WPC) >@<򼫸<cIVJbV p4F3to>jrTb>H N8yOFE8!cYͿRRCuHN`SJuhF,*DWgqfHƉ̈́5 W]J9y@2Q m|.&uٰNv _l)ygw9/GF7p;{79P}lfqoxH]bDM׸0UOwհˆ=2)o z.OvmDwm=aG4%&}nA;/)k_5zs9\i# bzg #!#`q)UDc]s) P!'`UN" %p 0v #m F6F| mw4^ ( 0Z 0( B- 0lL 0D 0z 0lvvv 0+v 0(dXXXXXXXXXXXN 1 0OOOO 0bb 0u!u! 0u$$ 0w % % 03%% 0&& 1u&&&& BW'W'W'W'W'W'W'W'W'W'W'W'W'W'W'W' 72t't't't' 1'''''''''''''''''''''U:G(G(G(G(M((((D(&d9 Z6Times New Roman RegularX(`$,..,TRW6&A4W6&A4 6&A4 6&A4T ? 0?vvbX0#ggdd  8dd8ISUS,.     ^^` Adobe PDF0W:\WP2000\template\SKJRI~3H.WPTW:\WP2000\template\SkjritunY2k.wptU-nMgbatsmN 3|x  a',..,XXXX? XX0?vvbX0#ggdd  ISUS,.   _>? #9#XX#XX{#(xir$0  0` (#(#0 ` (#` (#2#(  0  )3  0 (# (#8DocumentManagement::ModifiedBooleanTRUE($)Hairline d(%27$ `!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? xXX0?vvbX0#ggdd  8xdd8ISUS,.     ^^`   ux  0  0  (#$  0  \:GreinarfyrirGreinarfyrirsgn    T |:GreinarnmerGreinarnmer    X:KaflafyrirsKaflafyrirsgn     L |6KaflanmerKaflanmer    ikmo %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.(3$ `!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? xXX0?vvbX0#ggdd  8xdd8ISUS,.     ^^`   (3$ `!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? xXX0?vvbX0#ggdd  8xdd8ISUS,.     ^^`   (3n$ `!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? xXX0?vvbX0#ggdd  8xdd8ISUS,.     ^^`    d (M0J$2  0  .3  0 ` (O;$0  2#  a  .3  0` (#(#(u$0  0` (#(#` `  2  a  .3  0` (#` (#(`$0  0` (#(#0 ` (#` (#0 (# (#"h2  0  .3  0(#(#3#37=CIQYag1.a.i.(1)(a)(i)1)a) dqi) gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)4cp Z "Times Regular : e),..,XXXX? XX0?vvbX0#ggdd  ISUS,.   _>? Ҁ `!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? XX0?vvbX0#ggdd  8dd8ISUS,.     ^^`   _ _ikmo(%03q  149.lggjafarYing2018!2019. ( Xingskjal1719"764.ml.      @6Frumvarptillaga# @6,#     umdreifinguvtrygginga.    (Eftir2.umrWu,5.jn.) K #  O|    O|-  I.KAFLIO|-T݌    Ќ   N     N  GildissviWogorWskUringar.N݌   Ќ    K|    K|u  1.gr.K|u݌ wO  Ќ   J    J  GildissviW.J0݌ B  Ќ     LgYessigildaum_vtryggingamiWlara_,vtryggingaumboWsmenn,aWilasemdreifav    tryggingusemaukaafurWogvtryggingaflghrlandi.     XeirsemhafaheimildtilaWdreifavtryggingumsamkvmtlgumYessumeru: {   (g00_ikmo"i0J"  i0J 2g  a  .3  Ԉ0    vtryggingamiWlararsemhafastarfsleyfiFjrmlaeftirlitsins,i0J ݌nF Ќ  "i0J"  i0J 2g  b  .3  Ԉ0    aWilarsemdreifavtryggingusemaukaafurW,i0J ݌9 Ќ  "i0J"  i0J 2g  c  .3  Ԉ0    vtryggingaflg,i0J ݌ Ќ  "i0J"  i0J 2g  d  .3  Ԉ0    vtryggingaumboWsmennsemskrWireruhjvtryggingaflagi,i0J ݌ Ќ  "i0J"  i0J 2g  e  .3  Ԉ0    vtryggingamiWlarar,vtryggingaflgogvtryggingaumboWsmennmeWstarfsleyfi r WruaWildarrki,i0J ݌e= Ќ  "i0J"  i0J&2g  f  .3  Ԉ0    vtryggingamiWlarar,vtryggingaflgogvtryggingaumboWsmennmeWstarfsleyfiutan 0 aWildarrkjasemhafafengiWleyfitilaWrekatibhrlandi.i0J&S݌ Ќ  K|    K|  2.gr.K|݌ i Ќ   J    JP  StarfsemisemerundanYegin.JPz݌ \4 Ќ     LgYessigildaekkiumeftirfarandistarfsemi: ' ! ! _ikmo(%00"i0J"  i0J2%  1  .3  Ԉ0    TilfallandirWgjfeWaupplUsingagjfsemerveittvegnaannarraratvinnustarfsemief:i0J"݌ Ќ  "m"  m10  0 2%  a  .3  Ԉ0v  rWgjfineWaupplUsingagjfinverWurekkitilYessaWaWstoWerveitttilaWgera  vtryggingarsamningeWaefnahann,m1^݌` vv Ќ  "m"  m0  0ww 2%  b  .3  Ԉ0v  tilgangurinnmeWstarfseminnierekkiaWaWstoWaviWskiptavinviWaWgeravtrygg S+! ingarsamningeWaefnahann.m ݌"vv Ќ  "i0J"  i0J~2%  2  .3  Ԉ0    UmsUsluvtryggingaflagavegnab;takrafna,_tj;nsuppgjrs_Ԁog_srfrWimats_Ԁb;ta # krfum.i0J~݌ $ Ќ  "i0J"  i0J2%  3  .3  Ԉ0    AfhendingugagnaeWaupplUsingaummgulegavtryggingartakatil_vtryggingamiWlara_ !W% eWavtryggingaflagaYarsemengarfrekarirWstafanirerugerWartilaWaWstoWaviWaW J""& komaeWageravtryggingarsamningeWaefnahann.i0JD݌#' Ќ  "i0J"  i0JE2%  4  .3  Ԉ0    AfhendingugagnaeWaupplUsingatilmgulegravtryggingartakaumvtryggingar, #( _vtryggingamiWlara_ԀeWavtryggingaflgYarsemengarfrekarirWstafanirerugerWar $ ) tilaWaWstoWaviWaWkomaeWageravtryggingarsamningeWaefnahann.i0JEr݌v%N!* Ќ    LgYessigildaekkiumdreifinguvtryggingaYegarvtrygginguerdreiftsemaukaafurW A&"+  meWvruogeftirfarandiskilyrWieruuppfyllt:  '",b / /"i0J"  i0J2%  1  .3  Ԉ0    Vtrygging&   inertilviWb;tarvrueWaYj;nustusemaWililturtefvtrygginginnr ( tilhttunn'(-ar:i0J݌ Ќ  "m"  m 0  0 2%  a  .3  Ԉ0v  vrumsembila,glatasteWaskemmasteWaYj;nustusemekkiernotuW,m K ݌vv Ќ  "m"  mv!0  0ww 2%  b  .3  Ԉ0v  farangrisemskemmisteWaglatastogannarrarhttusemtengistferWsemb;kuWer.mv!!݌avv Ќ  "i0J"  i0J"2%  2  .3  Ԉ0    rlegtiWgjald,reiknaWhlutfallslegamiWaWviWriW,erekkihrraenjafnvirWi600evra T, slenskumkr;num.i0J"#݌ Ќ  "i0J"  i0JS$2%  3  .3  Ԉ0    VtrygginginerviWb;tviWYj;nustuskv.1.tlul.semerveittYrjmnuWieWaminna  ogiWgjaldeinstaklingserekkimeiraenjafnvirWi200evraslenskumkr;num.i0JS$$݌  Ќ  X;gildirkvWi4.mgr.33.gr.umendurgjaldumdreifinguvtryggingahjaWilumsemeru  X undanYegnirlgunumsamkvmtYessarimlsgrein. K #  K|    K|&  3.gr.K|&&݌    Ќ   J    Jd'  OrWskUringar.Jd''݌   Ќ     0lgumYessummerkir: wO  / /"i0J"  i0Js(2%  1  .3  Ԉ0    AWildarrki:RkisemeraWiliaWsamningnumumEvr;pskaefnahagssvWiW(EES),aWili B  aWstofnsamningiFrverslunarsamtakaEvr;pu(EFTA)eWaFreyjar.i0Js((݌   Ќ  "i0J"  i0J*2%  2  .3  Ԉ0    AWilisemdreifirvtryggingusemaukaafurW:EinstaklingureWalgaWili,semekkier   lnastofnunskv.2.tlul.1.mgr.1.gr.alagaumfjrmlafyrirtki,nr.161/2002,staW {  bundiWfyrirtkiskv.3.tlul.1.mgr.1.gr.asmulagaeWaverWbrfafyrirtkisemupp nF fyllirekkiskilyrWi3.mgr.25.gr.smulagaogdreifirvtryggingusemaukaafurWgegn 9 endurgjaldiaWuppfylltumeftirfarandiskilyrWum:i0J*J*݌ Ќ  "m"  m -0  0 2%  a  .3  Ԉ0v  starfseminermeginatriWumnnurendreifingvtrygginga,m -7-݌vv Ќ  "m"  mM.0  0ww 2%  b  .3  Ԉ0v  aWilinndreifireingnguvtryggingumsemeruviWb;tviWsluvrueWaYj;nustu,mM.z.