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E PFrumvarptillaga#P  EL#   =  umflagslegan_viWb;tarstuWning_ԀviWaldraWa.    (Eftir2.umrWu,29.jn.) K #  O|    O|  I.KAFLIO|݌    Ќ   N     N#  MarkmiWoggildissviW.N#M݌   Ќ    K|    K|  1.gr.K|݌ wO  Ќ   J    Ja  MarkmiW.Ja݌ B  Ќ     MarkmiWlagaYessaraeraWstyrkjaframfrslualdraWraeinstaklingasembsettireruhr    landiogeigaengineWatakmrkuWlfeyrisrttindialmannatryggingum.   K|    K|  2.gr.K| ݌ nF Ќ   J    Jx   GildissviW.Jx ݌ 9 Ќ     LgYessitakatileinstaklingasemeru67raeWaeldri,hafafastabsetuogskrW  lgheimilihrlandiogsemdveljavaranlega0slandi.    EfumerlendanrkisborgaraeraWrWaerYaWskilyrWiaWhannhafi;tmabundiWdvalar r leyfihrlandieWartttil_;tmabundinnar_ԀdvalarhrlandisamkvmtkvWumlagaum e= tlendinga. 0   HeimilteraWveitaundanYgufrskilyrWi2.mgr.hafierlendi_rkisborgarinn_Ԁdvalarleyfi  hrlandisemgeturveriWgrundvllur_;tmabundins_Ԁ_dvalarleyfis_ԀeWahannuppfyllirskilyrWi  84.eWa85.gr.lagaumtlendinga,endahafihannveriWbsetturhrlandi,sbr.1.mgr., i samfellta.m.k.tvrYegars;tterumflagslegan_viWb;tarstuWning_ԀogsrstakaraWstWur \4 erufyrirhendi. ' O|    O|  II.KAFLIO|݌  Ќ   N     Nj  _ViWb;tarstuWningur_.Nj݌ `  Ќ    K|    K|7  3.gr.K|7^݌ S+! Ќ   J    J  _ViWb;tarstuWningur_ԀogfjrhWir.J݌ " Ќ     XeirsemuppfyllaskilyrWilagaYessaragetafengiWgreiddanflagslegan_viWb;tarstuWning_ # srtilframfrslusamrmiviWnnarikvWilagaYessara.  $   HmarksfjrhW_mnaWarlegs_Ԁ_viWb;tarstuWnings_Ԁskalnema90%affjrhWfullselli !W% lfeyriseinsoghannerkveWinnhverjusinnilgumumalmannatryggingar. J""&   Efum_einhleypan_ԀumskjandaeraWrWa,sembUreinnogereinnum_heimilisrekstur_Ԁn #' YessaWnj;tafjrhagslegshagrWisafsambUlieWa_samlgum_ԀviWaWraumhsnWisaWstWu #( eWafWiskostnaW,ertilviWb;tarstuWningiskv.1.mgr.heimiltaWgreiWa90%af_mnaWarlegri_ $ ) fjrhWfullrarheimilisuppb;tareinsoghnerkveWinhverjusinnilgumumflagslega v%N!* aWstoW. A&"+    '", _K|    K|  & ,  4.gr.K|݌ ( Ќ   J    Jg  _Tming_Ԁannarrarttinda.Jg݌  Ќ     Ssemskirum_viWb;tarstuWning_ԀsamkvmtlgumYessumskalWurhafas;ttumog  tekiWtaWfullullrttindisemhannkann',(ԀaWeigaeWahafaunniWsr.Xettam.a.viWum a launatengdrttindi,greiWsluralmannatryggingaogflagslegaaWstoWrkisinssemog_atvinnu T, tengdar_Ԁog_iWgjaldatengdar_Ԁ_lfeyrisgreiWslur_ԀhjslenskumogerlendumaWilum.  K|    K|  5.gr.K|݌   Ќ   J    JF  Frtekjumarkoghrifannarratekna.JFp݌  X Ќ     Allartekjur_greiWsluYega_Ԁskulukomatil_frdrttar_ԀfjrhW_mnaWarlegs_Ԁ_viWb;tarstuWnings_ K #  skv.3.gr.X;skal_greiWsluYegi_Ԁhafa25.000kr.almenntfrtekjumarkmnuWivegnaannarra    teknaenb;tasamkvmtlgumumalmannatryggingaroglgumumflagslegaaWstoW.      