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TilgangurlagafrumvarpsYessaerinnleiWingtilskipunar2005/14/EBumbreytingutil  skipunum72/166/EBE,84/5/EBE,88/357/EBEog90/232/EBEogtilskipun2000/26/EBum a '(byrgWartrygginguvegnanotkunarvlkninnakutkja(fimmtutilskipunumkutkja T, tryggingar).TilskipuninvartekinuppsamninginnumEvr;pskaefnahagssvWiWmeW  kvrWunsameiginleguEES-nefndarinnarnr.867.jl2006.Samkvmt6.gr.tilskipun  arinnarttihnaWhafaveriWinnleiddeigisWaren11.jn2007.     0tilskipuninnierukvWisemgeraauknarkrfurumverndtj;nYolasemverWafyrirtj;ni  X afvldumvlkninskutkis.GildandislensklggjfuppfyllirYegarhlutaYessarakrafna. K #  0frumvarpinuerueingngutillgurumlagabreytingarsemerunauWsynlegartilaWaWrir    hlutartilskipunarinnarverWiinnleiddir.      0frumvarpinuerukvWisemveitarWherraheimildtilaWsetjannarireglurYeimtil   gangiaWuppfyllakrfurtilskipunarinnar.0kjlfarsamYykktarfrumvarpsinsmunuverWa wO  breytingarreglugerWumgrundvelliYeirralagaheimildaogheimildangildandilgum. B   2.0  Fimmtatilskipuninumkutkjatryggingar.     MarkmiWfimmtutilskipunareraWaukaverndtj;nYolasemverWafyrirtj;niafvldum {  vlkninskutkis.MeWhliWsj;nafYverutilskipuninnigerWarbreytingarfyrritilskip nF unumumkutkjatryggingarsemm.a.eigaaWstuWlaaWskUrariskilgreiningumogleysa 9 vandamlsemuppkomaframkvmdYvaugnamiWiaWtryggjavirkariinnrimarkaWfyrir  kutkjatryggingar.    Tilskipuninkemurframhaldiafogbreytirfj;rumfyrritilskipunumumkutkjatrygg r ingar:72/166/EBE(fyrstutilskipun)84/5/EBE(annarritilskipun),90/232/EBE(YriWjutil e= skipun)og2000/26/EB(fj;rWutilskipun)ogjafnframttilskipun88/357/EBE(annarriskaWa 0 tryggingatilskipun)semallarhafaveriWinnleiddarslenskanrtt.    Meginefnitilskipunarinnarer:   ikmo(}x0"i(m"  i(m 2}!3  Ԉ0    LgmarksverndlgmltrarbyrgWartryggingarvegnalkamstj;nsskalvera1millj;n i evravegnahverstj;nYolaeWa5millj;nirevra;hWfjldatj;nYolaogvegnamunatj;ns \4 1millj;nevra;hWfjldatj;nYola.LgmarksfjrhWirskuluendurskoWaWarfimmta ' hvertrmeWhliWsj;nafbreytingumsemverWaevr;pskuneytendavsitlunni.i(m ݌ Ќ  "i(m"  i(mq" 2}!3  Ԉ0    VtryggingartakiskalgetafengiWhjvtryggingaflagi?tj;nsvottorW meWupplUsing  umumhugsanlegarskaWab;takrfursemvarWavtryggtkutkieWaaWekkisum `  slkarkrfuraWrWa.i(mq""݌S+! Ќ  "i(m"  i(mH$ 2}!3  Ԉ0    Reglurfj;rWutilskipunarumrkstutttilboWumbtureWarkstuttsvartiltj;nYolaskulu " gildaumsrhverttj;nsatviksemvaldiWerafbyrgWartryggWukutkiogtiltj;nasem # afgreidderuaflandsskrifstofumalYj;WlegrabifreiWatrygginga.i(mH$u$݌ $ Ќ  "i(m"  i(mW& 2}!3  Ԉ0    UpplUsingamiWstWaWildarrkiskalskyltaWveitaupplUsingarumfleiriatriWiogtil !W% breiWarih;pseinstaklingaoglgaWilaenmlterfyrirumfj;rWutilskipun.i(mW&&݌J""& Ќ  "i(m"  i(m' 2}!3  Ԉ0    AWildarrkiskalekkiheimiltaWkrefjastgrnskortseWatkulandamravtryggingar #' vegnaerlendrakutkjasemeruundanYeginvtryggingarskyldu.i(m',(݌#( Ќ  "i(m"  i(m~) 2}!3  Ԉ0    EfbyrgWaraWiligreiWirbturfyrirverulegtlkamstj;nafvldum;Yekktskutkisskal $ ) ekkilengurverahgtsamamliaWundanYiggjahanngreiWslub;tavegnamunatj;ns.i(m~))݌v%N!* Ќ  "i(m"  i(m)+ 2}!3  Ԉ0    BrtaksknnunsemvarWarbyrgWartryggingukutkisskalframkvmdnmismununar A&"+  ogknnuninmekkieingnguvarWahvortvtryggingarskyldansuppfyllt.i(m)+V+݌ '", Ќ  "i(m"  i(m, 2}!3  Ԉ0    Ekki& a  skalheimiltbyrgWartrygginguaWundanskiljabyrgWvegnatj;nsfarYega ( vlknnukutkimeWYeimrkumaWYeirhafivitaWeWamttvitaumlvunkumanns.i(m,,݌ Ќ  'a(@-"i(m"  i(m. 2}!3  Ԉ0    byrgWartryggingkutkjaskalbtalkamstj;nogmunatj;nf;tgangandimanna,hj;l  reiWamannaogannarravegfarendautanvlkninskutkis.i(m..݌a Ќ  "i(m "  i(m0 2}!3  Ԉ0    byrgWartryggingkutkjaskalgildallumaWildarrkjumEvr;pskaefnahagssvW T, isins(EES)ogFrverslunarsamtakaEvr;pu(EFTA)!einnigY;ttkutkisskemmri  eWalengritmastaWsettWruaWildarrki.i(m0.0݌ Ќ  "i(m "  i(m1 2}!3  Ԉ0    VtryggingaflagiskalekkiheimiltaWberaviWeiginhttugagnvarttj;nYolaogtj;n   YoliskaleigarttaWbeinakrfusinnibeinttilvtryggingaflags.i(m12݌ X Ќ  "i(m "  i(m}3 2}!3  Ԉ0    byrgWaraWilasemgreiWirbturvegnatj;nsafvldum;YekktraeWa;vtryggWraku K #  tkjaskalekkiheimiltaWberaviWeiginhttuYegar;vtryggtkutkiveldurmuna    tj;ni.i(m}33݌   Ќ  "i(m "  i(mK5 2}!3  Ԉ0    HeimiltervtryggingaflagiaWfelatibisnueWad;tturflagiWruaWildarrkiaW   veratj;nsuppgjrsfulltrivegnastarfsemiflagsinskutkjatryggingum.i(mK5x5݌wO  Ќ  2.1.kvWifimmtutilskipunarsemleiWatillagabreytinga.     2.1.1.SkyldatilaWgefatj;nsvottorW.   