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" SamstarfskalverataliWmilliaWilaefYeirhafagertmeWsrsamkomulagumaWeinn # eWafleirisamanrWiyfireWanivirkumeignarhlutflagi,hvortsemsamkomulagiW  $ erformlegteWa;formlegt,skriflegt,munnlegteWameWWrumhtti.SamstarfskalY; !W% alltaftaliWverafyrirhendiYegarumeftirfaranditengsleraWrWa,nemasUntsfram J""& hiWgagnstWa:A0Jlyy݌#'   Ќ  "C"  C)~0 y 0y y e2%  a  .3  Ԉ0    Hj;n,aWilarstaWfestrisamvist,aWilarskrWrisambWog;fjrrWabrnaWila.C)~V~݌#(   Ќ  "C"  C0 y 0y y e2%  b  .3  Ԉ0    TengslmilliaWilasemfelasrbeineWa;beinyfirrWannarsaWilansyfirhinumeWa $ ) eftveWafleiriflgerubeinteWa;beintundiryfirrWumsamaaWila.Takaskaltillit v%N!* tiltengslaaWilaskv.a,cogdliW.Flag,m;WurflagYess,d;tturflg,systurflg A&"+ ogflgYeimtengd,semogeigendurYeirra,teljastjafnansamstarfi.Flgsem  '", fyrrnefndflgeWa&  eigendurYeirrahafabeineWa;beinyfirrWyfirteljasteinnig '#- samstarfsaWilar,nemasUntsframannaW.''YC݌(z$.   Ќ  "C"  CO0 y 0y y e2%  c  .3  Ԉ0    & F FlgsemaWilimeWbeinumeWa;beinumhttiveruleganeignarhlut,Y.e.aWaWili ( eigimeWbeinumeWa;beinumhttia.m.k.20%hlutaatkvWisrttarviWkomandi  flagi.TakaskaltillittiltengslaaWilaskv.a,bogdliW.CO|݌   Ќ  "C"  C0 y 0y y e2%  d  .3  Ԉ0    Tengslmilliflagsogstj;rnarmannaYessogflagsogframkvmdastj;raYess.C…݌a   Ќ  "A0J"  A0J y2%  29  .3  Ԉ0    YfirrW:A0J!݌T,   Ќ  "C"  C0 y 0y y e2%  a  .3  Ԉ0    aWflag(m;Wurflag)rWiyfirmeirihlutaatkvWaWruflagi,eWaC݌   Ќ  "C"  CA0 y 0y y e2%  b  .3  Ԉ0    eigieignarhlutiWruflagioghafirtttilaWtilnefnaeWavkjafrmeirihluta  stj;rnarmannaeWastj;rnenda,eWaCAn݌    Ќ  "C"  C0 y 0y y e2%  c  .3  Ԉ0    eigieignarhlutiWruflagioghafirtttilaWhafaafgerandihrifstarfsemiYess  X grundvellisamYykktaflagsinseWasamningaviWYaW,eWaC݌K #    Ќ  "C"  C0 y 0y y e2%  d  .3  Ԉ0    eigieignarhlutiWruflagiogrWimeirihlutaflaginugrundvellisamningsviW    aWrahluthafaeWaaWraeignaraWila,eWaC،݌     Ќ  "C"  CZ0 y 0y y e2%  e  .3  Ԉ0    eigieignarhlutiWruflagioghafirWandistWuYv,eWaCZ݌    Ќ  "C"  C0 y 0y y e2%  f  .3  Ԉ0    hliWstWtengsleinstaklingaeWalgaWilaviWflag,semFjrmlaeftirlitiWmeturaW wO  leiWitilraunverulegrahrifastarfsemiYess.Cُ݌B    Ќ  "A0J"  A0Jd y2%  30  .3  Ԉ0    XriWjarki:RkisemekkieraWildarrkieinsogYaWerskilgreintYessarigrein.A0Jd݌     Ќ   y FjrhWirevrumsamkvmtYessumlgumumreiknaststarfrkslugjaldmiWil   vtrygg'F(ingaflagsmiWaWviWslugengievrugagnvartumrddumgjaldmiWlilokdags31. {  okt;bernstliWinsrs. nF @vv&`10.gr.   y 0lgumYessumerrkiWYarsemfrumvtryggingarhttaer:  ! ! *(g004ABCD"A0J"  A0J y2g  a  .3  Ԉ0    eignatryggingum:rkiWYarsemhinvtryggWaeignerYegarmannvirkieruvtryggW r eWamannvirkisamtlausafervtryggtsamavtryggingarsamningi,A0JC݌e=   Ќ  "A0J"  A0J y2g  b  .3  Ԉ0    kutkjatryggingum:rkiWYarsemkutkierskrW,A0J݌0   Ќ  "A0J"  A0J֗ y2g  c  .3  Ԉ0    ferWatryggingum:rkiWYarsemvtryggingartakikeyptivtryggingunaendas  gildistmihennareigilengrienfj;rirmnuWir,A0J֗݌   Ќ  "A0J"  A0JZ y2g  d  .3  Ԉ0    WrumskaWatryggingum:rkiWYarsemvtryggingartakihefuraWseturaWjafnaWieWa, i YegarumlgaWilaeraWrWa,YaWaWildarrkiYarsemaWsetriWersemhelsttengist \4 vtryggingarsamningnumsemgerWurer,A0JZ݌'   Ќ  "A0J"  A0Jl y2g  e  .3  Ԉ0    pers;nutryggingum:rkiWYarsemskuldbindinginkomst,Y.e.Yarsem  vtryggingartakihefuraWseturaWjafnaWieWa,YegarumlgaWilaeraWrWa,YaWrkiYar  semaWsetriWersemhelsttengistvtryggingarsamningnumsemgerWurer(starfseminfer `  fram).A0Jl݌S+!   Ќ  @vv&`11.gr. # @`MrkviWaWrastarfsemi.  $  y VtryggingaflagmekkirekaaWrastarfsemienvtryggingastarfseminemaannaWleiWi !W% afkvWum13.gr. J""&  y VtryggingaflagtelstrekaaWrastarfsemienvtryggingastarfsemiefflagiWhefur #' yfirrW,eittsreWasamtWruvtryggingaflagi,flagisemrekuraWrastarfsemien #( vtryggingastarfsemi.XegarumflagasamstWueraWrWaeWavtryggingaflgbeinum $ ) eWa;beinumrekstrarlegumtengslumviWnnurflgogm;WurflagiWerekki v%N!* vtryggingaflagskalYessusambandilitiWvtryggingaflginsemeittflag. A&"+  y & a XrttfyrirkvWi1.og2.mgr.ervtryggingaflagiheimiltaWrekaviWskiptabankaeWa  '", aWrafjrmlastarfsemisrstkuflagi,endasstarfseminhWstarfsleyfiogeftirliti '#- opinberraaWila.'a '= (z$. & a  y VtryggingaflagmekkitakasigbyrgWirsemekkieruvtryggingar.Xver;heimilt ( aWtakasigskuldbindingarsemekkierutengslumviWeWlileganreksturvtryggingaflags.  'a(t@vv&`12.gr. a  y LftryggingastarfsemimekkirekameWannarrifrumtryggingastarfsemi.X;mveita T, lftryggingaflagistarfsleyfislysa-ogsjkratryggingum.  @vv&`13.gr.   @  !`HliWarstarfsemi.  X  y VtryggingaflagierheimiltaWrekaeftirfarandihliWarstarfsemi: K #  ! ! 4ABCD(%00*"A0J"  A0J y2%  1  .3  Ԉ0    UmboWfyrirvtryggingaflgsemleyfihafatilaWstarfahrlandiogfyrirnnurflg    semltaeftirlitiFjrmlaeftirlitsinseWaannarraopinberraaWila.A0J5݌     Ќ  "A0J"  A0J y2%  2  .3  Ԉ0    AWreisa,eigaogrekafasteignirsemliWfjrfestingutilvxtunarfjrmunum   flagsinstillengritmasamkvmtreglumsemstj;rnseturogFjrmlaeftirlitiW wO  staWfestir.A0JЧ݌B    Ќ  "A0J"  A0Je y2%  3  .3  Ԉ0    AWkaupaogseljaskuldabrfogaWrafjrmlagerningaoglnveitingarsamkvmt    reglumsemstj;rnseturogFjrmlaeftirlitiWstaWfestir.kvWiYettatekurekkitil   fjrmlagerningasemskrWireruskipulegumverWbrfamarkaWisemfjrfestertil {  vxtunarfjrmunumflagsins.A0Je݌nF   Ќ  "A0J"  A0J y2%  4  .3  Ԉ0    Tj;nsuppgjrogtj;navarnastarfsemi.A0J݌9   Ќ  "A0J"  A0J y2%  5  .3  Ԉ0    Reksturogumsj;nmeWsj;WumertengjasteWaeruhliWstWirvtryggingastarfsemi.A0J݌   Ќ  "A0J"  A0J y2%  6  .3  Ԉ0    AWraumsUslubeinuframhaldiafogeWlilegumtengslumviWvtryggingastarfsemi.A0J-݌   Ќ   y Starfsemiskv.5.tlul.1.mgr.erhWleyfiFjrmlaeftirlitsins.FjrmlaeftirlitiWgetur r kveWiWaWstarfsemisemfellurundir5.tlul.skulirekinafsjlfstWuflagi. e=   III.KAFLI   Stofnunvtryggingaflags.   14.gr. i Stofnunvtryggingaflags. \4 1 y AWWruleytiengreinirYessumkaflagildakvWiII.kaflalagaumhlutaflg,nr. ' 2/1995,meWsWaribreytingum,umstofnunvtryggingaflags.  @vv&`15.gr. `  @  "`Stofnsamningur. S+!  y 0stofnsamningivtryggingaflagsskaleftirfarandikomafram: " ! ! 4ABCD(%004ABCD"A0J"  A0J= y2%  1  .3  Ԉ0    Nfnogheimilisfngstofnenda.A0J=j݌#   Ќ  "A0J"  A0J8 y2%  2  .3  Ԉ0    HvemikiWskuligreiWafyrirhvernhlutflaginu.A0J8e݌ $   Ќ  "A0J"  A0JM y2%  3  .3  Ԉ0    FrestirsemkunnaaWveraveittirtilskriftaraWhlutumogtilgreiWsluYeirra.A0JMz݌!W%   Ќ  "A0J"  A0J y2%  4  .3  Ԉ0    Regluruminnborgunhlutafjr.A0J݌J""&   Ќ  "A0J"  A0J y2%  5  .3  Ԉ0    kvarWanirumaWstofnendureWaaWrirskulinj;tasrstakrarttindaeWahlunninda #' flaginu.A0J݌#(   Ќ  "A0J"  A0J y2%  6  .3  Ԉ0    kvarWanirumaWgertskulisamkomulagviWstofnendureWaaWrasemhefWifrmeW $ ) srverulegarfjrskuldbindingarfyrirflagiW.A0J݌v%N!*   Ќ  "A0J"  A0Jp y2%  7  .3  Ԉ0    &  kvarWanirumaWflagiWtakiviWverWmtumsemekkiergreittfyrirmeWhlutum A&"+ flaginu.'A& A0Jp݌ '",   Ќ  "A0J"  A0J y2%  8  .3  Ԉ0    HvenrhaldaskulistofnfundoghvernigtilhansskuliboWaWnemaYaWleiWiaf '#- kvWumhlutaflagalagaaWfundurYessiverWihaldinnnsrstakrarboWunar.A0J݌(z$.   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B  @vv&`16.gr.    y HlutirskulugreiddirreiWuf. {   y FjrmlaeftirlitiWgeturveittheimildtilaWgreiWslafariframmeWWrumhtti,endaliggi nF fyrirmatsgerWsemFjrmlaeftirlitiWsamYykkir. 9  y TeljiFjrmlaeftirlitiWstWutilaWtlaaWverWmtiframlagahafibreystfrYvaW  matsgerWvarframkvmdogstofnfundurerhaldinngeturYaWkrafistyfirlUsingarmatsmanna  umverWmtiWeWanUrrarmatsgerWar. r @vv&`17.gr. 0  y AukYeirrakvWasemlgumhlutaflggerarWfyrirumsamYykktirhlutaflagsskulu  eftirtalinatriWikomaframsamYykktumvtryggingaflags:  ! ! 4ABCD(%00 4ABCD"A0J"  A0J y2%  1  .3  Ԉ0    RWstfuntekjuafgangsoghvernigmtaskalhalla.A0J%݌i   Ќ  "A0J"  A0J  y2%  2  .3  Ԉ0    BthlutunarWsogg;Wahluta.A0J 6݌\4   Ќ  "A0J"  A0J  y2%  3  .3  Ԉ0    HvernigrWstafamegieignumflagsinsoghvernigfaraskulimeWeignirYessviW ' flagsslit.A0J :݌   Ќ    IV.KAFLI `   Starfsleyfi.  S+! 18.gr. 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T,  y Ums;knumstarfsleyfiskalveraskriflegogskalsendFjrmlaeftirlitinuinnansex  mnaWafrdagsetningustofnsamnings.EftirfarandiggnogupplUsingarskulufylgja  ums;kn:   ! ! 4ABCD(%00*"A0J"  A0JJ y2%  1  .3  Ԉ0    Heitiflagsinsogflagsform.A0JJw݌ X   Ќ  "A0J"  A0JD y2%  2  .3  Ԉ0    StaWfestendurritstofnsamningsogfundargerWarstofnfundarrfundargerWab;k.A0JDq݌K #    Ќ  "A0J"  A0Jz y2%  3  .3  Ԉ0    SkryfirstofnenduroghlutafogstaWfestingYvaWYaWsinnborgaW,hverjireigi    virkaneignarhlutflaginuoghvemikinnoggreinargerWumnnurnintengslsem    flagiWer.A0Jz݌    Ќ  "A0J"  A0JM y2%  4  .3  Ԉ0    DrgaWsamYykktumtilstaWfestingar.A0JMz݌wO    Ќ  "A0J"  A0JW y2%  5  .3  Ԉ0    GreinaflokkarvtryggingaeWavtryggingagreinarsems;tterumleyfifyrir,sbr.21.og B  22.gr.,og23.gr.efumfyrirhugaWaendurtryggingastarfsemieraWrWa.A0JW݌     Ќ  "A0J"  A0J y2%  6  .3  Ԉ0    EfviW,skrumhliWarstarfsemisemflagiWhyggstreka,sbr.13.gr.A0J%݌    Ќ  "A0J"  A0J$ y2%  7  .3  Ԉ0    Srstktlunumstarfsemina,sbr.25.gr.A0J$Q݌{    Ќ  "A0J"  A0J+ y2%  8  .3  Ԉ0    StaWfestingYessaWflagiWuppfyllikvWi34.gr.umlgmarksfjrhWir.A0J+X݌nF   Ќ  "A0J"  A0Jb y2%  9  .3  Ԉ0    ReiknigrundvlluriWgjalda,iWgjaldasj;Ws,g;Wathlutunar,endurkaupaoggjaldfrjlsra 9 lftrygginga,reglurumupplUsingarsemlftryggingartakaberaWveitasamkvmt  kvWumXIII.kaflalagaumvtryggingarsamninga,nr.30/2004,oghliWstWggn,  eftirYvsemviW,umheilsutryggingarsemreknarerusamkvmttknilegum r grundvelliYegars;tterumstarfsleyfiskv.22.gr.A0Jb݌e=   Ќ  "A0J "  A0J4 y2%  10  .3  Ԉ0    VtryggingaskilmlarlgboWinnavtryggingaogupplUsingarumYrtegundir 0 pers;nutryggingasemflagiWhyggstbj;Wa.A0J4a݌   Ќ  "A0J "  A0J y2%  11  .3  Ԉ0    StaWfestingaWildaWAlYj;WlegumbifreiWatryggingum0slandisf.ogYtttku  starfsemitj;nsuppgjrsmiWstWvarogupplUsingamiWstWvarss;ttumleyfiskv.10. i tlul.1.mgr.21.gr.JafnframtskalupplUstumtj;nsuppgjrsfulltraWrum \4 aWildarrkjum.A0J݌'   Ќ   y ViWmatums;knumstarfsleyfipers;nutryggingumskalYessgttaWreiknigrundvllur  stryggurensanngjarngarWlftryggingartakaogrtthafa.Samagildirumreglurum  g;WahlutdeildogskiptinguhagnaWarogskulureglurYarumveraskUrarognkvmar. `  VaxtaforsenduriWgjaldaogiWgjaldaskuldar,svoogkostnaWar-ogryggislag,skulu S+! kveWnarmeWvarfrnissj;narmiWhuga.IWgjldnUtryggingaskuluverangilegtilaW " flagiWgetistaWiWviWskuldbindingarsnarnYessaWsrstkaukningeiginfjrreynist # nauWsynleg.  $  y kvWigreinarYessarareigaviWumums;knumstarfsleyfiflagsmeWsrstakantilgang, !W% ums;knumstarfsleyfiendurtryggingumogums;knumstarfsleyfitakmrkuWum J""& endurtryggingum,eftirYvsemviWgeturtt. #' @vv&`& , 20.gr. $ ) @ `StarfsleyfiflagsmeWsrstakantilgang. v%N!*  y FlagmeWsrstakantilganggeturstarfaWhrlandiaWfengnustarfsleyfi A&"+ Fjrmlaeftirlitsins,sbr.',$[kvWi19.gr.,endauppfyllislktflagskilyrWireglumsem  '", FjrmlaeftirlitiWsetur.0reglumFjrmlaeftirlitsinsskuluskilyrWikomaframum '#- eftirfarandi: (z$. ! ! 4ABCD(%00 4ABCD"A0J"  A0J y2%  1  .3  Ԉ0    GildissviWstarfsleyfis.A0J=݌(   Ќ  "A0J"  A0J y2%  2  .3  Ԉ0    LgboWinskilyrWisemskuluverallumtgefnumsamningum.A0J4݌   Ќ  "A0J"  A0J% y2%  3  .3  Ԉ0    HfiYeirrasemrekaflagmeWsrstakantilgang.A0J%R݌   Ќ  "A0J"  A0J8 y2%  4  .3  Ԉ0    KrfurumhfihluthafaeWavirkraeigenda.A0J8e݌a   Ќ  "A0J"  A0JB y2%  5  .3  Ԉ0    Stj;rnunar-ogb;khaldsaWferWir,kerfifyririnnraeftirlitogkrfurumhttustUringu.A0JBo݌T,   Ќ  "A0J"  A0J y2%  6  .3  Ԉ0    Reikningsskil,varfrniogtlulegarupplUsingar.A0J݌   Ќ  "A0J"  A0J y2%  7  .3  Ԉ0    GjaldYol.A0J݌   Ќ   y TeljiFjrmlaeftirlitiWstWutilaWsetjafrekariskilyrWifyrirstarfsemiflagsinsskulu   Yaukomaframstarfsleyfi.  X @vv&`21.gr.    @  `StarfsleyfiskaWatryggingum.     y StarfsleyfifrumtryggingumWrumenlftryggingum(skaWatryggingum)erbundiWviW   tilteknagreinaflokkavtryggingaeWavtryggingagreinarinnanYeirrasamkvmteftirfarandi wO  skr: B  ! ! 4ABCD(%004ABCD"A0J"  A0Jl y2%  1  .3  Ԉ0    Slysatryggingar(slys,vinnuslys,atvinnusjkd;mar):A0Jl݌     Ќ  "C"  C0 y 0y y e2%  a  .3  Ԉ0    bturmeWfstumfjrhWum,C݌    Ќ  "C"  C0 y 0y y e2%  b  .3  Ԉ0    btureftirmatiafleiWingumtj;ns,C݌{    Ќ  "C"  C0 y 0y y e2%  c  .3  Ԉ0    bturmeWfstumfjrhWum/btureftirmatiafleiWingumtj;ns,C݌nF   Ќ  "C"  C#0 y 0y y e2%  d  .3  Ԉ0    slysfarYegum.C#P݌9   Ќ  "A0J"  A0J: y2%  2  .3  Ԉ0    Sjkratryggingar(veikindi,heilsutj;n):A0J:g݌   Ќ  "C"  CA0 y 0y y e2%  a  .3  Ԉ0    bturmeWfstumfjrhWum,CAn݌   Ќ  "C"  Cf0 y 0y y e2%  b  .3  Ԉ0    btureftirmatiafleiWingumtj;ns,Cf݌r   Ќ  "C"  C0 y 0y y e2%  c  .3  Ԉ0    bturmeWfstumfjrhWum/btureftirmatiafleiWingumtj;ns.C݌e=   Ќ  "A0J"  A0J y2%  3  .3  Ԉ0    Hftryggingarkutkja.Eignatj;n,Y.m.t.altj;n:A0J݌0   Ќ  "C"  C0 y 0y y e2%  a  .3  Ԉ0    vlknnumkutkjumlandiWrumenjrnbrautum,C*݌   Ќ  "C"  C50 y 0y y e2%  b  .3  Ԉ0    kutkjumtilnotkunarlandiWrumenvlknnumkutkjum.C5b݌   Ќ  "A0J"  A0Jx y2%  4  .3  Ԉ0    Jrnbrautatryggingar.Eignatj;n,Y.m.t.altj;njrnbrautarvgnum.A0Jx݌i   Ќ  "A0J"  A0J y2%  5  .3  Ԉ0    Hftryggingarloftfara.Eignatj;n,Y.m.t.altj;nloftfrum.A0J݌\4   Ќ  "A0J"  A0J  y2%  6  .3  Ԉ0    Hftryggingarskipaogbta.Eignatj;n,Y.m.t.altj;n:A0J  ݌'   Ќ  "C"  C 0 y 0y y e2%  a  .3  Ԉ0    sj;skipum,C  ݌   Ќ  "C"  C 0 y 0y y e2%  b  .3  Ԉ0    vatnabtum,C  ݌   Ќ  "C"  C 0 y 0y y e2%  c  .3  Ԉ0    flj;ta-ogskjabtum.C , ݌`    Ќ  "A0J"  A0J y2%  7  .3  Ԉ0    Flutningatryggingar.Eignatj;n,Y.m.t.altj;nvrumogfarangriflutningintillitstil S+! Yesshvernigflutter.A0JI݌"   Ќ  "A0J"  A0J y2%  8  .3  Ԉ0    Eignatryggingar(bruniognttrufl).Eignatj;n,Y.m.t.altj;n,annaWenskv.3.,4.,5., # 6.og7.flokkivegna:A0J݌ $   Ќ  "C"  C0 y 0y y e2%  a  .3  Ԉ0    elds,C%݌!W%   Ќ  "C"  C0 y 0y y e2%  b  .3  Ԉ0    sprengingar,C.݌J""&   Ќ  "C"  C0 y 0y y e2%  c  .3  Ԉ0    ;veWurs,C>݌#'   Ќ  "C"  C#0 y 0y y e2%  d  .3  Ԉ0    nttruaflaannarraen;veWurs,C#P݌#(   Ќ  "C"  CL0 y 0y y e2%  e  .3  Ԉ0    kjarnorku,CLy݌$ )   Ќ  "C"  CZ0 y 0y y e2%  f  .3  Ԉ0    landsigs.CZ݌v%N!