WPC xM6GĎ9坱g9ϨIM^[^¬۩[]@XZ›q7)R 6x {iV6V ,Z\vBbR*WDS^˲g tӰ;@N?浛9iCoʎ'mr onΦqZ+EK&g)Qz "bô pS6S)Q`RCVѼbAUN % 0Y#; ^^Z mw4^  D- 72 0U)~ 0#y$?%&& 09' A' 0u( 0U) 02* 0 + 0+ 0, 0- 0CV. 0. 0j/ 080 01 01 02 0R3 04 0@4 0 5 05 06 0l7 018 08 09 0n: 0<%; 1a; 72;(< 1B<7< 72> 12> 72> 1> 72r? 1? 72+@E]@ 0_@ 0<_A 0,A 0A 0&YB 0C 0=D 0:D 05E 0-E 00G 00DH 03tI 0J 0`M 0P 0R 0 U 0V 05Y 0YY B-Z AMJZ 0NZ 0Z 0[N#\ 0%\ 0\ 0c] 0^ 1^ 0>_ 0v_ 0Sd 0vd D5hi 0vi 0Kn 0^n 00r 0-ut 0-t 0wu A)v 0"v 0*ew 0x 0'Ty 1u{z 0$z 0!| 05} 0S~ 0n 00 0 0*o 0' 0$ 0! 0 0# 0> 03V 00 0- 0* 0' 727 0$i 0! 0 1̕ 0m 00 0- 0* 0' 0$6 0!Z 0{ 0 0 00̡ 0- 0*) 0'S 0$z 0! 0 0ݩ 0 03U:C 00} 0- 0*گM 0' 0$/ 0!S B-t 0 0 00ڶ 0- 0*7 0a 0'1 0DX 0$ 0! 0 0 0 032 00e 0- 0* 0' 0$ 0!7 0X 0v 0 00 0 0n 0 0 0K 0 0 0 0 0- 0 0E 0 0] 0 0u 0 0 0 0 01 0 0I 0 1Ua 7 1e 7' 1e5 7 1U 7 U , U >5 7 s 7 7 7 1 72. 1` 72 1 72 1 72Y 1 72 1D 72 1 72 0 0jG DC 1 72{ 1 724 1f 72 1 72 0 0^ 1o 1 1} 1 0 0+ 0 0 0D 1 1 1 1 72 1N 72 1 72S 1 72 1 72S 1 72 1> 72 1 72~ 1 727 1i 72 1" 72 1 72b 1 72 1M 72 1 72 1 72F 1x 72 11 72 1 72q 1 72* 1\ 72/3DDDDDDD7w&d9 Z6Times New Roman RegularX(1$ IS , .\R6&A4\X_XXXTRW<6&A4W<6&A4 6&A4 6&A4T ? 9XX_-?vbX-#ggdd  80dd8ISUS.,     \\clust02.althingi.is\Austurstr 10 3h lp41tt0\\Mimir\forrit\WP2000\template\SKJRIT~1.WPT\\Mimir\forrit\WP2000\template\SkjritunY2k.wpt0U 2Ό|)rirs?gT2s 3|xLevel 1Level 2Level 3Level 4Level 5)!dxdx_*+ (_2623  .. "h?nnunargreinum$t?lvunarfr%Winga"lUsingarh?nnuWa(iWnaWarrWuneytinuupptalningunastarfsheitinu"kerfisfr%WingurCtskriftt?lvut%kna&RafiWnaWarsk;lanst?lvukerfum&t?lvunarfr%Wiskor&t?lvunarfr%Wingar,t?lvunarfr%Wingarnir$skyldunmskeiWum$skyldueiningunum,st%rWfr%WinmskeiWum(st%rWfr%Wigreiningbestunarfr%Wi&t?lvunarfr%Winnar$t?lvunarfr%Winni&skyldueiningarnar2t?lvunarfr%WinmskeiWumt?lvusviWinu"grunnskilningur(t?lvunarfr%Wideildkj?rsviWa&notendahugbCnaWar$kerfishugbCnaWar&viWskiptafr%Wivalt%knigreinum"kerfisfr%Wingarkj?rsviWiforritun"st%rWfr%Wigrunn$umfj?llunarefniW(st%rWfr%WinmskeiW6t?lvunarfr%Wideildarinnart?lvuv%WingarSkUrr hugbCnaWargerW loftskeytamennkerfisfr%Wing"Ctskriftarnemar"CtskriftarnemumstarfsheitiW&t?lvunarfr%WingurhugbCnargerW kerfisfr%WinganetkerfumCtskrifaW&RafiWnaWarsk;linnumsagnaraWili"lgmarksmenntun$starfsheital?ginl?ggilt"rafverkfr%Wingarafverktaka$lUsingarh?nnuWur*D+J (_25   ," <DL,23  ..  2( 4 <DL2  ӂLevel 1Level 2Level 3Level 4Level 5Level 1Level 2Level 3Level 4Level 5Level 1Level 2Level 3Level 4Level 5Level 1Level 2Level 3Level 4Level 5, *HNK2   cf&OLE 2.0 Box <=8C HKKKK*A+J (_24   ) <DL)23  ..  2( 4 <DL2  *>+J (_23  ` &<<DL&23  ..  2( 4 <DL2  *;+J (_22   #DL#23  ..  2( 4 <DL2  *8+J (_21    DL 23  ..  2( 4 <DL2  *5+J (_20  h DDL23  ..  2( 4 <DL2  *2+J (_19   L23  ..  2( 4 <DL2  */+J (_18    L23  ..  2( 4 <DL2  * (_1723  Ԁ*DJ (_16   ," <DL,23  Ԁ  2( 4 <DL2  *AJ (_15   ) <DL)23  Ԁ  2( 4 <DL2  *>J (_14  ` &<<DL&23  Ԁ  2( 4 <DL2  *;J (_13   #DL#23  Ԁ  2( 4 <DL2  *8J (_12    DL 23  Ԁ  2( 4 <DL2  *5J (_11  h DDL23  Ԁ  2( 4 <DL2  *2J (_10   L23  Ԁ  2( 4 <DL2  (/J &_9    L23  Ԁ  2( 4 <DL2  ( &_823  (DJ &_7   ," <DL,23   2( 4 <DL2  (AJ &_6   ) <DL)23   2( 4 <DL2  (>J &_5  ` &<<DL&23   2( 4 <DL2  (;J &_4   #DL#23   2( 4 <DL2  (8J &_3    DL 23   2( 4 <DL2  (5J &_2  h DDL23   2( 4 <DL2  (2J &_1   L23   2( 4 <DL2  &/J $_    L23   2( 4 <DL2  <:Default Para(5hCEKQW]cioAutoList1a.a.a.a.a.a.a.a.3a.(EhCEKQW]cioAutoList2a.a.a.a.a.a.a.a. - ez)ISUS.,,,..X~XXX? XX~-?vbX-#ggdd  ISIS,.   _Ԁ6a.0UhCEKQW]cioAutoList31.1.1.1.1.1.1.1.91.(ehCEKQW]cioAutoList41.1.1.1.1.1.1.1.;1.(uhCEKQW]cioAutoList51.1.1.1.1.1.1.1.=1.2S+P 0_level1  , ;1PPP|, 4<D ";23  ..  8.$$|, 4<D "8  <:footnote ref,*MIVJ2000Level 1   IS XXX US   2zz0Level 3   7 2( 4 <DL2 IS XXX  2( 4 <DL2 US    0GG.header   `  IS XXX US    ` 0GG.footer   `  IS XXX US    ` :8page number:<<8Body Text 2  X  IS XXX US   X <`+f :Outline001_1   ," <DL,23  ..  2( 4 <DL2  <c+f :Outline002_1   /% <DL/23  ..  2( 4 <DL2  <c+f :Outline003_1   /%  <DL/23  ..  2( 4 <DL2  <f+f :Outline004_1   2( 4 <DL223  ..  2( 4 <DL2  < :Outline005_1   ," <DL,A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  2( 4 <DL2  < :Outline006_1   /% <DL/A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  2( 4 <DL2  < :Outline007_1   /%  <DL/A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  2( 4 <DL2  < :Outline008_1   2( 4 <DL2A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  2( 4 <DL2  <Q+Q :Outline009_15+ 4 <DL523  ..5+ 4 <DL5< :Outline010_15+ 4 <DL5A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS5+ 4 <DL5<+ :Outline011_123  ..64Hyperlink     d cfA<< c(O$<+ :Outline011_223  ..<+ :Outline011_323  ..<+ :Outline011_423  ..<+ :Outline011_523  ..<+ :Outline011_623  ..<+ :Outline011_723  ..ikmo0JTEu{}1. a. 1.StafliWir undir t?luliW1.a.1.<+ :Outline011_823  ..(N3z$ !ISUS.,,,..TRV<6&A4X3' Letter 6&A43'TX~XXXTRV<6&A4V<6&A4 6&A4 6&A4T ? XX~-?vbX-#ggdd  86dXXd8ISIS,.      <+ :Outline011_923  ..(N3z$ !ISUS.,,,..TRV<6&A4X3' Letter 6&A43'TX~XXXTRV<6&A4V<6&A4 6&A4 6&A4T ? XX~-?vbX-#ggdd  86dXXd8ISIS,.      UUUU)!dxdx(N3z$ !ISUS.,,,..TRV<6&A4X3' Letter 6&A43'TX~XXXTRV<6&A4V<6&A4 6&A4 6&A4T ? XX~-?vbX-#ggdd  86dXXd8ISIS,.      ( $ Figure  1  (Z3.$ !ISUS.,,,..TRV<6&A4X3' Letter 6&A43'TX~XXXTRV<6&A4V<6&A4 6&A4 6&A4T ? XX~-?vbX-#ggdd  86dXXd8ISIS,.       d <c+f :Outline012_1  { /%W W <DL/23  ..  2( 4 <DL2  (M(m$2JT  0  .3  0  <`+f :Outline012_2   ," <DL,23  ..  2( 4 <DL2  (O;$0  2#  a  .3  0` (#(# cf I&mage <=8C HKKKK(u$0  0` (#(#` `  2  a  .3  0` (#` (#<]+f :Outline012_3 j + ) <DL)23  ..  2( 4 <DL2 j (`$0  0` (#(#0 ` (#` (#0 (# (#"h2  0  .3  0(#(#<Z+f :Outline012_4   &__DL&23  ..  2( 4 <DL2  3#37=CIQYag1.a.i.(1)(a)(i)1)a)<W+f :Outline012_5   #DL#23  ..  2( 4 <DL2  <T+f :Outline012_6 j 3  DL 23  ..  2( 4 <DL2 j <Q+f :Outline012_7   ggL23  ..  2( 4 <DL2  <N+f :Outline012_8   L23  ..  2( 4 <DL2  <K+f :Outline012_9 j ;  L23  ..  2( 4 <DL2 j <c+f :Outline013_1  X /%4 4 <DL/23  ..  2( 4 <DL2  < :Outline013_2   ," <DL,A(\ Y`SymbolA23  S\  `&Times New RomanSA(\ Y`SymbolA..S\  `&Times New RomanS  2( 4 <DL2  <]+f :Outline013_3   ) <DL)23  ..  2( 4 <DL2  <Z+f :Outline013_4  ` &<<DL&23  ..  2( 4 <DL2  <W+f :Outline013_5   #DL#23  ..  2( 4 <DL2  <T+f :Outline013_6    DL 23  ..  2( 4 <DL2  <Q+f :Outline013_7  h DDL23  ..  2( 4 <DL2  <N+f :Outline013_8   L23  ..  2( 4 <DL2  <K+f :Outline013_9    L23  ..  2( 4 <DL2  <f+f :Outline014_1   2( 4 <DL223  ..  2( 4 <DL2  <c+f :Outline014_2  q /%M M <DL/23  ..  2( 4 <DL2  <`+f :Outline014_3 j  ," <DL,23  ..  2( 4 <DL2 j <]+f :Outline014_4  ! ) <DL)23  ..  2( 4 <DL2  <Z+f :Outline014_5  y &UUDL&23  ..  2( 4 <DL2  qi)<W+f :Outline014_6 j  #DL#23  ..  2( 4 <DL2 j <T+f :Outline014_7  )  DL 23  ..  2( 4 <DL2  <Q+f :Outline014_8   ]]L23  ..  2( 4 <DL2   gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)<N+f :Outline014_9 j  L23  ..  2( 4 <DL2 j <c+f :Outline015_1   /%  <DL/23  ..  2( 4 <DL2  <`+f :Outline015_2  _ ,"; ; <DL,23  ..  2( 4 <DL2  <]+f :Outline015_3 j  ) <DL)23  ..  2( 4 <DL2 j <Z+f :Outline015_4   &DL&23  ..  2( 4 <DL2  <W+f :Outline015_5  g #CCDL#23  ..  2( 4 <DL2  <T+f :Outline015_6 j   DL 23  ..  2( 4 <DL2 j <Q+f :Outline015_7   L23  ..  2( 4 <DL2  <N+f :Outline015_8  o KKL23  ..  2( 4 <DL2  <K+f :Outline015_9 j   L23  ..  2( 4 <DL2 j <c+f :Outline016_1  h /%D D <DL/23  ..  2( 4 <DL2  <`+f :Outline016_2   ,"x x <DL,23  ..  2( 4 <DL2  <]+f :Outline016_3 j  ) <DL)23  ..  2( 4 <DL2 j <Z+f :Outline016_4  L &((DL&23  ..  2( 4 <DL2  <W+f :Outline016_5   #DL#23  ..  2( 4 <DL2  <T+f :Outline016_6 j   DL 23  ..  2( 4 <DL2 j <Q+f :Outline016_7  T 00L23  ..  2( 4 <DL2  <N+f :Outline016_8   L23  ..  2( 4 <DL2  <K+f :Outline016_9 j   L23  ..  2( 4 <DL2 j <f+f :Outline017_1   2( 4 <DL223  ..  2( 4 <DL2  4cp Z "Times Regular<c+f :Outline017_2  q /%M M <DL/23  ..  2( 4 <DL2  <`+f :Outline017_3 j  ," <DL,23  ..  2( 4 <DL2 j <]+f :Outline017_4  ! ) <DL)23  ..  2( 4 <DL2  <Z+f :Outline017_5  y &UUDL&23  ..  2( 4 <DL2  <W+f :Outline017_6 j  #DL#23  ..  2( 4 <DL2 j <T+f :Outline017_7  )  DL 23  ..  2( 4 <DL2  )Hairline  d<Q+f :Outline017_8   ]]L23  ..  2( 4 <DL2  <N+f :Outline017_9 j  L23  ..  2( 4 <DL2 j <c+f :Outline018_1  q /%M M <DL/23  ..  2( 4 <DL2  <`+f :Outline018_2   ," <DL,23  ..  2( 4 <DL2  <]+f :Outline018_3   ) <DL)23  ..  2( 4 <DL2  (`H2]$ !ISUS.,,,..TRV<6&A4X3' Letter 6&A43'TX~XXXTRV<6&A4V<6&A4 6&A4 6&A4T ? XX~-?vbX-#ggdd  86dXXd8ISIS,.          0  Ԁ<Z+f :Outline018_4  ` &<<DL&23  ..  2( 4 <DL2  (#$  0  <W+f :Outline018_5   #DL#23  ..  2( 4 <DL2  <T+f :Outline018_6    DL 23  ..  2( 4 <DL2  <Q+f :Outline018_7  h DDL23  ..  2( 4 <DL2  <N+f :Outline018_8   L23  ..  2( 4 <DL2  <K+f :Outline018_9    L23  ..  2( 4 <DL2  <f+f :Outline019_1   2( 4 <DL223  ..  2( 4 <DL2  <c+f :Outline019_2  q /%M M <DL/23  ..  2( 4 <DL2  <`+f :Outline019_3 j  ," <DL,23  ..  2( 4 <DL2 j <]+f :Outline019_4  ! ) <DL)23  ..  2( 4 <DL2  <Z+f :Outline019_5  y &UUDL&23  ..  2( 4 <DL2  <W+f :Outline019_6 j  #DL#23  ..  2( 4 <DL2 j <T+f :Outline019_7  )  DL 23  ..  2( 4 <DL2  <Q+f :Outline019_8   ]]L23  ..  2( 4 <DL2  <N+f :Outline019_9 j  L23  ..  2( 4 <DL2 j <+ :Outline020_123  ..<+ :Outline020_223  ..<+ :Outline020_323  ..<+ :Outline020_423  ..<+ :Outline020_523  ..<+ :Outline020_623  ..<+ :Outline020_723  ..<+ :Outline020_823  ..< :Outline037_123  < :Outline037_223  < :Outline037_323  < :Outline037_423  < :Outline037_523  < :Outline037_623  < :Outline037_723  < :Outline037_823  < :Outline037_923  < :Outline038_123  < :Outline038_223  < :Outline038_323  < :Outline038_423  < :Outline038_523  < :Outline038_623  < :Outline038_723  < :Outline038_823  < :Outline038_923   359=AEIMQ1.P....... 35;AGMSY_2a.a.i.1.a.i.1.a.i. 35;AGMSY_31.a.i.1.a.i.1.a.i. 359=AEIMQ4.........(\ Y`Symbol\  `&Times New Roman.i.i..(hCEKQW]cioAutoList6a.a.a.a.a.a.a.a.a.(hCEKQW]cioAutoList71.1.1.1.1.1.1.1.1.(hCEKQW]cioAutoList81.1.1.1.1.1.1.1.1.( CEKQW]cioAutoList9A.A.A.A.A.A.A.A.A.(գEGMSY_ekqAutoList101.1.1.1.1.1.1.1.1.(:EGMSY_ekqAutoList11A.A.A.A.A.A.A.A.A.(JEGMSY_ekqAutoList12A.A.A.A.A.A.A.A.A.6/ 4Heading 1&&&    &&&20Caption &&& U=Thin Bottomdxd(EGMSY_ekqAutoList131.1.1.1.1.1.1.1.1.(EGMSY_ekqAutoList14a.a.a.a.a.a.a.a.a.(%EGMSY_ekqAutoList15a.a.a.a.a.a.a.a.a.(5EGMSY_ekqAutoList16a.a.a.a.a.a.a.a.a.<%%:Definition T US XXX UK <li:Definition L US XXX , ;1PPP|, 4<D ";  8.$$|, 4<D "8 UK (EEGMSY_ekqAutoList17a.a.a.a.a.a.a.a.(UEGMSY_ekqAutoList18a.a.a.a.a.a.a.a.(eEGMSY_ekqAutoList19a.a.a.a.a.a.a.a.(EGMSY_ekqAutoList20a.a.a.a.a.a.a.a.(xir$0  0` (#(#0 ` (#` (#2#(  0  )3  0 (# (#(F$0  0` (#(#0 ` (#` (#0 (# (#0h(#(#2#(   )3  0h(#h(#($0  0` (#(#0 ` (#` (#0 (# (#0h(#(#0h(#h(#2#  0  )3  0(#(#({$0  0` (#(#0 ` (#` (#0 (# (#0h(#(#0h(#h(#0(#(#2#  a  )3  0p(#(#(F$0  0` (#(#0 ` (#` (#0 (# (#0h(#(#0h(#h(#0(#(#0p(#(#2#     )3  0p(#p(# ikmoh}EGKOSW[_cAutoList22!!!!!!!!)1)a)(EEGMSY_ekqAutoList23a.a.a.a.a.a.a.a.(UEGMSY_ekqAutoList24a.a.a.a.a.a.a.a.(eEGMSY_ekqAutoList25a.a.a.a.a.a.a.a. a.(uEGMSY_ekqAutoList26a.a.a.a.a.a.a.a.a.(EGMSY_ekqAutoList27a.a.a.a.a.a.a.a.a. I ez)ISUS.,,,..X~XXX? XX~-?vbX-#ggdd  ISIS,.   _>? Ҁ0EGMSY_ekqAutoList281.1.a.1.1.1.1.1.1.(EGMSY_ekqAutoList291.1.1.1.1.1.1.1.1.0UEGMSY_ekqAutoList301.1.a.1.1.1.1.1.1.0eEGMSY_ekqAutoList311.1.a.1.1.1.1.1.1.0uEGMSY_ekqAutoList321.1.a.1.1.1.1.1.1.(EGMSY_ekqAutoList331.1.1.1.1.1.1.1.1.(EGMSY_ekqAutoList341.1.1.1.1.1.1.1. 1.(EGMSY_ekqAutoList351.1.1.1.1.1.1.1."1.(EGMSY_ekqAutoList361.1.1.1.1.1.1.1.$1.(ŤEGMSY_ekqAutoList371.1.1.1.1.1.1.1.&1.(դEGMSY_ekqAutoList381.1.1.1.1.1.1.1.(1.(EGMSY_ekqAutoList391.1.1.1.1.1.1.1.*1.(EGMSY_ekqAutoList401.1.1.1.1.1.1.1.,1.(EGMSY_ekqAutoList411.1.1.1.1.1.1.1..1.(EGMSY_ekqAutoList42a.a.a.a.a.a.a.a.0a.(ŤEGMSY_ekqAutoList431.1.1.1.1.1.1.1.21.(դEGMSY_ekqAutoList441.1.1.1.1.1.1.1.41.(EGMSY_ekqAutoList451.1.1.1.1.1.1.1.61. %9_ ) g.+ISUS.,,,..X~XXX? XX~-?vbX-#ggdd  ISIS,.   d  ݀ - az'ISUS.,,,..X~XXX? XX~-?vbX-#ggdd  ISIS,.   _Ԁ !ISUS.,,,..TRV<6&A4X3' Letter 6&A43'TX~XXXTRV<6&A4V<6&A4 6&A4 6&A4T ? XX~-?vbX-#ggdd  86dd8ISIS,.      _7 >?  _ikmo(JT03q@7 89131.lggjafarYing2004!2005. ( Xskj.832"551.ml.     @ Frumvarptillaga# #   ummiWlun_vtrygginga_.   % K #@n n (LagtfyrirAlYingi131.lggjafarYingi2004!2005.) %     I.KAFLI     GildissviWog_orWskUringar_.   ^  1.gr. Q)  GildissviW.     LgYessigildaummiWlun_vtrygginga_Ԁhrlandi.MeWmiWlun_vtrygginga_ԀerttviW   starfsemisemfelstaWkynna,bj;WaframeWaundirbameWWrumhttisamningaum_v   tryggingu_,aWkomaslkumsamningumeWaaWaWstoWaviWframkvmdslkrasamninga, }U  einnigYegarkrafaum_vtryggingarbtur_Ԁersettfram. H    Heimildtil_miWlunar_Ԁ_vtrygginga_Ԁhrlandihafa:  "i(m"  i(m 2JT  1  .3  Ԉ0    _vtryggingamiWlarar_Ԁsemhafastarfsleyfi_Fjrmlaeftirlitsins_Ԁskv.9.gr.,i(m  ݌ Ќ  "i(m"  i(m> 2JT  2  .3  Ԉ0    _vtryggingaumboWsmenn_ԀsemskrWireruhj_vtryggingaflagi_,sbr.39.gr.,i(m> k ݌ Ќ  "i(m"  i(m 2JT  3  .3  Ԉ0    _vtryggingamiWlarar_Ԁog_vtryggingaumboWsmenn_ԀmeWaWalstWvarEvr;pska_efnahags tL svWinu_Ԁutan0slandssemfengiWhafastarfsleyfiheimarki,sbr.55.gr.,i(m ݌? Ќ  "i(m"  i(m2JT  4  .3  Ԉ0    _vtryggingamiWlarar_Ԁog_vtryggingaumboWsmenn_ԀmeWaWalstWvarutanhinsEvr;pska   _efnahagssvWis_ԀsemfengiWhafaleyfihrlanditilaWrekatib,sbr.57.gr.i(m݌ Ќ    LgingildaummiWlun_endurtrygginga_,aWundanskildumkvWum_VI_.og_XI_.kafla. x   kvWi_VI_.og_XI_.kaflagildaekkiviWmiWlun_st;rhttu_. kC   2.gr.  _:frvkjanleiki_.  b  :heimilteraWvkjafrkvWumlagaYessarameWsamningiefYaWleiWirtillakaristWu o _viWskiptamanns_. b:    3.gr. " _OrWskUringar_. #   0lgumYessumermerkingeftirfarandihugtakasemhrsegir:  f$ ! ! (00_ikmo"i(m"  i(mP2  1  .3  Ԉ0    VtryggingamiWlun:i(mP}݌Y!1% Ќ  "m"  mH0  0 2  a  .3  Ԉ0u  starfsemivtryggingamiWlarasemfelstaWmiWlaeiginbyrgWvtryggingum,sbr. $"& 1.mgr.1.gr.,ogbyggisthlutlausrigreiningu_vtryggingarsamninga_ԀsemboWieru "' markaWi,mHu݌#(uu Ќ  "m"  mZ0  0ww 2  b  .3  Ԉ0u  starfsemi_vtryggingamiWlara_ԀsemfelstaWmiWlaeiginbyrgW_vtryggingum_,eins $] )  eWafleiri_vtryggingaflaga_,sbr.1.mgr.1.gr.mZ݌#P%(!*uu #89 89_ 8  ь  "i(m"  i(m2  2  .3  Ԉ0    &   VtryggingamiWlari:einstaklingureWalgaWilisemstundarmiWlunfrum-og/eWaendur 1 tryggingagegnendurgjaldi.i(m݌ Ќ  "i(m"  i(m`2  3  .3  Ԉ0    VtryggingaumboWsmaWur:einstaklingureWalgaWilisemgrundvellisamningsmiWlar  frum-og/eWaendurtryggingum,sbr.1.mgr.1.gr.,vegumeinseWafleirivtrygginga a flaga'1jԀogbyrgWYeirragegnendurgjaldi.i(m`݌], Ќ  "i(m"  i(mp2  4  .3  Ԉ0    VtryggingaslumaWur:starfsmaWursemstarfarvegumogbyrgWvtrygginga ( miWlara,vtryggingaumboWsmannseWavtryggingaflagsviWmiWlunvtrygginga.i(mp݌ Ќ  "i(m"  i(m!2  5  .3  Ԉ0    AWildarrki:rkisemeraWiliaWEvr;pskaefnahagssvWinueWaaWiliaWstofnsamningi   FrverslunarsamtakaEvr;pu.i(m!I!