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B   y FlgsemstofnuWerumeWsrlgumtilaWrekavtryggingastarfsemimegarekaYessa    starfsemilgmltuflagsformiendabiYauviWsmurekstrarskilyrWiognnurflgog   uppfyllikvWiII.kafla. {  L  M  H|    H|  L  M  L  M  8.gr.H|݌ 9 Ќ   I    I>  L  M  L  M  Takmrkunmillignguvegnafrumtryggingastarfsemi.I>h݌  Ќ     y EnginnmatvinnuskynistuWlaaWYvaWhttasemerhrlandi,sbr.2.tlul.1.mgr.  6.gr.,sfrumtryggWannarsstaWarenhjvtryggingaflagisemhefurhlotiWstarfsleyfiFjr r mlaeftirlitsinseWastarfsleyfiWruaWildarrki. e= L  M  H|    H|  L  M  L  M  9.gr.H|݌  Ќ   I    IQ  L  M  L  M  Krfurumg;WaviWskiptahtti.IQ{݌  Ќ     y VtryggingastarfsemiogheimilhliWarstarfsemiskv.5.gr.skalrekinsamrmiviWeWli i legaogheilbrigWaviWskiptahttiogvenjurvtryggingaviWskiptumogmeWhagvtrygg \4 ingartakaogvtryggWrafyriraugum. 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B   y llkynningogmarkaWssetningvtryggingaflagshrlandiskalvera;heimilWrumen    YeimsemhafaleyfitilaWstundavtryggingastarfsemihrlandi.    y EinungisvtryggingaflgumsemhafaheimildtilaWstarfahrlandisamkvmtlgum {  YessumerheimiltaWseljalgbundnarvtryggingar.L  M   nF L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  K|    K|  L  M  L  M  V.KAFLIK|݌  Ќ   Jx    JxC  L  M  L  M  Stofnunvtryggingaflags.JxCm݌  Ќ   H|    H|  L  M  L  M  12.gr.H|=݌ r Ќ   I    I  L  M  L  M  Stofnunvtryggingaflags.I݌ e= Ќ     y AWWruleytiengreinirYessumkaflagildakvWiII.kaflalagaumhlutaflgumstofn 0 unvtryggingaflags.  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L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  K|    K|w   L  M  L  M  VI.KAFLIK|w  ݌ r Ќ   Jx    Jx3   L  M  L  M  Starfsleyfi.Jx3 ] ݌ e= Ќ   H|    H|   L  M  L  M  17.gr.H| ݌ 0 Ќ   I    I  L  M  L  M  Starfsleyfisveitandi.I݌  Ќ     y FjrmlaeftirlitiWveitirstarfsleyfisamkvmtlgumYessum.Vtryggingaflagierheimilt  aWhefjastarfsemiYegarYaWhefurfengiWstarfsleyfiFjrmlaeftirlitsins. i  y FjrmlaeftirlitiWskalhafasamrWviWeftirlitsstj;rnvldviWkomandiaWildarrkiviWmat \4 ums;knumstarfsleyfivtryggingaflagssemer: ' ! ! *(g004ABCD"A0J"  A0J y2g  a  .3  Ԉ0    L  M  d;tturflagfjrmlafyrirtkiseWavtryggingaflagsmeWstarfsleyfiWruaWildarrki,A0J݌   Ќ  "A0J"  A0JC y2g  b  .3  Ԉ0    L  M  d;tturflagm;WurflagsfjrmlafyrirtkiseWavtryggingaflagsmeWstarfsleyfiWru  aWildarrki,A0JCp݌`    Ќ  "A0J"  A0J y2g  c  .3  Ԉ0    L  M  undiryfirrWumaWila,einstaklingseWalgaWila,semhefurrWandistWufjrmlafyrir S+! tkieWavtryggingaflagiWruaWildarrki.A0J݌"   Ќ  L  M   y SamrWskv.2.mgr.skalsrstaklegahaftumhfihluthafaogstj;rnenda,sbr.3.mgr. # 40.gr.,6.mgr.41.gr.og61.gr.JafnframtskalhafasamrWumeftirlitmeWYvaWstarfsskil  $ yrWisuuppfyllt. !W% H|    H|  L  M  L  M  18.gr.H|݌ #' Ќ   I    Ie  L  M  L  M  SkilyrWifyrirstarfsleyfi.Ie݌ #( Ќ     y Ums;knumstarfsleyfiskalveraskrifleg.Vtryggingaflagskaluppfyllaeftirfarandiskil $ ) yrWitilaWftgefiWstarfsleyfi: v%N!* ! ! 4ABCD(%00*"A0J"  A0J y2%  1  .3  Ԉ0    L  M  TilgangurYessskaltakmarkaWurviWvtryggingastarfsemi.A0J݌A&"+   Ќ  "A0J"  A0J y2%  2  .3  Ԉ0    L  M  tlunumstarfsemiYessskv.24.gr.skalliggjafyrir.A0J݌ '",   Ќ  "A0J"  A0J y2%  3  .3  Ԉ0    L  M  ViWurkenndirgjaldYolsliWirtilaWmtaneWstumrkumlgmarksfjrmagnsskv.112.gr. 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T, WrumaWildarrkjum.A0J  ݌   Ќ  L  M   y EftirfarandiggnogupplUsingarskulufylgjaums;kn:  ! !L  M  "A0J"  A0JA# y2%  1  .3  Ԉ0    L  M  Heitiflagsins.A0JA#n#݌    Ќ  "A0J"  A0JB$ y2%  2  .3  Ԉ0    L  M  StaWfestendurritstofnsamningsogfundargerWarstofnfundarrfundargerWab;k.A0JB$o$݌ X   Ќ  "A0J"  A0J% y2%  3  .3  Ԉ0    L  M  SkryfirstofnenduroghlutafogstaWfestingYvaWYaWsinnborgaW,hverjireigi K #  virkaneignarhlutflaginuoghvemikinnoggreinargerWumnnurnintengslflags    ins.A0J%%݌     Ќ  "A0J"  A0Jm' y2%  4  .3  Ԉ0    L  M  DrgaWsamYykktum.A0Jm''݌    Ќ  "A0J"  A0Jw( y2%  5  .3  Ԉ0    L  M  GreinaflokkarvtryggingaeWavtryggingagreinarsems;tterumleyfifyrir,sbr.20.!22. wO  gr.,efumfyrirhugaWaendurtryggingastarfsemieraWrWa.A0Jw((݌B    Ќ  L  M   y kvWigreinarYessarareigaviWumums;knumstarfsleyfiflagsmeWsrstakantilgang,    ums;knumstarfsleyfiendurtryggingumogums;knumstarfsleyfitakmrkuWumendur   tryggingum,eftirYvsemviWgeturtt. {  H|    H|y+  L  M  L  M  19.gr.H|y++݌ 9 Ќ   I    I3,  L  M  L  M  StarfsleyfiflagsmeWsrstakantilgang.I3,],݌  Ќ     y FlagmeWsrstakantilganggeturstarfaWhrlandiaWfengnustarfsleyfiFjrmlaeftir  litsinsendauppfyllislktflagskilyrWireglugerWsemrWherrasetur.0reglugerWinniskulu r verakvWium: e= ! !"A0J"  A0Jj. y2%  1  .3  Ԉ0    L  M  GildissviWstarfsleyfis.A0Jj..݌0   Ќ  "A0J"  A0Jv/ y2%  2  .3  Ԉ0    L  M  LgboWinskilyrWisemskuluverallumtgefnumsamningum.A0Jv//݌   Ќ  "A0J"  A0J0 y2%  3  .3  Ԉ0    L  M  HfiYeirrasemrekaflagmeWsrstakantilgang.A0J00݌   Ќ  "A0J"  A0J1 y2%  4  .3  Ԉ0    L  M  KrfurumhfihluthafaeWavirkraeigenda.A0J11݌i   Ќ  "A0J"  A0J2 y2%  5  .3  Ԉ0    L  M  Stj;rnunarogb;khaldsaWferWir,kerfifyririnnraeftirlitogkrfurumhttustUringu.A0J23݌\4   Ќ  "A0J"  A0JH4 y2%  6  .3  Ԉ0    L  M  Reikningsskil,varfrniogtlulegarupplUsingar.A0JH4u4݌'   Ќ  "A0J"  A0Jm5 y2%  7  .3  Ԉ0    L  M  GjaldYolskrfur.A0Jm55݌   Ќ  L  M  H|    H|6  L  M  L  M  20.gr.H|66݌ `  Ќ   I    I@7  L  M  L  M  StarfsleyfiskaWatryggingum.I@7j7݌ S+! Ќ     y StarfsleyfiskaWatryggingumerbundiWviWtilteknagreinaflokkavtryggingaeWavtrygg " ingagreinarinnanYeirrasamkvmteftirfarandiskr: # ! !"A0J"  A0J9 y2%  1  .3  Ԉ0    L  M  Slysatryggingar(slys,vinnuslys,atvinnusjkd;mar):A0J9<9݌ $   Ќ  "C"  C7:0 y 0y y e2%  a  .3  Ԉ0    L  M  L  M  bturmeWfstumfjrhWum,C7:d:݌!W%   Ќ  "C"  C;0 y 0y y e2%  b  .3  Ԉ0    L  M  btureftirmatiafleiWingumtj;ns,C;;݌J""&   Ќ  "C"  C<0 y 0y y e2%  c  .3  Ԉ0    L  M  bturmeWfstumfjrhWum/btureftirmatiafleiWingumtj;ns,C<<݌#'   Ќ  "C"  C->0 y 0y y e2%  d  .3  Ԉ0    L  M  slysfarYegum.C->Z>݌#(   Ќ  L  M  "A0J"  A0Jl? y2%  2  .3  Ԉ0    L  M  Sjkratryggingar(veikindi,heilsutj;n):A0Jl??݌$ )   Ќ  L  M  "C"  C@0 y 0y y e2%  a  .3  Ԉ0    L  M  bturmeWfstumfjrhWum,C@@݌v%N!*   Ќ  "C"  CA0 y 0y y e2%  b  .3  Ԉ0    L  M  btureftirmatiafleiWingumtj;ns,CAB݌A&"+     "C"  C$C0 y 0y y e2%  c  .3  Ԉ0    L  M  bturmeWfstumfjrhWum/btureftirmatiafleiWingumtj;ns.C$CQC݌ '",   Ќ  L  M  "A0J"  A0JD y2%  3  .3  Ԉ0    L  M  & ,  Hftryggingarkutkja.Eignatj;n,Y.m.t.altj;n:A0JDD݌(   Ќ  L  M  "C"  CE0 y 0y y e2%  a  .3  Ԉ0    L  M  vlknnumkutkjumlandiWrumenjrnbrautum,CE#F݌   Ќ  "C"  CCG0 y 0y y e2%  b  .3  Ԉ0    L  M  kutkjumtilnotkunarlandiWrumenvlknnumkutkjum.CCGpG݌   Ќ  L  M  ',(ME"A0J"  A0JH y2%  4  .3  Ԉ0    L  M  Jrnbrautatryggingar.Eignatj;n,Y.m.t.altj;njrnbrautarvgnum.A0JHH݌a   Ќ  "A0J"  A0JI y2%  5  .3  Ԉ0    L  M  Hftryggingarloftfara.Eignatj;n,Y.m.t.altj;nloftfrum.A0JI,J݌T,   Ќ  "A0J"  A0J6K y2%  6  .3  Ԉ0    L  M  Hftryggingarskipaogbta.Eignatj;n,Y.m.t.altj;n:A0J6KcK݌   Ќ  L  M  "C"  C|L0 y 0y y e2%  a  .3  Ԉ0    L  M  sj;skipum,C|LL݌   Ќ  "C"  CM0 y 0y y e2%  b  .3  Ԉ0    L  M  vatnabtum,CMM݌    Ќ  "C"  CN0 y 0y y e2%  c  .3  Ԉ0    L  M  flj;taogskjabtum.CNN݌ X   Ќ  L  M  "A0J"  A0J P y2%  7  .3  Ԉ0    L  M  Flutningatryggingar.Eignatj;n,Y.m.t.altj;nvrumogfarangriflutningintillitstil K #  Yesshvernigflutter.A0J P9P݌     Ќ  "A0J"  A0JQ y2%  8  .3  Ԉ0    L  M  Eignatryggingar(bruniognttrufl).Eignatj;n,Y.m.t.altj;n,annaWenskv.3.,4.,5.,    og7.flokkivegna:A0JQQ݌    Ќ  L  M  "C"  C#S0 y 0y y e2%  a  .3  Ԉ0    L  M  elds,C#SPS݌wO    Ќ  "C"  CAT0 y 0y y e2%  b  .3  Ԉ0    L  M  sprengingar,CATnT݌B    Ќ  "C"  CfU0 y 0y y e2%  c  .3  Ԉ0    L  M  ;veWurs,CfUU݌     Ќ  "C"  CV0 y 0y y e2%  d  .3  Ԉ0    L  M  nttruaflaannarraen;veWurs,CVV݌    Ќ  "C"  CW0 y 0y y e2%  e  .3  Ԉ0    L  M  kjarnorku,CWW݌{    Ќ  "C"  CX0 y 0y y e2%  f  .3  Ԉ0    L  M  landsigs.CXY݌nF   Ќ  L  M  "A0J"  A0J$Z y2%  9  .3  Ԉ0    L  M  AWrareignatryggingar.Eignatj;n,Y.m.t.altj;n,annaWenskv.3.,4.,5.,6.og7.flokki 9 ogekkitaliW8.flokki,Y.m.t.vegnahagls,frostsogatburWasvosemYj;fnaWaro.fl.A0J$ZQZ݌   Ќ  "A0J "  A0J[ y2%  10  .3  Ԉ0    L  M  byrgWartryggingarkutkja.byrgWvegnanotkunarkutkja,Y.m.t.byrgWflutn  ingsaWila.A0J[*\݌r   Ќ  "A0J "  A0Ju] y2%  11  .3  Ԉ0    L  M  byrgWartryggingarloftfara.byrgWvegnanotkunarloftfara,Y.m.t.byrgWflutnings e= aWila.A0Ju]]݌0   Ќ  "A0J "  A0J^ y2%  12  .3  Ԉ0    L  M  byrgWartryggingarskipaogbta.byrgWvegnanotkunarsj;,vtnum,flj;tumog  skjum,Y.m.t.byrgWstj;rnanda.A0J^_݌   Ќ  "A0J "  A0J` y2%  13  .3  Ԉ0    L  M  AlmennarbyrgWartryggingar.HverskonarbyrgWnnurenskv.10.,11.og12.flokki.A0J``݌i   Ќ  "A0J "  A0Ja y2%  14  .3  Ԉ0    L  M  GreiWsluvtryggingar:A0Jaa݌\4   Ќ  L  M  "C"  Cb0 y 0y y e2%  a  .3  Ԉ0    L  M  almenngjaldYrot,Cbc݌'   Ќ  "C"  Cd0 y 0y y e2%  b  .3  Ԉ0    L  M  tflutningsln,CdFd݌   Ќ  "C"  CAe0 y 0y y e2%  c  .3  Ԉ0    L  M  afborgunarskilmlar,CAene݌   Ќ  "C"  Cnf0 y 0y y e2%  d  .3  Ԉ0    L  M  veW,Cnff݌`    Ќ  "C"  Cg0 y 0y y e2%  e  .3  Ԉ0    L  M  landbnaWarln.Cgg݌S+!   