2.1.1.1.Efnitilskipunar. {    04.mgr.4.gr.fimmtutilskipunarermltfyrirumbreytingukvWiYriWjutilskipun nF YessefnisaWvtryggingartakiskulihvenrsemereigarttaW;skaeftiryfirlUsingu(vott 9 orWi)frvtryggingaflagiumskaWab;takrfursemvarWavtryggtkutkieWaumaWekki  sumslkarkrfuraWrWa.YfirlUsinginskalntilfimmraogvtryggingartakinnskalf  yfirlUsingunahendurinnan15dagafrYvhannsettiframbeiWniYaraWltandi.XaWkemur r framaWfaraorWumtilskipunarinnar(19)aWrkinfyrirkvWinusuYauaWaWili,sem;skar e= eftiraWkaupanUjavtrygginguWruvtryggingaflagi,eigiaWhafamguleikaYvaW 0 frasnnurtj;nasgukutkisinssamkvmtfyrrivtryggingarsamningi.  2.1.1.2.Tillgurfrumvarpsins. i   Samkvmt1.mgr.94.gr.umferWarlagaseturviWskiptarWherrareglurumframkvmd \4 vtryggingarskyldunnar,YarmeWalumskylduvtryggingaflagatilaWtakaYttgagn ' kvmubyrgWarkerfivegnatj;naafvldum;vtryggWraog;Yekktrakutkja.Lagtertil  aWYessiheimildverWirUmkuWYannigaWrWherragetisettreglurumskylduvtrygginga  flagatilaWgefavottorWmeWupplUsingumumskaWab;takrfursemvarWavtryggtkutki `  eWaaWekkisumslkarkrfuraWrWa.grundvelliYeirrarheimildarersWanunntaWsetja S+! reglurumvottorWagjfinareglugerWnr.392/2003umlgmltarkutkjatryggingar. " 2.1.2.SkyldaupplUsingamiWstWvartilaWmiWlagrundvallarupplUsingum.  $ 2.1.2.1.Efnitilskipunar. !W%   05.mgr.4.gr.fimmtutilskipunarerkveWiWumbreytingu3tilskipun(1.mgr.5.gr.), J""& umaWupplUsingamiWstW,semviWurkenndersamrmiviW4.tilskipun(0slandiAlYj;W #' legarbifreiWatryggingarsf.),skuliveitaupplUsingar,semnefndarerutilskipuninni,tilsr #( hverssemtthefurhlutaWumferWarslysisemvtryggtkutkiveldur.XarmeWerfelltniWur $ ) skilyrWiWumaWtj;niWskulihafaorWiWWrurkienheimarkitj;nYola. v%N!*   Fimmtakutkjatilskipunin,4.mgr.5.gr.,mlirfyrirumauknamguleikaaWgangi A&"+ tj;nYola,vtryggingaflagshanseWalgmannsaWgrundvallarupplUsingumsemerunauW  '", synlegarfyrirmeWferWtj;namls.TilskiliWeraWYessarupplUsingarskulirkummliliggja '#- fyrirrafrnuformimiWlgriskrhverjuaWildarrkiogveraaWgengilegarYeimaWilum ( mlssemumYrbiWja.    TilgrundvallarupplUsingamteljaupplUsingarumskrningarnmerkutkis,hvernig  vtrygginguerhttaW(vtryggingaflagogskrteinisnmer),nfnogheimilisfng,sma a nmerYeirrasemhluteigaaWmliogtj;nsstaWsamtupplUsingumlgregluskUrslueWa T, tj;nstilkynninguumaWdragandatj;nsatviksogtj;nsuppdrtt.    kvWi5.mgr.4.gr.og4.mgr.5.gr.fimmtutilskipunarfelaYannigsraWupplUs  ingamiWstWaWveitaupplUsingarumfleiriatriWieneftirgildanditilskipunum,upplUs   ingarnarskuluveittarbreiWarih;piogaWlokumerkrafaumaWupplUsingarnareigirkum  X mliaWverafyrirliggjandirafrnuformi. K #  2.1.2.2.Tillagafrumvarpsins.      Samkvmt1.mgr.94.gr.bumferWarlagaskalrWherraviWurkennaupplUsingamiWstW   tilaWaWstoWaviWflunupplUsingaumvlkniWkutkisemvaldiWhefurtj;niogvtrygg wO  inguYess.AlYj;WlegarbifreiWatryggingar0slandisf.(AB0)hafaveriWviWurkenndarsem B  upplUsingamiWstW,sbr.21.gr.reglugerWarumlgmltarkutkjatryggingarnr.392/2003.    Samkvmt2.mgr.94.gr.bgeturrWherrasettnnarireglurumstarfsemiupplUsingamiW   stWvarinnarogumskylduvtryggingaflagaogtj;nsuppgjrsfulltraskv.3.mgr.94.gr. {  atilaWltaupplUsingamiWstWskv.1.mgr.ogupplUsingaskrifstofumWrumEES-eWa nF EFTA-rkjumtupplUsingar.LgWertilbreyting1.og2.mgr.94.gr.bmeWtillititilYess 9 aWfimmtakutkjatilskipuningerirrWfyriraWveittarsuupplUsingarumfleiriatriWien  umkutkiWogvtrygginguYess.    AWganguraWupplUsingumfrupplUsingamiWstWinniersamkvmtgildandislenskum r rttihWurYvskilyrWiaWtj;niWhafiorWiWWrulandienheimalanditj;nYola,sbr.c-liW1. e= mgr.94.gr.bumferWarlaga.XaWkvWierYvekkisamrmiviWkvWifimmtutilskip 0 unarinnarogerYvlgWtilbreytingYv.  2.1.3.Starfsheimildirtj;nsuppgjrsfulltra. i 2.1.3.1.Efnitilskipunar. \4   03.gr.fimmtutilskipunarerkveWiWumbreytinguannarriskaWatryggingatilskipuninni ' (88/357/EBE).NiWurerfelld4.mgr.12.gr.a(4)tilskipunarinnar.BreytinginfelursraW  vtryggingaflaggeturnotaWtibsitteWad;tturflagsemervtryggingaflagWruaW  ildarrkisemtj;nsuppgjrsfulltravegnastarfsemiflagsinskutkjatryggingum. `  2.1.3.2.Tillgurfrumvarpsins. "   05.mgr.65.gr.laganr.60/1994,umvtryggingastarfsemi,erkveWiWumhvertshlut # verktj;nsuppgjrsfulltraerlendsvtryggingaflags.Skaltj;nsuppgjrsfulltrinnaflaallra  $ nauWsynlegragagnavegnatj;nsoghafaallarheimildirtilaWgreiWabturogkomaframfyrir !W% hndflagsinshrlandi.HonumskaleinnigskyltaWveitalgbrumaWilumhrlandi J""& upplUsingarumhvortlgmltarkutkjatryggingarsufyrirhendiogumgildistma.04. #' mlsl.5.mgr.segiraWfulltrinnhafiekkimeWhndumnnurverkefnifyrirflagiWen #( mlsgreininnisegir.LagtertilaW4.mlsl.5.mgr.65.gr.verWifelldurniWur. $ )   v%N!*  &   2.2.0  kvWitilskipunarinnarsemekkikrefjastbreytingagildandirttiogkvWisem ( unnteraWinnleiWameWstj;rnvaldskvrWun.  2.2.1.SkyldaaWildarrkjatilaWkrefjastvtryggingar.    aWildarrkjumhvlirskv.1.mgr.3.gr.fyrstukutkjatilskipunarskyldatilaWgera a rWstafanirtilYessaWtryggjaaWssemberbyrgWkutkisemaWllujfnuer'(=UstaWsett T, yfirrWasvWiYessrkishafigildavtryggingu.    