݌rvv Ќ  "m"  m/0  0 2%  c  .3  Ԉ0v  vtrygginginerekkilfeWabyrgWartryggingnemahnshlutiafvrunnieWa e= Yj;nustunnisemerdreift.m//݌0vv Ќ  "i0J"  i0JK12%  3  .3  Ԉ0    Dreifingvtrygginga:i0JK1x1݌ Ќ  "m"  mC20  0 2%  a  .3  Ԉ0v  starfsemisemfelstaWveitarWgjfum,geratillguumeWaundirbagerWvtrygg  ingarsamnings,geraslkansamning,eWaaWstoWaviWumsUslueWaefndirsamnings i ins,mC2p2݌\4vv Ќ  "m"  m<40  0ww 2%  b  .3  Ԉ0v  starfsemisemfelstaWveitaupplUsingarumvtryggingarsamningeftirforsendum ' semviWskiptavinurvelur,vefsWueWaWrummiWlum;einnigaWgefaupplUsingar  umYrvtryggingarsemeruboWi,Y.m.t.verW,samanburWeWaafslttYegarviW  skiptavinurgeturgertvtryggingarsamning,beinteWa;beint,vefsWunnieWamiWl `  inum,m<4i4݌S+!vv Ќ  "m"  m#70  0 2%  c  .3  Ԉ0v  starfsemisemfelstaWveitarWgjfum,geratillguumeWaundirbagerW_endur " tryggingarsamnings_,efnaslkansamningeWaaWstoWaviWumsUslueWaefndirsamn # ingsins;samagildirYegarstarfseminerhjendurtryggingaflaginhlutunar_endur  $ tryggingamiWlara_.m#7P7݌!W%vv Ќ  "i0J"  i0J92%  4  .3  Ԉ0    DreifingaraWili:VtryggingamiWlari,vtryggingaflag,_vtryggingaumboWsmaWur_ԀeWa J""& aWilisemdreifirvtryggingusemaukaafurW.i0J9:݌#' Ќ  "i0J"  i0J;2%  5  .3  Ԉ0    Endurgjald:Hverskonarlaun,Y;knun,gjaldeWannurgreiWsla,samthverskonar #( efnahagslegumvinningieWaWrumfjrhagslegumeWa_;fjrhagslegum_ԀhagsmunumeWa $ ) WrumvinningieWahvatasemboWinneWagefinnervegnadreifingarvtrygginga.i0J;;݌v%N!* Ќ  "i0J"  i0J=2%  6  .3  Ԉ0    Gistirki:AWildarrkiYarsemeinstaklingureWalgaWilisemdreifirvtryggingumhefur A&"+  tibeWaveitirYj;nustunstarfsstWvar.i0J==݌ '", Ќ  "i0J"  i0Jb?2%  7  .3  Ԉ0    Heim&   arki:i0Jb??݌( Ќ  "m"  me@0  0 2%  a  .3  Ԉ0v  Xa'(@rsemeinstaklingursemdreifirvtryggingumhefuraWsetur.me@@݌vv Ќ  "m"  mA0  0ww 2%  b  .3  Ԉ0v  XarsemlgaWilisemdreifirvtryggingumhefurhfuWstWvar.mAA݌vv Ќ  "i0J"  i0JC2%  8  .3  Ԉ0    Nintengsl:XegartveireWafleiriaWilar,einstaklingareWalgaWilar,tengjastgegnum a yfirrWeWahlutdeild,eWaaWstWur,YarsemtveireWafleiriaWilar,einstaklingareWalg T, aWilar,eruvaranlegatengdireinumogsamaaWilanumyfirrWatengslum.i0JC;C݌ Ќ  "i0J"  i0JJE2%  9  .3  Ԉ0    RWgjf:Pers;nuleg_rWlegging_ԀfyrirviWskiptavinaWbeiWnihanseWaaWfrumkvWi  dreifingaraWilavegnaeinseWafleirivtryggingarsamninga.i0JJEwE݌  Ќ  "i0J "  i0JG112%  10  .3  Ԉ0    Btib:BtibeWaumboWdreifingaraWilavtryggingasemerstaWsettWruaWildarrki  X enheimarki.i0JG=G݌K #  Ќ  "i0J "  i0JH112%  11  .3  Ԉ0    VaranlegurmiWill:TkisemgerirviWskiptavinikleiftaWgeymaupplUsingar,sembeint    ertilhans,;breyttarYannigaWhanngetiafritaWYrogflettuppYeimhfilegantma.i0JHH݌   Ќ  "i0J "  i0JLJ112%  12  .3  Ԉ0    Vtryggingaflag:FrumtryggingaeWaendurtryggingaflagsemstarfarsamkvmtlg   umumvtryggingastarfsemi,nr.100/2016.i0JLJyJ݌wO  Ќ  "i0J "  i0JK112%  13  .3  Ԉ0    VtryggingamiWlari:EinstaklingureWalgaWili,meWstarfsleyfiskv.4.gr.,semdreifir B  _frum_Ԅog/eWaendurtryggingumgegngjaldi.i0JKK݌   Ќ  "i0J "  i0JlM112%  14  .3  Ԉ0    _VtryggingaslumaWur_:StarfsmaWursemstarfarviWdreifinguvtryggingavegumv   tryggingaflags,_vtryggingamiWlara_ԀeWa_vtryggingaumboWsmanns_ԀogbyrgWYeirra.i0JlMM݌{  Ќ  "i0J"  i0JO112%  15  .3  Ԉ0    _VtryggingaumboWsmaWur_:EinstaklingureWalgaWilisemgrundvellisamningsdreifir nF _frum_Ԅog/eWaendurtryggingumvegumeinseWafleirivtryggingaflagaogbyrgW 9 Yeirragegnendurgjaldi.i0JOO݌ Ќ  K|    K|Q  II.KAFLIK|QQ݌ r Ќ   N     N;R  Starfsleyfi_vtryggingamiWlara_Ԁogfjrhagslegarkrfur.N;ReR݌ e= Ќ    K|    K|%S  4.gr.K|%SLS݌ 0 Ќ   J    JS  Starfsleyfi.JSS݌  Ќ     FjrmlaeftirlitiWveitir_vtryggingamiWlara_ԀstarfsleyfisamkvmtlgumYessum._Vtrygg  ingamiWlara_ԀerheimiltaWhefjastarfsemiYegarFjrmlaeftirlitiWhefurveittstarfsleyfiog i skrWviWkomandi. \4 K|    K|U  5.gr.K|UU݌  Ќ   J    JPV  Ums;knumstarfsleyfi.JPVzV݌  Ќ     Ums;knumstarfsleyfi_vtryggingamiWlara_ԀskalveraskriflegogskulueftirfarandiskilyrWi `  verauppfyllttilaWfstarfsleyfi: S+! ! ! (g00_ikmo"i0J"  i0J{X2g  a  .3  Ԉ0    efumlgaWilaeraWrWaskalverastaWfestingaWstj;rnogframkvmdastj;rilgaWila " fullngikrfumskv.22.gr.ogeftiratvikum25.gr.,i0J{XX݌# Ќ  "i0J"  i0JZ2g  b  .3  Ԉ0    efumeinstaklingeraWrWaskalverastaWfestingaWhannfullngikrfumskv.22.gr.  $ ogeftiratvikum25.gr.,i0JZ?Z݌!W% Ќ  "i0J"  i0J[2g  c  .3  Ԉ0    veraskaltilstaWarvottorWumgildastarfsbyrgWartrygginguogskilmlahennarsamt J""& heitiogaWsetrihlutaWeigandivtryggingaflags,i0J[[݌#' Ќ  "i0J"  i0J ]2g  d  .3  Ԉ0    ekkiskuluveranintengslviWaWrastarfsemieWaeinstaklingasemgetahindraWeftirlit #( Fjrmlaeftirlitsins.i0J ]7]݌$ ) Ќ    EftirfarandiupplUsingarskulufylgjaums;knumstarfsleyfi: v%N!* ! ! _ikmo(%00"i0J"  i0J{_2%  1  .3  Ԉ0    Nafn,kennitalaoglgheimiliumskjanda.i0J{__݌A&"+   "i0J"  i0J`2%  2  .3  Ԉ0    Nfn,kennitluroglgheimilistofnendaoghluthafaefumlgaWilaeraWrWa.i0J``݌ '", Ќ  "i0J"  i0Ja2%  3  .3  Ԉ0    Nfn,kennitluroglgheimilistj&   ;rnarmanna,framkvmdastj;raogannarrastj;rnenda ( efumlgaWil'({baeraWrWa.i0Jaa݌ Ќ  "i0J"  i0JZc2%  4  .3  Ԉ0    EfumlgaWilaeraWrWa,upplUsingarumhluthafa,hvortsemYaWerueinstaklingareWa  lgaWilar,semeigameiraen10%eignarhlutstarfseminni.i0JZcc݌a Ќ  "i0J"  i0Jd2%  5  .3  Ԉ0    UpplUsingarumgreinaflokkavtryggingasemmiWla,sbr.20.og21.gr.lagaumv T, tryggingastarfsemi,nr.100/2016.i0Jd#e݌ Ќ  "i0J"  i0Jdf2%  6  .3  Ԉ0    SamYykktirlgaWilaefviW.i0Jdff݌ Ќ  "i0J"  i0Jgg2%  7  .3  Ԉ0    UpplUsingarumfyrirhugaW_starfsskipulag_ԀYarsemm.a.skalgreinafrfyrirhugaWristarf   semi,starfsstW,fjldastarfsmanna,innraeftirlitioghttustUringu.i0Jggg݌ X Ќ  "i0J"  i0J-i2%  8  .3  Ԉ0    tlunumstarfseminaYarsemkomaskalfram:i0J-iZi݌K #  Ќ  "m"  m=j0  0 2%  a  .3  Ԉ0v  rkstuttmatkostnaWiviWaWkomastarfseminnif;toghvernigtlaWeraWmta    YeimkostnaWi,m=jjj݌  vv Ќ  "m"  mk0  0ww 2%  b  .3  Ԉ0v  tluWstaWasamkvmtefnahagsreikningilokYriggjafyrstureikningsrannasamt   tlunumrlegartekjuroggjld,mkk݌wO vv Ќ  "m"  mfm0  0 2%  c  .3  Ԉ0v  tlunumhvernigumskjandihyggststandaviWskuldbindingarsnarfyrstuYrj B  reikningsrin.mfmm݌  vv Ќ  "i0J"  i0Jn2%  9  .3  Ԉ0    EfumlgaWilaeraWrWa,staWfestingaWstarfsmennhansuppfyllikrfurskv.23.gr.   ogeftiratvikum25.gr.i0Jno݌{  Ќ  "i0J "  i0JTp112%  10  .3  Ԉ0    GreinargerWumnintengslviWvtryggingaflgog_vtryggingamiWlara_.i0JTpp݌nF Ќ  "i0J "  i0Jq112%  11  .3  Ԉ0    0hvaWaaWildarrkjumerfyrirhugaWaWdreifavtryggingum.i0Jqq݌9 Ќ  "i0J "  i0Jr112%  12  .3  Ԉ0    AWrarviWeigandiupplUsingarsemFjrmlaeftirlitiWkveWur.i0Jrr݌ Ќ  K|    K|s  6.gr.K|st݌ r Ќ   J    Jt  Veitingstarfsleyfis.Jtt݌ e= Ќ     kvrWunFjrmlaeftirlitsinsumveitingustarfsleyfisskaltilkynntumskjandaskriflega 0 svoflj;ttsemunnterogeigisWarenYremurmnuWumeftiraWfullbinums;knbarst.    0starfsleyfiskalkomaframtilhvaWagreinaflokka_vtryggingastarfsleyfiW_Ԁtekur.    FjrmlaeftirlitiWskalbirtatilkynninguumstarfsleyfi_vtryggingamiWlara_ԀLgbirtinga i blaWi. \4 K|    K|w  7.gr.K|ww݌  Ќ   J    Jx  Synjunstarfsleyfis.Jx2%  7  .3  Ԉ0    Nfn,kennitlurogheimilistj;rnarmannaogframkvmdastj;ra,YegarviW.i0J>k݌ '", Ќ  "i0J"  i0Jr2%  8  .3  Ԉ0    0hvaWarkjumstarfsemierstunduWgrundvelli39.og40.gr.i0Jr݌'#- Ќ    AllarbreytingarskrninguskulutilkynntarFjrmlaeftirlitinueinsflj;ttogunnterog ( eigisWarenmnuWieftiraWYrhafatekiWgildi.FjrmlaeftirlitiWskalyfirfarareglulega  hvortskrningarsurttar.    