Ќ  L  M  "A0J"  A0Jh y2%  15  .3  Ԉ0    L  M  Efndavtryggingar:A0Jhh݌"   Ќ  L  M  "C"  Ci0 y 0y y e2%  a  .3  Ԉ0    L  M  beinarefndir,Cij݌#   Ќ  "C"  C k0 y 0y y e2%  b  .3  Ԉ0    L  M  ;beinarefndir.C k9k݌ $   Ќ  L  M  "A0J"  A0JKl y2%  16  .3  Ԉ0    L  M  Fjrhagslegarvtryggingar(fjrhagslegttap):A0JKlxl݌!W%   Ќ  L  M  "C"  Cm0 y 0y y e2%  a  .3  Ԉ0    L  M  atvinnuleysi,Cmm݌J""&   Ќ  "C"  Cn0 y 0y y e2%  b  .3  Ԉ0    L  M  tekjutap(almennt),Cnn݌#'   Ќ  "C"  Co0 y 0y y e2%  c  .3  Ԉ0    L  M  ;veWur,Coo݌#(   Ќ  "C"  Cp0 y 0y y e2%  d  .3  Ԉ0    L  M  batamissir,Cp$q݌$ )   Ќ  "C"  Cr0 y 0y y e2%  e  .3  Ԉ0    L  M  viWvaranditgjldvegnaalmennskostnaWar,CrIr݌v%N!*   Ќ  "C"  Cfs0 y 0y y e2%  f  .3  Ԉ0    L  M  ;fyrirsjanlegviWskiptatgjld,Cfss݌A&"+   Ќ  "C"  Ct0 y 0y y e2%  g  .3  Ԉ0    L  M  tapmarkaWsverWi,Ctt݌ '",   Ќ  "C"  Cu0 y 0y y e2%  h  .3  Ԉ0    L  M  tapleigueWahliWstWumtekjum,Cuv݌'#-   Ќ  "C"  Cw0 y 0y y e2%  i  .3  Ԉ0    L  M  annaW;beinttapviWskiptum,CwHw݌(z$.   Ќ  _"C "  Ckx0 y 0y y e2%  j  .3  Ԉ0    L  M  fjrhagslegttap,annaWenviWskiptum,Ckxx݌(   Ќ  "C "  Cy0 y 0y y e2%  k  .3  Ԉ0    L  M  aWrartegundirfjrhagslegstaps.Cyy݌   Ќ  L  M  "A0J "  A0J{ y2%  17  .3  Ԉ0    L  M  _RttaraWstoWartryggingar_.RttaraWstoWogkostnaWurviWmlarekstur.A0J{0{݌   Ќ  "A0J"  A0Jk| y2%  18  .3  Ԉ0    L  M  _FerWamannaaWstoW_.AWstoWtilhandaYeimsemlendaerfiWleikumferWalagifjarri a heimilisnueWafstuaWsetri.A0Jk||݌T,   Ќ  L  M  httusemtalinertilteknumgreinaflokkimekkiteljaWrumgreinaflokkinematil  vikumskv.3.mgr.  L  M   y Veitamstarfsleyfisameiginlegafyrireftirtalda_greinaflokka_Ԁ_skaWatrygginga_,sbr.1.mgr.:   ! !"A0J"  A0J y2%  1  .3  Ԉ0    L  M  Slysaogsjkratryggingarskv.1.og2.tlul.1.mgr.A0J݌ X   Ќ  "A0J"  A0J y2%  2  .3  Ԉ0    L  M  kutkjaog_farmtryggingar_Ԁskv.dliW1.tlul.,3.,7.og10.tlul.1.mgr.A0J݌K #    Ќ  "A0J"  A0JR y2%  3  .3  Ԉ0    L  M  Sj;og_farmtryggingar_Ԁskv.dliW1.tlul.,4.,6.,7.og12.tlul.1.mgr.A0JR݌     Ќ  "A0J"  A0J y2%  4  .3  Ԉ0    L  M  Flugog_farmtryggingar_Ԁskv.dliW1.tlul.,5.,7.og11.tlul.1.mgr.A0J݌     Ќ  "A0J"  A0J y2%  5  .3  Ԉ0    L  M  _Eignatryggingar_Ԁskv.8.og9.tlul.1.mgr.A0JA݌    Ќ  "A0J"  A0JQ y2%  6  .3  Ԉ0    L  M  byrgWartryggingarskv.10.,11.,12.og13.tlul.1.mgr.A0JQ~݌wO    Ќ  "A0J"  A0J y2%  7  .3  Ԉ0    L  M  GreiWsluog_efndavtryggingar_Ԁskv.14.og15.tlul.1.mgr.A0J݌B    Ќ  "A0J"  A0JԈ y2%  8  .3  Ԉ0    L  M  _Frumtryggingar_Ԁskv.1.!18.tlul.1.mgr.A0JԈ݌     Ќ  L  M   y Vtryggingaflagsemfrstarfsleyfi_greinaflokkum_Ԁ_frumtrygginga_Ԁskv.1.og2.mgr.   (_aWalhtta_)mfelasrhliWargrein(_aukahttu_)nsrstaksleyfisYegar: {  ! !"A0J"  A0J y2%  1  .3  Ԉ0    L  M  _Aukahttan_ԀertengslumviW_aWalhttu_.A0JՋ݌nF   Ќ  "A0J"  A0J y2%  2  .3  Ԉ0    L  M  _Aukahttan_ԀtengistYeimverWmtumsemvtryggWerusem_aWalhtta_.A0J5݌9   Ќ  "A0J"  A0J y2%  3  .3  Ԉ0    L  M  _Aukahttan_ԀervtryggWsamkvmtvtryggingarsamningium_aWalhttu_.A0J݌   Ќ  L  M   y EkkierheimiltaWteljahttu_greinaflokkum_Ԁskv.14.,15.og17.tlul.1.mgr.sem  hliWargreinWrum_greinaflokkum_ԀaWYvundanskilduaWteljamhttugreinaflokkiskv. r 17.tlul.1.mgr.semhliWargreingreinaflokkiskv.18.tlul.1.mgr.YegarskilyrWi1.tlul. e= 1.mgr.eruuppfylltog_aWalhttan_ԀtengisteinvrWunguaWstoWsemveittereinstaklingum 0 semlendaerfiWleikumferWalagiaWheimaneWafjarrifstuaWsetri._Greinaflokkur_Ԁskv.17.  tlul.1.mgr._m_ԀverahliWargreinYegarhttaneWagreiningurinntengistnotkunskipaog  bta. i  y KveWaskalumhvernigtryggjaskulihagsmunivtryggingartakagreiningsmliviWv \4 tryggingaflagiWsjlftreglugerWum_rttaraWstoWarvtryggingar_. ' H|    H|ǔ  L  M  L  M  21.gr.H|ǔ݌  Ќ   I    I  L  M  L  M  Starfsleyfilfog_heilsutryggingum_.I݌ `  Ќ     y Starfsleyfilftryggingumog_heilsutryggingum_ԀafmarkastviWtiltekna_greinaflokka_Ԁ_frum S+! trygginga_ԀeWa_vtryggingagreinar_ԀinnanYeirrasamkvmteftirfarandiskr: " ! !"A0J"  A0J y2%  1  .3  Ԉ0    L  M  httuog_sfnunarlftryggingar_Ԁn_fjrfestingarhttu_:A0J1݌#   Ќ  L  M  "C"  C0 y 0y y e2%  a  .3  Ԉ0    L  M  greiWslurlifandalfifrtilteknumaldri,C݌ $   Ќ  "C"  C͚0 y 0y y e2%  b  .3  Ԉ0    L  M  greiWslurviWandlt,C͚݌!W%   Ќ  "C"  C0 y 0y y e2%  c  .3  Ԉ0    L  M  greiWslurlifandalfifrtilteknumaldrieWaviWandltfyrr,C-݌J""&   Ќ  "C"  Cb0 y 0y y e2%  d  .3  Ԉ0    L  M  _lftryggingar_ԀmeWendurgreiWsluiWgjalda,Cb݌#'   Ќ  "C"  C̞0 y 0y y e2%  e  .3  Ԉ0    L  M  lfeyrisgreiWslur,C̞݌#(   Ќ  "C"  C0 y 0y y e2%  f  .3  Ԉ0    L  M  _viWb;targreiWslur_ԀviWlkamstj;n,YarmeWalviW_starfsorkumissi_,C&݌$ )   Ќ  "C"  C0 y 0y y e2%  g  .3  Ԉ0    L  M  _viWb;targreiWslur_ԀviWandltvegnaslyss,Cء݌v%N!*   Ќ  "C"  C0 y 0y y e2%  h  .3  Ԉ0    L  M  _viWb;targreiWslur_ԀviWrorkuvegnaslysseWasjkd;ms.CE݌A&"+   Ќ  L  M  "A0J"  A0J y2%  2  .3  Ԉ0    L  M  Hj;naog_barnalftryggingar_:A0J٤݌ '",   Ќ  L  M  "C"  C0 y 0y y e2%  a  .3  Ԉ0    L  M  _lftryggingar_Ԁtengdarstofnunhjskapar,C݌'#-   Ќ  "C"  CR0 y 0y y e2%  b  .3  Ԉ0    L  M  _lftryggingar_ԀbarnatengdarfWingu.CR݌(z$.   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Ќ  "A0J"  A0J  y2%  4  .3  Ԉ0    L  M  tluWstaWaflagsinssamkvmtefnahagsreikningilokYriggjafyrstureikningsranna " samttlunumrlegartekjuroggjld.A0J 9݌#   Ќ  "A0J"  A0J y2%  5  .3  Ԉ0    L  M  tlunumhvernigflagiWhyggstfullngjagjaldYolskrfufyrstuYrjheilureiknings  $ rin.FramskalkomameWhvaWareikniaWferWmatgjaldYolskrfuergert.A0J݌!W%   Ќ  "A0J"  A0J\ y2%  6  .3  Ԉ0    L  M  tlunumhvernigflagiWhyggstfullngjakrfuumlgmarksfjrmagnfyrstuYrj J""& heilureikningsrin.FramskalkomameWhvaWaaWferWmatlgmarksfjrmagniergert.A0J\݌#'   Ќ  L  M   y 0tlunskaWatryggingaflagatilnstuYriggjaraskalkomaframmatrekstrarkostnaWi #( ogumboWslaunumogmatiWgjldumogtj;num. $ )  y 0tlunlftryggingaflagatilnstuYriggjaraskalkomaframtlunumtekjurog v%N!* tgjldvegnafrumtryggingarogkeyptrarogseldrarendurtryggingar. 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B   y Stj;rnarmennogforstj;riskuluverafjrhagslegasjlfstWiroghafareynsluogYekkingu    semnUtiststarfinu,m.a.hafaYekkinguYeirristarfsemisemvtryggingaflagiWstundar.   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"  y XrttfyrirkvWi1.mgr.geturstj;rnarmaWureWastarfsmaWurvtryggingaflagstekiW # stistj;rnannarsvtryggingaflagseWafjrmlafyrirtkiseWafjrmlasamsteypuefum  $ eraWrWaflagsemeraWhlutaeWalluleytieiguvtryggingaflagsinseWaflagsemer !W% aWhlutaeWalluleytieiguflagsmeWyfirrWvtryggingaflaginu. J""&  y Stj;rnarsetaskv.2.mgr.skalhWYvaWhnskapiekkihttuhagsmunarekstrumfjr #' mlamarkaWiaWmatiFjrmlaeftirlitsins.0Yessusambandiskalm.a.horfttileignarhalds #( aWilaogtengslaflagsinssemumrWirviWaWraaWilafjrmlamarkaWi,svooghvorttengsl $ ) ingetiskaWaWheilbrigWanogtraustanreksturvtryggingaflagsins.Meirihlutistj;rnarmanna v%N!* skalY;valltvera;hWurflguminnansmuflagasamstWu. A&"+  y Stj;rnarformannivtryggingaflagier;heimiltaWtakaaWsrnnurstrffyrirflagiW  '", enYausemteljasteWlilegurhlutistarfahanssemstj;rnarformanns,aWundanskildumeinstk '#- umverkefnumsemstj;rnfelurhonumaWvinnafyrirsig. (z$. ЇH|    H|  L  M  L  M  43.gr.H|݌ ( Ќ   I    Ih  L  M  L  M  AWalfundurvtryggingaflags.Ih݌  Ќ     y Stj;rnboWartilaWalfundar.SekkiboWaWtilaWalfundarsamrmiviWlg,samYykktir  eWakvrWunaWalfundarboWarFjrmlaeftirlitiWtilhansaWkrfustj;rnarmanns,forstj;ra, a endurskoWandaeWaaWilasematkvWisbreraWalfundi.FjrmlaeftirlitiWtilnefnirfundar T, stj;raogskalstj;rninafhendahonumskryfirYsematkvWisbrireru,gerWab;kaWal  fundaogendurskoWunarb;k.FlagiWgreiWirkostnaWviWaWalfundinn.  H|    H|  L  M  L  M  & , 44.gr.H|݌  X Ќ   I    I  L  M  L  M  httustUring.I݌ K #  Ќ     y 0vtryggingaflagiskalveraskilvirktkerfihttustUringarsemtekurtilstefnu,vinnslu    ogaWferWaviWupplUsingagjfsemnauWsynlegtertilaWgreina,mla,stj;rna', <oghafaeftirlit    meWogtilkynnastWugtumyfirvofandihttursemgetihafthrifstarfsemiflagsinsog   umvxltengslmilliYeirra. wO   y VtryggingaflagskalskipuleggjastarfssviWhttustUringarmeWYeimhttiaWYaWni B  markmiWumsnum.     y httustUringskalveraskilvirkogvelsamYttskipulagiogkvarWanatkuvtrygginga   flagsoghfWaWleiWarlj;sistarfistj;rnar,forstj;raogYeirrasemberabyrgWlykilstarfs {  sviWumflagsins. nF  y httustUringskalnyfirYhttuYttisemnotaWirerutreikningigjaldYolskrfu 9 skv.97.gr.semoghttuYttisemekkieruaWlluleytihlutiafYeimtreikningum.   