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S+! #j y Fullngiums;knumstarfsleyfiekkiskilyrWumlagaYessaraaWmatiFjrmlaeftirlitsins " skalums;kninnisynjaW. #  y SynjunFjrmlaeftirlitsinsums;knskalrkstuddogtilkynntumskjandainnan  $ mnaWarfrm;ttkufullbinnarums;knar.SynjunskalY;alltafhafaboristumskjandasex !W% mnuWumfrm;ttkuums;knar. J""&   11.gr. #( Skryfirveittstarfsleyfi. $ ) ml y FjrmlaeftirlitiWskalhaldaskr,vtryggingamiWlaraskr,yfirYsemleyfihafatil v%N!*  vtryggingamiWlunarhrlandi. A&"+  y & O  EftirfarandiatriWiskuluskrW: ( ! ! (80 "A0J"  A0Jn y2  1  .3  Ԉ0    Nafn,kennitalaoglgheimilivtryggingamiWlara.A0Jnn݌   Ќ  "A0J"  A0Jo y2  2  .3  Ԉ0    Btgfudagurstarfsleyfis.A0Joo݌   Ќ  "A0J"  A0Jp y2  3  .3  Ԉ0    GreinaflokkarvtryggingasemheimilteraWmiWla.A0Jpp݌a   Ќ  "A0J"  A0Jq y2  4  .3  Ԉ0    TengslviWvtryggingaflgogvtryggingamiWlara.A0Jqq݌T,   Ќ  "A0J"  A0Jr y2  5  .3  Ԉ0    HeitiogaWseturYessvtryggingaflagserveitirlgboWnastarfsbyrgWartryggingu.  GildistmivtryggingarinnarogvtryggingarfjrhW.A0Jrr݌   Ќ  "A0J"  A0JTt y2  6  .3  Ԉ0    Nfn,kennitlurogheimilistj;rnarmannaogframkvmdastj;ra,YegarviW.A0JTtt݌    Ќ  "A0J"  A0Ju y2  7  .3  Ԉ0    0hvaWarkjumvtryggingamiWlaristundarstarfsemigrundvelli56.gr.A0Juu݌ X   Ќ   y AllarbreytingarvarWandiatriWisemskrWeruvtryggingamiWlaraskrskulutilkynntar K #  Fjrmlaeftirlitinueinsflj;ttogunnterogeigisWarenmnuWieftiraWYrhafatekiWgildi.     y AlmenningiskalheimillaWganguraWvtryggingamiWlaraskr.    'O (m  12.gr. wO  Heiti. B  :x y SeinnmnotaheitiWvtryggingamiWlarisemhefurstarfsleyfihrlandiogerskrWur    vtryggingamiWlaraskr.    y ShttaaWvillstverWinafnierlendsvtryggingamiWlarasemstarfarhrlandi {  grundvelli55.gr.oginnlendsvtryggingamiWlarageturFjrmlaeftirlitiWkrafistYessaW nF annarvtryggingamiWlarinnverWiauWkenndursrstaklega. 9   13.gr.  Breytingstarfsemi. r z y VtryggingamiWlarisemhyggsttakauppnUjangreinaflokkvtryggingaskalskjaum e= leyfitilFjrmlaeftirlitsinsfyrirhinninUjustarfsemi.0ums;knskalkomaframhvaWa 0 greinaflokkafyrirhugaWeraWtakaupp,Yskulufylgjaums;knggnersannaaWgild  starfsbyrgWartryggingsfyrirhendi.AfgreiWslaums;knarinnarferskv.9.gr.   y   14.gr. \4 Takmarkanirstarfsemi. ' | y VtryggingamiWlariskaleinungismiWlafrumtryggingumvegumvtryggingaflagasem  hafastarfsleyfihrlandi.StarfsleyfivtryggingaflagsaWildarrkitelstjafngilda  starfsleyfihrlandi,endasuuppfylltskilyrWilagaumvtryggingastarfsemivarWandi `  heimildirtilstofnunartibseWatilaWveitahrYj;nustunstarfsstWvar. S+!  y FjrmlaeftirlitiWgetur,YegarsrstakaraWstWurerufyrirhendi,heimilaWundanYgurfr " banniskv.1.mgr. #   III.KAFLI !W%  HfiskrfurvtryggingamiWlara.  J""& 15.gr. #' HfisskilyrWieinstaklings. #(  y EinstaklingursemstundarvtryggingamiWlunskalveralgrWaogverabsetturhr $ ) landi.HannmekkisWustufimmrumhafaveriWrskurWaWurgjaldYrotaeWatengslum v%N!* viWatvinnureksturhlotiWd;mfyrirrefsiverWanverknaWsamkvmtalmennum A&"+ hegningarlgum,YessumlgumeWalgumumhlutaflg,einkahlutaflg,b;khald,  '", rsreikninga,gjaldYrot&  eWaopinbergjldeWaYeimsrlgumsemgildaumaWilasemlta '#- opinberueftirlitimeWfjrmlastarfsemi.'' (z$.  y EinstaklingursemstundarvtryggingamiWlunskalbayfirngilegriYekkinguog ( starfsreynslutilaWgetasinntstarfisnutilhlUWileganhtt.HannmekkihafasUntafsr  httsemisemgefurtilefnitilaWtlaaWhannmisnotiaWstWusnaeWaskaWistarfsemina.   y EinstaklingursemstundarvtryggingamiWlunskaljafnframthafastaWistpr;fmiWlun a vtryggingaskv.18.gr. T,  y RkisborgararannarraaWildarrkjaeruundanYegnirbsetuskilyrWumsuYeirbsettir  aWildarrki.RWherraerheimiltaWveitaundanYgufrbsetuskilyrWum.    16.gr.  