UppfylliskrningarskylduraWiliekkilengurkrfurtilskrningarskaltilkynnaYaWtil a Fjrmlaeftirlitsinssemtekurhannafskrnni. T,   FjrmlaeftirlitiWskalsynjaaWilaskv.1.mgr.umskrningueflgogreglurrkisutan  aWildarrkjagildaumeinneWafleirieinstaklingaeWalgaWilasemaWilinnhefurnintengsl  viWeWavandkvWiviWframkvmdlagaYessarakomavegfyriraWYaWgetisinnteftirlits   hlutverkisnu.  X   SkrinskalveraaWgengilegvefFjrmlaeftirlitsins. K #    FjrmlaeftirlitiWskalveitaEvr;pskuvtryggingaoglfeyrissj;Waeftirlitsstofnuninni    upplUsingarrskrnni.    O|    O|O  IV.KAFLIO|Ov݌ wO  Ќ   N     N  VtryggingaumboWsmenn.N ݌ B  Ќ    K|    K|  16.gr.K|݌    Ќ   J    J  Skrning_vtryggingaumboWsmanns_Ԁhjvtryggingaflagi.JF݌   Ќ     XegarvtryggingaflaghefurgertsamningviW_vtryggingaumboWsmann_Ԁumdreifingu {  vtryggingumflagsinsskalflagiWskr_vtryggingaumboWsmann_,sbr.17.gr. nF   _VtryggingaumboWsmanni_ԀerheimiltaWhefjastarfsemiYegarhannhefurveriWskrWurhj 9 vtryggingaflagiogFjrmlaeftirlitinu,sbr.15.gr.SkrinskalveraaWgengilegvefviW  komandivtryggingaflags.Xegar_vtryggingaumboWsmaWur_ԀhttiraWdreifavtryggingum  vegumvtryggingaflagsskalhanntekinnafskrflagsins. r   FjrmlaeftirlitiWgetursettreglurumskrningu_vtryggingaumboWsmanns_. e= K|    K|  17.gr.K|݌  Ќ   J    JQ  SkilyrWifyrirskrningu_vtryggingaumboWsmanns_.JQ{݌  Ќ     Wur_en_Ԁvtryggingaflagskrir_vtryggingaumboWsmann_ԀskalflagiWgangarskugga i umaWeinstaklingursemstarfarsem_vtryggingaumboWsmaWur_,_vtryggingaumboWsmaWur_ \4 semerlgaWiliog_vtryggingaslumenn_ԀsemstarfabyrgW_vtryggingaumboWsmanns_Ԁupp ' fylliskilyrWiV.kafla.  K|    K|  18.gr.K|݌ `  Ќ   J    J"  Heiti.J"L݌ S+! Ќ     SeinnmnotaheitiW_vtryggingaumboWsmaWur_ԀsemhefurveriWskrWur. "   ShttaaWvillstverWinafnierlends_vtryggingaumboWsmanns_Ԁsemstarfarhrlandi # grundvelliX.kaflaoginnlends_vtryggingaumboWsmanns_ԀgeturFjrmlaeftirlitiWkrafist  $ YessaWannar_vtryggingaumboWsmaWurinn_ԀverWiauWkenndursrstaklega. !W% K|    K|  19.gr.K|9݌ #' Ќ   J    J  Takmarkanirstarfsemi.J݌ #( Ќ     _VtryggingaumboWsmaWur_ԀskaleinungismiWlafrumtryggingumvegumvtrygginga $ ) flagasemhafastarfsleyfihrlandi.StarfsleyfivtryggingaflagsaWildarrkitelstjafn v%N!* gildastarfsleyfihrlandi,endasuuppfylltskilyrWilagaumvtryggingastarfsemivarWandi A&"+  heimildirtilstofnunartibseWatilaWveitahrYj;nustunstarfsstWvar.  '",   Fjrmla&   eftirlitiWgetur,YegarsrstakaraWstWurerufyrirhendi,heimilaWundanYgurfr ( 1.mgr.'(e  K|    K|%  20.gr.K|%L݌ a Ќ   J    J  ViWtakafjrmuna.J݌ T, Ќ     _VtryggingaumboWsmaWur_ԀmekkitakaviWiWgjldum,vtryggingarb;tumeWaWrum  fjrmunumfyrirhndvtryggingaflagseWaviWskiptavinarnemasamkvmt_sannanlegu_Ԁum  boWi.   K|    K|  21.gr.K|݌ K #  Ќ   J    J>  _Vrslufjrreikningur_.J>h݌    Ќ     _VtryggingaumboWsmanni_ԀerskyltaWhaldafjrmunumsemhanntekurviWYguannarra    aWgreindumfreiginf.SlkirfjrmunirskuluvarWveittirsrstkumvrslufjrreikningi.   Vextir,semkunnaaWfallavrsluf,rennatileigandaYess._VtryggingaumboWsmaWur_Ԁer wO  ekkieigandiinnstWuvrslufjrreikningisamkvmtYessarigreinoginnstWanerekki B  hftandlagaWfarargerWahjhonumogstendurutanskuldaraWarviWskiptibihans.      RWherraseturreglugerWumvrslufjrreikninga.   O|    O|  V.KAFLIO|݌ nF Ќ   N     N  Hfioghfni.N݌ 9 Ќ    K|    K|'  22.gr.K|'N݌  Ќ   J    J  Almennhfisog_hfniskilyrWi_Ԁ_vtryggingamiWlara_Ԁog  stj;rnarmannaogframkvmdastj;raYeirra.J݌ r Ќ     Stj;rnarmaWurogframkvmdastj;ri_vtryggingamiWlara_ԀogeinstaklingurmeWstarfsleyfi e= semvtryggingamiWlari: 0 ! ! (g00_ikmo"i0J"  i0J2g  a  .3  Ԉ0    skuluhafangilegaYekkingu,faglegahfniogstarfsreynslutilaWgetasinntstarfisnu  tilhlUWileganhtt,i0J݌ Ќ  "i0J"  i0J2g  b  .3  Ԉ0    skuluhafagottorWspor,i0J݌i Ќ  "i0J"  i0J2g  c  .3  Ԉ0    megaekkisWustufimmrumhafaveriWrskurWaWirgjaldYrota,i0J݌\4 Ќ  "i0J"  i0J2g  d  .3  Ԉ0    megaekkitengslumviWatvinnureksturhafahlotiWd;mfyrirrefsiverWanverknaWsam ' kvmtalmennumhegningarlgum,YessumlgumeWalgumumhlutaflg,einkahluta  flg,b;khald,rsreikninga,gjaldYroteWaopinbergjldeWaWrumlgumsemgefur  tilefnitilaWtlaaWYeirgetiekkisinntstarfisnuforsvaranleganhtt,i0J>݌`  Ќ  "i0J"  i0J2g  e  .3  Ԉ0    megaekkihafasUntafsrhttsemisemgefurtilefnitilaWtlaaWYeirmisnotiaWstWu S+! snaeWaskaWistarfsemina.i0J݌" Ќ    FjrmlaeftirlitiWgeturhverjumtmatekiWhfioghfniaWilaskv.1.mgr.tilsrstakrar # skoWunar.  $   BreytingarhfisskilyrWumskulutilkynntartilFjrmlaeftirlitsins. !W%   AWilarsamkvmtYessarigreinskulugetasUnthvaWafagYekkinguYeirhafaogaWYeir J""& fullngihfisskilyrWumYessakvWissemoghfisskilyrWum25.gr.einsogviW. #'   FjrmlaeftirlitiWseturreglurummathfioghfni. #(   $ ) K|    K|  23&   .gr.K|݌ ( Ќ   J    JV  Hfisog_hfniskilyrWi_Ԁ_vtryggingaslumanna_.JV݌  Ќ     _VtryggingaslumaWur_:  ! !"i0J"  i0J2g  a  .3  Ԉ0    skalveralgrWaoghafaforrWibisnu,i0J݌a Ќ  "i0J"  i0J2g  b  .3  Ԉ0    skalhafagottorWsporogekkihafasUnt'(ԀafsrhttsemisemgefurtilefnitilaWtlaaW T, hannmisnotiaWstWusnaeWaskaWistarfsemina,i0J ݌ Ќ  "i0J"  i0J2g  c  .3  Ԉ0    mekkitengslumviWatvinnureksturhafahlotiWd;mfyrirrefsiverWanverknaWsam  kvmtalmennumhegningarlgum,YessumlgumeWalgumumhlutaflg,einkahluta   flg,b;khald,rsreikninga,gjaldYroteWaopinbergjldeWaWrumlgumsemgefur  X tilefnitilaWtlaaWhanngetiekkisinntstarfisnuforsvaranleganhtt.i0J݌K #  Ќ    _VtryggingaslumaWur_ԀskalhafangavitneskjuumYrafurWirsemhannmiWlar.      TilaWtryggjahfi_vtryggingaslumanna_ԀskuluvtryggingaflgogvtryggingamiWlarar    hafastefnuogsrstaktferliYaraWltandisemerendurskoWaWreglulega.0ferlinuskaltil   greinttilhvaWarWstafanaskuligrpaefbreytingarverWahfi_vtryggingaslumanna_. wO  EinnigskuluYauhafaskryfirggnvegnaYessaogtilgreinanafnbyrgWaraWilaefFjrmla B  eftirlitiW;skarYess.      VtryggingamiWlararogvtryggingaflgskulutryggjaaW_vtryggingaslumenn_ԀYeirra   hafingthfioghfnitilstarfans. {  K|    K|  24.gr.K|݌ 9 Ќ   J    J|  Hfisog_hfniskilyrWi_ԀaWilasemdreifirvtryggingusemaukaafurW.J|݌  Ќ     SsemberbyrgWdreifinguvtryggingarsem_aukaafurWar_:  ! !"i0J"  i0J2g  a  .3  Ԉ0    skalveralgrWaoghafaforrWibisnu,i0JI݌r Ќ  "i0J"  i0J,2g  b  .3  Ԉ0    skalhafagottorWsporogekkihafasUntafsrhttsemisemgefurtilefnitilaWtlaaW e= hannmisnotiaWstWusnaeWaskaWistarfsemina,i0J,Y݌0 Ќ  "i0J"  i0J2g  c  .3  Ԉ0    mekkitengslumviWatvinnureksturhafahlotiWd;mfyrirrefsiverWanverknaWsam  kvmtalmennumhegningarlgum,YessumlgumeWalgumumhlutaflg,einkahluta  flg,b;khald,rsreikninga,gjaldYroteWaopinbergjldeWaWrumlgumsemgefur i tilefnitilaWtlaaWhanngetiekkisinntstarfisnuforsvaranleganhtt.i0J݌\4 Ќ    AWilisemdreifirvtryggingusemaukaafurWskalhafangavitneskjuumYrafurWirsem ' hannselur.  