݌ X Ќ  "i(m"  i(m"2  6  .3  Ԉ0    Heimarki:aWildarrkiYarsemaWalstWvarvtryggingamiWlaraeruogstarfsleyfiergef T #  iWt.i(m""݌   Ќ  "i(m"  i(m$2  7  .3  Ԉ0    Gistirki:aWildarrkiYarsemvtryggingamiWlarimeWaWalstWvarWruaWildarrkihefur    tibeWaveitirYj;nustunstarfsstWvar.i(m$2$݌  Ќ  "i(m"  i(m%2  8  .3  Ԉ0    XriWjarki:rkiutanhinsEvr;pska_efnahagssvWis_.i(m%%݌O  Ќ  "i(m"  i(m&2  9  .3  Ԉ0    Eftirlitsstj;rnvld:aWilisemsamkvmtlgumhlutaWeigandirkisfermeWeftirlitmeW K  vtryggingamiWlurum,vtryggingaflgumogvtryggingastarfsemi,hrlandiFjr   mlaeftirlitiW.i(m&'݌  Ќ  "i(m "  i(m(112  10  .3  Ԉ0    VaranlegurmiWill:tkisemgerirviWskiptamannikleiftaWgeymaupplUsingar,sembeint {  ertilhans,;breyttarYannigaWhanngetiafritaWYrogflettuppYeimkveWinntma.i(m((݌wF Ќ  "i(m "  i(m*112  11  .3  Ԉ0    Virkureignarhlutur:beineWa;beinhlutdeildflagisemnemur10%eWameiraafeigin B feWaatkvWisrttieWannurhlutdeildsemgerirkleiftaWhafaveruleghrifstj;rn   viWkomandiflags.i(m**݌ Ќ  "i(m "  i(mu,112  12  .3  Ԉ0    St;rhtta:greinaflokkarvtryggingaertengjastatvinnurekstriogstrrifyrirtkjum r srstaklega,sbr.7.gr.laganr.60/1994,umvtryggingastarfsemi,meWsWaribreyt n= ingum.i(mu,,݌9 Ќ    4.gr.  StarfsemiundanYeginlgunum.  =.  Lgintakaekkitil: i ! ! (80 "i(m"  i(m/2  1  .3  Ԉ0    starfsemivtryggingaflagaogstarfsmannaYeirra,nemaannarssgetiW,i(m//݌e4 Ќ  "i(m"  i(m02  2  .3  Ԉ0    rWgjafarsemtilfallandierveittinnanrammaannarraratvinnustarfsemiYegartilgang 0 urinnmeWrWgjfinnierekkisaWaWstoWaviWskiptamannviWgerWeWaframkvmd  vtryggingarsamnings,i(m00݌ Ќ  "i(m"  i(m22  3  .3  Ԉ0    almennrarupplUsingagjafarumvtryggingareWaYessaWkomatengslumviWv `  tryggingaflagaWYvtilskilduaWtilgangurinnsekkisaWaWstoWaviWskiptamennviW \+! aWgeraeWaefnavtryggingarsamning,endafiviWkomandiekkiendurgjaldfyrir,i(m22݌'" Ќ  "i(m"  i(m42  4  .3  Ԉ0    starfsemiatvinnuskyniYarsemframfermeWferWvtryggingarkrafnavtryggingaflags, # tj;nsuppgjrogsrfrWimattj;nakrfum.i(m44݌ $ Ќ    5.gr. S""& TakmrkungildissviWi. #' E6  LgintakaekkitilmiWlunarvtryggingaeflleftirfarandiskilyrWieruuppfyllt: #( ! ! (U08"i(m"  i(m72U  1  .3  Ԉ0    VtryggingarsamningurinnkrefsteingnguYekkingarYeirrivtryggingarverndsem $ ) hannveitir.i(m77݌%N!* Ќ  "i(m"  i(m"92U  2  .3  Ԉ0    Vtryggingarsamningurinnerekkilftryggingarsamningur.i(m"9O9݌J&"+ Ќ  "i(m"  i(m6:2U  3  .3  Ԉ0    VtryggingarsamningurinntekurekkitilskaWab;tabyrgWar.i(m6:c:݌'", Ќ  "i(m"  i(mU;2U  4  .3  Ԉ0    MiWlunvtryggingaerekkiaWalatvinnaviWkomandi.i(mU;;݌'#- Ќ  "i(m"  i(ml<2U  5  .3  Ԉ0    VtrygginginkemurtilviWb;tartryggingueWaYj;nustusemltinertafhvaWaaWila 1 semerefvtrygginginnryfir:i(ml<<݌ Ќ  "m"  m=0  0 2U  a  .3  Ԉ0u  httuaWvrur,semaWililturt,bili,glatisteWaskemmisteWam=>݌uu Ќ  "m"  m??0  0ww 2U  b  .3  Ԉ0u  farangur,semskemmisteWaglatast,ogaWrahttusemtengistferWsemb;kuWerhj a YeimaWila,jafnvelY;ttvtrygginginfelisrlftryggingueWaskaWab;tabyrgW,aW ], YvtilskilduaWvtryggingarverndinstilviWb;tarviWaWalverndinagegnhttu ( tengdriferWinni.m??l?݌uu Ќ  "i(m"  i(mA2U  6  .3  Ԉ0    rlegtiWgjalderekkihrraen40.000kr.,Y;aldreihrraen500evrurmiWaWviWopin   bertviWmiWunargengievruhverjumtma.i(mAA݌ X Ќ  "i(m"  i(mZC2U  7  .3  Ԉ0    Gildistmivtryggingarsamningserekkilengrienfimmr.i(mZCC݌T #  Ќ    II.KAFLI     VeitingstarfsleyfisvtryggingamiWlara.    6.gr. O  Starfsleyfisveitandi. K  rD  FjrmlaeftirlitiWveitirvtryggingamiWlarastarfsleyfisamkvmtlgumYessum.     VtryggingamiWlaraerheimiltaWhefjastarfsemiYegarleyfiFjrmlaeftirlitsinshefur   veriWveitt. {    7.gr. B Ums;kneinstaklinga.   ^F  Ums;kneinstaklingaumstarfsleyfivtryggingamiWlaraskalveraskriflegoghenniskulu  fylgja: r ! ! (e00"i(m"  i(mH2e  1  .3  Ԉ0    Nafn,kennitalaoglgheimiliumskjanda.i(mH0H݌n= Ќ  "i(m"  i(mI2e  2  .3  Ԉ0    UpplUsingarumgreinaflokkavtryggingasemmiWla,sbr.22.og23.gr.lagaum 9 vtryggingastarfsemi.i(mI5I݌ Ќ  "i(m"  i(mdJ2e  3  .3  Ԉ0    StaWfestingaWumskjandiuppfyllikrfurskv.15.gr.i(mdJJ݌ Ќ  "i(m"  i(m~K2e  4  .3  Ԉ0    StaWfestingaWstarfsmennumskjandauppfyllikrfurskv.17.gr.i(m~KK݌i Ќ  "i(m"  i(mL2e  5  .3  Ԉ0    UpplUsingarumfyrirhugaWstarfsskipulagYarsemm.a.skalgreinafrhvernigfyrirhug e4 aWristarfsemiverWursinnt,starfsstW,fyrirhuguWumfjldastarfsmanna,innraeftirliti 0 oghttustUringu.i(mLL݌ Ќ  "i(m"  i(mN2e  6  .3  Ԉ0    tlunumstarfseminaYarsemeftirfarandiskalkomafram:i(mNN݌ Ќ  "m"  mO0  0 2e  a  .3  Ԉ0u  rkstuttmatkostnaWiviWaWkomastarfseminnif;toghvernigtlaWeraWmta `  YeimkostnaWi,mOO݌\+!uu Ќ  "m"  m2Q0  0ww 2e  b  .3  Ԉ0u  tluWstaWastarfseminnarsamkvmtefnahagsreikningilokYriggjafyrstureikn '" ingsrannasamttlunumrlegartekjuroggjld,m2Q_Q݌#uu Ќ  "m"  mR0  0 2e  c  .3  Ԉ0u  tlunumhvernigumskjandihyggststandaviWskuldbindingarsnarfyrstuYrj  $ reikningsrin.mRS݌!W%uu Ќ  "i(m"  i(mUT2e  7  .3  Ԉ0    VottorWumgildastarfsbyrgWartryggingu,skilmlahennarsamtheitiogaWsetrihlutaW S""& eigandivtryggingaflags.i(mUTT݌#' Ќ  "i(m"  i(mU2e  8  .3  Ԉ0    GreinargerWumnintengslviWvtryggingaflgogvtryggingamiWlara.i(mUU݌#( Ќ  "i(m"  i(mV2e  9  .3  Ԉ0    0hvaWarkjumEvr;pskaefnahagssvWisinsfyrirhugaWeraWstundavtryggingamiWlun.i(mVW݌$ ) Ќ  "i(m "  i(m4X112e  10  .3  Ԉ0    AWrarviWeigandiupplUsingarsemFjrmlaeftirlitiWkveWur.i(m4XaX݌%N!*    J&"+   & ,  8.gr. 1 Ums;knlgaWila.  {Y  Ums;knlgaWilaumstarfsleyfivtryggingamiWlaraskalveraskriflegoghenniskulu  fylgja:',1Y a ! ! (u00 "i(m"  i(mG[2u  1  .3  Ԉ0    Nafn,kennitalaoglgheimiliumskjanda.i(mG[t[݌], Ќ  "i(m"  i(mL\2u  2  .3  Ԉ0    UpplUsingarumgreinaflokkavtryggingasemmiWla,sbr.22.og23.gr.lagaum ( vtryggingastarfsemi.i(mL\y\݌ Ќ  "i(m"  i(m]2u  3  .3  Ԉ0    SamYykktirflagsins.i(m]]݌  Ќ  "i(m"  i(m^2u  4  .3  Ԉ0    tlunumstarfseminaYarsemeftirfarandiskalkomafram:i(m^^݌ X Ќ  "m"  m_0  0 2u  a  .3  Ԉ0u  rkstuttmatkostnaWiviWaWkomastarfseminnif;toghvernigtlaWeraWmta T #  YeimkostnaWi,m__݌  uu Ќ  "m"  mIa0  0ww 2u  b  .3  Ԉ0u  tluWstaWaflagsinssamkvmtefnahagsreikningilokYriggjafyrstureikningsr    annasamttlunumrlegartekjuroggjld,mIava݌ uu Ќ  "m"  mb0  0 2u  c  .3  Ԉ0u  tlunumhvernigumskjandihyggststandaviWskuldbindingarsnarfyrstuYrj O  reikningsrin.mbc݌K uu Ќ  "i(m"  i(mid2u  5  .3  Ԉ0    Nfn,kennitluroglgheimilistofnendaoghluthafa.i(midd݌  Ќ  "i(m"  i(mze2u  6  .3  Ԉ0    Nfn,kennitluroglgheimilistj;rnarmanna,framkvmdastj;raogannarrastj;rnenda.   i(mzee݌  Ќ  "i(m"  i(mf2u  7  .3  Ԉ0    StaWfestingaWfyrirsvarsmennumskjandauppfyllikrfurskv.16.gr.i(mff݌wF Ќ  "i(m"  i(mg2u  8  .3  Ԉ0    StaWfestingaWstarfsmennumskjandauppfyllikrfurskv.17.gr.i(mgh݌B Ќ  "i(m"  i(mi2u  9  .3  Ԉ0    VottorWumgildastarfsbyrgWartryggingu,skilmlahennarsamtheitiogaWsetrihlutaW   eigandivtryggingaflags.i(mi@i݌ Ќ  "i(m "  i(mj112u  10  .3  Ԉ0    GreinargerWumnintengslviWvtryggingaflgogvtryggingamiWlara.i(mjj݌r Ќ  "i(m "  i(mk112u  11  .3  Ԉ0    0hvaWarkjumEvr;pskaefnahagssvWisinsfyrirhugaWeraWstundavtryggingamiWlun.i(mkk݌n= Ќ  "i(m "  i(ml112u  12  .3  Ԉ0    AWrarviWeigandiupplUsingarsemFjrmlaeftirlitiWkveWur.i(ml!m݌9 Ќ    9.gr.  Veitingstarfsleyfis. i n  kvrWunFjrmlaeftirlitsinsumveitingustarfsleyfisskaltilkynntumskjandaskriflega e4 svoflj;ttsemunnterogeigisWarenmnuWieftiraWfullbinums;knbarst. 0   0starfsleyfiskalkomaframtilhvaWagreinaflokkavtryggingastarfsleyfiWtekur.    FjrmlaeftirlitiWskalbirtatilkynninguumstarfsleyfivtryggingamiWlaraLgbirtinga  blaWi. `    10.gr. '" Synjunstarfsleyfis. # p  Fullngiums;knumstarfsleyfiekkiskilyrWumlagaYessaraaWmatiFjrmlaeftirlitsins  $ skalums;kninnisynjaW. !W%   SynjunFjrmlaeftirlitsinsums;knskalrkstuddogtilkynntumskjandainnanmnaWar S""& frm;ttkufullbinnarums;knar.SynjunskalY;alltafhafaboristumskjandasex #' mnuWumfrm;ttkuums;knar. #(   11.gr. %N!* Skryfirveittstarfsleyfi. J&"+ r  FjrmlaeftirlitiWskalhaldaskr,vtryggingamiWlaraskr,yfirYsemleyfihafatilv '", tryggingamiWlunarhrlandi. '#-   EftirfarandiatriWiskuluskrW: 1 ! ! (80 "i(m"  i(mt2  1  .3  Ԉ0    Nafn,kennitalaoglgheimilivtryggingamiWlara.i(mt u݌ Ќ  "i(m"  i(mv2  2  .3  Ԉ0    Btgfudagurstarfsleyfis.i(mv0v݌ Ќ  "i(m"  i(mv2  3  .3  Ԉ0    GreinaflokkarvtryggingasemheimilteraWmiWla.i(mv(w݌a Ќ  "i(m"  i(mx2  4  .3  Ԉ0    TengslviWvtryggingaflgogvtryggingamiWlara.i(mx݌`  Ќ  "i(m"  i(m/2Ť  3  .3  Ԉ0    eftirlitsgjaldervanskilum,i(m/\݌\+! Ќ  "i(m"  i(m)2Ť  4  .3  Ԉ0    vtryggingamiWlarieWastarfsf;lkhansuppfyllaekkihfisskilyrWisemframkoma '" 15.!17.gr.,i(m)V݌# Ќ  "i(m"  i(m2Ť  5  .3  Ԉ0    starfsleyfihefurekkiveriWnUttinnant;lfmnaWafrYvaWYaWvarveitt,YvveriW  $ ;tvrttafsalaWeWastarfsemihefurveriWhttmeiraensexmnuWisamfellt,i(m݌!W% Ќ  "i(m"  i(mK2Ť  6  .3  Ԉ0    vtryggingamiWlaribrUturaWWruleytialvarlegaeWatrekaWgegnlgumYessumeWa S""& reglum,samYykktumeWareglugerWumsettumsamkvmtYeim.i(mKx݌#' Ќ    Wurentilafturkllunarkemurskv.1.mgr.skalvtryggingamiWlaraveitturhfilegur #( fresturtilrb;tasunntaWkomarb;tumviWaWmatiFjrmlaeftirlitsins. $ )   ViWafturkllunstarfsleyfisskalFjrmlaeftirlitiWtakavtryggingamiWlaratafvtrygg %N!* ingamiWlaraskr. J&"+   '",   & ,  35.gr. 1 Tilkynningumafturkllunstarfsleyfis.    AfturkllunstarfsleyfivtryggingamiWlaraskaltilkynntfyrirsvarsmannieWastj;rnv  tryggingamiWlaraogrkstuddskriflega.FjrmlaeftirlitiWskalbirtatilkynningu',1ԀLgbirtinga a blaWiogauglUsafjlmiWlum.StarfrkivtryggingamiWlaritibeWaYj;nustustarfsemi ], WrurkiskaltilkynningsendlgbrumeftirlitsaWilumYvrki. (   36.gr.   Innlgnstarfsleyfis.  X 0  HyggistvtryggingamiWlarihttastarfsemi,standihannekkilengurfyrirsjlfstWristarf T #  semieWastarfihannekkilengurhjvtryggingamiWlaraskalhannskilainnstarfsleyfisnu.      WurenvtryggingamiWlarihttirstarfsemiogleggurinnstarfsleyfisittskalhanngera    viWeigandirWstafanirtilaWtryggjarttarstWuviWskiptamannasinna.HannskalupplUsa   viWsemjendursna,Y.e.vtryggingaflgogYsemhafafalasteftirvtryggingu,uminnlgn O  starfsleyfis.HannskaljafnframtleitastviWaWfannantilYessbranaWila,einneWafleiri, K  tilaWtakaaWsraWYj;nustaYvtryggingarsamningasemkomiWhefurveriW.Hannskal   geraFjrmlaeftirlitinugreinfyrirrWstfunumsnum.     VtryggingamiWlarasemhyggstskilainnstarfsleyfisnuskv.1.mgr.er;heimiltaWsegja {  uppstarfsbyrgWartryggingufyrrenaWfenginnistaWfestinguFjrmlaeftirlitsinnlgnleyfis. wF   ViWinnlgnstarfsleyfisskalvtryggingamiWlarifelldurtafvtryggingamiWlaraskr. B FjrmlaeftirlitiWskalbirtatilkynninguYessefnisLgbirtingablaWi.     :skiaWilisemlagthefurstarfsleyfiinnaWhefjastarfsemiaWnUjuferumYums;kneftir  kvWumII.kafla. r   VIII.KAFLI 9  TilkynningarogskilggnumvtryggingamiWlara.   37.gr.  Skilrsreiknings. i   VtryggingamiWlariskalsendaFjrmlaeftirlitinursreikningendurskoWaWanaflggiltum e4 endurskoWandaeigisWarenfj;rummnuWumeftirlokreikningsrs.rsreikningurskal 0 undirritaWurafvtryggingamiWlaraogstj;rnogframkvmdastj;raYegarumlgaWilaeraW  rWa.    0skUringumrsreikningsskalgreinafrheildarfjrhWfjrmunasemvtryggingamiWlari `  varWveitirvrslufjrreikningumrslokfyrirhndviWskiptaaWila,sbr.22.gr.Xskalfylgja \+! yfirlUsinglggiltsendurskoWandaumaWmeWferWvtryggingamiWlarafjrmunumundan '" gengiWreikningsrssamrmiviWlgYessiogreglurumvrslufjrreikninga. #   rsreikningiskalfylgjaskryfirYauvtryggingaflgsemmiWlaWertilvegnavtrygg  $ ingarhttuhrlandisamtiWgjaldamagniogY;knunfrhverjuflagivegnavtryggingar !W% samningasemkomiWhefurveriW,meWskiptingugreinaflokkavtrygginga.Einnigskal S""& fylgjagreinargerWumnnurtengslviWvtryggingaflg. #'   &  38.gr. $ ) TilkynningumframkomnaskaWab;takrfu. %N!* 8  VtryggingamiWlariskalYegarstaWtilkynnaFjrmlaeftirlitinuefgerWerskaWab;takrafa J&"+ vegnastarfahans.0tilkynningunniskulukomaframupplUsingarumefniogfjrhWkrf '", unnar.'$D '#- Ї  IX.KAFLI 1  SkrningvtryggingaumboWsmanns.   39.gr.  SkrningvtryggingaumboWsmanns. a   XegarvtryggingaflaghefurgertsamningviWvtryggingaumboWsmannummiWlunv ], tryggingaflagsinsskalflagiWskrvtryggingaumboWsmann,sbr.40.gr.Almenningiskal ( heimillaWganguraWupplUsingumumskrWavtryggingaumboWsmennhjviWkomandiv  tryggingaflagi.     VtryggingaumboWsmannierheimiltaWhefjastarfsemiYegarhannhefurveriWskrWurhj  X vtryggingaflagi. T #    XegarvtryggingaumboWsmaWurhttiraWmiWlavtryggingumvegumvtryggingaflags    skalhanntekinntafskrflagsins.      FjrmlaeftirlitiWgetursettnnarireglurumskrninguvtryggingaumboWsmanns.     40.gr. K  SkilyrWiskrningar.   D  WurervtryggingaflagskrirvtryggingaumboWsmannskalflagiWgangarskuggaum   aW: {  ! ! ((դ88&"i(m"  i(m2դ  1  .3  Ԉ0    einstaklingursemstarfarsemvtryggingaumboWsmaWuruppfyllikvWi1.og2.mgr. wF 15.gr.,i(m݌B Ќ  "i(m"  i(mA2դ  2  .3  Ԉ0    vtryggingaumboWsmaWursemstarfarsemlgaWiliuppfyllikvWi16.gr.,i(mAn݌  Ќ  "i(m"  i(mq2դ  3  .3  Ԉ0    vtryggingaslumennsemstarfabyrgWvtryggingaumboWsmannsuppfylliskilyrWi2.  og3.mgr.17.gr.i(mq݌r Ќ    41.gr. 9 Heiti.    SeinnmnotaheitiWvtryggingaumboWsmaWursemhefurveriWskrWurhjvtrygg  ingaflagi. i   ShttaaWvillstverWinafnierlendsvtryggingaumboWsmannssemstarfarhrlandi e4 grundvelli55.gr.oginnlendsvtryggingaumboWsmannsgeturFjrmlaeftirlitiWkrafistYess 0 aWannarvtryggingaumboWsmaWurinnverWiauWkenndursrstaklega.    42.gr. `  Takmarkanirstarfsemi. \+! 1  VtryggingaumboWsmaWurskaleinungismiWlafrumtryggingumvegumvtrygginga '" flagasemhafastarfsleyfihrlandi.StarfsleyfivtryggingaflagsaWildarrkitelstjafn # gildastarfsleyfihr_landi,enda_ԀsuuppfylltskilyrWilagaumvtryggingastarfsemivarWandi  $ heimildirtilstofnunartibseWatilaWveitahrYj;nustunstofnunartibs. !W%   FjrmlaeftirlitiWgetur,YegarsrstakaraWstWurerufyrirhendi,heimilaWundanYgurfr S""& banniskv.1.mgr. #'   43.gr. $ ) ViWtakafjrmuna. %N!* O   VtryggingaumboWsmaWurmekkitakaviWiWgjldum,vtryggingarb;tumeWaWrum J&"+ fjrmunumfyrirhndvtryggingaflagseWaviWskiptamannsnemasamkvmtskriflegri '", heimild. '#- Ї  44.gr. 1 Vrslufjrreikningur.     VtryggingaumboWsmannierskyltaWhaldafjrmunumsemhanntekurviWYguannarra  aWgreindumfreiginf.SkuluslkirfjrmunirvarWveittirsrstkumvrslufjrreikningi. a Vextir,semvrslufkunnaaWfalla,rennatileigandaYess.VtryggingaumboWsmaWurer ], ekkieigandiinnstWuvrslufjrreikningisamkvmt&  YessarigreinoginnstWanerekki ( hftandlag'( aWfarargerWahjhonumogstendurutanskuldaraWarviWskiptibihans.    ViWskiptarWherraseturnnarireglurumvrslufjrreikninga.     X.KAFLI T #   StarfshttirvtryggingaumboWmanns.     45.gr.    YfirsUnyfirstarfseminaogsrstakarrWstafanir.     VtryggingaumboWsmaWurskal: O  ! ! *(88("i(m"  i(m2  1  .3  Ԉ0    gtaYessaWframkvmdastj;rivtryggingaumboWsmannshafiyfirsUnyfirreksturstarf K  seminnar,i(m ݌  Ќ  "i(m"  i(m;2  2  .3  Ԉ0    gtaYessaWsstarfsmaWur,semhefurumsj;nmeWdaglegristarfsemitengslumviW   miWlunvtrygginga,sbr.1.mgr.1.gr.,hafiyfirsUnyfirreksturstarfseminnar,i(m;h݌{  Ќ  "i(m"  i(m2  3  .3  Ԉ0    gtaYessaWfjldivtryggingaslumannaerstarfahansvegumshfilegursvo wF fullvstmegiteljaaWhannhafiyfirsUnyfirreksturinn.i(m݌B Ќ    46.gr.  