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B  K|    K|  11.gr.K|ˁ݌   Ќ   J    J5  FjrhagslegstaWa.tlun.J5_݌ {  Ќ    y VtryggingamiWlariskalhverjumtmagetastaWiWviWfjrhagslegarskuldbindingarsnar. nF EflkureruYvaWvtryggingamiWlarieigiekkifyrirfjrhagslegumskuldbindingumsnum 9 skalhanngeraFjrmlaeftirlitinugreinfyrirstWusinniogleggjafyrirYaWtlunumendur  reisnfjrhags.FjrmlaeftirlitiWkveWurhvortYrrWstafanirteljastfullngjandi.   y tlunskv.1.mgr.skalm.a.innihaldatlaWanrekstrarkostnaW,sundurliWaWatlunum r tekjuroggjldogtlaWanefnahagsreikning. e=  y GefirsreikningurvtryggingamiWlaraFjrmlaeftirlitinuvsbendinguumaWvtrygginga 0 miWlarieigiekkifyrirfjrhagslegumskuldbindingumgeturFjrmlaeftirlitiWgerthonumaW  skilatlunskv.1.mgr.   y MeWantlunskv.1.mgr.ergildiskalFjrmlaeftirlitiWekkiframsendatilkynningu i vegnarWagerWavtryggingamiWlaraumstarfsemiWruaWildarrki,sbr.39.og40.gr. \4 K|    K|Ƈ  12.gr.K|Ƈ݌  Ќ   J    JW  StarfsbyrgWartryggingvtryggingamiWlaraog  aWilasemdreifirvtryggingusemaukaafurW.JW݌ `  Ќ    y VtryggingamiWlaraogaWilasemdreifirvtryggingusemaukaafurWerskyltaWhafagildi S+! byrgWartrygginguvegnafjrhagstj;nssemleittgeturafgleysistarfiYeirraeWastarfs " mannaYeirra.SlktrygginggeturveriWvtryggingtekinhjvtryggingaflagisemhefur # starfsleyfihrlandieWannurtryggingjafngildaWmatiFjrmlaeftirlitsins.  $  y StarfsbyrgWartryggingvtryggingamiWlaraskaltekintileinsrssennogvtrygginga !W% fjrhWinaWlgmarkiverajafnvirWi1,25millj;naevraslenskumkr;numvegnahvers J""& tj;nsatviksogjafnvirWi1,85millj;naevraslenskumkr;numvegnaallratj;nsatvikav #' tryggingartmabilinu. #(  y VtryggingamiWlariskalsendaFjrmlaeftirlitinustaWfestinguendurnUjunstarfs $ ) byrgWartryggingar. v%N!*  y VtryggingamiWlariskalbirtaupplUsingarumYaWvefsnumhjhvaWavtryggingaflagi A&"+ hannhefurstarfsbyrgWartryggingueWahvaWaaWrajafngildatrygginguhannhefur,sbr.2.  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T,  y FjrmlaeftirlitiWskalsynjaaWilaskv.1.mgr.umskrningueflgogreglurrkisutan  aWildarrkjagildaumeinneWafleirieinstaklingaeWalgaWilasemaWilinnhefurnintengsl  viWeWavandkvWiviWframkvmdlagaYessarakomavegfyriraWYaWgetisinnteftirlits   hlutverkisnu.  X  y SkrinskalveraaWgengilegvefFjrmlaeftirlitsins. K #   y FjrmlaeftirlitiWskalveitaEvr;pskuvtryggingaoglfeyrissj;Waeftirlitsstofnuninni    upplUsingarrskrnni.    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K|    K|~  18.gr.K|~݌ `  Ќ   J    J  Heiti.J9݌ S+! Ќ    y SeinnmnotaheitiWvtryggingaumboWsmaWursemhefurveriWskrWur. "  y ShttaaWvillstverWinafnierlendsvtryggingaumboWsmannssemstarfarhrlandi # grundvelliX.kaflaoginnlendsvtryggingaumboWsmannsgeturFjrmlaeftirlitiWkrafist  $ YessaWannarvtryggingaumboWsmaWurinnverWiauWkenndursrstaklega. !W% K|    K|  19.gr.K|݌ #' Ќ   J    J  Takmarkanirstarfsemi.J:݌ #( Ќ    y VtryggingaumboWsmaWurskaleinungismiWlafrumtryggingumvegumvtrygginga $ ) flagasemhafastarfsleyfihrlandi.StarfsleyfivtryggingaflagsaWildarrkitelstjafn v%N!* gildastarfsleyfihrlandi,endasuuppfylltskilyrWilagaumvtryggingastarfsemivarWandi A&"+ heimildirtilstofnunartibseWatilaWveitahrYj;nustunstarfsstWvar.  '",  y Fjrmla&  eftirlitiWgetur,YegarsrstakaraWstWurerufyrirhendi,heimilaWundanYgurfr '#- 1.mgr.'' (z$. 