K|    K|  25.gr.K|݌ `  Ќ   J    J  Srstkhfisog_hfniskilyrWi_.J݌ S+! Ќ     ViWdreifinguskaWatryggingaskv.1.mgr.20.gr.lagaumvtryggingastarfsemi,nr.100/ " 2016,skaldreifingaraWiliaukskilyrWasamkvmtYessumkaflahafalgmarksYekkingu: # ! !"i0J"  i0Jl2g  a  .3  Ԉ0    skilmlumvtryggingasemeruboWi,Y.m.t.allri_viWb;tarhttu_ԀefhnertilstaWar,i0Jl݌ $ Ќ  "i0J"  i0J2g  b  .3  Ԉ0    gildandilgumumdreifinguvtrygginga,vtryggingarsamninga,neytendaverndogper !W% s;nuvernd,viWeigandiskattalgumogflagsmlaogvinnulggjf,i0J݌J""& Ќ  "i0J"  i0J\2g  c  .3  Ԉ0    meWferW_tj;nakrafna_,i0J\݌#' Ќ  "i0J"  i0Jv2g  d  .3  Ԉ0    meWferWkvartana,i0Jv݌#( Ќ  "i0J"  i0Jj2g  e  .3  Ԉ0    hvernigmetaskalYarfirviWskiptavina,i0Jj݌$ ) Ќ  "i0J"  i0Jt2g  f  .3  Ԉ0    vtryggingamarkaWi,i0Jt݌v%N!* Ќ  "i0J"  i0Jg2g  g  .3  Ԉ0    reglumumeWlilegaogheilbrigWaviWskiptahtti,i0Jg݌A&"+   "i0J"  i0J2g  h  .3  Ԉ0    fjrmlum.i0J݌ '", Ќ    AWilarsemdreifa_pers;nutryggingum_&   skv.2.mgr.20.gr.og21.gr.lagaumvtrygginga ( starfsemi,nr.100/2016,hafiYekkingu'(lgumumdreifinguvtrygginga,vtryggingar  samninga,neytendavernd,pers;nuvernd,peningaYvttiogeftiratvikumskattaogvinnu  lggjfogstUringuhagsmunarekstrum.XeirskulueinnighafalgmarksYekkingu: a ! !"i0J"  i0J2g  a  .3  Ԉ0    vtryggingum,Y.m.t.skilmlum,tryggWumb;tumog_viWb;tarhttu_ԀefhnertilstaWar,i0J݌T, Ќ  "i0J"  i0J2g  b  .3  Ԉ0    skipulagiogb;tarttilfeyriskerfahrlandi,i0J;݌ Ќ  "i0J"  i0J2g  c  .3  Ԉ0    vtryggingamarkaWiogYj;nustufjrmlamarkaWi,i0JL݌ Ќ  "i0J"  i0J92g  d  .3  Ԉ0    meWferWkvartana,i0J9f݌  Ќ  "i0J"  i0J-2g  e  .3  Ԉ0    hvernigmetaskalYarfirviWskiptavinar,i0J-Z݌ X Ќ  "i0J"  i0J82g  f  .3  Ԉ0    reglumumeWlilegaogheilbrigWaviWskiptahtti,i0J8e݌K #  Ќ  "i0J"  i0JN2g  g  .3  Ԉ0    fjrmlum.i0JN{݌   Ќ    ViWdreifingu_vtryggingatengdum_Ԁ_fjrfestingarafurWum_ԀskaldreifingaraWilihafaYekk    ingustUringuhagsmunarekstraoglgmarksYekkingu:   ! !"i0J"  i0Jl2g  a  .3  Ԉ0    _vtryggingatengdum_Ԁ_fjrfestingarafurWum_,Y.m.t.skilmlum,iWgjaldiogeftiratvikum wO  tryggWumeWa_;tryggWum_Ԁvinningi,i0Jl݌B  Ќ  "i0J"  i0JI2g  b  .3  Ԉ0    kostumog;kostummismunandi_fjrfestingarvalkostum_Ԁvtryggingartaka,i0JIv݌   Ќ  "i0J"  i0J2g  c  .3  Ԉ0    fjrhagslegrihttusemviWskiptavinurber,i0J݌  Ќ  "i0J"  i0J2g  d  .3  Ԉ0    skilmlumvtryggingasemgildaumlftryggingarogaWrar_sparnaWarafurWir_,i0J݌{  Ќ  "i0J"  i0J2g  e  .3  Ԉ0    skipulagilfeyriskerfahrlandiogb;tarttisamkvmtYeim,i0J ݌nF Ќ  "i0J"  i0J 2g  f  .3  Ԉ0    gildandilgumumdreifinguvtrygginga,lgumumvtryggingarsamninga,lgumum 9 neytendavernd,peningaYvttiogviWeigandiskattalgum,i0J < ݌ Ќ  "i0J"  i0J 2g  g  .3  Ԉ0    vtryggingamarkaWiogmarkaWimeW_sparnaWarafurWir_,i0J  ݌ Ќ  "i0J"  i0J 2g  h  .3  Ԉ0    meWferWkvartana,i0J  ݌r Ќ  "i0J"  i0J 2g  i  .3  Ԉ0    hvernigmetaskalYarfirviWskiptavinar,i0J  ݌e= Ќ  "i0J "  i0J2g  j  .3  Ԉ0    reglumumeWlilegaogheilbrigWaviWskiptahtti,i0J݌0 Ќ  "i0J "  i0J2g  k  .3  Ԉ0    fjrmlumsemvarWavtryggingar.i0J݌ Ќ  K|    K|  26.gr.K| ݌ i Ќ   J    Ju  Endurmenntun.Ju݌ \4 Ќ     TilaWtryggjaYekkinguoghfniframkvmdastj;ra_vtryggingamiWlara_ԀsemerlgaWili, ' einstaklingsmeWstarfsleyfisemvtryggingamiWlariog_vtryggingaslumanna_ԀskuluYeir  rlegaskjasrendurmenntuneWastarfsYjlfuna.m.k.15klukkustundir.    EndurmenntuneWastarfsYjlfunskalverasamrmiviWstarfsemidreifingaraWila.Dreif `  ingaraWiliskalgetasUntframmeWsannanlegumhttiaWhannhafis;ttsrendurmenntun S+! eWastarfsYjlfun. " O|    O|  VI.KAFLIO|݌  $ Ќ   N     Ns  Starfshttir_vtryggingamiWlara_Ԁog_vtryggingaumboWsmanns_.Ns݌ !W% Ќ    K|    K|  27.gr.K|݌ J""& Ќ   J    J  YfirsUnyfirstarfsemiogsrstakarrWstafanir.J>݌ #' Ќ     VtryggingamiWlariog_vtryggingaumboWsmaWur_ԀskulugtaYessaW: #( ! !"i0J"  i0J2g  a  .3  Ԉ0    framkvmdastj;rihafiyfirsUnyfirreksturstarfseminnar,YarmeWalfjrhagslegastWu,i0J݌$ ) Ќ  "i0J"  i0J2g  b  .3  Ԉ0    sstarfsmaWursemhefurumsj;nmeWdaglegristarfsemivegnadreifingarvtryggingar v%N!* hafiyfirsUnyfirreksturstarfseminnar,i0J݌A&"+ Ќ  "i0J"  i0JJ2g  c  .3  Ԉ0    fjldi_vtryggingaslumanna_Ԁsemstarfahansvegumshfilegursvofullvstmegi  '", teljaaWhannhafiyfirsUnyfirreksturinn.i0JJw݌'#- Ќ  K|    K|  28.gr.K|݌ ( Ќ   J    Jp  RWningareWaverksamningar.Jp݌  Ќ     VtryggingamiWlariog_vtryggingaumboWsmaWur_ԀskulugeraskrifleganrWningarog/eWa  verksamningviW_vtryggingaslumenn_ԀsemeruYj;nustuYeirraeWakomaframfyrirYeirra a hnd.XarskalkveWiWumrttindiogskylduraWila,YarmeWalumaW_vtryggingaslu T, maWur_ԀstarfibyrgWogundirstj;rnogeftirlitiYeirra.  K|    K|e   29.gr.K|e  ݌   Ќ   J    J   UmboW.J  !݌  X Ќ     VtryggingamiWlariskalhafasannanlegtumboWfrviWskiptaviniWurenhanntekurtil K #  starfafyrirhann.0umboWinuskalkomaframhverjuumboWiWfelst,hversuvWtktYaWer    ogtilhvaWaYttastarfssviWihansYaWnr.Einnigskalkomaframhvorthonumerheimilt    aWtakaviWfjrmunumfyrirhndviWskiptavinarogumskilYeim.   K|    K|y#  30.gr.K|y##݌ B  Ќ   J    J $  Skilrki.J $4$݌    Ќ     HverssemerYj;nustueWakemurframfyrirhnd_vtryggingamiWlara_ԀeWa_vtrygginga   umboWsmanns_ԀskalviWstrfsnframvsafullngjandiskilrkjumsemgefinerutaf_vtrygg {  ingamiWlara_ԀeWa_vtryggingaumboWsmanni_Ԁsemhannstarfarfyrir. nF K|    K|&  31.gr.K|&&݌  Ќ   J    J'  TrnaWarupplUsingar.J':'݌  Ќ     VtryggingamiWlari,_vtryggingaumboWsmaWur_,stj;rnarmenn,framkvmdastj;rar,endur r skoWendur,_vtryggingaslumenn_,aWrirstarfsmennoghverjirYeirsemtakaaWsrverkYgu e= _vtryggingamiWlara_ԀeWa_vtryggingaumboWsmanns_ԀerubundnirYagnarskylduumalltYaWsem 0 YeirfvitneskjuumviWframkvmdstarfasnsogvarWarviWskiptaeWaeinkamlefniviW  skiptavina,nemaskyltsaWveitaupplUsingarsamkvmtlgum.XagnarskyldanhelstY;tt  ltiWsafstarfi. i   SsemveitirviWtkuupplUsingumafYvtagisemumgetur1.mgr.erbundinnYagnar \4 skyldusamahttogYargreinir.SaWilisemveitirupplUsingarnarskalminnaviWtakanda ' umYagnarskylduna.    ViWdreifinguvtryggingaskalfullngjaskilyrWumlagaumpers;nuverndogvinnslu  pers;nuupplUsinga. `  O|    O|,  VII.KAFLIO|,,݌ " Ќ   N     NJ-  EWlilegirogheilbrigWirviWskiptahttir.Endurgjald.NJ-t-݌ # Ќ    K|    K|.  32.gr.K|.?.݌  $ Ќ   J    J.  EWlilegirogheilbrigWirviWskiptahttir.J..