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T,   ViWgjaldYrotaskiptilftryggingaflagsskalhvorkiteljaeignirsemmtaeigalftrygginga  skuldinnimeWeignumYrotabsinsnlftryggingaskuldinameWskuldumYess.Hafiekkitek  istaWljkagreiWslulftryggingakrfumeWeignumYeimsemmtaeigalftryggingaskuldinni   ferumlftryggingakrfunahendurYrotabiflagsinsskv.11.mgr.96.gr.  X   D;mst;llskalsjtilYessaWFjrmlaeftirlitinuverWitilkynntYegarstaWumframkomna K #  krfuumgjaldYrotaskiptilftryggingaflags.FjrmlaeftirlitiWskaltilkynnaWrumeftirlits    stj;rnvldumaWildarrkjaefblftryggingaflagshefurveriWtekiWtilgjaldYrotaskipta.      BrskurWurslensksd;mst;lsumaWblftryggingaflagsmeWaWalstWvarhrlandis   tekiWtilgjaldYrotaskiptahefureinnighrifWrumaWildarrkjumogskalhanntakatiltiba wO  flagsinsYeim.SlkurrskurWurd;mst;lsWruaWildarrkiumaWblftryggingaflags B  meWaWalstWvaraWildarrkistekiWtilgjaldYrotaskiptatekurtiltibaflagsinshrlandi.      HeimildlftryggingaflagstilgreiWslustWvunareWanauWasamningsumleitanakemurekki   vegfyriraWunntsaW;skagjaldYrotaskiptaflaginu. {    XegarblftryggingaflagshefurveriWtekiWtilgjaldYrotaskiptaskalskilastj;rnskv.93. nF gr.birtaLgbirtingablaWinukvrWunumskipunskilastj;rnar,innkllunvegnagjaldYrota 9 skiptannaogupplUsingarumhvaWalggildiumgjaldYrotaskiptin.Btdrtttilkynningarinnar  skaljafnframtbirtaStj;rnartWindumESB.    Skilastj;rnskaltilkynnalnardrottnisemlgheimili,hefurfastabsetueWaaWalstWvar r WruaWildarrkiumgjaldYrotaskiptilftryggingaflags.Fyrirsgntilkynningarinnarskal e= veraInnkllunvegnagjaldYrotaskipta,krfulUsingarfresturllumtungumlumaWildar 0 rkja.    0tilkynninguskilastj;rnarskv.8.mgr.tilvtryggingataka,vtryggWraogannarrasem  krfueigalftryggingaflagvegnalftryggingasamningaoghafalgheimili,fastabsetu i eWaaWalstWvarWruaWildarrkiskalsrstaklegatekiWframhverhrifrskurWurumgjald \4 YrotaskiptihafilftryggingasamningogupplUsingarumrttindiogskyldurYeirra.Skaltil ' kynninginveratungumliYessrkisYarsemviWkomandilgheimili,hefurfastabsetu  eWaaWalstWvar.    Lnardrottnisemlgheimili,hefurfastabsetueWaaWalstWvarWruaWildarrkienlf `  tryggingaflagskalheimiltaWleggjaframkrfulUsingutungumliYessrkis.Fyrirsgn S+! krfulUsingarskalY;veraslensku. "   Eftirlitsstj;rnvldumaWildarrkjaerheimiltaW;skaupplUsingaummeWferWYrotabslf # tryggingaflagshjFjrmlaeftirlitinu.  $   UmgjaldYrota&  skiptitibslftryggingaflagsmeWaWalstWvarutanaWildarrkjafereftir !W% slenskumlgum'!@.HafiflagiWtibfleirieneinuaWildarrkiskallitiWhverttibsem J""& sj&  lfstWanlgaWila.Eftirlitsstj;rnvldskuluY;samrmaaWgerWirogYaWsamaviWum #' sk'#Ailastj;rn. #(   4.gr. v%N!* B  96.gr.lagannaverWursvohlj;Wandi: A&"+   VerWikveWiWaWbeiWastgjaldYrotaskiptavtryggingaflagisemrekuraWrastarfsemi  '", en_lftryggingastarfsemi_ԀgildalgumgjaldYrotaskiptisekkiannanvegmltlgum '#- Yessum. (z$.   D;mst;llskalsjtilYessaWFjrmlaeftirlitinuverWitilkynntYegarstaWumframkomna ( krfuumgjaldYrotaskiptivtryggingaflags.FjrmlaeftirlitiWskaltilkynnaWrumeftirlits  stj;rnvldumaWildarrkjaefbvtryggingaflagshefurveriWtekiWtilgjaldYrotaskipta.    BrskurWurslensksd;mst;lsumaWbvtryggingaflagsmeWaWalstWvarhrlandis a tekiWtilgjaldYrotaskiptahefureinnighrifWrumaWildarrkjumogskalhanntakatiltiba T, flagsinsYeim.SlkurrskurWurd;mst;lsWruaWildarrkiumaWbvtryggingaflags  meWaWalstWvaraWildarrkistekiWtilgjaldYrotaskiptatekurtiltibaflagsinshrlandi.    HeimildvtryggingaflagstilgreiWslustWvunareWanauWasamningskemurekkivegfyrir   aWunntsaW;skagjaldYrotaskiptaflaginu.  