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K #  Vextir,semkunnaaWfallavrsluf,rennatileigandaYess.VtryggingaumboWsmaWurer    ekkieigandiinnstWuvrslufjrreikningisamkvmtYessarigreinoginnstWanerekki    hftandlagaWfarargerWahjhonumogstendurutanskuldaraWarviWskiptibihans.    y RWherraseturreglugerWumvrslufjrreikninga. wO  O|    O|  V.KAFLIO|݌    Ќ   N     N"  Hfioghfni.N"L݌   Ќ    K|    K|  22.gr.K|݌ {  Ќ   J    JQ  AlmennhfisoghfniskilyrWivtryggingamiWlaraog nF stj;rnarmannaogframkvmdastj;raYeirra.JQ{݌ 9 Ќ    y Stj;rnarmaWurogframkvmdastj;rivtryggingamiWlaraogeinstaklingurmeWstarfsleyfi  semvtryggingamiWlari:  ! ! *(g004ABCD"A0J"  A0J y2g  a  .3  Ԉ0    skuluhafangilegaYekkingu,faglegahfniogstarfsreynslutilaWgetasinntstarfisnu r tilhlUWileganhtt,A0J݌e=   Ќ  "A0J"  A0J& y2g  b  .3  Ԉ0    skuluhafagottorWspor,A0J&S݌0   Ќ  "A0J"  A0J y2g  c  .3  Ԉ0    megaekkisWustufimmrumhafaveriWrskurWaWirgjaldYrota,A0JK݌   Ќ  "A0J"  A0JJ y2g  d  .3  Ԉ0    megaekkitengslumviWatvinnureksturhafahlotiWd;mfyrirrefsiverWanverknaWsam  kvmtalmennumhegningarlgum,YessumlgumeWalgumumhlutaflg,einkahluta i flg,b;khald,rsreikninga,gjaldYroteWaopinbergjldeWaWrumlgumsemgefur \4 tilefnitilaWtlaaWYeirgetiekkisinntstarfisnuforsvaranleganhtt,A0JJw݌'   Ќ  "A0J"  A0J y2g  e  .3  Ԉ0    megaekkihafasUntafsrhttsemisemgefurtilefnitilaWtlaaWYeirmisnotiaWstWu  snaeWaskaWistarfsemina.A0J݌   Ќ   y FjrmlaeftirlitiWgeturhverjumtmatekiWhfioghfniaWilaskv.1.mgr.tilsrstakrar `  skoWunar. S+!  y BreytingarhfisskilyrWumskulutilkynntartilFjrmlaeftirlitsins. "  y AWilarsamkvmtYessarigreinskulugetasUnthvaWafagYekkinguYeirhafaogaWYeir # fullngihfisskilyrWumYessakvWissemoghfisskilyrWum25.gr.einsogviW.  $  y FjrmlaeftirlitiWseturreglurummathfioghfni. !W% K|    K|  23&  .gr.K|݌ #' Ќ   J    Jg  HfisoghfniskilyrWivtryggingaslumanna.Jg݌ #( Ќ    y VtryggingaslumaWur: $ ) ! !"A0J"  A0J y2g  a  .3  Ԉ0    skalveralgrWaoghafaforrWibisnu,A0J݌v%N!*   Ќ  "A0J"  A0J y2g  b  .3  Ԉ0    skalhafagottorWsporogekkihafasUnt'#ԀafsrhttsemisemgefurtilefnitilaWtlaaW A&"+ hannmisnotiaWstWusnaeWaskaWistarfsemina,A0J݌ '",   Ќ  "A0J"  A0J7 y2g  c  .3  Ԉ0    mekkitengslumviWatvinnureksturhafahlotiWd;mfyrirrefsiverWanverknaWsam '#- kvmtalmennumhegningarlgum,YessumlgumeWalgumum_hlutaflg,einkahluta (z$. flg,b;khald,rsreikninga,gjaldYroteWaopinbergjldeWaWrumlgumsemgefur ( tilefnitilaWtlaaWhanngetiekkisinntstarfisnuforsvaranleganhtt.A0J7d݌   Ќ   y _VtryggingaslumaWur_ԀskalhafangavitneskjuumYrafurWirsemhannmiWlar.   y TilaWtryggjahfi_vtryggingaslumanna_ԀskuluvtryggingaflgogvtryggingamiWlarar a hafastefnuogsrstaktferliYaraWltandisemerendurskoWaWreglulega.0ferlinuskaltil T, greinttilhvaWarWstafanaskuligrpaefbreytingarverWahfi_vtryggingaslumanna_.  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O|    O|   VI.KAFLIO|  ݌ i Ќ   N     N   Starfshttir_vtryggingamiWlara_Ԁog_vtryggingaumboWsmanns_.N G ݌ \4 Ќ    K|    K|-   27.gr.K|- T ݌ ' Ќ   J    J   YfirsUnyfirstarfsemiogsrstakarrWstafanir.J  ݌  Ќ    y VtryggingamiWlariog_vtryggingaumboWsmaWur_ԀskulugtaYessaW:  ! !"A0J"  A0J5 y2g  a  .3  Ԉ0    framkvmdastj;rihafiyfirsUnyfirreksturstarfseminnar,YarmeWalfjrhagslegastWu,A0J5b݌`    Ќ  "A0J"  A0Jz y2g  b  .3  Ԉ0    sstarfsmaWursemhefurumsj;nmeWdaglegristarfsemivegnadreifingarvtryggingar S+! hafiyfirsUnyfirreksturstarfseminnar,A0Jz݌"   Ќ  "A0J"  A0J y2g  c  .3  Ԉ0    fjldi_vtryggingaslumanna_Ԁsemstarfahansvegumshfilegursvofullvstmegi # teljaaWhannhafiyfirsUnyfirreksturinn.A0J!