y httustUringskalhiWminnstatakatileftirfarandiYtta:  ! ! *(g004ABCD"A0J"  A0J% y2g  a  .3  Ԉ0    L  M  httutkuvegnasluvtryggingaogmeWhndlunartj;na,A0J%R݌r   Ќ  "A0J"  A0JS y2g  b  .3  Ԉ0    L  M  eignaogskuldastUringar,A0JS݌e=   Ќ  "A0J"  A0Ja y2g  c  .3  Ԉ0    L  M  fjrfestingarhttu,srstaklegaafleiWna,A0Ja݌0   Ќ  "A0J"  A0J y2g  d  .3  Ԉ0    L  M  lausafjrhttuogsamYjppunarhttu,A0J݌   Ќ  "A0J"  A0J y2g  e  .3  Ԉ0    L  M  rekstrarhttu,A0J݌   Ќ  "A0J"  A0J y2g  f  .3  Ԉ0    L  M  endurtryggingaogannarrahttuvarna.A0J݌i   Ќ  L  M   y 0stefnustj;rnarumhttustUringuskv.39.gr.skalfjallaWumhvernhttuYttskv. \4 5.mgr. '  y VtryggingaflagskalsUnaframaWfjrfestingarhttaYessssamrmiviWlgYessi.   y NotivtryggingaflaglnshfismatlnshfismatsstofnunarviWtreikningvtrygginga  skuldoggjaldYolskrfuskalYaWverahlutiafhttustUringuflagsinsaWmetahvortlns `  hfismatiWeigiviWmeWYvaWnotaaWraraWferWirviWmatiWverWiYvviWkomiWYvskyni S+! aWdragarsjlfvirkumhrifumutanaWkomandimats. "  y FjrmlaeftirlitiWseturreglurumaWferWirsemfylgjaskalviWmatlnshfismatiutanaW # komandiaWila,svosemlnshfismatsstofnana,sembyggjasttknilegumframkvmda  $ stWlumEvr;pskuvtryggingaoglfeyriseftirlitsstofnunarinnar. !W%  y NotivtryggingaflageigiWlkanaWfullueWaaWhlutasemFjrmlaeftirlitiWhefursam J""& YykktskalhttustUringin: #' ! !"A0J"  A0J  y2g  a  .3  Ԉ0    L  M  hannaeigiWlkanoginnleiWaYaW,A0J :݌#(   Ќ  "A0J"  A0J, y2g  b  .3  Ԉ0    L  M  pr;faogsannreynalkaniW,A0J,Y݌$ )   Ќ  "A0J"  A0J> y2g  c  .3  Ԉ0    L  M  skrupplUsingarumlkaniWogallarbreytingarYv,A0J>k݌v%N!*   Ќ  "A0J"  A0Jn y2g  d  .3  Ԉ0    L  M  greinalkaniWogvirkniYessoggefaskUrsluumYaW,A0Jn݌A&"+   Ќ  "A0J"  A0J y2g  e  .3  Ԉ0    L  M  upplUsastj;rnflagsinsumvirknilkansins,geratillgurumumbturogupplUsaum  '", breytingarsemgerWarerulkaninutilaWbtaYveikleikasemframhafakomiW.A0J݌'#-   Ќ  L  M   (z$. 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B   y LftryggingaflagsemfellurundirundanYgukvWilagaYessaraskv.3.mgr.3.gr.skal    sjtilYessaWtryggingastrWfrWingureWasrfrWingurmeWsambrilegaYekkingutakiaW   sreftirfarandistrffyrirflagiW: {  ! ! 4ABCD(%00 *"A0J"  L  M  L  M  A0J y2%  1  .3  Ԉ0    AWfylgjastmeWYvaWfariWseftirreiknigrundvelliiWgjalda,iWgjaldasj;Wsogg;Wa nF thlutunar.A0J݌9   Ќ  "A0J"  A0JJ  y2%  2  .3  Ԉ0    L  M  AWfylgjastmeWYvaWfylgtssettumreglumumkvrWunendurkaupsverWsogfjr  hWagjaldfrjlsralftryggingaogsjkraogheilsutryggingasemreknarerutkni  legumgrundvelli.A0JJ w ݌r   Ќ  L  M   y TryggingastrWfrWingurlftryggingaflagsskv.3.mgr.geturkrafistallragagnaogupp e= lUsingaafflaginutilaWhanngetiinntstarfsittafhendi.HanngeturkrafistYessaWstj;rnin 0 sklluWsamanoghefuraWjafnaWirtttilYessaWveraviWstaddurogtjsigfundum  stj;rnarinnar.ShannekkisammlakvrWunstj;rnarhefurhannrtttilaWltaskrlitsitt  gerWab;kflagsins. i  y KomisttryggingastrWfrWingurlftryggingaflagsskv.3.mgr.aWYvstarfisnuaW \4 flagiWsemhannstarfarfyrirfariekkiaWsettumreglumvarWandiframangreindatriWiskal ' hanntafarlausttilkynnaYaWFjrmlaeftirlitinu.FjrmlaeftirlitiWgeturkrafiWtrygginga  strWfrWinglftryggingaflagsumYrupplUsingarsemnauWsynlegareruvegnaeftirlits  meWiWgjaldagrundvelli,lftryggingaskuldogfjrhagsstWulftryggingaflags. `   y SeinnmtakaaWsrstrffyrirlftryggingaflgskv.3.!5.mgr.semhlotiWhefurviWur S+! kenninguFjrmlaeftirlitsins. 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'  y EndanlegtmatskalreiknaWmeWhliWsj;nafhugsanlegutapivegnavanefndam;taWila.  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K #  XIII.kaflaogvtryggingaskuldarskv.XIV.kaflaoghinsvegarvkjandiskuldir.     y Frumframsamtluskv.1.mgr.dregsteiginhlutafjreignvtryggingaflagsins.    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T,  y KjarnagjaldYolsliWirflokkastgjaldYolsYtt2YegarYeirhafameginatriWumeinkenni  skv.2.tlul.1.mgr.91.gr.aWteknutillititilYeirraeiginleikasemnefndireru2.mgr.  91.gr.    y StuWningsgjaldYolsliWirflokkastgjaldYolsYtt2YegarYeirhafameginatriWumeinkenni  X skv.1.og2.tlul.1.mgr.91.gr.aWteknutillititilYeirraeiginleikasemnefndireru2.mgr. K #  91.gr.     y AllirstuWningsgjaldYolsliWirsemfallaekkiundir3.mgr.teljasttilgjaldYolsYttar3.     y AWaukiskaleftirfarandigildaumflokkungjaldYols:   ! ! 4ABCD(%004ABCD"A0J"  L  M  L  M  A0Jq y2%  1  .3  Ԉ0    :rWstfuWg;WaskuldlftryggingaflagssemtelsttileiginfjrskalflokkastgjaldYols wO  Ytt1.A0Jqơ݌B    Ќ  "A0J"  A0J y2%  2  .3  Ԉ0    L  M  LoforWumlnveitinguogbyrgWirsemeruvrslu;hWsvrsluaWilatilhagsfyrir    krfuhafavtryggingakrafnaogsemgefnarerutafviWskiptabanka,sparisj;WieWalna   fyrirtkisamkvmtlgumumfjrmlafyrirtkiflokkastgjaldYolsYtt2.A0J0݌{    Ќ  L  M  H|    H|J  L  M  L  M  93.gr.H|Jq݌ 9 Ќ   I    I  L  M  L  M  FlokkungjaldYolsYtti.I.݌  Ќ     y FjrmlaeftirlitiWhefureftirlitmeWYvaWvtryggingaflgflokkigjaldYolsliWiskv.  92.gr.0YeimtilgangiskalvtryggingaflagYarsemviWvsatillistaafgjaldYolsliWumsem r tilgreindirerureglugerWsemrWherrasetur.EfgjaldYolsliWurerekkiYeimlistaskalv e= tryggingaflagmetahannogflokkasamrmiviW92.gr.SlkflokkunerhWsamYykkiFjr 0 mlaeftirlitsins.  H|    H|  L  M  L  M  94.gr.H|:݌ i Ќ   I    Iͩ  L  M  L  M  MrkgjaldYolsYtta.Iͩ݌ \4 Ќ     y HfirgjaldYolsliWirtilaWmtagjaldYolskrfuskv.96.gr.skuluverasamtalagjaldYols ' Ytta1!3.   y HfirgjaldYolsliWirtilaWmtalgmarksfjrmagniskv.111.gr.skuluverasamtalagjald  YolsYttar1og2. `  H|    H|  L  M  L  M  95.gr.H|*݌ " Ќ   I    I  L  M  L  M  ReglugerW.I݌ # Ќ     y RWherraseturreglugerWumeftirfarandiYtti:  $ ! !L  M  "A0J"  A0J y2%  1  .3  Ԉ0    L  M  ViWmiWsemFjrmlaeftirlitiWleggurtilgrundvallarviWmathvortheimilteraWnota !W% stuWningsgjaldYolsliWsamrmiviW90.gr.A0J>݌J""&   Ќ  "A0J"  A0J y2%  2  .3  Ԉ0    L  M  MeWhndluneignarhlutarfjrmlafyrirtkjumviWkvrWungjaldYols,hvortsemum #' eraWrWabeinaneignarhluteWavkjandikrfurfjrmlafyrirtki.A0J݌#(   Ќ  "A0J"  A0Jg y2%  3  .3  Ԉ0    L  M  FerlisemFjrmlaeftirlitiWskalfylgjaviWafgreiWsluums;knaumnotkungjaldYolsliWa.A0Jg݌$ )   Ќ  "A0J"  A0J² y2%  4  .3  Ԉ0    L  M  ListayfirviWurkenndagjaldYolsliWisemuppfyllaskilyrWi92.gr.Yarsemforsendur v%N!* flokkunarkomaframfyrirhvernviWurkenndangjaldYolsliW.A0J²݌A&"+   Ќ  "A0J"  A0Jo y2%  5  .3  Ԉ0    L  M  AWferWirsemFjrmlaeftirlitiWskalnotatilaWsamYykkjaflokkungjaldYolsliWumsem  '",  ekkierulistanumskv.4.tlul.A0Jo݌'#-   Ќ  "A0J"  A0J  y2%  6  .3  Ԉ0    & a  L  M  SrtkaaWlgunmrkumsemtlaWeraWendurspeglatakmarkaWamguleikafrslu ( gjaldYolsliWasemeingnguerheimiltaWnotatilaWmtatapisemstafaraftilgreindum  hlutaskuldbindingaflagsinseWavegnatiltekinnarhttu,Y.e.vrWumsj;Wum.'a(A0J :݌   Ќ  "A0J"  A0Jt y2%  7  .3  Ԉ0    L  M  TakmarkanirnotkungjaldYolsYtta2og3tilaWmtagjaldYolskrfuoglgmarks a fjrmagni.A0Jt݌T,   Ќ  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  K|    K|  L  M  L  M  XVI.KAFLIK|݌  Ќ   Jx    Jx  L  M  L  M  GjaldYolskrafa.Jx݌   Ќ   H|    H|t  L  M  L  M  96.gr.H|t݌  X Ќ   I    I.  L  M  L  M  GjaldYolskrafa.AlmennkvWi.I.X݌ K #  Ќ     y VtryggingaflagskaleigahfagjaldYolsliWitilaWmtagjaldYolskrfu.GjaldYolskrafa    skalannaWhvortreiknuWeftirstaWalreglueWaeiginlkanisamkvmtkvWumYessakafla.    L  M  H|    H|'  L  M  L  M  97.gr.H|'N݌ wO  Ќ   I    I  L  M  L  M  BtreikningurgjaldYolskrfu.I ݌ B  Ќ     y ViWtreikninggjaldYolskrfuskalmiWaviWframhaldandistarfsemiflagsins.GjaldYols    krafaskalveramlikvarWiyfirallamlanlegahttuvtryggingaflags.GjaldYolskrafan   skaltakatilYegargerWrasamningaL  M  semogvntanlegrartgfunUrravtryggingarsamningaL  M   {  nstu12mnuWi.0treikningumvegnanverandistarfsemiskalgjaldYolskrafaaWeinstaka nF miWaf;vntutapi.GjaldYolskrafaskalverasamrmiviWhttuvirWikjarnagjaldYolsv 9 tryggingaflagsmiWaWviW99,5%ryggisstigtileinsrs.   y GjaldYolskrafaskalhiWminnstatakatileftirfarandihttuYtta:  ! ! *(g004ABCD"A0J"  L  M  L  M  A0J y2g  a  .3  Ԉ0    skaWatryggingarhttu,A0J݌r   Ќ  "A0J"  A0J y2g  b  .3  Ԉ0    L  M  lftryggingarhttu,A0J݌e=   Ќ  "A0J"  A0J y2g  c  .3  Ԉ0    L  M  heilsutryggingarhttu,A0J ݌0   Ќ  "A0J"  A0J y2g  d  .3  Ԉ0    L  M  markaWshttu,A0J݌   Ќ  L  M  "A0J"  A0J y2g  e  .3  Ԉ0    L  M  krfuhttu,A0J(݌   Ќ  "A0J"  A0J y2g  f  .3  Ԉ0    L  M  rekstrarhttu.A0J%݌i   Ќ  L  M   y Rekstrarhttaskv.fliW2.mgr.skalfelasrlagalegahttuogundanskiljahttu \4 vegnastefnum;tunarogorWspors. '  y ViWtreikninggjaldsYolskrfuskaltakamiWafhrifumhttuvarnaaWYvtilskilduaW  krfuhttaognnurhttasemrekjamtilvarnannakomiframtreikningigjaldYols  krfumeWviWeigandihtti. `  H|    H|  L  M  L  M  98.gr.H|݌ " Ќ   I    I  L  M  L  M  TWnitreikningsgjaldYolskrfu.I݌ # Ќ     y VtryggingaflagskalreiknagjaldYolskrfueigisjaldnareneinusinniriogtilkynna  $ FjrmlaeftirlitinuumniWurstWu.ViWurkenndirgjaldYolsliWirvtryggingaflagsskulunema !W% hiWminnstasWustutilkynntrigjaldYolskrfu.VtryggingaflagskalfylgjastmeWstWu J""& viWurkenndragjaldYolsliWaoggjaldYolskrfu.BreytisthttusniWvtryggingaflagsverulega #' frforsendumsembyggtvarviWtreikninggjaldYolskrfusemsWastvartilkynntber #( flaginuaWendurreiknagjaldYolskrfuntafarogtilkynnatilFjrmlaeftirlitsins. $ )  y HafiFjrmlaeftirlitiWvsbendingarumaWhttusniWvtryggingaflagshafibreystveru v%N!