RWningar-eWaverksamningar. r p  VtryggingaumboWsmaWurskalgeraskrifleganrWningar-og/eWaverksamningviWv n= tryggingaslumennsemeruYj;nustuhanseWakomaframfyrirhanshnd.XarskalkveWiW 9 umrttindiogskylduraWila,YarmeWalumaWvtryggingaslumaWurstarfibyrgWog  undirstj;rnogeftirlitivtryggingaumboWsmanns.VtryggingaslumaWursemerYj;nustu  eWakemurframfyrirhndvtryggingaumboWsmannsskalstarfafullusamrmiviWYr i reglursemgildaummiWlunvtrygginga.ViWkomandiberaWleysastarfsittafhendisam e4 rmiviWg;WarvenjurvtryggingaviWskiptum. 0   47.gr.  Skilrki. `     HverssemerYj;nustueWakemurframfyrirhndvtryggingaumboWsmannsskalviW \+! strfsnframvsafullngjandiskilrkjumsemtgefineruafvtryggingaumboWsmannisem '" hannstarfarfyrir. #   & , 48.gr. !W% TrnaWarupplUsingar. S""&   VtryggingaumboWsmaWur,stj;rnarmenn,framkvmdastj;rar,endurskoWendur,vtrygg #' ingaslumenn,aWrirstarfsmennoghverjir',!ԀYeirsemtakaaWsrverkYguvtrygginga #( umboWsmannserubundnirYagnarskylduumalltYaWsemYeirfvitneskjuumviWfram $ ) kvmdstarfasnsogvarWarviWskipta-eWaeinkamlefniviWskiptamanna,nemaskyltsaW %N!* veitaupplUsingarsamkvmtlgum.XagnarskyldanhelstY;ttltiWsafstarfi. J&"+   SsemveitirviWtkuupplUsingumafYvtagisemumgetur1.mgr.erbundinnYagnar '", skyldumeWsamahttiogYargreinir.SaWilisemveitirupplUsingarnarskalminnaviW '#- takandaumYagnarskylduna. 1   ViWmiWlunvtryggingaskalfullngjaskilyrWumlagaumpers;nuverndogmeWferWpers  ;nuupplUsinga,nr.77/2000.    4& a 9.gr. ], G;WirviWskiptahttirogvenjur. ( z  VtryggingaumboWsmaWur'a]skalstarfasamrmiviWg;WaviWskiptahttiogvenjurv  tryggingamarkaWiogmeWhagvtryggingartakaogvtryggWrafyriraugum.VerWimisbrestur   skalFjrmlaeftirlitiWgefafyrirmliumaWrWinverWib;tYvsemrskeiWishefurfariW.  X   50.gr.    ReglugerWarheimild.       ViWskiptarWherrahefurheimildtilaWkveWannarumstarfshttivtryggingaumboWs   mannareglugerW,YarmeWalumyfirsUnvtryggingaumboWsmannayfirrekstur. O    XI.KAFLI    UpplUsingaskyldavtryggingaumboWmanns.    51.gr. {  UpplUsingarviWgerWogendurnUjunvtryggingarsamnings. wF "  WurenvtryggingarsamningurergerWurskalvtryggingaumboWsmaWurltavntan B legumvtryggingartakata.m.k.eftirfarandiupplUsingar:   ! ! ,(88*"i(m"  i(my$2  1  .3  Ԉ0    NafnogheimilisfangvtryggingaumboWsmanns.i(my$$݌ Ќ  "i(m"  i(m%2  2  .3  Ԉ0    HvarvtryggingaumboWsmaWurerskrWuroghverniggangamegirskuggaumskrn r inguna.i(m%%݌n= Ќ  "i(m"  i(m&2  3  .3  Ԉ0    HeitiYeirravtryggingaflagasemhannerumboWsmaWurfyrir.i(m&'݌9 Ќ  "i(m"  i(m'2  4  .3  Ԉ0    HvortvtryggingaumboWsmaWureigivirkaneignarhlut_vtryggingaflagi_.i(m'%(݌ Ќ  "i(m"  i(mB)2  5  .3  Ԉ0    HvorttiltekiWvtryggingaflageWam;Wurflagtiltekinsvtryggingaflagseigivirkan  eignarhlutvtryggingaumboWi.i(mB)o)݌i Ќ  "i(m"  i(m*2  6  .3  Ԉ0    Umendurgjaldskv.1.mgr.53.gr.YegarviW.i(m**݌e4 Ќ    ViWendurnUjunvtryggingarsamnings,eWabreytinguhans,skalveitavtryggingartaka 0 upplUsingarskv.1.mgr.hafibreytingarorWiWatriWumsemtalineruupp1.!6.tlul.    UpplUsingaskyldavtryggingaflagssamkvmtlgumumvtryggingarsamningaog  lgumumvtryggingastarfsemihvlirvtryggingaumboWsmanniviWmiWlunvtrygginga `  eftirYvsemviW. \+!   & , 52.gr. # RkstuWningurrWgjafar.  $ -  WurenvtryggingarsamningurergerWurskalvtryggingaumboWsmaWurskilgreina,eink !W% umgrundvelliupplUsingafrvntanlegum',-vtryggingartaka,krfurogYarfirhans.Skal S""& hann&  skUravntanlegumvtryggingartakafrYeimstWumsemliggjaaWbakirWlegging #' umhans.UmfangskUringamiWastviWhversufl;knumvtryggingarsamningimltermeW.'#d/ #(   53.gr. %N!* Endurgjald. J&"+ s0  MiWlivtryggingaumboWsmaWurvtryggingumsamagreinaflokkivegumfleirieneins '", vtryggingaflagsskalvntanlegurvtryggingartakiupplUsturumendurgjaldsemvtrygg '#- ingaumboWsmaWurYiggureWaskilursrvegnaviWskiptanna.SkUrtskalkomaframhvor 1 skuligreiWaendurgjaldiW,vntanlegurvtryggingartakieWavtryggingaflag.    EigivntanlegurvtryggingartakiaWgreiWaendurgjaldsemvtryggingaumboWsmaWur  YiggureWaskilursrvegnaviWskiptanna,aWhlutaeWalluleyti,skalhannvalltupplUstur a umendurgjaldiWWurenhannerskuldbundinnafsamningi. ],   UpplUsingarsamkvmtkvWinuskaleinnigveitaviWbreytingueWaendurnUjunv ( tryggingarsamningi.    54.gr.  X FormupplUsinga. T #  4  UpplUsingarsemveittarerusamkvmtYessumkaflaskalveita:    ! ! .(88,"i(m"  i(m62  1  .3  Ԉ0    skriflegaeWaWrumvaranlegummiWli,i(m6D6݌   Ќ  "i(m"  i(m#72  2  .3  Ԉ0    skUranognkvmanhttsemviWtakandanumerskiljanlegur,i(m#7P7݌  Ќ  "i(m"  i(mA82  3  .3  Ԉ0    slenskueWaWrutungumlisembWiraWilarsamYykkja.i(mA8n8݌O  Ќ    XrttfyrirkvWi1.tlul.1.mgr.erheimiltaWveitaupplUsingarmunnlega;skivntan K  legurvtryggingartakiYesssrstaklegaeWaefvtryggingarverndarerYrfYegarstaW.0   slkumtilvikumskalveitaupplUsingarsamrmiviW1.mgr.YegarstaWeftirgerWv   tryggingarsamnings. {    ViWmiWlunvtryggingasmsluskalveitaupplUsingarskv.9.gr.lagaumfjarslufjr wF mlaYj;nustu.UpplUsingarskv.1.mgr.skuluveittarYegarstaWeftirgerWvtryggingar B samnings.     XII.KAFLI r  Starfsemimillilanda.  n= 55.gr. 9 StarfsemierlendravtryggingamiWlaraogvtryggingaumboWsmannahrlandi.  :<  VtryggingamiWlarieWavtryggingaumboWsmaWur,semerskrWureWahefurstarfsleyfi  WruaWildarrki,geturstofnsetttibhrlandieWaveittYj;nustun_starfsstWvar_Ԁeinum i mnuWieftiraWFjrmlaeftirlitinuhefurboristtilkynningfrlgbruyfirvaldiheimarki e4 viWkomandiumfyrirhugaWastarfsemi. 0   &  56.gr.  Starfsemiinnlendra_vtryggingamiWlara_ԀogvtryggingaumboWsmannaerlendis. `  ?  VtryggingamiWlararogvtryggingaumboWsmenn,semviljastundastarfsemiWru \+! aWildarrkimeWstofnuntibseWaveitaYarYj;nustunstarfsstWvar,skulutilkynnaFjr '" mlaeftirlitinuslkafyrirtlan.0tilkynningutilFjrmlaeftirlitsinsskalkomafram:'"? # ! ! 6(88."i(m"  i(m B2  1  .3  Ԉ0    aWildarrkiYarsemviWkomandihyggststofnsetjatibogheimilisfangYesseWai(m B6B݌ $ Ќ  "i(m"  i(mCC2  2  .3  Ԉ0    aWildarrkiYarsemviWkomandihyggstveitaYj;nustunstofnunartibs.i(mCCpC݌!W% Ќ    &  FjrmlaeftirlitiWskalinnanmnaWartilkynnalgbrumyfirvldumhlutaWeigandirkis S""& fyrirtlanviWkomandi,endasafhlfuaWildarrkis;skaWeftirslkumupplUsingum.'S"D #'   VtryggingamiWlaraeWavtryggingaumboWsmannierheimiltaWhefjastarfsemieinum #( mnuWieftiraWFjrmlaeftirlitiWhefurtilkynntviWkomandiaWtilkynningumfyrirhugaWa $ ) starfsemihafiveriWsendgistirkienYegarstaW;skiaWildarrkiekkieftirslkumupplUs %N!* ingum. J&"+   57.gr. '#- StofnuntibsvtryggingamiWlaraeWavtryggingaumboWsmanna 1 utanEvr;pskaefnahagssvWisinshrlandi.  2G  FjrmlaeftirlitiWgeturheimilaWvtryggingamiWlaraeWavtryggingaumboWsmannimeW  staWfesturkiutanEvr;pskaefnahagssvWisinsaWopnatibhrlandi.Umleyfisveitingu a ogstarfsemislkraaWilagildakvWi71.!76.gr.lagaumvtryggingastarfsemi. ],   58.gr.  ReglugerWarheimild.   I  ViWskiptarWherragetursettreglugerWumheimildirerlendravtryggingamiWlaraeWav  X tryggingaumboWsmannatilstarfsemihrlandioginnlendravtryggingamiWlaraeWav T #  tryggingaumboWsmannaerlendis.0reglugerWinniskalm.a.kveWiWumeftirlitmeWognnari    krfurtiltibaogumboWsskrifstofaerlendraaWilaogumheimildirinnlendraaWilatilaW    stundastarfsemierlendis.     XIII.KAFLI K   EftirlitogviWurlg.    59.gr.   Eftirlit. {  L  FjrmlaeftirlitiWhefureftirlitmeWstarfsemisamkvmtlgumYessum,nemaannaWleiWi wF aflgumeWaalYj;Wasamningumsem0slanderaWiliaW.UmeftirlitiWfersamkvmtkvWum B lagaYessara,lagaumvtryggingastarfsemioglagaumopinberteftirlitmeWfjrmlastarf   semi.    TeljiFjrmlaeftirlitiWaWstarfsemisamkvmtlgumYessumsstunduWntilskilinna r leyfageturYaWkrafistgagnaogupplUsingahjviWkomandiaWilumeWahjeftirlitsskyldum n= aWilumsemnauWsynlegerutilaWgangarskuggaumhvortsvos.GeturYaWkrafistYessaW 9 slkristarfsemishttYegarstaW.JafnframterYvheimiltaWbirtaopinberleganfnaWila  semtaldirerubj;WaYj;nustuntilskilinnaleyfa.    HeimilteraWbeitakvWumlagaumopinberteftirlitmeWfjrmlastarfsemiumdagsektir i ogleitoghaldggnumviWupplUsingaflunogeftirlitsamkvmtYessarigrein. e4   & , 60.gr.  Eftirlitsgjald.  Q  VtryggingamiWlararsemfengiWhafastarfsleyfihrlanditgefiWafFjrmlaeftirlitinu `  skulurlegagreiWaeftirlitsgjaldvegnastarfsemi',QԀsinnarsamrmiviWkvWilagaYarum. \+! JafnframtskuluvtryggingamiWlararogvtryggingaumboWsmennsemheimildhafatilaW '" starfahrlandiskv.57.gr.greiWaeftirlitsgjaldrlega. #   & , 61.gr. !W% AWstoWviWyfirvldannarraEES-rkja. S""& T  LgbruyfirvaldirkiinnanEvr;pskaefnahagssvWisinserheimiltaWframkvma #' athuguntibumYarlendrafyrirtkjahrlandiaWundangenginnitilkynninguYessefnis',!T #( tilFjrmlaeftirlitsins. $ )   62.gr. J&"+ ViWurlg. '", U  XaWvarWarsektumeWafangelsialltaWeinuri,liggiYyngrirefsingekkiviWbrotisam '#- kvmtWrumlgum,aWbrj;tagegnkvWumlagaYessara. 1   XIV.KAFLI   InnleiWing,gildistakaogbreytingWrumlgum.  a 63.gr. ], InnleiWing. ( W  LgYessierusettmeWhliWsj;nafkvrWunsameiginleguEES-nefndarinnar,nr.115/2003  fr26.september2003,umbreytinguIX.viWaukaviWEES-samninginn,ogtilYessaWtaka   uppinnlendanrttkvWitilskipunarEvr;puYingsinsogrWsinsnr.2002/92/EBfr9.  X desember2002,ummiWlunvtrygginga. T #    64.gr.    Gildistaka.   Y  LgYessiWlastYegargildi. O    65.gr.   Breytinglgumumvtryggingastarfsemi,nr.60/1994,meWsWaribreytingum.   DZ  EftirtaldarbreytingarverWalgumumvtryggingastarfsemi,nr.60/1994,viWgildistku {  lagaYessara: wF ! ! 2(Ť886"i(m"  i(m1\2Ť  1  .3  Ԉ0    2.mlsl.1.gr.fellurbrott.i(m1\^\݌B Ќ  "i(m"  i(m+]2Ť  2  .3  Ԉ0    Skilgreiningarhugtkunum?vtryggingamiWlun ,?vtryggingamiWlari og?vtrygg   ingaumboWsmaWur 7.gr.fallabrott.i(m+]X]݌ Ќ  "i(m"  i(m^2Ť  3  .3  Ԉ0    Skilgreininghugtakinu?vtryggingaslumaWur 7.gr.orWastsvo:starfsmaWursem r starfarvegumogbyrgWvtryggingamiWlara,vtryggingaumboWsmannseWavtrygg n= ingaflags.i(m^^݌9 Ќ  "i(m"  i(m`2Ť  4  .3  Ԉ0    3.mgr.13.gr.fellurbrott.i(m``݌ Ќ  "i(m"  i(ma2Ť  5  .3  Ԉ0    IX.kaflifellurbrott.i(maa݌ Ќ    &  66.gr. e4 BreytinglgumumgreiWslukostnaWarviWopinberteftirlitmeWfjrmlastarfsemi, 0 nr.99/1999,meWsWaribreytingum.  ub  3._tlul_.1.mgr.5.gr.lagannaverWursvohlj;Wandi:VtryggingamiWlararskulugreiWa  0,09%afYviWgjaldamagnisemmiWlaWernstliWnuri,Y;eigilgrifjrhWen200.000 `  kr.'ebԀ \+! &  @c c  kvWitilbrWabirgWa.  #   VtryggingamiWlararsemfengiWhafastarfsleyfiskv.81.gr.lagaumvtryggingastarfsemi  $ viWgildistkuYessaralagaskuluYegarstaWgrpatilviWeigandirWstafanatilaWuppfylla !W% skilyrWilagaYessaraogskuluuppfyllaYaueigisWaren1.jl2005. S""& 'd  VtryggingamiWlararsemuppfyllthafakrfuumYekkinguogstarfsreynslugrundvelli #' 1.!4.tlul.1.mgr.9.gr.reglugerWarnr.853/1999,ummiWlunvtrygginga,eruundanYegnir #( tkupr;fsskv.3.mgr.15.gr.og1.mgr.17.gr.lagaYessara. $ )   HafivtryggingamiWlarilagtinnstarfsleyfisittfyrirgildistkulagaYessaragildakvWi %N!* YeirraumhvernighanngeturWlaststarfsleyfinU. J&"+   VtryggingaumboWsmennsemerustarfandiviWgildistkulagaYessaraskuluYegarstaW '", grpatilviWeigandirWstafanatilaWuppfyllaskilyrWilagannaogskuluuppfyllaYaueigisWar '#- en1.jl2005. 1   VtryggingaslumennskuluuppfyllahfiskrfurlagaYessarainnansexmnaWafr  gildistkuYeirra.  @ #dggAthugasemdirviWlagafrumvarpYetta.#ggdjԈ ],  I.Inngangur.  (   FrumvarpYettaersamiWvegumnefndarsemviWskiptarWherraskipaWi15.ma2002.0  nefndinavoruskipuWKjartanGunnarsson,f.h.viWskiptarWuneytis,formaWur,RnarGuW   mundsson,f.h.Fjrmlaeftirlitsins,0risspIngjaldsd;ttir,f.h.Neytendasamtakanna,og  X BaldvinHafsteinsson,f.h.h;psvtryggingamiWlarainnanFlagsslenskrast;rkaupmanna. T #  StarfsmaWurnefndarinnarogvaramaWurformannsvarX;raM.Hjaltested,viWskiptarWu    neytinu.      X;raM.Hjaltestedt;kviWsemformaWurnefndarinnarokt;ber2003.BaldvinHafsteins   sonhttinefndinniogt;kAndrsMagnssonviWafhonummars2004,f.h.h;psvtrygg O  ingamiWlarainnanFlagsslenskrast;rkaupmanna.FjlgaWvarnefndinnisumariW2004,en K  Yt;kustinefndinniJ;hannT;masSigurWsson,f.h.SamtakabankaogverWbrfafyrir   tkja,ogSigmarrmannsson,f.h.Sambandsslenskratryggingarflaga.     MeWfrumvarpinuerlgWtilinnleiWingtilskipunEvr;puYingsinsogrWsinsnr. {  2002/92/EBfr9.desember2002,ummiWlunvtrygginga.Tilskipuninvartekinuppsamn wF inginnumEvr;pskaefnahagssvWiWmeWkvrWunsameiginleguEES-nefndarinnarnr. B 115/2003fr26.september2003semstaWfestvarafAlYingimeWYingslyktunYskj.1133   (481.ml)130.lggjafarYingi.XerufrumvarpinuUmiskvWierltaaWstarfsemiYeirra  erstarfaviWmiWlunvtryggingaogrttY;ttiaWsetjaheildarlggjfummiWlunvtrygginga. r   ViWfrumvarpsvinnunahefurnefndinhorfttilsambrilegrarfrumvarpsvinnuDanmrku n= ogNoregi.XhefurjafnframtveriWhfWhliWsj;nafupplUsingumfrbreskafjrmlaeftir 9 litinu(FSA)aukYesssemtilteknirnefndarmennhafas;ttsrfrWingafundivegumEvr;pu  sambandsinsvarWanditilskipunina.    UmturerufrYvfyrstureglurumstarfsemivtryggingamiWlaravoruleiddarlghr i landi.YessumrumhefurgreininfestsigsessioghefurYaWm.a.kallaWauknareglu e4 setningu.HelgastYaWsumpartafstarfsemigreinarinnarsemslkrar,breyttumviWhorfumog 0 efnitilskipana.XarsemtilskipunummiWlunvtryggingahefurfrmeWsrtalsverWarbreyt  ingarlagaumhverfistarfsgreinarinnarvartaliWrttogeWlilegtYessumtmapunktiaW  leggjatilaWsrstklgyrWusettummiWlunvtrygginga. `   &  II.Umefnitilskipunarinnar.  '"   TilskipunEvr;puYingsinsogrWsinsnr.2002/92/EB,ummiWlunvtrygginga,mlirfyrir # umrttvtrygginga-ogendurtryggingamiWlaratilaWstarfaEvr;pskaefnahagssvWinu  $ grundvelliskrningarheimarki.EitthelstamarkmiWtilskipunarinnareraWafnemahindranir !W% ''wYvaWvtryggingamiWlarargetistundaWstarfsemisna;hindraWEvr;pskaefnahagssvW S""& inu.EnnfremurertilskipuninnistefntaWaukinnineytendavernd,m.a.meWYvaWsetja #' strangarikrfurumstarfsemivtryggingamiWlaraogmlafyrirumauknaupplUsingagjftil #( neytenda.TilskipuninskilgreinirmiWlunvtryggingasemY?starfsemiaWkynna,bj;Wafram $ ) eWainnaafhendiannaWundirbningsstarffyrirgerWvtryggingarsamninga,gerWslkrasamn %N!* ingaeWaaWstoWviWstj;rnunogframkvmdslkrasamninga,einnigYegarkrafaumvtrygg J&"+ ingarbturersettfram .EkkierlitiWstarfsemivtryggingaflagaogtilfallandiupplUsinga '", gjfinnanrammaannarraratvinnustarfsemisemmiWlunvtrygginga. '#-   Samkvmttilskipuninniskuluvtrygginga-ogendurtryggingamiWlararveraskrWirhj 1 lgbruyfirvaldiheimarkisnu.TilaWhlj;taslkaskrninguverWavtrygginga-ogendur  tryggingamiWlararaWbayfirfullngjandiYekkinguoghfnisamkvmtviWmiWumsem  heimarkimlirfyrirum.GerWerkrafaum;flekkaWmannorWogaWviWkomandihafiforrWi a yfirbisnu.XermltfyrirumaWvtryggingamiWlararskulihafastarfsbyrgWartryggingu ], tilaWmtab;takrfumsemleittgetiafvanrkslustarfiogmlirtilskipuninfyrirumhkk ( unlgmarksfjrhWumslkravtryggingafrYvsemveriWhefur.Vtrygginga-og  endurtryggingamiWlara,semskrWurerhjlgbruyfirvaldiheimarkisnu,ersamkvmt   tilskipuninniheimiltaWstarfahvarsemerEvr;pskaefnahagssvWinu.Hafivtrygginga  X miWlarihyggjuaWstundastarfsemisnautanheimarkissnsskalhanntilkynnaYaWlgbru T #  yfirvaldiYarsemhannerskrWurogberYvaWframsendaslkartilkynningartilYeirra    aWildarrkjasemYess;ska.      TilskipuninhefuraWgeymatarlegkvWiumupplUsingaskylduvtryggingamiWlaragagn   vartviWskiptamnnumsnum.XessikvWimiWaaWYvaWaukaverndneytenda.Ennfremur O  mlirtilskipuninfyrirumaWaWildarrkiskulikomamlsmeWferWsemgeriviWskipta K  mnnumogsamtkumneytendakleiftaWleggjaframkvartanirgegnvtrygginga-og   endurtryggingamiWlurum.     