X HfisskilyrWistj;rnarogframkvmdastj;ralgaWila. K #  j y Stj;rnarmennogframkvmdastj;rivtryggingamiWlaraskuluveralgrWa.Xeirmega    ekkisWustufimmrumhafaveriWrskurWaWirgjaldYrotaeWatengslumviWatvinnurekstur    hlotiWd;mfyrirrefsiverWanverknaWsamkvmtalmennumhegningarlgum,Yessumlgum   eWalgumumhlutaflg,einkahlutaflg,b;khald,rsreikninga,gjaldYroteWaopinbergjld wO  eWaYeimsrlgumsemgildaumaWilasemltaopinberueftirlitimeWfjrmlastarfsemi. B   y Stj;rnarmennogframkvmdastj;riskulubayfirngilegriYekkinguogstarfsreynslu    tilaWgetagegntstWusinnitilhlUWileganhtt.XeirmegaekkihafasUntafsrhttsemisem   gefurtilefnitilaWtlaaWYeirmisnotiaWstWusnaeWaskaWiflagiW. {   y Umstj;rnogframkvmdastj;ravtryggingamiWlaragildakvWilagaumhlutaflgeWa nF einkahlutaflg,endasekkiannanvegmltlgumYessum. 9   17.gr.  HfisskilyrWistarfsmannavtryggingamiWlara. r ŋ y StarfsmaWurvtryggingamiWlara,semhefurumsj;nmeWdaglegristarfsemitengslumviW e= vtryggingamiWlunskv.1.tlul.3.gr.,skalhafastaWistpr;fmiWlunvtrygginga.0tengslum 0 viWveitingustarfsleyfisogjafnskj;ttogbreytingarverWastarfsmannahaldiber  vtryggingamiWlaraaWtilkynnaFjrmlaeftirlitinuumstarfsmennsamkvmtYessari  mlsgrein. i  y VtryggingamiWlariskaltryggjaaWvtryggingaslumennerstarfahansvegumbiyfir \4 ngilegristarfsreynsluogYekkingutilaWgetasinntvtryggingamiWlun,YarmeWal ' meginatriWumYessaralaga,lagaumvtryggingastarfsemi,lagaumvtryggingarsamninga  oglagaumopinberteftirlitmeWfjrmlastarfsemi.   y VtryggingaslumennskuluveralgrWaoghafaforrWibisnu.Xeirskuluekkihafa `  sWustufimmrumtengslumviWatvinnureksturhlotiWd;mfyrirrefsiverWanverknaW S+! samkvmtalmennumhegningarlgum,YessumlgumeWalgumumhlutaflg, " einkahlutaflg,b;khald,rsreikninga,gjaldYroteWaopinbergjldeWaYeimsrlgumsem # gildaumaWilasemltaopinberueftirlitimeWfjrmlastarfsemi.  $  y ViWskiptarWherragetursettnnarireglurumhfisskilyrWistarfsmanna !W% vtryggingamiWlara,m.a.umlgmarksYekkingu. J""&   18.gr. #( Pr;fmiWlunvtrygginga. $ )  y Pr;fnefndhefurumsj;nmeWpr;fimiWlunvtryggingasemaWjafnaWiskalhaldiWeinu v%N!* sinniri.ViWskiptarWherraskiparYriggjamannapr;fnefndtilfjgurrarasenn.TilaW A&"+ standa&  straumafkostnaWiviWframkvmdpr;faskulupr;ftakargreiWagjaldsemrWherra  '",  kveWur.kvarWanirpr;fnefndareruendanlegarstj;rnsUslustigi.' ' '#-  y &   Pr;fnefnderheimiltaWfela;hWumaWilumaWgefaeinkunnfyrirpr;frlausn.Xgetur ( pr;fnefndskipaW'(pr;fd;maratilaWendurskoWarlausnpr;ftaka.0reglugerWskalkveWa  nnarumframkvmdpr;fs,YarmeWalpr;fkrfurogpr;fsefnislUsingu,ogheimildirtil  aWveitaundanYgurfreinstkumhlutumslkspr;fseWapr;fiheild. a   IV.KAFLI   FjrhagslegarkrfurvtryggingamiWlara.   19.gr.   FjrhagslegstaWa.tlun.  X  y VtryggingamiWlariskalhverjumtmagetastaWiWviWfjrhagslegarskuldbindingar K #  snar.EflkureruYvaWvtryggingamiWlarieigiekkifyrirfjrhagslegumskuldbindingum    snumskalhanngeraFjrmlaeftirlitinugreinfyrirstWusinniogleggjafyrirYaWtlunum    endurreisnfjrhags.FjrmlaeftirlitiWkveWurhvortYrrWstafanirteljastfullngjandi.    y tlunskv.1.mgr.skalm.a.innihaldatlaWanrekstrarkostnaW,sundurliWaWatlunum wO  tekjuroggjldogtlaWanefnahagsreikning. B   y GefirsreikningurvtryggingamiWlaraFjrmlaeftirlitinuvsbendinguumaW    vtryggingamiWlarieigiekkifyrirfjrhagslegumskuldbindingumgeturFjrmlaeftirlitiWgert   vtryggingamiWlaraaWskilatlunskv.1.mgr. {   y MeWantlunskv.1.mgr.ergildiskalFjrmlaeftirlitiWekkiframsendatilkynningu nF vegnarWagerWavtryggingamiWlaraumstarfsemierlendis,sbr.56.gr. 9   20.gr.  StarfsbyrgWartrygging. r d y VtryggingamiWlurumerskyltaWhafagildibyrgWartrygginguvegnafjrhagstj;nssem e= leittgeturafgleysistrfumYeirraeWastarfsmannaYeirra.SlktrygginggeturveriW 0 vtryggingtekinhjvtryggingaflagisemhefurstarfsleyfihrlandieWannurtrygging  jafngildaWmatiFjrmlaeftirlitsins.NnarikvWiumgildissviWvtryggingarinnar,Y.m.t.  vtryggingarfjrhWir,skalsetjareglugerW. i  y VtryggingamiWlariskalsendaFjrmlaeftirlitinustaWfestinguendurnUjun \4 starfsbyrgWartryggingar. '   21.gr.  