MeWtekjumskv.1.mgr.erttviWallartekjurskv.II.kaflalagaumtekjuskatt,aWundan   skilinnifjrhagsaWstoWsveitarflaga,Y.m.t.btursamkvmtlgumumalmannatryggingar, wO  lgumumflagslegaaWstoW,lgumumsjkratryggingar,lgumumslysatryggingaral B  mannatrygginga,lgumumatvinnuleysistryggingar,greiWslurfrlfeyrissj;Wumsamkvmt    lgumumskyldutryggingulfeyrisrttindaogstarfsemilfeyrissj;Waog_sreignarlfeyri_   hverjunafnisemnefnist.SamaviWumsambrilegartekjursemaflaWereWagreiddareru {  erlendisogeruekkitaldarframtilskattshrlandi. nF   FjrmagnstekjurskuluteljasttilteknaviWtreikning_viWb;tarstuWnings_.Xegarumhj;n 9 eWa_sambUlisf;lk_ԀeraWrWaskiptastfjrmagnstekjurtilhelmingamilliYeirraviWtreikning  innogskiptirekkimlihvortYeirraereigandiYeirraeignasemmyndatekjurnareWahvort  umsreigneWa_hjskapareign_ԀeraWrWa. r   HafiumskjandiYegarfengiWgreiddafjrhagsaWstoWsveitarflagssamatmabilisem e= greitterfyrirafturtmannskv.4.mgr.9.gr.skal_viWb;tarstuWningurinn_Ԁnemamismuninum 0 fyrirYaWtmabil.SamaviWumYannmnuWergreiWslurhefjast.  K|    K| %  6.gr.K| %0%݌ i Ќ   J    J%  BtreikningurfjrhWar_viWb;tarstuWnings_.J%%݌ \4 Ќ     HeimilteraWgreiWa_viWb;tarstuWning_ԀsamkvmtlgumYessumYegarhmarksfjrhW ' _viWb;tarstuWnings_Ԁskv.3.gr.nemurhrrifjrhWen_heildarfjrhW_Ԁ_mnaWarlegra_Ԁtekna  _greiWsluYega_Ԁskv.5.gr.aWteknutillititil_frtekjumarks_._ViWb;tarstuWningur_Ԁsamkvmtlg  umYessumnemurmismuninumhmarksfjrhW_viWb;tarstuWnings_Ԁskv.3.gr.og_heildar `  fjrhW_Ԁtekna_greiWsluYega_Ԁskv.5.gr. S+!   ViWtreikning_viWb;tarstuWnings_ԀskalmiWaWviWnUjustu_tekjuupplUsingar_Ԁsemvler, " sbr.einnig11.og12.gr. #   FjrhW_mnaWarlegs_Ԁ_viWb;tarstuWnings_,semreiknuWhefurveriWsamrmiviW1.mgr.,  $ skalkvrWuWnUverWibreytingartekjumeWaWrumaWstWumsemliggjatilgrundvallar !W% viWtreikning_fjrhWinni_,endanemibreytinginaWlgmarki10%afWur_reiknaWri_ԀfjrhW J""& _viWb;tarstuWningsins_Ԁskv.1.mgr. #' K|    K|-  7.gr.K|--݌ $ ) Ќ   J    J.  Eignir.J.>.݌ v%N!* Ќ     EkkikemurtilgreiWslu_viWb;tarstuWnings_ԀsamkvmtlgumYessumnemieignirumskj A&"+ andapeningumeWaverWbrfumhrrifjrhWen4.000.000kr.  '",  '#- K|    K|/  8.gr.K|//݌ ( Ќ   J    JQ0  Dvlerlendis.JQ0{0݌  Ќ     GreiWsla_viWb;tarstuWnings_ԀfellurniWurYegar_greiWsluYegi_ԀdvelureWahyggstdveljaer  lendislenguren90dagasamfellteWalenguren90dagahverju12mnaWa_greiWslutmabili_. a   SdvlinnitlaWaWvaralenguren90dagasamfelltfellurgreiWslanniWurfrogmeW T, nstamnuWieftirYannmnuWerdvlerlendish;fst.0WrumtilvikumfellurgreiWslanniWur  frogmeWnstamnuWieftirYannmnuWerdvlerlendishafWivaraW90dagaeWaYegar  dvlerlendisnemur90dgumsamtals_greiWslutmabilinu_.     _GreiWsluYega_ԀerskyltaWtilkynnaTryggingastofnunrkisinsumfyrirhugaWadvlerlendis  X fyrirbrottfrsemogumkomutillandsins,sbr.einnig11.gr.S_upplUsingaskyldu_Ԁekkisinnt K #  afhlfu_greiWsluYega_ԀeWamakahansgildakvWi10.gr.eftirYvsemviW.    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HafifjrhW_viWb;tarstuWningsins_ԀtekiWbreytingumsamrmiviW2.mgr.6.gr. r _greiWslutmabilinu_ԀgreiWistbreyttfjrhWfrogmeWnstamnuWieftiraWbreytinginhefur e= tekiWgildi. 0   EkkierheimiltaWgreiWa_viWb;tarstuWning_ԀlengraafturtmannfrYvaWums;knvar  lgWframensemnemurYremurmnuWum.EkkierugreiddirvextirefumgreiWsluraftur  tmanneraWrWa. i   Dvelji_greiWsluYegi_ԀeinnmnuWeWalengurstofnun,sbr.5.mgr.48.gr.lagaumal \4 mannatryggingar,nr.100/2007,fellurgreiWsla_viWb;tarstuWnings_ԀniWurfrogmeWnsta ' mnuWieftiraWdvlinh;fst.Samagildirum_afplnun_Ԁfangelsi,_gsluvarWhald_ԀeWaYegar  _greiWsluYegi_ԀhefurannanhttveriWrskurWaWurtildvalarstofnun,sbr.56.gr.lagaumal  mannatryggingar. `  K|    K|UA  10.gr.K|UA|A݌ " Ќ   J    JA  _Endurkrfur_.JAB݌ # Ќ     HafigreiWsla_viWb;tarstuWnings_ԀttsrstaWnYessaWskilyrWumlagaYessarasfullngt  $ skalTryggingastofnunendurkrefja_greiWsluYega_Ԁumhina_ofgreiddu_ԀfjrhW. !W%   Xegarum_endurkrfu_ԀeraWrWaskv.1.mgr.mdragahina_ofgreiddu_ԀfjrhWfr_viW J""& b;tarstuWningi_Ԁsem_greiWsluYegi_ԀkannsWaraWf_kvarWaWan_.X;erekkiheimiltaWdragafr #' _viWb;tarstuWningi_Ԁskv.1._mlsl_.hrrifjrhWensemnemur20%af_mnaWarlegum_ԀgreiWsl #( umnemaumannaWssamiW. $ )   HeimilteraWdragahina_ofgreiddu_ԀfjrhWfrb;tumeWaWrumgreiWslumsem_greiWslu v%N!* Yegi_ԀkannaWnj;tasamkvmtlgumumalmannatryggingareWalgumumflagslegaaWstoW A&"+  ogferYummeWferW_endurkrfu_Ԁskv.55.gr.lagaumalmannatryggingar,nr.100/2007.  '",   & a  kvarWanirTryggingastofnunarum_endurkrfu_Ԁ_ofgreiddum_Ԁ_viWb;tarstuWningi_ԀeruaW ( fararhfar,sbr.Y;14.gr.  'a(HK|    K|I  11.gr.K|IJ݌ a Ќ   J    JJ  _UpplUsingaskylda_.JJJ݌ T, Ќ     UmskjandaeWa_greiWsluYega_ԀerrttogskyltaWtakaYttmeWferWmlsins,m.a.meWYv  aWkomatilviWtalsogveitaTryggingastofnunallarYrupplUsingarsemnauWsynlegareru  svoaWunntsaWtakakvrWunum_viWb;tarstuWning_ԀsamkvmtlgumYessum,fjrhW   hansogendurskoWun_stuWningsins_.XerskyltaWtilkynnaumallarbreytingartekjumeWa  X WrumaWstWumsemgetahafthrifkvrWunumstuWningoggreiWsluhans. K #    kvWi1.mgr.eigaeinnigviWummakaumskjandaeWa_greiWsluYega_ԀeftirYvsemviW.    