*   Ќ  "A0J"  A0Jg y2%  9  .3  Ԉ0    AWrareignatryggingar.Eignatj;n,Y.m.t.altj;n,annaWenskv.3.,4.,5.,6.og7.flokki A&"+ ogekkitaliW8.flokki,Y.m.t.vegnahagls,frostsogatburWasvosemYj;fnaWaro.fl.A0Jg݌ '",   Ќ  "A0J "  A0J+ y2%  10  .3  Ԉ0    byrgWartryggingarkutkja.byrgWvegnanotkunarkutkja,Y.m.t.byrgW '#- stj;rnanda.A0J+X݌(z$.   Ќ  "A0J "  A0J y2%  11  .3  Ԉ0    byrgWartryggingarloftfara.byrgWvegnanotkunarloftfara,Y.m.t.byrgWstj;rnanda.A0J݌(   Ќ  "A0J "  A0J y2%  12  .3  Ԉ0    byrgWartryggingarskipaogbta.byrgWvegnanotkunarsj;,vtnum,flj;tumog  skjum,Y.m.t.byrgWstj;rnanda.A0J݌   Ќ  "A0J "  A0JN y2%  13  .3  Ԉ0    AlmennarbyrgWartryggingar.HverskonarbyrgWnnurenskv.10.,11.og12.flokki.A0JN{݌a   Ќ  "A0J "  A0J y2%  14  .3  Ԉ0    GreiWsluvtryggingar:A0J݌T,   Ќ  "C"  C{0 y 0y y e2%  a  .3  Ԉ0    almenngjaldYrot,C{݌   Ќ  "C"  C 0 y 0y y e2%  b  .3  Ԉ0    tflutningsln,C  ݌   Ќ  "C"  C!0 y 0y y e2%  c  .3  Ԉ0    afborgunarskilmlar,C!!݌    Ќ  "C"  C"0 y 0y y e2%  d  .3  Ԉ0    veW,C""݌ X   Ќ  "C"  C#0 y 0y y e2%  e  .3  Ԉ0    landbnaWarln.C##݌K #    Ќ  "A0J"  A0J$ y2%  15  .3  Ԉ0    Efndavtryggingar:A0J$ %݌     Ќ  "C"  C%0 y 0y y e2%  a  .3  Ԉ0    beinarefndir,C%%݌     Ќ  "C"  C&0 y 0y y e2%  b  .3  Ԉ0    ;beinarefndir.C& '݌    Ќ  "A0J"  A0J' y2%  16  .3  Ԉ0    Fjrhagslegarvtryggingar(fjrhagslegttap):A0J'#(݌wO    Ќ  "C"  C)0 y 0y y e2%  a  .3  Ԉ0    atvinnuleysi,C).)݌B    Ќ  "C"  C*0 y 0y y e2%  b  .3  Ԉ0    tekjutap(almennt),C*?*݌     Ќ  "C"  C)+0 y 0y y e2%  c  .3  Ԉ0    ;veWur,C)+V+݌    Ќ  "C"  C:,0 y 0y y e2%  d  .3  Ԉ0    batamissir,C:,g,݌{    Ќ  "C"  CJ-0 y 0y y e2%  e  .3  Ԉ0    viWvaranditgjldvegnaalmennskostnaWar,CJ-w-݌nF   Ќ  "C"  C.0 y 0y y e2%  f  .3  Ԉ0    ;fyrirsjanlegviWskiptatgjld,C..݌9   Ќ  "C"  C/0 y 0y y e2%  g  .3  Ԉ0    tapmarkaWsverWi,C//݌   Ќ  "C"  C00 y 0y y e2%  h  .3  Ԉ0    tapleigueWahliWstWumtekjum,C00݌   Ќ  "C"  C10 y 0y y e2%  i  .3  Ԉ0    annaW;beinttapviWskiptum,C1"2݌r   Ќ  "C "  C 30 y 0y y e2%  j  .3  Ԉ0    fjrhagslegttap,annaWenviWskiptum,C 3M3݌e=   Ќ  "C "  CR40 y 0y y e2%  k  .3  Ԉ0    aWrartegundirfjrhagslegstaps.CR44݌0   Ќ  "A0J "  A0Jz5 y2%  17  .3  Ԉ0    RttaraWstoWartryggingar.RttaraWstoWogkostnaWurviWmlarekstur.A0Jz55݌   Ќ  "A0J"  A0J6 y2%  18  .3  Ԉ0    FerWamannaaWstoW.AWstoWtilhandaYeimsemlendaerfiWleikumferWalagifjarri  heimilisnueWafstuaWsetri.A0J66݌i   Ќ  httuseminnifalinertilteknumgreinaflokkimekkiinnifelaWrumgreinaflokkinema \4 tilvikumersegir3.mgr. '  y VeitamstarfsleyfisameiginlegafyrireftirtaldagreinaflokkaskaWatrygginga,sbr.1.  mgr.:  ! ! 4ABCD(%004ABCD"A0J"  A0J : y2%  1  .3  Ԉ0    Slysa-ogsjkratryggingarskv.1.og2.tlul.A0J :::݌`    Ќ  "A0J"  A0J; y2%  2  .3  Ԉ0    kutkja-ogfarmtryggingarskv.dliW1.tlul.,3.,7.og10.tlul.A0J;E;݌S+!   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(z$. 17.tlul.semhliWargreingreinaflokkiskv.18.tlul.YegarskilyrWi1.tlul.eruuppfylltog ( aWalhttantengisteinvrWunguaWstoWsemveittereinstaklingumsemlendaerfiWleikum  ferWalagiaWheimaneWafjarrifstuaWsetri.Greinaflokkurskv.17.tlul.meinnigvera  hliWargreinYegarhttaneWagreiningurinntengistnotkunskipaogbta. a  y KveWaskalumhvernigtryggjaskulihagsmunivtryggingartakagreiningsmliviW T, vtryggingaflagiWsjlftreglugerWumrttaraWstoWarvtryggingar.  @vv&`22.gr.   @`Starfsleyfipers;nutryggingum.  X  y Starfsleyfilftryggingumogheilsutryggingum,auktengdraslysa-ogsjkratrygginga, K #  afmarkastviWtilteknagreinaflokkafrumtryggingaeWavtryggingagreinarinnanYeirra    samkvmteftirfarandiskr:    ! ! 4ABCD(%004ABCD"A0J"  A0JM y2%  1  .3  Ԉ0    httu-ogsfnunarlftryggingarnfjrfestingarhttu:A0JMM݌    Ќ  "C"  CN0 y 0y y e2%  a  .3  Ԉ0    greiWslurlifandalfifrtilteknumaldri,CNN݌wO    Ќ  "C"  CO0 y 0y y e2%  b  .3  Ԉ0    greiWslurviWandlt,COP݌B    Ќ  "C"  C Q0 y 0y y e2%  c  .3  Ԉ0    greiWslurlifandalfifrtilteknumaldrieWaviWandltfyrr,C Q8Q݌     Ќ  "C"  CYR0 y 0y y e2%  d  .3  Ԉ0    lftryggingarmeWendurgreiWsluiWgjalda,CYRR݌    Ќ  "C"  CS0 y 0y y e2%  e  .3  Ԉ0    lfeyrisgreiWslur,CSS݌{    Ќ  "C"  CT0 y 0y y e2%  f  .3  Ԉ0    viWb;targreiWslurviWlkamstj;n,YarmeWalviWstarfsorkumissi,CTT݌nF   Ќ  "C"  CV0 y 0y y e2%  g  .3  Ԉ0    viWb;targreiWslurviWandltvegnaslyss,CV3V݌9   Ќ  "C"  C?W0 y 0y y e2%  h  .3  Ԉ0    viWb;targreiWslurviWrorkuvegnaslysseWasjkd;ms.C?WlW݌   Ќ  "A0J"  A0JX y2%  2  .3  Ԉ0    Hj;na-ogbarnalftryggingar:A0JXX݌   Ќ  "C"  CY0 y 0y y e2%  a  .3  Ԉ0    lftryggingartengdargiftingueWastaWfestrisamvist,CYY݌r   Ќ  "C"  CZ0 y 0y y e2%  b  .3  Ԉ0    lftryggingarbarnatengdarfWingu.CZZ݌e=   Ќ  "A0J"  A0J[ y2%  3  .3  Ԉ0    httu-ogsfnunarlftryggingarmeWfjrfestingarhttu:A0J[\݌0   Ќ  "C"  C ]0 y 0y y e2%  a  .3  Ԉ0    greiWslurlifandalfifrtilteknumaldri,C ]:]݌   Ќ  "C"  CA^0 y 0y y e2%  b  .3  Ԉ0    greiWslurviWandlt,CA^n^݌   Ќ  "C"  C`_0 y 0y y e2%  c  .3  Ԉ0    greiWslurlifandalfifrtilteknumaldrieWaviWandltfyrr,C`__݌i   Ќ  "C"  C`0 y 0y y e2%  d  .3  Ԉ0    lftryggingarmeWendurgreiWsluiWgjalda,C``݌\4   Ќ  "C"  Ca0 y 0y y e2%  e  .3  Ԉ0    lfeyrisgreiWslur.Cab݌'   Ќ  "A0J"  A0Jb y2%  4  .3  Ԉ0    Varanlegarheilsutryggingarnuppsagnarrttar.A0Jb*c݌   Ќ  "A0J"  A0Jd y2%  5  .3  Ԉ0    AWrarlftryggingarmeWinnifaldahttugrundvellivilengdar.A0Jd5d݌   Ќ  @vv&`23.gr. 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V.KAFLI r  Fjrhagsgrundvllur.  e= 31.gr. 0 GjaldYol.  c y EftirtaldarfjrhWirmyndagrunntreikningsgjaldYolivtryggingaflags:  ! ! 4ABCD(%00 4ABCD"A0J"  A0J# y2%  1  .3  Ԉ0    InnborgaWhlutafaWfrdregnumeiginhlutabrfumflagsins.A0J#P݌i   Ќ  "A0J"  A0JA y2%  2  .3  Ԉ0    Varasj;WirsemekkierutilaWmtaskuldbindingumflagsinseWaeruskilgreindirsem \4 tjfnunarsj;Wirog;rWstfuWg;Waskuldlftryggingaflags.A0JAn݌'   Ќ  "A0J"  A0J y2%  3  .3  Ԉ0    :rWstafaWurhagnaWuraWfrdregnu;jfnuWutapiogrWgerWumarWgreiWslum.A0J݌   Ќ  "A0J"  A0J- y2%  4  .3  Ԉ0    ForgangshlutafogvkjandilnsembindandisamkomulagerumaWvkifyrirllum  skuldbindingumsemekkieruvkjandiogaWekkikomitilendurgreiWslufyrrenYr `  skuldbindingarhafaveriWgerWaruppviWgjaldYroteWaslitvtryggingaflags.Vkjandi S+! lnskaleinniguppfyllaeftirtalinskilyrWi:A0J-Z݌"   Ќ  "C"  C0 y 0y y e2%  a  .3  Ԉ0    LniWskalverainnborgaWogskuldfrtb;kumflagsins.C݌#   Ќ  "C"  CӮ0 y 0y y e2%  b  .3  Ԉ0    &  UpphaflegurlnstmilnameWfstumlnstmaskalekkiveraskemmrienfimmr.  $ EigisWar' eneinuriWurenkemuraWendurgreiWsluskalvtryggingaflagiWleggja !W% tlunfyrirFjrmlaeftirlitiWtilsamYykktarersUniframfullngjandigjaldYol J""& flagsinsgjalddaganemaeftirstWvarlnsinshafifariWminnkandisemhlutfallaf #' gjaldYoliflagsinsminnstfimmratmabilifyrirumsaminngjalddaga.Ski #( vtryggingaflagiWumaWflUtaendurgreiWsluslkralnageturFjrmlaeftirlitiW $ ) heimilaWYaWaWYvtilskilduaWgjaldYolfariekkiniWurfyrirtilskiliWlgmark.CӮ݌v%N!*   Ќ  "C"  C0 y 0y y e2%  c  .3  Ԉ0    LnsemeruekkimeWfstumlnstmaskuluverameWa.m.k.fimmra A&"+ uppsagnarfresti,nemaYausuekkilengurtalintilgjaldYolsflagsinseWa  '", endurgreiWslurfyrirgjalddagasuhWarsamYykkiFjrmlaeftirlitsins.VerWur '#- vtryggingaflagiWYaW;skaeftirslkusamYykkiaWminnstakostisexmnuWum (z$. fyrirtlaWangreiWsludagogtilgreinatlaWgjaldYologlgmarksgjaldYolbWi ( fyrirogeftirendurgreiWslu.XvaWeinsskalheimilaendurgreiWsluaWgjaldYol   vtryggingaflagsinsfariekkiniWurfyrirlgmarksgjaldYol.C-݌   Ќ  "C"  C0 y 0y y e2%  d  .3  Ԉ0    & #  LnssamningurinnmekkifelasrkvWisemgerarWfyrirendurgreiWslufyrren ( gjalddaga,nemavtryggingaflaginuverWislitiW.C݌   Ќ  "C"  C0 y 0y y e2%  e  .3  Ԉ0    SamYykkiFjrmlaeftirlitsinsYarftilaWbreytalnssamningum.Cݸ݌   Ќ   y 0  FjrhWsamkvmtYessumtluliWmekkifarayfir50%aflgmarksgjaldYoli,eWa a heildargjaldYoliefYaWerlgra.XarafmegavkjandilnmeWfastanlnstmaog T, heildarfjrhWforgangshlutafjrekkifarayfir25%samanlagt.   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A&"+ 1.mgr.'#(ogdragafrfjrhWirskv.9.!11.tlul.1.mgr.FjrhWirskv.6.!8.tlul.1.mgr.m  '", leggjaviWframangreindarfjrhWirhafiFjrmlaeftirlitiWfallistrkstudda;sk '#- vtryggingaflagsumYaW.EfhorfureruaWgjaldYolverWieinhverntmannnstuYremur (z$. rumlgraengjaldYolreiknaWskv.1.!11.tlul.1.mgr.skaltilviWb;tarfragjaldYoliW ( niWurummuninnframantldumliWumogtluWulgstagjaldYolinstuYremurrum.  XegarfjrfestinghlutumWrufjrmlafyrirtki,fyrirtkitengdufjrmlasviWi,  vtryggingaflagieWaeignarhaldsflagivtryggingasviWierbrWabirgWarWstfunogtluW a semfjrhagsaWstoWviWendurskipulagningueWatilbjargarhlutaWeigandifyrirtkier T, FjrmlaeftirlitinuheimiltaWveitaundanYgufrkvWiYessararmlsgreinarumfrdrtt  liWaskv.aogbliW11.tlul.1.mgr.   y VtryggingaflgumerheimiltaWnotaYraWferWirviWmateiginfjrgrunnisemkveWiW   erumreglumFjrmlaeftirlitsinsumviWb;tareftirlitmeWfjrmlasamsteypumstaWYess  X aWdragaliWiskv.aogbliW11.tlul.1.mgr.frgjaldYoliskv.2.mgr.HeimilteraWbeita K #  samstWuuppgjrsaWferW(e.consolidatedmethod)teljiFjrmlaeftirlitiWaWhttustUring    oginnraeftirlitsamstWugrundvellisfullngjandi.VtryggingaflgsemannaWhvorteru    hlutiafvtryggingasamstWueWafjrmlasamsteypuogfallaundirviWb;tareftirlitYurfaekki   aWdragafrliWiskv.aogbliW11.tlul.1.mgr.skv.2.mgr.Hyggistvtryggingaflag wO  breytaumaWferWviWmatgjaldYolsliWumskalYaWtilkynnaYaWFjrmlaeftirlitinuoggera B  srstakagreinfyrirbreytingunnirsreikningi.     y AWlagaWgjaldYolvtryggingaflagsergjaldYolYessskv.2.mgr.aWfrdregnum   fjrhWumsemverWatilviWaWsmueignirerutaldarbeinteWa;beinthjfleirieneinum {  aWila,svoogllumeignumsemverWatilviWgagnkvmafjrmgnun.TekiWskaltillittil nF allrad;ttur-oghlutdeildarflagavtryggingaflagsins,eignarhaldsflagavtryggingasviWi, 9 blandaWraeignarhaldsflagavtryggingasviWi,flagasemeigahlutdeild  vtryggingaflaginuogannarrad;ttur-oghlutdeildarflagaYeirraflaga.   y Svtryggingaflagd;tturflagannarsvtryggingaflagseWaeignarhaldsflags r vtryggingasviWiskalreiknaaWlagaWgjaldYolm;WurflagsinssamkvmtkvWumYessarar e= greinarauktreikningsgjaldYolivtryggingaflagsins.ViWtreikninginnskaltakatillittil 0 allrahlutdeildarflagam;Wurflagsins.   y NnarskalkveWaumtreikningaWlguWugjaldYolireglumsemFjrmlaeftirlitiW  setur.XarmeinnigtilgreinaundanYgurfrskyldutilaWreiknaaWlagaWgjaldYol.Taki i treikningurinntilfyrirtkjaWrumrkjumferumsamstarfeftirlitsstj;rnvaldaeftir \4 alYj;Wasamningumsem0slanderaWiliaWogsamstarfssamningumsemFjrmlaeftirlitiWgerir ' grundvelliYeirra.   y kvWiYessarargreinargildaeinnigumfjrmlasamsteypur.UmtreikninggjaldYoli  fyrirfjrmlasamsteypurskulugildareglursemFjrmlaeftirlitiWsetur. `  @vv&`32.gr. " @ `LgmarksgjaldYolskaWatryggingaflags. #  y GjaldYolvtryggingaflagssemrekuraWrastarfsemienlftryggingastarfsemiskal  $ hverjumtmanemaminnstYeirrifjrhWsemhrriersamkvmteftirfaranditreikningiog !W% nefnistlgmarksgjaldYolflagsins,sbr.Y;34.gr.: J""& ! ! 4ABCD(%00 4ABCD"A0J"  A0J- y2%  1  .3  Ԉ0    ViWtreikninglgmarksgjaldYoligrundvelliiWgjaldaskalnotaYfjrhWsemhrri #' erafb;kfrWumiWgjldumogiWgjldumrsinssamkvmtrekstrarreikningi.Byggtskal #( iWgjldumaWfrdregnumendurgreiWslumogniWurfellingum,ennfrdrttarhlut $ ) endurtryggjanda.HkkaskaliWgjldgreinaflokkumskv.11.,12.og13.tlul.1.mgr. v%N!* 21.gr.um50%.SamaviWumiWgjldendurtryggingumYessaragreinaflokka.A0J-Z݌A&"+   Ќ   y 0   e   FjrhWsemreiknuWerskv.1.mgr.YessatluliWarskalskipttvennt,YannigaW  '", fyrrihlutinnnemialltaW50millj;numevraogssWariYvsemumframer.FjrhW '#- YessiskaltakarlegumbreytingummeWYeimhttisemlUster4.mgr.34.gr.Leggja (z$. skalsaman18%affyrrihlutanumog16%afYvsemumframer.NiWurstaWaYeirrar ( samlagningarersWanmargflduWmeWhlutfallinumillisamanlagWraeigintj;nasWustu  YriggjareikningsraogsamanlagWratj;naheildsWustuYrjreikningsrsamkvmt  rekstrarreikningi,enY;aldreimeWlgritluen0,5.ViWtreikningeigintj;numer a endurtryggingaflagiheimiltaWfengnusamYykkiFjrmlaeftirlitsinsaWdragafrkrfur T, flgmeWsrstakantilgang.   "A0J"  A0J` y2%  2  .3  Ԉ0    ViWtreikninglgmarksgjaldYoligrundvellitj;naskalbyggtmeWalfjrhWtj;na  rsinssWustuYrjreikningsr,aWfrdregnumyfirteknumfjrmunumogrttindumsem   flagiWWlast,ennfrdrttarhlutendurtryggjenda.WurenmeWaltalerreiknaWskal  X hkkatj;ngreinaflokkumskv.11.,12.og13.tlul.1.mgr.21.gr.um50%.Sama K #  viWumtj;nendurtryggingumYessaragreinaflokka.A0J`݌     Ќ   y 0   e   FjrhWsemreiknuWerskv.1.mgr.YessatluliWarskalskipttvennt,YannigaW    fyrrihlutinnnemialltaW35millj;numevraogssWariYvsemumframer.FjrhW   YessiskaltakarlegumbreytingummeWYeimhttisemlUster4.mgr.34.gr.Leggja wO  skalsaman26%affyrrihlutanumog23%afYvsemumframer.BtkomaYeirrar B  samlagningarersWanmargflduWmeWhlutfallinumillisamanlagWraeigintj;nasWustu    YriggjareikningsraogsamanlagWratj;naheildsWustuYrjreikningsrsamkvmt   rekstrarreikningi,enY;aldreimeWlgritluen0,5.ViWtreikningeigintj;numer {  endurtryggingaflagiheimiltaWfengnusamYykkiFjrmlaeftirlitsinsaWdragafrkrfur nF flgmeWsrstakantilgang.9    y & a 0treikningumskv.1.mgr.skalmiWaviWmeWaltalsjsWustureikningsrastaWYriggja  rekiflagiWaWallegastarfsemifrum-eWaendurtryggingum;veWurs-,hagl-eWa  frostskaWatryggingaeWagreiWsluvtrygginga.'a r  y AWfengnusamYykkiFjrmlaeftirlitsinsgeturvtryggingaflagdreiftiWgjldum,tj;num, e= breytingumtj;naskuldogyfirteknumrttindummillirameWtlfrWilegumaWferWum. 0 EflgmarksgjaldYolreynistveralgraennstliWnureikningsriskalYaWekkilkkameira  hlutfallslegaensemnemurhlutfallslegrilkkuneigintj;naskuldarmillismura.   y 0frum-eWaendurtryggingumsjkratryggingasemreknarerusamkvmttknilegum i reiknigrundvelliskalmiWaviW6%eWa5,33%b;kfrWraiWgjaldastaW18%eWa16%Yegar \4 reiknaWergrundvelliiWgjalda,og8,67%eWa7,67%meWaltj;nsfjrhWarsWustuYremur ' rumstaW26%eWa33%YegarreiknaWergrundvellitj;naogfrumtryggingineWa  endurtryggWfrumtryggingarhttafullngireftirfarandiskilyrWum:  ! ! 4ABCD(%004ABCD"A0J"  A0J y2%  1  .3  Ԉ0    IWgjlderureiknuWsamkvmttryggingastrWfrWilegumaWferWum.A0J݌`    Ќ  "A0J"  A0J y2%  2  .3  Ԉ0    Vtryggingaskuldintekurm.a.miWafhkkandialdri.A0J$݌S+!   