ViWtakafjrmuna. `   y VtryggingamiWlarimekkitakaviWiWgjldum,vtryggingarb;tumeWaWrum S+! fjrmunumfyrirhndvtryggingaflagseWaviWskiptamannsnemasamkvmtskriflegri " heimild. #   22.gr. !W% Vrslufjrreikningar. J""&  y VtryggingamiWlaraerskyltaWhaldafjrmunumsemhanntekurviWYguannarra #' aWgreindumfreiginf.SkuluslkirfjrmunirvarWveittirsrstkumvrslufjrreikningi. #( Vextir,semvrslufkunnaaWfalla,rennatileigandaYess.VtryggingamiWlarierekki $ ) eigandiinnstWuvrslufjrreikningisamkvmtYessarigreinoginnstWanerekkihft v%N!* andlagaWfarargerWahjhonumogstendurutanskuldaraWarviWskiptibihans. A&"+  y ViWskiptarWherraseturnnarireglurumvrslufjrreikninga.  '",   '#-   &   V.KAFLI (  StarfshttirvtryggingamiWlara.   23.gr.  YfirsUnyfirstarfseminaogsrstakarrWstafanir. a Y y VtryggingamiWlariskal:'(e T, ! ! (88"A0J"  A0JF y2  1  .3  Ԉ0    gtaYessaWframkvmdastj;rivtryggingamiWlunarhafiyfirsUnyfirrekstur  miWlunarinnar,YarmeWalfjrhagslegastWu,A0JFs݌   Ќ  "A0J"  A0J˨ y2  2  .3  Ԉ0    gtaYessaWsstarfsmaWur,semhefurumsj;nmeWdaglegristarfsemitengslumviW   vtryggingamiWlunskv.1.tlul.3.gr.,hafiyfirsUnyfirreksturmiWlunarinnar,A0J˨݌ X   Ќ  "A0J"  A0J{ y2  3  .3  Ԉ0    gtaYessaWfjldivtryggingaslumannaerstarfahansvegumshfilegursvo K #  fullvstmegiteljaaWhannhafiyfirsUnyfirreksturinn.A0J{݌     Ќ    24.gr.   RWningar-eWaverksamningar. wO   y VtryggingamiWlariskalgeraskrifleganrWningar-og/eWaverksamningviW B  vtryggingaslumennsemeruYj;nustuhanseWakomaframfyrirhanshnd.Xarskal    kveWiWumrttindiogskylduraWila,YarmeWalumaWvtryggingaslumaWurstarfi   byrgWogundirstj;rnogeftirlitivtryggingamiWlarans.VtryggingamiWlariskaltryggjaaW {  vtryggingaslumaWurfalliundirstarfsbyrgWartrygginguvtryggingamiWlarans. nF VtryggingaslumaWursemerYj;nustueWakemurframfyrirhndvtryggingamiWlaraskal 9 starfafullusamrmiviWYrreglursemgildaummiWlunvtrygginga.ViWkomandiberaW  leysastarfsittafhendisamrmiviWg;WarvenjurvtryggingaviWskiptum.    25.gr. e= SamningurumYj;nustu. 0 5 y VtryggingamiWlariskalgeraskriflegansamningviWviWskiptamennsnaWurenhann  tekurtilstarfafyrirviWkomandi.0samningiskalkomaframhverjuumboW  vtryggingamiWlaransfelst,hversuvWtktYaWerogtilhvaWaYttastarfssviWihansYaW i nr.EinnigskalkomaframhvorthonumerheimiltaWtakaviWfjrmunumfyrirhnd \4 viWskiptamannaogumskilYeim. '   26.gr.  Skilrki. `  ² y HverssemerYj;nustueWakemurframfyrirhndvtryggingamiWlaraskalviWstrfsn S+! framvsafullngjandiskilrkjumsemgefinerutafvtryggingamiWlarasemhannstarfar " fyrir. #   27.gr. !W% TrnaWarupplUsingar. J""& 3 y VtryggingamiWlari,stj;rnarmenn,framkvmdastj;rar,endurskoWendur, #' vtryggingaslumenn,aWrirstarfsmennoghverjirYeirsemtakaaWsrverkYgu #( vtryggingamiWlaraerubundnirYagnarskylduumalltYaWsemYeirfvitneskjuumviW $ ) framkvmdstarfasnsogvarWarviWskipta-eWaeinkamlefniviWskiptamanna,nemaskylt v%N!* saWveitaupplUsingarsamkvmtlgum.XagnarskyldanhelstY;ttltiWsafstarfi. A&"+  y & a SsemveitirviWtkuupplUsingumafYvtagisemumgetur1.mgr.erbundinn  '", YagnarskyldumeWsamahttiogYargreinir.SaWilisemveitirupplUsingarnarskalminna '#- viWtakandaumYagnarskylduna.'a ' (z$.  y ViWmiWlunvtryggingaskalfullngjaskilyrWumlagaumpers;nuverndogmeWferW ( pers;nuupplUsinga,nr.77/2000.    28.gr. a G;WirviWskiptahttirogvenjur. T,  y VtryggingamiWlariskalstarfasamrmiviWg;WaviWskiptahttiogvenjur  vtryggingamarkaWiogmeWhagvtryggingartakaogvtryggWrafyriraugum.VerWi  misbresturskalFjrmlaeftirlitiWgefafyrirmliumaWrWinverWib;tYvsemrskeiWis   hefurfariW.  X   29.gr.    ReglugerWarheimild.     y ViWskiptarWherrahefurheimildtilaWkveWannarumstarfshttivtryggingamiWlara   reglugerW,YarmeWalumyfirsUnvtryggingamiWlarayfirrekstur. wO    VI.KAFLI     UpplUsingaskyldavtryggingamiWlara.    