݌ $   Ќ  K|    K|  28.gr.K|݌ J""& Ќ   J    J  RWningareWaverksamningar.JE݌ #' Ќ    y VtryggingamiWlariog_vtryggingaumboWsmaWur_ԀskulugeraskrifleganrWningarog/eWa #( verksamningviW_vtryggingaslumenn_ԀsemeruYj;nustuYeirraeWakomaframfyrirYeirra $ ) hnd.XarskalkveWiWumrttindiogskylduraWila,YarmeWalumaW_vtryggingaslu v%N!* maWur_ԀstarfibyrgWogundirstj;rnogeftirlitiYeirra. A&"+    '", K|    K|.  & ,  29.gr.K|.U݌ ( Ќ   J    J  UmboW.J݌  Ќ    y VtryggingamiWlariskalhafasannanlegtumboWfrviWskiptaviniWurenhanntekurtil  starfafyrir',(shann.0umboWinuskalkomaframhverjuumboWiWfelst,hversuvWtktYaWer a ogtilhvaWaYttastarfssviWihansYaWnr.Einnigskalkomaframhvorthonumerheimilt T, aWtakaviWfjrmunumfyrirhndviWskiptavinarogumskilYeim.  K|    K|k  30.gr.K|k݌   Ќ   J    J  Skilrki.J&݌  X Ќ    y HverssemerYj;nustueWakemurframfyrirhnd_vtryggingamiWlara_ԀeWa_vtrygginga K #  umboWsmanns_ԀskalviWstrfsnframvsafullngjandiskilrkjumsemgefinerutaf_vtrygg    ingamiWlara_ԀeWa_vtryggingaumboWsmanni_Ԁsemhannstarfarfyrir.    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O|    O|#  VII.KAFLIO|##݌ i Ќ   N     N<$  EWlilegirogheilbrigWirviWskiptahttir.Endurgjald.N<$f$݌ \4 Ќ    K|    K| %  32.gr.K| %1%݌ ' Ќ   J    J%  EWlilegirogheilbrigWirviWskiptahttir.J%%݌  Ќ    y DreifingaraWiliskalstarfaheiWarlegan,sanngjarnanogfagleganhttsamrmiviWeWli  legaogheilbrigWaviWskiptahttiogvenjurvtryggingamarkaWiogmeWhagneytendafyrir `  augum.HannskaltryggjaaWallarupplUsingartilviWskiptavina,Y.m.t.markaWsefni,su S+! samrmiviWeWlilegaogheilbrigWaviWskiptahtti.VerWimisbresturYvskalFjrmla " eftirlitiWgefafyrirmliumaWrWinverWib;tYvsemrskeiWishefurfariW. #  y FjrmlaeftirlitiWseturreglurumeWlilegaogheilbrigWaviWskiptahttidreifingaraWila.0  $ reglunumskalm.a.kveWiWumalmennsamskiptiviWviWskiptaviniogmeWhndlunkvartana. !W% K|    K|)  33&  .gr.K|)*݌ #' Ќ   J    J*  Endurgjald.J**݌ #( Ќ    y DreifingaraWiliskaltryggjaaWendurgjaldfyrirdreifinguvtryggingabrj;tiekkibgaviW $ ) YskylduaWhafahagsmunivntanlegsvtryggingartakaaWleiWarlj;siogaWhafaheiWri v%N!* eWlilegaogheilbrigWaviWskiptaht'#/*ti. A&"+  y EndurgjaldmekkiveraYesseWlisaWYaWhvetjitilYessaWmltsmeWtiltekinniv  '",  trygginguumframaWrasemhentarYrfumvntanlegsvtryggingartakabetur. '#-  y & a  VntanlegurvtryggingartakiskalupplUsturumendurgjaldsemdreifingaraWiliYiggureWa ( skilursrvegnaviWskiptanna.SkUrtskalkomaframhvorskuligreiWaendurgjaldiW,vntan  legurvtryggingartakieWavtryggingaflag.'a(-   y AWilisemdreifirvtryggingusemaukaafurWogerundanYeginnlgumYessumskv.2. a mgr.2.gr.skaltryggjaaWendurgjaldssamrmiviWskilyrWi1.og2.mgr. T, O|    O|/  VIII.KAFLIO|/0݌  Ќ   N     Nt0  Afturkllunoginnlgnstarfsleyfis_vtryggingamiWlara_.Nt00݌   Ќ    K|    K|^1  34.gr.K|^11݌  X Ќ   J    J1  stWurafturkllunar.J12݌ K #  Ќ    y FjrmlaeftirlitiWgeturafturkallaWstarfsleyfi_vtryggingamiWlara_ԀYegar:    ! !"A0J"  A0JS3 y2g  a  .3  Ԉ0    vtryggingamiWlarihefurfengiWstarfsleyfigrundvellirangraupplUsingaeWaannan    ;eWlileganhtt,A0JS33݌    Ќ  "A0J"  A0J4 y2g  b  .3  Ԉ0    vtryggingamiWlarihefurekkigildastarfsbyrgWartryggingu,A0J44݌wO    Ќ  "A0J"  A0J5 y2g  c  .3  Ԉ0    eftirlitsgjaldervanskilum,A0J5 6݌B    Ќ  "A0J"  A0J6 y2g  d  .3  Ԉ0    vtryggingamiWlarieWastarfsf;lkhansuppfyllirekkihfisskilyrWisemframkomaV.    