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'   &  12.gr.  Dnarbtur. `  l  EfslysveldurdauWainnantveggjarafrYvaWYaWbaraWhndumskalgreiWadnar S+! btursemhrsegir: "  (g03q"i0J"  i0J=n2g  a  .3  Ԉ0    EkkjaeWaekkill,semvarsamvistumviWhinnltnaeWaframfrihans,hlUturbtur, # 37.585kr.mnuWi8rfrdnardgri'lԀhinsltna.BtursamkvmtYessumstafliW  $ fallaekkiniWurY;ttekkjaeWaekkillstofnitilhjskaparnU.AndistekkjaeWaekkill !W% semb;tahefurnotiWsamkvmtkvWumYessarargreinarWurenbturhafaveriW J""& greiddaraWfulluskulueftirstWvarb;tannagreiddaraWjfnubrnumhinnaltnu,ef #' lfieru,eftirsmureglumtillokatmabilsins,ellatildnarbshans.i0J=njn݌#( Ќ  "i0J"  i0Jq2g  b  .3  Ԉ0    Barnalfeyri,302.100kr.rifyrirhvertbarn,sbr.aWWruleytilgumlfeyrisrttindi $ ) almannatryggingaogflagsleganstuWning.i0Jqq݌v%N!* Ќ  "i0J"  i0JIs2g  c  .3  Ԉ0    Afkomandi,eldrien18ra,semvegnarorkuvarframfrihinsltnaYegarslysiWbar A&"+ aWhndum,frbtur,eigiminnien469.111kr.ogalltaW1.407.843kr.,eftirYvaWhve  '", mikluleytihannnautstuWningshinsltnaviWfrfallhans.X;greiWastekkibturefr '#- orkaerminnien33%.i0JIsvs݌(z$. Ќ   (g00  Bturskv.a-ogc-liWum1.mgr.skulueigiveralgrien657.037kr.fyrirhvertslys.Lti ( hinnltniekkieftirsigaWstandendursemrtteigatilb;tasamkvmtYessumstafliWumskal  btaslysiWmeW657.037kr.semskiptastaWjfnumillibarnahinsltna,eflfieru,en  greiWastellatildnarbshans. a   Umf;sturbrnogf;sturforeldragildirsamaogumbrnogforeldra. T,   Frdnarb;tum,semgreiddareruvandamnnum,beraWdragaYrrorkubturer  greiddarhafaveriWeinulagiskv.4.mgr.11.gr.vegnasamaslyss.    13.gr.  X SjkrahsdvleWafangelsisvistb;taYega. K #  y  Umb;tarttYess,semnUturlfeyrissamkvmtlgumYessumogdvelstsjkrahsieWa    fangelsi,fersamkvmtkvWumlagaumlfeyrisrttindialmannatryggingaogflagslegan    stuWning.     C.Ums;knirumbturogupplUsingaskylda.  B  14.gr.    Ums;knirumbtur.   z  XegaraWhndumberslys,semtlamb;taskyltsamkvmtlgumYessum,skalatvinnu {  rekandieWahinntryggWi,efekkierumatvinnurekandaaWrWa,tafarlaustsendatilkynningu nF umslysiWYvformisemsjkratryggingastofnuninhefurkveWiW,samtnauWsynlegum 9 ggnum,tilstofnunarinnareWaYj;nustustWvahennarutanReykjavkur.HinumslasaWaeWa  YeimWrumsemgeraviljakrfutilb;tavegnaslyssinsberaWfylgjastmeWYvaWtilkynn  ingarskyldunnisfullngt.EfatvikaWslysinueru;lj;seWamlekkingilegaupplUsteWa r stWatilaWtlaaWslysiWhafiorWiWafhirWuleysieWallegumtbnaWi,svoogefsjkra e= tryggingastofnunineWaannarhvoraWila,atvinnurekandieWahinnslasaWieWafyrirsvarsmaWur 0 hans,;skarYessskallgreglustj;rirannsakamliW.    