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R  ViW8.gr.lagannabtistnUrtluliWursemverWur4.tlul.ogorWastsvo:UpplUsingarum " fyrirhugaWstarfsskipulagYarsemm.a.skalgreinafrhvernigfyrirhugaWristarfsemiverWur # sinnt,starfsstW,fyrirhuguWumfjldastarfsmanna,innraeftirlitioghttustUringu.  $   21.gr. J""& T  eftir28.gr.lagannakemurnUgrein,28.gr.a,semorWastsvosamtfyrirsgn: #'   Kvartanir. #( U  VtryggingamiWlariskal,samskiptumsnumviWviWskiptavini,tryggjaaWfyrirspurnir, $ ) kvartanirognnursambrilegerindifiskj;ta,skilvirkaogsanngjarnaafgreiWslu. v%N!*   A&"+   & a  22.gr. ( V  ViW61.gr.lagannabtistnUmlsgreinsemorWastsvo:    VerWivtryggingamiWlari,semfengiW'a(VhefurstarfsleyfiWruaWildarrki,beitturviWur  lgumskv.62.gr.eWa62.gr.d,eWaWrumviWurlgumsamkvmtslenskumlgum,skal a FjrmlaeftirlitiWtilkynnalgbrumeftirlitsaWila&  heimarkisvtryggingamiWlaransefslkt T, brotgtileitttilstarfsleyfissviptingar.'TX    23.gr.   |Y  LgYessiWlastYegargildi.  X @ #dggAthugasemdirviWlagafrumvarpYetta.#ggdZԈ     I.  Inngangur.       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FjrmlaeftirlitiWhefurorWiWvartviWkveWnavankantalgumumvtryggingastarfsemi  eftirlitisnusemYaWhefurmeWrkstuddumhttibentrWuneytinu. r   EftirlitsstofnunEFTAhefurhafiWformlegamlsmeWferWgegnslenskarkinuskumYess e= aWtaliWeraWinnleiWingtilskipunEvr;puYingsinsogrWsins2001/17/EBfr19.mars2001 0 umendurskipulagninguogslitvtryggingaflaga,semtekinvaruppEESsamninginnmeW  kvrWunsameiginleguEESnefndarinnarnr.166/2002fr6.desember2002oginnleidd  meWlgumnr.56/2010,umvtryggingastarfsemi,ogtilskipunEvr;puYingsinsogrWsins i 2002/92/EBfr9desember2002ummiWlunvtrygginga,semtekinvaruppEESsamning \4 innmeWkvrWunsameiginleguEESnefndarinnarnr.115/2003fr26.september2003,s ' b;tavant.    RWuneytinuYykirrttaWbregWastviWYessumathugasemdummeWframlagninguYessa  frumvarps. `   III.  Meginefnifrumvarpsins. "    FrumvarpinuerskipttvokaflaogfjallarI.kafliumbreytingarlgumumnr.56/2010, # umvtryggingastarfsemi,ogII.kaf_li_Ԁumbreytingarlgumnr.32/2005,ummiWlunvtrygg  $ inga. !W%   0I.kaflafrumvarpsinserlagttilaWrUmkaWarverWiheimildirumYaWhvarmegiendur J""& tryggjafrumhttuYarsemekkiYykirnauWsynlegtaWhafajafnstrangarreglurtilfellum #' YegarumeraWrWaviWskiptavinviWvtryggingaflageWavtryggingaflagsemkaupirsr #( endurtryggingu.EinniglagttilaWvtryggingaflgumsemekkihafastarfsleyfihrlandi $ ) sekkiheimiltaWmarkaWssetjasig.XereinniglagttilbannviWYvaWnnurvtrygginga v%N!