01.gr.fimmtutilskipunarerkvWisemfelursrnnariskilgreininguYvsvWisem  kutkitelstaWllujfnustaWsett.SamkvmtkvWinuskalkutkitaliWstaWsett   yfirrWasvWiYessrkissemgaftskrningarmerkisemYaWber,hvortsemumeraWrWa  X varanlegeWaskammtmaskrningarmerki. K #    XaWertekiWframaWfaraorWumtilskipunarinnar(4)aWskilgreiningineigiaWkomaveg    fyrirrangatlkunkvWifyrstukutkjatilskipunarogauWveldavtryggingukutkjum    meWskammtmaskrningarnmer.     XaWleiWiraf63.gr.umferWarlagaaWkutkiskuliskrWogskrningarmerkisettYaW wO  WurenYaWertekiWnotkun.Samkvmt33.gr.reglugerWarnr.751/2003umskrninguku B  tkja,sbr.reglugerWnr.506/2005,erY;heimilttilgreindumtilvikumaWmerkjakutki    tmabundiW.01.mgr.91.gr.umferWarlagasegiraWgreiWslab;takrfuvegnatj;nssemhlUst   afnotkunskrningarskyldsvlkninskutkisskuliveratryggWmeWbyrgWartrygginguog {  aWvtryggingaflagisskyltaWtakaaWsrlgmltabyrgWartryggingufyrirvtryggingar nF skyldanaWila,sbr.1.gr.reglugerWarumkutkjatryggingar. 9   ViWskrninguvlkninskutkisskalfrasnnuraWvtryggingarvegnakutkisins  sugildi,sbr.1.mgr.8.gr.reglugerWarumkutkjatryggingar.SamkvmtkvWi1.mgr.  3.gr.reglugerWarnr.751/2003skuluviWskrningukutkisogafhendinguskrningar r merkja,reynslumerkjaogskammtmaskrningarmerkjaliggjafyrirggnumvtryggingu e= Yess. 0   GildandireglurumskrninguogvtryggingukutkjakveWaYvumaWkutki,hvort  semYauerumeWvaranlegeWaskammtmaskrningarmerki,eruvtryggingarskyldogeftirlit  meWYvaWvtryggingarskyldansuppfyllt.0slenskurrtturuppfyllirYvkvWitilskip i unarinnar. \4 2.2.2.0  Bturfyrirtj;nsemvaldiWerafkutkjumsemerunskrningarmerkjaeWameW  flsuWeWa;lglegskrningarmerki.   0aWfaraorWumtilskipunarinnar(5)ervitnaWtilYessaWsamkvmtfyrstukutkjatilskip `  uninnisukutkimeWflsuWeWa;lglegskrningarmerkialmennttalintilheyraYvaW S+! ildarrkisemgaftupphaflegskrningarmerki.XessireglaleiWitilYessaWlandsskrifstofur " alYj;WlegrabifreiWatryggingasuoftneyddartilaWfjallaumfjrhagslegarafleiWingarslysa # semhafaengintengslviWYaWaWildarrkisemYrstarfa.  $   01.gr.fimmtutilskipunarernUttkvWi.KveWiWerumaWYegarkutkisemerun !W% skrningarmerkjaeWameWflsuWeWa;lglegskrningarmerkieigahlutaWtj;nsatvikiskuli J""& YaulitinheyraundiryfirrWasvWiaWildarrkisinsYarsemtj;nsatvikiWvarW.Breytingin #' felursraWlandsskrifstofaYvaWildarrkiYarsemumferWarslysverWuraWmeWhndla #( tj;namliWogeftiratvikumgreiWabturstaWinnfyrirlandsskrifstofuaWildarrkisemgaf $ ) tupphaflegskrningarmerkikutkisins. v%N!*   Samkvmt3.mgr.18.gr.reglugerWarumlgmltarkutkjatryggingargreiWaAlYj;W A&"+ legarbifreiWartryggingar0slandisf.(AB0)sembyrgWaraWilitj;nYolabturvegnatj;ns  '", atvikssemhlotisthefur0slandiafvldum;vtryggWskutkis.kutkinskrningar '#- merkjaeWameWflsuWeWa;lglegskrningarmerkieru;vtryggWkutki.XaWerYvsam ( kvmtslenskumrttiskyldaAB0aWgreiWabturfyrirtj;nsemvaldiWerafkutkin  skrningarmerkjaeWameWflsuWeWa;lglegskrningarmerki.0slenskurrtturuppfyllirYv  kvWitilskipunarinnar. a 2.2.3.EftirlitmeWaWvtryggingarskyldaerlendrakutkjasuppfyllt.    01.mgr.2.gr.fyrstukutkjatilskipunarinnarerkveWiWumaWeinstkaWildarrkimegi  ekkihafaeftirlitmeWYvaWkutkifrWrumaWildarrkjumhafilgboWnabyrgWartrygg   ingu.SamagildirsambandiviWkutkifrWrumrkjumsemakainnaWildarrkifrWru  X aWildarrki.XaWerY;heimiltaWframkvmartakseftirlit. K #    Fimmtatilskipunin,2.mgr.1.gr.,seturskilyrWifyrirheimildtilrtakseftirlits.KveWiWer    umaWeftirlitiWskuliframkvmtnmismununarogsemliWureftirlitisemvarWiekkiein    gngustaWfestinguaWvtryggingarskyldasuppfyllt.0aWfaraorWumtilskipunarinnar(6)   kemurframaWtilgangurinnsaWauWveldatlkunogbeitinguhugtaksins?rtakseftirlit  wO  fyrstukutkjatilskipuninni. B    Samkvmt66.gr.umferWarlagaseturrWherrareglurumnotkunerlendrakutkjahr    landi.XrreglurerureglugerWnr.267/1993umnotkunerlendrakutkjasamtsWari   breytingum. {    04.gr.reglugerWarnr.267/1993,sbr.reglugerWnr.391/2003,segiraWeftirlitmeWYvaW nF erlentkutki,semekiWshrlandi,uppfyllikrfurreglugerWarinnar,Y.m.t.hvortgildi 9 sbyrgWartryggingvegnaYess,skulifyrstogfremstbyggjastrtakseftirliti.Skulislkt  eftirlitfaraframbWiviWinnflutningkutkisogeftiraWnotkunYesserhafin.kvWitil  skipunarinnarkannaWgefatilefnitilnnariskilgreiningareftirlitsheimild4.gr.reglu r gerWarinnarYannigaWframkomiaW?rtakseftirlitiW skuliframkvmtsemliWuralmennu e= eftirlitisemekkieinskorWistviWkrfunaumlgboWnabyrgWartryggingu.Xessibreytinggti 0 orWiWmeWheimild66.gr.umferWarlaga.  