* legafrYeimdegiYegargjaldYolskrafavarsWasttilkynntgeturYaWgertviWkomandiflagi A&"+ aWendurreiknagjaldYolskrfu.  '",   '#- H|    H|  L  M  & a  99.gr.H|݌ ( Ќ   I    I  L  M  L  M  UppbyggingstaWalreglu.I݌  Ќ     y GjaldYolskrafareiknuWgrundvellistaWalregluersamtalaeftirtalinnaliWa:'a(-  ! !"A0J"  A0J y2g  a  .3  Ԉ0    L  M  grunngjaldYolskrfuskv.100.gr.,A0J=݌a   Ќ  "A0J"  A0J& y2g  b  .3  Ԉ0    L  M  gjaldYolskrfuvegnarekstrarhttu,A0J&S݌T,   Ќ  "A0J"  A0J> y2g  c  .3  Ԉ0    L  M  aWlgunarvegnaYesshlutavtryggingaskuldarsemnotamtilaWmtatapiogfrest  uWumskttum.A0J>k݌   Ќ  H|    H|  L  M  L  M  100.gr.H|݌  X Ќ   I    Im  L  M  L  M  SamsetninggrunngjaldYolskrfu.Im݌ K #  Ќ     y ReiknaskalgrunngjaldYolskrfugrundvellihttueiningasemnhiWminnstatilskaWa    tryggingarhttu,lftryggingarhttu,heilsutryggingarhttu,markaWshttuogm;taWila    httu.    y GjaldYolskrafanskalreiknuWsrstaklegafyrirhverjahttueiningu.MiWaskalviW99,5% wO  httuvirWiyfireinsrstmabil.XegargjaldYolskrfuryfireinsrstmabilvegnaeinstakra B  httueiningaerulagWarsamanskaltakatillittilfjlYttingarhrifa.     y AWfengnusamYykkiFjrmlaeftirlitsinsgeturvtryggingaflagnotaWstikasemendur   speglahttusniWYessviWtreikninggjaldYolskrfuvegnavtryggingarhttu. {  H|    H|  L  M  L  M  101.gr.H|݌ 9 Ќ   I    Iq  L  M  L  M  SamrmdartreikningsforsendurstaWalreglunnar.Iq݌  Ќ     y FjrmlaeftirlitiWgefurtreglurumsamsvrunlnshfismatsutanaWkomandilnshfis  matsstofnunarviWlnshfisYrepsembyggjasttknilegumframkvmdastWlumEvr;psku r vtryggingaoglfeyriseftirlitsstofnunarinnar. e=  y TilaWtryggjasamrmdskilyrWiviWnotkunstaWalreglunnarogtilaWgreiWafyrirtreikn 0 ingimarkaWshttueiningusemvsaWertil100.gr.,m;taWilahttuskv.100.gr.,httu  vrnumskv.4.mgr.97.gr.ogtreikningivtryggingaskuldgefurFjrmlaeftirlitiWt  reglursembyggjasttknilegumframkvmdastWlumEvr;pskuvtryggingaoglfeyris i eftirlitsstofnunarinnarYarsemeftirfarandikemurfram: \4 ! ! 4ABCD(%00*"A0J"  A0Jx y2%  1  .3  Ԉ0    L  M  ListiyfirhraWsstj;rnirogsveitarstj;rnirEESsvWinusemlitiWskalsemsambri ' legahttuogviWeigandirkihvaWvarWarsrstakatekjuflunarmguleikaogstj;rn  sUslufyrirkomulagsemminnkahttugreiWslufalli.A0Jx݌   Ќ  "A0J"  A0J y2%  2  .3  Ԉ0    L  M  HlutabrfavsitalasemnotuWervegnasamhverfraraWlgunarviWtreikninghlutabrfa `  httu.A0J݌S+!   Ќ  "A0J"  A0J y2%  3  .3  Ԉ0    L  M  kvWiumtengingugjaldmiWlaviWevrutilaWskUratreikninggjaldmiWlahttu.A0J/݌"   Ќ  L  M  H|    H|m  L  M  L  M  102.gr.H|m݌  $ Ќ   I    I(  L  M  L  M  VerulegfrvikfrforsendumstaWalreglunnar.I(R݌ !W% Ќ     y XegarekkiviWaWreiknagjaldYolskrfumeWstaWalreglunniskumYessaWhttusniW J""& vtryggingaflagsvkurverulegafrYeimforsendumsemliggjaaWbakistaWalreglunnigetur #' FjrmlaeftirlitiWgertrkstuddakrfuumaWstaWinnfyrirtilteknastikastaWalreglunninoti #( flagstikasemeigasrstaklegaviWumflagiWviWtreikningvtryggingarhttu,sbr.3. $ ) mgr.100gr.XessirstikarskulukvarWaWirYannigaWtryggtsaWkvWi1.mgr.97.gr.su v%N!* uppfyllt. A&"+    '", H|    H|  L  M  L  M  & ,  103.gr.H|݌ ( Ќ   I    I  L  M  L  M  ReglugerW.I݌  Ќ     y RWherraseturreglugerWsemtilgreinirnnareftirfarandiatriWivarWanditreikning  gjaldYolskrfumeWstaWalreglu:',(M a ! !"A0J"  A0Jl y2%  1  .3  Ԉ0    L  M  UppbyggingustaWalreglunnar.A0Jl݌T,   Ќ  "A0J"  A0J| y2%  2  .3  Ԉ0    L  M  UndirhttueiningarsemerunauWsynlegartilaWtfrannarYrhttueiningarsem  tilgreindareru1.mgr.100.gr.aukYesshvernigstaWiWskuliaWuppfrsluL  M  ԀL  M  treikningi  httueiningaogundirhttueininga.A0J|݌    Ќ  "A0J"  A0J y2%  3  .3  Ԉ0    L  M  AWferWir,forsendurogstaWalstikasemnotaWireruviWtreikninghverrihttueiningu  X ogundirhttueiningugrunngjaldYolskrfu.A0J݌K #    Ќ  "A0J"  A0JD y2%  4  .3  Ԉ0    L  M  StikasemlUsafylgnimillihttuYttaogverklagviWuppfrsluYeirra.A0JDq݌     Ќ  "A0J"  A0J y2%  5  .3  Ԉ0    L  M  AWferWirogforsendursemnotaWarerutilaWmetabreytingarhttusniWivtrygginga    flagsYegarhttuvarnirerunotaWaroghvaWahrifYaWhefurgjaldYolskrfu.A0J݌    Ќ  "A0J"  A0JY y2%  6  .3  Ԉ0    L  M  AWferWirogstikasemnotaWirerutilaWmetam;taWilahttuvegnahttuskuldbindinga wO  gagnvartviWurkenndummiWlgumm;taWilum.A0JY݌B    Ќ  "A0J"  A0J y2%  7  .3  Ԉ0    L  M  AWferWirogstikasemnotaWireruviWmatgjaldYolskrfuvegnarekstrarhttu.A0J*݌     Ќ  "A0J"  A0JM y2%  8  .3  Ԉ0    L  M  AWferWirogaWlaganirsemnotaskaltilaWendurspeglatakmarkaWamguleikavtrygg   ingaflagstilhttudreifingarmeWtillititilvarinnasj;Wa.A0JMz݌{    Ќ  "A0J"  A0J y2%  9  .3  Ԉ0    L  M  AWferWsemnotaskaltilaWreiknataWlgungjaldYolskrfusemmyndastafvldum nF svigrmsvtryggingaskuldeWavegnafrestaWraskattatilaWdragartapi.A0J,݌9   Ќ  "A0J "  A0J y2%  10  .3  Ԉ0    L  M  StikahttueiningumstaWalregluvegnalftryggingarhttu,heilsutryggingarhttu  ogskaWatryggingarhttusemskiptamtfyrireiginstikavtryggingaflagsskv.3.  mgr.100.gr.A0J݌r   Ќ  "A0J "  A0J y2%  11  .3  Ԉ0    L  M  StaWlaWaraWferWirsemvtryggingaflagaWnotatilaWreiknateiginstikaskv.10. e= tlul.ogYauskilyrWisemFjrmlaeftirlitiWskalsetjaumaWggnnotuWviWtreikninga 0 sufullngjandi,nkvmogviWeigandiWurensamYykkiumnotkunYeirraergefiW.A0J݌   Ќ  "A0J "  A0J y2%  12  .3  Ԉ0    L  M  EinfaldaWatreikningasemnotamtilteknarhttueiningarogundirhttueiningar,  aukYeirraskilyrWasemvtryggingaflg,YarmeWalbundinvtryggingaflg,skulu i uppfyllatilaWfheimildtilaWnotaslkareinfaldanir.A0J݌\4   Ќ  "A0J "  A0J  y2%  13  .3  Ԉ0    L  M  AWferWirsemnotaWareruviWmattengdumflgum,srlagiYegargjaldYolskrafa ' vegnahlutabrfahttusemerundireiningmarkaWshttuerreiknuW.Takaskaltillittil  lkindaminnaflktivirWislkratengdraflagasemstafaafstefnumarkandieWli  YessarafjrfestingaogYeirrahrifasemvtryggingaflagiWgeturhaftreksturhins `  tengdaflags.A0J ' ݌S+!   Ќ  "A0J "  A0J  y2%  14  .3  Ԉ0    L  M  HvernignotaeigimatutanaWkomandilnshfismatsstofnunar(ECAI)viWtreikning " gjaldYolskrfusamkvmtstaWalregluoghvernigmatiWeryfirfrtkvarWasemgefur # tilkynnalnshfisYrep.A0J  ݌ $   Ќ  L  M   y RWherraseturreglugerWumferlisemskalfylgjaviWsamYykkteiginstikavtryggingaf !W% lagssembyggjasttknilegumframkvmdastWlumEvr;pskuvtryggingaoglfeyriseftir J""& litsstofnunarinnar. #'  y FjrmlaeftirlitiWseturreglur,Yarsemtilgreinderumrkeignasemfelasrhttusem #( ekkiertekiWngilegttillittilstaWalreglunni,sembyggjasttknilegumframkvmdastWl $ ) umEvr;pskuvtryggingaoglfeyriseftirlitsstofnunarinnar. v%N!*   A&"+ H|    H|g  L  M  L  M  & ,  104.gr.H|g݌ ( Ќ   I    I8  L  M  L  M  AlmennkvWiumsamYykkieiginalhliWalkanaoghlutalkana.I8b݌  Ќ     y ViWtreikninggjaldYolskrfuervtryggingaflagiheimiltaWnotaaWfullueWaaWhluta  eiginlknsemsamYykkthafaveriWafFjrmlaeftirlitinu.',( a L  M   y VtryggingaflagierheimiltaWnotaeiginhlutalkntreikningieinueWafleirieftirfar T, andiatriWa:  ! ! *(g004ABCD"A0J"  A0J y2g  a  .3  Ԉ0    einnieWafleirihttueiningumeWaundireiningumgrunngjaldYolskrfu,A0J݌   Ќ  "A0J"  A0J y2g  b  .3  Ԉ0    gjaldYolskrfuvegnarekstrarhttu,A0J݌    Ќ  "A0J"  A0J y2g  c  .3  Ԉ0    aWlgunvegnagetuvtryggingaskuldareWafrestaWraskattatilaWdragartapi.A0J݌ X   Ќ   y AWaukimnotahlutalknfyrireinaeWafleiriafhelsturekstrareiningumflagsinsYvert K #  httueiningar.     y FjrmlaeftirlitiWveitirheimildtilYessaWnotaeigiWlkanogskalafgreiWaums;knum    YaWinnansexmnaWafrm;ttkufullgildrarums;knar.AWeinsmsamYykkjaums;knv   tryggingaflagsefkerfiYesstilaWgreina,mla,fylgjastmeW,stUraogskrhttueruviW wO  unandiogeigiWlkanstenstkrfurumnotkun,tlfrWileggWi,kvrWun,dreifinguhagnaWar B  ogtaps,staWfestinguogskjlun.RWherraseturreglugerWsemskilgreinirkrfurnar.     y XrttfyriraWnotkuneiginlkanshafiveriWsamYykktgeturFjrmlaeftirlitiWkrafiWv   tryggingaflagumaWtlagjaldYolskrfusamkvmtstaWalreglunni. {  L  M  H|    H|'  L  M  L  M  105.gr.H|'N݌ 9 Ќ   I    I  L  M  L  M  SrstkkvWiumsamYykkieiginhlutalkana.I ݌  Ќ     y FjrmlaeftirlitiWskaleinungisveitaleyfifyrirhlutalkaniefYaWuppfyllirskilyrWi104.  gr.aukeftirfarandiskilyrWa: r ! ! 