30.gr. {  UpplUsingarviWgerWogendurnUjunvtryggingarsamnings. nF g y WurenvtryggingarsamningurergerWurskalvtryggingamiWlariltavntanlegum 9 vtryggingartakata.m.k.eftirfarandiupplUsingar:  ! ! "(88 "A0J"  A0Jξ y2  1  .3  Ԉ0    NafnogheimilisfangvtryggingamiWlarans.A0Jξ݌   Ќ  "A0J"  A0J׿ y2  2  .3  Ԉ0    HvarvtryggingamiWlarierskrWuroghverniggangamegirskuggaumskrninguna.A0J׿݌r   Ќ  "A0J"  A0J  y2  3  .3  Ԉ0    HvorthannveitirrWgjfgrundvellia-eWab-liWar1.tlul.3.gr.A0J 8݌e=   Ќ  "A0J"  A0J7 y2  4  .3  Ԉ0    HvortvtryggingamiWlarieigivirkaneignarhlutvtryggingaflagi.A0J7d݌0   Ќ  "A0J"  A0J[ y2  5  .3  Ԉ0    HvortvtryggingaflageWam;Wurflagvtryggingaflagseigivirkaneignarhlut  vtryggingamiWlara.A0J[݌   Ќ  "A0J"  A0J y2  6  .3  Ԉ0    Umendurgjaldskv.1.mgr.32.gr.A0J݌i   Ќ   y ViWendurnUjunvtryggingarsamnings,eWabreytinguhonum,skalveita \4 vtryggingartakaupplUsingarskv.1.mgr.hafibreytingarorWiWatriWumsemtalineruupp ' 1.!6.tlul.   y MiWlivtryggingamiWlarivtryggingumgrundvellib-liWar1.tlul.3.gr.skal  vntanlegurvtryggingartakiupplUsturumheitivtryggingaflagannaWurenhanner `  skuldbundinnsamkvmtvtryggingarsamningi. S+!  y UpplUsingaskyldavtryggingaflagssamkvmtlgumumvtryggingarsamningaog " vtryggingastarfsemihvlirvtryggingamiWlaraviWvtryggingamiWluneftirYvsemviW # .  $   31.gr. J""& RkstuWningurrWgjafar. #'  y WurenvtryggingarsamningurergerWurskalvtryggingamiWlariskilgreina,einkum #( grundvelliupplUsingafrvntanlegumvtryggingartaka,krfurogYarfirhans.Skalhann $ ) skUravntanlegumvtryggingartakafrYeimstWumsemliggjaaWbakirWleggingum v%N!* hans.RkstuWningurskaltakamiWafeWliYessvtryggingarsamningssemmltermeW. A&"+    '",   & ,  32.gr. ( Endurgjald.  k y VntanlegurvtryggingartakiskalupplUsturumendurgjaldsemvtryggingamiWlari  YiggureWaskilursrvegnaviWskiptanna.',(wSkUrtskalkomaframhvorskuligreiWa a endurgjaldiW,vntanlegurvtryggingartakieWavtryggingaflag. T,  y VtryggingamiWlarimekkitakaviWendurgjaldiafneinutagifrvtryggingaflaginema  vegnavtryggingarsamningasemkomiWhefurveriWmillivtryggingaflagsinsog  vtryggingartaka.    y UpplUsingarskv.1.mgr.skaleinnigveitaviWbreytingueWaendurnUjun  X vtryggingarsamningi. K #    33.gr.    FormupplUsinga.    y UpplUsingarsemveittarerusamkvmtYessumkaflaskalveita: wO  ! ! $(88""A0J"  A0JV y2  1  .3  Ԉ0    skriflegaeWaWrumvaranlegummiWli,A0JV݌B    Ќ  "A0J"  A0Jb y2  2  .3  Ԉ0    skUranognkvmanhttsemviWtakandanumerskiljanlegur,A0Jb݌     Ќ  "A0J"  A0J y2  3  .3  Ԉ0    slenskueWaWrutungumlisembWiraWilarsamYykkja.A0J݌    Ќ   y XrttfyrirkvWi1.tlul.1.mgr.erheimiltaWveitaupplUsingarmunnlega;ski {  vntanlegurvtryggingartakiYesssrstaklegaeWaefvtryggingarverndarerYrfYegar nF staW.0slkumtilvikumskalveitaupplUsingarsamrmiviW1.mgr.YegarstaWeftirgerW 9 vtryggingarsamnings.   y ViWmiWlunvtryggingasmsluskalveitaupplUsingarskv.9.gr.lagaumfjarslu  fjrmlaYj;nustu.UpplUsingarskv.1.mgr.skuluveittarYegarstaWeftirgerW r vtryggingarsamnings. e=   VII.KAFLI   AfturkllunoginnlgnstarfsleyfisvtryggingamiWlara.   34.gr. i stWurafturkllunar. \4 q y FjrmlaeftirlitiWgeturafturkallaWstarfsleyfivtryggingamiWlaraYegar: ' ! ! &(Ť88$"A0J"  A0Jm y2Ť  1  .3  Ԉ0    vtryggingamiWlarihefurfengiWstarfsleyfigrundvellirangraupplUsingaeWaannan  ;eWlileganhtt,A0Jm݌   Ќ  "A0J"  A0J y2Ť  2  .3  Ԉ0    vtryggingamiWlarihefurekkigildastarfsbyrgWartryggingu,A0J݌`    Ќ  "A0J"  A0J y2Ť  3  .3  Ԉ0    eftirlitsgjaldervanskilum,A0J!݌S+!   Ќ  "A0J"  A0J y2Ť  4  .3  Ԉ0    vtryggingamiWlarieWastarfsf;lkhansuppfyllirekkihfisskilyrWisemframkoma " 15.!17.gr.,A0J݌#   Ќ  "A0J"  A0JM y2Ť  5  .3  Ԉ0    starfsleyfihefurekkiveriWnUttinnant;lfmnaWafrYvaWYaWvarveitt,YvveriW  $ ;tvrttafsalaWeWastarfsemihefurveriWhttmeiraensexmnuWisamfellt,A0JMz݌!W%   Ќ  "A0J"  A0J y2Ť  6  .3  Ԉ0    vtryggingamiWlaribrUturaWWruleytialvarlegaeWatrekaWgegnlgumYessumeWa J""& reglum,samYykktumeWareglugerWumsettumsamkvmtYeim.A0J>݌#'   Ќ   y Wurentilafturkllunarkemurskv.1.mgr.skalvtryggingamiWlaraveitturhfilegur #( fresturtilrb;tasunntaWkomarb;tumviWaWmatiFjrmlaeftirlitsins. $ )  y ViWafturkllunstarfsleyfisskalFjrmlaeftirlitiWtakavtryggingamiWlarataf v%N!* vtryggingamiWlaraskr. A&"+    '",   & ,  35.gr. ( Tilkynningumafturkllunstarfsleyfis.  