliYegarbreytingartlnsvxtumeruaf  vldumbreytingaviWmiWunargengi,viWmiWunarvxtumeWavsitlumogupplUsterumhiW  nUjaviWmiWopinberlegaviWeigandihttogYaWgertlntakaaWgengilegthjlnveitanda. i   14.gr. ' SkuldbindingartengslumviWyfirdrttarheimild.    EflnssamningurfelursrlnformiyfirdrttarheimildarskalupplUsaneytandareglu  legaumYaWmeWreikningsyfirliti,pappreWameWWrumvaranlegummiWli,semhefuraW `  geymaupplUsingarumeftirfarandi: S+!  6(Eh80_ikmo"i(m"  i(m2Eh  a  .3  Ԉ0    nkvmlegatilgreinttmabilsemreikningsyfirlitiWtekurtil,i(m݌" Ќ  "i(m"  i(m2Eh  b  .3  Ԉ0    fjrhWirogdagsetningarnUtingar,i(m4݌# Ќ  "i(m"  i(m 2Eh  c  .3  Ԉ0    stWufyrrareikningsyfirlitisamtdagsetningu,i(m 9݌ $ Ќ  "i(m"  i(m2Eh  d  .3  Ԉ0    nUjastWu,i(mJ݌!W% Ќ  "i(m"  i(m 2Eh  e  .3  Ԉ0    dagsetningarogfjrhWirgreiWslnaneytanda,i(m 7 ݌J""& Ќ  "i(m"  i(m 2Eh  f  .3  Ԉ0    gildanditlnsvexti,i(m F ݌#' Ќ  "i(m"  i(m 2Eh  g  .3  Ԉ0    kostnaWsemfalliWhefurtil,&  ogi(m 7 ݌#( Ќ  "i(m"  i(m 2Eh  h  .3  Ԉ0    efviW,lgmarksfjrhW'# ԀgreiWslu.i(m E ݌$ ) Ќ   _ikmo(JT086i  AukYessskalveitaneytandaupplUsingar,pappreWameWWrumvaranlegummiWli,um v%N!* hkkuntlnsvaxtaeWaannarskostnaWarWurenbreytingintekurgildi.SamningsaWilargeta A&"+ Y;komiWsrsamanumYaW,lnssamningi,aWupplUsingarnarvarWandibreytingartlns  '", vxtumsuveittarYannhttsemkveWiWerum1.mgr.Yegarbreytingartlnsvxtum '#- eruafvldumbreytingaviWmiWunargengi,viWmiWunarvxtumeWavsitlumogupplUster ( umhiWnUjaviWmiWopinberlegaviWeigandihttogYaWgertlntakaaWgengilegthjln  veitanda.    15.gr. T, Opnirlnssamningar.    Neytandigeturhvenrsemersagtuppopnumlnssamningi,sraWkostnaWarlausunema  samningsaWilarhafikomiWsrsamanumuppsagnartmabil.Slkttmabilskalekkivera   lengraeneinnmnuWur.Lnveitandigetur,efkveWiWerumslktlnssamningi,sagtupp  X opnumlnssamningimeWYvaWveitaneytandaa.m.k.tveggjamnaWauppsagnarfrest K #  pappreWameWWrumvaranlegummiWli.      Lnveitandigetur,efkveWiWerumslktlnssamningi,afstWumsemerurkstuddar    hlutlganhtt,sviptneytandarttitilnUtingaropnumlnssamningi.Lnveitandiskal   upplUsaneytandafyrirframumfyrirhugaWasviptinguogstWurhennarpappreWameW wO  WrumvaranlegummiWli.Ef;mgulegteraWupplUsaneytandaWurensviptingsrstaW B  skalYaWgertstraxeftiraWhnhefurttsrstaW.      16.gr. {  RtturtilaWfallafrsamningi. nF   Neytandihefur14almanaksdagafresttilaWfallafrlnssamninginYessaWtilgreina 9 stWu.    FresturtilaWfallafrsamningihefst:   6(Eh80_ikmo"i(m"  i(m2Eh  a  .3  Ԉ0    YanndagsemlnssamningurinnergerWur,eWai(m݌r Ќ  "i(m"  i(m2Eh  b  .3  Ԉ0    Yanndagerneytandaberastsamningsskilmlarog-skilyrWiogupplUsingarsamrmi e= viW12.gr.efsdagurersWarendagurinnsemumgetura-liW.i(m݌0 Ќ   _ikmo(JT086  EfneytandinUtirrttsinntilaWfallafrsamningiskalhann:   3(5h80_ikmo"i(m"  i(m25h  a  .3  Ԉ0    tilkynnalnveitandaYaWfyrirYautmamrksemumgetur1.mgr.,samrmiviWYaW  semkveWiWerumsamningi,sbr.p-liW2.mgr.12.gr.,meWsannanlegumhtti. i FresturtelsthafaveriWvirtureftilkynningersendWurenfresturinnrennurt,pappr \4 eWaWrumvaranlegummiWlisemlnveitandihefuraWgangaW,i(m݌' Ќ  "i(m"  i(m825h  b  .3  Ԉ0    greiWalnveitandahfuWst;l,fallnavextiogverWbturfrYvaWlniWvargreitttog  tilYessdagsYegarhfuWst;llerendurgreiddur,n;YarfatafaogeigisWaren30alm  anaksdgumeftiraWhannsendirlnveitandatilkynninguumaWhannhyggistfallafr `  samningi.ReiknaskalvextigrundvellitlnsvaxtasemsamningurkveWurum.i(m8e݌S+! Ќ   _ikmo(JT083+  LnveitandiekkirttWrumb;tumfrneytandasemfellurfrsamningiennemur " ;afturkrfumlgboWnumgjldumsemlnveitandihefurgreitttilhinsopinbera.Sum # veWlnaWrWalnveitandiY;rttkostnaWiviWskjalagerW,semfariWhefurfram,einsog  $ verWskrlnveitandagerirrWfyrirhverjusinni. !W%   EfviWb;tarYj;nustaerveitttengslumviWlnssamning,annaWhvortaflnveitandasjlf J""& umeWaYriWjaaWilagrundvellisamningsviWlnveitanda,erneytandiekkilengurbundinn #' afsamningiumslkaviWb;tarYj;nustunUtihannrttsinntilaWfallafrsamningisamkvmt #( Yessarigrein. $ )   EfneytandirttYvaWfallafrsamningiskv.1.,3.og4.mgr.skalIII.kaflilaganr. v%N!* 33/2005,umfjarslufjrmlaYj;nustu,og8.gr.laganr.46/2000,umhsgngu-ogfjar A&"+ slusamninga,ekkigilda.  '",  '#-   17.gr. ( Tengdirlnssamningar.  &  XegarneytandihefurnUttrttsinntilaWfallafrsamningiumafhendinguvrueWa  Yj;nustuerhannekkilengurbundinntengdumlnssamningi. a   EfvaraeWaYj;nustasemfellurundirtengdanlnssamningerekkiafhent,eWaaWeins T, afhentaWhlutatil,eWaerekkisamrmiviWsamningumslkaafhendingu,neytandirtt  YvaWbeitarrWumgegnlnveitanda,efhannhefurbeittrrWumgegnYeimsem  afhendirvrueWaYj;nustu,enekkifengiWYrlausnsemhannrttsamkvmtlgumeWa   samningiumafhendinguvrueWaYj;nustu.  X   TilYessaWneytandigetileitaWrrWagagnvartlnveitanda,sbr.2.mgr.,Yarfeittaf K #  eftirtldumskilyrWumaWverauppfyllt:     6(Eh80_ikmo"i(m"  i(m*2Eh  a  .3  Ԉ0    ekkiermgulegtaWhafauppseljanda,i(m*+݌   Ќ  "i(m"  i(m+2Eh  b  .3  Ԉ0    bseljandahefurveriWtekiWtilgjaldYrotaskipta,i(m+,݌  Ќ  "i(m"  i(m,2Eh  c  .3  Ԉ0    seljandahefurveriWveittheimildtilaWleitanauWasamnings,eWai(m,&-݌wO  Ќ  "i(m"  i(m#.2Eh  d  .3  Ԉ0    lj;shefurkomiWviWaWfarargerW,aWseljandigetieigigreittskuldirsnar.i(m#.P.݌B  Ќ   _ikmo(JT086Y*  Mguleikarneytendatilfullnustugagnvartkrfuhafaskv.2.mgr.takmarkastviWfjrhW    lnaYeimtmasemkrafaumrbturergerW.NeytandiYarfaWhafalUstkrfuYeim   tilfellumsembeWacliWurviW. {    RtturneytandatilaWbeitarrWumgegnlnveitanda,sbr.2.mgr.,nrekkitilfasteigna nF lna.   9   18.gr.  EndurgreiWslafyrirgjalddaga. r 1  NeytandaerheimiltaWstandaskilskuldbindingumsnumsamkvmtlnssamningi,aW e= lluleytieWaaWhluta,fyrirYanntmasemumsaminner.NotfrineytandisrheimildYessa 0 hannrttlkkunheildarlntkukostnaWisemnemurvxtumogWrumgjldumsem  greiWattieftirgreiWsludag.    XegarumeraWrWagreiWslufyrirgjalddagalnveitandirttYvaWfsanngjarnar i btur,uppgreiWslugjald,sembyggisthlutlgumgrunnivegnakostnaWarsemhannhefur \4 orWiWfyrirogtengistbeintgreiWslufyrirgjalddaga,aWYvtilskilduaWgreiWslanfyrirgjald ' dagasgerWtmabiliYarsemtlnsvextirerufastir.    UppgreiWslugjaldmekkifarayfir1%affjrhWendurgreiWslu,eflengritmieneittr  ermilligreiWslunnaroglokalnstmasamkvmtsamningiaWila.EfeittreWaminnaer `  eftirafsamningstmamuppgreiWslugjaldiWekkifarayfir0,5%affjrhWendurgreiWsl S+! unnar. "   UppgreiWslugjaldmY;aWhmarkiverasvaxtafjrhWsemneytandimundihafagreitt # lnveitandatmabilinufrgreiWslufyrirgjalddagaogtillokalnstmasamkvmtsamningi  $ aWila. !W%   EkkierheimiltaWkrefjastuppgreiWslugjalds: J""&  3(5h80_ikmo"i(m"  i(m7925h  a  .3  Ԉ0    &  efgreiWslahefurttsrstaWsamkvmtvtryggingarsamningisemertlaWaWtryggja #' greiWslulnsins,'#9i(m79d9݌#( Ќ  "i(m"  i(m:25h  b  .3  Ԉ0    YegarumeraWrWayfirdrttarheimild,sbr.q-liW1.mgr.5.gr.,i(m::݌$ ) Ќ  "i(m"  i(m;25h  c  .3  Ԉ0    eflnberbreytilegavexti,i(m;<݌v%N!* Ќ  "i(m"  i(m<25h  d  .3  Ԉ0    efstWauppgreiWsluergjaldfellinglnsafhlfulnveitanda,eWai(m< =݌A&"+   "i(m"  i(m>25h  e  .3  Ԉ0    efuppgreiWslanemurlgrifjrhWen1.000.000kr.rsgrundvelli.i(m>?>݌ '", Ќ   _ikmo(0838  &   0YeimtilvikumsemheimilteraWkrefjastuppgreiWslugjaldsskalkveWiWumslktlns ( samningi,'(?Ԁsbr.r-liW2.mgr.12.gr.TilgreinaskalupplUsingarumhverniguppgreiWslugjald  erreiknaWtoghvenrYaWfellur.    & a 19.gr. T, Framsalrttar.  2A  Eflnveitandiframselurkrfurttsinn'aT>AԀtilYriWjaaWilasamkvmtlnssamningi,eWasamn  inginnsjlfan,neytandirttYvaWhaldauppismum;tbrumgegnframsalshafasem   hanngatnUttsrgagnvartupphaflegumlnveitanda,Y.m.t.rtttilskuldajafnaWar.  