WPC= ~j-izk^:?' R'am}^'{vХ;wwJqvYHMkf'"AL N>"Gk$ySPrxa$il'K=c0W TvҜl! 1;@ 01+7r'Rc:z::L3rX0i}|8sRg-S'0]4}jS % 8@Aխ+~2^^ `'[x HVHkCs]^FA1?FS&ӓuո 錀zB?|Q%o|;-U˽^EF JՋҶ0}zz,2b=g,a*:%Lblz:WK{ҧesJ` D! ɷp8Y/\v5lj> DJ=Oוlu ?w[Xf(UN %` 0f#] F&#Fl## m#w#4#^ ###(% 0%Z& 0(& B-' 72<' 0ln' 0D*+4+\J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+J+ 0z+ 0l , , , , 0v, 0d----Nf-f-f-f-f- 1h-h- 0.... 011 0'4'4 0uF7F7 0w77 02828 088 1u9999 B : : : : : : : : : : : : : : : : 72&:&:&:&: 1X:X:X:X:X:X:X:X:X:X:X:X:X:X:X:X:X:X:X:X:X:U:::::M3;3;3;3;D7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7;7; 1{<&d9 Z6Times New Roman RegularX(`$,..,TRW6&A4W6&A4 6&A4 6&A4T ? 0?vvbX0#ggdd  8dd8ISUS,.     ^^` Adobe PDF0W:\WP2000\template\SKJRI~3H.WPTW:\WP2000\template\SkjritunY2k.wptUhJgbatsJ 3|x  a',..,XXXX? XX0?vvbX0#ggdd  ISUS,.   _>? #9#XX#XX{#(xir$0  0` (#(#0 ` (#` (#2#(  0  )3  0 (# (#8DocumentManagement::ModifiedBooleanTRUE($)Hairline d_(%2~$ `!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? XX0?vvbX0#ggdd  8dd8ISUS,.     ^^`      0  0  (#$  0          Tv1.heilsutryggingah%ttu VIIIIX\:GreinarfyrirGreinarfyrirsgn    T |:GreinarnmerGreinarnmer    X:KaflafyrirsKaflafyrirsgn     L |6KaflanmerKaflanmer    ikmo0JTEu{}1. a. 1.StafliWir undir t?luliW1.a.1.(3$ `!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? XX0?vvbX0#ggdd  8dd8ISUS,.     ^^`   (3$ `!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? XX0?vvbX0#ggdd  8dd8ISUS,.     ^^`   (3$ `!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? XX0?vvbX0#ggdd  8dd8ISUS,.     ^^`    d (M0J$2  0  .3  0 ` (O;$0  2#  a  .3  0` (#(#(u$0  0` (#(#` `  2  a  .3  0` (#` (#(`$0  0` (#(#0 ` (#` (#0 (# (#"h2  0  .3  0(#(#3#37=CIQYag1.a.i.(1)(a)(i)1)a) dqi) gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)4cp Z "Times Regular : e),..,XXXX? XX0?vvbX0#ggdd  ISUS,.   _>? Ҁ09;AGMU]ekromvi.a.i.(1)(a)(i)1)a)a) `!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? XX0?vvbX0#ggdd  8dd8ISUS,.     ^^`   _ _ikmo(JT03q  P*f146.lggjafarYing2016!2017. ( Xingskjal1031"400.ml.      SFrumvarptillaga# SN#   ?  umvtryggingasamstWur.    (Eftir2.umrWu,31.ma.) K #  V|    V|Q  I.KAFLIV|Qx݌    Ќ   U     U  GildissviW,markmiWogskilgreiningar.U݌   Ќ    Q|    Q|  1.gr.Q|݌ wO  Ќ   P    P2  GildissviWogmarkmiW.P2\݌ B  Ќ     LgYessigildaumvtryggingasamstWurogermarkmiWYeirraaWverndahagsmuni    vtryggingartakaogvtryggWra.   Q|    Q|  2.gr.Q|݌ nF Ќ   P    P'   OrWskUringar.P' Q ݌ 9 Ќ     0lgumYessummerkir:  "i0J"  i0J 2JT  1  .3  Ԉ0    Hluteignarflag:FlagsemerannaWhvortm;WurflageWaflagsemhlutdeildWru  flagieWaflagsemtengistWruflagimeWtengslumeinsoglUster1.tlul.aliWar3. r tlul.FyrirtkiereinnighluteignarflagefYaWhefuraWmatiFjrmlaeftirlitsinsum e= talsverWhrifmeWbeinumeWa;beinumatkvWisrttiWrufyrirtki.i0J 5 ݌0 Ќ  "i0J"  i0J 2JT  2  .3  Ԉ0    Tengtflag:D;tturflageWahlutdeildarflageWaflagsemtengistWruflagimeW  tengslumskv.1.tlul.aliWar3.tlul.i0J ݌ Ќ  "i0J"  i0J72JT  3  .3  Ԉ0    SamstWa:H;purflagasem:i0J7d݌i Ќ  "m"  m:0  0 2JT  a  .3  Ԉ0v  samanstendurafhluteignarflagi,d;tturflgumYessogflgumsemm;WurflagiW \4 eWad;tturflgYesseigahlutdeild,aukflagasemtengjasthvertWruYannigaW:m:g݌'vv Ќ        0 v 1.0bvvflgumsemtengjastekkierstj;rnaWsameiningusamkvmtsamningieWa  kvWumsamYykktumeWabb       0 v 2.0bvvmeirihlutistj;rnareWastj;rnendurflagasemtengjastekkierusmueinstak `  lingarreikningsrinu,S+!bb "m"  m0  0ww 2JT  b  .3  Ԉ0v  byggiststerkumogvaranlegumfjrhagslegumtengslumsamkvmtsamningieWa " Wrumlggerningiog:m݌#vv Ќ        0 v 1.0bvveittflagiWerrWandikvarWanatkufyrirllflgin,YarmeWalkvrWunum  $ umfjrhagslegmlefniog!W%bb       0 v 2.0bvvstofnunogslitslkssambandserhWsamYykkieftirlitsstj;rnvaldssamstWunnar.J""&bb "i0J"  i0J-2JT  4  .3  Ԉ0    Eftirlitsstj;rnvaldsamstWu:Eftirlitsstj;rnvaldsemberbyrgWsamstWueftirlitiskv. #' 34.gr.i0J-Z݌#( Ќ  "i0J"  i0J2JT  5  .3  Ԉ0    Samstarfsh;pureftirlitsstj;rnvalda:Varanlegtensveigjanlegtsamstarfeftirlitsstj;rn $ ) valdatilaWsamrmaogauWveldakvarWanirvegnaeftirlitsmeWvtryggingasamstWu.i0J݌v%N!* Ќ  "i0J"  i0JQ2JT  6  .3  Ԉ0    EignarhaldsflagvtryggingasviWi:FlagYarsemmeginstarfsemifelstYvaWeiga A&"+  hlutid;tturflgumsemeruannaWhvorteingngueWaaWallegavtryggingaflg.i0JQ~݌# '",  #Ќ  "i0J"  i0J2JT  7  .3  Ԉ0    & ,  BlandaWeignarhaldsflagvtryggingasviWi:Flagsemekkiervtryggingaflag, ( eignarhaldsflagvtryggingasviWieWablandaWeignarhaldsflagfjrmlastarfsemiog  a.m.k.eittd;tturflagervtryggingaflag.i0JA݌ Ќ  ',("i0J"  i0J/2JT  8  .3  Ԉ0    BlandaWeignarhaldsflagfjrmlastarfsemi:M;Wurflagsemekkiereftirlitsskylten a YaWsamtd;tturflgumsnum,Yarsema.m.k.eittYeirraereftirlitsskyltogermeW T, hfuWstWvaraWildarrki,ogWrumaWilummyndarfjrmlasamsteypu.i0J/\݌ Ќ    SkilgreiningarIII.kaflalagaumvtryggingastarfsemigildaYarsemorWskUringumsleppir.  