4ABCD(%00*"A0J"  A0J0  y2%  1  .3  Ԉ0    L  M  FlagiWgeturrkstuttaWumfanglkansinsstakmarkaW.A0J0 ] ݌e=   Ќ  "A0J"  A0Ja! y2%  2  .3  Ԉ0    L  M  GjaldYolskrafasemafYvleiWirendurspeglarbeturhttuflagsinsenstaWalregla.A0Ja!!݌0   Ќ  "A0J"  A0J" y2%  3  .3  Ԉ0    L  M  HnnunlkansinsersamrmiviWYrmeginreglurumgjaldYolskrfusemsettareru  fram99.!101.gr.YannigaWlkaniWsaWfullusamrUmanlegtstaWalreglu.A0J""݌   Ќ  L  M  H|    H|$  L  M  L  M  106.gr.H|$$݌ \4 Ќ   I    IC%  L  M  L  M  Hlutverkstj;rnarvegnaeiginlkana.IC%m%݌ ' Ќ     y Stj;rnvtryggingaflagskveWurhvortums;knumaWnotaeigiWlkanskv.104.gr.s  sendtilFjrmlaeftirlitsins.SamaviWumums;kntilaWfmeirihttarbreytingarlkaninu  samYykktar. `  L  M   y Stj;rnberbyrgWaWinnleiWakerfisemtryggiraWeiginlknvirkialltafmeWviWunandi S+! htti. " H|    H| (  L  M  L  M  107.gr.H| (2(݌  $ Ќ   I    I(  L  M  L  M  StaWalreglatekinuppaWnUju.I((݌ !W% Ќ     y AWfengnusamYykkitilaWnotaeigiWlkantiltreikningsgjaldYolskrfuskv.104.gr. J""& geturvtryggingaflagekkinotaWstaWalregluafturtilaWreiknagjaldYolskrfu,hvorkiaW #' hlutanaWlluleyti,nemaslktsrkstuttogsamYykktafFjrmlaeftirlitinu. #( H|    H|+  L  M  L  M  108.gr.H|+A+݌ v%N!* Ќ   I    I+  L  M  L  M  SkilyrWieiginL  M  lkansL  M  Ԁekkiuppfyllt.I++݌ A&"+ Ќ     y UppfyllivtryggingaflagsemfengiWhefursamYykkifrFjrmlaeftirlitinutilaWnota  '",  eigiWlkanekkiskilyrWiYaraWltandiskalYaWntafarafhendaFjrmlaeftirlitinutlun '#- semsUnir&   aWskilyrWinverWiuppfylltinnanhfilegstmaeWaveitaupplUsingarsemsUna ( framaWhrifvegnaYessasu;veruleg.'(-   y TakistvtryggingaflagiekkiaWuppfyllaskilyrWi1.mgr.erFjrmlaeftirlitinuheimiltaW  krefjaYaWumaWreiknatgjaldYolskrfusamrmiviWstaWalreglu. a H|    H|/  L  M  L  M  109.gr.H|//݌  Ќ   I    I0  L  M  L  M  VerulegfrvikfrforsendumstaWalreglunnar.I00݌  Ќ    L  M  L  M   y XegarekkiviWaWreiknagjaldYolskrfusamkvmtstaWalregluvegnaYessaWhttusniW   vtryggingaflagsvkurverulegafrforsendumstaWalreglugeturFjrmlaeftirlitiWmeWrk  X stuWningifariWframaWviWkomandiflagnotieigiWlkantiltreikningsgjaldYolskrfu K #  heildeWavegnatilgreindrahttueininga.    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XVII.KAFLIK|?(?݌  Ќ   Jx    Jx?  L  M  L  M  Lgmarksfjrmagn.Jx??݌ i Ќ   H|    H|a@  L  M  L  M  111.gr.H|a@@݌ \4 Ќ   I    IA  L  M  L  M  AlmenntkvWiumlgmarksfjrmagn.IAFA݌ ' Ќ     y KjarnagjaldYolsfjrliWirvtryggingaflagsskuluaWlgmarkinemaYvlgmarksfjrmagni  semkveWiWerskv.112.gr.  L  M  H|    H|B  L  M  L  M  112.gr.H|BB݌ S+! Ќ   I    IC  L  M  L  M  kvrWunlgmarksfjrmagns.ICC݌ " Ќ     y Lgmarksfjrmagnvtryggingaflagsskal: # ! !L  M  "A0J"  A0JD y2%  1  .3  Ԉ0    L  M  L  M  Samsvara85%afhttuvirWikjarnagjaldYolsliWatileinsrs.A0JD E݌ $   Ќ  "A0J"  A0J)F y2%  2  .3  Ԉ0    L  M  Ekkiveralgraen25%afgjaldYolskrfuogekkihrraen45%.ViWb;targjaldYolskrfu !W% skalbttviWgjaldYolskrfunaWurenframangreindhlutfllerureiknuW,shntil J""& staWar.A0J)FVF݌#'   Ќ  "A0J"  A0JH y2%  3  .3  Ԉ0    L  M  AldreiveralgraenjafnvirWi3,7millj;naevraslenskumkr;num.A0JH  L  M  L  M  132.gr.H|>>݌ J""& Ќ   I    I?  L  M  L  M  tlunumstarfsemitibs.I??݌ #' Ќ    L  M  L  M   y VtryggingaflagsemhefurhfuWstWvarutanaWildarrkjaoghyggststofnahrtibskal #( leggjaframtlunmeWums;knumstarfsleyfi.0tluninniskaleftirfarandikomafram: $ ) ! !L  M  "A0J"  A0JA y2%  1  .3  Ԉ0    L  M  L  M  HvaWavtryggingarverndtibiWtlaraWveita.A0JAA݌v%N!*   Ќ  "A0J"  A0JB y2%  2  .3  Ԉ0    L  M  EndurtryggingarverndtibsinsmeginatriWum.A0JBC݌A&"+   Ќ  "A0J"  A0JD y2%  3  .3  Ԉ0    L  M  tlunumgjaldYolskrfutibsinsgrundvelliefnahagsreikningssamtreiknings  '",  aWferWumsemliggjatilgrundvallarmatinu.A0JDAD݌'#-   Ќ  "A0J"  A0JE y2%  4  .3  Ԉ0    L  M  &   tlunumlgmarksfjrmagntibsinsgrundvelliefnahagsreikningssamtreiknings ( aWferWum'(\Fsemliggjatilgrundvallarmatinu.FlagL  M  iWskalhafaeignirsemmtaeigalg  marksfjrmagnihrlandiogeignirumframlgmarksfjrmagnsemmtaeigagjald  L  M  L  M  YolskrfuhrlandieWaWruaWildarrki.L  M  A0JEE݌a   Ќ  "A0J"  A0JH y2%  5  .3  Ԉ0    L  M  tlunumgL  M  jaldYolsliWL  M  iL  M  ԀtibsL  M  insL  M  ԀL  M  aWteknutillititilgjaldYolskrfuoglgmarksfjr T, magns.A0JHH݌   Ќ  "A0J"  A0JJ y2%  6  .3  Ԉ0    L  M  AWfL  M  lagiWL  M  standistL  M  ԀkrfurumvtryggingaskuldogviWurkenndagjaldYolsliWiskv.XIV.!  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L  M   y kvWi34.gr.gildaumopinberartilkynningarvegnavtryggingastofnssemflutturer " Yegarvtryggingarhttanerhrlandi. #  y Umrttindiogskyldurvtryggingartaka,vtryggWraogannarrasamkvmtvtryggingar  $ samningumfrumtryggingaflagaferskv.5.mgr.34.gr.oglgumumvtryggingarsamninga. !W%  y FjrmlaeftirlitiWskalveitalitsittinnanYriggjamnaWafrYvaWbeiWniumflutninginn J""& barst,ellaskallitiWsvoaWafstaWaYesstilflutningsinssjkvW. #' H|    H|]  L  M  L  M  134.gr.H|] ^݌ $ ) Ќ   I    I^  L  M  L  M  AWstWujfnunvtryggingaflagsmeWstarfsemifleirieneinuaWildarrki.I^^݌ v%N!* Ќ     y VtryggingaflagmeWhfuWstWvarutanaWildarrkjasemrekurtibfleirieneinu A&"+ aWildarrkigeturs;ttumeftirfarandivilnanirsemgildaYumlltibin:  '", ! !L  M  "A0J"  A0J` y2%  1  .3  Ԉ0    L  M  GjaldYolskrafaskv.XVI.kaflasreiknuWmeWhliWsj;nafallristarfsemiflagsins '#- Evr;pskaefnahagssvWinu.A0J`a݌(z$.   @8     ь  "A0J"  A0Jb y2%  2  .3  Ԉ0    L  M  Geymslufskv.3.tlul.4.mgr.131.gr.saWeinsvarWveitteinuaWildarrkiYarsem ( vtryggingaflagiWhefurstarfsemi.A0Jbb݌   Ќ  "A0J"  A0J1d y2%  3  .3  Ԉ0    L  M  EignirsemmtaeigalgmarksfjrmagnisuvarWveittareinhverjumafYeimaWildar  rkjumYarsemvtryggingaflagiWhefurstarfsemi.A0J1d^d݌a   Ќ  L  M   y Ums;knskv.1.mgr.skalsendFjrmlaeftirlitinu.0ums;knskalkomaframhvaWaeftir T, litsstj;rnvaldmuniberabyrgWeftirlitimeWgjaldYolsstWuallratibaflagsins  Evr;pskaefnahagssvWinuogskulustWurYesstilgreindar.Geymslufskv.3.tlul.4.mgr.  131.gr.skalstaWsettYvaWildarrki.L  M  UppfylliflagiWskilyrWiYessarargreinarskalltaviW   komandieftirlitsstj;rnvldeinsogeftirlitsstj;rnvaldaWildarrki.L  M    X  y 0vilnunerekkiveittnemallhlutaWeigandieftirlitsstj;rnvldveitisamYykkisitt. K #   y 0vilnunintekurgildiYegareftirlitsstj;rnvaldiWsemhefureftirlitmeWgjaldYolsstWunni    staWfestirYaWviWnnureftirlitsstj;rnvld.Seftirlitsstj;rnvaldiWannaWenFjrmlaeftirlitiW    veitirYaWhlutaWeigandieftirlitsstj;rnvaldiviWeigandiupplUsingar.   H|    H|j  L  M  L  M  135.gr.H|jj݌ B  Ќ   I    IEk  L  M  L  M  AWalumboWsmaWur.IEkok݌    Ќ     y AWalumboWsmaWurtibsvtryggingaflagssemhefurhfuWstWvarutanaWildarrkjaog   stofnarhrtibkemurframfyrirhndtibsinsmlefnumervarWastarfseminaoghefur {  heimildtilaWskuldbindaflagiWvegnastarfsemiYesshrlandi.UmboWsmaWurinnskalvera nF bsetturhrlandi,veralgrWa,hafa;flekkaWmannorWogmekkisWustufimmrum 9 hafaveriWrskurWaWurgjaldYrotaeWatengslumviWatvinnureksturhafahlotiWd;mfyrir  refsiverWanverknaWsamkvmtalmennumhegningarlgumeWalgumumhlutaflg,einka  hlutaflg,b;khald,rsreikninga,gjaldYrot,opinbergjldeWaL  M  lgumumL  M  ԀvtryggingaL  ԃ r M  L  M  starfsemiL  M  . e=  y AWalumboWsmaWurskalntafartilkynnaFjrmlaeftirlitinuskriflegagerieftirlitsstj;rn 0 vldYarsemflagiWhefurhfuWstWvarathugasemdirviWstarfsemiYess,hafigreiWslustWv  unveriWkveWin,kvrWunveriWtekinumaWsltaflaginueWabYesstekiWtilgjaldYrota  skipta. i H|    H|q  L  M  L  M  136.gr.H|qq݌ ' Ќ   I    Ixr  L  M  L  M  TilkynningtilFjrmlaeftirlitsins.Ixrr݌  Ќ     y VtryggingaflagsemrekurhrtibskaltilkynnatilFjrmlaeftirlitsinsallarverulegar  breytingarstarfseminni,skipanstj;rnarogbyrgWaraWilumlykilstarfssviWa.SgerWnU `  rekstrartlunskv.24.gr.skalhneinnigsendFjrmlaeftirlitinu. S+!  y llggnsemsenderuFjrmlaeftirlitinuskuluveraslenskuL  M  eWaWrutungumlisem " FjrmlaeftirlitiWsamYykkirL  M  . # H|    H|u  L  M  L  M  137.gr.H|uu݌ !W% Ќ   I    IHv  L  M  L  M  BrrWiFjrmlaeftirlitsins.IHvrv݌ J""& Ќ     y Brj;tiflagiWlgogreglugerWirumvtryggingastarfsemieWavanrkiskyldursnarsam #' kvmtYeimYannigaWhagsmunumvtryggingartakaogvtryggWrasstefnthttuskal #( FjrmlaeftirlitiWveitaflaginutiltekinnfresttilaWgeranauWsynlegarrWstafanirtilrb;ta. $ ) HafifullngjandirWstafanirekkiveriWgerWarinnanYessfrestsogteljiFjrmlaeftirlitiWaW v%N!* hagsmunirvtryggingartakaogvtryggWrasuhttugetureftirlitiWtnefntnUjanaWal A&"+ umboWsmanntilaWljkaviWskiptumoguppgjrivegnastarfseminnarhrlandi.Hefurhann  '", YvskynileyfitilrWstfunareignumflagsinshrlandiaWYvmarkierFjrmlaeftir '#- litiWheimilar. (z$.  