X   FjrmlaeftirlitiWskaljafnskj;ttogbiWhefurveriWtekiWtilgjaldYrotaskiptametahvort K #  hagsmuna_vtryggingataka_ԀogvtryggWraverWibestgttmeWYvaWyfirfravtrygginga    stofnaaWlluleytieWaaWhlutatilannarseWaannarravtryggingaflaga.      BeristtilboWerFjrmlaeftirlitiWmeturhagkvmtfyrirvtryggingatakaogvtryggWaskal   YaWleggjaframtillguumflutningstofnsinsogtilkynnaLgbirtingablaWinuumhelstu wO  efnisatriWislkssamkomulags.EinnigskalauglUsaeftirathugasemdumvtryggingatakaog B  vtryggWraerberastskuluskriflegainnaneinsmnaWarfrbirtingutilkynningarinnar.Fjr    mlaeftirlitiWskaljafnframttilkynnavtryggingatkum,vtryggWumogWrum,semkrfu   eigavtryggingaflagvegnavtryggingasamningaoghafalgheimili,fastabsetueWa {  aWalstWvarWruaWildarrki,umfyrirhugaWanflutningvtryggingastofnsins.Stilkynning nF skalveratungumliYessrkisYarsemviWkomandihefurlgheimili,fastabsetueWaaWal 9 stWvar.AWteknutillititilathugasemdaskalFjrmlaeftirlitiWaWfrestinumloknumtaka  kvrWunumhvortunntsaWyfirfravtryggingastofnaYannhttsemlagtertil.    XegarbvtryggingaflagshefurveriWtekiWtilgjaldYrotaskiptaskalskilastj;rnskv.93. r gr.birtaLgbirtingablaWinukvrWunumskipunskilastj;rnar,innkllunvegnagjaldYrota e= skiptannaogupplUsingarumhvaWalggildiumgjaldYrotaskiptin.Btdrtttilkynningarinnar 0 skaljafnframtbirtaStj;rnartWindumESB.    Skilastj;rnskaltilkynnalnardrottnisemlgheimili,hefurfastabsetueWaaWalstWvar  WruaWildarrkiumgjaldYrotaskiptivtryggingaflags.Fyrirsgntilkynningarinnarskal i veraInnkllunvegnagjaldYrotaskipta,krfulUsingarfresturllumtungumlumaWildar \4 rkja. '   0tilkynninguskilastj;rnarskv.8.mgr.tilvtryggingataka,vtryggWraogannarrasem  krfueigavtryggingaflagvegnavtryggingasamningaoghafalgheimili,fastabsetu  eWaaWalstWvarWruaWildarrkiskalsrstaklegatekiWframhverhrifrskurWurumgjald `  YrotaskiptihafivtryggingasamningogupplUsingarumrttindiogskyldurYeirra.Skal S+! tilkynninginveratungumliYessrkisYarsemviWkomandilgheimili,hefurfastabsetu " eWaaWalstWvar. #   Lnardrottnisemlgheimili,hefurfastabsetueWaaWalstWvarWruaWildarrkienv  $ tryggingaflagskalheimiltaWleggjaframkrfulUsingutungumliYessrkis.Fyrirsgn !W% krfulUsingarskalY;veraslensku. J""&   VtryggingakrfurhendurYrotabivtryggingaflagsinsskuluganganstundankrf #' umskv.113.gr.lagaumgjaldYrotaskiptio.fl. #(   Eftirlitsstj;rnvldumaWildarrkjaerheimiltaW;skaupplUsingaummeWferWYrotabsv $ ) tryggingaflagshjFjrmlaeftirlitinu. v%N!*   UmgjaldYrotaskiptitibsvtryggingaflagsmeWaWalstWvarutanaWildarrkjafereftir A&"+ slenskumlgum.HafiflagiWtibfleirieneinuaWildarrkiskallitiWhverttibsem  '", sjlfstWanlgaWila.Eftirlitsstj;rnvldskuluY;samrmaaWgerWirogYaWsamaviWum '#- skilastj;rn. (z$. Ї  5.gr. ( Y  eftir96.gr.lagannakemurnUgrein,96.gr.A,svohlj;Wandi:    0slensklgskulugildaumgjaldYrotaskiptivtryggingaflagsogtibaYesserlendis  nemaannanvegsfyrirmltYessarigrein. a   VinnusamningurskalfaraeftirlgumYessrkissemumvinnusamninginnogvinnusam T, bandiWgilda.    SamningurumnotkuneWakaupfasteignarskalfaraeftirlgumYessrkisYarsemfast  eigninerstaWsett.     Rtturvtryggingaflagsvegnafasteignar,skipseWaflugvlarskalfaraeftirlgumYess  X rkisYarsemopinberskrninghefurfariWfram. K #    BrskurWurumaWbvtryggingaflagsstekiWtilgjaldYrotaskiptaskalekkihafahrif    rttveWhafavegnaeignarrttindasemvoruWruaWildarrkiYegarrskurWurinnvarkveWinn    upp.0slensklggildaY;umrttindiogskylduraWilasemltaopinberueftirlitihrlendis.     