Q|    Q|  3.gr.Q| ݌  X Ќ   P    Pp   VtryggingasamstWurogeftirlitYeirra.Pp ݌ K #  Ќ     VtryggingasamstWaersamstWasemskalveraundireftirlitiYegar:    ! ! (g00_ikmo"i0J"  i0J?"2g  a  .3  Ԉ0    vtryggingaflagerhluteignarflaga.m.k.einuvtryggingaflagihvortsemYaWstarfar    aWildarrkieWaekkiskv.II.!V.kafla,i0J?"l"݌  Ќ  "i0J"  i0J#2g  b  .3  Ԉ0    m;WurflagvtryggingaflagsereignarhaldsflagvtryggingasviWieWablandaW wO  eignarhaldsflagfjrmlastarfsemimeWhfuWstWvarhrlandiskv.II.!V.kafla,i0J##݌B  Ќ  "i0J"  i0Js%2g  c  .3  Ԉ0    m;WurflagvtryggingaflagsereignarhaldsflagvtryggingasviWieWablandaW    eignarhaldsflagfjrmlastarfsemimeWhfuWstWvarutanaWildarrkiseWavtrygg   ingaflagutanaWildarrkisskv.VI.kafla,i0Js%%݌{  Ќ  "i0J"  i0Jk'2g  d  .3  Ԉ0    m;WurflagvtryggingaflagserblandaWeignarhaldsflagvtryggingasviWiskv.VII. nF kafla.i0Jk''݌9 Ќ    FjrmlaeftirlitiWhefureftirlitmeWaWstarfsemivtryggingasamstWnafariaWkvWum  lagaYessara.LgumvtryggingastarfsemigildaumeftirlitmeWvtryggingaflgumsam  stWumnemaannaWstekiWframlgumYessum. r   XegarFjrmlaeftirlitiWereftirlitsstj;rnvaldvtryggingasamstWuskv.aogbliW1.mgr., e= semeruannaWhvorttengdeftirlitsskylduflagieWaerusjlfeftirlitsskyldeWablnduWeignar 0 haldsflgfjrmlastarfsemisemfallaundirlgumviWb;tareftirlitmeWfjrmlasam  steypum,geturYaWaWhfWusamrWiviWviWeigandieftirlitsstj;rnvldkveWiWaWhafaekki  eftirlitmeWsamYjppunhttuvegnahluteignarflaga,sbr.31.gr.,eWaeftirlitmeWviW i skiptuminnanvtryggingasamstWu,sbr.32.gr.,efYaufallaundirsambrilegkvWi \4 lgumumviWb;tareftirlitmeWfjrmlasamsteypum. '   XegarblandaWeignarhaldsflagfjrmlastarfsemifellurundirjafngildiskvWiVI.kafla  lagaYessaraoglgumviWb;tareftirlitmeWfjrmlasamsteypumgeturFjrmlaeftirlitiW,ef  YaWereftirlitsstj;rnvaldsamstWunnar,aWviWhfWusamrWiviWviWeigandieftirlitsstj;rn `  vld,einungisfariWaWlgumumviWb;tareftirlitmeWfjrmlasamsteypum. S+! Q|    Q|p/  4.gr.Q|p//݌ # Ќ   P    P0  UmfangsamstWueftirlits.P0+0݌  $ Ќ     FjrmlaeftirlitiWhefurekkieftirlitmeWeinstkumvtryggingaflgumutanaWildarrkja, !W% eignarhaldsflgumvtryggingasviWi,blnduWumeignarhaldsflgumfjrmlastarfsemi J""& ogblnduWumeignarhaldsflgumvtryggingasviWiY;ttYaufalliundirsamstWueftirlit #' skv.3.gr.,sbr.Y;43.gr.YegarumeraWrWaeignarhaldsflagvtryggingasviWieWabland #( aWeignarhaldsflagfjrmlastarfsemi. $ )   XegarFjrmlaeftirlitiWereftirlitsstj;rnvaldsamstWugeturYaWkveWiWaWhaldaflagi v%N!* utansamstWueftirlitsskv.3.gr.Yegar: A&"+ / /"i0J"  i0J32g  a  .3  Ԉ0    flagiWerutanaWildarrkisoglagaleghindruntilaWaflanauWsynlegraupplUsingaertil  '", staWar,sbr.Y;19.gr.,i0J3"4݌'#- Ќ  "i0J"  i0Jq52g  b  .3  Ԉ0    & a flagiWhefur;verulegaYUWingufyrirtilgangsamstWueftirlitsins,i0Jq55݌( Ќ  "i0J"  i0J62g  c  .3  Ԉ0    YaWgfivillandimyndfyrirsamstWueftirlitiWaWhafaflagiWmeW.i0J66݌ Ќ  'a( 6  XrttfyriraWfleirieneittflagvtryggingasamstWufallihvertfyrirsigutansamstWu  eftirlitsskv.bliW2.mgr.skuluYauveraundirsamstWueftirlitiefYauhafasamanlagtYUW a ingufyrirsamstWueftirlitiW. T,   XegarFjrmlaeftirlitiWereftirlitsstj;rnvaldsamstWuogtelurvtryggingaflagfallautan  samstWueftirlitsskv.beWacliW2.mgr.skalYaWrWfrasigviWnnureftirlitsstj;rnvld  semmliWvarWarWurenkvrWunertekin.     XegarFjrmlaeftirlitiWereftirlitsstj;rnvaldsamstWuogheldurvtryggingaflagiutan  X samstWueftirlitsskv.beWacliW2.mgr.getaeftirlitsstj;rnvldYessaWildarrkisYarsem K #  flagiWerstaWsett;skaWeftirupplUsingumfrm;WurflagivtryggingasamstWunnarvegna    eftirlitsmeWflaginu.    Q|    Q|j<  5.gr.Q|j<<݌ wO  Ќ   P    P<  Endanlegtm;Wurflag.P<%=݌ B  Ќ     Efhluteignarflag,eignarhaldsflagvtryggingasviWieWablandaWeignarhaldsflag    fjrmlastarfsemiskv.3.gr.erm;Wurflagogersjlftd;tturflagannarsvtryggingaflags,   eignarhaldsflagsvtryggingasviWieWablandaWseignarhaldsflagfjrmlastarfsemi,sem {  hefurhfuWstWvaraWildarrki,skululgYessigildaumvtryggingasamstWusWarnefnda nF flagsinsefFjrmlaeftirlitiWereftirlitsstj;rnvaldsamstWunnar. 9   Efm;WurflagallraannarraflagavtryggingasamstWuskv.1.mgr.erd;tturflagfyrir  tkissemerundirviWb;tareftirlitiFjrmlaeftirlitsinssamkvmtlgumumviWb;tareftirlit  meWfjrmlasamsteypumgeturFjrmlaeftirlitiWsemeftirlitsstj;rnvaldsamstWunnar, r samrWiviWnnurviWeigandieftirlitsstj;rnvld,kveWiWaWeftirlitmeWsamYjppunhttu e= skv.31.gr.ogviWskiptuminnanvtryggingasamstWuskv.32.gr.farisamkvmtkvWum 0 lagaYessara.  Q|    Q|B  6.gr.Q|BB݌ i Ќ   P    P4C  InnlendvtryggingasamstWaerhlutiaferlendrivtryggingasamstWu.P4C^C݌ \4 Ќ     HafiFjrmlaeftirlitiWeftirlitmeWm;WurflagivtryggingasamstWusemereingngu ' meWstarfsemihrlandi,innlendvtryggingasamstWa,ogerd;ttureWahlutdeildarflag  endanlegsm;WurflagsvtryggingasamstWuskv.aliW1.mgr.3.gr.semermeWhfuW  stWvarWruaWildarrki,erlendvtryggingasamstWa,erYvheimiltsamrWiviWeftirlits `  stj;rnvaldogm;WurflagerlenduvtryggingasamstWunnaraWkveWaaWsamstWueftirlit S+! Fjrmlaeftirlitsinsskv.5.gr.miWistviWinnlenduvtryggingasamstWuna. "   FjrmlaeftirlitinuerheimiltaWtakmarkasamstWueftirlitskv.1.mgr.viWtiltekinkvWi # Yessakafla.  $   XegarFjrmlaeftirlitiWkveWurvalaWferWviWtreikninggjaldYolsstWuskv.10.gr.er !W% skvrWunendanleg.Hafim;WurflagerlenduvtryggingasamstWunnarkveWiWaWferWina J""& skalFjrmlaeftirlitiWnotaYaWferWviWtreikninggjaldYolsstWuinnlenduvtrygginga #' samstWunnar. #(   Hafim;WurflagerlenduvtryggingasamstWunnarfengiWheimildskv.21.eWa23.gr.til $ ) aWmetagjaldYolskrfuvtryggingasamstWunnarogeinstakraflagavtryggingasamstW v%N!* unnimeWeiginlkaniskalYaWlkaneinnignotaWviWmatgjaldYolskrfuinnlenduvtrygg A&"+  ingasamstWunnar.  '", & a      TeljiFjrmlaeftirlitiWaWhttusniWinnlenduvtryggingasamstWunnarsekkisam ( rmiviWeigiWlkanerlenduvtryggingasamstWunnargeturYaWlagtviWb;targjaldYolskrfu  'a(.KinnlenduvtryggingasamstWuna.EfviWb;targjaldYolskrafaerekkiviWeigandigeturFjr  mlaeftirlitiWkrafistYessaWgjaldYolskrafainnlenduvtryggingasamstWunnarverWimetin a meWstaWalreglunni.FjrmlaeftirlitiWskalskUraslkakvrWunfyrirflaginuogeftirlits T, stj;rnvaldisamstWunnar.FjrmlaeftirlitiWskaltilkynnasamstarfsh;pieftirlitsstj;rnvalda  umkvrWunskv.aliW1.mgr.35.gr.efYaWereftirlitsstj;rnvaldsamstWunnar.    kveWiFjrmlaeftirlitiWaWmatgjaldYolskrfuinnlendrarvtryggingasamstWufari   samkvmtYessarigreingetakvWi27.og28.gr.ekkigiltfyrird;tturflgvtrygginga  X samstWunnar. K #    EkkierheimiltaWmetagjaldYolskrfusamkvmtYessarigreinefinnlendvtrygginga    samstWasemerd;tturflagerlendrarvtryggingasamstWuhefurfengiWheimildskv.27.    og28.gr.   Q|    Q|.Q  7.gr.Q|.QUQ݌ B  Ќ   P    PQ  M;WurflagvtryggingasamstWufleirieneinuaWildarrki.PQQ݌    Ќ     FjrmlaeftirlitiWgeturgertsamstarfssamningviWeftirlitsstj;rnvldaWildarrkjumsem   hafaeftirlitmeWvtryggingasamstWum,semstarfaeingnguviWkomandirki,tilaWhafa {  samstWueftirlitmeWundirsamstWufleirieneinuaWildarrki. nF   FjrmlaeftirlitiWskalkynnasamstarfssamningfyrireftirlitsstj;rnvaldisamstWunnarog 9 endanlegum;Wurflagi.EfFjrmlaeftirlitiWereftirlitsstj;rnvaldsamstWuskalYaWtilkynna  samstarfsh;pieftirlitsstj;rnvaldaumsamstarfssamning.  V|    V|YU  II.KAFLIV|YUU݌ e= Ќ   U     UU  GjaldYolvtryggingasamstWu.UUV݌ 0 Ќ    Q|    Q|V  8.gr.Q|VV݌  Ќ   P    P2W  Eftirlit.P2W\W݌  Ќ     EftirlitmeWgjaldYolivtryggingasamstWuskalveraskv.2.og3.mgr.Yessarargreinar, i 33.gr.ogV.kafla. \4   VtryggingaflgvtryggingasamstWuskulutryggjaaWviWurkenndirgjaldYolsliWir ' nemialltafa.m.k.gjaldYolskrfuvtryggingasamstWunnareinsoghnermetinmeW  hliWsj;nafuppbyggingusamstWunnar.    EfFjrmlaeftirlitiWereftirlitsstj;rnvaldsamstWuskaleftirlitmeWgjaldYolskrfuskv. `  2.mgr.verahlutiafeftirlitsferliYessskv.29.gr.lagaumvtryggingastarfsemi. S+!   kvWi115.og117.gr.lagaumvtryggingastarfsemiskulueinniggildaumvtrygginga " samstWuaWbreyttubreytanda.EfFjrmlaeftirlitiWereftirlitsstj;rnvaldsamstWutilnefnir # YaWYannaWilasemberbyrgWupplUsingaskylduumversnandifjrhagsstWusamkvmt  $ YessumkvWum. !W%   EfFjrmlaeftirlitiWereftirlitsstj;rnvaldsamstWunnaroghefurfengiWYrupplUsingar J""& frhluteignarflagiaWgjaldYolskrfuvtryggingasamstWusekkilengurfullngteWahtta #' sYvnstuYremurmnuWumskalYaWupplUsannureftirlitsstj;rnvldsamstarfsh;pi #( eftirlitsstj;rnvaldaumYaW. $ )   v%N!* Q|    Q|9^  & ,  9.gr.Q|9^`^݌ ( Ќ   P    P^  TWnimats.P^ _݌  Ќ     Matskv.2.og3.mgr.8.gr.skalgerta.m.k.rlega,annaWhvortafhluteignarflagi,  eignarhaldsflagivtryggingasviWi',(^ԀeWablnduWueignarhaldsflagifjrmlastarfsemi.Ef a FjrmlaeftirlitiWereftirlitsstj;rnvaldsamstWuskalYaWhafaeftirlitmeWmatinu. T,   HluteignarflagskalskilaviWeigandiggnumvegnamatstilFjrmlaeftirlitsins.Efhlut  eignarflagiWerekkim;WurflagvtryggingasamstWuskalFjrmlaeftirlitiWtilnefnaeignar  haldsflagvtryggingasviWi,blandaWeignarhaldsflagfjrmlastarfsemieWavtrygginga   flag,samrWiviWviWeigandieftirlitsstj;rnvldWrumaWildarrkjumogvtryggingasam  X stWunasjlfa,semskilarggnunum. K #    Flgskv.1.mgr.skulufylgjastmeWgjaldYolskrfuvtryggingasamstWunnar.Vki    httusniWvtryggingasamstWunnarverulegafrYeimforsendumsemlgutilgrundvallar    sWustuskrWugjaldYolskrfuskaltafarlaustmetanUjagjaldYolskrfufyrirvtryggingasam   stWunaogtilkynnaniWurstWunatilFjrmlaeftirlitsins. wO  Q|    Q| e  10.gr.Q| e3e݌    Ќ   P    Pe  ValaWferW.Pee݌   Ќ     MatgjaldYolsstWusamstWuvtryggingaflagaskv.aliW1.mgr.3.gr.skalgertsam {  kvmttknilegummeginreglumogannaWhvortaWferWskv.11.eWa13.gr.MatiWskalgert nF meWstaWlaWriaWferW,sbr.20.!22.gr. 9   FjrmlaeftirlitiWgeturkveWiWaWtiltekinvtryggingasamstWanotivalkvWaaWferWviW  matiW,sbr.23.gr.,eWabWistaWlaWaaWferWogvalkvWaaWferWefekkierrttaWnotaein  gngustaWlaWaaWferW.FjrmlaeftirlitiWskaltakaslkakvrWunsamrWiviWviWeigandi r eftirlitsstj;rnvldannarraaWildarrkjaogvtryggingasamstWunasjlfa. e= Q|    Q|i  11.gr.Q|ii݌  Ќ   P    P2g  c  .3  Ԉ0    annarsd;ttureWahlutdeildarflagshluteignarflagsYess.i0J>k݌ Ќ    ViWmatgjaldYolsstWuvtryggingasamstWuskalvirWiviWurkenndragjaldYolsliWatil a aWmtagjaldYolskrfud;ttureWahlutdeildarflagshluteignarflagssemgjaldYolsstaWa T, vtryggingasamstWuermetinfyrirogverWatilviWgagnkvmafjrmgnunviWannaW  d;tturoghlutdeildarflaghluteignarflagsins,ekkiteljasttilgjaldYols.    XaWtelstgagnkvmfjrmgnunYegarvtryggingaflageWad;tturoghlutdeildarflag   YesshlutafeWakrfuannaWflagsembeinteWa;beintviWurkenndagjaldYolsliWitil  X aWmtagjaldYolskrfufyrrnefndaflagsins. K #  Q|    Q|  14.gr.Q|˘݌    Ќ   P    P6  Mateignumogskuldbindingum.P6`݌   Ќ     MateignumogskuldbindingumvegnagjaldYolsstWuvtryggingasamstWuskalvera wO  samrmiviWvarfrnisreglu74.gr.lagaumvtryggingastarfsemi. B  Q|    Q|  15.gr.Q|݌   Ќ   P    PN  Tengdd;tturoghlutdeildarflg.PNx݌ {  Ќ     Eigivtryggingaflagfleirieneittd;ttureWahlutdeildarflagskalhvertogeitttekiWmeW nF matigjaldYolsstWuvtryggingasamstWunnar. 