EfssemttiaWtilkynnaslyshefurvanrktYaWskalYaWekkiveraYvtilfyrirstWuaW  ssemfyrirslysivarWeWaeftirltnirvandamennhansgetigertkrfutilb;taefYaWergert i WurenrerliWiWfrYvaWslysiWbaraWhndum.HeimilterY;aWgreiWabturY;ttliWiW \4 srfrYvaWslysbaraWhndumefatvikerusvolj;saWdrtturinntorveldarekkigagna ' flunumatriWiermliskiptaoglknisfrWilegorsakatengslerulj;smillislyssinsog  einkennahinsslasaWaYegartilkynningberst.EkkierheimiltaWgreiWabturYegarmeiraen  tureruliWinfrslysdegiYegartilkynningberst,sbr.Y;2.mgr.21.gr.RWherrasetur `  reglugerWumnnariframkvmdkvWisins. S+!   & , 15.gr. # UpplUsingaskyldaumskjenda.  $   UmskjandaerrttogskyltaWtakaYttmeWferWmlsins,m.a.meWYvaWveitasjkra !W% tryggingastofnuninniYrupplUsingarsem',ɃԀtaldarerunauWsynlegartilYessaWhgtsaWtaka J""& kvrWunumb;tarttoggreiWslub;tasemogendurskoWunYeirra.XerskyltaWtilkynnaum #' breytingaraWstWumsemgetahafthrifbtur. #(   & , 16.gr. v%N!* UpplUsingarumtekjuroggreiWsluropinberragjalda. A&"+ 8  Sjkratryggingastofnunerheimilt,aWfengnuskriflegusamYykkiumskjandaogb;ta  '",  Yega,aWaflanauWsynlegraupplUsingaum',v%DԀtekjurumskjandaoggreiWsluropinberragjalda '#- hjskattyfirvldum,&   VinnumlastofnunogsambrilegumstofnunumerlendisYegarYaW ( viW,rafrnteWaannanhtt.'(    TeljiumskjandiupplUsingarfrYessumaWilumekkirttarskalhannleggjaframggn  YvtilstaWfestingar. a   17.gr.  SkorturupplUsingum.  l  EfekkireynistunntaWtakakvrWunumb;tartt,fjrhWoggreiWslub;taogendur   skoWunYeirravegnaskortsnauWsynlegumupplUsingumsemrekjamtilumskjandaer  X sjkratryggingastofnunheimiltaWfrestakvrWunoggreiWslub;taYartilrYverbtt. K #  StofnuninskaltafarlaustgeraviWkomandiviWvarteftilfrestunarkemur,skorahannaWveita    nauWsynlegarupplUsingaroggerahonumgreinfyrirafleiWingumYessefskorunumaWveita    upplUsingarerekkisinnt.     18.gr. B  UpplUsingaskyldaheilbrigWisstarfsmanna.      XeimheilbrigWisstarfsmnnumsembyrgWberavrslusjkraskra,sbr.lgumsjkra   skrr,erskyltaWveitalknum,eWaeftiratvikumhlutaWeigandiheilbrigWisstarfsmnnum {  sjkratryggingastofnunarinnar,YrupplUsingarogggnsemstofnuninnierunauWsynleg nF vegnakvrWunarumgreiWslub;ta. 9   19.gr.  UpplUsingaskyldastofnanaogfyrirtkja. r   Skattyfirvld,Tryggingastofnunrkisins,Vinnumlastofnun,Innheimtustofnunsveitar e= flaga,Xj;Wskr0slands,Fangelsismlastofnun,vtryggingaflg,sk;larogaWrarstofnanir 0 ogfyrirtkiskulultasjkratryggingastofnuntupplUsingaraWYvmarkisemslkarupp  lUsingarteljastnauWsynlegartilaWunntsaWframfylgjalgumYessum.    XskulusjkratryggingastofnuninogTryggingastofnunskiptastupplUsingumummat i rorkuogWrumupplUsingumaWYvmarkisemYrteljastnauWsynlegarviWframkvmd \4 lagaYessara. '   20.gr.  