X   UpphaflegurlnveitandiskalupplUsaneytandaumframsalsemumgetur1.mgr.nema K #  YegarupphaflegurlnveitandiheldurframlnsYj;nustusinniviWneytandameWsamkomu    lagiviWframsalshafa.      20.gr. wO  :heimillyfirdrttur. B  CD  XegarumeraWrWasamningumopinntkkareikningYarsemmguleikierYvaWneyt    andigetistofnaWtil;heimilsyfirdrttarskuluaukYessverasamningnumupplUsingarskv.   e-liW1.mgr.8.gr.LnveitandiskalllumtilvikumveitaYrupplUsingarreglulegapappr {  eWameWWrumvaranlegummiWli. nF   Lnastofnunumer;heimiltaWinnheimtakostnaWvegna;heimilsyfirdrttarafveltu 9 reikningiefslkgjaldtakasrekkistoWsamningi.KostnaWurvegna;heimilsyfirdrttar  skalverah;flegurogendurspeglakostnaWvegna;heimilayfirdrttarins.    SumrWa;heimilanyfirdrttaWfjrhW30.000kr.lengritmaeneinnmnuWskal r lnveitandiYegarstaWveitaneytandaupplUsingar,pappreWameWWrumvaranlegum e= miWli,um: 0  6(Eh80_ikmo"i(m"  i(mxI2Eh  a  .3  Ԉ0    yfirdrttinn,i(mxII݌ Ќ  "i(m"  i(mbJ2Eh  b  .3  Ԉ0    fjrhWinasemumeraWrWa,i(mbJJ݌ Ќ  "i(m"  i(meK2Eh  c  .3  Ԉ0    tlnsvexti,i(meKK݌i Ќ  "i(m"  i(mNL2Eh  d  .3  Ԉ0    hverskonarviWurlg,drttarvextieWannurgjldvegnaskuldarinnar.i(mNL{L݌\4 Ќ   _ikmo(JT086H  V.KAFLI   rleghlutfallstalakostnaWar.   21.gr. `  BtreikningurrlegrihlutfallstlukostnaWar. S+! M  rleghlutfallstalakostnaWarerYaWvaxtagildisemjafnarnvirWiWafgreiWsluskuld " bindingumlnveitandaannarsvegarogneytandahinsvegarsamkvmtlnssamningiYeirra. # rlegrihlutfallstlukostnaWarskallUstsemrleguhlutfalliafheildarfjrhWsemneytandi  $ greiWir.SkalhnreiknuWtsamrmiviWstrWfrWilkansemnnarermltfyrirum !W% reglugerWerrWherrasetur. J""&   &  rleghlutfallstalakostnaWarskalreiknuWtYeimtmasemlnssamningurergerWur. #' ViW'#QtreikninghennarskalgengiWtfrYvaWlnssamningurgildiumsaminntmaogln #( veitandiogneytandistandiviWskuldbindingarsnarsamkvmtskilmlumsamningsins. $ )   EflnssamningurheimilarverWtryggingueWabreytinguvxtumeWaWrumgjldumsem v%N!* teljasthlutirlegrarhlutfallstlukostnaWar,enekkierunntaWmetahverjunemiYeimtma A&"+ semtreikningurergerWur,skalreiknatrlegahlutfallstlukostnaWarmiWaWviWYfor  '", senduaWverWlag,vextirognnurgjldverWi;breytttillokalnstmans. '#-   ViWtreikningrlegrihlutfallstlukostnaWarskalkvarWaheildarlntkukostnaWneyt ( anda.EkkiskulumeWtalintreikningimgulegviWurlgeWasektargreiWslurvegnavan  efnda.SlkthiWsamaviWumkostnaWsemfylgirkaupumvrueWaYj;nustu,hvortsem  kaupinfaraframgegnstaWgreiWslueWalni. a   KostnaWurviWaWviWhaldareikningiYarsembWigreiWslufrslurognUtinglnaeru T, skrW,kostnaWurviWnotkungreiWsluleiWafyrirbWigreiWslufrslurognUtingulnaogannar  kostnaWurtengslumviWgreiWslufrslurskalverainnifalinnheildarkostnaWiaflnitil  neytandanemavalfrjlstsaWopnareikningogkostnaWurviWreikninginnssrstaklegaog   greinilegatekinnframlnssamningieWaWrumsamningisemergerWurviWneytanda.  X   VI.KAFLI     LnamiWlarar.     22.gr.   SrstakarskuldbindingarlnamiWlaragagnvartneytendum. wO  X  LnamiWlariskal: B   3(5h80_ikmo"i(m"  i(mVZ25h  a  .3  Ԉ0    takaframauglUsingumogskjlum,semerutluWneytendum,hvertumboWhanss,    einkumhvorthannstarfareingngufyrireinneWafleirilnveitendureWasem;hWur   miWlari,i(mVZZ݌{  Ќ  "i(m"  i(m!\25h  b  .3  Ԉ0    ltaneytandavitaafY;knun,efeinhverer,semhannYarfaWgreiWalnamiWlarafyrir nF Yj;nustuhansogaWfyrirliggisamkomulagumhanamillineytandaoglnamiWlara 9 pappreWaWrumvaranlegummiWliWurenlnssamningurergerWur,i(m!\N\݌ Ќ  "i(m"  i(m>^25h  c  .3  Ԉ0    tilkynnalnveitanda,vegnatreikningsrlegrihlutfallstlukostnaWar,umY;knun,ef  einhverer,semneytandiYarfaWgreiWalnamiWlarafyrirYj;nustuhans.i(m>^k^݌r Ќ   _ikmo(JT083Y  VII.KAFLI 0  KaupmeWeignarrttarfyrirvaraogendurheimteignarrttar.   23.gr.  KaupmeWeignarrttarfyrirvara. i p`  EfsluhluturerseldurmeWeignarrttarfyrirvarageturlnveitandiendurheimthlutinn \4 grundvelliskriflegskaupsamningsYarsemskUrterkveWiWumeignarrttarfyrirvarann. ' SkilyrWiendurheimtareraWneytandisvanskilummeWafborganireWalnskostnaW.    XegarsluhluturerendurheimturskalviWuppgjrmilliaWilalnssamningsreynaaW  komastsemnstYvaWYeirverWijafnsettirogefviWskiptinhefWuekkittsrstaW. `    EfandvirWisluhlutarermeiraennemureftirstWvumlnssamningsskallnveitandi S+! endurgreiWaneytandamismuninn.EfandvirWisluhlutarerminnaskalneytandiendurgreiWa " lnveitandamismuninn. #   ViWmatandvirWisluhlutarskallitiWtilYesshvortrUrnunogslitsluhlutarseWlilegt  $ ogtilfrdrttarvaxtafrendurheimtudegitillokalnssamnings. !W%   &  KomiuppgreiningurumhvertsverWsluhlutaralmennummarkaWiskalhannt J""& kljWur'J"eԀmeWmatsgerWd;mkvaddsog;hlutdrgsmanns.MatsmaWurskalkveWahvernig #' httaWskuligreiWsluvegnakostnaWarviWmatiW. #(   24.gr. v%N!* Fleirieneinnhluturkeyptirsamkvmtsamasamningi. A&"+ 3g  NhafafleirieneinnhluturveriWkeyptirsamkvmteinumsamningioglnveitandi  '", leggurframkrfuumendurheimtYeirraoggeturneytandiYvaliWeinneWafleirihlutanna '#- =@ =  =  tilafhendingargegnYvaWgreiWaumleiWmismunandvirWisYeirrahlutasemhannheldur ( eftir.EfinneignlnveitandaerminnienandvirWiWneytandirttaWfmismuninngreidd  anumleiWoghlutirnireruafhentir.    &  NeytandigeturekkileysttilsnhlutefhannerrsafnieWasamstWusemlnveitandi a hefur'3jԀeinnigendurheimtfrneytandaogaWskilnaWurinnhefurfrmeWsrverulegarUrnun T, verWmtihlutanna.    VIII.KAFLI    TmiskvWi.   X 25.gr. K #  ReglugerWarheimild.    lk  RWherraseturreglugerWirum:     6(Eh80_ikmo"i(m"  i(ml2Eh  a  .3  Ԉ0    staWlaWeyWublaWsemlnveitandiskalnotatilaWveitaneytandaupplUsingarWuren   lnssamningurergerWur,sbr.2.mgr.7.gr.,i(mlm݌wO  Ќ  "i(m"  i(mrn2Eh  b  .3  Ԉ0    framkvmdlnshfis-oggreiWslumats,sbr.3.mgr.10.gr.,i(mrnn݌B  Ќ  "i(m"  i(mo2Eh  c  .3  Ԉ0    treikningrlegrihlutfallstlukostnaWar,sbr.1.mgr.21.gr.i(moo݌   Ќ   _ikmo(JT086gl  RWherraerheimiltaWkveWannarumframkvmdlagaYessarareglugerW.     26.gr. nF BreytingarfjrhWum. 9 q  FjrhWirsamkvmtlgumYessumbreytast1.janarrhvertsamrmiviWvsitlu  neysluverWs.    IX.KAFLI e=  Eftirlit,b;taskyldaoggildistaka.  0 27.gr.  Eftirlits-ogkvarWanavaldNeytendastofu.  r  NeytendastofaannasteftirlitmeWkvWumlagaYessara.kvWilagaumeftirlitmeW i viWskiptahttumogmarkaWssetningugildaumrrWiNeytendastofuogmlsmeWferW. \4   kvrWunumsemNeytendastofatekurgrundvellilagaYessaraverWurskotiWtilfrUj ' unarnefndarneytendamlasemstarfargrundvelli4.gr.laganr.62/2005,umNeytendastofu  ogtalsmannneytenda.    kvrWunNeytendastofuverWurekkiborinundird;mst;lafyrrenrskurWurfrUjunar `  nefndarneytendamlaliggurfyrir. S+!   NvillaWiliekkiunarskurWifrUjunarnefndarNeytendamlaoggeturhannYhfWaW " mltil;gildingarfyrird;mst;lum. #   MlskalhfWaWinnansexmnaWafrYvaWaWilifkkvitneskjuumrskurWfrUjunar  $ nefndar. !W%   MlshfWunfrestarekkigildistkurskurWarnefndarinnarnheimildtilaWfarar. J""&   28.gr. #( B;taskylda. $ ) kx  BrotlgumYessumgeturvaldiWskaWab;taskyldusamrmiviWalmennarreglurskaWa v%N!* b;tarttar. A&"+   & a GeramlgaWilaaWgreiWabturY;svoaWsksannistekkineinntiltekinnstarfsmann  '", lgaWilansefsUntYykiraWeinhverstarfsmaWurlgaWilanshafigerstbrotlegurviWkvWi '#-  lagaYessara.'a 'y (z$.   &   BtursemdmdarverWa,sbr.1.mgr.,minnheimtahjYeimeinstaklingisemdmdur ( erb;taskyldur'(zԀeWalgaWilaYeimsemhannstarfaWihjYegarbrotvarframiW.    & a 29.gr. a InnleiWing. T, {  LgYessifelasrinnleiWingutilskipun'a|ԀEvr;puYingsinsogrWsins2008/48/EBfr23.  