9   EfFjrmlaeftirlitiWereftirlitsstj;rnvaldsamstWugeturYaWkveWiWaWmatgjaldYols  krfuogviWurkenndumgjaldYolsliWumtilaWmtahennitakimiWafkrfumWruaWildar  rkisd;ttureWahlutdeildarflagiWmeWhfuWstWvarYar. r Q|    Q|a  16.gr.Q|a݌ 0 Ќ   P    P  EignarhaldsflgvtryggingasviWieiguvtryggingaflags.P݌  Ќ     ViWmatgjaldYolsstWuvtryggingaflagssem,gegnumeignarhaldsflagvtrygg  ingasviWieWablandaWeignarhaldsflagfjrmlastarfsemi,annaWvtryggingaflagaWd;ttur i eWahlutdeildarflagi,hvortsemYaWhefurhfuWstWvarhrlandi,WruaWildarrkieWa \4 utanaWildarrkja,skaltakatillittilstWueignarhaldsflagsins. '   ViWmatiWskallitiWeignarhaldsflagiWeinsogYaWsvtryggingaflagsamkvmt  kvWumXVI.kaflalagaumvtryggingastarfsemivegnagjaldYolskrfuogXV.kaflasmu  lagavegnaviWurkenndragjaldYolsliWatilaWmtagjaldYolskrfu. `    HafieignarhaldsflagvkjandilneWaaWragjaldYolsliWisemhWirerutakmrkunumskv. S+! 94.gr.lagaumvtryggingastarfsemiskuluYeirviWurkenndiruppaWYvmarkisemheimilt " erskv.XV.kaflasmulaga. #   AWeinserheimiltaWtakaviWurkenndagjaldYolsliWieignarhaldsflagsinnmatgjaldYoli  $ vtryggingasamstWuhafiFjrmlaeftirlitiWsamYykktYskv.4.mgr.90.gr.lagaumv !W% tryggingastarfsemi. J""& Q|    Q|p  17.gr.Q|p݌ #( Ќ   P    P  Jafngildivegnad;tturoghlutdeildarflagautanaWildarrkja.P,݌ $ ) Ќ     LitiWskalsamstWuvtryggingaflagssemd;ttureWahlutdeildarflagutanaWildar v%N!* rkjasemtengtvtryggingaflagviWmatgjaldYolsstWu.HafivtryggingaflaghfuWstWv A&"+  arutanaWildarrkis,YarsemvtryggingastarfsemierstarfsleyfisskyldoglggjfumgjaldYol  '", og& a  gjaldYolskrfuera.m.k.jafngildkvWumlagaumvtryggingastarfsemi,geturFjrmla ( eftirlitiWheimilaWaWmatgjaldYolskrfufarisamkvmtlggjfYessrkis.  'a(j  EfFjrmlaeftirlitiWereftirlitsstj;rnvaldsamstWukvarWarYaWjafngildigjaldYolskrafna  aWhfWusamrWiviWhlutaWeigandieftirlitsstj;rnvldaWbeiWnisamstWunnareWaaWeigin a frumkvWi.FjrmlaeftirlitiWgeturekkitekiWkvarWanirumjafngildisemgangagegnfyrri T, fordmumnemaforsendurfyrirkvrWuninnihafibreystverulega.    Eftirlitsstj;rnvaldsemer;sammlakvrWunFjrmlaeftirlitsinsgeturvsaWmlinutil  Evr;pskuvtryggingaoglfeyrissj;WaeftirlitsstofnunarinnareWaEftirlitsstofnunarEFTA   eftirYvsemviWskv.19.gr.reglugerWarEvr;puYingsinsogrWsins(ESB)nr._1094/2010_  X umEvr;pskuvtryggingaoglfeyrissj;Waeftirlitsstofnunina.samahttgeturFjrmla K #  eftirlitiW,efYaWerekkieftirlitsstj;rnvaldsamstWu,vsaWmlitilEftirlitsstofnunarEFTA    efYaWer;sammlakvrWuneftirlitsstj;rnvaldssamstWu.VsaYarfmlitileftirlitsstofn    unarinnanYriggjamnaWafrYvaWeftirlitsstj;rnvaldiWfkktilkynninguumkvrWunfr   eftirlitsstj;rnvaldisamstWunnar. wO    FjrmlaeftirlitiWskalbirtavefsWusinnilistayfirrkisemteljastjafngildsamkvmt B  YessukvWi.    Q|    Q|  18.gr.Q|-݌ {  Ќ   P    P  FjrmlafyrirtkiogrekstrarflgverWbrfasj;Wa nF semerud;ttureWahlutdeildarflg.P°݌ 9 Ќ     XegargjaldYolsstaWavtryggingasamstWuerreiknuWfyrirvtryggingaflagsemfjr  mlafyrirtkieWarekstrarflagverWbrfasj;WaaWd;ttureWahlutdeildarflagierflaginu  heimiltaWmetagjaldYolsstWusamrmiviWlgumviWb;tareftirlitmeWfjrmlasamsteyp r um.TeljiFjrmlaeftirlitiWsemeftirlitsstj;rnvaldsamstWuaWsamYttingstj;rnunarsam e= stWuoginnraeftirlitsekkiviWunandihjflgumsemttuaWteljastmeWsamstWu 0 uppgjrinuskaleingnguheimiltaWnotafrdrttarogsamlagningaraWferWeWasambland  afsamstWuuppgjrsaWferWinniogfrdrttarogsamlagningaraWferWinnisamkvmtlgum  umviWb;tareftirlitmeWfjrmlasamsteypum.SamrmiskalveravaliaWferWmillira. i   EfFjrmlaeftirlitiWereftirlitsstj;rnvaldsamstWugeturYaWaWbeiWnihluteignarflags \4 eWaaWeiginfrumkvWiheimilaWvtryggingasamstWuaWdragaeignarhlutskv.1.mgr.fr ' viWurkenndumgjaldYolsliWumsamstWuhluteignarflagsins.  Q|    Q|  19.gr.Q|;݌ `  Ќ   P    P  NauWsynlegarupplUsingarekkitiltkar.Pз݌ S+! Ќ     EfupplUsingarfrd;ttureWahlutdeildarflagimeWhfuWstWvarerlendissemnauWsyn " legarerutilmatsgjaldYolsstWusamstWuvtryggingaflagseruekkitiltkarhjFjr # mlaeftirlitinuskalvirWiYessflagsdregiWfrviWurkenndumgjaldYolsliWumtilaWmta  $ gjaldYolisamstWunnarb;kumhluteignarflagsins. !W%   EfupplUsingareruekkitiltkarskaldulinnhagnaWursemmyndastviWslkaeignekki J""& viWurkenndursemgjaldYolsliWurtilaWmtagjaldYolisamstWunnar. #' Q|    Q|,  20.gr.Q|,S݌ $ ) Ќ   P    P  MatgjaldYolsstWu.StWluWaWferW.P݌ v%N!* Ќ     MatgjaldYolsstWuhluteignarflagsskalbyggtsamstWuuppgjri. A&"+   GjaldYolsstaWahluteignarflagsermismunurviWurkenndragjaldYolsliWatilaWmtagjald  '", YolskrfusemmetnirerugrundvelligagnafrvtryggingasamstWuoggjaldYolskrfuv '#- tryggingasamstWu&  semmetinergrundvelligagnafrvtryggingasamstWunni.kvWi ( lagaumvtrygginga'(starfsemigildaumtreikninginn.    GjaldYolskrfuvtryggingasamstWuskalannaWhvortmetameWstaWalreglueWaviWur  kenndueiginlkanisamkvmtkvWumlagaumvtryggingastarfsemiogskalbyggW a ggnumsamstWunnar. T,   GjaldYolskrafasamstWuskalaWlgmarkiverasamtalalgmarksfjrmagnshluteignar  flagsinsskv.112.gr.lagaumvtryggingastarfsemioghlutdeildarlgmarksfjrmagnid;tt  uroghlutdeildarflagasamrmiviWeignarhluthluteignarflagsins.Lgmarkiskalmtt   meWviWurkenndumgjaldYolsliWum94.gr.lagaumvtryggingastarfsemi.  X   ViWmatYvhvortviWurkenndirgjaldYolsliWirsutilYessfallniraWmtalgmarks K #  gjaldYolskrfuvtryggingasamstWugildakvWi11.!19.gr.Yessaralagaog1.og2.mgr.    118.gr.lagaumvtryggingastarfsemi,aWbreyttubreytanda.    