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EftlamaWtj;nYolihefWiveriWvinnufrogstundaWvinnueftiraWhannerorWinnfullra70raaWaldrimvkjafrreglu1.mgr.aWnokkrueWallu. q-<)4 J@&^  rorkunefnd.JGar  ݈  H@)^  10.gr.HGar  ݈  Tj;nYolieWassembyrgWbertj;nigeturhvorumsig;skaWlitsumkvrWunmiskastigsogrorkustigshjrorkunefnd.  0rorkunefndeigastiYrrmennsemskipaWireruafd;msmlarWherratilsexrasenn.Skulutveirnefndarmannaveralknar,eneinnlgfrWingurogerhannformaWurnefndarinnar.FormaWurskalfullngjaskilyrWumlagatilaWhlj;taskipunembttihstarttard;mara.RWherraskiparvaramenneftirsmureglumogaWalmenn.UmhfinefndarmannatilaWfarameWmlskalfaraeftirreglumlagaumsrstakthfid;mara.  rorkunefndskalsemjatflurummiskastig.  RWherraseturreglugerWumstarfshtturorkunefndar.0reglugerWinniskalm.a.veraheimildfyrirnefndinatilYessaWkveWjalknaogaWrasrfr;WamenntilstarfaYgunefndarinnar.0reglugerWskalogkveWaumgjaldfyrirmatsgerWirsemnefndingerir.J@ff&^  Endurupptaka.JQar  ݈   H@)^  11.gr.HRar  ݈  AWkrfutj;nYolaerheimiltaWtakauppaWnUjukvrWunumbturfyrirvaranleganmiskaeWarorkubtur.SkilyrWiendurupptkueraW;fyrirsjanlegarbreytingarhafiorWiWheilsutj;nYolaYannigaWtlamegiaWmiskastigeWarorkustigsverulegahrraenWurvartaliW.EfmlerendurupptekiWerheimiltaWskj;takvrWunummiskastigeWarorkustigafturtilrlausnarrorkunefndar,sbr.10.gr.J@   ^  Missirframfrandao.fl.JWar  ݈ r= H@)^  12.gr.HXar  ݈  SsemskaWab;tabyrgWberdauWaannarsmannsskalgreiWahfilegantfararkostnaW.AukYessskalhanngreiWaYeimsemmissthefurframfrandabturfyrirtj;nYaWertlamaWafYvleiWifyrirhann.TilframfrslutelsteinnigverWmtivinnuhinsltnaviWheimilisstrf.  UmgreiWslurfrYriWjamannifereftirkvWum4.mgr.5.gr.J@^  BturtilmakaeWasambWarmaka.J\  ݈  H@)^  13.gr.Hl]  ݈  BturfyrirmissiframfrandatilmakaeWasambWarmakaskuluvera30%afb;tumYeimsemtlamaWhinnltnimundihafattrttfyriralgera(100%)rorku,sbr.5.!^^8.gr.Bturskulu `+! Y;nemaekkiminnifjrhWen3.000.000kr.nemasrstaklegastandi.  HafiframfrandiveriWorWinn26ragamalllkkabtureftirreglum9.gr.@HH$^Bturtilbarns. !W% H@)^  14.gr.Ha  ݈  Bturfyrirmissiframfrandatileftirlifandibarns,semhinumltnavarlgskyltaWframfra,skuluverajafnharheildarfjrhWYeirrabarnalfeyrisgreiWslnaerbarniWrtteftirlgumumalmannatryggingarfrYvaWtj;nvarWtil18raaldurs.HafihinnltniveriWeiniframfrandibarnshkkabturum100%.  ReiknaskalfjrhWbarnalfeyriseinsoghannerviWandltframfranda.J@#^  VerWlagsbreytingar.Jf  ݈ '#- H@)^  15.gr.Hg  ݈  FjrhWirb;ta,semgreindareru3.gr.,1.mgr.4.gr.,3.mgr.7.gr.og2.mlsl.1.mgr.13.gr.,breytastmnaWarlegahlutfalliviWbreytingarsemverWalnskjaravsitlufrgildistkulaganna.FjrhWskalhverjusinnihkkaeWalkkaYannigaWhnstandiheilueWahlfuYsundikr;na.B;tafjrhWirYr,semgreinir1.mlsl.3.gr.,skuluY;hkkaeWalkkasvoaWfjrhWstandiheilumtugkr;na.  Bturskv.1.mgr.skalkveWagrundvellifjrhWasemgildaYegarb;tafjrhWerkveWin. q-<)4 BturfyrirvaranlegarorkuskalumreiknamiWaWviWbreytingarlnskjaravsitlufrYvaWtj;nvarWogYartilb;tafjrhWerkveWin.J@xx)^  Vextir.Jo  ݈ a H@)^  16.gr.Ho  ݈  BturfyrirYjningar,varanleganmiska,rorkuogmissiframfrandaberavextifrYvaWtj;nvarW.Vextirnirskulunema2%ri,end;msmlarWherragetursamrWiviWSeWlabanka0slandsbreyttvaxtaftinum.kvrWunumslkabreytinguskalgildaa.m.k.tvr.  