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X  y Vtryggingaflagskal,Wuren_vtryggingarsamningur_ԀergerWur,upplUsavtryggingar K #  takameWg;Wumfyrirvaraumhverskonarendurgjald_vtryggingaslumaWur_ԀeWa_vtrygg    ingaumboWsmaWur_Ԁfrvegnasamningsins.     y EfvtryggingartakigreiWiraWrargreiWslureniWgjldogreglubundnargreiWslurvegna   vtryggingarsamningseftirlokhansskalupplUsahannumslkargreiWslur. wO   y AWilisemdreifirvtryggingusemaukaafurWskalupplUsavtryggingartakaumform B  endurgjaldi,sbr.4.tlul.1.mgr.     y UpplUsingarsamkvmtkvWiYessuskaleinnigveitaviWbreytingueWaendurnUjun   vtryggingarsamningi. {  K|    K|\  7.gr.K|\݌ 9 Ќ    y 6.gr.lagannaorWastsvo,samtfyrirsgn:  J    J<  Xarfagreining.J<f݌  Ќ    y Wuren_vtryggingarsamningur_ԀergerWurskaldreifingaraWilivtryggingaskilgreinakrf r urogYarfirvtryggingartakagrundvelliupplUsingafrhonumsjlfum.UpplUsingarum e= mgulegavtryggingarsamningaskuluverahlutlausarogsamrmiviWYarfirvtryggingar 0 takaogYvformisemgerirvtryggingartakakleiftaWtakaupplUstakvrWun.   y EfrWgjferveittWuren_vtryggingarsamningur_ԀergerWurskaldreifingaraWilivtrygg  ingaveitavtryggingartakapers;nulegarWgjfogtskUrahversvegnatiltekinvtrygging i hentarbestYrfumhans._Xarfagreiningin_ԀskaltakamiWafeWlivtryggingarinnarsemmlt \4 ermeWogYekkinguvtryggingartaka_vtryggingunni_. '  y EfvtryggingamiWlarigerirYarfagreininguskalrWgjfinbyggjastgreiningungileg  umfjldavtryggingasemeruboWisemgerahonumkleiftaWveitafaglegaogpers;nulega  rWlegginguumhvaWavtrygginghentibestYrfumvtryggingartaka. `   y Wuren_vtryggingarsamningur_ԀergerWurogntillitstilYesshvort_vtryggingarsamning S+! urinn_Ԁerhlutiafpakkaskv.9.gr.skaldreifingaraWilivtryggingaveitavtryggingartakaupp " lUsingarumvtrygginguYvformisemgerirhonumkleiftaWtakaupplUstakvrWunum # hana.  $ K|    K|;  8.gr.K|;b݌ J""& Ќ    y 7.gr.lagannaorWastsvo,samtfyrirsgn: #' J    J  _FormskilyrWi_ԀviWupplUsingagjf.JE݌ #( Ќ    y DreifingaraWilivtryggingaskalveitavtryggingartakaupplUsingarsamkvmtkaflaYess $ ) umog140.gr.dpappreWaWrumvaranlegummiWli. v%N!*  y Geraskalvtryggingartakakleift,fyrirgerWvtryggingarsamnings,aWkynnasrskilmla A&"+ vtryggingarinnar,_vtryggingaverndina_ԀogkjrsemboWieru.UpplUsingarnarskuluvera  '", slenskueWaWrutungumlisemvtryggingartakisamYykkirogsettarskUrtframnendur '#- gjalds. 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S+! K|    K|  14.gr.K| ݌ # Ќ    y eftir12.gr.lagannakomafimmnUjargreinar,12.gr.a!12.gr.e,samtfyrirsgnum,  $ svohlj;Wandi: !W%  y a.(12.gr.a.) #' J    JS  Skyldubundinnstarfstengdurlfeyrir.JS}݌ #( Ќ    y EfdreifingaraWiliberbyrgWskyldubundnumstarfstengdumlfeyrifyrirvinnuveitanda $ ) ogstarfsmaWurverWuraWiliaWslkufyrirkomulaginYessaWhafasjlfurtekiWumYaW v%N!