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V .# n;vgWrisambWskv.9.tlul.i(m.݌!!$ Ќ  "i(m"  i(m~2JT  8  .3  Ԉ0    Hj;n:Einstaklingarhjskapsamkvmt_hjskaparlgum_ԀeWastaWfestrisamvistsem !% stofnaWvartilsamkvmtlgumumstaWfestasamvist.i(m~݌"& Ќ  "i(m"  i(m+2JT  9  .3  Ԉ0    :vgWsambW:SambWtveggjaeinstaklinga,semskrWerYj;Wskr,endaeigiYeir #Z' barnsaman,eigivonbarnisamaneWahafiveriWsambWsamfleyttlengureneittr.i(m+X݌M$% ( Ќ  "i(m "  i(m222JT  10  .3  Ԉ0    Tekjur:Tekjurskv.II.kaflalagaumtekjuskatt,aWteknutillititilkvWa28.gr.smu % ) lagaumhvaWekkitelsttilteknaog_frdrttarliWa_Ԁskv.1.,3.,4.og5.tlul.A-liWar1. %!* mgr.30.gr.og31.gr.smulagaeWaundantekningaogtakmarkanasamkvmtWrum &"+ srlgum.EinnigsamskonartekjursemaflaWererlendisogekkierutaldarframhr y'Q#, landi.i(m݌#D($- #Ќ  _"i(m "  i(m222JT  11  .3  Ԉ0    Atvinnutekjur:Endurgjaldfyrirhverskonarvinnu,starfeWaYj;nustuskv.1.tlul.A- - liWarogB-liW7.gr.lagaumtekjuskattsemoggreiWslureWabtursemkomastaWslks  endurgjalds.i(m݌ Ќ  "i(m "  i(m222JT  12  .3  Ԉ0    Lfeyrissj;Wstekjur:GreiWslurrskyldubundnumatvinnutengdumlfeyrissj;Wum,sbr. a lgumskyldutryggingulfeyrisrttindaogstarfsemilfeyrissj;Wa.i(m݌Y, Ќ  "i(m "  i(m[ 222JT  13  .3  Ԉ0    Fjrmagnstekjur:Tekjurskv.C-liW7.gr.lagaumtekjuskatt.i(m[ ݌$ Ќ    B.GildissviW.    3.gr.  X EfnislegtgildissviW. P #  !  LgYessigildaumlfeyrialmannatrygginga,greiWslurvegnaheimilismannadvalar-og    hjkrunarheimilum,greiWslurvegnabarnaogstuWningvegnasrstakraaWstWna.      4.gr. |O  Pers;nulegtgildissviW. G  #  Ssembsetturerhrlandi,sbr.6.tlul.2.gr.,telsttryggWuraWuppfylltumWrumskil   yrWumlagannanemaannaWleiWiafmillirkjasamningum.     TryggingaverndfellurniWurYegarbsetaerfluttfr0slandinemaannaWleiWiafmillirkja {  samningumeWakvWumYessakafla. sF   TryggingastofnunkvarWarhvorteinstaklingurtelsttryggWurhrlandisamkvmtlgun > um.Ummlskotferskv.100.!106.gr.     5.gr. r ЀSrkvWiumtryggingavernd. j= %  Einstaklingur,semtryggWurersamkvmtlgunum,getur;skaWeftiraWverafram 5 tryggWuralltaWfimmrY;tthannuppfylliekkiskilyrWi4.gr.,endastarfiviWkomandier  lendisfyriraWilasemhafiaWseturogstarfsemi0slandiogtryggingagjald,sbr.lgumtrygg  ingagjald,sgreitthrlandiaflaunumhans.Samagildirummakahansogbrnundir18 i raaldrisemdveljastmeWhonum. a4   Einstaklingur,semtryggWurersamkvmtlgunum,telstframtryggWuralltaWfimmr , Y;tthannuppfylliekkiskilyrWi4.gr.meWanhannstundarviWurkenntnmerlendis,endanj;ti  hannekkitryggingaverndaralmannatryggingumnmslandsins.Samagildirummakanms  mannssemvartryggWurhrlandiviWupphafnmsinsogbrnundir18raaldrisemmeW `  honumdveljast. X+!   Einstaklingur,semtryggWurersamkvmtlgunum,getur;skaWeftiraWverafram #" tryggWuralltaWeittrfrbrottfraflandinuY;tthannuppfylliekkiskilyrWi4.gr.,enda # leiWimillirkjasamningarekkitilannars.SkilyrWiYessaeraWviWkomandihafihaftsamfellda  $ fastabsetuhrlandieigiskemurenfimmrfyrirbrottfrogaWYaWsekkitilgangurfarar !W% aWleitalknismeWferWar. O""&   XegareinstaklingurfellurundirmillirkjasamningumalmannatryggingargildakvWi #' hansumYaWhvaWalggjfskulibeitt,sbr.118.gr. #(   SkjaskalumframhaldanditryggingaverndsamkvmtYessarigreintilTryggingastofn $ ) unar.UmmlsmeWferWferskv.VIII.kafla. {%N!*     F&"+   & a  6.gr. - Fl;ttamenn.  p.  Fl;ttamenn,sem'a-|.veitthefurveriWhlisamkvmtlgumumtlendingaogfengiWrttar  stWufl;ttamannahrlandi,erutryggWirsamkvmtlgumYessumfrkomudegi,aWYv a tilskilduaWfyrirliggistaWfestingBtlendingastofnunarYvaWviWkomandihafiveriWveitt Y, rttarstaWafl;ttamanns. $   7.gr.   Dnarb.  X 0  kvWiYessaralagagildaumdnarbeftirYvsemviW. P #    C.AlmennkvWi.     8.gr.   ReglugerWir. |O  u1  RWherraerheimiltaWsetjareglugerWirumeinstkatriWiervarWaframkvmdYessakafla, G  meWalannarsumrtttilaWnj;tatryggingaverndarhrlandi,rttindavinnslusrstkum   tilfellum,skrningutryggingarttindum,atvinnu,nmogtmabundnadvlerlendisogrtt   indifl;ttamanna. {    II.KAFLI  > GreiWslurtilaldraWra.   A.vinnslarttindaogskilyrWifyrirgreiWslum.   9.gr. r Ellilfeyrir. j= 3  RtttilellilfeyriseigaYeirsemeru67raeWaeldrioghafaveriWbsettirhrlandi,sbr. 5 I.kafla,a.m.k.Yrjalmanaksrfr16til67raaldurs.FullurellilfeyrirgreiWistYeimein  staklingumsemhafaveriWbsettirhrlandia.m.k.40almanaksrfr16til67raaldurs.  SumskemmritmaaWrWagreiWistellilfeyrirhlutfalliviWbsetutmann. i   HeimilteraWmiWalfeyrihj;na,semhvortumsighafauppfylltskilyrWi1.mgr.,viWb a4 setutmaYesssemlengrirttindatmaendahafiYaWhj;nasemhefurskemmribsetutma , ekkiunniWsrrtttillfeyrisWrulandifyrirsamatmabil.    HversemstundaWhefursj;mennsku25reWalengurskaleigartttkuellilfeyrisfr  ogmeW60raaldri,endanj;tiviWkomandihvorkirorkulfeyrisnrorkustyrksogskil `  yrWumYessarargreinareraWWruleytifullngt.Starfsrsj;mannaskalYessusambandi X+! miWastviWaWsj;maWurhafiveriWlgskrWurslensktskipeWaskipgerttafslenskum #" aWilumeigifrrien180dagaaWmeWaltaliri25r. #   Hafisj;maWurstundaWsj;mennsku25reWalenguraWhlutaeWalluleytiopnumbti  $ eWaYilfarsbtiundir12brl.eWahonumhafiafWrumstWumekkiboriWskyldatillgskrn !W% ingarerheimiltaWkvarWahonumellilfeyrifrogmeW60raaldri,endassannaWaWs O""& sj;mennskahafiveriWaWalstarfviWkomandimeWanhennist;W. #'   #( &     B.FjrhWirgreiWslnaogtekjur.  - 10.gr.  FjrhWir.  <  Fullurellilfeyrirskalvera1.932.540kr.riogreiknasthlutfalliviWbsetuhrlandi a skv.9.gr.Ellilfeyriskallkkaum45%aftekjumlfeyrisYegans,sbr.11.gr.,unslfeyririnn Y, fellurniWur. $ '-p<  11.gr.   Tekjur.  X ^>  TilteknasamkvmtYessumkaflalagannateljasttekjurskv.II.kaflalagaumtekjuskatt, P #  aWteknutillititilkvWa28.gr.smulagaumhvaWekkitelsttilteknaogfrdrttarliWaskv.    1.,3.,4.og5.tlul.A-liWar1.mgr.30.gr.og31.gr.smulagaeWaundantekningaogtak    markanasamkvmtWrumsrlgum.     XrttfyrirkvWi1.mgr.skuluekkiteljasttilteknabtursamkvmtlgumYessum,fjr |O  hagsaWstoWsveitarflagaoggreiWslurrsreignarlfeyrissparnaWiogviWb;tartryggingavernd, G  sbr.lgumskyldutryggingulfeyrisrttindaogstarfsemilfeyrissj;Wa,ogsambrilegarbtur   frrkjumsemgerWirhafaveriWsamningarviWskv.118.gr.     ViWtreikningfjrhWb;tasamkvmtYessumkaflalagannaskalekkireiknameWtekj {  ummaka.Fjrmagnstekjur,einsogYreruskilgreindar13.tlul.1.gr.,skiptastY;vallt sF tilhelmingamillihj;naogskiptirekkimlihvorthj;nannaereigandiYeirraeignasem > myndatekjurnareWahvortumsreigneWahjskapareigneraWrWa.Samagildirumfjr   magnstekjursambUlisf;lkssemuppfyllirskilyrWifyrirsamskttunskv.3.mgr.62.gr.laga  umtekjuskatt. r   C.TmiskvWi.  5 12.gr.  Hkkunvegnafrestunartkuellilfeyris.  D  XeirsemuppfyllaskilyrWifyrirgreiWsluellilfeyrisskv.1.mgr.9.gr.getafrestaWtkulf i eyrisallttil72raaldursogWlastmeWYvrtttilhkkunarvegnafrestunarinnarendahafi a4 YeirekkifengiWgreiddanlfeyritmabilinu. ,   EftiraWb;tartturhefurveriWreiknaWurtskalhkkaellilfeyrium0,5%fyrirhvernfrest  unarmnuWframtil72raaldurseWaaWhmarki30%.    13.gr. X+! StuWningurvegnasrstakraaWstWna. #" G  UmstuWningsemheimilteraWveitalfeyrisYegumvegnasrstakraaWstWna,svosem # vegnalgrateknaeWaaukinnatgjalda,ferskv.VI.kafla.  $   14.gr. O""& ReglugerWir. #'  I  RWherraerheimiltaWsetjareglugerWirumeinstkatriWiervarWaframkvmdYessakafla, #( meWalannarsumfjrhWirb;ta,tekjumrk,treikninggreiWslnaoghkkunvegnafrestunar $ ) tkulfeyris. {%N!*   F&"+   III.& X  KAFLI  - GreiWslurvegnaskertrarstarfsgetu.  A.vinnslarttinda,skilyrWifyrirgreiWslumogfjrhWir.   15.gr. a rorkulfeyrir. Y, J  RtttilrorkulfeyriseigaYeireinstaklingarsemhafaveriWbsettirhrlandi,sbr.I. $ kafla,erualdrinum18til67raog:  ! ! 3(5h80 _ikmo"i(m"  i(mOM25h  a  .3  Ԉ0    hafaveriWbsettirhrlandi'X-Ja.m.k.YrjsWusturinsamfleyttWurenums;knerlgW   frameWasamfleytteittrhafiumskjandiannaWhvortWurveriWbsetturhrlandi  X a.m.k.20reftir18raaldureWaaWlgmarkifimmreftir18raaldurendahafi P #  bsetaerlendiseftir18raaldurekkistaWiWlengurenfimmrogi(mOM|M݌   Ќ  "i(m"  i(mO25h  b  .3  Ԉ0    erumetnirtila.m.k.75%rorkutillangframavegnaafleiWingalknisfrWilegaviWur    kenndrasjkd;maeWaftlunar.i(mOP݌  Ќ    TryggingastofnunmeturrorkuYeirrasemskjaumrorkulfeyrisamkvmtsrstkum |O  rorkustaWli.HeimilteraWsetjaYaWskilyrWiaWumskjandigangistundirsrhftmat G  mguleikumtilendurhfingarogviWeigandiendurhfinguWurentilrorkumatskemur,sbr.   16.gr.     FullurrorkulfeyrirgreiWistYeimsemhafaveriWbsettirhrlandia.m.k.40almanaksr {  fr18raaldri.SumskemmritmaaWrWagreiWistrorkulfeyrirhlutfalliviWbsetu sF tmann.ViWkvrWunbsetutmaskalreiknameWtmannfrYeimtmasemrorkaskv.b-liW > 1.mgr.varmetinframtil67raaldursumskjanda.     Fullurrorkulfeyrirskalvera408.639kr.riogreiknasthlutfalliviWbsetuhrlandi  skv.1.og3.mgr.rorkulfeyriskallkkaskv.22.gr. r   16.gr. 5 EndurhfingargreiWslur.  U  XeirsemuppfyllaskilyrWia-liWar1.mgr.15.gr.getafengiWendurhfingargreiWslurallt  aW18mnuWiYegarekkiverWursWhverstarfshfniYeirraverWurtilframbWareftirsjk i d;maeWaslys.GreiWslurskuluinntarafhendigrundvelliendurhfingartlunar.SkilyrWi a4 fyrirgreiWslumeraWumskjanditakiYttendurhfingumeWstarfshfniaWmarkmiWisem , telstfullngjandiaWmatiframkvmdaraWilaogeigihvorkirtttillaunaveikindaleyfin  greiWslnafrsjkrasj;WumeWateljisttryggWursamkvmtlgumumatvinnuleysistryggingar.    HeimilteraWframlengjagreiWslutmabilskv.1.mgr.umalltaW18mnuWiefsrstakar `  stWurerufyrirhendi. X+!   UmfjrhWogtreikningendurhfingargreiWslnaferskv.3.og4.mgr.15.gr.Um #" greiWslurvegnabarnaogstuWningvegnasrstakraaWstWnafereftirsmureglumoggilda # umrorkulfeyri,sbr.Y;1.mgr.63.gr.Sjkrahsvistendurhfingarskyniskemureneitt  $ rsamfellthefurekkihrifgreiWslur. !W%   TryggingastofnunhefureftirlitmeWYvaWendurhfingartlunsframfylgtogaWskil O""& yrWifyrirgreiWslumsuaWWruleytiuppfyllt. #'   17.gr. $ ) Aldurstengdrorkuuppb;t. {%N!* 2\  Aldurstengdrorkuuppb;tgreiWistYeimsemfgreiddanrorkulfeyriskv.15.gr.,endur F&"+  hfingargreiWslurskv.16.gr.eWafullanrorkulfeyrisamkvmtlgumumslysatryggingar '", almannatrygginga.Umuppb;tinagilda&   kvWi15.gr.umrorkumat,bsetutmaoglkkun - vegnatekna'-].    FjrhWuppb;tar,sbr.3.mgr.,miWastviWYannaldursemeinstaklingurvarfyrstasinn  metinn75%ryrkiskv.1.mgr.15.gr.oglgumumslysatryggingaralmannatryggingaeWa a uppfyllirskilyrWi16.gr. Y,   FjrhWmnaWarlegraraldurstengdrarrorkuuppb;tar,sbr.1.mgr.,skalverahlutfallaf $ fullummnaWarlegumrorkulfeyriskv.15.gr.ogmiWastviWfWingardag,sbr.eftirfarandi:  *EUFddd Xdd Xdd X??,b ,+  ,"   ,18tilogmeW24ra 3)  3100% A7$    A25ra 3) X  395% A7$ X   A26ra 3)P #  390% A7$P #   A27ra 3)  385% A7$   A28og29ra 3)  375% A7$   A30og31rs 3)  365% A7$   A32og33ra 3)|O  355% A7$|O   A34og35ra 3)G  345% A7$G   A36og37ra 3)  335% A7$   A38og39ra 3)  325% A7$   A40tilogmeW45ra 3){  315% A7${   A46tilogmeW50ra 3)sF 310% A7$sF  A51tilogmeW55ra 3)>  37,5% A7$>!  A56tilogmeW60ra 3) " 35% A7$ #   A61tilogmeW66ra 3)$  32,5%4*(%   4    18.gr. j=& Tekjutrygging. 5' ei  TekjutrygginggreiWistYeimsemfgreiddanrorkulfeyriskv.15.gr.,endurhfingar ( greiWslurskv.16.gr.eWafullanrorkulfeyrisamkvmtlgumumslysatryggingaralmanna ) tryggingaaWuppfylltumWrumskilyrWumlaganna.TekjutrygginggreiWisthlutfalliviWb i* setutmahrlandi,sbr.3.mgr.15.gr. a4+   Fulltekjutryggingskalvera1.308.604ri.Tekjutrygginguskallkkaskv.22.gr. ,,   19.gr. . Heimilisuppb;t. `/ k  HeimilteraWgreiWaeinhleypumlfeyrisYegaheimilisuppb;t,sembUreinnogereinnum X+0 heimilisreksturnYessaWnj;tafjrhagslegshagrWisafsambUlieWasamlgumviWaWraum #1 hsnWisaWstWueWafWiskostnaW. 2   Fullheimilisuppb;tskalvera380.025kr.ri.Heimilisuppb;tskallkkaeftirsmu  3 reglumogtekjutryggingskv.18.gr. !W4   20.gr. #6 rorkustyrkur. #7 _n  rorkustyrkurgreiWistYeimsemerualdrinum18!62raefrorkaYeirraermetina.m.k. $ 8 50%ogaWuppfylltubsetuskilyrWi1.mgr.15.gr.SlkanstyrkskalennfremurveitaYeim {%N!9 semuppfyllirskilyrWi1.mlsl.ogstundarfulltstarfefrorkanhefurfrmeWsrverulegan F&":  aukakostnaW. '"; &      GreiWaskaleinstaklingisemnWhefur62raaldri,uppfyllirbsetuskilyrWi1.mgr.15.gr. - ogermetinna.m.k.50%ryrki,rorkustyrksemskalsvaratilfullsrorkulfeyrisskv.'-hp15.  gr.    Fullurrorkustyrkurskalvera302.100kr.ri.rorkustyrkurlkkareftirsmureglum a ogrorkulfeyrirskv.15.gr. Y,   B.TekjurogtreikningurgreiWslna.   21.gr.   Tekjur.  X Xr  TilteknasamkvmtYessumkaflalagannateljasttekjurskv.II.kaflalagaumtekjuskatt, P #  aWteknutillititilkvWa28.gr.smulagaumhvaWekkitelsttilteknaogfrdrttarliWaskv.    1.,3.,4.og5.tlul.A-liWar1.mgr.30.gr.og31.gr.smulagaeWaundantekningaogtak    markanasamkvmtWrumsrlgum.X;skaleftirfarandigildaviWkvrWuntekjugrund   vallar: |O  ! ! 