HafivtryggingaflagkeypteignmeWeignarrttarfyrirvarahefurrskurWurumaWbv wO  tryggingaflagsstekiWtilgjaldYrotaskiptaekkihrifrttindiseljandasembyggjastfyrir B  varanumseignWruaWildarrki.GjaldYrotvtryggingaflagshefurekkihrifsluv    tryggingaflagseignhafiafhendingYegarfariWframogeigninveriWWruaWildarrki   YegarrskurWurumgjaldYrotaskiptivarkveWinnupp. {    XrttfyrirkvWi5.og6.mgr.erheimiltaWbeitakvWumIII.kaflalagaumsamnings nF gerW,umboWog;gildagerninga,nr.7/1936,um;gildalggerninga,nemalggistirkis 9 heimiliekkislkt.    HafivtryggingaflageftirrskurWumaWbvtryggingaflagsskulitekiWtilgjald  Yrotaskiptaseltfasteign,skipeWaflugvlsemhWeropinberriskrningueWaframseljanleg r verWbrfeWannurverWbrfskrWverWbrfamiWstWskululgYessrkisYarsemeigner e= eWaYarsemhinopinberaskrninghefurfariWframgildaumlgmtilggerningsins. 0   UmhrifrskurWarumaWbvtryggingaflagsskulitekiWtilgjaldYrotaskiptamls  hfWunvegnaeignareWaannarrarttindasemvtryggingaflaghefurltiWafhendifereftir  lgumYessaWildarrkisYarsemmliWvarhfWaW. i   BrrWisemskilastj;rngeturbeittsamkvmtslenskumlgumhefurhnjafnframt \4 WrumaWildarrkjum.ViWbeitinguslkrarrWaWruaWildarrkiskalskilastj;rnY;fara ' eftirlgumYessaWildarrkiseftirYvsemviW.    6& a .gr. `  f  ViW97.gr.lagannabtistnUmlsgrein,svohlj;Wandi: S+!   Umfrjlsslitvtryggingaflagsgildak'afvWi95.,96.og96.gr.AeftirYvsemviW. "   7.gr.  $ &h  FyrirsgnXI.kaflalagannaverWursvohlj;Wandi: SrstakarrWstafanir.Endurskipu !W% lagningfjrhags.Brottfallstarfsleyfis.Flagsslit.  J""&   8.gr. #( /i  LgYessiWlastYegargildi. $ )   v%N!* _@ #dggAthugasemdirviW&   lagafrumvarpYetta.#ggdiԈ (  I.0  Inngangur.    0lagafrumvarpiYessuerulagWartilbreytingarogviWb;tviWkvWiXI.kaflalaganr.  60/1994,umvtryggingastarfsemi,meWsWaribreytingum,varWandiendurskipulagningu a fjrhags'(jogslitvtryggingaflags. T,   FrumvarpYettavarsamiWafnefndsemviWskiptarWherraskipaWima2002ennefnd  innistuKjartanGunnarsson,skrifstofustj;riiWnaWar-ogviWskiptarWuneyti,RnarGuW  mundsson,yfirlgfrWingurhjFjrmlaeftirlitinu,Sigmarrmannsson,framkvmdastj;ri   Sambandsslenskratryggingaflaga,ogX;raM.Hjaltested,lgfrWinguriWnaWar-ogviW  X skiptarWuneyti,semjafnframtvarstarfsmaWurnefndarinnar. K #    TilefnifrumvarpsinserinnleiWingtilskipunarnr.2001/17/EBfr19.mars2001umendur    skipulagninguogslitvtryggingaflaga.TilskipuninvartekinuppsamninginnumEvr    ;pskaefnahagssvWiW(EES-samninginn)meWkvrWunsameiginleguEES-nefndarinnarnr.   166/20026.desember2002. wO    XfelurfrumvarpiWsrsamrmiviWkvWinUsstofnsamningsFrverslunarsamtaka B  Evr;pu(EFTA),svonefndsVaduz-samnings,semWlaWistgildi1.jn2002,aWtilskipanir    umvtryggingarttgildaeinniggagnvartEFTA-rkjumsemekkieruaWilaraWEES-samn   ingnum,Y.e.Sviss. {   II.0  Efnitilskipunarinnar. 9   MegintilgangurtilskipunarinnareraWtryggjagagnkvmaviWurkenninguaWgerWum  aWildarrkjaEvr;pskaefnahagssvWisinsogsamvinnuvarWandiendurskipulagningufjrhags  vtryggingaflagaogslitYeirraogkveWnalgmarkssamrmingulandsreglnasemgildaum r YessiatriWi.TilskipanirumvtryggingarhafahingaWtilekkifaliWsrsamrmingureglna e= umslitvtryggingaflags.MeWendurskipulagningufjrhagsvtryggingaflagsertilskipun 0 innittviWrWstfunsemfelursrhlutund;mst;la,semtlaWeraWtryggjaeWaendurreisa  fjrhagslegastWuflagsins,meWgreiWslustWvuneWanauWasamningi,enmeWslitumv  tryggingaflagserttviWaWgerWYarsemeignumflagserkomiWverWogverWmtumYess i dreiftmillilnardrottna,Y.m.t.vtryggingatakaogvtryggWra,eWaeigenda,hvortsemer \4 affrjlsumviljaeWaYvingaW,Y.e.viWgjaldYrotaskipti. '   TilskipuninfelursraWrskurWurd;mst;lsumheimildvtryggingaflagsEvr;pska  efnahagssvWinutilgreiWslustWvunar,tilnauWasamningsumleitanaeWaumslitYesshefur  