k y AfturkllunstarfsleyfivtryggingamiWlaraskaltilkynntfyrirsvarsmannieWastj;rn  vtryggingamiWlaraogrkstuddskriflega.',(wFjrmlaeftirlitiWskalbirtatilkynningu a LgbirtingablaWiogauglUsafjlmiWlum.StarfrkivtryggingamiWlaritibeWa T, Yj;nustustarfsemiWrurkiskaltilkynningsendlgbrumeftirlitsaWilumYvrki.    36.gr.   Innlgnstarfsleyfis.  X  y HyggistvtryggingamiWlarihttastarfsemi,standihannekkilengurfyrirsjlfstWri K #  starfsemieWastarfihannekkilengurhjvtryggingamiWlaraskalhannskilainnstarfsleyfi    snu.     y WurenvtryggingamiWlarihttirstarfsemiogleggurinnstarfsleyfisittskalhanngera   viWeigandirWstafanirtilaWtryggjarttarstWuviWskiptamannasinna.HannskalupplUsa wO  viWsemjendursna,Y.e.vtryggingaflgogYsemhafafalasteftirvtryggingu,uminnlgn B  starfsleyfis.HannskaljafnframtleitastviWaWfannantilYessbranaWila,einneWafleiri,    tilaWtakaaWsraWYj;nustaYvtryggingarsamningasemkomiWhefurveriW.Hannskal   geraFjrmlaeftirlitinugreinfyrirrWstfunumsnum. {   y VtryggingamiWlarasemhyggstskilainnstarfsleyfisnuskv.1.mgr.er;heimiltaWsegja nF uppstarfsbyrgWartryggingufyrrenaWfenginnistaWfestinguFjrmlaeftirlitsinnlgn 9 leyfis.   y ViWinnlgnstarfsleyfisskalvtryggingamiWlarifelldurtafvtryggingamiWlaraskr.  FjrmlaeftirlitiWskalbirtatilkynninguYessefnisLgbirtingablaWi. r  y :skiaWilisemlagthefurstarfsleyfiinnaWhefjastarfsemiaWnUjuferumYums;kneftir e= kvWumII.kafla. 0   VIII.KAFLI   TilkynningarogskilggnumvtryggingamiWlara.  i 37.gr. \4 Skilrsreiknings. '  y VtryggingamiWlariskalsendaFjrmlaeftirlitinursreikningendurskoWaWanaflggiltum  endurskoWandaeigisWarenfj;rummnuWumeftirlokreikningsrs.rsreikningurskal  undirritaWurafvtryggingamiWlaraogstj;rnogframkvmdastj;raYegarumlgaWilaeraW `  rWa. S+!  y 0skUringumrsreikningsskalgreinafrheildarfjrhWfjrmunasemvtryggingamiWlari " varWveitirvrslufjrreikningumrslokfyrirhndviWskiptaaWila,sbr.22.gr.Xskalfylgja # yfirlUsinglggiltsendurskoWandaumaWmeWferWvtryggingamiWlarafjrmunum  $ undangengiWreikningsrssamrmiviWlgYessiogreglurumvrslufjrreikninga. !W%  y rsreikningiskalfylgjaskryfirYauvtryggingaflgsemmiWlaWertilvegna J""& vtryggingarhttuhrlandisamtiWgjaldamagniogY;knunfrhverjuflagivegna #' vtryggingarsamningasemkomiWhefurveriW,meWskiptingugreinaflokkavtrygginga. #( EinnigskalfylgjagreinargerWumnnurtengslviWvtryggingaflg. $ )   38.gr. A&"+ TilkynningumframkomnaskaWab;takrfu.  '",  y VtryggingamiWlariskalYegarstaWtilkynnaFjrmlaeftirlitinuefgerWerskaWab;takrafa '#- vegnastarfahans.0tilkynningunniskulukomaframupplUsingarumefniogfjrhW (z$. krfunnar. (   IX.KAFLI   SkrningvtryggingaumboWsmanns.  a 39.gr. T, SkrningvtryggingaumboWsmanns.   y XegarvtryggingaflaghefurgertsamningviWvtryggingaumboWsmannummiWlun  vtryggingaflagsinsskalflagiWskrvtryggingaumboWsmann,sbr.40.gr.Almenningi   skalheimillaWganguraWupplUsingumumskrWavtryggingaumboWsmennhjviWkomandi  X vtryggingaflagi. K #   y VtryggingaumboWsmannierheimiltaWhefjastarfsemiYegarhannhefurveriWskrWur    hjvtryggingaflagi.     y XegarvtryggingaumboWsmaWurhttiraWmiWlavtryggingumvegumvtryggingaflags   skalhanntekinntafskrflagsins. wO   y FjrmlaeftirlitiWgetursettnnarireglurumskrninguvtryggingaumboWsmanns. B    40.gr.   SkilyrWiskrningar. {   y WurervtryggingaflagskrirvtryggingaumboWsmannskalflagiWgangarskugga nF umaW: 9 ! ! ((դ88&"A0J"  A0J y2դ  1  .3  Ԉ0    einstaklingursemstarfarsemvtryggingaumboWsmaWuruppfyllikvWi1.og2.mgr.  15.gr.,A0J݌   Ќ  "A0J"  A0J y2դ  2  .3  Ԉ0    vtryggingaumboWsmaWursemstarfarsemlgaWiliuppfyllikvWi16.gr.,A0J݌r   Ќ  "A0J"  A0J y2դ  3  .3  Ԉ0    vtryggingaslumennsemstarfabyrgWvtryggingaumboWsmannsuppfylliskilyrWi e= 2.og3.mgr.17.gr.A0JH݌0   Ќ    41.gr.  