aprl2008umlnssamningafyrirneytendurogumniWurfellingutilskipunarrWsins87/102/  EBEeinsoghnvartekinuppsamninginnumEvr;pskaefnahagssvWiWmeWkvrWun   sameiginleguEES-nefndarinnarnr.16/2009,fr5.febrar2009,sembirtvar19.mars2009  X EES-viWbtiviWStj;rnartWindiEvr;pusambandsinsnr.16/2009. K #    30.gr.    Gildistaka.   ~  LgYessiWlastgildi1.okt;ber2012.samatmafallargildilgumneytendaln,nr. wO  121/1994,meWsWaribreytingum. B    kvWitilbrWabirgWa.      kvWi13.!15.gr.,19.gr.og1.!3.mgr.20.gr.lagaYessaraskulugildaumopnalns {  samninga,sbr.15.gr.,semerugildiviWgildistkulagaYessara. nF   #dggAthugasemdirviWlagafrumvarpYetta.#ggd0  $ I.Inngangur.     Hinn25.ma2011skipaWiefnahags-ogviWskiptarWherranefndsemfaliWvarYaWverk r efniaWsemjafrumvarptilinnleiWingartilskipunEvr;puYingsinsogrWsins2008/48/EB e= umlnasamningafyrirneytendurogumniWurfellingutilskipunarrWsins87/102/EBE.0 0 nefndinavoruskipuWGuWmundurKriKrason,semjafnframtvarformaWurnefndarinnar,  GslirnKjartansson,samkvmttilnefninguFjrmlaeftirlitsins,HildigunnurHafsteins  d;ttir,samkvmttilnefninguNeytendasamtakanna,Oddur:lason,samkvmttilnefningu i Samtakafjrmlafyrirtkja,ogX;runnAnnarnad;ttir,samkvmttilnefninguNeytenda \4 stofu. '  II.Sgulegurbakgrunnur.   Fyrstuslenskulginumneytendaln. `    Lgnr.30/1993,umneytendaln,t;kugildi1.okt;ber1993.SetninglagannavarliWur S+! aWlgunslenskrarlggjafaraWevr;pskumrttitengslumviWaWild0slandsaWsamningnum " umEvr;pskaefnahagssvWiW(EES-samningurinn).Fyrirgildistkulagannavoruekkigildi # hrlandialmennlgumneytendaln.X;hfWufyrirYanntmaveriWlgWframAlYingi  $ frumvrpumafborgunarviWskiptisemekkinWuframaWganga.MeWaWild0slandsaWEES- !W% samningnumvarnauWsynlegtaWaWlagaslenskarlagaregluraWregluverkiEvr;pusambands J""& inssviWineytendalna.MeWlgunumvartilskipunrWsins87/102/EBEumsamrmingu #' lgumogstj;rnsUslufyrirmlumaWildarrkjannavarWandineytendaln,einsoghennivar #( breyttmeWtilskipunrWsins90/88/EBE,innleidd. $ )   TilgangurinnmeWtilskipun87/102/EBEvaraWsamrmareglurlggjfaWildarrkja v%N!* sviWineytendalna,einkumreglurumupplUsingagjfviWlnveitingu.LggjfsviWi A&"+ neytendalnavarnokkuW;lkaWildarrkjunumsemleittgattilrskunarsamkeppni  '", neytendalnamarkaWiogmisjafnrarrttarstWuneytendamilliaWildarrkja. '#-   Samkvmt2.gr.tilskipunarinnarvoruvissartegundirlnssamningaundanYegnargildis ( sviWitilskipunarinnar,svosemfasteignakaupalnoglnaWlgrifjrhWen200_ECU_  (forverievrunnar)ogaWhrrifjrhWen20.000_ECU_.ViWsetningulagannavarekkitalin  stWatilaWfellafleiritegundirlnssamningaundirlginheldurengildissviWtilskipunar a innart;ktil,Y.e.utanYessaWhmarksfjrhWlnasemflluundirgildissviWlagannavar T, kveWin1.500.000kr.  Breytingarlgumnr.30/1993(nlgnr.121/1994).     ViWgildistkulaganr.30/1993komustraxlj;sUmisvandkvWiviWframkvmdYeirra.  X MeWtillititilYeirraannmarkaf;lviWskiptarWherrastarfsh;pin;vember1993aWfarayfir K #  YaukvWisemvaldiWhfWuvandkvWumframkvmd.0starfsh;pnumvorufulltrarfr    bnkumogsparisj;Wum,VerslunarrWi0slands,0slenskriverslun,_Samkeppnisstofnun_,Neyt    endasamtkunumogfrrWuneytinu.grundvellivinnunefndarinnarvarlagtframfrum   varptilbreytingalgumnr.30/1993semsamYykktvarAlYingihinn6.ma1994.Helstu wO  breytingarsemlginkvWuumvorueftirfarandi: B   =(uh80_ikmo"i(m"  i(m2uh  1  .3  Ԉ0    SkerptvarkvWum18.gr.lagannaumtrygginguvegna_vanefndakrafna_Ԁtengslum    viWframsal_viWskiptabrfa_.i(mՒ݌  Ќ  "i(m"  i(mN2uh  2  .3  Ԉ0    XvarnotkunhugtakakvWumlagannasamrmdogbttviWkvWiumeftirlitmeW {  framkvmdlaganna.i(mN{݌nF Ќ  "i(m"  i(m2uh  3  .3  Ԉ0    RWherravarveittalmennheimildtilaWtfrannarkvWilaganna.i(mߕ݌9 Ќ  "i(m"  i(mܖ2uh  4  .3  Ԉ0    Lginvoruendurtgefinsemlgnr.121/1994,um_neytendaln_.i(mܖ ݌ Ќ   _ikmo(JT08='  MeWlgumnr.179/2000vorugerWarallnokkrarbreytingarlgumnr.121/1994grund  velli_fenginnar_Ԁreynslu.XvoruliWinrmsexrfrsetningulagannaoghafWiframboW r lnumtilneytendavaxiWmikiWYeimtma,semogheildarfjrhWeinstakralna.AfYeim e= stWumY;ttinauWsynlegtaWgeraeftirfarandibreytingarlgunum: 0  ;(eh80_ikmo"i(m"  i(m2eh  1  .3  Ԉ0    FelltvarbrottkvWisemundanskilurlnssamningaaWhrrifjrhWen1.500.000kr.  gildissviWilaganna.i(mE݌ Ќ  "i(m"  i(m~2eh  2  .3  Ԉ0    _Fasteignaln_ԀvorufelldundirgildissviWlaganna,enviWathugunkomlj;saWannars i staWarNorWurlndunumfllu_lnveitendur_ԀsemveittulnmeWveWifasteigntillengri \4 tmaundirkvWilagaum_neytendaln_.stWulaustY;ttiaWundanskiljaslkaaWila ' kvWumlagannaogYeimskyldumsemlginkveWaum.i(m~݌ Ќ  "i(m"  i(me2eh  3  .3  Ԉ0    JafnframtvarkveWiWaW_yfirdrttarln_ԀskyldufallaundirgildissviWlaganna,ensr  kvWivarsettsemkvaWumsrstakarskyldurlnveitandameWtillititileWlisslkra `  lnssamninga.i(me݌S+! 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GreiWslu-og_lnshfismat_. \4   Tilskipun2008/48/EBgerirkrfuumaW_lnshfi_ԀlntakasmetiWWurengengiWerfr ' lnssamningi.EkkierkveWiWummeWhvaWahtti_lnshfi_ԀskulimetiWheldureraWildar  rkjumveittfrelsitilYessaWkveWaslktsjlf.HrlandihefurlengiviWgengistaWsrstakt  _greiWslumat_ԀsframkvmtviW_lntku_,srlagivegna_fasteignalna_.LagtertilaWYeirri `  framkvmdveriWhaldiWframvegna_lnveitinga_ԀsemfarayfirkveWnafjrhW,envegna S+! lgrifjrhWaverWisvonefnt_lnshfismat_ԀltiWngja.LagWarerukveWnarlnurumfram " kvmdgreiWslu-og_lnshfismats_Ԁfrumvarpinu,engerterrWfyriraWrWherrahafiheimild # tilaWsetjakvWireglugerWsemkveWannarumgerWslkramata.  $  V.Helstubreytingarfrgildandilgum.  J""&  ;(eh80_ikmo"i(m"  i(mX2eh  1  .3  Ԉ0    LagtertilaWgildissviWlagaum_neytendaln_ԀverWi_tvkkaW_ԀfrYvsemner.Samn #' ingaraWlgrifjrhWen15.000kr.verWiekkilengurundanskildirogslkthiWsama #( viWumsamningasemgildaskemmritmaenYrjmnuWi,nemaYeirberijafnframt $ ) lgrirlegahlutfallstlukostnaWarenmeWaltal_innlnsvaxta_Ԁalmennra_sparisj;Wsb;ka_ v%N!* samkvmt_vaxtatflu_ԀSeWlabankans.i(mX݌A&"+ Ќ  "i(m"  i(m2eh  2  .3  Ԉ0    0frumvarpinuerupplUsingaskyldalnveitandaaukinnokkuWogerukvWiumYr  '", upplUsingarsemveitaskalauglUsingum(6.gr.),fyrirsamningsgerW(7.!9.gr.)ogviW '#- samningsgerW(12.gr.)tarlegriheldurenYekksthefurviWveitingu_neytendalna_Ԁhr ( lendis.i(m݌ Ќ  "i(m"  i(m;2eh  3  .3  Ԉ0    010.gr.frumvarpsinserlagttilaWlnveitandaverWiskyltaWframkvma_lnshfismat_,  og_greiWslumat_Ԁeftiratvikum,vegnaallra_lnveitinga_Ԁtilneytendasemfallaundirgildis a sviWfrumvarpsins.i(m;h݌T, Ќ  "i(m"  i(mw2eh  4  .3  Ԉ0    Samkvmt16.gr.frumvarpsinsmun_neytandi_Ԁhafa14_almanaksdaga_ԀfresttilaWfalla  frlnssamninginYessaWtilgreinastWu.SlkrttindihafahingaWtilaWeinsttviW  umlnssamningasemkomiWermeW_fjarslu_,sbr.11.gr.laganr.33/2005,um_fjarslu_   fjrmlaYj;nustu.i(mw݌ X Ќ  "i(m"  i(mI2eh  5  .3  Ԉ0    0ngildandilgumum_neytendaln_ԀeraWfinnakvWiumendurgreiWslufyrirgjalddaga K #  ogYaWgjaldsemlnveitandaerheimiltaWinnheimtatengslumviWslkagreiWslu.0    frumvarpiYessuerkveWiWumsrstaka_reiknireglu_ԀsemaWtryggjaaW_uppgreiWslu    gjald_ԀnemialdreihrrifjrhWen1%affjrhWendurgreiWslu,eflengritmieneittr   ermilligreiWslunnaroglokalnstmasamkvmtsamningiaWila.EfeittreWaminna wO  ereftiraf_samningstma_Ԁm_uppgreiWslugjaldiW_Ԁekkifarayfir0,5%affjrhW_endur B  greiWslunnar_._UppgreiWslugjald_ԀmY;aWhmarkiveras_vaxtafjrhW_Ԁsem_neytandi_    mundihafagreittlnveitandatmabilinufrgreiWslufyrirgjalddagaogtillokalns   tmasamkvmtsamningiaWila.JafnframterkveWiWumaW;heimiltsaWinnheimta {  _uppgreiWslugjald_Ԁvegnalnssamningasemberabreytilegavexti.i(mIv݌nF Ќ  "i(m"  i(m2eh  6  .3  Ԉ0    03.mgr.17.gr.og18.gr.laganr.121/1994,um_neytendaln_,erfjallaWumYautilfelli 9 erseljandiveitirlnfyrirkaupum.03.mgr.17.gr.lagannasegiraWef_neytandi_Ԁkrfu  hendurlnveitanda,semjafnframterseljandi,vegnakaupa,t.d.vegnagalla,er_fram  salshafi_Ԁ_meWbyrgur_Ԁlnveitanda.0frumvarpinuerekkikveWiWum_meWbyrgW_Ԁ_fram r salshafa_.01.mgr.18.gr.segiraWseljandisemveitirneytandalnformi_viWskiptabrfs_ e= skulitakatrygginguvegnahugsanlegrar_vanefndakrfu_ԀneytandavegnaYeirraviWskipta 0 semaWbaki_viWskiptabrfinu_Ԁstanda.0frumvarpinuerekkifjallaWum_tryggingarskyldu_  seljandaYegarhannveitirneytandalntilvrueWaYj;nustukaupaformi_viWskipta  brfs_.i(m݌i Ќ  "i(m"  i(m2eh  7  .3  Ԉ0    0frumvarpinuerfjallaWumsvokallaWa?tengdalnssamninga semskilgreindirerusem \4 ?