y kvWi34.!36.gr.ogXIX.kaflagildaeftirYvsemviWgeturttumtibiW. m)E%/ ЇH|    H|M{  L  M  L  M  138.gr.H|M{t{݌ ( Ќ   I    I|  L  M  L  M  AfturkllunstarfsleyfisflagsmeWhfuWstWvarutanaWildarrkis.I|2|݌  Ќ     y FjrmlaeftirlitiWgeturafturkallaWstarfsleyfiflagsmeWhfuWstWvarutanaWildarrkis  uppfylliYaWekkilengurskilyrWifyrirstarfsleyfinueWavanrkigr;flegaskyldursnarsam a kvmtlgumYessum. T, L  M   y XegarstarfsleyfiflagserafturkallaWtekurFjrmlaeftirlitiWkvrWunumhvortYessskuli  freistaWaWyfirfravtryggingastofninntileinseWafleirivtryggingaflagasemrekav  tryggingastarfsemihrlandieWahvortflagiWskuliannanhttreynaaWljkaskuldbind   ingumsnumvegnavtryggingarsamningasemgerWirhafaveriW.Xegarrekinerlftrygginga  X starfsemigeturFjrmlaeftirlitiWkveWiWaWlftryggingastofninumverWikomiWundirsr K #  stakastj;rn,sbr.156.gr.     y ViWafturkllunstarfsleyfiflagsgeturFjrmlaeftirlitiWtakmarkaWeWabannaWflaginu    yfirrWyfirfjrmunumsnumogeignum.   L  M   y AfturkalliFjrmlaeftirlitiWstarfsleyfitibsvtryggingaflagssemhefurtibfleirien wO  einuaWildarrkiskalYaWtilkynnaviWeigandieftirlitsstj;rnvldumumafturkllunina.FjrL  ԃ B  M  L  M  mlaeftirlitinuberaWafturkallastarfsleyfitibsfiYaWtilkynningufrL  M  L  M  ԀWrueftirL  M  L  M  ԂlitsL  M  L  M  stj;rn    valdiumaWYaWhafiafturkallaWstarfsleyfitibssamavtryggingaflags.L  M      y SstWaafturkllunar;fullngjandigjaldYolsstaWaallratibaflagsinsaWildarL  M  L  M  rkjum {  skalheimildtilaWstWujfnunarskv.134.gr.afturklluW. nF L  M  H|    H|  L  M  L  M  139.gr.H|݌  Ќ   I    Iv  L  M  L  M  Uppgjrvtryggingaflagssemmissthefurstarfsleyfi.Iv݌  Ќ     y TilkynniflagaWYaW;skieftiraWhttastarfsemihrlandiskalYaWYvaWeinsgertaW r FjrmlaeftirlitiWltiaWstarfsstWinYurfiekkiaWstarfaframvegnaskuldbindingasem e= hennihvla.SamagildirsenginnaWalumboWsmaWurflagsinshrlandiogenginnhafi 0 veriWtnefndurinnanfrestssemFjrmlaeftirlitiWhefursett.GetureftirlitiWYtnefntaWal  umboWsmannsamrmiviWkvWi137.gr.  L  M   y LeysamtgeymslufsemlagtertilhliWarskv.131.gr.Yfyrsterstarfsleyfiflagsins i hefurveriWafturkallaWogflagiWgetursannaWaWstaWiWhafiveriWviWallarskuldbindingar \4 flagsinshrlandieWaaWfullngjanditryggingfyrirskuldbindingumhafiaWmatiFjr ' mlaeftirlitsinsveriWlgWfram.  K|    K|  L  M  L  M  XXII.KAFLIK|ċ݌ `  Ќ   Jx    Jx[  L  M  L  M  SamtryggingarinnanEvr;pskaefnahagssvWisins.Jx[݌ S+! Ќ   H|    H|I  L  M  L  M  140.gr.L  M  H|Ip݌ " Ќ   I    I  L  M  L  M  SkilyrWisamtryggingar.IB݌ # Ќ     y StarfsemitelstverasamtrygginguminnanEvr;pskaefnahagssvWisinsefhttanfellur  $ undir3.!16.tlul.1.mgr.20.gr.oguppfyllireftirfarandiskilyrWi: !W% ! ! 4ABCD(%004ABCD"A0J"  L  M  A0Jm y2%  1  .3  Ԉ0    L  M  httantelstst;rhtta.A0Jm݌J""&   Ќ  "A0J"  A0J y2%  2  .3  Ԉ0    L  M  httanervtryggWmeWeinumvtryggingarsamningimeWheildariWgjaldiogvtrygg #' ingartmanumvtryggjatveireWafleirifrumtryggjendurhttuna,hverumsigsemsam #( tryggjandi.EinnfrumtryggjandiskalteljastleiWandifrumtryggingaflag.A0J݌$ )   Ќ  "A0J"  A0J y2%  3  .3  Ԉ0    L  M  httaneraWildarrki.A0J݌v%N!*   Ќ  "A0J"  A0JƔ y2%  4  .3  Ԉ0    L  M  LeiWandifrumtryggingaflagskalkomaframeinsogYaWberifullabyrgWfrumtrygg A&"+ inguhttunnartilYessaWhnteljistvtryggW.A0JƔ݌ '",   Ќ  "A0J"  A0Jh y2%  5  .3  Ԉ0    L  M  A.m.k.einnafsamtryggjendumsemtekurYttsamningnumskalhafahfuWstWvareWa '#- tibstaWsettWruaWildarrkienYvsemfrumtryggingaflagiWhefurstarfsleyfi.A0Jh݌(z$.   Ќ  "A0J"  A0J5 y2%  6  .3  Ԉ0    L  M  LeiWandifrumtryggingaflagskalhafaforustusamtryggingunniogkveWurm.a.iW ( gjldogskilmlavtryggingarinnar.A0J5b݌   Ќ  L  M   y kvWiXX.kaflaumstofnuntibaogfrjlstflWiYj;nustueigaviWefleiWandifrum  tryggingaflagerstaWsetthrlandi. a H|    H|  L  M  L  M  141.gr.H|Ě݌  Ќ   I    IX  L  M  L  M  Vtryggingaskuld.IX݌  Ќ     y SamtryggjendurkveWafjrhWvtryggingaskuldarsamrmiviWreglursemgilda   heimarkjumYeirraeWaYarsemslkarreglureruekkitilstaWarsamrmiviWviWteknar  X venjuraWildarrkinu. K #   y VtryggingaskuldinskalY;aldreiveralgrienkvrWunleiWandifrumtryggingaflags    samkvmtreglumheimarkisYess.    H|    H|  L  M  L  M  142.gr.H|/݌ wO  Ќ   I    IÞ  L  M  L  M  TlulegarupplUsingar.IÞ݌ B  Ќ    L  M  L  M   y Xtttakendursamtrygginguskuluhaldatlulegaskrumumfangsamtryggingarinnar    innanEvr;pskaefnahagssvWisinsogtilgreinaYauaWildarrkisemsamtrygginginsnertir.   H|    H|  L  M  L  M  143.gr.H|Ԡ݌ nF Ќ   I    Ih  L  M  L  M  MeWhndlunsamtryggingasamningaslitameWferW.Ih݌ 9 Ќ     y SfrumtryggingaflagislitiWskalskuldbindingumvegnaYtttkusamtrygginguminnan  Evr;pskaefnahagssvWisinsmttmeWsamahttiogWrumfrumtryggingaskuldbindingum  ntillitstilYj;WernisvtryggingartakaogvtryggWra. r L  M  H|    H|  L  M  L  M  144.gr.H|ߣ݌ 0 Ќ   I    Is  L  M  L  M  SkiptiupplUsingummillieftirlitsstj;rnvalda.Is݌  Ќ     y FjrmlaeftirlitiWskalveitaWrumeftirlitsstj;rnvldumaWildarrkjumallarnauWsynlegar  upplUsingarvegnasamtrygginga. i L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  L  M  K|    K|  L  M  L  M  XXIII.KAFLIK|݌ ' Ќ   Jx    Jx|  L  M  L  M  EndurskipulagningarrWstafanir.Jx|݌  Ќ   H|    H|W  L  M  L  M  145.gr.H|W~݌  Ќ   I    I  L  M  L  M  Endurskipulagningfjrhags.I<݌ `  Ќ     y MeWendurskipulagningufjrhagsvtryggingaflagserttviWrWstfunsemfelursr S+! hlutund;mst;lsogertlaWaWtryggjaeWaendurreisafjrhagslegastWuvtryggingaflags " oghafahrifrttindiaWilaannarraenvtryggingaflagsinssjlfs.TilslkrarWstafanatelj # astgreiWslustWvunognauWasamningar.  $ L  M   y AWWruleytienmlterfyrirlgumYessumgildalgumgjaldYrotaskiptio.fl.,nr. !W% 21/1991,umheimildvtryggingaflagstilgreiWslustWvunarogtilaWleitanauWasamnings. J""& D;mst;llskalsjtilYessaWFjrmlaeftirlitinuverWitilkynntYegarstaWumframkomna #' beiWnivtryggingaflagsumheimildtilgreiWslustWvunareWatilaWleitanauWasamnings. #(  y EndurskipulagningfjrhagvtryggingaflagskemurekkivegfyriraWslitameWferW $ ) hefjist. v%N!*  y BrskurWurd;mst;lsWruaWildarrkiumendurskipulagningufjrhagsvtryggingaflags A&"+ meWhfuWstWvarYvaWildarrkitekurtiltibavtryggingaflagsinshrlandi.  '",   '#- H|    H||  L  M  L  M  & ,  146.gr.H||݌ ( Ќ   I    IM  L  M  L  M  UpplUsingartileftirlitsstj;rnvalda.IMw݌  Ќ     y D;mst;llskaltilkynnaFjrmlaeftirlitinuYegarstaWumrskurWumgreiWslustWvunv  tryggingaflagseWa',(heimildYesstilaWleitanauWasamnings.FjrmlaeftirlitiWskaltilkynna a eftirlitsstj;rnvldumannarraaWildarrkjasvoskj;ttsemkosturerumslkanrskurW. T, H|    H|ϴ  L  M  L  M  147.gr.H|ϴ݌  Ќ   I    I  L  M  L  M  BirtingrskurWar.I݌   Ќ    L  M  L  M   y BrskurWurumendurskipulagningufjrhagsvtryggingaflagsskalbirturLgbirtinga  X blaWi.EinnigskalbirtatdrttumrskurWinnStj;rnartWindumEvr;pusambandsins.0 K #  rskurWiskalkomaframhverrskurWaWi,grundvellihvaWalagaoghverertilnefnduraW    stoWarmaWurviWgreiWslustWvuneWaumsj;narmaWurmeWnauWasamningumsamkvmtlg    umnr.21/1991,umgjaldYrotaskiptio.fl.    y BrskurWurumendurskipulagningufjrhagsvtryggingaflagsgildirfrrskurWardegi wO  YrttfyrirkvWiumbirtingu1.mgr.oggildiraWfullugagnvartlnardrottnum,nemad;m B  st;llkveWiumannaW.     y EfendurskipulagningfjrhagsvtryggingaflagshefureinungishrifrtthluthafaeWa   starfsmannavtryggingaflaginu,YeirristWusemYeirgegnasemslkir,gilda1.og2. {  mgr.ekki,nemakveWiWsumannaWlgumnr.21/1991,umgjaldYrotaskiptio.fl. nF  y FjrmlaeftirlitiWhefurheimildtilaWbirtarskurWiumendurskipulagningufreftirlits 9 stj;rnvldumannarraaWildarrkja,sbr.146.gr.  H|    H|,  L  M  L  M  148.gr.H|,S݌ r Ќ   I    I  L  M  L  M  TilkynningartilYekktralnardrottna.I݌ e= Ќ     y TilkynnaskallnardrottnumrskurWumheimildvtryggingaflagstilgreiWslustWvunar 0 eWatilaWleitanauWasamningssamrmiviWkvWi13.og44.gr.laganr.21/1991,um  gjaldYrotaskiptio.fl.   y LnardrottnisemlgheimilieWahefurfastabsetueWahfuWstWvarWruaWildarrki i erheimiltaWlUsakrfuskv.45.gr.lagaumgjaldYrotaskiptio.fl.tungumliYessrkis. \4  y 0tilkynninguskv.1.mgr.tilvtryggingartaka,vtryggWraogannarrasemeigakrfuv ' tryggingaflagvegnavtryggingarsamningaogeigalgheimilieWahafafastabsetueWa  hfuWstWvarWruaWildarrkiskalsrstaklegatekiWframhverhrifrskurWurumheimild  tilgreiWslustWvunareWatilaWleitanauWasamningshafivtryggingarsamningogupplUs `  ingarumrttindiogskyldurYeirra.SkaltilkynninginveratungumliYessrkisYarsemviW S+! komandilgheimilieWahefurfastabsetueWahfuWstWvar. " H|    H|  L  M  L  M  149.gr.H|݌  $ Ќ   I    I  L  M  L  M  Framkvmdendurskipulagningarfjrhags.I݌ !W% Ќ     y UmframkvmdendurskipulagningarfjrhagsgildalgumgjaldYrotaskiptio.fl.,nr. J""& 21/L  M  1991,nemaannanvegsmltfyrirkvWiYessu. #'  y VinnusamningurskalfaraeftirlgumYessrkissemumvinnusamninginnogvinnusam #( bandiWgilda. $ )  y SamningurumnotkuneWakaupfasteignarskalfaraeftirlgumYessrkisYarsemfast v%N!