Heiti. i { y SeinnmnotaheitiWvtryggingaumboWsmaWursemhefurveriWskrWurhj \4 vtryggingaflagi. '  y ShttaaWvillstverWinafnierlendsvtryggingaumboWsmannssemstarfarhrlandi  grundvelli55.gr.oginnlendsvtryggingaumboWsmannsgeturFjrmlaeftirlitiWkrafist  YessaWannarvtryggingaumboWsmaWurinnverWiauWkenndursrstaklega. `    42.gr. " Takmarkanirstarfsemi. #  y VtryggingaumboWsmaWurskaleinungismiWlafrumtryggingumvegum  $ vtryggingaflagasemhafastarfsleyfihrlandi.StarfsleyfivtryggingaflagsaWildarrki !W% telstjafngildastarfsleyfihrlandi,endasuuppfylltskilyrWilagaumvtryggingastarfsemi J""& varWandiheimildirtilstofnunartibseWatilaWveitahrYj;nustunstofnunartibs. #'  y FjrmlaeftirlitiWgetur,YegarsrstakaraWstWurerufyrirhendi,heimilaWundanYgurfr #( banniskv.1.mgr. $ )   43.gr. A&"+ ViWtakafjrmuna.  '",  y VtryggingaumboWsmaWurmekkitakaviWiWgjldum,vtryggingarb;tumeWaWrum '#- fjrmunumfyrirhndvtryggingaflagseWaviWskiptamannsnemasamkvmtskriflegri (z$. heimild. (   44.gr.  Vrslufjrreikningur. a F y VtryggingaumboWsmannierskyltaWhaldafjrmunumsemhanntekurviWYguannarra T, aWgreindumfreiginf.SkuluslkirfjrmunirvarWveittirsrstkumvrslufjrreikningi.  Vextir,semvrslufkunnaaWfalla,rennatileigandaYess.VtryggingaumboWsmaWurer  ekkieigandiinnstWuvrslufjrreikningisamkvmtYessarigreinoginnstWanerekki   hftandlagaWfarargerWahjhonumogstendurutanskuldaraWarviWskiptibihans.  X  y ViWskiptarWherraseturnnarireglurumvrslufjrreikninga. K #    X.KAFLI     StarfshttirvtryggingaumboWmanns.    45.gr. wO  YfirsUnyfirstarfseminaogsrstakarrWstafanir. B  o y VtryggingaumboWsmaWurskal:    ! ! *(88("A0J"  A0J=  y2  1  .3  Ԉ0    gtaYessaWframkvmdastj;rivtryggingaumboWsmannshafiyfirsUnyfirrekstur   starfseminnar,A0J= j ݌{    Ќ  "A0J"  A0J  y2  2  .3  Ԉ0    gtaYessaWsstarfsmaWur,semhefurumsj;nmeWdaglegristarfsemitengslumviW nF miWlunvtrygginga,sbr.1.mgr.1.gr.,hafiyfirsUnyfirreksturstarfseminnar,A0J  ݌9   Ќ  "A0J"  A0JF  y2  3  .3  Ԉ0    gtaYessaWfjldivtryggingaslumannaerstarfahansvegumshfilegursvo  fullvstmegiteljaaWhannhafiyfirsUnyfirreksturinn.A0JF s ݌   Ќ    46.gr. e= RWningar-eWaverksamningar. 0   y VtryggingaumboWsmaWurskalgeraskrifleganrWningar-og/eWaverksamningviW  vtryggingaslumennsemeruYj;nustuhanseWakomaframfyrirhanshnd.Xarskal  kveWiWumrttindiogskylduraWila,YarmeWalumaWvtryggingaslumaWurstarfi i byrgWogundirstj;rnogeftirlitivtryggingaumboWsmanns.VtryggingaslumaWursemer \4 Yj;nustueWakemurframfyrirhndvtryggingaumboWsmannsskalstarfafullusamrmi ' viWYrreglursemgildaummiWlunvtrygginga.ViWkomandiberaWleysastarfsittafhendi  samrmiviWg;WarvenjurvtryggingaviWskiptum.    47.gr. S+! Skilrki. " x y HverssemerYj;nustueWakemurframfyrirhndvtryggingaumboWsmannsskalviW # strfsnframvsafullngjandiskilrkjumsemtgefineruafvtryggingaumboWsmannisem  $ hannstarfarfyrir. !W%   48.gr. #' TrnaWarupplUsingar. #(  y VtryggingaumboWsmaWur,stj;rnarmenn,framkvmdastj;rar,endurskoWendur, $ ) vtryggingaslumenn,aWrirstarfsmennoghverjirYeirsemtakaaWsrverkYgu v%N!* vtryggingaumboWsmannserubundnirYagnarskylduumalltYaWsemYeirfvitneskjuum A&"+ viWframkvmdstarfasnsogvarWarviWskipta-eWaeinkamlefniviWskiptamanna,nema  '",  skyltsaWveitaupplUsingarsamkvmtlgum.XagnarskyldanhelstY;ttltiWsafstarfi. '#-  y & a  SsemveitirviWtkuupplUsingumafYvtagisemumgetur1.mgr.erbundinn ( YagnarskyldumeWsamahttiogYargreinir.SaWilisemveitirupplUsingarnarskalminna  viWtakandaumYagnarskylduna.'a(   y ViWmiWlunvtryggingaskalfullngjaskilyrWumlagaumpers;nuverndogmeWferW a pers;nuupplUsinga,nr.77/2000. T,   49.gr.  G;WirviWskiptahttirogvenjur.    y VtryggingaumboWsmaWurskalstarfasamrmiviWg;WaviWskiptahttiogvenjur  X vtryggingamarkaWiogmeWhagvtryggingartakaogvtryggWrafyriraugum.VerWi K #  misbresturskalFjrmlaeftirlitiWgefafyrirmliumaWrWinverWib;tYvsemrskeiWis    hefurfariW.      50.gr. wO  ReglugerWarheimild. B   y ViWskiptarWherrahefurheimildtilaWkveWannarumstarfshtti    vtryggingaumboWsmannareglugerW,YarmeWalumyfirsUnvtryggingaumboWsmanna   yfirrekstur. {    XI.KAFLI 9  UpplUsingaskyldavtryggingaumboWmanns.   51.gr.  