EftirlitogviWurlg. `  4  SjkratryggingastofnuninskalreglubundiWsannreynarttmtib;ta,greiWslnaogupplUs S+! ingasemkvrWunumrttindibyggist.StofnuninnierheimiltYgueftirlitsaW;skaeftir " llumggnumsemtalinerunauWsynlegtilaWsannreynarttmtikvarWanaoggreiWslna. #   Grundvllb;tarttarmendurskoWahvenrsemerogsamrmabturYeimbreytingum  $ semorWiWhafaaWstWumb;taYega.LeikirkstuddurgrunuraWb;tarttursekkifyrir !W% hendierheimiltaWfrestagreiWslumtmabundiWmeWanmlerrannsakaWfrekarogstWva J""& greiWslurkomilj;saWb;tarttursekkifyrirhendi.UmofgreiWslurogvangreiWslurferskv. #' 27.gr. #(   & a LeikigrunuraWbtursugreiddargrundvellirangraeWavillandiupplUsingafrb;ta $ ) YegaerheimiltaWaflaupplUsingafrWrumaWilumsemtlamaWgetiveittupplUsingar v%N!* ermliskiptaYvskyniaWleiWrttab;tagreiWslur.'a$J A&"+   Komilj;saWrangar,villandieWa;fullngjandiupplUsingarhafivsvitandiveriWveittar  '",  eWaltiWhjlWaaWveitanauWsynlegarupplUsingarYvskyniaWnj;tatryggingareWaf '#- ;rttmtargreiWslur,skalb;taYegiendurgreiWaYfjrhWsem&   ofgreiddvaraWviWbttu15% ( lagi.UminnheimtuofgreiWslnaferaWWruleytisamkvmtkvWum27.gr.'(>    D.MlsmeWferWo.fl.  a 21.gr. T, kvrWunb;ta.     Allarums;knirskulukvarWaWarsvoflj;ttsemkosturerogskulubturreiknaWarfr  YeimdegiYegarumskjandinnhefuruppfylltskilyrWitilb;tanna.MnaWarlegarbturskv.   11.og12.gr.reiknastY;frfyrstadeginstamnaWareftiraWb;tartturerfyrirhendiog  X fallaniWurlokYessmnaWarerb;tarttilUkur. K #    Bturvegnasjkrahjlpar,dagpeningarogdnarbturskalaldreikvarWalengraaftur    tmannentvrfrYvaWums;knognnurggnsemnauWsynlegerutilaWunntsaWtaka    kvrWunumb;tarttogfjrhWb;taberastsjkratryggingastofnuninni.UmgreiWslurslysa   lfeyrisafturtmannfersamkvmtlgumumfyrningukrfurttinda. wO    kvarWaWarbturfallaniWurefYreruekkis;ttarinnant;lfmnaWa,enkvarWam B  bturnUefrkstuddums;knberst.      Grundvllb;tarttarmendurskoWahvenrsemerogsamrmabturYeimbreytingum   semorWiWhafa. {    22.gr. 9 Matrorku.  џ  rorkaskv.11.gr.skalmetinsamkvmtlknisfrWilegumatiogkallastvaranleglknis  frWilegrorka.XarskalmetintilhundraWshlutavaranlegskerWinglkamlegriogeftir r atvikumandlegrifrnihjeinstaklingumsemorWiWhafafyrirlkamstj;ni.Umskjendur e= skulumetnirtfrsmulknisfrWileguforsendum;hWkyni,menntun,starfieWahuga 0 mlum.    MatvaranlegrilknisfrWilegrirorkuskalfyrstogfremstbyggjastmiskatflur  orkunefndarsamkvmtkvWumskaWab;talaga.HmarkvaranlegrarlknisfrWilegrar i rorkuer100%hvortsemumeraWrWaafleiWingareinsslysseWasamanlagWarorkuvegna \4 afleiWingafleirislysa. ' &    SjkratryggingastofnunerheimiltaWsemjaviWlknautanstofnunarinnarumverka  greininguogmatrorkuumskjenda.'ʣ    RWherraerheimiltmeWreglugerWaWkveWannarumframkvmdrorkumats. `    &  23.gr. " Stj;rnsUslukrur. #   Rsigreiningurumgrundvll,skilyrWieWaupphWb;tasamkvmtYessumkaflaer  $ heimiltaWkrakvrWunsjkratryggingastofnunarinnartilrskurWarnefndaralmannatrygg !W% ingasamkvmtlgumumlfeyrisrttindialmannatryggingaogflagsleganstuWning.'