3(5h883"i(m"  i(mu25h  a  .3  Ԉ0    Atvinnutekjur,sbr.11.tlul.2.gr.,umfram328.800kr.riskuluteljasttilteknaviW G  treikningfjrhWtekjutryggingar.i(muu݌  Ќ  "i(m"  i(mw25h  b  .3  Ԉ0    Lfeyrissj;Wstekjur,sbr.12.tlul.2.gr.,umfram328.800kr.riskuluteljasttiltekna   viWtreikningfjrhWtekjutryggingar.i(mwJw݌{  Ќ  "i(m"  i(mx25h  c  .3  Ԉ0    Fjrmagnstekjur,sbr.13.tlul.2.gr.,umfram98.640kr.riskuluteljasttilteknaviW sF treikninglfeyris,tekjutryggingar,heimilisuppb;taroguppb;tasamkvmtYessum > kaflalaganna.Efumhj;neraWrWaskiptasttekjurskv.1.mlsl.tilhelmingamilli   hj;naviWtreikningb;tanna.Skiptirekkimlihvorthj;nannaereigandiYeirraeigna  semmyndatekjurnareWahvortumsreigneWahjskapareigneraWrWa.Samagildirum r fjrmagnstekjursambUlisf;lkssemuppfyllirskilyrWifyrirsamskttunskv.3.mgr.62. j= gr.lagaumtekjuskatt.i(mxx݌5 Ќ    XegarumeraWrWabtursamkvmtYessumkaflateljastekkitiltekna,YrttfyrirkvWi  1.mgr.,btursamkvmtlgumYessumoglgumumflagslegaaWstoW,fjrhagsaWstoW  sveitarflagaoggreiWslurrsreignarlfeyrissparnaWiogviWb;tartryggingavernd,sbr.lgum i skyldutryggingulfeyrisrttindaogstarfsemilfeyrissj;Wa.Samagildirumsambrilegar a4 bturfrrkjumsemgerWirhafaveriWsamningarviWskv.118.gr. ,   22.gr.  BtreikningurgreiWslna. `  ~  rorkulfeyriskallkkaeftekjurlfeyrisYegaskv.21.gr.eruhrrien2.575.220kr.ri. X+! Eftekjureruumframumrddmrkskallkkarorkulfeyrium25%Yeirrateknasemum #" frameruunshannfellurniWur. #   HafilfeyrisYegitekjurskv.21.gr.skallkkatekjutrygginguum38,35%Yeirrateknauns  $ hnfellurniWur. !W%   ViWtreikningfjrhWb;tasamkvmtYessumkaflalagannaskalekkireiknameWtekj O""& ummaka,sbr.Y;2.mgr.21.gr. #'   SamanlgWlkkunrorkulfeyrisogtekjutryggingarskalaldreifaraumfram38,35%af #( tekjum.KomisamtmistillkkunarYessarab;taskallfeyrirfyrstlkkaWurogsamsvarandi $ ) dregiWrlkkuntekjutryggingar.kvWiYessararmlsgreinarumlkkungildaekkium {%N!* heimilisuppb;tskv.19.gr. F&"+   '",   & a  23.gr. - TekjuviWmiWunlfeyrisYegasemfengiWhafaeingreiWsluskaWab;ta.  c  ViWtreikningrorkulfeyrisogtekjutryggingar'a-o,sbr.15.og18.gr.,errWherraheimilt  aWhkkatekjuviWmiWunYeirralfeyrisYegasemfengiWhafaeingreiWsluskaWab;tavegna a rorkuaWfrdregnumtluWumrorkulfeyriogtekjutryggingutilframtWarfrTrygginga Y, stofnun. $   C.TmiskvWi.    24.gr.  X StuWningurvegnasrstakraaWstWna. P #  ҅  UmstuWningvegnasrstakraaWstWna,svosemvegnalgrateknaeWaaukinnatgjalda,    semheimilteraWveitalfeyrisYegumogYeimsemfendurhfingargreiWslurferskv.VI.    kafla.     25.gr. G  rorkumatYegarrorkavegnaslysshefurWurveriWmetin.     ViWmatogkvrWunrorkustigsskv.2.mgr.15.gr.skaleingngutekiWmiWafalmennri   rorku.HafiumskjandiWurveriWmetinntilrorkusamkvmtlgumumslysatryggingar {  almannatryggingaskalsrorkaekkiteljasttilhkkunarviWmatiW. sF   26.gr.   BtreikningurgreiWslnaYegarlfeyrisYegihefurfengiWgreiddanslysalfeyri.    HafilfeyrisYegiYegarfengiWgreiddanlfeyrisamkvmtlgumumslysatryggingaral r mannatryggingaskaltakatillittilYessviWtreikningrorkulfeyrisvegnaalmennrarrorku j= fyrirsamatmabil. 5   27.gr.  StWvungreiWslna. i T  HeimilteraWstWvagreiWslub;tasemtlaWarerugreiWsluYegasjlfumefhlutaWeigandi a4 vanrkiraWfaraaWlknisrWumeWaneitaraWhltafyrirmlumumYtttkuYjlfuneWa , starfsnmisemgtibttafkomuhanseWabiWhannundirnUttstarf.    28.gr. `  rorkuskrteini. X+! 9  TryggingastofnungefurtrorkuskrteinitilYeirrasemuppfyllaskilyrWib-liWar1.mgr. #" 15.gr.ogerujafnframtsjkratryggWirhrlandisamkvmtlgumumsjkratryggingar. #   29.gr. !W% Matendurhfingarmguleikumogrorku. O""&   TryggingastofnunerheimiltaWsemjaviWlknautanstofnunarinnarumsrhftmat #' endurhfingarmguleikumumskjendaogrorku.XerstofnuninniheimiltaWsemjaum #( kostnaWvegnamatsmguleikumtilendurhfingar. $ )   {%N!*   & ,  30.gr. - ReglugerWir.  ]  RWherraerheimiltaWsetjareglugerWirumeinstkatriWiervarWaframkvmdYessakafla,  m.a.umfjrhWirb;ta,tekjumrk,rorkustaWal,aldurstengdarorkuuppb;t,rorkustyrki',-i, a hkkuntekjuviWmiWsYeirralfeyrisYegasemfengiWhafaeingreiWsluskaWab;ta,treikning Y, greiWslnaogendurhfingargreiWslur,Y.m.t.hvaWaaWilaskulifaliWaWannastgerWendurhf $ ingartlunar.    IV.KAFLI   X GreiWslurvegnaheimilismannadvalar-oghjkrunarheimilum. P #  A.StWvunlfeyrisgreiWslnavegnadvalarstofnun.     31.gr.    DvlstofnunfyriraldraWa.   %  LfeyrirsamkvmtYessumlgumogbturhonumtengdarfallaniWurfrfyrstadegi |O  nstamnaWareftirupphafdvalarlfeyrisYegadvalarheimilisemekkierfstumfjrlg G  um.GreiWslalfeyrisogtengdrab;taskalhefjastaWnUjufyrstadagnstamnaWareftiraW   dvlheimilismannslUkur.HeimilterY;aWvkjafrtmamrkumskv.1.mlsl.efsrstaklega   stendurogskalviWmatframlengingugreiWslulfeyrisogb;tumhonumtengdumhfW {  hliWsj;naftekjumskv.38.gr. sF   32.gr.   Dvlsjkrahsi,hjkrunarheimilioghjkrunarrUmum.    EflfeyrisYegidvelstlengurenmnuWsamfelltsjkrahsisemerfstumfjrlgum r fellurlfeyrirhansogbturhonumtengdarniWurefvistinhefurvaraWlengurensexmnuWi j= undanfarnat;lfmnuWi.Eflj;sterfrupphafiaWumvaranlegadvlhjkrunarheimilieWa 5 hjkrunarrUmildrunarstofnunareraWrWafallabturniWurfrfyrstadeginstamnaWar  eftirupphafdvalar.HeimilterY;aWvkjafrtmamrkumskv.1.mlsl.efsrstaklegastend  urogskalviWmatframlengingugreiWslulfeyrisogb;tumhonumtengdumhfWhliW i sj;naftekjumskv.38.gr. a4   33.gr.  UpplUsingaskyldasjkrahsaogstofnana.    Sjkrahsogstofnanirskv.34.gr.skulumnaWarlegasendaTryggingastofnunupplUs `  ingarumvistun. X+!   B.Daggjldogdvalarframlag.  # 34.gr.  $ Daggjld. !W% ڛ  RWherrakveWurmeWreglugerWdaggjldfyrirhjkrunar-,dvalar-ogdagvistarrUmisem O""& ekkierufstumfjrlgum. #'   TryggingastofnunerheimiltaWgreiWadaggjldfyrirhjkrunarrUmivegnaeinstaklinga #( semerusjkratryggWirhrlandifrupphafidvalarenumgreiWslurvegnaandlts,brott $ ) flutningsogsjkrahsvistarfersamkvmtreglugerW. {%N!*   F&"+   & ,  35.gr. - Dvalarframlag.    TryggingastofnunerheimiltaWgreiWadvalarframlagtildvalarheimilisfyriraldraWasem  ekkierfstumfjrlgumsemnemurmismun',-ԀgreiWsluYtttkuheimilismanns,sbr.37.gr., a ogYvsemvantarheildardvalarkostnaW,samrmiviWlgYessi.DvalarframlagskalY; Y, aldreinemahrrifjrhWennemurdaggjldumeinsogYauerukveWinafrWherrahverju $ sinniskv.34.gr.    DvalarframlagerheimiltaWgreiWafrupphafidvalar.ViWandltheimilismannseWaYegar   heimilismaWurflyturafdvalarheimilifallagreiWslurdvalarframlagsniWurfrfyrstadeginsta  X mnaWareftirlokdvalar. P #    FariheimilismaWursjkrahstilskammtmainnlagnarYerheimiltaWgreiWafram    haldandidvalarframlagtnstamnuWeftiraWinnlgninsrstaW.      36.gr. |O  Flutningurheimilismanns. G  C  FlytjistheimilismaWurafdvalarrUmiyfirhjkrunarrUmiogskalYdvalarframlagsem   YegarhefurveriWgreitttildvalarheimilisfyrirsamatmadragastfrdaggjaldisemTrygg   ingastofnunhefurgreittfyrirhjkrunarrUmiWsamkvmtreglugerW. {    C.GreiWsladvalarkostnaWar.  > 37.gr.   GreiWsluYtttakadvalarkostnaWi.     HeimilismaWursemhefurtekjur,sbr.38.gr.,umfram75.566kr.mnuWiskaltakaYtt r greiWsludvalarkostnaWarstofnunfyriraldraWa.X;skalgreiWsluYtttakahansaldreinema j= hrrifjrhWensemnemurdaggjldumstofnuneinsogYauerukveWinafrWherra,sbr. 5 34.gr.    EftirfarandigildirumgreiWsluheimilismannsdvalarkostnaWidvalarheimilioghjkr  unarheimilieWahjkrunarrUmildrunarstofnunarsemekkierfstumfjrlgumoghjkr i unarrUmisemerfstumfjrlgumYegarheimilismaWurgreiWirdvalarkostnaWmeWtekjum a4 snumaWhlutaeWalluleyti: , ! ! q("283"i(m"  i(m2"  1  .3  Ԉ0    HafiheimilismaWurtekjur,sbr.38.gr.,semeruhrrien75.566kr.mnuWiskalhann  meWYeimtekjumsemumframerutakaYttdvalarkostnaWi,sbr.1.mgr.,frYeimtma  semgreiWslurb;tafrTryggingastofnunfallaniWur.i(mީ݌`  Ќ  "i(m"  i(m2"  2  .3  Ԉ0    Nitekjurheimilismannsdvalarheimiliskv.1.tlul.1.mgr.14.gr.lagaummlefni X+! aldraWraekki75.566kr.mnuWigreiWirTryggingastofnundvalarkostnaWhansmeW #" dvalarframlagi.i(m݌# Ќ    38.gr. !W% Tekjur. O""&   TilteknasamkvmtYessumkaflalagannateljasttekjurskv.II.kaflalagaumtekjuskatt, #' aWteknutillititilkvWa28.gr.smulagaumhvaWekkitelsttilteknaogfrdrttarliWaskv. #( 1.,3.,4.og5.tlul.A-liWar1.mgr.30.gr.og31.gr.smulagaeWaundantekningaogtak $ ) markanasamkvmtWrumsrlgum. {%N!*   XrttfyrirkvWi1.mgr.skuluekkiteljasttilteknabtursamkvmtlgumYessum,fjr F&"+  hagsaWstoWsveitarflagaoggreiWslurrsreignarlfeyrissparnaWiogviWb;tartryggingavernd, '", sbr.lg&   umskyldutryggingulfeyrisrttindaogstarfsemilfeyrissj;Wa,ogsambrilegarbtur - frrkjumsemgerWirhafaveriWsamningarviWskv.118.gr.'-    ViWtreikningfjrhWb;tasamkvmtYessumkaflalagannaskalekkireiknameWtekj  ummaka. a   TekjumrksamkvmtYessarigreinbreytastsamrmiviWbreytingartekjumrkumelli Y, lfeyrisskv.II.kafla. $   39.gr.   InnheimtadvalarkostnaWar.  X   Daggjaldastofnunskv.1.og2.tlul.1.mgr.14.gr.lagaummlefnialdraWraskalinn P #  heimtahjheimilismannisjlfumbyrjunhversmnaWardagleganhluthansdvalarkostnaWi    nUliWinsmnaWarYegarhanntekurYttgreiWsludvalarkostnaWarskv.37.gr.XessskaltW    gttaWheimilismaWurhaldieftirmnaWarlegurWstfunarfskv.37.gr.Stofnunskalgera   TryggingastofnungreinfyririnnheimtuvegnanUliWinsmnaWarfyrir15.dagnstamnaWar. |O  NtekststofnunekkiaWinnheimtahlutheimilismannsdvalarkostnaWiogerTrygginga G  stofnunYheimiltaWhaldaeftirsamsvarandihlutaafmnaWarlegumgreiWslumdvalarfram   lagstilviWkomandistofnunar.     Stofnunsemerfstumfjrlgumskalinnheimtahjheimilismannisjlfumbyrjun {  hversmnaWarhluthansdvalarkostnaWi,sbr.3.mgr.,nUliWinsmnaWarYegarhanntekur sF YttgreiWsludvalarkostnaWarskv.37.gr.TekjurYessarskulufrastb;khaldstofnunarsem > srtekjur.XvrWuneytisemfermeWfjrreiWurrkisinserheimiltsamkvmtupplUsingumfr   YvrWuneytisemfermeWvelferWarmlaWhaldaeftirafbeinumfjrframlgumsamkvmt  fjrlgumfjrhWsemsvarartilYessarasrtekna. r   RWherraskalkveWahmarkgreiWsluYtttkuheimilismannsdvalarkostnaWistofnun j= semerfstumfjrlgum.ViWkvrWunskalhfWhliWsj;nafkvrWundaggjaldaeinsog 5 YauerukveWinskv.34.gr.    40.gr. i Btreikningur,endurreikninguroguppgjrgreiWsluYtttkuheimilismanna. a4   TryggingastofnunannastframkvmdtreikningstekjumoggreiWsluYtttkuheimilis , mannadvalarkostnaWisamkvmtYessumkafla.    TilgrundvallartreikningigreiWsluYtttkuheimilismannshversmnaWarskalleggja  s`1`sHHzM`12`zM/$$//aftluWumtekjumgreiWslursins.GreiWslureralmanaksr.tlunumtekjuupplUsingar `  skalbyggjastnUjustuupplUsingumfrskattyfirvldum,umskjanda,heimilismannieWa X+! WrumYeimaWilumsemgetiWerum92.gr.EfumnUjantreikninggreiWsluYtttku #" heimilismannseraWrWaskulutekjurtlaWargrundvelliupplUsingafrframangreindum # aWilumoggreiWsluYtttakareiknuWtfrYeimtekjumheimilismannsogeftiratvikummaka  $ hanssemaflaWerfrupphafidvalar. !W%   TryggingastofnunhefureftirlitmeWYvaWtlaWartekjursusamrmiviWupplUsingar O""& semstofnuninaflarrstaWgreiWsluskrskattyfirvaldaeWafrWrumYeimaWilumsemgetiW #' erum92.gr. #(   EftiraWendanlegarupplUsingarumtekjurgreiWslursinsliggjafyrirviWlagninguskatt $ ) yfirvaldaopinberumgjldumskalTryggingastofnunendurreiknafjrhWgreiWsluYtttku {%N!* grundvelliteknasamkvmtYessarigrein.ViWYannendurreikningerTryggingastofnun F&"+ heimiltaWtakatillittilalmennrabreytingalaunumfrYeimtmasemtlaWartekjurheim '", ilismannstilheyratilYesstmasemendanlegartekjurvarWa. '#-   Komilj;sviWendurreikningaWgreiWsluYtttakaheimilismannshafiveriWoftluWaf - TryggingastofnunskalstofnuningreiWaheimiliYaWsemuppvantar.HafigreiWsluYtttaka  veriWvantluWskalumendurheimtufaraskv.78.!80.gr.StofnunskalleiWrttagreiWslur  tilheimilismannsframhaldiafendurreikningiTryggingastofnunar. a   TryggingastofnunskalupplUsaheimilismannumforsendurtreikningsoggefakostaW Y, komaaWathugasemdum.UmupplUsingaskylduvarWanditekjurferskv.91.og92.gr. $   Tryggingastofnunerheimilt,aW;skheimilismanns,aWdreifaeigintekjumheimilismanns  ins,semstafaaffjrmagnstekjumsemleystarhafaveriWteinulagi,alltaWtur.Ekki   erheimiltaWdreifaslkumtekjumoftareneinusinnihverjutmabili.SsemnUturgreiWslu  X dreifingarviWupphafdvalarskalnj;tahennarfram. P #    XegarnUrheimilismaWurkemurtildvalarstofnun,sbr.1.og2.tlul.1.mgr.14.gr.laga    ummlefnialdraWra,skulustj;rnendurstofnunarinnar;skaeftirYvviWTryggingastofnun    aWhnkannihvortviWkomandiskulitakaYttgreiWsludvalarkostnaWar.     Umtreikning,endurreikningoguppgjrgreiWsluYtttkuheimilismannagildaaWWru |O  leytikvWireglugerWar,meWalannarsumtlunteknaheimilismanna,breytingaraW G  stWumYeirraogendurreikningviWlagninguopinberragjaldaogdvlhlutarmnuWi.     EkkiskulugreiddirvextirvangreittdvalarframlageWadaggjldtilstofnana.     D.RWstfunarfogdagpeningarutanstofnana.  sF 41.gr. > RWstfunarf.     XegarlfeyrirogbturhonumtengdarfallaniWurskv.31.eWa32.gr.erheimiltaWgreiWa  YeimsemdvelstsjkrahsihrlandieWastofnunfyriraldraWaalltaW584.412kr.ritil r eiginrWstfunar.ViWtreikningfjrhWrWstfunarfjrskulu65%aftekjum,sbr.38.gr., j= komatillkkunar.GreiWslurrWstfunarfjrfallaniWurYegartekjurnema899.095kr.ri. 5   42.gr.  Dagpeningarutanstofnana. i H  NdvelstheimilismaWursemfrgreittrWstfunarfutanstofnunarnokkradagasenn a4 entskrifastsamtekkiogerYheimiltaWgreiWadagpeningasemnema2.650kr.dagYann , tma.    E.TmiskvWi.  `  43.gr. X+! GreiWslurfyrirdagdvlaldraWra. #"   Xeirsemnj;taYj;nustudagdvalarsamkvmtlgumummlefnialdraWraskulutakaYtt # kostnaWiafdagdvlinniaWhmarkisemnemurfullumgrunnlfeyrieinstaklingsskv.15.gr.  $ AWWruleytigreiWistkostnaWurvegnadagdvalarafTryggingastofnun. !W%   44.gr. #' ReglugerWir. #(   RWherraerheimiltaWsetjareglugerWirumeinstkatriWiervarWaframkvmdYessakafla, $ ) meWalannarsumgreiWsluYtttkuheimilismannadvalarkostnaWi,fjrhWirogtekjumrk, {%N!* daggjlddvalarheimilafyriraldraWa,innheimtudvalarkostnaWar,treikning,endurreikning F&"+ oguppgjrdvalarframlagsogrWstfunarf. '",  '#-   V.KAFLI -  GreiWslurvegnabarna.  