kafla,A0J67݌    Ќ  "A0J"  A0J18 y2g  e  .3  Ԉ0    starfsleyfihefurekkiveriWnUttinnant;lfmnaWafrYvaWYaWvarveitt,YvveriW {  ;tvrttafsalaWeWastarfsemihefurveriWhttmeiraensexmnuWisamfellt,A0J18^8݌nF   Ќ  "A0J"  A0J9 y2g  f  .3  Ԉ0    vtryggingamiWlaribrUturaWWruleytialvarlegaeWatrekaWgegnlgumYessumeWa 9 reglum,samYykktumeWareglugerWumsettumsamkvmtYeim.A0J9#:݌   Ќ   y Wurentilafturkllunarkemurskv.1.mgr.skal_vtryggingamiWlara_Ԁveitturhfilegur  fresturtilrb;tasunntaWkomarb;tumviWaWmatiFjrmlaeftirlitsins. r  y ViWafturkllunstarfsleyfisskalFjrmlaeftirlitiWtaka_vtryggingamiWlara_Ԁafskrskv. e= 15.gr. 0 K|    K|g=  35.gr.K|g==݌  Ќ   J    J=  Tilkynningumafturkllunstarfsleyfis.J=">݌ i Ќ    y Afturkllunstarfsleyfi_vtryggingamiWlara_ԀskaltilkynntfyrirsvarsmannieWastj;rn \4 _vtryggingamiWlara_Ԁogrkstuddskriflega.FjrmlaeftirlitiWskalbirtatilkynninguLgbirt ' ingablaWiogvefsnum.StarfrkivtryggingamiWlaritibeWaYj;nustustarfsemiWru  rkiskalsendalgbrumeftirlitsaWilumYvrkitilkynningu.  K|    K|@  36.gr.K|@@݌ S+! Ќ   J    JUA  Innlgnstarfsleyfis.JUAA݌ " Ќ    y HyggistvtryggingamiWlarihttastarfsemi,standihannekkilengurfyrirsjlfstWristarf # semieWastarfihannekkilengurhj_vtryggingamiWlara_Ԁskalhannskilainnstarfsleyfisnu.  $  y WurenvtryggingamiWlarihttirstarfsemiogleggurinnstarfsleyfisittskalhanngera !W% viWeigandirWstafanirtilaWtryggjarttarstWuviWskiptavinasinna.HannskalupplUsaviW J""& semjendursna,Y.e.vtryggingaflgogYsemhafafalasteftirvtryggingu,uminnlgn #' starfsleyfis.HannskaljafnframtleitastviWaWfannantilYessbranaWila,einneWafleiri, #( tilaWtakaaWsraWYj;nustagildandivtryggingarsamninga.HannskalgeraFjrmla $ ) eftirlitinugreinfyrirrWstfunumsnum. v%N!*  y _VtryggingamiWlara_Ԁsemhyggstskilainnstarfsleyfisnuskv.1.mgr.er;heimiltaWsegja A&"+ uppstarfsbyrgWartryggingufyrrenaWfenginnistaWfestinguFjrmlaeftirlitsinsinnlgn  '",  leyfis. '#-  y &   ViWinnlgnstarfsleyfisskalvtryggingamiWlarifelldurtafskrFjrmlaeftirlitsinssem ( birtirtilkynninguumYaWLgbirtingablaWi.'(&G   y :skiaWilisemlagthefurstarfsleyfiinnaWhefjastarfsemiaWnUjuferumYums;kneftir  kvWumII.kafla. a O|    O|H  &  IX.KAFLIO|HH݌  Ќ   N     NlI  Tilkynningarogskilggnum_vtryggingamiWlara_.NlII݌  Ќ    K|    K|PJ  37.gr.K|PJwJ݌   Ќ   J    JJ  Skilrsreiknings.JJ K݌  X Ќ    y VtryggingamiWlariskalsendaFjrmlaeftirlitinursreikningendurskoWaWanaflggiltum K #  endurskoWanda'IeigisWarenfj;rummnuWumeftirlokreikningsrs.rsreikningurskal    undirritaWuraf_vtryggingamiWlara_Ԁogstj;rnogframkvmdastj;raYegarumlgaWilaeraW    rWa.    y 0skUringumrsreikningsskalgreinafrheildarfjrhWfjrmunasemvtryggingamiWlari wO  varWveitir_vrslufjrreikningum_Ԁrslokfyrirhnd_viWskiptaaWila_,sbr.14.gr.Xskalfylgja B  yfirlUsinglggiltsendurskoWandaumaWmeWferW_vtryggingamiWlara_Ԁfjrmunumundan    gengiWreikningsrssamrmiviWlgYessiogreglurumvrslufjrreikninga.    y rsreikningiskalfylgjaskryfirYauvtryggingaflgsemmiWlaWertilvegnavtrygg {  ingarhttuhrlandisamt_iWgjaldamagni_ԀogY;knunfrhverjuflagivegnavtryggingar nF samningasemkomiWhefurveriW,sundurliWaWeftirgreinaflokkumvtrygginga.Einnigskal 9 fylgjagreinargerWumnnurtengslviWvtryggingaflg.  