Ќ   y 0reglugerWerheimiltaWkveWaumhvernigtekiWskulitillittilhliWarstarfsemiskv.13. " gr.viWtreikninglgmarksgjaldYoli. # @vv&`33.gr. !W% @`LgmarksgjaldYollftryggingaflags. J""&  y GjaldYolvtryggingaflagssemrekurlftryggingastarfsemiskalhverjumtmanema #' minnstsamanlgWumfjrhWumskv.1.!6.tlul.hreftir,ensamtalaYessinefnist #( lgmarksgjaldYolflagsins,sbr.Y;34.gr.: $ ) ! ! 4ABCD(%004ABCD"A0J"  A0J8 y2%  1  .3  Ԉ0    Hlutdeildhttu-ogsfnunarlftrygginganfjrfestingarhttuskv.1.tlul.22.gr.er v%N!* samtalaYeirrafjrhWasemkomatra-,b-ogcliWhreftir:A0J8e݌A&"+   Ќ  "C"  C0 y 0y y e2%  a  .3  Ԉ0    Reiknaskal4%aflftryggingaskuldinnifrumtryggingumsamkvmt  '", reiknigrundvellinfrdrttarhlutendurtryggjenda,enaWviWbttri '#- lftryggingaskuldvegnam;ttekinnaendurtryggingalftrygginga.SfjrhWer (z$. margflduWmeWhlutfallinumillilftryggingaskuldaraWfrdregnumhlut ( endurtryggjendaogheildarlftryggingaskuldareinsoghlutfalliWvarnstliWnu  reikningsri,enhlutfallYettamY;aldreiveralgraen0,85.C݌   Ќ  "C"  C 0 y 0y y e2%  b  .3  Ԉ0    Reiknaskal0,3%afsamanlgWumYeimhlutalftryggingarfjrhWavegna a dnarhttusemlftryggingaflagiWberhttuafgagnvarthinumlftryggWulok T, reikningsrsnfrdrttarhlutendurtryggjenda.SfjrhWermargflduWmeW  hlutfallinumillisamanlagWralftryggingarfjrhWaaWfrdregnumhlut  endurtryggjendaogheildarlftryggingarfjrhWaeinsoghlutfalliWvarnstliWnu   reikningsri,enhlutfallYettamY;aldreiveralgraen0,5.SumaWrWa  X tmabundnardnarhttulftryggingarmeWgildistmaYrjreWaskemurskal K #  stuWullinn1.mlsl.vera0,1%staW0,3%og0,15%sgildistmilengrienYrjr    enmestfimmr.C 8݌     Ќ  "C"  C 0 y 0y y e2%  c  .3  Ԉ0    BeitaskalaWferW32.gr.tilYessaWreiknagjaldYolskrfuvegnaviWb;tartrygginga   semfallaundirf!hliW1.tlul.22.gr.C  ݌wO    Ќ  "A0J"  A0J/  y2%  2  .3  Ԉ0    Hlutdeildhj;na-ogbarnalftryggingaskv.2.tlul.22.gr.erreiknuWeinsog1.tlul. B  Yessararmlsgreinar.A0J/ \ ݌     Ќ  "A0J"  A0J y2%  3  .3  Ԉ0    Hlutdeildhttu-ogsfnunarlftryggingameWfjrfestingarhttuskv.3.tlul.22.gr.   ersamtalafjrhWasamkvmteftirfarandi:A0J݌{    Ќ  "C"  C0 y 0y y e2%  a  .3  Ԉ0    EflftryggingaflagiWberfjrfestingarhttuskalreikna4%aflftryggingaskuldinni nF frumtryggingumskv.aliW1.tlul.C?݌9   Ќ  "C"  C0 y 0y y e2%  b  .3  Ԉ0    EfkostnaWarhlutiiWgjaldaerbundinntilaWminnstakostifimmranYessaW  lftryggingaflagiWberifjrfestingarhttuskalreikna1%aflftryggingaskuldinni  skv.aliW1.tlul.C݌r   Ќ  "C"  C0 y 0y y e2%  c  .3  Ԉ0    EflftryggingaflagiWberekkifjrfestingarhttuogkostnaWarhlutiiWgjaldaerekki e= bundinntilaWminnstakostifimmraskalreikna25%afskrifstofu-og 0 stj;rnunarkostnaWiviWreksturYeirrarstarfsemisWastareikningsri.C݌   Ќ  "C"  C0 y 0y y e2%  d  .3  Ԉ0    VegnadnarhttuskalreiknahlutfalllftryggingarfjrhWaskv.bliW1.tlul.C݌   Ќ  "A0J"  A0J. y2%  4  .3  Ԉ0    Hlutdeildvaranlegraheilsutrygginganuppsagnarrttarskv.4.tlul.22.gr.ersamtala i tveggjaliWasemkvarWastannarsvegarafvtryggingaskuldinni,sbr.aliW1.tlul.,og \4 hinsvegaraflgmarksgjaldYolieinsogYaWerreiknaWskv.32.gr.X;mfallafrkrfu ' 2.tlul.4.mgr.YeirrargreinarYegarumh;pvtryggingareraWrWa.A0J.[݌   Ќ  "A0J"  A0J y2%  5  .3  Ԉ0    Hlutdeildannarralftryggingaskv.5.tlul.22.gr.lgmarksgjaldYoliskalkveWinmeW  reglumsemFjrmlaeftirlitiWsetur.A0J݌`    Ќ  "A0J"  A0J? y2%  6  .3  Ԉ0    Hlutdeildslysa-ogsjkratryggingaskv.1.!2.tlul.1.mgr.21.gr.skalkvrWuWskv. S+! 32.gr.A0J?l݌"   Ќ   y 0reglugerWerheimiltaWkveWaumhvernigtekiWskulitillittilhliWarstarfsemiskv.13. # gr.viWtreikninglgmarksgjaldYoli.  $ @vv&`34.gr. J""&  y XrttfyrirkvWi32.og33.gr.skallgmarksgjaldYolvtryggingaflagsaldreiveralgra #' en3millj;nirevra.StundivtryggingaflagiWeingngustarfsemiskv.1.!9.eWa16.!18. #( tlul.1.mgr.21.gr.mlgmarksgjaldYolekkiveralgraen2millj;nirevra. $ )  y FyrirbundinendurtryggingaflgskalfjrhWskv.1.mgr.nema1millj;nevra. v%N!*  y XrttfyrirkvWi1.mgr.skallgmarksgjaldYolvtryggingaflagssemstundarstarfsemi A&"+ frumtryggingumogendurtryggingumvera3millj;nirevraseittafeftirfarandiskilyrWum  '", uppfyllt: '#- ! ! 4ABCD(%004ABCD"A0J"  A0J2! y2%  1  .3  Ԉ0    HluturendurtryggingaiWgjldumrsinssminnst10%afheildariWgjldumrsins.A0J2!_!݌(z$.   Ќ  "A0J"  A0Jf" y2%  2  .3  Ԉ0    IWgjldrsinsendurtryggingumnemiminnst50millj;numevra.A0Jf""݌(   Ќ  "A0J"  A0J# y2%  3  .3  Ԉ0    Hluturvtryggingaskuldarvegnaendurtrygginganemiminnst10%af  heildarvtryggingaskuld.A0J##݌   Ќ   y FjrhWirskv.1.!3.mgr.skulutakabreytingum31.desemberrhvertsamrmiviW a breytingarfr20.marsrhvertsamrmdrivsitluneysluverWsaWildarrkjumEvr;pska T, efnahagssvWisinsfrgildinu111,2.FjrhWirskuluY;ekkibreytastnemihkkuninfr  sWustubreytingulgrahlutfallien5%.   y AWminnstakostiYriWjungurlgmarksgjaldYols,Y;ekkilgrifjrhWensegir1.mgr.,   skalmyndaWurafgjaldYolsliWumskv.1.!5.tlul.1.mgr.31.gr.EinnigerheimiltaWteljaYar  X gjaldYolsliWiskv.7.tlul.1.mgr.31.gr.aWfengnusamYykkiFjrmlaeftirlitsins. K #   y ViWstofnunvtryggingaflagsogmeWanflagstarfargrundvelliframlagWrartlunar    umstarfsemina,sbr.25.eWa86.gr.,skaltilskiliWlgmarksgjaldYolreiknaWgrundvelli    tlunarinnarogendurskoWunarhennarefforsendurhennarbreytast.   @vv&`35.gr. B   y Btjfnunarsj;WurvegnagreiWsluvtrygginga,hvortsemerfrum-eWaendurtrygginga,    svarartilYeirrarfjrhWarsemlgWertilhliWartilaWmtasveiflumtj;nareynsluflagsins   frritilrssvoogvegna;vissuumendanlegarb;tafjrhWirsamanboriWviWmatYeirraviW {  kvrWuntj;naskuldarinnarhverjusinni.:heimilteraWrWstafaarWirtjfnunarsj;Wi. nF  y Xegarb;kfrWiWgjldaffrum-eWaendurtryggingumgreiWsluvtryggingumnemameira 9 en4%afb;kfrWumiWgjldumflagssamanlagteWa2,5millj;numevraeWameira,skal  rlegagjaldfraframlagtilmyndunartjfnunarsj;WsYessumgreinaflokki.Gjaldfrslan  skalhverjureikningsrinema75%afrekstrarniWurstWuYessaratrygginga,Y;aldreimeira r ennemur12%afb;kfrWumiWgjldumgreininni.FramlgskulufallaniWurnemi e= tjfnunarsj;Wur150%b;kfrWraiWgjaldaeinsogYauhafahstveriWeinurisWasta 0 fimmratmabili.  @vv&`36.gr. i @!`Vtryggingaskuld. \4  y VtryggingaskuldskalmetinYannigaWhnsamsvari;uppgerWumheildarskuldbindingum ' vtryggingaflagsvegnagerWravtryggingarsamninga.0reglugerWumrsreikningog  samstWureikningsskilvtryggingaflagaskulusettnnarikvWiummat  vtryggingaskuldar. `   y Vtryggingaflagskal,aukYessaWuppfyllahverjumtmagjaldYolsskilyrWisamkvmt S+! lgumYessum,sjtilYessaWhverjumtmasufyrirhendieignir,srstaklegatilgreindar " tiljfnunarvtryggingaskuld.EignirnarskuluvaldarmeWtillititilryggis,vxtunarog # markaWsaWstWnaogskalflagiWtryggjafjlbreytniogdreifingueignanna.Skalhverju  $ tilvikifyrirsigmetaYhttusemfelstYeimeignumsemtlaWeraWmta !W% vtryggingaskuldogsrstaklegameWtillititildreifingarYannigaWvgieinstakrategunda J""& ogeignaliWaverWitakmarkaW.TakaskaltillittilYeirrarhttusemfelstfjrfestinguaf #' tiltekinnitegundogtakmarkafjrhWirtiljfnunarvtryggingaskuldsamrmiviWYaW. #(  y Vtryggingaskuldhlutendurtryggjendaskalbyggjastkrfumendurtryggjendur $ ) aWildarrkissemfengiWhafastarfsleyfisamrmiviWlgYessi.Fjrmlaeftirlitinuerheimilt v%N!* aWfenginniums;knvtryggingaflagsaWveitaundanYgufrYessuskilyrWiogsetjareglur A&"+ semtilgreinahvaWatilvikumsundanYgaerveitt.  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(z$.  y SetjaskalnnarikvWireglugerWumYrtegundireignasemteljamtiljfnunar ( vtryggingaskuldogtjfnunarsj;Wifrumtryggingaflags,samsetninguYeirraogvgi.  @vv&`37.gr. a  y Frumtryggingaflagskalveljaeignirtiljfnunarvtryggingaskuldogtjfnunarsj;WimeW T, tillititilgengishttuYannigaWdregiWsrvgihennarsvosemkosturer.Xverheimilt  aWvaxtaeignirm;tialltaW20%vtryggingaskuldbindinga,semerutilteknum  gjaldmiWli,WrumgjaldmiWli.    y EndurtryggingaflagskalsjtilYessaWhverjumtmasufyrirhendieignir,srstaklega  X tilgreindartiljfnunarvtryggingaskuldogtjfnunarsj;Wi,semvaldarerumeWhliWsj;naf K #  eftirfarandireglum:    ! ! 4ABCD(%004ABCD"A0J"  A0J; y2%  1  .3  Ԉ0    EignirnarskuluvaldarmeWhliWsj;nafrekstriendurtryggingaflagsins,einkumervarWar    eWli,fjrhWogtmalengdtlaWratj;nagreiWslna,ogskulutryggjangilegtmagn,   gjaldfrni,ryggi,gWi,arWsemiogjfnunfjrfestingaflagsins.A0J;;݌wO    Ќ  "A0J"  A0J= y2%  2  .3  Ԉ0    EndurtryggingaflagiWskaltryggjaaWeignirsufjlbreytilegaroghfilegadreifWarsem B  gerirYvkleiftaWbregWastmeWviWunandihttiviWbreytingumefnahagslegum    aWstWum,einkumYr;unfjrmla-ogfasteignamrkuWum,ogmeirihttarhamfrum.   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" TilkynningtilFjrmlaeftirlitsins. #  [ y AWilisemhyggsteignast,einnsreWasamstarfiviWaWra,virkaneignarhlut  $ vtryggingaflagiskaltilkynnaFjrmlaeftirlitinufyrirframumformsn.HiWsamaviW !W% hyggistaWili,einnsreWasamstarfiviWaWra,aukasvoviWeignarhlutsinnaWvirkur J""& eignarhluturfariyfir20%,25%,33%eWa50%eWanemisvost;rumhlutaaW #' vtryggingaflagverWitaliWd;tturfyrirtkihans. #(  y 0skriflegritilkynningutilFjrmlaeftirlitsinsskulufylgjaupplUsingarumeftirfarandi: $ ) ! ! 4ABCD(%004ABCD"A0J"  A0JM_ y2%  1  .3  Ԉ0    NafnogheimiliYesssemhyggsteignasteWaaukaviWvirkaneignarhlut.A0JM_z_݌v%N!*   Ќ  "A0J"  A0Jy` y2%  2  .3  Ԉ0    NafnYessvtryggingaflagssemfyrirhugaWeraWfjrfesta.A0Jy``݌A&"+   Ќ  "A0J"  A0Ja y2%  3  .3  Ԉ0    StrWYesshlutareWaatkvWisrttarsemfyrirhugaWeraWfjrfesta.A0Jaa݌ '",   Ќ  "A0J"  A0Jb y2%  4  .3  Ԉ0    formumbreytingarverkefnumvtryggingaflags.A0Jbb݌'#-   Ќ  "A0J"  A0Jc y2%  5  .3  Ԉ0    Fjrmgnunfjrfestingarinnar.A0Jcd݌(z$.   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StaWfestingFjrmlaeftirlitsins.    m y EigisWarentveimurvirkumdgumeftirm;ttkutilkynningarskv.41.gr.skal   FjrmlaeftirlitiWstaWfestam;ttkuhennar.TeljiFjrmlaeftirlitiWaWaflaYurfitarlegri wO  upplUsingaenYeirrasemupperutaldar2.mgr.41.gr.frYeimsemhyggsteignasteWa B  aukaviWvirkaneignarhlutgeturYaWkrafiWviWkomandiumYr.Slkkrafaskalsettframeigi    sWarenfimmtudgumeftirm;ttkutilkynningar.FjrmlaeftirlitiWhefursextudagatil   YessaWmetahvortYaWtelurYannsemhyggsteignasteWaaukaviWvirkaneignarhluthfan {  tilaWfarameWeignarhlutinn.S;skaWeftirviWb;tarupplUsingumfrviWkomandi,sbr.2. nF mlsl.Yessararmlsgreinar,btistbiWeftirupplUsingunumviWYanndagafjlda,Y;ekki 9 umframtuttuguvirkadaga.   y SssemhyggsteignasteWaaukaviWvirkaneignarhlutlgaWiliskuluupplUsingarskv.  2.mgr.41.gr.eigaviWumlgaWilannsjlfan,stj;rnarmennhans,framkvmdastj;raogY r einstaklingaoglgaWilasemeigavirkaneignarhlutlgaWilanum.SkalYennfremur e= upplUstumendurskoWandalgaWilans.SkuluupplUsingarnarstuddarggnumeftirYvsem 0 YaWviW.   y FjrmlaeftirlitinuerheimiltaWveitaundanYgurfrskilumupplUsingumskv.2.mgr.  41.gr.hafilgaWiliekkitkaWaflaYeirraeWaefssemhyggsteignasteWaaukaviWvirkan i eignarhlutlUturopinberufjrmlaeftirlitiWrurkiogunnteraWaflasambrilegra \4 upplUsingafreftirlitsstj;rnvaldiYessrkis. '   43.gr.  ViWmiW. `  u y FjrmlaeftirlitiWleggurmathvortssemhyggsteignasteWaaukaviWvirkaneignarhlut S+! shfurtilaWeigaeignarhlutinnmeWtillititilheilbrigWsogtraustsreksturs " vtryggingaflags.ViWmathfiviWkomandiskalm.a.hfWhliWsj;nafeftirfarandi: # ! ! 4ABCD(%00 4ABCD"A0J"  A0Jx y2%  1  .3  Ԉ0    OrWsporiYesssemhyggsteignasteWaaukaviWvirkaneignarhlut.A0Jx.x݌ $   Ќ  "A0J"  A0J)y y2%  2  .3  Ԉ0    OrWsporiogreynsluYesssemkemurtilmeWaWveitavtryggingaflaginuforstWukomi !W% tilhinnafyrirhuguWukaupaeWaaukningareignarhlutar.A0J)yVy݌J""&   Ќ  "A0J"  A0Jz y2%  3  .3  Ԉ0    FjrhagslegubolmagniYesssemhyggsteignasteWaaukaviWvirkaneignarhlut #' vtryggingaflaginu,einkummeWtillititilYessreksturssemvtryggingaflagiWhefur #( meWhndum.A0Jzz݌$ )   Ќ  "A0J"  A0J| y2%  4  .3  Ԉ0    HvorteignarhaldYesssemhyggsteignasteWaaukaviWvirkaneignarhlutskaparhttu v%N!* hagsmunarekstrumfjrmlamarkaWi.A0J||݌A&"+   Ќ  "A0J"  A0J} y2%  5  .3  Ԉ0    StrWYesshlutareWaatkvWisrttarsemssemhyggsteignasteWaaukaviWvirkan  '",  eignarhluthyggstfjrfesta.A0J})~݌'#-   Ќ  "A0J"  A0Jy y2%  6  .3  Ԉ0    & {  HvorttlamegiaWeignarhaldYesssemhyggsteignasteWaaukaviWvirkaneignarhlut ( munitorveldaeftirlitmeWhlutaWeigandivtryggingaflagi.ViWmatYvskalm.a.horft  tilfyrrisamskiptaYesssemhyggsteignasteWaaukaviWvirkaneignarhlutviW  FjrmlaeftirlitiWeWannurstj;rnvld,tilYesshvortnintengslYesssemhyggsteignast a eWaaukaviWvirkaneignarhlutviWeinstaklingaeWalgaWilagetaaWmati T, FjrmlaeftirlitsinshindraWYaWeWlilegumeftirlitsaWgerWumoghvortlgogreglur,  semgildaumYannsemhyggsteignasteWaaukaviWvirkaneignarhlut,hindraeWlilegt  eftirlit.A0Jy݌    Ќ  "A0J"  A0J y2%  7  .3  Ԉ0    HvorttlamegiaWeignarhaldYesssemhyggsteignasteWaaukaviWvirkaneignarhlut  X munileiWatilpeningaYvttiseWafjrmgnunarhryWjuverkaeWagetiaukiWlkuraW K #  slktathfiverWiltiWviWgangastinnanhlutaWeigandivtryggingaflags.A0J݌     Ќ  "A0J"  A0J؅ y2%  8  .3  Ԉ0    HvortssemhyggsteignasteWaaukaviWvirkaneignarhluthefurgefiW    FjrmlaeftirlitinuumbeWnarupplUsingarsamtfylgiggnumogYrupplUsingarhafa   reynstrttar.A0J؅݌wO    Ќ  "A0J"  A0J y2%  9  .3  Ԉ0    RefsingumsemssemhyggsteignasteWaaukaviWvirkaneignarhluthefurveriW B  dmdurtilaWstaoghvortviWkomandistiranns;knsakamls.A0JLJ݌     Ќ  '{ (  & , 44.gr. {  MatogtilkynningFjrmlaeftirlitsins. nF = y TeljiFjrmlaeftirlitiWYannsemhyggsteignasteWaaukaviWvirkaneignarhlutekkihfan 9 tilYess',IaWfarameWeignarhlutinnskalYaWtilkynnaviWkomandiumYaW.FjrmlaeftirlitiW  skalrkstyWjaniWurstWusnafyrirviWkomandi.TeljiFjrmlaeftirlitiWvafaleikahfiYess  semhyggsteignasteWaaukaviWvirkaneignarhluterYvY;heimiltaWsetjaskilyrWifyrirYv r aWviWkomandifjrfestingusekkihafnaW,m.a.aWviWkomandigrpitilrWstafanaYvskyni e= aWtakmarkaskaWleghrifafeignarhaldihans,aWeignarhaldiWsfaliWsrstku 0 eignarhaldsflagisemhafiekkiaWrastarfsemimeWhndumeWaaWhanntilnefnieinstaklinga  semFjrmlaeftirlitiWmeturhfasemfulltrasnastj;rn.SkilyrWiYessiskulukomafram  staWfestinguFjrmlaeftirlitsinstilYesssemhyggsteignasteWaaukaviWvirkaneignarhlut i umaWYaWsetjisigekkiuppm;tifyrirhugaWrifjrfestingu. \4  y NiWurstaWaFjrmlaeftirlitsinsskalveraskriflegogtilkynntYeimsemhyggsteignasteWa ' aukaviWvirkaneignarhluteigisWarentveimurvirkumdgumeftiraWniWurstaWanlfyrir.  