hrifllusvWinuogskalviWurkenndurafllumaWildarrkjumYess.TekurslkurrskurW `  urYannigtilvtryggingaflagsinssjlfsogtibaYessaWildarrkjumEvr;pskaefnahags S+! svWisins.JafnframtkveWurtilskipuninumaWlggjfheimarkisgildiumendurskipulagn " ingunaeWaslitin,Y.e.lggjfYessrkisYarsemaWalstWvarvtryggingaflagseruogYar # semstarfsleyfiYessergefiWt.SmulggildaYvumrttindi,skuldirogskuldbindingarv  $ tryggingaflagsogtibaYess,Y;meWtilteknumundanYgum.TilskipuninnierYannigtlaW !W% aWkomavegfyriraWlnardrottnumverWimismunaWmeWYvaWmismunandilggildium J""& endurskipulagningufjrhagseWaslitvtryggingaflagsogtibaYess. #'   EnnfremurerutilskipuninnikvWiumverndneytenda,Y.e.vtryggingataka,v #( tryggWraogannarrasemgetattkrfuvtryggingaflagvegnavtryggingasamnings.Gefur $ ) tilskipuninkosttveimurmgulegumleiWumsemmiWabWaraWYvaWveitakrfumYeirra v%N!* forgangviWslitvtryggingaflags.XersrstaklegatekiWtillittilrttindaframangreindra A&"+ aWilaoglnardrottnavtryggingaflagssemeigalgheimili,fastabsetueWaaWalstWvar  '", WruaWildarrkienheimarkivtryggingaflagstengslumviWtilkynningarogkrfulUsingar. '#-   VakinerathygliYvaWeftirupptkutilskipunarinnarEES-samninginnergildissviW (z$. hennaralltEvr;pskaefnahagssvWiWoggrundvellihinsnUjastofnsamningsEFTAnrhn ( einnigtilEFTA-rkjasemekkieruaWilaraWEES-samningnum,Y.e.Sviss.   III.0  Gildandirtturogtillgurfrumvarpsins. a   TilskipuninfelursreinsogWurhefurkomiWframlgmarkssamrmingulgumrkja T, Evr;pskaefnahagssvWisinsenaWkvWumhennarslepptumergertrWfyriraWbyggts  YeimreglumsemYegargildahverjurki.UmgjaldYroteinstaklingaoglgaWilaerfjallaW  lgumnr.21/1991,umgjaldYrotaskiptio.fl.,ogerfrumvarpinulagttilaWYrreglurgildi   umgreiWslustWvun,nauWasamningsumleitanireWagjaldYrotvtryggingaflagskomiekki  X annaWframfrumvarpinuoglgumumvtryggingastarfsemi.090.gr.lagaumvtrygginga K #  starfsemiergertrWfyriraWvtryggingaflagskuli,eflgmarkskrfurumgjaldYoleruekki    uppfylltar,geratlunumhvenroghvernigmarkinuverWinWogmeturFjrmlaeftirlitiW    hvortrWstafanirYrteljistfullngjandi.EngarsrreglurerugildivarWandiendurskipulag   fjrhagsviWgreiWslustWvuneWanauWasamningsumleitanir. wO    093.!97.gr.lagaumvtryggingastarfsemieraWfinnaUmiskvWiumslitvtrygginga B  flags.Reglur93.!96.gr.laganna,semfjallaumYvinguWslitvtryggingaflags,gerarW    fyriraWviWafturkllunstarfsleyfisskipirWherraaWfengnumtillgumFjrmlaeftirlits   Yriggjamannaskilastj;rnsemtakiviWllumheimildumflagsstj;rnar.SegjamaWskila {  stj;rnhafiviWgjaldYrotvtryggingaflagssambrilegthlutverkogskiptastj;rigegnirviW nF gjaldYrotflagaalmennt.Skilastj;rntekursamrWiviWFjrmlaeftirlitkvrWunumhvort 9 ;skaWskuligjaldYrotaskiptavtryggingaflagi.FjrmlaeftirlitiWhefureinnigtluverWu  hlutverkiaWgegnaYessustigiogtekurmeWalannarsumYaWkvrWunsamrWiviWskila  stj;rnhvorthagsmunumvtryggingatakaogvtryggWrasbestkomiWmeWYvaWvtrygg r ingastofninnverWiflutturtileinseWafleirivtryggingaflagaeWahvortuppgjriverWilokiW e= meWWrumhtti.XegarumlftryggingaflageraWrWageturFjrmlaeftirlitiWennfremur 0 tekiWkvrWunumaWlftryggingastofninnskulistasrstakrimeWferWskv.94.gr.laganna.  ViWgjaldYrotvtryggingaflagsermeWferWbiflagsinsYannighndumtveggjaaWila,  FjrmlaeftirlitsinsvarWandikvrWunummeWferWvtryggingastofnsinsogskilastj;rnar i varWandiaWrarkrfurhendurbinu.ReglurlagaumvtryggingastarfsemierufrbrugWnar \4 gjaldYrotalgumm.a.aWYessuleyti.UmeftirlitsskyldaaWilaeraWrWaogYveWlilegtaW ' FjrmlaeftirlitiWeigihlutaWmliviWYessaraWstWur.Umfrjlsslitvtryggingaflagser  fjallaW97.gr.lagaumvtryggingastarfsemioggildakvWi3.,4.og5.gr.frumvarpsins  (95.,96.og96.gr.A)umfrjlssliteftirYvsemviWgeturtt. `    XerjafnframtgertrWfyriraWkvWitilskipunarinnargildigagnvartEFTA-rkjum&  Ԁsem S+! ekkieruaWilaraWEES-samningnum,Y.e.Sviss,meWsamahttioglagtertilaWYaugild'Sium " aWildarrkiEES-samningsinssamrmiviWkvWihinsnUjastofnsamningsEFTA,Vaduz # samningsins.  $   EinsogWurhefurkomiWframerlagttilaWmeginreglanverWisaWviWendurskipulag !W% fjrhagsogslitvtryggingaflagsverWifariWeftirlgumheimarkisvtryggingaflags. J""& YessueruY;undantekningarsemeraWfinnafrumvarpinuogerYarfyrstogfremstumaW #' rWalagaskilareglurv&  arWanditilteknasamninga,rttindiogeignirsemeruWruaWildarrki #( enheimarkivtryggi'#zngaflags. $ ) @ AthugasemdirviWeinstakargreinarfrumvarpsins. A&"+   Um1.gr.  '",   0greininnierlagttilaWviWskilgreininguhugtakinuaWildarrkiverWibttaWhntaki '#- einnigtilaWildarrkisaWstofnsamningiFrverslunarsamtakaEvr;pu,Y.e.Sviss,samrmi (z$. _ viWkvWi_ Vaduz_ -samningsins.XessibreytingergerWtileinfldunar_ lagatextanum_ ԀogleiW ( irtilYessaW;YarftverWuraWtakaframhvertskiptiaWtiltekinatriWigildibWium_ aWildar  rki_ ԀEvr;pska_ efnahagssvWisins_ Ԁog_ aWildarrki_ Ԁ_ stofnsamnings_ Ԁ_ Frverslunarsamtaka_ ԀEvr;pu,  verWurYannigngilegtaWvsatilhugtaksins_ aWildarrkis_ . a   Um2.gr.  Ԗ  0YessarigreinerlagttilaWtvrnUjargreinar,90.gr.Aog90.gr.B,komieftirnver  andi90.gr.laganna.Xreru_ innleiWing_ ԀII.kafla_ tilskipunarinnar_ ,4.!7.gr.,19.!27.gr.og   30.gr.Greinarnarfjallaumendurskipulagningu_ fjrhags_ ԀvtryggingaflagsviW_ greiWslu  X stWvun_ ԀeWa_ nauWasamningsumleitanir_ .LagtertilaW_ vtryggingaflag_ Ԁsemverulegum K #  fjrhagsrWugleikumogvillfreistaYessaWkomanUrriskipanfjrmlasinnagetileitaWtil    d;mst;laumaWstoWviWendurskipulagningu_ fjrhags_ ԀflagsinsmeW;skum_ greiWslustWvun_     eWaheimild_ nauWasamningsumleitana_ ,endasuskilyrWilagaum_ gjaldYrotaskipti_ Ԁuppfyllt.     Uma-liW(90.gr.A). wO    01.og2.mgr.greinarinnareraWfinnaskilgreininguhugtakinuendurskipulagning_ fjr B  hags_ Ԁskilningifrumvarpsins.JafnframterkveWiWumaWreglurlagaum_ gjaldYrotaskipti_     _ o.fl_ .,nr.21/1991,meWsWaribreytingum,skuligildanemaannaWkomiframlgunum.0   frumvarpinueraWfinnaUmsarsrreglurvarWandiendurskipulagningu_ fjrhags_ Ԁvtrygginga {  flagsenlagtertilaWmeginreglanverWisaWreglur_ gjaldYrotalaganna_ Ԁgildi.03.mgr.er nF gertrWfyriraWd;mst;lltilkynni_ Fjrmlaeftirlitinu_ Ԁum_ framkomna_ ԀbeiWniumheimildtil 9 aWleita_ greiWslustWvunar_ ԀeWa_ nauWasamnings_ .MikilvgteraWslktilkynningberist  _ Fjrmlaeftirlitinu_ ԀumleiWogbeiWnierlgWframYarsemum_ eftirlitsskyldan_ ԀaWilaeraW  rWaognauWsynlegtaW_ Fjrmlaeftirlitinu_ Ԁseinsflj;ttogkosturergertkunnugtumefslkir r erfiWleikarhafakomiWupprekstrivtryggingaflags.JafnframtergertrWfyriraW e= _ FjrmlaeftirlitiW_ ԀtilkynniWrum_ eftirlitsstj;rnvldum_ ԀEvr;pska_ efnahagssvWinu_ Ԁog 0 SvissYegarheimildhefurveriWveitttil_ greiWslustWvunar_ ԀeWa_ nauWasamningsumleitana_ .  