TilskipuninfelursrlgmarkssamrminguoghafaaWildarrkiYvnokkurtsvigrmvarW {  andiinnleiWinguoggetasettstrangarireglurentilskipuninmlirfyrirum.LokiWskalviWaW wF innleiWatilskipuninafyrir15.janar2005ogfellurYrgilditilskipunnr.77/92/EBEfr B 13.desember1976umrWstafanirtilaWgreiWafyrirYvaWumboWsmennvtryggingumog   vtryggingamiWlarar(rISIC-flokki630)getinUttsrstaWfesturttogrtttilaWstunda  Yj;nustustarfsemiYvsviWi,svoogsrstakarbrWabirgWarWstafanirvarWandiYstarfsemi. r  III.Gildandirttur.  9   ReglurumstrfvtryggingamiWlaraerudagIX.kaflalagaumvtryggingastarfsemi,  nr.60/1994,meWsWaribreytingum,ogreglugerWummiWlunvtrygginga,nr.853/1999.X  erugildireglugerWumvtryggingaskylduvegnamiWlunarvtrygginga,nr.352/1997,og i reglugerWumpr;fnefndvtryggingamiWlara,&  nmskeiWogpr;ftilYessaWmegastundamiWl e4 unvtrygginga,nr.350/1997,meWsWaribreytingum.'e 0   MeWlgumumvtryggingastarfsemi,nr.60/1994,vorufyrstaskiptileiddlgkvWi  erltaaWmiWlunvtrygginga.YeimtmavoruregluraWildarrkjahinsEvr;pskaefnahags  svWismjgmismunandiaWefni,sumsstaWarvorugerWarvgarkrfureWastarfsemivar `  jafnvelekkihWstarfsleyfienannarstaWarhfWuveriWsettsrstklgumefniW.Yeimtma \+! erlgumvtryggingastarfsemivorusamYykkthafWimiWlunvtryggingaveriWrekinmjg '" litlummlisemsjlfstWatvinnustarfsemihrlandi.kvWumummiWlunvtryggingavar # breytttluvertYegarlgumumvtryggingastarfsemivarbreyttmeWlgumnr.63/1997.  $   MeWngildandilggjferm.a.innleiddtilskipunnr.77/92/EBEsemvarraunfyrsta !W% skrefYttaWvtryggingamiWlarargtunUttsrstaWfesturttogrtttilaWstundaYj;nustu S""& nstarfsstWvar.XergildandilgumeinnigtekiWtillittilleiWbeinanditilmlaEvr;pu #' sambandsins,nr.92/48/EB,YarsemleitasterviWaWstuWlaaWsamhfingukvWaaWildar #( rkjannaumfagkrfurogskrninguvtryggingamiWlara. $ )   0rsskUrsluFjrmlaeftirlitsins2004kemurframaW30.jn2004voru17vtrygginga %N!* miWlararskrWirvtryggingamiWlaraskr.HefurfjldiYeirraveriW16!19sWustufjgurrin. J&"+   IV.MeginefnioghelstunUmlifrumvarpinu.  '#- 1.Inngangur. 1   FrumvarpiWhefuraWgeymaalmennarreglurummiWlunvtrygginga.Reglurnarltaannars  vegaraWYvhverjirhafaheimildtilaWmiWlavtryggingumoghvaWahfiskrfurYeirYurfa  aWuppfylla.HinsvegarerfjallaWumstarfsemi,starfshttiogupplUsingagjftilneytenda. a 0strfumsnumberYeimermiWlavtryggingumeinnigaWtakamiWafkveWnumkvWum ], lagaumvtryggingastarfsemiogreglumerltaaWrttarsambandimillivtryggingaflagsins ( ogvtryggingartakaeWahinsvtryggWa,enstrfumsnumberaYeirermiWlavtryggingum  kveWnarskyldursemellahvlduvtryggingaflgum.ReglurYessareraWfinnalgum   umvtryggingarsamninga,nr.20/1954,enYaulgfallargildi1.janar2006ogtakaY  X gildinUlgumvtryggingarsamninga,nr.30/2004. T #  2.MeginYttirfrumvarpsins.      FrumvarpiWskiptistmeginatriWumtvohluta,annarsvegarreglurerltaaWstarfsemiv   tryggingamiWlaraoghinsvegarreglurerltaaWstarfsemivtryggingaumboWsmanna.Regl O  urnareruaWmikluleytisambrilegarogspeglakaflarnirhvorannan.RttY;ttitilhgWar K  aukaaWgreinamilliYessartveggjaflokka,YannigverWilgin,verWifrumvarpiWaWlgum,   aWgengilegriogYgilegrinotkun.X;takaI.kafliumgildissviWogorWskUringarog   XII.!XIV.kaflibWitilvtryggingamiWlaraogvtryggingaumboWsmanna. {    FrumvarpiWtekurennfremurtilstarfsemiendurtryggingamiWlara.EndurtryggingamiWlarar wF eruY;undanYegnirkvWumfrumvarpsinsumupplUsingaskyldu. B 3.NUmlifrumvarpinu.    EinafmeginbreytingumsemfrumvarpiWleggurtillUturaWskilgreiningumiWlunvtrygg r inga.0aWildarrkjumEvr;pskaefnahagssvWisinshafaframaWYessugilt;lkarreglurum n= starfsemiYeirrasemhafaheimildtilaWmiWlavtryggingumhverjurki.TilaWtryggja 9 jafnrWimilliYessaraaWilaogverndviWskiptamannatekurfrumvarpiWtilYeirraallra,svo  semvtryggingamiWlara,umboWsmannaogbanka.    SkilgreininginsemlgWertilgrundvallarogbyggisttilskipuninniermunvWtkarien i ngildandilgum.StarfsemifleiriaWilageturYvfalliWundirlgogreglurummiWlunv e4 tryggingaenn.StarfsemivtryggingaumboWsmannaerdmiumYaW,enlgumvtrygg 0 ingastarfsemiskilgreinavtryggingaumboWsmannsemYannerstarfarnafniogfyrirhnd  kveWinnavtryggingaflaga,einseWafleiri,viWaWkynna,geratillguumogundirbav  tryggingarsamningaeWaaWstoWaviWframkvmdslkrasamninga,svosemYegartj;nhefur `  orWiW.HingaWtilhefurstarfsemiYessaraaWilaekkiveriWskrningar-eWaleyfisskyldheldur \+! hafavtryggingaumboWsmennstarfaWbyrgWvtryggingaflaga.0frumvarpinuerlagttil '" aWstarfsemiYessaraaWilaverWihWskrninguvtryggingaflagsogergerWkrafaumaWWur # enskrningeigisrstaWskulivtryggingaflaggangarskuggaumaWvtryggingaumboWs  $ maWur,ogeftiratvikumstarfsmennhans,hafingilegaYekkingutilaWberatilaWgetamiWlaW !W% vtryggingum.XergertaWskilyrWiaWslkiraWilarsulgrWaoghafiforrWibisnu. S""&   EftirsemWurergertrWfyriraWWurenvtryggingamiWlarigetihafiWstarfsemiverWi #' viWkomandiaWskjaumstarfsleyfi.GerterrWfyriraWFjrmlaeftirlitverWistarfsleyfis #( veitandienekkiviWskiptarWherraeinsogsamkvmtngildandilgum.YrWislkskipan $ ) samrmiviWstarfsleyfisveitingarsviWifjrmlamarkaWar,sbr.lgumfjrmlafyrirtki,nr. %N!* 161/2002. J&"+   0frumvarpinuerlagtertilaWtekinverWiuppreglanumeittstarfsleyfisemYekkter '", annarrilggjferlUturaWstarfsemivtryggingaflagaogannarrafjrmlafyrirtkja.Reglan '#- felurYaWsraWgrundvellistarfsleyfissemveitterheimarkivtryggingamiWlaraeWa 1 skrningarvtryggingaumboWsmannsgetiviWkomandistarfaWWruaWildarrkiEvr;pska  efnahagssvWisinsmeWstofnuntibseWaveittYarYj;nustunstofnunartibs.    0frumvarpinuerlagttilaWgerWarverWiauknarkrfurtilYekkingaroghfisstofnenda, a stj;rnenda,framkvmdastj;raogstarfsmannasemmiWlavtryggingum.0ngildandilgum ], ogreglugerWumummiWlunvtryggingaerm.a.gertrWfyriraWumskjandiumleyfiv ( tryggingamiWlarahafistaWistpr;fmiWlunvtrygginga,YaWsamaviWumframkvmda  stj;ralgaWila.Krafaumpr;fsamsvrunlgumumfjrmlafyrirtki,nr.161/2002,Yar   semgerWerkrafaumaWallirstarfsmennsemhafaumsj;nmeWdaglegristarfsemitengslum  X viWviWskiptimeWfjrmlagerningahafilokiWpr;fiverWbrfaviWskiptum.MiWlunvtrygg T #  ingaervandasmstarfsgreinsemYarfnastumtalsverWarYekkingar.HefurYvveriWleitastviW    aWtryggjahfniogkomavegfyrirmistkmeWYvaWmlafyrirumtilteknaalmenna    menntunoghafapr;fveriWnotuWsemmlikvarWiYekkinguoghfi.     FrumvarpiWtekurtilendurtryggingamiWlara.FramtilYessahafainnlendirvtrygginga O  miWlarareinungisstarfaWviWmiWlunfrumtrygginga.ErlendirvtryggingamiWlararhafahins K  vegarstundaWmiWlunbWifrum-ogendurtryggingahrlandi.XmgerarWfyriraWinn   lendirvtryggingamiWlararmunieinhverjumtilvikumtakauppmiWlunendurtryggingahr   landi.Samkvmt2.gr.lagaumvtryggingastarfsemigildakvWiVII.kaflalaganna,um {  starfsemierlendravtryggingaflagahrlandi,ekkiumendurtryggingarsemYauvtrygg wF ingaflg,semfengiWhafastarfsleyfihrlandiskv.26.gr.laganna,kaupaerlendis.Vnta B mbreytingahvaWYaWvarWarnstumissirumYarsemvegumEvr;pusambandsinsern   unniWaWundirbningitilskipunarumstarfsemiendurtryggingaflaga.  4.Aukinneytendavernd. n=   0frumvarpinuerutarlegkvWiumstarfshttiYeirraermiWlavtryggingumaukkvWa 9 lagaumvtryggingastarfsemiogvtryggingarsamninga.XerunokkuWtarlegkvWium  upplUsingagjfviWmiWlunvtrygginga.ErlagtmikiWuppraWvntanlegurvtryggingartaki  hafingilegavitneskjuumYvtryggingusemhannhyggsttaka,m.a.ergertrWfyriraW i vtryggingamiWlariogvtryggingaumboWsmaWurgreiniaWilafrYeimforsendumsemliggja e4 aWbakirWgjfumvalvtryggingu.AukYesserherslalgWaWupplUsingarumhelstu 0 atriWivtryggingarogatriWiervarWavtryggingamiWlaraeWavtryggingaumboWsmennsjlfa  &  suupplUstWurengengiWerfrvtryggingarsamningi,hannendurnUjaWureWahonum  breytt.'Ԁ `   V.Xj;Whagslegtmateftirliti.  '"   0frumvarpinuerkveWiWumaWFjrmlaeftirlitiWhafieftirlitmeWstarfsemiYeirrasem # miWlavtryggingum.XrfineftirlitiersamrmiviWalYj;Wlegarskuldbindingarslenska  $ rkisins,sbr.3.gr.lagaumopinberareftirlitsreglur,nr.27/1999.Eftirlitsheimildinbyggist !W% tilskipunnr.2002/92/EB,ummiWlunvtrygginga.VerWurngerWstuttgreinfyrirYrffyrir S""& eftirlit,matkostnaWiviWeftirlitiWogskipulageftirlitsins. #' a.GreiningYrffyrireftirlit. $ )   FrumvarpYettabyggistaWlangmestuleytitilskipunsemtekinhefurveriWuppEES %N!* samninginnummiWlunvtrygginga.0tilskipuninnierkveWiWumgrunnYttieftirliti J&"+ YessusviWivtryggingastarfsemi. '",   NUjungfrumvarpinuerfjrhagslegteftirlitmeWYeimerstundavtryggingamiWlun.Slkt '#- fjrhagslegteftirlithefurraunekkitWkastYrttfyriraWvtryggingamiWlararltinreglum 1 umskilrsreikningum.stWurYessaWfrumvarpinuerlagttilaWhafiWverWieftirlitmeW  fjrhagerufyrstogfremstaWmiWlunvtryggingaereinaeftirlitsskyldastarfseminfjrmla  markaWisemekkilUturfjrhagslegueftirliti.HefurveriWtaliWaWslktgetigefiWrngskilaboW a tilneytendaYarsemumstarfsleyfisskyldastarfsemieraWrWa.EkkisWurerstWansaW ], vtryggingamiWlararhafaoftmeWhndumfjrmuniannarraogertaliWeWlilegtmeWsmu ( rkumoggildaumaWrafjrmlastarfsemiaWslkstarfsemiltiopinberueftirliti.HefurYaW  sUntsigviWgjaldYrotvtryggingamiWlarasWusturaWskilegthefWiveriWefFjrmla   eftirlitiWhefWihaftupplUsingarumstWumlafyrrogYeftilvillgetaWgripiWfyrrinnen  X gertvar. T #  b.MatkostnaWiviWeftirlit.      EftirlitsskyldiraWilarkostastarfsemiFjrmlaeftirlitsinssamkvmtlgumnr.87/1998,   umopinberteftirlitmeWfjrmlastarfsemi.Samkvmt3.tlul.5.gr.laganr.99/1999,um O  greiWslukostnaWarviWopinberteftirlitmeWfjrmlastarfsemi,meWsWaribreytingum,skulu K  flgogeinstaklingarsemstundavtryggingamiWlungreiWa0,09%afYviWgjaldamagnisem   miWlaWernstliWnuri,Y;eigilgrifjrhWen200.000kr.ViWsWustulagabreytinguvar   lgmarksfjrhWinhkkuWum50.000kr.YarsemnokkurtmisrmivartaliWmillihlut {  deildarvtryggingamiWlaralgWueftirlitsgjaldiogYesstmasemaWjafnaWihefurveriW wF variWeftirlitmeWYeim. B   AlmenntmarkmiWmeWstarfsemifjrmlaeftirlitseraWstuWlaaWheilbrigWumogeWlilegum   viWskiptahttum,aukaryggieignaogstuWlaaWbttriverndneytenda.SlkteftirlitertaliW  hafafrmeWsrmikinnvinningfyrirsamflagiW.BeinnkostnaWurviWeftirlitiWliggurfyrir r enerfitteraWmetahvortopinberteftirlitmeWfjrmlastarfsemihefurfrmeWsr;beinan n= kostnaW.:beinnkostnaWureinstaklingageturt.d.veriWf;lginnhrraverWiYj;nustusem 9 tilkemurafeftirlitsgjaldisemeftirlitsskyldiraWilarverWaaWgreiWa.AlmenntmgerarW  fyriraWslkur;beinnkostnaWurvegiekkiYungtYegarhorftertilvinningssemfelst  aWhaldiogeftirlitimeWfjrmlafyrirtkjumsemmiWaraWYvaWdragarogkomavegfyrir i fll.XannigverWuraWtlaaWeftirlitiWleiWiekkitilhrraverWsYj;nustueftirlitsskyldra e4 aWilaenveramundiefekkerteftirlitvrimeWstarfsemiYeirra. 0   &  0frumvarpinuerekkilagtnkvmtmathrifYessnverandirekstrarkostnaWeftirlits  ins.tlam'ԀaWeinhverkostnaWaraukifylgiYvaWkomakvWumlagannaframkvmdaf  hlfuFjrmlaeftirlitsins,enverkefniYausemfrumvarpiWhefurfrmeWsrerubWi `  tmabundinogvaranleg.HinsvegarererfittaWmetalangtmahriffrumvarpsinsYarsem \+! kostnaWurafframkvmdlagaafYessutagirWsteinkumafYr;unmarkaWarins.XvertaliW '" eWlilegtaWnnarihriffrumvarpsinsverWifremurmetintengslumviWfrumvrptillagaum # breytingulgumumgreiWslukostnaWarviWopinberteftirlitmeWfjrmlastarfsemisemlgW  $ eruframhverjuhaustYingi. !W% c.Skipulageftirlits. #'   OpinberteftirlitmeWfjrmlastarfsemi,YarmeWalmiWlunvtrygginga,erbeinteftirlit #( framkvmtafeftirlitsstj;rnvaldi.EftirlitFjrmlaeftirlitsinsfelstaWmikluleytiflun $ ) upplUsingaumstarfsemieftirlitsskyldraaWila,vettvangsranns;knum,srstkumathugunum %N!* ogWrumaWferWumsemgeraYvkleiftaWkannahvortstarfsemieftirlitsskyldraaWilas J&"+ samrmiviWlg,reglugerWirogreglursemumstarfseminagildaogaWstarfseminsaWWru '", leytisamrmiviWheilbrigWaogeWlilegaviWskiptahtti.MeginbyrgWineftirlitinuerhins '#- vegarhendieftirlitsskyldraaWilasjlfra.XaWerbyrgWstj;rnendaaWskipuleggjastarfsemi 1 snaYannigaWfyrirhendisvirkhttustUring,innraeftirlitogeftirfylgniviWlgogreglur.    ReglurumopinberteftirlitmeWfjrmlastarfsemierusettarmeWlgumogreglugerWum.  0vissumtilfellumhefurFjrmlaeftirlitiWheimildtilsetningarreglnaumeinstakaYtti a starfsemieftirlitsskyldraaWila.FramkvmdeftirlitsinserYannighndumFjrmlaeftirlitsins ], ogeftirlitsskyldraaWila.FjrmlaeftirlitiWhefurvWtkarheimildirtilaWkrefjastrb;takomi ( lj;sviWathuganirYessaWeftirlitsskyldiraWilarfylgiekkilgumeWaWrumreglumsemum  starfseminagilda.KveWiWerumslkarheimildirlgumumopinberteftirlitmeW   fjrmlastarfsemi.kvrWunumFjrmlaeftirlitsinsmskj;tatilsrstakrarkrunefndarsem  X tilnefnderafHstartti. T #    SkipulageftirlitsinsbyggistaWlangmestuleytierlendumfyrirmyndumogertlaWaW    miWaaWYvaWopinberteftirlitmeWfjrmlastarfsemihrlandiuppfylliYrkrfursem    gerWarerugildanditilskipunumEvr;pskaefnahagssv&  WinuogalYj;Wlegumgrunnreglum   umrangursrkt' sfjrmlaeftirlit. O  @ AthugasemdirviWeinstakargreinarfrumvarpsins.   @FFUmI.kafla.     0I.kaflafrumvarpsinseraWfinnafimmgreinarerltaaWgildissviWi,takmrkungildis {  sviWiogorWskUringum.0kaflanumerum.a.innleiddar1.og2.gr.og2.mgr.12.gr.tilskip wF unarinnar. B @ Um1.gr.    01.gr.frumvarpsinsergildissviWYessafmarkaW.ErnauWsynlegtaWtlkakvWiWmeW r hliWsj;naf4.og5.gr.frumvarpsinsYarsemeraWfinnatakmarkanirgildissviWilaganna. n= StyWstgreininviW1.mlsl.3.mgr.2.gr.tilskipunarinnar.0greininnierleitastviWaWskil 9 greina&  YstarfsemisemfellurundirhugtakiWmiWlunvtrygginga.Xer2.mgr.aWfinna  upptalninguYeimaWilumsemhafaheimildtilaWmiWlavtryggingumhrlandi.'    01.mgr.greinarinnarkemurframaWfrumvarpiWtakitilmiWlunarvtryggingahrlandi. i XerskilgreintnnarhvaWfelistmiWlunvtrygginga,Y.e.sstarfsemiaWkynna,bj;Wafram e4 eWaundirbameWWrumhttisamningumvtryggingu,aWkomaslkumsamningumeWa 0 aWstoWviWframkvmdslkrasamninga.SstarfsemiaWsetjaframkrfuumvtryggingar  bturtelsteinnigtilmiWlunarvtrygginga.    0reglugerWnr.853/1999,ummiWlunvtrygginga,kemurframaWmiWlunvtrygginga `  felistm.a.aWundirbasamningumvtryggingu,gerWslkrasamningaogaWstoWviWfram \+! kvmdslkumsamningum,einnigYegarkrafaumvtryggingarbturersettfram.Xkemur '" framaWreglugerWintakiekkitilstarfsemisemrekinsumboWieinstakravtryggingaflaga, # Yarsemeinungisferframtj;nsuppgjreWarWgjfvtryggingasviWi.  $   0almennumathugasemdumervikiWaWYvaWeittafmarkmiWumtilskipunarinnareraW !W% jafnastWuYeirraaWilasemhingaWtilhafastundaWsambrilegastarfsemisviWimiWlunar S""& vtrygginga.Hrlendishefurstarfsemibankaogsparisj;WaerlUturaWmillignguumslu #' vtryggingumaukistgfurlegasWustumissirin.AukYesshafasvokallaWirtryggingarW #( gjafarveriWstarfandienekkifalliWundirreglurummiWlunvtrygginga.EWlilegteraWsmu $ ) eWasambrilegarreglurgildiumstarfsemiYeirraaWilaerhafasambrileganstarfaogYaW %N!* srstaklegaviWYegarlggjafinnhefurmltfyrirumaWstarfsemiskuliveraleyfisskyldog J&"+ ltaopinberueftirliti.MeWrUmriskilgreiningutilskipunarinnarmiWlunvtryggingafjlgar '", tilmunaYeimaWilumsemYarfnastskrningareWaleyfis.ErYaWsamrmiviWumrWusem '#- fariWhefurframhrlendissWustumissirinumnauWsynYessaWgerWarverWibreytingarhvaW 1 YettaatriWivarWarhrlendrilggjf.    