A.vinnslarttinda,skilyrWifyrirgreiWslumogfjrhWirgreiWslna.   45.gr. a Barnalfeyrirvegnarorkuogandlts. Y,   BarnalfeyrirergreiddurmeWbrnumyngrien18raefannaWhvortforeldraerltiWeWa $ uppfyllirskilyrWib-liWar1.mgr.15.gr.umrorkumat,hafiannaWhvortforeldraYesseWa  barniWsjlftbiWhrlandia.m.k.YrjsWusturinWurenums;knerlgWfram.SubWir   foreldrarltnireWauppfyllaskilyrWiskv.1.mlsl.umrorkumatskalgreiddurtvfaldur  X barnalfeyrir.HvorkikvWi10.n22.gr.takmarkartttilbarnalfeyris. P #    BarnalfeyrirgreiWistforeldrumbarnanna,endasuYauframfriYeirra,eWaYeimWrum    erannastframfrsluYeirraaWfullu,sbr.Y;55.gr.      46.gr. |O  ViWb;tviWrorkustyrk. G    GreiWaskalviWb;tviWrorkustyrktilYeirrasemhafabrninnan18raaldursframfri   snu.ViWb;tinmekkiverahrrien75%afbarnalfeyri,sbr.50.gr.,fyrirhvertbarnfram   fri. {    47.gr. > GreiWslameWbarniellilfeyrisYega.   &  GreiWaskalbarnalfeyrimeWbarniellilfeyrisYega.SamaviWefgreiWslurhafafalliW  niWurskv.31.og32.gr. r   48.gr. 5 GreiWslameWbarnifanga.  c  HeimilteraWgreiWabarnalfeyrimeWbarnieinstaklingssemstirgsluvisteWaafplnar  fangelsisrefsingu,endahafihnvaraWa.m.k.YrjmnuWisamfellt. i     49.gr. , GreiWslavegna;feWraWrabarna.    GreiWaskalbarnalfeyriaWfenginnistaWfestinguumaWbarnverWiekkifeWraW.    50.gr. X+! FjrhWbarnalfeyris. #"   rlegurbarnalfeyrirmeWhverjubarniskalvera302.100kr. #   51.gr. !W% StuWningurvegnanms. O""&   HeimilteraWgreiWaungmennialdrinum18!20rasembsetterhrlandistuWning #' vegnask;lanmseWastarfsYjlfunarefannaWforeldrieWabWireruelli-eWarorkulfeyris #( YegareWaltnir. $ )   VerWirskurWiskv.1.mgr.62.gr.barnalagaeigiviWkomiWvegnaefnaleysisforeldriseWa {%N!* ekkitekstaWhafauppiYverheimiltaWgreiWastuWningskv.1.mgr.tilungmennissem F&"+  stundarsannanlegtnmsamrmiviWYessamlsgrein.SamagildirefrskurWurgrundvelli '", 1.&   mgr.62.gr.barnalagaliggurfyrirenungmenninuer;kleiftaWinnheimtagreiWslursam - kvmthonum.'-    Tryggingastofnunmetursnnunumsk;lavistogstarfsYjlfun.SkilyrWieraWnmiWog  Yjlfunintakia.m.k.fimmmnuWihvertr. a   ViWkvrWunumhvortveitaskulistuWningsamkvmtYessukvWiskalltatilefnahags Y, ogteknaungmennis. $   FjrhWstuWningssamkvmtYessukvWiskalnemasmufjrhWogfjrhWbarna  lfeyrisskv.50.gr.     52.gr. P #  StyrkirtileinstWraframfrenda.      StyrkirsamkvmtkvWiYessugreiWasteinstWumforeldrumsemhafabrnsnundir    18raaldriframfriogerubsetthrlandi.SamagildirumaWraYsemannasteinir   framfrslubarnaundir18raaldriogfaravaranlegameWforsjYeirra.SsemgreiWirmeW |O  lagmeWbarnitelstekkiframfrandiYessusambandi. G    rlegirstyrkirtileinstWraframfrendaskuluvera84.180kr.meWtveimurbrnumog   227.379kr.meWYremurbrnumeWafleiri.     XegarlfeyrirfellurniWurskv.IV.kaflaerheimiltaWgreiWamakalfeyrisYegansstyrkskv. {  1.mgr.aWuppfylltumWrumskilyrWum.SamaviWumgreiWslurtilmakaeinstaklingssem sF dmdurhefurveriWtilvistunar,sbr.71.gr.,endahafivistuninvaraWsamfellta.m.k.fj;ra > mnuWi.     Styrkurskv.1.mgr.fellurniWureinurieftiraWgreiWsluYegihefur;vgWasambWmeW  WrumenforeldribarnsinseWabarnanna,sbr.9.tlul.2.gr.og73.gr.NhefurviWtakandi r greiWslnanna;vgWasambWmeWhinuforeldribarnsinseWabarnanna,fyrrverandisam j= bUlisaWilaeWagengurhjskapogfallaYgreiWslurnarstraxniWur. 5   53.gr.  FyrirframgreiWslameWlagsogaWrargreiWslursamkvmtbarnalgum. i Q  HverssemfrrskurWstj;rnvaldsummeWlagmeWbarnisemhannhefurframfrisnu a4 eWaumaWrargreiWslurskv.IX.kaflabarnalaga,getursniWsrtilTryggingastofnunarog , fengiWfyrirframgreiWslumeWlagseWaannarraframfrsluframlagasamkvmtrskurWinum.  SamaskalgildaYegarlagterframstaWfestsamkomulagummeWlagsgreiWslurogaWrar  greiWslurskv.IX.kaflabarnalaga.FyrirframgreiWslameWlagsfrTryggingastofnunskalvallt `  verainnanYeirramarkasemframkoma45.og50.gr.umaldurbarnaogfjrhWgreiWslna. X+!   samahttskalbarnsm;Wirfsamkvmtstj;rnvaldsrskurWieWastaWfestusamkomulagi #" greitthjTryggingastofnun: # ! ! 3(5h82q"i(m"  i(m425h  a  .3  Ԉ0    FramfrslulfeyrialltaWYrjmnuWiskv.1.mgr.25.gr.barnalaga.i(m4a݌ $ Ќ  "i(m"  i(m`25h  b  .3  Ԉ0    Hjkrunar-ogframfrslustyrkalltaWnumnuWiskv.2.mgr.25.gr.barnalaga.i(m`݌!W% Ќ  "i(m"  i(m25h  c  .3  Ԉ0    KostnaWvegnameWgnguogfWingarskv.1.mgr.26.gr.barnalaga.i(m݌O""& Ќ    XegareftiraWsUslumaWurhefurveittviWtku;skfrm;WurumaWaflaWverWifaWernis #' viWurkenningarhjlUstumbarnsfWurgeturhnfengiWmeWlaggreittmeWbarninuinnan #( Yeirramarkaer45.og50.gr.setja. $ )   XeirsemannastframfrslubarnsaWforeldriltnueWaafWrumlgmtumstWum,Y. {%N!* m.t.sveitarstj;rnframfrslusveitbarnsinshafihngreittftilframfrsluYess,eigasama F&"+ rttogforeldrieftirYvsemviWgeturtt. '",  '#-   54.gr. - AfturvirkarmeWlagsgreiWslur.  q  HeimilteraWgreiWameWlagafturtmannalltaWt;lfmnuWi,taliWfrbyrjunYessmn  aWarsemstj;rnvaldsrskurWur,staWfestursamningureWavottorWsUslumannsumaWhannhafi a veittviWtku;skm;WurumflunfaWernisviWurkenningarberststofnuninni,endaeigiY49. Y, gr.ekkiviW. $   HafimeiraentveirmnuWirliWiWfrtgfumeWlagskvrWunar,sbr.1.mgr.,Yegars;tt  erumgreiWslumeWlagsafturtmann,skalTryggingastofnungreiWameWlagfrbyrjunYess   mnaWarsemums;knognauWsynlegfylgiggnberast.X;erstofnuninniheimiltaWgreiWa  X meWlagalltaWt;lfmnuWiafturtmannendaliggifyriraWumskjandihafiekkifengiW P #  greittfyrirsamatmabil.      B.TmiskvWi.    55.gr. |O  SamskiptiviWInnheimtustofnunsveitarflagaogskilvegna;innheimtraskulda. G    TryggingastofnunskalsendaInnheimtustofnunsveitarflagainnaneinsmnaWartil   kynninguumfyrstugreiWsluskv.53.gr.TilkynningunniskalfylgjaafritafyfirvaldsrskurWi   eWastaWfestumsamningi. {    InnheimtustofnunsveitarflagaendurgreiWirTryggingastofnungreiWslurskv.1.!3.mgr. sF 53.gr.mnaWarlegaeftirYvseminnheimtist.Umskilvegna;innheimtraskuldafereftir > kvWumlagaumInnheimtustofnunsveitarflaga.     Rkissj;WurendurgreiWirTryggingastofnunmeWlgvegnameWlagsgreiWendasemfram  frslurtteigaerlendisoginnheimtastekki,svoogmeWlggreiddskv.54.gr.YartilmeW r lagsrskurWurliggurfyrir. j=   XegarsvohttartilaWTryggingastofnunhefurmillignguummeWlagsgreiWslurmeWbarni 5 skv.1.mgr.53.gr.oghiWmeWlagsskyldaforeldriWlastrtttilbarnalfeyrisvegnabarnsins  erstofnuninniY;heimiltaWltagreiWslubarnalfeyrisgangatilfyrirframgreiWslumeWlags  vegnasamatmabils.VerWurYekkiumkrfuhendurmeWlagsskyldumaWilaaWrWafyrir i YaWtmabil. a4   56.gr.  ReglugerWir.    RWherraerheimiltaWsetjareglugerWirumeinstkatriWiervarWaframkvmdYessakafla, `  meWalannarsumfjrhWirb;taogannarragreiWslna,styrkitileinstWraforeldra,stuWning X+! vegnanmsungmenna,framkvmdmeWlagsgreiWslnaogannarraframfrsluframlaga,fyrir #" framgreiWslumeWlagsYegarforeldrieWabrnerubsetterlendissemogumhmarksgreiWslur # semTryggingastofnuninnirafhendi.  $   VI.KAFLI O""&  StuWningurvegnasrstakraaWstWna. #' A.MarkmiWoggildissviW . #( 57.gr. $ ) MarkmiW. {%N!*   MarkmiWsamkvmtYessumkaflaeraWveitalfeyrisYegumsemhafatekjurundirlg F&"+ marksframfrsluviWmiWi,einsogYaWerkveWiWmeWlgumYessum,stuWningYeimtilfram '", frslu.XerYaWmarkmiWaWveitasjkumogftluWuf;lkisrstakanstuWningvegnaaukinna '#- tgjaldaoggerahreyfihmluWumeinstaklingumkleiftaWstundaatvinnueWanmogaWskja - reglubundnaendurhfingueWalknismeWferW.    StuWningursamkvmtYessumkaflatekurmiWafflagslegumogefnahagslegumaWstW  umhrlandiogskalviWmatYrfogkvrWungreiWslnalitiWheildsttttilallrafjrhags a legraogflagslegraaWstWnahlutaWeigandi,einsognnarerkveWiWumkaflanum. Y,   & a 58.gr.  EfnislegtgildissviW.     GreiWslursamkvmtYessumkaflatakatiluppb;ta'alfeyrivegnaframfrslu,uppb;ta  X lfeyrivegnakostnaWar,uppb;tavegnahreyfihmlunar,styrkjatilbifreiWakaupa,endur P #  greiWsluumtalsverWskostnaWarviWlknishjlpoglyf,umnnunargreiWslna,umnnunarb;ta    ogdnarb;ta.      59.gr. |O  Pers;nulegtgildissviW. G     GreiWslursamkvmtYessumkaflaerueingnguveittarYeimsemeigalgheimiliogeru   bsettirhrlandi,sbr.6.tlul.2.gr.og4.gr.ogaWuppfylltumWrumskilyrWumlaganna   ogreglugerWasemsettarerumeWstoWYeim.GreiWslursamkvmtYessumkaflaeruekki {  veittarYeimsemfallaundir5.gr.YegarbsetaerlendishefurvaraWeittreWalengur. sF   B.Uppbturlfeyri.    60.gr.  Uppb;tvegnaframfrslu. r v   HeimilteraWgreiWalfeyrisYegasrstakauppb;tlfeyrivegnaframfrsluefsUntYykir j= aWhanngetiekkiframfleyttsrnhennar. 5   ViWmatYvhvorteinhleypurlfeyrisYegisembUreinngetiframfleyttsrnsrstakrar  uppb;tarskalmiWaviWaWheildartekjursuundir210.922kr.mnuWi.0Wrumtilfellum  skalmiWaviWaWheildartekjursuundir181.769kr.mnuWi. i   TilheildarteknasamkvmtkvWiYessuteljast45%aftekjum,sbr.10.tlul.2.gr.Skatt a4 skyldargreiWslursamkvmtlgumYessumteljastmeWaWfulluviWtreikninguppb;tarinnar, , enY;skalekkitakatillittilhkkunarvegnafrestunartkuellilfeyrisskv.12.gr.ogupp  b;taskv.61.gr.og2.mgr.62.gr.viWtreikninginn.SamagildirumfjrhagsaWstoWsveitar  flaga. `    Hmarkuppb;tarsamkvmtYessukvWiskalaldreinemahrrifjrhWen50.000kr. X+! mnuWi. #"   ViWmatYrfsamkvmtYessukvWiskallitiWheildsttttilallraflagslegraogfjr # hagslegraaWstWnaumskjanda.  $   61.gr. O""& Uppb;tvegnakostnaWar. #'   HeimilteraWgreiWalfeyrisYegasrstakauppb;tlfeyrivegnakostnaWarsemekkifst #( greiddureWabtturmeWWrumhttiefsUntYykiraWhanngetiekkiframfleyttsrnhennar. $ ) ViWmatYrfsamkvmtYessukvWiskallitiWheildsttttilallraflagslegraogfjrhags {%N!* legraaWstWnaumskjanda. F&"+   '",   & a  62.gr. - Uppbturvegnahreyfihmlunar.    TilviWb;tarviWgreiWslurskv.10.,15.og'a-*Ԁ20.gr.erheimiltaWgreiWahreyfihmluWumlf  eyrisYegauppb;tvegnakaupabifreiWsemtluWertildaglegranotahans.Uppb;tsam a kvmtYessukvWierheimiltaWveitafimmrafrestiognemurfjrhWhennar300.000 Y, kr.FjrhWuppb;tartilhreyfihamlaWrasemeruaWkaupabifreiWfyrstasinnskalnema $ 600.000kr.    EinnigerheimiltaWgreiWaYeimsemuppfyllaskilyrWi1.mgr.uppb;tvegnarekstursbif   reiWar.SamagildirumYsemfendurhfingargreiWslur.FjrhWuppb;tarinnarer151.050  X kr.ri. P #    SkilyrWifyrirgreiWslumskv.1.og2.mgr.eraWlfeyrisYegasnauWsynaWhafabifreiW    vegnahreyfihmlunarogaWsUntsframaWhanngetiekkikomistafnuppb;tarinnar.      MeWhreyfihmlunsamkvmtYessukvWierttviWverulegaskerWingufrnitilaW   komastferWasinnaYannigaWgngugetasaWjafnaWiminnien400metrarjafnslttuvegna |O  afleiWingasjkd;mseWaftlunar. G    C.AWrargreiWslur .   63.gr. {  StyrkirtilbifreiWakaupa. sF K  HeimilteraWveitasjkratryggWumeinstaklingisemtelstverulegahreyfihamlaWurstyrk > tilkaupabifreiWsemhonumernauWsynaWhafavegnahreyfihmlunareWaYessaWlkams   hlutavantar.StyrkursamkvmtkvWiYessunemur1.200.000kr.    HeimilteraWveitaverulegahreyfihmluWumeinstaklingi,semuppfyllirskilyrWi1.mgr. r ogekkikemstafnsrtbinnarogdUrrarbifreiWarvegnamikillarftlunar,styrktilaWkaupa j= bifreiWsemnemuralltaW60%afkaupverWihennar,Y.e.grunnverWinaukabnaWar,Y;aW 5 hmarki5.000.000kr.SkilyrWieraWhinnhreyfihamlaWisskrWureigandibifreiWarinnarog  aWhannakisjlfureWaannarheimilismaWur.    HeimilteraWgreiWastyrktilframfrandahreyfihamlaWsbarnssemnUturumnnunar i greiWslnaskv.65.gr.semnemur300.000kr.vegnakaupabifreiWsemtluWertildaglegra a4 nota.XerheimiltaWgreiWaframfrandahreyfihamlaWsbarnssemnUturumnnunar , greiWslnastyrkskv.1.mgr.efsUnterframYrffyriraWkomabarninureglubundnaYjlf  un,meWferWeWask;la.0srstkumundantekningartilfellumerheimiltaWgreiWaframfr  andahreyfihamlaWsbarns,semnUturumnnunargreiWslna,styrkskv.2.mgr.aWuppfylltum `  smuskilyrWum. X+!   StyrkivegnabifreiWakaupasamkvmtYessukvWierheimiltaWveitafimmrafresti. #"   64.gr.  $ EndurgreiWslaumtalsverWskostnaWarvegnalknishjlparoglyfja. !W% 8$  VerWitgjldsjkratryggWseinstaklingsvegnalknishjlparoglyfjaumtalsverWerheimilt O""& aWendurgreiWahlutaWeigandiYennankostnaWaWhlutaeWaaWfulluaWteknutillititiltekna. #'   65.gr. $ ) UmnnunargreiWslurvegnabarna. {%N!* %  HeimilteraWinnaafhendiumnnunargreiWslurtilframfrendafatlaWraoglangveikra F&"+ barnasemdveljastheimahsieWasjkrahsi,alltaW136.213kr.mnuWiog/eWataka '", aukinnYttgreiWslusjkrakostnaWarefandlegeWalkamleghmlunbarnshefurfrmeW '#- srtilfinnanlegtgjldogsrstakaumnnuneWagslu.JafnframterheimiltaWinnaafhendi - umnnunargreiWslurtilframfrendabarnameWalvarlegYroskafrviksemjafnamviWftlun  ogbarnameWalvarleghegWunarvandamlsemjafnamviWgeWrnasjkd;ma.Xegarsr  staklegastendurerheimiltaWhkkaumnnunargreiWslurumalltaW25%. a   Almennleiksk;la-ogsk;laYj;nustaskerWirekkiumnnunargreiWslur.nnurdagleg,sr Y, tkYj;nustaogvistunutanheimilis,Y.m.t.umtalsverWskammtmavistun,skerWirumnn $ unargreiWslur.    66.gr.  X UmnnunarbturvegnalfeyrisYega. P #  *  HeimilteraWgreiWamakalfeyrisYegaeWaWrumsemhaldaheimilimeWlfeyrisYegaum    nnunarbturefsrstaklegaerfiWarfjrhagslegaraWstWurerufyrirhendiogumskjandi    uppfyllirekkisjlfurskilyrWifyrirlfeyrisgreiWslumsamkvmtlgumYessum.     MeWsrstaklegaerfiWumfjrhagslegumaWstWumerttviWaWmakieWaannaraWilisem |O  heldurheimilimeWlfeyrisYegabiviWverulegaskertaafkomumguleikavegnaumnnunar G  lfeyrisYegansoghafitakmarkaWagetutiltekjuflunar.     Fullarumnnunarbturskuluvera1.373.799kr.ri.     67.gr. sF Dnarbtur. > q.  HeimilteraWgreiWahverjumYeimsemverWurekkjaeWaekkillinnan67raaldursbtur   sexmnuWieftirltmaka.    