2.2.4.AWilarundanYegnirvtryggingarskyldu. i   01.mgr.3.gr.fyrstutilskipunarerkveWiWumaWsrhvertaWildarrkiskuligeraallar \4 nauWsynlegarrWstafanirtilYessaWssemberbyrgWkutki,semaWllujfnuer ' staWsettyfirrWasvWiYessrkis,ognotkunYesshafigildavtryggingu.Tilskipuningerir  rWfyrirheimildtilundantekningafrYessarireglu,m.a.vegnatiltekinnaeinstaklingaeWa  lgaWila,opinberraeWaeinkaaWila. `    EfaWildarrkinotfrirsrheimildtilundantekningaerjafnframtfyrstukutkjatil S+! skipunmltfyrirumaWviWkomandiaWildarrkitryggiaWtj;nsemvaldiWerWrumaWildar " rkjumverWibtt. #   03.mgr.1.gr.fimmtutilskipunareraukinskyldalgWaWildarrkiaWtryggjatj;nYolum  $ bturfyrirtj;nsemvaldiWerafeinstaklingumoglgaWilumsemeruundanYegnirvtrygg !W% ingarskyldu.kvWitilskipunarinnarfelursrskyldutilaWtryggjaaWeinnigtj;nsemverWa J""& eiginyfirrWasvWiaWildarrkissubtt. #'   Samkvmt2.mgr.93.gr.umferWarlagaereigiskyltaWkaupavtrygginguvegnaku #( tkiseigurkissj;Ws.Samkvmt3.mgr.93.gr.geturrWherraundanYegiWkutki,sem $ ) erueiguerlendrarkjaeWaalYj;Wastofnana,vtryggingarskyldu.UmYettahefurekkiveriW v%N!* settsrstkreglugerW.Samkvmt4.mgr.93.gr.berrkissj;WurbyrgWmeWsamahttiog A&"+ vtryggingaflagsemtekiWhefuraWsrvtrygginguefkutkierekkivtryggtskv.2.og  '", 3.mgr.93.gr. '#-   Samkvmt3.gr.reglugerWarumlgmltarkutkjatryggingarskallgmltbyrgWar ( trygginggildaaWildarrkjumEvr;pskaefnahagssvWisins(EES)ogFrverslunarsamtaka  Evr;pu(EFTA)grundvellieinsogsamaiWgjalds.byrgWrkissj;Ws,vegnakutkjasem  fallaundirundantekningarkvWi2.og3.mgr.93.gr.,gildirYvgagnvarttj;nYolahvortsem a tj;nverWurhrlandieWaWruaWildarrki.GildandislensklggjfuppfyllirYvYegar T, krfurtilskipunarinnar.  2.2.5.kveWnartegundirkutkjaundanYegnarvtryggingarskyldu.     Fyrstatilskipunin,b-liWur4.gr.,veitiraWildarrkjunumtkifritilaWundanYiggja  X kveWnartegundirkutkjavtryggingarskyldu(m.a.kveWinlandbnaWartki)eWakutki K #  semerutbinsrstkuskrningarmerki.      EfaWildarrkinUtirsrundanYgumguleikanngeturannaWaWildarrkiskiliWsrrtttil    aWkrefjastYessaWssemhefurumrWslkskutkishafiviWkomuinnyfirrWasvWiYess   giltgrntkorteWagerisamningumlandamravtryggingu. wO    MeW3.mgr.1.gr.fimmtutilskipunarerafnuminnrtturaWildarrkistilaWkrefjastgrns B  kortseWalandamravtryggingar.0staWYesserkveWiWumskyldutilaWtryggjaaWkutki,    semWrumaWildarrkjumeruundanYeginvtryggingarskyldu,sumeWhndluWsamahtt   ogkutkisemeru;vtryggW.XaWleiWirtilYessaWbyrgWaraWiliaWildarrkiskalbtatj;n {  semverWurWruaWildarrkiogvaldiWerafkutkjumsemeruundanYeginvtryggingar nF skyldu. 9   XaWkemurframliW2.2.2aWskv.3.mgr.18.gr.reglugerWarumlgmltarkutkja  tryggingargreiWirAB0tj;nYolabturvegnatj;nsatvikssemhlotisthefur0slandiafvldum  ;vtryggWskutkis.SamkvmtgildandirttigreiWastYannigbturfyrirtj;nsemvaldiW r eraferlendukutkisemerundanYegiWvtryggingarskylduYvaWildarrkisemYaWtil e= heyrir.0slenskurrtturuppfyllirYvkrfutilskipunarinnaraWYvleyti. 0   Samkvmt3.mgr.4.gr.reglugerWarnr.267/1993umnotkunerlendrakutkjaerku  mnnum(umrWamnnum)kveWinnakutkjafrWrumaWildarrkjumskyltaWframvsa  ?grnukorti eWaannarristaWfestinguYvaWgildbyrgWartrygginghafiveriWkeyptfyrir i kutkiWtilnotkunarhrlandi.0samrmiviWkvWifimmtutilskipunarYarfaWfella \4 YettakvWiniWur.SbreytinggeturorWiWgrundvelliheimildarrWherraskv.66.gr.um ' ferWarlagatilaWsetjareglurumnotkunerlendrakutkja.  2.2.6.LgmarkvtryggingarfjrhWavegnalkamstj;nsogmunatj;ns. `    2.mgr.1.gr.annarrartilskipunarkveWurumaWvtryggingarfjrhWlgboWinnar S+! byrgWartryggingarkutkjaskuliaWlgmarkivera350.000ECUYegarumeraWrWaeinn " slasaWaneinstaklingenslasistfleirisamatj;nsatvikiskalYessifjrhWmargflduWmeW # fjldaslasaWra.X;erheimiltaWkveWalgmarksfjrhW500.000ECUYegarfleirieneinn  $ slasastsamatj;nsatviki.LgmarksfjrhWvegnamunatj;nser100.000ECUeinstku !W% tj;nsatviki,;hWfjldatj;nYola. J""&   02.gr.fimmtutilskipunarinnarermltfyrirumhrrivtryggingarfjrhWirogkveWiW #' erumreglulegaendurskoWunYeirrafjrhWa.KveWiWerumaWvtryggingarfjrhW #( vegnalkamstj;nsskuliaWlgmarkivera1millj;nevravegnahverstj;nYolaeWa5millj;nir $ ) evravegnahverseinstaksvtryggingaratburWar;hWfjldatj;nYola.Vegnamunatj;nsskal v%N!* vtryggingarfjrhWaWlgmarkivera1millj;nevravegnahversvtryggingaratburWar;hW A&"+ fjldatj;nYola.HvaWvarWarlgmarkvtryggingarfjrhWarvegnalkamstj;nsgeturaW  '", ildarrkiYannigvaliWmillitveggjaaWferWa.nnuraWferWinerfstvtryggingarfjrhWaW '#- lgmarki5millj;nirevravegna& a hversvtryggingaratburWarenhinaWferWinfelursrfjr ( hWartakmrkunvegnahverstj;nYola.  'a(b  TilskipuninkveWureinnigumendurskoWunarferlisemfelursraWlgmarksfjrhWir  YrsemkveWiWerumtilskipuninniskuliendurskoWaWaraWminnstakostifimmtahvert a rogbreytastsamahlutfalliogbreytingarsemverWaevr;pskuneytendavsitlunni T, (EICP).    Samkvmt4.mgr.91.gr.umferWarlagaskallgmltbyrgWartryggingtryggjabtur  vegnalkamstj;nseWavegnamissisframfrandaalltaW1.000millj.kr.ogvegnatj;ns   munumalltaW175millj.kr.semhlUstafhverjumeinstkumtj;nsatburWi.Samkvmt5.mgr.  X 91.gr.skalrWherrarlega,aWfengnumtillgumFjrmlaeftirlitsins,breytavtryggingar K #  fjrhWumYessumsamrmiviWverWlagsbreytingar.NgildandivtryggingarfjrhWireru    1.750millj.kr.vegnalkamstj;nseWamissisframfrandaog270.000millj.kr.vegnamuna    tj;ns.     