Umdrttarvextifereftirreglumvaxtalaga.J@'^  Endurkrafa.Js0.00  ݈ #   @)^17.gr.  EndurkrafavegnagreiWslub;tasamkvmtlgumumalmannatryggingarverWurekkigerWhendurYeimsemerskaWab;taskyldur.SamaviWumb;tagreiWslurlfeyrissj;WaeWavtryggingaogskiptirekkimlihverseWlisvtrygginginer,sbr.2.mgr.22.gr.  Vinnuveitandi,semgreitthefurslasaWaeWaYeimsemmissthefurframfrandalauneWaaWrarlaunatengdargreiWslurvegnalkamstj;ns,geturkrafiWhinnskaWab;taskyldaumendurgreiWsluaWYvmarkisemvinnuveitandihefurorWiWfyrirfjrtj;nivegnaslkragreiWslna.@ ^AWilaskiptiaWb;takrfu. F H@)^  18.gr.Hv{0.00  ݈  EkkierheimiltaWframseljakrfuumbturfyrirlkamstj;nnemahnsviWurkenndeWadmd.  KrafaumbturfyrirYjningareWavaranleganmiskaerfisthafihnveriWviWurkennd,einkamlveriWhfWaWtilheimtuhennareWaviWurkenningareWahnhefurveriWgerWfyrird;miopinberumli.  Btur,semgreindareru1.mgr.ogteljamaWekkihafiveriWeytt,komaekkitilskiptaviWfjrslitmillihj;na.BturnarteljasthjskapareignYegareigandib;tannaandastnemaYrsusreignsamkvmtkaupmla.  Reglur1.og3.mgr.eigaekkiviWumbturfyrirtmabundiWatvinnutj;n.D@(^  II.KAFLID0.00  ݈>@ ^   SkaWab;tabyrgWvegnatj;nssemvtryggingtekurtil.>X0.00   ݈ `  H@)^  19.gr.Hn0.00  ݈  SkaWab;tartturstofnastekkivegnatj;nssemmunatryggingeWarekstrarstWvunartryggingtekurtil.  Regla1.mgr.ekkiviWefC $3C-- ?<<2  2  ڈ.3   0  hinnskaWab;taskyldihefurvaldiWtj;ninuafsetningieWast;rfelldugleysieWa!W%    ?<<2  4  ڈ.3   0  tj;ninuervaldiWopinberristarfsemieWaeinkaatvinnurekstrieWasambrilegumrekstri. =W""&      HafistarfsmaWurvaldiWtj;nisemmunatrygging,rekstrarstWvunartryggingeWabyrgWartryggingvinnuveitandahanstekurtilerstarfsmaWurinnekkiskaWab;taskyldurnematj;niWverWirakiWtilsetningseWast;rfelldsgleysis.H@)^  20.gr.H00.00  ݈  UmskaWab;tarttrkissj;Ws,sveitarflagseWaannarsopinbersaWila,semkaupiralmenntekkivtrygginguoghefurYvhagsmunisnaeiginhttu,fermeWsamahttiogvtrygginghefWiveriWkeypt,sbr.19.gr.H@)^  21.gr.H90.00  ݈  kvWi19.og20.gr.eigaekkiviWumskaWab;takrfursamkvmtC $$C-- ?<<2  2  ڈ.3   0  skaWab;tareglumumferWarlaga,+&1    ?<<2  4  ڈ.3   0  lgumumflutningssamningaogbyrgWviWvruflutningalandi,+'2    ?<<2  6  ڈ.3   0  lgumumloftferWir,,q(3    ?<<2  8  ڈ.3   0  siglingalgumeWaq-<)4    ?2   10  ڈ.3   0  alYj;WasamningiumbyrgWvegnatj;nsafvldumolumengunar,gerWumBrussel29. 5 n;vember1969.    H@)^  22.gr.H0.00  ݈  StofnistskaWab;tabyrgWvegnatj;nssemskaWatryggingtekurtilWlastvtryggingaflagiWrtttj;nYolahendurhinumskaWab;taskyldaaWsvomikluleytisemYaWhefurgreittbtur.  Sumlftryggingu,slysa-eWasjkratrygginguaWrWaflagiWengakrfuhendurhinumskaWab;taskyldaogskiptirekkimlihverseWlisvtrygginginer.D@'^  III.KAFLIDl0.00  ݈>@xx&^   TmiskvWi.>Ȟ0.00   J݈ #   @!^  B;tabyrgWstarfsmanns.J00.00  ݈    H@)^  23.gr.H0.00  ݈  Btur,semvinnuveitandihefurgreittvegnasaknmrarhegWunarstarfsmanns,eraWeinsunntaWkrefjastarfsmanninnumaWYvmarkisemteljamsanngjarntYegarlitiWertilsakarogstWustarfsmannsinsogatvikaaWWruleyti.  