WPC dWj bZ2Z\.ul>֫jlR|$oIno:hz|z oFyYKz1洞'Ly^?Mi b)]4SfY-z?A4΀.6s]U=DJmL:!FfQ?؄h,zFv5UQ NQkCW)kR7uXt:|-d}br ǮT;wZxH=M0K(n@- `Plni3y0R)sN6%EÅfQx&F9{=I ZGAoqPG}`i[=wW"XsF5$>Josq>DZTP|D[)ҽav1%cBic8䧿8:%six$[P|>ވ%Sy&_p0Q䛋ٟī Rd5UN %4 0Y:# ^\^ mw145^ IUd D-* 72W 0U 0#$%e&+' 09' A*( 0( 0) 0* 0l+ 0C, 0- 0- 0C. 0. 0/ 00 0c1 0+2 02 03 0q4 0@+5 0k5 096 07 07 08 0S9 0: 0: 0<; 1; 72H<<z< 1=7=> 72t? 1? 72-@ 1_@ 72@ 1A 72AEA 0A 0<B 0,C 0;C 0&C 0D 0E 0:oF 0F 0-[G 00H 00I 03J 0L 0N 0Q 0LT 0  W 0X 0Z 0YH[ B [ AM[ 0N \ 0Y\ 0\N] 0] 08^ 0^ 0v_ 1` 0` 0vQa 0e 0vff D5j 0vk 0Ko 0o 00Tt 0huu 0-u 0w&w Aw 0 7 7 7 7  1 72 1 72[ 1 72 1F 72 1 72 1 72? 1q 72 0* 0j DC% 1h 72 1! 72 1 72a 1 72 0L 0 1 1j 1 1x 0 0 0f 0A 0D0 1t 1 1 1 72 1 72I 1{ 72 04 0% 0 0 0 0 0 0 0 0z 0Y 08 0 0 0 0 0x 0N 0/ 0  0  0  0  0y  0Q  0& 0& 0! 0 0#s 0 0/ 0<U.&d9 Z6Times New Roman RegularX(1$ IS , .\R6&A4\X_XXXTRW<6&A4W<6&A4 6&A4 6&A4T ? 9XX_-?vbX-#ggdd  80dd8ISUS.,     \\loki.althingi.is\Austurstr 8-10 3h lp41yy0\\Mimir\forrit\WP2000\template\SKJRIT~1.WPT\\Mimir\forrit\WP2000\template\SkjritunY2k.wptU*>ό|)rirs?gp? 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. 2 a#'ISUS.,,,..XXXX? 0XX-?vbX-#ggdd  ISIS,.   _ (EhCEKQW]cioAutoList2a.a.a.a.a.a.a.a. - e#)ISUS.,,,..XXXX? 0XX-?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  ..(N3#$ !ISUS.,,,..TRW6&A4X3' Letter 6&A4\X_X3'LetterTXXXXTRW6&A4W6&A4 6&A4 6&A4\X_XT ? 0XX-?vbX-#ggdd  8IdXXd8ISIS,.      <+ :Outline011_923  ..(N3#$ !ISUS.,,,..TRW6&A4X3' Letter 6&A4\X_X3'LetterTXXXXTRW6&A4W6&A4 6&A4 6&A4\X_XT ? 0XX-?vbX-#ggdd  8IdXXd8ISIS,.      UUUU)!dxdx(N3#$ !ISUS.,,,..TRW6&A4X3' Letter 6&A4\X_X3'LetterTXXXXTRW6&A4W6&A4 6&A4 6&A4\X_XT ? 0XX-?vbX-#ggdd  8IdXXd8ISIS,.      ( $ Figure  1  (Z37$ !ISUS.,,,..TRW6&A4X3' Letter 6&A4\X_X3'LetterTXXXXTRW6&A4W6&A4 6&A4 6&A4\X_XT ? 0XX-?vbX-#ggdd  8IdXXd8ISIS,.       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.,,,..TRW6&A4X3' Letter 6&A43'LetterTXXXXTRW6&A4W6&A4 6&A4 6&A4T ? 0XX-?vbX-#ggdd  8IdXXd8ISIS,.          0  0Ԁ<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.2J+J 0_level2  X 2( & ~ .6> 223  ..  2(v v& ~ .6> 2  2J+J 0_level3   2( & ~ .6> 223  ..  2(v v& ~ .6> 2  2G+J 0_level4   /%& & & ~ .6> /23  ..  2(v v& ~ .6> 2  2G+J 0_level5   /%R R R ~ .6> /23  ..  2(v v& ~ .6> 2  2D+J 0_level6   ,"~ ~ ~ .6> ,23  ..  2(v v& ~ .6> 2  2D+J 0_level7  4 ," .6> ,23  ..  2(v v& ~ .6> 2  2A+J 0_level8  ` ) .6> )23  ..  2(v v& ~ .6> 2  2A+J 0_level9   ) .6> )23  ..  2(v v& ~ .6> 2  2MJ 0_levsl1  , 5+ & ~ .6> 523  Ԁ  2(v v& ~ .6> 2  2JJ 0_levsl2  X 2( & ~ .6> 223  Ԁ  2(v v& ~ .6> 2  2JJ 0_levsl3   2( & ~ .6> 223  Ԁ  2(v v& ~ .6> 2  2GJ 0_levsl4   /%& & & ~ .6> /23  Ԁ  2(v v& ~ .6> 2  2GJ 0_levsl5   /%R R R ~ .6> /23  Ԁ  2(v v& ~ .6> 2  2DJ 0_levsl6   ,"~ ~ ~ .6> ,23  Ԁ  2(v v& ~ .6> 2  2DJ 0_levsl7  4 ," .6> ,23  Ԁ  2(v v& ~ .6> 2  2AJ 0_levsl8  ` ) .6> )23  Ԁ  2(v v& ~ .6> 2  2AJ 0_levsl9   ) .6> )23  Ԁ  2(v v& ~ .6> 2  2MJ 0_levnl1  , 5+ & ~ .6> 523   2(v v& ~ .6> 2  2JJ 0_levnl2  X 2( & ~ .6> 223   2(v v& ~ .6> 2  2JJ 0_levnl3   2( & ~ .6> 223   2(v v& ~ .6> 2  2GJ 0_levnl4   /%& & & ~ .6> /23   2(v v& ~ .6> 2  2GJ 0_levnl5   /%R R R ~ .6> /23   2(v v& ~ .6> 2  2DJ 0_levnl6   ,"~ ~ ~ .6> ,23   2(v v& ~ .6> 2  2DJ 0_levnl7  4 ," .6> ,23   2(v v& ~ .6> 2  2AJ 0_levnl8  ` ) .6> )23   2(v v& ~ .6> 2  2AJ 0_levnl9   ) .6> )23   2(v v& ~ .6> 2  <zp :Body Text I2 d X  US XXX  /%v v ~ .6> /2(v v& ~ .6> 2 IS   X 622 4Body Text US XXX   IS   <>> :Body Text I1   US XXX   IS    <c :Body Text In   US XXX /%v vK7  > /PFvv& ~ .6> P IS   : 8Body Text 3 US XXXC4\  `Tms RmnC5+v vv& ~ .6> 5J@vv& ~ .6> J IS S\  `&Times New RomanS<%%:Comment Refe US  IS < :Comment Text\  `Tms Rmn !ISUS.,,,..TRW6&A4X3' Letter 6&A43'LetterTXXXXTRW6&A4W6&A4 6&A4 6&A4T ? 0XX-?vbX-#ggdd  8Idd8ISIS,.      _ _ikmo(JT03q57 (  Xingskjal266"256.ml.      10Frumvarptillaga/#01#  00XX0umbreytingulgumumsjkratryggingar,nr.112/2008,   oglyfjalgum,nr.93/1994,meWsWaribreytingum  r (greiWsluYtttakalyfjakostnaWi).#0XX/#  X    1 (LagtfyrirAlYingi140.lggjafarYingi2011!2012.)     C y   ?U?' b dE" ? C      I.KAFLI |   Breytinglgumnr.112/2008,umsjkratryggingar, oG  meWsWaribreytingum.  : 1.gr.  _  6.tlul.1.mgr.29.gr.lagannaorWastsvo:Lyf,sbr.25.gr.GjaldfyrirlyfverWurhlutfalls  gjaldogYrepaskipteftiruppsfnuWumlyfjakostnaWisjkratryggWstilteknutmabiliogskal s tiltakahlutfall,tmabilogYrepreglugerW.NiuppsafnaWurlyfjakostnaWursjkratryggWs f> ekkitilteknulgmarkigreiWirsjkratryggWurhannaWfullu.Gjaldfyrirlyfskalveralgra 1  hjldruWum,ryrkjumogbrnum.EinnigerheimiltaWkveWareglugerWaWlyfviWtil  teknumalvarlegumsjkd;mumsuundanYegingjaldi.0reglugerWerjafnframtm.a.heimilt  aWtiltakahmarkeiningalyfjavsunumoggreiWsluYtttkuverW,Y.e.YaWverWsemsjkra j tryggingarskulumiWagreiWsluYtttkusnaviW,sbr.lyfjalg.XerheimiltaWtakmarka ]5 greiWsluYtttkusjkratryggingakveWnumlyfjaflokkumviWhagkvmustupakkningar ( samkvmtnnariskilgreiningureglugerW.HeimilterreglugerWaWbindatgfulyfja  skrteinaviWtiltekinnfjldalyfja.  @==!2.gr. T,    eftir29.gr.lagannakemurnUgrein,29.gr.a,samtfyrirsgn,svohlj;Wandi: ! @w w MiWlgurlyfjagreiWslugrunnur. "   SjkratryggingastofnuninberbyrgWogstarfrkirgagnagrunnmeWYeimupplUsingum # semnauWsynlegarerutilaWreiknatgreiWsluYtttkusjkratryggingaoggjaldsjkratryggWs  X$ viWkauplyfjum,sbr.6.tlul.1.mgr.29.gr.0gagnagrunninnskalskrupplUsingarum K!#% lyfjakostnaWsjkratryggWraenekkiaWrarupplUsingarumlyfjanotkun,svosemheitiog "& tegundlyfja. "'   0gagnagrunninnskalaukYessskrYrupplUsingarsemnauWsynlegarerutilaWstarfrkja #( srstaktgreiWslukerfifyrirlyfjakaupogupplUsingarsemlyfjabWirnotatiltreiknings w$O ) greiWsluYtttkulyfjumsamkvmtlgumYessum. B%!*   RWherraseturreglugerWumreksturgagnagrunnsins.Xarskalm.a.kveWiWum:  &!