* flgenYausemhafastarfsleyfi0slandigetiboWiWlgbundnarvtryggingar.LagtertilaW A&"+ settverWikvWiYarsemkveWiWerumaWtvistunYttumstarfsemivtryggingaflags  '", stilkynnttilFjrmlaeftirlitsinsogskUrtnnaraWvtryggingaflagberialltafbyrgWina '#- gagnvartvtryggingartaka.LagtertilaWtilkynnaskulitilvtryggingaskrrverWiskiptum ( framkvmdastj;ra.XerlagttilaWrUmkaWarverWiheimildirFjrmlaeftirlitsinstilaW;ska  eftirupplUsingumYegaraWiliskirumaWeignastvirkaneignarhlutogaWhfitilaWfara  meWvirkaneignarhlutskuliveraviWvarandi.LagtertilaWsettarverWiskorWurviWYtttku a stj;rnarmannameWferWeiginmla.XerfrumvarpinulagttilaWsettverWikvWiumYaW T, aWvtryggingaflgskulieftirfremstamegnistarfaeftirg;WumviWskiptahttum.Fjrmla  eftirlitinuersvogertaWtfrannarhvaWteljastg;WirviWskiptahttir.0_XII_.kaflalaganna  erusrreglurumgjaldYrotaskiptivtryggingaflagaogfrumvarpinuerulagWartilsmvgi   legarbreytingarYeimkaflatilinnleiWingartilskipun2001/17/EBumendurskipulagningu  X ogslitvtryggingaflaga.LagtertilaWskUrtverWitekiWframaWkomitilgjaldYrotaskipta K #  vtryggingaflagiYskulifaraeftirsmumlsmeWferWarreglumogefkmitilslita    meWferWarhjFjrmlaeftirlitinu.XereinniglagttilaWvtryggingaflagskulialltafgeta    sUntframeignirefnahagsreikningisemkomam;tikrfumsemeruundanvtrygginga   krfumskuldarWinni. wO    0II.kaflafrumvarpsinserlagttilaWlgaWilisemskirumstarfsleyfitilvtryggingamiWl B  unarskuliskilainnupplUsingumvarWandifyrirhugaWastarfsemi.SmukrfurerugerWartil    einstaklingasemskjaumstarfsleyfisemvtryggingamiWlararogYykirYvrttaWltaYaW   gildaumlgaWilalka.SWaritvkvWinsemlagtertilaWsettverWilgnr.32/2005,um {  miWlunvtrygginga,erutilaWinnleiWarttilegatilskipun2002/92/EBummiWlunvtrygg nF inga.LagtertilaWYeimtilfellumYegarvtryggingamiWlari,semerundireftirlitiannars 9 aWildarrkis,hefurgerstbrotlegurviWlgsvovarWaWgetirttindamissiYskuliFjrmla  eftirlitiWtilkynnaYaWlgbrumeftirlitsaWilavtryggingamiWlarans.XereinnigaWfinna  kvWisemleggurYskylduvtryggingamiWlaraaWsetjauppskipulegtinnraferlitilaW r svaraogbregWastviWYeimkvrtunumsemberast. e=  _IV_.  SamrmiviWstj;rnarskrogalYj;Wlegarskuldbindingar.     EfnifrumvarpsinskallarekkisrstakaskoWunsamrmiviWstj;rnarskr.Starfsemi  vtryggingaflagaogvtryggingamiWlarabyggistEESrttiogmeWsamYykktfrumvarpsins i erslenskarkiWaWuppfyllaskuldbindingarsnarskv.7.gr.EESsamningsinsvarWandiinn \4 leiWingufyrrgreindratilskipana. '  V.  SamrW.     ViWvinnufrumvarpinuvarhaftsamrWviWFjrmlaeftirlitiW.SamrWiWf;rframYann `  httaWfulltrarfrrWuneytinuogFjrmlaeftirlitinuhittustfundiogkynntiFjrmla S+! eftirlitiWathugasemdirsnarmeWrkstuddumhtti.SWarvorudrgaWfrumvarpinusendtil " FjrmlaeftirlitsinstilyfirlestrarogvoruYareinnigYaukvWisemkominerutilvegnaat # hugasemdaEftirlitsstofnunarEFTA.FjrmlaeftirlitiWgerWiathugasemdirviWdrginsem  $ YaWfkksendogt;krWuneytiWmiWafYeimlokadrgumfrumvarpsins. !W%  _VI_.  Mathrifum. #'    FrumvarpiWvarWarafmarkaWanhlutaaffjrmlamarkaWinum,Y.e.vtryggingamarkaWinn, #( ogtekurbWitilvtryggingaflagaogvtryggingamiWlara,semogeftirlitsFjrmlaeftirlits $ ) ins. v%N!