EfsrstaklegaerfiWarfjrhagslegaraWstWurerufyrirhendieWahlutaWeigandiermeWbarn r yngraen18raframfrierheimiltaWgreiWabtura.m.k.t;lfmnuWitilviWb;tarenY; j= aldreilenguren48mnuWi. 5   MeWsrstaklegaerfiWumfjrhagslegumaWstWumerttviWaWeftirlifandimakibiviW  verulegaskertaafkomumguleikaoghafitakmarkaWagetutiltekjuflunar.    Fullardnarbturskv.1.mgr.skuluvera37.498kr.mnuWi.Framlengdardnarbtur i skv.2.mgr.skuluvera28.090kr.mnuWi. a4   D.TmiskvWi.   68.gr.  AlmenntkvWi. `  2  TryggingastofnunmeturYrfstuWningisamkvmtkvWumYessakafla. X+!   kvWiannarrakaflagildaeftirYvsemviWumgreiWslursamkvmtYessumkafla. #"   69.gr.  $ ReglugerWir. !W% 4  RWherraerheimiltaWsetjareglugerWirumeinstkatriWiervarWaframkvmdYessakafla, O""& meWalannarsumskilyrWifyrirgreiWslumogfjrhWir,tekju-ogeignamrk,helstuviWmiW #' semlitiWskaltilviWmatYrf,umuppbturlfeyri,styrkitilbifreiWakaupa,endurgreiWslu #( umtalsverWskostnaWar,umnnunargreiWslur,umnnunarbturogdnarbtur. $ )   {%N!*   &   VII.KAFLI -  Framkvmd.  A.AlmennkvWi.   70.gr. a :samrUmanlegrttindi. Y, 6  GreiWsluYegigeturekkinotiWfleirieneinnartegundarb;tavegnasamatilviksogfyrir $ samatmabilnemaannaWssrstaklega'-6ԀtekiWframlgumYessum.X;erheimiltaWgreiWa  bturogstyrkisemertlaWaWmtatlgWumkostnaWivegnatilviksinssamhliWalfeyris   greiWslumeWaWrumb;tumsemtlaWarerutilframfrslu.  X   EigigreiWsluYegirttfleiritegundumb;taeneinnisamkvmtlgumYessumsemekki P #  getafariWsamanskalgreiWahonumhrrieWahstubturnar.      Nj;tieinstaklingurb;tasamkvmtWrumlgumfyrirsamatmabilogbturerugreiddar    samkvmtYessumlgum,skuluYrteljasttilteknaviWtreikningtekjutengdrab;tasam   kvmtnnarikvWumlagaYessara. |O    71.gr.   ЀFangelsisvistogvistunstofnunsamkvmtrskurWi.   ;  LfeyrirsamkvmtYessumlgumogbturhonumtengdarfallaniWurYegargreiWsluYegi {  hefurveriWdmdurtilfangelsisvistareWaannanhttrskurWaWurtilvistunarstofnunog sF vistuninhefurvaraWsamfelltfj;ramnuWi.XegarbturhafaveriWfelldarniWurerheimilt > efsrstaklegastenduraWgreiWafangarWstfunarfsamrmiviW41.gr.     TryggingastofnuningeturY;kveWiWaWgreiWabturnar,eWahlutaYeirra,tilmaka  greiWsluYega,barnaeWaeinhversYriWjaaWilasemsrumaWgreiWslurnarkomiYeimaWsem r mestugagni. j=   72.gr.  GreiWslurtilYriWjaaWila.  =?  EftalinerhttaaWgreiWslursemtlaWarerugreiWsluYegaeWaframfrandatilfram i frslusunotaWarYannhttaWeigisamrUmisttilgangilaganna,erheimilt,efsrstakaraW a4 stWurerufyrirhendi,aWgreiWaYreWahlutaYeirraWrumengreiWsluYegaeWaframfr , anda.SlkarkvarWanirskuluvalltveratmabundnarogteknarsamrWiviWflagsYj;nustu  hlutaWeigandisveitarflagseWabarnaverndarnefnd,efumeraWrWagreiWslurvegna  framfrslubarna. `    73.gr. #" RttarstaWasambUlisf;lks. # pB  Einstaklingarsemeru;vgWrisambW,sbr.9.tlul.2.gr.,eWastaWfestrisamvistnj;ta  $ smurttindaogberasmuskylduroghj;nsamkvmtlgumYessum.Umfjrmagnstekjur !W% sambUlisf;lksferskv.11.og21.gr. O""&   SameiginlegtlgheimilieWasambWeftirWrum;tvrWumggnumlengureneittrskal #' lagtaWjfnuviWskrningusambWarYj;Wskr. #(   $ )   &   B.Btreikningur,endurreikninguroguppgjrb;ta.  - 74.gr.  TekjutlunogtreikningurgreiWslna.   E  TryggingastofnunskalrlegatlavntanlegartekjurumskjandaeWalfeyrisYega a nstari.TekjutlunskalbyggjastnUjustuupplUsingumumtekjursemfengnarerufr Y, YeimaWilumsem'-/Egreinir92.gr.Tilgrundvallarb;tatreikningihversmnaWarskalleggja $ /nn// 1 ww12/SS//aftluWumtekjumrsins.    TryggingastofnunskalupplUsaumskjandaeWalfeyrisYegaumforsendurb;tatreiknings   oggefahonumkostaWkomaaWathugasemdum.  X   BturreiknasteingngugrundvelliYeirrateknasemaflaWerfrYeimtmasemrttur P #  tilb;tastofnaWisthverjumb;taflokki.      75.gr.   NUjarupplUsingarumtekjur. |O  J  TryggingastofnunskalgtaYessaWtekjutlun,sbr.74.gr.,ssamrmiviWnUjustu G  upplUsingarsemstofnuninaflarreglubundiWrstaWgreiWsluskrskattyfirvaldaeWafrWrum   aWilum,sbr.92.gr.     KomiframupplUsingarviWsamanburWskv.1.mgr.eWafrYeimaWilumsemgetiWerum {  92.gr.,semleiWatilbreytingatekjutlunogbreytinginhefurhrifrtttilb;taeWafjr sF hWgreiWslna,skalgefalfeyrisYegakostaWleggjaframskUringareWabreytatekjutlun. > BeristnUjarupplUsingarfrlfeyrisYegaskalbreytatreikningib;tafrogmeWnstamnuWi   eftirtilsamrmisviWYrendasuYrekkibersUnilega;samrmiviWupplUsingarfr  YeimaWilumsemgetiWerum92.gr.BeristekkinUjarupplUsingareWaskUringarfr r lfeyrisYegaogsUnteraWumeraWrWavaranlegabreytingutekjumerTryggingastofnun j= heimiltaWbreytatreikningib;tatilsamrmisviWfyrirliggjandiupplUsingar. 5   XegarnUrtreikningurb;taskv.2.mgr.liggurfyrirertluWumheildargreiWslumrsins  jafnaWallamnuWiYessogbturgreiddarsamkvmtYvYmnuWisemeftireruafrinu.    76.gr. a4 Endurreikningurtekjutengdrab;ta. , P  XegarendanlegarupplUsingarumtekjurrsinsliggjafyrirviWlagninguskattyfirvalda  opinberumgjldumendurreiknarTryggingastofnunfjrhWirb;tagrundvelliteknasam  rmiviWYessagrein.ViWYannendurreikningerheimiltaWtakatillittilalmennrabreytinga `  launumfrYeimtmasemtlaWartekjurtilheyraogtilYesstmasemendanlegartekjur X+! varWa. #"   ViWendurreikningskv.1.mgr.skululagWartilgrundvallarYraWstWurlfeyrisYega # hverjumtmainnanrsinssemgetahafthrifgreiWslurtt,svosemhjskaparstaWa,heimilis  $ aWstWurogbsetaviWkomandi.HafitreikningurfariWframskv.3.mgr.74.gr.skalendur !W% reikningurb;tarsinstakamiWafsmuforsendumogYarerulagWartilgrundvallar. O""&   Komilj;sviWendurreikningb;taaWbturhafaveriWvangreiddareWaofgreiddarferum #' YaWskv.77.!80.gr. #(   kvWi3.mgr.87.gr.viWumendurreikningb;taeftirYvsemviW. $ )   {%N!*   & ,  77.gr. - VangreiWslatekjutengdrab;ta.  V  Komilj;svangreiWslab;taviWendurreikningskv.76.gr.eWasniWurstaWarskurWar  nefndaralmannatryggingaaWbturhafi',-VveriWvangreiddarskalgreiWalfeyrisYegaeWadnar a bihansYaWsemuppvantar.HafilfeyrisYegieWadnarbhansWurfengiWofgreiddar Y, bturogekkiendurgreittTryggingastofnunaWfulluerheimiltaWdragafjrhWofgreiWsl $ unnareWaeftirstWvahennarfrvangreiWslunni.    Xegarbtureruvangreiddar,sbr.1.mgr.,skalgreiWavextiafYeirrifjrhWsemvan   greiddvarogreiknastYeirfrYeimdegisemskilyrWitilb;tannaeruuppfyllt,Y;aldreilengra  X afturtmannentvr.SkuluvextirYessirverajafnhirvxtumsemSeWlabanki0slands P #  kveWurogbirtirsamkvmtlgumumvextiogverWtryggingu.      HafibturveriWvangreiddarvegnaskortsupplUsingumeWaums;knhefurekkiborist,    fallavextirniWur.     78.gr. G  OfgreiWslatekjutengdrab;taogalmennarreglurumendurkrfur.   \  Komilj;saWlfeyrisYegivirWisthafafengiWofgreittskalYegartilkynnahonumYaWskrif   lega,gefakostandmlumoggeratillguumfyrirkomulagendurgreiWslu. {    HafilfeyrisYegifengiWhrrigreiWslurenhannttirttsamkvmtlgumYessumber sF honumeWadnarbihansaWendurgreiWaYfjrhWsemofgreiddvar,aWjafnaWiinnant;lf > mnaWafrYvaWkrafastofnast.vallterheimiltaWsemjaviWlfeyrisYegaeWadnarbhans   umtilhgunendurgreiWslu.    BeristekkigreiWslaogtakistekkiaWgerasamningumfyrirkomulagendurgreiWsluskal r skoraWlfeyrisYegaeWadnarbhansaWendurgreiWaofgreiWsluna. j=   EfsUntYykiraWlfeyrisYegimuniekkigetaendurgreittofgreiWslut;lfmnuWumskal 5 metahvernigstaWiWverWiaWinnheimtu.ViWYaWmatskalhfWhliWsj;nafheildartekjum  lfeyrisYega,eignastWuogupplUsingumumaWraraWstWurhans.    kvarWanirTryggingastofnunarumendurkrfuofgreiddrab;tasamkvmtlgumYessum i eruaWfararhfar,sbr.Y;104.gr. a4   UmendurkrfurttTryggingastofnunarvegnaofgreiWslnaferaWWruleytisamkvmtal , mennumreglum.    79.gr. `  FramkvmdendurgreiWsluofgreiddumb;tum. X+! /c  OfgreiddarbturskalaWjafnaWidragafrb;tumsemlfeyrisYegikannsWaraWWlastrtt #" til,sbr.Y;2.mgr. #   OfgreiddartekjutengdarbturdragastfrWrumtekjutengdumb;tumsemlfeyrisYegi  $ kannsWaraWWlastrtttil.XettaeingnguviWeftekjurrsgrundvellieruhrrienlagt !W% vartilgrundvallarviWtreikningb;taogofgreiWslastafarafYvaWlfeyrisYegihefurekki O""& tilkynntTryggingastofnunumtekjuaukningunaeWaaWrarbreyttaraWstWur,sbr.91.gr. #'   OfgreiddarbturdragastaWjafnaWifrgreiWslumtillfeyrisYeganstut;lfmnuWum #( eftiraWkrafastofnast.EkkierheimiltaWdragafrb;tummeiraen10%afmnaWarlegum $ ) heildartekjumlfeyrisYega,Y;aldreilgrifjrhWen3.000kr.,unsofgreiWslaerendurgreidd {%N!* aWfullunemasamiWssrstaklegaumannaW.MeWmnaWarlegumheildartekjumerttviW F&"+  /nn//$'"'"1'"$'"ww&"'"12'"&"/SS//afrstekjumskv.10.tlul.2.gr. '", & a      Hafiendurkrafavegnaofgreiddrab;taekkiveriWgreiddt;lfmnuWumfrYvaWkrafa - stofnaWistskalgreiWavextiafeftirstWvumkrfunnar.Skuluvextirnirverajafnhirvxtum  'a-pisemSeWlabanki0slandskveWurogbirtirsamkvmtlgumumvextiogverWtryggingu.    80.gr. Y, UndanYgurfrendurkrfuogheimildtillkkunarkrfu. $ %k  HeimilteraWfallafrendurkrfuofgreiWsluaWfullueWaaWhlutaefsrstakarstWureru  fyrirhendi.SkalYeinkumlitiWtilfjrhagslegraogflagslegraaWstWnagreiWsluYega,tilurW   krfunnarogYesshvorttlamegiaWhannhafiveriWg;WritrumgreiWslurttsinn.  X   HeimilteraWfallafrkrfuumvextiefsrstakarstWurerufyrirhendieWaefsamningur P #  umendurgreiWsluofgreiddrab;taliggurfyrirogviWkomandistendurviWgreiWsluskyldusna    samkvmtsamningnum.      OfgreiWslursemnemalgrifjrhWen1.000kr.riskulufelldarniWur.     C.TmiskvWi.  G  81.gr.   Heimildtildreifingarfjrmagnstekna.   n  HeimilteraW;skgreiWsluYegaaWdreifaeigintekjumhans,semstafaaffjrmagnstekjum {  semleystarhafaveriWteinulagi,&  alltaWtur.EkkierheimiltaWdreifaslkumtekjum sF oftareneinusinnihverju'sIptmabili. >     82.gr.  Dnarb. r q  ViWandltgreiWsluYegaskalTryggingastofnunbj;WaerfingjumhinsltnaaWendurreikna j= bturtilhanstilbrWabirgWa.XegarendanlegarupplUsingarumtekjurliggjafyrirfersam 5 kvmtkvWumYessakafla.    83.gr. i ReglugerWir. a4 r  RWherraerheimiltaWsetjareglugerWirumeinstkatriWiervarWaframkvmdYessakafla, , meWalannarsum;samrUmanlegrttindi,treikning,endurreikningoguppgjrtekjutengdra  b;ta,innheimtuofgreiddrab;ta,undanYgurfrendurkrfumogafskriftirkrafna.    VIII.KAFLI X+!  MlsmeWferWogstj;rnsUslureglur. #" A.Almennt.  # 84.gr.  $ it  Ums;knirogmlshraWi. !W% )u  SkjaskalumallarbturoggreiWslursamkvmtlgumYessum.X;YurfaYeirsemf O""& greiddanrorkulfeyriekkiaWskjasrstaklegaumellilfeyriskv.9.gr.YegarYeirn67ra #' aldri. #(   Ums;knirskuluveraeyWublWumTryggingastofnunareWasendarmeWrafrnumhtti $ ) tilstofnunarinnar.MeWums;knskulufylgjallnauWsynlegggn,sbr.91.gr. {%N!*   Allarums;knirskulukvarWaWarsvoflj;ttsemkosturer. F&"+   '",   &   B.MlsmeWferW.  - 85.gr.  Gildistj;rnsUslulaga.   x  XegarteknarerukvarWanirumrttindiogskyldursamkvmtlgumYessumgildastj;rn a sUslulgnemaumskjandaeWagreiWsluYega'-xԀsveitturbetrirttursamkvmtYessumlgum Y, eWaWrumlgumsemviWeiga.GtaskalsamrmisviWkvrWunsambrilegramla. $   86.gr.   Upphafoglokb;tarttar.  X Fz  Rtturtilb;tastofnastfrogmeWYeimdegierumskjanditelstuppfyllaskilyrWitilb;t P #  annaogskulubturreiknaWarfrfyrstadegiYessmnaWar.B;tartturfellurniWurfrogmeW    YeimmnuWierskilyrWitilb;tannateljastekkilenguruppfyllt.      87.gr. |O  GreiWslufyrirkomulagoggreiWslurafturtmann. G  )|  GreiWslurskulufaraframfyrstadaghversmnaWarfyrirundanfarandimnuW.GreiWslum   lUkurviWupphafYessmnaWarerskilyrWiYeirraeruekkilenguruppfyllt.     HeimilteraW;skumskjandaeWagreiWsluYegaaWfrestagreiWslub;taoggreiWabtur {  einulagieftiraWendanlegarupplUsingarum&  tekjurumskjandaeWagreiWsluYegarinu sF liggjafyrirviWlagninguskattyfirvalda'sm~opinberumgjldum. >   XegarsrstaklegastendurerheimiltaWgreiWabturalltaWtvrafturtmannfrYv   aWums;knognnurggnsemnauWsynlegerutilaWunntsaWtakakvrWunumb;tartt  ogfjrhWgreiWslnaberastTryggingastofnun.X;skalheimildYessariekkibeittefrekjam r tafirtilumskjandasjlfsogatvikeruaWlluleytilj;s. j=   88.gr.  TilkynningkvrWunarogendurskoWunrttinda.    TryggingastofnunskalupplUsaumskjandaeWagreiWsluYegaumkvrWunb;taogfor i sendurhennaroggefahonumkostaWkomaaWathugasemdumWurenendanlegakvrWun a4 ertekin. ,   89.gr.  LeiWbeiningarskylda. `    TryggingastofnunskalkynnasraWstWurumskjendaoggreiWsluYegaoggeraYeim X+! greinfyrirrttiYeirrasamkvmtlgumYessumogWrumlgumerstofnuninstarfareftir, #" reglugerWumsettumgrundvellilagannaogstarfsreglumstofnunarinnar.ViWmeWferWmls # skulustaWaogrttindiumskjandaeWagreiWsluYegaskoWuWheildsttt.StofnuninskalleiW  $ beinaumskjandaumrttarstWuhans,YauggnsemYurfaaWfylgjaums;knogumfram !W% haldmlsins. O""&   NvarWarerindiekkistarfssviWstofnunarinnarogskalYaWYframsentrttanstaWsvo #' flj;ttsemauWiWerogviWkomandileiWbeinteftirYvsemunnter. #(   90.gr. {%N!* Ranns;knarskylda. F&"+   TryggingastofnunskalsjtilYessaWmlsngjanlegaupplUstWurenkvrWunumb;t '", arttertekin,YarmeWalaWllnauWsynlegggnogupplUsingarliggifyrir. '#- Ї  C.UpplUsingaskyldaogeftirlitsheimildir.  - 91.gr.  UpplUsingaskyldaumskjendaoggreiWsluYega.    UmskjandaeWagreiWsluYegaerrttogskyltaWtakaYttmeWferWmlsins,meWalannars a meWYvaWveitaTryggingastofnunYrupplUsingarsemtaldarerunauWsynlegarsvounnts Y, aWtakakvrWunumb;tartt,fjrhWoggreiWslub;taogannarragreiWslnasamkvmt $ lgunumogendurskoWunYeirra.XerskyltaWtilkynnaumbreytingartekjumeWaWrum  aWstWum,svosemhjskaparstWu,semgetahafthrifbtureWagreiWslur.     kvWi1.mgr.eigaeinnigviWummakaumskjandaeWagreiWsluYegaeftirYvsemviW  X geturtt. P #    92.gr.    UpplUsingarumtekjur.     