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9XX-?vbX-#ggdd  8IadXXd8ISIS,.      9`=?Z_2t1L9?vb`(  0  )0  ISUS.,,,..TRW6&A4X3' Letter 6&A43'LetterTXXXX ? 9XX-?vbX-#ggdd  8IadXXd8    _ISUS.,,,..T@RW6&A4X3' Letter 6&A43'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4T@@ @?@ 9XX-?vbX-#ggdd  8IadXXd8ISIS,. @ @   9`=?Z_2t1L9?vb`  (  1  )0    StjtW._ESB_ԀL25,29.1.2009,_bls_.28. _ISUS.,,,..T@RW6&A4X3' Letter 6&A43'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4T@@ @?@ 9XX-?vbX-#ggdd  8IadXXd8ISIS,. @ @   9`=?Z_2t1L9?vb`  (  2  )0    StjtW._ESB_ԀL157,9.6.2006,_bls_.87. _ISUS.,,,..T@RW6&A4X3' Letter 6&A43'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4T@@ @?@ 9XX-?vbX-#ggdd  8IadXXd8ISIS,. @ @   9`=?Z_2t1L9?vb`  (  1  )0    StjtW._ESB_ԀL177,4.7.2008,_bls_.6. ~_ISUS.,,,..T@RW6&A4X3' Letter 6&A43'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4T@@ @?@ 9XX-?vbX-#ggdd  8IadXXd8ISIS,. @ @   9`=?Z_2t1L9?vb`  (  1  )0    StjtW.EBL184,17.7.1999,_bls_.23. }_ISUS.,,,..T@RW6&A4X3' Letter 6&A43'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4T@@ @?@ 9XX-?vbX-#ggdd  8IadXXd8ISIS,. @ @   9`=?Z_2t1L9?vb`  (  2  )0    StjtW.EBL56,4.4.1964,_bls_.878. ~_ISUS.,,,..T@RW6&A4X3' Letter 6&A43'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4T@@ @?@ 9XX-?vbX-#ggdd  8IadXXd8ISIS,. @ @   9`=?Z_2t1L9?vb`  (  3  )0    StjtW.EBL228,16.8.1973,_bls_.20. ~_ISUS.,,,..T@RW6&A4X3' Letter 6&A43'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4T@@ @?@ 9XX-?vbX-#ggdd  8IadXXd8ISIS,. @ @   9`=?Z_2t1L9?vb`  (  4  )0    StjtW.EBL189,13.7.1976,_bls_.13. _ISUS.,,,..T@RW6&A4X3' Letter 6&A43'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4T@@ @?@ 9XX-?vbX-#ggdd  8IadXXd8ISIS,. @ @   9`=?Z_2t1L9?vb`  (  5  )0    StjtW.EBL339,27.12.1984,_bls_.21. _ISUS.,,,..T@RW6&A4X3' Letter 6&A43'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4T@@ @?@ 9XX-?vbX-#ggdd  8IadXXd8ISIS,. @ @   9`=?Z_2t1L9?vb`  (  6  )0    StjtW._ESB_ԀL235,23.9.2003,_bls_.10 {_ISUS.,,,..T@RW6&A4X3' Letter 6&A43'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4T@@ @?@ 9XX-?vbX-#ggdd  8IadXXd8ISIS,. @ @   9`=?Z_2t1L9?vb`  (  7  )0    StjtW.EBL9,15.1.2003,_bls_.3. _ISUS.,,,..T@RW6&A4X3' Letter 6&A43'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4T@@ @?@ 9XX-?vbX-#ggdd  8IadXXd8ISIS,. @ @   9`=?Z_2t1L9?vb`  (  1  )0    StjtW._ESB_ԀC321,31.12.2003,_bls_.1. ~_ISUS.,,,..T@RW6&A4X3' Letter 6&A43'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4T@@ @?@ 9XX-?vbX-#ggdd  8IadXXd8ISIS,. @ @   9`=?Z_2t1L9?vb`  (  1  )0    StjtW.EBL222,14.8.1978,_bls_.11. _ISUS.,,,..T@RW6&A4X3' Letter 6&A43'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4T@@ @?@ 9XX-?vbX-#ggdd  8IadXXd8ISIS,. @ @   9`=?Z_2t1L9?vb`  (  1  )0    StjtW._ESB_ԀL390,31.12.2004,_bls_.38. ~_ISUS.,,,..T@RW6&A4X3' Letter 6&A43'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4T@@ @?@ 9XX-?vbX-#ggdd  8IadXXd8ISIS,. @ @   9`=?Z_2t1L9?vb`  (  1  )0    StjtW.EBL375,31.12.1985,_bls_.3. _ISUS.,,,..T@RW6&A4X3' Letter 6&A43'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4T@@ @?@ 9XX-?vbX-#ggdd  8IadXXd8ISIS,. @ @   9`=?Z_2t1L9?vb`  (  1  )0    StjtW._ESB_ԀL309,25.11.2005,_bls_.15. ~_ISUS.,,,..T@RW6&A4X3' Letter 6&A43'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4T@@ @?@ 9XX-?vbX-#ggdd  8IadXXd8ISIS,. @ @   9`=?Z_2t1L9?vb`  (  1  )0    StjtW.EBL126,12.5.1984,_bls_.20. _ISUS.,,,..T@RW6&A4X3' Letter 6&A43'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4T@@ @?@ 9XX-?vbX-#ggdd  8IadXXd8ISIS,. @ @   9`=?Z_2t1L9?vb`  (  1  )0    StjtW._ESB_ԀL3,7.1.2004,_bls_.34. }_ISUS.,,,..T@RW6&A4X3' Letter 6&A43'LetterTXXXXT@RW6&A4W6&A4 6&A4 6&A4T@@ @?@ 9XX-?vbX-#ggdd  8IadXXd8ISIS,. @ @   9`=?Z_2t1L9?vb`  (  1  )0    StjtW.EBL78,26.3.1977,_bls_.17.Table_A_ ISUS.,,,..TRW6&A4X3' Letter 6&A43'LetterTXXXXTRW6&A4W6&A4 6&A4 6&A4T ? 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HeimaaWildarrkiWskalgerakrfuumaWhvert  flagsems;tterumstarfsleyfifyrir: xP a)0  hvaWvtryggingaflgvarWar,aWYautakmarki ` rekstrartilgangsinnviWvtryggingarogtengda 4  starfsemiogstarfsemisemrakinverWurbeinttil  hennar,kostnaWallraannarraviWskipta,d b)0  hvaWendurtryggingaflgvarWar,aWYautak t markirekstrartilgangsinnviWendurtryggingarog H  tengdastarfsemi,YessikrafageturtekiWtilhlut   verksogstarfsemieignarhaldsflagssemtengist x! fjrmlastarfsemiskilningi8.mgr.2.gr.til L$" skipun2002/87/EB,# c)0  leggiframrekstrartlunsamrmiviW23.gr.,!$ d)0  haldiviWurkennteiginftilaWstandastraumaf "% algjrulgmarkilgmarkseiginfjrkrfusem "& kveWiWerumdliW1.mgr.129.gr.,p#H' e)0  aWfrasnnuraWYaWverWiframstWutilaW $X ( haldaviWurkenndueiginftilaWnyfirgjald ,%!) Yolskrfuna,einsogkveWiWerum100.gr.,%!* f)0  aWfrasnnuraWYaWverWiframstWutilaW &"+ haldaviWurkenndueiginftilaWnyfirgjald 'l#, Yolskrfuna,einsogkveWiWerum128.gr.,@($- g)0 J aWfrasnnuraWYaWverWistWutilaWvera (- samrmiviWstj;rnkerfiWsemumgetur2. . 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J MeWfyrirvaraumaWramlsgreinskalvtrygg O ingaflagsemannastskaWatryggingarsemtakatil h@P httnasemtaldareruupp1.eWa2.greinaflokki Q AhlutaI.viWaukaoghyggstftvkkaWstarfsleyfi R tilaWnyfirhttursviWilftryggingasemum l DS getur73.gr.,sUnaframaWYaW: !T a)0 J hafiyfiraWrWaviWurkenndueiginftilaW ("U standastraumafalgjrulgmarkilgmarkseigin "V fjrkrfufyrirlftryggingaflgogalgjrtlg #XW marklgmarkskrfuumeigiWfhvaWvarWar ,$ X skaWatryggingaflg,einsogumgeturdliW1. $ Y mgr.129.gr.,%\!ZJJ b)0 J skuldbindisigtilaWstandaframstraumaflg &l"[ marksfjrskuldbindingumsemumgetur3.mgr. @'#\ 74.gr.$'#]JJ $  19.gr. (  Nintengsl 8  gEfnintengslerumillivtryggingaflagsinseWa H  endurtryggingaflagsinsogannarraeinstaklingaeWa  lgaWilaskulueftirlitsyfirvldeinungisveitaleyfief x sUnteraWYessitengslkomiekkivegfyriraWYau L$ sinnieftirlitshlutverkisnu.  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J 0rekstrartlun,semumgeturcliW1.mgr.18. d<C gr.,skaltilgreinaeinstkatriWieWastaWfestingu D eftirfarandi: E a)0 J eWliYeirrarhttueWaskuldbindingasemviW F komandivtrygginga-eWaendurtryggingaflag xPG hyggsttryggjagegn,$HJJ b)0 J fyrirkomulagendurtryggingumsemendur 4 I tryggingaflagiWleggurtilviWendurtrygginga J flgin,dKJJ c)0 J meginreglurumendurtryggingar,tLJJ d)0 J YttirviWurkenndseiginfjrsemstandafyriral M gjrtlgmarklgmarkseiginfjrkrfu,X0NJJ e)0 J tlaWankostnaWviWaWkomaupprekstrar h@O aWstWuogskipulagitilaWtryggjaframhaldandi  P starfsemi,fjrmagnsemtlaWeraWstanda  Q straumafhonumog,efhttansemtryggter l!DR gegnflokkast18.flokkAhluta1.viWauka,r "S rWisemvtryggingaflagiWhefuraWgangaWtil "T aWveitaYaWstoWsemheitiWhefurveriW.p#HUJJ 2. 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X. liWAYttarI.viWaukaviWtilskipun2004/39/EB,aW ,/ YvtilskilduaWYessirttindisuekkinUtteWanotuW 0 annanhtttilaWhlutasttilumstj;rntgefandans \1 ogaWYeimsrWstafaWinnaneinsrsfryfirtk 02 unni. 3   25.gr.  4  Synjunstarfsleyfis  5  E0kvrWunumsynjunstarfsleyfisskuluallarstWur  6 tilgreindarogskalviWkomandiflagitilkynntum  7 Yr. d < 8 AWildarrkiskulusjtilYessaWsynjunstarfsleyfi tL 9 megifrUjatild;mst;la.   : SamaskalgildaYvtilvikiYegareftirlitsyfirvld 0 ; hafaekkitekiWafstWutilums;knarumstarfsleyfitil  < umfjllunarinnansexmnaWafrm;ttkuhennar. ` =   26.gr. p>  FyrirframsamrWviWyfirvldannarra ? aWildarrkja T,@  1. 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J ViWkomandiyfirvld,semumgetur1.og2.(|$Y mgr.,skulueinkumhafasamrWsnmilliviWmat ( hfihluthafannaoghfnis-ogheiWarleikakrafna  semgerWarerutilallraeinstaklingasemreynd X stj;rnaeWagegnaWrulykilhlutverkiYvfyrirtki , semtekurYttstj;rnunannarrareiningarsmu  samstWu. \ XauskuluveitahvertWruallarupplUsingarumhfi l hluthafaogumhfnis-ogheiWarleikakrfursem @  gerWarerutilallraeinstaklingasemreyndstj;rna   eWagegnaWrulykilhlutverkiflaginu,ogsem  p  skiptamlifyrirnnurviWkomandi,lgbryfirvld D   semkomaaWmlinuvegnaleyfisveitingareWa    yfirstandandimatsYvhvortrekstrarskilyrWisu  t  uppfyllt. H    III.KAFLI X0   Eftirlitsyfirvldogalmennarreglur h@   27.gr. xP   MeginmarkmiWiWmeWeftirliti `  ޠ AWildarrkiskulusjtilYessaWeftirlitsyfirvldum p suveittllnauWsynlegrrWi,ogbiyfirviWeig D andisrYekkingu,getu,ogumboWitilaWnfram  meginmarkmiWinumeWeftirliti,nnartiltekiWvernd t vtryggingartakaogrtthafa. H    28.gr. X0  FjrhagslegurstWugleikiogsveifluaukning h@ 2 MeWfyrirvaraummeginmarkmiWiWmeWeftirliti, xP einsogYaWersettfram27.gr.,skuluaWildarrkin $ tryggja,viWframkvmdalmennraskyldnasinna,aW  eftirlitsyfirvldtakimeWviWeigandihttitilathug |T unarmguleghrifkvarWanaYeirrastWugleika ( fjrmlakerfisinsEvr;pusambandinu,einkumef  neyWarstandskapast,meWtillititilupplUsingasem X YvoruaWgengilegar. ,  Xegarhreyfingarerusrstaklegamiklarfjrmla <! mrkuWumskulueftirlitsyfirvldtakatillittil " sveifluaukandihrifasemathafnirYeirragetamgu l# legavaldiW. @ $   29.gr. P!(%  Meginreglurumeftirlit `"8&  1.  FramvirknlgunognlgunbyggWhttumati p#H' skululagWareftirlititilgrundvallar.MeWeftirlitinu $( skalstWugtsannpr;faWaWvtrygginga-ogendur $ ) tryggingastarfsemisstarfrktmeWrttumhttiog t%L!* aWfariWsaWeftirlitskvWumvtryggingaflaga,  &!+ Y.m.t.endurtryggingaflaga. &",  2.  EftirlitmeWvtryggingaflgum,Y.m.t.endur '#- tryggingaflgum,& X  skalveraviWeigandiblandaaf (- starfsemiutanvettvangsogvettvangsskoWunum.'X(ǩ . 3. J AWildarrkiskulutryggjaaWkrfunumsemmlt / erfyrirumYessaritilskipunsbeittsamrmiviW h0 eWli,umfangogYfl;knuhttuseminnbyggWer <1 starfsemivtrygginga-ogendurtryggingaflaga. 2 4. J Framkvmdastj;rninskaltryggjaaWfram 3 kvmdarrWstafanirtakitillittilmeWalh;fsreglunnar  |4 ogtryggjaYarmeWaWYessaritilskipunsbeitth;f P (5 samlega,einkumhvaWvarWarltilvtryggingaflg.  6   30.gr.  7  EftirlitsyfirvldoggildissviWeftirlitsins  8  1. J FjrmlaeftirlitmeWvtryggingaflgum,Y.m.t. , 9 endurtryggingaflgum,Y.m.t.eftirlitmeWstarfsemi  : semYaureka,annaWhvortfyrirmilligngutiba \ ; eWasamkvmtfrelsitilaWveitaYj;nustu,skalalfar 0 < iWverabyrgWheimaaWildarrkisins.  = 2. J Fjrmlaeftirlit,skv.1.mgr.,skaltakatilsann  > pr;funarallristarfsemivtrygginga-ogendur p? tryggingaflagsins,gjaldYolsstWuYess,vtrygginga D@ skuld,eignumogviWurkenndueiginfsamrmi A viWsettarreglureWagildandistarfshttiheima tB aWildarrkinusamkvmtkvWumBandalagsins. H C EfviWkomandivtryggingaflaghefurheimildtilaW X0D tryggjahttursemflokkaWareru18.flokkA E hlutaI.viWaukaskaleftirlitiWntilYeirratknilegu F tilfangasemvtryggingaflagiWrWuryfirtilaW \4G framkvmaYrhjlparaWgerWirsemYaWhefurtekiW H aWsr,eflgheimaaWildarrkisinskveWaumeftirlit I meWslkumtilfngum. `8J 3. J EfeftirlitsyfirvldaWildarrkisinsYarsemhtt pHK anerstaWsett,eWaaWildarrkiWYarsemgengisthefur L veriWundirskuldbindingunaeWa,efumendurtrygg M ingaflageraWrWa,efeftirlitsyfirvldgistiaWild tLN arrkinuhafastWutilaWtlaaWstarfsemiv  O trygginga-eWaendurtryggingaflagsinsgetihaft P hriftraustafjrhagsstWuYess,skuluYaukynna xPQ YaWfyrireftirlitsyfirvldumheimaaWildarrkisf $ R lagsins.  S EftirlitsyfirvldheimaaWildarrkisinsskulugangar !T skuggaumhvortflagiWfariaWvarfrnisreglunum "dU semmlterfyrirumYessaritilskipun. 8#V   31.gr. H$ W  GagnsiogbyrgW X%0!X  1. J EftirlitsyfirvldskuluannastverkefnisnmeW h&@"Y gagnsjumogbyrgumhtti,meWtilhlUWilegri '"Z verndtrnaWarupplUsinga.'#[ 2.  & X AWildarrkinskulutryggjaaWeftirfarandiupplUs ( ingarsubirtar:'X(ݷ  a)0  lagatextar,textarreglugerWa,stj;rnsUslureglurog  almennarleiWbeiningarsviWivtrygginga h reglna,< b)0  almennarviWmiWanirogaWferWir,Y.m.t.YraW L$ ferWirsemYr;aWarhafaveriWsamrmiviW4.  mgr.34.gr.,semnotaWareruendurmatsferli  | eftirlitserusettarfram36.gr.,P ( c)0  samanlgWtlfrWilegggnumlykilYttinotk ` 8  unareftirlitsreglnanna,   d)0  hvaWahttmnUtaYkostisemYessitilskipun    kveWurum,  e)0  markmiWiWmeWeftirlitinu,hlutverkogstarfsemi.  UpplUsingarnarsemkveWiWerumfyrstuundir   greinskuludugatilYessaWunntsaWberasaman l  eftirlitsaWferWirnarsemeftirlitsyfirvldmismunandi @  aWildarrkjahafatileinkaWsr.   UpplUsingarnarskuluverasameiginlegusniWiog  uppfrWarreglulega.UpplUsingarnarsemumgetur  b-tileliWfyrstuundirgreinarskuluveraaWgengi T, legareinuogsamavefsetrihverjuaWildarrkj  anna.  3.  AWildarrkinskulukveWaumgagnsjarverk  lagsreglurumtilnefninguogbrottvikninguYeirra h@ semstieigastj;rnumogframkvmdarWumeftir  litsstofnanaYeirra.  4.  Framkvmdastj;rninskalsamYykkjafram  kvmdarrWstafanirsemvarWa2.mgr.Yarsemtil |T greindirerulykilYttirsembirtaskalumsamanlgW ( tlfrWilegggn,semogsniW,gerW,efnisyfirlitog  birtingardagupplUsinganna. X XessarrWstafanir,semertlaWaWbreytaveigalitl h  umYttumYessarartilskipunarmeWYvaWaukaviW <! hana,skulusamYykktarsamrmiviWstj;rnsUslu " mlsmeWferWinameWathugunsemumgetur3.mgr. l# 301.gr. @ $   32.gr. P!(%  BannviWhfnunendurtryggingarsamninga `"8&  1.  HeimaaWildarrkivtryggingaflagsskalekki p#H' hafnaendurtryggingasamningisemgerWurhefurviW $( endurtryggingaflag,eWavtryggingaflagsemfeng $ ) iWhefurstarfsleyfisamrmiviW14.gr.forsend t%L!* umsemtengjastbeinttraustrifjrhagsstWuYess  &!+ endurtrygginga-eWavtryggingaflags. &", 2.  HeimaaWildarrkivtryggingaflagsinsskalekki '#- hafnaendurtryggingasamningi,semendurtrygginga (`$. flagiWhefurgertviWendurtryggingaflag,semfeng (. iWhefurstarfsleyfisamrmiviWYessatilskipuneWa / vtryggingaflag,semfengiWhefurstarfsleyfisam X0 rmiviW14.gr.,forsendumsemtengjastbeint ,1 fjrhagslegumstyrkleikaYessendurtrygginga-eWa 2 vtryggingaflags. \3   33.gr. l4  EftirlitmeWtibummeWstaWfestuWru  |5 aWildarrki P (6  AWildarrkiskulukveWaumaWefvtrygginga-eWa ` 87 endurtryggingaflag,semhefurfengiWstarfsleyfi  8 WruaWildarrki,rekurstarfsemisnafyrirmilli  9 gngutibsgetaeftirlitsyfirvldheimaaWildarrkis d < : inskveWiWum,eftiraWhafatilkynntYaWeftirlits  ; yfirvldumviWkomandigistiaWildarrki,sjlfeWa  < fyrirmilligngueinstaklingasemYautilnefnaYv h@ = skyni,sannpr;faWstaWnumYrupplUsingarsem  > erunauWsynlegartilaWtryggjafjrmlaeftirlitmeW  ? flaginu. lD @ YfirvldviWkomandigistiaWildarrkisgetatekiWYtt |TA Yessumsannpr;funum. (B   34.gr. 8C  Almennareftirlitsheimildir H D  Q1. J AWildarrkinskulutryggjaaWeftirlitsyfirvldhafi X0E valdtilaWgrpatilfyrirbyggjandirWstafanaogrW F stafanatilrb;tatilaWtryggjaaWvtryggingaflg, G Y.m.t.endurtryggingaflg,fariaWlgumYeimog \4H stj;rnsUslufyrirmlumsemYauverWaaWfaraaW I hverjuaWildarrki. J 2. J EftirlitsyfirvldskulihafavaldtilaWgrpatil K allranauWsynlegrarWstafana,Y.m.t.stj;rnsUslu-og pHL fjrhagsrWstafanireftirYvsemviW,aWYver M varWarvtrygginga-ogendurtryggingaflgogY N semsitjastj;rnum,framkvmdastj;rnumeWaeftir tLO litsstj;rnumYeirra.  P 3. J AWildarrkinskulutryggjaaWeftirlitsyfirvldhafi 0Q valdtilaWkrefjastallranauWsynlegraupplUsingatil R aWframfylgjaeftirlitisamrmiviW35.gr.  `S 4. J AWildarrkinskulutryggjaaWeftirlitsyfirvldhafi !pT valdtilaWYr;a,viWb;tviWtreikninggjaldYols D"U krfunniogeftirYvsemviW,nauWsynlegmegind "V legverkfrisamrmiviWendurmatsferliWeftirliti #tW tilaWmetahvortvtrygginga-eWaendurtrygginga H$ X flagiWrWiviWmgulegaatburWieWabreytingar $ Y framtWinniefnahagsskilyrWumsemgtuhaft; %x!Z heppileghrifheildarfjrhagsstWuYeirra.Eftirlits L&$"[ yfirvldskuluhafavldtilaWkrefjastYessaWflg &"\ inframkvmisamsvarandipr;fanir. '|#] 5. J EftirlitsyfirvldskuluhafavaldtilaWfram($^ kvmaskoWunstaWnumathafnasvWivtrygg ( ingaflaganna,Y.m.t.endurtryggingaflaganna.  6.  Eftirlitsheimildumskalbeittheppilegumtma  ogafh;fsemi. h 7.  ValdmeWtillititilvtryggingaflaga,Y.m.t. x endurtryggingaflg,semumgetur1.!5.mgr.skal L$ einniggildaumtvistaWastarfsemivtrygginga  flaga,Y.m.t.endurtryggingaflg.  | 8.  Xvvaldisemumgetur1.til5.mgr.og7.mgr.   skalbeitt,meWfullnustuaWgerWumefYrfkrefur,og ` 8  fyriratbeinad;mst;la,eftirYvsemviW.      35.gr.     UpplUsingarsemveitaskaleftirlitsskyni ,  , 1.  AWildarrkinskulukrefjastYessaWvtrygginga <  flg,Y.m.t.endurtryggingaflg,legginauWsynleg   arupplUsingarfyrireftirlitsyfirvldaWYvervarWar l  eftirlit.XessarupplUsingartakaaWminnstakostitil @  upplUsingasemnauWsynlegarerufyrireftirfaranditil   aWannastYframkvmdsemumgetur36.gr.: p a)0  tilaWleggjamatstj;rnkerfiflaganna,viWskipt  insemYaureka,matsreglurnarsemYaunota T, hvaWvarWargjaldYol,YrhttursemYau  standaframmifyriroghttustj;rnunarkerfiW,  fjrmagnsuppbygging,-Yarfirog-stj;rnun,X0 b)0  tilaWtakaviWeigandikvarWanirsembyggjast h@ beitinguYeirraeftirlitsrttindumog-skyldum. 2.  AWildarrkinskulutryggjaaWvaldsviWeftirlits $ yfirvaldatakitileftirfarandi:  a)0  aWkvarWaeWli,umfangogsniWupplUsinganna  semumgetur1.mgr.semYaukrefjastaWv d tryggingaflg,Y.m.t.endurtryggingaflg,leggi 8 frameftirtldumtmapunktum:   i.0  fyrirframskilgreindumtmabilum,    ii.0  YegarfyrirframskilgreindiratburWirgerast,!   iii.0  YegaraWstWurvtrygginga-eWaendurtrygg  " ingaflagserurannsakaWar, # b)0  aWaflaallraupplUsingaumsamningasemmilli !$ liWirhafasWumeWasamningasemgerWireru |"T% viWYriWjuaWila,og(#& c)0  aWkrefjastupplUsingafrutanaWkomandisr 8$ ' frWingum,t.d.endurskoWendumogtrygginga $ ( frWingum.%h!) 3.  UpplUsingarnar,semumgetur1.og2.mgr., &x"*  skulusamanstandaaf: L'$#+ a)0 J & X  eigindlegumogmegindlegumYttum,eWahvers (+ konarviWeigandisamblandiafYeim,'X(_,JJ b)0 J YttirrYtW,ntWeWaframtW,eWahverskon - arviWeigandisamblandafYeim,h.JJ c)0 J ggnrinnrieWautanaWkomandiheimildum,eWa x/ hverskonarviWeigandisamblandiafYeim.L$0JJ 4. J UpplUsingarnar,semumgetur1.og2.mgr. \ 41 skuluverasamrmiviWeftirfarandimeginreglur:  2 a)0 J YrverWaaWendurspeglaeWli,umfangoghve  3 fl;kinstarfsemiviWeigandiflagser,einkum  4 httunasemerinnbyggWstarfsemina,p H5JJ b)0 J YrverWaaWveraaWgengilegar,heildstWarll  X 6 ummikilvgumatriWum,sambrilegarogsam , 7 rmdarogstWugaryfirlengratmabil,og 8JJ c)0 J YrverWaaWeigaviWogverareiWanlegarog  9 auWskiljanlegar.l :JJ 5. J AWildarrkinskulukrefjastYessaWvtrygginga | ; flg,Y.m.t.endurtryggingaflg,komiviWeigandi P(< kerfiogskipulagitilaWuppfyllakrfurnarsemmlt = erfyrirum1.til4.mgr.ogeinnigskriflegristefnu > semstj;rn,framkvmdastj;rneWaeftirlitsstj;rn T,? vtryggingaflagsins,Y.m.t.endurtryggingaflagsins, @ samYykkir,ogtryggiYarmeWaWupplUsingarnarsem A lagWareruframeigivalltviW. X0B 6. J Framkvmdastj;rninskalsamYykkjafram h@C kvmdarrWstafanirtilaWtilgreinannarupplUsing D arnarsemumgetur1.!4.mgr.,meWYaWhugaaW E tryggjasamleitniskUrslugjafareftirlitsaWilaviWeig lDF andimli. G XessarrWstafanir,semertlaWaWbreytaveigalitl (H umYttumYessarartilskipunarmeWYvaWaukaviW I hana,skulusamYykktarsamrmiviWstj;rnsUslu XJ mlsmeWferWinameWathugunsemumgetur3.mgr. ,K 301.gr. L   36.gr. M  Eftirlitsferlar  N 1. J AWildarrkiskulutryggjaaWeftirlitsyfirvld !O endurskoWiogmetistefnu,vinnsluogskUrslugjafar !P aWferWirsemvtryggingaflg,Y.m.t.endurtrygg `"8Q ingaflg,komatilaWfaraaWlgumogstj;rn  #R sUslufyrirmlumsemsamYykkteru,samkvmt #S Yessaritilskipun. d$< T SendurskoWunogYaWmatskalfelasrmat t%L!U eigindlegumkrfumsemtengjaststj;rnkerfinu,mat  &!V YeimhttumsemflagiWstendurframmifyrir &"W  eWakannaWstandaframmifyrir,ogmatgetuYessx'P#X araflagatilaWmetaYessara& X  httur,aWteknutilliti ( tilYessumhverfisYarsemflginstarfa.'X(Y  2.  EftirlitsyfirvldskulueinkumendurskoWaog  metahvortfariWeraWeftirfarandi: h a)0  stj;rnkerfi,Y.m.t.eiginhttaogmatgjald x Yoli,einsogYaWersettfram2.YttiIV.kafla,L$ b)0  vtryggingaskuldireinsogYrerusettarfram \ 4 2.YttiVI.kafla,  c)0  eiginfjrkrfureinsogYrerusettarfram4.og   5.YttiIV.kafla,   d)0  fjrfestingarreglureinsogYrerusettarfram6.    YttiVI.kafla, X  e)0  gWiogmagneiginfjreinsogsetterfram3. h  YttiVI.kafla,<  f)0  vtrygginga-eWaendurtryggingaflagiWnotar L$  innralkan,aWfullueWaaWhluta,tilaWstanda   stWugtviWkrfurnaruminnralkan,aWfullueWa |  aWhlutaeinsogsetterfram3.undirliW,fj;rWa P( YttiVI.kafla. 3.  EftirlitsyfirvldsetjauppviWeigandivktunar   bnaWsemgerirYeimkleiftaWYekkjaversnandifjr  mgnunarskilyrWihjvtrygginga-eWaendurtrygg d< ingaflagi,ogaWfylgjastmeWhvernigrWinerb;t  Yv.  4.  Eftirlitsyfirvldskulumetahvortvtrygginga  flgin,Y.m.t.endurtryggingaflgin,hafiYr;aW xP fullngjandiaWferWirogstarfsemitilaWtilgreina $ hugsanlegaatburWieWaframtWarbreytingarefna  hagsskilyrWumsemgtuhaftskaWleghrifheildar |T fjrhagsstWuviWkomandiflags. ( EftirlitsyfirvldskulumetagetuflagannatilaWYola 8 YessahugsanleguatburWieWaframtWarbreytingar  efnahagsskilyrWum. h  5.  Eftirlitsyfirvldskuluhafatilskildarheimildirtil x! aWkrefjastYessaWvtryggingaflgin,Y.m.t.endur L$" tryggingaflgin,rWib;tveikleikumeWagllum # semkomalj;sendurmatsferlieftirlits.  |$ 6.  SendurskoWun,matoglitsemumgetur1.,2. !% og4.mgr.skalframkvmtmeWreglulegumillibili. `"8& EftirlitsyfirvldskulukveWalgmarkstWniogum p#H' fangYessararendurskoWunar,matsoglits,meW $( hliWsj;nafeWli,umfangiogYvhvefl;kinstarfsemi $ ) viWkomandivtrygginga-ogendurtryggingaflager. t%L!*   37.gr. &\"+  ViWb;targjaldYolskrafa  'l#, #1.  0framhaldiafeftirlitsferlumgetaeftirlitsyfirvld (|$- settviWb;targjaldYolskrfufyrirvtrygginga-eWa (- endurtryggingaflagundantekningartilvikummeW . kvrWunYarsemstWurnarerutilgreindar.S X/ mguleikiskalaWeinseigaviWumeftirfaranditilvik: ,0 a)0 J EftirlitsyfirvldkomastaWYeirriniWurstWuaW <1 httusniWvtrygginga-eWaendurtrygginga 2 flagsinsgreinisigveigamiklumatriWumfr l3 Yeimforsendumsemliggjatilgrundvallargjald @ 4 Yolskrfunni,einsoghnerreiknuWtmeWYv  5 aWnotastaWalformluna,samrmiviW2.undir  p6 grein4.YttarVI.kafla,ogD 7JJ  J i.0  krfurnarumaWnotainnralkanskv.119.gr. T ,8 ekkiviWeWahefurveriW;virk,eWa 9  J ii.0  innralkanerYr;un,aWhlutaeWaaWllu  : leyti,samrmiviW119.gr., ; b)0 J eftirlitsyfirvldkomastaWYeirriniWurstWuaW  < httusniWvtrygginga-eWaendurtrygginga xP = flagsinsvkurveigamiklumatriWumfrYeim $ > forsendumsemliggjagjaldYolskrfunnitil  ? grundvallar,einsoghnerreiknuWtmeWYvaW |T@ notainnralkan,eWainnralkanaWhluta,sam (A rmiviW3.undirliW4.liWarVI.kafla,Yarsem B tilteknar,megindlegarhttureruekkiteknar XC uppmeWfullngjandihttiogbreytinginlk ,D aninu,tilaWendurspeglabeturtiltekiWhttu E sniW,hefurekkitekistinnanviWeiganditma \F ramma,eWa0GJJ c)0 J eftirlitsyfirvldkomastaWYeirriniWurstWuaW @H stj;rnkerfivtrygginga-eWaendurtrygginga I flagsvkurveigamiklumatriWumfrYeim pJ stWlumsemmlterfyrirum2.liWIV.kafla, DK aWgreinameWfullngjandihtti,mla,hafa L eftirlitmeW,stj;rna,ogtilkynnaumhttursem tM YaWstireWagtistt,ogaWsjlfusrs;lk H N legtaWbeitingannarrarWstafanabtingilega O rannmrkunuminnanviWeiganditmaramma.xPJJ 2. J ViWYraWstWursemsettareruframa-ogb Q liWum1.mgr.skalviWb;targjaldYolskrafanreiknuW \4R YannigtaWtryggtsaWflagiWfariaW3.mgr.101.  S gr.  T ViWYraWstWursemsettareruframcliW1.mgr. !U skalviWb;targjaldYolskrafanverarttuhlutfalliviW p"HV YrefnisleguhttursemleiWaafannmrkumYeim #W semleiddutilYeirrarkvrWunareftirlitsyfirvaldaaW #X setjaviWb;targjaldYolskrfu. t$L Y 3. J 0Yeimtilvikumsemsetteruframb-ogcliW1. %\!Z mgr.skulueftirlitsyfirvldtryggjaaWvtrygginga- 0&"[ eWaendurtryggingaflagiWleggjaalltkapprWab;t &"\ YeimannmrkumsemleiddutilYessaWviWb;tar '`#] gjaldYolskrfunnivarkomiW.4( $^ 4.  EftirlitsyfirvldskuluendurskoWaviWb;targjald ( Yolskrfuna,semumgetur1.mgr.,a.m.k.rlegaog  skalhnfjarlgWYegarflagiWhefurrWiWb;t X YeimannmrkumsemleiddutilYessaWhennivar , komiW.  5.  GjaldYolskrafanaWviWbttriviWb;targjaldYols  krfunniskalkomastaWinnfyrirhina;fullngjandi l gjaldYolskrfu. @  Xrttfyrir1.undirgreinskalgjaldYolskrafanekki P ( innihaldaviWb;targjaldYolskrfunasemkomiWvar    samrmiviWcliW1.mgr.,aWYvervarWarvik    mrkhttusemumgetur5.mgr.77.gr. T ,  6.  Framkvmdastj;rninskalsamYykkjafram d <  kvmdarrWstafanirYarsemmlterfyrirumfrekari   forskriftirumYraWstWursemvoruviWlUWiYegar   viWb;targjaldYolskrfunnivarkomiW,ogaWferWa h@  frWinniviWYtreikninga.   XessarrWstafanir,semertlaWaWbreytaveigalitl $  umYttumYessarartilskipunarmeWYvaWaukaviW   hana,skulusamYykktarsamrmiviWstj;rnsUslu |T mlsmeWferWinameWathugunsemumgetur3.mgr. ( 301.gr.    38.gr.   EndurskoWuntvistaWsrekstursogstarfsemi   1.  MeWfyrirvaraum49.gr.skuluaWildarrkin  tryggjaaWvtryggingaflg,Y.m.t.endurtrygginga  flg,semtvistarekstureWavtryggingastarfsemi, \4 Y.m.t.endurtryggingastarfsemi,gerinauWsynlegar  rWstafanirtilaWtryggjaaWeftirfarandiskilyrWisu  uppfyllt: `8 a)0  VeitandiYj;nustunnarverWuraWstarfameWeftir pH litsyfirvldumvtrygginga-ogendurtrygginga  flagsinshvaWvarWarhinntvistaWarekstureWa   starfsemi,tL! b)0  vtryggingaflgin,Y.m.t.endurtryggingaflgin, \" endurskoWendurYeirraogeftirlitsyfirvld,verWa 0# aWhafaskilvirkanaWgangaWggnumsemtengj $ asthinumtvistaWarekstriogstarfsemi, `% c)0  eftirlitsyfirvldverWaaWhafaskilvirkanaWgang !p& aWstarfstWveitandaYj;nustunnarogverWaaW D"' getanUttsrYannaWgangsrtt."( 2.  AWildarrkiYarsemveitandiYj;nustunnarhefur $) aWseturskalveitaeftirlitsyfirvldumvtrygginga- $ * eWaendurtryggingaflagsinsleyfitilaWframkvma X%0!+ sjlf,eWafyrirmilligngueinstaklingasemYautil &!, nefnatilverksins,skoWunstaWnumYarsemveit &"- andiYj;nustunnarermeWstarfstW.Eftirlitsyfirvld \'4#. vtrygginga-eWaendurtryggingaflagsinsskulutil (#/ kynnaviWeigandiyfirvldumaWildarrkisinsumslka ($0 skoWunstaWnumWurentilhennarkemur.Sum (0 aWrWaeiningusemekkistireftirlitiskuluviWeig 1 andiyfirvldtakasrhlutverkeftirlitsyfirvaldanna. X2 EftirlitsyfirvldaWildarrkisvtrygginga-eWaendur h3 tryggingaflagsinsgetafaliWeftirlitsyfirvldumaW <4 ildarrkinu,YarsemveitandiYj;nustunnarerstaW 5 settur,slkaskoWunstaWnum. l6   39.gr.  |7  Yfirfrslavtryggingastofns  8  1. J MeWYeimskilyrWumsemgildaaWlandslgum  9 veitaaWildarrkivtryggingaflgum,Y.m.t.endur p H: tryggingaflgum,meWaWalskrifstofuryfirrWa  ; svWiYeirra,leyfitilaWyfirfrasamningasafnsitt,  < aWeinhverjueWalluleyti,Yarsemsamningarhafa tL = veriWgerWirannaWhvortsamkvmtstaWfesturttieWa   > frelsitilaWveitaYj;nustu,tilflagssemannast  ? endurtryggingarogstarfarBandalaginu. xP @ XessaryfirfrslurskuluaWeinsleyfWarefeftirlits ` A yfirvldheimaaWildarrkiflagsinssemannast 4 B endurtryggingarvottaaWYegartillithefurveriWtekiW C tilyfirfrslunnarhafiflagiWsemannastendurtrygg dD ingaryfirngjanleguviWurkenndueiginfaWrWa 8E tilaWstandaviWgjaldYolskrfusemumgeturfyrsta F liW100.gr. hG 2. J EfumeraWrWavtryggingaflggilda3.!6. xH mgr. L$I 3. J EftibleggurtilaWsamningasafnYessverWi \4J yfirfrt,aWeinhverjueWalluleyti,skalhaftsamrW K viWaWildarrkiWYarsemtibiWer. L 4. J ViWYraWstWursemumgetur1.og3.mgr. M skulueftirlitsyfirvldheimaaWildarrkivtrygginga pHN flagsinssemannastyfirfrslunaveitaheimildfyrir O henni,aWfengnusamYykkiyfirvaldaaWildarrkjun P umYarsemgengiWvarfrsamningunum,annaW tLQ hvortsamkvmtstaWfesturttieWafrelsitilaWveita  R Yj;nustu S 5. J YfirvldaWildarrkjunumsemsamrWerhaft T viWskulutilkynnayfirvldumheimaaWildarrkiv  `U tryggingaflagsinssemannastyfirfrslurlitsitteWa 4! V samYykki,innanYriggjamnaWafrYvaWYeim !W barstbeiWniumsamrW. "dX EfyfirvldinsemsamrWerhaftviWhafaekkisvar #tY aWinnanYessfreststelstYaWYegjandisamYykki. H$ Z 6. J YfirfrslavtryggingastofnssemheimiluWer X%0![ samrmiviW1.!5.mgr.skalannaWhvortbirtWur &!\ eWaeftiraWstarfsleyfierveitt,semmlterfyrirum &"] landslgumheimaaWildarrkisins,aWildarrkisins \'4#^ YarsemhttanerstaWsetteWaaWildarrkinusem (#_ hefurskuldbundiWsig.($` SlkyfirfrslaWlastsjlfkrafagildigagnvartv ( tryggingatkum,hinumtryggWuogllumYeimWr  umsemeigartteWaberaskylduvegnaYeirrasamn X ingasemyfirfrWirhafaveriW. , FyrstaognnurundirgreinYessarargreinarhefur < ekkihrifrttaWildarrkjatilaWgefavtrygginga  tkumkostaWsegjauppsamningiinnankveWins l frestsfrYveryfirfrslaferfram. @    IV.KAFLI P (  SkilyrWifyriratvinnurekstri ` 8   1.Yttur p H   byrgWstj;rnar,framkvmdastj;rnareWa  X  eftirlitsstj;rnar ,   40.gr. <   byrgWstj;rnar,framkvmdastj;rnareWa L$  eftirlitsstj;rnar   + AWildarrkiskulutryggjaaWstj;rn,framkvmda   stj;rneWaeftirlitsstj;rnvtrygginga-eWaendur  tryggingaflagsinsberifullabyrgWaWviWkomandi `8 flagfariaWlgumogstj;rnsUslufyrirmlumsem   samYykkthafaveriWsamkvmtYessaritilskipun.    2.Yttur   Stj;rnkerfi   41.gr.   Almennarkrfurumstj;rnunarhtti  . 1.  AWildarrkiskulukrefjastYessaWvtrygginga  flg,Y.m.t.endurtryggingaflg,sumeWskilvirkt  stj;rnkerfisemkveWurumtraustaogvarfrna `8 stj;rnunrekstrarins.   XaWkerfiskala.m.k.takatilfullngjandioggagn  ssstj;rnskipulagsmeWskUraaWgreiningubyrgWar  sviWaogskilvirktkerfitilaWtryggjamiWlunupplUs tL inga.0YvskalfariWaWkrfumYeimsemmlter    fyrirum42.!49.gr. ! Xettastj;rnkerfiskalstareglulegri,innriendur  " skoWun. !`# 2.  Stj;rnkerfiWskalverasamrmiviWeWli,um "p$ fangogfl;kinnreksturvtrygginga-eWaendurtrygg D#% ingaflagsins. #& 3.  Vtryggingaflg,Y.m.t.endurtryggingaflg, % ' skuluhafaskriflegastefnusemaWminnstakosti %!( varWarhttustj;rnun,innraeftirlit,innriendurskoW X&0") unog,eftirYvsemviW,tvistun.Xauskulutryggja '"* aWYessaristefnushrintframkvmd. '#+ XessaskriflegustefnuskalendurskoWaa.m.k.rlega. ($, HanaYurfastj;rn,framkvmdastj;rneWaeftirlits (, stj;rnaWsamYykkjafyrirframoghenniYarfaW - breytalj;siumtalsverWrabreytingaviWkomandi X. kerfieWasvWi. ,/ 4. J Vtryggingaflg,Y.m.t.endurtryggingaflg, <0 geraraunhfarrWstafanirtilaWtryggjasamfelldni 1 ogreglufestustarfsemiYeirra,Y.m.t.Yr;unviW l2 bragWstlunar.MeWYettaaWmarkmiWiskalflagiW @ 3 notaviWeigandikerfi,tilfngogmlsmeWferWsem  4 erurttuhlutfalliviWYetta.  p5 5. J EftirlitsyfirvldskuluhafaviWeigandirrWi,aW  6 ferWirogvaldtilaWsannpr;fastj;rnkerfivtrygg T ,7 ingaflaga,Y.m.t.endurtryggingaflaga,tilaWmeta  8 komandihttursemflginttasigoggetahaft  9 hriftraustafjrhagsstWuYeirra. X0 : AWildarrkinskulutryggjaaWeftirlitsyfirvldhafi h@ ; ngilegtvaldtilaWkrefjastYessaWstj;rnkerfiWs  < bttogstyrkttilaWtryggjaaWfariWsaWkvWum  = krafnannasemsettarerufram42.!49.gr. lD >   42.gr. |T?  HfilegarogviWeigandikrfurfyrirf;lksem d@ rekurflagiWrauneWagegnirlykilhlutverki 8A WrumsviWum B 8; 1. J Vtryggingaflg,Y.m.t.endurtryggingaflg, C skulutryggjaaWallireinstaklingarsemraunreka xD flagiWeWagegnalykilhlutverkiWrumsviWum L$E fullngialltafeftirfarandiskilyrWum: F a)0 J faglegmenntunYeirraoghfi,Yekkingog G reynsladugatilaWkomatraustriogvarfrinni H stj;rnun(hfilegri),og`8IJJ b)0 J Yeirbayfirg;WumorWstrogrWvendni(heiWar pHJ leika).KJJ 2. J Vtryggingaflg,Y.m.t.endurtryggingaflg, ,L tilkynnieftirlitsyfirvldumumllmannaskiptihvaW M viWkemurYeimsemraunrekaflagiWeWabera \N byrgWannarrilykilstarfsemi,samtllumupplUs 0O ingumsemnauWsynlegarerutilaWmetahvortnU P tilnefndirstj;rnendursuhfirogheiWarlegir.  `Q 3. J Vtryggingaflg,Y.m.t.endurtryggingaflg, !pR tilkynnieftirlitsyfirvldumsnumefeinhverjum D"S einstaklingannasemumgetur1.og2.mgr.hafi "T veriWskipttvegnaYessaWYeiruppfyllaekkilengur #tU skilyrWinsemumgetur1.mgr. H$ V   43.gr. X%0!W  Snnunum;flekkaWmannorW h&@"X B 1. J XegaraWildarrkiferframaWrkisborgararYess x'P#Y sanniaWYeirhafi;flekkaWmannorWogaWYeirhafi$(#Z ekkiveriWlUstirgjaldYrotaeWahvorttveggja,skal ( YaWaWildarrki,Yegarhluteigarkisborgararann  arraaWildarrkja,samYykkjasemfullngjandisnn X unaWlagtsframsakavottorW,eWaefYaWerekki , unnt,jafngiltskjalgefiWtaflgbruyfirvaldi  sviWid;mgslueWastj;rnsUsluheimaaWildarrkinu \ eWaYvaWildarrkisemhinnerlendirkisborgari 0 kemurfr,ersUniraWYessarkrfurhafiveriWupp  fylltar.  ` 2.  EfheimaaWildarrkiWeWaaWildarrkiWYaWansem  p  erlendirkisborgarinner,gefurekkitskjaliWsem D   umgetur1.mgr.getureiWsvarinyfirlUsingkomiW    staWYess!eWaYeimaWildarrkjumYarsemengin  t  kvWieruumslkaeiWsvarnayfirlUsingu,dreng H  skaparheit!semviWkomandigefurviWurvistlg   brsyfirvaldssviWid;mgslueWastj;rnsUslueWa x  YarsemYaWviW,lgb;kanda,heimaaWildarrkinu L$  eWaaWildarrkinuYaWansemviWkomandirkisborgari   er. |  ViWkomandiyfirvaldeWalgb;kandiskalgefat   skrteiniYarsemvottaWurerreiWanleikieiWsvrnu `8 yfirlUsingarinnareWadrengskaparheitisins.   YfirlUsinguna,semumgetur1.undirliW,umaWviW  komandihafiekkiWurveriWlUsturgjaldYrotam  einniggefahjYartilbrrisrfrWi-eWaatvinnu tL greinastofnunhlutaWeigandiaWildarrki.   3.  Skjlogskrteini,semumgetur1.og2.mgr., 0 skuluekkiveraeldrienYriggjamnaWafrtgfu  degiaWteljaYegarYauerulgWfram. ` 4.  AWildarrkiskulutilnefnaaWilaogstofnanirsem p brerutilaWgefatYauskjlsemgetiWer1.og2. D mgr.ogskulutilkynnaYaWtafarlaustWrumaWildar  rkjumogframkvmdastj;rninni. t  AWildarrkiskuluennfremurtilkynnahvertWruog ! framkvmdastj;rninniumaWilaeWastofnanirsem X0" sendaskalggntilskv.1.og2.mgr.tilstuWnings # ums;knumleyfitilaWrekayfirrWasvWiaW $ ildarrkisinsYstarfsemisemumgetur2.gr. \4%   44.gr. l D&  httustj;rnun  |!T' N1.  Vtryggingaflg,Y.m.t.endurtryggingaflg, "d( skuluhafaskilvirktkerfihttustj;rnunarsemtaki 8#) tilstefnu,vinnsluogskUrslugjafaraWferWasemnauW #* synlegarerutilaWgreina,mla,stj;rna,hafaeftirlit $h + meWogtilkynnastWugtumYrhttursemYau <%!, staeWagtustt,ogvxltengslinmilliYeirra. %!- httustj;rnunarkerfiWskalveraskilvirktogsam &". YttniWstj;rnskipulagivtrygginga-eWaendur '|#/ tryggingaflagsinsogferlumviWkvarWanatku,og P(($0 takaviWeiganditillittilYeirraeinstaklingasemreka (0 flagiWrauneWagegnalykilhlutverkiWrumsviW 1 um. X2 2. J httustj;rnunarkerfiWskalnyfirYrhttur h3 semberaWtakameWviWtreikninggjaldYolskrf <4 unnieinsoghnersettfram4.mgr.101.gr.,og 5 einnigYrhttursemeruekkiteknarmeWaWfullu l6 Yeimtreikningi. @ 7 httustj;rnunarkerfiWskala.m.k.takatileftirfar P (8 andisviWa:  9 a)0 J slutryggingogvarasj;Wur, :JJ b)0 J eigna-ogskuldastUring, ;JJ c)0 J fjrfestingar,einkumafleiWurogsvipaWarskuld , < bindingar, =JJ d)0 J stUringlausafjr-ogsamfylkingarhttu, >JJ e)0 J stUringrekstrarhttu, ?JJ f)0 J endurtryggingogaWrarmildandihttuaWferWir. @JJ Skriflegstefnaumhttustj;rnun,semumgetur3. A mgr.41.gr.,skaltakatilstefnasemvarWaa-tilfliW B annarsundirliWarYessararmlsgreinar. pHC 3. J AWYvervarWarfjrfestingarhttuskuluv XD tryggingaflg,Y.m.t.endurtryggingaflg,sUna ,E framaWYaufariaW6.YttiVI.kafla. F 4. J Vtryggingaflg,Y.m.t.endurtryggingaflg, G skulukveWaumhttustj;rnunsemsYannigupp lH settaWhnauWveldiframkvmdhttustj;rnunar. @I 5. J HvaWvarWarvtryggingaflg,Y.m.t.endurtrygg P(J ingaflg,semnotainnralkan,heildsttteWaaW K hlutatil,samrmiviW112.og113.gr.skalhttu L stj;rnunintakatileftirfarandiviWb;tarverkefna: T,M a)0 J aWhannainnralkaniWogkomaYvfram d<N kvmd,OJJ b)0 J aWpr;faogfullgildainnralkaniW, PJJ c)0 J aWskrupplUsingaruminnralkaniWogbreyting 0 Q arsemgerWareruYv, RJJ d)0 J aWgeraframmistWugreininguinnralkaninu !S ogsemjayfirlitsskUrslaumhana,"pTJJ e)0 J aWgerastj;rn,framkvmdastj;rneWaeftirlits #U stj;rngreinfyrirYvhverniginnralkaniWvirkar, T$, V tiltakasviWYarsemrb;taerYrfoghalda % W stj;rninniupplUstriumhverniggangiaWbta %!X  veikleikasemYegarhafaveriWgreindir.$X&0"YJJ $  &   45.gr. (  MateiginhttuoggjaldYoli 8  ^1.  ll'(^vtryggingaflg,Y.m.t.endurtryggingaflg, H  skuluannasteigiWmateiginhttuoggjaldYoliog  erYaWhlutiafhttustj;rnunarkerfiYeirra. x XaWmatskala.m.k.takatileftirfarandi:  a)0  heildargjaldYoliWYarfaWtakatillittilhinstil   greindahttusniWs,samYykktrahttuYolmarka l D ogviWskiptatlunarflagsins,  b)0  stWugtsamrmiviWeiginfjrkrfur,einsog (   mlterfyrirum4.og5.YttiVI.kafla,og    krfurhvaWvarWarvtryggingaskuldireinsog  X  mlterfyrirum2.YttiVI.kafla,,  c)0  hvemiklummlihttusniWviWkomandiflags <  vkurfrforsendunumsemliggjagjaldYolskrf   unnitilgrundvallar,einsogmlterfyrirum3. l  mgr.101.gr.,reiknuWtmeWstaWalformlunni @  samrmiviW2.undirYtt4.YttarVI.kaflaeWa   innralkanhennar,heildsttteWaaWhlutatil, p samrmiviW3.undirYtt4.YttarVI.kafla.D 2.  AWYvervarWaraliW1.mgr.skalviWkomandi T, flagbayfirferlumrttuhlutfalliviWeWli,umfang  ogfl;knarhttursemeruinnbyggWarstarfsemi  YessoggeraYeimkleiftaWYekkjaogmetahtturn X0 arsemYaWstendurframmifyrir,tillengrieWa  skemmritma,ogsemYaWstireWagtistt.F  lagiWskalkynnaaWferWirnarsemnotaWareruYv \4 mati.  3.  EfinnralkanernotaW,Yvtilvikisemumgetur  cliW1.mgr.,skalmatiWframkvmtmeWendur  kvrWunsembreytirinnrihttutlumhttumati pH gjaldYolskrfunnar.  4.  EigiWfoggjaldYolsmatskalvera;aWskiljanleg ,  urhlutiviWskiptatlunarinnarogskalstWugttekiW ! tillittilYessaviWstefnum;tandikvarWanatektf \" lagsins. 0# 5.  