+ "i(m"  i(mB2JT  1  .3  Ԉ0    hvaWaupplUsingarskuliskrgagnagrunninn,i(mBo݌&", Ќ  "i(m"  i(mQ2JT  2  .3  Ԉ0    eyWinguskrWraupplUsinga,i(mQ~݌'{#- Ќ  "i(m"  i(mQ2JT  3  .3  Ԉ0    aWganglyfjabWa,lknaogannarraaWupplUsingumgagnagrunninum,i(mQ~݌#n(F$. #Ќ  "i(m"  i(m2JT  4  .3  Ԉ0    skyldulyfjabWatilaWtengjastgagnagrunninumogtilaWnUtaupplUsingargagnagrunns ( insviWtreikningagreiWsluYtttkuogi(m݌ Ќ  "i(m"  i(m 2JT  5  .3  Ԉ0    skyldulyfjabWatilaWveitaupplUsingargagnagrunninn.i(m 7݌ Ќ    II.KAFLI T,  Breytinglyfjalgum,nr.93/1994,meWsWaribreytingum.   3.gr.  *  27.gr.lagannaorWastsvo:     LandlknirstarfrkirlyfjagagnagrunnumlyfjavsanirogafgreiWslulyfjaYeimtilgangi  X aWhafaalmennteftirlitmeWvsunumlknalyfogvegnaeftirlitsmeWvana-ogfkni K #  lyfjum.      Pers;nuauWkennisjklingaoglknaskuluverasrstaklegadulk;WuWlyfjagagnagrunn    inum.Dulk;WuWumpers;nuauWkennumsemeldrieruen30raskaleyttrhonum.Land   lknirberbyrgWdulk;Wunpers;nuauWkennannaogvarWveitireinnlykilaWhenni,bWi wO  tildulk;Wunarogafk;Wunar. B    Lyfjastofnungeturs;ttumaWgangaWpers;nuupplUsingumrlyfjagagnagrunninum.    Landlknirgeturveittslktleyfief:   ! ! (g00_ikmo"i(m"  i(mG2g  a  .3  Ԉ0    rkstuddurgrunurerumflsunlyfseWilsfyrirvana-ogfknilyfeWaaWtilurWhanshafi {  orWiWmeWWrum;lgmtumhttieWai(mGt݌nF Ќ  "i(m"  i(m2g  b  .3  Ԉ0    rkstuddurgrunurerumrangaafgreiWslulyfseWilsfyrirvana-ogfknilyf.i(m݌9 Ќ    SjkratryggingastofnuninhefuraWgangaWlyfjagagnagrunninumsamrmiviWeftirlits  hlutverkstofnunarinnarsamkvmtlgumumsjkratryggingarYegareitthvertafeftirtldum  skilyrWumeruppfyllt: r ! ! (g00"i(m"  i(m"2g  a  .3  Ԉ0    XegarsannreynaYarfupplUsingarumlyfjasgusjklingsvegnakostnaWareftirlitssjkra e= trygginga.i(m""݌0 Ќ  "i(m"  i(m $2g  b  .3  Ԉ0    TilaWkannalyfjavsanirogvsanavenjurlknavegnaeftirlitsmeWlyfjakostnaWi.i(m $M$݌ Ќ    LandlknirhefuraWgangaWlyfjagagnagrunninumsamrmiviWeftirlitshlutverkembtt  isinssamkvmtlgumumheilbrigWisYj;nustu,lgumumlandlknioglUWheilsuoglgum i YessumYegareitthvertafeftirtldumskilyrWumeruppfyllt: \4 ! ! (g00"i(m"  i(mN'2g  a  .3  Ԉ0    XegarstWaertilaWtlaaWeinstaklingurhafifengiWvsaWmikluafvana-ogfkni ' lyfjumfrmrgumlknum.i(mN'{'݌ Ќ  "i(m"  i(m(2g  b  .3  Ԉ0    XegarstWaertilaWtlaaWlknirhafivsaWvana-ogfknilyfjumsjlfansig.i(m((݌ Ќ  "i(m"  i(m*2g  c  .3  Ԉ0    XegarstWaertilaWtlaaWeinstaklingurhafifengiWvsaWmeiraafvana-ogfkni `  lyfjumeneWlilegtgeturtalisttilteknutmabili.i(m*1*݌S+! Ќ  "i(m"  i(m+2g  d  .3  Ԉ0    TilaWhafaalmennteftirlitmeWlyfjavsunumogfylgjastmeWogstuWlaaWskynsam " legrilyfjanotkunlandsmanna.i(m++݌# Ќ    SjklingurskalhafaaWgangaWeiginlyfjaupplUsingumlyfjagagnagrunni.  $   LknarsemkomaaWmeWferWsjklingsogYurfalyfjasguhansaWhaldavegnameW !W% ferWarinnarskuluhafaaWgangaWlyfjasgusjklingsinslyfjagagnagrunninum.UmtrnaWar- J""& ogYagnarskyldulknaumpers;nulegarupplUsingarsemYeirkomastaWstarfisnu,Y.m.t. #' lyfjaupplUsingar,gildakvWilknalaga,kvWilagaumrttindisjklingaogeftiratvikum #( nnurlgsemviWeiga. $ )   LandlknirskalhafavirkteftirlitmeWaWgangiaWlyfjagagnagrunninumsamkvmt v%N!* kvWiYessu.LandlknirseturverklagsreglurumaWgangaWlyfjagagnagrunninum.0Yeim A&"+  skulum.a.komaframreglurumaWgangsstUringuogrekjanleika.:skieinstaklingureftir  '", &   upplUsingumumYaWhverjirhafaaflaWupplUsingarlyfjagagnagrunniberlandlkniaWveita ( YrupplUsingar.'(1    III.KAFLI a  Gildistaka.  T, 4.gr.  1  LgYessiWlastgildi1.janar2012.  @ #dggAthugasemdirviWlagafrumvarpYetta.#ggd2Ԉ  X   FrumvarpYettavarlagtfram139.lggjafarYingiafvelferWarrWherraenhlautekki K #  afgreiWslu.VelferWarrWuneytiWhefurfariWyfirfrumvarpiW,m.a.meWtillititilumsagnasem    brustheilbrigWisnefndAlYingis.EfnisbreytingarfrYvfrumvarpisemlagtvarfram139.    lggjafarYingierunokkrar.HelstabreytinginersaWsetthefurveriWinnnUttkvWisem   kveWurumaWsjkratryggingastofnunsheimiltaWrekasrstakanlyfjagreiWslugrunnen wO  kvWiWersettinnsamkvmtbendingumsemframkomubrfiPers;nuverndartilvel B  ferWarrWuneytisins,dags.10.ma2011.EinnigerkveWiWumbreytingarlyfjalgum,nr.    93/1994,semfelasraukinnaWgangaWlyfjagagnagrunnitilaWstuWlaaWvirkaraeftirliti,   m.a.meWlyfjanotkunsjklingaoglyfjavsunumlkna.TilaWkomatilm;tsviWumsagnir {  oggera1.gr.skUrariernkveWiWumaWgjaldfyrirlyfskuliveralgrahjldruWum, nF ryrkjumogbrnumogtilgreinteraWgjaldfyrirlyfverWihlutfallsgjaldogYrepaskipteftir 9 uppsfnuWumlyfjakostnaWisjkratryggWstilteknutmabili.SWanergertrWfyrirYv  drgumaWreglugerWaWfjrhWirverWiendurskoWaWarrlegatilaWhlutfallkostnaWarmilli  sjklingaoggreiWsluYtttakasjkratryggingahaldistaWmestu;breyttmillira. r   FyrirkomulaggreiWsluYtttkusjkratryggingastofnunar(Sjkratrygginga0slands,Wur e= Tryggingastofnunarrkisins)lyfjakostnaWihefurveriWtilumrWumeWhlumnokkuW 0 mrgr.Nverandifyrirkomulagfelursrhttumismunungrundvellisjkd;ma,auk  YesssemekkertYakerhversuhargreiWslursjkratryggWseinstaklingsvegnalyfjakaupa  getiorWiW.0n;vember2007skipaWiYverandiheilbrigWisrWherranefndtilaWgeratillgur i aWrttltari,einfaldarioggagnsrrigreiWsluYtttkusjkratryggingakostnaWieinstaklinga \4 vegnalyfjaogannarrarheilbrigWisYj;nustumeWYaWaWleiWarlj;siaWverjaeinstaklingagegn ' humkostnaWi.    NefndinsafnaWitarlegumupplUsingumogmiklarumrWurf;ruframumfyrirkomulag  nUsgreiWsluYtttkukerfis.GertvarrWfyriraWfjrmagnfengistaffjrlgum2009fyrir `  kostnaWiviWframhaldandivinnuenYaWgekkekkieftirogvarnefndinlgWniWurbyrjun S+! rs2009.NUrvinnuh;purvarskipaWurvoriW2010tilaWgeratillguaWnUjugreiWsluYtt " tkukerfilyfjaogbyggWihannvinnufyrrinefndarmeWYaWaWleiWarlj;siaWkomartt # ltaragreiWsluYtttkukerfiogverjaeinstaklingagegnhumogvaxandikostnaWi.Mestvar  $ horfttilgreiWsluYtttkukerfislyfjaDanmrku.Vinnuh;purinnt;ksamanskUrsluumnUtt !W% greiWsluYtttkukerfisjkratryggingavegnalyfjakostnaWarogvoruskUrsludrg,dags.21. J""& okt;ber2010,sendUmsumhagsmunasamtkumtilumsagnar. #'   0nverandikerfimiWastgreiWsluYtttakaviWhverjalyfjavsunoggreiWirsjkratryggWur #( tiltekiWhlutfalluppaWhmarkifyrirhverjalyfjavsun,enekkerthmarkerheildarlyfja $ ) kostnaWisjkratryggWra.0breyttukerfimunsjkratryggWurgreiWalyfinaWfulluuppaWtil v%N!