Tryggingastofnunerheimilt,aWfengnuskriflegusamYykkiumskjandaoggreiWsluYega, |O  aWaflanauWsynlegraupplUsingaumtekjurumskjandaoggreiWsluYegahjskattyfirvldum, G  greiWslurhjlfeyrissj;Wum,VinnumlastofnunogsambrilegumstofnunumerlendisYegar   YaWviWmeWrafrnumhttieWaannanhtt.     Xegarumhj;neraWrWaerTryggingastofnunheimilt,aWfengnuskriflegusamYykki {  beggja,aWaflaupplUsingaumtekjurmakaoggreiWslurtilhanshjframangreindumaWilum sF efYrgtuhafthriffjrhWb;ta.SamagildirumtekjursambUlisf;lkssemuppfyllirskil > yrWifyrirsamskttunskv.3.mgr.62.gr.lagaumtekjuskatt.     Teljiumskjandi,greiWsluYegieWamakiupplUsingarfrYessumaWilumekkirttarskal  hannleggjaframggnYvtilstaWfestingar. r   93.gr. 5 SkorturupplUsingum.  ߐ  EfekkireynistunntaWtakakvrWunumb;tartt,fjrhWoggreiWslub;taogendur  skoWunYeirravegnaskortsnauWsynlegumupplUsingumsemrekjamtilumskjanda, i greiWsluYegaeWamakahanserTryggingastofnunheimiltaWfrestakvrWunoggreiWslub;ta a4 YartilrYverbtt.TryggingastofnunskaltafarlaustgeraviWkomandiviWvarteftilfrestunar , kemur,skorahannaWveitanauWsynlegarupplUsingaroggerahonumgreinfyriraf  leiWingumYessefskorunumaWveitaupplUsingarerekkisinnt.    94.gr. X+! UpplUsingaskyldaheilbrigWisstarfsmanna. #"    XeimheilbrigWisstarfsmnnumsemberabyrgWvrslusjkraskra,sbr.lgumsjkra # skrr,erskyltaWveitalknum,eWaeftiratvikumhlutaWeigandiheilbrigWisstarfsmnnum,  $ TryggingastofnunarYrupplUsingarogggnsemstofnuninnierunauWsynlegvegnakvrW !W% unarumgreiWslub;taogvegnaeftirlitshlutverkshennar.XerlknumTryggingastofnunar, O""& eWahlutaWeigandiheilbrigWisstarfsmnnumYegarYaWviW,heimiltaWskoWaYannhluta #' sjkraskrrsemnauWsynlegtervegnaeftirlitsogreikningsgerWhendurstofnuninnierbyggW #( .SkoWunskalfaraframYeimstaWYarsemsjkraskrervarWveitt. $ )   {%N!*   &   95.gr. - UpplUsingaskyldastofnanaogfyrirtkja.    Skattyfirvld,sjkratryggingastofnunin,Vinnumlastofnun,Innheimtustofnunsveitar  flaga,Xj;Wskr0slands,Btlendingastofnun,Fangelsismlastofnun,hlutaWeigandilfeyris a sj;Wir,ldrunarstofnanir,sveitarflg,'-&Lnasj;Wurslenskranmsmanna,sk;larsvoogaWrar Y, stofnanirogfyrirtkiskulultaTryggingastofnuntupplUsingaraWYvmarkisemslkar $ upplUsingarteljastnauWsynlegartilaWunntsaWframfylgjalgumYessum.    XskuluTryggingastofnunogsjkratryggingastofnuninskiptastupplUsingumummat   rorkuogWrumupplUsingumaWYvmarkisemYrteljastnauWsynlegarviWframkvmd  X laganna. P #    96.gr.    UpplUsingaskyldanendurgjalds.   ;  UpplUsingarogggnsemTryggingastofnun;skareftirsamkvmtYessumkaflaogunnt |O  eraWltat,skuluveittarnendurgjalds,sbr.Y;20.gr.lagaumYj;Wskrogalmanna G  skrningu,ogYvformisem;skaWer,endaliggifyrirheimildumflunYessaraupplUsinga   samkvmtkvWumYessakafla.     97.& a gr. sF EftirlitogviWurlg. > i  TryggingastofnunskalreglubundiWsannreyna'asyԀrttmtib;taoggreiWslnaogYeirraupp   lUsingasemkvrWunumrttindibyggist.StofnuninnierheimiltYgueftirlitsaW;ska  eftirllumggnumsemtalinerunauWsynlegtilaWsannreynarttmtikvarWanaog r greiWslna. j=   Grundvllb;tarttarmendurskoWahvenrsemerogsamrmabturYeimbreytingum 5 semorWiWhafaaWstWumgreiWsluYega.LeikirkstuddurgrunuraWb;tarttursekkifyrir  hendierheimiltaWfrestagreiWslumtmabundiWmeWanmlerrannsakaWfrekarogstWva  greiWslurkomilj;saWb;tarttursekkifyrirhendi.FylgjaberkvWumstj;rnsUslulaga, i sbr.og85.og93.gr.UmofgreiWslurogvangreiWslurferskv.77.!80.gr. a4   LeikigrunuraWbtursugreiddargrundvellirangraeWavillandiupplUsingafr , greiWsluYegaerheimiltaWaflaupplUsingafrWrumaWilumsemtlamaWgetiveittupp  lUsingarermliskiptaYvskyniaWleiWrttab;tagreiWslur.    Komilj;saWrangar,villandieWa;fullngjandiupplUsingarhafivsvitandiveriWveittar `  eWaeinstaklingurhafiltiWhjlWaaWveitanauWsynlegarupplUsingarYvskyniaWnj;ta X+! tryggingareWaf;rttmtargreiWslur,skalgreiWsluYegiendurgreiWaYfjrhWsemofgreidd #" varaWviWbttu15%lagi.UminnheimtuofgreiWslnaferaWWruleytisamkvmtkvWum # VII.kafla.  $   D.XagnarskyldaogmeWferWpers;nuupplUsinga.  O""& 98.gr. #' Xagnarskylda. #(   Starfsf;lkiTryggingastofnunarogYj;nustustWvahennarerbannaWaWviWlagWribyrgW $ ) eftirkvWumalmennrahegningarlagaumbrotopinberustarfiaWskUrafrupplUsingum {%N!* semYaWfrvitneskjuumstarfisnuogleynteigaaWfara.XagnarskyldahelstY;ttltiWs F&"+  afstarfi. '", & a    Xagnarskyldangildireinnigumstj;rnTryggingastofnunarogYsemsinnaverkefnum - fyrirstofnuninaeneruekkistarfsmennhennar.  'a-  99.gr. a MeWferWpers;nuupplUsinga. Y,   ViWmeWferWpers;nuupplUsingasemaflaWerskalTryggingastofnungtaYessaWuppfyllt $ suskilyrWilagaumpers;nuverndogmeWferWpers;nuupplUsinga.Xskalstofnuninjafn  framtgtakvWalagaumsjkraskrreftirYvsemviW.     E.Stj;rnsUslukrur.  P #  100.gr.    greiningur.      Rsigreiningurumgrundvll,skilyrWieWafjrhWb;taeWagreiWslnasamkvmtlgum   YessumkveWursjlfstWog;hWnefnd,rskurWarnefndalmannatrygginga,upprskurW |O  mlinu.Samagildirumgreiningumendurkrfurtt,ofgreiWsluroginnheimtuYeirraskv. G  VII.kafla.       & a 101.gr. {  Formkru. sF $  KratilrskurWarnefndaralmannatrygginga'a0skalveraskriflegogskalhnborinfram > innanYriggjamnaWafrYvaWaWilamlsvartilkynntumkvrWun.0Tryggingastofnunog   Yj;nustustWvumhennarskululiggjaframmieyWublWYessuskyniogskulustarfsmenn  stofnunarinnarveitanauWsynlegaaWstoW. r   102.gr. 5 flungagna.  b  Tryggingastofnunskalltanefndinnitllggnmls,svoogYrupplUsingarogskUr  ingarernefndintelurYrfaWaflafrstofnuninni. i   103.gr. , MlsmeWferWogrlausn.    BrskurWarnefndalmannatryggingaskalkveWaupprskurWsvoflj;ttsemunnterogeigi  sWarenYremurmnuWumeftiraWhenniberstml. `    FormaWurstUrirstrfumnefndarinnar.XegarnefndarmenneruekkisammlarWurmeiri X+! hlutiniWurstWumls. #"   UmmlsmeWferWnefndarinnarfersamkvmtYessumkaflaogkvWumstj;rnsUslulaga. #     104.gr. !W% Rttarhrifkru. O""& !  Stj;rnsUslukrafrestarekkirttarhrifumkvrWunarenstj;rnsUslukrafrestarY;aWfr #' grundvellikvrWunarTryggingastofnunarumendurkrfuofgreiddrab;ta,sbr.78.og #( 79.gr. $ )   {%N!*   & ,  105.gr. - RttarhrifrskurWa.  õ  BrskurWarnefndalmannatryggingaersjlfstWstrfumsnum.BrskurWirnefndarinnar  eruendanlegirstj;rnsUslustigiogverWurekkiskotiWtilannarrastj;rnvalda.',-ϵ a   BrskurWirnefndarinnarumendurkrfurofgreiWslnaskv.100.gr.eruaWfararhfir. Y,   NefndingeturkveWiWaWfrestarttarhrifumrskurWarteljihnstWutilYess.Krafa $ YessefnisskalgerWeigisWarentudgumfrbirtingurskurWar.Skalfrestunrttarhrif  umrskurWarverabundinYvskilyrWiaWmlsaWiliberimliWundird;mst;lainnan30daga   frfrestunarrskurWiog;skiYeftiraWYaWhlj;tiflUtimeWferW.FrestunrttarhrifarskurWar  X fellurrgildiefmlerekkihfWaWinnan30daga.SmlhfWaWvegnarskurWarnefndar P #  innarerhenniheimiltaWfrestaafgreiWslusambrilegramla,semerutilmeWferWarhj    henni,Yartild;murgengurmlinu.      106.gr. |O  HeimildTryggingastofnunartilmlshfWunar. G  2  TryggingastofnungeturhfWaWd;msmltilaWfhnekktrskurWirskurWarnefndaral   mannatrygginga.     & a 107.gr. sF ReglugerWir. > a  RWherraerheimiltaWsetjareglugerWir'asmumeinstkatriWiervarWaframkvmdYessakafla,   meWalannarsumums;knirumgreiWslur,greiWslufyrirkomulag,upplUsingaskylduogeftirlits  heimildirTryggingastofnunar. r   IX.KAFLI 5  Stj;rnsUsla.   108.gr.  Yfirstj;rn. i #  RWherrafermeWyfirstj;rnlfeyristryggingaogannarramlefnasemkveWiWerum a4 lgumYessumogmarkarstefnuinnanrammalaganna.RWherraferjafnframtmeWyfirstj;rn , Tryggingastofnunar.    109.gr. `  Tryggingastofnunrkisins. X+!   AWalskrifstofurTryggingastofnunareruReykjavk.StofnuninskalhafaYj;nustustWvar #" ogkveWurrWherrahvarYj;nustustWvarnarskuluveraaWfenginniumsgnforstj;raog # stj;rnar.JafnframtgeturrWherrakveWiWaWsameinaYj;nustustWvarTryggingastofnunar  $ viWYj;nustustWvarannarraopinberrastofnanaaWfenginniumsgnforstj;raogstj;rnar. !W%   KostnaWurafrekstriTryggingastofnunargreiWistrrkissj;Wisamkvmtfjrlgumhverju O""& sinni. #'   ReikningarTryggingastofnunarfyrirsWastliWiWrskulujafnanfullgerWireigisWaren1. #( jlrhvert.SkuluYeirendurskoWaWirsamahttogreikningarannarrarkisstofnana. $ )   {%N!*   & ,  110.gr. - HlutverkTryggingastofnunar.  1  Tryggingastofnunannastframkvmdlfeyristryggingaogannarramlefnasamkvmtlg  umYessum.Xskalstofnuninsinna',-=Yeimverkefnumsemhennierufalinsamkvmtstj;rn a valdsfyrirmlum,kvrWunrWherraeWaWrumlgum. Y,   TryggingastofnunannasteinnigaWrastj;rnsUslulfeyristryggingaalmannatrygginga, $ meWalannarsaW:  ! ! 3(5h883"i(m"  i(mT25h  a  .3  Ԉ0    verarWherraogWrumstj;rnvldumtilrWgjafarogupplUsingarummlefnisemheyra   undirstofnunina,i(mT݌ X Ќ  "i(m"  i(m25h  b  .3  Ԉ0    veitaalmenningiYj;nustuogrWgjfumrttindiogskyldursamkvmtlgunum,i(m݌P #  Ќ  "i(m"  i(m25h  c  .3  Ԉ0    kynnaalmenningirttsinnmeWupplUsingastarfsemi,i(m݌   Ќ  "i(m"  i(m25h  d  .3  Ԉ0    birtaupplUsingarumstarfseminameWreglubundnumhtti,i(m.݌   Ќ  "i(m"  i(m25h  e  .3  Ԉ0    gerarlegastarfs-ogfjrhagstlunogi(mH݌  Ќ  "i(m"  i(m25h  f  .3  Ԉ0    gerarlegatlunumb;tagreiWslurhversrs.i(mL݌|O  Ќ    ViWframkvmdinaskalYessgttaWnUtafjrmunistofnunarinnarsemhagkvm G  astanhtt.     111.gr. {  Stj;rn. sF   RWherraskiparfimmmennstj;rnTryggingastofnunarogskaleinnskipaWurformaWur > stj;rnarogannarvaraformaWur.SkipaWirskulujafnmargirmenntilvara.     Stj;rnTryggingastofnunarstaWfestirskipulagstofnunarinnar,rlegastarfstlunogfjr  hagstlunogmarkarstofnuninnilangtmastefnu.Skalstj;rninhafaeftirlitmeWstarfsemi r TryggingastofnunarogaWreksturhennarssamrmiviWstefnunaoginnanrammafjrlaga j= hverjumtma. 5   FormaWurstj;rnarskalreglulegagerarWherragreinfyrirstarfsemistofnunarinnar,sbr.  2.mgr.XskalformaWurstj;rnareinniggerarWherraviWvartefstarfsemi,Yj;nustaeWa  reksturstofnunarinnarerekkisamrmiviWlgeWastj;rnvaldsfyrirmli. i   FormaWurstj;rnarboWartilstj;rnarfundaogstUrirYeim.Forstj;risiturfundistj;rnarinnar a4 meWmlfrelsiogtillgurtt. ,   RWherraseturstj;rninnistarfsreglurogkveWurY;knuntilstj;rnarmannasemskalgreidd  afrekstrarfstofnunarinnar.    112.gr. X+! Forstj;ri. #"   RWherraskiparforstj;raTryggingastofnunartilfimmrasennaWfenginnitillgustj;rn # ar.Forstj;riskalhafalokiWnmihsk;lastigiogbayfirreynsluafrekstriogstj;rnunsem  $ nUtiststarfisamtYvaWhafaYekkingusviWivelferWarmla. !W%   RWherraseturforstj;raerindisbrfYarsemtilgreindskuluhelstumarkmiWrekstristofn O""& unarinnarogverkefnihennarbWitillengriogskemmritmalitiW.0erindisbrfiskalenn #' fremurkveWiWumsamskiptiforstj;raogstj;rnarstofnunarinnar. #(   Forstj;rirWurstarfsmennstofnunarinnarogannastdagleganreksturhennar.Forstj;riber $ ) byrgWstarfsemistofnunarinnarogaWhnstarfisamrmiviWlg,stj;rnvaldsfyrirmli {%N!* ogerindisbrfskv.2.mgr.,sbr.og110.gr.Forstj;riskalsjtilYessaWrekstrartgjldog F&"+ rekstrarafkomasusamrmiviWfjrlgogaWfjrmunirsunUttirrangursrkanhtt. '",  '#-   113.gr. - BrskurWarnefnd.    RWherraskiparYrjmennrskurWarnefndalmannatryggingatilsexrasenn.Xaraftil  nefnirHstirttur0slandstvomennogskalannarYeirrauppfyllaskilyrWiumembttisgengi a hraWsd;maraogveraformaWurnefndarinnarenhinnskalveralknirogvaraformaWurhenn Y, ar.EinnnefndarmannaskalskipaWurntilnefningar.Jafnmargirvaramennskulutilnefndir $ samahttoguppfyllasmuhfisskilyrWiogaWalmenn.    HeimilteraWendurskipanefndarmenn.     NefndinnierheimiltaWrWasrstarfsmenntilundirbningsrlausnummlaogtilal  X mennraskrifstofustarfaeftirnnarikvrWunAlYingisfjrlgumhverjusinni. P #    NefndinnierheimiltaWkveWjasrtilrWgjafarogaWstoWarsrfr;WamennefhntelurYrf    .SkuluYeirstarfameWnefndinniviWundirbningogmeWferWmlseftirkvrWunformanns.      UmYagnarskyldunefndarmanna,starfsmannaogrWgjafanefndarinnarferskv.98.gr.     NefndinskalbirtarskurWimeWaWgengilegumogskipulegumhtti.BrskurWirnirskulu |O  birtirnpers;nugreinanlegraupplUsinga. G    RWherrakveWurY;knunnefndarmanna.KostnaWurvegnanefndarinnargreiWistrrkis   sj;Wi.     114.& a Ԁgr. sF ReglugerWir. >   RWherraerheimiltaWsetjareglugerWirum'aseinstkatriWiervarWaframkvmdYessakafla,   meWalannarsumframkvmdalmannatrygginga,starfsemiTryggingastofnunaroghlutverk  hennar. r   X.KAFLI 5  AlmennkvWioggildistaka.   115.gr.  kvrWunfjrhWa. i S  Btur,greiWslurogaWrarfjrhWirsamkvmtlgumYessumkomatilendurskoWunarviW a4 afgreiWslufjrlagarhvert.ViWendurskoWuninaskaltakamiWafYr;unlauna,verWlagsog , efnahagsmla.X;errWherraheimilt,aWfengnusamYykkirkisstj;rnar,aWbreytaYessum  fjrhWumefverulegarbreytingarverWalaunaYr;unogYj;WhagsforsendumfrafgreiWslu  fjrlaga.XegarfjrhWumerbreyttsamkvmtYessukvWiskalYaWgertmeWreglugerW. `  RWherraerennfremurheimiltaWkveWareglugerW,aWfengnusamYykkirkisstj;rnarinnar, X+! aWgreiddarsusrstakarorlofs-ogdesemberuppbturtillfeyrisYegaaWuppfylltumnnar #" tilteknumskilyrWum. #   116.gr. !W% Fjrmgnun. O""&   rlegheildartgjldsamkvmtlgumYessumskuluverasamrmiviWkvrWunAl #' Yingissamkvmtfjrlgumogfjraukalgumhversrs. #(   KostnaWurvegnalfeyristryggingaalmannatryggingagreiWistrrkissj;Wi,meWalannars $ ) aftekjumrkissj;Wsaftryggingagjaldi. {%N!*   KostnaWurviWgreiWslurskv.VI.kaflagreiWistrrkissj;WisamkvmtkvrWunfjrlaga F&"+ ogfjraukalagahverjusinni. '",   TryggingastofnunskalrhverthagatlanagerWsinnivegnatgjaldasamkvmtlgum '#- YessumfyrirnstaalmanaksrsamrmiviWreglurfjrlagagerWarogsendarWherratilfrek - arimeWferWar.    