Vtryggingaflg,Y.m.t.endurtryggingaflg, @ $ skuluframkvmamatiW,semumgetur1.mgr.,  % reglulegaogtafarlaustefhttusniWYeirratekur !p& marktkumbreytingum. D"' 6.  Vtryggingaflg,Y.m.t.endurtryggingaflg, T#,( skuluveitaeftirlitsyfirvldumupplUsingarumniWur $) stWunarhverjumatieiginfoggjaldYolisem $ * hlutaafupplUsingunumskv.35.gr. X%0!+ 7.  MatiWeigiWfoggjaldYoliskalekkinotatilaW h&@", reiknateiginfjrkrfu.GjaldYolskrfunaskalaW '"- einsleiWrttasamrmiviW37.,231.!233.og238 '#. gr. l(D$/   46.gr. (/  Innraeftirlit 80  l1. J Vtryggingaflg,Y.m.t.endurtryggingaflg, H 1 skuluverameWskilvirktkerfiinnraeftirlits. 2 XaWskala.m.k.takatilstj;rnsUslu-ogb;khaldsfyrir 3 komulags,rammainnraeftirlits,viWeigandiskUrslu 4 gjafallumstigumflagsinsogYessaWfariWsaW \ 45 kvWum.  6 2. J XaWaWfariWsaWkvWumskaltakatilYessaW  7 verastj;rn,framkvmdastj;rneWaeftirlitsstj;rntil  8 rWgjafarumaWfariWsaWkvWumlagaogstj;rn p H9 sUslufyrirmlasemsamYykkterusamkvmtYessari  : tilskipun.XaWtekurlkatilmatshugsanlegum  ; hrifumallrabreytingalagaumhverfinustarfsemi tL < viWkomandiflagsogYessaWYekkjaogmetahtt   = unaafYvaWfariWsaWkvWum.  >   47.gr.  ?  InnriendurskoWun  @  q1. J Vtryggingaflg,Y.m.t.endurtryggingaflg, A skuluverameWskilvirktkerfiinnriendurskoWunar. B InnriendurskoWunskaltakatilmatsYvhvortkerfi C innraendurskoWunar,ogaWrirhlutarstj;rnkerfisins, d<D sufullngjandiogskilvirkir. E 2. J InnriendurskoWunskalverahlutlgog;hW  F rekstrarYttum. G 3. J AllarniWurstWurogtilmliinnriendurskoWunar H skulutilkynntarstj;rn,framkvmdastj;rneWaeftir `I litsstj;rnsemkveWurtilhvaWaaWgerWaskalgrpa 4 J aWYvervarWarniWurstWurogtilmliinnriendur K skoWunar,ogskaltryggjaaWYessaraWgerWirverWi dL framkvmdar. 8M   48.gr. H N  TryggingafrWilegstarfsemi X0O  u1. J Vtryggingaflg,Y.m.t.endurtryggingaflg, h@P skulukomaskilvirkritryggingafrWilegristarfsemi  Q tilaW:  R a)0 J samrmatreikningavtryggingaskuldum,!SJJ b)0 J tryggjaaWaWferWafrWinogYraWferWirsem "T beitterogliggjatilgrundvallarsuviWeigandi, #dU ogeinnigforsendurtreikningavtrygginga 8$ V skulda,$ WJJ c)0 J metahvortggninsembeitterviWaWreiknat %!X vtryggingaskuldirsufullngjandioguppfylli &x"Y gWakrfur,L'$#ZJJ d)0 J berasamanbestamatogreynslu,$\(4$[JJ $e)0  gerastj;rn,framkvmdastj;rneWaeftirlitsstj;rn ( greinfyrirYvhvereiWanlegirogfullngjandi  treikningarnirvtryggingaskuldunumsu,X f)0  hafaumsj;nmeWtreikningumvtrygginga h skuldumsemsettirerufram82.gr.,< g)0  skilalitiheildarstefnunnihvaWslutryggingar L$ varWar, h)0  skilalitihvefullngjandifyrirkomulagendur   tryggingaer,og  i)0  stuWlaaWhinniskilvirkriinnsetninguhttu    stj;rnunarkerfisinssemumgetur44.gr.,eink p H  umaWYvervarWarhttulkaniWsemliggurtil    grundvallartreikningnumeiginfjrkrfunum   semsettarerufram4.og5.YttiVI.kafla,og tL  matinusemumgetur45.gr.   2.  HiWtryggingafrWilegahlutverkskulueinstak 0  lingarmeWYekkingutryggingastrWfrWiogfjr   mlastrWfrWiannast,skalsYekkingsamsvara `  eWli,umfangiogYeirrifl;knuhttuseminnbyggW 4  erstarfsemivtrygginga-eWaendurtryggingaflaga  ogskuluviWkomandieinstaklingargetasUntfram d aWYeirbiyfirviWeigandireynsluafgildandi,fag 8 legumgWumogWrumgWum.    49.gr.   Btvistun   f1.  AWildarrkinskulutryggjaaWvtryggingaflg,  Y.m.t.endurtryggingaflg,berifullabyrgWaW  uppfyllaallarskuldbindingarsnarsamkvmtYess lD aritilskipun,YegarYautvistaverkefnieWahvers  konarvtrygginga-eWaendurtryggingastarfsemi.  2.  BtvistunYUWingarmikillaeWamikilvgrarekstr  arYttaeWastarfsemimekkifaraYannigframaW X hnleiWitileftirfarandi: ,  a)0  rUriumtalsvertgWistj;rnkerfisviWkomandi <! flags," b)0  aukirekstrarhttu;Yarflega,# c)0  rUrigetueftirlitsyfirvaldatilaWhafaeftirlitmeW !$ YvaWflagiWstandiviWskuldbindingarsnar,!% d)0  grafiundanstWugriogfullngjandiYj;nustu "& viWvtryggingataka.p#H' 3.  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X0Q SlkarupplUsingarskalY;aWeinsveitaYegarYesser h@R YrfvegnavarfrnieftirlitsmeWstarfseminni.X; S skuluaWildarrkinkveWaumaWupplUsingar,sem T fengnareruskv.65.gr.og1.mgr.68.gr.eWameW l DU sannpr;funstaWnum,s.s.umgetur32.gr.,megi !V aldreiveitaYeimtilvikumsemumgeturYessari !W greinnemameWskUlaususamYykkieftirlitsyfirvalda p"HX aWildarrkisinssemveittiupplUsingarnareWaeftirlits #Y yfirvaldaaWildarrkisinsYarsemsannpr;funin #Z staWnumf;rfram. t$L [   70.gr. %\!\  MiWlunupplUsingatilseWlabankaogyfirvalda &l"] peningamlum @'#^ yV MeWfyrirvaraumYennanYttgetureftirlitsyfirvaldP(($_ sentupplUsingar,semtlaWeraWkomaaWhaldiviW ( strfYeirra,tileftirfarandiaWila:  1)0  seWlabankaogannarrastofnanasemgegnasvip  uWuhlutverkiogyfirvaldsviWipeningamla,h 2)0  eftiratvikum,annarraopinberrayfirvaldasem x berabyrgWeftirlitimeWgreiWslukerfum.L$ XessiyfirvldeWastofnanirgetaeinnigsenteftirlits \ 4 yfirvldumupplUsingarsemYaugetaYurftaW   haldaaWYvervarWar67.gr.UmupplUsingar,sem   erufengnarYessusambandi,skulugildakvWium ` 8  YagnarskyldusemmlterfyrirumYessumYtti.      71.gr.     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AWildarrkinskuluaWlgmarkikveWaumaW "& aWilumsemtilYesshafaheimildskilningittundu p#H' tilskipunarrWsins84/253/EBEfr10.aprl1984 $( sembyggWergliW3.mgr.54.gr.sttmlansum $ ) lggildingueinstaklingasemfaliWeraWannastlg t%L!* boWnaendurskoWunb;khaldsgagna(! #  1      ),ogannast  &!+ vtrygginga-eWaendurtryggingaflgumhinalg (+ boWnuendurskoWunsemumgetur51.gr.tilskipun , ar78/660/EBE,37.gr.tilskipunar83/349/EBE,85/ X- 611/EBEeWa31.gr.eWaeinhverjaaWralgboWna ,. endurskoWun,skuliskyltaWupplUsajendurskoW / unaryfirvldYegarstaWummlsatvikeWakvarW \0 anirsemsnertaflagiW,semviWkomandihefurorWiW 01 skynjastarfisnuoggeturleitttileinhversafeftir 2 farandi:  `3 a)0 J verulegaergengiWsvigviWlgeWastj;rnsUslu  p4 fyrirmli,YarsemmlterfyrirumskilyrWifyrir D 5 veitingustarfsleyfiseWasemfjallasrstaklega  6 umstarfsemivtryggingaflaga,Y.m.t.endur  t7 tryggingaflaga,H 8JJ b)0 J skerWingframhaldandistarfsemivtrygginga- X0 9 eWaendurtryggingaflagsins, :JJ c)0 J ekkierskrifaWuppreikninganaeWafyrirvarar  ; settir, <JJ d)0 J ekkierfariWaWkvWumhvaWvarWargjaldYols  = krfu,|T>JJ e)0 J ekkierfariWaWkvWumhvaWvarWarlgmarks d? krfurumeigiWf.8@JJ Einstaklingarnirsemumgeturfyrstuundirgrein H A skulueinnigupplUsaummlsatvikogkvarWanir B semYeirhafaorWiWskynjaumviWaWframkvma xC verk,einsogumgeturfyrstuundirgrein,flagi L$D semhefurnintengslvegnayfirrWatengslaviWv E trygginga-eWaendurtryggingaflagiWYarsemYeir |F framkvmaYaWverk. P(G 2. J EkkiskallitiWsvoaWYaWathfieinstaklinga, `8H semtilYesshafaheimildskilningitilskipunar84/  I 253/EBE,aWupplUsag;Writreftirlitsyfirvldum J mlsatvikeWakvarWanirsamkvmt1.mgr.,sbrot d<K YagnarskyldusemkomiWhefurveriWmeWsamn L ingieWalgumeWastj;rnsUslukvWumogskalekki M kallaYtilbyrgWarmeWneinumhtti. h@N   V.KAFLI xPO  Reksturlftrygginga-ogskaWatryggingastarfsemi  `P  73.gr. !pQ  Reksturlftrygginga-og "R skaWatryggingastarfsemi T#,S (o 1. J VtryggingaflgumskalekkiheimiltaWrekalf d$< T tryggingarogskaWatryggingarsamtmis. % U 2. J X;getaaWildarrkin,Yrttfyrir1.mgr.,kveWiW  &!V umaW: &"W a)0 J flgsemrekalftryggingastarfsemigetifengiW '#X starfsleyfifyrirskaWatryggingastarfsemisemtek$(`$YJJ $urtilhttusemskrWer1.og2.flokkiA ( hlutaI.vikauka, b)0  flgsemaWeinshafastarfsleyfivegnahttu  semskrWer1.og2.flokkiAhlutaI.vikauka h getafengiWstarfsleyfitilaWrekalftrygginga < starfsemi. ReksturstarfseminnarskalY;veraaWgreindursam  rmiviW74.gr.  | 3.  AWildarrkingetakveWiWumaWflgin,sem   umgetur2.mgr.,hltigildandib;khaldsreglumum ` 8  lftryggingaflgaWYvervarWarallastarfsemi    Yeirra.XartilsamrmingferframYessusviWier    aWildarrkjunumeinnigheimiltaWkveWaumaW,aW d <  YvervarWarreglurumflagsslit,skulireglurumv   tryggingastarfsemieinnigeigaviWumstarfsemi   tengslumviWhttusemtalineruppgreinaflokk h@  um1.og2.flokkiAhlutaI.vikauka.   4.  EfskaWatryggingaflaghefurfjrhagsleg,viW $  skiptalegeWastj;rnunarlegtengslviWlftrygginga   flagskulueftirlitsyfirvldheimaaWildarrkinusj |T tilYessaWekkisugildisamningareWafyrirkomu ( lagmilliYessaraflagasemeruYannigaWreikningar  viWkomandiflagagefirangamyndeWagetihaft X hrifskiptinguteknaoggjaldamilliYeirra. , 5.  FlgsemeftirfarandidagarkusamtmisbWi < lftrygginga-ogskaWatryggingastarfsemisemYessi  tilskipuntekurtilgetahaldiWYvframaWYvtil l skilduaWreksturstarfseminnarsaWgreindurskv. @ 74.gr.  a)0  1.janar1981,aWYvervarWarflgmeWstarfs  leyfiGrikklandi, b)0  1.janar1986,aWYvervarWarflgmeWstarfs  leyfiSpniogPortgal,d<  c)0  1.janar1995,aWYvervarWarflgmeWstarfs tL! leyfiAusturrki,FinnlandiogSvYj;W, " d)0  1.ma2004,aWYvervarWarflgmeWstarfs 0# leyfiTkklandi,Eistlandi,KUpur,Lettlandi, $ Lithen,Ungverjalandi,Mltu,P;llandi,Sl;vak  `% uogSl;venu,4! & e)0  1.janar2007,aWYvervarWarflgmeWstarfs D"' leyfiBlgaruogRmenu,"( f)0  15.mars1979,aWYvervarWarllnnurflg.$) HeimaaWildarrkiWgeturgertYkrfutilvtrygg % * ingaflagaaWYauhttisamhliWarekstrilftrygginga- %!+ ogskaWatryggingastarfsemisemYaustunduWu h&@", Yeimdgumsemumgeturfyrstuundirgrein,innan '"- tiltekinsfrestssemaWildarrkiWsetur. '#.   74.gr. (.  AWskilinnreksturlftrygginga-og 8/ skaWatryggingastarfsemi 0  1. J AWgreindumrekstriskv.73.gr.skalhagaYannig 1 aWlftryggingastarfsemishaldiWaWskilinnifr x2 skaWatryggingastarfsemi. L$3 HagsmunirlftryggingartakaogskaWatryggingataka \ 44 hverraumsigskuluekkiskaWastogskalYesseink  5 umgttaWhagnaWuraflftryggingastarfsemikomi  6 lftryggingartkumtilg;WasamahttogefflagiW ` 87 rkieinungislftryggingastarfsemi.  8 2. J MeWfyrirvaraum100.og128.gr.skuluvtrygg  9 ingaflginsemumgetur2.og5.mgr.73.gr.  : reiknat: tL ; a)0 J hugsaWalgmarkskrfuumeigiWfaWYver \ < varWarlftrygginga-eWaendurtryggingastarfsemi, 0 = ogerhnreiknuWteinsogviWkomandiflag  > rkiaWeinsYstarfsemi,grundvelliaWskilins ` ? b;khaldssemumgetur6.mgr.,og4 @JJ b)0 J hugsaWalgmarkskrfuumeigiWfaWYver DA varWarskaWatrygginga-eWaendurtryggingastarf B semi,ogerhnreiknuWteinsogviWkomandi tC flagrkiaWeinsYstarfsemi,grundvelliaW H D skilinsb;khaldssemumgetur6.mgr.EJJ 3. J Vtryggingaflginsemumgetur2.og5.mgr. F 73.gr.skuluaWminnstakostitakatileftirfarandi, G meWjafnhrrifjrhWviWurkenndumYttumeigin \4H fjr: I a)0 J hinhugsaWalgmarkskrafaumeigiWf,aWYver J varWarlftryggingarstarfsemi,KJJ b)0 J hinhugsaWalgmarkskrafaumeigiWf,aWYver L varWarskaWatryggingar.XMJJ Lgmarksfjrhagsskuldbindingarnarsemumgeturi hN fyrstuundirgrein,aWYvervarWarlftryggingastarf <O semiogskaWatryggingastarfsemi,skuluverameW P YeimhttiaWhvorugstarfseminstandistraumaf lQ kostnaWihinnar. @ R 4. J AWuppfylltumfjrhagslegumlgmarksskilyrWum P!(S semumgetur3.mgr.,ogaWYvtilskilduaWeftir !T litsyfirvldumstilkynntYarum,geturflagiWltiW "U aWstoWarhfahlutaeiginfjr,semennerutiltkir T#,V fyriraWrahvorastarfsemina,takatilgjaldYolskrf $W unnarsemumgetur100.gr. $ X 5. J EftirlitsyfirvldskulubWigreinaniWurstWurnar %!Y fyrirlftrygginga-ogskaWatryggingastarfsemitilaW h&@"Z tryggjaaWkrfunum1.!4.mgr.sfullngt. '"[ 6. J rsskUrslaskalfrWYannigaWhnsUniaWskild$(#\ arniWurstWurfyrirlftryggingarogskaWatryggingar. ( Allartekjur,einkumiWgjld,greiWslurfrendur  tryggjendumogfjrfestingatekjur,ogtgjld,eink X umvtryggingabtur,aukninglftryggingaskuldar, , endurtryggingariWgjldogrekstrartgjldtengslum  viWvtryggingastarfsemi,skulusundurliWuWsam \ kvmtupprunasnum.SkiptingYesssemsameigin 0 legterbWumtegundumstarfseminnarskalb;kfrW  samkvmtreglumsemeftirlitsyfirvldsamYykkja.  ` VtryggingaflgskulusemjaskUrslugrundvelli  p  rsreikningsYarsemskUrtkomaframaWstoWarhfir D   lgmarkshlutareiginfjrsemtakatilhverrarhugs    aWrarlgmarkskrfuumeigiWfsemumgetur2.  t  mgr.,samrmiviW4.mgr.98.gr. H  7.  EffjrhWaWstoWarhfralgmarkshlutaeigin X0  fjr,hvaWvarWaraWrahvorategundstarfseminnar,   dugarekkitilaWtakatillgmarksfjrskuldbindinga   semumgeturfyrstuundirgrein3.gr.skulueftirlits \4  yfirvldbeitaYeimrWstfunumsemkveWiWerum   YessarireglugerWgagnvartYeirristarfsemi,;hW   niWurstWunumhinnitegundstarfseminnar. `8 XrttfyriraWraundirgrein2.mgr.getarWstafanir pH YessartekiWtilheimildatilfrslubeinnarfortaks  laustaWstoWarhfrahlutaeiginfjrfrannarriteg  undstarfseminnartilhinnar. tL   VI.KAFLI \  Reglurummateignumogskuldum, l vtryggingaskuldum,eiginf,gjaldYolskrfum, @ lgmarkskrfumumeigiWfog  fjrfestingarreglum  p 1.Yttur   Mateignumogskuldum   75.gr.    Mateignumogskuldum  ! 1.  SannaWekkitekiWframskuluaWildarrki " tryggjaaWvtryggingaflg,Y.m.t.endurtrygginga l# flg,metieignirogskuldirsemhrsegir: @ $ a)0  EignirskulumetnarYfjrhWsemunnteraW P!(% skiptaYeimfyrirviWskiptum;tengdraaWilasem !& eruupplUstirogfsirtilviWskiptanna."' b)0  SkuldirskulumetnarYfjrhWsemunnteraW #( yfirfraYr,eWageraupp,viWskiptum;tengdra d$< ) aWilasemeruupplUstirogfsirtilviWskiptanna.% * XegarmaterlagtskuldirbliWskalekkifram  &!+ kvmaneinarleiWrttingartilaWhafahliWsj;naf &", lnsfjrstWuvtryggingaeWaendurtryggingaflags x'P#- ins. $(#. 2. J Framkvmdastj;rninskalsamYykkjafram (. kvmdarrWstafanirtilaWsetjaframaWferWirog / forsendursemnotaskalviWmateignumogskuld X0 umeinsogmlterfyrirum1.mgr. ,1 XessarrWstafanir,semertlaWaWbreytaveigalitl <2 umYttumYessarartilskipunarmeWYvaWaukaviW 3 hana,skulusamYykktarsamrmiviWstj;rnsUslu l4 mlsmeWferWinameWathugunsemumgetur3.mgr. @ 5 301.gr.  6   2.Yttur  7  Reglurumvtryggingaskuld  8  76.gr.  9  AlmennkvWi , :  81. J AWildarrkiskulutryggjaaWvtryggingaflg, < ; Y.m.t.endurtryggingaflg,komivtrygginga  < skuldumaWYvervarWarallarvtrygginga-ogend l = urtryggingaskuldbindingarYeirragagnvartvtrygg @ > ingatkumogrtthfumsamningaumvtryggingar  ? ogendurtryggingar. p@ 2. J GildivtryggingaskuldaskalsamsvarafjrhW A innisemvtryggingaflg,Y.m.t.endurtrygginga T,B flg,YyrftuaWgreiWaefYauflyttuvtrygginga-og C endurtryggingaskuldbindingarsnartilannarsv D trygginga-eWaendurtryggingaflags. X0E 3. J ViWtreikningvtryggingaskuldskalnotastviW h@F upplUsingarfjrmlamarkaWannaogalmenntaW G gengilegggnumslutryggingarhttu(sam H kvmnimarkaWi)ogverasamrmiviWYauggn. lDI 4. J VtryggingaskuldirskulureiknaWarvarfrinn, |TJ reiWanleganoghlutlganhtt. (K 5. J Btreikningurvtryggingaskuldskalverasam 8L rmiviW77.!82.gr.og86.gr.,samkvmtmegin M reglunumsemsettarerufram2.!4.mgr.ogmeW hN tillititilmeginreglnannasemsettarerufram1. <O mgr.75.gr. P   77.gr. Q  Btreikningurvtryggingaskuld !R  71. J VirWivtryggingaskuldaskalverajafntsaman "S lagWrifjrhWbestamatsogvikmrkumhttueins "T ogsetterfram2.og3.mgr. p#HU 2. J BestamatskalsamsvaralkindavegnumeWaltali $X V framtWarsj;Wstreymis,takatillittiltmavirWisfjr ,%!W muna(vntnvirWiframtWarsj;Wstreymis),ognota %!X viWeiganditmavirWihvaWvarWarhttulausavexti. &\"Y BtreikningbestamatsskalbyggjauppfrWumog 'l#Z trverWugumupplUsingumograunhfumforsend@($[ um,ogskalfullngjandi,gildandiogviWeigandi ( tryggingafrWilegumogtlfrWilegumaWferWum  beitt. X Sj;WstreymisspinsemnotuWerviWtreikning h bestamatiskaltakatillittilallsinn-ogtstreymis < handbrsfjrsemYrfertilaWjafnavtrygginga  kvaWir,Y.m.t.endurtryggingakvaWir,meWanYr l gilda. @  Bestamatskalreiknabrtt;,nYessaWdregnarsu P ( frendurheimtanlegarfjrhWirvegnaendurtrygg    ingarsamningaogflagameWsrstakantilgang.    XessarfjrhWirskalreiknasrstaklega,samrmi T ,  viW81.gr.    3.  VikmrkhttuskulukvrWuWYannigaWYau   tryggiaWvtryggingaskuldsjfnupphWinnisem   vnstsaWvtryggingaflg,Y.m.t.endurtrygginga h@  flg,krefjisttilaWtakayfiroguppfyllavtrygg   ingakvaWir,Y.m.t.endurtryggingakvaWir.   4.  Vtryggingaflg,Y.m.t.endurtryggingaflg,   skulumetabestamatogvikmrkhttuaWskiliW. |T EfunnteraWendurtakaframtWarsj;Wstreymi d tengslumviWvtryggingakvaWir,Y.m.t.endurtrygg 8 ingakvaWir,meWreiWanlegumhttimeWYvaWnota  fjrmlagerningameWreiWanlegtogsannreynanlegt h markaWsgildi,skalgildivtryggingaskuldasem < tengjastYessuframtWarsj;WstreymiY;kveWiW  grundvellimarkaWsgildisYessaravtryggingaskulda. l 0YessutilvikiskalekkigerWkrafaumaWskildat @ reikningabestamatiogvikmrkumhttu.  5.  Efvtryggingaflg,Y.m.t.endurtryggingaflg,  metabestamatogvikmrkhttuaWskiliWskal  reiknavikmrkhttumeWYvaWkveWakostnaW T, innviWaWtvegatkteigiWfsemerjafntgjald   YolskrfunnisemnauWsynlegertilaWstandaundir ! kvWumvtryggingaflaga,Y.m.t.endurtrygginga X0" flg,meWanYrgilda. # VextirnirsemnotaWirerutilaWkveWakostnaWinn $ viWaWtvegaYfjrhWviWurkenndseiginfjr % (vextirfjrmagnskostnaWar)skuluverahinirsmu l D& fyrirllvtryggingaflg,Y.m.t.endurtrygginga !' flg,ogskuluendurskoWaWirreglulega. !( VextirfjrmagnskostnaWarsemnotaWireruskulu ") verajafnirviWb;tarvxtunum,hrrienviWeigandi #X* httulausirvextir,semvtrygginga-eWaendur ,$ + tryggingaflagstofnartilmeWfjrhWviWurkennds $ , eiginfjreinsogsetterfram3.Ytti,jafnhir %\!- gjaldYolskrfusemnauWsynlegertilaWstandaundir 0&".  skuldbindingumsviWivtrygginga,Y.m.t.endur &"/ tryggingar,& h  meWanYessarskuldbindingareruviW (/ lUWi. 0   78.gr.'h( 1  AWrirYttirsemtakaYarftillittilviW 2 treikningvtryggingaskuldum x3  0viWb;tviWYaWsemsegir77.gr.skuluvtrygg 4 ingaflg,Y.m.t.endurtryggingaflg,takaeftirfar \ 45 anditilgreinaviWtreikningvtryggingaskuldum:  6 1)0 J allankostnaWsemstofnaWertilYvskyniaW  7 uppfyllaskuldbindingarsviWivtryggingaog  8 endurtrygginga,p H9JJ 2)0 J verWb;lgu,Y.m.t.verWb;lgavegnakostnaWarog  X : tj;na,, ;JJ 3)0 J allargreiWslurtilvtryggingartakaogrtthafa, < < Y.m.t.valkvWg;WahlutdeildframtWinni,sem  = vtryggingaflg,Y.m.t.endurtryggingaflg, l > reiknameWaWgreiWa,einnigYrgreiWslursem @ ? tryggWarerusamningum,nemaYrfalliundir  @ 2.mgr.91.gr.pAJJ   79.gr. B  Matfjrhagslegumtryggingumog C samningsbundnumrttindumsem d<D vtryggingasamningar,Y.m.t. E endurtryggingarsamningar,takatil F  ViWtreikningvtryggingaskuldumskuluvtrygg G ingaflg,Y.m.t.endurtryggingaflg,takafjrhags xPH legartryggingartilgreina,semogsamningsbundin $I rttindisemstefnavtryggingaflaga,Y.m.t.endur J tryggingaflaga,tekurtil. |TK Allarforsendurvtryggingaflaga,Y.m.t.endur dL tryggingaflaga,aWYvervarWarlkurnarYvaW 8M vtryggingartakarbeitisamningsbundnumrttindum, N Y.m.t.niWurfellingogendurkaup,skuluveraraun hO hfarogbyggWargildandi,trverWugumupplUs <P ingum.0forsendunumskulu,meWbeinumeWa;bein Q umhtti,tekintilgreinaYauhrifsemframtWar lR breytingarfjrhagslegumog;fjrhagslegumskil @ S yrWumkunnaaWhafaframkvmdYessarakosta.  T   80.gr. !U  LiWun   #V *Vtryggingaflg,Y.m.t.endurtryggingaflg,skulu $W sundurliWavtryggingakvaWir,Y.m.t.endurtrygginga $ X kvaWir,snareinsleitahttuflokka,a.m.k.eftirat t%L!Y vinnugreinum,YegarYaureiknatvtryggingaskuld  &!Z  irsnar.&"[   & $  81.gr. (  EndurheimtanlegarfjrhWirvegna 8 endurtryggingarsamningaogflagameW  srstakantilgang h  Btreikningar'$(vtryggingaflaga,Y.m.t.endurtrygg x ingaflaga,endurheimtanlegumfjrhWumvegna L$ endurtryggingarsamningaogflagameWsrstakan  tilgangskuluverasamrmiviW76.!80.gr.  | ViWtreikningendurheimtanlegumfjrhWum   vegnaendurtryggingarsamningaogflagameWsr ` 8  stakantilgangskuluvtryggingaflg,Y.m.t.endur    tryggingaflg,hafatmamuninnmilliendurheimta    ogbeinnagreiWslnatilhliWsj;nar. d <  NiWurstaWaYeirratreikningaskallguWaWYvaW tL  takavnttp,vegnaYessaWm;taWililendirvan    skilum,tilgreina.SaWlgunskalbyggWmati   lkunumYvaWm;taWililendivanskilumog xP  meWaltapsemafYvstafar(tapvegnavanskila). $    82.gr. 4   GWigagnaogbeitingnlgana,Y.m.t. D treikningurhverjutilvikifyrirsig,vegna  vtryggingaskulda t # AWildarrkiskulutryggjaaWvtryggingaflg,Y.m.t.  endurtryggingaflg,komiinnriferlumogmls X0 meWferWumtilaWtryggjaaWYauggnsemnotuWeru  viWtreikningvtryggingaskuldumsuviWeigandi,  heillegognkvm. \4 Efvtryggingaflg,Y.m.t.endurtryggingaflg, lD hafa,viWsrstakaraWstWur,aWeinsyfiraWrWa;  n;gumggnumafviWeigandigWumtilaWbeita  reiWanlegritryggingafrWilegriaWferWmengieWa pH hlutmengivtryggingakvaWasinna,Y.m.t.endur  tryggingakvaWir,eWaendurheimtanlegarfjrhWir   vegnaendurtryggingarsamningaogflagameWsr tL! stakantilgang,mnotaviWeigandinlgun,Y.m.t.t  " reikningurhverjutilvikifyrirsig,tilaWreiknat # bestamat. xP$   83.gr.  `%  SamanburWurviWfyrrireynslu !p& d Vtryggingaflg,Y.m.t.endurtryggingaflg,skulu "' komainnriferlumogmlsmeWferWumtilaW T#,( tryggjaaWbestamat,ogYrforsendursemliggjatil $) grundvallartreikningumYv,sreglulegaboriW $ * samanviWfyrrireynslu. X%0!+ EfsamanburWurinnleiWirlj;skerfisbundiWfrvik h&@", millifyrrireynsluogtreikningsbestamativ '"- trygginga-ogendurtryggingaflagaskalhlutaWeig '#. andiflaggeraviWeigandileiWrttingarYeimtrygg l(D$/ ingafrWileguaWferWumsembeittvarog/eWafor (/ sendunumsembjugguaWbaki. 0   84.gr. 1  ViWeigandistigvtryggingaskulda 2  EfeftirlitsyfirvldfaraframYaWskuluvtrygg 3 ingaflg,Y.m.t.endurtryggingaflg,sUnafram 4 viWeigandistigvtryggingaskulda,semogbeitingu \ 45 oggildiaWferWasemnotaWarvoruoghversuveltl  6 frWiggnindugWusemlgWvorutilgrundvallar.  7   85.gr.  8  Hkkunvtryggingaskuld  9   AWYvmarkisemtreikningarvtryggingaflaga,  : Y.m.t.endurtryggingaflg,vtryggingaskuldum h ; faraekkiaW76.!83.gr.getaeftirlitsyfirvldkrafist < < YessaWvtryggingaflg,Y.m.t.endurtrygginga  = flg,hkkifjrhWvtryggingaskuldatilYessaW l > hnsamsvariYvstigisemkveWiWersamkvmt @ ? Yessumgreinum.  @   86.gr. A  FramkvmdarrWstafanir   B yFramkvmdastj;rninskalsamYykkjaframkvmdar C rWstafanirsemmlafyrirumeftirfarandi: D a)0 J tryggingafrWilegaogtlfrWilegaaWferWafrWi E tilaWreiknatbestamatsemumgetur2.mgr. \F 77.gr.,0GJJ b)0 J viWeiganditmavirWihvaWvarWarhttulausa @H vextisemnotaskaltilaWreiknatbestamatsem I umgetur2.mgr.77.gr.,pJJJ c)0 J YautilvikYarsemvtryggingaskuldirskalreikna K theild,eWasemsamanlagWafjrhWbesta T,L matsogvikmrkhttu,ogYraWferWirsem M notaskalYegarvtryggingaskuldirerureiknaWar N theild,X0OJJ d)0 J YraWferWirogforsendursemnotaskalviWt h@P reikningvikmrkumhttu,Y.m.t.aWkvarWa  Q fjrhWviWurkenndseiginfjrsemnauWsynleger  R tilaWstandaundirskuldbindingumsviWiv l!DS trygginga,Y.m.t.endurtryggingar,ogkvrWun "T vaxtafjrmagnskostnaWar,"UJJ e)0 J atvinnugreinarsemliggjatilgrundvallarniWur #V hlutunskuldbindingasviWivtrygginga,Y.m.t. $X W endurtryggingar,viWtreikningvtrygginga ,%!X skuldum,%!YJJ f)0 J staWlasemYarfaWuppfyllatilaWtryggjaaW &"Z ggninsemnotuWeruviWtreikningvtrygg 'l#[ ingaskuldumsuviWeigandi,heillegognkvm,$@($\JJ $ogYrsrstkuaWstWurYarsemviWeigandi ( vriaWbeitanlgunum,Y.m.t.skoWunhverju  tilvikifyrirsig,tilaWreiknatbestamat,X g)0  aWferWafrWinasembeitaskalviWtreikning h vanskilaaWlgunm;taWilasemumgetur81.gr. < ogertilYessgerWaWnyfirvnttapvegnavan  skilam;taWila,l h)0  einfaldaWaraWferWirogtkni,efnauWsynkrefur,  | viWtreikningvtryggingaskuldum,tilaW P ( tryggjaaWYrtryggingafrWileguogtlfrWi    leguaWferWirsemumgetura-ogdliWsu    samrmiviWeWli,umfangogmargbreytileika T ,  httunnarsemvtryggingaflg,Y.m.t.endur    tryggingaflg,standaundir,Y.m.t.bundinfrum   trygginga-ogendurtryggingaflg.X0  XessarrWstafanir,semertlaWaWbreytaveigalitl h@  umYttumYessarartilskipunarmeWYvaWaukaviW   hana,skulusamYykktarsamrmiviWstj;rnsUslu   mlsmeWferWinameWathugunsemumgetur3.mgr. lD  301.gr.     3.Yttur (  EigiWf 8  1.undirYttur H   kvrWuneiginfjr X0  87.gr. h@  EigiWf xP  DEigiWfskalsamanstandaafsummuviWurkennds ` eiginfjr,semumgetur88.gr.,ogfylgiYttaeigin 4  fjrsemumgetur89.gr.    88.gr.   ViWurkennteigiWf   ViWurkennteigiWfskalsettsamanreftirfarandi:  1)0  eignirumframskuldir,metnarsamrmiviW75.    gr.og2.Ytt,! 2)0  vkjandiskuldbindingar. " UmframfjrhWsemumgetur1.tluliWskallkk !# uWsemnemurfjrhWeiginhlutabrfavtrygginga- "p$ eWaendurtryggingaflags. D#%   89.gr. T$, &  FylgiYttireiginfjr  d% 1. J FjrhWirfylgihlutaeiginfjrsemtakaskaltillit d<? tilYegareigiWferkvarWaWskalhWfyrirvaraum @ fyrirframsamYykkieftirlitsyfirvalda. A 2. J UpphWinsemkvrWuWerfyrirhvernhluta B fylgihlutaeiginfjrskalendurspeglagetuhlutanstil xPC aWtakasigtapogskalbyggtvarfrnumograun $D hfumforsendum.EffylgihlutureiginfjrermeW E fastnafnverWskalfjrhWYesshlutarjafngildanafn |TF verWiYess,efhnendurspeglargetuhlutanstilaW (G takasigtap. H 3. J EftirlitsyfirvldskulusamYykkjaannaWhvort I eftirfarandiatriWa: hJ a)0 J fjrhWfyrirhvernhlutafylgihlutareiginfjr,xKJJ b)0 J aWferWtilaWkvarWafjrhWfyrirhvernhluta L fylgihlutareiginfjr,ogskalYsamYykkieftir \ 4M litsyfirvaldafjrhWinnikveWiWsamrmiviW !N YaWferWogveitttiltekinntma.!OJJ 4. J Fyrirhvernhlutafylgihlutareiginfjrskulueftir "P litsyfirvldbyggjasamYykkisittmatieftirfar p#HQ andi: $R a)0 J stWuviWkomandim;taWila,meWtillititilYess ,%!S hvortYeirgetagreittogsufsirtilYess,%!TJJ b)0 J endurheimtanleikafjrins,meWtillititillagalegs &"U  formshlutarinsogallraskilyrWasemgtukomiW$'l#VJJ $vegfyrir& X  aWhluturinnyrWiinnborgaWureWainn ( kallaWur,'X( c)0  llumupplUsingumumniWurstWurfyrriinnkall  anasemvtryggingaflg,Y.m.t.endurtrygginga h flg,hafagerthvaWvarWarslkafylgihlutaeigin < fjr,aWYvmarkisemunnteraWnotaupplUsing  arnarmeWreiWanlegumhttitilaWmetavnta l tkomuinnkallanaframtWinni.@    91.gr. P (  Umframtekjur  ` 8  O1.  UmframtekjurskuluteljastuppsafnaWurhagnaWur p H  semekkihefurveriWgerWuraWgengilegurtilt    greiWslutilvtryggingatakaogrtthafa.   2.  AWsvomikluleytisemlandslgheimilaum   framtekjurskalekkilitiWYrsemskuldir,aWYv \  markisemYruppfyllaviWmiWanirnarsemsettareru 0  fram1.mgr.94.gr.     92.gr.    FramkvmdarrWstafanir   1.  Framkvmdastj;rninskalsamYykkjafram   kvmdarrWstafanirsemtilgreinaeftirfarandi:  a)0  viWmiWanirfyriraWveitasamYykkieftirlitsyfir  valdasamrmiviW90.gr.tL b)0  hvernigfariWskalmeWhlutdeildskilningi3. \ undirgreinar2.mgr.212.gr.fjrmla-oglna 0 stofnunum,aWYvervarWarkvrWuneiginfjr. XessarrWstafanir,semertlaWaWbreytaveigalitl  umYttumYessarartilskipunarmeWYvaWaukaviW p hana,skulusamYykktarsamrmiviWstj;rnsUslu D mlsmeWferWinameWathugunsemumgetur3.mgr.  301.gr. t 2.  Eftirfaranditelsthlutdeildfjrmla-oglna  stofnunumsemumgeturbliW1.gr.: X0  a)0  hlutdeildsemvtryggingaflg,Y.m.t.endur h@! tryggingaflg,eiga: "   i.0  lna-ogfjrmlastofnunumskilningi1. $!# mgr.og5.mgr.4.gr.tilskipunar2006/48/ !$ EB,|"T%   ii.0  fjrfestingarfyrirtkjummerkingu1.liWar1. #d& mgr.4.gr.tilskipunar2004/39/EB,8$ ' b)0  vkjandikrfuroggerningar,semumgetur63. H% !( og64.gr.tilskipunar2006/48/EB,semvtrygg %!) ingaflg,Y.m.t.endurtryggingaflg,eigaaW &x"* YvervarWareiningarsemskilgreindarerualiW L'$#+ Yessarargreinar,YarsemYaueigahlutdeild.'#,   2.undirYttur (,  Flokkuneiginfjr 8-  93.gr. H .  EinkenniogaWrireiginleikarsembeittertilaW X0/ flokkaeiginfstig  0 1. J HlutareiginfjrskuluflokkaWirYrjstig.  1 FlokkunYessarahlutarWstafYvhvortumhluta  2 viWurkenndseiginfjreWahlutafylgihlutaeiginfjr l D3 eraWrWa,ogaWhvemikluleytiYeirbiyfireftir  4 farandieiginleikum:  5 a)0 J hluturinnertiltkur,eWahgtergerakrfuum  6 aWhannverWiinnkallaWur,tilaWberatapfram  X 7 haldandirekstrarhfiogviWslit(vallttilstaW , 8 ar), 9JJ b)0 J komitilslitaerheildarfjrhWhlutarinstiltktil  : aWberatapogereigandameinaWumendur l ; greiWsluhlutarinsYartilallarskuldbindingar, @ < Y.m.t.vtrygginga-ogendurtryggingarskuldirtil  = vtryggingatakaogrtthafavegnavtrygginga- p> ogendurtryggingarsamninga,hafaveriWgreiddar D? (undirskipun).@JJ 2. J XegarmetiWeraWhvemikluleytihlutireiginfjr A hafiyfirYeimeinkennumaWrWasemsetterufram B a-ogbliW1.liWar,nogframtWinni,skalfullt X0C tillittekiWtilvaranleikahlutarins,einkumYesshvort D hannergildieWaekki.Efhlutureiginfjrerfallinn E rgildiskallitiWtiltiltlulegsvaranleikahans,boriW \4F samanviWvaranleikavtrygginga-ogendurtrygg G ingaskuldbindingafyrirtkisins(ngilegurvaran H leiki). `8I AWaukiskallitiWtileftirfarandi: pHJ a)0 J YesshvorthluturinnshWurkrfumeWahvtum XK tilaWinnleysanafnverWiW(engirhvatartilinn ,L lausnar),MJJ b)0 J YesshvorthluturinnshWurskyldubundnum, N fstumgjldum(enginskyldubundinviWhalds lO Yj;nusta),@ PJJ c)0 J YesshvorthluturinnslausviWYyngjandi P!(Q kvWi(enginYyngjandikvWi).!RJJ   94.gr.  #S  HelstuviWmiWanirfyrirflokkunstig  $T  1. J HlutaviWurkenndseiginfjrskalflokka1.stig ,%!U efYeirbameginatriWumyfireinkennumsemsett %!V eruframa-ogbliW1.mgr.93.gr.,aWteknutilliti &\"W tileinkennasemsetterufram2.mgr.93.gr. 0'#X 2. J HlutaviWurkenndseiginfjrskalflokka2.stig@($Y efYeirbameginatriWumyfireinkennisemsetter ( frambliW1.mgr.93.gr.,aWteknutillititileigin  leikasemsettirerufram2.mgr.93.gr. X Hlutafylgihlutaeiginfjrskalflokka2.stigefYeir h bameginatriWumyfireinkennumsemsetteru < frama-ogbliW1.mgr.93.gr.,aWteknutillititil  eiginleikasemsettirerufram2.mgr.93.gr. l 3.  AllahlutaviWurkenndseiginfjrogfylgihluta  | eiginfjrsemfallaekkiundir1.og2.mgr.skal P ( flokka3.stig.      95.gr.     Flokkuneiginfjrstig     ~AWildarrkiskulutryggjaaWvtryggingaflg,Y.m.t. ,  endurtryggingaflg,flokkihlutaeiginfjrYeirra   grundvelliYeirraviWmiWanasemmlterfyrirum \  94.gr. 0  0Yvskyniskuluvtryggingaflg,Y.m.t.endur @  tryggingaflg,vsatilskrrinnarumhlutaeiginfjr   semvsaWertilaliW1.mgr.97.gr.YarsemYaW p viW. D Efhlutureiginfjrerekkiskrnniskuluvtrygg T, ingaflg,Y.m.t.endurtryggingaflg,metahannog  flokka,samrmiviW1.mgr.SflokkunskalhW  samYykkieftirlitsyfirvalds. X0   96.gr. h@  FlokkunsrtkrahlutaeiginfjrhvaWvarWar xP vtryggingar  $ %MeWfyrirvaraum95.gr.ogaliW1.mgr.97.gr.aW 4  YvervarWarYessatilskipunskaleftirfarandiflokk  unumbeitt: d 1)0  Umframtekjursemfallaundir2.mgr.91.gr. t skuluflokkaWar3.stig,H  2)0  LoforWumlnveitinguogbyrgWirsem;hWur X0  fjrvrsluaWilivarWveitirfjrvrslusj;Wum ! YguvtryggingalnardrottnaoglgWeruframaf " lnastofnunumsemerumeWstarfsleyfisam \ 4# rmiviWtilskipun2006/48/EB,skuluflokkuW !$ 2.stig,!% 3)0  allarkrfurframtWinnisemgagnkvmflgog "& svipuWflgskipaeigendameWbreytilegiWgjld, p#H' semeingngutryggjahttursemtaldareruupp $( flokkum6,12og17AhlutaI.viWauka,kunna $ ) aWeigahendurmeWlimumsnumformikrfu t%L!* umviWb;tarframlaginnannstut;lfmnaWa,  &!+ skuluflokkaWar2.stig.&", 0samrmiviWannanundirliW2.mgr.94.gr.skulu '#- allarkrfurframtWinnisemgagnkvmflgog (`$. svipuWflgmeWbreytilegiWgjldkunnaaWeiga (. hendurmeWlimumsnumformikrfuumviWb;tar / framlaginnannstut;lfmnaWaogfallaekkiundir X0 3.liWfyrstaundirliWar,flokkaWar2.stig,efYrba ,1 meginatriWumyfirYeimeinkennumsemsetteru 2 frama-ogbliW1.mgr.93.gr.meWtillititilYeirra \3 einkennasemsetterufram2.mgr.93.gr. 04   97.gr. @ 5  FramkvmdarrWstafanir  P (6 1. J Framkvmdastj;rninskalsamYykkjafram ` 87 kvmdarrWstafanirsemmlafyrirumeftirfarandi:  8 a)0 J skryfirhlutaeiginfjr,Y.m.t.Ysemumgetur  9 96.gr.ogteljastuppfyllaviWmiWanir,semum  : getur94.gr.oginnihaldankvmalUsingu, tL ; fyrirhvernhlutaeiginfjr,Yeimeinkennum   < semrWuflokkuninni, =JJ b)0 J aWferWirnarsemeftirlitsyfirvldskulunotaviW  > samYykkimatiogflokkunhlutaeiginfjrsem ` ? eruekkiskrnnisemumgeturaliW.4 @JJ XessarrWstafanir,semertlaWaWbreytaveigalitl DA umYttumYessarartilskipunarmeWYvaWaukaviW B hana,skulusamYykktarsamrmiviWstj;rnsUslu tC mlsmeWferWinameWathugunsemumgetur3.mgr. H D 301.gr. E 2. J Framkvmdastj;rninskalendurskoWareglulega F oguppfra,eftirYvsemviW,skrnasemumgetur G aliW1.mgr.,lj;simarkaWsYr;unar. \4H   3.undirYttur lDI  ViWurkenningeiginfjrliWum |TJ  98.gr. dK  Hfiogtakmarkanirsemgildaum tL 1.,2.og3.stig H M X# 1. J HvaWYaWvarWaraWfariWsaWgjaldYolskrfu X0N skuluaWstoWarhfarfjrhWir2.og3.stigsvera O hWarmagntakmrkunum.Xessartakmarkanirskulu P tryggjaaWeftirfarandiskilyrWisuuppfylltaW \ 4Q minnstakosti: !R a)0 J hlutfall1.stigshlutaviWurkenndseiginfjrer "S hrraeneinnYriWjiafheildarfjrhWviWur "T kenndseiginfjr,p#HUJJ b)0 J aWstoWarhffjrhW3.stigshlutaerlgrien $X V einnYriWjiafheildarfjrhWviWurkenndseigin ,%!W fjr.%!XJJ 2. J HvaWYaWvarWaraWfariWsaWlgmarkskrfum &"Y umeigiWfskuluaWstoWarhfirlgmarkshlutareigin 'l#Z fjr,semtakatillgmarkskrfunnarumeigiWfog@($[ flokkaWireru2.stig,verahWirmagntakmrkun ( um.XessartakmarkanirskuluaWlgmarkitryggjaaW  hlutfallviWurkenndseiginfjr1.stigishrraen X heildarfjrhWviWurkenndseiginfjr. , 3.  ViWurkenndfjrhWeiginfjrtilaWnyfirgjald < Yolskrfunasemsetterfram100.gr.skalverajfn  summufjrhWarinnar1.stigi,viWurkenndufjr l hWina2.stigiogviWurkenndufjrhWina3. @  stigi.   4.  ViWurkenndfjrhWviWurkenndseiginfjrtilaW    nyfirlgmarkskrfunaumeigiWfsemsetterfram    128.gr.skalverajfnsummufjrhWarinnar1. T ,  stigioghinnarviWurkenndufjrhWarhlutaviWur    kenndseiginfjr2.stigi.     99.gr.    FramkvmdarrWstafanir    ,Framkvmdastj;rninskalsamYykkjaframkvmdar   rWstafanirsemmlafyrirum: `  a)0  magntakmarkanirsemumgetur1.og2.mgr. p 98.gr.,D b)0  aWlaganirsemgeraskaltilaWendurspeglafram T, salshfisskortYessarahlutaeiginfjrsemaWeins  erhgtaWnotatilaWstandastraumaftpum  vegnasrstakrastarfsYttaskuldaeWavegnasr X0 stakrahttna(sj;WirsemhaldiWeraWgreindum). XessarrWstafanir,semertlaWaWbreytaveigalitl  umYttumYessarartilskipunarmeWYvaWaukaviW  hana,skulusamYykktarsamrmiviWstj;rnsUslu lD mlsmeWferWinameWathugunsemumgetur3.mgr.  301.gr.    4.Yttur   GjaldYolskrafa   1.undirYttur    AlmennkvWiumgjaldYolskrfunameWYv ! aWnotastaWalformlunaeWainnralkan "  100.gr.  #  AlmennkvWi  !$ 0AWildarrkiskulukrefjastYessaWvtryggingaflg, "% Y.m.t.endurtryggingaflg,eigitkteigiWf. #d& GjaldYolskrafanskalannaWhvortreiknuWtsam $t ' rmiviWstaWalformlu2.undirYttieWameWYv H% !( aWnotainnralkaneinsogsetterfram3.undir %!)  Ytti. &x"*   & x  101.gr. (*  BtreikningurgjaldYolskrfu  8+ !41. J GjaldYolskrafanskalreiknuWtsamrmiviW H , 2.!5.liW.'x(04 - 2. J ForsendatreikningsgjaldYolskrfunniskal . veraaWfyrirtkiWhaldiframstarfsemi. / 3. J GjaldYolskrafanskalkvrWuWYannigaWhn  0 tryggiaWreiknaWsmeWllummagnhttumv l D1 trygginga-eWaendurtryggingaflaga.Hnskaln  2 yfirnverandistarfsemiogstarfsemisemreiknaWer  3 meWaWhefjistinnant;lfmnaWa.HnskalaWeinsn p H4 yfir;vnttpnverandistarfsemi.  5 HnskalsamsvaravgildiviWurkenndseiginfjrv , 6 trygginga-eWaendurtryggingaflags,meWfyrirvara  7 um99,5%ryggisstigrsgrundvelli. \ 8 4. J GjaldYolskrafanskalaWminnstakostinyfir l 9 eftirfarandihttu: @ : a)0 J skaWatryggingarhttu,P(;JJ b)0 J lftryggingarhttu,`8<JJ c)0 J heilsutryggingarhttu,pH=JJ d)0 J markaWshttu,X>JJ e)0 J lnshttu,h?JJ f)0 J rekstrarhttu.x@JJ RekstrarhttasemumgeturfliWfyrstaundirliWar A skaltakatillagalegrarhttuogundanskiljahttu \4B vegnastefnum;tandikvarWanaogmarkaWsfestu C httu. D 5. J ViWtreikninggjaldYolskrfunniskuluv E tryggingaflg,Y.m.t.endurtryggingaflg,takamiW pHF afmildandiaWferWum,aWYvtilskilduaWlnshtta G ogaWrarhttursemstafaafslkumaWferWumkomi H ngjanlegavelframgjaldYolskrfunni. tLI   102.gr. \J  TWnitreikninga   lK =1. J Vtryggingaflg,Y.m.t.endurtryggingaflg, !|L skulureiknagjaldYolskrfunaaWminnstakostieinu P"(M sinnirioggefaeftirlitsyfirvldumskUrsluum "N niWurstWutreikninganna. #O Vtryggingaflg,Y.m.t.endurtryggingaflg,skulu $ P eigatkteigiWftilaWnyfirgjaldYolskrfunasem d% skaWatryggingumoghttueiningumheilsutrygg 8? inga. @ XessarbreyturskulukvarWaWargrundvelliinnri A gagnaviWkomandiflagseWagagnasemskiptaYaW xB beinlnismliogskalstWluWumaWferWumbeitt. L$C XegareftirlitsyfirvldveitasamYykkisittskuluYau \4D sannreynaaWggninsemnotuWerusufullngjandi, E nkvmogviWeigandi. F   105.gr. G  BtreikningurgrunngjaldYolskrfu  H S1. J GrunngjaldYolskrafanskalreiknuWtsamrmi I viW2.!6.liW. hJ 2. J httueiningfyrirskaWatrygginguskalendur xK speglahttunasemstafaraftryggingakvWum L$L skaWatrygginga,meWtillititilhttusemtryggter M gegnogvinnsluferlasembeitterviWstarfsemina.  |N HnskalhafahliWsj;naf;vissuniWurstaWnav !O tryggingaflaga,Y.m.t.endurtryggingaflg,hvaW `"8P varWargildandivtrygginga-ogendurtrygginga  #Q skuldbindingar,oghvaWvarWarnUjastarfsemisem #R reiknaWermeWaWhefjistinnant;lfmnaWa. d$< S 0samrmiviW2.liWIV.viWaukaskalhnreiknuW t%L!T tsemsamsetningeiginfjrkrafnafyrireftirfarandi  &!U undireiningarhiWminnsta: &"V a)0 J httutapieWaneikvWribreytinguverWmti '#W vtryggingaskuldasemstafarafsveiflumtma$(`$XJJ $setningum,tWniogYvhversualvarlegirhinir ( tryggWuatburWireru,semogtmasetninguog  fjldab;takrafna(skaWatryggingaiWgjldog X varasj;Wshtta),, b)0  httutapieWaneikvWribreytinguverWmti < vtryggingaskuldasemstafarafumtalsverWri;  vissuhvaWvarWarverWlagninguogskuldbinding l artengslumviWaftakaviWburWiog;vntaviW @  burWi(st;rslysahttaskaWatrygginga).  3.  httueiningfyrirlftrygginguskalendurspegla    httunasemstafaraftryggingakvWumlftrygg    inga,meWtillititilhttnasemtryggtergegnog T ,  vinnsluferlasembeitterviWstarfsemina.    