*   RegluverkvtryggingasviWinumiWaraWYvaWtryggjatraustanogheilbrigWanrekstur A&"+ vtryggingaflagaogvtryggingamiWlara.MikiWfjrmagnferumhendurYessaraaWilaog  '", erhlutiviWskiptannalgbundinn,Y.e.salalgbundnumtryggingum.Hlutverkvtrygginga '#- flagaeraWmrguleytiflagslegtYarsemYaWmiWaraWYvaWbtatj;nsemYriWjiaWilieWa ( vtryggingartakihefurorWiWfyrir.NauWsynlegteraWlagaramminnsskUrogaWFjrmla  eftirlitinusugefnarskUrarlagaheimildirtilaWrkjaeftirlitshlutverksitt.VerWifrumvarp  YettaaWlgummunYaWstuWlaaWheilbrigWarirekstrivtryggingaflagaogaukinnineytenda a verndsviWivtrygginga. T, @ & , AthugasemdirviWeinstakargreinarfrumvarpsins.    Um1.gr   ~  MeginreglanumYaWhvarvtryggingarhttaskalverafrumtryggWkemurfram1.mgr.  X 5.gr.laganna',~semkveWurumaWvtryggingarhttaskuliverafrumtryggWhjvtrygg K #  ingaflagiaWildarrki(innanEES,SvisseWaFreyjum).XannigertryggtaWvtrygginga    flgsemberafrumtryggingarhttunauppfyllikveWnarlagakrfur.0srstkumundan    tekningartilfellumgeturFjrmlaeftirlitiWgefiWundanYgufrYessarimeginreglu1.mgr.   5.gr.laganna,sbr.3.mgr.5.gr.0ngildandilgumeruaWeinsrUmriheimildirumYaWhvar wO  endurtryggjamegifrumhttu.FjrmlaeftirlitiWgetureinniggefiWundantekningufrYv B  srstkumtilfellum,sbr.3.mgr.5.gr.EkkierutalinrktilYessaWhafaalltafjafnstrangt    matumYaWhvortundanYgasheimilogYverlagttilaWFjrmlaeftirlitiWgetiheimilaW   vtryggingaflagiaWendurtryggjafrumhttusnahjendurtryggingaflagiYriWjarki, {  endaY;ttekkiliggifyrirsamstarfssamningurviWeftirlitsstj;rnvaldYessrkis,sendur nF tryggingarverndfrumtryggingaflagsekkistefnthttu.Frumtryggingaflagsemskirum 9 slkaundanYguYarfYvaWgetasUntframaWendurtryggingaflagiWsbrttilaWendur  tryggjafrumtryggingarhttuflagsins.  @ Um2.gr. e=   0greininnierlagttilaWsettarverWireglurumhvaWtelsttilg;WraviWskiptahttaogvenja 0 vtryggingaviWskiptum.XereinniglagttilaWkveWiWverWiumaWvtryggingaflgskuli  fylgjaviWurkenndumleiWbeiningumumstj;rnarhttifyrirtkja.XereinniglagttilaWv  tryggingaflgumsgertaWbirtaopinberlegaheimasWusinninfnhluthafasemeiga5% i eWastrrihlutflaginu.SambrilegarreglureraWfinnalgumnr.161/2002,umfjrmla \4 fyrirtki.Reglurumg;WaviWskiptahttivtryggingaflagaeruundirbningihjFjrmla ' eftirlitinu.    Um3.gr. `    LagtertilaWsettverWiinnkvWisembannivtryggingaflgumsemekkierumeW S+! starfsleyfihrlandiaWmarkaWssetjasighrlandi.RkinfyrirYessarireglueruaWaWilum " sfrjlstaWleitatilYessaraaWilatilaWkaupafrjlsarvtryggingarensvtryggingaflag # meWvirkamarkaWsherferWgtiYaWjafngiltYvaWYaWstundivtryggingastarfsemihr  $ landinYessaWhafatilYesstilskilinleyfi. !W%   02.mgr.erlagttilaWvtryggingaflagisemekkihefurstarfsleyfihrlandisbannaW J""& aWseljalgbundnarvtryggingar.XettahelgastafYvaWlgbundnarvtryggingarerutil #' verndarYriWjaaWilatilfellumYegarvtryggingartakiberbyrgWtj;ni.Hrmnefnaku #( tkjatryggingar,brunatryggingarogUmisskonarstarfsbyrgWartryggingar.Tryggingarvernd $ ) YriWjaaWilafrifyrirltiWefrtturhansvritors;tturvegnaYessaWhannYyrftiaWskjartt v%N!