݌ !W% Ќ     DreifingaraWiliskalstarfaheiWarlegan,sanngjarnanogfagleganhttsamrmiviWeWli J""& legaogheilbrigWaviWskiptahttiogvenjurvtryggingamarkaWiogmeWhagneytendafyrir #' augum.HannskaltryggjaaWallarupplUsingartilviWskiptavina,Y.m.t.markaWsefni,su #( samrmiviWeWlilegaogheilbrigWaviWskiptahtti.VerWimisbresturYvskalFjrmla $ ) eftirlitiWgefafyrirmliumaWrWinverWib;tYvsemrskeiWishefurfariW. v%N!*   FjrmlaeftirlitiWseturreglurumeWlilegaogheilbrigWaviWskiptahttidreifingaraWila.0 A&"+ reglunumskalm.a.kveWiWumalmennsamskiptiviWviWskiptaviniogmeWhndlunkvartana.  '",  '#- K|    K| 3  33&  .gr.K| 313݌ ( Ќ   J    J3  Endurgjald.J33݌  Ќ     DreifingaraWiliskaltryggjaaWendurgjaldfyrirdreifinguvtryggingabrj;tiekkibga  viWYskylduaWhafahagsmunivntanlegsvtryggingartakaaWleiWarlj;siogaWhafaheiWri a eWlilegaogheilbrigWaviWskiptaht'(Q3ti. T,   EndurgjaldmekkiveraYesseWlisaWYaWhvetjitilYessaWmltsmeWtiltekinniv  trygginguumframaWrasemhentarYrfumvntanlegsvtryggingartakabetur.    VntanlegurvtryggingartakiskalupplUsturumendurgjaldsemdreifingaraWiliYiggureWa   skilursrvegnaviWskiptanna.SkUrtskalkomaframhvorskuligreiWaendurgjaldiW,vntan  X legurvtryggingartakieWavtryggingaflag. K #    AWilisemdreifirvtryggingusemaukaafurWogerundanYeginnlgumYessumskv.2.    mgr.2.gr.skaltryggjaaWendurgjaldssamrmiviWskilyrWi1.og2.mgr.    O|    O|8  VIII.KAFLIO|88݌ wO  Ќ   N     Nc9  Afturkllunoginnlgnstarfsleyfis_vtryggingamiWlara_.Nc99݌ B  Ќ    K|    K|M:  34.gr.K|M:t:݌    Ќ   J    J:  stWurafturkllunar.J:;݌   Ќ     FjrmlaeftirlitiWgeturafturkallaWstarfsleyfi_vtryggingamiWlara_ԀYegar: {  ! !"i0J"  i0JB<2g  a  .3  Ԉ0    vtryggingamiWlarihefurfengiWstarfsleyfigrundvellirangraupplUsingaeWaannan nF ;eWlileganhtt,i0JB<o<݌9 Ќ  "i0J"  i0J=2g  b  .3  Ԉ0    vtryggingamiWlarihefurekkigildastarfsbyrgWartryggingu,i0J==݌ Ќ  "i0J"  i0J>2g  c  .3  Ԉ0    eftirlitsgjaldervanskilum,i0J>>݌ Ќ  "i0J"  i0J?2g  d  .3  Ԉ0    vtryggingamiWlarieWastarfsf;lkhansuppfyllirekkihfisskilyrWisemframkomaV. r kafla,i0J??݌e= Ќ  "i0J"  i0J A2g  e  .3  Ԉ0    starfsleyfihefurekkiveriWnUttinnant;lfmnaWafrYvaWYaWvarveitt,YvveriW 0 ;tvrttafsalaWeWastarfsemihefurveriWhttmeiraensexmnuWisamfellt,i0J AMA݌ Ќ  "i0J"  i0JB2g  f  .3  Ԉ0    vtryggingamiWlaribrUturaWWruleytialvarlegaeWatrekaWgegnlgumYessumeWa  reglum,samYykktumeWareglugerWumsettumsamkvmtYeim.i0JBC݌i Ќ    Wurentilafturkllunarkemurskv.1.mgr.skal_vtryggingamiWlara_Ԁveitturhfilegur \4 fresturtilrb;tasunntaWkomarb;tumviWaWmatiFjrmlaeftirlitsins. '   ViWafturkllunstarfsleyfisskalFjrmlaeftirlitiWtaka_vtryggingamiWlara_Ԁafskrskv.  15.gr.  K|    K|VF  35.gr.K|VF}F݌ S+! Ќ   J    JF  Tilkynningumafturkllunstarfsleyfis.JFG݌ " Ќ     Afturkllunstarfsleyfi_vtryggingamiWlara_ԀskaltilkynntfyrirsvarsmannieWastj;rn # _vtryggingamiWlara_Ԁogrkstuddskriflega.FjrmlaeftirlitiWskalbirtatilkynninguLgbirt  $ ingablaWiogvefsnum.StarfrkivtryggingamiWlaritibeWaYj;nustustarfsemiWru !W% rkiskalsendalgbrumeftirlitsaWilumYvrkitilkynningu. J""& K|    K|I  36.gr.K|II݌ #( Ќ   J    JDJ  Innlgnstarfsleyfis.JDJnJ݌ $ ) Ќ     HyggistvtryggingamiWlarihttastarfsemi,standihannekkilengurfyrirsjlfstWristarf v%N!* semieWastarfihannekkilengurhj_vtryggingamiWlara_Ԁskalhannskilainnstarfsleyfisnu. A&"+   WurenvtryggingamiWlarihttirstarfsemiogleggurinnstarfsleyfisittskalhanngera  '", viWeigandirWstafanirtilaWtryggjarttarstWuviWskiptavinasinna.HannskalupplUsaviW '#- semjendursna,Y.e.vtryggingaflgogYsemhafafalasteftirvtryggingu,uminnlgn ( starfsleyfis.HannskaljafnframtleitastviWaWfannantilYessbranaWila,einneWafleiri,  tilaWtakaaWsraWYj;nustagildandivtryggingarsamninga.HannskalgeraFjrmla  eftirlitinugreinfyrirrWstfunumsnum. a   _VtryggingamiWlara_Ԁsemhyggstskilainnstarfsleyfisnuskv.1.mgr.er;heimiltaWsegja T, uppstarfsbyrgWartryggingufyrrenaWfenginnistaWfestinguFjrmlaeftirlitsinsinnlgn  leyfis.    ViWinnlgnstarfsleyfisskalvtryggingamiWlarifelldurtafskrFjrmlaeftirlitsinssem   birtirtilkynninguumYaWLgbirtingablaWi.  X   :skiaWilisemlagthefurstarfsleyfiinnaWhefjastarfsemiaWnUjuferumYums;kneftir K #  kvWumII.kafla.    O|    O|Q  IX.KAFLIO|QQ݌   Ќ   N     NR  Tilkynningarogskilggnum_vtryggingamiWlara_.NRFR݌ wO  Ќ    K|    K|S  37.gr.K|S'S݌ B  Ќ   J    JS  Skilrsreiknings.JSS݌    Ќ     VtryggingamiWlariskalsendaFjrmlaeftirlitinursreikningendurskoWaWanaflggiltum   endurskoWandaeigisWarenfj;rummnuWumeftirlokreikningsrs.rsreikningurskal {  undirritaWuraf_vtryggingamiWlara_Ԁogstj;rnogframkvmdastj;raYegarumlgaWilaeraW nF rWa. 9   0skUringumrsreikningsskalgreinafrheildarfjrhWfjrmunasemvtryggingamiWlari  varWveitir_vrslufjrreikningum_Ԁrslokfyrirhnd_viWskiptaaWila_,sbr.14.gr.Xskalfylgja  yfirlUsinglggiltsendurskoWandaumaWmeWferW_vtryggingamiWlara_Ԁfjrmunumundan r gengiWreikningsrssamrmiviWlgYessiogreglurumvrslufjrreikninga. e=   rsreikningiskalfylgjaskryfirYauvtryggingaflgsemmiWlaWertilvegnavtrygg 0 ingarhttuhrlandisamt_iWgjaldamagni_ԀogY;knunfrhverjuflagivegnavtryggingar  samningasemkomiWhefurveriW,sundurliWaWeftirgreinaflokkumvtrygginga.Einnigskal  fylgjagreinargerWumnnurtengslviWvtryggingaflg. i K|    K|,Z  38.gr.K|,ZSZ݌ ' Ќ   J    JZ  TilkynningumframkomnaskaWab;takrfu.JZZ݌  Ќ     VtryggingamiWlariskalYegarstaWtilkynnaFjrmlaeftirlitinuefskaWab;takrafaergerW  vegnastarfahans.0tilkynningunniskulukomaframupplUsingarumefniogfjrhWkrf `  unnar. S+! O|    O|\  X.KAFLIO|\\݌ # Ќ   N     N,]  StofnuntibaogfrjlstflWiYj;nustu.N,]V]݌  $ Ќ    K|    K|]  39.gr.K|]^݌ !W% Ќ   J    J^  Xj;nustanstarfsstWvarWruaWildarrki.J^^݌ J""& Ќ     VtryggingamiWlarimeWstarfsleyfihrlandi,_vtryggingaumboWsmaWur_ԀogaWilisem #' dreifirvtryggingusemaukaafurWsemeruskrWirhrlandioghyggjastveitaYj;nustun #( starfsstWvarWruaWildarrkiskulutilkynnaFjrmlaeftirlitinuslkafyrirtlan.0tilkynn $ ) ingutilFjrmlaeftirlitsinsskalkomafram: v%N!* ! ! _ikmo(%00"i0J"  i0Ja2%  1  .3  Ԉ0    Heiti,kennitala,heimilisfangogskrningarnmer.i0Jaa݌A&"+   "i0J"  i0Jb2%  2  .3  Ԉ0    AWildarrkiYarsemviWkomandihyggstveitaYj;nustunstarfsstWvar.i0Jbc݌ '", Ќ  "i0J"  i0Jd2%  3  .3  Ԉ0    HvaWastarfsemierfyrirhuguWog&   heitivtryggingaflagsefviW.i0JdKd݌( Ќ  "i0J"  i0J\e2%  4  .3  Ԉ0    Greinaflokkar'(dvtryggingaefviW.i0J\ee݌ Ќ    FjrmlaeftirlitiWskalinnanmnaWarfrm;ttkutilkynningartilkynnaeftirlitsstj;rnvaldi  gistirkisfyrirtlanaWilaumaWveitaYarYj;nustunstarfsstWvar. a   HeimilteraWhefjastarfsemieinummnuWieftiraWFjrmlaeftirlitiWhefurtilkynnt T, aWilumskv.1.mgr.aWtilkynningumfyrirhugaWastarfsemihafiveriWsendgistirki.    