0samrmiviW3.liWIV.viWaukaskalhnreiknuW   tsemsamsetningeiginfjrkrafnafyrireftirfarandi   undireiningarhiWminnsta: h@  a)0  httutapieWaneikvWribreytinguverWmti xP  vtryggingaskuldasemstafarafbreytingum $  stigi,Yr;unog;stWugleikadnartWni,efaukin   dnartWniveldurYvaWverWmtivtrygginga |T skuldaaukast(httavegnadauWa),( b)0  httutapieWaneikvWribreytinguverWmti 8 vtryggingaskuldasemstafarafbreytingum  stigi,Yr;unog;stWugleikadnartWni,eflkk h uWdnartWniveldurYvaWverWmtivtrygg < ingaskuldaaukast(httavegnalanglfis), c)0  httutapieWaneikvWribreytinguverWmti  vtryggingaskuldasemstafarafbreytingum | stigi,Yr;unog;stWugleikatWnisviWiftlunar, P( veikindaogsjkd;ma(httavegnaftlunareWa  sjkd;ma), d)0  httutapieWaneikvWribreytinguverWmti  vtryggingaskuldasemstafarafbreytingum d<  stigi,Yr;unog;stWugleikatgjaldasemstofnaW ! ertilYvskyniaWstaWiWverWiviWsamninga " sviWivtrygginga-eWaendurtrygginga(rekstrar h@# kostnaWarhttavegnalftrygginga),$ e)0  httutapieWaneikvWribreytinguverWmti $ % vtryggingaskuldasemstafarafbreytingum  & stigi,Yr;unog;stWugleikaendurskoWunarhlut |!T' fallssembeitterlfeyri,vegnabreytinga ("( lagaumhverfinueWabreytingumheilsufarihins ") tryggWa(endurskoWunarhtta),#X* f)0  httutapieWaneikvWribreytinguverWmti $h + vtryggingaskuldasemstafaafbreytingum <%!, stigieWa;stWugleikahvaWvarWarfjldafyrn %!- ingatryggingasamninga,niWurfellinga,endurnUj &l". unarogendurkaupa(fyrningarhtta),@'#/ g)0  httutapieWaneikvWribreytinguverWmtiP(($0 vtryggingaskuldasemstafarafumtalsverWri; (0 vissuhvaWvarWarverWlagninguogskuldbinding 1 artengslumviWaftakaviWburWiog;vntaviW X2 burWi(st;rslysahttalftrygginga).,3JJ 4. J httueininginfyrirheilsutrygginguskalendur <4 speglahttunasemstafaraftryggingakvWumfyrir 5 heilsutryggingu,hvortsemhennierframfylgtsvip l6 aWanhtttknilegaoglftryggingumeWaekki,meW @ 7 tillititilhttusemtryggtergegnogvinnsluferla  8 sembeitterviWstarfsemina.  p9 Hnskala.m.k.takatileftirfarandiatriWa:  : a)0 J httutapieWaneikvWribreytinguverWmti  ; vtryggingaskuldasemstafarafbreytingum d < < stigi,Yr;unog;stWugleikatgjaldasemstofnaW  = ertilYvskyniaWstaWiWverWiviWsamninga  > sviWivtrygginga-eWaendurtrygginga,h@ ?JJ b)0 J httutapieWaneikvWribreytinguverWmti xP @ vtryggingaskuldasemstafarafsveiflumtma $ A setningum,tWniogYvhversualvarlegirhinir  B tryggWuatburWireru,semogtmasetninguog |TC fjldab;takrafnaYegargengiWerfrYeim,(DJJ c)0 J httutapieWaneikvWribreytinguverWmti 8E vtryggingaskuldasemstafarafumtalsverWri; F vissuhvaWvarWarverWlagninguogskuldbinding hG artengslumviWalvarlegarfars;ttirsemkoma <H upp,semog;venjulegauppsfnunhttuviW I svoalvarlegaraWstWur.lJJJ 5. 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HinsamhverfaaWlgunsemgerWerhinnistWl ,$ + uWueiginfjrkrfuog,nryfirhttunasemverWur $ , tilvegnabreytingastigieiginfjr,skalekkileiWa %\!- tilYessaWbeittseiginfjrkrfusemer10%lgri 0&".  eWahrrienhinstaWlaWaeiginfjrkrafa. &"/   &   107.gr. (/  Eiginfjrkrafavegnarekstrarhttu  80 '(1. J Eiginfjrkrafavegnarekstrarhttuskalendur H 1 speglarekstrarhttuaWYvmarkisemhnkemur 2 ekkiYegarframhttueiningunumsemumgetur x3 104.gr.SkalskrafakvrWuWsamrmiviW3.mgr. L$4 101.gr. 5 2. J AWYvervarWarlftryggingarsamningaYarsem  6 tryggingartakarberafjrfestingarhttunaskalt  7 reikningureiginfjrkrfuvegnarekstrarhttutaka ` 88 miWafrlegumkostnaWisemYessartryggingakvaWir  9 hafafrmeWsr.  : 3. J AWYvervarWarreksturvtrygginga,Y.m.t.  ; endurtryggingar,annarraenYeirrasemumgetur2. tL < mgr.,skaltreikningureiginfjrkrfuvegnarekstrar   = httutakamiWafumfangirekstrarinshvaWvarWar  > iWgjldrsinsogvtryggingaskuldirsemhannhefur xP ? yfiraWrWatilaWstandaviWYessarvtrygginga-og $ @ endurtryggingakvaWir.0Yessutilvikiskaleiginfjr  A krafavegnarekstrarhttuekkihafaveriWhrrien |TB 30%afgrunngjaldYolskrfunnihvaWYennanv (C trygginga-ogendurtryggingareksturvarWar. D   108.gr. E  AWlgungetuvtryggingaskuldaogfrestaWra F skattatilaWtakasigtp  xG (AWlguninsemvikiWeraWcliW103.gr.umgetu H vtryggingaskuldaogfrestaWraskattatilaWtakasig \4I tpskalendurspeglamgulegarbturfyrir;vnt J tpmeWYvaWlkkasamtmisvtryggingaskuldir K eWafrestaWaskattaeWahvorttveggja. `8L SaWlgunskaltakatillittilhrifamildunarhttu pHM vegnaeiginkvarWanaumvinningaftrygginga N samningumframtWinni,aWYvmarkisemvtrygg O ingaflg,Y.m.t.endurtryggingaflg,getasUntfram tLP aWnotamegilkkunslkrab;tatilaWnyfir  Q ;vnttpYegarYaukomatil.Xauhrifmildunar R httuvegnaeiginvinningsskuluekkiverahrri xPS ensummanafvtryggingaskuldumogfrestuWum $ T skttumsemvarWaeiginvinningframtWinni.  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I 104.gr.,|JJJ k)0 J staWalaWferWirsemvtrygginga-eWaendurtrygg K ingaflagiWskalnotatilaWreiknatbreytursem `8L eigaviWtiltekiWflagsemumgeturjliW,ogall  M arviWmiWanirmeWtillititilYessaWggninsem N notuWerusufullngjandi,nkvmogviWeig d<O andi,WureneftirlitsyfirvldgefasamYykkisitt,PJJ l)0 J einfaldaWatreikningasemnotamtilteknar  Q undireiningaroghttueiningar,semogviWmiW R anirsemvtryggingaflg,Y.m.t.endurtrygg xPS ingaflg,Y.m.t.bundinfrumtryggingaflgog $ T bundinendurtryggingaflg,skulukrafinumaW  U uppfyllatilaWfleyfitilaWnotaYessareinfald |!TV anireinsogsetterfram109.gr.,("WJJ m)0 J nlgunsembeitaskalgagnvartskyldumflg 8#X um,skilningi212.gr.viWtreikninggjald #Y Yolskrfunni,einkumtreikningundireiningu $h Z hlutabrfahttusemumgetur5.mgr.105.gr., <%![ aWteknutillititillkindannaminnkandi;stW %!\ ugleikavirWiYessaraskylduflagasemstafaaf &l"] stefnumarkandieWliYessarafjrfestingaoghrif @'#^ annasemYtttkuflagiWhefurYessiskyldu '#_ flg.$(p$`JJ $XessarrWstafanir,semertlaWaWbreytaveigalitl ( umYttumYessarartilskipunarmeWYvaWaukaviW  hana,skulusamYykktarsamrmiviWstj;rnsUslu X mlsmeWferWinameWathugunsemumgetur3.mgr. , 301.gr.  2.  Framkvmdastj;rningetursamYykktfram  kvmdarrWstafanirummagntakmarkaniroghfis l viWmiWanirfyrireignirtilaWtakahttumsem @  undireiningtryggirekkingjanlega.Slkarfram   kvmdarrWstafanirskulugildaumfjrmunisemn  p  yfirvtryggingaskuldir,aWundanskildumfjrmunum D   semhaldiWervegnalftryggingarsamningaefv    tryggingatakarberafjrfestingarhttuna.Xessar  t  rWstafanirskalframkvmdastj;rninendurskoWa H  lj;siYr;unarstaWalformlunnarogfjrmlamarkaWa.   XessarrWstafanir,semertlaWaWbreytaveigalitl   umYttumYessarartilskipunarmeWYvaWaukaviW   hana,skulusamYykktarsamrmiviWstj;rnsUslu \4  mlsmeWferWinameWathugunsemumgetur3.mgr.   301.gr.     3.undirYttur   HeildstWeWahlutstWinnrilkn  gjaldYolskrfu X  112.gr. h  AlmennkvWiumsamYykkiheildstWraeWa x hlutstWrainnrilkana  L$ m1.  AWildarrkiskulutryggjaaWvtrygginga-eWa \4 endurtryggingaflggetireiknaWtgjaldYolskrfuna  meWYvaWnotaheildsttteWahlutstttinnralkan  semsamYykkterafeftirlitsyfirvldum. `8 2.  Vtryggingaflg,Y.m.t.endurtryggingaflg, pH getanotaWhlutstWinnrilkntilaWreiknateitt  eWafleirieftirtalinnaatriWa:   a)0  einaeWafleirihttueiningar,eWaundireiningar, ! grunngjaldYolskrfunnareinsoghnersettfram \" 104.og105.gr.,0# b)0  eiginfjrkrfuumrekstrarhttueinsoghner @ $ settfram107.gr., % c)0  aWlguninasemumgetur108.gr.!& AWaukimnotahlutstWreiknilknallastarfsemi  #' vtryggingaflaga,Y.m.t.endurtryggingaflaga,eWa #( aWeinseinaeWafleirihinnastrrirekstrareininga. d$< ) 3.  0llumums;knumumsamYykkiskuluvtrygg t%L!* ingaflg,Y.m.t.endurtryggingaflg,aWlgmarki  &!+ leggjaframskjalfestasnnunYessaWinnralkaniW &", uppfyllikrfurnarsemsettarerufram120.!125.gr. x'P#- Efums;knumYaWsamYykkitengisthlutstWuinnra (`$. lkaniskalaWlagakrfurnarsemsettarerufram (. 120.!125.gr.svoaWtekiWstillittiltakmarkaWs / gildissviWslkansins. X0 4. J EftirlitsyfirvldskulutakakvrWunumums;kn h1 inainnansexmnaWafrYvaWfullfrgenginnium <2 s;knvarveittviWtaka. 3 5. J EftirlitsyfirvldskuluYvaWeinssamYykkjaum 4 s;kninaaWYauhafifullvissaWsigumaWkerfinsem  |5 vtrygginga-eWaendurtryggingaflagiWnotartilaW P (6 greina,mla,fylgjastmeW,stj;rnaogtilkynnaum  7 httusufullngjandi,ogeinkumaWinnralkaniW  8 uppfyllikrfurnarsemumgetur3.mgr. T ,9 6. J EfeftirlitsyfirvldkveWaaWhafnaums;knum d < : leyfitilaWnotainnralkanskuluYautilgreinastW  ; urhfnunarinnar.  < 7. J AWfengnusamYykkieftirlitsyfirvaldafyrirnotk  = uninnralkansmkrefjastYessaWvtryggingaflg, xP > Y.m.t.endurtryggingaflg,leggiframrkstudda $ ? kvrWunviWeftirlitsyfirvld,meWmatigjaldYols  @ krfunnisemkveWinersamrmiviWstaWal |TA formlunaeinsoghnersettfram2.undirYtti. (B   113.gr. 8C  SrtkkvWiumsamYykki H D hlutstWrainnrilkana  E P1. J EftirlitsyfirvldsamYykkjaYvaWeinshlutsttt F innralkanaWYaWuppfyllikrfurnarsemsettareru G fram112.gr.,aukeftirtalinnaskilyrWa: \4H a)0 J flagiWrkstyWurstWunafyrirtakmrkuWu lDI gildissviWim;delsinstilhlUWileganhtt,JJJ b)0 J gjaldYolskrafansemleiWirafm;delinuendur (K speglarbeturhttusniWflagsinsogsamrUmist L einkummeginreglunumsemsettarerufram1. XM undirYtti.,NJJ c)0 J tfrslalkansinsersamrmiviWmeginregl <O urnarsemsettarerufram1.undirYtti,ogYv P erhgtaWaWlagahanastaWalformlugjaldYols lQ krfunnaraWfullu.@ RJJ 2. J Xegarmetinerums;knumleyfitilaWnotahlut P!(S stttinnralkansemaWeinstekurtilkveWinna !T undireiningatiltekinnarhttueiningar,eWanokk "U urrarekstrareiningavtryggingaflags,Y.m.t.endur T#,V tryggingaflagsaWYvervarWartilteknahttuein $W ingueWahvorttveggja,getaeftirlitsyfirvldkrafist $ X YessaWviWkomandiflgleggiframraunhfa X%0!Y brWabirgWatluntilaWaukaviWgildissviWlkans &!Z ins. &"[ 0brWabirgWatluninniskalsettframhvernigv '#\ tryggingaflgin,Y.m.t.endurtryggingaflgin,tlal(D$] aWaukaviWgildissviWlkansinsYannigaWYaWtakitil ( annarraundireiningaeWarekstrareininga,tilYessaW  tryggjaaWlkaniWniyfirstrstahlutatrygginga X starfsemiYeirra,aWYvervarWarYtilteknuhttu , einingu.    114.gr.   FramkvmdarrWstafanir   Framkvmdastj;rninskalsamYykkjaframkvmdar   rWstafanirsemtilgreinaeftirfarandi:   1)0  tilhguninasemfylgjaskalviWsamYykkiinnra    lkansins,p H  2)0  breytingarnarsemgeraskalstWlunumsem  X  settirerufram120.!125.gr.tilYessaWhfWs ,  hliWsj;naftakmrkuWugildissviWihinshlutstWa   innralkans.\  XessarrWstafanir,semertlaWaWbreytaveigalitl l  umYttumYessarartilskipunarmeWYvaWaukaviW @  hana,skulusamYykktarsamrmiviWstj;rnsUslu   mlsmeWferWinameWathugunsemumgetur3.mgr. p 301.gr. D   115.gr. T,  StefnatilaWbreytaheildstWumeWa d< hlutstWuminnrilknum   SemhlutaafupphaflegusamYykktarferliinnralk   ansskulueftirlitsyfirvldsamYykkjastefnunaum  breyttlkanvtrygginga-eWaendurtryggingaflags. xP Vtryggingaflg,Y.m.tendurtryggingaflg,geta $ breyttinnrilknumsnumsamrmiviWYessa  stefnu. |T 0stefnunniskulutilgreindarallarminnihttarog d meirihttarbreytingarinnralkaninu. 8 Meirihttarbreytingarinnralkaninu,semog H  breytingarstefnunni,skulualltafhWarfyrirfram   samYykkieftirlitsyfirvaldaeinsogmlterfyrirum x! 112.gr. L$" Minnihttarbreytingarinnralkaninuskuluekki \ 4# hWarfyrirframsamYykkieftirlitsyfirvalda,aWYv !$ leytisemYreruYr;aWarsamrmiviWstefnuna. !%   116.gr. "&  byrgWstj;rnar,framkvmdastj;rnareWa #' eftirlitsstj;rnar $X ( d Stj;rn,framkvmdastj;rneWaeftirlitsstj;rnvtrygg %h!) ingaflaga,Y.m.t.endurtryggingaflaga,skulusam <&"* Yykkjaums;kninatileftirlitsyfirvaldaumsamYykki &"+  innralkansinssemumgetur112.gr.,semogum 'l#, s;knumsamYykkifyrirllum& X  sWarimeirihttar (, breytingumYvlkani.'X( - Stj;rn,framkvmdastj;rneWaeftirlitsstj;rnskal . berabyrgWaWkomakerfumsemtryggjaaW h/ innralkaniWvirkirttogstWugt. <0   117.gr. L$1  SkiptiyfirstaWalformluna  \ 42 AWfengnusamYykkisamrmiviW112.gr.skulu l D3 vtryggingaflg,Y.m.t.endurtryggingaflg,ekki  4 hverfaafturtilYessaWreiknagjaldYolskrfuna,aW  5 hlutaeWalluleyti,samrmiviWstaWalformluna p H6 einsoghnersettfram2.undirYtti,nematil  7 hlUWilegarkstuddumtilvikumogaWfengnusam  8 Yykkieftirlitsyfirvalda. tL 9   118.gr. \ :  EkkifariWaWkvWuminnralkansins  l ; i1. J Efvtryggingaflg,Y.m.t.endurtryggingaflg, | < eftiraWhafafengiWsamYykkieftirlitsyfirvaldatilaW P(= notainnralkan,uppfyllaekkilengurkrfurnarsem > settarerufram120.!125.gr.skuluYauntafar ? kynnaeftirlitsyfirvldumtlunumaWfaraaW T,@ kvWuminnanhfilegstmaeWasUnaframaW A hrifinafYvaWfaraekkiaWkvWumskiptilitlu B mli. X0C 2. J Efvtryggingaflg,Y.m.t.endurtryggingaflg, h@D framkvmaekkitluninasemumgetur1.mgr. E getaeftirlitsyfirvldkrafistYessaWvtrygginga F flg,Y.m.t.endurtryggingaflg,hverfiafturtil lDG YessaWreiknagjaldYolskrfunasamrmiviW H staWalformlunaeinsoghnersettfram2.undir I Ytti. pHJ   119.gr. XK  UmtalsverWfrvikfrforsendunumsemliggja hL staWalformlutreikningatilgrundvallar <M  *EfekkierviWeigandiaWreiknagjaldYolskrfuna L$N samrmiviWstaWalformlunaeinsogsetterfram O 2.undirYtti,vegnaYessaWhttusniWviWkomandi  |P vtrygginga-eWaendurtryggingaflagsvkurveiga P!(Q miklumatriWumfrforsendumYeimsemliggjat !R reikningumstaWalformlunnitilgrundvallar,geta "S eftirlitsyfirvld,meWrkstuddrikvrWun,krafist T#,T YessaWviWkomandiflagnotiinnralkantilaW $U reiknatgjaldYolskrfuna,eWaviWeigandihttu $ V einingarhennar. X%0!W   120.gr. h&@"X  Notkunarpr;f  x'P#Y Vtryggingaflg,Y.m.t.endurtryggingaflg,skulu(`$Z sUnaframaWinnralkaninusmikiWbeittogaW ( YaWgegnimikilvguhlutverkistj;rnkerfiYeirra  semumgetur41.!50.gr.,einkum: X a)0  httustj;rnunarkerfiYeirraeinsogmlterfyrir h um44.gr.ogferliYeirraviWkvarWanatku,< b)0  mats-ogthlutunarferlumYeirrasemltaaW L$ efnahagoggjaldYoli,Y.m.t.matiWsemumgetur  45.gr. | MeWYvaWbeitainnralkaninuskuluvtrygginga   flg,Y.m.t.endurtryggingaflg,aWaukisUnafram ` 8  aWtWnitreikningagjaldYolskrfunnissam    rmiviWtWniannarrarbeitingarinnralkaninu    semfellurundir1.mgr. d <  Stj;rn,framkvmdastj;rneWaeftirlitsstj;rnskulu tL  berabyrgWaWtryggjaaWhnnunogvirkniinnra    lkansinseigivalltviW,ogaWinnralkaniWhaldi   framaWendurspegla,meWviWeigandihtti,httu xP  sniWviWkomandivtryggingaflaga,Y.m.t.endur $  tryggingaflaga.     121.gr.   GWastaWlarhagskUrslna   "1.  InnralkaniW,einkumtreikningurlkindadreif  ingubyggWrispsemliggurYvtilgrundvallar,  skalverasamrmiviWviWmiWanirnarsemsettareru X0 fram2.!9.gr.  2.  AWferWirnarsemnotaWarerutilaWreiknalkinda  dreifingusembyggistspskulubyggWarfull  ngjandi,gildandiogviWeiganditryggingafrWileg lD umogtlfrWilegumaWferWumogskuluverasam  rmiviWYraWferWirsembeitterviWtreikning  vtryggingaskuldum. pH AWferWirnarsembeitterviWtreikninglkinda X dreifingubyggWrispskulubyggWargildandi, ,  trverWugumupplUsingumograunhfumforsend ! um. \" Vtryggingaflg,Y.m.t.endurtryggingaflg,skulu l# getafrtrkfyrirforsendunumsembaaWbaki @ $ innrilknumYeirra,gagnvarteftirlitsyfirvldum.  % 3.  Ggninsembeittergagnvartinnralkaninuskulu !& verankvm,fullgerWogviWeigandi. "' Vtryggingaflg,Y.m.t.endurtryggingaflg,skulu #( uppfragagnasfninsembeitterviWtreikning d$< ) lkindadreifingubyggWrispa.m.k.rlega. % * 4.  EkkiskalmltfyrirumneinasrstakaaWferWviW  &!+ treikninglkindadreifingubyggWrisp. &", :hWreikningsaWferWinnisembeitterskalgetainnra '#- lkansinstilaWforgangsraWahttumverangjan (`$. legtilaWtryggjaaWYvsalmenntbeittogaWYaW (. gegnimikilvguhlutverkistj;rnkerfivtrygginga / flaga,Y.m.t.endurtryggingaflaga,einkumhvaW X0 varWarhttustj;rnunarkerfiYeirraogferliviW ,1 kvarWanatku,aukrWstfunareiginfjrsamrmi 2 viW120.gr. \3 InnralkaniWskaltakatilhverskonarefnislegra l4 httnasemvtryggingaflgin,Y.m.t.endurtrygg @ 5 ingaflgin,verWafyrir.InnrilknskuluhiW  6 minnstatakatilYeirrahttnasemsettarerufram  p7 4.mgr.101.gr. D 8 5. J HvaWvarWarhriffjlbreytileikagetavtrygg T ,9 ingaflg,Y.m.t.endurtryggingaflg,litiWtilinnri  : lkanasinnahvaWYaWvarWaraWverahWinnan  ; httuflokkaogYvertY,aWYvtilskilduaWeftir X0 < litsyfirvldsusannfrWumkerfinsemnotuWerutil  = aWmlahriffjlbreytileikanssufullngjandi.  > 6. J Vtryggingaflg,Y.m.t.endurtryggingaflg,  ? getaaWfullutekiWtilgreinahrifhttumildandiaW lD @ ferWainnrilknumsnum,aWYvtilskilduaWlns  A httaogaWrarhttursemhttumildandiaWferWir B valdaendurspeglistmeWtilhlUWilegumhttiinnra pHC lkaninu. D 7. J Vtryggingaflg,Y.m.t.endurtryggingaflg, ,E skulumetaafnkvmniYrtilteknutegundir F httusemtengjastfjrhagslegumtryggingumogll \G umsamningskostuminnralknumsnum,efYau 0H erumikilvg.Xauskulueinnigmetahttunasem I bWitengjastkostumvtryggingartakaogsamnings `J kostumvtryggingaflaga,Y.m.t.endurtrygginga 4 K flaga.0forsendunumskulu,meWbeinumeWa;bein L umhtti,tekintilgreinaYauhrifsemframtWar dM breytingarfjrhagslegumog;fjrhagslegumskil 8N yrWumkunnaaWhafaframkvmdYessarakosta. O 8. J 0innrilknumsnumgetavtryggingaflg, P Y.m.t.endurtryggingaflg,tekiWtillittilrekstrar xQ aWgerWaframtWinnisemreiknammeWaWYauhafi L$R vnstaWframkvmaviWtilteknaraWstWur. S 0YeimtilvikumsemsetteruframfyrstaundirliW  T skalviWkomandiflagtakatillittilYesstmasem  U nauWsynlegurertilaWframkvmaslkaraWgerWir. `!8V 9. J 0innrilknumsnumskuluvtryggingaflg, p"HW Y.m.t.endurtryggingaflg,hafahliWsj;nafllum #X greiWslumtiltryggingartakaogrtthafasemYau #Y reiknameWaWinnaafhendi,einnigYeimgreiWslum t$L Z semerutryggWarmeWsamningum.  % [   122.gr. 0&"\  KvrWunarstaWlar  @'#] 1. J Vtryggingaflg,Y.m.t.endurtryggingaflg,P(($^ getanotaWannaWtmabileWahttumatenYaWsem ( setterfram3.mgr.101.gr.viWgerWinnrilkana  sinna,svoframarlegasemYessiflggetanotaW X niWurstWurinnralkansinstilaWreiknatgjaldYols , krfunaYannhttaWtryggingartkumogrtthf  umssWfyrirumfangiverndunarsemjafngildiYv \ semsetterfram101.gr. 0 2.  XarsemYvverWurkomiWviWskuluvtrygginga @  flg,Y.m.t.endurtryggingaflg,leiWagjaldYols   krfunabeintaflkindadreifingubyggWrispsem  p  stafaafinnrilknumYessaraflaga,ognotatilYess D   mlikvarWavgildissemsetturerfram3.mgr.101.    gr.  t  3.  Efvtryggingaflg,Y.m.t.endurtryggingaflg,   getaekkileittgjaldYolskrfunabeintaflkindadreif X0  ingubyggWrispsemstafarafinnralkaninugeta   eftirlitsyfirvldleyftaWnlgunumsbeittviWt   reikninggjaldYolskrfunni,svoframarlegasemf \4  lgingetasUnteftirlitsyfirvldumframaWtrygg   ingartkumssWfyrirverndsemjafngildiYeirri   semkveWiWerum101.gr. `8 4.  EftirlitsyfirvldgetakrafistYessaWvtrygginga pH flg,Y.m.t.endurtryggingaflg,starfrkiinnri  lknviWeigandivtryggingasfnumtilviWmiWunar  ognotiforsendursembyggWareruytrifrekaren tL innriggnumtilaWsannreynakvrWuninnralkans   insoggangarskuggaumaWforskriftinssam  rmiviWalmenntviWurkenndarmarkaWsvenjur. xP   123.gr. `  SkiptinghagnaWarogtaps  p Vtryggingaflg,Y.m.t.endurtryggingaflg,skulu  endurskoWa,aWminnstakostirlega,orsakirogupp T, tkhagnaWarogtapsfyrirstrrirekstrareiningar.   XauskulusUnaframhvernighttuflokkuninnra ! lkaninusUnirframorsakirogupptkhagnaWarog " taps.httuflokkunogskiptinghagnaWarogtaps h@# skalendurspeglahttusniWvtryggingaflaga, $ Y.m.t.endurtryggingaflaga. %   124.gr.  &  FullgildingarstaWlar  !'  Vtryggingaflg,Y.m.t.endurtryggingaflg,skulu "( fullgildalkaniWreglulega,enslkfullgildingtekur #t) tilYessaWvaktahverniginnralkaniWvirkar,fylgjast H$ * meWYvaWforskriftinsviWhfiogberaniWurstW $ + urnarsamanviWreynsluna. %x!, Fullgildingarferlilkansinsskaltakatilskilvirkstl &"- frWiferlistilfullgildingarinnralkaninu,enYaW \'4#. gerirvtryggingaflgum,Y.m.t.endurtrygginga (#/ flgum,kleiftaWsUnaeftirlitsyfirvldumframaW ($0 eiginfjrkrfurnarsemafYessustafasuviWeigandi. (0 TlfrWiaWferWirnarsembeitterskulupr;fahversu 81 viWeigandilkindadreifinginsembyggWersper, 2 ekkiaWeinsboriWsamanviWreynsluaftapiheldur h3 einnigllefnislegnUggnogupplUsingarsem <4 tengjastYeim. 5 Fullgildingarferlilkansinsskaltakatilgreiningar 6 stWugleikainnralkansins,einkumpr;funarYv  |7 hvenmarniWurstWurinnralkansinserubreyt P (8 ingarYeimforsendumsemaWbakiba.XaWskal  9 lkatakatilmatsYvhvenkvm,heildstWog  : viWeigandiggnineruseminnralkaniWstyWstviW. T ,;   125.gr. d < <  Skrningarkerfi  tL = bVtryggingaflg,Y.m.t.endurtryggingaflg,skulu \ > skrhnnunogrekstraratriWiinnralkansins. 0 ? SkrninginskalsUnaaWlkaniWssamrmiviW @ @ 120.!124.gr.  A 0skrningunniskalverankvmtyfirlityfirkenn B ingar,forsendurogYannstrWfrWilegaogempr C skagrunnsembUraWbakiinnralkaninu. T,D 0skrningunniskulugefintilkynnalltilvikYegar d<E innralkanvirkarekkimeWskilvirkumhtti. F Vtryggingaflg,Y.m.t.endurtryggingaflg,skulu  G skrhelstubreytingarseminnrilknYeirrataka, H einsogsetterfram115.gr. xPI   126.gr. `J  Ytrilknogggn  pK EkkiskallitiWnotkunlkanseWagagnasemfengin L erufrYriWjaaWilasemrttltinguundanYgufr T,M neinumkrafnannatilinnralkansinssemsettareru N fram120.!125.gr. O   127.gr. P  FramkvmdarrWstafanir  Q Framkvmdastj;rninskalsamYykkjaframkvmdar  R rWstafaniraWYvervarWar120.!126.gr.tilaW !`S tryggjasamhfWanlgunviWnotkuninnralkana 4" T gervlluBandalaginu,ogtilaWstuWlaaWbetramati "U httusniWiogstj;rnunvtryggingaflaga,Y.m.t. #dV endurtryggingaflaga. 8$ W XessarrWstafanir,semertlaWaWbreytaveigalitl H% !X umYttumYessarartilskipunarmeWYvaWaukaviW %!Y hana,skulusamYykktarsamrmiviWstj;rnsUslu &x"Z mlsmeWferWinameWathugunsemumgetur3.mgr. L'$#[ 301.gr.'#\   5.Yttur (  LgmarkskrfurumeigiWf  8 128.gr. H   AlmennkvWi  X0 <AWildarrkiskulukrefjastYessaWvtryggingaflg, h@ Y.m.t.endurtryggingaflg,eigitkteigiWftilaW   nyfirlgmarkskrfurumeigiWf.     129.gr.    BtreikningurlgmarkskrfumumeigiWf    1.  LgmarkskrafanumeigiWfskalreiknuWt    samrmiviWeftirfarandimeginreglur:  t  a)0  hnskalreiknuWskUranogeinfaldanhtt,og   YannigaWtryggtsaWhgtsaWendurskoWat X0  reikningana,  b)0  hnskalsamsvaralgmarksupphWtkseigin   fjrtilaWtryggingartakarogrtthafarYurfiekki   aWsta;viWunandihttuefvtryggingaflg, lD Y.m.t.endurtryggingaflg,fleyfifyrirfram  haldandistarfsemi, c)0  lnulegtfallsemumgetur2.liWognotaWerviW  treikninglgmarkskrfunniumeigiWfskal X kvarWaWaWvgildilgmarksfjrhWareiginfjr , vtrygginga-eWaendurtryggingaflags,meW  fyrirvaraum85%ryggisstigrsgrundvelli,\ d)0  algjrtlgmarkhennarskalvera:l   i.0  hvaWvarWarskaWatryggingaflg2200000 | evrur,nemaYeimtilvikumerallareWasum P( arhtturnareruinnifaldareinhverjum  flokka10!15semskrWireruAhluta1.viW  auka,ogskalYekkiveralgrien3200000 T, evrur,   ii.0  hvaWvarWarlftryggingaflg,Y.m.t.bundin  frumtryggingaflg,3200000evrur,    iii.0  hvaWvarWarendurtryggingaflg3200000 ! evrur,nemaumbundinendurtryggingaflg x P" saWrWaogskallgmarkskrafanumeigiW $!# fYekkiveraundir1000000evrum,!$   iv.0  summanafYeimfjrhWumsemsettareru "% frami-ogiiliWfyrirvtryggingaflgsem #d& umgetur5.mgr.73.gr.8$ ' 2.  MeWfyrirvaraum3.liWskallgmarkskrafanum H% !( eigiWfreiknuWsemlnulegtfallafmengieWahlut %!)  mengieftirtalinnabreyta:vtryggingaskuldirflags &x"* ins,b;kfrW&   iWgjld,httufjrhW,frestaWurskatt (* urogstj;rnunarkostnaWur.BreyturnarsemnotaWar + eruskulumetnaraWfrdregnumhlutaendurtryggj X, enda.'(q' ,- 3. J MeWfyrirvaraumdliW1.liWarskallgmarks <. krafanumeigiWfhvorkiveraundir25%nyfir / 45%afgjaldYolskrfuflagsins,reiknuWsamrmi l0 viW2.eWa3.undirgrein4.YttarVI.kafla,ogaW @ 1 meWtldumllumviWb;targjaldYolskrfumsem  2 komiWersamrmiviW37.gr.  p3 tmabilisemlUkureigisWaren31.okt;ber2014  4 skuluaWildarrkiveitaeftirlitsyfirvldumleyfitilaW T ,5 krefjastYessaWvtryggingaflageWaendurtrygg  6 ingaflagbeitihlutfllunumsemumgetur1.undir  7 liWeingngugjaldYolskrfuflagsins,samrmi X0 8 viW2.undirgrein4.YttarVI.kafla.  9 4. J Vtryggingaflg,Y.m.t.endurtryggingaflg,  : skulureiknalgmarkskrfuumeiginfaWminnsta  ; kostirsfj;rWungslegaoggefaeftirlitsyfirvldum lD < skUrsluumniWurstWurnar.  = Efnnurhvormrkinsemumgetur3.mgr. (> kvarWalgmarkskrfuumeigiWfflagsskalflag ? iWveitaeftirlitsyfirvldumupplUsingarsemleiWa X@ stWurYessaskUrtlj;s. ,A 5. J Framkvmdastj;rninskalleggjaskUrslufyrir <B Evr;puYingiWogEvr;punefndumvtryggingarog C starfstengdalfeyrissj;WisemkomiWvarmeW lD kvrWunframkvmdastj;rnarinnar2004/9/EB($ #  1      ), @E fyrir31.okt;ber2017,umregluraWildarrkjannaog F starfsreglureftirlitsyfirvaldasamkvmt1.!4.mgr. pG 0skUrslunniskaleinkumfjallaWumnotkunogstig H hmarksoglgmarkssemsetterfram3.mgr.,sem T,I ogvandamlsemeftirlitsyfirvldogflgkunnaaW J YurfaaWfstviWYegarYessarigreinerbeitt. K   130.gr. L  FramkvmdarrWstafanir  M 1Framkvmdastj;rninskalsamYykkjaframkvmdar N rWstafanirYarsemtilgreinterhvernigtreikningi  `O lgmarkskrfuumeigiWfskalhttaW,einsogum 4! P getur128.og129.gr. !Q XessarrWstafanir,semertlaWaWbreytaveigalitl "R umYttumYessarartilskipunarmeWYvaWaukaviW #tS hana,skulusamYykktarsamrmiviWstj;rnsUslu H$ T mlsmeWferWinameWathugunsemumgetur3.mgr. $ U 301.gr.%x!V   &  131.gr. (  BrWabirgWafyrirkomulaghvaWYaWvarWaraW 8 fariWsaWkvWumumlgmarkskrfu  umeigiWf'(4  h 4XrttfyrirkvWi139.og144.gr.skuluvtrygg x ingaflg,Y.m.t.endurtryggingaflg,faraaW L$ kvWumumtilskiliWgjaldYolsemumgetur28.gr.  tilskipunar20027783/EB,16.gr.atilskipun73/  | 239/EBE,eWa37.gr.,38.gr.eWa39.gr.tilskipunar P ( 2005/68/EBYann31.okt;ber2012,enhafaekkiyfir    aWrWalgmarksupphWtkseiginfjrtilaWstanda    straumaflgmarkskrfuumeigiWfskalviWkom T ,  andiflagfaraaWkvWum128.gr.eigisWaren31.    okt;ber2013.   EfviWkomandiflagferekkiaW128.gr.innanYess   tmasemsetturerfram1.liWskalstarfsleyfiflags h@  insafturkallaW.meWfyrirvaraumviWeigandimls   meWferWsemkveWiWerumlandslggjf.     6.Yttur    Fjrfestingar   132.gr.   Varfrnismeginregla   !:1.  AWildarrkinskulusjtilYessaWvtrygginga  flg,Y.m.t.endurtryggingaflg,fjrfestiallareign  irsnarsamrmiviWvarfrnismeginregluna,eins h@ ogtilgreinter2.,3.og4.mgr.  2.  AWYvervarWareignasafniWheild,skuluv $ tryggingaflg,Y.m.t.endurtryggingaflg,einungis  fjrfestaeignumoggerningumsemhlutaWeigandi |T flaggeturmeWviWeigandihttiskilgreint,metiW, ( hafteftirlitmeW,stUrt,stj;rnaWoggefiWskUrsluum,  ogtekiWmeWviWeigandihttitillittilviWmat X heildargjaldYolsYrfsamrmiviWaliWannarrar ,  undirgreinar1.mgr.45.gr. ! Allareignir,einkumYrsemnUttarerutilaWupp " fyllalgmarkskrfurumeigiWfoggjaldYolskrfu, l# skulufjrfestarmeWYeimhttiaWryggi,gWi, @ $ seljanleikiogarWsemieignasafnsinsheildsinnis  % tryggt.AukYessskulueignirnarstaWsettarYannigaW !p& tryggtsaWYrsuaWgengilegar. D"' ViWfjrfestingareignumtiljfnunarm;tiv T#,( tryggingaskuldskalhafahliWsj;nafeWliogtma $) lengdvtrygginga-ogendurtryggingaskuldbindinga. $ * XessareignirskulufjrfestarmeWhagsmuniallra X%0!+ tryggingartakaogrtthafahugameWtillititilallra &!, framlagWravtryggingamla. &"- EfumeraWrWahagsmunareksturskuluvtrygg '#. ingaflgineWaeininginsemstUrirsafniYeirrasjtil l(D$/ YessaWfjrfestinginseingnguYgutryggingar (/ takaogrtthafa. 0 3. J nYessaWhafahrif2.mgr.,skulunnur, 1 YriWjaogfj;rWaundirgreinYessararmlsgreinar h2 gildaaWYvervarWareignirtengslumviWlftrygg <3 ingarsamningaeftryggingartakarberafjrfestingar 4 httuna. l5 XegarbtursamkvmtsamningierumeWbeinum  |6 httitengdarverWgildieiningaverWbrfasj;Wieins P (7 ogskilgreinttilskipun85/611/EBSeWaverWgildi  8 eignasj;Wum,semeruvrsluvtryggingaflag  9 annaogeryfirleittskipteiningar,skalvtrygginga T ,: skuldvegnab;tannamtt,einsoghgter,meW  ; YessumeiningumeWa,Yegarslkareiningareruekki  < fyrirhendi,meWYessumeignum. X0 = EfbtursamkvmtsamningierumeWbeinumhtti h@ > tengdarhlutabrfavsitlueWaeinhverjuWruviW  ? miWunargildienYvsemumgeturannarriundir  @ greinskalvtryggingaskuldvegnab;tannamtt, lD A einsoghgter,annaWhvortmeWeiningumsemtald  B arerusUnaviWmiWunargildiWeWa,efYessareiningar C eruekkifyrirhendi,meWhfilegaruggumogslu pHD hfumeignumsemsamsvaraeinsoghgterYeim E eignumsemhiWtilteknaviWmiWunargildibyggist. F EfbturnarsemumgeturannarriogYriWjuundir G greinfelasrbyrgWfjrfestingarrangrieWaann \H arskonarbyrgWanvinning,skulueignirnar,sem 0I nUttarerutilaWuppfyllakvWiumsamsvarandi J viWb;tarvtryggingaskuld,fallaundir4.mgr. `K 4. J kvWiannarrartilfimmtuundirgreinarYessarar pL mlsgreinarskulu,nYessaWhafahrif2.mgr., DM gildaumeignir,aWrarenYrsemfallaundir3.mgr. N NotkunafleiWugerningaskalveramgulegaWYv O markisemYeirgetadregiWrhttueWastuWlaaW P hagkvmristUringuvtryggingastofns. X0Q Fjrfestingarogeignir,semekkieruskrWarskipu h@R legumfjrmlamarkaWi,verWavalltaWverainnan S varfrnismarka. T EignirskuluverangilegafjlbreytilegarYannigaW  U komastmegihjYvaWtreysts;YarflegamikiW |!TV tilteknaeign,tgefandaeWafyrirtkjasamstWueWa ("W landsvWioguppsfnunhttueignasafninu "X heild. #XY Fjrfestingareignumsemgefnarerurafsamat $h Z gefandaeWatgefendum,semtilheyrasmusam <%![ stWu,skuluekkileiWatilYessaWhttasafnistfyrir %!\  ofmiklummlihjvtryggingaflaginu.&l"]   &   133.gr. (  Frelsitilfjrfestinga  8 PP1.  AWildarrkingetaekkigertkrfuumaW'(_Pvtrygg H  ingaflg,Y.m.t.endurtryggingaflg,fjrfestitil  teknumeignaflokkum. x 2.  AWildarrkinskuluekkiskilyrWafjrfestingar  kvarWanirvtrygginga-eWaendurtryggingaflags \ 4 eWaforstWumannsfjrfestingaYessyfirrWasvWi   YeirraviWneinskonarfyrirframsamYykkieWakerfis   bundnatilkynningarskyldu. ` 8  3.  XessigreinhefurekkihrifkrfuraWildarrkja p H  umtakmarkanirtegundumeignaeWaviWmiWunar    gildasemtryggingabturgetaveriWtengdar.Xess   httarreglumskalaWeinsbeitteftryggingartaki,sem tL  ereinstaklingur,berfjrfestingarhttuogskulu    ekkiverameiratakmarkandienYrsemsettareru   framtilskipun85/611/EBE. xP    134.gr. `   StaWsetningeignaogbannviWveWsetningueigna  p FU1.  AWYvervarWarvtryggingarhttuinnan  Bandalagsins,skuluaWildarrkiekkikrefjastYessaW T, eignirsemtlaWarerutilaWbtavtryggingaskuld  tengslumviWYhttusustaWsettarBandalaginu  eWatilteknuaWildarrki. X0 AukYessskuluaWildarrki,aWYvervarWarkrfur h@ vegnaendurtryggingarsamningaviWflg,semhafa  leyfisamrmiviWYessatilskipuneWahafaaWal  skrifstofuYriWjalandisemhefureftirlitsfyrirkomu lD lagsemtaliWerjafngiltsamrmiviW172.gr.,ekki  krefjastYessaWeignirsemerutlaWarvegnaYeirra  krafnasustaWsettarinnanBandalagsins pH 2.  AWildarrkiskuluekkiviWhaldaeWatakaupp, X vegnamyndunarvtryggingaskuldar,kerfimeW ,  brtt;varasj;WumsembindaeignirtilaWmtavnt ! umiWgjldumogtistandanditj;naskuldefendur \" tryggjandinnervtrygginga-eWaendurtrygginga 0# flagmeWstarfsleyfisamrmiviWYessatilskipun. $   135.gr.  %  FramkvmdarrWstafanir  !& b[1.  TilaWtryggjasamrmdabeitinguYessarartil  #' skipunar,geturframkvmdastj;rninsamYykktfram #( kvmdarrWstafanirsemtilgreinamegindlegarkrf d$< ) ureftirfarandisviWum: % * a)0  greiningu,mlingu,vktun,stUringuogskUrslu  &!+ gjfvegnahttusemleiWiraffjrfestingum &",  tengslumviWfyrstuundirgrein2.mgr.132.gr.,x'P#- b)0 J greiningu,& X  mlingu,vktun,stUringuogskUrslu (- gjfvegnasrstakrar'X( ^httusemleiWiraffjr . festingumafleiWugerningumogeignumsemum X/ geturannarriundirgrein4.mgr.132.gr.,0JJ 2. J TilaWtryggjastWugleikaYvertatvinnugreinar <1 ogtilaWkomavegfyrirmisrmimillihagsmuna 2 fyrirtkjasem?endurpakka tlnseljanlegverW l3 brfogannarrafjrmlagerninga(tgefanda)og @ 4 hagsmunavtrygginga-eWaendurtryggingaflaga  5 semfjrfestaYesshttarverWbrfumeWagerning  p6 um,skalframkvmdastj;rninsamYykkjafram D 7 kvmdarrWstafanirsemsetjafram:  8 a)0 J krfurnarsemtgefandiYarfaWuppfyllatilYess  9 aWvtrygginga-eWaendurtryggingaflags  : heimiltaWfjrfestaYesshttarverWbrfumeWa X0 ; gerningumeftir1.janar2011,Y.m.t.krfursem  < tryggjaaWtgefandiviWhaldihlutaaffjrhags  = legrihttusemnemurekkiminnaen5%,\4 >JJ b)0 J eigindlegarkrfursemvtrygginga-eWaendur lD ? tryggingaflg,semfjrfestaYesshttarverW  @ brfumeWagerningum,skuluuppfylla.AJJ 3. J XessarrWstafanir,semertlaWaWbreytaveiga B litlumYttumYessarartilskipunarmeWYvaWauka XC viWhana,skulusamYykktarsamrmiviWstj;rn ,D sUslumlsmeWferWinameWathugunsemumgetur3. E mgr.301.gr. \F   VII.KAFLI lG  Vtryggingaflg,Y.m.t.endurtryggingaflg, |H semeigaerfiWleikumeWabaviW P(I ;venjulegaraWstWur  J 136.gr.  K  Greiningogtilkynningvtrygginga-og L endurtryggingaflagsumversnandi M fjrhagslegskilyrWi  tLN eVtryggingaflg,Y.m.t.endurtryggingaflg,skulu \O hafaverklagsreglurtilaWgreinaversnandifjrhags 0P legskilyrWiogskulutafarlausttilkynnaeftirlitsyfir Q vldumumversnandiskilyrWi.  `R   137.gr. !pS  EfekkierfariWaWkvWumum "T vtryggingaskuld  T#,U hFarivtrygginga-eWaendurtryggingaflagekkiaW d$< V kvWumannarsYttarVI.kaflagetaeftirlitsyfir % W vldheimaaWildarrkiYessbannaWfrjlsarWstfun %!X eignaYesseftiraWhafaWurtilkynnteftirlitsyfir h&@"Y vldumgistiaWildarrkisinsumfyrirtlunsna.Eftir '"Z litsyfirvldheimaaWildarrkisskulutilnefnaeignir '#[ semskulufallaundirYesshttarrWstafanir.l(D$\   138.gr. (  EfekkierfariWaWkvWumhvaWvarWar 8 gjaldYolskrfu   k1.  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EfumeraWrWa;venjulegthrunfjrmla  mrkuWum,getureftirlitsyfirvaldframlengttmabiliW x semsetterframannarriundirgrein3.mgr.umviW L$ eiganditmabilaWteknutillititilallraviWeigandi  Ytta. | HlutaWeigandivtrygginga-eWaendurtryggingaflag  skal,YriggjamnaWafresti,leggjaframframvindu `8 skUrslutileftirlitsyfirvaldasinnaYarsemsettareru   framrWstafanirsemgerWareruogframvindaviWaW  nafturnauWsynlegustigieiginfjr,semYarftilaW d<  uppfyllakrfurumgjaldYol,eWatilaWlkkahttu ! sniWtilaWtryggjaaWfariWsaWkvWumumgjald " Yolskrfu. h@# Framlenginginsemumgeturfyrstuundirgreinskal xP$ afturklluWefframvinduskUrslasUnirframaWeng $ % inmarktkframvindahafittsrstaWtilaWnaftur  & nauWsynlegustigieiginfjr,semYarftilaWuppfylla |!T' krfurumgjaldYol,eWalkkunhttusniWstilaW ("( tryggjaaWfariWsaWkvWumumgjaldYolskrfur, ") frYeimdegisemkomlj;saWekkivarfariWaW #X* kvWumumgjaldYolskrfurogYeimdegisem ,$ + framvinduskUrslanerlgWfram. $ , 5.  0undantekningartilvikumgetureftirlitsyfirvald, %!- teljiYaWaWfjrhagsstaWahlutaWeigandiflagseigi &l". eftiraWversnaennfrekar,takmarkaWeWabannaW @'#/ frjlsarWstfuneignaYessflags.ViWkomandieftir '#0 litsyfirvaldskalupplUsaeftirlitsyfirvldgistiaWildar (p$1 rkisumgerWarrWstafanir.Xauyfirvldskulu,sam (1 kvmtbeiWnieftirlitsyfirvaldsheimaaWildarrkis, 2 gerasmurWstafanir.EftirlitsyfirvaldheimaaWildar X3 rkisskulutilnefnaeignirsemskulufallaundirYess ,4 httarrWstafanir. 5   139.gr. 6  EfekkierfariWaWkvWumhvaWvarWar 7 lgmarkskrfurumeigiWf   |8 |1. J Vtryggingaflg,Y.m.t.endurtryggingaflg,  9 skulutafarlaustupplUsaeftirlitsyfirvldefYautelja ` 8: aWlgmarkskrfurumeigiWfsuekkilengurupp  ; fylltar,eWaefhttaeraWekkiverWifariWaW  < kvWunumnstuYremurmnuWum. d < = 2. J InnaneinsmnaWarfrYvaWkemurlj;saW tL > kvWiumlgmarkskrfurumeigiWferuekkiupp   ? fyllt,skalhlutaWeigandivtrygginga-eWaendur  @ tryggingaflagleggjaframraunhfaskammtma xP A fjrhagstlun,tileftirlitsyfirvaldstilsamYykktar, $ B umaWnafturnauWsynleguviWurkenndueiginf,aW  C lgmarkisemnemurlgmarkskrfumumeigiWf, |TD eWalkkunhttusniWstilaWtryggjaaWfariWsaW (E kvWumumlgmarkskrfurumeigiWf. F 3. J EftirlitsyfirvaldheimaaWildarrkisgetureinnig G takmarkaWeWabannaWfrjlsarWstfuneignav hH trygginga-eWaendurtryggingaflags.XaWskalupp <I lUsaeftirlitsyfirvldgistiaWildarrkistilsamrmis J viWYaW.Xauyfirvldskulu,samkvmtbeiWnieftir lK litsyfirvaldsheimaaWildarrkis,gerasmurWstaf @L anir.EftirlitsyfirvaldheimaaWildarrkisskulutilnefna M eignirsemskulufallaundirYesshttarrWstafanir. pN   140.gr. O  BannviWfrjlsrirWstfuneignasemeru P yfirrWasvWiaWildarrkis  d<Q AWildarrkiskulugeranauWsynlegarrWstafanirsvo tLR Yaugeti,samrmiviWlandslg,bannaWfrjlsarW  S stfuneignasemeruyfirrWasvWiYess,aWbeiWni T heimaaWildarrkisflagsins,Yeimtilvikumsemum xPU getur137.til139.og2.mgr.144.gr.,enheima $ V aWildarrkiWskaltilgreinaumhvaWaeignirYessar  W rWstafanirgilda. |!TX   141.gr. "dY  EftirlitsheimildirviWversnandi #tZ fjrhagslegskilyrWi  H$ [ qEfgjaldYolsstaWaflagsheldurframaWversna, X%0!\ skulueftirlitsyfirvld,Yrttfyrir138.og139.gr., &!] hafaheimildtilaWgeranauWsynlegarverndar &"^ rWstafanirtilaWgtahagsmunatryggingartakaef \'4#_ umeraWrWavtryggingarsamninga,eWaskuldbind (#` ingasemleiWaafendurtryggingarsamninga.($a XessarrWstafanirskuluverarttuhlutfalliviWog ( endurspeglastigogtmalengdversnandigjaldYols  stWuhlutaWeigandivtrygginga-eWaendurtrygg X ingaflags. ,   142.gr. <  Endurreisnartlunogfjrhagstlun  L$ 1.  Endurreisnartluninsemumgetur2.mgr. \ 4 138.gr.ogfjrhagstlunsemumgetur2.mgr.   139.gr.skalaWlgmarkitilgreinaeftirfarandiatriWi   eWastaWfestinguYeim: ` 8  a)0  tlaWanrekstrarkostnaW,einkumalmennan p H  kostnaWvegnadaglegsrekstursogumboWslauna,   b)0  spumtekjurogkostnaWvegnafrumtrygginga ,  starfsemi,m;ttkuendurtryggingaogvegna   endurtryggingaverndar,\  c)0  tlaWanefnahagsreikning,l  d)0  matfjrmagnisemtlaWeraWstandastraumaf |  vtryggingaskuldum,gjaldYolskrfumoglg P( markskrfumumeigiWf, e)0  heildarstefnuvarWandiendurtryggingar.  2.  