* sinntilannarslandsogjafnvelstefnavtryggingaflagiWrurki.HrerrttaWtakafram A&"+ aWslkreglaverWurekkitalinbrj;tabgaviWEESsamninginnYarsemvtryggingaflgum  '", semhafastarfsleyfiinnanEESerheimiltaWrekavtryggingastarfsemihrlandi,sbr.66. '#- og67.gr.laganna.VtryggingaflgsemerumeWstarfsleyfiWruaWildarrkiogstunda ( starfsemi0slandierumeWvarnarYing0slandimlumsemviWkemurYeirristarfsemisem  hrferfram.    Um4.gr T,   LagtertilaWtveimurnUjumskilgreiningumverWibttviW9.gr.laganna.Skilgreining  fyrrahugtaksins,?lykilstarfsmaWur ,ersamhlj;Waskilgreininguhugtaksinslgumnr.161/  2002,umfjrmlafyrirtki.UppbyggingvtryggingaflagaerY;frbrugWinuppbyggingu   fjrmlafyrirtkja.AukhefWbundinnastj;rnendavtryggingaflagsteljasttryggingastrW  X frWingurogaWallgfrWingurtillykilstarfsmannavtryggingaflagavegnaYeirrahrifa K #  semYeirgetahaftstarfsemiflagsins.LftryggingaflgumerskyltaWtryggjasrYj;nustu    tryggingastrWfrWingsogstWusinnarvegnageturhannhaftmikilhrifkvarWanatku    ogstarfsemiflagsins,sbr.39.gr.laganna.XegarmetahvortlgfrWingurteljistaWal   lgfrWingurverWuraWltatilYesshvaWahlutverkihanngegnirinnanvtryggingaflagsins wO  oghverskonarkvrWunumhanntekurYtt.SukvarWanirnarYesseWlisaWYrhafahrif B  framhaldandistarfsemiflagsinsYerumaWallgfrWingskilningikvWisinsaWrWa.    XereinniglagttilaWhugtakiW?tvistun sskilgreintYarsem5.gr.frumvarpsinsleggur   tilnUja28.gr.asemkveWurumskylduvtryggingaflagstilaWtilkynnatilFjrmlaeftir {  litsinstvistiYaWhlutaafstarfsemisinni. nF   Um5.gr.    02.mgr.13.gr.lagannaertilvsuntilYessaWstarfsemiskv.5.tlul.1.mgr.shWleyfi  FjrmlaeftirlitsinsogaWFjrmlaeftirlitiWgetikrafistYessaWslkstarfsemisrekinsr r stkuflagi.NefndtilvsunaWvera6.tlul.1.mgr.ogYverlagttilaWYaWverWilagfrt. e=   Um6.gr.  Z    VegnaYeirrabreytingasemgerWareru54.gr.laganna15.gr.frumvarpsinserhr  gerWbreytingtilvsunYgrein3.mgr.18.gr.laganna. i   Um7.gr. ' v  0ngildandilgumerekkikveWiWumtilkynningueWasamYykkiFjrmlaeftirlitsinsef  vtryggingaflagtivistartilteknumYttumstarfsemisinni.ReynslaFjrmlaeftirlitsins  sUniraWnauWsynlegteraWeftirlitiWsupplUstsrstaklegaefvtryggingaflgtvistahluta `  afstarfsemisinni.XessvegnaerlagttilaWsettverWikvWiumtvistunsemskUrirskyldur S+! ogbyrgWvtryggingaflagskveWiYaWaWfaraYessaleiWstarfsemisinni. "   Um8.gr  $ (  030.gr.lagaumvtryggingastarfsemierupptalningYeimatriWumsemvtrygginga !W% flgumerskyltaWtilkynnatilvtryggingaskrrverWibreytingarYeim.Framkvmdastj;ri J""& erekkiYeirriupptalningu.RttYykiraWslktgildiumframkvmdastj;raYarsemhann #' gegnirmjgmikilvguhlutverkirekstriflagsins.MeWvsantilframangreindserlagter #( tilaWvtryggingaflgskulitilkynnatilvtryggingaflagaskrrYegarskiptiverWafram $ ) kvmdastj;ra. v%N!