Framlagrkissj;Wstilb;taogannarragreiWslnasamkvmtlgumYessumskalgreitt  TryggingastofnunmeWjfnumgreiWslumbyrjunhversmnaWar. a   117.gr. $ BannviWframsaliogveWsetningub;takrafna.    :heimilteraWframseljaeWaveWsetjab;takrfursamkvmtlgumYessumoghvorkim   kyrrsetjangeraYeimfjrnmeWahaldab;taftilgreiWsluopinberragjalda.  X   118.gr.    Millirkjasamningar.      Rkisstj;rninnierheimiltaWsemjaviWerlendrkiumgagnkvmrttindiogskyldursam   kvmtlgumYessumogrWherraaWsemjaviWerlendartryggingastofnanirsamningsrkjum |O  umnnariframkvmdslkrasamninga.XarmmeWalannarsveitaundanYgurfrkvWum G  lagannaogheimilatakmarkanirbeitinguYeirra.     0samningumskv.1.mgr.mmeWalannarskveWaumaWbsetu-,atvinnu-eWatrygginga   tmabilWrusamningsrkiskulitalinjafngildabsetutma0slandi.Ennfremurerheimilt {  aWkveWaYarumrtttilb;tagreiWslnaviWbsetuWrusamningsrki,jafnrWiviWmls sF meWferW,skrunb;taoghvaWalggjfskulibeita.0samningumskv.1.mgr.erennfremur > heimiltaWsemjaumfyrirframgreiWslumeWlagsmillisamningsrkja,sbr.53.gr.,einsogum   bturalmannatryggingavriaWrWa.    ViWframkvmdlagaYessaraskaltekiWtillittilmillirkjasamningasviWialmannatrygg r ingaogflagsmlasem0slanderaWiliaW. j=   119.gr.  Btflutningurogskrunb;ta.    GreiWaskalgreiWsluYegum,bsettumYeimrkjumsemrkisstj;rngerirsamningaviWeWa i rWherrahefursamiWviWmeWstoW118.gr.,btursamrmiviWnnarikvWisamning a4 anna. ,   HeimilteraWkveWameWreglugerWaWfrb;tumsemgreiWsluYegirtthrlandi,  dragistbtursemhannfrsamkvmterlendrilggjffyrirsamatmabilogbtureru  greiddarfyrirhrlandi. `    120.gr. #" ReglugerWarheimild. #   RWherraerheimiltaWkveWaumnnariframkvmdlagaYessarareglugerWum.  $   121.gr. O""& InnleiWingEES-reglugerWa. #'   RWherraerheimiltaWinnleiWameWreglugerWalmannatryggingareglurEvr;pusambands #( inseinsogYrerufelldarinnviWaukaVIviWsamninginnumEvr;pskaefnahagssvWiW, $ ) sbr.lgnr.2/1993,meWsWaribreytingum,samanbereinnigkvrWunsameiginleguEES {%N!* nefndarinnarnr.76fr1.jl2011semfellirundirsamninginnreglugerWirEvr;puYingsins F&"+ ogrWsins(EB)nr.883/2004umsamrmingualmannatryggingakerfameWsWaribreytingum '", ognr.987/2009umframkvmdhennar.ReglugerWirEvr;pusambandsins,semteknarverWa '#- uppsamninginnogfelasrbreytingareWaviWbturviWYrreglugerWir,ereinnigheimilt - aWinnleiWameWreglugerW.SamaviWumalmannatryggingareglurstofnsamningsFrversl  unarsamtakaEvr;pu.    122.gr. Y, Gildistakaoglagaskil. $   LgYessiWlastgildi1.jl2013.Jafnframtfallargildilgumalmannatryggingar,nr.  100/2007,meWsWaribreytingum,oglgumflagslegaaWstoW,nr.99/2007,meWsWaribreyt   ingum.  X   ReglugerWirogllnnurfyrirmli,semsetthafaveriWsamkvmtlgumumalmanna P #  tryggingar,nr.100/2007,oglgumumflagslegaaWstoW,nr.99/2007,skuluhaldagildisnu    aWsvomikluleytisemYaubrj;taekkibgaviWkvWilagaYessara,unsnUjarreglugerWir    hafaveriWgefnart.     123.gr. G  BreytingarWrumlgum.   ,  ViWgildistkulagaYessaraverWaeftirfarandibreytingarWrumlgum:   ! ! q("283"i(m"  i(m2"  1  .3  Ԉ0    LgummlefnialdraWra,nr.125/1999,meWsWaribreytingum:i(m݌{  Ќ  "m"  m0  0 2"  a  .3  Ԉ0v  19.,21.!24.og26.gr.lagannafallabrott.m݌sFvv Ќ  "m"  m0  0xx 2"  b  .3  Ԉ0v  kvWitilbrWabirgWaI!VIfallabrott.m;݌>vv Ќ  "i(m"  i(mI2"  2  .3  Ԉ0    LgumvinnumarkaWsaWgerWir,nr.55/2006,meWsWaribreytingum:eftir2.mgr.12.   gr.lagannakemurnUmlsgrein,svohlj;Wandi:i(mIv݌ Ќ    0     v RWherraerheimiltaWfelaVinnumlastofnunaWsemjaviWfyrirtkieWastofnanir r umaWYaurWitilvinnuryrkjasemfgreiddanrorkulfeyri,rorkustyrk,endurhf j= ingarlfeyrieWaslysarorkubturundir50%oghafavinnugetusemekkihefurnUst 5 vinnumarkaWiogekkiverulegaraWrartekjurtillfsviWurvrisenlfeyrialmanna  trygginga.LkkunlfeyrisgreiWslnastarfstmabilinufereftiralmennumreglumum  lkkunhverjumtma.i "i(m"  i(mv2"  3  .3  Ԉ0    Lgumtekjuskatt,nr.90/2003,meWsWaribreytingum:i(mv݌a4 Ќ  "m"  m0  0 2"  a  .3  Ԉ0v  0staWorWanna?skv.14.og30.gr.lagaumalmannatryggingarog3.gr.lagaum , flagslegaaWstoW 2.tlul.A-liWar7.gr.lagannakemur:skv.45.,47.!49.og51.  gr.lagaumlfeyrisrttindialmannatryggingaogflagsleganstuWningog12.gr.laga  umslysatryggingaralmannatrygginga.m݌` vv Ќ  "m"  m 0  0xx 2"  b  .3  Ԉ0v  0staWorWanna?skv.14.gr.lagaumalmannatryggingar 2.tlul.A-liWar7.gr. X+! lagannakemur:skv.50.gr.lagaumlfeyrisrttindialmannatryggingaogflagslegan #" stuWning.m C ݌#vv Ќ  "m"  m 0  0 2"  c  .3  Ԉ0v  0staWorWanna?lgumumalmannatryggingar 2.tlul.A-liWar7.gr.laganna  $ kemur:lgumumlfeyrisrttindialmannatryggingaogflagsleganstuWning.m 5 ݌!W%vv Ќ  "m"  m0  0xx 2"  d  .3  Ԉ0v  0staWorWanna?lgumumalmannatryggingar 4.mgr.66.gr.lagannakemur:lgum O""& umlfeyrisrttindialmannatryggingaogflagsleganstuWning.m݌#'vv Ќ  "m"  m0  0 2"  e  .3  Ԉ0v  0staWorWanna?tryggWurgrundvelli12.,13.eWa14.gr.laganr.100/2007,umal #( mannatryggingar 7.mgr.A-liWar68.gr.lagannakemur:4.og5.gr.lagaumlf $ )  eyrisrttindialmannatryggingaogflagsleganstuWning.m݌{%N!*vv Ќ  "m"  m0  0 2"  f  .3  Ԉ0v  0& ,  staWorWanna?btursamkvmtlgumumalmannatryggingaroglgumumflags - legaaWstoW kvWitilbrWabirgWaXLlgunumkemur:btursamkvmtlgum  umlfeyrisrttindialmannatryggingaogflagsleganstuWning.m݌vv Ќ  ',-"i(m"  i(m2"  4  .3  Ԉ0    Lgumtryggingagjald,nr.113/1990,meWsWaribreytingum:i(m?݌a Ќ  "m"  m60  0 2"  a  .3  Ԉ0v  0staWorWanna?skv.9.gr.blaganr.117/1993,umalmannatryggingar 4.mgr.4. Y, gr.lagannakemur:skv.1.mgr.5.gr.lagaumlfeyrisrttindialmannatryggingaog $ flagsleganstuWning.m6c݌vv Ќ  "m"  m10  0xx 2"  b  .3  Ԉ0v  0staWorWsins?almannatryggingalaga 4.mgr.4.gr.lagannakemur:lagaumlf   eyrisrttindialmannatryggingaogflagsleganstuWning.m1^݌ Xvv Ќ  "m"  m0  0 2"  c  .3  Ԉ0v  OrWin?YarmeWtaliWfWingarorlof 2.tlul.9.gr.lagannafallabrott.m݌P # vv Ќ  "i(m"  i(mJ2"  5  .3  Ԉ0    Lgumstarfsendurhfingarsj;Wi,nr.60/2012:0staWorWanna?endurhfingarlfeyri    grundvellilagaumflagslegaaWstoW,rorkulfeyrigrundvellilagaumalmanna    tryggingar 9.gr.lagannakemur:endurhfingargreiWslurogrorkulfeyrigrundvelli   lagaumlfeyrisrttindialmannatryggingaogflagsleganstuWning.i(mJw݌|O  Ќ  "i(m"  i(m2"  6  .3  Ԉ0    LgumbifreiWagjald,nr.39/1988,meWsWaribreytingum:0staW?43.gr.laganr. 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P #  01.mgr.eraWfinnaundanYguvegnaskuldbindingaslenskarkisinssamkvmtmillirkja    samningum.UmefnimillirkjasamningaerfjallaWX.kaflafrumvarpsins.      02.mgr.ernUttkvWiumaWtryggingaverndfalliniWurYegarbsetaerfluttfr0slandi,   enYaWkvWiersamskonarogkvWi3.mgr.10.gr.lagaumsjkratryggingar,nr.112/ |O  2008.AnnaWgeturY;leittafmillirkjasamningum,sbr.118.gr.NauWsynlegtYykiraWfjalla G  umlokrttindalgunumenY;beraWathugaaWunninrttindigrundvellibsetutil   lfeyristryggingafallaekkiniWurviWbrottflutning,heldurgeymastYartilatburWursemleiWir   tillfeyriskemurfram.BtureruY;ekkigreiddarrlandinemagrundvelligildandimilli {  rkjasamnings,sbr.118.gr. sF &    3.mgr.ersamhlj;Wa3.mgr.12.gr.gildandilaga,enY;erlagttilaWorWin?eWaeftiratvik > umsjkratryggingastofnunin fallibrott,sbr.lgnr.112/2008,umsjkratryggingar.Yfir'>˩leitt   erueinstaklingarmeWskrWlgheimilisamkvmtlgheimilislgumbsettirhrlandiog  fallaYarmeWundirlgin.XesseruY;mrgdmiaWeinstaklingarsembsettireruerlendis r suennskrWirmeWlgheimili0slandi.0slkumtilvikumkannTryggingastofnunaW j= kvarWaaWeinstaklinguruppfylliekkiskilyrWiumbsetuskilningilaganna,tildmisef 5 stofnuninhefuryfiraWrWanUrriogtarlegriupplUsingumenXj;Wskr0slands.GerterrW  fyriraWTryggingastofnuntilkynniXj;Wskr0slandsumYautilvikYegarstofnuninhefur  stWutilaWtlaaWlgheimilisranglegaskrW.0VIII.kaflafrumvarpsinserfjallaWum i eftirlitTryggingastofnunarmeWrttmtib;tarttar,b;ta,greiWslnaogupplUsingasemog a4 hvernigskulistaWiWaWkvrWunumumfrestuneWastWvungreiWslna. ,   Um5.gr.  `  0kvWinuerkveWiWumtryggingavernd0slandiYrttfyrirtmabundnadvlerlendis `  ogeruYauvilnandifr4.gr.frumvarpsins.X;erekkigertrWfyrirYvaWgreiWslurskv.VI. 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'",   07.mgr.kvWisinsergertrWfyriraWnj;tiheimilismaWur,semWurvarlfeyrisYegiog '#- nUturgreiWsludreifingarfjrmagnsteknaviWupphafdvalar,skulinj;tahennarfram. (z$.   XerlagttilaWbttverWiviWtveimurnUjummlsgreinum,annarsvegaraWumtreikning, - endurreikningoguppgjrgreiWsluYtttkuheimilismannagildiaWWruleytikvWi  reglugerWarnr.598/2009oghinsvegaraWekkiskuligreiddirvextirvangreittdvalarframlag  eWadaggjldtilstofnana.XykirrttaWlgfestaYessikvWi.LokserlagttilaWheimildrW a herratilaWsetjareglugerWumnnariframkvmdkaflansverWifrW44.gr.frumvarpsins Y, samrmiviWuppbygginguYess. $   Um41.gr.   vk  kvWiWersamhlj;Wa1.!3.mlsl.8.mgr.48.gr.gildandilagaumalmannatryggingar.  X X;erlagttilaWorWunum?eWastofnunfyriraldraWa verWibttviWkvWiW,semersam P #  rmiviW24.gr.gildandilagaummlefnialdraWra.EinnigervsaWtiltekjuhugtaksinskafla    numogkemurYaWstaW4.mlsl.8.mgr.48.gr.almannatryggingalagasemfellurbrotten    YaWfelurekkisrneinarefnislegarbreytingarfrgildandilgum.EinnigerlagttilaWstaW   heitisinsvasapeningarverWitekiWuppheitiWrWstfunarfsemYykirlUsabetureWliYessara |O  greiWslna,Y.e.aWheimilismennhafiftileiginrWstfunar.EnnfremurerlagttilaWkvWi G  samsvarandiYeimsemeru5.og6.mlsl.8.mgr.48.gr.gildandilaga,Y.e.umtekjuraf& ,    vinnustofnun,verWiekkiYessufrumvarpiYarsemaldreireynirYaukvWiogYvekki   talinveraYrffyrirYau. {  ',o  Um42.gr. > p  GreininerbyggW9.mgr.48.gr.gildandilagaenY;erlagttilaWbttverWiviWkvWiW   aWgreiWslurdagpeningautanstofnanamiWistviWaWviWkomandieinstaklingurfigreittrW  stfunarfogerYaWsamrmiviWframkvmdTryggingastofnunar. r   Um43.gr. 5 Yr  GreininerbyggW12.gr.gildandilagaumflagslegaaWstoWog19.gr.lagaummlefni  aldraWra.    Um44.gr. a4 8s  GerterrWfyriraWrWherrasheimiltaWsetjareglugerWumeinstkatriWiervarWafram , kvmdYessakafla,m.a.umgreiWsluYtttkuheimilismannadvalarkostnaWi,fjrhWirog  tekjumrk,daggjlddvalarheimilafyriraldraWa,innheimtudvalarkostnaWar,treikning,  endurreikningoguppgjrdvalarframlagsogrWstfunarf. `    UmV.kafla. #" Gu  0YessumkaflafrumvarpsinserudreginsamanllhelstukvWigildandilagaumal # mannatryggingaroglagaumflagslegaaWstoWsemfjallaumframfrslubarna.Hrerum  $ aWrWabarnalfeyri,mWra-ogfeWralaun,barnalfeyrivegnanmsogmeWlagogaWrar !W% greiWslursamkvmtbarnalgum.ErtaliWskUraraaWhafaeinumkaflakvWigildandilaga O""& semkveWaumgreiWslurvegnabarna.AfsmustWuerukvWiummismunanditegundir #' greiWslnafrWsrstakargreinarenekkierulagWartilmiklarefnislegarbreytingar,enda #( stenduryfirheildarendurskoWunstuWningirkisinsviWbarnafjlskyldursemtekurmeWal $ ) annarstilYeirragreiWslnasemfjallaWerumkaflanum. {%N!*   Um45.gr. '", 1y  1.mgr.erbyggW1.mgr.20.gr.gildandilaga.X;erlagttilaWstaWorWsins?rorku '#- lfeyrisYegi verWimiWaWviWaWforeldrihafiveriWmetiWtil75%rorku,endasamrmistYaW (z$. 2.mlsl.umaWtekjurforeldrishafiekkihrifrtttilgreiWslubarnalfeyrisogframkvmd - Tryggingastofnunar.    2.mgr.ersamhlj;Wa5.mgr.20.gr.gildandilaga.    LagtertilaW2.mgr.20.gr.gildandilagaverWifelldbrottYarsemgreininertalin;Yrf. a KjrbrnhafadagsmurttarstWuogeiginbrnforeldraaukYesssemsmureglurgilda Y, umgreiWslurvegnafrfallseWarorkustjpforeldraefaWstWureruaWWruleytiYrsmu $ oglUsterkvWinu.    Um46.gr.  X H}  Greininersamhlj;Wa3.mgr.19.gr.gildandilagaogkveWurumgreiWsluviWb;tarviW P #  rorkustyrkvegnabarna.XykirrttaWfrakvWiWYennankaflasemkveWurumallar    greiWslurmeWbrnum.      & , Um47.gr. |O  ~  GreininerbyggW3.mgr.20.gr.gildandilagaenYverbttviWkvWiWaWsamaeigi G  viWY;ttlfeyrisgreiWslurhafifalliWniWurvegnasjkrahsvistareWadvalarstofnunogerYaW   samrmiviWframkvmdTrygging',|~astofnunar.     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Um50.gr. i d  kvWiWersamhlj;WafyrrimlsliW6.mgr.20.gr.ngildandilaga.Afturm;tierlagt a4 tilaWkvWisamsvarandisWarimlsliW6.mgr.20.gr.verWifelltbrott,Y.e.aWekkiskuli , greiWabarnalfeyrivegnaYeirrabarnaernj;tarorkulfeyris.ErYaWgertYarsemtaka  rorkulfeyrishefstnviW18raaldurenekki16raeinsogWurogYverekkiYrfYv  aWkveWasrstaklegaumYettaatriWi. `    Um51.gr. #"   KveWiWerumbarnalfeyrivegnanms3.gr.lagaumflagslegaaWstoW,nr.99/2007. # LagtertilaWheitikvWisinsverWi?StuWningurvegnanms ogaW4.!7.og9.mlsl.1.mgr.  $ fallibrottendaerkveWiWumYessiatriWireglugerWnr.140/2006semYykirrttaraYarsem !W% umframkvmdalegatriWieraWrWa.XerkvWinuskiptuppfleirimlsgreinarsemYykir O""& skUraraengildandilgum. #' & a   1.mgr.erefnislegasamhlj;Wa1.mlsl.3.gr.gildandilaga.EinnigerlagttilaWtekiWverWi #( framkvWinuaWungmenniYurfiaWverabsetthrlandien2.mgr.1.gr.gildandilaga $ ) umflagslegaaWstoWkemurframaWbtursamkvmtYeimlgumsueingngugreidd'a#ar {%N!* Yeimsemeigalgheimilihrlandi. F&"+   2.mgr.erefnislegasamhlj;Wa8.og10.mlsl.1.mgr.3.gr.gildandilaga. '",   03.mgr.erlagttilaWlgmarkstminmsverWistytturfimmmnuWitilaWtryggjaaW '#- kvWiWnieinnigtilungmennasemeruaWhefjanmeWaljkanmi.AWWruleytier (z$. kvWiWsamhlj;Wa2.og3.mlsl.1.mgr.3.gr.gildandilaga. -   4.mgr.erefnislegasamhlj;Wa11.mlsl.1.mgr.3.gr.gildandilaga.X;ersbreyting  lgWtilaWskyltsaWltatilaWstWnaogteknaungmennisinsYarsemumflagsleganstuW  ningeraWrWaenekkilgbundinnrtt. a   05.mgr.erkveWiWumfjrhWstuWningssamkvmtkvWinuogerekkiumefnislega Y, breytinguaWrWafr3.gr.gildandilagaumflagslegaaWstoW. $   Um52.gr.     kvWiWerbyggt2.gr.lagaumflagslegaaWstoW,nr.99/2007,enlktogkemurfram  X almennumathugasemdumviWfrumvarpiWerlagttilaWkvWiYeirralagaverWifrWinn P #  frumvarpYetta.0frumvarpinueruhinnb;ginnlagWartilnokkrarbreytingarngildandi    kvWi.    & a   LagtertilaWb;taflokkurinnfinUttheiti,StyrkirtileinstWraframfrenda,staWmWra-   ogfeWralauna.TilgangurkvWisinseraWveitabarnafjlskyldum,YarsemaWeinserumeinn |O  'a ^framfrandabarnsaWrWa,fjrhagsleganstuWning.ErYvlagttilaWstuWningurinnniekki G  eingngutileinstWraforeldraheldurtilallraYeirrasemerueinirumframfrslubarnaog   faravaranlegameWforsjYeirra.ErYaWeinnigsamrmiviWniWurstWurskurWarnefndar   almannatryggingamlinr.426/2010. {    01.mgr.erlagttilaWstaWYessaWkveWaumaWheimiltsaWgreiWamWra-ogfeWra sF launatileinstWraforeldra,aWkveWnumskilyrWumuppfylltumeinsogner,verWikveWiW > umaWstyrkirYessirgreiWisteinstWumframfrendumaWYessumsmuskilyrWumuppfyllt   um.ErYaWsamrmiviWframkvmdTryggingastofnunarYarsemekkerteinstaklingsbundiW  matYrfferframheldurerngjanlegtaWsUnaframaWviWkomandiforeldriseinsttt r meWbrnyngrien18raframfri.EinnigerlagttilaWviWframkvmdkvWisinsteljist j= YeirsemerumeWlagsskyldirgagnvartbarniekkiveraframfrendurogeigiYvekkitilkall 5 tilstyrkja.ErYaWsamrmiviW1.mgr.68.gr.tekjuskattslagasemkveWurumgreiWslu  barnab;ta.    FjrhWir2.mgr.hafaveriWuppfrWarenaWWruleytierkvWiWefnislega;breytt. i   3.mgr.frumvarpsinserefnislegasamhlj;Wa3.og4.mgr.2.gr.gildandilagaenorWalag a4 ergertskUrara.X;erlagttilaWupphafgreiWslustyrkstilmakaeinstaklingssemvistaWur , hefurveriWfangelsieWastofnunmiWistviWa.m.k.fjgurramnaWasamfelldadvltilsam  rmisviW71.gr.frumvarpsinsumbrottfalllfeyrisgreiWslnatilfanga.    4.mgr.erefnislegasamhlj;Wa4.mgr.2.gr.gildandilaga. `    Um53.gr. #" a  kvWiWerefnislegasamhlj;Wa1.!3.og5.mgr.63.gr.gildandilaga. #   &  Um54.gr. !W%   1.mgr.ersamhlj;Wa4.mgr.63.gr.gildandilaga. O""&   2.mgr.ernUmli.XarerlagttilaWlgfestverWisreglasemframkemur2.og3.mgr. #' 7.gr.reglugerWarnr.945/2009,umframkvmdmeWlagsgreiWslnaogannarraframfrslu #( framlaga,aWhafimeiraentveirmnuWir'!"liWiWfrtgfumeWlagskvrWunarYegars;tterum $ ) greiWslumeWlagsafturtmann,skuliTryggingastofnungreiWameWlagfrbyrjunYessmn {%N!* aWarsemums;knognauWsynlegfylgiggnberast.XertekiWframaWstofnuninnisheimilt F&"+ aWgreiWameWlagalltaW12mnuWiafturtmannendaliggifyriraWumskjandihafiekki '", fengiWgreittfyrirsamatmabil.HrerummikilvgtkvWiaWrWasemtlaWeraWkoma '#- vegfyrirtvgreiWslumeWlagsfyrirsamatmabil.Tryggingastofnunhefurmillignguum (z$. meWlagsgreiWslurefYesser;skaWafhlfumeWlagsm;ttakandaenaWilargetavallthaftann - anhttnaWkomustofnunarinnar.    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G  j  TilaWnframsemmestrieinfldunlagannaerlagttilaWkvWilagaumflagslegaaW   stoWverWisameinuWkvWumlagaumalmannatryggingarenaWkvWiumYannfjrhags   legastuWning,semteljamaWberilleinkenniflagslegraraWstoWar,verWisrstkumkafla {  ogaWnnarverWiskUrthvaWaheimildirstj;rnvldhafaoghvaWaYttirsuteknirmeW sF reikninginnviWmatkvrWungreiWslnahverjusinni.kvWiumaWrargreiWslursamkvmt > gildandilgumumflagslegaaWstoW,semkvarWaWarerunnokkurseinstaklingsbundins   mats,frasthinsvegarviWeigandikaflafrumvarpsins.    LagtertilaWheitikaflansverWi?StuWningurvegnasrstakraaWstWna YarsemYeim r greiWslumsemYarerkveWiWumereinkumtlaWaWkomatilm;tsviWaWstWursemhafa j= frmeWsraukinfjrtgjldogtekjuleysi.0kaflanumerYvaWfinnaYaukvWigildandi 5 lagaumflagslegaaWstoW,nr.99/2007,semekkihafaveriWfrWinnaWrakaflaYessaralaga.  UmeraWrWauppb;tlfeyrivegnaframfrslu,uppb;tlfeyrivegnakostnaWar,uppbtur  vegnahreyfihmlunar,styrkitilbifreiWakaupa,endurgreiWsluumtalsverWskostnaWarviW i lknishjlpoglyf,umnnunargreiWslur,umnnunarbturogdnarbtur. a4   EinsogtarlegaerfjallaWumalmennumathugasemdumviWfrumvarpiWvaralmanna , tryggingalgunumskiptriW1993annarsvegarlgumalmannatryggingar,nr.117/1993,  oghinsvegarlgumflagslegaaWstoW,nr.118/1993,tengslumviWgildistku  EES-samningsinsYarsemgreiWslurflagslegraraWstoWarfallaekkiundirsamninginn.Vegna `  endurskoWunaralmannatryggingalagannaoglj;sibreytingasemtthafasrstaWfrYeim X+! tma,vartaliWtmabrtognauWsynlegtaWfaraaWnUjuyfirallagreiWslu-ogb;taflokkagild #" andilagaumalmannatryggingaroglagaumflagslegaaWstoWogmetanU,hvortumvri # aWrWagreiWslursemflokkamegisemgreiWslurflagslegraraWstoWar,greiWsluralmanna  $ tryggingaeWasemblandaWargreiWslurerberieinkennihvorstveggja.LagtertilaWfra !W% kvWiumYrgreiWslur,semflokkamsemflagslegaaWstoWoggreiWslursemberaein O""& kennihvorstveggja,almannatryggingaogflagslegraraWstoWar,Yennankafla.MeWsrstku #' markmiWskvWiersvoundirstrikaWaWhrsumflagsleganstuWningrkisinsaWrWasem #( takimiWafflagslegumogefnahagslegumaWstWumhrlandiogsemeingnguerheimilt $ ) aWveitaYeimsembWieigalgheimiliogerubsettirhrlandi. {%N!*   Um57.gr. '", $  0kvWinuertilgreintmarkmiWmeWVI.kaflafrumvarpsinssemeraWveitalfeyrisYegum '#- semhafatekjurundirlgmarksframfrsluviWmiWistuWningtilframfrslumeWhliWsj;naf (z$. efnahag,flagslegumaWstWumoglfskjrum0slandi.EnnfremurerlagttilaWfjrhW - greiWslnasamkvmtkaflanumtakimiWaffjrhagslegumogflagslegumaWstWumhlutaW  eigandiogYannigverWiunntaWbregWastviWfjrhagslegriYrfviWkomandi.XannigerstuW  ningursamkvmtYessumkaflantengdurflagsleguumhverfiviWkomandieinstaklings.0 a tengslumviWuppbturogstyrkivegnabifreiWafatlaWramnefnaaWalmenningssamgngur Y, erufbreyttarhrlandi,fjarlgWirmiklarogoftslmirvegirsemorsakaYaWaWYrffyrir $ bifreiWarogaWstoWviWsamgngurermikil.XermarkmiWreglugerWarnr.170/2009,umupp  bturogstyrkitilbifreiWakaupa,frtkvWiW.     & , Um58.gr. P #  -  kvWiWerefnislegasamhlj;Wangildandi1.mgr.1.gr.lagaumflagslegaaWstoW,nr.    99/2007,YarsemtaldareruuppgreiWslursamkvmtlgunum.ErYaWsamrmiviWYtil    lgusemlgWerframfrumvarpinuum',P 9aWkvWilagaumflagslegaaWstoWverWifelldinn   lgumalmannatryggingar,sbr.YaWsemaWframangreiniralmennumathugasemdumviW |O  frumvarpiW. 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G    0sWarimlsliWkvWisinserYaWrttaWaWjafnrWisreglaskuligildaviWkvrWunsam   brilegramla,enYaWersamrmiviW1.mgr.11.gr.stj;rnsUslulagaumaWstj;rnvldskuli   viWrlausnmlagtasamrmisogjafnrWislagalegutilliti. {    Um86.gr. > U  SamkvmtkvWinuerlagttilaWkveWiWverWiumupphafoglokb;tarttar,enYaWer   efnislegasamhlj;Wa1.mgr.53.gr.ngildandilaga.OrWalagYesshefurhinnb;ginnveriW  skUrteinkumtilsamrmisviWYtillgusemlgWerframfrumvarpiYessuumaWbturog r greiWslursamkvmtlgunumverWigreiddareftir. j=   Um87.gr.  r  HrerkveWiWumaWbturogaWrargreiWslursamkvmtlgunumskuligreiddareftir  ,Y.e.fyrstadaghversmnaWarfyrirundanfarandimnuW.HrerumaWrWamikilvga i breytingufrnverandifyrirkomulagi,enskv.54.gr.gildandilagaerubturoggreiWslur a4 samkvmtlgunumgreiddarfyrirframfyrstadaghversmnaWar.stWurYessaWbreytingin , erlgWtilerueinkumYraWngildandikerfifylgjaUmsirvankantarsemmeWalannarsgeta  leitttilofgreiWslnab;ta.MeWYvaWgreiWabtureftirerumeirilkuraW  TryggingastofnunhafiundirhndumllnauWsynlegggntilaWgetatekiWkvarWanirum `  b;tarttogfjrhWirb;taogtilaWstWvagreiWslurb;tatmanlegaYegarskilyrWiYeirraeru X+! ekkilenguruppfyllt.XermikilvgtaWnnastllgreiWslukerfigerarWfyriraWbtursu #" greiddareftir,meWalannarshjflestumlfeyrissj;Wum,ogYvmgerarWfyriraWYvfylgi # aukiWhagrWifyrirlfeyrisYegaaWgreiWslurfrlfeyrissj;Wumogbturalmannatrygginga  $ beristsamatmafyrirsamatmabil.XerYaWalmennreglaYj;WflaginudagaWlauneru !W% greiddeftir.0kvWitilbrWabirgWaergertrWfyrirYvaWYeirsemfgreiWslurfr O""& TryggingastofnunviWgildistkulagaYessarafiframgreiddarbturfyrirframenaWYeir #' getiY;;skaWeftirYvaWfgreiddarbtureftirfyrstadaghversmnaWarfyrirundanfarandi #( mnuWsamrmiviWYettakvWi. $ )   2.mgr.ersamhlj;Wa2.mlsl.1.mgr.54.gr.gildandilaga. {%N!*   3.mgr.erbyggW2.mgr.53.gr.gildandilaga.LagtertilaWmetiWverWihverjusinni F&"+ hvortheimildinniverWibeittogaWbeitinghennartakmarkistviWYautilvikYegarsrstaklega '", stendur.X;ergertrWfyriraWheimildinniverWiekkibeitteftafirverWaraktartilum '#- skjandasjlfsogatvikeruaWlluleytilj;s.ErYaWtaliWsanngjarntaWumskjandibWiekki (z$. tj;nafYvefafgreiWslamlatefstvegnaatvikasemekkiverWaraktartilhans.Einniger - mikilvgtaWupplUsingagjfTryggingastofnunarsfullngjanditilaWkomavegfyriraW  f;lkuppgtvisWaraWYaWhafittrtttilgreiWslnafrstofnuninniogYurfiaWskjaumbtur  afturtmann.XhafaorWin?aWrarenslysalfeyrir veriWfelldbrottYarsemgerterrWfyrir a aWsettverWisrstklgumslysatryggingaralmannatrygginga. Y,   Um88.gr.  t  kvWiWersambrilegt1.mlsl.9.mgr.16.gr.gildandilagaengerterrWfyriraWum   skjandisupplUsturumkvrWunogforsendurhennaroghonumgefinnkosturaWkoma  X aWathugasemdumWurenendanlegkvrWunumrtttilb;taogfjrhWYeirraertekin. P #    Um89.gr.    +  0kvWinuerkveWiWumleiWbeiningarskylduTryggingastofnunar.1.mlsl.kvWisins   erefnislegasamhlj;Wa1.og2.mlsl.4.mgr.52.gr.ngildandilagaenhrerY;lagttilaW |O  orWin?tilhltar fallibrottendaerstofnuninnieftirsemWurskyltaWkynnasraWstWurum G  skjendaoggreiWsluYegaeinsogkosturer.XerlagttilaWleiWbeiningarskyldastofnunar   innarverWirUmkuWYannhttaWnsstofnuninniekkieingnguskyltaWgeraumskjanda   ogb;taYegagreinfyrirrttiYeirrasamkvmtlgumumalmannatryggingarheldureinnig {  llumWrumlgumsemstofnuninstarfareftir,tildmisbarnalgum. sF   2.og3.mlsl.kvWisinserunUmli.02.mlsl.erkveWiWumaWstofnuninnisskylt > aWskoWastWuogrttindiumskjandaeWab;taYegaheild.ErYettameWalannarsgerttil   aWkomavegfyriraWumskjandieWab;taYegifarimisviWrttindisemhanngtitttil  kalltil.XerkveWiWumaWstofnuninskulileiWbeinaumskjandaumrttarstWuhans,Yau r ggnsemYurfaaWfylgjaums;knsemogframhaldmlsins. j=   2.mgr.ereinnignUmlienYarerkveWiWumaWberisterindi,semekkivarWarstarfssviW 5 Tryggingastofnunar,skuliYaWframsentrttanstaWsvoflj;ttsemunnterogviWkomandi  leiWbeinteftirYvsemunnter.SlkleiWbeininggeturmeWalannarsfaliWsrrWgjfumhvert  umskjandieWaannaraWiligetileitaWmeWerindisitt,engeturaWsjlfsgWuekkifaliWsr i rWgjfvarWandirttindisemheyraundirnnurstj;rnvldeWaaWrarstofnanir.ErYaWtaliW a4 verasamrmiviW7.gr.stj;rnsUslulagaumaWstj;rnvaldskuliveitaYeimsemtilYessleita , nauWsynlegaaWstoWogleiWbeiningarvarWandiYaumlsemsnertastarfssviWYess.    Um90.gr. `    kvWiWernUmlienYverkveWiWumranns;knarskylduTryggingastofnunarWur X+! enkvrWunumb;tarttertekin.kvWiWersamrmiviW10.gr.stj;rnsUslulaga. #"   Um91.gr.  $ @  kvWiWerefnislegasamhlj;Wa1.mlsl.2.mgr.52.gr.gildandilagaenhefurveriWum !W% orWaWtilYessaWgeraYaWskUrara.XereinniglagttilaWtekiWverWiupplginaWumskj O""& andaogb;taYegasskyltaWtakaYttmeWferWmlstilYessleggjaherslumikilvgiYess #' aWYeimberiaWtakavirkanYttmeWferWmlasinnahjstofnuninni,einkummeWYvaW #( veitaYrupplUsingarsemtaldarerunauWsynlegartilYessaWhgtsaWtakakvarWanirum $ ) b;tartt,fjrhWb;ta,greiWslurogendurskoWunYeirra. {%N!*   02.mlsl.2.mgr.52.gr.gildandilagaerkveWiWumaWmakaumskjandaogb;taYega F&"+ sskyltaWveitaupplUsingarumsigefYrkunnaaWhafahriffjrhWb;ta.Hrerlagttil '", 2.mgr.kvWisinsaWkvWiumupplUsingaskylduskuligildaummakab;taYegaogum '#- skjandaeftirYvsemviWgeturtt,enYrffyrirslkarupplUsingarfrmakahefurY;minnk (z$. aWumtalsvertYarsemtekjurmakahafanmunminnavgienWur. -   &  Um92.gr.     kvWi1.mgr.erbyggt3.og4.mlsl.2.mgr.52.gr.gildandilaga.HrerYeimhluta a kvWisinshinnb;ginnskiptniWurYrjrmlsgreinartilYessaWgerakvWiWskUraraog Y, auWlesnara. $ '  FyrrimlsliWur2.mgr.erefnislegasamhlj;Wa5.mlsl.2.mgr.52.gr.gildandilaga.0sW  arimlsliWkvWisinsergertrWfyriraWupplUsingaskyldangildieinnigumtekjursambUlis   f;lksefskilyrWi3.mgr.62.gr.lagaumtekjuskattfyrirsamskttuneruuppfyllt.AWWrum  X kostiupplUsingaskyldaumtekjursambUlisaWilaekkiviWendaekkigertrWfyriraWtekjur P #  sambUlisaWilahafineinhriftreikningb;taYegarsvohttartil.      3.mgr.ersamhlj;Wa7.mlsl.2.mgr.52.gr.gildandilaga.kvWiWersamrmiviW    framkvmdTryggingastofnunar,enstofnuninniernauWsynlegt,eWlimlsinssamkvmt,aW   hafatiltkarupplUsingarumtekjurumskjendaogb;taYegaYegarumeraWrWatekju |O  tengdarbtur.0upphafiYarfaWaflasamYykkisumskjandaogerYaWgertums;knar G  eyWublaWiYarsemumskjandiheimilarstofnuninniaWaflaupplUsingaumtekjursnar.Hj   YeimsemYegarYiggjatekjutengdarbturfrstofnuninniliggursamYykkiWfyrirYannigaW   ekkiYarfaWleitaYessnemaeinusinni.StofnuninfrupplUsingaryfirleittsendarmeWraf {  rnumhttiY;ttupplUsingarberisteinnigtildmispapprfrumskjendum. sF   Um93.gr.     kvWiWerefnislegasamhlj;Wa3.mgr.52.gr.gildandilagaenhrereinniglagttilaW  TryggingastofnunskuligeraumskjandaeWab;taYegagreinfyrirafleiWingumYessefskor r unumaWveitaupplUsingarnarervirtaWvettugi.ErtaliWmikilvgtaWstofnuningeriviW j= komandiskUragreinfyrirafleiWingumYessa,Y.e.aWviWkomandifirrisigtmabundiWrttitil 5 b;ta.    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X   Um96.gr.    