Q|    Q|  & X 21.gr.Q|F݌ wO  Ќ   P    P  EigiWlkansamstWu.P݌ B  Ќ     Ums;knumheimildtilaWnotaeigiWlkantilaWmetagjaldYolskrfuvtryggingasam    stWuoggjaldYolskrfueinstakravtryggingaflagasamstWunniskalsendaFjrmlaeftir   litinuefYaWereftirlitsstj;rnvaldsamstWunnar.XaWskalsendaums;kninatilannarraaWila {  samstarfsh;pieftirlitsstj;rnvaldaogskalsamvinnuviWviWeigandieftirlitsstj;rnvld nF annarraaWildarrkjakveWahvortheimiltsaWnotalkaniWogskilyrWifyrirslkriheimild, 9 efviW.'Xwe    kvrWunumums;knskv.1.mgr.skaltakainnansexmnaWafrYvaWeftirlitsstj;rn  valdsamstWunnarfkkfullbnaums;kn.kvrWuninerbindandi. r   Efeitthverteftirlitsstj;rnvaldvsarmlinutilEvr;pskuvtryggingaoglfeyrissj;Wa e= eftirlitsstofnunarinnareWaEftirlitsstofnunarEFTA,eftirYvsemviW,erkvrWuneftirlits 0 stofnunarinnarbindandi.EkkierunntaWvsamlitileftirlitsstofnunareftiraWsexmnaWa  fresturskv.2.mgr.erliWinn.    Takieftirlitsstj;rnvldekkikvrWuninnansexmnaWaogmlierekkivsaWtilEvr;psku i vtryggingaoglfeyrissj;WaeftirlitsstofnunarinnareWaEftirlitsstofnunarEFTAskalFjr \4 mlaeftirlitiW,efYaWereftirlitsstj;rnvaldsamstWunnar,takakvrWunumums;knskv.1. ' mgr.SkvrWunerbindandi.ViWtkukvrWunarskaltakatillittilsj;narmiWaogfyrirvara  semhafakomiWfrWrumeftirlitsstj;rnvldum.FjrmlaeftirlitiWskaltilkynnaumskjanda  oghinumeftirlitsstj;rnvldunumumrkstuddakvrWunsna. `    TeljiFjrmlaeftirlitiWaWhttusniWvtryggingaflagsundireftirlitiYessvkiverulega S+! frforsendumviWurkenndseiginlkansvtryggingasamstWuogvtryggingaflagiWrWur " ekkib;tYvgeturFjrmlaeftirlitiWlagtYaWviWb;targjaldYolskrfuvegnaums;knarinnar # skv.32.gr.lagaumvtryggingastarfsemi.  $   TeljiFjrmlaeftirlitiWslkaviWb;targjaldYolskrfuekkieigaviWgeturYaWundantekn !W% ingartilvikumkrafistYessaWvtryggingaflagiWmetigjaldYolskrfusnameWstaWalreglu J""& samkvmtlgumumvtryggingastarfsemi.FjrmlaeftirlitiWgeturlagtviWb;targjaldYols #' krfuvtryggingaflagiWvegnanotkunarstaWalregluskv.1.og3.tlul.1.mgr.32.gr.laga #( umvtryggingastarfsemi. $ )   FjrmlaeftirlitiWtilkynnirumskjandaogsamstarfsh;pieftirlitsstj;rnvaldasamstWuum v%N!*  kvrWunskv.5.og6.mgr. A&"+ _& ,    FjrmlaeftirlitiWseturreglurumkrfur,semums;knskv.1.mgr.YarfaWfullngjaYegar ( tekinerkvrWunmeWWrumeftirlitsstj;rnvldum,sembyggjasttknilegumfram  kvmdastWlumEvr;pskuvtryggingaoglfeyrissj;Waeftirlitsstofnunarinnar.  ',(Q|    Q|  22.gr.Q|=݌ T, Ќ   P    P  ViWb;targjaldYolskrafa.P݌  Ќ     ViWkvrWunYesshvortgjaldYolskrafavtryggingasamstWuendurspeglarviWeigandi  htthttusniWsamstWunnarskalFjrmlaeftirlitiW,efYaWereftirlitsstj;rnvaldsamstW   unnar,kannahvortaWstWurskv.1.og3.tlul.1.mgr.32.gr.lagaumvtryggingastarfsemi  X eigiviW.Srstaklegaskalmeta: K #  / /"i0J"  i0JF2g  a  .3  Ԉ0    hvortsrstkhttasamstWunnaryrWiekkingjanlegavelmetinmeWstaWalreglunni    eWaeiginlkanivegnaYessaWerfittvriaWmlahana,i0JFs݌   Ќ  "i0J"  i0J2g  b  .3  Ԉ0    hvorteftirlitsstj;rnvald,annaWenFjrmlaeftirlitiW,hafilagtviWb;targjaldYolskrfu   d;ttureWahlutdeildarflagskv.32.gr.lagaumvtryggingastarfsemiog21.gr.Yessara wO  laga.i0J݌B  Ќ    EfhttusniWvtryggingasamstWukemurekkiviWeigandihttframgjaldYolskrfu    samstWunnargeturFjrmlaeftirlitiWlagtviWb;targjaldYolskrfusamstWuna.     kvWi32.gr.lagaumvtryggingastarfsemiumviWb;targjaldYolskrfugildaumv {  tryggingasamstWuraWbreyttubreytanda. nF Q|    Q|s  23.gr.Q|s݌  Ќ   P    P  BtreikningurgjaldYolsstWu.ValkvWaWferW.P/݌  Ќ     GjaldYolsstaWavtryggingasamstWuhluteignarflagsermismunursamanlagWrarfjr r hWarviWurkenndragjaldYolsliWaskv.2.mgr.annarsvegarogsamanlagWrareignarhlut e= deildarhluteignarflagsinsd;tturoghlutdeildarflgumogsamanlagWrargjaldYolskrfu 0 skv.3.mgr.hinsvegar.    SamanlgWfjrhWviWurkenndragjaldYolsliWaersamtalaviWurkenndragjaldYolsliWatil  aWmtagjaldYolskrfuhluteignarflagsoghlutdeildarhluteignarflagsviWurkenndum i gjaldYolsliWumtilaWmtagjaldYolskrfud;tturoghlutdeildarflaga. \4   SamanlgWgjaldYolskrafavtryggingasamstWuersamtalagjaldYolskrfuhluteignar ' flagsoghlutdeildarhluteignarflagsgjaldYolskrfud;tturoghlutdeildarflaga.    Xegareignarhluturd;ttureWahlutdeildarflagieraWlluleytieWaaWhlutabyggWur  ;beinueignarhaldiskalverWgildieignarhluteignarflagsinsYvflagitakatillittilslks `  ;beinseignarhalds.XskaltakatillittilsameiginlegrahagsmunaogviWmatliWumskv.2. S+! og3.mgr.skaltakatillittilhlutdeildarhluteignarflagsinssamrmiviWbeintog;beint " eignarhald. #   kvWi21.gr.umeigiWlkansamstWueigaviWumtreikningsamkvmtYessarigrein  $ YegarvtryggingaflgsamstWueWafjrmlasamsteypuskjaumheimildtilaWnotaeigiW !W% lkantilaWmetagjaldYolskrfusamstWugrundvelli. J""&   ViWkvrWunYvhvortsamanlgWgjaldYolskrafaskv.3.mgr.endurspeglarviWeigandi #' htthttusniWvtryggingasamstWuskalFjrmlaeftirlitiWsrlagifylgjastmeWsrtkum #( httuYttumsamstWugrundvellisemerekkimttsvofullngjandisvegnaYessaWerfitt $ ) eraWmlaY. v%N!*   HgteraWleggjaviWb;targjaldYolskrfuvtryggingasamstWuYegarhttusniWhennar A&"+  vkurverulegafrforsendumsamanlagWrar_gjaldYolskrfu.  '", & a    kvWi32.lagaumvtryggingastarfsemiumviWb;targjaldYolskrfugildaaWbreyttu ( breytanda.  'a(Q|    Q|  24.gr.Q|݌ a Ќ   P    PX  GjaldYolsstaWasamstWu.PX݌ T, Ќ     Efvtryggingaflagerd;tturflageignarhaldsflagsvtryggingasviWieWablandaWs  eignarhaldsflagsfjrmlastarfsemiskalFjrmlaeftirlitiW,efYaWereftirlitsstj;rnvaldsam  stWu,hafaeftirlitmeWaWmatgjaldYolsstWuvtryggingasamstWutakitileignarhalds   flagsinsskv.10.!13.gr.  X   ViWmatiWskallitiWm;WurflagiWeinsogYaWvrivtryggingaflagoggildakvWi K #  XVI.kaflalagaumvtryggingastarfsemiumgjaldYolskrfuogviWurkenndagjaldYolsliWitil    aWmtahenni.    