BreytingarsemverWaupplUsingumskv.1.mgr.skulutilkynntarFjrmlaeftirlitinu  a.m.k.mnuWiWurenYrtakagildi.FjrmlaeftirlitiWskaltilkynnagistirkinuumbreyting   arnareinsflj;ttogunnterogeigisWarenmnuWieftiraWYrberastFjrmlaeftirlitinu.  X K|    K|i  40.gr.K|ij݌    Ќ   J    Jpj  StofnuntibsWruaWildarrki.Jpjj݌    Ќ     VtryggingamiWlarimeWstarfsleyfihrlandi,_vtryggingaumboWsmaWur_ԀogaWilisem   dreifirvtryggingusemaukaafurWsemskrWirerumeWstarfsleyfihrlandioghyggjast wO  stundastarfsemiWruaWildarrkimeWstofnuntibsskulutilkynnaFjrmlaeftirlitinuslka B  fyrirtlan.0tilkynningutilFjrmlaeftirlitsinsskalkomafram:    / /"i0J"  i0JHm2%  1  .3  Ԉ0    Heiti,kennitala,heimilisfangogskrningarnmer.i0JHmum݌  Ќ  "i0J"  i0JWn2%  2  .3  Ԉ0    AWildarrkiYarsemviWkomandihyggststofnatib.i0JWnn݌{  Ќ  "i0J"  i0Jpo2%  3  .3  Ԉ0    HvaWastarfsemierfyrirhuguWogheitivtryggingaflagsefviW.i0Jpoo݌nF Ќ  "i0J"  i0Jp2%  4  .3  Ԉ0    GreinaflokkarvtryggingaefviW.i0Jpp݌9 Ќ  "i0J"  i0Jq2%  5  .3  Ԉ0    HeimilisfanggistirkiYarsemnlgastmggn.i0Jqq݌ Ќ  "i0J"  i0Jr2%  6  .3  Ԉ0    NafnYessaWilasemstj;rnartibinu.i0Jrr݌ Ќ    FjrmlaeftirlitiWskalinnanmnaWarfrm;ttkutilkynningartilkynnaeftirlitsstj;rnvaldi r gistirkifyrirtlanumaWstofnatib.FjrmlaeftirlitiWskalupplUsaaWilaskv.1.mgr.um e= tilkynninguna. 0   AWilumskv.1.mgr.erheimilteraWhefjastarfsemieinummnuWieftiraWFjrmlaeftirlit  iWhefurtilkynntYeimaWtilkynningumfyrirhugaWastarfsemihafiveriWsendgistirki.    FjrmlaeftirlitiWgeturhafnaWYvaWtilkynnagistirkiumfyrirtlanaWilaskv.1.mgr.aW i stofnatibefYaWhefurstWutilYessaWtlaaWstj;rnskipulageWafjrhagsstaWahanss \4 ;fullngjandi.FjrmlaeftirlitiWskalrkstyWjakvrWuninaogupplUsaviWkomandiaWilaum ' kvrWuninainnanmnaWarfrm;ttkutilkynningarskv.1.mgr.    BreytingarsemverWaupplUsingumskv.1.mgr.skulutilkynntarFjrmlaeftirlitinu  a.m.k.mnuWiWurenYrtakagildi.FjrmlaeftirlitiWskaltilkynnagistirkinuumbreyting `  arnareinsflj;ttogunnterogeigisWarenmnuWieftiraWYrberastFjrmlaeftirlitinu. S+! K|    K|ky  41.gr.K|kyy݌ # Ќ   J    Jy  Xj;nustanstarfsstWvarogtibhrlandi.Jy&z݌  $ Ќ     VtryggingamiWlarisemermeWstarfsleyfiWruaWildarrki,_vtryggingaumboWsmaWur_, !W% ogaWilisemdreifirvtryggingusemaukaafurWsemskrWireruWruaWildarrkigetastofnaW J""& tibhrlandieWaveittYj;nustunstarfsstWvar.FjrmlaeftirlitiWskalstaWfestam;ttku #' tilkynningarumYaWfreftirlitsstj;rnvaldiheimarkiviWkomandiaWilainnanmnaWar. #(   FjrmlaeftirlitiWskalupplUsaaWilaumaWhannskulifaraeftirreglumumheilbrigWaog $ ) eWlilegaviWskiptahttihrlandiogsendahonum_tengil_Ԁreglurnarvef_Fjrmlaeftir v%N!* litsins._ A&"+   HeimilteraWhefjastarfsemieinummnuWieftiraWtilkynninginberstFjrmlaeftirlitinu.  '",  '#- K|    K|~  42.&  gr.K|~݌ ( Ќ   J    J  Stofnuntibs_vtryggingamiWlara_ԀeWa_vtryggingaumboWsmanna_Ԁ  utanaWildarrkjahrlandi.J݌  Ќ     FjrmlaeftirlitiWgeturheimilaW_vtryggingamiWlara_,_vtryggingaumboWsmanni_ԀogaWila a semdreifirvtryggingusemaukaafurWmeWsta'(;WfesturkiutanEvr;pskaefnahagssvWisins T, aWopnatibhrlandi.UmleyfisveitinguogstarfsemislkraaWilagildakvWiXXI.kafla  lagaumvtryggingastarfsemi,nr.100/2016.  O|    O|  XI.KAFLIO|݌  X Ќ   N     N  Eftirlit.N݌ K #  Ќ    K|    K|  43.gr.K|B݌    Ќ   J    J  Almennteftirlit.Jք݌    Ќ     FjrmlaeftirlitiWhefureftirlitmeWstarfsemisamkvmtlgumYessum,nemaannaWleiWi   aflgumeWaalYj;Wasamningumsem0slanderaWiliaW.UmeftirlitiWfersamkvmtkvWum wO  lagaYessara,lagaumvtryggingastarfsemioglagaumopinberteftirlitmeWfjrmlastarf B  semi.      TeljiFjrmlaeftirlitiWaWstarfsemisamkvmtlgumYessumsstunduWntilskilinna   leyfageturYaWkrafistgagnaogupplUsingahjviWkomandiaWilumeWahjeftirlitsskyldum {  aWilumsemnauWsynlegerutilaWgangarskuggaumhvortsvos.GeturYaWkrafistYessaW nF slkristarfsemishttYegarstaW.JafnframterYvheimiltaWbirtaopinberleganfnaWila 9 semtaldirerubj;WaYj;nustuntilskilinnaleyfa.HeimilteraWbeitakvWumlagaumopin  berteftirlitmeWfjrmlastarfsemiumdagsektirogleitoghaldggnumviWupplUsingaflun  ogeftirlitsamkvmtYessarigrein. r   EfvtryggingamiWlari,_vtryggingaumboWsmaWur_ԀeWaaWilisemdreifirvtryggingusem e= aukaafurWoghefurstarfsleyfieWaerskrWurhrlandien_meginstarfsstW_ԀerWruaWildar 0 rkigeturFjrmlaeftirlitiWgertsamkomulagviWeftirlitsstj;rnvaldYessrkisumaWYaWkomi  framsemeftirlitsstj;rnvaldviWkomandiaWilavegnakvWalagaYessara.FjrmlaeftirlitiW  skaltilkynnaviWkomandiaWilaogEvr;pskuvtryggingaoglfeyrissj;Waeftirlitsstofnuninni i umslktfyrirkomulagntafar.FjrmlaeftirlitiWgeturgertsamkomulagumaWveraeftirlits \4 stj;rnvaldiWefaWilimeWstarfsleyfieWaskrninguWruaWildarrkiermeW_meginstarfsstW_ ' hrlandi.  K|    K|N  44.gr.K|Nu݌ `  Ќ   J    Jߎ  EftirlitmeWYj;nustunstarfsstWvar.Jߎ ݌ S+! Ќ     HafiFjrmlaeftirlitiWstWutilaWtlaaWYj;nusta_vtryggingamiWlara_,_vtrygginga " umboWsmanns_ԀeWaaWilasemdreifirvtryggingusemaukaafurWnstarfsstWvarhrlandi # sekkisamrmiviWlgYessiskalYaWtilkynnaeftirlitsstj;rnvaldiheimarkisviWkomandi  $ aWilaumYaW.EfekkierugerWarrbturaWkrfueftirlitsstj;rnvaldsheimarkiseWaYreru !W% ekkingjanlegarogstarfseminerskaWlegfyrirneytendureWavtryggingamarkaWinnhr J""& landiskalFjrmlaeftirlitiWgrpatilnauWsynlegrarWstafana.EfnauWsynkrefurgeturFjr #' mlaeftirlitiWstWvaWfrekaristarfsemivegnadreifingarvtryggingahrlandiogbannaW #( nUjastarfsemi. $ )   FiFjrmlaeftirlitiWtilkynningufreftirlitsstj;rnvaldigistirkisumaWstarfsemivegna v%N!* Yj;nustu_vtryggingamiWlara_,_vtryggingaumboWsmanns_ԀeWaaWilasemdreifirvtryggingu A&"+ nstarfsstWvarWruaWildarrkisekkisamrmiviWgildandilgYarskalYaWgrpatil  '", viWeigandirWstafanaogtilkynnaeftirlitsstj;rnvaldinuumYr. '#-   FjrmlaeftirlitiWgeturvsaWmlumskv.1.og2.mgr.tilEvr;pskuvtryggingaoglf ( eyrissj;Waeftirlitsstofnunarinnarog;skaWaWstoWarskv.19.gr.reglugerWarEvr;puYingsins  ogrWsins(ESB)nr.1094/2010umaWkomaf;tevr;pskrieftirlitsstofnun(Evr;pska  vtryggingaoglfeyrissj;Waeftirlitsstofnunin),sbr.lgumevr;pskteftirlitskerfifjrmla a markaWi. T,   FjrmlaeftirlitiWskaltilkynnaaWilumumrWstafanirsemYaWgrpurtilskv.1.og2.mgr.  EinnigskalYaWtilkynnaeftirlitsstj;rnvaldiheimarki,Evr;pskuvtryggingaoglfeyris  sj;WaeftirlitsstofnuninnieWaEftirlitsstofnunEFTA,eftirYvsemviW,ogframkvmdastj;rn   ESBumrWstafanirnar.  