*   A&"+   &   Um9.gr. (    032.gr.lagannaerfjallaWumlgmarksgjaldYolskaWatryggingaflags.LagtertilaWfjr  hWirYrsemvsaWertilgreininnitakibreytingumhvertrsamrmiviWvsitluneyslu  verWsaWildarrkjumEvr;pskaefnahagssvWinu. a '(  Um10.gr  ɡ  LagtertilaWtmasetningunni?september2002 verWibttviWYarsemYaWerstma  setningsemvsitluviWmiWgreinarinnarmiWastviW.     Um11.gr K #    ReglugerWinsemvsaWertil2.mlsl.1.mgr.36.gr.lagannahefurekkiveriWsett.Lagt    ertilaWtilvsuninverWifelldbrottYarsemhner;samrmiviW56.gr.lagannasemkveWur    umaWrsreikningurskuliverasaminnsamrmiviWalYj;WlegareikningsskilastaWla.X   geturmlsliWurinneinnigvaldiWvandkvWumYegarkvWiummatvtryggingaskuld wO  verWakomininnalYj;WlegareikningsskilastaWla. B    & a Um12.gr     ViWgildistkulaganr.56/2010fllniWur12.tlul.39.gr.eldrilagaumvtrygginga {  starfsemi,nr.'a60/1994,semkvaWumaWtengslumviWtilkynninguumvirkaneignarhlut nF beriaWsendaFjrmlaeftirlitinu?aWrarupplUsingarsemFjrmlaeftirlitiWferframaWum 9 skjandiveitiogmliskiptaviWmathfieigendavirkraeignarhluta .0greininnierYv  lagttilaWlgfestverWiheimildfyrirFjrmlaeftirlitiW,Y;Yrengrienssemvarlgumnr.  60/1994,tilaW;skaeftirWrumupplUsingumsemFjrmlaeftirlitiWtelurnauWsynlegarog r birtiropinberlega.0gildandilgumhefurFjrmlaeftirlitiWheimildtilaW;skaeftirtarlegri e= ggnum,sbr.2.mlsl.1.mgr.42.gr.SheimildviWeftiraWFjrmlaeftirlitinuhefurborist 0 tilkynningumaWaWilihyggisteignastvirkaneignarhluteWaaukaviWhlutsinn.MeWYvaW  btaviWheimild41.gr.tilaWaflaannarraupplUsingagtiupplUsingabeiWnumgrundvelli  42.gr.fkkaWogmlsmeWferWvarWandistarfsleyfiorWiWhraWari. i   Um13.gr. ' G  LagtertilaWorWinu?daga verWiskipttfyrir?starfsdaga tilaWgtasamrmisviW1.  mgr.42.gr.laganr.161/2002,umfjrmlafyrirtki,og3.gr.tilskipunarEvr;puYingsinsog  rWsins2007/44/EBfr5.september2007umbreytingutilskipunrWsins92/49/EBEog `  tilskipunum2002/83/EB,2004/39/EB,2005/68/EBog2006/48/EBaWYvervarWarreglur S+! ummlsmeWferWogviWmiWanirvegnavarfrnismatsviWyfirtkurogaukningueignarhlut " deildarfjrmlageiranum. #   Um14.gr. !W% !  LagtertilaWsettverWikvWisemkveWurumaWhfitilaWfarameWvirkaneignarhlut J""& skuliveraviWvarandi.XettaverWuraWteljasteWlilegreglaYarsemvissarkrfurerugerWar #' tilaWilasemfermeWvirkaneignarhlut.XettaaWkomavegfyriraWaWilisemeittsinnupp #( fylltihfisskilyrWiYessaWfarameWvirkaneignarhlutenuppfyllirYauekkilengurfariY; $ ) ennmeWvirkaeignarhlutinn. v%N!*   A&"+   & a  Um15.gr. ( Ӱ  0greininnierlagttilaWorWunum?Yessarigrein verWiskipttfyrir?Yessumkafla .Ekki  erfjallaWumhfieigandavirkseignarhlutar'a(߰ԀkvWinuogYverrttaraaWvsafremur  kaflannheildsinni. a   Um16.gr.  {  LagtertilaWYremurnUjummlsgreinumverWibttviW54.gr.lagannasemfjallarum  stj;rnvtryggingaflaga.0aliWergertrWfyriraWstj;rnarmnnumverWibannaWaWhlutast   tilumeinstkviWskiptinemaumfangYeirrasmikiW.ReynslanafYvaWstj;rnarmennskipti  X srofmikiWafdaglegumrekstrivtryggingaflagahefurekkiveriWg;W.Eittafhlutverkum K #  stj;rnareraWhafaeftirlitmeWstrfumflagsinsogvristj;rninYannigaWhafaeftirlitmeW    eiginstrfumtakihnofmikinnYttdaglegumrekstriogkvarWanatkuumeinstkviW    skiptivtryggingaflagsins.     