& J""&   KratilrskurWarnefndaralmannatryggingaskalveraskriflegogskalhnborinfram #' innanYriggjamnaWafrYvaWaWilamlsvartilkynntumkvrWun.Hjsjkratrygginga #( stofnuninniogYj;nustustWvumhennarutanReykjavkurskululiggja&  frammieyWublW $ ) YessuskyniogveitastarfsmennstofnunarinnarnauWsynlegaaWstoWviWtfyllinguYeirra.'$K v%N!*   Sjkratryggingastofnuninskalltanefndinnitllggnmls,svoogYrupplUsingar A&"+ ogskUringarsemnefndintelurYrf.  '",   SjkratryggingastofnuningeturhfWaWd;msmltilaWfhnekktrskurWirskurWarnefnd '#- aralmannatrygginga. (z$. Ї  & , 24.gr. ( GreiWslurtilYriWjaaWila.    EftalinerhttaaWgreiWslursemtlaWarerub;taYegaeWaframfrandatilframfrslu  sunotaWarYannhttaWeigisamrUmist',(Ԁtilgangilagannaerheimilt,efsrstakaraWstWur a erufyrirhendi,aWgreiWaYreWahlutaYeirraWrumenb;taYegaeWaframfranda.Slkar T, kvarWanirskuluvalltveratmabundnarogteknarsamrWiviWflagsYj;nustuhlutaWeig  andisveitarflagseWabarnaverndarnefnd,efumeraWrWagreiWslurvegnaframfrslubarna.    25.gr.  X StWvunb;tagreiWslna. K #    HeimilteraWstWvagreiWslurb;ta,semtlaWarerub;taYegumsjlfum,efhlutaWeigandi    vanrkiraWfaraaWlknisrWumeWaneitaraWhltafyrirmlumumYtttkuYjlfuneWa    starfsnmisembttgtiafkomuhanseWabiWhannundirnUttstarf.     26.gr. B  BannviWframsali,veWsetninguo.fl.      :heimilteraWframseljaeWaveWsetjab;takrfursamkvmtlgumYessumogekkim   kyrrsetjaYrngeraYeimfjrnmnhaldab;taftilgreiWsluopinberragjalda,annarraen {  iWgjaldasamkvmtlgumYessum. nF   27.gr.  OfgreiWslurogvangreiWslurb;ta.  d  Hafisjkratryggingastofnuninofgreittb;taYegabtursamkvmtlgumYessumskal r stofnunindragaofgreiddarbturfrb;tumsemb;taYegikannaWWlastrtttilsWar,sbr.Y; e= 2.mgr.Einnigsjkratryggingastofnuninendurkrfurtthendurb;taYegaeWadnarbi 0 hanssamkvmtalmennumreglum.  &    Hafisjkratryggingastofnuninvangreittb;taYegabturskalstofnuningreiWahonumeWa  dnarbihansYaW'Ԁsemuppvantar.XegarbtureruvangreiddarskalgreiWavextiYfjr i hWsemvangreiddvarogreiknastYeirfrYeimdegiYegarskilyrWitilb;tannaeruuppfyllt, \4 Y;aldreilengraafturtmannentvr.SkuluvextirYessirverajafnhirvxtumsemSeWla ' banki0slandskveWurogbirtirsamkvmtlgumumvextiogverWtryggingu.SamaviW  YegarniWurstaWarskurWarnefndaralmannatrygginga,sbr.23.gr.,leiWirtilYessaWeinstak  lingurrttb;tumenhafWifengiWsynjuneWalgribturhjsjkratryggingastofnuninni, `  sbr.Y;21.gr.EfbtureruvangreiddarvegnaskortsupplUsingum,sbr.17.gr.,fallavextir S+! niWur. "   XegargreiWslaskv.1.mgr.stafarafsviksamleguatferlib;taYegaskalhanngreiWadrttar # vextiYb;tafjrhWogreiknastYeirfrYeimtmaYegarendurkrfurtturstofnast.  $   kvarWanirsjkratryggingastofnunarinnarumendurkrfuofgreiddrab;tasamkvmt !W% kvWiYessueruaWfararhfar.Stj;rnsUslukrafrestarY;aWfrgrundvellikvrWunar J""& stofnunarinnarumendurkrfuofgreiddrab;ta. #'   RWherraerheimiltaWsetjareglugerWumnnariframkvmdgreinarinnar,m.a.uminn #( heimtuofgreiddumb;tum,undanYgurfrinnheimtuofgreiddrab;taogafskriftirkrafna. $ )   v%N!