samahttog_ Fjrmlaeftirlitinu_ Ԁgetur_ eftirlitsstj;rnvldum_ ԀWrumrkjumveriWnauWsynlegt  aWfslkarupplUsingar,_ t.d._ Ԁs_ vtryggingaflag_ ԀmeWstarfsemiYvrki. i   0almennuathugasemdunumhefurveriWvikiWaWYeirrimeginreglusemkemurfram4. \4 mgr.YessarargreinarfrumvarpsinsaWrskurWurd;mst;lsheimarkivtryggingaflagsum ' endurskipulagningu_ fjrhags_ ԀYesshafihriflluEvr;pska_ efnahagssvWinu_ Ԁog_ aWildarrki_   _ stofnsamnings_ Ԁ_ Frverslunarsamtaka_ ԀEvr;puogtakiYannigeinnigtil&  ԀtibaYess.MeWYessu  ertryggtaWsmureglurgildiumendurskipulagninguflagsinsog'tibaYess. `    05.mgr.erfjallaWumtilkynningartilinnlendraogerlendra_ lnardrottna_ Ԁvtrygginga S+! flagsogerYarlagttilaWtilkynningarfarieftir13.og44.gr.lagaum_ gjaldYrotaskipti_ Ԁ_ o.fl_ . " Samkvmt6.mgr.skalennfremurveita_ vtryggingataka_ ,vtryggWumogWrum,semkrfu # eigahendur_ vtryggingaflagi_ Ԁsamkvmt_ vtryggingasamningi_ Ԁogeigalgheimili,fasta  $ bsetueWaaWalstWvarWru_ aWildarrki_ ,upplUsingarumhverhrifheimildinhafi_ vtrygg !W% ingasamninginn_ ԀogupplUsingarumrttindiogskyldurYeirra.Slktilkynningskalvera J""& tungumliYessrkisYarsemviWkomandilgheimili,hefurfastabsetueWaaWalstWvar. #' _ Lnardrottni_ Ԁerskv.7.mgr.heimiltaWlUsakrfuvegna_ nauWasamnings_ Ԁskv.45.gr.lagaum #( _ gjaldYrotaskipti_ Ԁ_ o.fl_ .tungumliYessrkisYarsemhannhefurlgheimili,fastabsetueWa $ ) aWalstWvar.X;skalkomaframfyrirsgnslenskuaWum_ krfulUsingu_ ԀsaWrWa.Hug v%N!* takiW_ lnardrottinn_ ԀskilningiYessarakvWatekureinnigtil_ vtryggingataka_ ,_ vtryggWra_  A&"+ ogannarrasemkrfueiga_ vtryggingaflag_ Ԁsamkvmt_ vtryggingasamningi_ .MeWkvW  '", unumerrtturerlendra_ lnardrottna_ ԀtryggWur.JafnframterkomiWvegfyriraWinnlendum '#- ogerlendum_ lnardrottnum_ ԀverWimismunaWviWYaWaWheimildvtryggingaflagstil (z$. _ greiWslustWvunar_ ԀeWatilaWleita_ nauWasamnings_ ԀtakieinnigtilstarfsemiflagsinsWrum ( rkjum,YarmeWtaliWtibaYess.XannigeraukYesstryggtaWerlendir_ lnardrottnar_ Ԁhafivit  neskjuumheimildvtryggingaflagstil_ greiWslustWvunar_ ԀeWatilaWleita_ nauWasamnings_ .    08.mgr.kemurframaWslensklgskuligildaverWitibivtryggingaflagsmeWaWal a stWvarutan_ aWildarrkja_ Ԁveittheimildtil_ greiWslustWvunar_ ԀeWatil_ nauWasamningsumleitana_ . T, TekurYessimlsgreintil_ vtryggingaflaga_ ԀsemhafafengiWleyfiskv.71.!72.gr.tilaWreka  hrtib.EnnfremurervikiWaWYvaWhafi_ vtryggingaflagiW_ Ԁtibfleirueneinu_ aWildar  rki_ ԀskulilitiWhverttibsemsrstakan_ lgaWila_ .ViW_ greiWslustWvun_ ԀeWa_ nauWasamnings   umleitanir_ Ԁskulu_ eftirlitsstj;rnvld_ ,aWstoWarmenn_ skuldara_ ԀviW_ greiWslustWvun_ Ԁog_ umsj;nar  X menn_ ԀmeW_ nauWasamningum_ ԀY;samrmaaWgerWir. K #    Umb-liW(90.gr.B).      0YessarigreineraWfinnareglurumhvaWalgumskulibeittviWendurskipulagningu_ fjr    hags_ Ԁvtryggingaflags.MeginreglanersaWlg_ heimarkis_ Ԁvtryggingaflagsskuligilda   umendurskipulagningu_ fjrhags_ ԀflagsinsogtibaYess,enYaWerYaWrkiYarsemaWal wO  stWvarvtryggingaflagseruogstarfsleyfiYessergefiWt.01.mgr.kemurYannigframaW B  slensklgskuligildaumendurskipulagningu_ fjrhags_ ԀvtryggingaflagsmeWaWalstWvar    hrlandiogtibaYesserlendisnemaannanvegsmltgreininni.02.!10.mgr.eraW   finnaUmsar_ lagaskilareglur_ ,_ Y.e._ ԀreglurumlghvaWarkisskuligildaviWtilteknaraWstWur. {  EruslkkvWinauWsynlegvegna_ meginreglunnar_ ԀumaWlg_ heimarkis_ Ԁskuligilda,eneWli nF legtgeturveriWtilteknumtilfellumaWlgumannarrarkjaverWibeitt. 9   Um3.gr.  ܾ  0YessarigreinerlagttilaWnUgreinkomistaWnverandi95.gr.semfjallarum_ gjald r Yrotaskipti_ Ԁ_ lftryggingaflags_ ԀogermeWhenniveriWaWinnleiWakvWiIII.kafla_ tilskipunar e= innar_ ,8.!27.gr.og30.gr.GreininniertlaWaWkomasemviWb;tviWkvWi93.og94.gr. 0 lagaum_ vtryggingastarfsemi_ .    MeWsamahttiogvarWandiendurskipulagningu_ fjrhags_ ԀvtryggingaflagserviWslit_ lf  tryggingaflags_ ԀgertrWfyriraWlgum_ gjaldYrotaskipti_ Ԁ_ o.fl_ .,nr.21/1991,meWsWaribreyt i ingum,gildi,nemaannaWkomiframlgunum. \4   02.og3.mgr.eraWfinnaefninverandi95.gr.02._ mlsl_ .2.mgr.