[_l]nssamningur_ԀYarsemviWkomandilnYj;nareingnguYeimtilgangiaWfjrmagna ' samningumveitingusrstakrarvrueWasrstakrarYj;nustu8 kvWumfrumvarpsins  umtengdalnssamningaertlaWaWtryggjatvennt;fyrstalagiaW_neytandi_Ԁsekki  bundinnaftengdumlnssamningiefhannnUtirsrrttsinntilYessaWfallafrsamningi `  umafhendinguvrueWaYj;nustuogWrulagiaWefvaraeWaYj;nustasemfellurundir S+! tengdan_lnssamning_ԀerekkiafhentaWfullusamrmiviWsamningaaWilaYarumhafi " _neytandi_ԀrtttilaWleitavissrarrWagagnvartlnveitandaefhannhefurrangurslaust # reyntaWleitarrWagagnvartseljandaenekkihafterindisemerfiWi.i(m݌ $ Ќ  "i(m"  i(m; 2eh  8  .3  Ԉ0    0frumvarpinueraWfinnaskUrarikvWium_;heimilan_Ԁ_yfirdrtt_Ԁog20.gr.frumvarps !W% inserm.a.kveWiWumhvaWaupplUsingarveitaskalvegnaslkralnssamninga.i(m; h ݌J""& Ќ  "i(m"  i(m/ 2eh  9  .3  Ԉ0    011.gr.frumvarpsinseraWfinnaYaWnUmliaWsrstaklegaerfjallaWumrtt_lnveit #' enda_ԀfrWrumaWildarrkjumtilaWgangsaW_gagnasfnum_ԀviWlnveitinguyfirlanda #( mrisemnotuWerutilaWmeta_lnshfi_Ԁneytenda.JafnframtkemurframaWef_lns $ ) ums;kn_ԀerhafnaWgrundvellislkrarleitargagnasafniskallnveitandiupplUsaneyt v%N!* andaYegarstaWoghonumaWkostnaWarlausuumniWurstWurslkrarleitar.i(m/ \ ݌A&"+ Ќ  "i(m "  i(m222eh  10  .3  Ԉ0    022.gr.frumvarpsinserYaWnUmliaWfjallaWersrstaklegaum_upplUsingaskyldur_  '", svokallaWra?_lnamiWlara_ ,bWigagnvartneytandaoglnveitanda.i(m݌'#- Ќ   _ikmo(JT08 ; VI.SamrW.  (   MeWtillititilYessaWfrumvarpYettavarsamiWafnefndsemskipuWvarafefnahags-og  viWskiptarWherraogsamanst;WaffulltrumhelstuhagsmunaaWilaogaWhnfelursr  innleiWingu_Evr;putilskipun_ԀsviWi_neytendalna_ԀsemkveWurumfullasamrmingu(e. a full_harmonisation_)taldirWuneytiWekkistWutilaW;skasrstaklegaeftirumsgnumfyrir T, YinglegameWferWfrumvarpsins.   VII.Mathrifum.      VerWifrumvarpYettaaWlgummunupplUsingaskylda_lnveitenda_ԀaukastnokkuWogYv  X mgerarWfyriraWYeirverWitmabundiWfyrirkostnaWaraukaviWaWuppfyllanUjarog K #  auknarkrfurfrumvarpsins.      TillengritmalitiWermgulegtaWmeWtilkomuaukinnarupplUsingagjafar_lnveitenda_    ogtarlegragreiWslu-og_lnshfismati_Ԁmuni_framtWarlntakar_ԀgreiWavextiogkostnaWaf   _lnveitingunni_ԀmeirasamrmiviWYhttusemsamfarahennier. wO    RttarstaWaneytendasemgera_;hagstWa_ԀlnssamningamunbatnaYarsemfrumvarpinu B  erkveWiWmeWskUrumhttiumrttYeirratilaWfallafrsamningiinnan14daga.      FrumvarpiWY;ttiekkikallasrstakaskoWunsamrmiviWstj;rnarskr.     AthugasemdirviWeinstakargreinarfrumvarpsins. nF @FFUmI.kafla. 9   LagtertilaWI.kaflafrumvarpsinsverWiinnleiddalmennkvWitilskipunar2008/  48/EB.UmgildissviWnUrralagaum_neytendaln_ԀverWifjallaW1.!3.gr.04.gr.verWikveWiW  umfrvikfrlgunum,meWWrumorWumaW;heimiltsaWvkjafrgildissviWilaganna r neytanda;hag.XverWimltfyrirumorWskUringar5.gr. e= @ Um1.gr.    LagtertilaW1.mgr.2.gr.tilskipunarinnarverWiinnleidd1.gr.frumvarpsins.    kvWi1.mgr.ersamhlj;Wa1.gr.laganr.121/1994,um_neytendaln_.Allarlnveitingar i atvinnuskynifallaundirfrumvarpiW,;hWYvhvortumkjarna-eWa_hliWarstarfsemi_ԀeraW \4 rWa.Lnveitingarfjrmlafyrirtkja,_0bWalnasj;Ws_,lfeyrissj;Waogannarratilneytenda ' fallaYvundirfrumvarpiW.  @ Um2.gr. `    LagtertilaW3.,4.og6.mgr.2.gr.tilskipunarinnarverWiinnleiddar2.gr.frumvarpsins. S+!   01.mgr.erfjallaWum_yfirdrttarheimildir_ԀsemgildaskemmritmaenYrjmnuWieWa " skalgreiWaYegarlnveitandikrefstYess.AWjafnaWiheyra_yfirdrttarheimildir_ԀYarsemln # veitandigeturkrafistendurgreiWsluhvenrsemertilundantekninga,endaeryfirleittkveWiW  $ umgildistmaheimildarsamningiaWilamilli. !W%   UmYlnssamningasemkvWiWtekurtilgildaekkillkvWifrumvarpsins.Berhr J""& helstaWnefnaaWekkiergerWkrafaumupplUsingarfyrirsamningsgerW,rtturtilaWgreiWa #' fyrirgjalddagaogfallafrsamningieigiviW,upplUsingarsemYurfaaWkomaframauglUs #( ingumogsamningieruekkieinstarlegarogekkiYarfaWtilkynnaumbreytingartlns $ ) vxtum_lnstmanum_. v%N!*   VerteraWtakaframaWYeimtilfellumsem_neytandi_ԀsamskiptumgegnumsmaviW A&"+ lnveitandaog;skareftirYvaWf_yfirdrttarheimild_,semfellurundir1.mgr.2.gr.,Yegar  '", staWY,ferumslktskv.6.mgr.8.gr.frumvarpsins.SkalYlnveitandilUsahelstuein '#- kennum_fjrmlaYj;nustunnar_Ԁsemskulua.m.k.felasrYauatriWisemumgeturcliW,e!f ( liWogh-liW2.mgr.8.gr.    02.mgr.erlagttilaWefum_;heimilan_Ԁ_yfirdrtt_ԀeraWrWagildiaWeinstilteknargreinar  frumvarpsins.VegnaeWlisslkralnavri_illframkvmanlegt_ԀaWltasmuskilyrWigildaum a YesshttarlnogaWrahefWbundnarilnssamninga.kvWifrumvarpsinsumupplUsingar T, auglUsingum,fyrirogviWsamningsgerW,ogumbreytingarvxtumeigaekkiviW.HiW  samaviWumkvWilagannaum_lnshfis_-og_greiWslumat_,aWgangaW&  gagnasafni,rtttil  aWfallafrsamningi,rtttilaWgreiWafyrirgjalddagaogframsalrttar.')     03.mgr.erfjallaWumsamningamillineytandaoglnveitandaumuppgjrskuldaef  X lnssamningurerkominnvanskil.Umslkasamninga,semuppfyllaskilyrWikvWisins, K #  gildaaWeinstilteknargreinarfrumvarpsins.UmlnssamningaYessagildaekkikvWifrum    varpsinsumupplUsingarWurensamningurergerWur,_lnshfis_-og_greiWslumat_,tengda    lnssamningaogframsalrttar.Einnigeru_upplUsingakrfur_ԀlnssamningitakmarkaWrien   ella. wO    04.mgr.ervsaWtilYessaWefsamningurskv.3.mgr.semfelursruppgjrskulda B  vegnalnssamningsvanskilumerveitturformi_yfirdrttarheimildar_Ԁskilningiq-liWar1.    mgr.5.gr.semgreiWaYarfinnanYriggjamnaWaeWaYegarlnveitandikrefstYessgilda   aWeinsYaukvWisemvsaWertil1.mgr.umsamninginn. {  @ Um3.gr. 9   0kvWinuerfjallaWumYsamningasemundanYegnirerugildissviWifrumvarpsins.  kvWiWfelursrinnleiWingu2.gr.tilskipunar2008/48/EB.    Uma-liW.kvWiWfelursrundanYguvegnasamningasemgildaskemmritmaen r YrjmnuWiogberalgrirlegahlutfallstlukostnaWarenmeWaltal_innlnsvaxta_Ԁalmennra e= _sparisj;Wsb;ka_Ԁsamkvmt_vaxtatflu_ԀSeWlabanka.Semdmium_lnssamning_Ԁsemfellur 0 undirkvWiWeruhefWbundinkreditkort(e._charge_Ԁ_cards_)semgefineruthrlandimeW  kveWnum_gjalddgum_,venjulegamnaWarlegaogYarfaWgreiWattektaWfullu.Samningur  umgreiWsludreifingueWa_raWgreiWslur_ԀtengslumviWkreditkortfallaaWjafnaWiekkiundir i _undanYguna_,endaberaslkirsamningaryfirleitthrrirlegahlutfallstlukostnaWaren \4 _innlnsvaxta_Ԁalmennra_sparisj;Wsb;ka_Ԁsamkvmt_vaxtatflu_ԀSeWlabankansaukYesssem ' _endurgreiWslutmi_ԀnemurgjarnanlengritmaenYremurmnuWum.Opnir_lnssamningar_,sbr.  14.gr.frumvarpsins,fallaekkiundirkvWiW.    Umb-liW.kvWiWersamhlj;Wab-liW1.mgr.2.gr.laganr.121/1994,um_neytendaln_. `    Umc-liW.kvWiWundanskilurlnssamningasemvinnuveitandiveitirstarfsmnnum S+! snum_hliWarstarfsemi_ԀaWuppfylltumkveWnumskilyrWum.MeW_hliWarstarfsemi_Ԁskilningi " YessakvWiserttviWstarfsemisemekkiereWlileguframhaldiafYeirri_kjarnastarfsemi_ # (e._core_Ԁ_business_)semaWilistundar.  $   Umd-liW.MeWkvWinuerlagttilaW_leigusamningar_ԀfalliutangildissviWsfrumvarpsins, !W% Y.e.aWundanskildum_eignaleigusamningum_Ԁumlausafogfasteignir,svosemkaup-,_fjr J""& mgnunar_-og_rekstrarleigusamningar_.UmeraWrWasmvgilegabreytingufrngildandi #' kvWid-liWar2.gr.lagaum_neytendaln_.EftiraWlgum_eignarleigustarfsemi_,nr.19/1989, #( vorufelldrgildierekkiaWfinnalggjfskilgreininguYeim_undirsamningum_Ԁsem $ ) almennutalierutaldirtileignaleigusamninga.HugtakiW_eignaleiga_ԀkemurvWafyrirs v%N!* lenskrilggjf,svosemlgumumfjrmlafyrirtki,_vaxtalgum_,lgumum_fjarslu_Ԁ A&"+ fjrmlaYj;nustuo.fl.03.tlul.1.mgr.3.gr.laganr.161/2002,umfjrmlafyrirtki,er  '", _eignaleiga_Ԁskilgreindsem_leigustarfsemi_ԀmeWlausafeWafasteignirYarsem_leigusali_Ԁselur '#- _leigutaka_ԀhiW_leigWa_Ԁgegnumsmdu_leigugjaldi_Ԁtiltekinn_lgmarksleigutma_.ValinersleiW ( aWkvWiWnitileignaleigusamningaeinstaklingaumlausaf,;hWYv,hvernigferumskil  hins_leigWa_ԀviWloksamnings.Xettahelgastm.a.afYv,aWYrfneytandafyrirupplUsingarviW  gerWslkrasamningaumgreiWslubyrWi,rlegahlutfallstlukostnaWaro.fl.telstnnasthin a samaeinsogYegaralmennlneigahlutoggildirYeinuhvort_neytandi_ԀhefurrtteWa T, skyldutilaWkaupahiW_leigWa_ԀviW_samningslok_.    Ume-liW.0kvWinuerfjallaWumlnssamningaformi_yfirdrttarheimildar_Ԁsemendur  greiWaskalinnaneinsmnaWar.kvWiWekkiviWnemaheildarfjrhW_yfirdrttarheimildar_   semnUttersgreiddtilbakainnaneinsmnaWarfrYvaWnUting_yfirdrttarheimildar_Ԁh;fst.  X   Umf-liW.kvWiWtekurtillnssamningasemgerWireruvegna_fjrmlagerninga_ԀYegar K #  lnveitandi(_lnastofnun_)hlutaWYeimviWskiptum.Semdmiumsamningsemfellurundir    YettakvWierYegarfjrmlafyrirtkifjrmagnarkaupneytandahlutfyrirtkisemhefur    skrWbrfsnskipulegan_verWbrfamarkaW_ԀvegnaviWskiptasem_fjrmlafyrirtkiW_Ԁtekur   sjlftYtt.EinnigYekkistYaWaWeinstaklingartakilnog_rWstafi_Ԁlnsfsamteiginftil wO  _eignastUringar_ԀinnansamafjrmlafyrirtkiseWatengdsaWilasemtekuraWsraWvaxtafW B  gengumUmsarfjrfestingarog_fjrmlaafurWir_.VntanlegahefWikomiWtillitaviWmeW    ferWtilskipunarinnarhjEvr;pusambandinuaWundanskiljaeinstaklingasemteljasttil_fag   fjrfesta_,enhrersleiWvalinaWtengja_undanYguna_ԀviWtilteknagerWlnsviWskipta,enda {  hefurvilji_Evr;pulggjafans_ԀekkistaWiWtilYessaWskerWartteinstaklingasamkvmttil nF skipuninniY;ttYeirtilteknusamhengiteljist_fagfjrfestar_ԀeWameWYsrYekkingusemgerir 9 YeimkleiftaWeigaviWskiptimeWfl;knari_fjrmlagerninga_.    Umg-liW.kvWiWundanskilurlnssamningagildissviWilagannasemgerWireruvegna  _d;msttar_ԀeWasttarfyriryfirvldum.SemdmiumsttirsemerugerWarfyriryfirvldum r ogfallaundirkvWiWmnefnasttirgerWarfyrirsUslumanniskv.107.gr.laganr.91/1991, e= umeinkaml,sttirgerWarvegnabrotagegn_samkeppnislgum_Ԁskv.17.gr.flaganr.44/2005 0 oglgreglustj;rasttirskv.4.mgr.54.gr.almennrahegningarlaga,nr.19/1940.    Umh-liW.kvWiWtekurtilsamningaumfrestungreiWslu_afborgunar_ԀskuldarnYessaW  tilkomi_viWb;tarkostnaWur_.Semdmium_lnssamning_ԀsemfellurundirkvWiWerlns i samningursembreyttermeWYeimhttiaWgreiWslu_afborgunar_ԀerfrestaWumtiltekinntma \4 ogekkierinnheimtursrstakurkostnaWurvegnaYess.VerteraWtakaframaWinnheimta ' almennum_vaxtakostnaWi_Ԁtelstekki_viWb;tarkostnaWur_ԀsamkvmtYessarigrein.    Umi-liW.UndirkvWiWfallasamningarYarsembyrgWneytandatakmarkasteingngu  viWveWsetningu_handveWs_Ԁsemhannhefurlagtfram.Semdmium_lnssamning_Ԁsemfellur `  undirgreinYessamnefnaer_lnastofnun_Ԁtekur_handveW_Ԁreikningivegnalnveitingarog S+! byrgWlntakatakmarkasteingnguviWinnstWuviWkomandireikning.TilvikYarsem " lntakifrfjrhWaWlnigegnframlagningu_lausafjrmuna_Ԁsem_handveW_,svosemskartgrip # ogmlverk(e._pawn_Ԁ_shops_)fallaundirkvWiW.  $   Umj-liW.0kvWinuerfjallaWumsamningasemveittirerutakmrkuWumfjldaaWila !W% samkvmtlgummeW_almenningshagsmuni_ԀhugaogmeWlgrivxtumen_markaWsvxtum_ J""& eWameWWrumhagstWariskilmlumenalmenntgilda.Semdmiumsamningasemfalla #' undirkvWiWmnefnalnssamningasemgerWirerugrundvellilaganr.21/1992,um #( Lnasj;Wslenskranmsmanna. $ )   &  LagtertilaW3.mgr.22.gr.tilskipunarinnarverWiinnleidd2.mgr.3.gr.frumvarpsins. v%N!* kvWiW'v% XԀersamrmiviW2.mgr.2.gr.laganr.121/1994,um_neytendaln_,ogYarfnastekki A&"+ frekariskUringar.  '",  '#- @ Um4.gr. (   LagtertilaWekkiverWiheimiltaWvkjafrkvWumfrumvarpsinsneytanda;hag.  Greininersamhlj;Wa24.gr.laganr.121/1994,um_neytendaln_,ogfelurjafnframtsrinn  leiWingu2.mgr.22.gr.tilskipunarinnar. a @ & a Um5.gr.    LagttilaW3.gr.tilskipunarinnarsemtekurtilskilgreiningaverWiinnleidd5.gr.frum  varpsins.'a$[     Uma-liW.kvWiWersamhlj;Wae-liW1.mgr.4.gr.laganr.121/1994,um_neytendaln_.  X NnarerfjallaWumrlegahlutfallstlukostnaWar21.gr.frumvarpsins. K #    Umb-liW.kveWiWkveWurumorWskUringuhugtakinu_eignarrttarfyrirvari_._Eignar    rttarfyrirvari_ԀeinungisviWYegar_eignarrttur_Ԁ(ogafsal)fristtilkaupandaviWafhendingu    YrttfyriraWkaupverWhafiekkiveriWaWfullugreittogseljandihafiekkitryggtsrrttaW   _sluhlutnum_ԀmeWveWieWaWrumsambrilegumhtti._OrWskUringin_ԀersamrmiviWf-liW wO  1.mgr.4.gr.laganr.121/1994,um_neytendaln_. B    Umc-liW.0kvWinuerufastirtlnsvextirskilgreindir.TilnnariskUringarhugtakinu    mt.d.nefnaaWeflnssamningurergerWurtil25rameWYeimskilmlumaWvextirsu   fastirenendurskoWaskuliYaWfimmrumliWnumfrgerWlnssamningsYskuluYeir {  vextireingnguteljastfastirfyrstufimmrinef_endurtreiknaWir_Ԁvextirbyggjasteinhverju nF WruheldurenfstufyrirframkveWnuhlutfalli.0slenskir_fasteignalnssamningar_ԀYarsem 9 vextireruendurskoWaWirmiWaWviWgengikveWinna_vsitalna_ԀeWaverWb;lguteljastekkifastir  eftirendurskoWunina.    Umd-liW.MeW_greiWslumati_ԀerttviWtreikninggreiWslugetuviWkomandimeWtillititil r YeirraYttasemtaldireruuppkvWinu. e=   Ume-liW.HeildarfjrhWlnsershmarksfjrhWsemlniWgeturhlj;WaWupp.HfuW 0 st;ller_vaxtaberandi_ԀfjrhWlns.    Umf-liW.HeildarfjrhWsem_neytandi_ԀgreiWirersfjrhWsemhannfraWlniaukalls  kostnaWarviW_lntkuna_ԀsemhannYarfaWbera. i   Umg-liW.Undir_heildarlntkukostnaW_ԀfellurallurkostnaWursem_neytandi_ԀYarfaWgreiWa \4 tengslumviW_lnssamning_,Y.m.t.taliWkostnaWurviWgerW_greiWslumats_Ԁog_skjalagerW_,ef ' viW.    02.mlsl.ervsaWtilkostnaWarvegna_viWb;tarYj;nustu_ԀtengslumviW_lnssamning_.Hr  landierekkialgengtaWgerWskrafaumgerWsrstaks_Yj;nustusamnings_ԀtengslumviW `  lnveitingarkveWnumkjrum,endmiYessYekkjastY;.tmabilivarstundaWaf_viW S+! skiptabnkum_Ԁogsparisj;WumaWkrefjastYessaWlntakikeyptisrstakalftryggingutilYess " aWflnkveWnumkjrum.0YessumtilfellumerY_lnastofnunin_ԀssemhlUtur_tgreiWslu_ # b;taeflntakifellurfroggreiWistinnhfuWst;llnsins.  $   Umh-liW.kvWiWersamrmiviWa-liW1.mgr.4.gr.laganr.121/1994,um_neytenda !W% ln_,ogYarfnastekkifrekariskUringar. J""&   Umi-liW.0kvWinuerhugtakiW_lnamiWlari_Ԁskilgreint.Erlendis,srlagiBandarkj #' unumogBretlandi,ermjgalgengtaW_lnamiWlarar_Ԁhafimillignguumveitingu_fasteigna #( lna_,ensYr;unhefurekkittsrstaWhrlendis.Algengastaform_lnamiWlara_Ԁsemstarfa $ ) hrlandieruverslanirsembj;WauppfjrmgnunfrYriWjaaWilavegnavrukaupaneyt v%N!* anda(e._Point_ԀOf_Sale_Ԁ_Financing_).Semdmium_lnamiWlara_Ԁsemstarfahrlandimnefna A&"+ _blaslur_,_raftkjaverslanir_,_hsgagnaverslanir_Ԁog_tlvuverslanir_ԀYegarYessiraWilareru  '", _millignguaWilar_ԀumlnveitinguvegnasluvrumfrYeimsjlfumtilneytanda. '#-   Umj-liW.kvWi1.mlsl.ersamrmiviWc-liW1.mgr.4.gr.laganr.121/1994,um ( _neytendaln_,ogYarfnastekkifrekariskUringar.kvWi2.mlsl.tekurt.d.til_vtryggingar  samninga_ԀYarsemgreitterfyrirsamninginnmeWmnaWarlegumafborgunum.    