LigginiWurstaWaFjrmlaeftirlitsinsekkifyririnnanYesstmafrestssemkveWiWerum1.  mgr.42.gr.skallitiWsvoaWFjrmlaeftirlitiWhafiekkiathugasemdirviWfyrirtlanirYess `  semhyggsteignasteWaaukaviWvirkaneignarhluthlutaWeigandivtryggingaflagi.Setji S+! FjrmlaeftirlitiWskilyrWifyrirYvaWssemhyggsteignasteWaaukaviWvirkaneignarhlut " megifarameWeignarhlutinnogYaukomaframtilkynningutilhans,skalhannstaWfestaaW # hannmuniuppfyllaskilyrWiYess.  $  y HafissemhyggsteignasteWaaukaviWvirkaneignarhluteigirWistYrfjrfestingar !W% semhannhafWitilkynntFjrmlaeftirlitinuinnansexmnaWafrYvaWniWurstaWaYessl J""& fyrirskalhanntilkynnaYvaWnUjuumfyrirhugaWafjrfestingusna.kvWi41.!43.gr. #' gildaYumYtilkynninguogviWbrgWFjrmlaeftirlitsinsviWhenni. #(  y EfssemhyggsteignasteWaaukaviWvirkaneignarhlutervtryggingaflageWa $ ) fjrmlafyrirtkimeWstarfsleyfiWruaWildarrkieWam;WurflagslksaWilaeWa v%N!* einstaklingureWalgaWilisemhefuryfirrWyfirslkumaWila,ogefflagiWsemYessiaWili A&"+ hyggstWlastvirkaneignarhlutyrWid;tturflaghanseWalytiyfirrWumhanskjlfar  '", flunarYessaeignarhlutar,skalFjrmlaeftirlitiWhafasamrWviWviWeigandi '#- eftirlitsstj;rnvldsamrmiviW18.gr.,WurenniWurstaWaYesserkunngerW. (z$. Ї  & a 45.gr. ( TilkynningaWilaekkisend.  q y NtilkynniraWilisemhyggsteignaste'a(}WaaukaviWvirkaneignarhlutFjrmlaeftirlitinu  ekkiumfyrirhuguWkaupsneWaaukninguvirkumeignarhlut,YrttfyriraWhonumsYaW a skyltskv.41.gr.,ogfellurYniWuratkvWisrttursemfylgirYeimhlutumsemeruumfram T, YaWsemhannttiWur.GeturFjrmlaeftirlitiWkrafistYessaWhlutaWeigandisendiinn  tilkynningusamrmiviWkvWi41.gr.UmmlsmeWferWferaWWruleytiskv.42.!44.gr.  GeriFjrmlaeftirlitiWekkiathugasemdirviWaWviWkomandiaWilieignisteWaaukiviWvirkan   eignarhlutWlasthannatkvWisrttsamrmiviWeignarhlutasinn.Beristtilkynning  X hlutaWeigandiekkiinnanfjgurraviknafrYvaWFjrmlaeftirlitiWkrafWisttilkynningar K #  geturYaWkrafistYessaWhannseljiYannhlutaeignarhlutarinssemerumframYaWsemhann    ttiWur.SkalFjrmlaeftirlitiWsetjatmamrkYvskyniogskalfresturinnekkivera    skemmrientveirmnuWir.ShluturekkiseldurtilskildumtmaerFjrmlaeftirlitinu   heimiltaWbeitaaWiladagsektumsamkvmtlgumumopinberteftirlitmeW wO  fjrmlastarfsemi. B    46.gr.   :hfuraWilieignasthlut. {   y EignistaWilieWaaukiviWvirkaneignarhlutYrttfyriraWFjrmlaeftirlitiWhafikomistaW nF YeirriniWurstWuaWhannsekkihfurtilaWeignasteWaaukaviWhlutsinnfellurniWur 9 atkvWisrtturaWilaumframlgmarkYesshlutarsemtelstvirkureignarhlutur.ViWkomandi  aWilaerskyltaWseljaYannhlutaeignarhlutarinssemerumframleyfilegmrkogniWurstaWa  Fjrmlaeftirlitsinst;ktil.SkalFjrmlaeftirlitiWsetjatmamrkYvskyniogskal r fresturinnekkiveraskemmrientveirmnuWir.Shluturekkiseldurtilskildumtmaer e= FjrmlaeftirlitinuheimiltaWbeitaaWiladagsektumsamkvmtlgumumopinberteftirlit 0 meWfjrmlastarfsemi.AWiliWlastfyrriatkvWisrttaWslulokinni.    47.gr. i HmlurmeWferWhlutarmeWantmafresturstendur. \4 E y Kaupvirkumeignarhlutkomaekkitilframkvmdagagnvartvtryggingaflaginusem ' umrWirfyrrenniWurstaWaFjrmlaeftirlitsins,sbr.44.gr.,liggurfyrir.meWan  FjrmlaeftirlitiWhefurekkitilkynntumniWurstWusna,eWatmafresturskv.42.gr.erekki  liWinn,erYeimsemhyggsteignasteWaaukaviWvirkaneignarhlut;heimiltaWtakaYtt `  kvrWunumumgrundvallarbreytingarfjrhagslegristWu,eignauppbyggingu,rekstri, S+! starfsemioginnristarfsreglumnemaaWfengnusrstkusamYykkiFjrmlaeftirlitsins. "   48.gr.  $ TilkynningeigandaumaWilaskipti. !W%  y HyggisteigandivirkseignarhlutardragasvorhlutafjreignsinnieWaatkvWisrttiaW J""& hanneigiekkivirkaneignarhluteftirYaWskalhanntilkynnaYaWFjrmlaeftirlitinufyrirfram #' ogeinnighvereignarhluturhansmuniverWa.FarieignarhluturinnniWurfyrir20%,25%, #( 33%,50%eWasvomikiWaWvtryggingaflagiWhttiraWverad;tturfyrirtkihlutaWeigandi $ ) skalYaWeinnigtilkynnt.SamaviWefhlutfallslegureignarhlutureWaatkvWisrtturrUrnar v%N!* vegnahlutafjraukningar. A&"+    '",   &   49.gr. ( TilkynningvtryggingaflagsumaWilaskipti.   y XegarhlutafjreignvtryggingaflagiferyfireWaundirYaumrksemtilgreinderu41.  gr.skalstj;rnYesstilkynnaFjrmlaeftirlitinuumYaWnstWulaussdrttar. a '(  50.gr.  UpplUsingaskylda.   y FjrmlaeftirlitiWgeturkrafisthverskonargagnaogupplUsingafreinstaklingumeWa   lgaWilumsemeigaeWafarameWeignarhlutvtryggingaflagiYvskyniaWmetahvortYeir  X teljasthfirtilaWfarameWvirkaneignarhlutsamkvmtYessarigrein.FjrmlaeftirlitiW K #  geturkrafistsmuupplUsingafreinstaklingumeWalgaWilumsemhafaselteignarhluteWa    haftmillignguumviWskiptimeWeignarhlut.LagakvWiumYagnarskyldutakmarkaekki    skyldutilYessaWveitaupplUsingarogaWgangaWggnum.    y EigisjaldnareneinusinniriskalvtryggingaflagtilkynnaFjrmlaeftirlitinuumY wO  hluthafasemeigavirkaneignarhlutYvogumhlutafjreignhversYeirra. B    & , 51.gr.   Raunverulegureigandi. {   y LeikivafiYvaWmatiFjrmlaeftirlitsinshvers,eWaverWi,raunverulegureigandivirks nF eignarhluta,',skalYaWtilkynnaviWkomandiaWilaogvtryggingaflaginuaWYaWtelji 9 viWkomandiaWilaekkihfantilYessaWfarameWeignarhlutinn.    52.gr. r RWstafanirtengdarvirkumeignarhlut. e=  y SaWilasemvirkaneignarhlutvtryggingaflagisvofariWeWafarihannYannigmeW 0 hlutsinnaWskaWiheilbrigWanogtraustanreksturYessaWmatiFjrmlaeftirlitsinsgeturYaW  gripiWtileftirfarandirWstafana:  ! ! 4ABCD(%00 4ABCD"A0J"  A0J y2%  1  .3  Ԉ0    kveWiWaWYeimhlutfylgiekkiatkvWisrttur.A0J0݌i   Ќ  "A0J"  A0J  y2%  2  .3  Ԉ0    LagtfyrirhlutaWeigandivtryggingaflagaWgrpatilrWstafanasemdragarskaWlegum \4 hrifumhluthafans.A0J M݌'   Ќ  "A0J"  A0J y2%  3  .3  Ԉ0    Lagtfyrirflagsstj;rnhlutaWeigandivtryggingaflagsaWboWatilhluthafafundarYar  semhttsemihluthafansskaltekinfyrir.SkalfulltraFjrmlaeftirlitsinsheimiltaW  skjafundinnogtakaYartilmls.A0J݌`    Ќ   y ViWmatYvhvortgripiWskulitilrWstafanaskv.1.mgr.skalm.a.hfWhliWsj;nafYeim S+! atriWumsemgreinir43.gr.AWaukiskalhfWsrstkhliWsj;nafYvhvortstaWaeWa " httsemiviWkomandiaWilastilYessfallinaWrUratraustalmenningshlutaWeigandi # vtryggingaflagiverWihnopinber.  $  y FjrmlaeftirlitinuerheimiltaWgrpasenntilfleirieneinnarafYeimrWstfunumsem !W% tilgreindareru1.mgr.YykiYaWnauWsynlegt. J""&  y TeljiFjrmlaeftirlitiWaWnintengslhindrieftirlitmeWstarfsemivtryggingaflagsskal #' YaWfaraframaWtengslinverWistraxrofin,nemaYaWteljiaWrarrWstafanirfullngjandi. #( @vv&`53.gr. v%N!*   Hlutabrf.Lnveitingar. A&"+ ] y Vtryggingaflagmsjlftaldreieigameiraen10%eiginhlutafjr.AtkvWisrtturfylgir  '",  ekkihlutabrfumsemvtryggingaflagsjlft. '#- & ,   y Vtryggingaflagier;heimiltaWveitalnsemtryggWerumeWveWihlutabrfumeWa ( skuldabrfumtgefnumafYv.SamagildirumaWrasamningasundirliggjandihtta  eiginbrf.  ',(u y MegigreiWanUjahlutimeWskuldajfnuWieWaannanhttenmeWreiWufviWhkkun a hlutafjrskulureglurYaraWltandikomaframkvrWunhluthafafundarumhkkuninaog T, gildirkvWi16.gr.eftirYvsemviWgeturtt.kvrWunumaWinnborgunnUrrahlutageti  fariWframmeWskuldajfnuWiskalhlj;tasamYykkiFjrmlaeftirlitsins.   y AllarkvarWanirumlkkunhlutafjrvtryggingaflagiskuluhWarsamYykki   Fjrmlaeftirlitsins.  X   VII.KAFLI     Stj;rn.EndurskoWunogreikningsskil.     54.gr.   Stj;rn. wO  K y 0vtryggingaflagi,semfengiWhefurstarfsleyfihrlandi,skalstj;rnkjrinaWalfundi B  samkvmtkvWumsamYykktaflagsinsogveraskipuWYremurmnnumhiWfsta.Kj;sa    skaljafnmargavaramenn.Stj;rninhefuralmennteftirlitmeWYvaWstarfsemiflagsinsfari   aWlgumogsamYykktum,YarmeWaleftirlitmeWb;khaldiogrWstfunfjrmunaflagsins. {  Stj;rninskalsetjareglur,semstaWfestarskuluafFjrmlaeftirlitinu,uminnraeftirlit,innri nF endurskoWun,fjrfestingarstarfsemi,lnveitingarogviWskiptiviWtengdaaWila.Stj;rninber 9 samtframkvmdastj;rabyrgWYvaWskipulagflagsinsoginnraeftirlitsfullngjandi  ogYvaWflagiWgetilagtframupplUsingarsemYrfertileftirlitsmeWYv.  FjrmlaeftirlitiWgetursettalmennarreglurumfyrirkomulaginnraeftirlits r vtryggingaflgum. e=  y Stj;rnskalsetjasrstarfsreglurYarsemnnarskalkveWiWumframkvmdstarfa 0 stj;rnarinnar.0reglumYessumskalfjallaWsrstaklegaumheimildirstj;rnartilaWtaka  kvarWanirumeinstkviWskipti,framkvmdreglnaumsrstakthfistj;rnarmanna,meWferW  stj;rnarupplUsingumumeinstakaviWskiptamenn,setustj;rnarmannastj;rnum i d;tturflagaoghlutdeildarflagaogframkvmdreglnaummeWferWviWskiptaerinda \4 stj;rnarmanna.ReglurYessarskalsendatilFjrmlaeftirlitsins. '  y Stj;rnarmennskuluverabsettiraWildarrkieWarkisemeraWiliaWEfnahags-og  framfarastofnuninni(OECD).Framkvmdastj;riskalverabsetturaWildarrki.  FjrmlaeftirlitinuerheimiltaWveitaundanYgufrbsetuskilyrWum.Stj;rnarmennog `  framkvmdastj;riskuluveralgrWaoghafa;flekkaWmannorWogmegaekkisWustu S+! fimmrumhafaveriWrskurWaWirgjaldYrota.XeirmegaekkitengslumviWatvinnurekstur " hafasWustuturumhlotiWd;mfyrirrefsiverWanverknaWsamkvmtalmennum # hegningarlgum,samkeppnislgum,lgumumhlutaflg,lgumumeinkahlutaflg,lgum  $ umb;khald,lgumumrsreikninga,lgumumgjaldYrotaskiptio.fl.ogkvWumlagaum !W% staWgreiWsluopinberragjalda,svoogsrlgumsemgildaumaWilasemltaopinberueftirliti J""& meWfjrmlastarfsemi. #'  y Stj;rnarmennogframkvmdastj;rarskuluverafjrhagslegasjlfstWiroghafalokiW #( hsk;lapr;fisemnUtiststarfi.FjrmlaeftirlitiWgeturveittundanYgufrmenntunarkrfum $ ) skv.1.mlsl.grundvellireynsluogYekkingarviWkomandi.Jafnframtskulustj;rnarmenn v%N!* ogframkvmdastj;rarbayfirngilegriYekkinguogstarfsreynslutilaWgetagegntstWu A&"+ sinnitilhlUWileganhtt,m.a.hafaYekkinguYeirristarfsemisemvtryggingaflagiW  '", stundar.XeirmegaekkihafasUntafsrhttsemifyrristrfumsnumsemgefurtilefnitil '#- aWdragaefahfniYeirratilaWstandafyrirtraustumogheilbrigWumrekstrieWaaWYeir (z$. misnotiaWstWusnaeWaskaWiflagiW.FjrmlaeftirlitiWseturreglurumfjrhagslegt ( sjlfstWistj;rnarmannaogframkvmdastj;raogumhvernigstaWiWskuliaWhfismati.   y Stj;rnarmennvtryggingaflagieWaWrumeftirlitsskyldumaWilamegaekkieigasti  stj;rnannarsvtryggingaflagseWaflagsnnumtengslumviWYaWnverastarfsmenn, a lgmenn,endurskoWendureWatryggingastrWfrWingarannarsvtryggingaflagseWatengdra T, flaga.StarfsmnnumvtryggingaflagserekkiheimiltaWsitjastj;rnviWkomandi  vtryggingaflags.   y XrttfyrirkvWi5.mgr.geturstj;rnarmaWureWastarfsmaWurvtryggingaflagseWa   fjrmlafyrirtkistekiWstistj;rnannarsvtryggingaflags,fjrmlafyrirtkiseWa  X fjrmlasamsteypuefumeraWrWaflagsemeraWhlutaeWalluleytieigu K #  vtryggingaflagsinseWaflagsemeraWhlutaeWalluleytieiguflagsmeWyfirrW    vtryggingaflaginu.Samagildirumlgmannm;Wurflags.Stj;rnarsetasamkvmtYessari    mlsgreinskalhWYvaWhnskapiekki,aWmatiFjrmlaeftirlitsins,httu   hagsmunarekstrumfjrmlamarkaWi.0Yessusambandiskalm.a.horfttileignarhaldsaWila wO  ogtengslaflagsinssemumrWirviWaWraaWilafjrmlamarkaWisvooghvorttengslingeti B  skaWaWheilbrigWanogtraustanreksturvtryggingaflagsins.     y & a Stj;rnarformannivtryggingaflagier;heimiltaWtakaaWsrnnurstrffyrirflagiW   enYausemteljasteWlilegurhlutistarfahanssemstj;rnarformanns,aWundanskildum {  einstkumverkefnumsemflagsstj;rninfelurhonumaWvinnafyrirsig.'aV nF  y Stj;rninboWartilaWalfunda.SekkiboWaWtilaWalfundarsemhaldaskalsamrmiviW 9 lg,samYykktireWakvrWunaWalfundarboWarFjrmlaeftirlitiWtilhansaWkrfu  stj;rnarmanns,framkvmdastj;ra,endurskoWandaeWaaWilasematkvWisbreraWalfundi.  FjrmlaeftirlitiWtilnefnirfundarstj;raogskalstj;rninafhendahonumskryfirYsem r atkvWisbrireru,gerWab;kaWalfundaogendurskoWunarb;k.FlagiWgreiWirkostnaWviW e= aWalfundinn. 0  y Fistj;rnarmenneWaframkvmdastj;rarY;knuneWaaWrartekjurafvtryggingum,sem  flagiWyfirtekureWalturafhendi,vegnaYtttkuumboWs-eWamiWlunarstarfsemieWa  vegnafjrhagslegrahagsmunaslkristarfsemiskalFjrmlaeftirlitinusendtilkynningYar i aWltandi. \4  y Stj;rnm;WurflagsberaWtilkynnaFjrmlaeftirlitinuYegarmynduWerflagasamstWa ' ogvtryggingaflagWlastyfirrWWruflagi.Einnigskaltilkynnaverulegarbreytingar  skipulagisamstWuYegarYrgangagildi.   y Stj;rnvtryggingaflagsskalsetjaverklagsreglurumverWbrfaviWskiptiflagsins, `  stj;rnarYessogstarfsmanna. S+!  y Stj;rnogframkvmdastj;riskuluntafargeraFjrmlaeftirlitinuviWvarthafiYeir " vitneskjuummlefnisemhafarslitaYUWingufyrirframhaldandistarfsemiflagsins. # @vv&`55.gr. !W% @`Kaupaukakerfi.Starfslokasamningur. J""&  y AWteknutillititilheildarafkomuvtryggingaflagsyfirlengritma,undirliggjandihttu #' ogfjrmagnskostnaWarervtryggingaflagiheimiltaWveitakauprtteWakaupaukagreiWslur #( samrmiviWreglursemFjrmlaeftirlitiWsetur.unninrttindistarfsmannasamkvmt $ ) kaupaukakerfiskulufrWtilgjaldahverjuri,eftirYvsemreikningsskilareglurheimila, v%N!* ogsrstaklegagerWgreinfyrirYeimskUringummeWrsreikningi. A&"+  y Vtryggingaflagier;heimiltaWgerastarfslokasamningviWframkvmdastj;raeWaannan  '", lykilstarfsmannnemahagnaWurhafiveriWafrekstriflagsinssamfelltsWustuYrjr '#- starfstmahans.MeWstarfslokasamningigreinYessarierttviWhverskonarsamningasem (z$. gerWirerumilliframkvmdastj;raeWalykilstarfsmannsannarsvegarogvtryggingaflags ( hinsvegar& a ogkunnaaWfraYeimsemlturafstrfumhlunnindieWarttindiumfram  hefWbundnarlaunagreiWsluruppsagnarfresti.  'a y HafihagnaWurveriWafrekstriflagsinssamfelltsWustuYrjrerheimiltaWgera a starfslokasamningaviWYsemtilgreindireru2.mgr.Slkirsamningarskuluveraformi T, beinnalaunagreiWslnaogekkivaralenguren12mnuWieftirstarfslok.Um  starfslokasamningsemgerWurhefurveriWfyrirgildistkulagaYessaraenekkikomiWtil  framkvmdagildakvWigreinarYessarar.    y SrstaklegaskalgeragreinfyrirstarfslokasamningumskUringummeWrsreikningi.  X HeimilterreglugerWaWkveWannarumskilyrWiogframkvmdstarfslokasamninga. K #  @vv&`56.gr.    @MM"`rsreikningar.    y rsreikningskalsemjafyrirhvertreikningsr.rsreikningurskalhafaaWgeyma wO  rekstrarreikning,efnahagsreikning,sj;Wstreymi,skUringarogupplUsingarumliWiutan B  efnahagsreiknings.EinnigskalsemjaskUrslustj;rnarsemsamtrsreikningimyndareina    heild.ReikningsrvtryggingaflagseralmanaksriW.rsreikningurskalgefaglggamynd   affjrhagsstWuogrekstrarafkomuvtryggingaflagsogskalsaminnsamrmiviW {  alYj;WlegareikningsskilastaWla,sbr.VIII.kaflalagaumrsreikninga. nF  y rsreikningurogskUrslastj;rnarskuluundirrituWafstj;rnogframkvmdastj;ra.Hafi 9 stj;rnarmaWureWaframkvmdastj;rim;tbrurframaWfraskalviWkomandiundirritameW  fyrirvaraoggeragreinfyrirYvskUrslustj;rnarhvaWfelstfyrirvaranum.   