XrvtryggingarfjrhWirsemkveWiWerum4.mgr.91.gr.umferWarlagaeruYannig wO  langtumframYrsemfimmtatilskipunintilgreinirsemlgmarkvtryggingarfjrhWavegna B  hversvtryggingaratburWar.SamkvmtYverekkiYrfbreytingu4.og5.mgr.91.gr.    vegnainnleiWingartilskipunarinnar.   2.2.7.byrgWvegnamunatj;nssemvaldiWeraf;Yekktukutki. nF   nnurkutkjatilskipun,4.mgr.1.gr.,skyldareinstkaWildarrkitilaWkomaf;teWa 9 lggildasrstakanuppgjrsaWilaerannistgreiWslub;ta,aWminnstakostiaWYvmarkisem  skiliWeraWvtryggingtakitilvegnalkamstj;nseWamunatj;nsafvldum;YekktseWa  ;vtryggWskutkis.X;erheimiltaWtakmarkaeWaundanskiljabturfyrirmunatj;nsem r rekjamtil;Yekktrakutkja.RkinfyrirYeirriundanYguheimilderuaWkomavegfyrir e= vtryggingarsvik. 0   02.gr.fimmtukutkjatilskipunarinnarerkveWiWumtakmrkunundanYguheim  ildarinnar.EkkiskallengurveraheimiltaWundanskiljabturfyrirmunatj;nsem;Yekkt  kutkihefurvaldiWeftj;nYolaeruvegnasamatj;nsatviksgreiddarbturfyrirverulegt i lkamstj;n.XaWkemurframaWfaraorWumtilskipunarinnar(12)aWstWabreytingarinnar \4 saWgildandikvWigetikveWnumtilvikumkomiWvegfyriraWtj;nYolifisanngjarnar ' btur.    BreytinginhefurYannigfrmeWsraWmunatj;nsem;Yekktkutkiveldurskalbtt  eftj;nYolasamamlierugreiddarbturfyrirverulegtlkamstj;n.TilskipuninveitirY; `  heimildtilYessaWkveWiWsumeiginhttutj;nYolaaWfjrhWalltaW500evrur.XaW S+! kemurframtilskipuninniaWYaWskulikveWastlandsrttihvaWskuliteljaverulegtlkams " tj;n.M.a.sunntaWtakatillittilYesshvortslysiWhafileitttilinnlagningarsjkrahs. #   01.mgr.94.gr.umferWarlagasegiraWrWherrasetjireglurumframkvmdvtrygg  $ ingarskyldunnar,YarmeWalumskylduvtryggingaflagatilaWtakaYttgagnkvmu !W% byrgWarkerfivegnatj;naafvldum;vtryggWraog;Yekktrakutkja.0reglugerWum J""& lgmltarkutkjatryggingarerureglurumgagnkvmtbyrgWarkerfivegnatj;naaf #' vldum;Yekktraog;vtryggWrakutkja.AlYj;WlegarbifreiWatryggingarsf.(AB0)eru #( byrgWaraWilisemgreiWirtj;nYolabtureftirYeimreglum.018.gr.reglugerWarinnareru $ ) reglurumgreiWslub;tavegnatj;naafvldum;YekktraeWa;vtryggWrakutkja.02.mgr. v%N!* 18.gr.segiraWAB0skulisembyrgWaraWiligreiWatj;nYolabturfyrirlkamsverkaeWa A&"+  missiframfrandavegnaslyss0slandieftlamegiaWtj;niWhafihlotistafnotkun;Yekkts  '", vlkninskutkis.AB0greiWir& a  afturm;tiekkibturfyrirmunatj;nslkumtilvikum. ( XaWgildirhvortsemumlkamstj;neraWrWaeWaekki.  'a(Y  TilaWuppfyllakvWitilskipunarinnarYarfaWbreytareglugerWumlgmltarkutkja  tryggingarYannvegaWAB0skuligreiWabturfyrirmunatj;nYegarsamtmisgreiWastbt a urfyrirlkamstj;n. T, 2.2.8.Eiginhttatj;nYolavegnamunatj;nssem;vtryggtkutkiveldur.    nnurkutkjatilskipun,4.mgr.1.gr.,skyldar,einsogWurergetiW,einstkaWildarrki   tilaWkomaf;teWalggildasrstakanuppgjrsaWilaerannistgreiWslub;ta,aWminnsta  X kostiaWYvmarkisemskiliWeraWvtryggingtakitilvegnalkamstj;nseWamunatj;nsaf K #  vldum;YekktseWa;vtryggWskutkis.0YvtilvikiaW;vtryggtkutkiveldurmunatj;ni    gataWildarrkiY;heimilaWaWtj;nYoliberisjlfureiginhttualltaW500ECU.      02.gr.fimmtutilskipunarerfelldniWurheimildtilaWkveWaeiginhttuvegnamuna   tj;nssem;vtryggtkutkiveldur. wO    Samkvmt3.mgr.18.gr.reglugerWarumlgmltarkutkjatryggingarskalAB0sem B  byrgWaraWiligreiWatj;nYolabturvegnatj;nsatvikssemhlotisthefur0slandiafnotkun    ;vtryggWskutkis.0kvWinuerekkikveWiWumeiginhttutj;nYola.Gildandis   lenskurrtturuppfyllirYvYegarkvWitilskipunarinnar. {  2.2.9.XUWingvitneskjufarYegaumfengishrifkumanns. 9   01.mgr.1.gr.YriWjutilskipunarinnarerkveWiWumaWbyrgWartryggingkutkisskuli  takatilbyrgWarvegnaallrafarYegaaWkumanniundanskildum.01.mgr.4.gr.fimmtu  tilskipunarerkveWiWumnUjamlsgrein(3.mgr.1.gr.).SamkvmtkvWinuskuluaW r ildarrkitryggjaaWekkisukvWilggjfeWavtryggingarskilmlumsemundanskilja e= byrgWvegnafarYegameWYeimrkumaWhannhafivitaWeWamttvitaaWkumaWurvri 0 undirhrifumfengiseWaannarravmuefna.    FramkemuraWfaraorWumtilskipunarinnar(15)aWfarYegarsualmenntekkingjanlega  stakkbnirtilaWdmaumhvortkumaWursundirhrifumfengis.EinnigsegiraWYv i markmiWiaWhvetjakumenntilYessaWakaekkibifreiWundirhrifumvmuefnaverWiekki \4 nWmeWYvaWfarYegisemlendirumferWarslysifiekkibtur.XkemurframaWYaWaW ' slkirfarYegarnj;tiverndarsamkvmtlgmltribyrgWartryggingusegiekkifyrirum  byrgWsemYeirkunniaWbakasrsamkvmtlandslgumeWaumfjrhWb;tavegna  einstakstj;nsatviks.FyrirmlitilskipunarinnareruYvYannvegaWtj;nYoliskuliekkifyrir `  framveratilokaWurfrYvaWgetagertkrfuumbturrbyrgWartryggingunni.Til S+! skipuninseturhinsvegarekkireglurumaWhvaWaleytifarYegieigiskaWab;takrfueWaum " b;takvarWanir. #   Samkvmt1.mgr.88.gr.umferWarlagaskalssembyrgWberskrningarskylduvl  $ knnukutkibtaYaWtj;nsemhlUstafnotkunYessendaY;tttj;niWverWiekkirakiWtil !W% bilunareWagallatkinueWa;gtnikumanns.Samkvmt2.mgr.smugreinarmlkka J""& eWafellaniWurbturfyrirlkamstj;neWavegnamissisframfrandaefssemvarWfyrirtj;ni #' eWalstvarmeWvalduraWYvafsetningieWagleysi.Samsvarandireglakemurfram3. #( mgr.varWandibturvegnamunatj;ns. $ )   kvWi1.mgr.88.gr.gildirumskaWab;tabyrgWtj;nisemfarYegarverWafyrir.Sam v%N!