EfeftirlitsyfirvldhafakrafistYessaWgerWs  endurreisnartlunsemumgetur2.mgr.138.gr.  eWafjrhagstlunsemumgeturi2.mgr.139.gr. tL samrmiviW1.mgr.Yessarargreinar,skuluYaulta   veraaWgefatskrteinisamrmiviW39.gr.svo  lengisemYauteljaaWrttinditryggingartaka,eWa xP samningsskuldbindingarendurtryggingaflags,s $ ;gnaW.    143.gr.   FramkvmdarrWstafanir   ÐFramkvmdastj;rninskalsamYykkjaframkvmdar  rWstafanirsemtilgreinaYYttisemskuluteknirtil  greinaviWbeitingu4.mgr.138.gr.,Y.m.t.lengsta X0  viWeiganditmabil,tilgreintheildarfjldamnaWa, ! semskalveraYaWsamaaWYvervarWarllvtrygg " ingaflg,Y.m.t.endurtryggingaflg,einsogum \ 4# geturfyrstuundirgrein4.mgr.138.gr. !$ EfnauWsynlegteraWbtasamleitni,geturfram "% kvmdastj;rninsamYykktframkvmdarrWstafanir "& YarsemmlterfyrirumfrekariforskriftirmeWtilliti p#H' tilendurreisnartlunarinnarsemumgetur2.mgr. $( 138.gr.,fjrhagstlunarsemumgetur2.mgr. $ ) 139.gr.ogmeWtillititil141.gr.ogYessvandlega t%L!*  gttaWforWastsveifluaukandihrif.  &!+ & l  XessarrWstafanir,semertlaWaWbreytaveigalitl (+ umYttumYessarartilskipunarmeWYvaWaukaviW , hana,skulusamYykktarsamrmiviWstj;rnsUslu X- mlsmeWferWinameWathugunsemumgetur3.mgr. ,. 301.gr. / 'l(i  144.gr. 0  Afturkllunstarfsleyfis  1 1. J EftirlitsyfirvaldheimaaWildarrkisgeturaftur  2 kallaWleyfisemveittervtrygginga-eWaendur  3 tryggingaflgumeftirfaranditilvikum: ` 84 a)0 J hlutaWeigandiflagnUtirekkistarfsleyfiWinnan p H5 t;lfmnaWa,afsalarsrYvafdrttarlausteWa  6 httirrekstristarfseminnarmeiraensexmn  7 uWi,nemahlutaWeigandiaWildarrkihafikveWiW tL 8 umaWstarfsleyfiWrennitslkumtilvikum,  9JJ b)0 J hlutaWeigandiflaguppfyllirekkilengurskilyrWi 0 : fyrirleyfi, ;JJ c)0 J hlutaWeigandiflagbregstalvarlegaskyldumsem  < hennihvlasamkvmtgildandireglugerWum.p=JJ EftirlitsyfirvaldheimaaWildarrkisskalafturkalla > leyfisemveittervtrygginga-eWaendurtrygginga T,? flagiYvtilvikisemflaguppfyllirekkilgmarks @ krfurumeigiWfogeftirlitsyfirvaldteluraWfjr A hagstlunsemlgWerframsauglj;slega;full X0B ngjandieWahlutaWeigandiflagtekstekkiaW C standaviWsamYykktatluninnanviWYremurmn D uWumeftiraWathugunleiddilj;saWekkierfariWaW \4E kvWumumlgmarkskrfurumeigiWf. F 2. J SstarfsleyfiafturkallaWeWaefYaWrennurt G tilkynnireftirlitsyfirvaldheimaaWildarrkinuYaWtil H eftirlitsyfirvaldahinumaWildarrkjunumsemskulu pHI geraviWeigandirWstafanirtilaWkomavegfyriraW J vtrygginga-eWaendurtryggingaflagiWhefjinU K starfsemiyfirrWasvWiYeirra. tLL EftirlitsyfirvaldheimaaWildarrkisskal,samtYeim \M yfirvldum,geranauWsynlegarrWstafanirtilaW 0N verndahagsmunihinnatryggWuaWilaogsrstaklega O hamlafrjlsarWstfuneignavtryggingaflags  `P samrmiviW140.gr. 4! Q 3. J ViWkvrWunumaWafturkallaleyfiskaltilgreina D"R allarstWurYessogskaltilkynnahanahlutaW "S  eigandivtrygginga-eWaendurtryggingaflagi.#tT   &    VIII.KAFLI (  StaWfesturtturogfrelsitilaWveitaYj;nustu  8 1.Yttur H   Stofnsetningvtryggingaflaga X0  145.gr. h@  SkilyrWifyrirstofnuntibs  x P +1.  AWildarrkiskulu' (:sjtilYessaWvtryggingaflag  ` sem;skareftiraWstofnatibyfirrWasvWiann 4  arsaWildarrkisskaltilkynniYaWeftirlitsyfirvldum   heimaaWildarrkisnu.  d  FaraskalmeWalltfastaWseturflagsaWildarrki  t  einsogumtibvriaWrWaendaY;ttYaWsekki H  formitibsheldurfelisteinungisskrifstofusem   rekinerafstarfsf;lkiflagsinssjlfseWa;hWum x  aWilasemhefur;tmabundnaheimildtilaWkoma L$  framfyrirhndflagsinsmeWsamahttiogumboW.   2.  AWildarrkiskulugerakrfuumaWvtrygginga   flagsem;skareftiraWstofnatibyfirrWasvWi  annarsaWildarrkisltieftirfarandifylgjatilkynning `8 unnisemumgetur1.mgr.:   a)0  upplUsingarumhvaWaaWildarrkiYaW;skar  eftiraWstofnatib, b)0  rekstrartlunYarsema.m.k.ertilgreinthvaWa  starfsemiYaWhyggststundaoguppbyggingti \ bsins,0 c)0  nafnaWilasemhefurumboWtilaWskuldbindav @ tryggingaflagiW,tengslumviWYriWjaaWila,eWa,  tilvikiLloyds,viWkomandivtryggjandaogtil p aWkomaframfyrirhndYesstengslumviWyfir D vldogd;mst;lagistiaWildarrkis(viWurkenndur  umboWsmaWur),t d)0  heimilisfanggistiaWildarrkiarsemhgteraW  nlgastogafhendaskjl,Y.m.t.allartilkynningar X0  tilviWurkenndsumboWsmanns.! HvaWLloydsvtryggjendurvarWarskulutryggWir,  " komitilmlaferlagistiaWildarrkivegnavtrygg  # ingaskuldbindinga,hlj;tasambrilegameWferWog l!D$ efmlhefWiveriWhfWaWgegnstarfsemiafhefW "% bundinnigerW. "& 3.  EfskaWatryggingaflagtlartibiaWbera #' byrgWhttusemflokkast10.flokkAhlutaI. $X ( viWauka,fyrirutanbyrgWvegnaflutninga,skalYaW ,%!) leggjaframyfirlUsinguumaWYaWsaWiliaWlands %!* skrifstofuoglandsbundnumbyrgWarsj;Wigisti &\"+  aWildarrkis. 0'#, 4. J & X  EfbreytingarverWaeinstkumatriWum,semtil (, kynnteruskv.'X(Vb-,c-eWadliW2.mgr.,skalvtrygg - ingaflagtilkynnaeftirlitsyfirvldumheimaaWildar X. rkisinsogaWildarrkitibsinsskriflegaumviW ,/ komandibreytingua.m.k.mnuWiWurenbreytingin 0 ergerWtilaWgeralgbrumyfirvldumheima \1 aWildarrkisinsfrtaWtakakvrWunskv.3.mgr.og 02 eftirlitsyfirvldumaWildarrkistibsinsaWtaka 3 kvrWunumbreytingunaskv.3.og146.mgr.  `4   146.gr.  p5  UpplUsingarveittar   6 71. J EftirlitsyfirvldheimaaWildarrkinuskulu,aW  7 teknutillititilfyrirhugaWsrekstrar,oginnanYriggja d < 8 mnaWafrm;ttkuupplUsingannasemumgetur  9 2.mgr145.gr.,sendaYreftirlitsyfirvldumaW  : ildarrkisinsogltahlutaWeigandivtryggingaflag h@ ; vitanemaYauhafistWutilaWefastumfullngj  < andistj;rnskipulageWafjrhagsstWuvtrygginga  = flagsins,krfurumhfniogheiWvirWiviWurkennds lD > umboWsmannssamrmiviW42.gr.  ? EftirlitsyfirvldheimaaWildarrkisinsskulueinnig (@ vottaaWvtryggingaflagiWuppfylligjaldYolskrfur A oglgmarkskrfurumeigiWfsemerreiknaWtskv. XB 100.og129.gr. ,C 2. J NeitieftirlitsyfirvldheimaaWildarrkisinsaW <D veitaeftirlitsyfirvldumaWildarrkinuupplUsing E arnarsemumgetur2.mgr.145.gr.berYeimaW lF greinahlutaWeigandivtryggingaflagifrstWum @G fyrirsynjuninniinnanYriggjamnaWafrYvaWallar H upplUsingarbrust. pI HeimilteraWfrUjatild;mst;laheimaaWildarrkinu J efumeraWrWasynjuneWaefekkertsvarberst. T,K 3. J Wurentibvtryggingaflagshefurstarfsemi d<L skulueftirlitsyfirvldaWildarrkitibsins,eigisW M arentveimurmnuWumeftiraWupplUsingarnarsem N umrWir1.mgr.hafaborist,tilkynnaeftirlitsyfir h@O valdiheimaaWildarrkinuumhvaWaskilyrWumstarf P seminskulihltagistiaWildarrkitibsinssvoal Q mennrahagsmunasgtt.Eftirlitsyfirvaldheima l DR aWildarrkisskalupplUsahlutaWeigandivtrygginga !S flagumYetta. !T VtryggingaflagiWgeturkomiWf;ttibioghafiW "U starfsemifrogmeWYeimdegisemeftirlitsyfirvald #XV heimaaWildarrkishefurm;ttekiWYesshttarupplUs ,$ W ingareWa,efengarupplUsingarhafaveriWm;tteknar, $ X YegartmabiliWsemkveWiWerumfyrstuundir %\!Y  greinlUkur.0&"Z   &    2.Yttur (  FrelsivtryggingaflagatilaWveitaYj;nustu 8  1.undirYttur H   AlmennkvWi X0  147.gr. h@  FyrirframtilkynningtilheimaaWildarrkis  x P rVtryggingaflag,sem' (~hyggstrekastarfsemifyrsta  ` sinneinueWafleiriaWildarrkjumsamkvmtfrelsi 4  tilaWveitaYj;nustu,skalfyrsttilkynnaYaWeftirlits   yfirvldumheimaaWildarrkinuogtilgreinahvers  d  konarhttureWaskuldbindinguYaWhyggstgangast 8   undir.     148.gr.    TilkynningheimaaWildarrkis    1.  EftirlitsyfirvldheimaaWildarrkinuskulu,innan   einsmnaWarfrtilkynningunnisemkveWiWerum   147.gr.,sendaaWildarrkinueWarkjunumYarsem lD vtryggingaflagiWhyggstrekastarfsemisamkvmt  frelsitilaWveitaYj;nustueftirfarandi:  a)0  vottorWumaWvtryggingaflagiWhafiYaWlg  marksgjaldYologuppfyllilgmarkskrfurum X eigiWfsemreiknaWertskv.100.og129.gr.,, b)0  upplUsingarumhvaWagreinaflokkumvtrygg < ingavtryggingaflagiWhefurstarfsleyfi, c)0  eWlihttnaeWaskuldbindingasemvtrygginga  flagiWtlaraWbyrgjastgistiaWildarrki.| samatmaskulueftirlitsyfirvldheimaaWildarrkis  upplUsahlutaWeigandivtryggingaflagumYaW. `8 2.  EfskaWatryggingaflagfyrirtlaraWveitaYj;n pH ustugrundvellifrelsistilaWveitaYj;nustuog  tengslumviWYaWaWberabyrgWhttusemflokk  ast10.flokkAhlutaI.viWauka,fyrirutanbyrgW tL vegnaflutninga,yfirrWasvWiaWildarrkis,getur    aWildarrkiWkrafistYessaWvtryggingaflagleggi ! frameftirfarandi: x P" a)0  nafnogheimilisfangfulltrasemumgeturhliW !`# 1.mgr.18.gr.,4" $ b)0  yfirlUsinguumaWflagiWsaWiliaWlandsskrif D#% stofuoginnlendumbyrgWarsj;WigistiaWildarrk #& is.$t ' 3.  SendieftirlitsyfirvldheimaaWildarrkisinsupp %!( lUsingarnarsemumgetur1.mgr.ekkiinnantilskil X&0") insfrestsberYeimaWgreinavtryggingaflaginufr '"*  stWumfyrirsynjuninniinnansamafrests. '#+ Heimilt& X  eraWfrUjatild;mst;laheimaaWildarrkinu (+ efumeraWrWasynjuneWaefekkertsvarberst.'X(R , 4. J VtryggingaflaginuerheimiltaWhefjastarfsemi - frogmeWYeimdegisemstaWfesteraWYaWhafi h. veriWltiWvitaumtilkynningunnisemumgetur </ fyrstuundirgrein1.mgr. 0   149.gr. 1  BreytingareWlihttnannaeWa  2 skuldbindinganna   3 IMlsmeWferWin145.og148.gr.gildirumallar  4 breytingarsemvtryggingaflagiWhyggistgera p H5 upplUsingunumsemumgetur147.gr.  6   2.undirYttur , 7  B;tabyrgWYriWjaaWilavlknnum < 8 kutkjum  9  150.gr.  :  LgboWnarb;tabyrgWirYriWjaaWila  ; vlknnumkutkjum  < 1. J EfskaWatryggingaflag,meWmilligngustofnun = arsemstaWsettereinuaWildarrkjanna,byrgist pH> httu,aWraenbyrgWvegnaflutninga,semflokkast ? 10.flokkAhlutaI.viWaukasemerWruaWildar @ rki,skalgistiaWildarrkikrefjastYessaWflagverWi tLA aWiliaWogtakiYttfjrmgnunlandsskrifstofuog  B innlendumbyrgWarsj;WiYess. C 2. J Fjrframlagsemumgetur1.mgr.skalaWeins D lagtframtengslumviWhttur,aWrarenbyrgW `E vegnaflutninga,semflokkast10.flokkAhlutaI. 4 F viWaukasemfellurundirYj;nustustarfsemi.XaW G framlagskalreiknaWtsamagrundvellifyrir dH skaWatryggingaflgsemberabyrgWYeimhtt 8I ummeWmilligngustofnunarYvaWildarrki. J BtreikningurinnskalgerWurmeWvsaniWgjalda K tekjurvtryggingaflagsafYeimflokkigistiaWildar xL rkinueWafjldahttnaYeimflokkisemflagiW L$M berbyrgWYar. N 3. J GistiaWildarrkiWgeturkrafistYessaWvtrygg !O ingaflag,semveitirYj;nustu,starfisamrmiviW !P kvWireglnaYvaWildarrkiaWYvervarWar `"8Q byrgWaukinnihttu,aWsvomikluleytisemYr  #R eigaviWumskaWatryggingaflgsemkomiWerf;t #S Yvrki. d$< T   151.gr. t%L!U  BannviWmismununaWilasemskjakrfur  &\"V ]GistiaWildarrkiWskalkrefjastYessaWskaWatrygg 'l#W ingaflagtryggiaWaWilarsemskjakrfur,sem@($X leiWaafatburWumsemeigasrstaWyfirrWasvWi ( Yess,ogeruekkiverristWuvegnaYessaWflagiW  berbyrgWhttu,fyrirutanbyrgWvegnaflutn X inga,semflokkast10.flokkAhlutaI.viWauka , semfellurundirYj;nustustarfsemi,frekarenmeW  milligngustofnunarsemstaWsetterYvrki. \   152.gr. l  Fulltri   | r1.  0Yeimtilgangisemumgetur151.gr.,skalgisti   aWildarrkikrefjastYessaWskaWatryggingaflagtil ` 8  nefnifulltrasemerbsettureWaheimilisfastur    yfirrWasvWiYess,semskalsafnallumnauWsyn    legumupplUsingumtengslumviWkrfur,ogskal d <  hafaumboWtilaWkomaframfyrirhndflagsins   gagnvartaWilumsemorWiWhafafyrirtj;nioggtu   s;ttkrfur,Y.m.t.greiWsluYesshttarkrafna,og h@  komiWframfyrirhndYesseWa,efnauWsynkrefur,   frammifyrird;mst;lumogyfirvldumYessaWildar   rkistengslumviWYrkrfur. lD  XessgetureinnigveriWkrafistaWsfulltrikomi |T framfyrirhndskaWatryggingaflagsframmifyrir ( eftirlitsyfirvldumgistiaWildarrkisaWYvervarWar  athuguntilvistoglgmtibyrgWartryggingavl X kninnakutkja. , 2.  GistiaWildarrkiskalekkikrefjastYessaWfulltri < skuldbindisigtilaWannastnnurstrffyrirhnd  skaWatryggingaflagssemtilnefndihannenYausem l setterufram1.mgr. @ 3.  Tilnefningfulltraskalekkisjlfusrtkna P( stofnuntibsaWYvervarWar145.gr.  4.  Efvtryggingaflaghefurekkitilnefntfulltra   getaaWildarrkinsamYykktaWtj;nauppgjrsfulltri,  semtilnefndurersamrmiviW4.gr.tilskipunar d<  2000/26/EBanniststrffulltranssemumgetur1. ! mgr.Yessarargreinar. "   3.Yttur #  ValdsviWeftirlitsyfirvaldagistiaWildarrkisins  $ 1.undirYttur  %  Vtryggingar  !& 153.gr.  #'  Tunguml  $( EftirlitsyfirvldgistiaWildarrkisinsgetakrafistYess ,%!) aWupplUsingarnar,semYaugetafariWframvarW %!* andistarfsemivtryggingaflagsyfirrWasvWi &\"+ Yess,suveittaropinberutungumlieWatunguml 0'#, umYessrkis. '#-   154.gr. (-  FyrirframtilkynningogfyrirframsamYykki  8. _1. J GistiaWildarrkjunumer;heimiltaWsamYykkja H / kvWiYarsemkrafisterfyrirframsamYykkisviW 0 eWareglubundinnatilkynningaalmennumogsr x1 stkumtryggingaskilmlum,iWgjaldatxtum,eWa L$2 tilvikilftrygginga,tknilegumgrundvellisemer 3 einkumnotaWurviWtreikningiWgjaldatxtumog  |4 lftryggingaskuldeWaeyWublWumogWrumskjl P (5 umsemvtryggingaflagiWhefurhyggjuaWnota  6 skiptumsnumviWvtryggingataka.  7 2. J 0YvskyniaWhafaeftirlitmeWYvaWvtrygg  8 ingafyrirtkifariaWinnlendumkvWumumv d < 9 tryggingarsamninga,mgistiaWildarrkiWaWeins  : krefjast;kerfisbundinnatilkynningavegnatrygg  ; ingaskilmlaogannarraskjalafrvtryggingaflagi h@ < semfyrirhugaraWstundavtryggingastarfsemi  = yfirrWasvWiYess,ogYrkrfurskuluekkivera  > skilyrWiYessaWvtryggingaflagstundistarfsemi. lD ? 3. J GistiaWildarrkiskuluekkiviWhaldaeWatakaupp |T@ krfurumfyrirframtilkynningareWasamYykkis (A hkkunariWgjalda,nemasemhlutiafalmennuverW B stUringakerfi. XC   155.gr. hD  VtryggingaflgsemfaraekkiaW xE lagakvWum  L$F -1. J NkomasteftirlitsyfirvldgistiaWildarrkisaW \4G YvaWvtryggingaflag,semhefurtibeWarekur H starfsemisamkvmtfrelsitilaWveitaYj;nustu I yfirrWasvWiYess,ferekkiaWYeimlagakvWum `8J semumYaWgildaYvaWildarrkiogskuluYauY  K krefjastYessafvtryggingaflaginuaWYaWbindi L endahinar;venjuleguaWstWur. d<M 2. J NgerirumrttvtryggingaflagekkinauWsyn tLN legarrWstafanirogskuluYeftirlitsyfirvldviW  O komandiaWildarrkistilkynnaYaWeftirlitsyfirvldum P heimaaWildarrkisins. xPQ EftirlitsyfirvldheimaaWildarrkisinsskuluviWfyrsta  `R tkifrigeraallarviWeigandirWstafanirtilaW 4! S tryggjaaWvtryggingaflagsemhlutaWmlibindi !T endaYetta;eWlilegastand. "dU EftirlitsyfirvaldheimaaWildarrkisinsskaltilkynna #tV eftirlitsyfirvaldigistiaWildarrkisinsumrWstafanir H$ W semgerWareru. $ X 3. J NheldurvtryggingaflagiWframaWbrj;ta &!Y gegnlagakvWumsemgildieruviWkomandi &"Z gistiaWildarrkiYrttfyrirWurnefndarrWstafaniraf \'4#[ hlfuheimaaWildarrkiseWavegnaYessaWrWstafan (#\ irnareru;n;gareWahafaekkiveriWgerWaroggeta($] YyfirvldgistiaWildarrkis,erYauhafaskUrteftir ( litsyfirvldumheimaaWildarrkisinsfrYv,gertviW  eigandirWstafanirtilaWkomavegfyrireWarefsa X fyrirfrekaribrotogYarmeWal,aWYvmarkisem , YaWernauWsynlegt,komiWvegfyriraWflagiWgeri  fleirivtryggingasamningayfirrWasvWiYess. \ AWildarrkinskulusjtilYessaWYeirrayfirrWa l svWisunntaWbirtavtryggingaflgumnauWsyn @  leglagaskjlvegnaslkrarWstafana.   4.  kvWi1.,2.og3.mgr.hafaekkihrifrtt    viWkomandiaWildarrkistilaWgeranauWsynlegarrW    stafanirneyWartilvikumtilaWkomavegfyrireWa T ,  refsafyrirlagabrotyfirrWasvWiYess.Xettafelur    einnigsrYannmguleikaaWkomavegfyriraW   vtryggingaflggerifleirivtryggingasamninga X0  yfirrWasvWiYess.   5.  kvWi1.,2.og3.mgr.hafaekkihrifrttaW   ildarrkistilaWrefsafyrirbrotsemeruframinyfir   rWasvWiYess. lD  6.  Hafivtryggingaflag,semhefurgerstbrotlegt, |T starfsstWeWaeigieignirviWkomandiaWildarrki ( getaeftirlitsyfirvldhinssWarnefndabeittYeim  stj;rnsUsluviWurlgumsemlandslgYeirraleggjaviW X broti,meWrefsiaWgerWumgagnvartYeirristarfsstW , eWaYeirrieignsemumrWir.  7.  AllarrWstafanir,semgripiWertilskv.2.til6.  mgr.ogfelasrtakmrkunvtryggingastarfsemi, l skulurkstuddarogtilkynntarYvvtryggingaflagi @ semhlut.  8.  Vtryggingaflgskuluafhendaeftirlitsyfirvld  umgistiaWildarrkisllggnsemYau;skaeftiraW  YauafhendiaWYvervarWar1.til7.mgr.aWYv T, markisemvtryggingaflgumsemhafaaWalskrif   stofuYvaWildarrkiseinnigskyltaWgeraYaW. ! 9.  AWildarrkiskuluupplUsaframkvmdastj;rnina " umfjldaogtegundirtilvikasemleiWatilhfnunar h@# skv.146.og148.gr.eWaYarsemrWstafanirhafa $ veriWgerWarskv.4.mgr.Yessarargreinar. % grundvelliYeirraupplUsingaskalframkvmda  & stj;rninupplUsaEvr;punefndumvtryggingarog |!T' starfstengdalfeyrissj;Witveggjarafresti. ("(   156.gr. 8#)  AuglUsingastarfsemi  H$ * wVtryggingaflgsemhafaaWalskrifstofuraWildar X%0!+ rkjummegaauglUsaYj;nustusnallumtiltkum &!, miWlumgistiaWildarrkinu,svofremifariWseftir &"- reglumumframsetninguogefnislkraauglUsinga \'4#. semsettarhafaveriWYgualmennrahagsmuna. (#/   157.gr. (/  SkattlagningiWgjalda  80 n1. J nYessaWYaWhafihrifsWarisamhfingu, H 1 skuluvtryggingarsamningareinungisfallaundir 2 ;beinaskattlagninguogskattatengdagjaldtkuaf x3 tryggingariWgjldumYeimaWildarrkjumsem L$4 httanerstaWsetteWaaWildarrkiskuldbindingar 5 innar.  |6 AWYvervarWarfyrstuundirgrein,teljastfranlegar  7 eignirfasteignsemerinnanyfirrWasvWisaWildar ` 88 rkis,aWundanskildumvrumumflutningi,htta  9 staWsettYvaWildarrki,jafnveleffasteigninog  : innihaldhennarfalliekkiundirsamavtryggingar d < ; samning.  < Spnileggjasteinnigvtryggingarsamninga   = aukagjld,semkomiWermeWlglegumhtti  > YguConsorciodeCompensaci;ndeSeguros xP ? SpnitilYessaWYaugetiframkvmtverkefnisn $ @ tengslumviWbturvegnatapsafvldum;venju  A legraatburWasemeigasrstaWYvaWildarrki. |TB 2. J Lggjf,semviWumsamninginnskv.178.gr. dC YessarartilskipunarogsamkvmtreglugerW(EB)nr. 8D 593/2008,skal;hWhinniskattalegutilhgunsem E gildier. hF 3. J HvertaWildarrkiskalbeitaeigininnlendum xG kvWumgagnvartYeimvtryggingaflgumsem L$H byrgjasthttueWaskuldbindingarinnanyfirrWa I svWissnsvarWandirWstafanirsemgerWarerutilaW |J tryggjainnheimtu;beinnaskattaogskattatengdra P(K gjaldatilgreiWsluskv.1.mgr. L   2.undirYttur  M  Endurtryggingar N  158.gr. ,O  EndurtryggingaflgsemfaraekkiaW <P lagakvWum  Q  1. J NkomasteftirlitsyfirvldgistiaWildarrkisaW R YvaWendurtryggingaflag,semhefurtibeWarek  |S urstarfsemisamkvmtfrelsitilaWveitaYj;nustu P!(T yfirrWasvWiYess,ferekkiaWYeimlagakvWum !U semumYaWgildaYvaWildarrkiogskuluYauY "V krefjastYessafendurtryggingaflaginuaWYaWbindi T#,W endaYaWstandogfariaWsettumreglum.sama $X tmaskuluYauvsamlinutileftirlitsyfirvalds $ Y heimaaWildarrkinu. X%0!Z 2. J NheldurendurtryggingaflagiWframaWbrj;ta h&@"[ gegnlagakvWumsemgildieruviWkomandi '"\ gistiaWildarrkiYrttfyrirWurnefndarrWstafaniraf '#] hlfuheimaaWildarrkiseWavegnaYessaWrWstafanl(D$^ irnareru;n;garoggetaYyfirvldgistiaWildarrkis, ( erYauhafaskUrteftirlitsyfirvldumheimaaWildar  rkisinsfrYv,gertviWeigandirWstafanirtilaW X komavegfyrireWarefsafyrirfrekaribrotogYar , meWal,aWYvmarkisemYaWernauWsynlegt,komiW  vegfyriraWendurtryggingaflagiWgerifleiriendur \ tryggingasamningayfirrWasvWiYess. 0 AWildarrkinskulusjtilYessaWYeirrayfirrWa @  svWisunntaWbirtaendurtryggingaflgumnauW   synleglagaskjlvegnaslkrarWstafana.  p  3.  AllarrWstafanir,semgripiWertilskv.1.og2.    mgr.ogfelasrviWurlgeWatakmrkunendur T ,  tryggingastarfsemi,skuluvelrkstuddarogtilkynnt    arYvendurtryggingaflagisemhlut.     4.Yttur    TlfrWilegarupplUsingar    159.gr.    TlfrWilegarupplUsingarumstarfsemi   yfirlandamri  p _Vtryggingaflgskulu,sundurliWaWeftirYvhvort  umeraWrWaviWskiptisemerustunduWsamkvmt T, staWfesturttieWaviWskiptisemstunduWerusam  kvmtfrelsitilaWveitaYj;nustu,skUralgbru  eftirlitsyfirvaldiheimaaWildarrkinufrfjrhWiW X0 gjalda,krafnaogY;knanaWurenendurtryggingar  iWgjlderudreginfr,fyrirhvertaWildarrkiog  hverneftirfarandi: \4 a)0  aWYvervarWarskaWatryggingar,h;pflokkaeins lD ogsetterframV.viWauka, b)0  aWYvervarWarlftryggingar,hvernflokkItilIX ( einsogsetterframII.viWauka. AWYvervarWar10.flokkAhlutaI.viWauka,aW  undanskildumbyrgWvegnaflutninga,skalhlutaW h  eigandiflageinnigupplUsaYaWeftirlitsyfirvaldum <! tWniogmeWalkostnaWkrafna. " EftirlitsyfirvaldheimaaWildarrkisskalframsenda # upplUsingar,semumgeturfyrstuogannarriundir  |$ grein,innanhfilegsfrestsogsamanteknuformitil P!(% eftirlitsyfirvaldahlutaWeigandiaWildarrkjasam !& kvmt;skYeirra. "'   5.Yttur #(  MeWferWsamningatibaslitameWferW  $ ) 160.gr. %!*  Slitvtryggingaflaga  &"+ NervtryggingaflagislitiWogskalYgeraupp '#, skuldbindingarvegnasamninga,semgerWirhafaver (|$- iWfyrirmilligngutibseWasamkvmtfrelsitilaW (- veitaYj;nustu,samahttogYrsemeigarturaW . rekjatilannarravtryggingasamningaflagsinsog X/ burtsWfrYj;WernitryggWraeWartthafa. ,0   161.gr. <1  Slitendurtryggingaflaga  L$2 SNerendurtryggingaflagislitiWogskalYgeraupp \ 43 skuldbindingarvegnasamningasemgerWirhafaver  4 iWfyrirmilligngutibseWasamkvmtfrelsitilaW  5 veitaYj;nustu,samahttogYrsemeigarturaW ` 86 rekjatilannarraendurtryggingasamningaflagsins.  7   IX.KAFLI  8  BtibsemstofnuWeruinnanbandalagsinsog , 9 tilheyravtryggingaflgum,Y.m.t.  : endurtryggingaflg,semhafa \ ; aWalskrifstofurutanbandalagsins  0 < 1.Yttur @ =  Reksturhafinn P(>  162.gr. `8?  MeginreglurumleyfisveitinguogskilyrWi  pH@ P1. J AWildarrkiskulukrefjastYessaWflag,semhef XA uraWalskrifstofusnautanBandalagsins,aflisr ,B starfsleyfistilaWstundarkinuYstarfsemisemum C getur1.mgr.2.gr. \D 2. J AWildarrkierheimiltaWveitaflagistarfsleyfi lE aWuppfylltumeftirfarandilgmarksskilyrWum: @F a)0 J YaWhefurleyfitilaWstundavtryggingastarfsemi P(G samkvmtlandslgumsnum,HJJ b)0 J YaWkemurf;ttibiinnanyfirrWasvWisYess  I aWildarrkisYarsems;stereftirleyfi,JJJ c)0 J YaWskuldbindisigtilaWhaldareikningafyrirat K vinnureksturinn,YeimstaWYarsemeWatibiW tLL hefuraWseturoggeymaYarllggnviWvkjandi  M starfseminni,NJJ d)0 J YaWtilnefniaWalumboWsmannsemeftirlitsyfir  O vldviWurkenna,!`PJJ e)0 J YaWhafiyfiraWrWa,YvaWildarrkiYarsem "pQ YaW;skareftirstarfsleyfi,eignumsemjafngildi D#R a.m.k.helmingilgmarksfjrhWar,semkveWiW #S erumdliW1.mgr.129.gr.aWYvervarWar $t T lgmarkskrfurumeigiWf,ogleggiframsem H% !U geymslufeinnfj;rWaaflgmarksfjrhWinni,%!VJJ f)0 J YaWskuldbindursigtilaWuppfyllagjaldYolskrf '"W uroglgmarkskrfurumeigiWfsamrmiviW '#X krfurnarsemumgetur100.og128.gr.,$\(4$YJJ $g)0  YaWtilkynninafnogheimilisfangtj;nauppgjrs ( fulltrasemtilnefndurerhverjuaWildarrki  WruenYvYarsems;tterumstarfsleyfiW,ef X httansemtryggtergegnflokkast10.flokk , AhlutaI.viWauka,aWundanskilinnibyrgW  vegnaflutninga.\ h)0  YaWleggiframrekstrartlunsamkvmtkvW l um163.gr.,@  i)0  YaWuppfyllirkrfurumstj;rnunarhttisem P ( mlterfyrirum2.YttiIV.kafla.   3.  AWYvervarWarYennankaflamerkir?tib     stWugviWveraflagssemumgetur1.mgr.yfir    rWasvWiaWildarrkis,semfrstarfsleyfiYvaW d <  ildarrkiogstundarvtryggingastarfsemi.     163.gr.     Rekstrartluntibs  0  -1.  0rekstrartluntibssemumgeturhliW2. @  mgr.162.gr.skalsetjaframeftirfarandi:   a)0  eWliYeirrahttnaeWaskuldbindingasemflag  iWhyggsttakaaWsr, b)0  meginreglurendurtryggingar, c)0  matframtWargjaldYolskrfum,einsogmlter  fyrirum4.YttiVI.kafla,grundvellitlaWs tL efnahagsreikningsogeinnigreikningsaWferWin   sembeittertilaWleiWaframYettamat, d)0  matframtWarlgmarkskrfumumeigiWf,eins  ogmlterfyrirum5.YttiVI.kafla,grund ` vellitlaWsefnahagsreikningsogeinnigreikn 4  ingsaWferWinsembeittertilaWleiWaframYetta  mat,d e)0  yfirlityfirtkteigiWfogviWurkennteigiWff t lagsmeWtillititilgjaldYolskrfuoglgmarks H  krafnaumeigiWfeinsogumgetur4.og5.   YttiVI.kafla,x! f)0  tlaWankostnaWviWaWkomaupprekstrar " aWstWuogskipulagitilaWtryggjaframhaldandi \ 4# starfsemi,fjrmagnsemtlaWeraWstanda !$ straumafhonumog,efhttansemtryggter !% gegnflokkast18.flokkAhlutaI.viWauka,aW `"8& gengilegrrWitilaWveitaYaWstoW, #' g)0  upplUsingarumskipulagstj;rnkerfis.$( 2.  AukskilyrWannasemsetterufram1.mgr.skal ,%!) eftirfarandikomaframrekstrartluninnifyrirYrj %!* fyrstufjrhagsrin: &\"+ a)0  tlaWanefnahagsreikning,'l#, b)0  matfjrmagnisemtlaWeraWstandastraumaf(|$- vtryggingaskuldum,lgmarkskrfumumeigiW (- foggjaldYolskrfum,.JJ c)0 J YegarumeraWrWaskaWatryggingar:/JJ  J i.0  tlaWurstj;rnunarkostnaWur,annarenupp 0 setningarkostnaWur,einkumalmennurkostn x1 aWurvegnadaglegsrekstursogumboWslauna,L$2  J ii.0  tluWiWgjldeWaframlgogkrfur,\ 43 d)0 J varWandilftryggingar,tlunmeWnkvmrisp l D4 umtekjurogkostnaWvegnafrumtryggingastarf  5 semi,m;ttkuendurtryggingaogvegnaendur  6 tryggingaverndar,p H7JJ 3. J AWYvervarWarlftryggingargeturaWildarrki  X 8 krafistYessaWvtryggingaflagtilkynnireglulega , 9 umhvaWatknilegigrundvllurernotaWurviWt  : reikningiWgjaldatxtumoglftryggingaskuld,en \ ; YessikrafaerY;ekkiskilyrWifyrirYvaWlftrygg 0 < ingaflaggetirekiWstarfsemisna.  =   164.gr.  >  Yfirfrslavtryggingastofns  ? ;1. J MeWYeimskilyrWumsemsetterulandslgum  @ skuluaWildarrkiveitatibum,semstofnsetteru A yfirrWasvWiYeirraogYessikaflitekurtil,leyfitil d<B aWyfirfrasamningasafnYeirraaWeinhverjueWa C lluleytitilviWtkuflagssemstofnsettersamaaW D ildarrki,endastaWfestieftirlitsyfirvldYessaWildar h@E rkiseWa,efviW,aWildarrkiWsemumgetur167. F gr.aWgjaldYolviWtkuflagsinssfullngjandier G tekiWhefurveriWtillittilyfirfrslunnar. lDH 2. J MeWYeimskilyrWumsemsetterulandslgum |TI skuluaWildarrkiveitatibum,semstofnsetteru (J yfirrWasvWiYeirraogYessikaflitekurtil,leyfitil K aWyfirfrasamningasafnYeirraaWeinhverjueWa XL lluleytitilvtryggingaflagssemhefuraWalskrif ,M stofuWruaWildarrki,endastaWfestieftirlitsyfir N vldYessaWildarrkisaWnauWsynlegtviWurkennteig \O iWfviWtkuflagsinssfullngjandiaWYvervarW 0P argjaldYolskrfursemumgeturfyrstuundirgrein Q 100.gr.ertekiWhefurveriWtillittilyfirfrslunnar.  `R 3. J EfaWildarrki,samkvmtskilyrWunumsemkveW !pS iWerumlandslgum,leyfirtibumyfirrWa D"T svWisnu,semfallaundirYennankafla,aWyfirfra "U samningasafnYeirraaWeinhverjueWalluleytitil #tV tibssemfellurundirYennankaflaogerstofnsett H$ W innanyfirrWasvWisannarsaWildarrkis,skalYaW $ X tryggjaaWeftirlitsyfirvldaWildarrkisflagsinssem %x!Y tekurviWsafninueWa,efviW,aWildarrkisinssem L&$"Z umgetur167.gr.votti: &"[ a)0 J aWflagiWsemtekurviWyfirfrslunnihafinauW (#\ synlegtviWurkennteigiWftilaWuppfyllagjald$($]JJ $Yolskrfur,eftiraWhafatekiWviWyfirfrslunni,( b)0  aWlggjfaWildarrkisflagssemtekurviWyfir 8 frslunniheimiliYesshttaryfirfrsluog c)0  aWaWildarrkihafisamYykktyfirfrsluna. 4.  0Yeimtilvikumsemumgetur1.til3.mgr.skal  aWildarrkiW,YarsemtibiWsemyfirfrirvtrygg  ingastofnsinnerstaWsett,heimilayfirfrsluna,aW \ 4 fengnusamYykkieftirlitsyfirvaldaYessaWildarrkis   YarsemhttanereWagengisterundirskuldbind   inguna,efYaWerekkiaWildarrkiWYarsemtibiWer ` 8  semyfirfrirvtryggingastofnsinn.    5.  EftirlitsyfirvldaWildarrkjunumsemsamrWer    haftviWskulutilkynnaeftirlitsyfirvldumheima   aWildarrkivtryggingaflagsinssemyfirfrirv tL  tryggingastofnsinnumlitsitteWasamYykkiinnan    YriggjamnaWafrYvaWYeimbarstbeiWnin,Ef   yfirvldinsemsamrWerhaftviWhafaekkisvaraW xP  innanYessfreststelstYaWjafngildajkvWusvari $  eWaYegjandisamYykki.   6.  YfirfrslavtryggingastofnssemheimiluWer  samrmiviW1.!5.mgr.skalbirteinsogmlter d fyrirumlandslgumaWildarrkisinsYarsemhtt 8 anerstaWsetteWaaWildarrkinuYarsemgengister  undirskuldbindinguna. h SlkyfirfrslaWlastsjlfkrafagildigagnvartv x tryggingatkum,hinumtryggWuogllumYeimWr L$ umsemeigartteWaberaskylduvegnaYeirrasamn  ingasemyfirfrWirhafaveriW. |   165.gr.   Vtryggingaskuld   mNAWildarrkiskulukrefjastYessaWflgreiknifull  ngjandivtryggingaskuldtilaWtryggjavtrygg X inga-ogendurtryggingaskuldbindingar,semYau ,  stofnatilinnanyfirrWasvWisYeirra,reiknaWt ! samrmiviW2.YttVI.Kafla.AWildarrkiskulu \" krefjastYessaWflgmetieignirogskuldirsam 0# rmiviW1.YttVI.kaflaogkvarWieigiWfsam $ rmiviW3.YttVI.kafla.  `%   166.gr. !p&  GjaldYolskrafaoglgmarkskrfurumeigiWf  "' ;Q1.  HvertaWildarrkiskalkrefjastYessaWtib,sem #( komiWerf;tyfirrWasvWiYess,hafiyfiraWrWa d$< ) fjrhWviWurkenndseiginfjrsemsamanstenduraf % * YeimYttumsemumgetur3.mgr.98.gr. %!+ GjaldYolskrfuoglgmarkskrfurumeigiWfskal &", reiknatsamrmiviWkvWi4.og5.YttarVI. x'P#- kafla. $(#. AWYvervarWartreikninggjaldYolskrfuoglg (. markskrfumumeigiWfskalY;aWeinstakatillittil / YeirrarstarfsemisemviWkomanditibhefurhrif X0 ,bWitilvikilf-ogskaWatrygginga. ,1 2. J TkfjrhWeiginfjrsemkrafistertilaWupp <2 fyllalgmarkskrfurumeigiWfoglgmarksfjrhW 3 YeirralgmarkskrafnaumeigiWfskalkvrWuW l4 samrmiviW4.mgr.98.gr. @ 5 3. J TkfjrhWeiginfjrskalekkiveralgrien P (6 helmingurlgmarksfjrhWarsemkrafisterskv.d  7 liW1.mgr.129.gr.  8 TryggingarfsemhefurveriWlagtframsamrmi  9 viWeliW2.mgr.162.gr.skalreiknastm;tiYess d < : httartkueiginfYvskyniaWuppfyllalg  ; markskrfurumeigiWf.  < 4. J Eignir,semtryggjagjaldYol,skuluvarWveittar  = YvaWildarrkiYarsemstarfseminerrekinaWYv xP > markisemsamsvararlgmarkskrfumumeigiWf $ ? ogYaWsemumframerskalvarWveittinnanBanda  @ lagsins. |TA   167.gr. dB  vinningurfyrirflgsemhafastarfsleyfi tC fleirieneinuaWildarrki H D Y 1. J Flgum,sem;skaWhafaeftireWafengiWhafa X0E starfsleyfifleirieneinuaWildarrki,erheimiltaW F skjaumvinningafeftirtldumtegundumsemein G ungismveitaleyfifyrirllumeinu: \4H a)0 J aWgjaldYolkrfur,semumgetur166.gr.,verWi lDI reiknaWargrundvelliallrarstarfsemiYessinnan J Bandalagsins,KJJ b)0 J aWgeymslufYaW,semkrafisterskv.eliW2. L mgr.162.gr.,skuliaWeinslagtframeinuaW XM ildarrkjanna,,NJJ c)0 J aWeignir,semtryggjalgmarkskrfurumeigiW <O f,megisamrmiviW134.gr.veraeinhverju P aWildarrkjannaYarsemflagiWstarfarogY lQ hverjuYeirrasemer.@ RJJ 0YeimtilvikumsemumgeturaliWfyrstuundir P!(S greinar,skalaWeinstakatilgreinastarfsemitiba !T semstofnsetthafaveriWinnanBandalagsinsYegar "U YessitreikningurergerWur. T#,V 2. J Ums;knumaWnUtaYrtegundirvinnings,sem d$< W umgetur1.mgr.,skalsendaeftirlitsyfirvldum % X YeirraaWildarrkjasemhluteiga.0ums;kninniskal %!Y komaframYaWyfirvaldaWildarrkissemframvegis h&@"Z skuliannasteftirlitmeWgjaldYolifyrirsamanlagWa '"[  starfsemitibasemstofnsetthafaveriWinnan'#\ Bandalagsins.FlagiW& X  skalskUrafrstWuYessaW ( viWkomandiyfirvaldvarWfyrirvalinu.'X(oa  TryggingarfsemumgetureliW2.mgr.162.gr.  skallagtframYvaWildarrki. h 3.  XvaWeinsmveitaleyfifyrirYeimtegundum x vinningssemmlterfyrirum1.mgr.aWeftirlits L$ yfirvldllumaWildarrkjum,Yarsems;tthefur  veriWum,veitisamYykkisitt.  | XeirvinningartakagildifrYeimtmaYegareftir   litsyfirvaldiW,semvarWfyrirvalinu,tilkynnirWrum ` 8  eftirlitsyfirvldumaWYaWmunihafaeftirlitmeW    gjaldYolsstWusamanlagWrarstarfsemitibainnan    Bandalagsins. d <  EftirlitsyfirvaldiW,semvaliWer,aflarallranauWsyn tL  legraupplUsingafrWrumaWildarrkjumtilYessaW    hafaeftirlitmeWheildargjaldYolitibasemstofnuW   eruyfirrWasvWumYeirra. xP  4.  KrefjisteitteWafleirihlutaWeigandiaWildarrki `  YessskuluYrtegundirvinnings,semtibumhef 4  urveriWveittleyfifyrirsamkvmt1.,2.og3.mgr.,  felldarrgildisamtmisafllumaWildarrkjumsem d hluteigaaWmli. 8   168.gr. H   Reikningsskil,varfrnis-ogtlfrWilegar X0 upplUsingarogflgerfiWleikum   gAWYvervarWarYennanYtt,gilda34.gr.,3.mgr.  139.gr.og140.og141.gr.  EfflaguppfyllirskilyrWitilaWnj;tavinningssem  kveWiWerum1.,2.og3.mgr.167.gr.,aWYver |T varWarbeitingu137.til139.gr.,skalmeWhndla ( eftirlitsyfirvald,semberbyrgWaWvottagjaldYol  tibasemkomiWerf;tinnanBandalagsinsaWYv X ertekurtilallrarstarfsemiYeirra,samahttog ,  eftirlitsyfirvaldaWildarrkisYessyfirrWasvWissem ! flagsemkomiWerf;tBandalaginuhefuraWal \" skrifstofu. 0#   169.gr. @ $  AWgreiningskaWa-oglftryggingastarfsemi  P!(% k1.  BtibsemumgeturYessumYttiskuluekki `"8& samatmastundalf-ogskaWatryggingastarfsemi  #' samaaWildarrki. #( 2.  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J AWildarrkisemkrefstYesssamkvmtannarri (. undirgrein5.mgr.73.gr.aWflg,semstofnuWeru / yfirrWasvWiYess,httiaWrekasamtmisbWar X0 tegundirstarfsemi,semstundaWareruviWkomandi ,1 dgumsemumgeturfyrstuundirgrein5.mgr.73. 2 gr.,skalennfremurgerasmukrfurvarWanditib, \3 semYessiYtturviWum,ogeruyfirrWasvWi 04 YessogstundaYarsamtmisbWartegundirstarfsem 5 innar.  `6 AWildarrkjunumerheimiltaWleyfatibum,sem  p7 YessiYtturviWum,aWhaldaframstarfsemisinni D 8 YarY;ttaWalskrifstofaYeirrarekisamtmis,Yeim  9 dgumsemumgeturfyrstuundirgrein5.mgr.73.  t: gr.,bWartegundirstarfsemieninnanaWildarrkisins H ; einungislftryggingastarfsemi.EfflagtlaraW  < stundaskaWatryggingastarfsemiYvyfirrWasvWi x = mYaWeinungisstundaskaWatryggingastarfsemi L$ > gegnumd;tturflags.  ?   170.gr.  @  Afturkllunstarfsleyfistilflagasemhafa  A starfsleyfifleirieneinuaWildarrki  B stAfturkalliyfirvaldiW,semumgetur2.mgr.167. C gr.,starfsleyfiskalYaWtilkynnaslkteftirlitsyfir XD vldumhinnaaWildarrkjannaYarsemflagiWermeW ,E starfsemiogskuluyfirvldingeraviWeigandirW F stafanir. \G EfstWaafturkllunarer;fullngjandiheildar lH gjaldYoleinsogYaWerkvarWaWafaWildarrkjunum @I semsamYykktubeiWnisemumgetur167.gr.,skal J aWildarrkiWsemveittisamYykkisitteinnigafturkalla pK veittstarfsleyfi. DL   171.gr. T,M  SamningarviWYriWjulnd  d<N xBandalaginuerheimiltaWvkjafrkvWumsem tLO kveWiWerumYessumYttimeWsamningumsem  P gerWirerusamrmiviWstofnsttmlannviWeitteWa Q fleiriYriWjulndgrundvelligagnkvmni,Yv xPR skyniaWtryggjavtryggingatkumoghinum $ S tryggWuaWildarrkjunumfullngjandivernd.  T   2.Yttur !U  Endurtryggingar "V  172.gr. $W  Jafngildi  % X Pz1. J Framkvmdastj;rninskalsamYykkjafram  &!Y kvmdarrWstafanirsemtilgreinaviWmiWtilaWmeta &"Z jafngildigjaldYolsreglnaYriWjalands,sembeitter x'P#[ endurtryggingastarfsemiflagameWaWalskrifstofu$(#\ YvYriWjalandi,viWYrsemmlterfyrirumI. ( blki.  XessarrWstafanir,semertlaWaWbreytaveigalitl  umYttumYessarartilskipunarmeWYvaWaukaviW h hana,skulusamYykktarsamrmiviWstj;rnsUslu < mlsmeWferWinameWathugunsemumgetur3.mgr.  301.gr. l 2.  Framkvmdastj;rningetur,samrmiviWreglu  | nefndarmeWferWsemumgetur2.mgr.301.gr.og P ( aWteknutillititilviWmiWanasemsamYykkteru    samrmiviW1.mgr.,kvarWaWhvortgjaldYolsreglur    YriWjalands,sembeittergagnvartendurtrygginga T ,  starfsemiflagameWaWalskrifstofusnaYvYriWja    landi,sujafngildarYeimsemkveWiWerumI.   blki. X0  XrkvarWanirskuluendurskoWaWarreglulega. h@  3.  Ef,samrmiviW2.mgr.,gjaldYolsreglurYriWja xP  landsteljastjafngildarYeimsemmlterfyrirum $  Yessaritilskipun,skalmeWhndlaendurtryggingar   samninga,semgerWireruviWflgsemhafaaWal |T skrifstofuYvYriWjalandi,meWsamahttiog ( endurtryggingarsamningasemgerWireruviWflg  semhafastarfsleyfisamrmiviWYessatilskipun. X   173.gr. h  BannviWveWsetningueigna  x AWildarrkiskuluekkiviWhaldaeWatakaupp,vegna  myndunarvtryggingaskuldar,kerfimeWbrtt;vara \4 sj;WumsembindaeignirtilaWmtavntumiW  gjldumogtistandanditj;naskuldefendurtryggj  andinnervtrygginga-eWaendurtryggingaflag `8 YriWjalandi,staWsetturlandiYarsemgildagjald   YolsreglursemteljastjafngildarYeimsemmlter  fyrirumYessaritilskipunsamrmiviW172.gr. d<    174.gr. tL!  MeginreglaogskilyrWifyrirrekstri \" endurtryggingastarfsemi  0# AWildarrkiskalekkibeitaendurtryggingaflgum @ $ YriWjulndum,semstofnaeWastundaendurtrygg  % ingastarfsemiyfirrWasvWiYess,kvWumsem !p& leiWatilhagstWarimeWferWenveitterendurtrygg D"' ingaflagisemhefuraWalskrifstofusnaYvaWildar "( rki. #t)   175.gr. $ *  SamningarviWYriWjulnd  %!+ ^1.  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K   X.KAFLI L  D;tturflgvtryggingaflaga,Y.m.t. M endurtryggingaflaga,semheyraundirlggjf tLN YriWjalandsogflunslkraflaga  O eignarhlutum  P 176.gr. Q  UpplUsingarfraWildarrkjumtil  R framkvmdastj;rnarinnar  !pS EftirlitsyfirvldaWildarrkjannaskuluupplUsafram "T kvmdastj;rninaogeftirlitsyfirvldannarraaWildar T#,U rkjaumllstarfsleyfisemveitterubeinueWa $V ;beinud;tturflagi,efeitteWafleirim;Wurflaga $ W YeirraheyrirundirlggjfYriWjalands. X%0!X 0YeimtilvikumskaleinnigupplUsaumskipulagviW h&@"Y  komandisamstWu.'"Z Efflagsemheyrir& X  undirlggjfYriWjalandsyfir ( tekureignarhlutdeildvtrygginga-'X(eWaendurtrygg  ingaflagimeWstarfsleyfiBandalaginu,semmyndi X breytaYvvtrygginga-eWaendurtryggingaflagi , d;tturflagYessflagsfrYriWjalandi,skulueftir  litsyfirvldheimaaWildarrkisupplUsaframkvmda \ stj;rninaogeftirlitsyfirvldannarraaWildarrkja. 0   177.gr. @   MeWhndlunYriWjalands P ( vtryggingaflgum,Y.m.t.    endurtryggingaflgum,rBandalaginu     Ԙ1.  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OGENDURTRYGGINGAR L$"  I.KAFLI \ 4#  Gildandilgogskilmlarum l!D$ frumtryggingasamninga  "% 1.Yttur (#&  Gildandilg 8$ '  178.gr. H% !(  Gildandilg  X&0") )AWildarrkisemekkierubundinafbeitingureglu h'@#* gerWar(EB)nr.593/2008skulubeitakvWum (#+ YeirrarreglugerWartilaWkvarWahvaWalggjfum ($, vtryggingasamningafellurinnangildissviWs7.gr. (, YeirrarreglugerWar. -   2.Yttur .  LgboWnartryggingar /  179.gr. 0  Tengdarskuldbindingar   1 I1. J SkaWatryggingaflggeta,aWuppfylltumYeim $ 2 skilyrWumsemsetteruframYessarigrein,boWiW  3 framoggertsamningaumlgboWnartryggingar. | T4 2. J EfaWildarrkileggurYskylduaWkaupatrygg  d5 ingu,geturvtryggingarsamningurekkifullngt 8  6 YeirriskuldbindingunemahannsamrmistYeim  7 srtkukvWumsemvarWatryggingunasemmlt h 8 erfyrirumafviWkomandiaWildarrki. < 9 3. 