y rsreikningursamtskUrslustj;rnarskalliggjaframmitilafhendingarafgreiWslustaW r vtryggingaflagseftirsamYykkthansaWalfundi. e=  y EfrsreikningurvtryggingaflagserekkisamrmiviWlggeturFjrmlaeftirlitiW 0 krafistbreytingareikningnumogaWhannverWitekinnnUtilumfjllunarflagsfundiog  skalflaginuYsetturhfilegurfrestur.FjrmlaeftirlitiWskalbirtaopinberlega  meginniWurstWurrsreiknings. i  y HeimilteraWkveWannarumformoginnihaldrsreikningsogum \4 samstWureikningsskilreglugerW. ' @vv&`57.gr.  @`EndurskoWunogreikningsskil. `   y rsreikningurvtryggingaflagsskalendurskoWaWurafendurskoWanda.AWalfundurkUs S+! endurskoWendureWaendurskoWunarflagsamrmiviWsamYykktirflags.S " vtryggingaflagiWhlutiflagasamstWuskalendurskoWandiverasameiginlegurfyrir # samstWunaheild.EfumeraWrWaflagafYvtagisemgetiWer2.mgr.13.gr.getur  $ FjrmlaeftirlitiWgertkrfuumaWa.m.k.einnendurskoWandissameiginlegurfyrirll !W% flgin.EndurskoWandieWaendurskoWunarflagskv.2.mlsl.skalekkigegnaWrumstrfum J""& fyrirvtryggingaflagiW. #'  y EndurskoWandimekkieigastistj;rn,verastarfsmaWurvtryggingaflagseWastarfa #( YguYessaWWruenendurskoWun.Hannmekkiveraskuldugurflaginu,hvorkisem $ ) skuldarinbyrgWarmaWur,ogsamagildirummakahans. v%N!*  y EndurskoWendurflagseigarttaWsitjastj;rnar-ogflagsfundivtryggingaflagiog A&"+ erskyltaWmtaaWalfundi.  '",  y EndurskoWandaeWaendurskoWunarflagskalkj;satilfimmraaWalfundi.:heimilter '#- aWkj;sasamaendurskoWandaeWaendurskoWunarflagfyrrenaWfimmrumliWnumfrYv (z$. aWstarfstmaskv.1.mlsl.lauk.XrttfyrirkvWi1.mlsl.geturvtryggingaflagvikiW ( endurskoWandaeWaendurskoWunarflagifrWurenfimmrakjrtmabililUkuraWfengnu  litiendurskoWendarWs.  @vv&`58.gr. T,  y EndurskoWendumvtryggingaflagserskyltaWveitaFjrmlaeftirlitinuYrupplUsingar  umframkvmdogniWurstWurendurskoWunarerYaW;skar.XeimereinnigskyltaWgera  FjrmlaeftirlitinutafarlaustviWvartfiYeirstarfisnufyrirflagiWeWaYsem   vtryggingaflagiWernnumtengslumviWvitneskjuum:  X ! ! *(g004ABCD"A0J"  A0J y2g  a  .3  Ԉ0    mikilvgatriWiervarWareksturflagsins,Y.m.t.vankantainnrieftirlitsferlum K #  flagsins,A0J݌     Ќ  "A0J"  A0J' y2g  b  .3  Ԉ0    lklegbrotYeirrilggjfsemgildirumstarfsemiflagsins,A0J'T݌     Ќ  "A0J"  A0JE y2g  c  .3  Ԉ0    mlefnisemkunnaaWhafarslitaYUWingufyrirframhaldandistarfsemiflagsins,A0JEr݌    Ќ  "A0J"  A0J~ y2g  d  .3  Ԉ0    athugasemdireWafyrirvararitunrsreikning.A0J~݌wO    Ќ   y UpplUsingarsemendurskoWandiveitirFjrmlaeftirlitinusamkvmtkvWumYessarar B  greinarteljastekkibrotlgbundinnieWasamningsbundinniYagnarskyldu.    @vv&`59.gr. {   y VtryggingaflagsemfengiWhefurstarfsleyfihrlandiskalinnan10dagafrundirritun nF oginnanYriggjamnaWafrlokumreikningsrssendaFjrmlaeftirlitinuendurskoWaWanog 9 undirritaWanrsreikningflagsins.FjrmlaeftirlitiWskalsetjannarireglurumYauggnsem  fylgjaeigarsreikningiumstarfseminaognauWsynlegerutilaWunntsaWframfylgjaeftirliti  samrmiviWlgYessi. r @vv&`60.gr. 0  y Rekivtryggingaflag,semfengiWhefurstarfsleyfihrlandi,tibeWaveitiYj;nustu  erlendisskalYaWinnanYriggjamnaWafrlokumreikningsrsltaFjrmlaeftirlitinut  upplUsingarumiWgjaldamagn,tj;nakostnaWogumboWslaunnfrdrttarhlut i endurtryggjendameWskiptingueinstkrkiogstarfsemiYarsemtiberrekiWogYarsem \4 Yj;nustaerveitt.EinnigskalskiptinggerWeftirgreinaflokkumsamkvmtnnarireglumsem ' FjrmlaeftirlitiWsetur.UpplUsingarYessarumstarfsemiaWildarrkjumskulurlegasendar  hlutaWeigandieftirlitsstj;rnvldumgistirkja.   y FjrmlaeftirlitiWskalaflahliWstWraupplUsingaumstarfsemierlendravtryggingaflaga `  aWildarrkjahrlendisfreftirlitsstj;rnvldumhlutaWeigandiheimarkja. S+! @vv&`61.gr. #  y EinungiserheimiltaWthlutasemarWihagnaWisamkvmtsamYykktumrsreikningi  $ sWastareikningsrs,yfirfrWumhagnaWifrfyrrirumog;bundnufeftiraWdregiWhefur !W% veriWfrtapsemekkihefurveriWjafnaW,svoogYaWfsemsamkvmtlgumog J""& samYykktumskallagtsrstakasj;Wi,endaslj;staWflagiWuppfyllikrfurumtilskiliW #' lgmarksgjaldYologYesshafiveriWgttaWleggjatilhliWarngilegtffyrir #( vtryggingaskuldflagsins,svoogaWsettumreglumummateignumflagsinsogfyrningu $ ) YeirrahafiveriWfylgt. v%N!*   A&"+   &   VIII.KAFLI (  Eftirlit.   62.gr.  u  y FjrmlaeftirlitiWhefureftirlitmeWYeimerrekastarfsemisemhWerkvWumlaga a YessaraogtibumerlendravtryggingaflagasemfengiWhafastarfsleyfihrlandi.Um T, eftirlitiWfersamkvmtlgumYessumoglgumumopinberteftirlitmeWfjrmlastarfsemi.  '(  y TeljiFjrmlaeftirlitiWaWstarfsemisamkvmtlgumYessumsstunduWntilskilinna  leyfageturYaWkrafistgagnaogupplUsingahjviWkomandiaWilumsemnauWsynlegerutil   aWgangarskuggaumhvortsvos.GeturYaWkrafistYessaWslkristarfsemishttYegar  X staW.JafnframterYvheimiltaWbirtaopinberleganfnaWilasemtaldirerubj;WaYj;nustu K #  ntilskilinnaleyfa.    @vv&`63.gr.    y FjrmlaeftirlitiWskalrlegakannagjaldYologlgmarksgjaldYolvtryggingaflaga wO  grundvellirsreikningafyrirnstliWiWreikningsrogannarranauWsynlegragagnaog B  upplUsingaumstarfsemina.EinnigskalkannaaWlagaWgjaldYologlgmarksgjaldYol    vtryggingaflagaogm;WurflagaYeirraefviW.FjrmlaeftirlitiWgetursniWsrtild;ttur-   oghlutdeildarflagavtryggingaflags,flagasemhafayfirrWyfireWaeigahlutdeild {  vtryggingaflaginuogtild;ttur-oghlutdeildarflagaYeirraflagatilaWaflanauWsynlegra nF gagnahafivtryggingaflagiWsjlftekkistaWiWFjrmlaeftirlitinuskilYeim.ViWkomandi 9 fyrirtkiskalYegarverWaviWbeiWniumslkggn.EinugildirhvorteignaraWilderbeineWa  ;bein.GgninmsannreynameWathugunstaWnum,hjvtryggingaflaginusjlfueWa  WrumflgumsmuflagasamstWu.FjrmlaeftirlitiWgeturgrundvelliniWurstWu r knnunarsinnarlkkaWgjaldYolsliWifrmativtryggingaflags,einkumYegarmarkaWsverW e= YeirrahefurlkkaWeWaer;vissuundirorpiW.EinnigmdragarhrifumendurtryggingaviW 0 treikninglgmarksgjaldYolsskv.32.og33.gr.hafiorWiWverulegbreyting  endurtryggingarverndfrYvtmabilisemtreikningurlgmarksgjaldYolsmiWastviW,eWa  ef;verulegvtryggingarhttaerflutttilendurtryggjenda.FjrmlaeftirlitiWmeturhvort i skilyrWi31.!34.gr.,eftirYvsemviW,suuppfyllt.AWteknutillititil32.!34.gr.er \4 FjrmlaeftirlitinuheimiltaWgerakrfuumhrralgmarksgjaldYolsrstkumtilvikum ' YegarYaWteluraWhagsmunumvtryggingartakasstefnthttuvegnaversnandi  fjrhagsstWuflagsinseWaeigendaaWvirkumeignarhlutYv.HafiFjrmlaeftirlitiW  athugasemdirframaWfraskalYaWtilkynntflaginu.SnauWsynlegtaWgrpatilsrstakra `  rWstafanavegnaYessaeigakvWiXII.kaflaviW. S+!  y FjrmlaeftirlitiWleggurrlegamatvtryggingaskuldvtryggingaflaga,YarmeWal " hvorttekiWsfullngjandihtttillittil;vissumatimeWnauWsynlegulagiogaW # skilyrWumumYaWsemlagterframtiljfnunarvtryggingaskuldinnisfullngt,sbr.36.og  $ 37.gr.VtryggingaflgskuluggnumsemfylgjarsreikningitilFjrmlaeftirlitsinsgera !W% greinfyrirYvhvernigvtryggingaskuldinerkveWinoghvaWaeignirerutilgreindartilaW J""& mtahenni.FjrmlaeftirlitiWgetursettreglurummatvtryggingaskuldinnioghvaWaggn #' skulifylgjaYvsambandi,aukrsreiknings. #(  y FjrmlaeftirlitiWfylgistmeWviWskiptumvtryggingaflagsviWd;ttur-oghlutdeildarflg $ ) Yess,flgsemhafayfirrWyfireWaeigahlutdeildvtryggingaflaginuogviWnnurd;ttur- v%N!* oghlutdeildarflgYeirraflaga.JafnframtskalFjrmlaeftirlitiWfylgjastmeWviWskiptum A&"+ vtryggingaflagsviWeinstaklingasemeiga20%hluteWastrriframangreindumflgum.  '",  SrstaklegaskalfylgjastmeWlnum,byrgWumogliWumutanefnahagsreiknings, '#- efnahagsliWum& a  semmyndaWgetahlutaafgjaldYoli,fjrfestingum,endurtryggingaviWskiptum ( ogsamningumumkostnaWarskiptingu.  'a( y VtryggingaflgskuluhafatilstaWarviWeigandihttustUringarferla,innraeftirlitskerfi  semfelursrreiWanlegaupplUsingagjfogb;khaldsferlatilaWgreina,mlaogstUra a viWskiptumsamrmiviW3.mgr.rlegaskuluvtryggingaflgskilaFjrmlaeftirlitinu T, skUrsluumslkviWskiptiogYferlaogkerfisemnotkunerueftirnnarikvrWunYess.Su  viWskiptinviWfyrirtkieWaeinstaklingaWrumrkjumferumsamstarfeftirlitsstj;rnvalda  eftiralYj;Wasamningumsem0slanderaWiliaWogsamstarfssamningumsemFjrmlaeftirlitiW   gerirgrundvelliYeirra.  X  y HafivtryggingaflagheimildrsreikningaskrrtilaWfrab;khaldsittogsemja K #  rsreikningsinnerlendumgjaldmiWliskalYaWsendaFjrmlaeftirlitinuupplUsingarum    fjrhagslegatriWi,sbr.59.gr.,umreiknaWarslenskarkr;nur.     y FjrmlaeftirlitiWgeturkrafisthverskonargagnaogupplUsingafrd;tturfyrirtkjumeWa   hlutdeildarfyrirtkjumeWaWrumaWilumsemteljastnnumtengslumviWvtryggingaflag, wO  endateljiFjrmlaeftirlitiWupplUsingarnarnauWsynlegareftirlitisnumeW B  vtryggingaflaginu.    @vv&`64.gr. {   y FjrmlaeftirlitiWhefureftirlitmeWaWfjrmlasamsteypurfariaWkvWumlagaYessara. nF FjrmlaeftirlitiWseturnnarireglurumtilgreiningufjrmlasamsteypumogeftirlitmeW 9 Yeim.FjrmlaeftirlitiWgeturogsettalmennarreglurumtilhguninnraeftirlits  fjrmlasamsteypum.FjrmlaeftirlitiWgeturaW;skeftirlitsstj;rnvaldaWrurkistaWreynt  upplUsingarfraWilumhrlandisemfallaundireftirlitmeWfjrmlasamsteypum. r ViWkomandieftirlitsstj;rnvldumerheimiltaWtakaYttvinnuviWaWstaWreynaslkar e= upplUsingar. 0 @vv&`65.gr.   y FjrmlaeftirlitiWskal,eftirYvsemkosturer,fylgjastmeWvtryggingaskilmlumsem i boWieruhrlandioggtaYessaWYeirsusamrmiviWlgsemhrgildaogg;Wa \4 viWskiptahtti.TeljiFjrmlaeftirlitiWaWsvosekkiskalYaWgerakrfuumaWslkum ' kvWumverWibreytteWaYauverWiafnumin.SkylteraWsendaFjrmlaeftirlitinuskilmla  lgboWinnavtrygginga,svoogbreytingarYeimWurenYeireruboWnir  vtryggingamarkaWi. `   y FjrmlaeftirlitiWhefureftirlitmeWiWgjaldagrundvellivtryggingameWYaWfyriraugum S+! aWiWgjld,semboWieruhrlandi,susamrmiviWYhttusemvtryggingumfelst " ogeWlileganrekstrarkostnaW.Fullngjandiggnumreiknigrundvlllftryggingaog # heilsutrygginga,svoogbreytingarYeim,skulusendFjrmlaeftirlitinuWurenYessir  $ greinaflokkareruboWnirvtryggingamarkaWi. !W%  y Flgsemfstarfsleyfiskv.73.gr.skulusendaFjrmlaeftirlitinuupplUsingarskv.1.og J""& 2.mgr.,aukskilmlaogiWgjaldagrundvallarannarravtryggingagreina. #'  y FjrmlaeftirlitiWhefureftirlitmeWviWskiptahttumvtryggingaflagasemfengiWhafa #( starfsleyfihrlandi,slustarfsemiYeirraogtj;nsuppgjri.EinnigskalFjrmlaeftirlitiW $ ) hafaeftirlitmeWrekstrarfyrirkomulagi,b;khaldi,innraeftirlitioghttustUringu v%N!* vtryggingaflaga.FjrmlaeftirlitiWskalgeraYrkannanirsemYaWtelurnauWsynlegar A&"+ Yessuefnihjvtryggingaflgum.XaWskaleinnigaWYessuleytifylgjastmeWstarfsemi  '", vtryggingaflagaaWildarrkjasemgrundvellistarfsleyfisheimarkisfheimildtilaWbj;Wa '#- vtryggingarhrlandiogkomaframfriathugasemdumviWhlutaWeigandiflageWa (z$. eftirlitsstj;rnvldheimarkisefmeWYarftilrb;tavegnaYesssemFjrmlaeftirlitiWtelur ( aWrskeiWishafifariW.    IX.KAFLI a  Starfsemierlendravtryggingaflagahrlandi.  T, 66.gr.  ErlendvtryggingaflgmeWaWalstWvaraWildarrki.  2 y ErlendvtryggingaflgmeWaWalstWvaraWildarrkisemhlotiWhafastarfsleyfi   hlutaWeigandieftirlitsstj;rnvaldagetastofnsetttibhrlandiendasYeimheimiltaWreka  X vtryggingastarfsemismugreinaflokkumvtryggingaogvtryggingagreinumheimarki K #  snu.     y :skifrumtryggingaflageftiraWstofnatibhrlandi,sbr.8.gr.,skalFjrmlaeftirlitiW    aflaeftirfarandiupplUsingaoggagnahjeftirlitsstj;rnvldumheimarkis:   ! ! 4ABCD(%00*"A0J"  A0J6 y2%  1  .3  Ԉ0    tlunarumfyrirhugaWastarfsemiogskipulagtibsinshrlandiogstaWfestingar wO  YessaWflagiWhafistarfsleyfiYeimgreinaflokkumvtryggingaogvtryggingagreinum B  semfyrirhugaWeraWrekahrlandi.A0J66݌     Ќ  "A0J"  A0J8 y2%  2  .3  Ԉ0    HeimilisfangstibsinsYarsemskipaWurfulltriflagsinshefuraWseturoggagnaer   aflaWumstarfseminaogllggnerusendtil.A0J88݌{    Ќ  "A0J"  A0J-: y2%  3  .3  Ԉ0    NafnsskipaWsfulltratibsinssemhefurheimildtilaWskuldbindaflagiWgagnvart nF YriWjaaWilaogkemurframfyrirYesshndgagnvartd;mst;lumhrlandi.A0J-:Z:݌9   Ќ  "A0J"  A0J; y2%  4  .3  Ԉ0    &  StaWfestingaraWildaWAlYj;WlegumbifreiWatryggingum0slandisf.ogYtttku  starfsemitj;nsuppgjrsmiWstWvarog'q<upplUsingamiWstWvarsamkvmtumferWarlgum  ss;ttumleyfiskv.10.tlul.1.mgr.21.gr.JafnframtskalupplUstum r tj;nsuppgjrsfulltrahverjuaWildarrkiutan0slands.A0J;<݌e=   Ќ  "A0J"  A0Jx> y2%  5  .3  Ԉ0    VottorWseftirlitsstj;rnvaldaumaWskilyrWiumgjaldYolvegnastarfsemiflagsinsheild 0 suuppfylltogathugasemdavegnafyrirhugaWrarstarfsemiefeinhverjareru.A0Jx>>݌   Ќ  "A0J"  A0J!@ y2%  6  .3  Ԉ0    VtryggingaskilmlalgboWinnavtryggingasemtibiWhyggstrekahrlandiog,  YegarviW,tknilegsgrundvallarlftryggingaogheilsutrygginga.A0J!@N@݌i   Ќ   y WurentibfrumtryggingaflagshefurstarfsemihrlandiskalFjrmlaeftirlitiW \4 upplUsaeftirlitsstj;rnvldheimarkisumalmennskilyrWi,efeinhvereru,semum ' vtryggingastarfsemitibsinseigaaWgildahrlandiogumkvWiervarWaalmannaheill.   y FjrmlaeftirlitiWskalinnantveggjamnaWafrYvaWframangreindggnhafaborist  tilkynnaaWflaginusheimiltaWsetjastofntibiWogmYaWaWYvbnuhefjastarfsemi. `   y AllarbreytingarvarWandi1.!4.tlul.og6.tlul.2.mgr.skalflagiWtilkynna S+! FjrmlaeftirlitinuskriflegameWa.m.k.einsmnaWarfyrirvara. " @vv&`67.gr.  $  y ErlendvtryggingaflgmeWaWalstWvaraWildarrkisemhlotiWhafastarfsleyfi !W% eftirlitsstj;rnvaldagetaveittYj;nustuhrlandinstarfsstWvarendasYeimheimiltaW J""& rekavtryggingastarfsemismugreinaflokkumvtryggingaogvtryggingagreinum #' heimarkisnu. #(  y :skifrumtryggingaflageftiraWveitaYj;nustuhrlandinstarfsstWvarskal $ ) FjrmlaeftirlitiWaflaeftirfarandiupplUsingaoggagnahjeftirlitsstj;rnvldumheimarkis: v%N!* ! ! 4ABCD(%004ABCD"A0J"  A0J[H y2%  1  .3  Ԉ0    VottorWseftirlitsstj;rnvaldaumaWskilyrWiumgjaldYolvegnastarfsemiflagsinsheild A&"+ suuppfyllt.A0J[HH݌ '",   Ќ  "A0J"  A0JI y2%  2  .3  Ԉ0    SkrryfirYgreinaflokkavtryggingaogvtryggingagreinarsemflagiWhefurleyfitil '#- aWreka.A0JII݌(z$.   