Umk-liW._Lnshfismat_ԀerhugtaksemekkihefurWurveriWskUrtslenskumlgum.Til a hugtaksinservsaW13.tlul.1.mgr.20.gr.laganr.161/2002,umfjrmlafyrirtki,hvaW T, varWarYrstarfsheimildirsemstarfsleyfiviWskiptabankaogsparisj;WageturtekiWtil._Lns  hfismat_Ԁermatlnveitanda_lnshfi_ԀlntakabyggtYeimatriWumsemtalineruupp  kvWinu.     Uml-liW.0kvWinuerskUrthvertelstlnveitandiskilningifrumvarpsinsogerkvWiW  X samrmiviWb-liW1.mgr.4.gr.laganr.121/1994,um_neytendaln_. K #    Umm-liW.Algengastaform_opins_Ԁlnssamningshrlendiserlnssamningurformitgfu    _kreditkorts_.RtterY;aWtakaframaWllkreditkortfallaekkiundirskilgreininguna.Til    opinnalnssamninga(e._open_Ԁ_end_Ԁ_credit_Ԁ_agreements_)telstaWeinseintiltekingerWhrlendra   _kreditkorta_,svoklluWsveiflu-eWa_veltukort_Ԁ(e._revolving_Ԁ_credit_),YarsemekkiYarfaWgreiWa wO  ttektaWfulluhelduraWeinskveWiWhlutfalleWalgmarkogeftirstWvumskuldarerveltyfir B  nstatmabil.HefWbundinkreditkort(e._charge_Ԁ_cards_)semgefineruthrlandierumeW    kveWnum_gjalddgum_,venjulegamnaWarlegaogYarfaWgreiWattektaWfullu.Slkkort   fallaekkiundirskilgreiningunaopnumlnssamningi.VertereinnigaWtakaframaW_yfir {  drttarheimild_Ԁskv.e-liW1.mgr.2.gr.frumvarpsinsfellurekkiundirskilgreiningunanema nF hns;tmabundin. 9   Umn-liW.0skilmlumviWskiptabankaogsparisj;Waumnotkun_tkkareikninga_Ԁeralmennt  kveWiWumaW_reikningseigandi_ԀbyrgistaWfylgjastmeWstWu_inneignar_ԀogkomaYannig  vegfyriraW;heimill_yfirdrttur_ԀgetittsrstaW._:framkvmanlegt_ԀeraWgeragreinarmun r stWum_;heimils_Ԁ_yfirdrttar_Ԁaf_tkkareikningi_,Y.e.setningioggleysi,ogtknilegaer e= ennekkiunntaWkomavegfyriraW;heimill_yfirdrttur_ԀeigisrstaW.SvoklluW_shringikort_ 0 erueintegund_debetkorta_.SlkumkortumhefurfjlgaWmjgundanfarinr,en;heimill  _yfirdrttur_ԀalmenntekkiaWgetattsrstaW_tkkareikningum_ԀtengdumYeim.Yveru  Y;undantekningar.XannigmunsframkvmdtilaWmyndanokkuWalgeng_lagstmum_ i aWslkkts_innhringingu_Ԁ_greiWslukortaposa_ԀseljendavrueWaYj;nustu,semveldurYvaW \4 kortsemellattuaWhringjaeftir_ttektarheimild_ԀgeraYaWekki. '   Umo-liW.0kvWinuerutengdir_lnssamningar_Ԁskilgreindir.NokkuWalgengterhrlendis  aWf;lknUtisrtengdalnssamninga,dmiumslkteru_raWgreiWslusamningar_ԀUmissaversl  ana,svosemumkauphsggnum,tlvumeWabifreiWum. `    Ump-liW.0kvWinuerutlnsvextirskilgreindir.MeW_lnsfjrhW_Ԁskilningifrumvarps S+! inserttviW_tborgaWa_Ԁ_lnsfjrhW_Ԁtillntaka. "   Umq-liW._Tkkareikningur_ԀmeW_yfirdrttarheimild_ԀeralgengtegundfjrmlaYj;nustusem # viWskiptavinumslenskraviWskiptabankaogsparisj;WabUWst.  $   Umr-liW.TilvaranlegramiWlateljastYeirmiWlarYarsemhgteraWgeymaupplUsingar, !W% sembeintertilm;ttakandapers;nulega,;breyttarYannigaWhanngetiafritaWYrogflett J""& uppYeimhfilegantma,svosem_geisladiskar_,harWirdiskarogvefsWursemuppfylla #' _Wurgreind_ԀskilyrWi. #( @''UmII.kafla. v%N!*   LagtertilaW2.YtturtilskipunarinnarumupplUsingaskylduverWiinnleiddurII.kafla A&"+ frumvarpsins.  '",  '#- ?@ ?  ?  @ Um6.gr. (   LagtertilaW4.gr.tilskipunarinnarverWiinnleidd6.gr.frumvarpsins.013.gr.laganr.  121/1994,um_neytendaln_,erfjallaWumupplUsingarsemframskulukomaauglUsingum  lnssamninga.kvWigreinarYessarareruY;nokkuWtarlegri,Y;aWefnislegasekkium a miklabreytinguaWrWa. T,   02.mgr.segiraWveitaskuliupplUsingarskUran,_hnitmiWaWan_ԀogberandihttmeWlUs  andidmisamrmiviWYupptalninguerframkemura!fliWum.TilskUringarYvhvaW  teljistlUsandidmi(e._representative_Ԁ_example_)segirm.a.drgumaWviWmiWunarreglum   framkvmdastj;rnarEvr;pusambandsinsumtlkunkvWumtilskipunar2008/48/EB  X hvaWvarWarkostnaWviW_lntku_ԀogrlegahlutfallstlukostnaWaraWdmieigiaWveralUs K #  andifyrir_markaWsaWstWur_ԀogYaulnskjrsemneytendumstandatilboWavegnatiltekinnar    tegundarlnssamnings.EfsvoerekkierhttaaWmikillmunurverWiYeimupplUsingum    semveittareruauglUsingumogYeimupplUsingumsemneytandaeruveittarfyrirogviW   samningsgerW.SkumYessaermikilvgtaWYrupplUsingarsem_lnveitendur_ԀsetjalUsandi wO  dmisubyggWar_raunsju_ԀmatihvaWvarWarYaWtilboWsemveriWeraWbj;Waneytendum. B    Ume-liW.NokkuWalgengteraWneytendurgeri_lnssamning_Ԁumkaup_neytendavarningi_    einsogt.d._rafmagnstkjum_,heimilistkjumoghsggnum.0slkumtilfellumYarfaWtaka   framauglUsingumfjrhW_tborgunar_,efeinhverer,YegargefnareruupplUsingarumvexti {  eWakostnaWneytandansaflninu. nF   02.mgr.erfjallaWumtengdasamninga,svosemsamningumlftryggingutengslumviW 9 veitingu_fasteignalns_.Sjeinnigumfjllunumo-liW1.mgr.5.gr.  @ Um7.gr. r   0kvWinukomaframYrupplUsingarsemlnveitandaberaWveitaneytandaWuren e= lnssamningurergerWuroghvaWaformiupplUsingarnarskuluveittar.0ngildandilgum 0 um_neytendaln_ԀerekkikveWiWumslkaskylduogerYessiupplUsingaskyldaYvnUmli  hrlendis.kvWiWfelursrinnleiWingu5.gr.tilskipunarinnar.    01.mgr.erkveWiWumskyldulnveitandatilaWveitaneytandameWeWlilegumfyrirvara i WurensamningurkemstnauWsynlegarupplUsingarsvohonumsmgulegtaWtakaupp \4 lUstakvrWunum_lntku_.UpplUsingarnarskulusnaaWkveWnumlnssamningiogtaka ' tillittilfram_kominna_Ԁ;skaogupplUsinganeytandasemlnveitandiertilbinnaWfallast.    02.mgr.kemurframhvaWamiWliupplUsingarnarskuliveittar,Y.e.pappreWaWrum  varanlegummiWli,stWluWueyWublaWisembirtverWurreglugerWsemrWherrasetur. `    03.mgr.segiraWlnveitanditeljisthafauppfyllt_upplUsingakrfur_Ԁskv.5.!8.gr.lagaum S+! _fjarslu_ԀfjrmlaYj;nustuefhannhefurveittupplUsingarstWluWueyWublaWiskv.2.mgr. "   04.mgr.kemurframupptalningYeimupplUsingumsemskulukomaframskv.1.mgr. #   Umg-liW.VikiWeraW_treikningsaWferW_Ԁ_rlegrar_ԀhlutfallstlukostnaWareflnssamningur  $ bUWuruppmismunandi_nUtingarleiWir_ԀsemhefWuhrifslkankostnaW.Slkirsamningar !W% ertpastalgengirYegarneytendureigahlut,envelerYekktaWkjrlnatakit.d.breyting J""& umeftir_veWstWu_Ԁogeftiratvikumfjlda_Yj;nustuleiWa_Ԁsem_neytandi_Ԁvelursr.kvWiW #' mlirfyrirumupplUsingaskylduef_neytandi_ԀuppfyllirekkiskilyrWifyrirYeimkjrumsem #( treikningurmiWastviW. $ )   Umi-liW.0kvWinuerfjallaWumYrupplUsingarsemberaWveitatengslumviW v%N!* kostnaWviW_lnalnu_ԀognUtingu_greiWsluleiWa_.Hrlendiser_yfirdrttarheimild_Ԁalgengasta A&"+ form_lnalnu_ԀenkvWiWtekurtilhverskonarlnameWsvipuWumeinkennum,Y.e.ramma  '", samningsum_hmarksln_,lnstmaoglnskjrmeWbreytilegri&  notkun_lnsheimildar_ԀeWa '#-  _lnalnu_.'' (z$.   &   Umj-liW.kvWiWkveWurumaWlnveitandiskuliveitaupplUsingarumkostnaWvegna ( _YinglUsingar_'(_Ԁogskrningarsamnings.UndirkvWiWfalla_stimpilgjld_Ԁognnurgjld,svo  semviWaWtryggja_veWrttindi_.    &  Uml-liW.kvWiWfelursraWlnveitandaberaWveitaupplUsingarumvextisemog a kostnaW'3Ԁvegnavanskila.UndirkvWiWfallam.a.drttarvextirogkostnaWurviW_frum_-og T, milliinnheimtusamkvmtinnheimtulgum,nr.95/2008.    Umm-liW.0kvWinuerkveWiWumskyldulnveitandatilaWltaneytandatupp  lUsingarumafleiWingarYessaWafborganirlnseruekkigreiddarrttumtma,svosemum   mgulega_gjaldfellingu_Ԁlnso.s.frv.  X   Umn-liW.LnveitandiskalsamkvmtkvWinuveitaneytandaupplUsingarumYr K #  tryggingarsemmgulegaerfariWframvegna_lntkunnar_,svosem_sjlfskuldarbyrgWir_    ogveW.      