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X  Lftryggingar  h  AWildarrkjunumerekkiheimiltaWsetjareglurYar x! semkrafisterfyrirframsamYykkisviWalmennumog L$" srstkumlftryggingaskilmlum,iWgjaldatxtum, # tknilegumgrunnifyrirtreikningiiWgjldumog  |$ lftryggingaskuldeWaeyWublWumogWrumprent P!(% uWumskjlumsemlftryggingaflagiWhyggstnota !& skiptumsnumviWvtryggingataka,naWumslkt "' stilkynntkerfisbundiW. T#,( X;erheimaaWildarrkinuheimiltaWkrefjast,enein d$< ) gnguYeimtilgangiaWsannreynahvortfariWsaW % * kvWumlandslgumvarWanditryggingafrWilegar %!+ grundvallarreglur,aWtilkynntsreglulegaumhvaWa h&@", tknilegigrundvllursnotaWurviWtreikningiW '"-  gjaldatxtumogtryggingaskuld.Xessarkrfureru '#. Y;ekkiskilyrWifyrir& X  YvaWvtryggingaflaggeti (. stundaWviWskipti.'X( /   5.Yttur 0  UpplUsingarsemveittarskulu 1 vtryggingatkum x2  1.undirYttur 3  SkaWatryggingar  4  183.gr.  5  AlmennarupplUsingarsemveittarskulu  6 vtryggingatkum   d7 11. J WurenskaWatryggingasamningurergerWurskal  t 8 skaWatryggingaflagiWupplUsavtryggingartakaum H 9 eftirfarandi:  : a)0 J Yaulgsemgildaumsamninginn,YarsemaWilar  ; hafaekkival, <JJ b)0 J YstaWreyndaWaWilumerfrjlstaWveljagildandi  = lgogYaulgsemvtryggjandileggurtilaW lD> verWivalin.?JJ VtryggingaflagiWskaleinniggeravtryggingartak (@ anumgreinfyrirtilhgunviWmeWhndlunkvartana A vtryggingartakavarWandisamninga,Y.m.t.eftirYv XB semviW,hvortstofnanirsufyrirhendisemhgt ,C eraWberauppkvartanirviW,nYessaWhafahrif D rttvtryggingartakatilmlareksturs. \E 2. J Skuldbindingarnarsemumgetur1.mgr.skulu lF aWeinsgildaYegarvtryggingartakinnereinstakling @G ur. H 3. J kveWaskaltarlegarreglurtilaWhrindakvW I um1.og2.mgr.framkvmdsamrmiviWlg J gjfaWildarrkisinsYarsemhttanerfyrirhendi. T,K   184.gr. d<L  ViWb;tarupplUsingarefumeraWrWa tLM skaWatryggingarsemeruboWnarsamkvmt  N staWfesturttieWafrelsitilaWveitaYj;nustu  O Z1. J XarsemskaWatryggingareruboWnarsamkvmt  P staWfesturttieWafrelsitilaWveitaYj;nustuskalv !`Q tryggingartakaskUrtfrYv,Wurengengisterundir 4" R skuldbindingu,hvaWaaWildarrkiaWalskrifstofaer "S staWsett,eWatib,eftirYvsemviW,semgengiWer #dT tilsamningaviW. 8$ U UpplUsingarnarsemumgeturfyrstuundirgrein H% !V skulukomaframllumskjlumsemgefineruttil %!W vtryggingartaka. &x"X SkuldbindingarnarsemerulagWarfyrstuogann '#Y arriundirgreingildaekkiumst;rhttu.\(4$Z 2.  0samningieWahverjuWruskjalisemveitirv ( tryggingavernd,samtvtryggingatilboWiYarsem  YaWerbindandifyrirvtryggingartaka,skalheimilis X fangaWalskrifstofutilgreint,eWaeftirYvsemviW, , tibskaWatryggingaflagsinssemveitirvtrygg  ingaverndina. \ AWildarrkingetakrafistYessaWnafnogheimilis l fangfulltraskaWatryggingaflagssemumgetura @  liW2.mgr.148.gr.birtisteinnigskjlunumsemum   geturfyrstuundirgreinYessararmlsgreinar.  p    2.undirYttur     Lftryggingar     185.gr.    UpplUsingarsemveittarskulu   vtryggingatkum  \  1.  WurenlftryggingarsamningurergerWurskal l  upplUsavtryggingatakaa.m.k.umYrupplUsingar @  semsettarerufram2.til4.mgr.   2.  UpplUsaskalumeftirfarandivarWandilftrygg  ingaflagiW:  a)0  heitiflagsinsogrekstrarformaWlgum, b)0  heitiaWildarrkisinsYarsemaWalskrifstofaner  staWsettog,efviW,heititibsinsYarsem tL samningurinnergerWur,  c)0  heimilisfangaWalskrifstofuog,efviW,heititi 0 bsinsYarsemsamningurinnergerWur, d)0  raunverulegavsunskUrsluumgjaldYologfjr  hagslegskilyrWieinsogmlterfyrirum51. p gr.,semveitirvtryggingartakanumaWgangaW D YessumupplUsingumauWveldanhtt. 3.  UpplUsaskalumeftirfarandiaWYvervarWar  skuldbindinguna:  a)0  skilgreiningueinstkumtryggingumogllum   valmguleikum,h@! b)0  samningstma,x P" c)0  uppsagnarskilmla,!`# d)0  greiWslumtaiWgjaldaoggreiWslutma,"p$ e)0  aWferWirviWtreikningogskiptingug;Wahlut #% deildar,T$, & f)0  upplUsingarumendurkaupsverWogverWmti d%JJ 4. J TilviWb;tarskalveitasrstakarupplUsingar ? YeimtilgangiaWtryggjarttanskilninghttusem @ liggurtilgrundvallarsamningnumsemvtryggingar X0A takistofnartil. B 5. J Vtryggingatakiskalltinnvitaumallarbreyt C ingarsemverWasamningstmanumeftirfarandi D upplUsingum: lDE a)0 J tryggingaskilmlum,bWialmennumogsrstk |TF um,(GJJ b)0 J heitilftryggingaflagsins,rekstrarformiYessaW 8H lgumeWaheimilisfangiaWalskrifstofuYessog, I efviW,tibiYarsemsamningurinnergerWur,hJJJ c)0 J allarupplUsingarsemtaldareruuppd-tiljliW xK 3.mgr.efbreytingarverWatryggingaskilmlum L$L eWabreytingarlgumsemgildaumsamning M inn, |NJJ d)0 J rlegaskalveitaupplUsingarumstWug;Wa !O hlutdeildar.`"8PJJ XegarvtryggjanditengslumviWtilboWeWagerWlf p#HQ tryggingarsamningsgefurupptlursemvarWaupp $R hWhugsanlegragreiWslnaumframsamningsbundn $ S argreiWslur,skalvtryggjandiveitavtryggingartaka t%L!T sUnishorntreikningsYarsemhugsanlegurgjalddagi  &!U ersetturframtilaWleggjagrunnaWiWgjaldatreikn &"V ingimeWYrennskonarmismunandivaxtahlutfalli. x'P#W XettaskalekkigildaaWYvervarWartrygginga-og$(#X samningsskilmla.VtryggjandiskalupplUsav ( tryggingartakaskUranogauWskiljanleganhttum  aWsUnishorntreikningsseinungistreikningslkan X byggthuglgumforsendumogaWvtryggingartaki , getiekkilagtframneinarsamningskrfurbyggWar  sUnishornitreiknings. \ SumtryggingaraWrWameWg;Wahlutifrendur l tryggjendumskalvtryggjandinnrlegaupplUsav @  tryggingartakannskriflegaumstWukrfuvtrygg   ingartaka,Y.m.t.umg;Wahlutafrendurtryggjend  p  um.Xegarvtryggjandihefurlagtframtlurum D   mgulegaframtWarYr;ung;Wahlutafrendur    tryggjendumskalvtryggjandinnupplUsavtrygg  t  ingartakannummuninnraunverulegriYr;unog H  upphaflegumggnum.   6.  UpplUsingarnarsemumgetur2.til5.mgr.   skululagWarframskriflegaskUranognkvman   htt,opinberutungumliaWildarrkisinsYarsem \4  gengisterundirskuldbindinguna.   X;erheimiltaWveitaslkarupplUsingarWru   tungumliaWbeiWnivtryggingartakaogeflgaW  ildarrkisinsheimilaYaWeWaefvtryggingartakiget pH urvaliWumlggjf.  7.  AWildarrkiWYarsemgengisterundirskuldbind , ingunageturkrafistYessaWlftryggingaflgleggi  framupplUsingartilviWb;tarviWYrsemtaldareru \ upp2.til5.mgr.,eneingnguefYaWernauWsyn 0 legttilaWvtryggingartakigetiskiliWfullkomlega  helstuYttiskuldbindingarinnar. ` 8.  AWildarrkiWYarsemgengisterundirskuldbind p ingunaskalkveWatarlegarreglurtilaWhrinda D kvWum1.til7.mgr.framkvmd.    186.gr.    Uppsagnarfrestur  ! 1.  HvertaWildarrkiskalkveWaumaWvtrygg  " ingartaki,semgerirsamningumeinstaklingslf # tryggingu,hafi14!30dagafresttilaWfallafrsamn xP$ ingnumfrYvhonumertilkynntumgerWhans. $ % UppsagnartilkynningvtryggingartakannaleysirY 4! & undanhverskynsskuldbindingumsemsWargeta !' leittafsamningnum. "d( RttarhrifogskilyrWiuppsagnarfaraaWWruleyti #t) eftirYeimlgumsemumsamninginngilda,Yar H$ * meWalumhvernhttvtryggingartakaverWitil $ + kynntaWsamningurhafiveriWgerWur. %x!, 2.  AWildarrkjumerheimiltaWbeitaekki1.mgr. &"-  eftirfaranditilvikum: \'4#. a)0 J YegarsamningurergerWur& X  tilsexmnaWaeWa (. skemmritma,'X(/JJ b)0 J YegarvtryggingartakiYarfnastekkiYessararsr 0 stkuverndarvegnastWusinnareWaYeirraaW h1 stWnasemrktuYegarsamningurinnvargerWur.<2JJ EfaWildarrkinotfrirsrYannvalkostsemsetturer L$3 framfyrstuundirgreinskalYaWtilgreinaYstaW 4 reyndlgumsnum.  |5   II.KAFLI  6  kvWisemgildasrstaklegaum  7 skaWatryggingar  p H8 1.Yttur  X 9  AlmennkvWi h :  187.gr. x ;  Tryggingaskilmlar   < *Almennirogsrstakirtryggingaskilmlarskuluekki  = hafaaWgeymaneinskilyrWisemerusettvegnasr lD> stakraaWstWnaeinstkumtilvikumtengslumviW ? Yhttusemtryggtergegn. @   188.gr. A  Afnmeinokunar  B AWildarrkiskulusjtilYessaWeinokunsafnumin, C aWYvervarWarstofnunreksturstiltekinnatrygg xD ingargreinatilhandarekstraraWilummeWstaWfestu L$E yfirrWasvWiYeirraogsemumgetur8.gr. F   189.gr. G  XtttakainnlendumbyrgWarkerfum  H 4GistiaWildarrkigetakrafistYessaWskaWatrygginga (I flgverWiaWilaraWogtakiYttkerfisemertlaW J aWtryggjagreiWslutryggingakrafnatilhandaYeim XK tryggWuogtj;nYolasemerYriWjiaWilimeWsmu ,L skilmlumogviWurkenntskaWatryggingaflag M YeirrasvWi. \N   2.Yttur  lO  SamtryggingarBandalaginu !|P  190.gr. "Q  SamtryggingastarfsemiinnanBandalagsins  #R 1. J XessiYtturgildirumYsamtryggingastarfsemi $ S innanBandalagsinssemtengisteinnieWafleiri %X!T httumflokkum3til16A.hlutaI.viWaukaog ,&"U semuppfyllaeftirfarandiskilyrWi: &"V a)0 J httanerst;rhtta,$'#WJJ $b)0  httanfellurundireinnsamningmeWheildar ( iWgjaldiogfyrirsamatmabilhjtveimureWa  fleirivtryggingaflgum,semhverumsiger X samvtryggjandi,YarafereinnafYeimaWal , vtryggingaflag, c)0  httanerstaWsettBandalaginu, d)0  aWYvervarWartryggingavernderfariWmeW  aWalvtryggingaflagiWlktogYaWvrivtrygg  | ingaflagiWsemgengstundirallahttuna,P ( e)0  aWminnstakostieinnafsamvtryggjendunum ` 8  tekurYttsamningnumgegnumaWalskrifstofu    eWatibsemvarkomiWf;tWruaWildarrki    enYvYarsemaWalvtryggingaflager,d <  f)0  aWalvtryggingaflagiWfylgirtilfullnustuaWal tL  hlutverkisamtryggingumogkveWureinkum    skilmlaogskilyrWitryggingaogtaxta.  2.  kvWi147.til152.gr.eigaeinungisviWum   aWalvtryggingaflag. `  3.  Samtryggingastarfsemisemuppfyllirekkiskil p yrWinsemerusettfram1.mgr.skalframheyra D undirkvWiYessarartilskipunar,aWundanskildum  kvWumYessaYttar. t   191.gr.   XtttakasamtryggingumBandalagsins   O RtturvtryggingaflagatilaWtakaYttsamtrygg  ingumBandalagsinsskalekkiverahWurWrum xP kvWumenYeimsemeruYessumYtti. $   192.gr. 4   Tryggingaskuld  D  FjrhWtryggingaskuldaskalkvrWuWafmismun T, andisamvtryggjendumsamkvmtYeimreglum  semgildaYeirraheimaaWildarrkieWa,sekkium  slkarregluraWrWa,samkvmtviWteknumvenjum X0  Yvrki. ! TryggingaskuldskalY;aWlgmarkiverassamaog  " aWalvtryggjandikveWursamkvmtreglumheima  # aWildarrkissns. l!D$   193.gr. |"T%  TlfrWilegggn  #d& 2 HeimaaWildarrkiskulutryggjaaWsamvtryggjendur $t ' haldiutanumtlfrWilegggnersUnaumfangsam H% !( tryggingarstarfsemiBandalagsinssemYautakaYtt %!)  oghlutaWeigandiaWildarrki. &x"*   & x  194.gr. (*  MeWferWsamtryggingasamningaviW 8+ slitameWferW  ,  Komitil'x( slitavtryggingaflagsverWaskuldbinding - arsemleiWaafYtttkusamtryggingasamningum x. BandalagsinsgerWaruppsamahttogYrsem L$/ eigarturaWrekjatilannarravtryggingasamninga 0 YessflagsburtsWfrYj;WerniYessvtryggWaog  |1 rtthafa. P (2   195.gr. ` 83  UpplUsingaskiptimillieftirlitsyfirvalda  p H4 D EftirlitsyfirvldaWildarrkjunumskulu,aWYver  X 5 varWarframkvmdYessaYttar,veitahvertWruall , 6 arnauWsynlegarupplUsingar,innansamstarfsramm  7 anssemumgetur5.Ytti,IV.kafla,I.blks. \ 8   196.gr. l 9  Samvinnaumframkvmd | :   Framkvmdastj;rninogeftirlitsyfirvldaWildarrkj ; annaskuluhafameWsrniWsamstarfYeimtil `8< gangiaWrannsakavandkvWisemuppgetakomiW  = viWframkvmdYessaYttar. > SemliWurYeirrisamvinnuskalsrstaklegaathuga ? einstkatriWisemgtubenttilYessaWaWalvtrygg tL@ ingaflagiWgegniekkiYvhlutverkisnusemleiW  A andiaWilisamtryggingumeWaaWhttansem B gengisterviWYarfnistekkiYtttkutveggjaeWafleiri xPC vtryggjendatilaWberahana. $D   3.Yttur 4 E  AWstoW DF  197.gr. T,G  StarfsemisemersambrilegviW d<H aWstoWviWferWamenn  I u AWildarrkigetakveWiWumaWstoWtilhandaein  J staklingumsemlendaerfiWleikumannarskonar K aWstWumenumgetur2.mgr.2.gr.semfellur x PL undirYessatilskipun. $!M GrpiaWildarrkitilslkrakvWaskalfariWmeW 4" N slkastarfsemilktoghnvriflokkuW18.flokk "O A.hlutaI.viWauka. #dP nnurmlsgreinskalenganhtthafahrifflokk $t Q unarmguleikanasemmlterfyrirumI.viWauka H% !R vegnastarfsemisemgreinilegatilheyrirWrum %!S  flokkum.&x"T   &   4.Yttur (  VtryggingartengslumviWmlsvarnarkostnaW 8  198.gr. H   GildissviWYessaYttar  X0 ^ 1.  Xessi'(j Ytturskalgildaumtryggingartengslum h@ viWmlsvarnarkostnaWsemumgetur17.flokkiA.   hlutaI.viWaukaensamkvmthonumheitirvtrygg   ingaflag,gegngreiWsluiWgjalds,aWberakostnaW l D vegnamlarekstursogveitaaWraYj;nustusemteng   istbeinttryggingavernd,einkummeWeftirfarandi    huga: p H  a)0  aWtryggjabturvegnaskaWa,tj;nseWaverka  X  semhinntryggWiverWurfyrir,meWuppgjriutan ,  d;mst;laeWaviWmeWferWeinkamlseWasaka   mls,\  b)0  aWverjaeWaverafulltrihinstryggWaeinkaml l  um,sakamlum,stj;rnsUslumlumeWaWrum @  mlarekstri,eWavegnahvaWaannarrarkrfusem   ergerWhendurYeimaWila.p 2.  XessiYtturskalhinsvegarekkigildaumeftir  farandi: T, a)0  mlsvarnarkostnaWarvtrygginguYarsemslk d< tryggingvarWargreiningeWahttusemupper  kominvegna,eWatengslumviW,notkunhaf  skipa,h@ b)0  starfsemivtryggingaflagssemveitireinka xP rttarbyrgWYeimtilgangiaWverjaeWakoma $ framfyrirhndhinstryggWahvaWaranns;kn  eWamlshfWunsemer,Yarsemsstarfsemier |T samatmarekinYguviWkomandivtrygg ( ingaflags, c)0  YarsemaWildarrkikveWursvo,starfsemimls  varnarkostnaWartryggingarflagssemaWstoWar h  vtryggjandibyrgist,oguppfyllireftirfarandi <! skilyrWi:"   i.0  starfseminerrekinWruaWildarrkienYar # semhinnvtryggWihefurfastabsetu, |$   ii.0  starfseminmyndarhlutasamningssemnr !% eingngutilaWstoWarinnarsemveitterein `"8& staklingumsemratavandrWiferWalgum,  #' aWheimaneWaannarsstaWarenYarsemYeir #( eigafastabsetu.d$< ) AWYvervarWarcliWfyrstuundirgreinarskal t%L!* samningnumtilgreintskUranhttaWviWkomandi  &!+ tryggingarverndstakmrkuWviWaWstWursemum &",  geturYeimliWogstilviWb;tarviWaWstoWina. x'P#-   &   199.gr. (-  AWgreindirsamningar  8.  Tryggingarvernd'( tengslumviWmlsvarnarkostnaW H / skalveraviWfangsefnisamnings,semeraWskilinnfr 0 YeimsemerutbnirfyriraWratryggingaflokkaeWa x1 semerumeWhndlaWiraWgreindumhlutastaksv L$2 tryggingarskrteinisYarsemtegundtryggingar 3 tengslumviWmlsvarnarkostnaWertilgreindog;ski  |4 aWildarrkieftirYv,YarsemfjrhWviWeigandiiW P (5 gjaldsertilgreind.  6   200.gr.  7  MeWferWkrafna   8 u" 1. J HeimaaWildarrkiWskalsjtilYessaWvtrygg , 9 ingaflginsamYykki,samrmiviWYannvalkost  : semaWildarrkiWvelur,eWaaWeiginvali,YarsemaW \ ; ildarrkiWsamYykkirsvo,aWlgmarkieinaafaWferW 0 < unumfyrirmeWferWkrafnasemsettarvorufram  = liWum2,3og4. ` > :hWYvhvaWalausnersamYykkt,skalvernda p? hagsmunieinstaklingasemtryggWirerugegnmls D@ varnarkostnaWisambrileganhttYessumYtti. A 2. J VtryggingaflgskulusjtilYessaWekkertaf B starfsf;lkisemkemuraWmeWferWkrafnatengslum C viWmlsvarnarkostnaWeWalgfrWirWgjfreki X0D samatmasambrilegastarfsemiWruflagisem E tengistfjrhagslega,viWskiptalegaeWastj;rnunarlega F fyrstavtryggingaflaginuogniyfireinneWafleiri \4G afWrumvtryggingaflokkumsemsettirerufram H I.viWauka. I SamsettvtryggingaflgskulusjtilYessaWekkert J afstarfsf;lkisemkemuraWmeWferWkrafnatengsl pHK umviWmlsvarnarkostnaWeWalgfrWirWgjfreki L samatmasambrilegastarfsemifyrirannanflokk M semYauannastviWskiptimeW. tLN 3. J VtryggingaflagiWskalfelaflagimeWaWskilda \O lgformlegastWumeWferWkrafnaaWYvervarWar 0P tryggingartengslumviWmlsvarnarkostnaW.KveW Q iWskalumYaWflagaWskildumsamningieWaaW  `R skildumYttisemumgetur199.gr. 4! S XegarflagiWhefuraWskildalgformlegastWu,og D"T tengistvtryggingaflagisemhefureinneWafleiri "U vtryggingaflokkasemumgeturA.hlutaI.viW #tV auka,skalstarfsf;lkflagsinsmeWaWskildalgform H$ W legastWusemkemuraWmeWferWkrafna,eWalg $ X frWirWgjftengslumviWslkameWferW,ekkireka %x!Y smueWasambrilegastarfsemihinuvtrygginga L&$"Z flaginusamatma.AWildarrkingetalagtsmu &"[ krfuraWilastj;rnar,framkvmdastj;rnareWa '|#\ eftirlitsstj;rnar.P(($] 4.  0samningnumskalkveWiWumaWYeirtryggWu ( getifaliWlgfrWingiaWeiginvaliaWverjahagsmuni  snaeWa,aWYvmarkisemlandslgheimila,annan X tilYesshfaneinstakling,frYeirristundsemYeir , tryggWueigakrfusamkvmtYeimsamningi.    201.gr.   FrjlstvallgfrWingi   / 1.  0srhverjumvtryggingarsamningitengslum   viWmlsvarnarkostnaWskalkveWiWskUrtum:   a)0  aWYegarleitaWeraWstoWarlgmannseWaannars    semhfurtelstsamkvmtlandslgumaWverja p H  vtryggWan,rekaerindihanseWagtahagsmuna    viWmlsranns;kneWamlshfWun,skuliv   tryggWumfrjlstaWveljasrlgmanneWaYann tL  mannannansemtelsthfur,   b)0  aWvtryggWumsfrjlstaWveljasrlgmann, 0  eWaefYeir;skieftirYv,annanhfanmann,aW   Yvmarkisemlandslgleyfa,tilYessaWgta `  hagsmunaYeirrahvenrsemhagsmunarekstrar 4  komaupp. 2.  ?LgmaWur erYessumYttihvaWaeinstakling  ursemhefurrtttilaWstundaatvinnustarfsemisam t kvmteinhverjuYeirraheitasemtilgreinderutil H  skipunrWsins77/249/EBEfr22.mars1977umaW  auWveldalgmnnumaWneytarttartilaWveita x Yj;nustu(' #  1      ). L$   202.gr. \4  UndanYgafrreglunnium lD frjlstvallgfrWingi   6 1.  AWildarrkigetaveittundanYgufr1.mgr.201. ( gr.vegnatryggingartengslumviWmlsvarnarkostn  aWaWllumeftirfarandiskilyrWumuppfylltum: X a)0  aWtrygginginstakmrkuWviWtilviksemleiWa h  afnotkunkutkjainnanyfirrWasvWishlutaW <! eigandiaWildarrkis," b)0  aWtryggingintengistsamningiumveitinguaW # stoWarefslysberaWhndumeWabilunkutki  |$ srstaW,P!(% c)0  aWhvorkivtryggingaflagvegnamlsvarnar `"8& kostnaWarnvtryggjandivegnaaWstoWarveita  #' einhverjategundbyrgWartryggingar,#( d)0  aWrWstafanirverWigerWartilaW;hWirlgfrW $ ) ingarogfulltrarsrhversaWilaannistlgfrWi t%L!* legarWgjfvegnagreinings,YarsemYessiraW &!+ ilarerutryggWirvegnamlsvarnarkostnaWaraf (+ samavtryggingaflaginu.,JJ 2. J UndanYgasemveitterskv.1.undirgreinskal - ekkihafahrifbeitingu200.gr. h.   203.gr. x/  GerWard;mur  0 z< AWildarrkiskulukveWaumgerWard;meWaaWrar  1 aWferWirsemveitasambrilegarbyrgWirumhlut l D2 lgnitillausnardeilumlamillivtryggingaflags  3 vegnamlsvarnarkostnaWarogYesstryggWa,ogmeW  4 fyrirvaraumrtttilfrUjunartild;msaWilasem p H5 landslgkveWaum.  6 VtryggingarsamningurinnskalkveWaumrtthins , 7 tryggWatilendurkrfuviWslkamlsmeWferW.  8   204.gr.  9  Hagsmunarekstrar   :  Yannrttsemumgetur1.mgr.201.gr.ogum ? mguleikannendurkrfurttivegnamlsmeWferW d<@ arinnarsemumgetur203.gr. A   205.gr.  B  Afnmkrfuumsrhfingutryggingar 0C tengslumviWmlsvarnarkostnaW D  A AWildarrkiskulufellaniWurllkvWisembanna E vtryggingaflagiaWrekasamtmisvtryggingar pF tengslumviWmlsvarnarkostnaWogaWravtrygg DG ingaflokkainnanYeirrayfirrWasvWis. H   5.Yttur I  Sjkratryggingar J  206.gr.  K  SjkratryggingarsemvalkosturviW 0 L almannatryggingar   M C 1. J AWildarrkjumerheimiltaWkrefjastYess,Yarsem !N samningarsemtryggjagegnhttusamkvmt2. "pO flokkiA.hlutaI.viWaukagetaaWeinhverjueWallu D#P leytikomiWstaWsjkratryggingasemalmanna #Q tryggingakerfinbj;Wa: $t R a)0 J aWYessirsamningarhltisrstkumlagakvW %!S umsemsamYykkteruYvaWildarrkitilaW X&0"T verndaalmennahagsmuniviWkomandivtrygg '"U  ingaflokki,$'#VJJ $b)0  & X  aWhinumalmennuogsrstkuskilyrWumYessar ( arvtryggingarskomiWframfri'X($G viWeftirlits  yfirvldYvaWildarrkiWurenYeireruteknir X notkun., 2.  AWildarrkigetakrafistYessaWsjkratrygginga < kerfiWsemumgetur1.mgr.sstarfrkttkni  legumgrunni,sambrileganhttogviWlftrygg l ingarYarsemuppfyllaYarflleftirfarandiskilyrWi: @  a)0  greiddiWgjlderureiknuWgrundvellisjkra P ( taflnaogannarratlfrWilegragagnaervarWa    aWildarrkiWYarsemhttanerstaWsett,sam    rmiviWstrWfrWilegaraWferWirsemerunotaW T ,  arvtryggingum,   b)0  varasj;WierkomiWuppvegnahkkandialdurs,  c)0  vtryggjandinngetureinungissagtsamningnum    uppinnankveWinstmabilssemerkvarWaWaf   aWildarrkinuYarsemhttanerstaWsett,xP  d)0  samningurinngerirrWfyriraWhkkamegiiW `  gjldeWalkkabtur,jafnvelYegarumeraW 4  rWagildandisamninga, e)0  samningurinnkveWurumaWvtryggingatakar  getibreyttnverandisamninginUjansamning t semersamrmiviWkvWi1.mgr.,semsama H  vtryggingarflag,eWatibbUWurogaWteknu  tillititilunninnarttindaYeirra.x 0YvtilvikisemumgeturfyrstuundirgreineliWar,  skaltakatillittilsj;Wsvegnahkkandialdursog \4 eingnguerheimiltaWgerakrfuumnUjalknis  skoWunYegarumeraWrWaauknatryggingu.  EftirlitsyfirvldhlutaWeigandiaWildarrkisskulubirta  sjkratflurognnurtlfrWilegggnsemskipta pH mli,semumgeturaliWfyrstuundirgreinarog  sendaYautileftirlitsyfirvaldaheimaaWildarrkis.   IWgjldskulufullngjandi,samkvmtskynsamleg ! umtryggingafrWilegumforsendum,svoaWvtrygg \" ingaflggetistaWiWviWallarskuldbindingarsnar 0# meWhliWsj;nafllumYttumfjrhagsstWuYeirra. $ HeimaaWildarrkiWskalkrefjasttknilegsgrund  `% vallarvegnatreikningsiWgjldumsemtilkynna 4! & tileftirlitsyfirvaldaWurentryggingersettmark !' aW. "d( XriWjiogfj;rWiundirliWurskulueinniggildaYegar #t)  nverandisamningumerbreytt. H$ *   &   6.Yttur (*  Atvinnuslysatrygging  8+ 207.gr. H ,  Lgbundinatvinnuslysatrygging  X0- !T AWildarrkjumer'(-T heimiltaWkrefjastYessaWllv h@. tryggingaflgsemeiginbyrgWbj;Walgbundnar  / atvinnuslysatryggingaryfirrWastWumsnumhlti  0 srtkumkvWumlandslgumumslkartrygg l D1 ingar,nemaYegarumeraWrWakvWiervarWa  2 fjrhagslegteftirlit,semereingngubyrgW  3 heimaaWildarrkis. p H4   III.KAFLI  X 5  kvWisemgildasrstaklegaumlftryggingar  h 6 208.gr. x 7  BannviWkrfuumaWflgendurtryggi  8 hlutaafstarfsemisinni  \4 9 W AWildarrkinskuluekkigerakrfuumaWlftrygg lD: ingaflgendurtryggihlutaafstarfsemisinni,skv.3. ; mgr.2.gr.,hjsamtkum,einumeWafleiri,semtil < nefnderusamkvmtlandslgum. pH=   209.gr. X>  IWgjldfyrirnUjastarfsemi  h? VY IWgjldfyrirnUjastarfsemiskulungja,samkvmt x@ skynsamlegutryggingafrWilegumati,tilaWtryggt L$A saWlftryggingaflagiWgetistaWiWviWallarskuld B bindingarsnar,Y.m.t.myndunfullngjandilftrygg |C ingaskuldar. P(D 0YessuskyniskaltakatilgreinafjrhagsstWulf `8E tryggingaflagsinsfrllumhliWum,Y;skalYess  F gttaWteljaekkikerfisbundiWogstWugtmeWaWrar G greiWslureniWgjldogtekjurafYeimYannigaWYaW d<H getistofnaWgjaldYoliflagsinshttutillengritma I litiW. J   IV.KAFLI K  Reglursemgildasrstaklegaumendurtryggingar   L 210.gr. !M  TakmarkaWarendurtryggingar  "N ] 1. J AWildarrkiskulusjtilYessaWvtrygginga-og  $O endurtryggingaflgsemgeratakmarkaWaendur $ P tryggingasamningaeWarekatakmarkaWaendurtrygg d%  SamstWueftirlit:skilgreiningar,dmium  ? beitingu,gildissviWogstig p@  1.Yttur A  Skilgreiningar  B 212.gr. C  Skilgreiningar  D &q 1. J 0Yessumblkigildaeftirfarandiskilgreiningar: E a)0 J ?hluteignarflag :flagsemerannaWhvort F m;WurflageWaannaWflagsemhlutdeild |G WruflagieWaflagsemhefurtengslviWannaW P(H flagskilningi1.mgr.12.gr.tilskipunar83/ I 349/EBE,JJJ b)0 J ?tengtflag :annaWhvortd;tturflageWaannaW K flagsemnnurflgeigahlutdeildeWaflag d<L meWtengslviWannaWflagskilningi1.mgr.12. M gr.tilskipunar83/349/EBE,NJJ c)0 J ?samstWa :fyrirtkjasamstWasem:OJJ  J i.0  eruhluteignarflag,d;tturflgYessogaWil  P arsemhluteignarflagiWeWad;tturflgin !`Q eigahlutdeildogeinnigflgsemtengjast 4" R hvertWrumeWtengslumsemumgetur1. "S mgr.12.gr.tilskipunar83/349/EBEeWa#dT  J ii.0  grundvallaststerkumogsjlfbrumfjr $t U hagslegumtengslummeWsamningieWa H% !V annanhttmeWalYessarafyrirtkjaogget %!W urfaliWsrgagnkvmflgeWaflghliW &x"X  stWrargerWar,aWYvtilskilduaW:$L'$#Y $    !0  & X  eittYessaraflagahafireyndhendisr, ( meWmiWlgrisamrmingu,'X(y rWandihrif  yfirkvrWunum,Y.m.t.fjrhagslegum X kvrWunum,hinnaflagannasemeru , hlutisamstWunnarog     !0  aWstofnunogslitslkratengslaaWYver  varWarYennanblksumeWfyrirvaraum l fyrirframsamYykkieftirlitsaWilasamstWu,@  0  0YarsemflagiWsembeitirmiWlgrisamrm P ( inguskalteljastm;WurflagiWoghinflgin    skuluteljastd;tturflg,   d)0  ?eftirlitsaWilisamstWu :byrgteftirlitsyfirvald    meWeftirlitisamstWu,kvarWaWsamrmiviW d <  247.gr.,  e)0  ?samstarfsh;pureftirlitsaWila :varanlegten    sveigjanlegtskipulagfyrirsamvinnuogsamrm   ingumeWaleftirlitsyfirvaldahlutaWeigandiaW xP  ildarrkis,$  f)0  ?eignarhaldsflagvtryggingasviWi :m;Wur 4  flagsemerekkiblandaWeignarhaldsflagfjr  mlasviWiskilningitilskipunar2002/87/EBog d aWalstarfsemiYesseraWyfirtakaogeigahlut 8 deildd;tturflgum,YarsemYessid;tturflg  erueingngueWaaWallegavtrygginga-eWaend h urtryggingaflg,eWavtrygginga-eWaendur < tryggingaflgYriWjalandi,YarsemaWlg  markieittafslkumd;tturflgumervtrygg l inga-eWaendurtryggingaflag,@ g)0  ?blandaWeignarhaldsflagvtryggingasviWi : P( m;Wurflagsemerekkivtryggingaflag,v  tryggingaflagYriWjalandi,endurtrygginga  flag,endurtryggingaflagYriWjalandi,eignar T, haldsflagvtryggingasviWieWablandaWeign   arhaldsflagfjrmlasviWiskilningitilskip ! unar2002/87/EBYarsema.m.k.eittd;tturflag X0" annaervtryggingaflageWaendurtrygginga # flag.$ 2.  AWYvervarWarYennanblkskulueftirlitsyfir % vldeinnigteljahvaWaflagm;Wurflag,semaW l D& YeirramatibeitirskilvirkanhttrWandihrifum !' yfirWruflagi. !( Xauskulueinnigltaflagsemd;tturflagYarsem ") m;Wurflag,aWmatieftirlitsyfirvalda,beitirreynd #X* rWandihrifum. ,$ + Xauskulueinnigltaeignarhlutdeild,semmeW <%!, beinumeWa;beinumhttibUryfiratkvWisrttieWa %!- hlutafflagi,semhlutdeildYarsemaWmatieftir &l".  litsyfirvaldaerverulegumhrifumbeittreynd. @'#/   &   2.Yttur (/  DmiumbeitinguoggildissviW 80  213.gr. H 1  DmiumbeitingusamstWueftirlits  X02  1. J AWildarrki'( skulu,samrmiviWYennanblk, h@3 kveWaumeftirlitsamstWustigimeWvtrygginga-  4 ogendurtryggingaflgumsemeruhlutisamstWu.  5 kvWiYessarartilskipunarsemmlafyrirumregl  6 urvegnaeftirlitsmeWeinstkumvtrygginga-og | T7 endurtryggingaflgumskulugildaframumslkf ( 8 lg,nemakveWiWssrstaklegaumannaWsam  9 kvmtYessumblki.  X : 2. J AWildarrkiskulusjtilYessaWeftirlitsam h ; stWustigieigiviWeftirfarandi: < < a)0 J umvtrygginga-eWaendurtryggingaflgsem L$ = eruhluteignarflga.m.k.einuvtrygginga  > flagi,endurtryggingaflagi,vtryggingaflagi | ? YriWjalandieWaendurtryggingaflagiYriWja P(@ landi,samrmiviW218.!258.gr.,AJJ b)0 J umvtrygginga-eWaendurtryggingaflgYar  B semm;WurflagiWereignarhaldsflagvtrygg C ingasviWisemhefuraWalskrifstofuBandalaginu, d<D samrmiviW218.!258.gr.,EJJ c)0 J vtrygginga-eWaendurtryggingaflgYarsem  F m;WurflagiWereignarhaldsflagvtrygginga G sviWisemhefuraWalskrifstofuBandalaginueWa xPH vtrygginga-eWaendurtryggingaflagYriWja $I landi,samrmiviW260.!263.gr.,JJJ d)0 J vtrygginga-eWaendurtryggingaflgYarsem K m;WurflagiWereignarhaldsflagvtrygginga dL sviWisemermeWblandaWastarfsemi,samrmi 8M viW265.gr.NJJ 3. J 0Yeimtilvikumsemumgetura-ogbliW2. O mgr.,Yarsemhluteignarflagtrygginga-eWa xP endurtryggingasviWieWaeignarhaldsflagvtrygg L$Q ingasviWisemermeWaWalskrifstofusnaBandalag R inuerfyrirtkitengteftirlitsskyldumaWilaeWa  |S blnduWueignarhaldsflagifjrmlasviWisemfell P!(T urundirviWb;tareftirlitsamrmiviW2.mgr.5.gr. !U tilskipunar2002/87/EB,ereftirlitsaWilasamstWu "V heimilt,aWhfWusamrWiviWnnurhlutaWeigandi T#,W eftirlitsyfirvld,aWkveWaaWviWhafaekkieftirlit $X meWhttusamYjppunstigihluteignarflags $ Y tryggingaflags-eWaendurtryggingasviWieWaeignar X%0!Z haldsflagsfjrmlasviWisemumgetur244.gr. &![ Yessarartilskipunar,eftirlitmeWviWskiptuminnan &"\ samstWusemumgetur245.gr.Yessarartilskip \'4#] unareWahvorutveggja.(#^   214.gr. (  UmfangsamstWueftirlits  8  1.  FramkvmdeftirlitsmeWsamstWusamrmi H  viWkvWi213.gr.gerirekkiYkrfuhendur  eftirlitsyfirvldumaWYautakisthendureftirlit x tengslumviWvtryggingaflagYriWjalandi,endur L$ tryggingaflagYriWjalandi,eignarhaldsflagv  tryggingasviWieWaeignarhaldsflagvtrygginga  | sviWisemermeWblandaWastarfsemi,meWfyrirvara P ( umkvWi257.gr.aWYvervarWareignarhaldsflg    vtryggingasviWi.    2.  EftirlitsaWilisamstWugeturkveWiWhverjutil    vikifyrirsigaWteljaekkiflagmeWsamstWu d <  eftirlitisemumgetur213.gr.Yegar:   a)0  flagiWerstaWsettYriWjalandiYarsemerulaga    legarhmlurflutninginauWsynlegraupplUs   inga,meWfyrirvaraumkvWi229.gr.,xP  b)0  flagiW,semtakabermeW,hefurlitlaYUWingus `  tekiWmiWafmarkmiWumsamstWueftirlitsinseWa4  c)0  ;viWeigandieWavillandivriaWteljaflagiW D meW,m.t.t.markmiWannaumsamstWueftirlit. EfundanskiljamrgflgsmusamstWu,hvert  fyrirsig,skv.bliWfyrstuundirgreinar,verWurY;aW  takaYaumeWefhrifYeirrasamanlagteruekki X0 ;veruleg.  SeftirlitsaWilisamstWuYeirrarskoWunaraWekki  eigiaWtakavtryggingaflageWaendurtrygginga  flagmeWsamstWueftirlitisamkvmtb-eWacliW lD fyrstuundirgreinar,skalhannhafasamrWviWnnur  hlutaWeigandieftirlitsyfirvldWurenkvrWuniner  tekin. pH TakieftirlitsaWilisamstWuekkivtryggingaflag X eWaendurtryggingaflagmeWsamstWueftirliti ,  samkvmtb-eWacliWfyrstuundirgreinar,geta ! eftirlitsyfirvldaWildarrkinuYarsemviWkomandi \" flagerstaWsettbeWiWflagiWsemerforsvarifyrir 0# samstWunaumallarupplUsingarsemgetagreitt $ fyrireftirlitihlutaWeigandivtryggingaflagseWa  `% endurtryggingaflags. 4! &   3.Yttur D"'  Stig  T#,( 215.gr. d$< )  Endanlegtm;WurflaginnanBandalagsins  t%L!*  1.  Xarsemhluteignarflagtrygginga-eWaendur &\"+ tryggingasviWieWaeignarhaldsflagvtrygginga 0'#, sviWisemumgetura-ogbliW2.mgr.213.gr.er '#- sjlftd;tturflagannarsvtrygginga-eWaendur (`$. tryggingaflagseWaannarseignarhaldsflagsv (. tryggingasviWisemhefuraWalskrifstofusna / Bandalaginu,skulu218.!258.gr.einungisgilda X0 gagnvartendanlegum;WurtryggingaflagieWaendur ,1 tryggingaflagieWaeignarhaldsflagivtrygginga 2 sviWisemhefuraWalskrifstofuBandalaginu. \3 2. J Xarsemendanlegtm;WurtryggingaflageWa l4 endurtryggingaflageWaeignarhaldsflagvtrygg @ 5 ingasviWisemermeWaWalskrifstofuBandalaginu,  6 semumgetur1.mgr.,erd;tturflagflagssem  p7 fellurundirviWb;tareftirlitsamrmiviW2.mgr.5. D 8 gr.tilskipunar2002/87/EB,ereftirlitsaWilasamstWu  9 heimilt,aWhfWusamrWiviWnnurhlutaWeigandi  t: eftirlitsyfirvld,aWkveWaaWviWhafaekkieftirlit H ; meWhttusamYjppunstigiendanlegsm;Wur  < tryggingaflagssemumgetur244.gr.,eftirlitmeW x = viWskiptuminnansamstWusemumgetur245.gr. L$ > eWahvorutveggja.  ?   216.gr.  @  Endanlegtm;Wurflaglandsvsu   A ' 1. J Xarsemhluteignarflagvtrygginga-eWa (B endurtryggingasviWieWaeignarhaldsflagvtrygg C ingasviWisemhefuraWalskrifstofuBandalaginu, XD semumgetura-ogbliW2.mgr.213.gr.,hefur ,E ekkiaWalskrifstofusamaaWildarrkiogendanlegt F m;WurflaginnanBandalagsinssemumgetur215. \G gr.getaaWildarrkiheimilaWeftirlitsyfirvldumaW 0H kvarWa,aWhfWusamrWiviWeftirlitsaWilasam I stWuogendanlegtm;WurflaginnanBandalagsins, `J aWnotasamstWueftirlitvegnaendanlegsm;Wur 4 K tryggingaflagseWaendurtryggingaflagseWaeign L arhaldsflagsvtryggingasviWilandsvsu. dM 0slkutilfelliskaleftirlitsyfirvaldtskUrakvrWun tN snagagnvartbWieftirlitsaWilasamstWuogendan H O legum;WurflagiinnanBandalagsins. P kvWum218.!258.gr.skalbeitaaWbreyttubreyt Q anda,meWfyrirvaraumkvWisemsetterufram R 2.!6.mgr. \4S 2. J EftirlitsyfirvaldgeturtakmarkaWsamstWueftirlit l DT endanlegsm;WurflagslandsvsuviWeinneWa !U nokkraYttiII.kafla. !V 3. J XegareftirlitsyfirvaldkveWuraWlta1.Ytt,II. "W kaflagildaumendanlegtm;Wurflaglandsvsu, #XX skalltavalaWferWarinnarsemkvarWandiafeftir ,$ Y litsaWilasamstWusamrmiviW220.gr.aWYver $ Z varWarendanlegtm;Wurflaglandsvsusemum %\![ getur215.gr.ogskalhennibeittafeftirlitsyfirvaldi 0&"\ hlutaWeigandiaWildarrki. &"] 4. J XegareftirlitsyfirvaldkveWuraWlta1.Ytt,II. '#^ kaflagildaumendanlegtm;Wurflaglandsvsuog(p$_ Yarsemendanlegtm;Wurflaglandsvsu,semum ( getur215.gr.,hefurfengiWleyfiinnanBandalags  inssamrmiviW231.gr.eWa5.mgr.233.gr.tilaW X reiknagjaldYolskrfusamstWu,semoggjaldYols , krfuvtrygginga-ogendurtryggingaflagasam  stWunni,grunniinnralkans,skalkvrWunin \ viWurkenndsemkvarWandiogskalbeitahenniaf 0 eftirlitsyfirvaldihlutaWeigandiaWildarrki.  0slkumaWstWum,YarsemeftirlitsyfirvaldiWtelur   httusniWendanlegsm;Wurflagslandsvsuvkja  p  marktktfrsamYykktuinnralkaniinnanBanda D   lagsins,ogsvolengisemYaWflagtekstekkiviW    hyggjureftirlitsyfirvaldsviWeigandihtt,getur  t  YaWeftirlitsyfirvaldkveWiWaWleggjaviWb;targjald H  YolskrfugjaldYolskrfusamstWuYessflagssem   erreiknaWgrunnigildandilkans,eWaundantekn x  ingartilvikum,YarsemslkviWb;targjaldYolskrafa L$  vriekkiviWeigandi,aWkrefjaflagiWumtreikning   gjaldYolskrfusamstWunnargrunnihefWbundinn |  arformlu. P(  EftirlitsyfirvaldskaltskUraslkarkvarWanirbWi `8 gagnvartflaginuogeftirlitsaWilasamstWunnar.   5.  XegareftirlitsyfirvaldkveWuraWlta1.Ytt,II.  kaflagildaumendanlegtm;Wurflaglandsvsu  skalflaginuekkiheimilt,samrmiviWkvWi tL 236.gr.eWa243.gr.aWskjaumleyfitilaWbeita   kvWum238.gr.og239.gr.neittafd;tturflg  umsnum. xP 6.  XegaraWildarrkileyfaeftirlitsyfirvldumsnum ` aWtakaYkvrWunsemumgetur1.mgr.skulu 4  YausjtilYessaWekkishgtaWtakaeWaviWhalda  neinnislkrikvrWunYegarendanlegtm;Wurflag d landsvsuerd;tturflagYessendanlegam;Wur 8  flagsinnanBandalagsinssemumgetur215.gr.og ! hiWsWarahefursamrmiviW237.gr.eWa243.gr. h" hlotiWheimildtilaW238.gr.og239.gr.gildiumYaW <# d;tturflag. $ 7.  Framkvmdastj;rningetursamYykktfram % kvmdarrWstafanirsemtilgreinaviWhvaWakring |& umstWurerhgtaWtakakvrWuninasemumgetur P (' 1.mgr.  ( XessarrWstafanir,semertlaWaWbreytaveigalitl  ") umYttumYessarartilskipunarmeWYvaWaukaviW "* hana,skulusamYykktarsamrmiviWreglunefndar d#<+ meWferWmeWgrannskoWunsemumgetur3.mgr. $, 301.gr. $ -   217.gr. %!.  M;WurflagsemnrtilnokkurraaWildarrkja  &"/ c 1.  XegaraWildarrkileyfaeftirlitsyfirvldumsnum '#0 aWtakaYkvrWunsemumgetur216.gr.eigaYau (p$1 einnigaWleyfaYeimaWkvarWaumgerWsamnings (1 viWeftirlitsyfirvldWrumaWildarrkjumYarsem 2 annaWtengtendanlegtm;Wurflaglandsvsuerfyr X3 irhendi,YvskyniaWframkvmasamstWueftirlit ,4 stigiundirh;pssemnrtilnokkurraaWildarrkja. 5 XegarviWkomandieftirlitsyfirvldhafagertsamning 6 einsogumgeturfyrstuundirgrein,skalekkiviW l7 hafasamstWueftirlitstigineinsendanlegsm;Wur @ 8 flagssemumgetur216.gr.semerWrumaW  9 ildarrkjumenYvaWildarrkiYarsemundirh;purinn  p: semumgeturfyrstuundirgreinYessararmlsgrein D ; arerstaWsettur.  < 2. J kvWi2.!6.mgr.216.gr.gildaaWbreyttu  = breytanda.  > 3. J Framkvmdastj;rningetursamYykktfram  ? kvmdarrWstafanirsemtilgreinaundirhvaWakring h@ @ umstWumerhgtaWtakakvrWuninasemum  A getur1.mgr.  B XessarrWstafanir,semertlaWaWbreytaveigalitl  C umYttumYessarartilskipunarmeWYvaWaukaviW |TD hana,skulusamYykktarsamrmiviWreglunefndar (E meWferWmeWgrannskoWunsemumgetur3.mgr. F 301.gr. XG   II.KAFLI hH  FjrhagsstaWa  xI 1.Yttur J  GjaldYolsamstWu K  1.undirYttur L  AlmennkvWi M  218.gr. N  EftirlitmeWgjaldYolisamstWu  O 3 1. J EftirlitmeWgjaldYolisamstWuskalviWhaft P samrmiviW2.og3.mlsgreinYessarargreinar, Q 246.gr.ogIII.kafla. h@R 2. J 0YvtilvikisemumgeturaliW2.mgr.213.gr. x PS skuluaWildarrkikrefjastYessaWhluteignarflg $!T trygginga-eWaendurtryggingasviWitryggiaWviWur !U kennteigiWfstiltktsamstWunnisemertW |"TV aWlgmarkijafnttreiknaWrigjaldYolskrfusam (#W stWusamrmiviW2.,3.og4.undirYtt. #X 3. J 0YvtilvikisemumgeturbliW2.mgr.213.gr. $ Y skuluaWildarrkikrefjastYessaWtryggingaflgeWa %h!Z endurtryggingaflgsamstWutryggiaWviWurkennt <&"[ eigiWfstiltktsamstWusemertWaWlg &"\ markijafnttreiknaWrigjaldYolskrfusamstWu 'l#] samrmiviW5.undirYtt.@($^ 4.  Krfurnarsemumgetur2.og3.mgr.skulu ( hWarendurskoWuneftirlitsaWilasamstWusam  rmiviWIII.kafla.kvWi136.gr.og1.!4.mgr. X 138.gr.skulugildaaWbreyttubreytanda. , 5.  UmleiWoghluteignarflaghefurgengiWr < skuggaumogupplUsteftirlitsaWilasamstWuumaW  gjaldYolskrafasamstWusekkilenguruppfyllt,eWa l aWhttasaWYaWuppfyllihanaekkinstu @  YremurmnuWumskaleftirlitsaWilisamstWuupp   lUsannureftirlitsyfirvldinnansamstarfsh;pseftir  p  litsaWilasemskuluYgreinastWusamstWunnar. D     219.gr. T ,   TWnitreikninga  d <   1.  EftirlitsaWilisamstWuskalsjtilYessaWt tL  reikningarnirsemumgetur2.og3.mgr.218.gr.    sugerWiraWlgmarkirlega,annaWhvortafhlut   eignarflgumvtryggingar-eWaendurtryggingar xP  sviWieWaafeignarhaldsflagivtryggingasviWi. $  Hluteignarflagvtryggingar-eWaendurtrygging 4  arsviWiskalsendaviWeigandiupplUsingarogniWur  stWurYesstreikningstileftirlitsaWilasamstWu, d eWaYarsemaWalfyrirtkisamstWuerekkivtrygg 8 ingaflageWaendurtryggingaflagskalsendaupp  lUsingarfreignarhaldsflagivtryggingasviWieWa h afflagisamstWusemerauWkenntafeftirlitsaWila < samstWuaWhfWusamrWiviWnnurhlutaWeigandi  eftirlitsyfirvldogsamstWunasjlfa. l 2.  Vtryggingaflag,Y.m.t.endurtryggingaflagog | eignarhaldsflagvtryggingasviWiskulureglulega P( fylgjastmeWgjaldYolskrfusamstWu.Xarsem  httusniWsamstWuvkurumtalsvertfrundirliggj  andiforsendumsWasttilkynntrargjaldYolskrfu T, samstWuskalendurreiknagjaldYolskrfusamstWu   ntafarogtilkynnahanatileftirlitsaWilasamstWu. ! XarsemvsbendingareruumaWhttusniWsam " stWuhafibreystmarktktfrsWasttilkynntridag h@# setningugjaldYolskrfusamstWugetureftirlitsaWili $ samstWukrafistendurtreikningsgjaldYolskrfu % samstWu. l D&   2.undirYttur |!T'  ValtreikningsaWferWogalmennar "d( grundvallarreglur 8#)  220.gr. H$ *  ValaWferW  X%0!