Ќ  "A0J"  A0JK y2%  3  .3  Ԉ0    SkrryfirYrtegundirhttusemflagiWhyggstvtryggjahrlandi.A0JKIK݌(   Ќ  "A0J"  A0JFL y2%  4  .3  Ԉ0    StaWfestingaraWildaWAlYj;WlegumbifreiWatryggingum0slandisf.ogYtttku  starfsemitj;nsuppgjrsmiWstWvarogupplUsingamiWstWvarsamkvmtumferWarlgum  ss;ttumleyfiskv.10.tlul.1.mgr.21.gr.JafnframtskalupplUstum a tj;nsuppgjrsfulltrahverjuaWildarrkiutan0slands.A0JFLsL݌T,   Ќ  "A0J"  A0JN y2%  5  .3  Ԉ0    SUnishornavtryggingaskilmlalgboWinnavtryggingasemflagiWhyggstrekahr  landiog,YegarviW,tknilegsgrundvallarlftryggingaogheilsutrygginga.A0JNN݌   Ќ   y FlagiWmveitaYj;nustuhrlandiYegarFjrmlaeftirlitiWhefurtilkynntaWllggn   skv.2.mgr.hafiboristeftirlitinu.  X  y AllarbreytingarvarWandi2.!5.tlul.2.mgr.skalflagiWtilkynnaFjrmlaeftirlitinumeW K #  a.m.k.einsmnaWarfyrirvara.     y Flag,semveitirYj;nustunstarfsstWvarskv.10.tlul.1.mgr.21.gr.,skalsjtilYess    aWYeirsemkrfueigab;tumvegnatj;nshrlandisuekkilakarsettirenaWrirvegna   YessaWstarfsstWerekkifyrirhendi.Fulltriskv.4.tlul.2.mgr.skalaflaallra wO  nauWsynlegragagnavegnatj;nsoghafaallarheimildirtilaWgreiWabturogkomaframfyrir B  hndflagsinshrlandi.HonumskaleinnigskyltaWveitalgbrumaWilumhrlandi    upplUsingarumhvortlgmltarkutkjatryggingarsufyrirhendiogumgildistma.   @vv&`& a 68.gr. nF  y Eftirlitsstj;rnvldumaWildarrkjaeWafulltrumsemYautilnefnaerheimilt,eftiraWhafa 9 tilkynntYaW'anTFjrmlaeftirlitinu,aWgeravettvangskannanirhjvtryggingaflgum,semYau  hafaveittstarfsleyfioghrrekastarfsemi,semnauWsynlegarerutilYessaWunntsaW  framfylgjalgmltueftirlitimeWstarfsemitibaaWildarrkjahrlandi.FjrmlaeftirlitiW r hefurheimildtilaWtakaYttYessumknnunum.KostnaWurvegnaYessagreiWistaf e= eftirlitsstj;rnvldumheimarkis. 0 @vv&`69.gr.   y FjrmlaeftirlitiWskalveitaeftirlitsstj;rnvldumhlutaWeigandiheimarkjaupplUsingarum i starfsemitibahrlanditilaWYaugetilagtheildarmatgjaldYolvtryggingaflagasem \4 hrstarfaogeruundireftirlitiYeirra. '  y FjrmlaeftirlitiWgeturgripiWtilallrarWstafanasemnauWsynlegarerutilaWtryggja  hagsmunivtryggingartakaogvtryggWrauppfylliflagiWekkitilskilinskilyrWiumgjaldYol  eWavtryggingaskuldina.XaWskal,YegarYrfkrefur,gerarWstafanirtilaWbannaflaginu `  frjlsarWstfuneignasemeraWfinnahrlandieWatakmarkahanasamrmiviWkvWi S+! gildandilagaYaraWltandiaWhfWusamrWiviWeftirlitsstj;rnvldheimarkisefkosturer. "  y FjrmlaeftirlitiWgeturbannaWerlenduvtryggingaflagisemhrrekurtibeWaveitir # Yj;nustuaWstarfaframefYaWmeWgr;fumhttiogtrekaWbrUturkvWilagaYessaraeWa  $ reglugerWasettrasamkvmtYeimeWakvWiannarralagasemeigaviWum !W% fjrmlastarfsemiogekkihefurveriWunntmeWkrfumeWaaWgerWumsamkvmtYessum J""& lgumaWfrYvbttsemrskeiWishefurfariW. #' @vv&`70.gr. $ )  y :skivtryggingaflag,semhrrekurtibeWaveitirYj;nustu,eftirYvaWflytja v%N!* vtryggingastofnsinnaWnokkrueWalluleytitilannarsflagssemhefurstarfsstW A&"+ Evr;pskaefnahagssvWinugetaeftirlitsstj;rnvldheimarkishinsfyrrnefndaheimilaW  '", flutningstofnsinsaWfenginnistaWfestingueftirlitsstj;rnvaldaheimarkishinssWarnefndaum '#- aWtilskildarkrfurumgjaldYolsuuppfylltaraWlokinniyfirtkustofnsinsogaWhfWu (z$. samrWiviWFjrmlaeftirlitiW.XegarvtryggingarhttanerhrlandiYarfvalltsamYykki ( FjrmlaeftirlitsinstilaWflutningurinngetittsrstaW.kvWi2.mgr.82.gr.gildaum  opinberartilkynningarvegnavtryggingastofnssemflutturerYegarvtryggingarhttaner  hr. a  y Umrttindiogskyldurvtryggingartaka,vtryggWraogannarrasamkvmt T, vtryggingarsamningumfrumtryggingaflagaferskv.4.mgr.82.gr.   y FjrmlaeftirlitiWskalltatlitsittinnanYriggjamnaWafrYvaWbeiWnium  flutninginnbarst,ellaskallitiWsvoaWafstaWaYesstilflutningsinssjkvW.   @vv&`71.gr. K #   y Afturkallieftirlitsstj;rnvldheimarkisstarfsleyfiflagssemhefurtibeWaveitir    Yj;nustuhrlandiskalFjrmlaeftirlitiWaWfenginnitilkynninguYarumgeraviWeigandi    rWstafanirtilaWkomavegfyriraWflagiWstofnitilfrekarivtryggingarsamningahr   landi.SkalhaftsamstarfviWhlutaWeigandieftirlitsstj;rnvldYvskyniaWtryggjahagsmuni wO  vtryggingartakaogvtryggWrasvosemkosturerogeigakvWi69.gr.viWumtakmrkun B  eWabannviWfrjlsrirWstfuneignaYegarnauWsynkrefur.    @vv&`& a 72.gr. {   y Vtryggingaflag,semhrrekurtibeWaveitirYj;nustu,skaltilkynnatil nF vtryggingaflagaskrrallar'agbreytingarYeimatriWumsemkveWiWerum30.gr.ogviW 9 getatt.SgerWnUrekstrartlunskv.25.gr.skalhneinnigsend.   y FjrmlaeftirlitiWgeturgertkrfuumaWllggn,semberaWsendaeftirlitinuvegna  starfseminnarhrlandi,suslenskuYUWingulggiltsskjalaYUWanda. r   73.gr. 0 ErlendvtryggingaflghrlandimeWaWalstWvar  utanEvr;pskaefnahagssvWisins.  i y ErlendvtryggingaflgmeWaWalstWvarutanaWildarrkissemleyfihafatilaWreka i vtryggingastarfsemiheimalandisnugetafengiWleyfiFjrmlaeftirlitsinstilaWreka \4 starfsemitibihrlandisamrmiviWlgYessiendahafislenskvtryggingaflgekki ' lakarirttheimalandiYeirra.   y WurenvtryggingaflgmeWaWalstWvarutanaWildarrkisfstarfsleyfihrlandiskulu  aWilaraWsamningnumumEvr;pskaefnahagssvWiWhafasamrWumleyfisveitinguna. `   y FlagiWskalskrWhrlandiogYaWskaltilnefnaeinnaWalumboWsmannsem S+! FjrmlaeftirlitiWsamYykkirerkomiframfyrirYesshndmlefnumervarWastarfsemina " oghafiheimildtilaWskuldbindaflagiWvegnastarfsemiYesshrlandi.Hannskalvera # bsetturhrlandi,veralgrWa,hafa;flekkaWmannorWogmekkisWustufimmrum  $ hafaveriWrskurWaWurgjaldYrotaeWatengslumviWatvinnureksturhlotiWd;mfyrir !W% refsiverWanverknaWsamkvmtalmennumhegningarlgumeWalgumumhlutaflg, J""& einkahlutaflg,b;khald,rsreikninga,gjaldYroteWaopinbergjld,svooglggjfum #' vtryggingastarfsemi. #(  y FlagiWskalhafavarnarYinghrlandiaWYvervarWarstarfsemiYesshrogm $ ) lgskjaYaWfyrird;mst;lum0slanditilfullnustukrfumsemstofnasthafavegna v%N!* starfseminnar. A&"+  y B;khaldsggnognnurggnviWvkjandistarfsemitibsinsskuluvarWveitttibinu  '", sjlfu. '#-  y kveWammeWsamningumviWeitteWafleiriYriWjurkiaWbeitaWrumkvWumum (z$. eftirlitmeWstarfsemitibsinsensegirlgumYessumaWYvtilskilduaWhinumvtryggWu ( stryggWngilegogsambrilegvernd.Ekkimslkumsamningumveitatibumflaga  meWaWalstWvarutanaWildarrkjarUmriskilyrWientibumvtryggingaflagameW  aWalstWvarYar.SamrWskalhaftviWnnuraWildarrkiumsamningaafYessutagiogYau a upplUstumYWurenYeirerugerWir. T, @vv&`74.gr.   y Ums;knumstarfsleyfiogumskrninguvtryggingaflagaskrskalsend   Fjrmlaeftirlitinuogggnskv.19.!25.gr.skulufylgjaums;kneftirYvsemviWgeturtt  X ognauWsynlegerutilYessaWYaWgetimetiWums;knina.SUnishornvtryggingaskilmlaog K #  iWgjaldagrundvallarYeimgreinumsemflagiWhyggstrekahrlandiskulueinnigfylgja    ums;kn.     y FlagiWskaluppfyllaskilyrWiV.kaflaumfjrhagsgrundvllermiWastviWstarfsemiYess   hreftirYvsemviW,Y;YannigaWgjaldYolYessnemialdreiminnaenhelmingiviWeigandi wO  fjrhWarskv.34.gr.SkalflagiWhafahrlandifjrmuniernemahelmingifjrhWarinnar B  skv.34.gr.eWaYriWjungilgmarksgjaldYols,hvortsemhrraer,enfjrmunirYarumfram    uppaWlgmarksgjaldYoliskuluvarWveittiraWildarrki.SameiginlegteftirliteinsaWildarrkis   meWgjaldYolifyrirlltibflagsinsaWildarrkjumgeturkomiWstaWYeirraraWferWarsem {  lUsterYessarimlsgreinogskalfyrirkomulageftirlitsverasamrmiviWsamstarfssamning nF aWildarrkja.GildaYkvWi68.gr.umeftirlitmeWgjaldYolitibannaeftirYvsemviW. 9  y FjrhWsamsvarandifj;rWungiYesslgmarkssemkrafister34.gr.skallgWframsem  geymslufupphafiogvarWveittstaWsemFjrmlaeftirlitiWsamYykkir.GeymslufWskal  einungisnotaWtilaWtryggjaaWflagiWgetistaWiWviWskuldbindingarsnarvegnagerWra r vtryggingarsamningahrlandi.EinstakirvtryggWir,eWaaWrirrtthafarsamkvmt e= vtryggingarsamningi,getaekkigertkrfuumfullnustugreiWslunemaaWYvmarkisemYaW 0 aWmatiFjrmlaeftirlitsinsskerWirekkirttannarravtryggWra,eWartthafa,tilfullnustu  vtryggingaskuldbindingumflagsins.   y FlagiWskalvaxtahrlandifjrmuniersamsvaravtryggingaskuldYessvegna i starfseminnarhreinsogYrerusamkvmttreiknings-ogmatsreglumergildahrlandi. \4  y FjrmlaeftirlitiWskalupplUsaviWeigandieftirlitsstj;rnvldaWildarrkjumog ' EftirlitsstofnunEFTAumYaW,WurenafstaWaertekintilums;knarinnar,Yegard;tturflag  m;WurflagsmeWaWalstWvarYriWjarkiskirumstarfsleyfihrlandiogefaWilarWlast,  beinteWa;beint,hlutvtryggingaflagimeWstarfsleyfihrlandiYannigaWhiW `  sWarnefndaverWid;tturflaghinsfyrrnefnda. S+! @vv&`75.gr. #  y AWalumboWsmaWurskalsendaFjrmlaeftirlitinursreikninghinserlendaflags,svoog  $ rsreikningvegnastarfseminnarhrlandi,eigisWarenmnuWieftiraWYeirhafaveriW !W% samYykktirsamtrsskUrslumeWundirritunstj;rnarogritunendurskoWanda.rsreikningur J""& vegnastarfseminnarhrlandiskalberasteigisWarenYremurmnuWumeftirlok #' reikningsrs.TilskilinggnsamkvmtreglumsemFjrmlaeftirlitiWseturskulufylgja,Yar #( meWalggnskv.36.og37.gr.umYreignirsemkomaeigam;tivtryggingaskuldinni. $ ) kvWiVII.kaflagildaeftirYvsemviWgeturttumtibiW. v%N!*  y AWalumboWsmaWurskalntafartilkynnaFjrmlaeftirlitinuskriflegageri A&"+ eftirlitsstj;rnvldheimalandiflagsinsathugasemdviWstarfsemiYess,hafigreiWslustWvun  '", veriWkveWin,kvrWunveriWtekinumaWsltaflaginueWabYesstekiWtil '#- gjaldYrotaskipta. (z$. Ї@vv&`76.gr. (  y Brj;tiflagiWlgogreglugerWirumvtryggingastarfsemieWavanrkiskyldursnar  samkvmtYeimYannigaWhagsmunumvtryggingartakaogvtryggWrasstefnthttuskal  FjrmlaeftirlitiWveitaflaginutiltekinnfresttilaWgeranauWsynlegarrWstafanirtilrb;ta. a HafifullngjandirWstafanirekkiveriWgerWarinnanYessfrestsogteljiFjrmlaeftirlitiWaW T, hagsmunirvtryggingartakaogvtryggWrasuhttugetureftirlitiWtnefntnUjan  aWalumboWsmanntilaWljkaviWskiptumoguppgjrivegnastarfseminnarhrlandi.Hefur  hannYvskynileyfitilrWstfunareignumflagsinshrlandiaWYvmarkier   FjrmlaeftirlitiWheimilar.  X  y kvWiXI.ogXII.kaflagildaeftirYvsemviWgeturttumtibiW. K #  @vv&`77.gr.     y FjrmlaeftirlitiWgeturafturkallaWstarfsleyfiflagsinsuppfylliflagiWekkilengur   skilyrWifyrirstarfsleyfinueWavanrkigr;flegaskyldursnarsamkvmtlgumYessum. wO   y XegarstarfsleyfiflagserafturkallaWtekurFjrmlaeftirlitiWkvrWunumhvortYessskuli B  freistaWaWyfirfravtryggingastofninntileinseWafleirivtryggingaflagasemreka    vtryggingastarfsemihrlandieWahvortflagiWskuliannanhttreynaaWljka   skuldbindingumsnumvegnavtryggingarsamningasemgerWirhafaveriW.Xegarrekiner {  lftryggingastarfsemigeturFjrmlaeftirlitiWkveWiWaWlftryggingastofninumverWikomiW nF undirsrstakastj;rn,sbr.92.gr. 9  y ViWafturkllunstarfsleyfiflagsgeturFjrmlaeftirlitiWtakmarkaWeWabannaWflaginu  yfirrWyfirfjrmunumsnumogeignum.  @vv&`78.gr. e=  y FlagiWskalmWrvtryggingaflagaskrmissiYaWstarfsleyfiskv.77.gr.,endas 0 viWskiptumYessoguppgjriskuldbindingahrlandiaWfullulokiW.   y TilkynniflagaWYaW;skieftiraWhttastarfsemihrlandiogaWstarfsstWYessverWi  mWrvtryggingaflagaskrskalYaWYvaWeinsgertaWFjrmlaeftirlitiWltiaW i starfsstWinYurfiekkiaWstarfaframvegnaskuldbindingasemhennihvla.Samagildir \4 senginnaWalumboWsmaWurflagsinshrlandiogenginnhafiveriWtnefndurinnanfrests ' semFjrmlaeftirlitiWhefursett.GetureftirlitiWYtnefntaWalumboWsmannsamrmiviW  kvWi76.gr.   y LeysamgeymslufsemlagtertilhliWarskv.74.gr.Yfyrsterstarfsleyfiflagsinshefur `  veriWafturkallaWogflagiWgetursannaWaWstaWiWhafiveriWviWallarskuldbindingar S+! flagsinshrlandi,eWaaWfullngjanditryggingfyrirskuldbindingumhafiaWmati " FjrmlaeftirlitsinsveriWlgWfram. #   X.KAFLI !W%  ErlendstarfsemivtryggingaflagasemfengiWhafastarfsleyfihrlandi.  J""& 79.gr. #' R y FrumtryggingaflagsemfengiWhefurstarfsleyfihrlandiog;skareftiraWstarfrkja #( tibWruaWildarrkiskaltilkynnaYaWFjrmlaeftirlitinuogleggjaframeftirfarandiggn: $ ) ! ! 4ABCD(%004ABCD"A0J"  A0J y2%  1  .3  Ԉ0    HeitiogheimilisfangtibsinsYarsemskipaWurfulltriflagsinshefuraWsetur.A0J݌v%N!*   Ќ  "A0J"  A0J y2%  2  .3  Ԉ0    NafnskipaWsfulltratibsinssemhefurheimildtilaWskuldbindaflagiWgagnvart A&"+ YriWjaaWilaogkomaframYessvegumgagnvartd;mst;lumaWildarrkinu.A0J݌ '",   Ќ  "A0J"  A0J y2%  3  .3  Ԉ0    tlunumfyrirhugaWastarfsemiogskipulagtibsins.A0Jƚ݌'#-   Ќ  "A0J"  A0J y2%  4  .3  Ԉ0    SkryfirYgreinaflokkavtryggingaogvtryggingagreinarsemflagiWhyggstreka.A0Jޛ݌(z$.   Ќ  "A0J"  A0J y2%  5  .3  Ԉ0    YfirlUsinguumaWflagiWsaWiliaWlandsskrifstofuog,efviW,aWsrstkum ( byrgWarsj;WiviWkomandiaWildarrkiYegarfyrirhugaWeraWrekastarfsemiskv.10.  tlul.1.mgr.21.gr.A0J݌   Ќ   y HafiFjrmlaeftirlitiWekkiathugasemdirframaWfravarWandifyrirhugaWastarfsemi, a fjrhagsstWueWahfiogfaglegakunnttustj;rnendaeWahinsskipaWafulltratibsinsskal T, FjrmlaeftirlitiW,innanYriggjamnaWafrYvaWllframangreindggnhafaborist,senda  eftirlitsstj;rnvldumgistirkisggninsamtvottorWiumaWflagiWuppfylliskilyrWium  gjaldYolskv.31.!34.gr.eftirYvsemviW.JafnframtskalflaginusendtilkynningumaW   umrddggnhafiveriWsend.  X  y FjrmlaeftirlitiWgeturltiWhjlWaaWsendaggnskv.1.og2.mgr.hafiYaWstWutil K #  aWdragaefaaWrekstrarleguppbyggingeWafjrhagsstaWasviWhltandisemundirstaWa    fyrirhugaWrarstarfsemi.TilkynningumaWframangreindggnverWiekkisend    eftirlitsstj;rnvldumviWkomandiaWildarrkisskalsendflaginuinnanYriggjamnaWaog   stWurYesstilgreindarskriflega. wO   y FlagiWmstofnsetjatibiWoghefjastarfsemiYegarorWsendinghefurboristfr B  eftirlitsstj;rnvldumgistirkis&  eWaefenginslkorWsendinghefurboristtveimurmnuWum    eftiraWllggnskv.1.og2.mgr.hafaboristtilYeirra.' b    y AllarbreytingarvarWandiatriWi1.mgr.skalflagiWtilkynnaFjrmlaeftirlitinuog {  eftirlitsstj;rnvldumYvrkisemtibiWhefurstarfsemiskriflegameWa.m.k.einsmnaWar nF fyrirvara. 9 @vv&`80.gr.   y :skifrumtryggingaflagsemfengiWhefurstarfsleyfihrlandieftiraWveitaYj;nustu r WruaWildarrkinYessaWhafaYarstarfsstWskalflagiWtilkynnaYaWFjrmlaeftirlitinu e= samtupplUsingumumhvaWagreinaflokkumvtryggingaeWavtryggingagreinum 0 fyrirhugaWeraWveitaYj;nustu.FjrmlaeftirlitiWskalinnanmnaWarsenda  eftirlitsstj;rnvldumhlutaWeigandiaWildarrkiseftirtalinggnogskalflaginujafnframt  tilkynntaWupplUsingarnarhafiveriWsendar: i ! ! 