* tekinnifjrhWogsWaneykstgreiWsluYtttakasjkratryggingaYrepumeftirYvsem A&"+ heildarkostnaWureWauppsafnaWurlyfjakostnaWursjkratryggWseykst,miWaWviWt;lfmnaWa  '", tmabil.XegarkostnaWursjkratryggWshefurnWkveWnuhmarkigeturlknirs;ttumfulla '#- greiWsluYtttku.MeWYessukerfierYeimsemnotamestaflyfjumtryggWmeirigreiWslu ( YtttakaenYeimsemnotaminnaaflyfjumogtiltekiWYakheildarlyfjakostnaWsjkra  tryggWratryggt.    TilaWbregWastviWhumupphafsgreiWslumeinstakatilfellumkemurtildmistilgreina a aWminnkaYaWmagnlyfjasemafgreitterhverjusinnieWabj;WauppgreiWsludreifingumeW T, svipuWumhttioggerthefurveriWannarsstaWarNorWurlndum.Einnigmnefnastyrktar  mguleikafyrirYtekjulgstu,sbr.reglugerWumendurgreiWsluumtalsverWumtgjldum  sjkratryggWravegnalknishjlpar,lyfjaogYjlfunar,nr.355/2005,ogreglugerWum   heimilisuppb;toguppbturlfeyri,nr.1052/2009.  X   GerterrWfyriraWYaulyfsemsjkratryggingarhafahingaWtiltekiWYttaWgreiWafalli K #  undirnUttgreiWsluYtttkukerfi.AukYessergertrWfyriraWsUklalyfjumverWibttinn    kerfiW.EkkiergertrWfyriraWS-merktlyffalliundirkerfiWaWsvokomnumlientilstendur    aWendurskoWaS-merkingarlyfja.lllyfinmunuhafasmugreiWslumerkinguogfer   greiWsluYtttakaneftirYvhvaWagreiWsluYtttkuYrepisjkratryggWurerstaddurhverju wO  sinni.SjkratryggingartakaannaWhvortYttgreiWslutiltekinnalyfjaeWaekki.framergert B  errWfyriraWsjkratryggingartakialmennteinungisYttgreiWsluhagkvmustupakkn    ingartilteknumlyfjaflokkum.EinnigergertrWfyriraWYrreglursemgilthafaum   greiWsluYtttkuvegnalyfjasemnotuWeruvegnatilkynningarskyldrasmitsjkd;ma,sbr.11. {  gr.reglugerWarums;ttvarnarWstafanir,nr.414/2007,gildifram.XergertrWfyriraW nF sjkratryggingargetiframsamYykktauknagreiWsluYtttkusrstkumtilvikum,Y.e.Yegar 9 umalvarlegasjkd;maeraWrWa.    Knnunnotkunlyfjaseinnihlutarsins2009ogfyrrihlutarsins2010lyfjagagna  grunnilandlknisleiddilj;smiklafjllyfjanotkun(polyfarmacia)hrlandi.0lj;skom r aWtveireinstaklingarsemflestarlyfjategundirnotuWuumrddutmabilinotuWuhvorum e= sig48lyf.XhfWu1.650mannsnotaW20lyfeWafleiriogum6.500hfWunotaW10lyfeWa 0 fleiri.0framangreindriknnunvorusaWirfrallirsemvorumeWheildarkostnaWundir  297.000kr.ogallirsemhfWueingngufengiWlyfngreiWsluYtttkusjkratrygginga.    MikillvinningurfelstYvaWspornaviW;h;flegrifjllyfjanotkunumleiWogkomiWer i nUjugreiWsluYtttkukerfilyfja,ekkieinungisfjrhagslegurheldureinniglknisfrWilegur \4 YvmguleikarmistkumogmilliverkunumvegnalyfjaaukasthlutfalliviWfjldaYeirra ' lyfjasemtekineru.XvernauWsynlegtaWsamhliWaupptkunUsgreiWsluYtttkukerfisverWi  gripiWtilaWgerWatilaWspornaviW;eWlilegrifjllyfjanotkun.GerterrWfyriraWnUju  greiWsluYtttkukerfiverWiunntaWskjaumlyfjaskrteinieWaauknagreiWsluYtttkutil `  sjkratryggingastofnunarYegarhmarksgreiWslut;lfmnaWatmabiliernW.0tengslum S+! viWYaWgefsttkifritilaWfarayfirlyfjanotkunsjkratryggWra,hafasambandviWviWkom " andilknaog;skaeftirskUringumeWaleiWrttingumstilefnitilYess.GerterrWfyrir # auknumaWgangistofnunarinnaraWlyfjagagnagrunnilandlknis,tilYessaWstofnuningeti  $ sinntYvverkefnisemgerterrWfyrirfrumvarpinu. !W%   SjkratryggingastofnuninmunframgefatlyfjaskrteiniYarsemaukingreiWsluYtttaka J""& ersamYykktaWuppfylltumtilteknumskilyrWumsamkvmtvinnureglumstofnunarinnar. #' LknarskjaumlyfjaskrteinifyrirsjkratryggWa,einsogveriWhefur.MgulegtverWuraW #( skjaumgreiWsluYtttkulyfjumsemfallaekkiundiralmennagreiWsluYtttku.fram $ ) munstofnuningefatlyfjaskrteinifyrirsjklingalknandimeWferWheimahsiogsjk v%N!* lingameWlokastigsnUrnabilun.XaulyfsemYarfaWhaldalknandimeWferWeinstaklingsins A&"+ oglyfkveWnumlyfjalistafyrirsjklingameWlokastigsnUrnabilunverWahinsvegarstrax  '", greiddaWfulluafsjkratrygginumogerYvhaldiWfyrirutannUjagreiWsluYtttkukerfiW. '#- LknarmunuYurfaaWskjaumlyfjaskrteinivegnageWrofslyfjafyrirsjklingameWgeW ( klofaogverWaYaueinnigsjklingistraxaWkostnaWarlausuoghaldiWfyrirutannUjagreiWslu  YtttkukerfiW.    FyrirkomulaglyfjaskrteinatgfuverWur;breyttvarWandilyftilteknumlyfjaflokkum a Yegarhagkvmustulyfinreynast;fullngjandieWaaukaverkanirkomaframafnotkun T, Yeirra.EinnigverWur;breyttfyrirkomulagvarWandilyfviWofvirkniognnurrvandilyf,  lyffyrirsjklingalknandimeWferWheimahsiogdUrarilyfYegarsjkratryggWurafbrUn  umlknisfrWilegumstWumgeturekkinotaWYaWlyfsemgreiWsluYtttakasjkratrygginga   miWastviW.XaWsamagildirumhWkrem,augndropa,vtamnogsambrilegarvrurafbrUn  X umlknisfrWilegumstWumogeinstklyfvegnatiltekinnasjkd;ma.GerterrWfyrir K #  aWstrsturhlutiskrteinatgfuverWitileinstaklingalangtmalyfjameWferWsemnWhafa    hmarksYrepigreiWsluYtttkukerfinuogverWatilYesstluWaWveitasjkratryggWumrtt    tilaWfYaulyfmeWfullrigreiWsluYtttkusjkratrygginga.StilefnitilverWurlyfjanotkun   YessaraeinstaklingasrstaklegaskoWuW,aWhfWusamrWiviWlkniviWkomandi,Wuren wO  lyfjaskrteiniersamYykkt.LyfjaskrteinivegnaeinstaklingameWflogaveiki,Parkinsons B  sjkd;m,krabbamein,grttlffrio.fl.munufallaniWur.LyfjaskrteinisemgefinhafaveriW    ttileinstaklingasemerumrgumlyfjumverWa;YrfYarsemnUjagreiWsluYtttkukerfiW   kemurtilm;tsviWYsemerumrgumlyfjumogYsemYurfaaWgreiWamikiWvegnalyfja. {    FrumvarpiWfelursrbreytingutvennumlgum,Y.e.lgumumsjkratryggingarog nF lyfjalgum.EinforsendafyrirnUjugreiWsluYtttkukerfieraWsjkratryggingastofnunin 9 haldiutanumgreiWslustWusjkratryggWraogupplUsingarumgreiWslustWuYeirraliggifyrir  viWafgreiWslulyfseWlaap;teki.SamkvmtngildandikvWum24.gr.lyfjalagaerlyf  slumskyltaWafhendasjkratryggingastofnunrafrnarupplUsingarumafgreiWslulyfja. r Frumvarpinuerm.a.tlaWaWskj;talagastoWundirstarfrkslusjkratryggingastofnunar e= lyfjagreiWslugrunniYarsemshlutigagnafrap;tekunumsemnotaWurverWurvegnat 0 reikningsgreiWsluYtttkuverWurekkilyfjaupplUsingarheldurkostnaWarupplUsingar,Y.e.  umeraWrWakostnaWargrunnsemheldurutanumkostnaWeinstaklingsvegnalyfjasam  rmiviWreglurumkostnaWarYtttku.ViWafgreiWslulyfseWilsap;tekisendirap;tekfyrir i spurngrunninnrauntmaogfrsamstundistilbakastWueinstaklingsinsoggeturtfr \4 YvreiknaWkostnaWarYtttkusjkratryggingaviWskiptunumYannigaWeinstaklingurinn ' greiWirrttafjrhW.StofnuninYarfYvaWhaldarafrnangagnagrunnyfirYrupplUsingar  semnauWsynlegarerutilaWreiknatgreiWsluYtttkusjkratryggingaoggjaldsjkratryggWs  viWkauplyfjum.0gagnagrunninnYarfaWskrupplUsingarumlyfjakostnaWsjkratryggWra `  enekkiaWrarupplUsingarumlyfjanotkun,svosemheitiogtegundlyfja.0gagnagrunninn S+! YarfaukYessaWskrYrupplUsingarsemnauWsynlegarerutilaWstarfrkjasrstakt " greiWslukerfifyrirlyfjakaup,semogupplUsingarsemlyfjabWirnotatiltreiknings # greiWsluYtttkulyfjumsamkvmtlgumYessum.  $   NauWsynlegteraWlgfestaskUraheimildsjkratryggingastofnunartilaWkomaf;tog !W% rekaslkanlyfjagreiWslugrunnogeinnigYarfaWbreytakvWilyfjalagaumlyfjagagnagrunn J""& inn.GerterrWfyriraWlknarfiaWgangaWlyfjaupplUsingumeinstakrasjklingatilYess #' aWgetarakiWlyfjasguYeirraYeimtilgangiaWaukaryggi,btameWferWogspornaviW #( fjllyfjanotkun.EinnigergertrWfyriraWeinstaklingarfiaWgangaWsnumlyfjaupplUs $ ) ingum.AlluraWganguraWlyfjagrunninumverWurveittursamkvmtskUrumvinnureglum v%N!* landlknisogundirhanseftirliti.LagaYarfhugbnaWarlausniraWYessumbreytingumog A&"+  tryggjaaWYrsusamrmiviWkvWilagaumpers;nuvernd.VegnaYeirrarvinnuog  '", nauWsynlegskynningarstarfs& a  erekkigertrWfyriraWnUttgreiWsluYtttkukerfikomist ( gagniWfyrra.m.k.sexmnuWumeftiraWlgintakagildi.  'a("q  MeWfrumvarpinufylgjadrgaWreglugerWumhiWnUjagreiWsluYtttkukerfilyfja.  GreiWsluYkdrgunumerumiWuWviWmagn-ogkostnaWartlurrsins2010engerterrW a fyriraWreglugerWinniverWikveWiWumaWtlurnarverWiendurskoWaWarrlegaogaW T, hlutfallkostnaWarmillisjklingaoghinsopinberahaldistaWmestu;breytt.Xegarlgintaka  gildiverWurnauWsynlegtaWmiWagreiWsluYkviWfjrlgognUjusturauntlur.  @ AthugasemdirviWeinstakargreinarfrumvarpsins.  X @ Um1.gr. K #    0greininnierkveWiWumgjaldtkuvegnalyfja.GjaldfyrirlyfverWurhlutfallsgjaldog    YrepaskipteftiruppsfnuWumlyfjakostnaWisjkratryggWstilteknutmabiliogskaltiltaka    hlutfall,tmabilogYrepreglugerW.NiuppsafnaWurlyfjakostnaWursjkratryggWsekki   tilteknulgmarkigreiWirsjkratryggWurhannaWfullu.SrstaklegaerkveWiWumaWgjald wO  fyrirYj;nustuskuliveralgrahjldruWum,ryrkjumogbrnum.EinnigerheimiltaW B  kveWareglugerWaWlyfviWtilteknumalvarlegumsjkd;mumsuundanYegingjaldi.0    reglugerWerjafnframtheimiltaWtiltakahmarkeiningalyfjavsunumoggreiWsluYtttku   verW.XerheimiltaWtakmarkagreiWsluYtttkusjkratryggingatilteknumlyfjaflokkum {  viWhagkvmustupakkningar.TilgangurinnkvWisinseraWbreytanverandigreiWsluYtt nF tkukerfiYarsemlyfjakostnaWursjkratryggWsgeturorWiWmjghr,kerfiWerfl;kiWogYaW 9 mismunarsjklingah;pum.TilgangurinnmeWnUjugreiWsluYtttkukerfieraWeinfaldakerfiW  ogaukajafnrWimillisjklingah;pameWYvaWlllyfsemnj;tagreiWsluYtttkusjkra  tryggingaeruniWurgreiddmeWsamahtti.0nUjukerfiverWurhlutursjklingshlutfallslegur, r YannigaWhannmunhafabeinanhagafYvaWveljahagkvmustulyfin.AukYessersettYak e= lyfjakostnaWfyrirhvertt;lfmnaWatmabil.Lyfsemekkinj;tagreiWsluYtttkusjkra 0 tryggingareiknastY;ekkimeWYegarhmarkskostnaWurertalinnsamanogfullgreiWslu  YtttakaeftiraWhmarkiernWfstekkinemalyfjameWferWsvelgrunduW.  @ Um2.gr. \4   0greininnierkveWiWumheimildsjkratryggingastofnunartilYessaWrekalyfjagreiWslu ' grunn.ForsendaYessaWbreyttgreiWsluYtttkukerfivirkiskilvirkanhttoggreiWslustaWa  sjkratryggWraliggifyrirviWafgreiWslulyfseWlaap;tekumeraWtilsgagnagrunnursem  skrirogvinnurYrupplUsingarsemnauWsynlegarerutilaWreiknatgreiWsluYtttku `  sjkratryggingaoggjaldsjkratryggWsviWkauplyfjum.0gagnagrunninnverWaskrWar S+! upplUsingarumlyfjakostnaWsjkratryggWraenekkiaWrarupplUsingarumlyfjanotkun,svo " semheitiogtegundlyfja.0gagnagrunninnverWaskrWarYrupplUsingarsemnauWsynlegar # erutilaWstarfrkjasrstaktgreiWslukerfifyrirlyfjakaupogupplUsingarsemlyfjabWirnota  $ tiltreikningsgreiWsluYtttkulyfjumsamkvmtlgumYessum.kvWiWersettinn !W% samkvmttilmlumPers;nuverndar. J""& @ Um3.gr. #(   0greininnierulagWartilnokkrarbreytingarkvWi27.gr.lyfjalaga,nr.93/1994,er $ ) fjallarumaWgangaWlyfjagagnagrunni. v%N!*   1.!3.mgr.greinarinnareruefnislegasamhlj;WakvWum1.!3.mgr.gildandilaga.Lyfja A&"+ stofnunmunframYurfaaWskjaumaWgangaWlyfjagagnagrunnitillandlknissemveitir  '", stofnuninniaWgangefeitthvertafYeimskilyrWumsemframkomagreininnierfyrirhendi. '#-   04.mgr.ergerterrWfyriraWsjkratryggingastofnuninhafiaWgangaWpers;nuupplUs ( ingumrlyfjagagnagrunnilandlknissamrmiviWeftirlitshlutverkstofnunarinnarYegar  sannreynaYarfupplUsingarumlyfjasgusjklingsvegnakostnaWareftirlitssjkratrygginga  stofnunareWatilaWkannalyfjavsanirogvsanavenjurlknavegnaeftirlitsstofnunarinnar a meWlyfjakostnaWi. T,   05.mgr.erfjallaWumaWganglandlknisaWlyfjagagnagrunni.kvWiWerefnislegasam  hlj;Wa4.mgr.gildandilaga.LgWertilbreyting1.mlsl.5.mgr.semleiWirafbreytingum  semgerWarvorumeWlgumnr.41/2007,umlandlkni,oglknalgum,nr.53/1988,Yegar   kvWilknalagaumeftirlitmeWheilbrigWisstarfsmnnumvorufelldrlgunumog  X hliWstWkvWisettlgumlandlkni. K #    06.mgr.errttaWurrttursjklingstilaWgangsaWeiginlyfjaupplUsingumlyfjagagna    grunni,sbr.lgumsjkraskr,nr.55/2009.TilaWtakaafallanvafaerlagttilaWkveWiWverWi    umYaWlyfjalgumaWeinstaklingarhafiYennanrtt.MeWgreiWuaWgengisjklingaaW   eiginlyfjaupplUsingummdragarhttumistkumviWlyfjatkuoglyfjakaup.AWgangur wO  aWeiginlyfjaupplUsingumerjafnframtsamrmiviWstefnurkisstj;rnarinnarumNetrkiW B  0sland2008!2012Yarsemm.a.erkveWiWumaukiWaWgengiaWpers;nubundnumogal    mennumupplUsingumvrsluopinberraaWila.     Xerlagttil7.mgr.aWlknumsemkomaaWmeWferWsjklingsogYurfalyfjasgu {  hansaWhaldavegnameWferWarinnarverWiveitturaWganguraWYeimupplUsingumlyfja nF gagnagrunni.MikilvgtYykiraWlknarsemkomaaWmeWferWsjklingshafiheildaryfirsUn 9 yfirlyfjanotkunsjklingsoggetiYannigkomiWvegfyriraWvsaWs;eWlilegumagnilyfja  tilhanseWalyfjumsemekkierrWlagtaWnotasamtmis.ryggisjklingsvriYannigbetur  tryggt,engerterrWfyriraWrlegaseinhverfjldisjklingalagWurinntilmeWferWar r sjkrahsivegnarangrarlyfjatku.SamhliWaYverspornaWviWmis-ogofnotkunlyfja. e=   AWlokumerlagttil8.mgr.aWlandlknirhafivirkteftirlitmeWaWgangiaWlyfjagagna 0 grunniogaWhannsetjiverklagsreglurYaraWltandi,einsoggerterrWfyrirgildandilg  um.XerlagttilaWeinstaklingareigirttaWfuppgefiWhverjirhafifengiWupplUsingar  umhannrlyfjagagnagrunniogaWlandlkniberiaWveitaYrupplUsingar. i @ Um4.gr. '   kvWiWYarfnastekkiskUringar.   