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O|    O|S  X.KAFLIO|S$T݌ \4 Ќ   N     NT  StofnuntibaogfrjlstflWiYj;nustu.NTT݌ ' Ќ    K|    K|QU  39.gr.K|QUxU݌  Ќ   J    JU  Xj;nustanstarfsstWvarWruaWildarrki.JU V݌  Ќ    y VtryggingamiWlarimeWstarfsleyfihrlandi,_vtryggingaumboWsmaWur_ԀogaWilisem `  dreifirvtryggingusemaukaafurWsemeruskrWirhrlandioghyggjastveitaYj;nustun S+! starfsstWvarWruaWildarrkiskulutilkynnaFjrmlaeftirlitinuslkafyrirtlan.0tilkynn " ingutilFjrmlaeftirlitsinsskalkomafram: # ! ! 4ABCD(%00*"A0J"  A0J4Y y2%  1  .3  Ԉ0    Heiti,kennitala,heimilisfangogskrningarnmer.A0J4YaY݌ $   Ќ  "A0J"  A0JBZ y2%  2  .3  Ԉ0    AWildarrkiYarsemviWkomandihyggstveitaYj;nustunstarfsstWvar.A0JBZoZ݌!W%   Ќ  "A0J"  A0Jw[ y2%  3  .3  Ԉ0    HvaWastarfsemierfyrirhuguWog&  heitivtryggingaflagsefviW.A0Jw[[݌J""&   Ќ  "A0J"  A0J\ y2%  4  .3  Ԉ0    Greinaflokkar'J"8\vtryggingaefviW.A0J\\݌#'   Ќ   y FjrmlaeftirlitiWskalinnanmnaWarfrm;ttkutilkynningartilkynnaeftirlitsstj;rnvaldi #( gistirkisfyrirtlanaWilaumaWveitaYarYj;nustunstarfsstWvar. $ )  y HeimilteraWhefjastarfsemieinummnuWieftiraWFjrmlaeftirlitiWhefurtilkynntaWilum v%N!* skv.1.mgr.aWtilkynningumfyrirhugaWastarfsemihafiveriWsendgistirki. A&"+  y BreytingarsemverWaupplUsingumskv.1.mgr.skulutilkynntarFjrmlaeftirlitinu  '", a.m.k.mnuWiWurenYrtakagildi.FjrmlaeftirlitiWskaltilkynnagistirkinuumbreyting '#- arnareinsflj;ttogunnterogeigisWarenmnuWieftiraWYrberastFjrmlaeftirlitinu. (z$. 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B   y AWilumskv.1.mgr.erheimilt___aW_ԀhefjastarfsemieinummnuWieftiraWFjrmlaeftirlitiW    hefurtilkynntYeimaWtilkynningumfyrirhugaWastarfsemihafiveriWsendgistirki.    y FjrmlaeftirlitiWgeturhafnaWYvaWtilkynnagistirkiumfyrirtlanaWilaskv.1.mgr.aW {  stofnatibefYaWhefurstWutilYessaWtlaaWstj;rnskipulageWafjrhagsstaWahanss nF ;fullngjandi.FjrmlaeftirlitiWskalrkstyWjakvrWuninaogupplUsaviWkomandiaWilaum 9 kvrWuninainnanmnaWarfrm;ttkutilkynningarskv.1.mgr.   y BreytingarsemverWaupplUsingumskv.1.mgr.skulutilkynntarFjrmlaeftirlitinu  a.m.k.mnuWiWurenYrtakagildi.FjrmlaeftirlitiWskaltilkynnagistirkinuumbreyting r arnareinsflj;ttogunnterogeigisWarenmnuWieftiraWYrberastFjrmlaeftirlitinu. e= K|    K|p  41.gr.K|pq݌  Ќ   J    Jq  Xj;nustanstarfsstWvarogtibhrlandi.Jqq݌  Ќ    y VtryggingamiWlarisemermeWstarfsleyfiWruaWildarrki,_vtryggingaumboWsmaWur_, i ogaWilisemdreifirvtryggingusemaukaafurWsemskrWireruWruaWildarrkigetastofnaW \4 tibhrlandieWaveittYj;nustunstarfsstWvar.FjrmlaeftirlitiWskalstaWfestam;ttku ' tilkynningarumYaWfreftirlitsstj;rnvaldiheimarkiviWkomandiaWilainnanmnaWar.   y FjrmlaeftirlitiWskalupplUsaaWilaumaWhannskulifaraeftirreglumumheilbrigWaog  eWlilegaviWskiptahttihrlandiogsendahonum_tengil_ԀreglurnarvefFjrmlaeftir `  litsins. 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" K|    K|Iv  42.&  gr.K|Ivpv݌  $ Ќ   J    Jv  Stofnuntibs_vtryggingamiWlara_ԀeWa_vtryggingaumboWsmanna_Ԁ !W% utanaWildarrkjahrlandi.Jvw݌ J""& Ќ    y FjrmlaeftirlitiWgeturheimilaW_vtryggingamiWlara_,_vtryggingaumboWsmanni_ԀogaWila #' semdreifirvtryggingusemaukaafurWmeWsta' vWfesturkiutanEvr;pskaefnahagssvWisins #( aWopnatibhrlandi.UmleyfisveitinguogstarfsemislkraaWilagildakvWiXXI.kafla $ ) lagaumvtryggingastarfsemi,nr.100/2016. v%N!