* kvmt2.og3.mgr.smugreinarerheimilteinstkumtilvikumaWlkkaeWafellaniWur A&"+ bturvegnaeiginsakartj;nYola.Samkvmt1.mgr.91.gr.umferWarlagaskalgreiWsla  '", b;takrfuvegnatj;nssemhlUstafnotkunskrningarskyldsvlkninskutkisveratryggW '#- meWbyrgWartryggingu.SkaWab;tabyrgWtj;nifarYegafellurYvundirgildissviWlg ( mltrarbyrgWartryggingar;hWhugsanlegrivitneskjuhansumlvunkumanns.    XarsemtilskipuninseturaWeinsregluumaWtj;nYoliskulieigakrfub;tumrvtrygg  ingunni,YegarumskaWab;tabyrgWeraWrWa,enekkiumlitaefniWhvenrsumskaWa a b;tabyrgWaWrWa,uppfyllirslenskurrtturkvWitilskipunarinnar. T, 2.2.10.GildissviWbyrgWartryggingarinnargagnvartf;tgangandioghj;lreiWamnnum.    EinsognefnterliW2.2.9erYriWjukutkjatilskipuninni1.mgr.1.gr.mltfyrirum   aWlgmltbyrgWartryggingskulitakatilbyrgWarvegnalkamstj;ns,m.a.farYegum  X kutkis.02.mgr.4.gr.fimmtutilskipunarertilgreintaWgildissviWbyrgWartryggingarinnar K #  skulieinnigntilbyrgWarvegnalkamstj;nsogmunatj;nsf;tgangandimanna,hj;lreiWa    mannaogannarravegfarendautanvlkninnakutkja.      XaWkemurframaWfaraorWumtilskipunarinnar(16)aWkvWiWvarWarekkilitaefnium   skaWab;tabyrgWeWafjrhWb;ta,semgreiWastsamrmiviWlggjfviWkomandirkis. wO  SkaWab;tabyrgWvegnatj;nssemvaldiWerafskrningarskylduvlknnukutkif;tgang B  andimnnumoghj;lreiWamnnumogWrumutanvlkninnakutkjatekursamkvmts    lenskumrttibWitillkamstj;nsogmunatj;ns,sbr.1.mgr.88.gr.umferWarlaga.Sam   kvmt1.mgr.91.gr.skalgreiWslab;takrfuvegnatj;nssemhlUstafnotkunskrningar {  skyldsvlkninskutkisveratryggWmeWbyrgWartryggingu. nF   XarsemkvWitilskipunarinnarvarWaekkiskaWab;tabyrgWheldureingngugildissviW 9 lgmltrarbyrgWartryggingarkutkjakallaYauekkibreytinguumferWarlgunum.  2.2.11.0 v GildissviWvtryggingarinnarmeWtillititilkutkja,semstaWsetteruWruaWildar r rki.e=vv   02.gr.YriWjukutkjatilskipunarerkveWiWumaWaWildarrkiskuligeranauWsynlegar 0 rWstafanirtilaWsjtilYessaWlgboWnarbyrgWartryggingarvegnanotkunarkutkisgildi  llumaWildarrkjunumgrundvellieinsogsamaiWgjalds.VtrygginginskuliveitaYv  tryggingarverndhverjuaWildarrkisemkveWiWerumlggjfviWkomandirkis,eWaY i vtryggingarverndsemlgkveWaumaWildarrkinuYarsemkutkiWeraWjafnaWistaW \4 sett,YegarsverndervWtkari. '   03.mgr.4.gr.fimmtukutkjatilskipunarinnarermltfyrirumaWlgmltbyrgWar  tryggingskuliveittgrundvellieinsogsamaiWgjaldsalltsamningstmabiliWogYjafntY;tt  kutkiWsstaWsettWruaWildarrkiYvtmabili. `    RkinfyrirkvWinuerusamkvmtaWfaraorWumtilskipunarinnar(17)aWkomaveg S+! fyriraWvtryggingaflgsetjiskilmlasnakvWiumaWvtryggingarsamningurinnfalli " niWurefkutkiWerlangantmautanaWildarrkisinsYarsemYaWerskrW. #   Samkvmt6.mgr.91.gr.geturrWherrasettreglurumaWhvemikluleytivtryggingin  $ skulibtatj;nsemhlUsterlendis.Samkvmt1.mgr.3.gr.reglugerWarumlgmltarku !W% tkjatryggingarskallgmltbyrgWartrygginggildaaWildarrkjumEvr;pskaefnahags J""& svWisins(EES)ogFrverslunarsamtakaEvr;pu(EFTA)grundvellieinsogsamaiWgjalds. #' VtrygginginskalveitaYverndhverjuaWildarrkisemkveWiWerumlggjfviW #( komandirkis,eWaYverndsemslensklggjfmlirfyrirumYegarsverndervWtkari. $ )   & a XaWkemurekkibeinlnisframkvWumreglugerWarinnaraWvtrygginginskulitakatil v%N!* tmabilaeWaaWvtryggtkutkisstaWsettWruaWildarrki.GerterrWfyriraWkvWi A&"+  reg'av%vlugerWarinnarverWiendurskoWaWoggertskUrarameWhliWsj;nafefni2.gr.YriWjutil  '", skipunarog3.mgr.4.gr.&   fimmtutilskipunar.HeimildtilYeirrarbreytingareraWfinna6. ( mgr.91.gr.umferWarlaga'(L.  2.2.12.StaWsetningvtryggingarhttunnar!innfluttkutki. a   04.mgr.1.gr.annarrartilskipunarinnarerkveWiWumskylduaWildarrkistilaWsetja T, stofneWaviWurkennasrstakanuppgjrsaWilasemaWgreiWabtursemvaldiWeraf;v  tryggWumkutkjum.    EfkutkierfluttinnfreinuaWildarrkitilannarsaWildarrkisoglendirumferWar   ;happikvrWunarlandinu,Wurenkeyptervtrygging,leiWirnnurkutkjatilskipunin  X tilYessaWuppgjrsaWilinnupprunarkinuaWbtatj;nsemaf;happinuleiWir.XaWer K #  vegnaYessaWvtryggingarhttanertalinstaWsettYar.      0fimmtutilskipuninni,4.mgr.4.gr.(aogb),erYessubreytt.StaWsetningvtryggingar    httunnarskalveram;ttkulandiW,YegaruminnfluttfarartkieraWrWa,30dagafr   YeimtmasemkaupandifkkkutkiWafhent,jafnvelY;ttkutkiWsekkiformlegaskrW. wO  BreytinginfelursraWbyrgWaraWilinnm;ttkurkinu(0slandiAB0)skalbtatj;nsem B  ;vtryggtkutkiveldurtilgreindutmabili.Bturfyrirtj;nsemvaldiWereftirYrjtu    dagatmabiliWskulu,efvtryggingerekkifyrirhendi,greiddarafbyrgWaraWilauppruna   rkinu. {    Samkvmt3.mgr.18.gr.reglugerWarumlgmltarkutkjatryggingarskalAB0sem nF byrgWaraWiligreiWabturvegnatj;nsatvikssemhlotisthefur0slandiafnotkun;vtryggWs 9 kutkis.kvWiWerYannigsamrmiviWkvWi4.mgr.4.gr.tilskipunarinnarvarWandi  innfluttkutki.  