XereinnigskUrtbeturhvaWatilfellumstj;rnarmennskuliekkitakaYttkvrWunum wO  ummeWferWmls.XautilviksemYarerutalinuppvarWalltengslstj;rnarmannsviWviW B  skiptahagsmunieWafyrirtkisemhafaviWskiptahagsmuni.TeljaverWuraWeWlilegtsaWslk    hfisreglasgildi.ViWmathfistj;rnarmannatilaWtakaYtteinstkummlumergott   aWhafahfisreglurstj;rnsUslulaga,nr.37/1993,tilhliWsj;nar. {    0bogcliWerulagWartilbreytingargreininnisemmiWaaWYvaWkomavegfyrir nF krossstj;rnarsetu.TeljaverWureWlilegtaWsamieinstaklingursitjiekkistj;rnfleirieneins 9 eftirlitsskyldsaWila.0greininniereinnigfjallaWumundanYgurfrbanninuviWkross  stj;rnarsetu.    LagtertildliWaWstj;rnogframkvmdastj;raverWigertaWgeraFjrmlaeftirlitinu r viWvartummlefnisemgetahaftveruleghriffyrirframhaldandistarfsemiflagsins.0 e= ngildandilgumervsaWtilrslitahrifa,enmeWYvaWleggjatilhugtakiW?verulegaYUW 0 ingu erveriWaWrttafrekaraWtilkynningarskyldasamkvmtkvWinuverWurvirkYeim  tmapunktisemmikilshttareWa;venjulegarrWstafanirhafafariWframsemgetahaftveru  leghrifframhaldandistarfsemiflagsins.Semdmiuma_triWi_Ԁsemvirkjatilkynningar i skyldusamkvmtkvWinumnefnaeffyrirhugaWareruafskriftirsemnemakveWnuhlut \4 falliafeiginf,eflnveitingartiltengdraaWilafaraumframtiltekiWhlutfallafeiginf12 ' mnaWatmabili,afskiptivirkseigandaeWastj;rnarmanna,umframbeitinguhrifahlut  hafaeWastj;rnarfundum,fyrirhugaWararWgreiWsluro.s.frv.EkkierhgtaWsetjaneittalgilt  viWmiWYessumefnum.EfumeraWrWameiraen10%hlutfallafeiginfhlUturslkrW `  stfunaWhafaveruleghrifframhaldandistarfsemiflagsins.0sumumtilvikumgetaml S+! efnisemvarWaminnaen10%hlutfallafeiginfeinnighaftverulegaYUWingufyrirfram " haldandistarfsemiflagsinsallteftiraWstWumhverjusinni.Stj;rnogframkvmdastj;ri # berabyrgWYvaWmetahvaWamlefnigetahaftverulegaYUWingufyrirframhaldandi  $ starfsemivtryggingaflagsaWteknutillititilYesssemaWframansegir. !W%   EignarhaldsflagsviWivtryggingaerskilgreint9.tlul.9.gr.lagannasem?Fyrirtki J""& YarsemmeginstarfsemineraWeigahlutid;tturfyrirtkjumsemeruannaWhvorteingngu #' eWaaWallegavtryggingaflg .MeWhliWsj;nafYessuerlagttilaWsmureglurgildium #( stj;rnarmennslkumfyrirtkjumogstj;rnarmennvtryggingaflgum. $ )   Um17.gr. A&"+   LagtertilaWkvWi12.gr.tilskipunar2001/17/EBverWiinnleitt11.mgr.94.gr.lag  '", anna.MeWalYeirrasrreglnasemgildaumslitvtryggingaflgumerforgangsrWun '#- krafna,envtryggingaskuldinerkrafasemeinungisviWvtryggingaflgumograWast ( eftirYeimkrfumsemumgetur113.gr.lagaumgjaldYrotaskiptiogfleira,sbr.11.mgr.  94.gr.laganna.VtryggingaskuldermeWalforgangskrafnaYegarvtryggingaflgerutekin  tilgjaldYrotaskipta.0kvWinuerlgWsskyldaaWvtryggingaflaggetialltafsUntfram a aWtilsueignirm;tiYeimkrfumsemhafaforgangframyfirvtryggingaskuldina,komi T, tilgjaldYrotaskiptaflagsins.    & a Um18.gr     LagtertilaWkvWitilskipunar2001/17/EBverWiinnleittnUjagrein,96.a.Strangar  X reglureru'a umgjaldYolvtryggingaflagaoghefurFjrmlaeftirlitiWheimildirtilaWsvipta K #  vtryggingaflgstarfsleyfiogtakatilslitameWferWaruppfylliYauekkiYrkrfur,sbr.    91.!96.gr.XaukvWieruinnleiWingtilskipuninni.HinsvegarYykireinnignauWsynlegt    aWtakaframlgunumaWfylgjaeigiYeirrimlsmeWferWkomitilgjaldYrotaskiptavtrygg   ingaflagsnYessY;aWYaWhafiveriWsviptstarfsleyfi.MeginrkinfyrirslkrisrmeWferW wO  eraWtryggjahagvtryggingartakaogsjtilYessaWvtryggingaskuldflagsinsverWifrW B  meWviWeigandihttitilannarsflags.      Um19.gr. {    VegnaYeirrabreytingasemgerWareru54.gr.laganna15.gr.frumvarpsinserhrgerW nF breytingtilvsunumYgrein1.mgr.97.gr.laganna. 9   Um20.gr.    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MeWalhelstubreytingasemlagWarerutillgumnr.56/2010,umvtryggingastarfsemi, r erfyrstalagibreytingheimildFjrmlaeftirlitsinstilaWveitaundanYguvegnaendur e= tryggingarfrumhttu.0WrulagierkveWiWumaWvtryggingaflgverWaaWhafastarfs 0 leyfihrlanditilaWgetamarkaWssettsigeWaboWiWlgbundnarvtryggingar.0YriWjalagi  erulagWartilbreytingarervarWaeftirlitmeWvtryggingastarfsemiogsamskiptiviWFjrmla  eftirlitiWsvosemumtilkynningarskyldutvistunYttumstarfsemi_vtryggingarflags_ i ogbreytingarframkvmdastj;ra.0fj;rWalagiverWurFjrmlaeftirlitinuheimiltaWkrefjast \4 upplUsingaYegaraWiliskirumaWeignastvirkaneignarhlut_vtryggingarflagi_ԀaukYess ' semkrafatilslkraaWilaumhfnitilaWfarameWvirkaneignarhlutergerWviWvarandi.0  fimmtalagierulagWartilbreytingarreglumervarWagjaldYrotaskipti_vtryggingarflaga_  YannigaWkomitilgjaldYrotaskiptaskulifaraeftirsmumlsmeWferWarreglumogefkmi `  tilslitameWferWarhjFjrmlaeftirlitinu.AWlokumerlagttilaWvtryggingaflagskulialltaf S+! getasUntframeignirefnahagsreikningisemkomam;tikrfumsemeruundan_v " tryggingarkrfum_ԀskuldarWinni. #   XrbreytingarsemlagWarerutillgumummiWlunvtryggingavarWaauknaupplUs  $ ingaskylduYeirralgaWilasemskjaumstarfsleyfitilvtryggingamiWlunar.Einnigerlagt !W% tilaWYeimtilfellumsemvtryggingamiWlari,semerundireftirlitiannarsaWildarrkis,hefur J""& gerstbrotlegurviWlgsvovarWaWgetirttindamissi,skuliFjrmlaeftirlitiWtilkynnaYaWlg #' brumeftirlitsaWilavtryggingamiWlarans.XeraWfinnakvWisemleggurYskyldu_v #( tryggingarmiWlara_ԀaWsetjauppskipulegtinnraferlitilaWsvaraogbregWastviWYeimkvrtun $ ) umsemberast. v%N!*   FrumvarpiWvarWarfyrstogfremstvtryggingaflgogmiWlaraenhriffrumvarpsins A&"+ eftirlitshlutverkFjrmlaeftirlitsinsverWaaWteljast;veruleg.Xvmunlgfestingfrumvarps  '", insekkihafafrmeWsraukintgjldfyrirrkissj;W.