*   A&"+ _O|    O|tz  &   XI.KAFLIO|tzz݌ ( Ќ   N     N{  Eftirlit.N{G{݌  Ќ    K|    K|{  43.gr.K|{{݌  Ќ   J    JG|  Almennteftirlit.JG|q|݌ a Ќ    y FjrmlaeftirlitiWhefureftirlitmeWstarfsemisamkvmtlgumYessum,nemaannaWleiWi T, af'(zlgumeWaalYj;Wasamningumsem0slanderaWiliaW.UmeftirlitiWfersamkvmtkvWum  lagaYessara,&  lagaumvtryggingastarfsemioglagaumopinberteftirlitmeWfjrmlastarf  semi.'~    y TeljiFjrmlaeftirlitiWaWstarfsemisamkvmtlgumYessumsstunduWntilskilinna  X leyfageturYaWkrafistgagnaogupplUsingahjviWkomandiaWilumeWahjeftirlitsskyldum K #  aWilumsemnauWsynlegerutilaWgangarskuggaumhvortsvos.GeturYaWkrafistYessaW    slkristarfsemishttYegarstaW.JafnframterYvheimiltaWbirtaopinberleganfnaWila    semtaldirerubj;WaYj;nustuntilskilinnaleyfa.HeimilteraWbeitakvWumlagaumopin   berteftirlitmeWfjrmlastarfsemiumdagsektirogleitoghaldggnumviWupplUsingaflun wO  ogeftirlitsamkvmtYessarigrein. B   y EfvtryggingamiWlari,vtryggingaumboWsmaWureWaaWilisemdreifirvtryggingusem    aukaafurWoghefurstarfsleyfieWaerskrWurhrlandienmeginstarfsstWerWruaWildar   rkigeturFjrmlaeftirlitiWgertsamkomulagviWeftirlitsstj;rnvaldYessrkisumaWYaWkomi {  framsemeftirlitsstj;rnvaldviWkomandiaWilavegnakvWalagaYessara.FjrmlaeftirlitiW nF skaltilkynnaviWkomandiaWilaogEvr;pskuvtryggingaoglfeyrissj;Waeftirlitsstofnuninni 9 umslktfyrirkomulagntafar.FjrmlaeftirlitiWgeturgertsamkomulagumaWveraeftirlits  stj;rnvaldiWefaWilimeWstarfsleyfieWaskrninguWruaWildarrkiermeWmeginstarfsstW  hrlandi. r K|    K|  44.gr.K|݌ 0 Ќ   J    JL  EftirlitmeWYj;nustunstarfsstWvar.JLv݌  Ќ    y HafiFjrmlaeftirlitiWstWutilaWtlaaWYj;nustavtryggingamiWlara,vtrygginga  umboWsmannseWaaWilasemdreifirvtryggingusemaukaafurWnstarfsstWvarhrlandi i sekkisamrmiviWlgYessiskalYaWtilkynnaeftirlitsstj;rnvaldiheimarkisviWkomandi \4 aWilaumYaW.EfekkierugerWarrbturaWkrfueftirlitsstj;rnvaldsheimarkiseWaYreru ' ekkingjanlegarogstarfseminerskaWlegfyrirneytendureWavtryggingamarkaWinnhr  landiskalFjrmlaeftirlitiWgrpatilnauWsynlegrarWstafana.EfnauWsynkrefurgeturFjr  mlaeftirlitiWstWvaWfrekaristarfsemivegnadreifingarvtryggingahrlandiogbannaW `  nUjastarfsemi. S+!  y FiFjrmlaeftirlitiWtilkynningufreftirlitsstj;rnvaldigistirkisumaWstarfsemivegna " Yj;nustuvtryggingamiWlara,vtryggingaumboWsmannseWaaWilasemdreifirvtryggingu # nstarfsstWvarWruaWildarrkisekkisamrmiviWgildandilgYarskalYaWgrpatil  $ viWeigandirWstafanaogtilkynnaeftirlitsstj;rnvaldinuumYr. !W%  y FjrmlaeftirlitiWgeturvsaWmlumskv.1.og2.mgr.tilEvr;pskuvtryggingaoglf J""& eyrissj;Waeftirlitsstofnunarinnarog;skaWaWstoWarskv.19.gr.reglugerWarEvr;puYingsins #' ogrWsins(ESB)nr.1094/2010umaWkomaf;tevr;pskrieftirlitsstofnun(Evr;pska #( vtryggingaoglfeyrissj;Waeftirlitsstofnunin),sbr.lgumevr;pskteftirlitskerfifjrmla $ ) markaWi. v%N!*  y FjrmlaeftirlitiWskaltilkynnaaWilumumrWstafanirsemYaWgrpurtilskv.1.og2.mgr. A&"+ EinnigskalYaWtilkynnaeftirlitsstj;rnvaldiheimarki,Evr;pskuvtryggingaoglfeyris  '", sj;WaeftirlitsstofnuninnieWaEftirlitsstofnunEFTA,eftirYvsemviW,ogframkvmdastj;rn '#- ESBumrWstafanirnar. (z$. 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T,  y EftibhrlandigerirekkirbturaWkrfueftirlitsstj;rnvaldsheimarkiseWaYr  rWstafanireruekkingjanlegarogstarfseminskaWlegfyrirneytendureWavtryggingamark  aWinnhrlandiskalFjrmlaeftirlitiWgrpatilnauWsynlegrarWstafana.    