P  kvWiWernUmliogsrfyrirmyndkvWi94.gr.lagaumtekjuskatt,nr.90/2003,    ennauWsynlegtYykirvegnaeftirlitshlutverksTryggingastofnunaraWstofnuninfisemgreiW   astanaWgangaWYeimggnumogupplUsingumervarWabturoggreiWslurogY;keypisog |O  Yvformisemhn;skareftir.ErkvWinufyrstogfremsttlaWaWtakatilb;taYegaogum G  skjandaeneinnigtilopinberraaWilaogheilbrigWisstarfsmannasemveittgetaupp   lUsingarnar.XerYaWtekiWframsrstaklegaaWYettabreytiekki20.gr.lagaumYj;Wskrog   almannaskrningu,nr.54/1962,semkveWurumaWTryggingastofnunrkisinsstandistraum {  afrlegumkostnaWiviWreksturXj;Wskrr0slandsaW1/10hluta.EkkierheldurgertrWfyrir sF aWbreytingverWinverandiframkvmdaWYvervarWarlknisvottorWtildmistengslum > viWmatrorku.     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TryggingastofnunfermeWmjgviWkvmarupplUsingarogYvmikilvgtaWstarfsf;lksvel  upplUstumYagnarskyldusnaogYbyrgWsemYvfylgiraWskUrafrupplUsingumsemYaW r frvitneskjuumstarfisnuogleynteigaaWfara. j=   2.mgr.ernUmliYarsemframkemuraWYagnarskyldaneigieinnigviWumstj;rnstofn 5 unarinnarogYsemsinnaverkefnumfyrirstofnunina.Hrgetatildmistthlutverktakar  semvinnaaWupplUsingatkniverkefnumfyrirstofnunina.    Um99.gr. a4 /  kvWiWerefnislegasamhlj;WasWastamlsliW5.mgr.52.gr.gildandilaga. , & a   Um100.gr.    Greininerefnislegasamhlj;Wa1.mgr.7.gr.gildandilaga. `  'a  Um101.gr. #"   Greininerefnislegasamhlj;Wa1.mgr.8.gr.gildandilaga. #   Um102.gr. !W% M  Greininerefnislegasamhlj;Wa2.mgr.8.gr.gildandilaga. O""&   Um103.gr. #(   Greininerefnislegasamhlj;Wa6.,8.og9.mgr.8.gr.gildandilaga. $ )   Um104.gr. F&"+   Greininersamhlj;Wa7.mgr.8.gr.gildandilaga. '",   '#-   & ,  Um105.gr. - L  1.mgr.ersamhlj;Wa1.mgr.9.gr.gildandilagaenstWaYykirtilaWbtaYvviW  kvWiWaWrskurWirnefndarinnarsuendanlegirstj;rnsUslustigiogYeimverWiekkiskotiW  tilannarrastj;rnvalda.',-X a   2.mgr.ersamhlj;Wa2.mgr.9.gr.gildandilaga. Y,   03.mgr.erlagttilaWstaWYessaWtakmarkaheimildnefndarinnartilaWfrestarttarhrif $ umrskurWarviWaWmlsaWilihafigertkrfuumYaWverWinefndinniheimilaWaWfresta  rttarhrifumrskurWarexofficio.     Um106.gr. P #    Greininerefnislegasamhlj;Wa4.mgr.9.gr.gildandilaga.      Um107.gr.   Q  GerterrWfyriraWrWherrasheimiltaWsetjareglugerWumeinstkatriWiervarWafram |O  kvmdYessakafla,meWalannarsumums;knirumbtur,greiWslufyrirkomulagb;ta,upplUs G  ingaskylduogeftirlitsheimildirTryggingastofnunar.     UmIX.kafla. {    0YessumkaflaerfjallaWumstj;rnsUslu.XrmeginbreytingarsemlagWarerutileruaWgert sF errWfyriraWTryggingastofnunhafiYj;nustustWvarstaWumboWsskrifstofaogaWrWherra > kveWistaWsetninguYeirra.EnnfremuraWrWherragetikveWiWaWsameinaYj;nustu   stWvarnarviWYj;nustustWvarannarraopinberrastofnana.0frumvarpinuergerterrWfyrir  aWngildandifyrirkomulagumboWsskrifstofahjsUslumnnumlandsbyggWinnihaldistYar r tilrWherrakveWurendanlegahvernigfyrirkomulagiYj;nustustWvaskulihttaW.Xer j= TryggingastofnunrkisinseinungisnefndTryggingastofnunfrumvarpiYessu. 5   Um108.gr.    kvWiWsrfyrirmyndngildandi1.mgr.2.gr.lagaumalmannatryggingar.Lagter i tilaWframkomilgunumaWrWherrafarimeWyfirstj;rnlfeyristryggingaeneinnigmeW a4 yfirstj;rnannarramlefnasemkveWiWerumlgunum,tildmismilligngumeWlagshj , Tryggingastofnun.JafnframterlagttilaWframkomiaWrWherramarkistefnuinnanramma  lagannameWal& a annarsYeimtilgangiaWundirstrikaheimildirrWherratilstefnum;tunar,  stj;rnunarogskipulagningaralmennalfeyristryggingakerfisinsinnanrammalaganna. `  'a  Um109.gr. #"   1.mgr.kvWisinserbyggW1.og2.mgr.10.gr.ngildandilaga.HreruYrbreytingar # lagWartilaWTryggingastofnunskulihafaYj;nustustWvarstaWumboWsskrifstofaogaWrW  $ herraskulikveWastaWsetninguYeirra,nYessaWYaWsbundiWviWstaWiutanReykjavkur. !W% ErtaliWeWlilegtaWYaWshndumrWherraaWkveWaendanlegastaWsetningu,enaWafla O""& skuliumsagnarforstj;raogstj;rnarTryggingastofnunar.EnnfremurerlagttilaWrWherra #' verWiheimiltaWsameinaYj;nustustWvarnarviWYj;nustustWvarannarraopinberrastofnana, #( einnigaWfenginniumsgnforstj;raogstj;rnar.GerterrWfyriraWngildandifyrirkomulag $ ) umboWsskrifstofahjsUslumnnumlandsbyggWinnihaldistYartilrWherrakveWurhvernig {%N!*  fyrirkomulagiYj;nustustWvaskulihttaW. F&"+   2.mgr.ernUenYarkemurframaW& ,  kostnaWurafrekstriTryggingastofnunargreiWistr - rkissj;Wisamkvmtfjrlgumhverjusinni.ErYaWsamrmiviWgildandiframkvmd.    3.mgr.ersamhlj;Wa1.mgr.11.gr.gildandilaga.  ',-  Um110.gr. Y, @  0kvWinuerlagttilaWkveWiWverWitarlegarumhlutverkTryggingastofnunarengert $ erngildandilgum.X;kvWiWsekkitmandiYykirrttaWtilgreinahelstuverkefni  stofnunarinnarlgunummeWherslumeginhlutverkTryggingastofnunar,Y.e.framkvmd   lfeyristryggingarkisins.JafnframterlgWherslaaWstofnuninskuligtaYessaWnUta  X rekstrarfsemrangursrkastanhtt. P #    Um111.gr.      1.,4.og5.mgr.kvWisinserusamhlj;Wa3.gr.gildandilagasemfjallarumstj;rnTrygg   ingastofnunar. |O    2.og3.mgr.kvWisinserunnastsamhlj;Wa1.og2.mgr.4.gr.gildandilaga.Ennfrem G  urerlagttilaWformaWurstj;rnarskuliupplUsarWherraefstarfsemi,Yj;nustaeWarekstur   stofnunarinnarerekkisamrmiviWlgeWastj;rnvaldsfyrirmli,engildandilgumerein   ungiskveWiWumaWupplUsaskuliefYessiatriWieruekkisamrmiviWfjrlg.ErYettagert {  tilaWtakaafallanvafaumeftirlitsskyldustj;rnarogupplUsingaskylduformannsgagnvart sF rWherra. >   Um112.gr.  Y  1.mgr.kvWisinserbyggW5.gr.og1.mgr.6.gr.gildandilagaumalmannatryggingar r enhrerlagttilaWgerWverWikrafaumaWforstj;riTryggingastofnunarhafilokiWnmih j= sk;lastigi,hafireynsluafrekstriogstj;rnunsemnUtiststarfiogbiyfirYekkingusviWi 5 velferWarmla.ErtalinrkstWatilaWgeramiklarhfniskrfurtengslumviWstarfforstj;ra  TryggingastofnunarogerYvsambandimeWalannarslitiWtil1.mgr.7.gr.laganr.  112/2008,umsjkratryggingar. i   2.mgr.ersamhlj;Wa2.mgr.6.gr.gildandilagaenmeWrltiWbreyttuorWalagi.Gerter a4 rWfyriraWrWherrasetjiforstj;raerindisbrfhvertsinnernUrforstj;rierskipaWur,svoog , hvenrsemtalinerYrfaWbreytaerindisbrfinu,tildmisYegarmarkmiWumerbreytteWa  nUverkefnikomatil.    3.mgr.eraWmestu;breyttenYarerlagttilaWkveWiWverWiumaWforstj;riTrygg `  ingastofnunarberilagalegaogrekstrarlegabyrgWstofnuninni.EinnigerlagttilaWbtt X+! verWiviWkvWiWnUjummlsliWYessefnisaWforstj;riberibyrgWstarfsemistofnunarinnar #" ogerYaWmeWalannarssamrmiviW3.mgr.7.gr.lagaumsjkratryggingar. #   Um113.gr. !W%   Er1.mgr.efnislegasamhlj;Wa2.mgr.7.gr.gildandilagaenorWalagiYesskvWiserhr O""& ltillegabreytt. #'   2.mgr.ersamhlj;Wa3.mgr.7.gr.gildandilaga. #(   3.og4.mgr.erusamhlj;Wa3.og4.mgr.8.gr.gildandilaga. $ )   05.mgr.erkveWiWumaWYagnarskyldanefndarmanna,starfsmannaogrWgjafanefndar {%N!* innarfarieftir98.gr.enYareraWfinnaalmenntYagnarskyldukvWi.HrerYvlagttilaW F&"+ smureglurgildiumYagnarskylduYessaraaWilaogumstarfsmennTryggingastofnunar, '", stj;rnhennar,starfsf;lkYj;nustuskrifstofahennarogallraannarrasemsinnaverkefnumfyrir '#- stofnunina.0gildandilgumumalmannatryggingarerutvennskonarkvWiumYagnar (z$. skyldu;annarsvegarumstarfsf;lkTryggingastofnunarogumboWsskrifstofahennar,sbr.4. - mgr.52.gr.laganna,oghinsvegarkvWiumYagnarskyldunefndarmanna,starfsmannaog  rWgjafarskurWarnefndaralmannatrygginga,sbr.5.mgr.8.gr.kvWi98.gr.ernnastsam  hlj;Wa5.mgr.8.gr.gildandilagaenYaWkvWierllustrangaraenYagnarskyldukvWi4. a mgr.52.gr.laganna.NnarerfjallaWumYagnarskyldunaathugasemdumum98.gr.frum Y, varpinu. $   6.mgr.erefnislegasamhlj;Wa5.mgr.9.gr.gildandilagaenhrerY;lagttilaWstaWorW  anna?BrskurWirnirskulubirtirnnafna,kennitalnaeWaannarrapers;nugreinanlegraauW   kenna komiorWin?BrskurWirnirskulubirtirnpers;nugreinanlegraupplUsinga 2.mlsl.  X EnnfremurerlagttilaWkveWiWverWiumaWnefndinbirtirskurWisnameWaWgengilegum P #  ogskipulegumhttienekkieingnguhelsturskurWisna.ErYaWmatlagthendurnefndar    innarhverskonarskipulagskulihaftbirtingurskurWa,tildmiseftirfordmisgildi,mikil    vgieWaWru.     7.mgr.ersamhlj;Wa6.mgr.9.gr.gildandilagaogYarfnastYvekkiskUringa. |O    Um114.gr.   |   GerterrWfyriraWrWherrasheimiltaWsetjareglugerWumeinstkatriWiervarWafram   kvmdYessakafla,meWalannarsumframkvmdalmannatrygginga,starfsemiTrygginga {  stofnunaroghlutverkhennar. sF   UmX.kafla.      0kaflanumerkveWiWumkvrWunfjrhWa,fjrmgnun,millirkjasamninga,tflutning  ogskrunb;ta,innleiWinguEES-gerWa,almennareglugerWarheimildoggildistkulaganna. r   Um115.gr. 5 *  LagtertilaWsettverWinUttkvWiumkvrWunfjrhWasamkvmtlgunumsemkomi  staW69.gr.ngildandilagaumalmannatryggingar.    1.mlsl.1.mgr.erefnislega;breytturfrgildandilgum.02.!4.mlsl.ertekiWmiWaf i 33.gr.lagaumatvinnuleysistryggingar,nr.54/2006,og15.tlul.kvWistilbrWabirgWaviW a4 gildandilgumalmannatryggingar.ErlagttilaWbtur,greiWslurogaWrarfjrhWirsam , kvmtlgunumkomitilendurskoWunarviWafgreiWslufjrlagarhvertogskuliviWYendur  skoWuntakamiWafYr;unlauna,verWlagsogefnahagsmla.ErtaliWeWlilegtaWAlYingi  kveWibreytingarfjrhWumlfeyristryggingaogWrumgreiWslumsamkvmtlgunum. `  JafnframterlagttilaWrWherrasheimilt,aWfengnusamYykkirkisstj;rnar,aWbreytafjr X+! hWummeWreglugerWefverulegarbreytingarverWalaunaYr;unogYj;Whagsforsendumfr #" afgreiWslufjrlaga. #   02.mgr.erlagttilaWlgfestverWiheimildrWherratilaWkveWareglugerW,aWfengnu  $ samYykkirkisstj;rnarinnar,aWgreiddarsusrstakarorlofs-ogdesemberuppbturtillf !W% eyrisYegaaWuppfylltumnnartilteknumskilyrWum.SlkaruppbturhafalengiveriWgreiddar O""& tillfeyrisYegameWstoWreglugerWum,enrttYykirYessarigreinaWlgfestaheimildrW #' herratilsetningarslkrareglugerWa. #(   Um116.gr. {%N!*   kvWiWerefnislegasamhlj;Wa24.!26.gr.gildandilagaumalmannatryggingarenhr F&"+ erlagttilaWYauverWisameinuWeittkvWi.0III.kaflagildandilaga,semfjallareingngu '", umlfeyristryggingar,erkveWiWumaWrlegheildartgjldlfeyristryggingaskulivera '#- samrmiviWkvrWunAlYingissamkvmtfjrlgumogfjraukalgumhversrs,enhrer (z$. lagttilaWstaWlfeyristryggingaverWikveWiWumaWallargreiWslursamkvmtlgunum, - verWifrumvarpYettaaWlgum,skuliverasamrmiviWfjrlgogfjraukalg,endaekki  einvrWunguumgreiWslurlfeyristryggingaaWrWa.    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G    Um118.gr.     kvWiWeraWmestuefnislegasamhlj;Wa68.gr.gildandilaga. {    0gagnkvmumsamningumumalmannatryggingareraWfinnasrstkkvWiumYaW sF hvaWalggjfskuligildaoghvaWteljistbsetasamkvmtsamningunum.Helstugildandi > millirkjasamningarsemtakatilalmannatryggingaerusamningurinnumEvr;pskaefna   hagssvWiW,sbr.lgumEvr;pskaefnahagssvWiW,nr.2/1993,meWsWaribreytingumog  NorWurlandasamningurinnumalmannatryggingar,sbr.lgnr.66/2004umlgfestinguhans. r XegareinstaklingurfellurundirslkansamninggildakvWihansumYaWhvaWalggjfskuli j= beitt. 5   01.mgr.erorWalaginubreyttYannigaWstaWorWalagsngildandi1.mgr.68.gr.?gagn  kvmrasamningatilhlunnindasemalmannatryggingarveita erkveWiWumgagnkvmrtt  indiogskyldursamkvmtlgunum.OrWalaggildandilgumYykirgamaldagsognUttorWa i laglUsirbeturefnisleguinnihalditvhliWa-eWafjlYj;WlegrasamningasviWialmanna a4 trygginga,sembWigetakveWiWumrttindiogskyldur.Xer2.mlsl.1.gr.tekiWfram , aWmeWsamningummegiveitaundanYgurfrkvWumlagannaeWatakmarkabeitingu  Yeirrasemerefnislegasamhlj;Wa3.mgr.10.gr.laganr.112/2008,umsjkratryggingar,og  YettaorWalagsreinnigfyrirmyndnorskulgunum. `  & ,   02.mgr.erlgWtilsbreytingaW2.mlsl.1.mgr.68.gr.gildandilagafallibrottorWin X+! ?hvortsemumeraWrWaslenskaYegnaeWaYegnaannarrasamningsrkja ,enekkiYykir #" rttaWbindalengurlgYtakmrkunaWgagnkvmirsamningarumalmannatryggingarviW # ',XG%nnurrkigetieingngutekiWtilrkisborgarasamningsrkjanna.TilvsunjafnrWisreglur,  $ reglurumskrunb;taoglagaskilerbttviWupptalninguhugsanleguefnisamningasem !W% ersamrmiviWefnitvhliWa-eWafjlYj;WlegrasamningasviWialmannatrygginga.Xer O""& lagttilaWfelldverWibrotttilvsun17.og58.gr.gildandilagaogtekintorWin?samkvmt #' almannatryggingalgum ,enrtturtilb;tagreiWslnaWrusamningsrkiereittYeirraatriWa #( semYegarerutalinupp1.mlsl.2.mgr.ogleiWirYaWafefnisamningannatilhvaWagagn $ ) kvmub;tagreiWslnaYeirtaka. {%N!*   kvWi3.mgr.semer&  ԀnUmlsgrein,srfyrirmynd63.gr.alaganr.54/2006,umat F&"+ vinnuleysistryggingar,og34.'F&M*gr.laganr.95/2000,umfWingar-ogforeldraorlof. '",   '#-   & a  Um119.gr. - Q+  1.mgr.erefnislegasamhlj;Wa1.mgr.58.gr.gildandilagaenmeWbreyttuorWalagi.0  kvWinuerkveWiWumheimildtilaWg'a-]+reiWabturtileinstaklingasembsettireruerlendis  rkjumsemsamiWhefurveriWviW.0staWorWanna?smubturogviWkomandihefWittrtt a hefWihannveriWbsetturhrlandi erlagttilaWkomi?btursamrmiviWnnari Y, kvWisamninganna .stWurYesseruaWtvhliWa-eWafjlYj;Wasamningarumalmanna $ tryggingargetaveriWmisjafniraWefnitilogYeiralmannatryggingasamningarsemgerWirhafa  veriWtakaekkitilgreiWslnasemteljasteingnguflagslegseWlisogtakamiWafefna   hagslegumogflagslegumaWstWum.EnsbreytingerlgWtilfrumvarpiYessuaWkvWi  X gildandilaganr.99/2007,umflagslegaaWstoW,oglaganr.100/2007,umalmannatryggingar, P #  erufelldinneinheildarlgogYvverWuraWbreytaorWalagigreinarinnar.      2.mgr.erefnislegasamhlj;Wa3.mgr.58.gr.gildandilagaogYarfnastekkinnari    skUringar.XegarumsamningsrkieraWrWaeryfirleittkveWiWumYaWsamningunum   sjlfumhvortoghvaWatilfellumeinstaklingurgetifengiWgreittsamkvmtlggjftveggja |O  rkjafyrirsamatmabil. 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