* kvrWunskaldreifingaraWiliYYegarveitastarfsmanninumupplUsingarsamkvmtYessum A&"+ kafla.  '",   '#- & ,   y b.(12.gr.b.) ( J    J   SkyldurvtryggingaflagsviWtj;n.J 6݌  Ќ    y VtryggingaflagskalsjtilYessaWtj;nYolififullngjandiupplUsingarumb;tarttsinn  ',(ogsundurliWunYvhvernigbturtilhanserukveWnar. a  y c.(12.gr.c.)  J    J  Vtryggingarskrteini.J݌  Ќ    y XegarersamningurhefurveriWgerWurogkveWiWerhvaWaskilmlargildaumvtrygging   unaskalflagiWafhendavtryggingartakaskrteinitilstaWfestingarYvaWsamningurs  X kominnogvsatilskilmlahans.Auk_skrteinisins_ԀskalflagiWafhendavtryggingartaka K #  _skilmlana_.     y 0vtryggingarskrteiniskalkomafram:    / /"A0J"  A0J y2g  a  .3  Ԉ0    heitivtryggingar,A0J݌    Ќ  "A0J"  A0J y2g  b  .3  Ԉ0    gildistmivtryggingarsamnings,A0J ݌wO    Ќ  "A0J"  A0J y2g  c  .3  Ԉ0    hverjirsuaWilaraWvtryggingarsamningnum,A0J݌B    Ќ  "A0J"  A0J y2g  d  .3  Ԉ0    iWgjaldvegnavtryggingarinnaroggjalddagiYess,A0J݌     Ќ  "A0J"  A0J y2g  e  .3  Ԉ0    rttingtilvtryggingartakaumaWhannkynnisrkvWiskilmlavtryggingarinnar   semvarWafyrirvarasemtengjastgreiWsluiWgjalds,takmrkunbyrgWar,varWarreglur {  semumvtryggingunagildaogfrestitilaWtilkynnaumvtryggingaratburW,A0J+݌nF   Ќ  "A0J"  A0J y2g  f  .3  Ԉ0    kvWi_vtryggingarsamningsins_Ԁsemekkikomafram_vtryggingarskilmlunum_,A0JA݌9   Ќ  "A0J"  A0J y2g  g  .3  Ԉ0    hvaWafresturstilYessaWtilkynnaumvtryggingaratburWYegarhannhefurorWiW,sbr.  1.mgr.51.gr.og1.mgr.124.gr.A0J݌   Ќ   y EfrtthafiertilnefndurviWtku_pers;nutryggingar_Ԁskalhanntilgreindurvtryggingar r skrteini. e=  y d.(12.gr.d.)  J    J  UpplUsingarviWendurnUjunvtryggingar.J݌  Ќ    y ViWendurnUjunvtryggingarskalflagiWupplUsaumnUjavalkostivtryggingumYeim i semumrWireWaviWb;tarverndsemYaWgeturveittogertilkomineftiraWvtryggingvar \4 tekineWaendurnUjuWsWast. '  y e.(12.gr.e.)  J    J.  VruYr;unogdreifing.J.X݌ `  Ќ    y VtryggingaflagogvtryggingamiWlariskuluhafa_vruYr;unarferli_ԀYegarnUjarvtrygg S+! ingareruYr;aWareWaverulegarbreytingargerWarvtryggingumsemYegareruboWi. "  y _VruYr;unarferli_Ԁskalhafa_samYykktarferli_,skilgreindanmarkh;pfyrirvtryggingunaog # metasrstaklegahttursemskiptamlifyrir_markh;pinn_._Dreifingartlun_ԀogmarkaWs  $ setningskalverasamrmiviW_markh;pinn_ԀoggeraskalrWstafanirtilaWtryggjaaWmark !W% aWssetningbeinistaWhonum. J""&  y VtryggingaflagskaltryggjaaWinnanflagsinssskilningurYeimvtryggingumsem #' eruboWi.VtrygginginskalendurskoWuWreglulega,meWtillititilatburWasemgtuhaft #( hrifhttu_markh;psins_,svoaWunntsaWmetahvortvtrygginginsamrmistenn $ ) YrfumhansoghvortgeraskulirWstafanirtilaW_markaWssetningin_ԀbeinistframaW_mark v%N!