y EfnauWsynkrefurgeturFjrmlaeftirlitiWbannaWfrekaristarfsemihrlandi.Fjrmla  X eftirlitiWgeturennfremur;skaWaWstoWarEvr;pskuvtryggingaoglfeyrissj;Waeftirlits K #  stofnunarinnarskv.19.gr.reglugerWarEvr;puYingsinsogrWsins(ESB)nr.1094/2010um    aWkomaf;tevr;pskrieftirlitsstofnun(Evr;pskavtryggingaoglfeyrissj;Waeftirlits    stofnunin),sbr.lgumevr;pskteftirlitskerfifjrmlamarkaWi.    y FjrmlaeftirlitiWskaltilkynnatibiumrWstafanirsemYaWgrpurtilskv.1.og2.mgr. wO  EinnigskalYaWtilkynnaeftirlitsstj;rnvaldiheimarki,Evr;pskuvtryggingaoglfeyris B  sj;WaeftirlitsstofnuninnieWaEftirlitsstofnunEFTA,eftirYvsemviW,ogframkvmdastj;rn    ESBumrWstafanirnar.   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JafnframtskuluvtryggingamiWlararogvtryggingaumboWsmennsemheimildhafatilaW r starfahrlandiskv.42.gr.greiWaeftirlitsgjaldrlega. e= O|    O|  XII.KAFLIO|ě݌  Ќ   N     N1  greiningur.N1[݌  Ќ    K|    K|М  47.gr.K|М݌ i Ќ   J    Ja  BrskurWarnefndumdreifinguvtrygginga.Ja݌ \4 Ќ    y greiningimillidreifingaraWilaogviWskiptavinaYeirraumrttindiogskyldursamkvmt ' lgumYessummvsatilrskurWarnefndarumdreifinguvtrygginga.   y BrskurWarnefndinkveWurupprkstuddarskurWiogverWurYeimekkiskotiWtilstj;rn  valdaenaWilarmlsgetalagtgreiningsinnfyrird;mst;la. `  O|    O|  XIII.K&  AFLIO|݌ " Ќ   N     N  ViWurlg.N݌ # Ќ    K|    K|)  48.gr.K|)P݌  $ Ќ   J    J  Stj;rnvaldssektir.J݌ !W% Ќ    y FjrmlaeftirlitiWgeturlagtstj;rnvaldssektirhvernYannsembrUturgegneftirtldum J""& kvWumeWareglumsettumgrundvelliYeir'8ra: #' / /"A0J"  A0Jr y2%  1  .3  Ԉ0    2.mgr.1.gr.umheimildtilhandatilteknumaWilumtilaWmiWlavtryggingum.A0Jr݌#(   Ќ  "A0J"  A0J y2%  2  .3  Ԉ0    5.gr.umvsvitandirangaupplUsingagjfums;knsemleiWirtilYessaWstarfsleyfiskv. $ ) 4.gr.ergefiWtrngumforsendum.A0JԤ݌v%N!*   Ќ  "A0J"  A0J+ y2%  3  .3  Ԉ0    8.gr.umheitivtryggingamiWlara.A0J+X݌A&"+   Ќ  "A0J"  A0J. y2%  4  .3  Ԉ0    9.gr.umbreytingustarfsemi.A0J.[݌ '",   Ќ  "A0J"  A0J+ y2%  5  .3  Ԉ0    1.mgr.10.gr.umaWvtryggingamiWlariskulieinungismiWlafrumtryggingumvegum '#- vtryggingaflagasemhafastarfsleyfihrlandi.A0J+X݌(z$.   Ќ  "A0J"  A0J y2%  6  .3  Ԉ0    2.mlsl.1.mgr.11.gr.umfjrhagslegastWuvtryggingamiWlaraogviWbrgWviWYv ( eflkureruYvaWvtryggingamiWlarieigiekkifyrirfjrhagslegumskuldbindingum  snum.A0Jک݌   Ќ  "A0J"  A0J y2%  7  .3  Ԉ0    12.gr.umstarfsbyrgWartrygginguvtryggingamiWlara.A0J݌a   Ќ  "A0J"  A0J y2%  8  .3  Ԉ0    13.gr.umviWtkufjrmunanheimildar.A0JƬ݌T,   Ќ  "A0J"  A0J y2%  9  .3  Ԉ0    1.mgr.14.gr.umvrslufjrreikningvtryggingamiWlara.A0Jϭ݌   Ќ  "A0J "  A0J y2%  10  .3  Ԉ0    1.!4.mgr.15.gr.umkrfuumaWtilkynnastarfsemitilFjrmlaeftirlitsins.A0J݌   Ќ  "A0J "  A0J y2%  11  .3  Ԉ0    16.gr.umskrninguvtryggingaumboWsmanns.A0J݌    Ќ  "A0J "  A0J y2%  12  .3  Ԉ0    17.gr.umskilyrWiskrningar.A0J'݌ X   Ќ  "A0J "  A0J y2%  13  .3  Ԉ0    1.mgr.18.gr.umheitivtryggingaumboWsmanns.A0J'݌K #    Ќ  "A0J "  A0J  y2%  14  .3  Ԉ0    1.mlsl.1.mgr.19.gr.umtakmarkanirstarfsemivtryggingaumboWsmanns.A0J 8݌     Ќ  "A0J"  A0J8 y2%  15  .3  Ԉ0    20.gr.umviWtkuvtryggingaumboWsmannsfjrmunum.A0J8e݌     Ќ  "A0J"  A0JR y2%  16  .3  Ԉ0    21.gr.umvrslufjrreikningvtryggingaumboWsmanns.A0JR݌    Ќ  "A0J"  A0Jh y2%  17  .3  Ԉ0    22.!24.gr.umhfisoghfniskilyrWi.A0Jh݌wO    Ќ  "A0J"  A0Js y2%  18  .3  Ԉ0    3.mgr.22.gr.umaWtilkynnaekkibreytingarhfisskilyrWumtilFjrmlaeftirlitsins.A0Js݌B    Ќ  "A0J"  A0J y2%  19  .3  Ԉ0    3.og4.mgr.23.gr.umstefnuogsrstaktferlitilaWtryggjahfivtryggingaslumanna.A0Jݸ݌     