FylgiskjalI. " cAU?) dE? A^c  #   REGLUGERV !W% umgreiWsluYtttkusjkratryggingaviWkauplyfjum.  J""& (Drg13.okt;ber2011.) #' q@==!1.gr. $ ) @ttGildissviW. v%N!*   0reglugerWYessarierkveWiWumgreiWsluYtttkusjkratryggingaalmannatryggingaviW A&"+ kaupnauWsynlegumlyfjumogumgjaldsemsjkratryggWirgreiWafyrirlyf,sbr.25.gr.og  '", 6.tlul.1.mgr.29.gr.laganr.112/2008,umsjkratryggingar. '#-   & a Sjkratryggingar0slandstakaYttlyfjakostnaWisjkratryggWraeinstaklingasamkvmt ( lgumumsjkratryggingarogreglugerWYessari,endasumaWrWanauWsynleglyf,sbr.3.  mgr.'a(,semlknireWatannlknirhefurvsaWogafgreidderulyfjabWeWahjWrumYeim  semhafaleyfitillyfjaslulndumEvr;pskaefnahagssvWisins.SkilyrWieraWveitthafi a veriWmarkaWsleyfifyrirlyfiW0slandieWaheimildtilmarkaWssetningarYesshrlandi,sbr. T, Y;10.gr.    LyfjagreiWslunefnd,sbr.43.gr.lyfjalaga,nr.93/1994,meWsWaribreytingum,kveWur  hvortsjkratryggingartakaYttgreiWslukostnaWarvegnalyfjasemerumarkaWihr   landi.Umums;knirmarkaWsleyfishafaogumboWsmannaYeirraumgreiWsluYtttkusjkra  X tryggingafersamkvmtreglugerWumlyfjagreiWslunefnd. K #    2.gr.    SjkratryggWir.     SjkratryggWurerssemerbsettur0slandioghefurveriWYaWa.m.k.sWustusexmn wO  uWinaWurenb;taer;skaWrsjkratryggingumaWuppfylltumWrumskilyrWumlagaum B  sjkratryggingar,nemaannaWleiWiafmillirkjasamningum,sbr.10.gr.lagaumsjkratrygg    ingar.MeWbsetuerttviWlgheimiliskilningilgheimilislaga.Brnyngrien18rasem   bsetteruhrlandierusjkratryggWmeWforeldrumsnum.SamaviWumstjpbrnog {  f;sturbrn.AWWruleytigildaumYaWhverjirteljistsjkratryggWirhrlandikvWi nF 10.!16.gr.lagaumsjkratryggingar. 9   Sjkratryggingar0slandskvarWahvorteinstaklingurteljistsjkratryggWur.    3.gr. r GreiWsluYtttakasjkratryggingaoggjaldsjkratryggWs. e=   VegnalyfjasemlyfjagreiWslunefndhefurkveWiWaWsjkratryggingarskulitakaYttaW 0 greiWa,sbr.43.gr.lyfjalaga,skalgreiWslutilhgunverameWeftirfarandihtti,sbr.Y;5.og  8.gr.    GreiWsluYtttakasjkratryggingafereftirheildarkostnaWi,miWaWviWgreiWsluYtttkuverW, i sbr.5.gr.,vegnalyfjasemsjkratryggWurhefurkeyptt;lfmnaWatmabilisemreiknast \4 frfyrstulyfjakaupum.NUtttmabilhefstfyrstaskiptisemsjkratryggWurkaupirlyfeftir ' aWfyrratmabililUkur.    NiheildarkostnaWursamkvmtframansgWut;lfmnaWatmabiliekki22.500kr.taka  sjkratryggingarekkiYttlyfjakostnaWisjkratryggWs.FariheildarkostnaWurt;lfmnaWa `  tmabiliyfir22.500kr.ergreiWsluYtttakasjkratryggingasemhrsegir: S+! ! ! _ikmo(JT00"i(m"  i(m32JT  1  .3  Ԉ0    85%afYeimhlutasemerumfram22.500kr.ogalltaW90.000kr.i(m3`݌" Ќ  "i(m"  i(mU2JT  2  .3  Ԉ0    92,5%afYeimhlutasemerumfram90.000kr.i(mU݌# Ќ    NiheildarkostnaWursemervegnaaldraWseinstaklings,ryrkja,einstaklings60!66ra  $ semnUturellilfeyriseWabarnsyngraen18ra,samkvmtframansgWut;lfmnaWatma !W% biliekki15.000kr.takasjkratryggingarekkiYttlyfjakostnaWihans.FariheildarkostnaWur J""& t;lfmnaWatmabiliframyfir15.000kr.ergreiWsluYtttakasjkratryggingasemhrsegir: #' ! ! q(#30_ikmo"i(m"  i(m2#  1  .3  Ԉ0    85%afYeimhlutasemerumfram15.000kr.ogalltaW60.000kr.i(m+݌#( Ќ  "i(m"  i(m 2#  2  .3  Ԉ0    92,5%afYeimhlutasemerumfram60.000kr.i(m M݌$ ) Ќ    Brnundir18raaldrimeWsamafjlskyldunmersamkvmtskilgreininguXj;Wskrr v%N!* 0slandsskuluteljasteinneinstaklingur.EfsjkratryggWurverWur18raeftirbyrjunt;lfmn A&"+  aWatmabilsreiknastgreiWsluYtttakahlutfallslegaskv.3.mgr.og4.mgr.eftirYvsemviW  '", Yartil& a  tmabilinulUkur.HiWsamagildirefsjkratryggWurverWur67raeWaryrkieftir ( byrjunt;lfmnaWatmabils.  'a(ì  UpphWirskuluendurskoWaWarrlegaYannigaWhlutfallkostnaWarsjklingaoggreiWslu  YtttkusjkratryggingahaldistaWmestu;breyttmillira. a   4.gr.  LeiWrttinggreiWsluYtttkusjkratrygginga/gjaldssjkratryggWs.    EfreiknuWgreiWsluYtttakaviWlyfjakauperumframYaWsemsjkratryggWurttirttskv.   3.gr.skalhnleiWrtttengslumviWnstulyfjakaupsjkratryggWssemsjkratryggingar  X takaYtt. K #    EfreiknuWgreiWsluYtttakaviWlyfjakauperminnienssemsjkratryggWurttirttskv.    3.gr.skalYaWleiWrtttengslumviWnstulyfjakaupsjkratryggWssemsjkratryggingar    takaYtt.     ViWandltsjkratryggWsfellurniWurmgulegurrttursjkratryggingatilleiWrttingaren wO  krfurhendursjkratryggingumskulusettarframsWastalagieinurieftirandltsjk B  lings.UpplUsingumumlyfjakaup,Y.m.t.leiWrttingarfjrhWum,skaleyttrgreiWslugagna    grunniSjkratrygginga0slandseinurieftirandltsjkratryggWs.     5.gr. nF GreiWsluYtttkuverWo.fl. 9 ]  GreiWslasjkratryggingavegnakaupalyfjummiWastaWhmarkiviWgreiWsluYtttku  verW.GreiWsluYtttkuverWlyfs,Y.e.YaWverWsemsjkratryggingarskulumiWagreiWsluYtt  tkusnaviW,erkveWiWaflyfjagreiWslunefnd,sbr.43.gr.lyfjalaga,oggeturveriWeftirfar r andi: e= ! ! q(#33q"i(m"  i(m.2#  1  .3  Ԉ0    ViWmiWunarverWsemerlgstahmarksverWsamheitalyfjaog/eWasamhliWainnfluttra 0 lyfjaognreinnigtilgreiWsluYtttkusjkratryggingahagkvmustupakkningum  tiltekinnalyfjaflokkaskv.6.gr.0YeimtilvikumsemhmarkssmsluverWYesslyfssem  afgreittererhrraenviWmiWunarverWsamkvmtviWmiWunarverWskrgreiWirsjkra i tryggWurYannviWb;tarkostnaWsemtilfellur.LyfjagreiWslunefndgefurtviWmiWunar \4 verWskrsembirtermeWlyfjaverWskr.i(m.[݌' Ќ  "i(m"  i(m2#  2  .3  Ԉ0    HmarkssmsluverWlyfsinssemkvarWaWeraflyfjagreiWslunefndogbirtistYaW  lyfjaverWskr.i(m݌ Ќ  "i(m"  i(m2#  3  .3  Ԉ0    AnnaWverWsemlyfjagreiWslunefndkveWurogbirtistYaWlyfjaverWskr.i(m&݌`  Ќ    GreiWslasjkratryggingafyrirhverjalyfjavsunskalmiWastviWmest100daganotkun S+! oghagkvmustupakkningusamkvmtlyfjaverWskr.SjkratryggingartakaaWjafnaWiekki " YttgreiWslulyfjakostnaWarvegnafleirieneinnarlyfjavsunarfyrirtiltekiWlyfhverju # tmabilinotkunar.  $   6.gr. J""& Hagkvmustupakkningar. #' ѽ  SjkratryggingartakaYttgreiWsluhagkvmustupakkningaATC-lyfjaflokkunumC #( 09(lyfmeWverkunrennang;tensnkerfiW),N06AB(srhfWirser;t;ninendurupptku $ ) hemlar),N06AX(nnurYunglyndislyf),A02BC(pr;t;npumpuhemla),C10A(lyftil v%N!