* h;pnum_. A&"+  y VtryggingaflagskalhafaaWgengilegarupplUsingarfyrirdreifingaraWilaumnUjarv  '",  tryggingar,_vruYr;unarferli_Ԁogskilgreindanmarkh;pvtryggingarinnar. '#- & ,   y DreifingaraWiliskalaflasrviWeigandiupplUsingaumvtryggingarsemhannveitirrW (  gjfum,sbr.4.mgr.,tilaWtryggjaYekkingueiginleikumhennarogskilgreindummark  h;pi.  ',(  y RWherraskalsetjareglugerWumnnaritfrsluogferlaviWupplUsingagjfsamkvmt a kvWiYessu. T, K|    K|   &  15.gr.K|  ݌  Ќ    y FyrirsgnII.kaflalagannaverWur: UpplUsingaskylda.'     K|    K|   16.gr.K|  ݌ K #  Ќ    y undanIII.kaflalagannakemurnU_hlutafyrirsgn_,II.hluti, SkaWatryggingar, og    breytistrWannarrahlutasamkvmtYv.    K|    K|I  17.gr.K|Ip݌ wO  Ќ    y undan13.gr.lagannakemurnUgrein,12.gr.f,samtfyrirsgn,svohlj;Wandi: B  J    JX  GildissviWII.hluta.JX݌    Ќ    y kvWiYessumhlutalagannagildaumskaWatryggingar.   K|    K|e  18.gr.K|e݌ nF Ќ    y 0staWorWsins?skriflegt 2.mgr.13.gr.lagannaoghvarvetnaannarsstaWarlgunum 9 kemur:sannanlegt.  K|    K|  19.gr.K|݌ r Ќ    y 0staWorWsins?skrifleg 2.mlsl.2.mgr.15.gr.lagannaoghvarvetnaannarsstaWar e= lgunumkemur:sannanleg. 0 K|    K|  20.gr.K|݌  Ќ    y 0staWorWsins?skriflega 1.mlsl.2.mgr.51.gr.,1.mlsl.1.mgr.og1.mlsl.2.mgr. i 58.gr.,1.mlsl.3.mgr.79.gr.,1.mgr.102.gr.og1.mlsl.2.mgr.124.gr.lagannakemur: \4 sannanlega. ' K|    K|  21.gr.K|݌  Ќ    y 0staWorWanna?10.gr. lokamlsliW55.gr.lagannakemur:12.gr.c. `  K|    K|  22.gr.K|݌ " Ќ    y FyrirsgnI.hlutalagannaverWur: AlmennkvWi.  # K|    K|  23.gr.K|݌ !W% Ќ    y EftirfarandibreytingarverWa61.gr.laganna: J""& / /"A0J"  A0J y2g  a  .3  Ԉ0    2.mgr.fellurbrott.A0J݌#'   Ќ  "A0J"  A0J y2g  b  .3  Ԉ0    FyrirsgngreinarinnarorWastsvo:GildissviWIII.hluta.A0J݌#(   Ќ  K|    K|  24.gr.K|݌ v%N!* Ќ    y 62.!72.gr.lagannafallabrott. A&"+    '", @      K|    K|   & ,   25.gr.K| 4݌ ( Ќ    y eftir140.gr.lagannakemurnUrhluti,IV.hluti, _Vtryggingatengdar_Ԁ_fjrfestingar  afurWir_, meWeinumnUjumkafla,XX.kafla, _Vtryggingatengdar_Ԁ_fjrfestingarafurWir_,   meWttanUjumgreinum,140.gr.a!140.g',(Rr.h,samtfyrirsgnum,svohlj;Wandi,ogbreytist a rWannarrahlutaogkaflasamkvmtYv: T,  y & , a.(140.gr.a.)  J    JP  GildissviWIV.hluta.JPz݌   Ќ    y AukkvWaI.hlutagildirYessihlutiumdreifingu_vtryggingamiWlara_,vtrygginga  X flagaog_vtryggingaumboWsmanna_Ԁ',_vtryggingatengdum_Ԁ_fjrfestingarafurWum_. K #   y 0YessumhlutaerudreifingaraWilar:vtryggingamiWlari,vtryggingaflagog_vtrygginga    umboWsmaWur_.     y b.(140.gr.b.) wO  J    Jr!  RWstafanirtilvarnarhagsmunarekstrum.Jr!!݌ B  Ќ    y DreifingaraWilarskuluhafaskilvirktskjalfestverklagtilaWkomavegfyrirhagsmuna    rekstrasemgetahaftneikvWhrifhagsmuniviWskiptavinar.VerklagiWskaltakamiWaf   starfseminni,_vtryggingarafurWunum_ԀogdreifingaraWilum. {   y c.