UpplUsingarviWgerWogendurnUjunvtryggingarsamnings. r f y WurenvtryggingarsamningurergerWurskalvtryggingaumboWsmaWurlta e= vntanlegumvtryggingartakata.m.k.eftirfarandiupplUsingar: 0 ! ! ,(88*"A0J"  A0J y2  1  .3  Ԉ0    NafnogheimilisfangvtryggingaumboWsmanns.A0J݌   Ќ  "A0J"  A0J y2  2  .3  Ԉ0    HvarvtryggingaumboWsmaWurerskrWuroghverniggangamegirskuggaum  skrninguna.A0J݌i   Ќ  "A0J"  A0J1  y2  3  .3  Ԉ0    HeitiYeirravtryggingaflagasemhannerumboWsmaWurfyrir.A0J1 ^ ݌\4   Ќ  "A0J"  A0JT! y2  4  .3  Ԉ0    HvortvtryggingaumboWsmaWureigivirkaneignarhlutvtryggingaflagi.A0JT!!݌'   Ќ  "A0J"  A0J~" y2  5  .3  Ԉ0    HvorttiltekiWvtryggingaflageWam;Wurflagtiltekinsvtryggingaflagseigivirkan  eignarhlutvtryggingaumboWi.A0J~""݌   Ќ  "A0J"  A0J# y2  6  .3  Ԉ0    Umendurgjaldskv.1.mgr.53.gr.YegarviW.A0J# $݌`    Ќ   y ViWendurnUjunvtryggingarsamnings,eWabreytinguhans,skalveitavtryggingartaka S+! upplUsingarskv.1.mgr.hafibreytingarorWiWatriWumsemtalineruupp1.!6.tlul. "  y UpplUsingaskyldavtryggingaflagssamkvmtlgumumvtryggingarsamningaog # lgumumvtryggingastarfsemihvlirvtryggingaumboWsmanniviWmiWlunvtrygginga  $ eftirYvsemviW. !W%   52.gr. #' RkstuWningurrWgjafar. #( ' y WurenvtryggingarsamningurergerWurskalvtryggingaumboWsmaWurskilgreina, $ ) einkumgrundvelliupplUsingafrvntanlegumvtryggingartaka,krfurogYarfirhans. v%N!* SkalhannskUravntanlegumvtryggingartakafrYeimstWumsemliggjaaWbaki A&"+ rWleggingumhans.UmfangskUringamiWastviWhversufl;knumvtryggingarsamningimlt  '", ermeW. '#-  (z$.   & , 53.gr. ( Endurgjald.  ) y MiWlivtryggingaumboWsmaWurvtryggingumsamagreinaflokkivegumfleirieneins  vtryggingaflagsskalvntanlegurvtryggingartaki',()upplUsturumendurgjaldsem a vtryggingaumboWsmaWurYiggureWaskilursrvegnaviWskiptanna.SkUrtskalkomafram T, hvorskuligreiWaendurgjaldiW,vntanlegurvtryggingartakieWavtryggingaflag.   y EigivntanlegurvtryggingartakiaWgreiWaendurgjaldsemvtryggingaumboWsmaWur  YiggureWaskilursrvegnaviWskiptanna,aWhlutaeWalluleyti,skalhannvalltupplUstur   umendurgjaldiWWurenhannerskuldbundinnafsamningi.  X  y UpplUsingarsamkvmtkvWinuskaleinnigveitaviWbreytingueWaendurnUjun K #  vtryggingarsamningi.      54.gr.   FormupplUsinga. wO  - y UpplUsingarsemveittarerusamkvmtYessumkaflaskalveita: B  ! ! .(88,"A0J"  A0JM/ y2  1  .3  Ԉ0    skriflegaeWaWrumvaranlegummiWli,A0JM/z/݌     Ќ  "A0J"  A0JY0 y2  2  .3  Ԉ0    skUranognkvmanhttsemviWtakandanumerskiljanlegur,A0JY00݌    Ќ  "A0J"  A0Jw1 y2  3  .3  Ԉ0    slenskueWaWrutungumlisembWiraWilarsamYykkja.A0Jw11݌{    Ќ   y XrttfyrirkvWi1.tlul.1.mgr.erheimiltaWveitaupplUsingarmunnlega;ski nF vntanlegurvtryggingartakiYesssrstaklegaeWaefvtryggingarverndarerYrfYegar 9 staW.0slkumtilvikumskalveitaupplUsingarsamrmiviW1.mgr.YegarstaWeftirgerW  vtryggingarsamnings.   y ViWmiWlunvtryggingasmsluskalveitaupplUsingarskv.9.gr.lagaumfjarslu r fjrmlaYj;nustu.UpplUsingarskv.1.mgr.skuluveittarYegarstaWeftirgerW e= vtryggingarsamnings. 0   XII.KAFLI   Starfsemimillilanda.  i 55.gr. \4 StarfsemierlendravtryggingamiWlaraogvtryggingaumboWsmannahrlandi. ' h5 y VtryggingamiWlarieWavtryggingaumboWsmaWur,semerskrWureWahefurstarfsleyfi  WruaWildarrki,geturstofnsetttibhrlandieWaveittYj;nustunstarfsstWvareinum  mnuWieftiraWFjrmlaeftirlitinuhefurboristtilkynningfrlgbruyfirvaldiheimarki `  viWkomandiumfyrirhugaWastarfsemi. S+!   56.gr. # StarfsemiinnlendravtryggingamiWlaraogvtryggingaumboWsmannaerlendis.  $ #8 y VtryggingamiWlararogvtryggingaumboWsmenn,semviljastundastarfsemiWru !W% aWildarrkimeWstofnuntibseWaveitaYarYj;nustunstarfsstWvar,skulutilkynna J""& Fjrmlaeftirlitinuslkafyrirtlan.0tilkynningutilFjrmlaeftirlitsinsskalkomafram: #' ! ! 6(88."A0J"  A0J: y2  1  .3  Ԉ0    aWildarrkiYarsemviWkomandihyggststofnsetjatibogheimilisfangYesseWaA0J:;݌#(   Ќ  "A0J"  A0J< y2  2  .3  Ԉ0    aWildarrkiYarsemviWkomandihyggstveitaYj;nustunstofnunartibs.A0J<<<݌$ )   Ќ   y FjrmlaeftirlitiWskalinnanmnaWartilkynnalgbrumyfirvldumhlutaWeigandirkis v%N!