&  ԀernUmliYarsemgert ' errWfyriraW_ Fjrmlaeftirlitinu_ ԀverWigertaWtilkynna_ vtrygginga''tkum_ ,vtryggWumog  Wrum,semkrfueiga_ vtryggingaflag_ Ԁvegna_ vtryggingasamninga_ Ԁoghafalgheimili,  fastabsetueWaaWalstWvarWru_ aWildarrki_ ,um_ fyrirhugaWan_ Ԁflutning_ vtryggingastofns `  ins_ .094.gr.eraWfinnakvWiumsrstakameWferW_ lftryggingastofnsins_ Ԁsemgeturttsr S+! staW;hWYvhvort;skaWer_ gjaldYrotaskipta_ Ԁflaginu.Komihinsvegartil_ gjaldYrots_ Ԁ_ lf " tryggingaflags_ ԀergertrWfyriraWsrstakrimeWferW_ lftryggingastofnsins_ Ԁskv.94.gr.verWi # haldiWfram.0samrmiviWkvWi_ tilskipunarinnar_ ԀernauWsynlegtaWkveWaumaWviW  $ slkaraWstWurskuli_ vtryggingatkum_ ,vtryggWumogWrumsemkrfueiga_ vtrygg !W% ingaflag_ Ԁvegna_ vtryggingasamninga_ Ԁogeigalgheimili,fastabsetueWaaWalstWvarWr J""& um_ aWildarrkjum_ ԀtilkynntsrstaklegaummeWferW_ vtryggingastofnsins_ ,endamiklarlkur #' Y&  vaWtilkynning_ LgbirtingablaWi_ Ԁsem2.mgr.94.gr.gerirrWfyrirniekkitilerlendra #( aW'#,ila. $ )   03.mgr.kemurframaWeignirYrsemmtaeiga_ lftryggingaskuld_ Ԁflagsinsskuliekki v%N!* teljastmeWeignumYrotabs_ lftryggingaflags_ ,nskulitelja_ lftryggingaskuldina_ ԀmeWskuld A&"+ umYess.ErYetta;breyttfrnverandilgum.MeW_ lftryggingaskuld_ Ԁ_ lftryggingaflagi_ Ԁer  '", ttviW_ ;uppgerWar_ Ԁ_ heildarskuldbindingar_ ԀflagsinsvegnagerWra_ lftryggingasamninga_ .Um '#- jfnuneignam;ti_ vtryggingaskuld_ ԀvtryggingaflagserfjallaWreglugerWnr.646/1995 (z$. ogerYarmeWalannarskveWiWumskryfirYreignirsemmtaeiga_ lftryggingaskuld_ Ԁ ( hverjumtma.AukYesser3.mgr.nUmliYarsemmlterfyrirumstWu_ lftryggingakrfu_   _ vtryggingataka_ ,_ vtryggWra_ Ԁogannarra_ skuldarW_ ԀtakistekkiaWljkagreiWsluhennarmeW  Yeimeignumsemmtaeiga_ lftryggingaskuldinni_ ԀsamrmiviWkvWi_ tilskipunarinnar_ . a Ferumslkakrfueftir11.mgr.96.gr.ogvsasttilumfjllunarumYgrein.RttYykiraW T, tryggjasrstaklegartt_ vtryggingataka_ ,_ vtryggWra_ Ԁogannarrasemleittgetarttaf_ vtrygg  ingasamningi_ ԀumlftrygginguvegnaeWlisslkrasamninga,enumeraWrWa_ langtma_ Ԁsamn  ingasemsnastofttWumumveruleganhluta_ visparnaWar_ Ԁf;lks.XegarfjallaWerum_ lf   tryggingakrfu_ ԀeWa_ vtryggingakrfu_ ԀfrumvarpiYessuerttviWkrfursemstafaaf_ vtrygg  X ingasamningi_ . K #    kvWi4.og5.mgr.eigasamsvrun3.og4.mgr.90.gr.A,sbr.2.gr.frumvarpsins,    ogvsasttilumfjllunarumYr.      06.mgr.kemurframaWrskurWurumaW_ lftryggingaflagi_ Ԁsveittheimildtil_ greiWslu   stWvunar_ ԀeWatil_ nauWasamningsumleitana_ ԀkomiekkivegfyriraWhgtsaW;ska_ gjald wO  Yrotaskipta_ Ԁflaginu.ErYettakvWiandstWuviW2.mgr.22.gr.og2.mgr.40.gr._ gjald B  Yrotalaga_ ԀYarsemframkemuraWmeWan_ greiWslustWvun_ ԀeWa_ nauWasamningsumleitanir_     standas;heimiltaWtakab_ skuldara_ Ԁtil_ gjaldYrotaskipta_ .ErhrumaWrWa_ srreglu_ Ԁsam   kvmtnefndritilskipunsemvkuralmennumreglum_ gjaldYrotalaga_ ԀtilhliWar. {    RWherraskiparYriggjamanna_ skilastj;rn_ Ԁ_ lftryggingaflags_ Ԁeftirtillgu_ Fjrmlaeftirlits nF ins_ ,sbr.93.gr.,oggegnir_ skilastj;rn_ Ԁsamahlutverkiog_ skiptastj;ri_ Ԁhefursamkvmt_ gjald 9 Yrotalgum_ ԀviW_ gjaldYrotaskipti_ ԀflagaalmennteinsogWurhefurkomiWfram.07.mgr.  kemurframaWYegarb_ lftryggingaflags_ ԀhefurveriWtekiWtil_ gjaldYrotaskipta_ Ԁskuli_ skila  stj;rn_ Ԁbirta_ LgbirtingablaWinu_ ԀkvrWunumskipunhennar,_ innkllun_ Ԁvegna_ gjaldYrota r skiptanna_ ԀogupplUsingarumhvaWalggildium_ gjaldYrotaskiptin_ .ViW_ innkllun_ Ԁhefur_ skila e= stj;rn_ ԀhliWsj;naf85.gr.lagaum_ gjaldYrotaskipti_ Ԁ_ o.fl_ .GerterrWfyriraWtdrtturtilkynn 0 ingarinnarverWibirtur_ Stj;rnartWindum_ Ԁ_ ESB_ ԀsemeWlilegterYarsemrskurWurumaWb  