(140.gr.c.) 9 J    J#  Hagsmunarekstrar.J##݌  Ќ    y DreifingaraWilarskulugreinamgulegahagsmunarekstrasemgetaorWiWmilliYeirra,  Y.m.t.stj;rnendaogstarfsf;lks,eWaannarraaWilasembeinteWa;beinttengjastYeim,ogviW r skiptavinaeWamillieinstakraviWskiptavina. e=  y Efverklagskv.140.gr.btryggirekkisvo;yggjandishagsmuniviWskiptavinarskulu 0 dreifingaraWilar,Wuren_vtryggingarsamningur_ԀergerWur,greinaviWskiptavininumfreWli  _hagsmunarekstranna_.   y UpplUsingarskv.2.mgr.skuluveittarvaranlegummiWlioggeraviWskiptavinikleiftaW i takaupplUstakvrWunumvtryggingunasem_hagsmunareksturinn_ԀvarWar. \4  y d.(140.gr.d.)  J    Jn(  UpplUsingagjf.Jn((݌  Ќ    y TilviWb;tarviWkvWi5.og6.gr.skal,WurengerWurersamningurum_vtrygginga `  tengdar_Ԁ_fjrfestingarafurWir_,veitaviWskiptavinihiWminnstaupplUsingarum: S+! / /"A0J"  A0Jx* y2g  a  .3  Ԉ0    hvorthannmunifreglulegaYarfagreiningu,A0Jx**݌"   Ќ  "A0J"  A0J+ y2g  b  .3  Ԉ0    mgulegar_fjrfestingarleiWir_,leiWbeiningarumYroghttursemfelasthverriYeirra,A0J++݌#   Ќ  "A0J"  A0J, y2g  c  .3  Ԉ0    kostnaWogtengdgjldvegnaslunnar,Y.m.t.kostnaWviWrWgjf,efviW,ogkostnaW  $ viWafurWinasemoghvernig_viWskiptavinurinn_Ԁgeturgreittfyrirhana.Einnigskalupp !W% lUsaumallargreiWslurogY;knanirtilYriWjaaWila.A0J,-݌J""&   Ќ   y UpplUsingarumkostnaWoggjld,Y.m.t.kostnaWviWsamning,semeruekkitilkomin #' vegnaundirliggjandimarkaWshttu,skuluvera_samanteknu_ԀformisvoviWskiptavininum #( skleiftaWttasigheildarkostnaWinumogsamlegWarhrifumvxtunaffjrfestingunni. $ ) EfviWskiptavinur;skareftirYvskalleggjaframsundurliWunkostnaWioggjldum.Upp v%N!* lUsingarnarskalveitareglulegaogminnstrlegalftmafjrfestingarinnar. A&"+  y UpplUsingagjfsamkvmtYessarigreinskalvera_samanteknu_ԀformioggeraviWskipta  '", vinikleiftaWskiljaeWlioghttu_afurWarinnar_ԀYannigaWhanngetitekiWupplUstakvrWun '#-  umfjrfestinguna.UpplUsingarnarmveitastWluWuformi. (z$. & a    y XrttfyrirkvWi4.og5.tlul.1.mgr.og3.mgr.5.gr.getadreifingaraWilargreitteWa (  fengiWgreiddaY;knun,umboWslaun,eWagefiWeWafengiW;fjrhagsleganvinningfrWrum  'a(H3enviWskiptavinieWaaWilasemkemurframfyrirhanshndefgreiWslaneWavinningurinn:  / /"A0J"  A0JG5 y2g  a  .3  Ԉ0    skaWarekkigWiYj;nustunnar,A0JG5t5݌a   Ќ  "A0J"  A0JN6 y2g  b  .3  Ԉ0    kemurekkivegfyriraWYeiruppfylliskyldurumaWstarfaheiWarlega,afsanngirniog T, faglegameWhagsmuniviWskiptavinaraWleiWarlj;si.A0JN6{6݌   Ќ   y e.(140.gr.e.)   