* temprunarbl;Wfitu),R03A(adrenvirklyftilinnWunar),R03B(nnurlyftilinnWunar A&"+ gegnteppusjkd;mumndunarvegi)ogM05B(lyfsemhafahrifbeinbygginguog  '", beinmyndun). '#-   HagkvmustupakkningarATC-flokkunumC09,N06AB,N06AX,A02BCogC10 ( AerumetnartfrverWieiningupakkninguogtakasjkratryggingarYttgreiWsluYeirra  pakkningasemvkjaekkimeiren:  ! ! q(#33q"i(m"  i(mu2#  1  .3  Ԉ0    150%frlgstaeiningaverWi;blnduWumlyfjummeWeinuvirkuinnihaldsefnien10% a blnduWumlyfjummeWa.m.k.tveimurvirkuminnihaldsefnumATC-flokkiC09.i(mu݌T, Ќ  "i(m"  i(m2#  2  .3  Ԉ0    180%frlgstaeiningaverWiATC-flokkumN06ABogN06AX.i(mG݌ Ќ  "i(m"  i(m72#  3  .3  Ԉ0    20%frlgstaeiningaverWiATC-flokkiA02BC.i(m7d݌ Ќ  "i(m"  i(mG2#  4  .3  Ԉ0    50%ATC-flokkiC10A.i(mGt݌  Ќ    HagkvmustupakkningarATC-flokkumR03A,R03BogM05Berumetnartfr  X verWirWlgWumdagskammtipakkninguogtakasjkratryggingarYttgreiWsluYeirra K #  pakkningaseminnihaldadagskammtaervkjaekkimeiren:    ! ! q(#33q"i(m"  i(m2#  1  .3  Ԉ0    290%fr;dUrastadagskammtiATC-flokkumR03AogR03B.i(mH݌   Ќ  "i(m"  i(m92#  2  .3  Ԉ0    20%fr;dUrastadagskammtiATC-flokkiM05B.i(m9f݌  Ќ    XegarumeraWrWapakkningarlyfjaATC-flokkumR03AogR03Bsemeingngu wO  erutlaWarbrnumermiWaWviWverWhlfumrWlgWumdagskammtisbr.samantektum B  eiginleikalyfs(SPC).      SjkratryggingartakaekkiYttgreiWsluannarralyfjaframangreindumlyfjaflokkum   enerY;heimiltaWgefatlyfjaskrteinifyrirgreiWsluYtttkuskv.1.tlul.1.mgr.9.gr. {    7.gr. 9 Lausaslulyf.  p  SjkratryggingartakaekkiYttgreiWslulausaslulyfja(auWkenndmeW?L lyfjaverW  skr)nemaeftirfaranditilvikum: r ! ! q(#33q"i(m"  i(m72#  1  .3  Ԉ0    SjkratryggingartakaYttgreiWslulausaslulyfjaATC-flokkumA12BA01,C01 e= DA02,G03CA04ogS01XA20efYeimervsaWmeWlyfseWli,sbr.2.mgr.5.gr.i(m7d݌0 Ќ  "i(m"  i(m2#  2  .3  Ԉ0    SjkratryggingartakaYttgreiWsluYeirralausaslulyfjasemerumeWskrWgreiWslu  YtttkuverWlyfjaverWskroggefinhafaveriWtlyfjaskrteinifyrir,sbr.9.gr.i(m݌ Ќ    8.gr. \4 UndantekningarfrgreiWsluYtttkusjkratrygginga. '   SjkratryggingartakaekkiYttkostnaWivegnalyfseWilsskyldslyfssemafhenteraf  lyfjafrWingineyWartilfellihafiviWkomandiekkigetaWnWlkni.    Sjkratryggingar0slandstakaekkiYttkostnaWivegnalyfseWilsskyldslyfssemlknir `  vsarsjlfumsrtilnotastarfieWatilnotkunarsjkrahsi,heilsugslustWeWaannarri S+! hliWstWristofnun. "   Sjkratryggingar0slandstakaekkiYttkostnaWivegnalyfseWilsskyldslyfssemvsaW # erskipstj;ra,flugstj;raeWaforsvarsmannifyrirtkiseWastofnunartilnotkunarlyfjakistur  $ skipaeWaloftfaraeWasjkrakassafyrirtkiseWastofnunar. !W%   9.gr. #' Lyfjaskrteini. #(   Sjkratryggingum0slandserheimilteftirfaranditilvikum,samkvmtums;kn,aW $ ) kvarWagreiWsluYtttkueWaauknagreiWsluYtttkusjkratryggingavegnakaupalyfjum v%N!* oggefatlyfjaskrteiniYvtilstaWfestingarsamrmiviWvinnureglursemstofnuninsetur A&"+  sr:  '", ! ! q(#33q"i(m"  i(mI2#  1  .3  Ԉ0    & a  XegarsjkratryggWumerbrUnnauWsynaWnotaumlengritmalyfsemsjkratryggingar ( greiWaekki.ErYheimiltaWtakaYttgreiWsluskv.3.gr.i(mIv݌ Ќ  "i(m"  i(m2#  2  .3  Ԉ0    FyrirsjkratryggWalknandimeWferWheimahsiogsjkratryggWameW'a(Ԁlokastigs  nUrnabiluneWageWklofa.Sjkratryggingum0slandserYheimiltaWundanYiggjasjkra a tryggWangreiWslugjaldsvegnatiltekinnalyfjaeWalyfjaflokka.i(m-݌T, Ќ  "i(m"  i(m/2#  3  .3  Ԉ0    SumaWrWasjkratryggWameWmikla,varanlegaoglknisfrWilegavelrkstudda  Yrffyrirlyfsemgreitthafa64.875kr.ogsamahttaldraWa,ryrkja,einstaklinga  60!66rasemnj;taellilfeyrisogbrnyngrien18rasemgreitthafa45.000kr.er   heimiltaWundanYiggjaYgreiWsluYaWsemeftireraf12mnaWatmabilinu,sbr.3.og  X 5.gr.TilaWspornaviWof-og/eWamisnotkunlyfjaerSjkratryggingum0slandsheimilt K #  aWbindalyfjaskrteiniWviWkveWinnfjldalyfja,tiltekinlyfog/eWalyfjaskammta    samrWiviWlknisjkratryggWs.Sjkratryggingar0slandsgetajafnframtbundiWlyfja    skrteiniWskilyrWumumaWnotuWsu;dUrustulyfinhverjusinniefumeraWveljafleiri   eneittlyfmeWsambrilegaverkan.VeitinglyfjaskrteinisskalvallthWYvaWnotaWar wO  suhagkvmustupakkningastrWirhverjusinni.i(m/\݌B  Ќ  "i(m"  i(m2#  4  .3  Ԉ0    XegarsjkratryggWurafbrUnumlknisfrWilegumstWum,svosemvegnaalvarlegra    aukaverkana,geturekkinotaWYaWlyfsemgreiWsluYtttakasjkratryggingamiWastviW,   sbr.1.tlul.2.mgr.5.gr.,erheimiltaWmiWagreiWsluYtttkuviWhmarkssmsluverW {  viWkomandilyfs.i(m݌nF Ќ  "i(m"  i(m2#  5  .3  Ԉ0    XegarsjkratryggWurafbrUnumlknisfrWilegumstWumYarfaWnotat.d.hWkrem, 9 augndropa,vtamneWasambrilegarvrurerheimiltaWtakaYttgreiWslumhansskv.  3.gr.i(m݌ Ќ    UpphWirskuluendurskoWaWarrlegaYannigaWhlutfallkostnaWarsjklingaoggreiWslu r YtttkusjkratryggingahaldistaWmestu;breyttmillira,sbr.3.gr. e=   10.gr.  LyfsemekkihafamarkaWsleyfieWaeruekkimarkaWihrlandi.    GreiWsluYtttakasjkratryggingavegnakaupalyfjumsemekkihafamarkaWsleyfihr i landi,Y.m.t.stWluWumforskriftarlyfjumlkna,enheimilteraWnotasamkvmtundan \4 Ygu,sbr.7.gr.lyfjalaga,oglyfjummeWmarkaWsleyfisemeruekkimarkaWi0slandi,fer ' skv.4.tlul.2.mgr.43.gr.Yeirralaga.GreiWsluYtttakasjkratryggingaslkumtilvikum  skaltakamiWaf2.mgr.5.gr.eftirYvsemviW.    Sjkratryggingum0slandserheimiltaWtakaYttgreiWslulyfjaalltaW90dagaeftiraW `  markaWsleyfiYeirraertrunniW,sbr.77.gr.reglugerWarnr.141/2011,ummarkaWsleyfifyrir S+! srlyf,merkingarYeirraogfylgiseWla,oglyfjasemfalliWhafarlyfjaverWskrvegnabirgWa " skorts,sbr.6.gr.reglugerWarnr.213/2005,umlyfjagreiWslunefnd,meWsWaribreytingum. #   11.gr. !W% Ums;knirumauknagreiWsluYtttkusjkratryggingaskv.7.og9.gr. J""&   Skjaskalumlyfjaskrteiniskv.9.gr.oggreiWsluYtttkuskv.7.gr.reglugerWarYessarar #' tilSjkratrygginga0slandsYvformisemstofnuninkveWur.UmskjandaerskyltaWveita #( stofnuninniallarnauWsynlegarupplUsingartilYessaWunntsaWtakakvrWunumrtttil $ ) aukinnargreiWsluYtttku,YarmeWalaWheimilastofnuninniaWgangaWnauWsynlegumupp v%N!* lUsingumumhannlyfjagagnagrunnilandlknis. A&"+   EfekkireynistunntaWtakakvrWunumrtttilaukinnargreiWsluYtttku,svoogendur  '", skoWungreiWsluYtttku,vegnaskortsnauWsynlegumupplUsingumsemrekjamtilum '#- skjandaerSjkratryggingum0slandsheimiltaWfrestakvrWunumauknagreiWsluYtttku ( YartilrYverbtt.StofnuninskaltafarlaustgeraviWkomandiviWvarteftilfrestunarkemur  ogskorahannaWveitanauWsynlegarupplUsingar.    