Ќ  "A0J"  A0J y2%  20  .3  Ԉ0    25.gr.umsrstkhfisoghfniskilyrWi.A0J݌    Ќ  "A0J"  A0J y2%  21  .3  Ԉ0    26.gr.umendurmenntun.A0J'݌{    Ќ  "A0J"  A0J y2%  22  .3  Ԉ0    27.gr.umyfirsUnyfirstarfsemi.A0J݌nF   Ќ  "A0J"  A0J y2%  23  .3  Ԉ0    28.gr.umrWningarogverksamninga.A0J ݌9   Ќ  "A0J"  A0J y2%  24  .3  Ԉ0    29.gr.umumboW.A0J'݌   Ќ  "A0J"  A0J y2%  25  .3  Ԉ0    30.gr.umskilrki.A0J݌   Ќ  "A0J"  A0J޿ y2%  26  .3  Ԉ0    31.gr.umYagnarskyldudreifingaraWilavtryggingao.fl.A0J޿ ݌r   Ќ  "A0J"  A0J y2%  27  .3  Ԉ0    32.gr.umeWlilegaogheilbrigWaviWskiptahtti.A0J(݌e=   Ќ  "A0J"  A0J y2%  28  .3  Ԉ0    33.gr.umendurgjald.A0J@݌0   Ќ  "A0J"  A0J y2%  29  .3  Ԉ0    1.!3.mgr.36.gr.uminnlgnstarfsleyfis.A0J4݌   Ќ  "A0J"  A0J y2%  30  .3  Ԉ0    37.gr.umskilrsreikningiogfylgiggnum.A0J@݌   Ќ  "A0J"  A0J y2%  31  .3  Ԉ0    38.gr.umtilkynninguumframkomnaskaWab;takrfu.A0JL݌i   Ќ  "A0J"  A0J6 y2%  32  .3  Ԉ0    1.og3.mgr.39.gr.umstarfsemiinnlendravtryggingamiWlaraogvtryggingaumboWs \4 mannaerlendis.A0J6c݌'   Ќ  "A0J "  A0J y2%  33  .3  Ԉ0    1.og3.mgr.40.gr.umstofnuntibsinnlendravtryggingamiWlaraogvtrygginga  umboWsmannaerlendis.A0J݌   Ќ  "A0J!"  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J""& ViWkvrWunsektaskalm.a.tekiWtillittilalvarleikabrots,hvaWYaWhefurstaWiWlengi,sam #' starfsviljahinsbrotlegaaWilaoghvortumtrekaWbroteraWrWa.kvarWanirumstj;rn #( valdssektirskuluteknarafstj;rnFjrmlaeftirlitsinsogeruYraWfararhfar.Sektirrenna $ ) rkissj;WaWfrdregnumkostnaWiviWinnheimtuna.Sustj;rnvaldssektirekkigreiddarinnan v%N!* mnaWarfrkvrWunFjrmlaeftirlitsinsskalgreiWadrttarvextiaffjrhWsektarinnar.Um A&"+ kvrWunogtreikningdrttarvaxtafereftirlgumumvextiogverWtryggingu.  '",  y Stj;rnvaldssektumverWurbeitt;hWYvhvortlgbroteruframinafsetningieWagleysi. '#-  (z$. K|    K|>  49.gr.K|>e݌ ( Ќ   J    J  Stt.J݌  Ќ    y HafiaWiligerstbrotlegurviWkvWilagaYessaraeWakvarWanirFjrmlaeftirlitsins  grundvelliYeirraerFjrmlaeftirlitinuheimiltaWljkamlinumeWsttmeWsamYykkimls a aWila,endasekkiumaWrWameirihttarbrotsemrefsiviWurlgliggjaviW.Stterbindandi T, fyrirmlsaWilaYegarhannhefursamYykktogstaWfestefnihennarmeWundirskriftsinni.Fjr  mlaeftirlitiWseturnnarireglurumheimildtilaWljkamlimeWstt.  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"  y EfdreifingaraWilibrUturgegnskyldusinniskv.1.mgr.skalhanngreiWastarfsmanni # skaWabtursamkvmtalmennumreglum.XettatekurbWitilbeinsfjrtj;nsogmiska.  $  y SkyldurogrttindisamkvmtYessarigreineru;frvkjanlegog;heimilteraWtakmarka !W% YaurWningarsamningimillistarfsmannsogfyrirtkis. J""& O|    O|  XIV.KAFLIO|݌ #( Ќ   N     N5  TmiskvWi.N5_݌ $ ) Ќ    K|    K|  56.gr.K|݌ v%N!* Ќ   J    Jh  InnleiWing.Jh݌ A&"+ Ќ    y MeWhliWsj;nafkvrWunsameiginleguEESnefndarinnarnr.214/2018fr26.okt;ber  '", _2018_ԀerumeWlgumYessumtekinupp1.!3.mgr.ogbliWur4.mgr.1.gr.,2.!8.gr.,1.!4. '#- mgr.,aogcliWur6.mgr.,7.og8.mgr.10.gr.,11.!16.gr.,1.!3.mgr.17.gr.,31.gr., (z$. 33.!35.gr.ogviWaukiItilskipunarEvr;puYingsinsogrWsins(ESB)2016/97umdreifingu ( vtrygginga.  K|    K|D  &  57.gr.K|Dk݌ a Ќ   J    J  FjrhWirevrum.J ݌ T, Ќ    y FjrhWirevrumsemtilgreindareruYessumlgumumreiknaststarfrkslugjaldmiWil  vtryggingaflagsmiWaWviWslugengievrugagnvartumrddumgjaldmiWlilokdags31.  okt;bernstliWinsrs.'   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