* fyrirtlanviWkomandi,endasafhlfuaWildarrkis;skaWeftirslkumupplUsingum. A&"+  y VtryggingamiWlaraeWavtryggingaumboWsmannierheimiltaWhefjastarfsemieinum  '", mnuWieftiraWFjrmlaeftirlitiWhefurtilkynntviWkomandiaWtilkynningumfyrirhugaWa '#- starfsemihafiveriWsendgistirkienYegarstaW;skiaWildarrkiekkieftirslkum (z$. upplUsingum. (   57.gr.  StofnuntibsvtryggingamiWlaraeWavtryggingaumboWsmanna a utanEvr;pskaefnahagssvWisinshrlandi. T, ? y FjrmlaeftirlitiWgeturheimilaWvtryggingamiWlaraeWavtryggingaumboWsmannimeW  staWfesturkiutanEvr;pskaefnahagssvWisinsaWopnatibhrlandi.Umleyfisveitingu  ogstarfsemislkraaWilagildakvWi71.!76.gr.lagaumvtryggingastarfsemi.     58.gr. K #  ReglugerWarheimild.    +B y ViWskiptarWherragetursettreglugerWumheimildirerlendravtryggingamiWlaraeWa    vtryggingaumboWsmannatilstarfsemihrlandioginnlendravtryggingamiWlaraeWa   vtryggingaumboWsmannaerlendis.0reglugerWinniskalm.a.kveWiWumeftirlitmeWog wO  nnarikrfurtiltibaogumboWsskrifstofaerlendraaWilaogumheimildirinnlendraaWila B  tilaWstundastarfsemierlendis.      XIII.KAFLI {   EftirlitogviWurlg.  nF 59.gr. 9 Eftirlit.  D y FjrmlaeftirlitiWhefureftirlitmeWstarfsemisamkvmtlgumYessum,nemaannaWleiWi  aflgumeWaalYj;Wasamningumsem0slanderaWiliaW.UmeftirlitiWfersamkvmtkvWum r lagaYessara,lagaumvtryggingastarfsemioglagaumopinberteftirlitmeW e= fjrmlastarfsemi. 0  y TeljiFjrmlaeftirlitiWaWstarfsemisamkvmtlgumYessumsstunduWntilskilinna  leyfageturYaWkrafistgagnaogupplUsingahjviWkomandiaWilumeWahjeftirlitsskyldum  aWilumsemnauWsynlegerutilaWgangarskuggaumhvortsvos.GeturYaWkrafistYess i aWslkristarfsemishttYegarstaW.JafnframterYvheimiltaWbirtaopinberleganfn \4 aWilasemtaldirerubj;WaYj;nustuntilskilinnaleyfa. '  y HeimilteraWbeitakvWumlagaumopinberteftirlitmeWfjrmlastarfsemiumdagsektir  ogleitoghaldggnumviWupplUsingaflunogeftirlitsamkvmtYessarigrein.    60.gr. S+! Eftirlitsgjald. " TJ y VtryggingamiWlararsemfengiWhafastarfsleyfihrlanditgefiWafFjrmlaeftirlitinu # skulurlegagreiWaeftirlitsgjaldvegnastarfsemisinnarsamrmiviWkvWilagaYarum.  $ JafnframtskuluvtryggingamiWlararogvtryggingaumboWsmennsemheimildhafatilaW !W% starfahrlandiskv.57.gr.greiWaeftirlitsgjaldrlega. J""&   61.gr. #( AWstoWviWyfirvldannarraEES-rkja. $ ) ~L y LgbruyfirvaldirkiinnanEvr;pskaefnahagssvWisinserheimiltaWframkvma v%N!* athuguntibumYarlendrafyrirtkjahrlandiaWundangenginnitilkynninguYessefnis A&"+ tilFjrmlaeftirlitsins.  '",   62.gr. (z$. ViWurlg. ( "N y XaWvarWarsektumeWafangelsialltaWeinuri,liggiYyngrirefsingekkiviWbroti  samkvmtWrumlgum,aWbrj;tagegnkvWumlagaYessara.    XIV.KAFLI T,  InnleiWing,gildistakaogbreytingWrumlgum.   63.gr.  InnleiWing.   jO y LgYessierusettmeWhliWsj;nafkvrWunsameiginleguEES-nefndarinnar,nr.115/2003  X fr26.september2003,umbreytinguIX.viWaukaviWEES-samninginn,ogtilYessaWtaka K #  uppinnlendanrttkvWitilskipunarEvr;puYingsinsogrWsinsnr.2002/92/EBfr9.    desember2002,ummiWlunvtrygginga.      64.gr. wO  Gildistaka. B  Q y LgYessiWlastYegargildi.      65.gr. {  Breytinglgumumvtryggingastarfsemi,nr.60/1994,meWsWaribreytingum. nF R y EftirtaldarbreytingarverWalgumumvtryggingastarfsemi,nr.60/1994,viWgildistku 9 lagaYessara:  ! ! 2(Ť886"A0J"  A0JT y2Ť  1  .3  Ԉ0    2.mlsl.1.gr.fellurbrott.A0JTT݌   Ќ  "A0J"  A0JU y2Ť  2  .3  Ԉ0    Skilgreiningarhugtkunum?vtryggingamiWlun ,?vtryggingamiWlari og r ?vtryggingaumboWsmaWur 7.gr.fallabrott.A0JUU݌e=   Ќ  "A0J"  A0JW y2Ť  3  .3  Ԉ0    Skilgreininghugtakinu?vtryggingaslumaWur 7.gr.orWastsvo:starfsmannsem 0 starfarvegumogbyrgWvtryggingamiWlara,vtryggingaumboWsmannseWa  vtryggingaflags.A0JW3W݌   Ќ  "A0J"  A0JX y2Ť  4  .3  Ԉ0    3.mgr.13.gr.fellurbrott.A0JXY݌i   Ќ  "A0J"  A0JY y2Ť  5  .3  Ԉ0    IX.kaflifellurbrott.A0JYY݌\4   Ќ    66.gr.  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