* &     E.Tekjur.  ( 28.gr.  TekjuraftryggingagjaldiogiWgjld.  G  Btgjldslysatryggingaalmannatryggingaskuluborinaftekjumrkissj;Wsaftrygginga a gjaldiogiWgjldumskv.3.mgr.XskalrlegakveWafjrlgumframlagsemstandaskal T, undirkostnaWiafb;tumvegnaYeirrasemumgeture-liW1.mgr.6.gr.'(1    Sjkratryggingastofnuninskalrhvertgeratlunumb;tagreiWslurogrekstrarkostnaW  slysatrygginganstaalmanaksr.     IWgjldtgerWarmannafiskiskipavegnaslysatryggingasj;mannaskuluvera0,65%af  X samanlgWumlaunumogaflahlutsj;mannasemhjYeimstarfahverjusinni.IWgjldYessi K #  skulusamtdagpeningumskv.6.mgr.31.gr.standaundirgreiWslulaunaog/eWaaflahlutar    skv.2.mgr.31.gr.ogrekstrarkostnaWislysatryggingavegnaframkvmdarsjkratrygginga    stofnunarinnarviWtrygginguYessa.     IWgjldYeirrasemheimilisstrfstundaskv.7.gr.skulukveWinYannigaWYaustandi wO  undirkostnaWiviWtryggingunaogrekstrarkostnaWisjkratryggingastofnunarinnarvegna B  framkvmdarinnar.      29.gr. {  lagningoginnheimta. nF W  IWgjldskv.28.gr.skalrkisskattstj;rileggjameWtekjuskattiogfraYauskattskr, 9 sbr.98.gr.lagaumtekjuskatt,ogskulukvWi99.gr.YeirralagaogkvWilagaumyfir  skattanefndgildaumiWgjldeftirYvsemviW.    kvWilagaumtryggingagjaldskulueigaviWumgjaldstofn,gjaldskyldu,greiWslutmabil, r lagninguoginnheimtuiWgjaldstgerWarmannafiskiskipavegnaslysatryggingasj;manna. e= AWtekjuriliWnuskalfaraframendanlegkvrWuniWgjaldsinssamrmiviWlaunaframtal 0 ogskaliWgjaldiWsrgreintlagningarskrogskattskr.Rkisskattstj;riskalhaldaskryfir  gjaldskyldaaWilaogskaleftiratvikumleitastaWfestingariWgjalditgerWaraWilaYegar  greiWsluskyldasjkratryggingastofnunarinnarerkvrWuW. i   GjalddagariWgjaldaskulukveWnirreglugerW. \4   IWgjldtilslysatryggingaskuluinnheimtafinnheimtumnnumrkissj;Wsogsveitarsj;Wa ' eWasrstkuminnheimtustofnunum.kvWilagaumtekjuskatt,YarmeWalumdrttarvexti  ogfjrnmsrtt,gildauminnheimtuiWgjalda.    30.gr. S+! LgveWskipum. "   IWgjldtgerWarmannafiskiskipavegnaslysatryggingasj;mannaskv.28.gr.skuluhvla # semlgveWhlutaWeigandiskipumoggangafyrirllumWrumveWumenlgveWumfyrir  $ gjldumrkissj;Ws. !W%   31.gr. #' ViWb;tartryggingtgerWarmannafiskiskipa. #(   BtgerWarmennfiskiskipaskulutryggjahttuvegnab;taskyldraslysasamkvmtlgum $ ) Yessumog1.mgr.36.gr.sj;mannalagahjsjkratryggingastofnuninni. v%N!* &    SjkratryggingastofnuningreiWirtgerWarmnnumfjrhWsemsvarartilfullralauna A&"+ og/eWaaflahlutarsj;mannaalltaWtvomnuWi.'A&  '",    BtgerWarmennskulugreiWaiWgjaldskv.28.gr. '#- &     BtgerWarmennsemYess;skagetasagtupptryggingu,sbr.1.mgr.,fyrir1.n;vemberr ( hvertvegnanstarseftir.Tilkynningumuppsgn'(Ԁskalberastsjkratryggingastofnuninni.  