J    J8  Xarfagreining.J8B8݌  X Ќ    y XegarrWgjferveittskuludreifingaraWilartilviWb;tarviWupplUsingarskv.1.og2.mgr. K #  6.gr.fnauWsynlegarupplUsingarumreynsluogYekkinguviWskiptavinarfjrfestingum    vegna_vtryggingatengdu_Ԁ_fjrfestingarafurWarinnar_,fjrhagsstWuhans,Y.m.t.getuhanstil    aWYolatap,og_fjrfestingarmarkmiW_,Y.m.t.httuYol,svoaWhgtsaWmlameWhentugri   afurW. wO   y XegarveitterfjrfestingarrWgjfsemfelursraWvtryggingerboWinmeWvrueWa B  Yj;nustu,semhlutiafpakkaeWasamasamningiskv.9.gr.,skaltryggtaW_heildarpakkinn_    samrmistYrfumviWskiptavinar.    y f.(140.gr.f.) nF J    J<  _LgmarksupplUsingaflun_.J<=݌ 9 Ќ    y XrttfyriraWrWgjfsekkiveittskv.140.gr.eskuludreifingaraWilartilviWb;tarviW  upplUsingarskv.1.og2.mgr.6.gr.fupplUsingarumYekkinguogreynsluviWskiptavinar  fjrfestingumvegna_afurWarinnar_ԀsvoaWhgtsaWmetahvorthnhentiviWskiptavininum. r XegarvtryggingerboWinmeWvrueWaYj;nustu,semhlutiafpakkaeWasamasamningi e= skv.9.gr.,skalmetahvort_heildarpakkinn_ԀsamrmistYrfumviWskiptavinar. 0  y EfafurWsamrmistekkiYrfumviWskiptavinarskalhannupplUsturumYaW.   y EfviWskiptavinurveitirekkiupplUsingarskv.1.mgr.eWaveitir;fullngjandiupplUsingar  skalhannupplUsturumaWekkishgtaWmetahvort_afurWin_ԀsamrmistYrfumhans.Slkar i upplUsingargetaveriWstWluWuformi. \4  y g.(140.gr.g.)  J    JtB  VarWveislagagnaogformupplUsingagjafar.JtBB݌  Ќ    y DreifingaraWilarskuluvarWveitallskjlsemliggjatilgrundvallarviWskiptum,Yarsem `  framkomarttindiogskylduraWilaogaWrirskilmlarYj;nustunnar. S+!  y AWminnstakostirlegaskaldreifingaraWililtaviWskiptavinitvaranlegummiWli " samantektumveittaYj;nustuYarsemframkomaupplUsingarumreglulegsamskiptiogaWrar # upplUsingarsemmiWastviWhversufl;kin_vtryggingatengda_Ԁ_fjrfestingarafurWin_ԀerogeWli  $ Yj;nustunnar.XegarviWskaltilgreinakostnaWviWskiptavinarvegnaviWskiptannaogYj;n !W% ustunnar. J""&  y XegarrWgjferveittum_vtryggingatengda_Ԁ_fjrfestingarafurW_Ԁskal,Wurensamningur #' ergerWur,veitaviWskiptavinisamanteknarupplUsingarvaranlegummiWlisemtilgreinir #( hvaWarWgjferveittoghvernigsrWgjfuppfyllirmarkmiWogYarfirviWskiptavinarins $ ) skv.1.!4.mgr.7.gr. v%N!*  y Ef_vtryggingarsamningur_ԀergerWurfjarslueWaannanhttYarsemekkierunntaW A&"+ veitaupplUsingarfyrirsamningsgerWmveita_samanteknu_ԀupplUsingarnarvaranlegum  '",  miWliYegarsamningurinnerkominn,efeftirfarandiskilyrWieruuppfyllt: '#- / /"A0J"  A0JOJ y2g  a  .3  Ԉ0    & a  viWskiptavinurhefursamYykktaWfupplUsingarnarnstWulausrartafareftiraW (  samningurinnerkominogA0JOJ|J݌   Ќ  'a(J"A0J"  A0JK y2g  b  .3  Ԉ0    viWskiptavinihefurveriWgefinnkosturaWfrestagerWsamningsinstilaWfupplUsing  arnarfyrirgerWsamningsins.A0JKL݌a   Ќ  & a  y XegarYarfagreiningergerWreglulegasamningstmanumskalniWurstaWankomafram T, samantektskv.2.mgr.  'aTqM y & a h.(140.gr.h.)   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