01.mgr.erhugtakiWmiWlunvtrygginganotaW.0lgumogreglugerWumhafaUmistveriW  notuWhugtkinvtryggingamiWluneWamiWlunvtrygginga.0frumvarpinuergengiWtfr a aWmiWlunvtryggingasyfirhugtak,semtakiyfirstarfsemivtryggingamiWlara,vtrygg ], ingaumboWsmannaogannarrasemeftiratvikumstundaYstarfsemisemfellurundirskil ( greiningumiWlunvtrygginga1.mgr.    EkkiernauWsynlegtaWinntsafhendillsstarfsemisemtalineruppmlsgreininni   tilYessaWstarfsemiaWilaverWitalinnmiWlunvtrygginga,eingnguernauWsynlegtaWinnt  X safhendieittafYeimatriWumsemtalineruupp.TilaWstarfsemifalliundirskilgreiningu T #  miWlunvtryggingaYarfhnjafnframtaWfelasrframlagafhlfuviWkomandi,t.d.aW    leitaWseftirtilboWumvtryggingarogrWgjfveittaWYeimfengnum.ErnauWsynlegtaW    greinaskUrtmilliYeirrarhttsemisemfellurundir1.gr.frumvarpsinsoghttsemisem   fellurundirundanYgukvWi4.gr.StarfsemiaWila,semhefuratvinnuafYvaWmetav O  tryggingarYrfviWskiptamannaogrWleggjaYeimumvtryggingarsemboWieru,fellur K  undirskilgreiningu1.gr.miWlunvtrygginga.YaWviWhvortsemYaWerviWskiptamaWur   innsemt.d.leitareftirtilboWumvtryggingareWaaWilinnsjlfur.EfslkrWgjferhins   vegarveitttilfallandiinnanramma_annarrar_ԀatvinnustarfsemierhugsanlegtaWundanYgu {  kvWi2.tlul.4.gr.getittviW.Efhttsemifelurt.d.eingngusraWkomaupplUsingum wF millivtryggingartakaogvtryggingaflagsnYessaWveittsrWgjfumvtryggingar B samninginnfellurslkstarfsemiundirundanYgukvWi3.tlul.4.gr.     UppgetakomiWtilvikYarsemekkierfyllilegalj;sthvortstarfsemifellurundir1.gr.eWa  4.gr.DmiumslktilvikmnefnastarfsemifasteignasalaYegarkaupandimerkirviW r kaupsamningihvarhannhyggstvtryggjafasteignlgbundinnibrunatryggingu.XaWsamam n= segjaumbifreiWasalasemtengslumviWslukutkjaframsendabeiWnikaupandaum 9 lgbundnakutkjatryggingutilviWkomandivtryggingaflags.EfbifreiWasaliframsendir  eingnguhinalgkveWnuvtryggingarbeiWnitilvtryggingaflagsfellurslkstarfsemiundir  undanYgukvWi3.tlul.4.gr.NnarerfjallaWumYettaatriWiathugasemdumviW4.gr. i XerekkigertrWfyriraWstarfsemit.d.skattarWgjafaogendurskoWenda,semveitatilfall e4 andirWgjfumvtryggingar&  innanrammaannarraratvinnustarfsemi,falliundirskilgrein 0 ingu1.gr.miWlunvtrygginga.'0    02.mgr.erskilgreinthverjirhafiheimildtilmiWlunarvtryggingahrlandi.EruYaW  fyrstalagivtryggingamiWlararsemfengiWhafastarfsleyfiFjrmlaeftirlitsins,Wrulagiv `  tryggingaumboWsmennsemskrWirhafaveriWhjvtryggingaflagi.0YriWjalagivtrygg \+! ingamiWlarareWavtryggingaumboWsmennsemhafaaWalstWvarWruaWildarrkiEvr;pska '" efnahagssvWisinsoghafastarfsleyfiYvrkieWaveriWYarskrWir.Loksfj;rWalagiv # tryggingamiWlarareWavtryggingaumboWsmennmeWaWalstWvarutanEvr;pskaefnahags  $ svWisinssemfengiWhafaheimildtilaWrekahrtib. !W%   03.mgr.kvWisinskemurframaWlginskuligildaummiWlunendurtrygginga,semer S""& samrmiviWkvWitilskipunarinnar.0tilskipuninniergertrWfyriraWsmureglurskuli #' gildaummiWlunvtrygginga,hvortheldurumeraWrWafrumtryggingareWaendurtrygg #( ingar.X;ergertrWfyriraWkvWiumupplUsingaskyldueigiekkiviWummiWlunendur $ ) trygginga,endaeiganeytendurekkiYarhlutaWmli. %N!*   04.mgr.erlagttilaWkvWifrumvarpsinsumupplUsingskyldugildiekkiummiWlunst;r J&"+ httu.MeWsamahttiogvarWandimiWlunendurtrygginga,erekkisamaYrfneytenda '", verndviWmiWlunst;rhttuogviWmiWlunfrumtrygginga,YarsemmiWlunst;rhttuvarWar '#- Ygreinaflokkavtryggingaertengjastatvinnurekstriogstrrifyrirtkjumsrstaklega.0 1 frumvarpinuerlagttilaWhugtakiWst;rhttaverWiskilgreintmeWsamahttiogYaWer  skilgreint7.gr.lagaumvtryggingastarfsemi.  @ Um2.gr. ],   0greininniermltfyrirumaWekkiverWivikiWfrkvWumlagannaviWskiptamnnum ( tiltj;ns.kvWiWbyggisttilskipuninniummiWlunvtryggingaogsamrUmistjafnframt  kvWumUmissanUlegralagasemtryggjaneytendaverndmeWYessumhtti.greininfyrst   ogfremstviWumYaukvWilagannasemvarWasamskiptivtryggingamiWlaraeWavtrygg  X ingaumboWsmannsviWviWskiptamennsna.0frumvarpinuerulagWartilkveWnarlgmarks T #  reglurogergreininnitekinnafallurvafiumaW;heimiltsaWvkjafrYeimlgmarks    reglum,endayrWiYvegiWaWYeirriverndsemfrumvarpiWmlirfyrirumviWskiptamnnum    vtryggingamiWlaraogvtryggingaumboWsmannatilhanda.     XaWleiWirhinsvegarafkvWinuaWaWilumerheimiltaWsemjaumrttarstWusemer O  viWskiptamannihagstWarienveramundisamkvmtlgunum. K  @ Um3.gr.     03.gr.frumvarpsinseraWfinnaorWskUringarUmsumgrundvallarhugtkumfrumvarps {  ins.AukYesseraWfinnaskilgreininguhugtkumsemnauWsynlegtvartaliWaWhafa wF srstkumlgumummiWlunvtrygginga,semeruskilgreindmeWsamahttifrumvarpinu B oglgumumvtryggingastarfsemi.MeWkvWinueruinnleiddarUmsarskilgreiningar2.   gr.tilskipunarinnar.    VerWurhrvikiWaWhelstuhugtkumsemskilgreinderukvWinuogfelasrnUmli. r   01.tlul.eraWfinnaskilgreininguhugtakinuvtryggingamiWlun.SamkvmtkvWinu n= erumvtryggingamiWlunaWrWaYegarvtryggingamiWlaristundarstarfsemieiginbyrgW, 9 semfelstaWkynna,bj;WaframeWaundirbameWWrumhttisamningaumvtryggingu,  aWkomaslkumsamningumeWaaWstoWaviWframkvmdYeirra,grundvellihlutlausarar  greiningarskv.a-liW1.tlul.eWagrundvellitakmarkaWsfjlda,Y.e.vtryggingaeinseWa i fleirivtryggingaflaga,skv.b-liW1.tlul. e4   VtryggingamiWluneinsoghnerskilgreindngildandilgumogreglugerWumlUturaW 0 eftirfarandistarfsemi:  ! ! 4(դ882"i(m"  i(m2դ  1  .3  Ԉ0    AWundirbasamningaumvtryggingu.i(m݌ Ќ  "i(m"  i(m2դ  2  .3  Ԉ0    GerWslkrasamninga.i(m݌`  Ќ  "i(m"  i(m2դ  3  .3  Ԉ0    AWstoWviWframkvmdslkumsamningum,einnigYegarkrafaumvtryggingarbtur \+! ersettfram.i(m݌'" Ќ    XannighefurstarfsemiYarsemeingnguferframrWgjfnYessaWjafnframtsveitt # aWstoWviWaWkomavtryggingarsamningiekkiveriWtalinleyfisskyldoghefurekkifalliW  $ undirlgeWareglugerWummiWlunvtrygginga.FrumvarpiWleggurtilbreytingarhvaWYaW !W% varWar. S""&   0e-liW1.mgr.12.gr.tilskipunarinnar,punktumi)ogiii),og2.mgr.12.gr.eraWfinna #' kvWiumupplUsingaskyldu.Afpunktii)e-liWar1.mgr.og2.mgr.leiWiraWtilkynniv #( tryggingamiWlariviWskiptamannisnumaWrWgjfhansbyggisthlutlausrigreiningu,ber $ ) honumskyldatilaWveitarWgjfsnagrundvelligreiningarngilegamrgumvtrygg %N!* ingarsamningum,semboWierumarkaWnum,tilaWhanngetikomiWmeWtillgu,samrmi J&"+ viWfaglegarviWmiWanir,umhvaWavtryggingarsamningursamrUmistYrfumviWskipta '", mannsins.XaWleiWirennfremurafpunktiiii)e-liWar1.mgr.12.gr.tilskipunarinnaraWv '#- tryggingamiWlariskuliupplUsaviWskiptamannsinnumaWrWgjfhansbyggistekkihlut 1 lausrigreininguvtryggingarsamningamarkaWi,YrttfyriraWhannsekkibundinnsamn  ingsskyldutilaWstundavtryggingamiWluneingngufyrireitteWafleirivtryggingaflg.  AfYessumatriWummleiWaaWvtryggingamiWlariaWkomaframsem;hWurrWgjafi a viWskiptamannsins. ],   0a-ogb-liW1.tlul.3.gr.eraWfinnaskilgreiningustarfsemisemfellurundirframan ( greindaumfjllun.ErannarsvegarlagttilaWvtryggingamiWlaris;hWurogveitiviWskipta  mannisnumrWgjfgrundvellihlutlausrargreiningarngilegamrgumvtrygg   ingarsamningum,semboWierumarkaWnum,tilaWhanngetikomiWmeWtillgu,samrmi  X viWfaglegarviWmiWanir,umhvaWasamningursamrUmistbestYrfumviWskiptamannsins. T #  HversumargirvtryggingarsamningarnirskuluveraverWuraWmetahverjutilfelli,t.d.meW    hliWsj;nafYvumhvaWavtryggingargreineraWrWa.SamkvmtYessariskilgreininguer    umvtryggingamiWlunaWrWaYegarvtryggingamiWlarileitareftirtilboWumvtryggingu   fyrirviWskiptamannsinn,fyrirtkieWaeinstakling,hjtilteknumfjldavtryggingaflaga O  markaWi. K    HinsvegargeturvtryggingamiWlarieingngumiWlaWvtryggingumeiginbyrgWfr   einueWafleiriflgum.HannstarfarYekkiYeirrabyrgWeinsogvtryggingaumboWs   maWurgerir.0slkumtilvikumbervtryggingamiWlaraaWupplUsaviWskiptamannsinnum {  nfnYeirravtryggingaflaga. wF   StarfsemivtryggingamiWlarafellurnundirlgnr.60/1994,umvtryggingastarfsemi, B einsogWurhefurveriWvikiWaW.HefurstarfseminhingaWtilveriWf;lginaWleitatilboWa   vtryggingarfyrirviWskiptamannnYessaWviWkomandivtryggingamiWlarissamnings  bundinneinueWafleiritilteknumvtryggingaflgumumaWmiWlavtryggingumYeirra r vegum.0reglugerWummiWlunvtryggingaerraunarlagtbannviWaWvtryggingamiWlari n= tengisteinstkumvtryggingaflgum,enm.a.ergertrWfyriraWums;knvtrygginga 9 miWlaraumstarfsleyfislgWframyfirlUsingumsjlfstWigagnvarteinstkumvtrygginga  flgumogaWenginfjrhagslegtengslsuviWvtryggingaflg,semmiWlaWertilvegna  eignaraWildareWahagsmunaannarraenYeirrasemtengjastYeimvtryggingarsamningnum i semkomiWer.MeWb-liW1.tlul.3.gr.frumvarpsinsersamrmiviWkvWitilskipun e4 arinnarlgWtilsveigamiklabreytingaWvtryggingamiWlarigetimiWlaWvtryggingum 0 vegumeinseWafleirivtryggingaflagaeiginbyrgW.HefurYettanUmlifrmeWsraW  tiltekinvtryggingamiWlarigetureiginbyrgWstundaWmiWlunvtryggingatengslumviW  eittvtryggingaflag,enYarfekkiaWveitahlutlausagreininguvtryggingarsamningumsem `  boWierumarkaWi. \+!   02.tlul.3.gr.erlgWtilnUskilgreininghugtakinuvtryggingamiWlari,semsamkvmt '" kvWinuereinstaklingureWalgaWilisemstundarstarfsemisemfelstaWkynna,bj;Wafram # eWaundirbameWWrumhttisamningaumvtryggingu,aWkomaslkumsamningumeWa  $ aWstoWaviWframkvmdYeirra,gegnendurgjaldi.Skilgreininginbyggist5.mgr.2.gr.til !W% skipunarinnar,YarsemhugtakiWerskilgreintmeWsambrilegumhtti. S""&   0frumvarpinuerlagttilaWvtryggingamiWlarigetistarfaWsemeinstaklingureWalgaWili. #' TilumrWuvaraWgeraaWskilyrWiaWvtryggingamiWlarargtueinungisstarfaWlgaWila #( formienhelstustWureraWlgumumhlutaflgogeinkahlutaflgeruskUrarreglurum $ ) formogefnislkraflagaenjafnframtYykireWlilegtaWmiWlunvtryggingaslktognnur %N!* leyfisskyldstarfsemirekinlgaWilaformi.SWusturhafaennfremurnrallirnUirv J&"+ tryggingamiWlararvaliWlgaWilaformiWrekstrisnum.05.mgr.2.gr.tilskipunarinnarkemur '", framaWvtryggingamiWlarislgaWilieWaeinstaklingursemhefureWastundarv '#- tryggingamiWlungegnY;knun.AfYeimskumvartaliWaWskilyrWislenskrarlggjafarum 1 lgaWilaformmyndibrj;tabgaviWkvWitilskipunarinnarogkvWisamningsinsum  Evr;pskaefnahagssvWiWumstaWfestuogYj;nustufrelsi.    StarfvtryggingamiWlarafelstaWyfirfaravtryggingaYrfviWskiptamannaogrWleggja a aWslkriniWurstWufenginnihvaWavtrygginghentiviWkomandibest,gegnendurgjaldi. ], HefurYarekkihrifhvergreiWirvtryggingamiWlaraendurgjald,vtryggingaflageWaviW ( skiptamaWur.EkkihefurheldurhrifhvaWaformiendurgjaldiWerinntafhendi,Yanniggetur  veriWumaWrWapeningagreiWslueWaannanumsaminnvinning.MikilvgteraWviWskipta   maWursupplUsturumendurgjaldoghverjumberiaWgreiWaslktendurgjald,samrmiviW  X YaWerlgWtilnUregla32.grerlUturaWslkriupplUsingaskyldu. T #    03.tlul.erlgWtilnUskilgreininghugtakinuvtryggingaumboWsmaWur.0athugasemd    ummeWfrumvarpitillagaumvtryggingastarfsemifrrinu1994komframaW;Yarftvri    aWsetjakvWiumumboWsmenninnlendravtryggingaflaga,YarsemYeirstrfuWubyrgW   vtryggingaflaga. O    0frumvarpinuerskilgreininghugtakinuvtryggingaumboWsmaWurogerhnorWuW K  nokkuWannanhttenlgumumvtryggingastarfsemi.SkilgreiningssemlgWertiler   samhlj;WasambrilegriskilgreiningudanskralagaumvtryggingamiWlunognorskufrum   varpiumsamaefni.0frumvarpinuerlagttilaWvtryggingaumboWsmaWurmiWlivtrygg {  ingumvegumeinseWafleirivtryggingaflagaogbyrgWYeirra.ViWkomandivtrygg wF ingaflagberbyrgWstarfsemivtryggingaumboWsmannsogtekursbyrgWbWitilfag B legrastarfaviWkomandiogfjrhagslegarbyrgWar.AfYeimskumerekkigertrWfyriraW   vtryggingaumboWsmennleggiframstarfsbyrgWartryggingulktog_vtryggingamiWlarar,  enda_ԀberivtryggingaflagfullabyrgWstarfiviWkomandi. r   & , XerlagttilfrumvarpinuaWvtryggingaumboWsmennverWiaWuppfyllatilteknarhfis n= krfurogaWYeirsusrstaklegaskrWirhjvtryggingaflagi.SkalsskrningveraaW 9 gengilegalmenningi.    ',n'-HugtakiWvtryggingaumboWsmaWurfrumvarpinutekurtilYessh;pssemhefurundir  gengistsamningviWeitteWafleirivtryggingaflgumaWmiWlavtryggingumYeirraveg i um.SemdmiumaWilasemmunufallaundirYettahugtakerubankarogsparisj;Wirauk e4 ;Yekktsh;psannarraaWilaseminnaafhendistarfsemisemfellurundirskilgreiningu 0 miWlun&  vtrygginga.Xessih;puraWilahefurframaWYessuekkilotiWsrtkueftirlitiYessu  sviWi.'a0    MeWsamahttiogvarWandivtryggingamiWlaraergertrWfyriraWvtryggingaumboWs `  menngetistarfaWsemeinstaklingareWalgaWilarogjafnframtaWYj;nustaYeirrasinntaf \+! hendigegnendurgjaldi. '"   LgWertilbreytingskilgreininguhugtakinuvtryggingaslumaWur.Erennfremurlagt # tilaWskilgreiningulagaumvtryggingastarfsemiverWibreyttmeWsambrilegumhtti.MeW  $ vtryggingaslumannierttviWstarfsmannsemstarfarvegumogbyrgWvtrygginga !W% miWlara,vtryggingaumboWsmannseWavtryggingaflagsviWmiWlunvtrygginga.RttYykir S""& aWsambrilegskilgreiningtakitilstarfsmannaallraYeirraaWilaerkomiWgetaaWslueWa #' miWlunvtryggingahrlandi.kvWifrumvarpsYessatakaekkitilstarfsmannavtrygg #( ingaflaganna,endaersrstaklegatekiWfram1.tlul.4.gr.aWlgintakiekkitilvtrygg $ ) ingaflagsogstarfsmannaYessnemaannarsssrstaklegagetiW. %N!*   010.tlul.erlgWtilskilgreiningnUjuhugtaki,varanlegurmiWill,sembyggist12.mgr. J&"+ 2.gr.tilskipunarinnar.SamkvmtfrumvarpinumerkirvaranlegurmiWill,aukpapprs,tki '", semgerirviWskiptamannikleiftaWgeymaupplUsingarsembeintertilhans;breyttar,Yannig '#- aWhanngetiafritaWYrogflettuppYeimkveWinntma.VaranlegirmiWlargetaeinkum 1 veriWdisklingar,geisladiskar,stafrnirmynddiskar(DVD)ogharWirdiskartlvuviWskipta  mannaYarsemtlvup;sturervistaWur.Vefseturnetinuteljasthinsvegarekkitilvaranlegra  miWla,nemaYauuppfylliviWmiWanirsemeraWfinnaskilgreininguhugtaksins,Yarsemhgt a eraWbreytaupplUsingumvefsWumogYruppfyllaalmenntekkikrfurnarumaWvera ], beintsrstaklegatileinstaksviWskiptamanns.Venjulegurgsm-smitelstheldurekkitil ( varanlegsmiWilsYarsemYeimerekkingilegtplsstilaWgeymaupplUsingar.XaWmYv  tlaaWtilaWupplUsingarteljistuppgefnarvaranlegummiWliverWiYraWveraYannigaW   viWskiptamanniskleiftaWkynnasrYrmeWYvaWlesaYr.Smbrf,tlvup;stur,  X upplUsingardisklingi,geisladiskieWastafrnummynddiski(DVD)uppfyllaYessarkrfur, T #  semogtlvup;stur,enhannvistastyfirleittharWandisktlvuviWskiptamannsogerhgt    aWprentatpappr.    @ Um4.gr. O    0greininnieraWfinnaupptalninguYeirristarfsemisemtelstundanYeginlgunum.0Ums K  umgreinumtilskipunarinnareraWfinnaundanYgurfrgildissviWihennar.03.gr.frum   varpsinseraWfinnakvWierltaaWinnleiWingu3.og4.mgr.2.gr.tilskipunarinnar.   kvWi1.gr.tilskipunarinnareruinnleidd5.gr.frumvarpsins. {    01.tlul.erlagttilaWstarfsemivtryggingaflagsogstarfsmannaYeirrafalliekkiundir wF lgummiWlunvtrygginga.ErYaWsamrmiviWskilgreiningugildissviWifrumvarpsins. B UmstarfsemivtryggingaflagaogstarfsmannaYeirragildalgumvtryggingarsamninga   oglgumvtryggingastarfsemieftirYvsemviW.  & a   02.tlul.ervikiWaWrWgjfsemtilfallandierveittinnanrammaannarraratvinnustarf r semi.SkilyrWieraWtilgangurinnmeWrWgjfinnisekkiaWaWstoWaviWskiptamannviWgerW n= eWaframkvmdvtryggingarsamnings.TluliWurinnvarWarinnleiWingu3.liW3.mgr.2.'aAgr. 9 tilskipunarinnarogumfjllun12.mgr.inngangshennar,Yarsemm.a.kemurframaW  tilskipuninnisekkitlaWaWgildaumaWilasemstundaaWraatvinnustarfsemienmiWlun  vtrygginga,svosemskattasrfrWingaeWaendurskoWendur,semveitatilfallandirWgjfum i vtryggingarverndstarfisnu.XaWsamageturttviWumstarfsemilgmanna,semalgengt e4 eraWveitirWgjfumvtryggingarsemliWalmennrihagsmunagsluviWskiptamannasinna. 