12.gr. T, kvarWanirumauknagreiWsluYtttkusjkratrygginga.    Allarums;knirumauknagreiWsluYtttkuskv.7.og9.gr.skuluafgreiddarsvoflj;ttsem  kosturerogskalgreiWsluYtttakanreiknuWfrYeimdegisemumskjandinnhefuruppfyllt   skilyrWintilhennar.  X   AukingreiWsluYtttakaskalaldreikvrWuWlengraafturtmannentvrfrYvaW K #  ums;knog/eWannurggnsemnauWsynlegerutilaWunntsaWtakakvrWunumrtttil    aukinnargreiWsluYtttkuberaststofnuninni.      kvrWunumauknagreiWsluYtttkufellurniWurefgreiWsluYtttakanerekkinUttinnan   t;lfmnaWaenkvarWamgreiWsluYtttkunUefrkstuddums;knberst. wO    GrundvllrttartilgreiWsluYtttkumendurskoWahvenrsemerogsamrmagreiWslu B  YtttkuYeimbreytingumsemorWiWhafa.      13.gr. {  Srreglurfyriratvinnulausa. nF   Einstaklinguraldrinum18!66rasemfrgreiddarfullaratvinnuleysisbtursamkvmt 9 staWfestinguVinnumlastofnunarrttgreiWsluYtttkusjkratryggingavegnakaupa  lyfjumsamahttogaldraWirogryrkjarnj;tasamkvmtreglugerWYessari.    14.gr. e= Stj;rnsUslukrur. 0   Rsigreiningurumgrundvll,skilyrWieWaupphWgreiWsluYtttkuvegnakaupalyfj  umsamkvmtreglugerWYessarierheimiltaWkrakvrWunSjkratrygginga0slandstilr  skurWarnefndaralmannatryggingasamkvmtlgumumalmannatryggingar. i   KratilrskurWarnefndaralmannatryggingaskalveraskriflegogskalhnborinfram \4 innanYriggjamnaWafrYvumskjandavartilkynntumkvrWun.skrifstofumSjkra ' trygginga0slandsskululiggjaframmieyWublWYessuskyniogveitastarfsmennstofnunar  innarnauWsynlegaaWstoWviWtfyllinguYeirra.    Sjkratryggingar0slandsskulultanefndinnitllggnmls,svoogYrupplUsingar `  ogskUringarernefndintelurYrf. S+!   15.gr. # Tilkynningarskyldasamkvmttilskipun89/105/EB  $ umgagnkvmarrWstafanirervarWaverWlagningulyfjasemtluWeru !W% mnnumogYtttkuinnlendrasjkratryggingagreiWsluYeirra. J""&   TilkynnaskalhandhfummarkaWsleyfaeWaumboWsmnnumYeirraallarbreytingar #' reglugerWYessarisemhafahrifgreiWsluYtttkusjkratryggingavegnaYeirralyfjaer #( markaWsleyfiYeirratakatil.TilkynningunniskaleftirYvsemviWfylgjalitsrfrWinga $ ) eWatilmlisembreytingarnarbyggjast.XskuluYeimkynntYaulagarrWisemYeirgeta v%N!* nUttsrsamkvmtgildandilgumogsfrestursemYeirhafatilYess. A&"+    '", & a    16.gr. ( Gildistaka.  'a(  ReglugerWYessi,semsettermeWstoW25.gr.,1.mgr.29.gr.og55.gr.laganr.112/  2008,umsjkratryggingar,Wlastgildixx.xx.2012.JafnframtfellurrgildireglugerWnr. a 403/2010,umgreiWsluYtttkusjkratryggingaviWkauplyfjum,meWsWaribreytingum. T, @ VelferWarrWuneytinu,xx.xx.2012.   Fylgiskjal.     [ AU?) dE? A^  [     FjrmlarWuneyti, wO  fjrlagaskrifstofa: B     Umsgnumfrumvarptillagaumbreytingulgum umsjkratryggingar,   nr.112/2008,oglyfjalgum,nr.93/1994(greiWsluYtttakalyfjakostnaWi). {      FrumvarpYettavarlagtfram139.lggjafarYingi,enhlautekkiafgreiWslu.VelferWar nF rWuneytiWhefurfariWyfirfrumvarpiW,meWalannarsmeWtillititilumsagnasembrustheil 9 brigWisnefndAlYingisogerYaWnlagtframaWnUjumeWtluverWumefnislegumbreyt  ingum.    MegintilgangurfrumvarpsinseraWkomanUjugreiWsluYtttkukerfisjkratrygginga r rkisinskostnaWivegnalyfja.BreytingarkerfinuerutaldarnauWsynlegarYarsemnver e= andikerfiYykirverafl;kiWoggeturfaliWsrmismununmillisjklingaaWUmsuleyti.0 0 frumvarpinuerlgWtilbreytingkvWigildandilagaumgjaldfyrirlyftilsjkratryggWra  aukYesssemrWgerteraWsetjasamhliWaYvnUjareglugerWumgreiWsluYtttkusjkra  tryggingaviWkauplyfjum.EinnigerkveWiWumheimildsjkratryggingastofnunartilYess i aWrekalyfjagreiWslugrunnenYaWertalinforsendaYessaWbreyttgreiWsluYtttkukerfis \4 skilvirkt.LyfjagreiWslugrunnurinnmunt.a.m.innihaldaYrupplUsingarsemnauWsynlegar ' erutilaWreiknatgreiWsluYtttkusjkratryggingaognotendaviWkauplyfjum.XerlgW  tilbreytinglyfjalgumsemertlaWaWbtaaWgengiaWlyfjagagnagrunnilandlknisog  stuWlaaWvirkaraeftirliti,meWalannarsmeWlyfjanotkunsjklingaoglyfjavsunumlkna. `  EkkiverWursWaWbreytinglyfjalgumhafieinhvernkostnaWfrmeWsr. S+!   HreftirerfjallaWsamhliWaumkostnaWarhrifaffrumvarpinuogreglugerWinni.Gert " errWfyriraWYessarbreytingartakigildi1.janar2012.MarkmiWiWmeWnUjugreiWslu # YtttkukerfieraWgeragreiWsluhlutdeildeinstaklingakostnaWivegnalyfjaeinfaldariog  $ gagnsrriogaWeinstaklingarYurfiekkiaWberasjlfirmjghanlyfjakostnaWheldurein !W% ungisuppaWtilteknumarki.AukYesserbreytingunumtlaWaWjafnabeturgreiWsluhlutdeild J""& millisjkratryggWraeinstaklingameWYvaWfellalllyfsemrkiWtekurYttaWgreiWa #' einnflokkstaWYessaWnergreiWsluYtttakanmismikileftirlyfjaflokkum. #(   0frumvarpinuerfyrstalagiopnaWfyrirmguleikannYvaWsjkratryggWirgreiWi $ ) kostnaWaWfulluuppaWtiltekinniviWmiWunarfjrhWinnan12mnaWatmabils.Samkvmt v%N!* nverandifyrirkomulagimiWastgreiWsluYtttakaviWhverjalyfjavsun,Yarsemsjkra A&"+ tryggWirgreiWakveWiWhlutfalluppaWtilteknuYakifyrirhverjalyfjavsunsemermismun  '", andieftirlyfjaflokkum.GerterrWfyriraWnUjureglugerWinniverWiviWmiWunarfjrhWin '#- 22,5Ys.kr.fyriralmennanotendurenlgrifjrhWeWa15Ys.kr.fyriraldraWa,ryrkja, ( lfeyrisYegaaldrinum60!66raogbrnyngrien18ra.    0WrulagiergertrWfyriraWgjaldtakaverWibWiYrepaskiptoghlutfallslegstaWYess  aWhnseinungishlutfallsleg.0reglugerWinnierkveWiWumaWgreiWsluYtttakarkissj;Ws a faristighkkandimeWhkkandilyfjakostnaWisjkratryggWraeinstaklingayfir12mnaWa T, tmabil.GreiWsluYtttakarkisinsverWi85%aflyfjakostnaWibilinu22,5!90Ys.kr.fyrir  almennanotendurenfyrirh;pameWlgrigreiWslumrkverWihn85%fyrirlyfjakostnaW  bilinu15!60Ys.kr.GreiWsluYtttakanhkkarsvo92,5%farihannyfirefrimrkhjbW   umh;pum.XverWiSjkratryggingum0slandsheimilttengslumviWtgfulyfjaskrteina  X aWsetjaYakgreiWslursjklinga.MiWaWerviWtpar65Ys.kr.hjalmennumnotandaog K #  45Ys.kr.hjf;lkimeWlgrigreiWslumrk.0nverandikerfierekkerthmarksett    greiWslursjkratryggWra.GerterrWfyriraWatvinnulausireinstaklingargetis;ttumaW    greiWslurYeirramiWistviWlgrigreiWslumrkin.XereinnigkveWiWumaWtmabiliWsem   viWermiWaWverWi;hWalmanaksriogaWYaWhefjistviWfyrstulyfjakaupsjklingsogljki wO  t;lfmnuWumsWar.NUttgreiWslutmabilhefstsvoviWfyrstukaupeftiraWfyrratmabili B  lUkur.ReglugerWingerirrWfyriraWframangreindarfjrhWirverWiendurskoWaWarrlega    YannigaWhlutfallkostnaWarsjklingaoggreiWsluYtttkusjkratryggingahaldistaWmestu   ;breyttmillira. {    0YriWjalagiertluninaWlllyfsemrkiWtekurYttaWgreiWaverWisetteinnflokkog nF YannigverWistuWlaWaWmeirajafnrWimillisjklingah;pa.0nverandikerfiergreiWsluYtt 9 takan;lkeftirlyfjaflokkum.GreiWslumerkingumverWurYvfkkaWrfimmtvr.RkiW  takiYannigannaWhvortYttgreiWslutiltekinnalyfjaeWaekki.    