* eigninerstaWsett. A&"+  y Rtturvtryggingaflagsvegnafasteignar,skipseWaflugvlarskalfaraeftirlgumYess  '",  rkisYarsemopinberskrninghefurfariWfram. '#-  y &   HeimildvtryggingaflagstilgreiWslustWvunareWatilaWleitanauWasamningsskalekki ( hafahrif'(urttveWhafavegnaeignarrttindasemeruWruaWildarrkiYegarheimildiner  veitt.0slensklggildaY;umrttindiogskylduraWilasemltaopinberueftirlitihrlendis.   y HafivtryggingaflagkeypteignmeWeignarrttarfyrirvarahefurheimildvtrygginga a flagsinstilgreiWslustWvunareWatilaWleitanauWasamningsekkihrifrttindiseljanda T, sembyggjastfyrirvaranumefeignerWruaWildarrki.Heimildvtryggingaflagsinstil  greiWslustWvunareWatilaWleitanauWasamningshefurekkihrifsluvtryggingaflags  eignhafiafhendingYegarfariWframogeigninveriWWruaWildarrkiYegarheimildinvar   veitt.  X  y XrttfyrirkvWi5.og6.mgr.erheimiltaWbeitakvWumIII.kaflalagaumsamnings K #  gerW,umboWog;gildalggerninga,nr.7/1936,um;gildalggerninga,nemalggistirkis    heimiliekkislkt.     y Hafivtryggingaflagseltfasteign,skipeWaflugvlsemhWeropinberriskrningueWa   framseljanlegverWbrfeWannurverWbrfskipulegumverWbrfamarkaWieftiraWheimild wO  hefurveriWfengintilgreiWslustWvunareWatilaWleitanauWasamningsskululgYessrkis B  YarsemeignereWaYarsemhinopinberaskrninghefurfariWframgildaumlgmtilg    gerningsins.    y UmhrifheimildarvtryggingaflagstilgreiWslustWvunareWatilaWleitanauWasamnings {  mlshfWunvegnaeignareWaannarrarttindasemvtryggingaflaghefurltiWafhendifer nF eftirlgumYessaWildarrkisYarsemmliWvarhfWaW. 9  y BrrWiYausemaWstoWarmaWurskuldaraviWgreiWslustWvunogumsj;narmaWurmeW  nauWasamningigetabeittsamkvmtslenskumlgumhafaYeirjafnframtWrumaWildarrkj  um.ViWbeitinguslkrarrWaWruaWildarrkiskalY;faraeftirlgumYessaWildarrkis r eftirYvsemviW. e= K|    K|  L  M  L  M  XXIV.KAFLIK|D݌  Ќ   Jx    Jx  L  M  L  M  SlitameWferWvtryggingaflags.Jx݌  Ќ   H|    H|  L  M  L  M  150.gr.H|݌ i Ќ   I    It  L  M  L  M  kvrWunumslitameWferW.It݌ \4 Ќ     y FjrmlaeftirlitiWtekurkvrWunumaWhefjaslitameWferWvtryggingaflags,YarmeWal ' tibsYessWruaWildarrki.kvrWuniner;hWYvhvortbeiWnihafiveriWlgWframum  endurskipulagningufjrhagsvtryggingaflagseWarskurWuruppkveWinnumYaW.   y FjrmlaeftirlitiWskal,svoskj;ttsemkosturer,geraeftirlitsyfirvldumaWildarrkjakunn `  ugtumYkvrWunaWhefjaslitameWferWogumhrifslkrarWstafana. S+! H|    H|  L  M  L  M  151.gr.H|݌ # Ќ   I    I  L  M  L  M  SkilyrWiogupphafslitameWferWar.I݌  $ Ќ     y FjrmlaeftirlitiWhefurheimildtilaWtakakvrWunumupphafslitameWferWar: !W% ! ! 4ABCD(%004ABCD"A0J"  A0J y2%  1  .3  Ԉ0    HafiYaWafturkallaWstarfsleyfivtryggingaflagsins.A0J݌J""&   Ќ  "A0J"  A0J y2%  2  .3  Ԉ0    Samkvmt;skstj;rnarflagsinsefskylteraWsltaYvsamkvmtsamYykktumYess.A0J݌#'   Ќ  "A0J"  A0J y2%  3  .3  Ԉ0    Samkvmt;skstj;rnarflagsinsefYaWgeturekkistaWiWfullumskilumviWlnar #( drottnasnaYegarkrfurYeirrafallagjalddagaogekkiverWurtaliWsennilegtaW $ ) greiWslurWugleikarYessmunilWahjinnanskammstma.A0J&݌v%N!*   Ќ  "A0J"  A0J y2%  4  .3  Ԉ0    Samkvmt;skstj;rnarflagsinsogaWfengnusamYykkiFjrmlaeftirlitsinsefkveWiW A&"+ hefurveriWaWsltaYvhluthafafundiendahafitillagaumslitveriWsamYykktYarmeW  '", minnst'#'#2'#'#/'#'#3'#'#hlutumgreiddraatkvWaogafhluthfumsemrWayfirminnst'#'#2'#'#/'#'#3'#'#hlutumYess '#- hlutafjrsemfariWvarmeWatkvWifyrirfundi.A0J=݌(z$.   Ќ   4ABCD(%004ABCDL  M   y HafiFjrmlaeftirlitiWtekiWkvrWunumaWhefjaslitameWferWvtryggingaflags,sbr. ( 150.gr.,skalstarfsleyfiYessafturkallaWsamrmiviWkvWi122.gr.  H|    H|  L  M  L  M  152.gr.H|݌ a Ќ   I    I  L  M  L  M  Skipunslitastj;rnar.I݌ T, Ќ     y VerWikveWiWaWvtryggingaflagskulitekiWtilslitameWferWarskalFjrmlaeftirlitiW  skipaYriggjamannaslitastj;rntilaWsjumslitameWferWflagsins.Slitastj;rntekurviW  llumheimildumstj;rnarogjafnframtfallaniWurheimildirhennar.AukYessverWurrttur   hluthafatilaWtakakvarWanirummlefniflagsinsgrundvellieignarhlutasinna;virkur.  X Slitastj;rnskalYegarkallasamanhluthafafundogkynnahluthfumhvernigkomiWer.Slita K #  stj;rnskalsvoflj;ttsemverWamgeranauWsynlegarrWstafanirtilaWfyfirsUnyfirfjrhag    flagsins.     y meWanslitastj;rnrWuryfirflaginugildasmutakmarkanirheimildumtilaWbeita   fullnustuaWgerWumogWrumYvingunarrrWumgagnvartYvogefYaWhefWifengiWheimild wO  tilgreiWslustWvunar.Skalslitastj;rnYvaWeinsgerarWstafanirummeirihttarhagsmuni B  flagsinsaWbrUnanauWsynberitil.     y Launslitastj;rnarogkostnaWurhennarskalgreiWastafeignumhlutaWeigandivtrygginga   flagssemkrafautanskuldaraWar.SamaviWumkostnaWvegnameWferWarkrfuFjrmla {  eftirlitsinsumgjaldYrotaskipti.FjrmlaeftirlitiWogslitastj;rneruundanYeginkvWum2. nF mgr.67.gr.laganr.21/1991,umgjaldYrotaskiptio.fl.,umaWleggjaframtryggingutiltek 9 innarfjrhWarfyrirkostnaWi.  H|    H|  L  M  L  M  153.gr.H|݌ r Ќ   I    Ir  L  M  L  M  Flagsslitogframhaldandirekstur.Ir݌ e= Ќ     y FjrmlaeftirlitiWskalsamrWiviWslitastj;rntakakvrWunumhvort;skaskuligjald 0 YrotaskiptaflaginueWahvortYaWskulirekiWfram.FjrmlaeftirlitiWgeturtakmarkaWeWa  bannaWrWstfunflagsyfirfjrmunumsnumoggertkrfuumaWflagiWverWitekiWtil  gjaldYrotaskiptateljiYaWlkuraWhagsmunumvtryggingartakaogvtryggWrasaWWrum i kostistefnthttu. \4  y EfkvrWunertekinumaWrekaskuliflagiWframskalFjrmlaeftirlitiW,aWhfWusam ' rWiviWslitastj;rn,takakvrWunumhvortflagiWskulileitastviWaWflytjavtryggingastofn  sinntileinseWafleirivtryggingaflagaeWahvortflagiWskulifreistaYessaWljkauppgjri  vegnahansmeWWrumhtti.FjrmlaeftirlitiWgeturYegarumlftryggingaflageraWrWa `  kveWiWaWlftryggingastofninnstisrstakrimeWferWskv.156.gr. S+!  y TeljiFjrmlaeftirlitiWaWhagsmunavtryggingartakaogvtryggWraverWibestgttmeW " YvaWrekaflagiWframogljkauppgjrivtryggingastofnserslitastj;rnflagsinsundan # YeginkvWi2.mgr.64.gr.lagaumgjaldYrotaskiptio.fl.,nr.21/1991,og1.mgr.105.gr.  $ lagaumhlutaflg,nr.2/1995. !W%  y EftekinerkvrWunumaWljkauppgjrivtryggingastofnsskalslitastj;rnleggjatlun J""& fyrirFjrmlaeftirlitiWtilsamYykktarummeWhvaWahttiskuliljkauppgjrinu,Y.m.t.um #' uppgjrtj;naogtluWtmamrkuppgjrs.FjrmlaeftirlitiWgetursettreglurumgerWog #( inntakslkrartlunaroghvaWaggnskulifylgjahenni. $ ) H|    H|  L  M  L  M  154.gr.H|݌ A&"+ Ќ   I    I^  L  M  L  M  EftirlitmeWframhaldandirekstri.I^݌  '", Ќ     y FjrmlaeftirlitiWhefureftirlitmeWrekstrivtryggingaflagssemerstUrtafslitastj;rn, '#- YrttfyrirafturkllunstarfsleyfisYess.D;tturflagvtryggingaflagsslitameWferWsem (z$. @>     heldurutanumeignirYessskaljafnframtheyraundireftirlitFjrmlaeftirlitsins.EftirlitiW ( nrm.a.tilviWskiptahttaogYesshvortframgangaflagsinsgagnvartviWskiptavinumYess  ssamrmiviWYaWsemalmennttWkasthjvtryggingaflgummeWgiltstarfsleyfi.   y ViWskiptiogrWstfuneignavtryggingaflagssemstUrterafslitastj;rneWaviWskipti a slitastj;rnarviWeinstakaaWilasemsitjaslitastj;rn,eWaaWilannumtengslumviWslkan T, aWila,skulufaraaWreglumumeWlilegaogheilbrigWaviWskiptahttiogvenjur.Fjrmlaeftir  litiWskal,aWeiginfrumkvWieWagrundvellibendingakrfuhafa,hafaeftirlitmeWslkum  viWskiptum.    y NeitunkrfuFjrmlaeftirlitsinsumafhendingugagnageturvarWaWbrottrekstrirslita  X stj;rn. K #   y FjrmlaeftirlitiWgeturvikiWslitastj;rnfrheildeWaaWhlutaYeimtilvikumYegarviW    komandislitastj;rntelstekkihafaunniWstrfsnsamrmiviW2.og3.mgr.eWaeftirat    vikumsamkvmtWrumlagakvWum.   H|    H|)  L  M  L  M  155.gr.H|)P݌ B  Ќ   I    I  L  M  L  M  Flutningurvtryggingastofns.I݌    Ќ     y EftekinhefurveriWkvrWunumaWhagsmunavtryggingartakaogvtryggWrasbest   gttmeWflutningivtryggingastofnsaWhlutaeWalluleytitileinseWafleirivtrygginga {  flagaskalbirtaopinberlegahelstuefnisatriWisamkomulagsYaraWltandi. nF L  M   y Slitastj;rnskaltilkynnavtryggingartkum,vtryggWumogWrumsemkrfueigav 9 tryggingaflagvegnavtryggingarsamningaogeigalgheimilieWahafafastabsetueWa  hfuWstWvarWruaWildarrkiumfyrirhugaWanflutningvtryggingastofnsins.Stilkynning  skalveratungumliYessrkisYarsemviWkomandilgheimilieWahefurfastabsetueWa r hfuWstWvar. e=  y Slitastj;rnskalauglUsaeftirathugasemdumvtryggingartakaogvtryggWraerberast 0 skuluinnanmnaWarfrbirtingutilkynningar.   y AWteknutillititilathugasemdaskalslitastj;rntakakvrWunsamrWiviWFjrmla  eftirlitiWumhvortunntsaWyfirfravtryggingastofnaYannhttsemlagtertil. i H|    H|  L  M  L  M  156.gr.H|9݌ ' Ќ   I    I  L  M  L  M  SrstkmeWferWlftryggingastofns.I݌  Ќ     y EfskipuWerslitastj;rnflagisemstundarlftryggingastarfsemiogkveWiWeraWlftrygg  ingastofnYessskulistasrstakrimeWferWskalFjrmlaeftirlitiWYegarstaWtakasnar `  vrslurYreignirsemmtaeigalftryggingaskuldinni,ltaendurreiknahanaogleggjamat S+! verWmtieigna.LjkaskalgreiWslufallinnaogtilkynntralftryggingakrafnasamkvmt " reglumsemgiltuWurenslitastj;rnvarskipuW.Lftryggingakrfursemfallatiltborgunar # sWarmgreiWataWYvmarkierFjrmlaeftirlitiWtelurforsvaranlegtmeWtillititileigna  $ stWu.Endurkauperu;heimilnemasemgreiWslalnumgegnveWilftryggingumhjflag !W% inu. J""&  y XegaraWloknuendurmatiskv.1.mgr.skalFjrmlaeftirlitiWleitatilannarralftrygginga #' flagaumyfirtkulftryggingastofnsoglftryggingaskuldar.FjrmlaeftirlitiWskalmeta #( framkomintilboWogveljaYaWsemYaWtelurhagkvmastfyrirvtryggWa.FjrmlaeftirlitiW $ ) skaltilkynnaopinberlegaumhelstuatriWitilboWsinssemYaWhefurvaliWogskaljafnframt v%N!