Q|    Q|  25.gr.Q|݌ wO  Ќ   P    P  SkilyrWimiWlgrarhttustUringar.P݌ B  Ќ     kvWi27.og28.gr.gildaumvtryggingaflgsemerud;tturflgvtryggingaflaga,    eignarhaldsflagavtryggingasviWieWablandaWraeignarhaldsflagafjrmlastarfsemief   eftirfarandiskilyrWierulluppfyllt: {  / /"i0J"  i0J2g  a  .3  Ԉ0    d;tturflagiWerundirsamstWueftirlitiFjrmlaeftirlitsinssemeftirlitsstj;rnvaldssam nF stWunnar,i0J݌9 Ќ  "i0J"  i0J2g  b  .3  Ԉ0    httustUringoginnraeftirlitm;Wurflagsinsnryfird;tturflagiWlkaogm;Wur  flagiWgetursUntviWeigandieftirlitsstj;rnvldumframaWd;tturflaginusstj;rnaW  traustanogvarfrinnhtt,i0J>݌r Ќ  "i0J"  i0J2g  c  .3  Ԉ0    m;WurflagiWhefurfengiWsamYykkieftirlitsstj;rnvaldatilYessaWgerasameiginlegt e= eigiWhttuoggjaldYolsmatfyrirvtryggingasamstWunaskv.4.mgr.33.gr.,i0J;݌0 Ќ  "i0J"  i0J2g  d  .3  Ԉ0    m;WurflagiWhefurfengiWsamYykkieftirlitsstj;rnvaldatilYessaWgerasameiginlega  skUrsluumgjaldYologfjrhagslegastWufyrirvtryggingasamstWunaskv.2.mgr.  41.gr.,i0J݌i Ќ  "i0J"  i0J2g  e  .3  Ԉ0    m;WurflagiWhefurfengiWheimildskv.27.og28.gr.ogums;knhefurveriWafgreidd \4 skv.26.gr.i0J݌' Ќ  Q|    Q|  26.gr.Q|+݌  Ќ   P    P  kvrWunummiWlgahttustUringu.P݌ `  Ќ     FjrmlaeftirlitiWskalsamrWiviWeftirlitsstj;rnvldsamstarfsh;pieftirlitsstj;rnvalda S+! kveWahvortd;tturflgvtryggingaflagsgetifalliWundirsameiginlegteigiWhttuog " gjaldYolsmatskv.27.og28.gr.oghvortYaWskulihWsrstkumskilyrWum.D;tturflag # meWstarfsleyfihrlandiskalsendaums;kntilFjrmlaeftirlitsins.FjrmlaeftirlitiWsendir  $ fullbnaums;kntilannarraeftirlitsstj;rnvaldasamstarfsh;pieftirlitsstj;rnvalda. !W%   HlutaWeigandieftirlitsstj;rnvldskulugeraalltsemYeirravaldistendurtilaWkomastaW J""& sameiginlegrikvrWunumums;knskv.1.mgr.innanYriggjamnaWafrYvaWums;knin #' telstfullgild.FjrmlaeftirlitiWskaltilkynnaumskjandaoghlutaWeigandieftirlitsstj;rn #( vldumumrkstuddakvrWuneftirlitsstj;rnvalda. $ )   Efeitthverteftirlitsstj;rnvaldannavsarmlitilEvr;pskuvtryggingaoglfeyrissj;Wa v%N!* eftirlitsstofnunarinnareWaEftirlitsstofnunarEFTAskv.19.gr.reglugerWarEvr;puYingsins A&"+  ogrWsins(ESB)nr.1094/2010umEvr;pskuvtryggingaoglfeyrissj;Waeftirlitsstofnunina  '", skal& a  FjrmlaeftirlitiW,efYaWereftirlitsstj;rnvaldsamstWunnar,takakvrWunsamrmi ( viWniWurstWueftirlitsstofnunarinnar.kvrWuninerbindandi.  'a(?  EftiraWYriggjamnaWafresturskv.2.mgr.erliWinneWasameiginlegkvrWunhefurveriW  tekinerekkiunntaWvsamlitileftirlitsstofnunar. a   EfkvrWuneftirlitsstofnunarerhafnaWskv.2.og3.mgr.41.gr.og1.mgr.44.gr. T, reglugerWarEvr;puYingsinsogrWsins(ESB)nr.1094/2010umEvr;pskuvtryggingaog  lfeyrissj;WaeftirlitsstofnuninaskalFjrmlaeftirlitiWtakakvrWun.SkvrWunerbind  andi.     FjrmlaeftirlitiWseturreglursembyggjasttknilegumframkvmdastWlumEvr;psku  X vtryggingaoglfeyrissj;WaeftirlitsstofnunarinnarumframkvmdsameiginlegrarkvrW K #  unarskv.2.mgr.      Efeftirlitsstj;rnvldtakaekkisameiginlegakvrWuninnanYriggjamnaWafrestsinsskal    FjrmlaeftirlitiW,efYaWereftirlitsstj;rnvaldsamstWu,takakvrWunumums;knskv.1.   mgr.FjrmlaeftirlitiWskaltakatillittilsj;narmiWaogfyrirvarahlutaWeigandieftirlitsstj;rn wO  valdaogeftirlitsstj;rnvaldannasamstarfsh;pieftirlitsstj;rnvalda.kvrWuninskalrkstudd B  oghenniskulutilgreindsj;narmiWogfyrirvararhlutaWeigandieftirlitsstj;rnvalda.kvrW    uninerbindandi.FjrmlaeftirlitiWskaltilkynnad;tturflaginuogsamstarfsh;pieftirlits   stj;rnvaldaumkvrWunina. {  Q|    Q|$  27.gr.Q|$K݌ 9 Ќ   P    P  MiWlghttustUring.kvrWunumgjaldYolskrfu.P݌  Ќ     EfgjaldYolskrafad;tturflagsermetinmeWeiginlkanigeturFjrmlaeftirlitiWlagttilaW  lgWverWiviWb;targjaldYolskrafad;tturflagiWumframYgjaldYolskrfusemfstmeW r notkunlkansinsefYaWteluraWhttusniWd;tturflagsinsvkiverulegafrforsendumlk e= ansinsogflagiWhefurekkibrugWistviWeigandihttviWathugasemdumFjrmlaeftirlitsins. 0 FjrmlaeftirlitiWgeturundantekningartilvikumkrafistYessaWd;tturflagiWmetigjaldYols  krfuYesssamkvmtstaWalreglunni.FjrmlaeftirlitiWskalkynnaslkakvrWunfyrir  d;tturflaginuogsamstarfsh;pieftirlitsstj;rnvalda. i   EfgjaldYolskrafad;tturflagsermetinsamkvmtstaWalreglugeturFjrmlaeftirlitiW, \4 undantekningartilvikum,lagttilaWd;tturflagiWskiptistikumstaWalreglunnitfyrirstikur ' semerueinkennandifyrirflagiWsjlftviWmatgjaldYolskrfuvegnalf,skaWaogheilsu  tryggingahttuskv.32.gr.lagaumvtryggingastarfsemiefYaWteluraWhttusniWYess  vkiverulegafrforsendumstaWalreglunnarogvtryggingaflagiWhefurekkibrugWistviW `  eigandihttviWathugasemdumFjrmlaeftirlitsins. S+!   FjrmlaeftirlitiWskalkynnatillgunafyrird;tturflaginuogsamstarfsh;pieftirlitsstj;rn " valda. #   kvrWunsamstarfsh;pseftirlitsstj;rnvaldavegnatillguFjrmlaeftirlitsinssamkvmt  $ Yessarigreinskalverabindandi. !W%   EfFjrmlaeftirlitiWogeftirlitsstj;rnvaldsamstWueru;sammlageturFjrmlaeftirlitiW J""& vsaWmlinutilEftirlitsstofnunarEFTAinnanmnaWarfrkvrWunsamstarfsh;pseftirlits #' stj;rnvalda.SamagildirefFjrmlaeftirlitiWereftirlitsstj;rnvaldsamstWunnar.Eftirlits #( stofnunEFTAtekurkvrWuninnanmnaWarskv.2.mgr.19.gr.reglugerWarEvr;puYingsins $ ) ogrWsins(ESB)nr.1094/2010umEvr;pskuvtryggingaoglfeyrissj;Waeftirlitsstofnunina. v%N!* EkkierunntaWvsamlitilEftirlitsstofnunarEFTAeftiraWmnaWarfresturinnerliWinneWa A&"+ samstarfsh;pureftirlitsstj;rnvaldahefurtekiWkvrWun.kvrWuneftirlitsstofnunarinnar  '", erbindandi. '#- ЇQ|    Q|  28.gr.Q|݌ ( Ќ   P    Pd  MiWlghttustUring.GjaldYolskrfuogkrfuumlgmarksfjrmagnekkifullngt.Pd݌  Ќ     Fullngid;tturflagekkigjaldYolskrfuskalFjrmlaeftirlitiWntafarsendasamstarfs  h;pieftirlitsstj;rnvaldaendurreisnartlunYessskv.117.gr.lagaumvtryggingastarfsemi a Yarsemframkemurhvernigd;tturflagiWhyggstfullngjagjaldYolskrfuinnansexmnaWa T, frYvaWlj;stvaraWflagiWfullngWihenniekki.    