+  1.  BtreikningurgjaldYolisamstWuvtrygginga h&@", flaga,Y.m.t.endurtryggingaflagasemumgetur '"-  aliW2.mgr.213.gr.,skalfaraframsamrmiviW '#. tknilegarmeginreglurogeina& X  afaWferWunumsem (. ersettfram221.!233.gr.'X(9  / 2. J AWildarrkiskulusjtilYessaWtreikningur 0 gjaldYolisamstWuvtryggingaflaga,Y.m.t.endur h1 tryggingaflaga,semumgeturaliW2.mgr.213. <2 gr.,fariframsamrmiviW1.aWferWsemmlter 3 fyrirum230.!232.gr. l4 SamtsemWurskuluaWildarrkiheimilaeftirlitsyfir  |5 vldumsnum,YarsemYautakasrhlutverkeftir P (6 litsaWilasamstWuaWYvervarWartilteknasam  7 stWuaWkvarWa,aWhfWusamrWiviWnnurhlut  8 aWeigandieftirlitsyfirvldogsamstWunasjlfa,aW T ,9 beita2.aWferWsamstWunasemermltfyrirum  : 233.gr.og234.gr.,eWasamsetninguaWferWa1og  ; 2Yarsemnotkun1.aWferWareingnguvriekki X0 < viWeigandi.  =   221.gr.  >  HlutfallslegureignarhlutitalinnmeW  $ ?  1. J XegargjaldYolsamstWuerreiknaWskaltekiWtil 4 @ littilhlutfallslegseignarhlutahluteignarflagsins A flgumYvtengdu. dB AWYvervarWarfyrstuundirgreininaskalhlutfalls tC legureignarhlutinyfirannaWafeftirfarandi: H D a)0 J Yarsem1.aWferWernotuW,hlutfllsemerunot X0E uWviWgerWsamstWureikningaeWaFJJ b)0 J Yarsem2.aWferWernotuW,hlutiskrWshlutafjr G sembeinteWa;beint,ervrsluhluteignarflags H ins.lDIJJ EftengdaflagiWerd;tturflagmeW;fullngjandi |TJ viWurkennteigiWftilaWnyfirgjaldYolskrfusna (K verWuraWtakatillittilslks;fullngjandigjaldYols L d;tturflagsinsheild,samahvaWaaWferWerbeitt. XM Teljieftirlitsyfirvldhinnb;ginnaWbyrgWm;W hN urflags,semhlutafflaginu,sskUrtog;tv <O rttbundinviWYaWhlutafgetureftirlitsaWilisam P stWusamtsemWurheimilaWaWhlutfallslegaverWi lQ tekiWtillittil;fullngjandigjaldYolsd;tturflagsins. @ R 2. J EftirlitsaWilisamstWuskalkvarWa,aWhfWu P!(S samrWiviWnnurhlutaWeigandieftirlitsyfirvldog !T samstWunasjlfaaWtakaskulitillittilhlutfallslegs "U eignarhlutaeftirfaranditilvikum: T#,V a)0 J Yarsemenginfjrmagnstengslerumillisumra d$< W flagannasamstWu,% XJJ b)0 J YarsemeftirlitsyfirvaldhefurkvarWaWaW  &!Y eignarhlutdeildatkvWisrttar,meWbeinumeWa &"Z  ;beinumhtti,eWahlutafflagishlutdeild,$x'P#[JJ $Yarsemverulegum& X  hrifumerbeittreyndYv ( flagiaWYessmati,'X(h  c)0  YarsemeftirlitsyfirvaldhefurkvarWaWaWflag  sm;Wurflagannarsflags,YarsemYaW,aW h matieftirlitsyfirvalds,beitirreyndrWandi < hrifumYvflagi.   222.gr.   AfnmtvnotkunarviWurkenndseiginfjr    2 1.  EkkiskalheimilatvnotkunviWurkenndseigin   fjrtilborgunargjaldYolskrfumeWalmismunandi    vtryggingaflaga,Y.m.t.endurtryggingaflaga, p H  Yeimtreikningi.    0YvskyniskalundanskiljaeftirtaldarfjrhWirYeg ,  argjaldYolsamstWuerreiknaWtogekkierkveWiW   umYaWaWferWunumsemlUster4.undirYtti: \  a)0  verWmtisrhverrareignarhluteignarflagsv l  tryggingar-eWaendurtryggingasviWi,semtlaW @  eraWfjrmagnaviWurkennteigiWfmeW,sem   geturveriWhlutiafgjaldYolskrfueinsaftengdu p vtryggingaflgumeWaendurtryggingaflgum D Yess, b)0  verWmtisrhverrareignartengdsvtrygginga  flagseWaendurtryggingaflagshluteignarflags  vtrygginga-eWaendurtryggingasviWi,semtl X0 aWeraWfjrmagnaeigiWfmeW,semgeturveriW  hlutiafgjaldYolskrfueinsaftengdumhluteign  arflgumYessvtrygginga-eWaendurtrygg \4 ingasviWi, c)0  verWmtisrhverrareignartengdsvtrygginga  flagseWaendurtryggingaflagshluteignarflags  trygginga-eWaendurtryggingasviWi,semtlaW pH eraWfjrmagnaeigiWfmeW,semgeturveriW  hlutiafgjaldYolskrfueinsaftengdumvtrygg   ingaflgumeWaendurtryggingaflgumviW tL! hluteignarflagiWvtrygginga-eWaendurtrygg  " ingasviWi.# 2.  MeWfyrirvaraum1.mlsgreinereinungishgt $ aWteljaeftirfarandiatriWimeWtreikningisvofremi  `% semYausutkvegnagjaldYolskrfutengdshlutaW 4! & eigandiflags: !' a)0  umframtekjursemfallaundirkvWi2.mgr.91. "( gr.semverWatiltengdulftrygginga-eWaendur #t) tryggingaflagihluteignarflagsvtrygginga- H$ * eWaendurtryggingasviWisemgjaldYolsamstWu $ + erreiknaWfyrir,%x!, b)0  alltskrW,;innborgaWhlutaftengdsvtrygg &"- ingaflagseWaendurtryggingaflagshjhluteign \'4#. arflaginuvtrygginga-eWaendurtrygginga (#/ sviWisemgjaldYolsamstWuerreiknaWfyrir.($0 EftirfarandiatriWiskuluY;tilokuWfrtreikning (0 num: 1 i.0 J skrW,;innborgaWhlutafsemhugsanlegaskuld 2 bindurhluteignarflagiW,h3JJ ii.0 J skrW,;innborgaWhlutafhluteignarflagsv x4 trygginga-eWaendurtryggingasviWisemhugsan L$5 legaskuldbindurtengtvtryggingaflageWa 6 endurtryggingaflag, |7JJ iii.0 J skrW,;innborgaWhlutaftengdsvtrygginga  8 flagseWaendurtryggingaflags,semhugsanlega ` 89 skuldbindurannaWtengtvtryggingaflageWa  : endurtryggingaflagsamahluteignarflagsv  ; tryggingasviWieWaendurtryggingasviWi.d < <JJ 3. J EfeftirlitsyfirvldteljaaWtiltekiWviWurkennt tL = eigiWf,semgeturveriWhlutiafgjaldYolskrfu   > tengdsvtryggingaflagseWaendurtryggingaflags  ? annarraenYeirrasemumgetur2.mgr.,sekki xP @ raunverulegatilumrWatilaWmtagjaldYolskrfu $ A hluteignarflagsinsvtryggingasviWieWaendur  B tryggingasviWi,semveriWeraWreiknagjaldYolsam |TC stWufyrir,maWeinstakaYettaeiginfmeWviW (D treikninginnaWYvmarkisemYaWgeturfullngt E gjaldYolskrfutengdaflagsins. XF 4. J Samtalaeiginfjr,semumgetur2.og3.mgr., hG mekkiverahrriengjaldYolskrafatengdavtrygg <H ingaflagsinseWaendurtryggingaflagsins. I 5. J EinungisskalteljaviWurkennteiginftengdsv J tryggingaflagseWaendurtryggingaflagshluteignar |K flagsvtryggingasviWieWaendurtryggingasviWi P(L semgjaldYolsamstWuerreiknaWfyrir,semermeW M fyrirvaraumfyrriheimildfreftirlitsyfirvaldisam N rmiviW90.gr.,meWtreikningisvofremiYaW T,O hafiveriWheimilaWviWeigandihttafeftirlitsyfir P valdi,semberbyrgWeftirlitiviWkomanditengds Q flags. X0R   223.gr. h@S  BtilokunfjrmgnunarinnansamstWunnar  xPT  1. J XegargjaldYolsamstWuerreiknaWskalekki  `U takatillittilneinsviWurkenndseiginfjrsemgetur 4! V veriWhlutiafgjaldYolskrfuogfellurtilviWgagn !W kvmafjrmgnunhluteignarflagsvtrygginga "dX sviWieWaendurtryggingaflagsinsogeinhversaf 8#Y eftirfarandi: #Z a)0 J tengdsflags,$ [JJ b)0 J hluteignarflags,&!\JJ c)0 J annarsflagssemertengteinhverjuhluteignar '"] flagaYess.$'#^JJ $2.  ViWtreikninggjaldYolssamstWuskalekkitek ( iWtillittilneinsviWurkenndseiginfjrsemgeturver  iWhlutiafgjaldYolskrfutengdsvtryggingaflags X eWaendurtryggingaflagssemertengthluteignar , flaginuvtrygginga-eWaendurtryggingasviWi,  semaWlagaWgjaldYolerreiknaWfyrir,YegarviWkom \ andieigiWfverWurtilviWgagnkvmafjrmgnun 0 meWWrutengduflagiYesshluteignarflagsv  trygginga-eWaendurtryggingasviWi.  ` 3.  AWlgmarkitelstumgagnkvmafjrmgnunaW  p  rWaYegarvtryggingaflageWaendurtrygginga D   flag,eWaeitthvertflagYvtengt,hlutabrfeWa    veitirlntilannarsflagssem,beinteWa;beint,rW  t  uryfirviWurkenndueiginfsemgeturveriWhlutiaf H  gjaldYolskrfufyrstnefndaflagsins.     224.gr.    Mat     VirWieignaogskuldaskalmetiWsamrmiviW $  kvWi75.gr.     3.undirYttur   BeitingtreikningsaWferWa   225.gr.   Tengdvtryggingaflg,Y.m.t.  endurtryggingaflg   } XegarvtryggingaflageWaendurtryggingaflager  tengtfleirieneinuvtryggingaflagieWaendurtrygg xP ingaflagi,skalreiknagjaldYolsamstWumeWhliW $ sj;nafhverjuogeinuYessaratengduvtrygginga  flagaeWaendurtryggingaflaga. |T HafitengtvtryggingaflageWatengtendurtrygg d ingaflagaWalskrifstofuWruaWildarrkienv 8 tryggingaflagiWeWaendurtryggingaflagiW,sem  veriWeraWreiknagjaldYolsamstWufyrir,getaaW h  ildarrkinkveWiWumaWviWtreikninginns,aW <! YvervarWartengdaflagiW,tekiWtillittilgjaldYols " krfuYessogviWurkenndseiginfjrtilaWuppfylla l# YkrfusemmlterfyrirumviWkomandiaWildar @ $ rki.  %   226.gr. !&  EignarhaldsflgvtryggingasviWi  #' semerumilliliWir  #(  1.  ViWtreikninggjaldYolisamstWuvtrygginga $ ) flagseWaendurtryggingaflags,semhlutdeild t%L!* tengduvtryggingaflagi,tengduendurtrygginga  &!+ flagi,vtryggingaflagiYriWjalandseWaendur &",  tryggingaflagiYriWjalands,gegnumeignarhalds x'P#- flagvtryggingasviWi,ertekiWtillit& X  tilstWueign (- arhaldsflagsinsvtryggingasviWi.'X(  . EingnguaWYvervarWarYennantreikningskal / fariWmeWeignarhaldsflagiWvtryggingasviWisem h0 ermilliliWureinsogYaWvrivtryggingaflageWa <1 endurtryggingaflagsemfellurundirreglurnarsem 2 mlterfyrirum1.,2.og3.undirliW4.YttarVI. l3 kaflaI.blksaWYvervarWargjaldYolskrfunaog @ 4 semfellurundirsmuskilyrWiogmlterfyrirum  5 1.,2.og3.undirYtti3.YttarVI.kaflaI.blksaW  p6 YvervarWarviWurkennteiginffyrirgjaldYolskrf D 7 una.  8 2. J 0tilvikumYarsemeignarhaldsflagvtrygg  9 ingasviWisemermilliliWurhefurvkjandiskuldir  : undirhndumeWaannaWviWurkennteigiWfsem X0 ; fellurundirtakmrkunsamrmiviWkvWi98.gr.  < skalYaWfrtsemviWurkennteigiWfuppaWtreikn  = uWumfjrhWummeWbeitinguframsettratakmark \4 > ana98.gr.aWheildartlutistandandiviWurkennds  ? eiginfjrsamstWustigi,samanburWiviWgjald  @ YolskrfunasamstWustigi. `8A EinungismteljaviWurkennteiginfeignarhalds pHB flagsvtryggingasviWisemermilliliWur,sem C myndikrefjastfyrirframleyfisfreftirlitsyfirvaldi D samrmiviW90.gr.efYaWvrivrsluvtrygg tLE ingaflagseWaendurtryggingaflags,meWtreikn  F ingigjaldYolssamstWuaWsvomikluleytisemYaW G erheimilaWafeftirlitsaWilasamstWu. xPH   227.gr. `I  Tengdvtryggingaflg,Y.m.t. pJ endurtryggingaflg,YriWjalands  DK  1. J ViWtreikninggjaldYolssamstWuvtrygginga- T,L eWaendurtryggingaflagssemerhluteignarflag M vtrygginga-eWaendurtryggingasviWiYriWjalandi, N samrmiviWkvWi233.gr.,skalfariWmeWsWar X0O nefndaflagiW,einungisaWYvervarWartreikning P inn,hliWstWanhttogtengtvtryggingaflageWa Q tengtendurtryggingaflag. \4R SYesshinsvegarkrafistYriWjalandi,Yarsem l DS YettaflaghefuraWalskrifstofu,aWYaWhafistarfs !T leyfi,aukYesssemgjaldYolsreglurgildaumYaWsem !U erua.m.k.sambrilegarviWYrsemmlterfyrir p"HV umVI.kaflaI.blks,getaaWildarrkinkveWiWum #W aWtreikningnumstekiWtillittilkrfunnarum #X gjaldYologviWurkennteigiWfsemfullngirYeirri t$L Y krfueinsogmlterfyrirumafviWkomandiYriWja  % Z landi,aWYvervarWarYaWflag. %![ 2. J EftirlitsaWilisamstWuskalframkvmasann &"\ pr;funjafngildiregluumYriWjulndaWbeiWni '`#] hluteignarflagseWaaWeiginfrumkvWi.4( $^ EftirlitsaWilisamstWuskalhafasamrWviWnnur ( hlutaWeigandieftirlitsyfirvldogsamstarfsnefndevr  ;pskravtrygginga-oglfeyrissj;WaeftirlitaWuren X kvrWunumjafngildiertekin. , 3.  Framkvmdastj;rningetursamYykktfram < kvmdarrWstafanirsemtilgreinaviWmiWvegnamats  jafngildigjaldYolsreglnaYriWjalandsviWYaWsem l mltvarfyrirumVI.kafla,I.blks. @  XessarrWstafanir,semertlaWaWbreytaveigalitl P ( umYttumYessarartilskipunarmeWYvaWaukaviW    hana,skulusamYykktarsamrmiviWreglunefndar    meWferWmeWgrannskoWunsemumgetur3.mgr. T ,  301.gr.    4.  Framkvmdastj;rningetur,aWhfWusamrWiviW   nefndevr;pskraeftirlitsaWilameWvtryggingumog   starfstengdumlfeyrissj;WumogsamrmiviW h@  reglunefndarmeWferWsemumgetur2.mgr.301.gr.   ogmeWtillititilsamYykktraviWmiWanasamrmi   viW3.mgr.Yessarargreinar,kveWiWhvortgjaldYols lD  reglurYriWjalandisujafngildarYeimsemmlt   varfyrirumVI.kafla,I.blks.  XessarkvarWanirskalendurskoWareglulegameW  tillititilbreytingagjaldYolsreglumsemmltvar X fyrirumVI.kaflaI.blksoggjaldYolsreglnaYriWja , lands.  5.  kvWi2.mlsgreinareigaekkiviWYegarfram  kvmdastj;rninsamYykkirkvrWunumjafngildi l gjaldYolsreglnaYriWjalandssamrmiviWkvWi4. @ mlsgreinar.  XegarsamYykktkvrWunarframkvmdastj;rnar  innarsamrmiviW4.mgr.leiWirtilYessaWgjald  YolsreglurYriWjalandssuekkijafngildar,skalval T, kosturinnsemumgeturannarriundirgrein1.mgr.   umaWtakatillittilgjaldYolskrfunnarogviWur ! kenndseiginfjreinsoghlutaWeigandiYriWjaland X0" mltifyrirum,ekkigildaogskalfariWmeWvtrygg # inga-eWaendurtryggingaflagYriWjalandseinungis $ samrmiviWfyrstuundirmlsgrein1.mgr. \4%   228.gr. l D&  Tengdarlnastofnanir,fjrfestingarfyrirtki |!T' ogfjrmlastofnanir  ("( - ViWtreikninggjaldYolssamstWuvtrygginga-eWa 8#) endurtryggingaflagssemerhluteignarflaglna #* stofnun,fjrfestingarfyrirtkieWafjrmlastofnun $h + skuluaWildarrkiheimilasnumhluteignarflgum <%!, vtrygginga-eWaendurtryggingasviWiaWbeitaaW %!- ferWum1eWa2semsettareruframI.viWaukaviW &l". tilskipun2002/87/EBaWbreyttubreytanda.Einungis @'#/ mbeitaaWferW1semsetterframYeimviWaukaef '#0 eftirlitsaWilisamstWuhefurfullavissufyrirYvaW (p$1 hvemikluleytistj;rnunersamYttoginnraeftirlit (1 viWhaftaWYvervarWareiningarsemaWtakameW 2 samstWureikningsskilunum.JafnanskalbeitaaW X3 ferWinni,semvaliner,samrmdanhtt. ,4 AWildarrkinskulusamtsemWurheimilaeftirlits <5 yfirvldumsnum,YarsemYautakaaWsrhlutverk 6 eftirlitsaWilasamstWuaWYvervarWartilteknasam l7 stWu,aWkvarWa,aWbeiWnihluteignarflagseWaaW @ 8 YeirrafrumkvWiaWdragahlutdeildsemumgetur  9 fyrstumlsgreinfrviWurkenndueiginfgjaldYols  p: samstWuhluteignarflags. D ;   229.gr. T ,<  FistnauWsynlegarupplUsingarekki d < =  k4 HafihlutaWeigandieftirlitsyfirvldekkiaWgangaW tL > upplUsingum,semerunauWsynlegartilaWreikna   ? gjaldYolsamstWufyrirvtryggingaflageWaendur  @ tryggingaflagervarWatengtflagmeWaWalskrif xP A stofuaWildarrkieWaYriWjalandi,skaldragab;k $ B frtvirWiYessflagshluteignarflaginuvtrygg  C ingasviWieWaendurtryggingasviWifrviWurkenndu |TD eiginfsemgeturveriWhlutiafgjaldYolisamstWu. (E XegarsvoberundirerekkihgtaWfradulinn 8F hagnaWafslkrihlutdeildsemviWurkennteigiWf G vegnagjaldYolssamstWu. hH   4.undirYttur xI  BtreikningsaWferWir J  230.gr. K  AWferW1(NotuWflestumtilfellum):AWferW L byggWsamstWureikningsskilum  |TM Q8 1. J SamstWugjaldYolhluteignarflagsvtrygg dN ingasviWieWaendurtryggingasviWiskalreiknaW 8O grundvellisamstWureikninga. P SamstWugjaldYolhluteignarflagsvtrygginga Q sviWieWaendurtryggingasviWiermismunurinn xR eftirfarandi: L$S a)0 J viWurkenndueiginfsemnryfirgjaldYolskrf \ 4T una,reiknuWutgrunnisamstWugagna,!UJJ b)0 J gjaldYolskrfusamstWustigs,reiknaWrit "V grunnisamstWugagna."WJJ Reglurnarsemmlterfyrirum1.,2.og3.undir #X Ytti3.YttarVI.kaflaI.blksog1.,2.og3. $X Y undirYtti4.YttarVI.kaflaI.blksskulugildafyr ,%!Z irtreikningviWurkenndseiginfjrvegnagjaldYols %![ krfuoggjaldYolskrfusamstWustigsgrundvelli &\"\ samstWugagna. 0'#] 2. J TiltreikningsgjaldYolskrfusamstWustigs@($^ sembyggirsamstWuggnum(gjaldYolskrafasam ( stWu)skalannaWhvortbyggjagrunnistaWlaWrar  reiknireglueWasamYykktsinnralkans,samrmd X anhttviWmeginreglusemerinnifalin1.og2. , undirYtti4.YttarVI.kaflaI.blksog1.og3.  undirYtti4.YttarVI.kaflaI.blks,eftirYvsem \ viW. 0 GjaldYolskrafasamstWuskalaWlgmarkivera @  summaeftirfarandi:   a)0  lgmarkskrfuumeigiWfhluteignarflagsv    tryggingasviWieWaendurtryggingasviWisemum    getur129.gr.,T ,  b)0  hlutfallslegseignarhlutalgmarkskrfunnarum d <  eigiWftengduvtryggingaflgunum,Y.m.t.   endurtryggingaflgunum.  XettalgmarkfellurundirviWurkenndaneiginfjr   grunnsamrmiviWkvWi4.mgr.98.gr. xP  TilaWkvarWahvortslktviWurkennteigiWfshft `  tilaWnyfirlgmarksgjaldYolskrfusamstWuskulu 4  meginreglurnarsemsettarerufram221.!229.gr.  gildaaWbreyttubreytanda.kvWi1.og2.mgr. d 139.gr.gildaaWbreyttubreytanda. 8   231.gr. H   InnralkansamstWu  X0 xD 1.  Leggivtryggingaflg,Y.m.t.endurtrygginga h@ flgogflgtengdYeimframums;knumheimild  tilaWreiknatgjaldYolskrfusamstWu,semog  gjaldYolskrfuvtryggingaflaga,Y.m.t.endurtrygg lD ingaflagasamstWu,grunniinnralkans,eWaef  ums;knerlgWframsameiginlegaaftengdumflg  umeignarhaldsflagsvtryggingasviWi,skuluhlut pH aWeigandieftirlitsyfirvldvinnasamantilaWkveWa  hvortveitaeigiYheimildogtilaWkvarWaskilmla   ogskilyrWi,efeinhvereru,semslkheimilderveitt tL! meWfyrirvaraum.  " Leggjaskalframums;kn,einsogumgeturfyrstu 0# undirgrein,tileftirlitsaWilasamstWu. $ EftirlitsaWilisamstWuskalntafarupplUsannur  % hlutaWeigandieftirlitsyfirvld. !p& 2.  HlutaWeigandieftirlitsyfirvldskulugeraalltsem "' YeirravaldistendurtilaWkomastaWsameiginlegri T#,( niWurstWuumums;kninainnansexmnaWafrviW $) tkudegifullgerWrarums;knartileftirlitsaWilasam $ * stWu. X%0!+ EftirlitsaWilisamstWuskalntafarframsendafull h&@", gerWuums;kninatilannarrahlutaWeigandieftirlits '"- yfirvalda. '#. 3. J tmabilinusemumgetur2.mgr.getaeftir (. litsaWilisamstWuogeinhverhinnahlutaWeigandi / eftirlitsyfirvaldahaftsamrWviWsamstarfsnefnd X0 evr;pskravtrygginga-oglfeyrissj;Waeftirlita ,1 (CEIOPS).EinnigskalsamrWhaftviWsamstarfs 2 nefndevr;pskravtrygginga-oglfeyrissj;Waeftirlita \3 farihluteignarflagiWframYaW. 04 SsamrWhaftviWsamstarfsnefndevr;pskrav @ 5 trygginga-oglfeyrissj;WaeftirlitaskalupplUsall  6 hlutaWeigandieftirlitsyfirvldYarumogtmabiliW  p7 semumgetur2.mgr.skalframlengtumtvomn D 8 uWi.  9 4. J SsamrWekkihaftviWsamstarfsnefndevr;pskra  : vtrygginga-oglfeyrissj;WaeftirlitasamrmiviW  ; kvWifyrstuundirgreinar3.mgr.ogsekkium X0 < sameiginlegakvrWunhlutaWeigandieftirlitsyfir  = valdaaWrWainnansexmnaWafrviWtkudegi  > fullgerWrarums;knartileftirlitsaWilasamstWu,skal \4 ? eftirlitsaWilisamstWufaraframYaWviWsamstarfs  @ nefndevr;pskravtrygginga-oglfeyrissj;Waeftir  A lita,innantveggjamnaWatilviWb;tar,aWllum `8B hlutaWeigandieftirlitsyfirvldumsveittrWgjf.  C EftirlitsaWilisamstWuskalsWastalagitaka D kvrWunYremurvikumeftirsendinguYeirrarrW d<E gjafarogtakafullttillittilhennar. F 5. J XrttfyriraWsamrWhafiveriWhaftviWsam  G starfsnefndevr;pskravtrygginga-oglfeyrissj;Wa H eftirlitaskalkvrWuneftirlitsaWilasamstWutil xPI greinaallarstWurogtakatillittillitaannarra $J hlutaWeigandieftirlitsyfirvalda. K EftirlitsaWilisamstWuskalveitaumskjandaog L WrumhlutaWeigandieftirlitsyfirvldumupplUsingar dM umkvrWunina. 8N HlutaWeigandieftirlitsyfirvldskulufaraaWkvrW H O uninni. P 6. J EfekkierkomistaWsameiginlegriniWurstWu Q Yeimtmabilumsemsetterufram2.og3.mgr. R eftirYvsemviW,skaleftirlitsaWilisamstWutaka \4S eiginkvrWunvarWandiums;knina.  T EftirlitsaWilisamstWuskalviWeigandihttviW !U kvarWanatkusnatakatillittileftirfarandi: !V a)0 J skoWanaogfyrirvaraannarrahlutaWeigandieftir "W litsyfirvaldasemYauhafaltiWlj;sgildandi #XX tmabili,,$ YJJ b)0 J rWleggingasamstarfsnefndarevr;pskravtrygg <%!Z inga-oglfeyrissj;Waeftirlita,hafisamrWveriW %![ haftviWhana.&l"\JJ 0kvrWuninniskuluallarstWurtilgreindaroghn '|#] skalinnihaldatskUringusrhverjuumtalsverWuP(($^ frvikifrsamYykktriafstWusamstarfsnefndarevr ( ;pskravtrygginga-oglfeyrissj;Waeftirlita.  EftirlitsaWilisamstWuskalsendakvrWuninatil  umskjandansogannarrahlutaWeigandieftirlitsyfir h valda. < SkvrWunskalviWurkenndsemkvarWandiog L$ skuluhlutaWeigandieftirlitsyfirvldbeitahenni.  7.  XegareinhverafhlutaWeigandieftirlitsyfirvldum   telurhttusniWvtrygginga-eWaendurtrygginga   flagsundirsnueftirlitivkjamarktktfrundir ` 8  liggjandiforsendumsamYykktsinnralkanssam    stWustigi,ogsvofremisemYaWflaghefurekki    fjallaWumhyggjuefnieftirlitsyfirvaldatilhlUWileg d <  anhtt,geturyfirvaldiW,samrmiviW37.gr.lagt   viWb;targjaldYolskrfugjaldYolskrfuYessv   trygginga-eWaendurtryggingaflagssembeitirslku h@  innralkaniviWtreikninghennar.   0undantekningartilvikum,YarsemslkviWb;tar $  gjaldYolskrafavriekkiviWeigandigetureftirlits   yfirvaldiWkrafiWhlutaWeigandiflagumtreikning |T gjaldYolskrfusinnigrunnistaWalformlusem ( umgetur1.og2.undirYtti4.YttarVI.kaflaI.  blks.0samrmiviWa-ogcliW1.mgr.37.gr.getur X eftirlitsyfirvaldiWlagtviWb;targjaldYolskrfugjald , YolskrfuYessvtrygginga-eWaendurtrygginga  flagssemleiWirafbeitingustaWalformlunnar. \ EftirlitsyfirvaldiWskaltskUrahvaWakvrWunsem l umgeturfyrstuogannarriundirgreingagnvart @ bWivtrygginga-eWaendurtryggingaflaginuog  eftirlitsaWilasamstWu. p   232.gr.   ViWb;targjaldYolskrafasamstWu   b ViWkvrWunYesshvortsamsteyptgjaldYolskrafa   samstWuendurspeglihttusniWsamstWuviW tL! eigandihttskaleftirlitsaWilisamstWuveitasrstak  " angaumsrhverjutilvikiYarsemaWstWursemum # getura-tilcliW1.mgr.37.gr.getakomiWfram xP$ samstWustigi,einkumYarsem: $ % a)0  srstkhttasemerfyrirhendisamstWustigi 4! & fellurekkingjanlegaaWstaWalformlueWa !' innralkanisemnotaWer,YarsemerfitteraW "d( metahana,8#) b)0  viWb;targjaldYolskrafaerlgWviWgjaldYolskrfu H$ * tengdravtrygginga-eWaendurtryggingaflagaaf $ + hlutaWeigandieftirlitsyfirvldum,samrmiviW %x!, 37.gr.og7.mgr.231.gr.L&$"- XarsemhttusniWsamstWuendurspeglastekki \'4#. ngilegaerleyfilegtaWleggjaviWb;targjaldYols (#/ krfusamsteyptagjaldYolskrfusamstWu. ($0 BeitaskalkvWum1.!5.mgr.37.gr.samtfram (0 kvmdarrWstfunumsemgripiWhefurveriWtil 1 samrmiviW6.mgr.37.gr.aWbreyttubreytanda. X2   233.gr. h3  AWferW2(frviksaWferW):Frdrttar-og x4 samlagningaraWferW  L$5 Ti 1. J SamstWugjaldYolhluteignarflagsvtrygg \ 46 ingasviWieWaendurtryggingasviWiaWveramismun  7 urinneftirfarandi:  8 a)0 J uppsfnuWuviWurkenndueiginfsamstWu,lkt  9 ogkveWiWerum2.mgr.,p H:JJ b)0 J virWihlutdeildarflagavtrygginga-eWaendur  X ; tryggingasviWitengduvtryggingar-eWaendur , < tryggingaflagioguppsafnaWrigjaldYolskrfu  = samstWu,lktogkveWiWerum3.mgr.\ >JJ 2. J UppsafnaWviWurkennteigiWfsamstWuer l ? summaeftirfarandi: @ @ a)0 J ngilegsviWurkenndseiginfjrvegnagjaldYols P(A krfuhluteignarflagsvtryggingasviWieWa B endurtryggingasviWi,CJJ b)0 J hlutfallslegseignarhlutahluteignarflagsv D tryggingasviWieWaendurtryggingasviWiviWur d<E kenndueiginfvegnagjaldYolskrfutengdrav F trygginga-eWaendurtryggingaflaga.GJJ 3. J UppsfnuWgjaldYolskrafasamstWuersumma H eftirfarandi: xPI a)0 J gjaldYolskrfuhluteignarflagsvtrygginga `J sviWieWaendurtryggingasviWi,4 KJJ b)0 J hlutfallslegseignarhlutagjaldYolskrfutengdu DL vtrygginga-eWaendurtryggingaflaganna.MJJ 4. J EfhlutdeildtengduvtryggingaflagieWa N tengduendurtryggingaflagifelst,algjrlegaeWaaW O hlutatil,;beinueignarhaldiskalteljavirWihlut X0P deildarflagsvtrygginga-eWaendurtryggingasviWi Q tengdumvtrygginga-eWaendurtryggingaflgum R meWvirWislks;beinseignarhalds,aWteknutilliti \ 4S tilviWkomandiraWtengdrahagsmuna,ogliWirsem !T umgeturbliW2.mgr.ogbliW3.mgr.skuluinni !U haldasamsvarandihlutfallsleganeignarhluta,eftir `"8V YvsemviWvegnaviWurkenndseiginfjrfyrir  #W gjaldYolskrfutengdravtrygginga-eWaendurtrygg #X ingaflagaogvegnagjaldYolskrfutengdravtrygg d$< Y inga-eWaendurtryggingaflaga. % Z 5. J Leggivtryggingaflg,Y.m.t.endurtrygginga  &![ flg,framums;knumheimildtilaWreiknat &"\ gjaldYolskrfuvtryggingaflaga,Y.m.t.endurtrygg x'P#] ingaflg,samstWugrunniinnralkanssemvar$(#^ lagtframafvtrygginga-eWaendurtryggingaflagi ( ogtengdumflgum,eWaums;knerlgWframsam  eiginlegaaftengdumflgumeignarhaldsflags X vtryggingasviWi,skulukvWi231.gr.gildaaW , breyttubreytanda.  6.  ViWkvrWunYesshvortuppsfnuWgjaldYols  krafasamstWu,reiknuWteinsogsetterfram l YriWjumlsgrein,endurspeglihttusniWsamstW @  unnarviWeigandihtt,skuluhlutaWeigandieftirlits   yfirvldgefaYvsrstakangaumhvortsrstk  p  httasfyrirhendisamstWustigisemekkier D   nWfullkomlegafyrir,YarsemerfitteraWmetahana.    XarsemhttusniWsamstWuvkurumtalsvertfr    undirliggjandiforsendumuppsafnaWrargjaldYols   krfusamstWu,erheimiltaWleggjaviWb;targjald X0  YolskrfugjaldYolskrfuna.   BeitaskalkvWum1.!5.mgr.37.gr.samtfram   kvmdarrWstfunumsemgripiWhefurveriWtil   samrmiviW6.mgr.37.gr.aWbreyttubreytanda. lD    234.gr. |T  FramkvmdarrWstafanir  d { Framkvmdastj;rninskalsamYykkjaframkvmdar t rWstafanirsemtilgreinatknilegarmeginreglurog H  aWferWirsemerusettarfram220.!229.gr.ogbeit  ingukvWa230.!233.gr.tilaWtryggjasamrmda x beitinguinnanBandalagsins. L$ XessarrWstafanir,semertlaWaWbreytaveigalitl \4 umYttumYessarartilskipunarmeWYvaWaukaviW  hana,skulusamYykktarsamrmiviWreglunefndar  meWferWmeWgrannskoWunsemumgetur3.mgr. `8 301.gr.     5.undirYttur   EftirlitmeWgjaldYolisamstWnahj ,  vtryggingaflgum,Y.m.t. ! endurtryggingaflgum,semerud;tturflg \" eignarhaldsflagsvtryggingasviWi 0#  235.gr. @ $  SamstWugjaldYoleignarhaldsflags P!(% vtryggingasviWi  !&  Xegarvtryggingaflg,Y.m.t.endurtryggingaflg,  #' erud;tturflgeignarhaldsflagsvtryggingasviWi #( skaleftirlitsaWilisamstWusjtilYessaWtreikning d$< ) urgjaldYolssamstWusframkvmdurstigieign % * arhaldsflagsinsvtryggingasviWimeWbeitingu %!+ kvWa2.mgr.220.gr.og233.gr. h&@", AWYvervarWarYennantreikningskalfariWmeW x'P#- m;WurflagiWsemvtrygginga-eWaendurtrygginga $(#. flagsemfellurundirreglurnarsemmlterfyrirum (. 1.,2.og3.undirYtti4.YttarVI.kaflaI.blksaW / YvervarWargjaldYolskrfunaogsemfellurundir X0 smuskilyrWiogmltvarfyrirum1.,2.og3. ,1 undirYtti3.YttarVI.kaflaI.blksaWYvervarWar 2 viWurkennteigiWffyrirgjaldYolskrfuna. \3   6.undirYttur l4  EftirlitmeWgjaldYolisamstWnahj  |5 samstWummeWmiWlgahttustj;rnun P (6  236.gr. ` 87  D;tturflgvtrygginga-eWa p H8 endurtryggingaflags:skilyrWi  9  5 AWildarrkinskulukveWaumaWreglurnarsem , : mlterfyrirum238.gr.og239.gr.skulugilda  ; varWandihvaWavtrygginga-eWaendurtrygginga \ < flagsemer,sYaWd;tturflagvtrygginga-eWa 0 = endurtryggingaflagsYarsemlleftirfarandiskilyrWi  > eruuppfyllt: ` ? a)0 J d;tturflagiW,semeftirlitsaWilisamstWuhefur p@ ekkitekiWkvrWunfyrirsamkvmt2.mgr.214. DA gr.,erinnifaliWsamstWueftirlitisemerfram B kvmtafeftirlitsaWilasamstWustigim;Wur tC flagsinssamrmiviWYennanblk,H DJJ b)0 J ferliviWhttustj;rnunoginnrieftirlitskerfi X0E m;Wurflagsinsnyfird;tturflagiWogeftirlits F yfirvldviWurkennaaWm;WurflagiWviWhafivar G frnastj;rnund;tturflags,\4HJJ c)0 J m;WurflagiWhefurm;ttekiWsamkomulagiWsem lDI umgeturYriWjuundirgrein4.mgr.246.gr.,JJJ d)0 J m;WurflagiWhefurm;ttekiWsamkomulagiWsem (K umgetur2.mgr.256.gr.,LJJ e)0 J m;WurflagiWhefursentums;knumheimildtil M aWfallaundirkvWi238.og239.gr.oghagstW hN kvrWunhefurveriWtekinumslkaums;kn <O samrmiviWmlsmeWferWinasemsetterfram P 237.gr.lQJJ   237.gr.  |R  D;tturflgvtrygginga-eWa !S endurtryggingaflags:kvrWunums;knar `"8T  ҍ 1. J XegarumeraWrWaums;knirumheimildtilaW p#HU heyraundirreglurnarsemkveWiWerum238.og $V 239.gr.skuluhlutaWeigandieftirlitsyfirvldvinna $ W samaninnansamstarfsh;pseftirlitsaWilafullusam t%L!X rWiaWkvrWunumhvortheimildsems;tterum  &!Y verWiveittogtilaWkvarWaaWraskilmlaogskil &"Z yrWi,efeinhvereru,semslkheimildttiaWvera x'P#[ hW.$(#\ Einungisskalleggjaframums;kn,einsogumgetur ( fyrstuundirgrein,tileftirlitsyfirvaldasemhafaveitt  d;tturflaginuleyfi.XaWeftirlitsyfirvaldskalupplUsa X ogframsendafullgerWuums;kninatilannarraeftir , litsyfirvaldainnansamstarfsh;pseftirlitsaWilantaf  ar. \ 2.  HlutaWeigandieftirlitsyfirvldskulugeraalltsem l YeirravaldistendurtilaWkomastaWsameiginlegri @  niWurstWuumums;kninainnanYriggjamnaWafr   viWtkudegifullgerWrarums;knartilallraeftirlits  p  yfirvaldainnansamstarfsh;pseftirlitsaWila. D   3.  EfumskiptarskoWanireraWrWavarWandisam T ,  Yykkiums;knarsemumgetur1.mgr.,tmabilinu    semumgetur2.mgr.,getaeftirlitsaWilisamstWu   eWaeinhverhinnahlutaWeigandieftirlitsyfirvalda X0  haftsamrWviWsamstarfsnefndevr;pskravtrygg   inga-oglfeyrissj;Waeftirlita.SsamrWhaftviW   samstarfsnefndevr;pskravtrygginga-oglfeyris \4  sj;WaeftirlitaskalupplUsallhlutaWeigandieftirlits   yfirvldYarumogtmabiliWsemumgetur2.mgr.   skalframlengtumeinnmnuW. `8 SsamrWhaftviWsamstarfsnefndevr;pskrav pH trygginga-oglfeyrissj;WaeftirlitaskuluhlutaWeig  andieftirlitsyfirvldhugaslkarWlegginguviW  eigandihttWurenYautakasameiginlegakvrW tL un.   4.  EftirlitsyfirvaldiWsemhefurveittd;tturflaginu 0 leyfiskalveitaumskjandasameiginlegukvrWun  inasemumgetur2.og3.mgr.,skaltilgreinaallar ` stWuroghafisamrWveriWhaftviWsamstarfsnefnd 4  evr;pskravtrygginga-oglfeyrissj;Waeftirlita,t  skUraumtalsverWfrvikfrsamYykktristWusam d starfsnefndarevr;pskravtrygginga-oglfeyris 8  sj;Waeftirlita.SameiginlegakvrWuninskalviWur ! kenndsemkvarWandiogskalbeitahenniafhlutaW h" eigandieftirlitsyfirvldum. <# 5.  KomisthlutaWeigandieftirlitsyfirvldekkiaW L$$ sameiginlegriniWurstWuYeimtmabilumsemsett % erufram2.og3.mgr.,skaleftirlitsaWilisamstWu |& takaeiginkvrWunaWYvervarWarums;knina. P (' EftirlitsaWilisamstWuskalviWeigandihtttaka `!8( eftirfaranditilathugunarviWkvarWanatkusna:  ") a)0  skoWanirogfyrirvarahlutaWeigandieftirlitsyfir #* valdasemYauhafaltiWlj;sviWeiganditma #+ bili,t$L , b)0  fyrirvaraannarrahlutaWeigandieftirlitsyfirvalda %\!- innansamstarfsh;pseftirlitsaWilasemYauhafa 0&". ltiWlj;sviWeiganditmabili,&"/  c)0  rWleggingasamstarfsnefndarevr;pskravtrygg'#0 inga-og& X  lfeyrissj;Waeftirlita,hafisamrWveriW (0 haftviWhana.'X(۟ 1JJ 0kvrWuninniskulutilgreindarallarstWurogskal 2 hninnihaldatskUringuumtalsverWufrvikifr h3 b;kunumannarrahlutaWeigandieftirlitsyfirvaldaog <4 frrWleggingumsamstarfsnefndarevr;pskrav 5 trygginga-oglfeyrissj;Waeftirlita.EftirlitsaWilisam l6 stWuskalveitaumskjandaogWrumhlutaWeig @ 7 andieftirlitsyfirvldumafritafkvrWuninni.  8   238.gr.  9  D;tturflgvtrygginga-eWa  : endurtryggingaflags:kvrWungjaldYolskrfu   ;  1. J MeWfyrirvaraum231.gr.skalreiknagjaldYols  < krfud;tturflagslktogsetterframkvWum2., tL = 4.og5.mlsgreinarYessarargreinar.   > 2. J XegargjaldYolskrafad;tturflagserreiknuW 0 ? grunniinnralkanssemsamYykktersamstWustigi  @ samrmiviW231.gr.ogteljieftirlitsyfirvaldiWsem ` A veittid;tturflaginuleyfiaWhttusniWYessvki 4 B marktktfrYessuinnralkaniogsvofremisemYaW C flagtakistekkitilhlUWileganhttviWhyggjur dD eftirlitsyfirvaldsins,geturYaWyfirvald,Yeimtil 8E vikumsemumgetur37.gr.lagttilaWsettverWi F viWb;targjaldYolskrafagjaldYolskrfuYessd;ttur hG flagssemleiWirafbeitinguslkslkans,eWa <H undantekningartilvikumYarsemslkviWb;targjald I YolskrafavriekkiviWeigandi,krafiWflagiWumt lJ reikninggjaldYolskrfugrunnistaWalformlunn @K ar.EftirlitsyfirvaldiWskalrWatillgursnarinnan L samstarfsh;pseftirlitsaWilaogtilkynnastWur pM slkratillagnatilbWid;tturflagsogsamstarfsh;ps DN eftirlitsaWila. O 3. J XegargjaldYolskrafad;tturflagserreiknuW P grunnistaWalformlunnarogeftirlitsyfirvaldiWsem Q veittid;tturflaginuleyfiteluraWhttusniWYess X0R vkimarktktfrYeimforsendumsemliggjatil S grundvallarstaWalformlunnar,ogsvolengisemYaW T flagtekstekkitilhlUWileganhttviWhyggjur \4U eftirlitsyfirvaldsins,geturYaWyfirvald,undantekn  V ingartilvikumlagttilaWflagiWskiptithlutmengi  W breytasemnotaWarerutreikningistaWalforml `!8X unnarmeWbreytumsemeigasrstaklegaviWYaWf  "Y lagYegarhttueiningarlftrygginga,skaWatrygg "Z ingaogheilsutryggingaerureiknaWart,lktogsett d#<[ fram110.gr.,eWaYeimtilvikumsemumgetur $\ 37.gr.tilaWkveWaviWb;targjaldYolskrfuviW $ ] gjaldYolskrfuYessd;tturflags. h%@!^ EftirlitsyfirvaldiWskalfjallaumtillgusnainnan x&P"_ samstarfsh;pseftirlitsaWilaogtilkynnastWurslkr $'"` artillgutilbWid;tturflagsinsogsamstarfsh;ps '#a eftirlitsaWila.|(T$b 4.  Samstarfsh;pureftirlitsaWilaskalgeraalltsem ( hansvaldistendurtilaWkomastaWsamkomulagium  tillgueftirlitsyfirvaldssemveittid;tturflaginu X leyfieWaumaWrarhugsanlegarrWstafanir. , 5.  Rsigreiningurmillieftirlitsyfirvaldsogeftir < litsaWilasamstWu,skalmlinuinnanmnaWarfr  tillgueftirlitsyfirvalds,vsaWframtilsamrWshj l samstarfsnefndevr;pskravtrygginga-oglfeyris @  sj;Waeftirlita,semskalveitarWleggingarinnan   tveggjamnaWafrslkrivsun.  p  EftirlitsyfirvaldiWsemveittid;tturflaginuleyfiskal    hugaslkarWlegginguviWeigandihttWurenYaW T ,  tekursnaendanlegukvrWun.    0kvrWuninniskaltilgreinaallarstWurogtaka   tillittilsj;narmiWa,Y.m.t.fyrirvaraannarraeftirlits   yfirvaldainnansamstarfsh;pseftirlitsaWila,ogtil h@  rWleggingafrsamstarfsnefndevr;pskravtrygg   inga-oglfeyrissj;Waeftirlita.   SendaskalkvrWuninatild;tturflagsinsogsam   starfsh;pseftirlitsaWila. |T   239.gr. d  D;tturflgvtrygginga-eWaendurtrygginga t flags:ekkierfariWaWgjaldYolskrfumog H  lgmarkskrfumumeigiWf   k 1.  SekkifariWaWgjaldYolskrfuogYrttfyrir138.  gr.skaleftirlitsyfirvaldiWsemveittid;tturflaginu  leyfintafarframsendaendurreisnartlunina,sem \4 d;tturflagiWhefurlagtfram,tilsamstarfsh;pseftir  litsaWilatilaWn,innansexmnaWafrathugunYess  aWekkisfariWaWgjaldYolskrfu,aWkomaaWnUju `8 ngileguviWurkenndueiginfeWaskerWingu   httusniWitilaWtryggjaaWfariWsaWgjaldYols  krfunni. d<  Samstarfsh;pureftirlitsaWilaskalgeraalltsemhans tL! valdistendurtilaWkomastaWsamkomulagiumtil  " lgueftirlitsyfirvaldsvarWandisamYykkiendurreisn # artlunarinnarinnanfjgurramnaWafrYeimdegi xP$ semfyrstvartekiWeftiraWekkivrifariWaWgjald $ % Yolskrfu.  & Sslktsamkomulagekkifyrirhendiskaleftirlits !' yfirvaldiWsemveittid;tturflaginuleyfikveWa "d( hvortsamYykkjaeigiendurreisnartlunina,aW 8#) teknutillititilskoWanaogfyrirvaraannarraeftirlits #* yfirvaldainnansamstarfsh;pseftirlitsaWila. $h + 2.  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J SekkifariWaWlgmarkskrfumumeigiWfog  ; Yrttfyrir139.gr.skaleftirlitsyfirvaldiWsemveitti d < < d;tturflaginuleyfiframsendantafarskammtma  = fjrhagstluninasemd;tturflagiWlagWiframtil  > samstarfsh;pseftirlitsaWilatilaWn,innanYriggja h@ ? mnaWafrYeimdegisemfyrstvartekiWeftiraW  @ ekkivarfariWaWlgmarkskrfumumeigif,aW  A komaaWnUjungileguviWurkenndueiginfsem lD B nryfirlgmarkskrfuumeigiWfeWaskerWingu  C httusniWitilaWsjtilYessaWfariWsaWlgmarks D krfunniumeigiWf.EinnigskalupplUsasamstarfs pHE h;peftirlitsaWilaumallarrWstafanirsemgripiWer F til,tilaWframfylgjalgmarkskrfunniumeigiWf G stigid;tturflags. tLH   240.gr. \I  D;tturflgvtrygginga-eWa lJ endurtryggingaflags:lokundanYga @K fyrird;tturflag L   1. J ReglurnarsemkveWiWerum238.og239.gr., M skulufallargildiYegar: N a)0 J skilyrWisemumgeturaliW236.gr.erekki O lenguruppfyllt,d<PJJ b)0 J skilyrWisemumgeturbliW236.gr.erekki tLQ lenguruppfylltogsamstWanferekkiaWkvW  R inuinnanhfilegstmabils,SJJ c)0 J skilyrWinsemumgeturc-ogdliW236.gr.eru T ekkilenguruppfyllt. `UJJ 0YvtilvikisemumgeturaliWfyrstuundirgreinar, !pV YarsemeftirlitsaWilisamstWu,aWhfWusamrWiviW D"W samstarfsh;peftirlitsaWila,kveWuraWtakad;ttur "X flagiWekkilengurmeWsamstWueftirlitinusem #tY hannframkvmir,skalhanntafarlaustupplUsahlut H$ Z aWeigandieftirlitsyfirvaldogm;WurflagiW. $ [ AWYvervarWarkvWib-,c-ogdliWar236.gr. &!\ skalm;WurflagiWberabyrgWaWsjtilYessaW &"] stWugtsfariWaWskilyrWum.SekkifariWaWskil \'4#^ yrWum,skalm;WurflagiWupplUsaeftirlitsaWilasam (#_ stWuogeftirlitsyfirvaldhlutaWeigandid;tturflags($` ntafar.M;WurflagiWskalkynnatlunumaWfar ( iWsaWkvWumaWnUjuinnanhfilegstmabils.  MeWfyrirvaraumYriWjuundirgreininaskaleftirlits  aWilisamstWua.m.k.rlegasannreyna,aWeigin h frumkvWi,aWframsfariWaWskilyrWunumsem < umgeturb-,c-ogdliW236.gr.EftirlitsaWilisam  stWuskaleinnigframkvmaslkasannpr;funaW l beiWnihlutaWeigandieftirlitsyfirvalds,YarsemhiW @  sWarahefurumtalsverWarhyggjursemtengjastYv   hvortstWugtsfariWaWkvWumYessaraskilyrWa.  p  XegarkomiWeraugaveikleikaviWframkvmd    sannpr;funarinnarskaleftirlitsaWilisamstWukrefja T ,  m;WurflagiWumaWsetjaframtlunumaWfariWs    aWkvWumaWnUjuinnanhfilegstmabils.   XegareftirlitsaWilisamstWu,aWhfWusamrWiviW   samstarfsh;peftirlitsaWila,kvarWaraWtluninsem h@  umgeturYriWjueWafimmtuundirgreins;full   ngjandieWasWaraWhnhafiekkiveriWfram   kvmdinnansamYykktstmabils,skaleftirlitsaWili lD  samstWukomastaWYeirriniWurstWuaWekkis   lengurfariWaWskilyrWunumsemumgeturb-,c-og  dliW236.gr.ogskalhanntafarlaustupplUsahlutaW pH eigandieftirlitsyfirvaldYarum.  2.  FyrirkomulagiWsemkveWiWerum238.og , 239.gr.skalgildaafturYegarm;WurflagiWsendir  nUjaums;knoghlUturhagstWakvrWunsam \ rmiviWframsettatilhgun237.gr. 0   241.gr. @  D;tturflgvtrygginga-eWa P( endurtryggingaflags:  framkvmdarrWstafanir   W TilaWtryggjasamrmdabeitingu236.!240.gr.skal  framkvmdastj;rninsamYykkjaframkvmdarrW d<  stafanirsemtilgreina: ! a)0  viWmiWanirsemaWbeitaviWmatYvhvort  " skilyrWinsemtilgreinderu236.gr.eruuppfyllt,# b)0  viWmiWanirsemaWbeitaviWmatYvhvaW $ skalteljastneyWarstandskv.2.mgr.239.gr.og `% c)0  mlsmeWferWarreglursemeftirlitsyfirvldeigaaW !p& fylgjaviWupplUsingaskipti,tilaWleitarttarsns D"' ogtilaWuppfyllaskyldursnarsamrmiviW "( 237.!240.gr.#t) XessarrWstafanir,semertlaWaWbreytaveigalitl $ * umYttumYessarartilskipunarmeWYvaWaukaviW X%0!+ hana,skulusamYykktarsamrmiviWreglunefndar &!, meWferWmeWgrannskoWunsemumgetur3.mgr. &"-  301.gr. \'4#.   &   242.gr. (.  EndurskoWun  8/  1. J Framkvmdastj;rnin'( skalfyrir31.okt;ber2014 H 0 leggjamatbeitinguIII.blks,einkumaWYver 1 varWarsamvinnueftirlitsyfirvalda,ogvirkni,innan x2 samstarfsh;pseftirlitsaWila,rttarstWusamstarfs L$3 nefndarevr;pskravtrygginga-oglfeyrissj;Waeftir 4 litaogeftirlitsstarfsemivarWandikvrWunviWb;tar  |5 gjaldYolskrafnaogskalhnleggjaframskUrslutil P (6 Evr;puYingsinsogrWsins,samttillgumaWbreyt  7 inguYessarartilskipunar,eftirYvsemviW.  