X K|    K|  45.gr.K|Ǚ݌    Ќ   J    J1  EftirlitmeWtibum.J1[݌    Ќ     HafiFjrmlaeftirlitiWstWutilaWtlaaWstarfsemitibshrlandisekkisamrmi   viWkvWi32.gr.eWa1.og2.mgr.33.gr.skalstofnuningrpatilviWeigandirWstafanaog wO  upplUsaeftirlitsstj;rnvaldheimarkis. B    EftibhrlandigerirekkirbturaWkrfueftirlitsstj;rnvaldsheimarkiseWaYr    rWstafanireruekkingjanlegarogstarfseminskaWlegfyrirneytendureWavtryggingamark   aWinnhrlandiskalFjrmlaeftirlitiWgrpatilnauWsynlegrarWstafana. {    EfnauWsynkrefurgeturFjrmlaeftirlitiWbannaWfrekaristarfsemihrlandi.Fjrmla nF eftirlitiWgeturennfremur;skaWaWstoWarEvr;pskuvtryggingaoglfeyrissj;Waeftirlits 9 stofnunarinnarskv.19.gr.reglugerWarEvr;puYingsinsogrWsins(ESB)nr.1094/2010um  aWkomaf;tevr;pskrieftirlitsstofnun(Evr;pskavtryggingaoglfeyrissj;Waeftirlits  stofnunin),sbr.lgumevr;pskteftirlitskerfifjrmlamarkaWi. r   FjrmlaeftirlitiWskaltilkynnatibiumrWstafanirsemYaWgrpurtilskv.1.og2.mgr. e= EinnigskalYaWtilkynnaeftirlitsstj;rnvaldiheimarki,Evr;pskuvtryggingaoglfeyris 0 sj;WaeftirlitsstofnuninnieWaEftirlitsstofnunEFTA,eftirYvsemviW,ogframkvmdastj;rn  ESBumrWstafanirnar.  K|    K|  46.gr.K|ߡ݌ \4 Ќ   J    JI  Eftirlitsgjald.JIs݌ ' Ќ     VtryggingamiWlararsemfengiWhafastarfsleyfihrlanditgefiWafFjrmlaeftirlitinu  skulurlegagreiWaeftirlitsgjaldvegnastarfsemisinnarsamrmiviWkvWilagaYarum.  JafnframtskuluvtryggingamiWlararogvtryggingaumboWsmennsemheimildhafatilaW `  starfahrlandiskv.42.gr.greiWaeftirlitsgjaldrlega. S+! O|    O|  XII.KAFLIO|פ݌ # Ќ   N     ND  greiningur.NDn݌  $ Ќ    K|    K|  47.gr.K| ݌ !W% Ќ   J    Jt  BrskurWarnefndumdreifinguvtrygginga.Jt݌ J""& Ќ     greiningimillidreifingaraWilaogviWskiptavinaYeirraumrttindiogskyldursamkvmt #' lgumYessummvsatilrskurWarnefndarumdreifinguvtrygginga. #(   BrskurWarnefndinkveWurupprkstuddarskurWiogverWurYeimekkiskotiWtilstj;rn $ ) valdaenaWilarmlsgetalagtgreiningsinnfyrird;mst;la. v%N!*   A&"+ O|    O|  XIII.K&   AFLIO|D݌ ( Ќ   N     Nȩ  ViWurlg.Nȩ݌  Ќ    K|    K|d  48.gr.K|d݌  Ќ   J    J  Stj;rnvaldssektir.J݌ a Ќ     FjrmlaeftirlitiWgeturlagtstj;rnvaldssektirhvernYannsembrUturgegneftirtldum T, kvWumeWareglumsettumgrundvelliYeir'(ira:  / /"i0J"  i0J2%  1  .3  Ԉ0    2.mgr.1.gr.umheimildtilhandatilteknumaWilumtilaWmiWlavtryggingum.i0Jڬ݌ Ќ  "i0J"  i0J2%  2  .3  Ԉ0    5.gr.umvsvitandirangaupplUsingagjfums;knsemleiWirtilYessaWstarfsleyfiskv.   4.gr.ergefiWtrngumforsendum.i0J݌ X Ќ  "i0J"  i0Jf2%  3  .3  Ԉ0    8.gr.umheiti_vtryggingamiWlara_.i0Jf݌K #  Ќ  "i0J"  i0J2%  4  .3  Ԉ0    9.gr.umbreytingustarfsemi.i0J݌   Ќ  "i0J"  i0J2%  5  .3  Ԉ0    1.mgr.10.gr.umaWvtryggingamiWlariskulieinungismiWlafrumtryggingumvegum    vtryggingaflagasemhafastarfsleyfihrlandi.i0J݌  Ќ  "i0J"  i0J2%  6  .3  Ԉ0    2.mlsl.1.mgr.11.gr.umfjrhagslegastWu_vtryggingamiWlara_ԀogviWbrgWviWYv wO  eflkureruYvaWvtryggingamiWlarieigiekkifyrirfjrhagslegumskuldbindingum B  snum.i0J5݌   Ќ  "i0J"  i0J2%  7  .3  Ԉ0    12.gr.umstarfsbyrgWartryggingu_vtryggingamiWlara_.i0J(݌  Ќ  "i0J"  i0J42%  8  .3  Ԉ0    13.gr.umviWtkufjrmunanheimildar.i0J4a݌{  Ќ  "i0J"  i0J=2%  9  .3  Ԉ0    1.mgr.14.gr.um_vrslufjrreikning_Ԁ_vtryggingamiWlara_.i0J=j݌nF Ќ  "i0J "  i0J112%  10  .3  Ԉ0    1.!4.mgr.15.gr.umkrfuumaWtilkynnastarfsemitilFjrmlaeftirlitsins.i0Jø݌9 Ќ  "i0J "  i0Jȹ112%  11  .3  Ԉ0    16.gr.umskrningu_vtryggingaumboWsmanns_.i0Jȹ݌ Ќ  "i0J "  i0J112%  12  .3  Ԉ0    17.gr.umskilyrWiskrningar.i0J"݌ Ќ  "i0J "  i0J112%  13  .3  Ԉ0    1.mgr.18.gr.umheiti_vtryggingaumboWsmanns_.i0J"݌r Ќ  "i0J "  i0J&112%  14  .3  Ԉ0    1.mlsl.1.mgr.19.gr.umtakmarkanirstarfsemi_vtryggingaumboWsmanns_.i0J&S݌e= Ќ  "i0J"  i0Js112%  15  .3  Ԉ0    20.gr.umviWtku_vtryggingaumboWsmanns_Ԁfjrmunum.i0Js݌0 Ќ  "i0J"  i0J112%  16  .3  Ԉ0    21.gr.um_vrslufjrreikning_Ԁ_vtryggingaumboWsmanns_.i0Jڿ݌ Ќ  "i0J"  i0J112%  17  .3  Ԉ0    22.!24.gr.umhfisog_hfniskilyrWi_.i0J0݌ Ќ  "i0J"  i0J.112%  18  .3  Ԉ0    3.mgr.22.gr.umaWtilkynnaekkibreytingarhfisskilyrWumtilFjrmlaeftirlitsins.i0J.[݌i Ќ  "i0J"  i0Jk112%  19  .3  Ԉ0    3.og4.mgr.23.gr.umstefnuogsrstaktferlitilaWtryggjahfi_vtryggingaslu \4 manna_.i0Jk݌' Ќ  "i0J"  i0J112%  20  .3  Ԉ0    25.gr.umsrstkhfisog_hfniskilyrWi_.i0J ݌ Ќ  "i0J"  i0J 112%  21  .3  Ԉ0    26.gr.umendurmenntun.i0J 7݌ Ќ  "i0J"  i0J112%  22  .3  Ԉ0    27.gr.umyfirsUnyfirstarfsemi.i0J-݌`  Ќ  "i0J"  i0J112%  23  .3  Ԉ0    28.gr.umrWningarogverksamninga.i0J0݌S+! Ќ  "i0J"  i0J 112%  24  .3  Ԉ0    29.gr.umumboW.i0J 7݌" Ќ  "i0J"  i0J112%  25  .3  Ԉ0    30.gr.umskilrki.i0J)݌# Ќ  "i0J"  i0J112%  26  .3  Ԉ0    31.gr.umYagnarskyldudreifingaraWilavtryggingao.fl.i0J݌ $ Ќ  "i0J"  i0J 112%  27  .3  Ԉ0    32.gr.umeWlilegaogheilbrigWaviWskiptahtti.i0J 8݌!W% Ќ  "i0J"  i0J#112%  28  .3  Ԉ0    33.gr.umendurgjald.i0J#P݌J""& Ќ  "i0J"  i0J112%  29  .3  Ԉ0    1.!3.mgr.36.gr.uminnlgnstarfsleyfis.i0JD݌#' Ќ  "i0J"  i0J#112%  30  .3  Ԉ0    37.gr.umskilrsreikningiogfylgiggnum.i0J#P݌#( Ќ  "i0J"  i0J/112%  31  .3  Ԉ0    38.gr.umtilkynninguumframkomnaskaWab;takrfu.i0J/\݌$ ) Ќ  "i0J"  i0JF112%  32  .3  Ԉ0    1.og3.mgr.39.gr.umstarfsemiinnlendra_vtryggingamiWlara_Ԁog_vtryggingaumboWs v%N!* manna_Ԁerlendis.i0JFs݌A&"+ Ќ  "i0J "  i0J112%  33  .3  Ԉ0    1.og3.mgr.40.gr.umstofnuntibsinnlendra_vtryggingamiWlara_Ԁog_vtrygginga  '", umboWsmanna_Ԁerlendis.i0J݌'#- Ќ  "i0J!"  i0J112%  34  .3  Ԉ0    46.gr.umeftirlitsgjald.i0J݌( Ќ  "i0J""  i0J112%  35  .3  Ԉ0    49.gr.umsttmilliFjrmlaeftirlitsinsogdreifingaraWila.i0J݌ Ќ    SektirsemlagWarerueinstaklingagetanumiWfr10Ys.kr.til90millj.kr.Sektirsem  lagWarerulgaWilagetanumiWfr50Ys.kr.til650millj.kr.engetaY;veriWhrrieWa a alltaW5%afheildarveltusamkvmtsWastasamYykktarsreikningilgaWilanseWa5%af T, sWastasamYykktasamstWureikningieflgaWilierhlutiafsamstWueWaalltaWtvfaldri  fjrhWhagnaWareWatapssemkomisterhjvegnabrotsinsefmgulegteraWkvarWaYaW.  ViWkvrWunsektaskalm.a.tekiWtillittilalvarleikabrots,hvaWYaWhefurstaWiWlengi,sam   starfsviljahinsbrotlegaaWilaoghvortumtrekaWbroteraWrWa.kvarWanirumstj;rn  X valdssektirskuluteknarafstj;rnFjrmlaeftirlitsinsogeruYraWfararhfar.Sektirrenna K #  rkissj;WaWfrdregnumkostnaWiviWinnheimtuna.Sustj;rnvaldssektirekkigreiddarinnan    mnaWarfrkvrWunFjrmlaeftirlitsinsskalgreiWadrttarvextiaffjrhWsektarinnar.Um    kvrWunogtreikningdrttarvaxtafereftirlgumumvextiogverWtryggingu.     Stj;rnvaldssektumverWurbeitt;hWYvhvortlgbroteruframinafsetningieWagleysi. wO  K|    K|  49.gr.K|݌    Ќ   J    JK  Stt.JKu݌   Ќ     HafiaWiligerstbrotlegurviWkvWilagaYessaraeWakvarWanirFjrmlaeftirlitsins {  grundvelliYeirraerFjrmlaeftirlitinuheimiltaWljkamlinumeWsttmeWsamYykkimls nF aWila,endasekkiumaWrWameirihttarbrotsemrefsiviWurlgliggjaviW.Stterbindandi 9 fyrirmlsaWilaYegarhannhefursamYykktogstaWfestefnihennarmeWundirskriftsinni.Fjr  mlaeftirlitiWseturnnarireglurumheimildtilaWljkamlimeWstt.  