Samstarfsh;pureftirlitsstj;rnvaldaskalgeraalltsemhansvaldistendurtilaWnsam  komulagiumtluninainnanfjgurramnaWafrYvaWlj;stvaraWd;tturflagiWfullngWi   ekkigjaldYolskrfunni.EfsamkomulagnstekkiskalFjrmlaeftirlitiWtakakvrWunum  X hvortsamYykkjaskuliendurreisnartlunina,aWteknutillititilsj;narmiWaogfyrirvaraann K #  arraeftirlitsstj;rnvaldasamstarfsh;pieftirlitsstj;rnvalda.      KomistFjrmlaeftirlitiWaWYvaWfjrhagsstaWad;tturflagsfariversnandi,sbr.115.gr.    lagaumvtryggingastarfsemi,skalYaWtilkynnasamstarfsh;pieftirlitsstj;rnvaldantafar   umfyrirhugaWareftirlitsaWgerWir.EfekkierumneyWartilvikaWrWaskalfarayfireftirlits wO  aWgerWirnarsamstarfsh;pieftirlitsstj;rnvalda.Nisamstarfsh;pureftirlitsstj;rnvaldaekki B  samkomulagiumtillgurFjrmlaeftirlitsinsinnanmnaWarfrtilkynninguskalFjrmla    eftirlitiWkveWahvortgripiWskulitilfyrirliggjandiaWgerWa,aWteknutillititilsj;narmiWaog   fyrirvaraannarraeftirlitsstj;rnvaldasamstarfsh;pieftirlitsstj;rnvalda. {    Fullngid;tturflagekkikrfuumlgmarksfjrmagnskalFjrmlaeftirlitiWntafar nF sendasamstarfsh;pieftirlitsstj;rnvaldafjrmgnunartlunsvoaWkrfuumlgmarksfjr 9 magnsfullngtinnanYriggjamnaWafrYvaWlj;stvaraWflagiWuppfylltiekkikrfuna,  sbr.118.gr.lagaumvtryggingastarfsemi.EinnigskalupplUsasamstarfsh;peftirlitsstj;rn  valdaumrWstafanirFjrmlaeftirlitsinssemeigaaWtryggjaaWd;tturflagiWfullngikrfum r umlgmarksfjrmagn. e=   FjrmlaeftirlitiWgeturvsaWmlitilEftirlitsstofnunarEFTAog;skaWaWstoWarvegna 0 greiningsumsamYykkiendurreisnartlunar,YarmeWal;samkomulagsumframlengingu  fjgurramnaWafrestiskv.2.mgr.oggreiningsumaWsamYykkjafyrirhugaWareftirlits  aWgerWirinnanmnaWarskv.3.mgr. i   EkkierunntaWvsamlitilEftirlitsstofnunarEFTA: \4 / /"i0J"  i0J 2g  a  .3  Ԉ0    eftiraWfjgurramnaWafresturskv.2.mgr.eWamnaWarfresturskv.3.mgr.erliWinn,i0J !!݌' Ќ  "i0J"  i0J9"2g  b  .3  Ԉ0    eftiraWsamstarfsh;pureftirlitsstj;rnvaldahefurnWsamkomulagiskv.2.mgr.og3.  mlsl.3.mgr.,i0J9"f"݌ Ќ  "i0J"  i0J#2g  c  .3  Ԉ0    efumneyWartilvikeraWrWaskv.2.mlsl.3.mgr.i0J##݌`  Ќ    FjrmlaeftirlitiWsemeftirlitsstj;rnvaldsamstWuskalfrestahrifumkvrWunarefmli S+! ervsaWtilEftirlitsstofnunarEFTAeWaEvr;pskuvtryggingaoglfeyrissj;Waeftirlitsstofn " unarinnar.kvrWuneftirlitsstofnunarerbindandi.FjrmlaeftirlitiWskaltilkynnad;ttur # flaginuogsamstarfsh;pieftirlitsstj;rnvaldaumkvrWunina.  $ Q|    Q|&  29.gr.Q|&&݌ J""& Ќ   P    P-'  MiWlghttustUringfellurniWur.P-'W'݌ #' Ќ     kvarWanirskv.27.og28.gr.fallaniWuref: #( / /"i0J"  i0Jp(2g  a  .3  Ԉ0    skilyrWumaliWar25.gr.erekkilengurfullngt,i0Jp((݌$ ) Ќ  "i0J"  i0J)2g  b  .3  Ԉ0    skilyrWumbliWar25.gr.erekkilengurfullngtogvtryggingasamstWagerirekki v%N!* nauWsynlegarendurbturinnanviWeiganditmatilaWuppfyllaskilyrWin,i0J))݌A&"+   "i0J"  i0J2+2g  c  .3  Ԉ0    skilyrWumcogdliWar25.gr.erekkilengurfullngt.i0J2+_+݌ '", Ќ  & a      0tilvikumaliWar1.mgr.kveWurFjrmlaeftirlitiW,semeftirlitsstj;rnvaldsamstWu, ( samrWiviWsamstarfsh;peftirlitsstj;rnvaldaaWd;tturflagsekkilengurhlutiafsamstWu  'a(M,eftirlitiYessogskalntafartilkynnaviWeigandieftirlitsstj;rnvaldiogm;WurflagiumY  kvrWun. a   M;WurflagberbyrgWaWskilyrWib!dliWar25.gr.suuppfyllthverjumtma.Su T, skilyrWinekkiuppfylltskalm;WurflagiWntafarupplUsaeftirlitsstj;rnvaldsamstWuog  eftirlitsstj;rnvaldd;tturflagsumYaWogframvsatlunumhvernigskilyrWinverWa  uppfylltafturinnantilhlUWilegratmamarka.     XrttfyrirkvWi3.mgr.skalFjrmlaeftirlitiW,semeftirlitsstj;rnvaldsamstWu,sann  X reynaa.m.k.rlegaaWskilyrWumb!dliWar25.gr.sfullngt.FjrmlaeftirlitiWskaleinnig K #  sannreynaskilyrWinaWbeiWnieftirlitsstj;rnvaldsd;tturflags.LeiWiathugunFjr    mlaeftirlitsinslj;saWskilyrWinsuekkiuppfylltskalm;WurflagiWframvsatlunum    hvernigskilyrWinverWaafturuppfylltinnantilhlUWilegratmamarka.     EfFjrmlaeftirlitiWtelur,eftirsamrWinnansamstarfsh;pseftirlitsstj;rnvalda,aWtlun wO  skv.3.eWa4.mgr.s;fullngjandieWahnerekkiinnleiddinnantmamarkaskalYaWlta B  svoaWskilyrWumb!dliWar25.gr.sekkilengurfullngtogntafarupplUsaviWeigandi    eftirlitsstj;rnvaldumYaW.     Fyrirkomulagskv.27.og28.gr.telstafturgildiYegarm;WurflagsendirnUjaums;kn {  ogfrsamYykkiskv.26.gr. nF Q|    Q|5  30.gr.Q|565݌  Ќ   P    P5  D;tturflg.P55݌  Ќ     kvWi25.!29.gr.gilda,aWbreyttubreytanda,umd;tturflgeignarhaldsflagav r tryggingasviWieWablandaWraeignarhaldsflagafjrmlastarfsemi. e= V|    V|*7  &  III.KAFLIV|*7Q7݌  Ќ   U     U7  SamYjppunhttuogviWskiptiinnanvtryggingasamstWu.U77݌  Ќ    Q|    Q|8  31.gr.Q|88݌ i Ќ   P    P09  EftirlitmeWsamYjppunhttu.P09Z9݌ \4 Ќ     Vtryggingaflg,eignarhaldsflgvtryggingasviWieWablnduWeignarhaldsflg ' fjrmlastarfsemiskulua.m.k.rlegaskilaggnumtilFjrmlaeftirlitsins,efYaWereftirlits  stj;rnvaldsamstWu,umverulegasamYjppunhttusamstWugrundvelli.'p7    M;WurflagvtryggingasamstWuberbyrgWYvaWggnumskv.1.mgr.sskilaWtil `  Fjrmlaeftirlitsins.Efm;WurflagiWerekkivtryggingaflagskaleignarhaldsflagv S+! tryggingasviWi,blandaWeignarhaldsflagfjrmlastarfsemieWavtryggingaflagsamstW " unnisemFjrmlaeftirlitiWkveWur,eftirsamrWviWviWeigandieftirlitsstj;rnvldogsam # stWunasjlfa,skilaggnunum.  $   EftirlitmeWsamYjppunhttufellurundireftirlitsferliFjrmlaeftirlitsinssemeftirlits !W% stj;rnvaldssamstWu. J""&   FjrmlaeftirlitiWsemeftirlitsstj;rnvaldsamstWuskal,eftirsamrWviWviWeigandieftir #' litsstj;rnvldogvtryggingasamstWuna,tilgreinaYrtegundirhttusemvtryggingaflg #( tiltekinnisamstWuskuluvalltgeragreinfyrirskv.1.mgr.Takaskaltillittilsrstakrar $ ) httuogskipulagshttustUringarvtryggingasamstWunni. v%N!*   FjrmlaeftirlitiWskalennfremurtilgreina,aWhfWusamrWiviWviWeigandieftirlitsstj;rn A&"+ vldogvtryggingasamstWu,hvaWtelstverulegsamYjppunhttuaWteknutillititilgjald  '", YolskrafnaeWavtryggingaskuldareWahvorstveggja. '#-   FjrmlaeftirlitiWskalfylgjastsrstaklegameWmgulegrihttusmithrifuminnanv ( tryggingasamstWuoghttuhagsmunarekstrumaukstigsogumfangshttu.    FjrmlaeftirlitiWseturreglursembyggjasttknilegumframkvmdastWlumEvr;psku  vtryggingaoglfeyrissj;WaeftirlitsstofnunarinnarumhvernigverulegsamYjppunhttu a erskilgreindogviWmiWunarmrkskv.4.mgr.,hvaWaformivtryggingasamstWurskulu T, skilaupplUsingumumverulegasamYjppunhttuogferliviWslkaupplUsingagjf.  Q|    Q|SD  32.gr.Q|SDzD݌   Ќ   P    PD  EftirlitmeWviWskiptuminnanvtryggingasamstWu.PDE݌  X Ќ     Vtryggingaflg,eignarhaldsflgvtryggingasviWieWablnduWeignarhaldsflg K #  fjrmlastarfsemiskulua.m.k.rlegaskilaggnumtilFjrmlaeftirlitsins,efYaWer    eftirlitsstj;rnvaldsamstWu,umumtalsverWviWskiptivtryggingaflagainnanvtrygginga    samstWu,YarmeWalviWskiptiviWeinstaklingameWnintengslviWflagsamstWunni.   kvWiWekkiviWef2.mgr.5.gr.gildirumvtryggingasamstWuna. wO    UpplUsingumumafarumtalsverWviWskiptiinnanvtryggingasamstWuskalskilaWtil B  Fjrmlaeftirlitsinsntafar.      M;WurflagvtryggingasamstWuberbyrgWgagnaskilumtilFjrmlaeftirlitsins.Ef   m;WurflagiWerekkivtryggingaflagskaleignarhaldsflagvtryggingasviWi,blandaW {  eignarhaldsflagfjrmlastarfsemieWavtryggingaflagsamstWunnisemFjrmlaeftir nF litiWkveWur,eftirsamrWviWnnurviWeigandieftirlitsstj;rnvldogvtryggingasamstWuna 9 sjlfa,skilaggnunum.    EftirlitmeWviWskiptuminnanvtryggingasamstWufellurundireftirlitsferliFjrmla  eftirlitsinssemeftirlitsstj;rnvaldssamstWunnar. r   FjrmlaeftirlitiWskalaWhfWusamrWiviWviWeigandieftirlitsstj;rnvldogvtrygginga e= samstWunatilgreinaYrtegundirviWskiptasemvtryggingaflgtiltekinnisamstWu 0 skulugeragreinfyrir.ViWeftirlitmeWviWskiptuminnanvtryggingasamstWuskalFjrmla  eftirlitiWsrlagifylgjastmeWmgulegrihttusmithrifuminnansamstWunnaroghttu  hagsmunarekstrumaukstigsogumfangshttu. i   FjrmlaeftirlitiWseturreglursembyggjasttknilegumframkvmdastWlumEvr;psku \4 vtryggingaoglfeyrissj;WaeftirlitsstofnunarinnarumhvernigafarumtalsverWviWskiptiinn ' anvtryggingasamstWueruskilgreind,hvaWaformivtryggingasamstWurskuluskila  upplUsingumumtilgreindviWskiptiinnansamstWunnarogferliviWslkaupplUsingagjf.  V|    V|O  IV.KAFLIV|OP݌ S+! Ќ   U     UP  httustUringoginnraeftirlit.UPP݌ " Ќ    Q|    Q|:Q  33.gr.Q|:QaQ݌ # Ќ   P    PQ  Stj;rnkerfisamstWu.PQQ݌  $ Ќ     Krfurskv.VIII.kaflalagaumvtryggingastarfsemiumstj;rn,httustUringuoginnra !W% eftirlitskuluaWbreyttubreytandagildaumvtryggingasamstWur.XrttfyrirkvWi1. J""& mlsl.skulukerfivegnahttustUringaroginnraeftirlitsverastarfrktsambrilegallum #' flgumsemfallaundirsamstWueftirlitskv.aogbliW1.mgr.3.gr.tilYessaWauWvelda #( eftirlitsamstWugrundvelli. $ )   XrttfyrirkvWi1.mgr.skalinnraeftirlitskerfivtryggingasamstWuhafaa.m.k.: v%N!* / /"i0J"  i0JLU2g  a  .3  Ԉ0    kerfivegnagjaldYolsvtryggingasamstWutilaWgreinaogmlahttuYttisemskipta A&"+  mliogtilaWtengjaviWurkenndagjaldYolsliWiviWhttuYtti,i0JLUyU݌ '", Ќ  "i0J"  i0JV2g  b  .3  Ԉ0    traustup& a  pgjrsogb;khaldsferlisemfylgistmeWoghefurumsj;nmeWviWskiptum ( innanvtryggingasamstWuogsamYjppunhttu.i0JV)W݌ Ќ  'a(W  EftirlitmeWkerfumoguppgjrsferlumskv.1.og2.mgr.skalverahlutiafeftirlitsferli  FjrmlaeftirlitsinsefYaWereftirlitsstj;rnvaldsamstWu. a   Hluteignarflag,eignarhaldsflagvtryggingasviWieWablandaWeignarhaldsflagfjr T, mlastarfsemiskalframkvmaeigiWhttuoggjaldYolsmatskv.45.gr.lagaumvtrygg  ingastarfsemifyrirvtryggingasamstWuna.EftirlitmeWmatisamstWunnarskalverahluti  afeftirlitsferliFjrmlaeftirlitsins.     SgjaldYolsstaWavtryggingasamstWureiknuWtsamkvmtstaWlaWriaWferWskv.20.  X gr.skalhluteignarflagiW,eignarhaldsflagiWvtryggingasviWieWablandaWaeignarhalds K #  flagiWfjrmlastarfsemigefaFjrmlaeftirlitinuupplUsingarsemsUnamunsamtlu    gjaldYolskrfuallrad;tturoghlutdeildarflagasamstWunniannarsvegaroggjaldYols    krfusamstWunnarhinsvegar.     Hluteignarflag,eignarhaldsflagvtryggingasviWieWablandaWeignarhaldsflagfjr wO  mlastarfsemigeturmeWsamYykkiFjrmlaeftirlitsinsgerteigiWhttuoggjaldYolsmat B  skv.45.gr.lagaumvtryggingastarfsemisamtmisfyrirvtryggingasamstWunaogd;ttur    flgsamstWunnioggertgreinfyrirYvsameiginleguskjali.     WurenFjrmlaeftirlitiWsamYykkirsameiginlegteigiWhttuoggjaldYolsmatskv.6. {  mgr.skalYaWrWfrasigviWeftirlitsstj;rnvldsamstarfsh;pieftirlitsstj;rnvaldaogtaka nF tillittilsj;narmiWaYeirra. 9   GerivtryggingasamstWasameiginlegteigiWhttuoggjaldYolsmatskalYaWsentsam  tmistilallrahlutaWeigandieftirlitsstj;rnvalda.XaWleysirY;ekkihlutaWeigandid;tturflg  undanYeirriskylduaWtryggjaaWskilyrWi45.gr.lagaumvtryggingastarfsemisuuppfyllt. r V|    V|b  V.KAFLIV|b