0   03.tlul.greinarinnarervikiWaWundanYguerlUturaWalmennriupplUsingagjfumv  tryggingareWaYegartengslumviWvtryggingaflgerkomiW,aWYvtilskilduaWtilgang  urinnsekkiaWkomavtryggingarsamningi.SemdmiumstarfsemisemgeturfalliWundir `  YennantluliWeraWkomabifreiWasalaaWmlumersnaaWlggiltumkutkjatryggingum. \+! 091.og92.gr.umferWarlaga,nr.50/1987,sbr.og8.gr.reglugerWarnr.392/2003,umlg '" mltarkutkjatryggingar,erkveWiWumaWllskrWkutkiskuliveravtryggW # byrgWartrygginguogslysatryggingukumannsogeigandasemvtryggingartaka.Svenja  $ hefurYr;astviWkaupogslukutkjahjbifreiWasalaaWstWluWumeyWublWumbif !W% reiWasala,kaupsamningiog/eWaafsali,ersrstakurreiturYarsemkaupandigeturmerktviW S""& hjhvaWavtryggingaflagihannhyggstvtryggjabifreiWsna.Samkvmtlgumogreglum #' umstarfsemibifreiWasalahvlirbifreiWasalaskyldaaWsendatilkynninguumeigendaskipti #( kutkjatilkutkjaskrr,UmferWarstofu.0YeirritilkynninguskalvtryggingaflagsgetiW. $ ) HiWsamaviWumnUskrningukutkja.SYj;nustabifreiWasalaaWkaupandibifreiWargeti %N!* tilgreintnUskrningar-ogeigendaskiptatilkynningum,kauptilboWieWaafsalihvaWavtrygg J&"+ ingaflagihannhyggstvtryggjabifreiWinahjflokkastundirlgbundnaYj;nustusembif '", reiWasaliinnirafhendifyrirkaupanda.HefurYessiframkvmdYr;astrannarstengslum '#- viWviWleitnistj;rnvaldaogvtryggingaflagatilaWfkka;vtryggWumkutkjumum 1 ferWinni.HiWsamageturttviWumframsendingubifreiWasalabeiWniumhftryggingu,  tengslumviWlgmltarbyrgWartryggingarkutkja.UmrWaumvtryggingarsamninginn  ogumfanghans,svosemumverWogeiginhttuferframmillieiganda(kaupanda)bif a reiWarogvtryggingaflags. ],   UmleiWogblasaliveitirrWgjfeWabUWurframaWraYj;nustueWaaWstoWerlUturaW ( undirbningivtryggingarsamningserhannfarinnaWmiWlavtryggingumskilningi1.mgr.  1.gr.SambrilegaWstaWageturskapastWrumatvinnugreinum,svosemumaWkomufast   eignasalavegnalgboWinnabrunatryggingahseignaeinsogWurhefurveriWnefntum  X fjllunum1.gr.frumvarpsins.FerYaWeftirmatihverjusinnihvorttiltekinstarfsemifellur T #  undir1.gr.eWaundanYgukvWi3.tlul.4.gr.      04.tlul.erlagttilaWstarfsemiatvinnuskyniYarsemframfermeWferWvtryggingar    krafnavtryggingaflags,tj;nsuppgjrogsrfrWimattj;nakrfumfalliekkiundirlgum   miWlunvtrygginga.StarfsemiYessifelurekkisraWveriWsaWkynna,bj;WaframeWa O  undirbameWWrumhttisamningumvtryggingu.ErYessireglasamrmiviWnverandi K  lagareglur.   @ &  Um5.gr. {    0greininni'TerkveWiWumtakmrkungildissviWilagannaogstyWstgreininviW2.mgr. wF 1.gr.tilskipunarinnar.kvWi1.!4.tlul.beraWskoWasamhengiYarsemYeirYurfaallir B aWverauppfylltirtilaWtakmrkunineigiviW.     & a 01.tlul.ergertaWskilyrWiaWvtryggingarsamningurinnkrefjisteingnguYekkingar  Yeirrivtryggingarverndsemvtryggingarsamningurinnveitir,semdmimnefnaerferWa r skrifstofurbj;WauppforfallatryggingartengslumviWsluferW.'aU n=   02.tlul.ergertaWskilyrWiaWvtryggingarsamningurinnfeliekkisrlftryggingu.Lf 9 tryggingarerufl;knarvtryggingar,YarsemviWskiptamaWurhefurYrffyrirtarlegarupp  lUsingar&  WurenvtryggingarsamningurergerWurogkallarsrfrWiYekkinguYesssem  miWlarvtryggingunni.'OX i   03.tlul.ergertaWskilyrWiaWvtryggingarsamningurinntakiekkitilskaWab;tabyrgWar. e4   04.tlul.kemurergertrWfyriraWsermiWlivtryggingunnihafiekkiaWalatvinnuaf 0 starfanum.    05.tlul.kemurframaWmiWlunvtrygginga,semveitterafaWilaerstundarsluvru  eWaferWaYj;nustu,sundanYeginkvWumlaganna,endasuskilyrWia-ogb-liWartlu `  liWarinsuppfyllt.0a-liWervsaWtilvtryggingasemnyfirhttuaWvrurbili,glatisteWa \+! skemmist.Xerb-liWvsaWtilvtryggingasemseldareruafferWaskrifstofumtengslumviW '" ferW,YegarvtryggingingreiWirbturYegarfarangurskemmisteWaglatasteWaYegarv # trygginginergegnannarrihttusemtengistferW,t.d.forfallatrygging.Vakinerathygli  $ YvaWvtryggingskv.b-liWgeturfaliWsrlftryggingueWaskaWab;tabyrgWaWYvgefnu !W% aWvtryggingarverndinstilviWb;tarviWaWalverndinagegnhttutengdriferWinni. S""&   kvWi1.!5.tlul.verWuraWtlkasamhengiviW6.og7.tlul.varWandihmarkiWgjalds #' oglengdgildistmavtryggingarsamnings.SamkvmtgreininnimrlegtiWgjaldekkivera #( hrraen40.000kr.,enY;aldreihrraen500evrurmiWaWopinbertviWmiWunargengievru $ ) hverjusinni.Xmgildistmivtryggingarinnarekkiveralengrienfimmrheildogtekur %N!* stmijafnframttilframlengingarvtryggingunni.FarirlegtiWgjaldyfir40.000kr.eWa J&"+ sgildistmilengrienfimmrfellurstarfsemiviWkomandiundirgildissviWlaganna. '",  '#- @))UmII.kafla. 1   0II.kaflaeraWfinnareglurerltaaWveitingustarfsleyfisvtryggingamiWlara.HelstanU  mlisemlagtertilkaflanumeraWstarfsleyfisveitingfristyfirtilFjrmlaeftirlitsfr  viWskiptarWherratilsamrmisviWflestaraWrarleyfisveitingarsviWifjrmlamarkaWar.0 a kaflanumerjafnframtaWfinnaskilyrWisemeinstaklingaroglgaWilarYurfaaWuppfyllatil ], aWhlj;tastarfsleyfi.XerfjallaWumums;knarferliW,skryfirveittstarfsleyfiogreglurer ( ltaaWbreytingustarfsemi.Ngildandireglurumums;knumstarfsleyfivtryggingamiWl  araeraWfinna6.!12.gr.reglugerWarnr.853/1999,ummiWlunvtrygginga.ReglurYrsem   lagWarerutilfrumvarpinuer;breyttaraWhlutaenvarWanditiltekinatriWierulagWartiltar  X legrireglurengildandireglugerW. T #  @ Um6.gr.      0greininnierlgWtilefnislegbreytingtilhgunstarfsleyfisveitinga,enkveWiWerum   aWFjrmlaeftirlitiWveitivtryggingamiWlurumstarfsleyfi.Samkvmtngildandilgumog O  reglugerWveitirviWskiptarWherravtryggingamiWlurumstarfsleyfiaWfenginniumsgnFjr K  mlaeftirlits.SYr;unhefurttsrstaWsWusturaWstarfsleyfisveitingarfjrmlamarkaWi   hafafrstfrviWskiptarWherratilFjrmlaeftirlitsins.ErsskipanmlasamrmiviWal   mennavenjuEvr;puogerveitingstarfsleyfisrauneinnhlutiafopinberueftirlitimeWstarf {  semiviWkomandifjrmlafyrirtkis,YessutilvikivtryggingamiWlara.BreytingYessihefur wF ennfremurfrmeWsraWumskjandiumstarfsleyfigeturkrtsynjunFjrmlaeftirlitsins B &  umstarfsleyfitilkrunefndarsemstarfarsamkvmtlgumnr.87/1998,umopinberteftirlit   meWfjrmlastarfsemi.' j  @ & , Um7.gr. n=   0greininnierutalinuppYauggnsemfylgjaskuluums;knumstarfsleyfieinstaklingssem 9 vtryggingamiWlara.UpptalninginerekkitmandiYarsemgerterrWfyriraWFjrmla  eftirlitiWgeti;skaWfrekariskUringaeftirYvsemviW.',nj    GerterrWfyriraWupplUsingarsemframkomaums;knsutarlegar.MarkmiWiWeraW i umskjendurgerisrfyrirframgreinfyrirYeirristarfsemisemfyrirhugaWeraWstundaog e4 sUniframaWYeirsuhfirtilaWsinnahenni.Umhfiumskjandaogstarfsmannahans 0 ervsaWtilumfjllunaralmennumathugasemdumogsrstakriumfjllunumhfiskrfur  III.kafla.    0greininnierulagWartilUmsarbreytingarfrngildandireglum6.gr.reglugerWarum `  miWlunvtrygginga,nr.853/1999.HelstubreytingarltaaWYvaWveitaskaltarlegarupp \+! lUsingarumfyrirhugaWastarfsemi,m.a.erlUturaWstarfsstW,fjldastarfsmanna,innraeftir '" litioghttustUringu.XergertrWfyriraWlgWsframtlunumstarfseminafyrirnstu # Yrjreikningsr,Yarsemm.a.komiframrkstuWningurkostnaWiviWaWkomastarfseminni  $ afstaWoghverniggreiWaeigiYannkostnaW,tluWstaWastarfseminnarsamkvmtefnahags !W% reikningilokYriggjafyrstureikningsrannasamttlunumrlegartekjuroggjld. S""& kvWiWskirfyrirmyndsnalgumvtryggingastarfsemiYarsemgerterrWfyriraW #' vtryggingaflagskulileggjaframtlunumfyrirhugaWastarfsemimeWums;knumstarfs #( leyfi.kvWifrumvarpsinserekkijafntarlegtogkvWilagaumvtryggingastarfsemiog $ ) mrekjaYaWtilYessaWekkierugerWarfjrhagslegarkrfurtilvtryggingamiWlarameWsama %N!* httioggjaldYolsreglurlagaumvtryggingastarfsemikveWaum.UndirstrikaYessinUju J&"+ kvWiYherslusemlgWeraWumskjandaslj;ststraxupphafihvernighannhyggst '", hagarekstrinumogaWhanntliraunverulegaaWhefjastarfsemi.JafnframtermikilvgtaW '#- FjrmlaeftirlitiWgetistraxupphafiviWafgreiWsluums;knarumstarfsleyfilagtmatYau 1 atriWisemsnaaWYessumhlutarekstrarvtryggingamiWlara.Xerlj;staWFjrmlaeftirlitiW  munekkigefatstarfsleyfinemalj;stsaWumskjandihyggisthefjastarfsemi.    SkilyrWigreinarinnareigaekkieingnguviWupphafiYegars;tterumleyfitilvtrygg a ingamiWlunarYvskv.34.gr.frumvarpsinsgeturFjrmlaeftirlitiWafturkallaWstarfsleyfisu ], skilyrWigreinarinnarekkilenguruppfyllt. ( @ Um8.gr.     0greininnieraWfinnareglurerltaaWums;knlgaWilaumstarfsleyfivtryggingamiWlara.  X GreinineraWmikluleytisamhlj;WakvWi7.gr.umums;kneinstaklingaumstarfsleyfiog T #  eigasmusj;narmiWviWogervsaWtilumfjllunarum7.gr.frumvarpsins.    @ Um9.gr.     01.mgr.erfjallaWumYanntmafrestsem_FjrmlaeftirlitiW_ԀhefurviWafgreiWsluums;knar O  umstarfsleyfivtryggingamiWlara.ErlagttilaWafgreiWsluums;knarskuliveralokiWinnan K  mnaWarfrYvFjrmlaeftirlitinubarstfullbinums;knumstarfsleyfi.Vakinerathygli   YvaWYaWerFjrmlaeftirlitsinsaWmetahvenrums;kntelstfullbin.XarsemafgreiWslu   tmierekkilangurYykirekkistWatilaWmlafyrirumaWFjrmlaeftirlitiWskulisenda {  umskjandatilkynninguumhvenrums;knteljistfullngjandi.0tilskipuninnierekkiaW wF finnatmafrestiviWafgreiWsluums;kna,enreynslaafafgreiWsluums;knagefurvsbendingu B umaWmnuWursngilegalangurtmifyrirFjrmlaeftirlitiWtilaWleggjamatfullbna   ums;kn.    02.mgr.kemurframaWstarfsleyfiskulitilgreinahvaWagreinaflokkavtryggingastarfs r leyfiWtekurtil. n=   0& a 3.mgr.erkveWiWumaWFjrmlaeftirlitiWskulibirtatilkynninguumstarfsleyfiv 9 tryggingamiWlaraLgbirtingablaWinu.ErkvWiWefnislega;breyttfr14.gr.reglugerWar  ummiWlunvtrygginga.'a9Ԁ  @rrUm10.gr. e4   0greininnierfjallaWumrkstuWningsynjunarums;knarogfrestierFjrmlaeftirlitiW 0 hefurerums;knersynjaW.UmnUmlieraWrWa,enrttY;ttitilsamrmisviWaWralggjf  erlUturaWfjrmlastarfsemiogreglnastj;rnsUslurttaraWkveWaumslkafrestilgum.  LagtertilaWfresturtilaWhafnaums;knverWieinnmnuWur,samrmiviWafgreiWslufrest `  ums;kna.XerjafnframtlagttilaWsynjunskulialltafhafaboristumskjandainnansex \+! mnaWafrm;ttkuums;knar. '" @rrUm11.gr.  $   0kvWinuerkveWiWumaWFjrmlaeftirlitiWskulihaldaskrumveittstarfsleyfioger !W% kvWiWefnislegasamhlj;Wa13.gr.reglugerWarummiWlunvtrygginga.NUmlieraW S""& skrnniskalkomaframhvaWarkjumvtryggingamiWlaristundarstarfsemigrundvelli54. #' gr.frumvarpsins. #( Ѐ@rrUm12.gr. %N!*   GreinYessierefnislegasambrileg3.mgr.13.gr.lagaumvtryggingastarfsemi.0grein J&"+ innierstaWfestaWstarfsheitiWvtryggingamiWlarierlgverndaWstarfsheitimeWsamahtti '", ogveriWhefur.XannighafaaWrirenYeirsemfengiWhafastarfsleyfiFjrmlaeftirlitsinsog '#- veriWskrWirvtryggingamiWlaraskrekkiheimildtilaWnotaheitiWvtryggingamiWlari. 1 @rrUm13.gr.    0greininnierureglurerltaaWYvYegarbreytingerfyrirhuguWstarfsemivtrygginga a miWlara,t.d.efhannhyggsttakauppmiWlunnUjumgreinaflokkivtrygginga.ErlagttilaW ], vtryggingamiWlariskuliskjaumslkabreytingutilFjrmlaeftirlitsinsogaWafgreiWslan ( farieftirkvWum9.gr.frumvarpsins.Greininerefnislegasamhlj;Wa11.gr.reglugerWarum  miWlunvtrygginga.   @rrUm14.gr. T #    GreininersamrmiviWkvWi4.gr.reglugerWarummiWlunvtrygginga,sembyggist    5.gr.lagaumvtryggingastarfsemi.0greininnierkveWiWumaWvtryggingamiWlarimegi    einungismiWlavtryggingumtilvtryggingaflagasemhafastarfsleyfihrlandi,hafistofn   aWhrtibeWaveitiYj;nustuntibs.EWlilegteraWhafaslkareglutilrttingarYarsem O  vtryggingastarfsemierstarfsleyfisskyldstarfsemi. K  @  UmIII.kafla.     0kaflanumerukvWierltaaWhfiskrfumstofnanda,stj;rnanda,framkvmdastj;ra {  ogstarfsmannavtryggingamiWlunar.XerulagWartilreglurervarWapr;fmiWlunvtrygg wF inga.&  0kaflanumerufj;rargreinarogerumeWYeiminnleiddkvWi1.og2.mgr.4.gr. B tilskipunarinnar.'B   @rr& a Um15.gr. r   0kvWinueraWfinnareglurumhfisskilyrWisemeinstaklingarverWaaWuppfyllatilaW n= getastundaWvtryggingamiWlun.'avԀEfnislegaerugerWarsmukrfuroglgumumvtrygg 9 ingastarfsemiogreglugerWummiWlunvtrygginga.0greininniergertrWfyriraWeinstak  lingursemhyggststundavtryggingamiWlunslgrWaogbsettur0slandi.Jafnframter  kveWiWumaWeinstaklingarmegiekkihafamisstforrWibisnusWustufimmr.Til i skoWunarkomaWtilokaallaeinstaklingasemstthafaskiptameWferWbisnuensregla e4 Y;ttiofstrng.TmsarstWurgetaveriWYessvaldandiaWmennmissaforrWibisnun 0 YessaWslktgefitilefnitilaWtlaaWYeirsu;frirtilaWgegnastrfumvtryggingamiWlara.    XertilskiliWaWeinstaklingurhafiekkisWustufimmrumgerstsekurummeirihttar  brottengdatvinnurekstri.FimmramarkiWgengurlengraenkvWihlutaflagalagaenverW `  uraWteljasteWlilegtmeWtillititilYeirrarkubyrgWarsemstrfumvtryggingamiWlarafelst. \+! XaWtmamarkerennfremursamrmiviWaWralggjffjrmlamarkaWi. '"   02.mgr.erkveWiWummatskenndarreglurumhfieinstaklingatilaWsinnastarfiv # tryggingamiWlara.Samkvmt9.gr.reglugerWarummiWlunvtryggingaerFjrmlaeftirlitinu  $ heimiltaWfullvissasigumhfniumskjanda,m.a.Yekkinguslenskumvtrygginga !W% markaWi.FjrmlaeftirlitiWhefurnUttYessaheimildlangflestumtilvikumYegarunniWhefur S""& veriWaWumsgnumvegnaums;knaeinstaklingaoglgaWilaumstarfsleyfitilmiWlunarv #' trygginga,meWYvaWkallaumskjendurfundYarsemfariWeryfirlgogreglursviWi #( vtryggingaogYekkinguviWkomandiefninu.GeramrWfyriraWviWmathfiskv.2. $ ) mgr.verWislktframtWkaW,endahefurYessileiWgefistvelframaWYessutilaWkannaYekk %N!* ingu. J&"+   Xer3.mgr.gertrWfyrir,tilaWtryggjalgmarksYekkinguumskjandalgumog '", reglumummiWlunvtrygginga,aWviWkomandiskulihafastaWistpr;fmiWlunvtrygginga. '#- 09.gr.ngildandireglugerWarummiWlunvtryggingaerm.a.gertrWfyriraWumskjandi 1 umleyfivtryggingamiWlarahafistaWistpr;fmiWlunvtrygginga.Umpr;fvtrygg  ingamiWlungildirnreglugerWnr.350/1997,umpr;fnefndvtryggingamiWlara,nmskeiW  ogpr;ftilYessaWmegastundamiWlunvtrygginga.FyrstunmskeiWogpr;fvtrygginga a miWlunvoruhaldinrinu1997oghafaveriWhaldinYrisvarsinnumsWan. ],   XegarlgumumvtryggingastarfsemivarbreyttmeWlgumnr.63/1997,enbreytingin ( lautm.a.aWinnleiWingukvWumummiWlunvtryggingaslenskanrtt,varvsaWtilYess  aWvarWandihfisskilyrWiskyldihfWhliWsj;naflgumumverWbrfaviWskiptioglgumum   verWbrfasj;Wi.kvWiummenntunarkrfurvorufyrsttekinuppsviWiverWbrfamiWlunar  X meWlgumnr.27/1986oghafaveriWlgumervarWaverWbrfamiWlunogsWarviWskipti T #  fjrmlafyrirtkjasWan.HafakvWintekiWtluverWumbreytingumgegnumrinoghefur    tilhneiginginveriWsaWslkarkrfurniekkiaWeinstilframkvmdastj;raheldurjafnframt    tilYeirrastarfsmannasemberabyrgWdaglegristarfsemiogeruYannignrviWskipta   mnnumsnum. O    VtryggingamiWlunervandasmstarfsgreinogYarfnastumtalsverWarYekkingar.Hefur K  veriWleitastviWaWtryggjahfivtryggingamiWlaraogkomavegfyrirmistkmeWYvaW   geraalmennakrfuummenntun.0gildandireglumumstarfsemivtryggingamiWlaraergerW   krafaumaWeinstaklingursemskirumleyfitilvtryggingamiWlunarhafistaWistpr;f {  vtryggingamiWlunogtekurskrafatilframkvmdastj;raefumlgaWilaeraWrWa.Xegar wF reglurvorufyrstsettarumstarfsemivtryggingamiWlaravarstarfseminrttaWhefjastog B starfseminsmsniWum.HfWuleyfishafareWaframkvmdastj;rarleyfishafameWhndum   flestaefekkiallaYttirekstrarins.AfYeimskumvareWlilegtaWhfiskrafantkitilYeirra.    