* auglUsteftirathugasemdumfrvtryggingartkumogvtryggWumsemberastskuluskriflega A&"+ innaneinsmnaWarfrbirtingutilkynningarinnar.AWfengnumathugasemdumgeturFjr  '", mlaeftirlitiWframseltstofninnflagiYverFjrmlaeftirlitiWvaldisamteignumsemmta '#- eigalftryggingaskuldinni,endatekurviWtakandiYviWllumskuldbindingumvegnalf (z$. trygginganna. m)E%/  y XeirvtryggingartakareWavtryggWir,semathugasemdirhafagertogekkiviljasam ( Yykkjayfirfrsluna,eigarttaWfendurgreittverWmtilftryggingasinnaaWsvomiklu  leytisemhlutfallslegeignhrekkurtil.   y BeristekkitilboWlftryggingastofneWakomiekkiframYautilboWerFjrmlaeftirlitiW a villmlameWskulueignirhinnavtryggWugreiddarYeimrttuhlutfalliviWverWmtilf T, tryggingaYeirra.  H|    H|  L  M  L  M  157.gr.H|݌   Ќ   I    Ie  L  M  L  M  BirtingkvrWunar.Ie݌  X Ќ     y Slitastj;rnskalbirtakvrWunumaWhefjaslitameWferWLgbirtingablaWi.Jafnframtskal K #  birtatdrttrkvrWuninniumslitStj;rnartWindumEvr;pusambandsinssemogupplUs    ingarumYlggjfsemgildirumslitameWferWina.EinnigskaltilgreinaYaWilasemsitja    slitastj;rn.   H|    H|  L  M  L  M  158.gr.H| ݌ B  Ќ   I    I  L  M  L  M  UpplUsingagjftilYekktrakrfuhafa.I݌    Ќ     y Slitastj;rnskaltilkynnallumYekktumkrfuhfumumslitameWferWvtryggingaflags.    y 0tilkynningunniskallUsaeftirkrfumflagiWeWaveitatkifritilYessaWkomaaW {  athugasemdumviWkrfur,geragreinfyrirtmafrestumtilaWkomakrfumframfrieWa nF geraathugasemdiroghvorteWahverjarafleiWingarYaWhafiaWtmafrestirsuekkivirtir.0 9 tilkynninguskaleinnigkomaframhvaWaaWilihefurumboWtilaWtakaviWkrfumeWa  athugasemdumumYrogtilteknaraWrarrWstafanirsemumkannaWveraaWrWa.Xskal  komaframtilkynningunnihvortkrfuhafarsemeigaforgangskrfureWanj;taveWrttar r YurfiaWlUsakrfumsnum. e=  y Fyrirsgntilkynningarskv.1.mgr.skalberameWsraWumsaWrWainnklluneWaboW 0 umaWgeraathugasemdirviWkrfuogaWvirWaYurfitmafrestiogskalhnverallumopin  berumtungumlumaWildarrkja.TilkynningtilkrfuhafasemlgheimiliWruaWildarrki  eWahefurYarfastabsetueWahfuWstWvarskalveraopinberutungumliYessrkiseWa i einuafopinberumtungumlumYessrkis. \4  y UmtilkynningutilaWilasembyggjarttsinnvtryggingarsamningiferskv.2.og3.mgr. ' eftirYvsemviWogskalhnveraopinberutungumlieWaeinuafopinberumtungumlum  YessaWildarrkisYarsemviWkomandilgheimilieWahefurfastabsetueWahfuWstWvar.  H|    H|  L  M  L  M  159.gr.H|-݌ S+! Ќ   I    I  L  M  L  M  KrfulUsingarogathugasemdirviWkrfur.I݌ " Ќ     y 0krfulUsingueWaathugasemdumsembyggjast158.gr.skaltilgreina: # ! ! 4ABCD(%004ABCD"A0J"  A0J  y2%  1  .3  Ԉ0    eWliogfjrhWkrfu,A0J  ݌ $   Ќ  "A0J"  A0J! y2%  2  .3  Ԉ0    stofndagkrfu,A0J!!݌!W%   Ќ  "A0J"  A0J" y2%  3  .3  Ԉ0    hvortkrafaeigiaWnj;taforgangs,hafiveWrtteWaeignarrttarfyrirvara,A0J""݌J""&   Ќ  "A0J"  A0J# y2%  4  .3  Ԉ0    veWandlagkrfu,efviW.A0J##݌#'   Ќ   4ABCD(%004ABCD;  y KrfuhafasemlgheimilieWahefurfastabsetueWahfuWstWvarWruaWildarrkiskal #( heimiltaWleggjaframkrfulUsingueWaathugasemdirviWkrfuopinberutungumliYess $ ) rkiseWaeinuafopinberumtungumlumYessrkis.FyrirsgnkrfulUsingareWaskjalssem v%N!* hefuraWgeymaathugasemdirviWkrfurskalY;veraslensku. A&"+  y AWilarsembyggjarttsinnvtryggingarsamningiYurfaekkiaWgeragreinfyrirrtthW  '", Yeirrakrafna. '#-  (z$. H|    H|'  160.gr.H|'!(݌ ( Ќ   I    I(  L  M  L  M  ReglubundnarupplUsingartilkrfuhafa.I((݌  Ќ     y Slitastj;rnskalreglulegaveitakrfuhfumupplUsingarmeWviWeigandihttiumfram  vinduslitameWferWar. a  y Eftirlitsstj;rnvldaWildarrkjumgetafariWframupplUsingarumframvinduslita T, meWferWarfrFjrmlaeftirlitinu.  L  M  H|    H|*  L  M  L  M  161.gr.H|*+݌   Ќ   I    I+  L  M  L  M  SlitameWferWoggjaldYrotaskiptivtryggingaflags.I++݌  X Ќ     y VtryggingaflagverWurekkitekiWtilgjaldYrotaskiptanemaaWkrfuFjrmlaeftirlitsins. K #  AWWruleytienmlterfyrirumlgumYessumskululgnr.21/1991,umgjaldYrotaskipti    o.fl.,gildaumgjaldYrotaskiptivtryggingaflags.     y Vtryggingakrfurhendurvtryggingaflagiskuluganganstundankrfumskv.113.   gr.laganr.21/1991,umgjaldYrotaskiptio.fl.VtryggingaflagskalvalltgetasUntfram wO  umfangYeirrakrafnasemgangaundanvtryggingakrfum. B   y XegarvtryggingaflagersettslitameWferWeWakveWinnerupprskurWurumgjaldYrota    skiptiflagsinsskalYaWekkihafahrifrttveWhafavegnaeignarrttindasemeruWru   aWildarrki.0slensklggildaY;umrttindiogskylduraWilasemltaopinberueftirlitihr {  lendis. nF  y HafivtryggingaflagkeypteignmeWeignarrttarfyrirvaraskalYaWekkihafahrif 9 rttindiseljandasembyggjastfyrirvaranumefeignerWruaWildarrkiYegarvtrygginga  flagersettslitameWferWeWakveWinnupprskurWurumgjaldYrotaskiptiflagsins.Slita  meWferWoggjaldYrotvtryggingaflagshefurekkihrifsluvtryggingaflagseignhafi r afhendingYegarfariWframogeigninveriWWruaWildarrkiYegarslitameWferWh;fsteWar e= skurWurumgjaldYrotaskiptivarkveWinnupp. 0  y XrttfyrirkvWi3.og4.mgr.erheimiltaWbeitakvWumIII.kaflalagaumsamnings  gerW,umboWog;gildalggerninga,nr.7/1936,eWakvWumXX.kaflalagaumgjaldYrota  skiptio.fl.,nr.21/1991,nemalggistirkisheimiliekkislkt. i  y Hafivtryggingaflagseltfasteign,skipeWaflugvlsemhWeropinberriskrningueWa \4 framseljanlegverWbrfeWannurverWbrfskrWskipulegumverWbrfamarkaWieftiraWv ' tryggingaflagvarsettslitameWferWeWakveWinnvarupprskurWurumgjaldYrotaskipti  flagsskululgYessrkisYarsemeignereWaYarsemhinopinberaskrninghefurfariWfram  gildaumlgmtilggerningsins. `   y UmhrifYessaWbvtryggingaflagsssettslitameWferWeWakveWinnupprskurWur S+! umgjaldYrotaskiptimlshfWunvegnaeignareWaannarrarttindasemvtryggingaflag " hefurltiWafhendifereftirlgumYessaWildarrkisYarsemmliWvarhfWaW. #  y kvWi2.!4.mgr.149.gr.gildaumgjaldYrotaskiptiogslitameWferWvtryggingaflags  $ aWbreyttubreytanda. !W%  y VtryggingaflagskalhaldasrstakaskryfireignirsemnotaWarerutilaWjafnaY J""& vtryggingaskuldsemreiknuWerogvxtuW.SamsetningueignasemfrWareruslkaskr #' YegarslitameWferWeWagjaldYrotaskiptihefjastskalekkibreytteftirYaWogekkiskalfra #( neinarbreytingarskrnaaWrarenleiWrttingarauglj;sumritvillumnemameWleyfiFjr $ ) mlaeftirlitsins.EigiaWsWurskalslitastj;rneWaskiptastj;rileggjavxtuntWraeignaviW v%N!* Yr,semogvirWihreinnaiWgjaldasemm;ttekinerutengslumviWYtilteknuvtrygginga A&"+ grein,frYvaWslitameWferWeWagjaldYrotaskiptihefjastogYartilvtryggingakrfureru  '",  greiddareWaYartilvtryggingastofnhefurveriWfluttur.Efafraksturinnafslueigna_er '#- minnienvirWiYeirra,einsogYaWer&   metiWskrnni,skalslitastj;rneWaskiptastj;rigeraFjr ( mlaeftirlitinugreinfyrirYvmeWrkstuWningi.'(=  H|    H|>  L  M  L  M  162.gr.H|>>݌ a Ќ   I    Iz?  L  M  L  M  SlitameWferWoggjaldYrotaskiptiflagsmeW_lftryggingastarfsemi_.Iz??݌ T, Ќ    L  M  L  M   y kvWi161.gr.umslitameWferWoggjaldYrotvtryggingaflagsgildaumslitameWferW  oggjaldYrotflagsmeW_lftryggingastarfsemi_ԀnemakveWiWsumannaWkvWiYessu.   y kvWi156.gr.umsrstakameWferW_lftryggingastofnsins_ԀgildaverWikveWiWaWslta   flagimeW_lftryggingastarfsemi_ԀoggeturFjrmlaeftirlitiWkrafistallragagnafrflaginu  X semnauWsynlegerutilaWunntsaWljkauppgjrihansogrWstfun.Aukopinberrartil K #  kynningarskv.2.mgr.156.gr.skalFjrmlaeftirlitiWtilkynna_vtryggingartkum_,vtryggW    umogWrumsemkrfueigavtryggingaflagvegnavtryggingarsamningaogeiga    lgheimilieWahafafastabsetueWahfuWstWvarWruaWildarrkiumfyrirhugaWanflutning   _vtryggingastofnsins_.SlktilkynningskalveratungumliYessrkisYarsemviWkomandi wO  lgheimilieWahefurfastabsetueWahfuWstWvar. B   y ViWslitameWferWeWagjaldYrotaskipti_lftryggingaflags_Ԁskalhvorkiteljaeignirsemmta    eiga_lftryggingaskuldinni_ԀmeWeignumflagsinsn_lftryggingaskuldina_ԀmeWskuldumYess.   HafiekkitekistaWljkagreiWslu_lftryggingakrfu_ԀmeWeignumYeimsemmtaeiga_lftrygg {  ingaskuldinni_Ԁferum_lftryggingakrfuna_Ԁhendurflaginuskv.2.mgr.161.gr. nF H|    H|H  L  M  L  M  163.gr.H|HI݌  Ќ   I    II  L  M  L  M  MeWferWtibavtryggingaflagameWhfuWstWvarutanaWildarrkja.III݌  Ќ    L  M  L  M   y XegarvtryggingaflagsemhefurhfuWstWvarutanaWildarrkjahefurtibfleirien r einuaWildarrkiskalltatibYesshrlandisemsjlfstWaeininguviWendurskipulagn e= ingufjrhagseWaslitYess._FjrmlaeftirlitiW_ԀskalleitastviWaWsamrma_endurskipulagn 0 ingaraWgerWir_ԀogslitameWferWmeWviWeigandieftirlitsstofnunum.  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