2.2.13.BannviWaWberaviWeiginhttugagnvarttj;nYola. e=   04.mgr.4.gr.(c)fimmtutilskipunarerkveWiWumaWvtryggingaflagmegiekkibera 0 viWeiginhttugagnvarttj;nYolavegnatj;nssemhlotisthefurafvtryggWukutki.    02.mgr.4.gr.reglugerWarumlgmltarkutkjatryggingarsegiraWsamningiflagsins  ogvtryggingartakamegiskiljaaWvtryggingartakiskuliaWlluleytieWahlutaberahttu i aftj;nsatburWumsemfallaundirvtrygginguna,enslkkvWihafienginhrifrttarstWu \4 YriWjamanns.0slenskurrtturuppfyllirYvYegarkvWitilskipunarinnar. ' 2.2.14.Rtturtj;nYolatilbeinnarkrfuvtryggingaflagiW.    04.mgr.4.gr.(d)fimmtukutkjatilskipunarinnarerkvWiumaWtj;nYoliskulieiga `  beinakrfuvtryggingaflagtj;nvalds.XessaregluerYegaraWfinnafj;rWukutkja S+! tilskipuninni,3.gr.,entakmarkastYarviWkrfurvegnatj;nsatvikasemverWaWruaWildar " rkienheimarkitj;nYola.HiWnUjakvWifimmtutilskipunarinnareykurrttinditj;nYola. # SamkvmtYvtekurYaWneinnigtilkrafnavegnatj;nsatvikasemverWaheimarkitj;n  $ Yola.RkinfyrirkvWinusamkvmtaWfaraorWum(21)eruaWYaWhafiverulegaYUWingu !W% fyrirtj;nYolaaWgetagertkrfubeintvtryggingaflag. J""&   01.mgr.4.gr.reglugerWarumlgmltarkutkjatryggingarsegiraWvtryggingaflag #' skulitakaaWsrvtryggingunaYannigaWYriWjimaWureigibeinakrfuflagiW,sbr.1.mgr. #( 91.gr.og1.mgr.95.gr.umferWarlaga.GildandislenskurrtturuppfyllirYvkvWitilskip $ ) unarinnar& a umaWtj;nYoliskulieigabeinakrfuvtryggingaflag,;hWYvhvorttj;nsatvik v%N!* verWurhrlandieWaerlendis. A&"+  'av%  '", & a  2.2.15.AuknarskyldurtilrkstuWnings. (   Samkvmt4.gr.fj;rWukutkjatilskipunarskalvtryggingaflag,semtekuraWsr  byrgWartrygginguvlkninna'a( kutkja,tilnefnatj;nsuppgjrsfulltrallumWrumaW  ildarrkjumenYvYarsemflagiWhefurfengiWstarfsleyfi.Tj;nsuppgjrsfulltrinnskalhafa a umboWtilaWafgreiWaogtakakvrWuneWasemjaumskaWab;takrfurtj;nYola,vegnatj;ns T, atviksWruaWildarrkienbseturkitj;nYola,endaverWitj;nsatvikrakiWtilkutkissem  ervtryggtogaWllujfnustaWsettWruaWildarrki.    06.mgr.4.gr.fj;rWukutkjatilskipunarinnarermltfyrirumkveWinnframgangsmta   viWmeWferWb;takrafna.Vtryggingaflagtj;nvaldseWatj;nsuppgjrsfulltrinnskaleigi  X sWarenYremurmnuWumeftiraWtj;nYolilagWiframb;takrfusnaannaWhvortleggjafram K #  rkstutttilboWumbtur(efb;tabyrgWerviWurkenndogtj;niWhefurveriWmetiW)eWark    stuttsvarviWkrfutj;nYola(efb;tabyrgWerhafnaWeWatj;niWhefurekkiendanlegaveriW    metiW).     Fimmtatilskipunin(4.gr.)eykurskyldutilrkstuWningsmeWsetningunUrrakvWa. wO  FyrirmlieruumaWreglurumskyldutilrkstuWningsskuligildavegnaallratj;nasemer B  valdiWafkutkisemervtryggtlgboWinnibyrgWartrygginguogeraWllujfnustaWsett    rkiEvr;pusambandsinseWaEFTA-rki.XettaYUWiraWreglangildireinnigumtj;nsem   leiWirafumferWar;happibsetulanditj;nYola. {    ReglurnarumskyldutilaWleggjaframrkstutttilboWeWasvarskulueinniggildavegna nF b;takrafnasemafgreiddareruaftj;nsuppgjrsmiWstWviWkomandirki. 9   Samkvmt1.mgr.15.gr.reglugerWarumlgmltarkutkjatryggingarskaltj;nsupp  gjrsfulltriinnanYriggjamnaWafrYvaWtj;nYolibeiniraWhonumkrfuumbturvegna  tj;nsatviksgeraskriflegarkstutttilboWumbturYegarekkiergreiningurumb;taskyldu r ogtj;nhefurveriWmetiW,nemavtryggingaflagiWhafiWurgertrkstutttilboW.Samkvmt e= 2.mgr.15.gr.skaltj;nsuppgjrsfulltrinn,Yegarb;taskylduerhafnaWeWaekkihefurveriW 0 skoriWrumhanaeWaeftj;nhefurekkiveriWmetiWaWfullu,innansamafrestog1.mgr.  gefarkstuttsvarviWYeimatriWumsemtiltekinerukrfunni.ReglugerWinkveWurekki  umtilsvarandireglurvegnaafgreiWsluannarratj;nasemvtryggWkutkivaldaeWab;ta i krafnasemslensktj;nsuppgjrsmiWstW(AB0)afgreiWir. \4   Samkvmt3.mgr.93.gr.umferWarlagageturrWherrasettnnarireglurumgreiWslub;ta ' frtj;nsuppgjrsmiWstWogumstarfsemihennar.Hanngeturennfremursettnnarireglur  ummeWferWb;takrafnahjvtryggingaflgumogtj;nsuppgjrsfulltrumvtryggingaflaga  skv.11.tlul.2.mgr.21.gr.lagaumvtryggingastarfsemi,nr.60/1994. `    ErYvnauWsynlegtaWgerabreytingarreglugerWumlgmltarkutkjatryggingartil S+! YessaWuppfyllakvWitilskipunarinnar. " 2.2.16.NiWurfellingskylduupplUsingamiWstWvartilaWaflaupplUsingaumgrnakortiW.  $   0b-liW6.gr.fyrstukutkjatilskipunareraWildarrkjunumveitturrtturtilaWkrefjastYess !W% aWkumaWurannarsaWildarrkishafigiltgrntkort,eWaaWviWkomandiviWkomulandiW J""& takisvonefndalandamravtryggingu,efkutkiWerundanYegiWvtryggingarskyldu. #'   & , XessirtturaWildarrkiserafnuminnmeWb-liW3.mgr.1.gr.fimmtutilskipunarYannig #( aWekkiverWurlengurhgtaWgerakrfuumgrntkorteWalandamravtrygginguvegna $ ) kutkjafrWruaWildarrki. v%N!