UndanfarinrhefurstarfsemivtryggingamiWlarabreystoghefurmrgumtilfellumfrst r hendurfrrienstrriaWila.SnUsthlutverkframkvmdastj;ranofttWumumalmenna n= stj;rnunfremurenaWviWkomandikomiaWmiWlunvtrygginga.XannigerYaWoftekki 9 framkvmdastj;rinnsemstundarhinadaglegumiWlunvtryggingahelduraWrirstarfsmenn  viWkomandilgaWila.TilskipunummiWlunvtryggingakveWurumaWframkvmdastj;rar  skulihafaalmennaYekkingustarfsemivtrygginga,herslaerhinsvegarlgWaWYeirsem i beintkomiaWmiWlunvtryggingahafingilegasrYekkingutilaWbera.ErYvlagttil17. e4 gr.frumvarpsinsaWkrfurummenntunogpr;fmiWlunvtryggingaverWilgWYanneWa 0 Ysemhafaumsj;nmeWdaglegristarfsemitengslumviWmiWlunvtrygginga.EnguaWsWur  erframgertrWfyriraWYeirsemveljaYleiWaWstundavtryggingamiWluneiginnafni  skulihafalokiWpr;fimiWlunvtrygginga.HvaWvarWarstj;rnendurogframkvmdastj;ra `  erhinsvegargertrWfyriraWYeirhafitilaWberaalmennaYekkingutilaWgetagegntstWu \+! sinni.MeWYessaribreytinguerekkiveriWaWleggjaalfariWtilaWframkvmdastj;rar '" vtryggingamiWlaraverWiundanYegnirkrfumumpr;fvtryggingamiWlun.0flestum # tilfellumverWuraWtlaaWskipulagfyrirtkjannasYannigaWeWlilegtsaWframkvmda  $ stj;rihafilokiWpr;fivtryggingamiWlun. !W% Ѐ@rrUm16.gr. #'   0kvWinueraWfinnareglurerltaaWkrfuumhfistj;rnarogframkvmdastj;ralg #( aWilasemhyggststundavtryggingamiWlun.Skulustj;rnarmennogframkvmdastj;riupp $ ) fyllasmuefnisleguskilyrWiogeinstaklingarskv.1.og2.mgr.15.gr. %N!*   03.mgr.erlagttilaWkvWilagaumhlutaflgogeinkahlutaflggildiaWmeginstefnu J&"+ tilumvtryggingamiWlarasemreknirerulgaWilaformi,aWYvmarkisemeWlirekstursins '", kallarekkisrstakarreglur. '#- Ѐ@rrUm17.gr.    0greininnieraWfinnareglurerltaaWhfistarfsmannavtryggingamiWlara.Felurgreinin  srnUmliYarsemframaWYessuhafaekkiveriWgerWarsrstakarhfiskrfurtilstarfs a mannavtryggingamiWlara.ByggistkvWiWkrfumsemgerWarerutilYeirraaWilaerkoma ], beintaWmiWlunvtrygginga1.og2.mgr.4.gr.tilskipunarinnar.ErkvWinu,meWsama ( httiogWrumkvWumkaflans,leitastviWaWtryggjahfiYeirraaWilaerkomaaWmiWlun  vtryggingaogverndameWYeimhttiviWskiptamennviWkomandi.     01.mgr.ergertrWfyriraWsstarfsmaWurvtryggingamiWlarasemhefurumsj;nmeW  X daglegristarfsemitengslumviWmiWlunvtrygginga,semfelstaWkynna,bj;WaframeWa T #  undirbameWWrumhttisamningaumvtryggingar,aWkomaslkumsamningumeWa    aWstoWaviWframkvmdslkrasamninga,skulihafalokiWpr;fimiWlunvtrygginga.Mikil    vgteraWsstarfsmaWursemhefuryfirumsj;nmeWslkristarfsemihafisrfrWiYekkingu   tilaWberasemYykirtryggWmeWkrfuumpr;fmiWlunvtrygginga. O    02.mgr.ergertrWfyriraWvtryggingamiWlariskulitryggjaaWvtryggingaslumennsem K  starfahansvegumbiyfirngilegriYekkinguogstarfsreynslutilaWgetasinntvtrygginga   miWlun.Ert.d.mikilvgtaWvtryggingaslumennhafiYekkingumeginatriWumlaga   Yessara,lagaumvtryggingastarfsemi,lagaumvtryggingarsamningaoglagaumopinbert {  eftirlitmeWfjrmlastarfsemi.XrttfyriraWvtryggingaslumennstarfisemverktakar,starfa wF YeirbyrgWviWkomandivtryggingamiWlarasemberlgumsamkvmtbyrgWaWviW B skiptamennhlj;tiupplUsingarogjafnframtaWkvWilagaumstarfshttisuuppfyllt.Tmsar   leiWirerutilaWtryggjaslkaYekkinguogerunmskeiWeinleiW.Varm.a.rttumaWgera  krfuumpr;fsambrilegtYvsemvtryggingamiWlararYurfaaWYreyta,enhorfiWvarfrYv. r XhefurveriWrttumaWsamtkvtryggingamiWlaratakisamannmsefniogstandifyrir n= nmskeiWifyrirvtryggingaslumenn.NauWsynlegteraWvtryggingamiWlararhugivelaW 9 YessuogtryggingilegaYekkinguoghfnistarfsmannasinnaWurenYeirhefjastrf.ff03.mgr.erkveWiWumaWvtryggingaslumennskuliveralgrWaoghafaforrWibisnu.Ekki  Y;ttirttaWgerajafnrkarkrfurhvaWvarWarbsforrWiogtilstj;rnarmannaogfram  kvmdastj;ra,YarsemumstarfsmennviWkomandiaWilaeraWrWaogberavtrygginga i slumenntildmisekkihinafjrhagslegubyrgWstarfseminni.XvareinniglitiWtilYess e4 aWannarrilggjffjrmagnsmarkaWieWasambrilegrilggjferuekkigerWarslkar 0 krfurtilstarfsmannaleyfisskyldraaWila.ByggistkvWiWsemfyrrsegirtilskipuninni.0  kvWinuerjafnframtgertaWskilyrWiaWvtryggingaslumennhafiekkisWustufimmrum  tengslumviWatvinnureksturhlotiWd;mfyrirrefsiverWanverknaW.ErYarumaWrWakrfur `  sambrilegarviWYrsemgerWarerutilstj;rnarmannogframkvmdastj;ra. \+!   04.mgr.ergertrWfyriraWviWskiptarWherragetisettnnarireglurumhfisskilyrWi '" starfsmannavtryggingamiWlara,YarmeWalumlgmarksYekkingu. # @rrUm18.gr. !W%   0greininnieraWfinnareglurerltaaWpr;fimiWlunvtrygginga.01.mgr.kvWisins S""& ergertrWfyriraWsrstkYriggjamannapr;fnefnd,skipuWafviWskiptarWherra,hafiumsj;n #' meWpr;fimiWlunvtrygginga.RttYykiraWfestalghelstukvWiumskipanpr;f #( nefndar,heimildtiltkuYj;nustugjaldao.s.frv.Pr;fskuluaWjafnaWihaldinrlega,enkunna $ ) Y;aWverahaldinmeWlengramillibili,t.d.efYtttakanrekkivissulgmarki.GerterrW %N!* fyriraWviWskiptarWherramlifyrirumnnaripr;fkrfur,framkvmdpr;faogundanYgu J&"+ heimildirformireglugerWar. '",   02.mgr.erlagttilaWpr;fnefndhafiheimildtilaWfela;hWumaWilumaWsjumfram '#- kvmdpr;fa.FramtilYesshafanmskeiWogpr;fvtryggingamiWlunveriWhaldinvegum 1 pr;fnefndarsemhefurgertsamningviWEndurmenntunarstofnunHsk;la0slandsumfram  kvmdina.LagtertilaWnnaritfrslaframkvmd,pr;fkrfumo.fl.verWireglugerW.  LklegtmteljaaWviWnnaritfrsluverWihorfttilpr;fsverWbrfaviWskiptumogstarfa a pr;fnefndarverWbrfaviWskipta,ennokkurreynslaerkominYaraukfyrrireynslusviWi ], miWlunarvtrygginga. ( @UmIV.kafla.     0kaflanumerufj;rargreinarerfjallaumfjrhagslegarkrfursemgerWarerutilvtrygg  X ingamiWlaraogreglurerltaaWviWtkufjrmuna.0kaflanumeruinnleiddkvWi3.og4. T #  mgr.4.gr.tilskipunarinnar.    @rrUm19.gr.     0greininniermltfyrirumfjrhagslegastWuvtryggingamiWlara.01.mgr.erkveWiWaW O  umaWvtryggingamiWlariskulihverjumtmagetastaWiWviWfjrhagslegarskuldbindingar K  snar.0ngildandilgumogreglumummiWlunvtryggingaerekkiaWfinnasambrilegt   kvWiogerkvWiWeittYeirrakvWasemfelaFjrmlaeftirlitinufjrhagslegteftirlitmeW   vtryggingamiWlurumeinsogfjallaWvarumalmennumathugasemdum.LagtertilaWv {  tryggingamiWlariskuliupplUsaFjrmlaeftirlitiWeigihannekkifyrirfjrhagslegumskuld wF bindingumsnumogleggjaframtlunumendurreisnfjrhagsins.Sambrilegtentarlegra B kvWieraWfinnalgumumvtryggingastarfsemierlUturaWvtryggingaflgum.Gerter   rWfyriraWFjrmlaeftirlitiWmetihvortYrrWstafanirsemvtryggingamiWlarileggurtil  teljistfullngjandi.ErmeWkvWiYessugertrWfyriraWFjrmlaeftirlitiWgetihaftnnara r eftirlitmeWfjrhagslegristWuvtryggingamiWlaraoggetigripiWfyrrinnenveriWhefur, n= stefnivandrWi.MeWYvaWgerakrfuumaWvtryggingamiWlarileggiframtlunum 9 endurreisnfjrhagserennfremurlklegtaWvtryggingamiWlarigerisrbeturgreinfyrirstWu  sinnioghorfumtilframtWar.    02.mgr.kemurframhvaWtlunskv.1.mgr.skuliinnihalda.ErYarlagttilaWtlun i skulifelasrtlunumrekstrarkostnaW,sundurliWaWatlunumtekjuroggjldogtl e4 aWanefnahagsreikning. 0   03.mgr.erlagttilaWFjrmlaeftirlitiWgetilagtfyrirvtryggingamiWlaraaWskilatlun  umfjrhagslegastWusnagefirsreikningurviWkomanditilefnitilaWtlaaWvtrygginga  miWlarieigiekkifyrirfjrhagslegumskuldbindingumsnum.ErmikilvgtaWFjrmla `  eftirlitiWgetigripiWtilslkraaWgerWagefirsreikningurtilefnitil. \+!   Xer4.mgr.lagttilaWFjrmlaeftirlitiWframsendiekkitilkynninguvtryggingamiWlara '" umfyrirhugaWastarfsemiEvr;pskaefnahagssvWinutileftirlitsstj;rnvaldaEES-svWinu # meWantlunskv.1.mgr.ergildi.EkkiereWlilegtaWheimilavtryggingamiWlarasemer  $ aWvinnasigtrfjrhagsvandrWumaWhefjastarfsemierlendis,endageturslktrsveriW !W% kostnaWarsmoghefurreynslanleittlj;saWtrsgeturbreyttmikluvarWandifjrhag S""& vtryggingamiWlaramjgstuttumtma. #' @rrUm20.gr. $ )   0greininnierureglurumstarfsbyrgWartrygginguvtryggingamiWlaraogerhennitlaW %N!* aWinnleiWa3.mgr.4.gr.tilskipunarinnar.UmstarfsbyrgWartrygginguvtryggingamiWlara J&"+ gildirnreglugerWnr.352/1997,ensamkvmthennierheimiltaWundanYiggjatj;nerverWur '", vegnast;rkostlegsgleysis.FrumvarpYettaleggurtilefnislegabreytinguerYettavarWarYv '#- gerterrWfyriraWbyrgWartrygginginskulibWitakatiltj;nssemvaldiWerafalmennuog 1 st;rkostlegugleysi.XskalvtryggingingildalluEES-svWinueinsogner.Starfs  byrgWartrygginginskaltakabWitilvtryggingamiWlaransogstarfsmannahans.0frum  varpinuergertrWfyriraWvtryggingamiWlarigetihaftvinnusnumvegumlaunYegaog a verktaka,semerYekktstarfivtryggingamiWlarahrlandiogvWaEvr;pu.Lj;steraW ], starfsbyrgWartryggingviWkomandiverWuraWtakajafnttillaunYegaogverktakasemstarfa ( hansbyrgW.    LagtertilaWnnarireglurumstarfsbyrgWartrygginguverWiaWfinnasrstakrireglugerW   lktogner.XereinniglagttilaWsendaskuliFjrmlaeftirlitinustaWfestinguendurnUjun  X vtryggingarinnar,enframkvmdhefurskorthvaWYaWvarWar. T #    0ngildandireglugerWumvtryggingaskylduvegnamiWlunarvtryggingaeruvtrygg    ingarfjrhWirmunlgrientilskipuninkveWurum.Samkvmttilskipuninnierlgmarks    fjrhWeinmillj;nevraeWaum85millj;nirslenskrakr;navegnahverseinstakstj;nsog   einoghlfmillj;nevraeWaum127millj;nirslenskrakr;navegnaheildartj;narihverju. O  Ѐ@rr& a Um21.gr.     0greininnierkveWiWumaWvtryggingamiWlarimegiekkitakaviWiWgjldum,vtrygg   ingarb;tumeWaWrumfjrmunum'aԀfyrirhndvtryggingaflagseWaviWskiptamannanema {  samkvmtskriflegriheimild.kvWiWeraWmestuefnislega;breyttfr2.mgr.82.gr.laga wF umvtryggingastarfsemi.EWlilegteraWtakaafallanvafaumaWskriflegheimildYurfiaW B liggjafyrirWurenvtryggingamiWlaritekurviWfjrmunum.JafnframtergertrWfyrir25.   gr.frumvarpsinsaWsamningiumYj;nustuskulikomaframhvortvtryggingamiWlarihafi  slkaheimild.DmieruumaWstarfandivtryggingamiWlararhafiheimildtilm;ttkufjr r muna. n= @rrUm22.gr.    0kvWinueraWfinnareglurumskylduvtryggingamiWlaratilaWhaldaYeimfjrmunum  semtekiWerviWaWgreindumfreiginf.02.mgr.erkveWiWsrstaklegaumaWviWskipta i rWherrasetjireglugerWumvrslufjrreikninga.SambrilegaskylduernaWfinna3.mgr. e4 82.gr.lagaumvtryggingastarfsemiog18.gr.reglugerWarummiWlunvtrygginga.Xer 0 jafnframtaWfinnasambrilegarreglurumfasteignasala,sbr.17.gr.laganr.99/2004,ogum  lgmenn,sbr.23.gr.laganr.77/1998.stWaYykirtilrttingaraWkveWaumaWYeir  vextirsemkunnaaWfallavrslufrennitilYesssemfjrmunina,YannigaWekkileikivafi `  YvaWvtryggingamiWlaraberiaWskilaYeim.XYykireinnigrttaWtakasrstaklegafram \+! aWinnstWavrslufjrreikningierekkieignvtryggingamiWlara,hnerekkihftaWfarar '" andlagkrfuhafahansogkemurekkitilskiptaefbhansstirslkrimeWferW. # @""UmV.kafla. !W%   0kaflanumerusjkvWiumstarfshttivtryggingamiWlara.FlestkvWannaeruefnis S""& lega;breyttfrngildandilgumen23.gr.eraWfinnanUmlierlUturaWnauWsynlegri #' yfirsUnvtryggingamiWlarayfirstarfseminaogumsrstakarrWstafanirmissihannYyfirsUn. #( @rrUm23.gr. %N!*   0kvWinueraWfinnareglurerltaaWnauWsynYessaWvtryggingamiWlarihafillum J&"+ stundumyfirsUnyfirstarfsemina.01.tlul.erkveWiWumaWframkvmdastj;rivtrygginga '", miWlunarskulihafayfirsUnyfirreksturhennar,YarmeWalfjrhagslegastWu.TengistYetta '#- kvWi19.gr.YarsemgerterrWfyriraWvtryggingamiWlariskulihverjumtmagetastaWiW 1 viWfjrhagslegarskuldbindingarsnarogef;efnistefniskulihannskilaFjrmlaeftirlitinu  skUrsluumfjrhagslegastWuoghvernighannhyggistbregWastviW.Einsogstarfsemi  vtryggingamiWlaraogvtryggingaslumannaerhttaWernokkurhttaaWfram a kvmdastj;rieWaleyfishafimissiyfirsUnyfirreksturinn.Xarsemvtryggingaslumenneru ], allajafnanokkuWsjlfstWirstrfumsnumogeWlistarfseminnarerslktaWvtrygginga ( slumennsinnastarfisnusjlfstttogofttWuminnheimilumvntanlegraviWskipta  manna,erhttaaWyfirsUntapist.MeWsamahttier2.tlul.kveWiWumaWsstarfs   maWursemhefurumsj;nmeWdaglegristarfsemiskulihafayfirsUnyfirreksturinn.Tengjast  X YessirtluliWirkvWum3.tlul.YarsemkveWiWerumaWvtryggingamiWlariskulitak T #  markafjldaYeirravtryggingaslumannasemstarfahansvegumsvohannhafiyfirsUnyfir    starfsemiYeirra.EllaskulihannrWatilstarfavtryggingaslumannsemlokiWhefurpr;fi    miWlunvtryggingasemkomiWgetitilaWstoWarviWumsj;nmeWdaglegristarfsemi.Hj   FjrmlaeftirlitinuhefursWusturumYr;astsverklagsreglaviWvinnsluumsagnaum O  ums;kniraWmiWaviWaWeinnvtryggingamiWlarihafiekkifleirien12!15vtrygginga K  slumennviWmiWlunvtryggingasnumvegum,nemaaWhanngrpitilsrstakrarWstafana.   HafihannfleirisinniYj;nustuerhttviWaWhannmissiyfirsUnyfirreksturinn.Ekkivar   talinstWatilaWkveWankvmlegaumfjldavtryggingaslumannasemhver {  vtryggingamiWlarigeturhaftsinniYj;nustunYessaWnauWsynberitilaWrWavtrygginga wF slumannsemlokiWhefurpr;fimiWlunvtrygginga.X;erlj;staWumfjllunum B leyfisveitingarmunFjrmlaeftirlitiWhafaYennanfjlda,12!15vtryggingaslumenn,til   viWmiWunar,einsoggerthefurveriWsWusturin.SkorturyfirsUnhefurveriWeinafmegin  stWumYessaWvtryggingamiWlanirhafaorWiWgjaldYrotasWustur.ErhrYvumkaflega r mikilvgtatriWiaWrWastarfsemivtryggingamiWlara. n= @rrUm24.gr.    0greininnieraWfinnareglurerltaaWskylduvtryggingamiWlaratilaWgeraskriflega  rWningar-og/eWaverksamningaviWYsemeruhansYj;nustu.MikilvgteraWslkum i samningumkomiskUrtframaWviWkomandistarfibyrgWogundirstj;rnvtryggingamiWl e4 arans.0vtryggingamiWlunhefurfupphafitWkastaWvtryggingaslumennsuUmistverk 0 takareWalaunYegar.KomtilskoWunaraWgerakrfuumaWvtryggingaslumennskylduein  gngustarfasemlaunYegarviWkomandivtryggingamiWlara,Yarsemslktvinnurttarsam  bandsamrmistmunbeturbyrgWogskyldumviWkomandiogvenjulegumskilgreiningum `  launYegaogverktakasambndum.EftirnokkraskoWunvarfalliWfrYeirri_hugmynd,enda_ \+! tWkastYaWNorWurlndummeWsvipuWumhttioghraWvtryggingaslumennstarfisem '" verktakarenY;alfariWbyrgWogundirstj;rnvtryggingamiWlara.Xereinnigmikilvgt # aWallirvtryggingaslumennsemstarfabyrgWvtryggingamiWlarafalliundirstarfs  $ byrgWartrygginguviWkomandi,ennnarerfjallaWumYaWathugasemdumviW20.gr. !W% @rrUm25.gr. #'   Greininerefnislegasambrileg17.gr.reglugerWarummiWlunvtrygginga.Jafnframter #( sambrilegtkvWileiWbeinanditilmlumFjrmlaeftirlitsinsumstarfshttivtrygginga $ ) miWlara,nr.7/2002.0greininnierfjallaWumskylduvtryggingamiWlaratilaWgeraskriflegan %N!* samningviWviWskiptamennsnaWurenhannhefurstrffyrirviWkomandi.ErgertrWfyrir J&"+ aWslkumsamningikomim.a.framhverjustrfvtryggingamiWlaraeigiaWfelastoghvort '", vtryggingamiWlarihafiheimildtilaWtakam;tifjrmunumfyrirhndviWskiptamanna. '#- Ї@rrUm26.gr. 1   0greininnierlagttilaWtekiWveriWuppefnislega;breyttkvWi2.mgr.20.gr.reglugerW  arummiWlunvtrygginga,semkveWurumaWvtryggingamiWlariogvtryggingaslumenn  skulistarfisnuframvsaskilrkjumsemtgefineruafvtryggingamiWlara.Sambrileg a reglagildirjafnframtumYsemhafameWhndumsluvtryggingavegumvtrygginga ], flaga. ( @rrUm27.gr.     0greininnieraWfinnaalmennarreglurumYagnarskyldu.AWaukigildakvWilagaum  X pers;nuverndogmeWferWpers;nuupplUsinga,nr.77/2000,einsogvikiWeraWlokamlsliW T #  greinarinnar.MeginreglanumYagnarskyldukemurfram1.mgr.,ergreininsambrileg    YagnarskyldukvWi58.gr.lagaumfjrmlafyrirtki.ErkvWinuhnykktYvaWupp    lUsingarsemleynteigaaWfaragetabWiveriWviWskiptalegsogpers;nulegseWlis.EndaY;tt   beitingkvWisinshlj;tialltafaWverahWmatiyrWivafatilvikumaWteljaaWupplUsingar O  semvtryggingamiWlaribyggiyfirumviWskiptamannsinnflliundirYagnarskyldu,nema K  atvik& a bentutilannars.TekinerafallurvafiumYaWkvWinuaWYagnarskyldaumtrn   aWarupplUsingartekurtilallraYeirrasemkomaaWstarfsemivtryggingamiWlara.   