flagsstekiWtil_ gjaldYrotaskipta_ ԀgetureinnigvarWaWhagsmunivegnastarfsemiflagsins  Wrum_ aWildarrkjum_ . i   08.mgr.ergertrWfyriraW_ skilastj;rn_ Ԁtilkynni_ lnardrottnum_ Ԁsemeigalgheimili,hafa \4 fastabsetueWaaWalstWvarWru_ aWildarrki_ ԀsrstaklegaumrskurWum_ gjaldYrotaskiptin_ . ' ViWYtilkynninguhefur_ skilastj;rn_ Ԁ86.gr.lagaum_ gjaldYrotaskipti_ Ԁ_ o.fl_ .tilhliWsj;nar.    kvWi9.,10.og12.mgr.eigasamsvrun6.!8.mgr.90.gr.A,sbr.2.gr.frumvarpsins,  ogvsasttilumfjllunarumYrmlsgreinar. `    011.mgr.kemurframaW_ eftirlitsstj;rnvldum_ Ԁ_ aWildarrka_ ԀsheimiltaW;skaupplUsinga S+! ummeWferWYrotabshj_ Fjrmlaeftirlitinu_ .ErYettaeWlilegtvegna_ meginreglunnar_ Ԁ5.mgr. " Yessarargreinarfrumvarpsins,en_ eftirlitsstj&  ;rnvldum_ ԀWru_ aWildarrki_ ԀgeturveriWnauW # synlegtaWhafavitneskjuumstWumlsins'|hafiflagiWYarstarfsemi.  $   Um& a Ԁ4.gr. J""&   GreininkemurstaW96.gr.lagannaogfjallarumgjaldYrot_ vtryggingaflaga_ Ԁsemreka #' aWrastarfsemien_ lftryggingastarfsemi_ ,oftnefnd'aJ"Ԁ_ skaWatryggingaflg_ .Efnigreinarinnar #( aWmikluleytisamsvrun95.gr.,sbr.3.gr.frumvarpsinssemfjallarumgjaldYrot_ lftrygg $ ) ingaflaga_ ,ogvsasttilYeirrarumfjllunarYarsemviW.05.og6.mgr.eraWfinnaefni96. v%N!* gr.;breytt.X;erbttviW6.mgr.,samrmiviWkvWi_ tilskipunarinnar_ ,aW_ Fjrmlaeftir A&"+ litiW_ Ԁskulitilkynna_ vtryggingatkum_ ,vtryggWumogWrumsemeigakrfu_ vtrygginga  '", flag_ Ԁvegna_ vtryggingasamninga_ Ԁogeigalgheimili,fastabsetueWaaWalstWvarWru_ aW '#- ildarrki_ ԀumfyrirhugaWa_ yfirfrslu_ Ԁ_ vtryggingastofnsins_ .Tilkynninginskalveratungumli (z$. YessrkisYarsemviWkomandilgheimili,hefurfastabsetueWaaWalstWvar. (   011.mgr.erfjallaWumstWu_ vtryggingakrfu_ Ԁ_ skuldarW_ ԀogerlagttilaWYrkrfur  ganginstundankrfumskv.113.gr.lagaum_ gjaldYrotaskipti_ Ԁ_ o.fl_ .ErgertrWfyriraW_ v  tryggingakrfur_ ԀsamkvmtYessarigreinsu,samrmiviWkvWi_ tilskipunarinnar_ ,for a gangskrfurmeWsamahttiogkrfurskv.112.gr.lagaum_ gjaldYrotaskipti_ Ԁ_ o.fl_ .ogkomi T, nsteftirkrfumskv.8._ tlul_ .Yeirrargreinar.EkkiY;ttifrtaWtryggjartt_ vtrygginga  taka_ ,_ vtryggWra_ Ԁogannarrasemgetaleittrttaf_ vtryggingasamningi_ ԀmeWsamahttiog  varWandi_ lftryggingakrfur_ ԀYarsemekkigildismusj;narmiWumYessartegundir_ vtrygg   inga_ .  X   Um5.gr.      GreinintekurbWitil_ gjaldYrots_ Ԁ_ lftryggingaflags_ Ԁskv.95.gr.,sbr.3.gr.frumvarpsins,    og_ gjaldYrots_ Ԁ_ vtryggingaflaga_ ԀsemrekaaWrastarfsemien_ lftryggingastarfsemi_ Ԁskv.96.gr.,   sbr.4.gr.frumvarpsins.Greininsamsvrun90.gr.B,sbr.2.gr.frumvarpsins,ogvsast wO  tilumfjllunarumhana. B    Um6.gr.   x  EinsogvikiWvaraWalmennuathugasemdunumgildakvWi3.,4.og5.gr. {  frumvarpsins(95.,96.og96.gr.A)umfrjlsslitvtryggingaflagseinsogviWgeturtt.0 nF Yessusambandimnefnareglurumtilkynningarog_ lagaskilareglur_ . 9   Um7.gr.    GreininYarfnastekkiskUringa. r  &  _ Fylgiskjal_ .  h@Au ) d E> A^h@   FjrmlarWuneyti, i _ fjrlagaskrifstofa_ : \4 %   %   Umsgnumfrumvarptillagaumbreytingulgumnr.60/1994,  um_ vtryggingastarfsemi_ ,meWsWaribreytingum.       Tilgangurfrumvarpsinssamrmareglursemgildaumfjrhagslegaendurskipulagningu `  eWaslitvtryggingaflagsog_ tibs_ ԀYessEvr;pska_ efnahagssvWinu_ ԀogSviss.FrumvarpiW S+! 'byggisttilskipun_ Evr;pusambandsins_ Ԁnr.2001/17/EBsemertlaWaWkomavegfyriraW " krfuhfumverWimismunaWmeWYvaWmismunandilggildiyfir_ m;Wurflag_ ԀogtibYess # Evr;pska_ efnahagssvWinu_ ԀogSviss.  $   VerWifrumvarpiW;breyttaWlgumerekkigertrWfyriraWYauhafihriftgjldrkis !W% sj;Ws. J""&