* ',#  XaWkemurframfj;rWutilskipun(a-liW1.mgr.5.gr.,2,(ii))aWupplUsingamiWstWvar A&"+ skulihaldaskrseminnihaldiupplUsingarumnmeriWgrnukortieWalandamravtrygg  '", ingarskrteiniefannaWYessaraskjalagildirumkutkiW. '#-   XettakvWierfelltniWurmeW3.mgr.5.gr.fimmtu_tilskipunar_ԀYarsemkrafaumslka ( _upplUsingaskr_ԀhefWiekkiYUWinguYegar_aWildarrki_ԀgetaekkilengurkrafistgrnskortseWa  _landamravtryggingarskrteinis_.    0c-liW2.mgr.21.gr.reglugerWarum_lgmltar_Ԁ_kutkjatryggingar_ԀerkveWiWumaW a _upplUsingamiWstWin_Ԁ(_AB0_)skulisafnaogmiWlaupplUsingumumnmergrna_kortsins_ԀeWa T, _landamravtryggingarskrteinis_ԀvegnaYeirrakutkjasemundanYegineru_vtryggingar  skyldu_,efskjlYessieigaviWumkutkiW.kvWi3.mgr.5.gr._tilskipunarinnar_ԀleiWirtil  YessaWfellaverWurniWurc-liW2.mgr.21.gr.reglugerWarinnarYarsem_upplUsingamiWstWin_   ekkilenguraWsafnaYeimupplUsingumsemYarerunefndar.  X @ AthugasemdirviWeinstakargreinarfrumvarpsins.    @ Um1.gr.      SamkvmtfrumvarpinuskalrWherrasetjareglurumskyldu_vtryggingaflaga_ԀtilaWgefa   vottorW(_tj;nsvottorW_)meWupplUsingumum_skaWab;takrfur_ԀsemvarWavtryggtkutkieWa wO  hvortekkierumslkarkrfuraWrWa. B    formaWeraWsettverWikvWireglugerWum_lgmltar_Ԁ_kutkjatryggingar_ԀsemkveWi    umskyldu_vtryggingaflaga_ԀtilaWgefataWbeiWni_vtryggingartaka_Ԁ_tj;nsvottorW_Ԁfyrirv   tryggtkutkihans._Tj;nsvottorWiW_ԀskalinnihaldaupplUsingarum_skaWab;takrfur_ԀfrYriWja {  mannivegnatj;nssemvarWarvtryggtkutkieWaupplUsingarumaWekkisumslkar nF krfuraWrWa.VottorWiWskaltakatilfimmratmabilsWurenYaWer_tgefiW_._Vtrygg 9 ingartaki_ԀskalfvottorWhendurinnan15dagafrYvaWbeiWnihansbarst_vtrygginga  flagi_.  @ Um2.gr. e=   FrumvarpiWfelursraW_AB0_Ԁsem_upplUsingamiWstW_ԀfrheimildtilaWsafnaogmiWla 0 _grundvallarupplUsingum_ԀsemerunauWsynlegarfyrirmeWferW_tj;namls_,sbr.4.mgr.5.gr.  fimmtu_kutkjatilskipunar_.GildandikvWi1.mgr.94.gr.btekurhinsvegareingngutil  upplUsingaum_vlkniW_ԀkutkisemvaldiWhefurtj;niog_vtryggingu_ԀYess. i   _GrundvallarupplUsingar_ԀerueinkumupplUsingarum_skrningarnmer_Ԁkutkis,_vtrygg \4 ingu_ԀYess(_vtryggingaflag_Ԁog_skrteinisnmer_)ognfn,heimilisfngogsmanmerYeirra ' aWilasemhluteigaaWm_li_,svoogupplUsingarum_tj;nsstaW_ԀogupplUsingar_lgregluskUrslu_  eWa_tj;nstilkynningu_ԀumaWdraganda_tj;nsatviks_Ԁog_tj;nsuppdrttur_.    LgWertilbreyting1.og2.mgr.94.gr.bmeWtillititilYessaWfimmta_kutkjatilskip `  unin_ԀgerirrWfyriraWveittarsuupplUsingarumfleiriatriWienumkutkiWog_vtryggingu_ S+! Yess. "   XerlgWtilbreytingc-liW1.mgr.94.gr.bYannigaWekkiverWilengurskilyrWifyrir # _aWgangi_ԀaWupplUsingumaWtj;niWhafiorWiWWrulandienheimalanditj;nYola.  $ @ &  Um3.gr. J""&   03.gr.fimmtu_tilskipunar_ԀergerWbreytingtilskipun88/357/EBEfr22.jn1988um'J"  #' samrmingulgumog_stj;rnsUslufyrirmlum_ԀsviWi_frumtrygginga_,annarraen_lf #( trygginga_,umaWgreiWafyrirYvaWrtturtilaWstundaYj;nustustarfsemisnUttur(nnur $ ) _skaWatryggingatilskipun_).Breytinginfelurm.a.sraWvtryggingaflaggeturnotaWtib v%N!* sitteWad;tturflag,semervtryggingaflag,WruaWildarrkisemtj;nsuppgjrsfulltra A&"+  vegnastarfsemiflagsins__kutkjatryggingum_.  '",   &   Samkvmt5.mgr.65.gr.laganr.60/1994skalflag,semveitirYj;nustun_starfsstWvar_ ( _byrgWartryggingum_Ԁ'(wkutkja,sjtilYessaWYeirsemkrfueigab;tumvegnatj;nshr  landisuekkilakarsettirenaWrirvegnaYessaWstarfsstWerekkifyrirhendi.Skal_tj;ns  uppgjrsfulltri_Ԁskv.4._tlul_.2.mgr.smugreinarlagannaaflaallranauWsynlegragagna a vegnatj;nsoghafaallarheimildirtilaWgreiWabturogkomaframfyrirhndflagsinshr T, landi.HonumskaleinnigskyltaWveita_lgbrum_ԀaWilumhrlandiupplUsingarumhvort  _lgmltar_Ԁ_kutkjatryggingar_Ԁsufyrirhendiogumgildistma.0samrmiviW3.gr.fimmtu  _tilskipunar_ԀerlagttilaWniWurverWifelldur4._mlsl_.5.mgr.65.gr.lagannaYarsemsegiraW   fulltrinnhafiekkimeWhndumnnurverkefnifyrirflagiWensemmlsgreininnisegir.  X @ Um4.gr.      GreininYarfnastekkiskUringa.    @ Um5.gr. wO    Samkvmttilskipun2005/14/EBttukvWi_tilskipunarinnar_ԀaWkomatilframkvmda B  eigisWaren11.jn2007.LagtertilaWlginWlistYegargildi.     Fylgiskjal. 9 ~AU?) dE?5 A^~   FjrmlarWuneyti, r _fjrlagaskrifstofa_: e=   UmsgnumfrumvarptillagaumbreytingumferWarlgum,nr.50/1987,  oglgumnr.60/1994,umvtryggingastarfsemi  (byrgWartryggingkutkja,EES-reglur). i    TilgangurfrumvarpsinserinnleiWingEEStilskipunar2005/14/EB,semfelursrbreyt \4 ingarUmsumtilskipunumtengdumkutkjatryggingum,oginnleiWingtilskipunar_2000/26/ ' EB_ԀumbyrgWartrygginguvegnanotkunarvlkninnakutkja.MarkmiWfrumvarpsinser  aWaukaverndtj;nYolasemverWafyrirtj;niafvldumvlkninskutkis.    VerWifrumvarpiW;breyttaWlgumverWurekkisWaWYaWhafifrmeWsraukintgjld `  fyrirrkissj;W. S+!