'a(@rrUm28.gr. wF   kvWiYettaersambrilegtkvWi12.gr.lagaumvtryggingastarfsemiYarsemkveWiW B erumaWvtryggingastarfsemiskulirekinsamrmiviWg;WaviWskiptahttiogvenjur   vtryggingaviWskiptum.01.mgr.8.gr.laganr.87/1998,umopinberteftirlitmeWfjrmla  starfsemi,erjafnframtfjallaWumaWFjrmlaeftirlitiWskulim.a.fylgjastmeWYvaWstarfsemi r eftirlitsskyldraaWilassamrmiviWheilbrigWaogeWlilegaviWskiptahtti.ViWskUringu n= YvhvaWfelisthugtkunumeWlilegirogheilbrigWirviWskiptahttirogvenjurverWurbWi 9 litiWtilfyrirmlasemleiWirafsettumlgumogeinsalmennrasiWareglnaogviWtekinnavenja  vtryggingastarfsemi.XgetakvWireglugerWa,reglnaogtilmlaFjrmlaeftirlitsinsveitt  leiWbeiningu. i @rrUm29.gr. 0   0greininnierkveWiWumaWviWskiptarWherrahafiheimildtilaWkveWannarumstarf  semivtryggingamiWlarareglugerW.XrfnnarireglumlUturfyrstogfremstaWnnari  tfrslureglumervarWayfirsUnvtryggingamiWlarayfirreksturinnogstrfvtrygginga `  slumanna. \+! @UmVI.kafla. #   0kaflanumerukvWiumupplUsingaskylduvtryggingamiWlara.030.gr.erfjallaWum  $ upplUsingarsemveitaberviWgerWogendurnUjunvtryggingarsamnings.031.gr.erkveWiW !W% umaWveitaberirkstuWningvegnarWgjafar.032.gr.erureglurumendurgjaldviWmiWlun S""& vtrygginga.Xer33.gr.fjallaWumhvaWaformiupplUsingarnarskuliveita.0kaflanum #' eruinnleiddkvWi12.og13.gr.tilskipunarinnar. #(   0samrmiviW3.og4.mgr.1.gr.takakvWiYessakaflaekkitilstarfsemiendurtrygg $ ) ingamiWlaraeWaYegarummiWlunst;rhttueraWrWa. %N!* @rrUm30.gr. '",   0kvWinueraWfinnareglurumhvaWaupplUsingarskuliaWlgmarkiveitavntanlegum '#- vtryggingartakaviWgerWvtryggingarsamnings.SmuupplUsingarskaljafnframtveitaviW 1 breytinguhanseWaendurnUjun.    kvWitilskipunarinnarumupplUsingaskylduerueinafmeginatriWumtilskipunarinnar,  entilgangurreglnannaeraWviWskiptamennfingilegarupplUsingarWurenYeirverWa a bundnirafvtryggingarsamningioggetiYannigtekiWupplUstakvrWun. ],   VtryggingamiWlaraberaWveitaviWskiptamanniupplUsingarsamkvmtgreininniWuren ( vtryggingarsamningurergerWur.EkkierutiltekinneintmamrkhvaWYettavarWar,en  skilegteraWupplUsingarsuveittarstraxupphafiYarsemviWskiptamaWurverWuraWhafa   haftmguleikatilaWmetaupplUsingarsemhannfrhendur.  X   XrupplUsingarsemvtryggingamiWlaraberaWveitaerufyrstalagiupplUsingarumnafn T #  ogheimilisfang.0WrulagihvarvtryggingamiWlarierskrWuroghverniggangamegir    skuggaumskrninguna.0YriWjalagiskalhanngreinafrYvhvortrWgjferveittgrund    vellia-eWab-liWar1.tlul.3.gr.,Y.e.hvortrWgjfbyggisthlutlausrigreiningueWatak   markistviWeitteWafleirivtryggingaflg.Xkemurfram3.mgr.aWefrWgjferveitt O  grundvellib-liWarskuliviWskiptamaWurupplUsturumheitivtryggingaflaganna.0fj;rWalagi K  skalveitaupplUsingarumhvortvtryggingamiWlarieigivirkanhlutvtryggingaflagiog   fimmtalagihvortvtryggingaflageWam;Wurflagvtryggingaflagseigivirkaneignarhlut   vtryggingamiWlara.HugtakiWvirkureignarhluturerskilgreint11.tlul.3.gr.0sjttalagi {  skalveitaupplUsingarumendurgjaldskv.32.gr. wF   04.mgr.eraWfinnareglutilrttingarumaWupplUsingaskyldasemlgumsamkvmt B hvlirvtryggingaflagihvlivtryggingamiWlaraeftirYvsemviWgeturtt.ErukvWi   umupplUsingaskyldunVI.kaflalagaumvtryggingastarfsemi,auklagaumvtryggingar  samninga.0nUjumlgumumvtryggingarsamninga,nr.30/2004,semtakagildi1.janar r 2006erjafnframtaWfinnatarlegkvWiumupplUsingaskyldu.0Yeimlgumertildmis n= gertrWfyriraWvntanlegurvtryggingartakiskuliviWtkuvtryggingarupplUsturumY 9 aWilasemhafameWhndumYj;nustuvegnakvrtunar-oggreiningsmlaertengjast  vtryggingarsamningum,svoogumrtthlutaWeiganditilaWskj;tamlumtild;mst;la.  Ѐ@rrUm31.gr. e4   0greininni,semernUmli,ermltfyrirumaWvtryggingamiWlariskuliWurenvtrygg 0 ingarsamningurergerWurveitavntanlegumvtryggingartakarkstuWningfyrirrWgjfsem  veitter.MeWgreininnierinnleittkvWi2.mgr.12.gr.tilskipunarinnar.GreininernauWsyn  legvntanlegumvtryggingartkumtilaWYeirgetiWfyllilegalagtmatrWgjfvtrygg `  ingamiWlaraogmikilvgviWb;tviWYneytendaverndsemfrumvarpiWfelursr. \+! @rrUm32.gr. #   0kvWinueraWfinnareglurumendurgjaldvtryggingamiWlaraogskylduhanstilaWupp  $ lUsavntanleganvtryggingartakaumfjrhWYessendurgjaldssemvtryggingamiWlariinn !W% heimtirfyrirYj;nustusna.082.gr.lagaumvtryggingastarfsemi,2.mgr.17.gr.ngildandi S""& reglugerWarummiWlunvtrygginga,svoogleiWbeinanditilmlumFjrmlaeftirlitsum #' starfshttivtryggingamiWlara,ergertrWfyriraWvekjaskuliathyglivntanlegravtrygg #( ingartakarttitilaWfupplUsingarumY;knun.0frumvarpinuerlgWtilefnislegbreyting $ ) gildandikvWumYttaWvtryggingamiWlariskulillumtilvikumupplUsaumendur %N!* gjald.ErYaWsamaleiWogmrgEvr;purkihafavaliW.UpplUsingarumendurgjaldoghver J&"+ skuligreiWaYaW,viWskiptamaWureWavtryggingaflag,erumikilvgtatriWimativntanlegs '", vtryggingartakastrfumvtryggingamiWlaratildmisYvtilboWiumvtryggingusem '#- vtryggingamiWlarihefuraflaW.XanniggeturYaWskiptmlifyrirvtryggingartakaviWmat 1 tilboWumaWhafaupplUsingarumaWvtryggingamiWlarifi10%Y;knunfreinuv  tryggingaflagannaen15%frWru.AlgengteraWendurgjaldvtryggingamiWlarasgreitt  afvtryggingaflgumY;frsthafivxtaWendurgjaldsgreittafviWskiptamnnum, a vtryggingartkum.VegnahneykslismlsertengistendurgjaldivtryggingamiWlara,semkom ], uppBankarkjunumogteygWiangasnatilnokkurraEvr;purkja,hyggjasteinhverrki ( Evr;pusambandsinsbannaaWvtryggingaflggreiWiY;knunvtryggingamiWlara.EkkiYykir  stWatilaWgangasvolangt,enrttaWkveWaumaWvalltskuliupplUstumendurgjald.     0ngildandilgumhafaviWskiptamennrttaWfupplUsingarumendurgjaldsemv  X tryggingamiWlariYiggurvegnaviWskiptanna;skiYeireftirYvogbervtryggingamiWlaraaW T #  vekjaathygliviWkomandiYeimrtti.EkkiergertrWfyriraWkvWiWhafifrmeWsr    breytinguYeimupplUsingumsemvtryggingamiWlariveitirumendurgjaldiW.Endurgjald    semvtryggingamiWlararYiggjafyriraWkomavtryggingarsamningierbreytilegteftir   vtryggingaflgum,vtryggingagreinumogsamningstma.0kveWnumtilvikumerendur O  gjaldiWeinfaltYarsemgreidderkveWinpr;sentaafiWgjaldienWrumtilvikumerum K  fl;knaritreikningrWa.XeroftumaWrWaaWvtryggingamiWlaraberiaWendurgreiWa   tiltekiWhlutfallafendurgjaldifallivtryggingarsamningurrgildi.GeraverWurrWfyriraW   YegarvtryggingamiWlarivitiupplUsingarumendurgjaldmunihanngreinaviWskiptamanni {  meWeinfldumhttifrendurgjaldinusemhannYiggurviWgerWvtryggingarsamningsins, wF tildmisaWhannhlj;titilteknapr;sentuafiWgjaldiupphafiogaWendurgjaldiWshW B gildistmavtryggingarsamningsins.XberihonumaWendurgreiWahlutfallafendurgjaldinu   fallivtryggingarsamningurrgildiWurensamningstminnerliWinn.VarWandiYaWhversu  tarlegarupplUsingarumendurgjaldskulivera,beraWhafahugaaWtilgangurinnmeWupp r lUsingaskyldunniersaWviWskiptamaWurgetimeWhlutlgumhttimetiWYautilboWsem n= vtryggingamiWlarihefuraflaWviWundirbningaWgerWvtryggingarsamnings. 9 @rrUm33.gr.    0greininnierureglurumYaWhvaWaformivtryggingamiWlariskuliveitaupplUsingar i samkvmtlgunum.kvWigreinarinnarerubyggW13.gr.tilskipunarinnar. e4   01.mgr.erkveWiWumaWvtryggingamiWlariskuliveitaupplUsingarsamkvmtkaflan 0 umskriflegaeWaWrumvaranlegummiWli.Samkvmtskilgreiningu3.gr.frumvarpsinser  varanlegurmiWill,aukpapprs,srhverttkisemgerirviWskiptamannikleiftaWgeyma  upplUsingarsembeintertilhanspers;nulega,YannhttaWhgtsaWnlgastYrtilaW `  flettauppYeimsWar,hfilegantmaeftirtilgangiupplUsingannaogsemgerirkleiftaW \+! afritaupplUsingarnarsemgeymdareru;breyttarogvsasttilumfjllunarathugasemdumviW '" 3.gr.UpplUsingarnarskuluveittarskUranognkvmanhttsemerviWskiptamanni # skiljanlegurslenskueWaWrutungumlisembWiraWilarhafasamYykkt.  $   02.mgr.erkveWiWumaWYrttfyrirkvWi1.mgr.sheimiltaWveitaupplUsingar !W% munnlegaYegarvtryggingartakihefur;skaWYesssrstaklegaeWavtryggingarverndarer S""& YrfYegarstaW.0slkumtilvikumergertrWfyriraWupplUsingarskv.1.mgr.suveittar #' YegarstaWeftirgerWvtryggingarsamningsins. #(   03.mgr.kemurframaWefvtryggingumermiWlaWsmsluskuliveitaupplUsingarskv. $ ) 9.gr.frumvarpstillagaumfjarslufjrmlaYj;nustu,semvntanlegaverWuraWlgum %N!* 131.lggjafarYingi,engreininvarWarupplUsingarsemveitaskalviWslueWamarkaWs J&"+ setningusma.SamkvmtYvkvWiskalupphafismtalsgreinanafnYesssemhringir, '", nafnYj;nustuveitandaogaWtilgangursmtalsinssviWskiptalegseWlis.Xskalveitaupp '#- lUsingarumeinkennifjrmlaYj;nustunnar,umheildarverWaWmeWtldumY;knunum,kostn 1 aWi,tgjldumogskttumeWagrundvllfyrirtreikningiverWs,efekkierunntaWgefaupp  nkvmtverW.EinnigskalveitaupplUsingarumrtttilaWfallafrsamningiogalltsem  nUtinguslksrttartengist.XegareftirgerWvtryggingarsamningsskalvtryggingamiWlari a veitaupplUsingarskv.1.mgr.kvWisins. ], @UmVII.kafla.    0kaflanumerfjallaWumafturkllunoginnlgnstarfsleyfis.kvWikaflanseruaWmestu   efnislega;breyttfrgildandilgumogreglum.034.gr.eraWfinnaalmennaregluumstW  X urafturkllunar.035.gr.erureglurumtilkynningarumafturkllunstarfsleyfis.Xeru36. T #  gr.regluruminnlgnstarfsleyfis.    & a @rrUm34.gr.     0greininnierutalinupphelstutilviksemleittgetatilafturkllunarstarfsleyfisvtrygg O  ingamiWlara.Lagtertil1.mgr.aWumsaWrWaheimildFjrmlaeftirlitsinstilaWaftur'a >kalla K  starfsleyfi,fremurenskyldu.stWanersaWafturkllunerYyngjandistj;rnvaldskvrWun   semvelturmatiogerYveWlilegtaW_FjrmlaeftirlitiW_ԀhafisvigrmtilaWmetahvortbeitt   skuliafturklluneWaWrumvgarirrWum.kvWi1.mgr.eruaWmestusamrmiviW {  ngildandikvWilagaogreglugerWarummiWlunvtryggingar. wF   Xer2.mgr.gertrWfyriraWWurentilafturkllunarkomiskuliveitahfileganfrest B tilrb;ta,sYaWunntaWmatiFjrmlaeftirlitsins.ErYaWsamrmiviWhinaalmennumeWal   h;fsreglustj;rnsUslurttarinsaWveitaslkanfresttilrb;ta.X;kunnaaWverafyrirhendiYr  aWstWuraWfresturgetileitttiltj;ns,t.d.fyrirviWskiptamennvtryggingamiWlara,aukYess r semfresturtilrb;taekkiviWaWstWursamkvmtsumumtluliWa1.mgr.GeturYvekki n= veriWumfortakslausanrttvtryggingamiWlaraaWrWahvaWYettasnertir. 9 @rrUm35.gr.    0kvWinueraWfinnareglurerltaaWtilkynningumumafturkllunstarfsleyfis,enlagt i ertilaWafturkllunskulitilkynnafyrirsvarsmannieWastj;rnvtryggingamiWlaraogaWaftur e4 kllunskulirkstudd.XergertrWfyriraWbirtstilkynningumafturkllunLgbirtinga 0 blaWinuogfjlmiWlum.LUturslkopinbertilkynningaWneytendaverndarsj;narmiWum.Xer  jafnframtlagttilaWefvtryggingamiWlaristarfrkirtibeWaveitirYj;nustustarfsemiWru  aWildarrkiskulieftirlitsstj;rnvldumYessrkistilkynntumafturkllunina. `  @rrUm36.gr. '"   0greininnieraWfinnareglurervarWainnlgnstarfsleyfisaffsumogfrjlsumvilja.Er # greininnilagttilaWefvtryggingamiWlaristundarekkilengursjlfstWastarfsemieWastarf  $ arekkilengurhjvtryggingamiWlaraskulihannleggjainnstarfsleyfisitt.Slktmundiv !W% tryggingamiWlariflestumtilvikumgeraumleiWoghannhttirstarfsemiYarsemstarfs S""& byrgWartryggingarerukostnaWarsamar,envtryggingamiWlaraerekkiheimiltaWsegjaupp #' starfsbyrgWartryggingufyrrenFjrmlaeftirlitiWhefurstaWfestinnlgnstarfsleyfis. #(   02.mgr.eraWfinnanUmliYarsemsskyldaerlgWvtryggingamiWlaraaWgeraviW $ ) eigandirWstafanirtilaWtryggjarttarstWuviWskiptamannasinnaogleitastviWaWfannan %N!* tilYessbranaWilatilaWtakaaWsraWYj;nustaYvtryggingarsamningasemkomiWhefur J&"+ veriW.GeraskalFjrmlaeftirlitinugreinfyrirslkumrWstfunum.XykirrttaWmlafyrir '", umslkahttsemilgumenreglanersamrmiviWYrkrfursemFjrmlaeftirlitiWgerir '#- tilvtryggingamiWlarahyggistYeirleggjainnstarfsleyfi.XergertrWfyriraWvtrygginga 1 miWlariupplUsiviWskiptamennogvtryggingaflguminnlgnstarfsleyfisins.EruYessar  reglurfallnartilYessaWviWskiptamennverWiekkifyrirtj;ni,aukYessaWdragar;vissuviW  skiptamannaervtryggingamiWlarihttirstrfum. a   GerterrWfyrirmeWsamahttiognergertaWFjrmlaeftirlitiWbirtitilkynninguum ], innlgnstarfsleyfisaukYesssemfellaskalnafnvtryggingamiWlaratafvtryggingamiWlara ( skr.    05.mgr.erkveWiWumhvernigfaraskulimeWbeiWniaWilasemlagthefurinnstarfsleyfi   sittaWhefjastarfseminUjanleik.FerumslkabeiWnisemnUjaums;knumstarfsleyfiog  X ferumafgreiWsluhennareftirkvWumII.kafla.ErYessireglaefnislega;breyttfrngild T #  andireglum.    @UmVIII.kafla.     0kaflanumeraWfinnakvWierltaaWtilkynningumogumskilggnumtilFjrmla O  eftirlitsins.037.gr.erureglurerltaaWskilumrsreikningsog38.gr.erureglurervarWa K  tilkynninguumframkomnaskaWab;takrfu.   @rrUm37.gr. {    0greininnierkveWiWumskylduvtryggingamiWlaratilaWsendaFjrmlaeftirlitinu wF endurskoWaWanrsreikning.SkalrsreikningiskilaWeigisWarenfj;rummnuWumeftirlok B reikningsrsins.SkyldaYessihvlirllumvtryggingamiWlurum,hvortheldurstarfsemin   errekinsemeinkafyrirtkieWahlutaflagsformi.Greininerefnislegasamhlj;Wa22.gr.  reglugerWarummiWlunvtrygginga. r @rrUm38.gr. 9   kvWiWlUturaWeftirlitshlutverkiFjrmlaeftirlitsinsogkveWurumaWFjrmlaeftir  litinuskulitilkynntumYaWkomiframskaWab;takrfurvegnastarfavtryggingamiWlara.  GreintskalfrefniogfjrhWkrfunnar.SambrilegtkvWier24.gr.reglugerWarum i miWlunvtrygginga. e4 @UmIX.kafla.    0kaflanumeraWfinnareglurerltaaWskrninguvtryggingaumboWsmannahjvtrygg  ingaflagi.EinsogvikiWhefurveriWaWernUmliaWvtryggingaumboWsmennYarfnist `  srstakrarskrningarWurenYeirgetahafiWstrf.ErkrafaumskrningusamrmiviW \+! kvWitilskipunarinnar,m.a.3.gr.hennar.kvWikaflanseruefnislegasamhlj;WakvW '" umervarWastarfsleyfivtryggingamiWlaraeftirYvsemviW.039.gr.eraWfinnakvWier # ltaaWskrninguvtryggingaumboWsmanna.040.gr.erkveWiWumskilyrWislkrar  $ skrningar.UmheitivtryggingaumboWsmannaerfjallaW41.gr.ogtakmarkanirstarfsemi !W% 42.gr.043.gr.erkveWiWheimildvtryggingaumboWsmannatilviWtkufjrmuna.Loks S""& er44.gr.aWfinnareglurerltaaWskyldutilaWhaldavrslufjrreikninga. #' @rrUm39.gr. $ ) Ѐ  0greininnierkveWiWumaWWurenvtryggingaumboWsmannierheimiltaWhefjamiWlun %N!* vtryggingafyrirhndvtryggingaflagsskuliflagiWskrviWkomandi.GerterrWfyriraW J&"+ almenningisheimillaWganguraWupplUsingumumskrWavtryggingaumboWsmennhjviW '", komandivtryggingaflagi.MeWgreininnierlgWtilinnleiWing1.og2.mgr.3.gr.tilskip '#- unarinnar.HugtakiWvtryggingaumboWsmaWurerskilgreint3.gr.semeinstaklingureWa 1 lgaWilisemgrundvellisamningsstundarYstarfsemiaWkynna,bj;WaframeWaundirba  meWWrumhttisamningumvtryggingu,aWkomaslkumsamningieWaaWstoWaviWfram  kvmdslkrasamninga,vegumeinseWafleirivtryggingaflagaogYeirrabyrgWgegn a endurgjaldi.ValinvarsleiWaWskrningvtryggingaumboWsmannaverWihjhverjuogeinu ], vtryggingaflagiogbyrgWlgWYauaWgangarskuggaumaWhfisreglursuuppfylltar. ( FjrmlaeftirlitiWhefurheimildtilaWkallaeftirupplUsingumumskrningarYegarYurfa  Yykir,grundvellikvWafrumvarpsinsoglagaumopinberteftirlitmeWfjrmlastarfsemi.     & a LagtertilaWvtryggingaumboWsmaWurgetihafiWstrfYegarhannhefurveriWskrWurhj  X vtryggingaflagi.XskalfellaviWkomandivtryggingaumboWsmanntafskrhttihann T #  aWmiWlavtryggingumvegumvtryggingaflagsins.'a  A^O "   O  FjrmlarWuneyti,   fjrlagaskrifstofa:     UmsgnumfrumvarptillagaummiWlunvtrygginga.  wF   MeWfrumvarpinuerlgWtilinnleiWingtilskipunEvr;pusambandsinsogrWsinsnr. B 2002/92/EBfr9.desember2002,ummiWlunvtrygginga.EitthelstamarkmiWtilskipun   arinnareraWafnemahindranirYvaWvtryggingamiWlarargetistundaWstarfsemisna  ;hindraWEvr;pskaefnahagssvWinu.EnnfremurertilskipuninnistefntaWaukinnineyt r endavernd,m.a.meWYvaWsetjastrangarikrfurumstarfsemivtryggingamiWlaraogmla n= fyrirumauknaupplUsingagjftilneytenda. 9   EkkiverWursWaWfrumvarpiWhafihriftgjldrkissj;WsverWiYaW;breyttaWlgum.