8 2. J Framkvmdastj;rninskalfyrir31.okt;ber2015  9 leggjamathagrWiafYvaWbtasamstWueftirlit d < : ogfjrmagnsstUringuinnansamstWuvtrygginga-  ; eWaendurtryggingaflaga,Y.m.t.vsunCOM(2008)  < 0119ogskUrslunefndarEvr;puYingsinsumefna h@ = hags-ogpeningamlvarWandiYessatillgufr16.  > okt;ber2008(A60413/2008).XaWmatskalinni  ? haldalklegarrWstafanirtilaWbtareiWanleika lD @ stj;rnunarvtryggingasamstWayfirlandamri,  A einkumvarWandihttu-ogeignastUringu.Fram B kvmdastj;rninskalm.a.takatillittilnUrrarYr;unar pHC ogframYr;unarmatisnuvarWandi: D a)0 J samrmdanrammatilsnemmhlutunar,,EJJ b)0 J starfsvenjurmiWlgrarhttustUringarogrekstur <F innrilkanasamstWu,Y.m.t.lagspr;fun,GJJ c)0 J viWskiptiinnansamstWuoghttusamYjappan H ir,|IJJ d)0 J hriffjlbreytileikaogsamYjppunarmeWtman J um,`8KJJ e)0 J bindandilagarammavegnasttaumleitanavegna pHL greiningseftirlitsyfirvalda,MJJ f)0 J samrmdanrammaumframsalshfieigna,; ,N gjaldfrnimeWferWogslitameWferWsemupprtir O landsbundnarhindranirflaga-eWafyrirtkjartt \P arsemskiptamlivegnaframsalshfiseigna,0QJJ g)0 J sambrilegaverndvtryggingatakaogrtthafa @ R flagasamah;ps,einkumkrsustandi, SJJ h)0 J samrmdaogfullngjandifjrmagnaWalausn !T innanEvr;pusambandsinsfyrirbyrgWarkerfiv "U trygginga,T#,VJJ i)0 J samrmdanogbindandilagarammamillilg d$< W brrayfirvalda,seWlabankaogfjrmlarWuneyta % X hvaWvarWarhttustj;rnun,lausnirogskiptingu %!Y efnahagsbyrWisemsamrmireftirlitsheimildirog h&@"Z  fjrhagslegabyrgW.$'"[JJ $Framkvmdastj;rnin&   skalleggjaframskUrslufyrir ( Evr;puYingiWogrWiW,auktillagnaumbreytingu  Yessarartilskipunar,eftirYvsemviW.'(  X   243.gr. h  D;tturflgeignarhaldsflags x vtryggingasviWi  L$  kvWi236.!242.gr.skulugildaaWbreyttubreyt \ 4 andaumvtryggingaflg,Y.m.t.endurtrygginga   flg,semerud;tturflgeignarhaldsflagsv   tryggingasviWi. ` 8    2.Yttur p H   SamYjppunhttuog  X  viWskiptiinnansamstWu ,   244.gr. <   EftirlitmeWhttusamYjppun  L$  s 1.  EftirlitmeWhttusamYjppunsamstWustigi \4  skalviWhaftsamrmiviW2.og3.mlsgreinYess   arargreinar,246.gr.ogIII.kafla.  2.  AWildarrkiskulukrefjavtryggingaflg,Y.m.t.  endurtryggingaflg,eWaeignarhaldsflgv pH tryggingasviWiumaWsendareglulegaskUrslu,og  a.m.k.rlega,tileftirlitsaWilasamstWuumverulega  httusamYjppunsamstWustigi. tL Vtrygginga-eWaendurtryggingaflagiWsemferfyr \ irsamstWunniskalsendanauWsynlegarupplUsingar 0 tileftirlitsaWilasamstWu,eWaYarsemfyrirsam  stWunniferekkivtryggingaflageWaendurtrygg ` ingaflagskalsendaupplUsingarfreignarhalds 4  flagivtryggingasviWieWaafvtrygginga-eWa  endurtryggingaflagisamstWusemerauWkenndaf d eftirlitsaWilasamstWu,aWhfWusamrWiviWnnur 8 hlutaWeigandieftirlitsyfirvldogsamstWunasjlfa.  httusamYjppunskalhWeftirlitsendurskoWun   eftirlitsaWilasamstWu. x! 3.  EftirlitsaWilisamstWuskal,aWhfWusamrWiviW " nnurhlutaWeigandieftirlitsyfirvldogsamstWuna, \ 4# greinahttuflokkasemvtryggingaflg,Y.m.t. !$ endurtryggingaflg,tiltekinnisamstWuskulutil !% kynnaumviWallarkringumstWur. `"8& XegareftirlitsaWilisamstWuognnurhlutaWeigandi p#H' eftirlitsyfirvldskilgreinaeWagefalitsitthttu $( flokkumskuluYautakatillittilsrstakraruppbygg $ ) ingarsamstWnaoghttustj;rnunaraWferWasam t%L!* stWunni.  &!+ TilaWgetagreintverulegahttusamYjppunsem 0'#, beraWtilkynna,skaleftirlitsaWilisamstWu,aWhfWu '#- samrWiviWnnurhlutaWeigandieftirlitsyfirvldog (`$. samstWuna,leggjaviWeigandiviWmiWunarmrk (. byggWgjaldYolskrfum,vtryggingaskuldeWa / hvorutveggja. X0 ViWendurskoWunhttusamYjppunarskaleftirlits h1 aWilisamstWueinkumfylgjastmeWmgulegrismit <2 httuinnansamstWunnar,httuhagsmuna 3 rekstrumogstigieWaumfangihttu. l4 4. J Framkvmdastj;rningetursamYykktfram  |5 kvmdarrWstafanir,aWYvervarWarskilgreiningu P (6 ogauWkenninguumtalsverWrarhttusamYjppunar  7 ogtilkynninguslkrarhttusamYjppunar,aWYver  8 varWar2.og3.mlsgrein. T ,9 XessarrWstafanir,semertlaWaWbreytaveigalitl d < : umYttumYessarartilskipunarmeWYvaWaukaviW  ; hana,skulusamYykktarsamrmiviWreglunefndar  < meWferWmeWgrannskoWunsemumgetur3.mgr. h@ = 301.gr.  >   245.gr. $ ?  EftirlitmeWviWskiptuminnansamstWu  4 @  1. J EftirlitmeWviWskiptuminnansamstWuskalviW DA haftsamrmiviW2.og3.mlsgreinYessarargrein B ar,246.gr.ogIII.kafla. tC 2. J AWildarrkiskulukrefjavtryggingaflg,Y.m.t. D endurtryggingaflgeWaeignarhaldsflgvtrygg X0E ingasviWiumaWsendareglulegaskUrslu,a.m.k.r F legatileftirlitsaWilasamstWuvarWandillveruleg G viWskiptivtryggingarflagainnansamstWu,Y.m.t. \4H endurtryggingaflginnansamstWu,Y.m.t.Yausem I erugerWviWeinstaklingmeWnintengslviWflag J samstWunni. `8K TilviWb;tarskuluaWildarrkikrefjasttilkynningar pHL umverulegviWskiptiinnansamstWueinsflj;ttog M auWiWer. N Vtrygginga-eWaendurtryggingaflagsemferfyrir O samstWunniskalsendanauWsynlegarupplUsingartil \P eftirlitsaWilasamstWu,eWaYarsemfyrirsamstW 0Q unniferekkivtryggingaflageWaendurtrygginga R flagskalsendaupplUsingarfreignarhaldsflagi  `S vtryggingasviWieWaafvtrygginga-eWaendur 4! T tryggingaflagisamstWusemerauWkenntafeftir !U litsaWilasamstWuaWhfWusamrWiviWnnurhlut "dV aWeigandieftirlitsyfirvldogsamstWunasjlfa. 8#W ViWskiptiinnansamstWuskulufallaundireftirlits H$ X endurskoWuneftirlitsaWilasamstWu. $ Y 3. J EftirlitsaWilisamstWuskal,aWhfWusamrWiviW &!Z nnurhlutaWeigandieftirlitsyfirvldogsamstWuna, &"[ greinaeWliviWskiptavtryggingaflagainnansam \'4#\ stWu,Y.m.t.endurtryggingaflagainnansamstWu (#] tiltekinnisamstWusemskaltilkynnaviWallar($^ kringumstWur.kvWi3.mgr.244.gr.gilda,aW ( breyttubreytanda.  4.  Framkvmdastj;rningetursamYykktfram  kvmdarrWstafanir,aWYvervarWarskilgreiningu h oggreininguverulegraviWskiptainnansamstWuog < tilkynninguslkraviWskiptainnansamstWu,aWYv  ervarWar2.og3.mlsgrein. l XessarrWstafanir,semertlaWaWbreytaveigalitl  | umYttumYessarartilskipunarmeWYvaWaukaviW P ( hana,skulusamYykktarsamrmiviWreglunefndar    meWferWmeWgrannskoWunsemumgetur3.mgr.    301.gr. T ,    3.Yttur d <   httustj;rnunoginnraeftirlit tL   246.gr. \   EftirlitmeWstj;rnkerfi  l   1.  Krfurnarsemerusettarfram2.YttiIV.kafla |  I.blksskulugildaaWbreyttubreytandasamstWu P( stigi.  MeWfyrirvaraumfyrstuundirgreinskalkoma   httustUringuoginnrieftirlitskerfumogverklagiviW  skUrslugjfmeWsamrmdumhttillumflg d< umsemeruinnansamstWueftirlitssamkvmt  kvWuma-ogbliWar2.mgr.213.gr.tilaWhgts  aWstUraYessumkerfumogverklagiviWskUrslugjf h@ samstWustigi.  2.  MeWfyrirvaraumkvWi1.mlsgreinarskal $ innraeftirlitskerfisamstWuaWlgmarkiinnihalda  eftirfarandi: |T a)0  fullngjandikerfiaWYvervarWargjaldYolsam d stWutilaWgreinaogmlaallaverulegahttu 8 semstofnaWertilogtengjaviWurkennteigiWf  httunniviWeigandihtt,h  b)0  traustfyrirkomulagviWskUrslugjfogb;khaldtil x! aWfylgjastmeWogstUraviWskiptuminnansam L$" stWunnaroghttusamYjppun.# 3.  EftirlitsaWilisamstWuhefurendurskoWunkerfis !$ meWferWarogverklagsviWskUrslugjfmeWhndum !% semumgetur1.og2.mlsgrein,samrmiviW `"8& reglurnarsemmlterfyrirumIII.kafla.  #' 4.  AWildarrkiskulufaraframaWhluteignarflag $( vtryggingasviWieWaendurtryggingasviWieWa $ ) eignarhaldsflagvtryggingasviWitakiaWsrmatiW t%L!* samstWustigisemkrafisterskv.45.gr.MatiW  &!+ eiginhttuoggjaldYolisemferframsamstWu &", stigiskalverahWendurskoWuneftirlitsaWilasam x'P#- stWusamrmiviWIII.kafla. $(#. XarsemtreikningurgjaldYolssamstWustigier (. framkvmdursamrmiviW1.aWferWsemumgetur / 230.gr.,skuluhluteignarflagvtryggingasviWi X0 eWaendurtryggingasviWieWaeignarhaldsflagv ,1 tryggingasviWiveitaeftirlitsaWilasamstWuviWeig 2 andiupplUsingarummismuninnmillisummu \3 gjaldYolskrafnaallratengdravtrygginga-eWa 04 endurtryggingaflagasamstWuogsamsteyptri 5 gjaldYolskrfusamstWu.  `6 XarsemhluteignarflagtryggingasviWieWaendur  p7 tryggingasviWieWaeignarhaldsflagvtrygginga D 8 sviWikveWursvo,ogmeWfyrirvaraumsamkomulag  9 eftirlitsaWilasamstWu,geturYaWframkvmthvaWa  t: matsemkrafister45.gr.samstWustigiogstigi H ; hvaWad;tturflagssemersamstWunnisama  < tmaoggeturbiWtileittskjalsemtekurtilallra x = mata. L$ > WurensamkomulagerveittsamrmiviWYriWju \4 ? undirgreinskaleftirlitsaWilisamstWuhafasamrW  @ viWaWilaaWsamstarfsh;pieftirlitsaWilaogtakatillit  A tilskoWanaYeirraeWafyrirvaraviWeigandihtt. `8B XegarsamstWanbeitirvalkostinumYriWjuundir pHC greinskalhnsendaskjaliWtilallrahlutaWeigandi D eftirlitsyfirvaldasamatma.MeWbeitinguYessval E kostsskuluhlutaWeigandid;tturflgekkiundan tLF YeginfrskuldbindingunnisemtryggiraWskilyrWin  G 45.gr.suuppfyllt. H   III.KAFLI I  RWstafanirtilaWauWveldasamstWueftirlit  J 247.gr. K  EftirlitsaWilisamstWu   L  1. J TilnefnaskaleinstakaneftirlitsaWilasember M byrgWsamrminguogbeitingueftirlitsmeWsam N stWu(eftirlitsaWilisamstWu),rh;pieftirlitsyfir tLO valdahlutaWeigandiaWildarrkja.  P 2. J XarsemsamaeftirlitsyfirvaldiWerlgbrtfyrir 0Q llvtryggingaflg,Y.m.t.endurtryggingaflg, R samstWuskalverkefnieftirlitsaWilasamstWuvera  `S hndumYesseftirlitsyfirvalds. 4! T 0llumWrumtilvikumogmeWfyrirvaraum3.mgr. D"U skuluverkefnieftirlitsaWilasamstWuframkvmd "V eftirfarandihtt: #tW a)0 J Yarsemvtrygginga-eWaendurtryggingaflagfer $ X fyrirsamstWunni,afeftirlitsyfirvaldisemhefur X%0!Y heimilaWviWkomandiflag,&!ZJJ b)0 J Yarsemvtrygginga-eWaendurtryggingaflagfer '"[ ekkifyrirsamstWunni,afeftirlitsyfirvaldisem '#\ eftirfarandiviWum:$l(D$]JJ $  i.0  Yarsemm;Wurflagvtrygginga-eWaendur ( tryggingaflagsereignarhaldsflagv  tryggingasviWi,afeftirlitsyfirvaldisemhefur X heimilaWYaWvtrygginga-eWaendurtrygg , ingaflag,   ii.0  YarsemeitteWafleirivtrygginga-eWaendur  tryggingaflaghefuraWalskrifstofuBanda l laginuYarsemm;WurflagYeirraersama @  eignarhaldsflagvtryggingasviWiogeitt   YessaraflagahefurfengiWstarfsleyfiaWild  p  arrkinuYarsemeignarhaldsflagfjrmla D   sviWihefuraWalskrifstofusna,afeftirlitsyfir    valdivtrygginga-eWaendurtryggingaflags  t  semhefurfengiWstarfsleyfiYvaWildarrki,H    iii.0  Yarsemfleirieneitteignarhaldsflagv X0  tryggingasviWiferfyrirsamstWunnisemhef   uraWalskrifstofumismunandiaWildarrkjum   ogYarsemvtrygginga-eWaendurtrygginga \4  flagerhverjuYessaraaWildarrkja,afeftir   litsyfirvaldivtrygginga-eWaendurtrygginga   flagsmeWhstuniWurstWutluefnahags `8 reiknings,    iv.0  YarsemeitteWafleirivtrygginga-eWaendur  tryggingaflghafaaWalskrifstofuBanda  laginuYarsemm;WurflagiWersamaeignar tL haldsflagvtryggingasviWiogekkertYess   araflagahefurfengiWstarfsleyfiaWildarrk  inuYarsemeignarhaldsflagfjrmlasviWi xP hefuraWalskrifstofusna,afeftirlitsyfirvaldi $ semveittivtrygginga-eWaendurtrygginga  flagimeWhstuniWurstWutluefnahags |T reikningsstarfsleyfieWa(   v.0  YarsemsamstWanersamstWanm;Wur 8  flags,eWaviWeinhverjarkringumstWumYar ! semhennarerekkigetiWi.!iv.liW,afeftir h" litsyfirvaldisemveittivtrygginga-eWaend <# urtryggingaflagimeWhstuniWurstWutlu $ efnahagsreikningsstarfsleyfi.l% 3.  0srstkumtilvikumgetahlutaWeigandieftirlits |& yfirvld,aWbeiWnieinhverrayfirvalda,tekiWsam P (' eiginlegakvrWunumaWvkjafrframsettumviW  ( miWunum2.mgr.YarsembeitingYeirravri;viW !) eigandi,meWtillititiluppbyggingarsamstWunnar T",* oghlutfallslegsmikilvgisstarfsemivtrygginga #+ flaga,Y.m.t.endurtryggingaflaga,mismunandi #, lndumogtilnefntannaWeftirlitsyfirvaldsemeftir X$0 - litsaWilasamstWu. % . 0YvskynigetureitthverthlutaWeigandieftirlitsyfir &!/  valdafariWframaWfjallaWsumhvortviWmiWunin &"0 semumgetur& h  2.mgr.sviWeigandi.Slkumfjllun (0 skalekkifaraframoftarenrlega. 1 HlutaWeigandieftirlitsyfirvldskulu'h(. geraalltsem 2 YeirravaldistendurtilaWkomastaWsameiginlegri h3 niWurstWuumvaleftirlitsaWilasamstWuinnan <4 YriggjamnaWafrbeiWninniumumfjllun.Wuren 5 hlutaWeigandieftirlitsyfirvldtakakvrWunskulu l6 YaugefasamstWunnitkifriaWtjlitsitt. @ 7 4. J YriggjamnaWatmabilinusemumgetur P (8 YriWjuundirgrein3.mgr.geturhverthlutaWeigandi  9 eftirlitsyfirvaldfariWframaWsamrWshaftviW  : samstarfsnefndevr;pskravtrygginga-oglfeyris T ,; sj;Waeftirlita.SsamrWhaftviWsamstarfsnefndevr  < ;pskravtrygginga-oglfeyrissj;Waeftirlitaskal  = tmabiliWframlengtumtvomnuWi. X0 > 5. J KomitilYessaWsamrWshaftviWsamstarfs h@ ? nefndevr;pskravtrygginga-oglfeyrissj;Waeftir  @ lita,skuluhlutaWeigandieftirlitsyfirvldviWeigandi  A htttakatillittilrWleggingasamstarfsnefndarevr lD B ;pskravtrygginga-oglfeyrissj;WaeftirlitaWuren  C YautakasameiginlegakvrWun.0sameiginlegu D kvrWuninniskaltilgreinaallarstWurogskalhn pHE innihaldatskUringuumtalsverWufrvikifrllum F rWleggingumsemsamstarfsnefndevr;pskrav G trygginga-oglfeyrissj;Waeftirlitahefurveitt. tLH 6. J EfekkierkomistaWsameiginlegrikvrWunum \I aWvkjafrframsettumviWmiWunum2.mgr.skal 0J verkefnieftirlitsaWilasamstWuframkvmtafauW K kenndueftirlitsyfirvaldisamrmiviW2.mlsgrein. `L 7. J Samstarfsnefndevr;pskravtrygginga-oglf pM eyrissj;WaeftirlitaskalupplUsaEvr;puYingiW,rWiW DN ogframkvmdastj;rninaa.m.k.rlegaumveruleg O vandkvWivarWandibeitingu2.,3.og6.mlsgrein tP ar. H Q KomiuppverulegvandkvWivegnabeitingarfram X0R settraviWmiWana2.og3.mgr.skalframkvmda S stj;rninsamYykkjaframkvmdarrWstafanirsemtil T greinaYessarviWmiWanir. \4U XessarrWstafanir,semertlaWaWbreytaveigalitl l DV umYttumYessarartilskipunarmeWYvaWaukaviW !W hana,skulusamYykktarsamrmiviWreglunefndar !X meWferWmeWgrannskoWunsemumgetur3.mgr. p"HY 301.gr. #Z 8. J EfaWildarrkierufleirieneitteftirlitsyfirvald ,$ [ semhafameWhndumvarfrniseftirlitvtrygginga $ \ flaga,Y.m.t.endurtryggingaflaga,skuluYau %\!] aWildarrkigrpatilnauWsynlegrarWstafanatilaW 0&"^  tryggjasamrmingumilliYessarayfirvalda.&"_   & $  248.gr. (  RttindiogskyldureftirlitsaWilasamstWuog 8 annarraeftirlitsaWila!samstarfsh;pur  eftirlitsaWila  h < 1.  Rttindiog'$(< skyldursemthlutaWertileftirlits x aWilasamstWuaWYvervarWarsamstWueftirlit L$ skulutakatileftirfarandi:  a)0  samrmingarsfnunarogmiWlunarviWeigandi   eWamikilvgraupplUsinga,vegnaframhaldandi   rekstrarhfisogneyWartilvika,Y.m.t.miWlun ` 8  upplUsingasemerumikilvgarfyrireftirlitsverk    efnieftirlitsyfirvalds,   b)0  srstakrarendurskoWunarogmatsfjrhagsstWu   samstWu,tL  c)0  matsYvhvortfariWsaWreglunumumgjald \  YologhttusamYjppunogviWskiptuminnan 0  samstWunnareinsogframkemur218.!245.   gr.,`  d)0  matsstj;rnkerfisamstWunnar,lktogsetter p fram246.gr.oghvortaWilaraWstj;rn,fram D kvmdastj;rneWaeftirlitsstj;rnhluteignarflags  uppfyllikrfurnarsemsettarerufram42.gr.og t 257.gr.,H  e)0  tlanagerWarogsamrmingar,meWreglulegum X0 fundumsemeruhaldniraWlgmarkirlegaeWa  meWWrumviWeigandileiWum,meWeftirlitsstarf  semifyrirframhaldandirekstrarhfisemog \4 neyWartilvikumsamstarfiviWhlutaWeigandieft  irlitsyfirvldYarsemtekiWertillittileWlis,um  fangsogYesshvefl;kininnbyggWhttaer `8 viWskiptumallraflagasemeruhlutisamstW   unnar, f)0  annarraverkefna,rWstafanaogkvarWanasem   thlutaWertileftirlitsaWilasamstWumeWYessari tL! tilskipuneWahlj;tastafbeitinguYessarartilskip  " unar,einkumvegnaYesssemleiWirfullgildingar # ferliinnralkanssamstWustigilktogsetter xP$ fram231.og233.gr.ogleiWirferliWtilaW $ % heimilabeitingureglnasemvarkomiWmeW  & kvWum237.!240.gr.|!T' 2.  TilaWgreiWafyrirbeitinguverkefnasamstWu "d( eftirlitssemumgetur1.mgr.skalkomaf;tsam 8#) starfsh;pieftirlitsaWilaundirforystueftirlitsaWila #* samstWu. $h + Samstarfsh;pureftirlitsaWilaskalsjtilYessaWsam %x!, vinna,upplUsingaskiptiogsamrWsferlifarifram L&$"- skilvirkanhttmeWaleftirlitsyfirvaldasemeru &".  meWlimirsamstarfsh;pieftirlitsaWila,samrmi '|#/ viWIII.blk,& X  meWYaWhugaaWkynnasamleitniviW (/ komandikvarWanaogaWgerWa.'X(J  0 3. J AWildaWsamstarfsh;pieftirlitsaWilaskalnyfir 1 eftirlitsaWilasamstWuogeftirlitsyfirvldallra h2 aWildarrkjannaYarsemaWalskrifstofaallrad;ttur <3 flagaerstaWsett. 4 Eftirlitsyfirvldummikilvgratibaogtengdraf 5 lagaskaleinniggertkleiftaWtakaYttsamstarfs  |6 h;pieftirlitsaWila.X;skaltakmarkaYtttkuYeirra P (7 viWaWnmarkmiWinuumskilvirkupplUsingaskipti.  8 TilaWnrangursrkristarfsemisamstarfsh;pseftir  9 litsaWila,gtiYessveriWkrafistaWeinhververkefni  : suhndumfrrieftirlitsyfirvalda. d < ; 4. J nYessaWhafahrifrWstafanirsemerusam tL < YykktarsamkvmtYessaritilskipun,skalbyggja   = stofnunogrekstursamstarfsh;pseftirlitsaWilasam  > rmingarfyrirkomulagisemvarkomiWafeftirlits xP ? aWilasamstWuogWrumhlutaWeigandieftirlitsyfir $ @ vldum.  A SuskiptarskoWanirvarWandisamrmingarfyrir B komulaggeturhvaWaaWiliaWsamstarfsh;pieftirlits dC aWilasemervsaWmlinutilsamstarfsnefndarevr 8D ;pskravtrygginga-oglfeyrissj;Waeftirlita. E AWhfWusamrWiviWhlutaWeigandieftirlitsyfirvld F skaleftirlitsaWilisamstWuhugarWleggingarsam xG starfsnefndarevr;pskravtrygginga-oglfeyris L$H sj;WaeftirlitaviWeigandihttinnantveggjamnaWa I frm;ttkuYeirraWurenhanntekurendanlega |J kvrWun.0kvrWuninniskaltilgreinaallarstWur P(K ogskalhninnihaldatskUringuumtalsverWufr L vikifrhverskonarrWleggingumsemsamstarfs M nefndevr;pskravtrygginga-oglfeyrissj;Waeftirlita T,N hefurveitt.EftirlitsaWilisamstWuskalsenda O kvrWuninatilannarrahlutaWeigandieftirlitsyfir P valda. X0Q 5. J MeWfyrirvaraumrWstafanirsemsamYykktareru h@R samkvmtYessaritilskipun,skalsamrmingarfyrir S komulagiWsemumgetur4.mgr.tilgreinamls T meWferWfyrir: l DU a)0 J ferliviWkvarWanatkumeWalhlutaWeigandi |!TV eftirlitsyfirvaldasamrmiviW231.,232.og ("W 247.gr.,"XJJ b)0 J samrWskv.4.mgr.Yessarargreinarogsam #Y kvmt5.mgr.218.gr.$h ZJJ MeWfyrirvaraumrttindiogskyldursemthlutaWer %x![ tileftirlitsaWilasamstWuogtilannarraeftirlitsyfir L&$"\ valdameWYessaritilskipungetursamrmingarfyrir &"] komulagiWhaftfrmeWsrviWb;tarverkefnitil '|#^ handaeftirlitsaWilasamstWueWatilannarraeftirP(($_ litsyfirvaldaYarsemYettagtileitttilskilvirkara ( eftirlitsmeWsamstWunniogmyndiekkiskerWa  eftirlitsstarfsemiaWilaaWsamstarfsh;pieftirlitsaWila X aWYvervarWareinstaklingsbyrgW. , TilviWb;targetursamrmingarfyrirkomulagiWsett < frammlsmeWferWarreglurfyrir:  a)0  samrWhlutaWeigandieftirlitsyfirvalda,einkum  semumgetur213.!217.gr.,219.!221.gr.,227.  | gr.,244.!246.gr.,250.gr.,256.gr.,260.gr.og P ( 262.gr.,   b)0  samvinnuviWnnureftirlitsyfirvld.   6.  Samstarfsnefndevr;pskravtrygginga-oglf    eyrissj;WaeftirlitaskaltfraviWmiWunarreglurfyrir   rekstrarYttisamstarfsh;pseftirlitsaWilagrunni tL  tarlegrarendurskoWunarvinnuYeirratilaWmeta    stigsamleitnimilliYeirra.SlkendurskoWunskal   aWlgmarkifaraframYriggjarafresti.AWildarrki xP  skulusjtilYessaWeftirlitsaWilisamstWusendi $  upplUsingartilsamstarfsnefndarevr;pskravtrygg   inga-oglfeyrissj;Waeftirlitaumrekstursamstarfs |T h;pseftirlitsaWilaogumallaerfiWleikasemkoma ( lj;ssemskiptamlivegnaYessararendurskoWunar.  7.  Framkvmdastj;rninskalsamYykkjafram  kvmdarrWstafanirvegnasamrmingarsamstWu h eftirlitsaWYvervarWar1.til6.mgr.,Y.m.t.skil < greiningin?mikilvgttib .  XessarrWstafanir,semertlaWaWbreytaveigalitl  umYttumYessarartilskipunarmeWYvaWaukaviW | hana,skulusamYykktarsamrmiviWreglunefndar P( meWferWmeWgrannskoWunsemumgetur3.mgr.  301.gr.    249.gr.   SamvinnaogupplUsingaskiptimilli   eftirlitsyfirvalda  tL! b 1.  YfirvldsemberabyrgWeftirlitieinstakrav \" tryggingaflaga,Y.m.t.endurtryggingaflaga,sam 0# stWuogeftirlitsaWilisamstWuskuluvinnaniW $ saman,einkumYegarvtrygginga-eWaendurtrygg  `% ingaflagfjrhagserfiWleikum. 4! & MeWYaWaWmarkmiWiaWtryggjaaWeftirlitsyfirvld, D"' Y.m.t.eftirlitsaWilisamstWu,biyfirsmuupplUs "( ingumsemskiptamli,meWfyrirvaraumviWkom #t) andibyrgWYeirra,ogntillitstilstaWfestuYeirra H$ * samaaWildarrki,skuluYauveitahvortWruslkar $ + upplUsingartilaWheimilaoggreiWafyrirbeitingu %x!, eftirlitsverkefnaannarrayfirvaldasamkvmtkvW L&$"- umYessarartilskipunar.MeWYaWfyriraugumskulu &". hlutaWeigandieftirlitsyfirvldogeftirlitsaWilisam '|#/ stWutilkynnahvortWruntafarallarupplUsingar P(($0 semskiptamli,jafnskj;ttogYrerufanlegar. (0 UpplUsingarnarsemumgeturYessariundirgreinn 1 yfir,eneruekkiafmarkaWarviW,upplUsingarumaW X2 gerWirsamstWunnarogeftirlitsyfirvaldaogupplUs ,3 ingarsemhafaveriWveittarafsamstWunni. 4 2. 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L Framkvmdastj;rninskalsamYykkjaframkvmdar M rWstafanirYarsemYrupplUsingarerutilgreindar N semerumikilvgareWaviWeigandifyrireftirlit T,O samstWustigimeWYaWhugaaWbtasamleitni P skUrslugjafareftirlitsaWila. Q XrrWstafanir,semumgeturYessarimlsgreinog R ertlaWaWbreytaveigalitlumYttumYessarartil h@S skipunarmeWYvaWbtaviWhana,skulusam T YykktarsamrmiviWYreglunefndarmeWferWmeW U grannskoWunsemumgetur3.mgr.301.gr. l DV   250.gr. |!TW  SamrWeftirlitsyfirvalda  "dX s 1. 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(#/ MeWfyrirvaraumbyrgWhversfyrirsigskuluYessi (/ yfirvldveitahvertWruallarupplUsingarsemgeta 0 auWveldaWstrfYeirra,einkumeinsogsetterfram X1 Yessumblki. ,2   253.gr. <3  XagnarskyldaogtrnaWarkvW  L$4 Ѕ AWildarrkinskuluheimilaupplUsingaskiptimilli \ 45 eftirlitsyfirvaldasinnaogmillieftirlitsyfirvalda  6 sinnaogannarrayfirvaldaeinsogumgeturkvW  7 um249.!252.gr. ` 88 UmupplUsingarsemaflaWerinnanrammafyrir p H9 komulagsviWsamstWueftirlit,einkumhverskonar  : upplUsingaskiptimillieftirlitsyfirvaldaogmilli  ; eftirlitsyfirvaldaogannarrayfirvalda,semkveWiWer tL < umYessumblki,gildakvWi295.gr.   =   254.gr. 0 >  AWganguraWupplUsingum  @ ? و 1. J AWildarrkiskulusjtilYessaWeinstaklingarog P(@ lgaWilarsemfallaundirsamstWueftirlit,ogtengd A flgoghluteignarflgYeirra,getiskipstupplUs B ingumsemgtuskiptmliviWsamstWueftirlit. T,C 2. 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( gr.ogmeWtillititilviWmiWanasemsamYykkteru  samrmiviWkvWi2.mgr.,kveWiWhvortvarfrn X isfyrirkomulagvegnaeftirlitsmeWsamstWum , YriWjalandisjafngiltYvsemmlterfyrirum  Yessumblki. \ XrkvarWanirskuluendurskoWaWarreglulegatilaW l takatillittilbreytingavarfrnisfyrirkomulagiviW @  eftirlitmeWsamstWum,semmlterfyrirumYess   umblki,ogbreytingavarfrnisfyrirkomulagi  p  YriWjalandiviWeftirlitmeWsamstWumogallaraWr D   arbreytingarreglugerWumsemgtuhafthrif    kvrWunumjafngildi.  t  XegarkvrWunhefurveriWsamYykktaffram   kvmdastj;rninni,samrmiviWfyrstuundirgrein, X0  aWYvervarWarYriWjaland,skalskvrWunviWur   kenndsemkvarWandiaWYvervarWarsannpr;fun   inasemumgetur1.mgr. \4    261.gr. lD   M;WurflgutanBandalagsins:jafngildi  |T  1.  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D"' FariWskalmeWm;Wurflagsemvtrygginga-eWa T#,( endurtryggingaflag,semfellurundirsmukrfur $) ogsettarerufram1.,2.og3.undirYtti3.Yttar $ * VI.kaflaI.blks,einungisaWYvervarWartreikn X%0!+ inggjaldYolisamstWu,aWYvervarWareigiWf &!, semerviWurkenntfyrirgjaldYolskrfuogannaW &"-  hvorteftirfarandi: \'4#. a)0 J &   gjaldYolskrfusemerkvrWuWsamrmiviW (. meginreglur226.gr.efumeraWrWaeignar / haldsflagvtryggingasviWi,'( X0JJ b)0 J gjaldYolskrfusemerkvrWuWsamrmiviW h1 meginreglur227.gr.efumeraWrWavtrygg <2 ingaflagYriWjalandieWaendurtryggingaflag 3 YriWjalandi.l4JJ 2. J AWildarrkiskuluheimilaeftirlitsyfirvldumsn  |5 umaWbeitaWrumaWferWumsemtryggjaviWeigandi P (6 eftirlitmeWvtryggingaflgum,Y.m.t.endurtrygg  7 ingaflgum,samstWu.XessaraWferWirskulusam  8 YykktarafeftirlitsaWilasamstWu,aWhfWusamrWi T ,9 viWnnurhlutaWeigandieftirlitsyfirvld.  : EftirlitsyfirvldgetaeinkumkrafistYessaWkomiWs  ; f;teignarhaldsflagivtryggingasviWimeWaWal  < skrifstofuBandalaginuogbeittYessumblkigagn h@ = vartvtryggingaflgum,Y.m.t.endurtrygginga  > flgum,samstWusemeignarhaldsflagiWv  ? tryggingasviWiferfyrir. lD @ MarkmiWinmeWsamstWueftirlitinuskulunstmeW |TA YessumvlduaWferWumeinsogskilgreinterYess (B umblkiogskaltilkynnaWrumhlutaWeigandieftir C litsyfirvldum,semmliWvarWar,ogframkvmda XD stj;rninniumYr. ,E   263.gr. <F  M;WurflgutanBandalagsins:stig  L$G  Efm;Wurflagsemumgetur260.gr.erd;tturflag \4H eignarhaldsflagsvtryggingasviWisemhefuraWal I skrifstofuutanBandalagsinseWavtrygginga-eWa J endurtryggingaflagsYriWjalandi,skuluaWildarrki `8K aWeinsbeitasannpr;funsemkveWiWerum260.  L gr.stigiendanlegsm;Wurflagssemereignar M haldsflagvtryggingasviWiYriWjalandi,vtrygg d<N ingaflagYriWjalandieWaendurtryggingaflag O YriWjalandi. P X;skuluaWildarrkiheimilaeftirlitsyfirvldumsn Q umaWkveWa,efekkierumaWrWajafngildieftir xPR litssemumgetur260.gr.,aWframkvmanUja $ S sannpr;funlgrastigiefm;Wurflagvtrygginga-  T eWaendurtryggingaflagaertilstaWar,hvortsemYaW |!TU ereignarhaldsflagvtryggingasviWiYriWjalandi, ("V vtryggingaflagYriWjalandieWaendurtrygginga "W flagYriWjalandi. #XX 0slkutilviki,skaleftirlitsyfirvaldiWsemumgetur $h Y annarriundirgrein1.mgr.260.gr.skUrakvrWun <%!Z snafyrirsamstWunni. %![  kvWi262.gr.gildaaWbreyttubreytanda.&"\   &   264.gr. (  SamvinnaviWeftirlitsyfirvldYriWjalandi  8  1.  Framkvmdastj;rninnier'( heimiltaWleggjafyrir H  rWiWtillgurvegnasamningaviWrWnaviWeitteWa  fleiriYriWjulndumhvernigannastskulisamstWu x eftirlitmeW: L$ a)0  vtrygginga-eWaendurtryggingaflgumsem \ 4 eiga,semhluteignarflg,flgskilningi213.   gr.semhafaaWalskrifstofusnaYriWjalandi,og  b)0  vtrygginga-eWaendurtryggingaflgumYriWja    landisemeiga,semhluteignarflg,flg p H  skilningi213.gr.semhafaaWalskrifstofusna    Bandalaginu.  2.  0samningunum,semumgetur1.mgr.,skal   einkumleitastviWaWtryggja: \  a)0  aWeftirlitsyfirvldaWildarrkjunumgetifengiW l  YrupplUsingarsemnauWsynlegareruvegna @  eftirlitsvtryggingaflaga,Y.m.t.endurtrygg   ingaflaga,samstWustigisemhafaaWalskrif p stofuBandalaginuogeigad;tturflgeWahlut D deildflgumutanBandalagsinsog b)0  aWeftirlitsyfirvldYriWjulndumgetifengiW  YrupplUsingarsemnauWsynlegarerufyrireftir  litsamstWustigivtryggingaflaga,Y.m.t.end X0 urtryggingaflaga,YriWjalandisemhafaaWal  skrifstofuyfirrWasvWumYeirraogeigad;tt  urflgeWahlutdeildflgumeinueWafleiri \4 aWildarrkjum. 3.  MeWfyrirvaraum1.og2.mgr.300.gr.stt  mlansskalframkvmdastj;rnin,meWaWstoWnefnd  arevr;pskraeftirlitsaWilameWvtryggingumog pH starfstengdumlfeyrissj;Wum,farayfirniWurstWur  samningaviWrWnannasemumgetur1.mgr.     V.KAFLI !  EignarhaldsflgvtryggingasviWimeW " blandaWastarfsemi  l# 265.gr.  |$  ViWskiptiinnansamstWu  !%  1.  AWildarrkiskulutryggjaaWeftirlitsyfirvldsem "& berabyrgWeftirlitimeWYesshttarvtrygginga- p#H' eWaendurtryggingaflgumhafialmennteftirlitmeW $( viWskiptummilliYessaravtrygginga-eWaendur $ ) tryggingaflagaogblandaWaeignarhaldsflagsinsog t%L!* tengdumflgumYessefm;WurflageinseWafleiri  &!+ vtrygginga-eWaendurtryggingaflagaereignar &", haldsflagvtryggingasviWimeWblandaWastarf x'P#- semi. $(#. 2. J kvWi245.gr.,249.!255.gr.og258.gr.skulu (. gildaaWbreyttubreytanda. /   266.gr. 0  SamvinnaviWYriWjulnd  1  AWYvervarWarsamvinnuviWYriWjulndgilda 2 kvWi264.gr.aWbreyttubreytanda. 3   IV.BLKUR  4  ENDURSKIPULAGNINGOGSLIT  5 VTRYGGINGAFLAGA | T6  I.KAFLI  d7  GildissviWogskilgreiningar   t 8 267.gr.  9  GildissviWYessahluta   :  XessiblkurgildirumendurskipulagningarrWstaf  ; anirogslitameWferWsemtengisteftirfarandi: xP < a)0 J vtryggingaflgum,`=JJ b)0 J tibumvtryggingaflagaYriWjalandsyfir p> rWasvWiBandalagsins.D?JJ   268.gr. T,@  Skilgreiningar  d<A  1. J 0Yessumblkigildaeftirfarandihugtk: tLB a)0 J ?lgbryfirvld :stj;rnvldeWad;msmla \C yfirvldaWildarrkjunumsemerutilYessbraW 0D sjumendurskipulagningarrWstafanireWaslita E meWferW,`FJJ b)0 J ?tib :hverskynsfastaWseturvtrygginga pG flagsyfirrWasvWiaWildarrkis,semekkier DH heimaaWildarrki,semstundarvtryggingastarf I semi,tJJJ c)0 J ?endurskipulagningarrWstafanir :rWstafanir K semfelasrhverskynshlutunafhlfulg X0L brrayfirvaldaYeimtilgangiaWviWhaldafjr  M hagsstWuvtryggingaflagseWakomahenni  N eWlilegthorfoghafahrifYaurttindiYriWju \!4O aWila,annarraenvtryggingaflagsinssjlfs,sem "P Yegarerutil,Y.m.t.,enY;ekkieingngu,rW "Q stafanirsemfelasrhugsanlegagreiWslustWv `#8R un,frestunfullnusturWstafanaeWalkkun  $S krfum,$ TJJ d)0 J ?slitameWferW :sameiginlegmlsmeWferWsem %!U felursrinnlausneignaogskiptinguafraksturs t&L"V insmillilnardrottna,hluthafaeWaflaga,eftir  '"W YvsemviW,ogfelursrhverskonarhlutun '#X lgbrrayfirvalda,Y.m.t.YautilvikYegarsam$x(P$YJJ $eiginlegrimlsmeWferWlUkurmeWnauWasamn ( ingieWaannarrihliWstWrirWstfun,hvortsem  hnervegnagjaldYrots,aWeiginfrumkvWieWa X lgboWin,, e)0  ?stj;rnandi :hvereinstaklingureWaaWilisemtil < nefndureraflgbruyfirvalditilaWhafaumsj;n  meWendurskipulagningarrWstfunum,l f)0  ?skiptastj;ri :hverseinstaklingureWaaWilisem  | tilnefndureraflgbruyfirvaldieWastj;rnv P ( tryggingaflagstilaWfarameWstj;rnslitameW    ferWar,   g)0  ?vtryggingakrafa :hversfjrhWsemv    tryggingaflagskuldarvtryggWum,vtrygg d <  ingartkum,rtthfumeWaWrumsemeigabeina   krfuvtryggingaflagiWogertilkomin   grundvellivtryggingarsamningseWahverrar h@  annarraraWgerWarsemer,einsogkveWiWerum   b-ogcliW3.mgr.2.gr.frumtryggingarstarf   semi,Y.m.t.fjrhWsemlgWhefurveriWtilhliW lD  arfyrirYeinstaklinga,YegarekkiervitaWum   sumaYttiskuldarinnar. EinnigskuluiWgjld,semvtryggingaflagskuldar  ogerutilkominvegnaYessaWYessumvtrygginga X samningumhefurekkiveriWkomiWeWaekkiveriW , lokiWeWavtryggingastarfsemin,semumgeturg  liWfyrstaundirliWar,samrmiviWlgumslka \ samningaeWastarfsemiWurenslitameWferWhefst, 0 talintilvtryggingakrafna.  2.  ViWbeitinguYessablksendurskipulagningar  rWstafanirogslitameWferWvegnatibseiguv p tryggingaflagsYriWjalandi,semstaWsetteraWild D arrki,eigaeftirfarandiskilgreiningarviW:  a)0  ?heimaaWildarrki :aWildarrkiWYarsemtibi   hefurveriWveittstarfsleyfisamrmiviW145.! ! 149.gr.,X0" b)0  ?eftirlitsyfirvld :eftirlitsyfirvldheimaaWildar h@# rkis,$ c)0  ?lgbryfirvld :lgbryfirvldheimaaWildar $ % rkis. &   II.KAFLI !'  EndurskipulagningarrWstafanir  "( 269.gr. $)  SamYykktendurskipulagningarrWstafana! % * gildandilg  %!+  1.  LgbryfirvldheimaaWildarrkisskulueinhafa &",  heimildtilYessaWkveWaendurskipulagningarrW x'P#- stafanirsem& X  snertavtryggingaflagiW,Y.m.t.tib (- Yess.'X(Q  . 2. J EndurskipulagningarrWstafanirnarskuluekki / komavegfyriraWheimaaWildarrkihefjislita h0 meWferW. <1 3. J EndurskipulagningarrWstafanirnarskululta L$2 lgum,reglumogmlsmeWferW,semgildieru 3 heimaaWildarrkinu,nemakveWiWsumannaW  |4 285.til292.gr. P (5 4. J EndurskipulagningarrWstafanir,semgrpaskal ` 86 tilsamrmiviWlggjfheimaaWildarrkis,skulu  7 hafafulltgildi,nfrekariformsatriWa,lluBanda  8 laginu,Y.m.t.gagnvartYriWjuaWilumWrumaW d < 9 ildarrkjumogeinnigYegarlggjfYessaraannarra  : aWildarrkjakveWurekkiumslkarendurskipulagn  ; ingarrWstafanireWagerirframkvmdYeirrahWa h@ < skilyrWumsemekkieruuppfyllt.  = 5. J EndurskipulagningarrWstafanirnarskulugilda $ > lluBandalaginuYegarYrtakagildiheima  ? aWildarrkinu. |T@   270.gr. dA  UpplUsingartileftirlitsyfirvalda  tB  LgbryfirvldheimaaWildarrkisskulutilkynna C eftirlitsyfirvldumheimaaWildarrkisins,svoskj;tt X0D semkosturer,umrskurWsinnumsrhverjaendur E skipulagningarrWstfun,helstWurenrWstfuniner F samYykktog,efYaWbregst,straxaWYvloknu. \4G EftirlitsyfirvldheimaaWildarrkisskulutilkynna lDH eftirlitsyfirvldumallrahinnaaWildarrkjanna,svo I skj;ttsemkosturer,aWYauhafisamYykktendur J skipulagningarrWstafanirogYarmeWeinnigum pHK YreifanleghrifslkrarWstafana. L   271.gr. ,M  BirtingkvarWanaum <N endurskipulagningarrWstafanir  O d 1. J Efunnter,heimaaWildarrki,aWkrefjastml P skotskvrWunarumendurskipulagningarrWstfun  |Q skululgbryfirvldheimaaWildarrkinu,stj;rn P!(R andieWahverseinstaklingursemertilYessbr !S heimaaWildarrkinubirtaopinberlegakvrWunsna "T umendurskipulagningarrWstfunsamrmiviW T#,U mlsmeWferWviWbirtingusemkveWiWerum $V heimaaWildarrkinuogennfremuraWbirtaviWfyrsta $ W tkifriStj;rnartWindumEvr;pusambandsinst X%0!X drttrskjalinuYarsemendurskipulagningarrWstaf &!Y  anirnarerukvarWaWar.&"Z &   EftirlitsyfirvldhinnaaWildarrkjanna,semtilkynnt ( hefurveriWumrskurWinnumendurskipulagningar  rWstfunina,skv.270.'(s gr.,getatryggtbirtinguslks X rskurWaryfirrWasvWisnumeWYeimhttisem , YauteljaviWeigandi.  2.  0YeimupplUsingum,sembirtareruogkveWiWer  um1.mgr.,skaltilgreinalgbrtyfirvaldheima l aWildarrkisins,gildandilg,einsogkveWiWerum @  3.mgr.269.gr.,ogstj;rnandasemtilnefndurer,ef   nokkur.XrskulubirtaropinberutungumlieWa  p  einuafopinberumtungumlumYessaWildarrkisYar D   semupplUsingarnarerubirtar.    3.  EndurskipulagningarrWstafanirnarskulugilda    YrttfyrirkvWinumbirtingu1.og2.mgr.og   gildaaWfullugagnvartlnardrottnum,nemalgbr X0  yfirvldheimaaWildarrkiseWalgYessaWildarrkis   kveWiumannaW.   4.  EfendurskipulagningarrWstafanirhafaeinungis   hrifrtthluthafa,flagaeWastarfsmannav lD  tryggingaflaginu,YeirristWusemYeirgegnasem   slkri,gilda1.2.og3.mgr.ekki,nemaaWkveWiWs  umannaWlgumumendurskipulagningarrWstaf pH anir.  LgbryfirvldskulukveWameWhvaWahttitil , kynningskalsend,samrmiviWYlggjfsemviW  ,YeimaWilumsemumgeturfyrstaundirliW. \   272.gr. l  UpplUsingartilYekktralnardrottna! | rtturinntilaWlUsakrfum  P( 7" 1.  XegarYesserkrafistsamkvmtlgumheima `8 aWildarrkisaWkrfumslUsteigiaWtakaYrgildar   eWaaWkveWiWerumaWlgboWiWsaWtilkynna  lnardrottnum,semerumeWfastabsetu,lgheimili d<  eWaaWalskrifstofusnaYvrki,umendurskipulagn ! ingarrWstfuninaskululgbryfirvldheima " aWildarrkisinseWastj;rnandieinnigtilkynnaYaW h@# YekktumlnardrottnumsemerumeWfastabsetu, $ lgheimilisitteWaaWalskrifstofusnaWrumaW % ildarrkjum,samrmiviWkvWi281.gr.og1. l D& mgr.283.gr. !' 2.  XegarlgheimaaWildarrkiskveWaumrtt ("( lnardrottna,semerumeWfastabsetu,lgheimili ") sitteWaaWalskrifstofuYvrki,tilaWlUsakrfum #X* eWaleggjaframathugasemdirvarWandikrfursnar ,$ + skululnardrottnarmeWfastabsetu,lgheimilisitt $ , eWaaWalskrifstofuWruaWildarrkihafasamartt, %\!-  samrmiviW282.gr.og2.mgr.283.gr. 0&".   &   III.KAFLI (.  SlitameWferW  8/ 273.gr. H 0  UpphafslitameWferWar!upplUsingartil X01 eftirlitsyfirvalda  2 ( 1. J Lgbr'(( yfirvldheimaaWildarrkisskulueinhafa  3 heimildtilYessaWtakakvrWunumaWhefjaslita  4 meWferWvtryggingaflags,Y.m.t.tibaYessWr l D5 umaWildarrkjum.XessakvrWunmtakaY;ttekki  6 hafiveriWgerWarendurskipulagningarrWstafanireWa  7 kjlfarYessaWYrerusamYykktar. p H8 2. J kvrWunvarWandiupphafslitameWferWarv  X 9 tryggingaflags,Y.m.t.tibaYessWrumaWildar , : rkjum,semsamYykktersamrmiviWlggjf  ; heimaaWildarrkis,skalviWurkenndnfrekariforms \ < atriWalluBandalaginuoggildaYarjafnskj;ttog 0 = kvrWunintekurgildiaWildarrkinuYarsemslita  > meWferWinhefst. ` ? 3. J LgbryfirvldheimaaWildarrkisskulugera p@ eftirlitsyfirvldumYessaWildarrkistafarlaustkunn DA ugtumYkvrWunaWhefjaslitameWferWWurentil B hennarkemur,efYvverWurviWkomiW,enefYaW tC tekstekkiumleiWogslitameWferWerhafin. H D EftirlitsyfirvldheimaaWildarrkisskulu,svoskj;tt X0E semkosturer,geraeftirlitsyfirvldumallrahinnaaW F ildarrkjannakunnugtumYkvrWunaWhefjaslita G meWferWogeinnigumYreifanleghrifslkrarW \4H stafana. I   274.gr. J  Gildandilg  (K 0 1. J kvrWunumaWhefjaslitameWferWvtrygginga 8L flags,slitameWferWinoghrifhennarskululta M YeimlgumsemgildieruheimaaWildarrkinu, hN nemakveWiWsumannaW285.!292.gr. <O 2. J LgheimaaWildarrkisskuluhiWminnstakvarWa L$P eftirfarandi: Q a)0 J hvaWaeignirmyndahlutaafbinuogmeWferW !R eignasemvtryggingaflagiWhefuraflaWeWa !S hafarunniWtilYesseftiraWslitameWferWhefst,`"8TJJ b)0 J heimildvtryggingaflagsogskiptastj;rahvors p#HU umsig,$VJJ c)0 J YraWstWurYarsembeitamskuldajfnun,,%!WJJ d)0 J hrifslitameWferWargildandisamningasemv <&"X tryggingaflagiWeraWiliaW,&"YJJ  e)0 J hrifslitameWferWarmlsmeWferWsemeinstakir$'#ZJJ $lnardrottnarhefja,& X  aWundanskildumyfirstand ( andimlaferlum,semumgetur292.gr.,'X(5  f)0  YrkrfursemerlUsthendurbivtrygginga  flagsinsogmeWferWkrafnasemlUstereftiraW h slitameWferWhefst,< g)0  reglursemgildaumlUsingu,sannpr;funog L$ skrningukrafna, h)0  reglursemgildaumskiptinguafrakstursafslu   eigna,forgangsrWunkrafnaogrttindilnar   drottnasemhafafengiWskuldakrfumsnum ` 8  fullngtaWhlutaeftiraWslitameWferWh;fst,meW    skrskotuntilhlutbundinsveWrttareWameW    skuldajfnun,d <  i)0  skilyrWinoghrifYessaWslitameWferWslokiW, tL  einkummeWnauWungarsamningum,   j)0  rttindilnardrottnaeftiraWslitameWferWerlok 0  iW,  k)0  aWilannsemskalberakostnaWogtgjldsem   stofnaWertilviWslitameWferWogp l)0  reglurervarWaYaWhvortlggerningar,semeru  llumlnardrottnumskaWlegir,su;gildir,;gild T, anlegireWaekkiaWfararhfir.   275.gr.   MeWferWvtryggingakrafna    x< 1.  