Ump-liW.0kvWinukemurframskyldalnveitandatilaWltaneytandatupplUsingar   umrtttilgreiWslufyrirgjalddagaogmgulegankostnaWsamfaraYv(_uppgreiWslugjald_). wO    05.mgr.kemurframaWallarviWb;tarupplUsingarsemlnveitandiveitirneytandaskulu B  veittarsrstkuskjalisemmveraviWaukiviWstaWlaWeyWublaWsemrWherrabirtirreglu    gerW,sbr.2.mgr.     kvWi6.mgr.felursrskyldulnveitandatilaWveitaYrupplUsingarsemkveWiWer {  um9.gr.laganr.33/2005,um_fjarslu_ԀfjrmlaYj;nustu,YegarumeraWrWaslueWa nF markaWssetningusma.XrupplUsingarfelam.a.sraWupphafi_smtals_Ԁskalgreinanafn 9 YesssemhringirognafnYj;nustuveitandaogveitaupplUsingarumaWtilgangur_smtalsins_  s_viWskiptalegs_ԀeWlis.XberYj;nustuveitandavalltaWlUsahelstueinkennum_fjrmlaYj;n  ustunnar_ԀsemboWiner.AukYessberYj;nustuveitandaaWgefaupplUsingarumheildarverW r aWmeWtldumllum_Y;knunum_,kostnaWi,tgjldumogskttum,eWaefekkierunntaWgefa e= uppnkvmtverWskalgefauppgrundvllfyrirtreikningiverWs.Xskaltilkynnaneytanda 0 aWmgulegtsaWhannYurfiaWgreiWaaWraskattaogkostnaW,semhvorkierugreiddirfyrir  millignguYj;n_ustuveitanda_ԀnlagWirafhonum.UpplUstskalumrtttilaWfallafrsamn  ingiogalltsemnUtinguslksrttartengist.AWlokumberYj;nustuveitandaskyldatilaWupp i lUsaneytandaaWfrekariupplUsingarliggifyrirefhann;skareftirYeim.Skal_Yj;nustuveit \4 andi_ԀupplUsaneytandahverseWlisYrupplUsingareru. '   09.mgr.ervsaWtillnssamningasemekkihafaveriWviWlUWihrlandi,svokallaWra  _Dowry_-veWlna.EitthelstaeinkenniYeirraerYaWaWlntakigreiWirekkiaflninusjlfu  heldurmyndaafborganirsj;WsemlnveitandieWat.d.verWbrfafyrirtkihansvegumstUrir `  og_vaxtar_.MiWaWerviWaWsj;WurinnngitilYessaWstandastraumafuppgjrilnsins S+! _lokagjalddaga_.LnafYessutagisttutalsverWrigagnrUniYegarum_vxtunarmguleika_ " Yrengdist_bankakreppunni_ԀriW2008YannigaW_lntakendur_Ԁst;WuframmifyrirYvaW_sj;Ws # staWa_ԀhlstallsekkihendurviWeftirstWvarlns.  $   010.mgr.erfjallaWumskyldu_lnveitenda_Ԁog,eftiratvikum,_lnamiWlara_ԀtilaWveitaneyt !W% andaYrupplUsingarsemhannYarftilYessaWtakaupplUstakvrWunumYaWhvortumrdd J""& lntakamtihansYrfumogssamrmiviWgreiWslugetuhans.VarWandiYr_upplUsinga #' skyldur_Ԁsemhvla_lnamiWlara_ԀvsasttilathugasemdaviW9.gr.tilnnariskUringa. #( @ Um8.gr. v%N!*   0greininnikomaframYrupplUsingarsemlnveitandaberaWveitavegnasrstakra A&"+ tegundalnssamninga,svosemlnssamningaformi_yfirdrttarheimildar_.Srstaklegaer  '", kveWiWumaWupplUsingarnarskuliveittarngilegalnguWurenneytandinnverWurbund '#- innaflnssamningieWatilboWivarWandi_lnssamning_Ԁ.UmeraWrWainnleiWingu6.gr. ( tilskipunarinnar.    &  01.mgr.kemurframaW_upplUsingakrafan_Ԁtakitillnssamningaeinsogumgetur1.og  3.mgr.2.gr.frumvarpsins.' a   02.mgr.eruYrupplUsingarsemframskulukomataldarupp. T,   03.mgr.erkveWiWumaWallarupplUsingarsemveittareruskulivera_jafnberandi_.Xessi  krafaersettframsvolnveitandigetiekkiviljandigertmikilvgatriWiminnaberandimeW  einhverjumhtti.JafnframtervsaWtilYessaWlnveitandisemveitthefur_lnsupplUsingar_   stWluWueyWublaWi,sbr.2.mgr.7.gr.,hefuruppfylltkrfurYessarargreinarog_upplUsinga  X krfur_Ԁlagaum_fjarslu_ԀfjrmlaYj;nustu. K #    04.mgr.kemurframaWYegarumeraWrWa_lnssamning_Ԁsemfellurundir3.mgr.2.gr.    YYarfjafnframtaWveitaviWb;tarupplUsingarYrerframkomaundiraogbliW.      05.mgr.erkveWiWumaWumsamningaerfallaundir1.mgr.2.gr.gildiaWeinskvWi   1.!3.mgr. wO    06.mgr.erutaldaruppYrupplUsingarsemveitaskalerumsamskiptismaeraWrWa B  ogYegar_neytandi_Ԁ;skareftir_yfirdrttarheimild_ԀYegarstaW.      07.mgr.kemurframaWYrttfyriraW_yfirdrttarheimildir_ԀsemendurgreiWaYarfinnaneins   mnaWarfalliutangildissviWslaganna,sbr.e-liW1.mgr.3.gr.,skallnveitandiltaneytanda {  tlUsinguhelstueinkennum_fjrmlaYj;nustunnar_Ԁsema.m.k.felursrYauatriWisem nF umgeturc-,e-,f-ogh-liW2.mgr.8.gr.,YegarumeraWrWasamskiptismaogYegar 9 _neytandi_Ԁ;skareftirYvaWf_yfirdrttarheimild_ԀYegarstaW.    08.mgr.kemurframskyldalnveitandatilaWltalntakat,eflntaki;skareftirYv,  afritafdrgumaWlnssamningilntakaaWkostnaWarlaususemhafaaWgeymaYrupp r lUsingarumsamningsemkveWiWerum11.gr.,aWsvomikluleytisemhnviW.Xarsem e= lnveitandaerfrjlstaWveljahverjumhannveitirlnYgildirkvWiYettaeWlimlssam 0 kvmtekkiumYautilvikYarsemlnveitandier;fsaWveitalntilviWkomandineytanda.    09.mgr.kemurframaWefstofnaWertillnssamningsmeW_fjarslu_ԀaWbeiWnineytanda,  sbr.3.tlul.4.gr.laganr.33/2005,oglnveitandaer;kleiftskumYessaWveitaupplUsingar i skv.1.!5.mgr.8.gr.,YskallnveitandiYegarstaWeftirgerWsamningsinsuppfyllaskyldur \4 snarskv.1.!5.mgr.meWYvaWveitaYrupplUsingarum_lnssamninginn_Ԁskv.12.gr.frum ' varpsinssemeigaviW.  @ Um9.gr. `    FrsthefuraukanaaWvru-og_Yj;nustuveitendur_Ԁbj;WineytendumuppaWgangafr S+! lnssamningiumfjrmgnunhinnarkeyptuvru-eWaYj;nustustaWnum.SeljandierY " allajafnaaWmiWlalnumaukastarfi,Y.e.aWalstarfhansersalavrueWaveitingYj;nustuog # _lnamiWlun_ԀaWeins_viWb;tarYj;nusta_ԀsemboWiWeruppneytendumtilhgWarauka.0slkum  $ tilfellumer_lnamiWlari_ԀekkibundinnafYeim_upplUsingakrfum_Ԁerframkoma7.!8.gr. !W% frumvarpsins.VeitaneytandaupplUsingarsamkvmtgreinunum,ensskyldahvlir J""& lnveitandaekki_lnamiWlara_.0flestumtilfellummunY;_lnamiWlari_ԀvntanlegasjumaW #' veitalntakaumrddarupplUsingargrundvellisamningsviWlnveitandaYessefnis.EfaWili #( hefur_lnamiWlun_ԀaWaWalstarfiYgildakvWi7.!8.gr.&  frumvarpsinsumhann.kvWiW $ ) felursrinnleiWingu8.gr.tilskipunarinnar.'$< v%N!*   A&"+ @tt& a  Um10.gr. (   LagtertilaW8.gr.tilskipunarinnarumskyldutilaWmeta_lnshfi_ԀverWiinnleidd10.gr.  frumvarpsins._GreiWslumat_ԀhefurveriW'a(framkvmtviWlnveitingarYarsem_sjlfskuldar  byrgW_ԀbyrgWarmannaeWa_lnsveW_Ԁerutiltryggingarfrgildistkusamkomulagsumnotkun a _byrgWa_ԀriW1998ogsWareftirsamkomulagifr2001.AWsamkomulaginust;Wustj;rnvld, T, Neytendasamtkin,Samtkslenskrasparisj;WaogSamtkbankaogverWbrfafyrirtkja(n  Samtkfjrmlafyrirtkja).MeWgildistkulaganr.32/2009,umbyrgWarmenn,vorusam  brilegkvWium_greiWslumat_Ԁfestlg.AukYesshafaflestiraWilar_fasteignalnamarkaWi_   setteiginreglurumaWumskjendurlnastandist_greiWslumat_ԀWurentillnveitingarkemur.  X XvmtlaaW_lnamarkaWurinn_ԀeigitiltlulegaauWveltmeWaWaWlagasigaWbreytingunni. 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B    Umi-liW2.mgr.0kvWinukemurframsskyldalnveitandaaWtilgreinaYaWsrstaklega    lnssamningiefupplUsingarvaxta-og_kostnaWartflum_ԀvegnalnssamningskunnaaWtaka   breytingum.MeW_niWurgreiWslutflu_ԀerttviWtflusemsUnirhvernighfuWst;lllnsinser {  greiddurniWur. nF   Umk-liW2.mgr.0kvWinuerfjallaWumYrupplUsingarsemberaWveitatengslumviW 9 kostnaWviW_lnalnu_ԀognUtingu_greiWsluleiWa_.Hrlendiser_yfirdrttarheimild_Ԁalgengasta  form_lnalnu_ԀenkvWiWtekurtilhverskonarlnameWsvipuWumeinkennum,Y.e.ramma  samningsum_hmarksln_,lnstmaoglnskjrmeWbreytilegrinotkun_lnsheimildar_ԀeWa r _lnalnu_. e=   Umt-liW2.mgr.HvaWvarWarYaurrWisemneytendumstandatilboWautand;mst;la 0 tilaWfrmlumsnumleystersnaaWviWskiptumviWfjrmlafyrirtkibereinnahelstaW  nefnarskurWarnefndumviWskiptiviWfjrmlafyrirtki,sbr.19.gr.alaganr.161/2002,um  fjrmlafyrirtki,semvistuWerhjFjrmlaeftirlitinu. i   04.mgr.ervsaWtillnssamningasemekkihafaveriWviWlUWihrlandi,svokallaWra \4 _Dowry_-veWlna.NnariumfjllunumYessatilteknu_lnstegund_ԀeraWfinnaathugasemdum ' viW7.mgr.7.gr.  @ttUm13.gr. `    LagttilaW11.gr.tilskipunarinnarverWiinnleidd13.gr.frumvarpsins.MeW_viWmiWunar S+! gengi_ԀerttviWgengisemernotaWtilgrundvallartreikningiviWgjaldeyrisviWskiptioger " aWgengilegthjlnveitandaogopinberlega._ViWmiWunarvextir_ԀskilningiYessafrumvarps # er_vaxtastig_ԀsemnotaWertilgrundvallartreikningivxtumogaWgengilegteropinberlega  $ ogbWiraWilaraWlnssamningigetasannreynt,svosemlgstuvextirseWlabankansnUjum !W% almennum;verWtryggWumtlnum_lnastofnana_. 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HugsuninerYvsaW_neytandi_ԀYurfiekkiaWhaldaframaWgreiWaaWfullufyrirvrueWa `  Yj;nustusemhannfkkekkiafhentasamrmiviWsamning,Y;aWekkishgtaWleita S+! fullraefndafrseljanda.TilYessaW_neytandi_ԀgetileitaWrrWagegnlnveitandaYeim " tilfellumergreinirbeWacliW3.mgr.YarfhannaWhafalUstkrfuhendurseljandaeWa # _Yrotabi_Ԁhans.  $   05.mgr.erfjallaWum_fasteignaln_.FasteignirteljastseinttilvrueWaYj;nustu,Y;ertalin !W% fullstWatilYessaWkomavegfyrirmisskilningaWrttasrstaklegaaW_neytandi_Ԁnj;ti J""& ekkirttartilaWbeitarrWumgegnlnveitandagrundvelli2.mgr.vegna_fasteignalna_. #' _Fasteignaln_ԀfallaekkiinnangildissviWstilskipunar2008/48/EBogeraWildarrkjumYv #( frjlstaWkveWahvaWareglurgildaumYau,m.a.skumYess&  aWeWli_fasteignalna_ԀerannaW $ ) heldurenhefWbundinna_neytendalna_ԀogYrfjrhWirsem'$ZIԀumrWirmunhrri. v%N!*   A&"+ @tt& a  Um18.gr. (   LagtertilaW16.gr.tilskipunarinnarverWiinnleidd18.gr.frumvarpsins.0greininnier  kveWiWumrttneytendatil'a(JԀendurgreiWslufyrirgjalddaga.SamkvmtkvWinuhefur  _neytandi_ԀrttaW_heildarlntkukostnaWur_ԀslkkaWurvegnavaxtaogkostnaWartilloka a _lnstmans_ԀgreiWihannfyrirgjalddaga.0kveWnumtilvikumgeturlnveitandiY;ttrtttil T, _sanngjarnra_Ԁb;tavegnagreiWslufyrirgjalddaga.Umslkarbturerngildandilgumog  almennrimlnotkunnotaWhugtakiW_uppgreiWslugjald_ԀogerYvnotastviWYaWhugtakfrum  varpinu.016.gr.og16.gr.angildandilagaum_neytendaln_ԀerukvWium_uppgreiWslu   gjald_.AlmenntkvWiumrttneytandatilgreiWslufyrirgjalddagaer16.gr.Yeirralaga.  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S+!   03.mgr.erlagttilaWsettverWiYakhmarksfjrhWuppgreiWslugjalds.Annarsvegar " erumaWrWahmark1%affjrhW_endurgreiWslunnar_ԀYegarlengritmieneittrermilli # hennaroglokalnstmasamkvmtsamningiaWilaoghinsvegarhmark0,5%efeittreWa  $ minnaereftirafsamningstmanum.XessireglafelurYannigsraWvilji_neytandi_ԀtilaW !W% myndagreiWa2.000.000kr.innhfuWst;llnsYegartvrerueftiraflnstmaereinungis J""& heimiltaWkrefjast20.000kr.afYeirrigreiWslusem_uppgreiWslugjald_. #'   04.mgr.eraWfinnakvWisemfelursrinnleiWingu5.mgr.16.gr.tilskipunarinnar #( semtakmarkarennfrekarhversuhtt_uppgreiWslugjald_Ԁlnveitandimkrefjaneytandaum $ ) YarsemYaWmekkiverahrraens_vaxtafjrhW_Ԁsem_neytandi_ԀhefWigreitttilenda&  _lns v%N!* tmans_.'v%aa A&"+    Xer5.mgr.lagttilbannviW_uppgreiWslugjaldi_Ԁfj;rumtilvikum.  '",   &   Uma-liW.GreiWslursamkvmt_vtryggingarsamningi_ԀsemertlaWaWtryggjagreiWslu ( lnsins'(b.Xettat.d.viWumlftryggingusemtekinertiltryggingargreiWsluef_neytandi_Ԁfellur  fr.    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Undantekningfr_upplUsingaskyldunni_ԀerYegarupphaflegurlnveitandiheldurframaW `  Yj;nustalniWmeWsamkomulagiviW_framsalshafa_. S+! @ttUm20.gr. #   LagtertilaW18.gr.tilskipunarinnarum_;heimilan_Ԁ_yfirdrtt_ԀverWiinnleidd20.gr.frum  $ varpsins.Lgnr.94/1933,umtkka,hafaekkiaWgeymannurkvWiuminnstWurenYau !W% aW_reikningshafi_ԀskulitryggjaaWvalltsngileg_innstWa_Ԁm;titgefnumtkkum.kvWi J""& semYessibtaYvaWvissuleytirbrUnniYrfY;ttdeilamegiumhversulangteigiaWganga #' setningulagakvWatilstuWningsaWilasem_vanefnir_Ԁsamning,einkanlegaYarsemnnur #( kvWilagannageratilteknarkrfurumskUrleika_lnasamninga_.TilYessberY;aWlta,aW $ ) kvWiWhefurYsrstWuaWekkiertilskiliWaWsamiWhafiveriWumlnveitingu.Xvm v%N!* segjaaWYaWsnauWsynlegttilskUringarrttindumneytandaYegarenginnsamningurliggur A&"+  tilgrundvallarlni.  '",   &   TkniYr;unhefurgjrbreyttnotkun_tkkareikninga_ԀhvaW_ttektarleiWir_ԀvarWar,enekkiYv ( aWln'(xԀformi_yfirdrttarheimildar_Ԁeruennalgengskumeinfaldleikaog_flUtis_ԀviWafgreiWslu.  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XhafalnastofnanirtekiWuppskilmlaergeraneytendakleiftaWkomasthjkostnaWief   greitterinnannokkurradaga.kvWiWtakmarkarslkviWurlgogleggurauknaupplUs  X ingaskyldulnveitandasemttiaWskilasrennfrekarifkkuntilvikaerflokkamsem K #  _yfirdrtt_ԀnundangenginssamYykkislnveitanda(;heimill_yfirdrttur_).KostnaWurinnskal    verah;flegurogendurspeglakostnaWsemhlutaWeigandi_lnastofnun_ԀverWurfyrirvegna    _;heimila_Ԁ_yfirdrttarins_.MeW_kostnaWartengingu_ԀertryggtaWinnheimtagjaldavegnabrota   _viWskiptaskilmlum_ԀmeW_;heimilum_Ԁ_yfirdrtti_Ԁbyggistekki_gr;Wasj;narmiWum_. wO    03.mgr.erkveWiWumupplUsingaskyldulnveitandaYeimtilfellumsem;heimill_yfir B  drttur_ԀnemurfjrhWaWandvirWi30.000kr.eWameiraogvarirlengritmaeneinnmnuW.    0tilskipuninnierekkikveWiWumfastafjrhWheldureraWeinsrttumverulegan_;heim   ilan_Ԁ_yfirdrtt_Ԁ(e._significant_Ԁ_overrunning_)ogeraWildarrkjumgefinnkosturaWltaYarviW {  standaeWagangalengraogtilgreinakveWnafjrhW.LagtertilaWmiWaWverWiviW30.000 nF kr.YessusamhengimeWtillititilskUrleikalagasetningu,endageturreynsterfittaWbyggja 9 rttorWalaginuverulegur;heimill_yfirdrttur_.  @ttUm21.gr. r Ѐ  LagttilaW19.gr.tilskipunarinnarverWiinnleidd21.gr.frumvarpsins. e=   01.mgr.felstskilgreiningrlegrihlutfallstlukostnaWarogerhnsamrmiviWn_ 0 gildandi_Ԁskilgreiningu,sbr.10.gr.laganr.121/1994,um_neytendaln_.LagtertilaWhlutfalls  talanskulireiknuWtsamkvmtkveWinni_strWfrWilkingu_ԀsemrWherraseturmeWreglu  gerW,sbr.25.gr. i   02.mgr.erkveWiWumaW_treikningurinn_ԀfariframYegarlnssamningurgengurgildi. \4 EkkiskaltekiWtillittilbreytingasemkunnaaWverWasamningnumnhugsanlegravan ' efndasamningi.  @UmVI.kafla. `    LagtertilaW6.YtturtilskipunarinnarverWiinnleiddurVI.kafla,um_lnamiWlara_.0 S+! kaflanumereinungiseingreinsemfjallarumskyldur_lnamiWlara_Ԁgagnvartneytandaenhug " takiW_lnamiWlari_Ԁerskilgreinth-liW5.gr.frumvarpsins. # @ttUm22.gr. !W%   LagtertilaW21.gr.tilskipunarinnarverWiinnleidd22.gr.frumvarpsins.kvWi22.gr. J""& kveWurumskyldur_lnamiWlara_Ԁgagnvartneytendum.Skyldur_lnamiWlara_ԀeruYrYttar. #' 0fyrstalagiber_lnamiWlara_ԀaWupplUsaneytandaumumboWsitt,Y.e.hvorthanns;hWur #( _lnamiWlari_ԀeWastarfiumboWieinseWafleiri_lnveitenda_.0WrulagiYarf_lnamiWlari_ԀaW $ ) upplUsaneytandafyrirframhvorthannYurfiaWgreiWasrY;knunfyrirYj;nustusnaog v%N!* samkomulagumhanasgertmilliYeirraWurenlnssamningurergerWur.0YriWjalagiber A&"+  _lnamiWlara_ԀaWtilkynnalnveitanda,semhannstarfarumboWifyrir,umYY;knunsem  '", _neytandi_ԀYarfaWgreiWahonumfyrirYj;nustusna,svounntsaW_innifela_Ԁ&   hanatreikningi ( rlegrihlutfallstlukostnaWar.'(&  @UmVII.kafla. a   0kaflanumerfjallaWumkaupmeW_eignarrttarfyrirvara_Ԁogendurheimteignarrttars T, _neytandi_ԀvanskilummeWafborganireWa_lnskostnaW_.Kaflinnersamhlj;WaV.kaflalaganr.  121/1994,um_neytendaln_.Tilskipun2008/48/EBtekurekkikaupummeW_eignarrttar  fyrirvara_ԀmeWbeinumhtti,en35.liW_formlsorWa_ԀtilskipunarinnarsegiraWYegar_neytandi_   fellurfrlnssamningisemtengistvrusemhannhefurfengiW,einkumYegarumeraWrWa  X kaupmeWafborgunumeWa_eignaleigusamning_ԀYarsemkveWiWerum_kaupskyldu_,ertil K #  skipuninmeWYannfyrirvaraaWaWildarrkigetasettreglurumatriWisemvarWaskilvrunni    ogumslka_eignarrttarfyrirvara_.    @ttUm23.gr. wO    0kvWinukemurframaWlnveitandigeturvegnavanskilaneytandaendurheimthlutsem B  seldurermeW_eignarrttarfyrirvara_ԀefskUrterkveWiWum_fyrirvarann_Ԁskriflegumsamningi    aWilamilli.LeitaskalsanngirniogreyntaWkomaYvfyriraWaWilarverWi_jafnsettir_Ԁogef   viWskiptihefWuekkittsrstaW.KomiuppgreiningurumverWhlutarskalhanntkljWur {  meWmatsgerW. nF @ttUm24.gr.    kvWiWfelursrefnisreglurvegnaYeirratilvikaerfleirieneinnhluturhefurveriW  keypturgrundvellisamasamningsinsoglnveitandileggurframkrfuskv.23.gr.um r endurheimtYeirra. e= @UmVIII.kafla.    0kaflanumerfjallaWumreglugerWarheimildirrWherra,semogumbreytingarYeim  fjrhWumerframkomafrumvarpinu. i @ttUm25.gr. 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