0fj;rWalagiergertrWfyrirheimildreglugerWinnifyrirYvaWgefatlyfjaskrteini r vegnageWrofslyfjaYannigaWsjkratryggingargreiWiaWfullufyrirYau. e=   Btgjldrkissj;WsvegnagreiWsluYtttkulyfjakostnaWisjklinganemahtt13mia.kr. 0 riogeruverulegurhlutiheilbrigWistgjalda.Undanfarinr,kjlfaralYj;Wleguefnahags  kreppunnar,hefurveriWgripiWtilUmissarWstafanahrlandilktogvWaumheimtilaW  stemmastiguviWtgjldumhinsopinberaYessusviWi,m.a.meWYvaWsetjameiriskorWur i viWYtttkuhinsopinberaogmeWYvaWbreytaregluverkiYannigaWYaWfelisrmeiri \4 hvatatilminnioghagkvmarilyfjakaupa.NWsthefurgturrangurYessumefnumhr ' landiaWundanfrnusemhafWifrmeWsraWtgjldrkisinsvegnaalmennrarlyfja  notkunarlkkuWuum7%milliranna2009og2010fstuverWlagiYegartekiWhefurveriW  tillittilgengisbreytinga.SlkarbreytingarsemsnertaverWlagningar-oggreiWsluYtttku `  kerfintakanokkurntmatilaWhafahriflyfjaneyslunaogfelaYarmeWsrnokkra;vissu S+! umYr;unhennarYannigaWerfiWaraverWurumvikaWtlatgjaldahorfurogmetahrifaf " nUjukerfi. #   SjkratryggingastofnunhefurgerttreikningtluWumkostnaWiviWnUttgreiWsluYtt  $ tkukerfisamkvmtYessufrumvarpi.Btreikningurinnbyggistlyfjanotkunrsins2010 !W% samkvmttlfrWigagnagrunnistofnunarinnarseminniheldurupplUsingarumlyfseWlasem J""& ap;teksendainnmeWrafrnumhtti.MiWaWviWYtkomu,formumaWgeWrofslyfverWi #' sjklingumaWkostnaWarlausu,a.m.k.1%raunvxtlyfjakostnaWarmilliraogumreikning #( yfirgengisforsendurfjrlaga2011mgerarWfyriraWstlunjafngildium8.750m.kr. $ ) kostnaWifyrirrkissj;Wrsgrundvelli.RaunvxturYessaratgjaldamillirahefurraunar v%N!* faliWsrtalsvertmeiriaukningulyfjanotkunarenm;tiYvhefurvegiWbreyttsamsetning A&"+  lyfjategundaYarsemnotkuninhefurfrstmeirardUrarilyfjategundum;dUrari.  '", & a      Samkvmtgildandifjrlgumerum8.450m.kr.fjrheimildtilrWstfunartilniWur ( greiWslnaalmennumlyfjum,Y.e.YegarS-merktlyferuundanskilin.Stgjaldarammi  'a(z(innifelurformumaWhaldsaWgerWirsemeigaaWskila400m.kr.sparnaWirinusamkvmt  tfrsluvelferWarrWuneytisinsaWhaldsmarkmiWumsnumfjrlgum2011.Samkvmt a YessumtlaaWrlegurkostnaWurviWnUjagreiWsluYtttkukerfiWeinsogYaWersettfram T, frumvarpinugtiorWiWum300m.kr.umframgildanditgjaldarammafjrlaga.0Yv  sambandimbendaaWmeWYvaWhnikatilviWmiWunumfyrirhelstuforsendumgreiWslu  YtttkunnivriunntaWaWlagakerfiWforsendumfjrlagaogmeWnokkrumeiritilfrslu   YeimvikmrkummttijafnvelnframennfrekarilkkunYessaratgjaldarkissj;Wsog  X stuWlaaWmeirihagkvmnimeWaukinnikostnaWarvitundlyfjanotendaoglkna.Semdmi K #  mtakaaWvruYrfjrhWirhkkaWarsemmiWaWerviWWurensjkratryggingartakaYtt    lyfjakostnaWioghafWar30Ys.kr.hjalmennumnotendumog20Ys.kr.hjWrumttu    YessitgjldaWverWaum400m.kr.lgri.VriYessutilviWb;tarhlutdeildarpr;sentasjk   lingahkkuWhvoruYrepium5pr;sentustig,miWaWviWYaWsemgerterrWfyrirfrum wO  varpinu,gtiniWurgreiWslarkisinslkkaWum500m.kr.tilviWb;tarogYvmundutgjldin B  lkkasamtalsum900m.kr.      EkkiergertrWfyriraWnUjagreiWsluYtttkukerfiWniyfirS-merktlyfenvelferWar   rWuneytiWformaraWhefjavinnuviWendurskoWunslkralyfjaoggtuYaukjlfarfalliW {  undirgreiWsluYttkukerfiW.0YvsambandierrttaWvekjaathygliaWbreytingargreiWslu nF YtttkuS-merktralyfjagetahaftumtalsverWhriftgjldrkissj;Ws.FjrheimildSjkra 9 trygginga0slandsvegnaS-merktralyfjaerutpar4.500m.kr.gildandifjrlgumenhorfur  eruaWtgjldinverWilangtumframfjrheimild.Hinsvegareruengartlanirfyrirliggj  andihjvelferWarrWuneytinutilaWbregWastviWYessumtgjaldavanda. r   VegnabreytingannagreiWsluYtttkukerfinuogreksturslyfjagreiWslugrunnsinsergert e= rWfyriraWbtaYurfiviWtveimurstrfumhjSjkratryggingum0slands.Launogannar 0 kostnaWurvegnaYeirrastarfaertlaWurum17m.kr.ri.ErYgertrWfyriraWsjmanns  starfiaWtgfulyfjaskrteinanUjakerfinuogfjldiskrteinaverWibilinu23!25Ysund  ri.AukYessaYarfaWfjrfestanUjumhugbnaWitilaWhaldautanumgreiWslustWu i sjklinga.EinskiptisstofnkostnaWurviWYaWertlaWur15m.kr.ogergertrWfyriraWr \4 legurrekstrarkostnaWurviWbnaWinnnemisWan3m.kr. '   Heildarnotkunlyfjahrlandimldsvonefndumskilgreindumdagskmmtumhefur  aukistumrmlega4%rlegaaWmeWaltalifrrinu2003.samatmahefurrlegba  fjlgunveriW1,2%.XettageturvarlatalistheillavnlegYr;untillengritmalitiWoghlUtur `  aW;breyttuaWleiWatilmeiritgjaldavaxtarYessusviWienWrum.MeWtillititilnverandi S+! aWstWnarkisfjrmlumerurkarstWurtilYessaWleitastverWiviWaWstemmastiguviW " YessumtgjldummeWmeirigreiWsluYtttkuogkostnaWarvitundlyfjanotendaenn # verandikerfi.EkkiverWursWaWYaWssjlfstttmarkmiWmeWfrumvarpinuaWstuWlaaW  $ Yv.SeinfldunkerfinusemfelstfrumvarpinukannY;sjlfusraWleiWatilmeiri !W% skilvirkniogbetrinUtingarfjrmunumaWeinhverjumarki. J""&   AWframangreindumrWaaWverWifrumvarpiWlgfest;breyttognUreglugerWum #' greiWsluYtttkusjkratryggingalyfjakostnaWitekurgildi1.janarnk.munutgjld #( rkissj;WsaWllumlkindumaukastallnokkuWfrYvsemannarsvri;breyttukerfi. $ ) rsgrundvellimteljaaWYauumframtgjldgtuorWiWbilinu200!320m.kr.miWaWviW v%N!* YrforsendursemfyrirliggjaenhafaberhugaaWtalsverW;vissaerumYr;unYeirrasvo A&"+ semvarWandibreytingarlyfjanotkunmismunandilyfjaflokkum,gengikr;nunnaro.fl.0  '", frumvarpitilfjrlaga2012semlagtvarframAlYingibyrjunokt;bersl.ergertrWfyrir '#- tgjldumvegnalyfjagreiWslugrunnsins.0fjrlagafrumvarpinuhefureinnigveriWgertrW ( fyrirumtalsverWrihkkunfjrheimildtilgreiWsluYtttkulyfjakostnaWiYarsemaWhalds  formvelferWarrWuneytisinsmlaflokknumhafaekkigengiWaWfullueftirogvegnaann  arraveikleikasemframhafakomiWyfirstandandiri.FramangreindtgjldsemleiWakann a afbreyttugreiWsluYttkukerfittuYvaWWru;breyttuaWgetarmastinnanrammafjr T, heimildarinnaraWYvgefnuaWformvelferWarrWuneytisinsfjrlagafrumvarpinuumnUjar  aWhaldsrWstafanirsemnemi120m.kr.gangieftir.