4ABCD(%004ABCD"A0J"  A0Jک y2%  1  .3  Ԉ0    VottorWumaWgjaldYolvegnastarfsemiflagsinsheildsfullngjandi.A0Jک݌\4   Ќ  "A0J"  A0J y2%  2  .3  Ԉ0    SkryfirYgreinaflokkavtryggingaogvtryggingagreinarsemflagiWhefurleyfitil ' aWreka.A0J5݌   Ќ  "A0J"  A0Ja y2%  3  .3  Ԉ0    SkryfirgreinaflokkavtryggingaogvtryggingagreinarsemflagiWhyggstreka  aWildarrkinu.A0Ja݌`    Ќ  "A0J"  A0J y2%  4  .3  Ԉ0    YfirlUsinguumaWflagiWsaWiliaWlandsskrifstofuog,efviW,aWsrstkum S+! byrgWarsj;WiviWkomandiaWildarrkiYegarfyrirhugaWeraWveitaYj;nustuskv.10. " tlul.1.mgr.21.gr.ognafnogheimilisfangsrstaksfulltrasemannasttj;nsuppgjr # Yeirrigrein.A0J݌ $   Ќ   y FlagiWmveitaYj;nustufrYeimtmaerYaWhefurfengiWtilkynninguumaW !W% upplUsingarskv.1.mgr.hafiveriWsendarogm;ttakaYeirraveriWstaWfest. J""&  y SendiFjrmlaeftirlitiWekkiframangreindarupplUsingartilskildumtmaskalYaWgreina #' flaginufrstWumYessinnansmutmamarka. #(  y AllarbreytingarskalflagiWtilkynnaFjrmlaeftirlitinuskriflegameWa.m.k.eins $ ) mnaWarfyrirvara. v%N!* @vv&`81.gr.  '",  y Hafifrumtryggingaflag,semhefurfengiWstarfsleyfihrlandi,hyggjuaWhefja '#- starfsemirkiutanEvr;pskaefnahagssvWisinsskalYaWtilkynntFjrmlaeftirlitinufyrir (z$. framsamtlUsingufyrirhugaWristarfsemiogWrumupplUsingumsemFjrmlaeftirlitiW ( ;skareftirogtelurnauWsynlegar.   y kvWi79.og80.gr.gildaeinnigumfrumtryggingaflgmeWaWalstWvarutanEvr;pska  efnahagssvWisinssemfengiWhafastarfsleyfihrlanditilaWrekatibenhafahyggju a aWhefjastarfsemiaWildarrki.FjrmlaeftirlitiWgeturY;tekiWsrlengrifrestitilafgreiWslu T, mlaenYarerutilgreindir.SkalYaWhafasamrWviWeftirlitsstj;rnvldaWildarrkjaWuren  tekinerafstaWatilums;knarinnar.    XI.KAFLI  X  Yfirfrslavtryggingastofna.Samruniflaga.  K #  82.gr.    Yfirfrsla.    ¶ y :skifrumtryggingaflag,semfengiWhefurstarfsleyfihrlandi,eftiraWflytja   vtryggingastofnsinnaWnokkrueWalluleytitilannarsflagssemeinnighefurfengiW wO  starfsleyfihrlandiskulubWiflginsendaFjrmlaeftirlitinuums;knumfrsluna B  samtdrgumaWsamkomulagimilliflagannaogYeimggnumsemeftirlitiWtelur    nauWsynleg.FjrmlaeftirlitiWkannarums;kninameWhliWsj;nafhagbeggjaflagannaog   hvortstWastilaWtlaaWfrslangetiskaWaWvtryggingartaka,vtryggWahjflgunum {  ogaWrasemhafasrstakrahagsmunaaWgta. nF  y TeljiFjrmlaeftirlitiWaWsynjaberiumleyfitilyfirfrslunnarskalYaWntafartilkynnt 9 flgunum.AWWrumkosti,ogsumaWrWavtryggingarhttuhrlandi,sbr.10.gr.,  skalFjrmlaeftirlitiWbirtaopinberlegatilkynninguvegnayfirfrslubeiWninnarog;skaeftir  skriflegumathugasemdumvtryggingartaka,vtryggWraogannarrasemhafasrstakra r hagsmunaaWgtainnantiltekinsfrestssemeigiskalveraskemmrieneinnmnuWur. e=  y FjrmlaeftirlitiWveitirleyfitilfrslunnaraWliWnumfrestiskv.2.mgr.teljiYaW,aWteknu 0 tillititilYeirraathugasemdasemframhafakomiW,aWorWiWskuliviWyfirfrslubeiWninni.   y Rttindiogskyldurvtryggingartaka,vtryggWraogannarrasamkvmt  vtryggingarsamningumhaldasjlfkrafagildisnuviWflutninginn.Vtryggingartakargeta i sagtuppvtryggingarsamningisnumviWflagiWfrYeimdegierflutningurstofnsinssr \4 staWtilkynniYeiruppsgnskriflegainnanmnaWarfrflutningsdegi. ' @vv&`83.gr.   y FjrmlaeftirlitiWgeturheimilaWvtryggingaflagisemhrhefurfengiWstarfsleyfiog `  ;skareftiraWflytjavtryggingastofnsinnhraWnokkrueWalluleytitilannarsflagsmeW S+! starfsstWWruaWildarrkistaWfestieftirlitsstj;rnvldheimarkisYessflagssemtekurviW " stofninumaWtilskildarkrfurumgjaldYolsuuppfylltaraWteknutillititilhinsyfirfrWa # stofns.SkilyrWiervalltaWeftirlitsstj;rnvldYvaWildarrkiYarsemvtryggingarhttan  $ er,sbr.10.gr.,veitisamYykkisittfyriryfirfrslunni.kvWi82.gr.gildaumyfirfrsluna. !W%  y FjrmlaeftirlitiWgetureinnigheimilaWtibivtryggingaflagsmeWaWalstWvarutan J""& aWildarrkis,semhefurstarfsleyfihrlandi,aWflytjavtryggingastofnsinnhraWnokkru #' eWalluleytitilannarsvtryggingaflagsoggildaYeinnigkvWi82.gr.umyfirfrsluna. #(  y UmyfirfrsluvegnastofnavtryggingaflagameWaWalstWvarWruaWildarrki,semhr $ ) rekatibeWaveitaYj;nustu,fersamkvmtkvWum70.gr. v%N!* @vv&`84.gr.  '", @%`Samruni. '#-  y :skivtryggingaflgsemfengiWhafastarfsleyfihrlandieftirYvaWsamrunieigisr (z$. staWmeWyfirtkueinseWafleirivtryggingaflagameWslitumYeirra,YannigaWallareignir ( ogskuldirverWiyfirfrWaraWlluleytinYessaWtilskiptameWferWarkomi,skulullflgin  sendaFjrmlaeftirlitinuums;knsamtdrgumaWsamkomulagimilliflagaumsamrunann  ogmeWYeimggnumsemeftirlitiWtelurnauWsynleg.Samagildir;skitveWafleiri a vtryggingaflgeftirYvaWsamrunimeWstofnunnUsvtryggingaflagseigisrstaWmeW T, slitumnskiptameWferWarYannigaWallareignirogskuldirverWiyfirfrWartilhinsnUja  flags.SkilyrWisamrunaeraWleyfitilyfirfrsluvtryggingastofnasveitt,sbr.82.gr.   y & a kvWi1.mgr.eigaeinnigviWumflgskv.13.gr.sem;skaeftiraWyfirfraeignirog   skuldiraWlluleytinskiptameWferWartilvtryggingaflags.  X 'a  y HeimilamaWsamrunimeWyfirtkueWameWstofnunnUsflagsgetifariWframY;tteitt K #  eWafleiriflagasemyfirtekineru,eWalgWverWaniWur,gangistundirskiptameWferW,aWYv    tilskilduaWskostursbundinnviWflgsemhafaekkiennhafisthandaviWaWthluta    eignumsnumtileigenda.   @vv&`85.gr. B   y 0drgumaWsamkomulagiumsamruna,semfylgjaskuluums;kn,skalm.a.komafram    hverniggreiWslumerhttaWfyrirhlutiflgumsemhttavtryggingastarfsemi,hvenr   hlutirsemkunnaaWveranotaWirsemgreiWslaveitirtttilarWsogannarrarttinda,hvaWa {  rttindieigendurhlutaflagisemhttirstarfsemiWlastYvflagisemtekurviWeignum nF ogskuldum,svoogaWrarrWstafanirsemkunnaaWhafafrmeWsrbreytingarrttindum 9 eigenda.Einnigskalkomaframhvortstj;rnarmenneWaframkvmdastj;rarskulinj;ta  srstakrahlunnindaogYhverra.   y LgWskuluframstaWfestreikningsuppgjrsemsUnaeignirogskuldirhversflagsYeim r degiYegarsamrunierfyrirhugaWursamtsameiginlegriupphafsstWueftirsamrunannogm e= uppgjriWekkiverameiraensexmnaWagamaltYegarkvrWunertekinumaWsamrunieigi 0 srstaW.FjrmlaeftirlitiWgeturY;heimilaWaWmiWaWsviWrsuppgjrflagannalok  sWastareikningsrs.   y EigisamrunisrstaWmeWstofnunnUsflagsskuludrgaWnUjumsamYykktumYess i einniglgWfram.SamagildirverWigerWarbreytingarsamYykktumflaga,aWraren \4 breytingarnafni. '  y FjrmlaeftirlitiWveitirleyfitilsamrunans.StarfsleyfiflagseWaflaga,semhtta  vtryggingastarfsemi,skuluafturklluWfrYeimdegierFjrmlaeftirlitiWtiltekurogflagiW  eWaflginmWrvtryggingaflagaskr. `    XII.KAFLI "  SrstakarrWstafanir.  # 86.gr.  $ RWstafanirvegna;fullngjandigjaldYols. !W% n y Uppfyllivtryggingaflag,semfengiWhefurstarfsleyfihrlandi,ekkilgmarkskrfur J""& umgjaldYolviWrsuppgjreWaWrumtmaskalflagiWYegarstaWgeratlunumhvenr #' oghvernhttmarkinuverWinWogskaltluninlgWfyrirFjrmlaeftirlitiWsemkveWur #( hvortYrrWstafanirsemgerateljistfullngjandi.Slktlunskalekkitakatilskemmri $ ) tmaennstuYriggjareikningsraoginnihaldam.a.: v%N!* ! ! 4ABCD(%004ABCD"A0J"  A0J/ y2%  1  .3  Ԉ0    tlaWanrekstrarkostnaW,m.a.viWnverandiyfirstj;rn,ogumboWslaun.A0J/\݌A&"+   Ќ  "A0J"  A0Jd y2%  2  .3  Ԉ0    SundurliWaWatlunumtekjuroggjldfrumtryggingum,endurtryggingumsem  '", flagiWkannaWtakaaWsrogvegnaendurtryggingarverndarYess.A0Jd݌'#-   Ќ  "A0J"  A0J y2%  3  .3  Ԉ0    tlaWanefnahagsreikning.A0J!݌(z$.   Ќ  "A0J"  A0J y2%  4  .3  Ԉ0    GreinargerWumfjrmagnsemtlaWeraWmtavtryggingaskuldbindingumog ( lgmarksgjaldYoli.A0J݌   Ќ  "A0J"  A0JH y2%  5  .3  Ԉ0    RWgerWaendurtryggingarvernd.A0JHu݌   Ќ   y MeWanslktlunergildiskalhvorkigefatgjaldYolsvottorWvegnarWagerWaum a starfsemierlendis,sbr.1.mgr.79.gr.og1.mgr.80.gr.,nheimilaflaginuaWveitaviWtku T, vtryggingastofni,sbr.1.mgr.70.gr.og1.mgr.82.gr.  & a  y SgjaldYolvtryggingaflagsminnaenYriWjungurYesssemtilskiliWereWaminnaens  lgmarksfjrhWsemtilgreinderfyrirYstarfsemisemflagiWrekur,sbr.34.gr.,hvortsem   'ahrraer,skaltlunskv.1.mgr.miWaaWYvaWrttaviWfjrhagflagsinsskmmumtma  X ogskalFjrmlaeftirlitiWsetjaflaginukveWinnfrestYvefni. K #   y SvtryggingaskuldflagsvanmetinviWrsuppgjreWaWrumtmaaWmati    FjrmlaeftirlitsinseWahafifjrhagsstaWaYessmeWWrumhttiversnaWYannigaWtilskildar    krfurumgjaldYoleruekkiuppfylltarskalmeWsamahttigrpatilviWeigandirWstafana.    y SvtryggingaskuldvanmetinskalvanmatiWkomatillkkunargjaldYoli. wO   y SaWlagaWgjaldYolvtryggingaflagseWam;WurflagsYessminnaenlgmarksgjaldYol B  skv.32.!34.gr.aWviWbttrihlutdeildlgmarksgjaldYoliallrahlutdeildar-ogd;tturflaga    semeruvtryggingaflgskalvtryggingaflagiWYegarstaWgeratlunumhvenrog   hvernigmarkinuverWinWogskaltluninlgWfyrirFjrmlaeftirlitiWsemkveWurhvort {  hntelstfullngjandi.LgmarksgjaldYolhlutdeildar-ogd;tturflagaskalreiknaWsamkvmt nF tilvsuWumgreinum,jafnvelY;ttaWrarreglurgildiheimarkiYeirra. 9  y TeljiFjrmlaeftirlitiWfjrhagvtryggingaflagsverameWYeimhttiaWrttindum  vtryggingartaka,vtryggWraeWaannarrasemhafasrstakrahagsmunaaWgtasstefnt  httugeturYaWkrafisttlunareinsoggjaldYolvri;fullngjandi,sbr.1.mgr. r  y FjrmlaeftirlitiWgeturtakmarkaWeWabannaWrWstfunvtryggingaflags,semfengiW e= hefurstarfsleyfihrlandi,fjrmunumsnumogeignumsYaWliWuraWgerWumtilaW 0 komafjrhagYessrttankjl,sbr.1.!5.mgr.JafnframtgeturFjrmlaeftirlitiWtakmarkaW  eWabannaWtgfunUrravtryggingaskrteina.kvrWunYessaefnisskaltilkynna  eftirlitsstj;rnvldumaWildarrkjaeftirYvsemviW. i  y StarfiflagiWeftirtlunskv.25.gr.eWaskv.1.mgr.Yessarargreinaroghafi \4 fjrhagsstaWaflagsinsversnaWmiWaWviWYtlunskalFjrmlaeftirlitiWtakakvrWunum ' nauWsynlegarrWstafaniroggerakrfuumaWnUrekstrartluntilYriggjaraverWilgW  framefYrfer.  @vv&`87.gr. S+! @PP`Endurskipulagningfjrhags. "  y MeWendurskipulagningufjrhagsvtryggingaflagserttviWrWstfunsemfelursr # hlutund;mst;lsogertlaWaWtryggjaeWaendurreisafjrhagslegastWuvtryggingaflags  $ oghafahrifrttindiaWilaannarraenvtryggingaflagsinssjlfs.TilslkrarWstafana !W% teljastgreiWslustWvunognauWasamningar. J""&  y LgumgjaldYrotaskiptio.fl.,nr.21/1991,gildaumheimildvtryggingaflagstil #' greiWslustWvunarogtilaWleitanauWasamningsendasekkiannanvegmltlgum #( Yessum. $ )  y D;mst;llskalsjtilYessaWFjrmlaeftirlitinuverWitilkynntYegarstaWumframkomna v%N!* beiWnivtryggingaflagsumheimildtilgreiWslustWvunareWatilaWleitanauWasamnings. A&"+ FjrmlaeftirlitiWskaltilkynnaWrumeftirlitsstj;rnvldumaWildarrkjaefvtryggingaflagi  '", erveittheimildtilgreiWslustWvunareWatilaWleitanauWasamnings. '#-  y BrskurWurd;mst;lsWruaWildarrkiumendurskipulagningufjrhagsvtryggingaflags (z$. meWaWalstWvarYvaWildarrkitekurtiltibavtryggingaflagsinshrlandi. (  y TilkynnaskallnardrottnumrskurWumheimildvtryggingaflagstilgreiWslustWvunar  eWatilaWleitanauWasamningssamrmiviWkvWi13.og44.gr.lagaumgjaldYrotaskipti  o.fl. a  y 0tilkynninguskv.5.mgr.tilvtryggingartaka,vtryggWraogannarrasemeigakrfu T, vtryggingaflagvegnavtryggingarsamningaogeigalgheimili,hafafastabsetueWa  aWalstWvarWruaWildarrkiskalsrstaklegatekiWframhverhrifrskurWurumheimildtil  greiWslustWvunareWatilaWleitanauWasamningshafivtryggingarsamningogupplUsingar   umrttindiogskyldurYeirra.SkaltilkynninginveratungumliYessrkisYarsem  X viWkomandilgheimili,hefurfastabsetueWaaWalstWvar. K #   y Lnardrottnisemlgheimili,hefurfastabsetueWaaWalstWvarWruaWildarrkier    heimiltaWlUsakrfuskv.45.gr.lagaumgjaldYrotaskiptio.fl.tungumliYessrkis.    FyrirsgnkrfulUsingarskalY;veraslensku.    y UmheimildtibsvtryggingaflagsmeWaWalstWvarutanaWildarrkjatil wO  greiWslustWvunareWatilaWleitanauWasamningsfereftirslenskumlgum.HafiflagiW B  tibfleirieneinuaWildarrkiskallitiWhverttibsemsjlfstWanlgaWila.    Eftirlitsstj;rnvldskuluY;samrmaaWgerWirogYaWsamaviWumaWstoWarmennskuldara   viWgreiWslustWvunogumsj;narmennmeWnauWasamningum. {  @vv&`88.gr. 9  y 0slensklgskulugildaumendurskipulagningufjrhagsvtryggingaflagsnemaannan  vegsfyrirmltYessarigrein.   y VinnusamningurskalfaraeftirlgumYessrkissemumvinnusamninginnog r vinnusambandiWgilda. e=  y SamningurumnotkuneWakaupfasteignarskalfaraeftirlgumYessrkisYarsem 0 fasteigninerstaWsett.   y Rtturvtryggingaflagsvegnafasteignar,skipseWaflugvlarskalfaraeftirlgumYess  rkisYarsemopinberskrninghefurfariWfram. i  y HeimildvtryggingaflagstilgreiWslustWvunareWatilaWleitanauWasamningsskalekki \4 hafahrifrttveWhafavegnaeignarrttindasemeruWruaWildarrkiYegarheimildiner ' veitt.0slensklggildaY;umrttindiogskylduraWilasemltaopinberueftirlitihrlendis.   y HafivtryggingaflagkeypteignmeWeignarrttarfyrirvarahefurheimild  vtryggingaflagsinstilgreiWslustWvunareWatilaWleitanauWasamningsekkihrifrttindi `  seljandasembyggjastfyrirvaranumefeignerWruaWildarrki.Heimild S+! vtryggingaflagsinstilgreiWslustWvunareWatilaWleitanauWasamningshefurekkihrif " sluvtryggingaflagseignhafiafhendingYegarfariWframogeigninveriWWru # aWildarrkiYegarheimildinvarveitt.  $  y XrttfyrirkvWi5.og6.mgr.erheimiltaWbeitakvWumIII.kaflalagaum !W% samningsgerW,umboWog;gildalggerninga,nr.7/1936,um;gildalggerninga,nemalg J""& gistirkisheimiliekkislkt. #'  y Hafivtryggingaflagseltfasteign,skipeWaflugvlsemhWeropinberriskrningueWa #( framseljanlegverWbrfeWannurverWbrfskipulegumverWbrfamarkaWieftiraWheimild $ ) hefurveriWfengintilgreiWslustWvunareWatilaWleitanauWasamningsskululgYessrkis v%N!* YarsemeignereWaYarsemhinopinberaskrninghefurfariWframgildaumlgmti A&"+ lggerningsins.  '",  y UmhrifheimildarvtryggingaflagstilgreiWslustWvunareWatilaWleitanauWasamnings '#- mlshfWunvegnaeignareWaannarrarttindasemvtryggingaflaghefurltiWafhendifer (z$. eftirlgumYessaWildarrkisYarsemmliWvarhfWaW. (  y BrrWiYausemaWstoWarmaWurskuldaraviWgreiWslustWvunogumsj;narmaWurmeW  nauWasamningigetabeittsamkvmtslenskumlgumhafaYeirjafnframtWrum  aWildarrkjum.ViWbeitinguslkrarrWaWruaWildarrkiskalY;faraeftirlgumYess a aWildarrkiseftirYvsemviW. T, @vv&`89.gr.  @  `Afturkllunstarfsleyfis.    y SinnivtryggingaflagekkitrekuWumtilmlumFjrmlaeftirlitsinsumrWstafanirtilaW  X metafullngjandihttvtryggingaskuldsnaeWatryggjaruggavxtunfjrmunasem K #  tlaWeraWmtahenni,eWaefYaWbrUturlgogreglugerWirumstarfsemivtryggingaflaga    eWasamYykktirsemYaWstarfareftirskalFjrmlaeftirlitiW&  setjaflaginukveWinnfresttil    aWgeranauWsynlegarrbtur.' A     y HafifullngjandirWstafanirekkiveriWgerWarinnansettratmamarkagetur wO  FjrmlaeftirlitiWafturkallaWstarfsleyfiflagsins.FjrmlaeftirlitiWgeturY;veittfrekarifrest B  teljiYaWlkurbendatilaWYrrWstafanirsemflagiWhefurYegargertmuniinnanskamms    tmahafafrmeWsrtilskildarrbtur.    