AWildarrkiskulutryggjaaWvtryggingakrfur 0 fiforgangframyfiraWrarkrfurvtryggingaflag  iWmeWannarrihvorrieWabWumeftirfarandiaW ` ferWa: 4  a)0  vtryggingakrfurskulu,aWYvervarWareignir D semtlaWeraWmtavtryggingarskuld,hafaal  geranforgangframyfirallaraWrarkrfurhend t urvtryggingaflaginu,H  b)0  vtryggingakrfurskulu,aWYvervarWarheildar X0  eignirvtryggingaflagsins,hafaforgangfram ! yfirallaraWrarkrfurhendurvtryggingaflag " inumeWmguleikaeftirfarandiundantekning \ 4# umeingngu:!$   i.0  krfurfrstarfsmnnumsemtilerukomnar "% vegnarWningarsamningaeWa-sambanda,"&   ii.0  skattakrfuropinberraaWila,#'   iii.0  krfurvegnalaunaoglaunatengdragjalda,$ (   iv.0  krfureignirsemnj;tahlutbundinsveWrtt %!) ar.&x"* 2.  MeWfyrirvaraum1.mgr.getaaWildarrkikveWiW '#+ umaWlltgjldeWahlutiYeirrasemhlj;tastaf \(4$, slitameWferW,samkvmtskilgreiningulandslgum (, Yeirra,skulihafaforgangframyfirvtryggingakrf - ur. X. 3. J AWildarrki,semhafakosiWaWbeitaaWferWinni h/ semkveWiWerumaliW1.mgr.,skulukrefjast <0 YessaWvtryggingaflgtakisamansrstakaskr 1 samrmiviWkvWi276.gr. l2   276.gr.  |3  Srstkskr   4 E 1. J Srhvertvtryggingaflagskalhalda,aWalskrif  5 stofusinni,srstakaskryfirYreignirsemnotaWar p H6 erutilaWjafnaYvtryggingarskuldsemreiknuWer  7 ogvxtuWsamrmiviWlgheimaaWildarrkisins.  8 2. J EfvtryggingaflagstundarbWireksturskaWa  9 tryggingaoglftryggingaskalYaWhaldaaWskildar \ : skrrfyrirhvornreksturinnumsigaWalskrifstofu 0 ; sinni.  < EfaWildarrkiheimilarhinsvegarvtryggingaflg  = umaWrekabWilftryggingarogmtahttunni, p> semskrWer1.og2.flokkiAhlutaI.viWauka,m D? kveWaumaWYessivtryggingaflgskulihalda @ einaskrumallastarfsemisna. tA 3. J HeildarverWgildieigna,semskrWareruogmetn B arsamrmiviWgildandilgheimaaWildarrkinu, X0C skalaldreiveralgraenverWgildivtryggingar D skuldarinnar. E 4. J Efeign,semfrWerskrna,erhWhlutbundn F umveWrttisemerhaglnardrottnieWaYriWjaaWila lDG ogafYvhlUstaWshlutiverWgildiseignarinnarer H ekkitiltkurtilaWmtaskuldbindingum,ersstaW I reyndfrWskrnaogfjrhWin,semekkiertiltk, pHJ erekkireiknuWmeWheildarverWgildinu,semum K getur3.liW. L 5. J MeWferWeignarviWslitameWferWvtrygginga M flags,aWteknutillititilaWferWarinnar,semkveWiW \N erumaliW1.mgr.275.gr.,skalltalggjf 0O heimaaWildarrkisins,nema286.,287.og288.gr. P gildiumYessaeignYegar:  `Q a)0 J eignin,semnotuWertiljfnunarvtryggingar !pR skuldar,erhWhlutbundnumveWrttisemer D"S haglnardrottnieWaYriWjaaWila,enuppfyllir "T ekkiskilyrWi4.liWar,#tUJJ b)0 J slkeignerhWeignarrttarfyrirvarasemerln $ V ardrottnieWaYriWjaaWilahageWaX%0!WJJ c)0 J lnardrottinnrttaWkrefjastskuldajfnunar h&@"X krfusinnargagnvartkrfuvtryggingaflagsins.'"YJJ 6. J SamsetninguYeirraeignasemfrWareruskrna$(#Z samrmiviW1.!5.liW,YegarslitameWferWhefst, ( skalekkibreytteftirYaWogekkiskalfraneinar  breytingarskrrnaraWrarenleiWrttingarauglj;s X umritvillumnemameWleyfilgbrsyfirvalds. , EigiaWsWurskuluskiptastj;rarleggjavxtuntWra < eignaviWYrsemogvirWihreinnaiWgjaldasem  m;ttekinerutengslumviWYtilteknuvtrygginga l grein,frYvslitameWferWhefstogYartilvtrygg @  ingakrfurerugreiddareWaYartilvtryggingastofn   hefurveriWfluttur.  p  7.  EfafraksturinnafslueignaerminnienvirWi    Yeirra,einsogYaWermetiWskrnum,skuluskipta T ,  stj;rarrkstyWjaaWsvosgagnvarteftirlitsstj;rn    vldumheimaaWildarrkjunum.     277.gr.    FramsalkrfutilbyrgWasj;Ws    +U EfrtturvtryggingalnardrottnahefurveriWfram   seldurtilbyrgWarsj;Ws,semkomiWhefurveriWf;t `  heimaaWildarrkinu,geturheimaaWildarrkiWkveWiW 4  umaWkrfurrYessumsj;Wiskuliekkinj;tag;Ws  afkvWum1.mgr.275.gr. d   278.gr. t  Jfnuneignam;tikrfumsemhafaforgang    mlieWaeinuafopinberumtungumlumaWildarrk  ? isinsYarsemYrerubirtar. |T@   281.gr. dA  UpplUsingartilYekktralnardrottna  tB d 1. J XegarslitameWferWhefstskululgbryfirvld C heimaaWildarrkisins,skiptastj;rinneWahversein X0D staklingur,semlgbryfirvldhafatilnefntYv E skyni,tafarlaustsendaskriflegatilkynninguYess F efnistilallraYekktralnardrottnasemerumeWfasta \4G bsetu,lgheimilieWaaWalskrifstofuWruaWildar H rki. I 2. J 0tilkynningunni,semumgetur1.mgr.,skulu J veraupplUsingarumtmamrkogviWurlgvarWandi pHK Yau,hvaWaaWilieWayfirvaldhefurumboWtilaW L viWurkennakrfursemlUstereWaathugasemdirum M krfurogaWrarrWstafanir. tLN 0tilkynningunniskaleinnigkomaframhvortlnar \O drottnar,semeigakrfur,semhafaforgang,eWa 0P nj;tahlutbundinsveWrttarYurfiaWlUsakrfumsn Q um.  `R XegarumvtryggingakrfureraWrWaskalenn !pS fremurkomaframtilkynningunnialmennhrif D"T slitameWferWarinnarvtryggingasamninga,einkum "U dagsetninginYegarvtryggingasamningareWastarf #tV seminhttaaWhafahrifogrttindiogskyldurv H$ W tryggWraaWYvervarWarsamninginneWastarfsem $ X  ina.%x!Y   &   282.gr. (  RtturtilaWlUsakrfum  8 k 1.  AllirlnardrottnarmeWlgheimili,fasta'(k bsetu H  eWaaWalskrifstofuWruaWildarrkienheimaaWildar  rkinu,Y.m.t.opinberyfirvldaWildarrkja,skulu x hafartttilaWlUsakrfumeWaleggjaframskriflegar L$ athugasemdirervarWakrfur.  2.  MeWkrfurallralnardrottna,semumgetur1.   mgr.,skalfariWsamahttogYeimforgangsraWaW   einsogsamsvarandikrfumsemlnardrottnarmeW ` 8  fastabsetu,lgheimilieWaaWalskrifstofuheima    aWildarrkinugetalUst.LgbryfirvldskuluYv    starfanmismununarvettvangiBandalagsins. d <  3.  EfundaneruskilinYautilvikYegarannaWer tL  heimiltsamkvmtlgumheimaaWildarrkisskal    lnardrottinnsendalgbrumyfirvldumafritaf   fylgiskjlumogtilgreinaeftirfarandi: xP  a)0  eWliogfjrhWkrfunnar,`  b)0  daginnYegarkrafanerstofnuW,p c)0  hvorthannskrskotitilforgangs,hlutbundins  veWrttareWaeignarrttarfyrirvaraaWYvervarW T, arkrfuna, d)0  eftirYvsemviW,hvaWaeignirfallaundir  trygginguna. EkkiernauWsynlegtaWtilgreinaYannforgangsem  vtryggingakrfurhafaskv.275.gr. xP   283.gr. `  TungumlogeyWublW  p ws 1.  UpplUsingarnartilkynningunni,semumgetur  1.mgr.281.gr.,skuluveraopinberutungumlieWa T, einuafopinberumtungumlumheimaaWildarrkisins.  NotaskaleyWublaWsemerletraWnnurhvoreftir  farandifyrirsagnallumopinberumtungumlum   Evr;pusambandsins: h@! a)0  ?Innkllunkrafna;tmamrksemskuluvirt eWax P" b)0  eflgheimaaWildarrkisinskveWaumaWat !`# hugasemdirvarWandikrfunasulagWarfram, 4" $ ?BoWumaWleggjaframathugasemdirvarWandi "% krfu;tmamrksemskuluvirt .#d& SYekkturlnardrottinn,hinsvegar,krfuhafiv $t ' tryggingarkrfuskalveitaupplUsingarnartilkynn H% !( ingunni,semgetiWerum1.mgr.281.gr.,opin %!) berutungumlieWaeinuafopinberumtungumlum &x"* YessaWildarrkisYarsemlnardrottinnermeWfasta L'$#+ bsetu,lgheimilieWaaWalskrifstofu. '#, 2. J Lnardrottnarsemhafafastabsetu,lgheimili (, eWaaWalskrifstofuWruaWildarrkienheimaaWildar - rkinugetalUstkrfueWalagtframathugasemdir X. varWandikrfunaopinberutungumlieWaeinuaf ,/ opinberumtungumlumYessaWildarrkis. 0 EfsvoberundirskalkrafansemhannlUsireWaat 1 hugasemdirnarsemhannleggurframviWkrfuna, l2 eftirYvsemviW,berafyrirsgnina?KrfulUsing  @ 3 eWa?AfhendingathugasemdaervarWakrfu ,eftir  4 YvsemviW,opinberutungumlieWaeinuaf  p5 opinberumtungumlumheimaaWildarrkisins. D 6   284.gr. T ,7  ReglubundnarupplUsingartillnardrottna  d < 8 I| 1. J Skiptastj;rarskulureglulegaveitalnardrottnum tL 9 upplUsingar,meWYeimhttisemviW,umfram   : vinduslitanna.  ; 2. J EftirlitsyfirvldaWildarrkjunumgetafariWfram  < upplUsingarumframvinduslitameWferWarfreftir ` = litsyfirvldumheimaaWildarrkinu. 4 >   IV.KAFLI D?  SameiginlegkvWi  T,@ 285.gr. d<A  hriftilteknasamningaogrttindi  tLB ~ XrttfyrirkvWi269.og274.gr.kvarWasthrif \C upphafsendurskipulagningarrWstafanaeWaslita 0D meWferWarafeftirfarandireglum: E a)0 J aWYvervarWarrWningarsamningaog-sam F bnd,einvrWunguaflgumaWildarrkisinssem pG gildaumrWningarsamninginneWa-sambandiW,DHJJ b)0 J aWYvervarWarsamningasemveitarttinditil T,I aWnUtaeWaeignastfasteign,einvrWunguaflg J umYessaWildarrkisYarsemfasteigniner,KJJ c)0 J aWYvervarWarrttindivtryggingaflagsinser L varWafasteignir,skipeWaloftfarhWskrningu h@M opinberaskr,einvrWunguaflgumYessaW  N ildarrkisYarsemskrinerfrW. OJJ   286.gr. !P  HlutbundinnveWrtturYriWjuaWila  "Q l 1. J InnleiWingendurskipulagningarrWstafanaeWa #R upphafslitameWferWarskalekkihafahrifhlut $t S bundinnveWrttlnardrottnaeWaYriWjuaWilaaWYv H% !T ervarWarefnislegareWa;efnislegareignir,lausaf %!U eWafasteignir!bWisrstakareignirogsfn;tiltek &x"V innaeignasemheildar,ogsembreytastWruhverju L'$#W  !semtilheyravtryggingaflaginuogeruyfirrWa'#X svWiannars& h  aWildarrkisYeimtmaYegarslkar ( rWstafanirvoruinnleiddareWamlsmeWferWh;fst.  'h(_ 2.  Rtturinn,semumgetur1.mgr.,ereinkum:  a)0  rtturinntilaWseljaeWaltaseljaeignirognj;ta  g;WsafafrakstrinumeWaaftekjunumafYessum x eignum,einkummeWveWieWafasteignaveWi,L$ b)0  einkartturYvaWfallistskrfu,einkum \ 4 rttursemtryggWurermeWveWikrfunnieWa   meWframsalikrfunnarmeWbyrgW,  c)0  rtturinntilaWkrefjasteignannaeWaskilaaf    hverjumYeimsemhefuryfirrWyfireignunum p H  eWanotafYeimtrssiviW;skiraWilasemtil    Yesshefurrtt,  d)0  rttinditilaWnj;taafrakstursafeignunum.  3.  Rtturinn,semskrWureropinberaskrognUt   urrttarverndargagnvartYriWjaaWila,ogsemYann l  httveitirhlutbundinnveWrttskilningi1.mgr., @  skalteljasthlutbundinnveWrttur.   4.  kvWi1.mgr.skuluekkikomavegfyriraW  gerWirvegna;gildingar,;gildanleikaeWaskorts  aWfararhfisemgetiWerumlliW2.mgr.274.gr. T,   287.gr. d<  Eignarrttarfyrirvari  tL ' 1.  InnleiWingendurskipulagningarrWstafanaeWa \ YaWaWhafinerslitameWferWgagnvartvtrygginga 0 flagi,semkaupireignir,skalekkihafahrifrtt  indiseljandans,semerubyggWeignarrttarfyrir ` vara,YeimtilvikumYegareignineryfirrWasvWi 4  aWildarrkisannarsenaWildarrkisinsYarsemrWstaf  anirnarvoruinnleiddareWamlsmeWferWinh;fst. d 2.  InnleiWingendurskipulagningarrWstafana,eWa t YaWaWslitameWferWerhafingagnvartvtrygginga H  flagi,semselureigneftiraWafhendingeigninni   hefurfariWfram,skalekkiverastWariftunareWa x! ;gildingarslunnaroghindrakaupandannaWWlast L$" eignarrttYeimtilvikumYegareignin,semselder, # erstaWsettyfirrWasvWiaWildarrkisannarsenaW  |$ ildarrkisinsYarsemrWstafanirnareWamlsmeW P!(% ferWinh;fstYeimtmaYegarslkarrWstafanirvoru !& innleiddareWamlsmeWferWh;fst. "' 3.  kvWi1.og2.mgr.skuluekkikomavegfyrir #( aWgerWirvegna;gildingar,;gildanleikaeWaskorts d$< ) aWfararhfi,semumgeturlliW2.mgr.274.gr. % *   288.gr.  &!+  Skuldajfnun  0'#,  1.  InnleiWingendurskipulagningarrWstafanaeWa @($- YaWaWslitameWferWerhafinskalekkihafahrif (- rttlnardrottnatilaWkrefjastskuldajfnunarkrafna . sinnagegnkrfumvtryggingaflagsinsYegarslk X/ skuldajfnunerheimiluWlgumsemgildaum ,0 krfuvtryggingaflagsins. 1 2. J kvWi1.mgr.skuluekkikomavegfyriraW 2 gerWirvegna;gildingar,;gildanleikaeWaskorts l3 aWfararhfisemgetiWerumlliW2.mgr.274.gr. @ 4   289.gr. P (5  MarkaWirundiropinberueftirliti  ` 86 @ 1. J MeWfyrirvaraum286.gr.skuluhrifendur p H7 skipulagningarrWstfunareWaYessaWslitameWferW  8 hefstrttindiogskylduraWila,semltaopinberu  9 eftirliti,einvrWungufallaundirlgsemgildaum tL : YannmarkaW.   ; 2. J kvWi1.mgr.skuluekkikomavegfyrirhvers 0 < konaraWgerWirvegna;gildingar,;gildanleikaeWa  = skortsaWfararhfisemumgeturlliW2.mgr.274. ` > gr.semkannaWeigasrstaWYeimtilgangiaW 4 ? leggjatilhliWargreiWslureWafrslursamrmiviW @ YaulgsemgildaumYannmarkaW. dA   290.gr. tB  LggerningarsemerulnardrottnumskaWlegir  C  kvWilliWar2.mgr.274.gr.gildaekkiefeinstak D lingur,semhefurhafthagaflggerningisemer h@E skaWlegurllumlnardrottnum,leggurframsannanir F fyrirYvaWgerningurinnfalliundirlgannarsaW G ildarrkisenheimaaWildarrkisinsogleggurfram lDH sannanirfyrirYvaWYauhinsmulgfeliekkisr I neinrrWitilaWvfengjaviWkomandigerning. J   291.gr. K  VerndkaupendasemeruYriWjuaWilar L   EftirfarandilgskulugildaefvtryggingaflagrW M stafargegnendurgjaldimeWaWgerW,semergerWeftir xN samYykktendurskipulagningarrWstfunareWaeftir L$O aWslitameWferWh;fst: P a)0 J varWandifasteignir:lgaWildarrkisinsYarsem !Q fasteignerstaWsett,!RJJ b)0 J varWandiskipeWaloftfar:hWskrninguopin "S beraskrskulueinvrWungufallaundirlgYess p#HT aWildarrkisYarsemskrinerfrW,$UJJ c)0 J varWandiframseljanlegverWbrfeWannurverW ,%!V brf:forsendafyrirYvaWYausutileWahgtaW %!W framseljaYaueraWYausufrWskreWareikn &\"X ingsemmlterfyrirumlgumeWaaWYaueru 0'#Y skrWverWbrfamiWstWsemlUturlgumaW '#Z ildarrkisins,lgumaWildarrkisinsYarsemskr$(`$[JJ $in,reikningurinnerfrWureWaskrWerverW ( brfamiWstW.   292.gr.   Yfirstandandimlaferli    hrifendurskipulagningarrWstafanaeWaslitameW  ferWaryfirstandandimlaferliervarWaeigneWa  rttindisemvtryggingaflaghefurltiWafhendi \ 4 skulufallaeinvrWunguundirlgaWildarrkisinsYar   semmlaferlinfarafram.     293.gr.     Stj;rnendurogskiptastj;rar     ` 1.  Fraskalsnnurtilnefningustj;rnandaeWa   skiptastj;rameWstaWfestuendurritiafupprunalegri h  kvrWunumtilnefninguhanseWameWannarristaW <  festingusemgefinertaflgbrumyfirvldum   heimaaWildarrkisins. l  AWildarrkiYarsemstj;rnandinneWaskiptastj;rinn |  hyggststarfaerheimiltaWkrefjastYUWingaryfir P( opinberttungumleWaeittafopinberumtunguml  umYessaWildarrkis.Ekkierkrafistformlegrarsann  vottunarYeirrarYUWingareWaannarraslkraforms T, atriWa.  2.  Stj;rnendumogskiptastj;rumerheimiltaWbeita  Yvvaldi,semYeimerheimiltaWbeitayfirrWa  svWiheimaaWildarrkisins,yfirrWasvWiallraaW h@ ildarrkja.  Einnigm,samrmiviWlgheimaaWildarrkisins, $ tilnefnaeinstaklingatilaWstoWareWa,YegarYaW  viW,semfulltrastj;rnendaogskiptastj;rameWan |T endurskipulagningarrWstfuneWaslitameWferW ( stendur,einkumgistiaWildarrkjum,srstaklega  YvskyniaWaWstoWalnardrottnaviWaWyfirstga X erfiWleikasemYeirstandaframmifyrirgistiaWildar ,  rkinu. ! 3.  ViWbeitinguvaldssnssamrmiviWlggjf " heimaaWildarrkisskalstj;rnandieWaskiptastj;rifara l# aWlgumYessaWildarrkisYarsemhannhyggst @ $ starfa,einkumaWYvervarWarverklagsreglurum  % slueignaogupplUsingamiWluntilstarfsmanna. !p& XettavaldmekkifelasrYvingunaraWgerWireWa "' rtttilaWrskurWamlarekstrieWadeilumlum. T#,(   294.gr. d$< )  Skrningopinberaskr  t%L!* ծ 1.  Stj;rnandi,skiptastj;rieWaYaWannaWyfirvald &\"+ eWaeinstaklingursemhefurtilskiliWumboWheima 0'#, aWildarrkinugetur;skaWeftirYvaWendurskipu '#- lagningarrWstfuneWakvrWunumaWhefjaslita (`$. meWferWsskrWviWeigandiopinberaskrsem (. frWerWrumaWildarrkjum. / MliaWildarrkifyrirumlgboWnaskrninguskal 0 yfirvaldiWeWaeinstaklingurinn,semumgetur h1 fyrstuundirgrein,geraallarnauWsynlegarrWstafanir <2 tilaWsjumslkaskrningu. 3 2. J LtaberkostnaWinnviWskrningunasemkostn 4 aWogtgjldtengslumviWmlsmeWferWina.  |5   295.gr.  6  Xagnarskylda   7  AllireinstaklingarsemYurfaaWtakaviWeWaskUra  8 frupplUsingumtengslumviWmlsmeWferWsem  X 9 mlterfyrirum270.,273.og296.gr.,skulu , : bundnirYagnarskyldulktogmlterfyrirum64.  ; til69.gr.,aWundanskildumYeimd;msmlayfirvld \ < umseminnlendkvWigildaum. 0 =   296.gr. @ >  MeWferWtibavtryggingaflagaYriWjulanda  P(? ! XegarvtryggingaflagermeWtibfleirieneinu `8@ aWildarrkierfariWmeWhverttibsemsjlfstWa  A eininguaWYvervarWarbeitinguYessahluta. B LgbryfirvldogeftirlitsyfirvldYessumaW C ildarrkjumskululeggjasigframumaWsamrma tLD aWgerWirsnar.  E Stj;rnendurogskiptastj;rarskulueinnigleitastviW 0F aWsamrmaaWgerWirsnar. G   V.BLKUR H  NNURKVVI I  297.gr.  J  RtturtilaWvsatild;mst;la  K  AWildarrkinskulusjtilYessaWunntsaWvsatil ,L d;mst;lsllumkvrWunumsemteknareruumv M trygginga-ogendurtryggingaflgsamkvmtlgum \N ogstj;rnsUslufyrirmlumsemsetterutilfram 0 O kvmdarYessaritilskipun.  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T ,  og1.mgr.3.gr. tt 0 * (StjtW.EBL168,18.7.1995,bls.7). ** 0 * TilskipunEvr;puYingsinsogrWsins2000/26/EB t eingngu8.gr.  ** 0 * (StjtW.EBL181,20.7.2000,bls.65).0 ** 0 * TilskipunEvr;puYingsinsogrWsins2002/13/EB t eingngu1.gr.@** 0 * (StjtW.EBL77,20.3.2002,bls.17).P(** 0 * TilskipunEvr;puYingsinsogrWsins2002/87/EB t eingngu22.gr.`8** 0 * (StjtW.ESBL35,11.2.2003,bls.1).pH** 0 * TilskipunEvr;puYingsinsogrWsins2005/1/EB t eingngu4.gr.X** 0 * (StjtW.ESBL79,24.3.2005,bls.9).h** 0 * TilskipunEvr;puYingsinsogrWsins2005/68/EB t eingngu57.gr.x** 0 * (StjtW.ESBL323,9.12.2005,bls.1).** 0 * TilskipunEvr;puYingsinsogrWsins2006/101/EB t eingngu1.gr.og1.liWurviWauka** 0 * (StjtW.ESBL363,20.12.2006,bls.238).** TilskipunrWsins73/240/EBE  (StjtW.EBL228,16.8.1973,bls.20).  TilskipunrWsins76/580/EBE  (StjtW.EBL189,13.7.1976,bls.13).   TilskipunrWsins78/473/EBE  ! (StjtW.EBL151,7.6.1978,bls.25). 0" TilskipunrWsins84/641/EBE @# (StjtW.EBL339,27.12.1984,bls.21). P$(  TilskipunrWsins87/344/EBE `%8!  (StjtW.EBL185,4.7.1987,bls.77). p&H"! nnurtilskipunrWsins88/357/EBE 'X#" (StjtW.EBL172,4.7.1988,bls.1). (h$# 0 * TilskipunrWsins90/618/EBE t eingngu5.til10.gr.(** 0 * (StjtW.EBL330,29.11.1990,bls.44).8** 0 * & X TilskipunrWsins92/49/EBE0t**eingngu12.gr.(1.mgr.),19.gr.,23.gr.,27. H  gr.,30.'XH7gr.(1.mgr.),34.gr.,35.gr.,36.gr.,37.  gr.,39.gr.(1.mgr.),40.gr.(1.mgr.),42.gr.(1. x mgr.),43.gr.(1.mgr.),44.gr.(1.mgr.),45.gr. L$ (1.mgr.)og46.gr.(1.mgr.).tt 0 * (StjtW.EBL228,11.8.1992,bls.1). ** 0 * TilskipunEvr;puYingsinsogrWsins2000/26/EB t eingngu9.gr. ** 0 * (StjtW.EBL181,20.7.2000,bls.65).(  ** 0 * TilskipunEvr;puYingsinsogrWsins2005/14/EB t eingngu3.gr.8  ** 0 * (StjtW.ESBL149,11.6.2005,bls.14).H ** TilskipunrWsins92/49/EBE X0  (StjtW.EBL228,11.8.1992,bls.1). h@  0 * TilskipunEvr;puYingsinsogrWsins95/26/EB0t**einungisannarundirliWur1.gr.,fyrstiundirliWur xP  1.mgr.2.gr.,1.,3.og5.mgr.4.gr.ogannar $  undirliWur5.gr.tt 0 * (StjtW.EBL168,18.7.1995,bls.7).** 0 * TilskipunEvr;puYingsinsogrWsins2000/64/EB t eingngu2.gr.** 0 * (StjtW.EBL290,17.11.2000,bls.27).** 0 * TilskipunEvr;puYingsinsogrWsins2002/87/EB t eingngu24.gr.** 0 * (StjtW.ESBL35,11.2.2003,bls.1). ** 0 * TilskipunEvr;puYingsinsogrWsins2005/1/EB t eingngu6.gr.0** 0 * (StjtW.ESBL79,24.3.2005,bls.9).@** 0 * TilskipunEvr;puYingsinsogrWsins2005/68/EB t eingngu58.gr.P(** 0 * (StjtW.ESBL323,9.12.2005,bls.1).`8** 0 * TilskipunEvr;puYingsinsogrWsins2007/44/EB t eingngu1.gr.pH** 0 * (StjtW.ESBL247,21.9.2007,bls.1).X** TilskipunEvr;puYingsinsogrWsins98/78/EB h (StjtW.EBL330,5.12.1998,bls.1).  x 0 * TilskipunEvr;puYingsinsogrWsins2002/87/EB t eingngu28.gr.!** 0 * (StjtW.ESBL35,11.2.2003,bls.1)."** 0 * TilskipunEvr;puYingsinsogrWsins2005/1/EB t eingngu7.gr.# ** 0 * (StjtW.ESBL79,24.3.2005,bls.9).$ !** 0 * TilskipunEvr;puYingsinsogrWsins2005/68/EB t eingngu59.gr.%!"**  0 * (StjtW.ESBL323,9.12.2005,bls.1).#'"#** #Tilskipun&   Evr;puYingsinsogrWsins2001/17/EB ( (StjtW.EBL110,20.4.2001,bls.28).'(D 8 Tilskipun&  Evr;puYingsinsogrWsins2002/83/EB H  (StjtW.EBL345,19.12.2002,bls.1).'HWE X0 0 * TilskipunrWsins2004/66/EB t eingnguII.liWurviWaukah@** 0 * (StjtW.ESBL168,1.5.2004,bls.35).x P** 0 * TilskipunEvr;puYingsinsogrWsins2005/1/EB t eingngu8.gr. `** 0 * (StjtW.ESBL79,24.3.2005,bls.9). p** 0 * TilskipunEvr;puYingsinsogrWsins2005/68/EB t eingngu60.gr. ** 0 * (StjtW.ESBL323,9.12.2005,bls.1). ** 0 * TilskipunEvr;puYingsinsogrWsins2006/101/EB t eingngu1.gr.og3.liWurviWaukans ** 0 * (StjtW.ESBL363,20.12.2006,bls.238). ** 0 * TilskipunEvr;puYingsinsogrWsins2007/44/EB t eingngu2.gr. ** 0 * (StjtW.ESBL247,21.9.2007,bls.1). ** 0 * TilskipunEvr;puYingsinsogrWsins2008/19/EB t eingngu1.gr.** 0 * (StjtW.ESBL76,19.3.2008,bls.44).** TilskipunEvr;puYingsinsogrWsins2005/68/EB ( (StjtW.ESBL323,9.12.2005,bls.1). 8 0 * TilskipunEvr;puYingsinsogrWsins2007/44/EB t eingngu4.gr.H ** 0 * (StjtW.ESBL247,21.9.2007,bls.1).X0** 0 * TilskipunEvr;puYingsinsogrWsins2008/19/EB t eingngu1.gr.h@** 0 * (StjtW.ESBL76,19.3.2008,bls.44).xP** 0 * TilskipunEvr;puYingsinsogrWsins2008/37/EB t eingngu1.gr.`** 0 * (StjtW.ESBL81,20.3.2008,bls.1).p**     B-HLUTI ( SkryfirfrestitillgleiWingaraWildarrkjunum 8  (semumgetur310.gr.) 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Q k gr.L  M  9( l   9L  M  L  M  + m +2.mgr.2.  n gr. +No + + p + + q + + r + + s + + t + + u + + v + + w +3.mgr.190.  x gr.L  M  9(Ny   9L  M  L  M  +z +3.gr. +{ + +| + +} + +~ + + + + + + + + + + +191.gr.L  M  9(   9L  M  L  M  +z +1.mgr.4. z gr. += + +z + +z + +z + +z + +z + +z + +z + +z +Fyrstaog z nnurund = irgrein192.  gr.L  M  9(G    9L  M  L  M  + +2.mgr.4.  gr. +C + + + + + + + + + + + + + + + + +"L  M  9(   9L  M  L  M  +6 +5.gr. +6 + +6 + +6 + +6 + +6 + +6 + +6 + +6 + +6 +193.gr.L  M  L  M  9(6   9L  M  L  M  + +6.gr. + + + + + + + + + + + + + + + + + +195.gr.L  M  9(   9L  M  L  M  +b +7.gr. +b + +b + +b + +b + +b + +b + +b + +b + +b +194.gr.L  M  9(b   9L  M  L  M  +U +8.gr. +U + +U + +U + +U + +U + +U + +U + +U + +U +196.gr.L  M  9(U   9L  M  L  M  +  + +  +1.gr. +  + +  + +  + +  + +  + +  + +  + +  +"L  M  9(    9L  M  L  M  + + + +2.gr. + + + + + + + + + + + + + + + +198.gr.L  M  9(   9L  M  L  M  +t6 + +t6 +1.mgr.3. t6 gr. + + +t6 + +t6 + +t6 + +t6 + +t6 + +t6 + +t6 +199.gr.L  M  9(t6   9L  M  L  M  +p + +p +Fyrsti p mlsliWur 3 fyrstuund z irgreinar2. = mgr.3.gr. + + +p + +p + +p + +p + +p + +p + +p +Fyrstaund p irgrein1. 3 mgr.200. z gr.L  M  9(=   9L  M  L  M  +w 9 + +w 9 +atilcliW w 9 ur2.mgr.   3.gr. +!C + +w 9 + +w 9 + +w 9 + +w 9 + +w 9  + +w 9  + +w 9  +2.!4.mgr. w 9  200.gr.L  M  9(     9L  M  L  M  +6" + +6" +3.mgr.3. 6" gr. +"} + +6" + +6" + +6" + +6" + +6" + +6" + +6" +nnurund 6" irgrein1. 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D gr.L  M  9(   9L  M  L  M  +~ + +~ + +~ + +~ +lliWur1. ~ gr. +A + +~ + +~ +rliWur1. ~ mgr.1.gr. +A +nliWur1. ~ mgr.2.gr. +A + +~ +17.mgr.13. ~ gr.L  M  9(A   9L  M  L  M  + + + + + + + +aliWurl  liWar1.gr. +{= +fliWur1.  gr. +{= + + +iliWurr  liWar1. {= mgr.1.gr. + +iliWurn  liWar1. {= mgr.2.gr. + + + +20.mgr.13.  gr.L  M  9({=   9L  M  L  M  +w + +w + +w + +w +bliWurl w liWar1.gr. +: + +w + +w +iiliWurr w liWar1. : mgr.1.gr. + +iiliWurn w liWar1. : mgr.2.gr. + + +w +18.mgr.13. w gr.L  M  9(:   9L  M  L  M  +t6  + +t6  + +t6  + +t6  +3.gr. +t6  + +t6 + +t6 + +t6 + +t6 + +t6 +188.gr.L  M  9(t6   9L  M  L  M  +) + +) + +) + +) +8.gr. +) + +) + +) + +) +12.gr. +) + +) +1.mgr.24. ) gr.L  M  9(p   9L  M  L  M  +c%  + +c%! + +c%" + +c%# +2.mgr.12. c%$ gr. +% + +c%& + +c%' +1.mgr.14. c%( gr. +) +18.gr. +c%* + +c%+ +1.mgr.39. c%, gr.L  M  9(-   9L  M  L  M  +_. + +_/ + +_0 + +_1 +3.!6.mgr. _2 12.gr. +" 3 + +_4 + +_5 +2.!5.mgr. _6 14.gr. +" 7 + +_8 + +_9 +2.!6.mgr. _: 39.gr.L  M  L  M  9(" ;   9L  M  L  M  + < + + = + + > + + ? +1.og2.  @ mgr.15.gr. +\!A + + B + + C +1.og2.  D mgr.15.gr. +\!E +1.mgr.19.  F gr. +\!G + + H +57.gr.L  M  9( I   9L  M  L  M  +"J + +"K + +"L + +"M +3.mgr.15. "N gr. +"XO + +"P + +"Q +3.mgr.15. "R gr. +"XS +22.gr. +"T + +"U +61.gr.L  M  9("V   9L  M  L  M  +K# W + +K# X + +K# Y + +K# Z +4.mgr.15. K# [ gr. +#\ + +K# ] + +K# ^ +4.mgr.15. K# _ gr. +#` +23.gr. +K# a + +K# b +62.gr.L  M  9(K# c   9L  M  L  M  +$Gd + +$Ge + +$Gf + +$Gg +Grein15a +$Gh + +$Gi + +$Gj +Grein15a +$Gk +2.!8.mgr. $Gl 19.gr. + %m + +$Gn +1.!7.mgr. $Go 58.gr.L  M  9( %p   9L  M  L  M  +% q + +% r + +% s + +% t +Grein15b +% u + +% v + +% w +Grein15b +% x +Grein19a +% y + +% z +59.gr.L  M  9(% {   9L  M  L  M  +t&6!| + +t&6!} + +t&6!~ + +t&6! +Grein15c +t&6! + +t&6! + +t&6! +Grein15c +t&6! +20.gr. +t&6! + +t&6! +60.gr.L  M  9(t&6!   9L  M  L  M  +)'! + +)'! + +)'! + +)'! +1.mgr.16. )'! gr. +'p" + +)'! + +)'! +1.mgr.16. )'! gr. +'p" +24.gr. +)'! + +)'! +64.gr.L  M   =,")'!   =L  M  L  M  +V + +V + +V + +V +2.mgr.16. V  gr. + + +V + +V +2.mgr.16. V  gr. +  +25.gr. +V  + +V  +65.gr.L  M  9(V    9L  M  L  M  +R + +R + +R + +R +3.mgr.16. R gr. + + +R + +R +3.mgr.16. R gr. + +26.gr. +R + +R +66.gr.L  M  9(R   9L  M  L  M  + + + + + + + +4.mgr.16.  gr. +O  + +! + +" +4.mgr.16. # gr. +O$ +27.gr. +% + +& +67.gr.L  M  9('   9L  M  L  M  + ( + + ) + + * + + + +5.mgr.16.  , gr. + K- + + . + + / +5.mgr.16.  0 gr. + K1 +1.mgr.28.  2 gr. + K3 + + 4 +1.mgr.68.  5 gr.L  M  9( K6   9L  M  L  M  +> 7 + +> 8 + +> 9 + +> : +Fyrstatil > ; fj;rWaund  < irgrein H = mlsgreinar  > 5b16.gr. +R ? + +> @ + +> A +Fyrstatil > B fj;rWaund  C irgrein7. H D mgr.16.gr. + E +Fyrstatil > F fj;rWaund  G irgrein3. H H mgr.28.gr. + I + +> J +3.mgr.68. > K gr.L  M  9( L   9L  M  L  M  + M + + N + + O + + P +Fimmta  Q undirgrein  NR mlsgreinar S 5b16.gr. +X T + + U + + V +Fimmta  W undirgrein  NX 7.mgr.16. Y gr. +X Z +Fimmta  [ undirgrein  N\ 3.mgr.28. ] gr. +X ^ + + _ +4.mgr.68.  ` gr.L  M  9( Na   9L  M  L  M  +K b + +K c + +K d + +K e +3.mgr.16. 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G v gr. +  w +29.gr. +G x + +G y +70.gr.L  M  9(G z   9L  M  L  M  + { + + | + + } + + ~ +5.mgr.a   16.gr. +D  + +  + +  +6.mgr.16.   gr. +D  +2.mgr.28.   gr. +D  + +  +2.mgr.68.   gr.L  M  9(D    9L  M  L  M  +  + +  + +  + +  +aliWur1.   mgr.grein ~@ ar16a + + +  + +  +aliWur1.   mgr.17.gr. +~@ +Fyrstaund   irgrein1. ~@ mgr.31.gr. + + +  +a!cliWur1.   mgr.72.gr.L  M  L  M  9(~@   9L  M  L  M  +z + +z + +z + +z +bliWur1. z mgr.grein = ar16a + + +z + +z +bliWur1. z mgr.17.gr. += +nnurund z irgrein1. = mgr.31.gr. + + +z +nnurund z irgrein1. = mgr.72.gr.L  M  9(   9L  M  L  M  +w9 + +w9 + +w9 + +w9 +2.mgr. w9 greinar16a + + +w9 + +w9 +2.mgr.17. w9 gr. + +2.mgr.31. w9 gr. + + +w9 +2.mgr.72. w9 gr.L  M  9(   9L  M  L  M  +s + +s + +s + +s +20.gr. +s + +s + +s +22.gr. +s + +s + +s +"L  M  9(s   9L  M  L  M  +f( + +f( + +f( + +f( +21.gr. +f( + +f( + +f( +23.gr. +f( +1.!3.mgr. f( 34.gr. + + +f( +"L  M  9(f(   9L  M  L  M  +b + +b + +b + +b +22.gr. +b + +b + +b +24.gr. +b +4.mgr.34. b gr. +% + +b +"L  M  9(b   9L  M  L  M  + + + + + + + +25.gr. + + + + + + + + + + + +"L  M  9(   9L  M  L  M  +Q + +Q + +Q + +Q +28.gr. +Q + +Q + +Q +33.gr. +Q + +Q + +Q +180.gr.L  M  9(Q   9L  M  L  M  +D + +D + +D + +D +29.gr. +D + +D + +D + +D + +D + +D +1.og3. 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X + +U$Y + +U$Z +2.,4.!6.og U$[ 9.mgr.155. $\ gr.L  M  9(_%! ]   9L  M  L  M  +& ^ + +& _ + +& ` + +& a +5.mgr.40. & b gr. +&[!c + +& d + +& e +4.mgr.46. & f gr. +&[!g + +& h + +& i +3.mgr.155. & j gr.L  M  9(&[!k   9L  M  L  M  +N'"l + +N'"m + +N'"n + +N'"o +9.mgr.40. N'"p gr. +'"q + +N'"r + +N'"s +8.mgr.46. N'"t gr. +'"u + +N'"v + +N'"w +7.mgr.155. N'"x gr.L  M  9('"y   9L  M  L  M  +(J#z + +(J#{ + +(J#| + +(J#} +41.gr. +(J#~ + +(J# + +(J# +47.gr. +(J# + +(J# + +(J# +156.gr.L  M  =,"(J#   =L  M  L  M  +V + +V + +V + +V +2.mgr.42. V gr. + + +V + +V +48.gr. +V  + +V  + +V  +160.gr.L  M  9(V    9L  M  L  M  +R  + +R + +R + +R +2.og3. R mgr.43.gr. + + +R + +R + +R + +R + +R +184.gr.L  M  L  M  9(R   9L  M  L  M  + + + + + + + +2.mgr.44.  gr. +O + + + +  +49.gr. +! + +" + +# +159.gr.og $ V.viWaukiL  M  9(O%   9L  M  L  M  + & + + ' + + ( + + ) +2.mgr.45.  * gr. + K+ + + , + + - + + . + + / + + 0 +189.gr.L  M  9( 1   9L  M  L  M  +> 2 + +> 3 + +> 4 + +> 5 +Fyrstaog > 6 YriWjaund  7 irgrein2. H 8 mgr.46.gr. + 9 + +> : + +> ; +Fyrstaog > < YriWjaund  = irgrein1. H > mgr.og2.  ? mgr.50.gr. +R @ + +> A + +> B +157.gr.L  M  9(> C   9L  M  L  M  + D + + E + + F + + G +47.!50.gr. + H + + I + + J + + K + + L + + M +"L  M  9( N   9L  M  L  M  + ~O + + ~P + + ~Q + + ~R +51.gr. + ~S + + ~T + + ~U +64.gr. + ~V +56.gr. + ~W + + ~X +"L  M  9( ~Y   9L  M  L  M  +q3 Z + +q3 [ + +q3 \ + +q3 ] +SWasti q3 ^ undirliWur  _ 51.gr. +{= ` + +q3 a + +q3 b + +q3 c + +q3 d +4.mgr.1. q3 e gr. + f +8.mgr.58. q3 g gr.L  M  9( h   9L  M  L  M  +0 i + +0 j + +0 k + +0 l +52.gr. +0 m + +0 n + +0 o + +0 p + +0 q + +0 r +"L  M  9(0 s   9L  M  L  M  + t + + u + + v + + w +54.gr. + x + + y + + z + + { + + | + + } +206.gr.L  M  9( ~   9L  M  L  M  +\  + +\  + +\  + +\  +55.gr. +\  + +\  + +\  + +\  + +\  + +\  +207.gr.L  M  9(\    9L  M  L  M  +O  + +O  + +O  + +O  +24.og26. O  gr. +  + +O  + +O  + +O  + +O  + +O  +"L  M  9(O    9L  M  L  M  +K + +K + +K + +K +1.mgr.12. K gr.,19.gr.,  33.gr.,37. U gr.,1.mgr.  39.gr.,1. _ mgr.40. " gr.,1.mgr. i 42.gr.,1. , mgr.43. s gr.,1.mgr. 6 44.gr.,1. } mgr.45. @ gr.,1.mgr.  46.gr. +J  + +K + +K + +K + +K + +K +"L  M  9(K   9L  M  L  M  + + + + + + + + + +bliWur1.  gr. +F + + + + + + + + +3.mgr.13.  gr.L  M  L  M  9(F   9L  M  L  M  +9 + +9 + +9 + +9 + +9 +cliWur1. 9 gr. + + +9 +sliWur1. 9 mgr.1.gr. + +cliWur1. 9 mgr.2.gr. + + +9 +4.mgr.13. 9 gr.L  M  9(   9L  M  L  M  +s5 + +s5 + +s5 + +s5 + +s5 +gliWur1. s5 gr. + + +s5 + +s5 + +s5 + +s5 +aliWur1. s5 mgr.212.  gr.L  M  9(}?   9L  M  L  M  +2 + +2 + +2 + +2 + +2 +hliWur1. 2 gr. +y + +2 + +2 + +2 + +2 +bliWur1. 2 mgr.212. y gr.L  M  9(<    9L  M  L  M  +  + +  + +  + +  + +  +iliWur1.   gr. +v!8 + +  + +  +iliWura   liWar2. v!8 mgr.59.gr. +! + +  +fliWur1.   mgr.210. v!8 gr.L  M  9(!   9L  M  L  M  +"r + +"r + +"r + +"r + +"r +jliWur1. "r gr. +5# + +"r + +"r +jliWura "r liWar2. 5# mgr.59.gr. +#| + +"r +gliWur1. "r mgr.210. 5# gr.L  M  9(#|   9L  M  L  M  +o$1 + +o$1 + +o$1 + +o$1  + +o$1  +lliWur1. o$1  gr. +$  + +o$1  + +o$1 +bliWur2. o$1 mgr.59.gr. +$ + +o$1 +6.mgr.13. o$1 gr.L  M  9($   9L  M  L  M  +%k  + +%k  + +%k  + +%k  + +%k  +2.gr. +%k  + +%k  + +%k  +3.mgr.59. %k  gr. +.&  + +%k  +1.mgr.214. %k  gr.L  M   =,".&    =L  M  L  M  +V + +V + +V + +V + +V +3.gr. +V + +V + +V +3.mgr.59. V  gr. +  + +V  +fyrstaog V  nnurund   irgrein1.og `" 2.mgr.214.   gr.L  M  9(j,   9L  M  L  M  + + + + + + + + + +4.gr. + + + + + +3.mgr.59.  gr. +f + + +1.mgr.247.  gr.L  M  9(f   9L  M  L  M  +Y  + +Y  + +Y   + +Y ! + +Y " +1.mgr.5. Y # gr. + $ + +Y % + +Y & +4.mgr.59. Y ' gr. + ( + +Y ) +246.gr.L  M  9(Y *   9L  M  L  M  + U+ + + U, + + U- + + U. + + U/ +2.mgr.5.  U0 gr. + 1 + + U2 + + U3 + + U4 + + U5 +1.mgr.254.  U6 gr.L  M  9( 7   9L  M  L  M  + 8 + + 9 + + : + + ; + + < +6.gr. + = + + > + + ? +5.mgr.59.  @ gr. +R A + + B +2.mgr.254.  C gr.,1.og2. R D mgr.255.  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T viWauki + + + +213.!215.  gr., T 218.!246.  gr.L  M  9(^    9L  M  L  M  + + + + + + + + + +II.viWauki + + + + + +9.mgr.59.  gr.ogII. Z viWauki + + + +215.!217.  gr., Z 220.!243.  gr.L  M  9(d   9L  M  L  M  +W + +W + +W + +W + +W + +W +2.mgr.1. W gr. + + +W + +W + +W +267.gr.L  M  9(W   9L  M  L  M  + S + + S + + S + + S + + S + + S +bliWur2.  S gr. +! + + S + + S + + S +bliWur1.  S mgr.268. ! gr.L  M  9(!]   9L  M  L  M  +P" + +P" + +P" + +P" + +P" + +P" +cliWur2. P" gr. +" + +P" + +P" + +P" +cliWur1. P" mgr.268. " gr.L  M  9(Z#   9L  M  L  M  +$ + +$ + +$ + +$ + +$ + +$ +dliWur2. $ gr. +$V + +$ + +$ + +$ +dliWur1. $ mgr.268. $V gr.L  M  9(%   9L  M  L  M  +%  + +%  + +%  + +%  + +%  + +%  +fliWur2. %  gr. +S&! + +%  +hliWur1. %  mgr.2.gr. +S&! + +%  +9.mgr.13. %  gr.L  M  9(S&!    9L  M  L  M  +'!  + +'!  + +'!  + +'! + +'! + +'! +gliWur2. '! gr. +'O" + +'! + +'! + +'! +aliWur1. '! mgr.268. 'O" gr.L  M  L  M   =,"("   =L  M  L  M  +V + +V + +V + +V + +V + +V +iliWur2. 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" mgr.1.gr. +"T + + " + + " +14.mgr.13.  " gr.L  M  9("T   9L  M  L  M  +G#  + +G#  + +G#  + +G#  + +G#  + +G#  + +G#  +qliWur1. G#  mgr.1.gr. +# + +G#  + +G#  +"L  M  9(G#    9L  M  L  M  +$C + +$C + +$C + +$C + +$C + +$C + +$C +2.mgr.1. $C gr. +% +3.mgr.2. $C gr. +% + +$C +"L  M  9($C   9L  M  L  M  +%}  + +%}  + +%}  + +%}  + +%}  + +%}  + +%}  +1.mgr.2. %}  gr. +@&! + +%}  + +%}  +3.mgr.2. %}  gr.L  M  9(@&!   9L  M  L  M  +&! + +&! + +&! + +&! + +&! + +&! + +&! +2.,3.og8. &! mgr.3.gr. +z'<" + +&! + +&! +9.gr.L  M  9(&!   9L  M  L  M  +/(" + +/(" + +/(" + +/(" + +/(" + +/(" + +/(" +5.og7 /(" mgr.3.gr. +(v# + +/(" + +/(" +10.gr.L  M   =,"/("   =L  M  L  M  +V + +V + +V + +V + +V + +V + +V +6.mgr.3. V gr. +  + +V  + +V  +"L  M  9(V    9L  M  L  M  +R  + +R + +R + +R + +R + +R + +R +nnurog R YriWjaund  irgrein2. \ mgr.5.gr. + + +R + +R +XriWji R undirliWur  2.mgr.og \ annar  undirliWur f 3.mgr.15. )  gr.L  M  9( p    9L  M  L  M  +c %! + +c %" + +c %# + +c %$ + +c %% + +c %& + +c %' +Fyrstaog c %( nnurund  ) irgrein5. m /* mgr.6.gr. + + + +c %, + +c %- +1.mgr.21. c %. gr.L  M  L  M  9( /   9L  M  L  M  + i0 + + i1 + + i2 + + i3 + + i4 + + i5 + + i6 +eliWur7.  i7 gr. +, 8 + + i9 + + i: +fliWur2.  i; mgr.23.gr.L  M  9(, <   9L  M  L  M  + = + + > + + ? + + @ + + A + + B + + C +8.gr. + D +12.gr. + E + + F +1.mgr.24.  G gr.L  M  9(f( H   9L  M  L  M  + I + + J + + K + + L + + M + + N + + O +12.gr. + P + + Q + + R +208.gr.L  M  9( S   9L  M  L  M  + T + + U + + V + + W + + X + + Y + + Z +9.mgr.16.  [ gr. +U \ +30.gr. + ] + + ^ +69.gr.L  M  9( _   9L  M  L  M  +  ` + +  a + +  b + +  c + +  d + +  e + +  f +1.!6.mgr.   g 18.gr. +Q h + +  i + +  j +73.gr.L  M  9(  k   9L  M  L  M  +D l + +D m + +D n + +D o + +D p + +D q + +D r +7.mgr.18. D s gr. + t + +D u + +D v +"L  M  9(D w   9L  M  L  M  +~@x + +~@y + +~@z + +~@{ + +~@| + +~@} + +~@~ +Fyrsti ~@ undirliWur  fyrstuund J irgreinar1.   mgr.19.gr. +T + +~@ + +~@ +1.mgr.74. ~@ gr.L  M  9(   9L  M  L  M  +G  + +G  + +G  + +G  + +G  + +G  + +G  +Annar G  undirliWur  annarrar Q undirgrein  ar1.mgr. [ 19.gr. + + +G  + +G  +nnurund G  irgrein3.  mgr.74.gr.L  M  9(Q   9L  M  L  M  +W + +W + +W + +W + +W + +W + +W +nnurund W irgrein1.  mgr.,2.og a 3.mgr.19. $ gr. +k + +W + +W +4.!7.mgr. W 74.gr.L  M  9(   9L  M  L  M  +^  + +^  + +^  + +^  + +^  + +^  + +^  +21.gr. +^  + +^  + +^  +209.gr.L  M  9(^    9L  M  L  M  + + + + + + + + + + + + + +25.gr. + + + + + +"L  M  9(   9L  M  L  M  + + + + + + + + + + + + + +26.gr. + + + + + +"L  M  9(   9L  M  L  M  +}? + +}? + +}? + +}? + +}? + +}? + +}? +32.gr. +}? + +}? + +}? +"L  M  9(}?   9L  M  L  M  +2 + +2 + +2 + +2 + +2 + +2 + +2 +34.gr. +2 + +2 + +2 +182.gr.L  M  9(2   9L  M  L  M  + + + + + + + + + + + + + +35.gr. + + + + + +186.gr.L  M  9(   9L  M  L  M  + ^ + + ^ + + ^ + + ^ + + ^ + + ^ + + ^ +1.mgr.36.  ^ gr. +!! + + ^ + + ^ +1.mgr.185.  ^ gr.L  M  9(!!   9L  M  L  M  +! + +! + +! + +! + +! + +! + +! +2.mgr.36. ! gr. +[" + +! + +! +Fyrstimls ! liWur4. [" mgr.185. " gr.L  M  9(e#'   9L  M  L  M  +$ + +$  + +$  + +$  + +$  + +$  + +$ +ViWauki $ IIIA +$a + +$ + +$ +6.mgr.185. $ gr.L  M  L  M  9($a   9L  M  L  M  +T%  + +T%  + +T%  + +T%  + +T%  + +T%  + +T%  +3.mgr.36. T%  gr. +%  + +T%  + +T%  +7.mgr.185. 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'"9 gr.L  M  =,"M(#:   =L  M  L  M  +V + +V + +V + +V + +V + +V + +V +43.gr. +V + +V  + +V  +149.gr.L  M  9(V    9L  M  L  M  +   + +   + +  + +  + +  + +  + +  +45.gr. +  + +  + +  +"L  M  9(    9L  M  L  M  + + + + + + + + + + + + + +48.gr. + + + + +  +160.gr.L  M  9(!   9L  M  L  M  +u7" + +u7# + +u7$ + +u7% + +u7& + +u7' + +u7( +49.gr. +u7) + +u7* + +u7+ +159.gr.L  M  9(u7,   9L  M  L  M  +*- + +*. + +*/ + +*0 + +*1 + +*2 + +*3 +a!gliWur2. *4 mgr.51.gr. +q5 + +*6 + +*7 +a!e,gog *8 hliWur2. q9 mgr.162. 4 : gr.L  M  9( {;   9L  M  L  M  +n 0< + +n 0= + +n 0> + +n 0? + +n 0@ + +n 0A + +n 0B +3.og4. n 0C mgr.51.gr. + D + +n 0E + +n 0F +163.gr.L  M  9(n 0G   9L  M  L  M  + jH + + jI + + jJ + + jK + + jL + + jM + + jN +1.mgr.52.  jO gr. +- P + + jQ + + jR +169.gr.L  M  9( jS   9L  M  L  M  + T + + U + + V + + W + + X + + Y + + Z +1.og2.  [ mgr.55.gr. +g )\ + + ] + + ^ +1.og2.  _ mgr.166. g )` gr.L  M  9( a   9L  M  L  M  +c b + +c c + +c d + +c e + +c f + +c g + +c h +56.gr. +c i + +c j + +c k +167.gr.L  M  9(c l   9L  M  L  M  +V m + +V n + +V o + +V p + +V q + +V r + +V s +1.og2. V t mgr.59.gr. + u +1.og2. V v mgr.52.gr. + w + +V x +1.og2. V y mgr.177.  z gr.L  M  9(`" {   9L  M  L  M  + | + + } + + ~ + +  + +  + +  + +  +3.og6.   mgr.59.gr. +\  +3.og4.   mgr.52.gr. +\  + +  +"L  M  9(    9L  M  L  M  +O  + +O  + +O  + +O  + +O  + +O  + +O  +1.mgr.60. O  gr. +  + +O  + +O  +nnurog O  YriWjaund   irgrein2. Y mgr.305.  gr.L  M  9(c%   9L  M  L  M  + + + + + + + + + + + + + +2.mgr.60.  gr. +_ + + + + +3.mgr.305.  gr.L  M  9(_   9L  M  L  M  +R + +R + +R +31.gr. +R + +R + +R + +R +61.gr. +R + +R + +R +43.gr.L  M  9(R   9L  M  L  M  + + + + + + + + + + + + + +65.gr. + +55.gr. + + + +1.og3.  mgr.301. 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