EftiraWuppsgnhefurWlastgildieigatgerWarmennekkirttgreiWslumvegnalaunaeWa  aflahlutarforfllumvegnaslysaennj;taslysatryggingaalmennralaunYega. a   HaldaskaltryggingumsamkvmtYessarigreinreikningslegaaWskildumfrannarristarf T, semisjkratryggingastofnunarinnar.    Dagpeningarskv.10.gr.skulurennatilsjkratryggingastofnunarinnarYanntmasem  greiWslurlaunaogaflahlutareigasrstaW.     IV.KAFLI K #   TmiskvWi.     32.gr.    RttarstaWasambWarf;lks.   S  Einstaklingarsemeru;vgWrisambW,sbr.2.gr.,eWastaWfestrisamvistnj;tasmurtt wO  indaogberasmuskylduroghj;nhafasamkvmtlgumYessum. B    SameiginlegtlgheimilieWasambWeftirWrum;tvrWumggnumlengureneittrskal    lagtaWjfnuviWskrningusambWarYj;Wskr.     33.gr. nF MeWferWpers;nuupplUsinga. 9   ViWmeWferWpers;nuupplUsingasemaflaWersamkvmtlgumYessumskalYessgttaW  uppfylltsuskilyrWilagaumpers;nuverndogmeWferWpers;nuupplUsingaogjafnframtgtt  kvWalagaumrttindisjklingaoglagaumsjkraskrreftirYvsemviW. r   34.gr. 0 Skyldurstarfsf;lks.    Starfsf;lksjkratryggingastofnunarinnarskalkynnasraWstWurumskjendaogb;ta  YegaoggeraYeimgreinfyrirUtrastarttiYeirrasamkvmtlgumYessum,reglugerWumsett i umgrundvellilagannaogstarfsreglumstofnunarinnar. \4   Starfsf;lkisjkratryggingastofnunarinnarogYj;nustustWvahennarerskyltaWgtaYag ' mlskuumatriWierYaWfrvitneskjuumstarfisnuogleyntskulufarasamkvmtlgum,  fyrirmlumyfirmannseWaeWlimls.XagnarskyldahelstY;ttltiWsafstarfi.    XagnarskyldangildireinnigumYsemsinnaverkefnumfyrirstofnuninaeneruekki `  starfsmennhennar. S+!   35.gr. # Rttindimillilanda.  $   Xegarmillirkjasamningarsem0slanderaWiliaWkveWaumgagnkvmrttinditilslysa !W% tryggingaalmannatryggingaskuluYeirsemeigaaWfallaundirslenskalggjfsamkvmt J""& kvWumsamningannaWlastrttindisamkvmtlgumYessum. #'   EinstaklingarsemstarfaerlendisfyriraWilasemhefuraWseturogstarfsemi0slandiog #( semerusjkratryggWirskv.1.mgr.11.gr.lagaumsjkratryggingarenstarfaWrumrkjum $ ) enYeimsemsamningarskv.1.mgr.hafaveriWgerWirviWfallaeinnigundirslenskalggjf. v%N!* & a   RWherraseturreglugerWumnnariframkvmdgreinarinnar,m.a.umheimildtilaWdraga A&"+ frb;tumsamkvmtlgumYessumbtursamkvmterlendrilggjffyrirsamatmabilog  '",  bturerugreiddarfyrirhrlandi.'aA& '#- &     ViWframkvmdlagaYessaraskaltekiWtillittilmillirkjasamningasviWialmannatrygg ( ingaogflagsmlasem0slanderaWiliaW.'(.    36.gr. a kvrWunfjrhWa. T, '  Dagpeningar,rorkubturogdnarbtursamkvmtlgumYessumkomatilendurskoW  unarviWafgreiWslufjrlagarhvert.ViWendurskoWuninaskaltakamiWafYr;unlauna,verW  lagsogefnahagsmla.X;errWherraheimilt,aWfengnusamYykkirkisstj;rnar,aWbreyta   YessumfjrhWumefverulegarbreytingarverWalaunaYr;unogYj;Whagsforsendumfraf  X greiWslufjrlaga.XegarfjrhWumerbreyttsamkvmtYessukvWiskalYaWgertmeW K #  reglugerW.      37.gr.   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