K|    K|X  50.gr.K|X݌ e= Ќ   J    J  Rttureinstaklinga.J݌ 0 Ќ     0mlisembeinistaWeinstaklingioglokiWgeturmeWlagningustj;rnvaldssektaeWakru  tillgregluhefurmaWur,semrkstuddurgrunurleikuraWhafigerstsekurumlgbrot,rtt  tilaWneitaaWsvaraspurningumeWaafhendaggneWamuninemahgtsaWtilokaaWYaW i getihaftYUWingufyrirkvrWunumbrothans.FjrmlaeftirlitiWskalleiWbeinahinumgrun \4 aWaumYennanrtt. ' K|    K|  51.gr.K|݌  Ќ   J    JZ  Fyrningstj;rnvaldssektar.JZ݌ `  Ќ     HeimildFjrmlaeftirlitsinstilaWleggjastj;rnvaldssektirsamkvmtlgumYessum S+! fellurniWurYegarfimmreruliWinfrYvaWhttsemilauk. "   Fresturskv.1.mgr.rofnarYegarFjrmlaeftirlitiWtilkynniraWilaumupphafranns;knar # meintubroti.RoffrestshefurrttarhrifgagnvartllumsemstaWiWhafaaWbroti.  $ K|    K|  52.gr.K|݌ J""& Ќ   J    Jr  SektireWafangelsi.Jr݌ #' Ќ     XaWvarWarsektumeWafangelsialltaWtveimurrum,liggiYyngrirefsingekkiviWbroti #( samkvmtWrumlgum,aWbrj;tagegnkvWum: $ ) / #/"i0J"  i0J$2%  1  .3  Ԉ0    2.mgr.1.gr.,8.og9.gr.og1.mgr.10.gr.umbannviWaWleyfisskyldstarfsemis v%N!* stunduWnheimildar.i0J$Q݌A&"+ Ќ  "i0J"  i0J2%  2  .3  Ԉ0    1.mgr.11.gr.umfjrhagslegastWu_vtryggingamiWlara_ԀogviWbrgWviWYveflkur  '", eruYvaWmiWlarieigiekkifyrirfjrhagslegumskuldbindingumsnum.i0J݌'#- Ќ  "i0J"  i0JV2%  3  .3  Ԉ0    12.gr.umstarfsbyrgWartryggingu_vtryggingamiWlara_ԀogaWilasemdreifirvtryggingu ( semaukaafurW.i0JV݌ Ќ  "i0J"  i0J2%  4  .3  Ԉ0    13.gr.umviWtkufjrmunanheimildar.i0J݌ Ќ  "i0J"  i0J2%  5  .3  Ԉ0    1.mgr.14.gr.um_vrslufjrreikning_Ԁ_vtryggingamiWlara_.i0J݌a Ќ  "i0J"  i0J:2%  6  .3  Ԉ0    31.gr.umYagnarskyldu_vtryggingamiWlara_Ԁo.fl.i0J:g݌T, Ќ    GeramlgaWilasektfyrirbrotlgumYessumogreglumsettumgrundvelliYeirra  ;hWYvhvortskverWisnnuWtiltekinnfyrirsvarsmannlgaWilans,starfsmannhanseWa  annanaWilasemstarfarhansvegum.HafifyrirsvarsmaWurlgaWilans,starfsmaWurhanseWa   annarhansvegummeWsaknmumhttibrotiWgegnlgumYessumeWareglumsettum  X grundvelliYeirrastarfsemilgaWilansmgerahonumrefsingu,aukYessaWgeralgaWil K #  anumsekt.    K|    K|  53.gr.K|(݌   Ќ     BrotgegnlgumYessumervarWasektumeWafangelsivarWarefsinguhvortsemYaueru wO  framinafsetningieWagleysi. B    HeimilteraWgeraupptkanmeWd;mibeinaneWa;beinanhagnaWsemhlotisthefuraf    brotigegnkvWumlagaYessaraervarWasektumeWafangelsi.     TilrauntilbrotseWahlutdeildbrotumsamkvmtlgumYessumerrefsiverWeftirYvsem {  segiralmennumhegningarlgum. nF K|    K|  54.gr.K|݌  Ќ   J    J  kvrWunkruogafhendinggagna.J݌  Ќ     BrotgegnlgumYessumstaaWeinsranns;knlgregluaWundangenginnikruFjrmla r eftirlitsins. e=   VarWimeintbrotlgumYessumbWistj;rnvaldssektumogrefsingumeturFjrmlaeftir 0 litiWhvortmlskulikrttillgreglueWaYvlokiWmeWstj;rnvaldskvrWunhjstofnuninni.  EfbroterumeirihttarberFjrmlaeftirlitinuaWvsaYeimtillgreglu.Brottelstmeirihttar  efYaWlUturaWverulegumfjrhWum,efverknaWurerframinnmeWsrstaklegavtaverWum i httieWaviWaWstWursemaukamjgsaknmibrotsins.JafnframtgeturFjrmlaeftirlitiW \4 hvaWastigiranns;knarsemervsaWmlivegnabrotalgumYessumtilranns;knarlg ' reglu.GtaskalsamrmisviWrlausnsambrilegramla.    MeWkruFjrmlaeftirlitsinsskulufylgjaafritYeirragagnasemgrunurumbroterstudd  urviW.kvWiIV.!VII.kaflastj;rnsUslulagagildaekkiumkvrWunFjrmlaeftirlitsinsum `  aWkramltillgreglu. S+!   FjrmlaeftirlitinuerheimiltaWltalgregluogkruvalditupplUsingarogggnsem " stofnuninhefuraflaWogtengjastbrotumsemtilgreinderu2.mgr.Fjrmlaeftirlitinuer # heimiltaWtakaYttaWgerWumlgreglusemvarWaranns;knYeirrabrotasemtilgreinderu  $ 2.mgr. !W%   LgregluogkruvaldierheimiltaWltaFjrmlaeftirlitinutupplUsingarogggnsem J""& hnhefuraflaWogtengjastbrotumsemtilgreinderu2.mgr.LgregluerheimiltaWtakaYtt #' aWgerWumFjrmlaeftirlitsinssemvarWaranns;knbrotasemtilgreinderu2.mgr. #(   TeljikrandiaWekkisuefnitilmlshfWunarvegnatlaWrarrefsiverWrarhttsemisem $ ) jafnframtvarWarstj;rnsUsluviWurlgumgeturhannsenteWaendursentmliWtilFjrmlaeftir v%N!* litsinstilmeWferWarogkvrWunar. A&"+    '", K|    K|  &   55.gr.K| ݌ ( Ќ   J    J  Tilkynningumbrot.J݌  Ќ     DreifingaraWilivtryggingaskalverndastarfsmannsemg;Writrhefurtilkynntumbrot  eWamgulegtbrotskv.13.gr.alagaumopinberteftirlitmeWfjrmlastarfsemi,nr.87/1998, a gegnmisrttieWaannarskonar;sanngjarnr'()imeWhndlunsemrekjamtiltilkynningarhans. T,   EfdreifingaraWilibrUturgegnskyldusinniskv.1.mgr.skalhann___greiWa_Ԁstarfsmanni  skaWabtursamkvmtalmennumreglum.XettatekurbWitilbeinsfjrtj;nsogmiska.    SkyldurogrttindisamkvmtYessarigreineru;frvkjanlegog;heimilteraWtakmarka   YaurWningarsamningimillistarfsmannsogfyrirtkis.  X O|    O|  XIV.KAFLIO|݌    Ќ   N     NW  TmiskvWi.NW݌    Ќ    K|    K|  56.gr.K| ݌   Ќ   J    J  InnleiWing.J݌ wO  Ќ     MeWhliWsj;nafkvrWunsameiginleguEESnefndarinnarnr.214/2018,fr26.okt;ber B  2018,erumeWlgumYessumtekinupp1.!3.mgr.ogbliWur4.mgr.1.gr.,2.!8.gr.,1.!4.    mgr.,aogcliWur6.mgr.,7.og8.mgr.10.gr.,11.!16.gr.,1.!3.mgr.17.gr.,31.gr.,   33.!35.gr.ogviWaukiItilskipunarEvr;puYingsinsogrWsins(ESB)2016/97umdreifingu {  vtrygginga. nF K|    K|H   57.gr.K|H o ݌  Ќ   J    J   FjrhWirevrum.J  ݌  Ќ     FjrhWirevrumsemtilgreindareruYessumlgumumreiknaststarfrkslugjaldmiWil r vtryggingaflagsmiWaWviWslugengievrugagnvartumrddumgjaldmiWlilokdags31. e= okt;bernstliWinsrs. 0 K|    K|   58.gr.K|  ݌  Ќ   J    J:  Gildistaka.J:d݌ i Ќ     LgYessiWlastYegargildi. \4   ViWgildistkulagaYessarafallargildilgummiWlunvtrygginga,nr.32/2005,meW ' sWaribreytingum.    kvWitilbrWabirgWa. `  I. S+!    VtryggingamiWlararsemfengiWhafastarfsleyfiskv.9.gr.lagaummiWlunvtrygginga, " nr.32/2005,viWgildistkuYessaralagaskuluYegarstaWgrpatilviWeigandirWstafanatil # aWuppfyllaskilyrWiYeirraogskuluuppfyllaYaueigisWaren1.n;vember2019.  $   HafivtryggingamiWlarilagtinnstarfsleyfisittfyrirgildistkulagaYessaragildakvWi !W% YeirraumhvernighanngeturWlaststarfsleyfinU. J""&   VtryggingaumboWsmennog_vtryggingaslumenn_ԀsemerustarfandiviWgildistkulaga #' YessaraskuluYegarstaWgrpatilviWeigandirWstafanatilaWuppfyllaskilyrWiYeirraog #( skuluuppfyllaYaueigisWaren1.n;vember2019. $ )   v%N!* _  I& ,  I. (  5  BrskurWarnefndskv.47.gr.skalskipuWeigisWaren1.janar2020.    RWherraskiparnefndmeWfulltrumfrdreifingaraWilumogNeytendasamtkunumsem  ertlaWaWkomameWtillguumskipulag,fj',(ErmgnunogmlsmeWferWarreglurrskurWar a nefndarinnar.NefndinskalljkastrfumogskilatillgumtilrWherrafyrirrslok2019. T,