y EinnigmafturkallastarfsleyfinUtiflagleyfiWekkiinnant;lfmnaWafrtgfuYess {  eWahafistarfseminlegiWniWrisexmnuWieWameira. nF @vv&`90.gr.   y FjrmlaeftirlitiWskalafturkallastarfsleyfivtryggingaflagshafiflagiWekkigert  nauWsynlegarrWstafanirtilaWrttaviWfjrhagsinn,uppfylliflagiWekkilengurskilyrWi r starfsleyfiseWavanrkigr;flegaskyldursnarsamkvmtlgumogreglugerWumum e= starfsemivtryggingaflagaYannigaWhagsmunumvtryggingartakaogvtryggWrasstefnt 0 httu.   y AfturkllunstarfsleyfisskalvalltstuddtarlegumrkumogtilkynnthlutaWeigandiflagi  skriflega. i  y AfturkalliFjrmlaeftirlitiWstarfsleyfiskalYaWtilkynnaYaWeftirlitsstj;rnvldum \4 aWildarrkjaergeraskuluallarviWeigandirWstafanirtilaWkomavegfyriraWflagiWstofni ' tilnUrravtryggingaskuldbindingainnanlgsguYeirra,tibieWameWYvaWveitaYar  Yj;nustu.   y MeWhagsmunivtryggingartakaogvtryggWrafyriraugumogsamrWiviWnnur `  hlutaWeigandieftirlitsstj;rnvldskalFjrmlaeftirlitiWtakmarka,eftirYvsemnauWsyn S+! krefur,frjlsarWstfuneignaflagsinsYegarvtryggingaskuldinervanmetin,skilyrWumum " gjaldYolerekkifullngtoghttaerversnandifjrhagsstWuflagsinssekkigripiWtil # rWstafana.  $ @vv&`91.gr. J""& @$`Flagsslit. #'  y VerWistarfsleyfivtryggingaflagsafturkallaWskalFjrmlaeftirlitiWskipaYriggjamanna #( skilastj;rnflagiW.Skilastj;rntekurviWllumheimildumstj;rnarogjafnframtfallaniWur $ ) heimildirhennar.Skilastj;rnskalYegarkallasamanhluthafafundogkynnahluthfum v%N!* hvernigkomiWer. A&"+  y FjrmlaeftirlitiWskal,aWhfWusamrWiviWskilastj;rn,takakvrWunumhvortflagiW  '", skulileitastviWaWflytjavtryggingastofnsinntileinseWafleirivtryggingaflagaeWahvort '#- flagiWskulifreistaYessaWljkauppgjrivegnahansmeWWrumhtti.FjrmlaeftirlitiW (z$. getur,YegarumlftryggingaflageraWrWa,kveWiWaWlftryggingastofninnstisrstakri ( meWferWskv.92.gr.   y Skilastj;rnskalsamrWiviWFjrmlaeftirlitiWtakakvrWunumhvort;skaskuli  gjaldYrotaskiptaflaginueWahvortYaWskulirekiWfram.FjrmlaeftirlitiWgetur a takmarkaWeWabannaWrWstfunflagsyfirfjrmunumsnumoggertkrfuumaWflagiW T, verWitekiWtilgjaldYrotaskiptateljiYaWlkuraWhagsmunumvtryggingartakaog  vtryggWrasaWWrumkostistefnthttu.   y Launskilastj;rnarogkostnaWurhennarskulugreiWastafeignumhlutaWeigandi   vtryggingaflagssemkrafautanskuldaraWar.SamaviWumkostnaWvegnameWferWarkrfu  X FjrmlaeftirlitsinsumgjaldYrotaskipti.FjrmlaeftirlitiWogskilastj;rneruundanYegin K #  kvWum2.mgr.67.gr.laganr.21/1991,&  umgjaldYrotaskiptio.fl.,umaWleggjafram    tryggingutiltekinnarfjrhWarfyrirkostnaWi.' L    @vv&`92.gr. wO   y EfskipuWerskilastj;rnflagisemstundarlftryggingastarfsemiogkveWiWeraW B  lftryggingastofnYessskulistasrstakrimeWferWskalFjrmlaeftirlitiWYegarstaWtaka    snarvrslurYreignirsemmtaeigalftryggingaskuldinni,ltaendurreiknahanaog   leggjamatverWmtieigna.LjkaskalgreiWslufallinnaogtilkynntralftryggingakrafna {  samkvmtreglumsemgiltuWurenskilastj;rnvarskipuW.Lftryggingakrfursemfallatil nF tborgunarsWarmgreiWataWYvmarkierFjrmlaeftirlitiWtelurforsvaranlegtmeWtilliti 9 tileignastWu.Endurkauperu;heimilnemasemgreiWslalnumgegnveWilftryggingum  hjflaginu.   y XegaraWloknuendurmatiskv.1.mgr.skalFjrmlaeftirlitiWleitatilannarra r lftryggingaflagaumyfirtkulftryggingastofnsoglftryggingaskuldar.FjrmlaeftirlitiW e= skalmetaframkomintilboWogveljaYaWsemYaWtelurhagkvmastfyrirvtryggWa. 0 FjrmlaeftirlitiWskaltilkynnaopinberlegaumhelstuatriWitilboWsinssemYaWhefurvaliW  ogskaljafnframtauglUsteftirathugasemdumfrvtryggingartkumogvtryggWumsem  berastskuluskriflegainnaneinsmnaWarfrbirtingutilkynningarinnar.AWfengnum i athugasemdumgeturFjrmlaeftirlitiWframseltstofninnflagiYverFjrmlaeftirlitiWvaldi \4 samteignumsemmtaeigalftryggingaskuldinni,endatekurviWtakandiYviWllum ' skuldbindingumvegnalftrygginganna.   y XeirvtryggingartakareWavtryggWir,semathugasemdirhafagertogeigiviljasamYykkja  yfirfrsluna,eigarttaWfendurgreittverWmtilftryggingasinnaaWsvomikluleytisem `  hlutfallslegeignhrekkurtil. S+!  y BeristekkitilboWlftryggingastofneWakomiekkiframYautilboWerFjrmlaeftirlitiW " villmlameWskulueignirhinnavtryggWugreiddarYeimrttuhlutfalliviWverWmti # lftryggingaYeirra.  $ @vv&`93.gr. J""&  y VerWikveWiWaWbeiWastgjaldYrotaskiptalftryggingaflagigildalgum #' gjaldYrotaskiptio.fl.,nr.21/1991,sekkiannanvegmltlgumYessum. #(  y kvWi92.gr.umsrstakameWferWlftryggingastofnsinsgildaoggeturFjrmlaeftirlitiW $ ) krafistallragagnafrYrotabinusemnauWsynlegerutilaWunntsaWljkauppgjrihans v%N!* ogrWstfun.Aukopinberrartilkynningarskv.2.mgr.92.gr.skalFjrmlaeftirlitiWtilkynna A&"+ vtryggingartkum,vtryggWumogWrum,semkrfueigavtryggingaflagvegna  '", vtryggingarsamningaogeigalgheimili,hafafastabsetueWaaWalstWvarWruaWildarrki, '#- umfyrirhugaWanflutningvtryggingastofnsins.SlktilkynningskalveratungumliYess (z$. rkisYarsemviWkomandilgheimili,hefurfastabsetueWaaWalstWvar.Hafisrstk ( meWferWlftryggingastofnsveriWkveWinWurenbeiWstergjaldYrotaskiptahefurYaWekki  hrifframkvmdsamkvmtYessarigreinog92.gr.   y ViWgjaldYrotaskiptilftryggingaflagsskalhvorkiteljaeignirsemmtaeiga a lftryggingaskuldinnimeWeignumYrotabsinsnlftryggingaskuldinameWskuldumYess. T, HafiekkitekistaWljkagreiWslulftryggingakrfumeWeignumYeimsemmtaeiga  lftryggingaskuldinniferumlftryggingakrfunahendurYrotabiflagsinsskv.11.mgr.  94.gr.    y & a D;mst;llskalsjtilYessaWFjrmlaeftirlitinuverWitilkynntYegarstaWumframkomna  X krfuumgjaldYrotaskiptilftryggingaflags.FjrmlaeftirlitiWskaltilkynnaWrum K #  eftirlitsstj;rnvldumaWildarrkjaefbslksflagshefurveriWtekiWtilgjaldYrotaskipta.'a H-     y BrskurWurd;mst;lsWruaWildarrkiumaWblftryggingaflagsmeWaWalstWvarYv    rkistekiWtilgjaldYrotaskiptatekurtiltibaflagsinshrlandi.    y HeimildlftryggingaflagstilgreiWslustWvunareWanauWasamningsumleitanakemurekki wO  vegfyriraWunntsaW;skagjaldYrotaskiptaflaginu. B   y XegarblftryggingaflagshefurveriWtekiWtilgjaldYrotaskiptaskalFjrmlaeftirlitiW,    aWfengnumupplUsingumskilastj;rnarskv.91.gr.,tilkynnaopinberlegakvrWunumskipun   skilastj;rnar,innkllunvegnagjaldYrotaskiptannaogveitaopinberlegaupplUsingarum {  hvaWalggildiumgjaldYrotaskiptin.Btdrtttilkynningarinnarskaljafnframtbirta nF Stj;rnartWindumEvr;pusambandsins. 9  y Skilastj;rnskaltilkynnalnardrottnisemlgheimili,hefurfastabsetueWaaWalstWvar  WruaWildarrkiumgjaldYrotaskiptilftryggingaflags.Fyrirsgntilkynningarinnarskal  veraInnkllunvegnagjaldYrotaskipta,krfulUsingarfresturllumtungumlum r aWildarrkja. e=  y 0tilkynninguskilastj;rnarskv.8.mgr.tilvtryggingartaka,vtryggWraogannarrasem 0 krfueigaflagiWvegnalftryggingarsamningaoghafalgheimili,fastabsetueWa  aWalstWvarWruaWildarrkiskalsrstaklegatekiWframhverhrifrskurWurum  gjaldYrotaskiptihafilftryggingarsamningogupplUsingarumrttindiogskyldurYeirra. i SkaltilkynninginveratungumliYessrkisYarsemviWkomandilgheimili,hefurfasta \4 bsetueWaaWalstWvar. '  y Lnardrottnisemlgheimili,hefurfastabsetueWaaWalstWvarWruaWildarrkien  flagiWskalheimiltaWleggjaframkrfulUsingutungumliYessrkis.Fyrirsgn  krfulUsingarskalY;veraslensku. `   y Eftirlitsstj;rnvldumaWildarrkjaerheimiltaW;skaupplUsingaummeWferWYrotabs S+! lftryggingaflagshjFjrmlaeftirlitinu. "  y UmgjaldYrotaskiptitibslftryggingaflagsmeWaWalstWvarutanaWildarrkjafereftir # slenskumlgum.HafiflagiWtibfleirieneinuaWildarrkiskallitiWhverttibsem  $ sjlfstWanlgaWila.Eftirlitsstj;rnvldskuluY;samrmaaWgerWirogYaWsamaviWum !W% skilastj;rn. J""& @vv&`94.gr. #(  y VerWikveWiWaWbeiWastgjaldYrotaskiptavtryggingaflagisemrekuraWrastarfsemi $ ) enlftryggingastarfsemigildalgumgjaldYrotaskiptio.fl.sekkiannanvegmltlgum v%N!* Yessum. A&"+  y D;mst;llskalsjtilYessaWFjrmlaeftirlitinuverWitilkynntYegarstaWumframkomna  '", krfuumgjaldYrotaskiptivtryggingaflags.FjrmlaeftirlitiWskaltilkynnaWrum '#- eftirlitsstj;rnvldumaWildarrkjaefbvtryggingaflagshefurveriWtekiWtil (z$. gjaldYrotaskipta. (  y BrskurWurd;mst;lsWruaWildarrkiumaWbvtryggingaflagsmeWaWalstWvarYv  rkisemrekuraWrastarfsemienlftryggingastarfsemistekiWtilgjaldYrotaskiptatekur  einnigtiltibaflagsinshrlandi. a  y HeimildvtryggingaflagstilgreiWslustWvunareWanauWasamningskemurekkivegfyrir T, aWunntsaW;skagjaldYrotaskiptaflaginu.   y & a FjrmlaeftirlitiWskaljafnskj;ttogbiWhefurveriWtekiWtilgjaldYrotaskiptametahvort  hagsmunavtryggingartakaogvtryggWraverWibestgttmeWYvaWyfirfra   vtryggingastofnaaWlluleytieWaaWhlutatilannarseWaannarravtryggingaflaga.'a?  X  y BeristtilboWerFjrmlaeftirlitiWmeturhagkvmtfyrirvtryggingartakaogvtryggWa K #  skalYaWleggjaframtillguumflutningstofnsinsogbirtaopinberlegahelstuefnisatriWislks    samkomulags.EinnigskalauglUsaeftirathugasemdumvtryggingartakaogvtryggWraer    berastskuluskriflegainnaneinsmnaWarfrbirtingutilkynningarinnar.FjrmlaeftirlitiW   skaljafnframttilkynnavtryggingartkum,vtryggWumogWrum,semkrfueiga wO  vtryggingaflagvegnavtryggingarsamningaogeigalgheimili,hafafastabsetueWa B  aWalstWvarWruaWildarrki,umfyrirhugaWanflutningvtryggingastofnsins.Stilkynning    skalveratungumliYessrkisYarsemviWkomandilgheimili,hefurfastabsetueWa   aWalstWvar.AWteknutillititilathugasemdaskalFjrmlaeftirlitiWaWfrestinumloknumtaka {  kvrWunumhvortunntsaWyfirfravtryggingastofnaYannhttsemlagtertil. nF  y XegarbvtryggingaflagshefurveriWtekiWtilgjaldYrotaskiptaskalFjrmlaeftirlitiW, 9 aWfengnumupplUsingumskilastj;rnarskv.91.gr.,tilkynnaopinberlegakvrWunumskipun  skilastj;rnar,innkllunvegnagjaldYrotaskiptannaogupplUsingarumhvaWalggildium  gjaldYrotaskiptin.BtdrtttilkynningarinnarskaljafnframtbirtaStj;rnartWindum r Evr;pusambandsins. e=  y Skilastj;rnskaltilkynnalnardrottnisemlgheimili,hefurfastabsetueWaaWalstWvar 0 WruaWildarrkiumgjaldYrotaskiptivtryggingaflags.Fyrirsgntilkynningarinnarskal  veraInnkllunvegnagjaldYrotaskipta,krfulUsingarfresturllumtungumlum  aWildarrkja. i  y 0tilkynninguskilastj;rnarskv.8.mgr.tilvtryggingartaka,vtryggWraogannarrasem \4 krfueigavtryggingaflagvegnavtryggingarsamningaoghafalgheimili,eigafasta ' bsetueWaaWalstWvarWruaWildarrkiskalsrstaklegatekiWframhverhrifrskurWurum  gjaldYrotaskiptihafivtryggingarsamningogupplUsingarumrttindiogskyldurYeirra.  SkaltilkynninginveratungumliYessrkisYarsemviWkomandilgheimili,hefurfasta `  bsetueWaaWalstWvar. S+!  y Lnardrottnisemlgheimili,hefurfastabsetueWaaWalstWvarWruaWildarrkien " vtryggingaflagskalheimiltaWleggjaframkrfulUsingutungumliYessrkis.Fyrirsgn # krfulUsingarskalY;veraslensku.  $  y VtryggingakrfurhendurYrotabivtryggingaflagsinsskuluganganstundan !W% krfumskv.113.gr.lagaumgjaldYrotaskiptio.fl. J""&  y Eftirlitsstj;rnvldumaWildarrkjaerheimiltaW;skaupplUsingaummeWferWYrotabs #' vtryggingaflagshjFjrmlaeftirlitinu. #(  y UmgjaldYrotaskiptitibsvtryggingaflagsmeWaWalstWvarutanaWildarrkjafereftir $ ) slenskumlgum.HafiflagiWtibfleirieneinuaWildarrkiskallitiWhverttibsem v%N!* sjlfstWanlgaWila.Eftirlitsstj;rnvldskuluY;samrmaaWgerWirogYaWsamaviWum A&"+ skilastj;rn.  '", @vv&`95.gr. (z$.  y 0slensklgskulugildaumgjaldYrotaskiptivtryggingaflagsnemaannanvegsfyrir ( mltYessarigrein.   y VinnusamningurskalfaraeftirlgumYessrkissemumvinnusamninginnog  vinnusambandiWgilda. a  y &  SamningurumnotkuneWakaupfasteignarskalfaraeftirlgumYessrkisYarsem T, fasteigninerstaWsett.'TdR   y Rtturvtryggingaflagsvegnafasteignar,skipseWaflugvlarskalfaraeftirlgumYess  rkisYarsemopinberskrninghefurfariWfram.   & a  y BrskurWurumaWbvtryggingaflagsstekiWtilgjaldYrotaskiptaskalekkihafahrif  X rttveWhafavegnaeignarrttindasemvoruWruaWildarrkiYegarrskurWurinnvarkveWinn K #  'a Supp.0slensklggildaY;umrttindiogskylduraWilasemltaopinberueftirlitihrlendis.     y HafivtryggingaflagkeypteignmeWeignarrttarfyrirvarahefurrskurWurumaWb    vtryggingaflagsstekiWtilgjaldYrotaskiptaekkihrifrttindiseljandasembyggjast   fyrirvaranumefeignerWruaWildarrki.GjaldYrotvtryggingaflagshefurekkihrifslu wO  vtryggingaflagseignhafiafhendingYegarfariWframogeigninveriWWruaWildarrki B  YegarrskurWurumgjaldYrotaskiptivarkveWinnupp.     y XrttfyrirkvWi5.og6.mgr.erheimiltaWbeitakvWumIII.kaflalagaum   samningsgerW,umboWog;gildalggerninga,nr.7/1936,eWakvWumXX.kaflalagaum {  gjaldYrotaskiptio.fl.,nr.21/1991,nemalggistirkisheimiliekkislkt. nF  y Hafivtryggingaflagseltfasteign,skipeWaflugvlsemhWeropinberriskrningueWa 9 framseljanlegverWbrfeWannurverWbrfskrWskipulegumverWbrfamarkaWieftir  rskurWumaWbvtryggingaflagsskulitekiWtilgjaldYrotaskiptaskululgYessrkisYar  semeignereWaYarsemhinopinberaskrninghefurfariWframgildaumlgmti r lggerningsins. e=  y UmhrifrskurWarumaWbvtryggingaflagsskulitekiWtilgjaldYrotaskipta 0 mlshfWunvegnaeignareWaannarrarttindasemvtryggingaflaghefurltiWafhendifer  eftirlgumYessaWildarrkisYarsemmliWvarhfWaW.   y BrrWisemskilastj;rngeturbeittsamkvmtslenskumlgumhefurhnjafnframt i WrumaWildarrkjum.ViWbeitinguslkrarrWaWruaWildarrkiskalskilastj;rnY;fara \4 eftirlgumYessaWildarrkiseftirYvsemviW. ' @vv&`96.gr.   y XegartekinerkvrWunumfrjlsslitsamkvmtsamYykktumvtryggingaflagssemhr `  hefurfengiWstarfsleyfiskalflagiWleggjafyrirFjrmlaeftirlitiWgreinargerWum;uppgerWar S+! vtryggingaskuldbindingarflagsinsoghvernhtttluninsaWljkaYeim. "  y FjrmlaeftirlitiWskalmetaogtakakvrWunumhvorthagsmunumvtryggingartakaog # vtryggWrateljistbestborgiWmeWflutningivtryggingastofnstilannarseWaannarraflaga,  $ svoogYegarumlftryggingastofneraWrWahvortstofninnskulistasrstakrimeWferW,sbr. !W% 92.gr. J""&  y UmfrjlsslitvtryggingaflagsgildakvWi93.!95.gr.eftirYvsemviW. #'   XIII.KAFLI $ )  ViWurlg.  v%N!* 97.gr. A&"+ Stj;rnvaldssektir.  '", a y FjrmlaeftirlitiWgeturlagtstj;rnvaldssektirhvernYannsembrUturgegn: '#- ! ! 4ABCD(%004ABCD"A0J"  A0Jhc y2%  1  .3  Ԉ0    2.mlsl.2.mgr.1.gr.varWandileyfisskyldastarfsemi,A0Jhcc݌(z$.   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