SkaWab;tabyrgWstarfsmannsgagnvarttj;nYolamskerWaeWafellaniWurefYaWverWurtaliWsanngjarntYegarlitiWertilatvikasemgetiWer1.mgr.oghagsmunatj;nYola.Btur,semstarfsmaWurhefurgreitt,geturhannkrafiWrhendivinnuveitandaaWYvmarkisemb;tabyrgWhvlirendanlegavinnuveitandaeftir1.mgr.  kvWi1.mgr.eigaeinnigviWumkrfuvinnuveitandahendurstarfsmannivegnatj;nssemstarfsmaWurinnveldurvinnuveitandastarfisnu.J@DD"^  Almennlkkunarregla.JP0.00  ݈ r= H@)^  24.gr.H&0.00  ݈  Lkkamb;tafjrhWeWafellaniWurskaWab;tabyrgWefbyrgWinyrWihinumb;taskyldasvoYungbraW;sanngjarntmteljaeWaltaverWuraWWruleytiskerWingueWaniWurfellingusanngjarnavegnamjg;venjulegraaWstWna.XegarmetiWerhvortstWastilaWbeitaheimildinniskalltatilYesshvemikiWtj;niWer,eWlisb;tabyrgWar,aWstWnatj;nvalds,hagsmunatj;nYola,vtryggingaaWilaogannarraatvika.  XegarskilyrWi1.mgr.erufyrirhendimaWnokkrueWallultaframhjYvaWtj;nYoliermeWvalduraWtj;ni.ReglaYessieinnigviWumkrfumannsermissthefurframfrandasemvarmeWvalduraWdauWasnum.J@^  Fleirieneinnb;tabyrgir.Jw1.m  ݈ +" H@)^  25.gr.H,1.m  ݈  BeritveireWafleiri;skiptab;tabyrgWskalbyrgWYeirrainnbyrWisskiptasteftirYvsemsanngjarntYykirYegarlitiWertileWlisskaWab;tabyrgWarYeirraogatvikaaWWruleyti.  TakibyrgWartryggingeinseWafleirihinnab;tabyrgutiltj;nsinsskalfaraeftirkvWum1.og2.mgr.19.gr.og21.gr.0tilvikum,semnefnderu1.eWa2.tlul.2.mgr.19.gr.eWa21.gr.,m,Yegarb;tabyrgWerdeilthinab;tabyrgu,takatillittilbyrgWartryggingasemYeirhfWu.XettagildireinnigYegarkvWi20.gr.eigaviW.J@#^  Bturfyrirmiska.J1.m  ݈ N&"+ H@)^  26.gr.Ha1.m  ݈  SsembyrgWber;lgmtrimeingerWgegnfrelsi,friWi,rueWapers;nuannarsmannsskalgreiWaYeimsemmisgerterviWmiskabtur.kvWi1.og2.mgr.18.gr.eigaeinnigviWummiskabturskv.1.mlsl.Yessarargreinar.J@ ^  BanngegnYvaWvkjafrlgunummeWsamningi.JϹ1.m  ݈ +&1 H@)^  27.gr.H1.m  ݈  Eigim,Wurentj;nverWur,vkjameWsamningifrreglum1.!16.gr.,2.mgr.24.gr.eWa26. ,q(3 gr.lagaYessaraefYaWer;hagYeimsemskaWab;tartt. q-<)4   Eigim,Wurentj;nverWur,vkjameWsamningifrreglum1.mgr.17.gr.,1.eWa3.mgr.19.gr.,20.gr.,2.mgr.22.gr.,23.gr.,1.mgr.24.gr.eWa25.gr.lagaYessaraefYaWer;haghinumskaWab;taskylda.X;mvkjafr25.gr.aWYvervarWartj;nsemvaldiWeropinberristarfsemieWaeinkaatvinnurekstrieWasambrilegumrekstri.D@(^  IV.KAFLID1.m  ݈>@HH$^   Gildistakao.fl.>1.m   ݈  H@)^  28.gr.H1.m  ݈  LgYessiWlastgildi1.jl1993ogeigaviWumskaWab;tabyrgWvegnatj;nssemverWureftirgildistkulaganna.@zz"^BrottfalllagakvWa.    H@)^  29.gr.H1.m  ݈  EftirtalinlagakvWifallabrottviWgildistkulaganna:C $$C- - ?<<2  2  ڈ.3   0  264.gr.almennrahegningarlaga,nr.19/1940.O     ?<<2  4  ڈ.3   0  25.gr.laganr.20/1954,umvtryggingarsamninga.     ?<<2  6  ڈ.3   0  3.og4.mgr.133.gr.og136.gr.loftferWalaga,nr.34/1964.     ?<<2  8  ڈ.3   0  59.gr.laganr.67/1971,umalmannatryggingar.{     ?2   10  ڈ.3   0  5.mgr.5.gr.laganr.56/1972,umlgreglumenn,sbr.1.gr.laganr.26/1987og2.gr.laga {F nr.64/1989.     ? 2   12  ڈ.3   0  16.gr.siglingalaga,nr.34/1985.    ? 2   14  ڈ.3   0  1.mgr.60.gr.sj;mannalaga,nr.35/1985.   ?$' #dE[?  @^  & -%q& -%%& -  SamYykktAlYingi6.ma1993.a1.m  1.m  ݈ `+!