K|    K|N  12.gr.K|NO݌   Ќ   J    JoO  _UpplUsingaskylda_ԀannarraaWila.JoOO݌ wO  Ќ     Skatturinn,_Vinnumlastofnun_,_sjkratryggingastofnunin_,Xj;Wskr0slands,_Innheimtu B  stofnun_Ԁsveitarflaga,_Fangelsismlastofnun_,_Btlendingastofnun_,_rkislgreglustj;ri_,_Sam    gngustofa_,lfeyrissj;Wir,_sjkrastofnanir_,dvalarog_hjkrunarheimili_,sveitarflg,Lna   sj;Wurslenskranmsmanna,viWurkenndarmenntastofnanirinnanhinsalmenna_menntakerfis_ {  ogsk;larhsk;lastigiskulultaTryggingastofnuntupplUsingarmeWrafrnumhttieWa nF annanhttaWYvmarkisemslkarupplUsingarerunauWsynlegartilaWunntsaWfram 9 fylgjalgumYessum.    UpplUsingarogggnsemTryggingastofnun;skareftirogunnteraWltatskuluveittar  nendurgjaldsogYvformisem;skaWer. r   TryggingastofnunrkisinsberaWupplUsaviWkomandiaWilaumfyrirhugaWaupplUsinga e= flunskv.1.mgr.samrmiviW2.mgr.17.gr.lagaumpers;nuverndogvinnslupers;nu 0 upplUsinga,nr.90/2018,sbr.14.gr.reglugerWarEvr;puYingsinsogrWsins(ESB)2016/679.  K|    K|V  13.gr.K|V W݌ i Ќ   J    JtW  Eftirlit.JtWW݌ \4 Ќ     TryggingastofnunskalreglubundiWsannreynarttmtigreiWslna_viWb;tarstuWnings_Ԁog ' upplUsingarsemkvrWunumgreiWslubyggist.GrundvllgreiWslna_viWb;tarstuWnings_Ԁm  endurskoWahvenrsemerogsamhfagreiWslurYeimbreytingumsemorWiWhafaaWstW  um_greiWsluYega_. `    TryggingastofnunerheimiltYgueftirlitsaW;skaeftirupplUsingumogggnumfrYeim S+! aWilumsemtaldireruupp12.gr.ognauWsynlegerutilaWsannreynarttmtikvarWanaog " greiWslna. #   LeikirkstuddurgrunuraWheimildtilgreiWslnasekkifyrirhendierheimiltaWfresta  $ greiWslumtmabundiWmeWanmlerrannsakaWfrekarogstWvagreiWslurkomilj;saWskil !W% yrWumgreiWslnaerekkifullngt.Um_endurkrfur_Ԁ_ofgreiWslna_Ԁferskv.10.gr. J""&   LeikirkstuddurgrunuraWgreiWslureigisrstaWgrundvelli_rangra_ԀeWavillandiupp #' lUsingafr_greiWsluYega_ԀerheimiltaWaflaupplUsingafrYriWjaaWilasemtlamaWgeti #( veittupplUsingarermliskiptaYvskyniaWleiWrttagreiWslur. $ )   Komilj;saWrangar,villandieWa;fullngjandiupplUsingarhafivsvitandiveriWveittar v%N!*  eWaeinstaklingurhafiltiWhjlWaaWveitanauWsynlegarupplUsingarYvskyniaWf_;rtt_ԃ A&"+ mtar& a  greiWslurskal_greiWsluYegi_ԀendurgreiWaYfjrhWsemofgreiddvaraWviWbttu15% ( lagi.  'a( `K|    K|`  14.gr.K|`a݌ a Ќ   J    Ja  _Stj;rnsUslukrur_.Jaa݌ T, Ќ     _BrskurWarnefnd_Ԁ_velferWarmla_ԀskalkveWaupprskurWiumgreiningsefnisemkunnaaW  rsagrundvellilagaYessara.    Umkrurtil_rskurWarnefndar_Ԁ_velferWarmla_ԀogrskurWinefndarinnarferskv.13.gr.laga   umalmannatryggingar,nr.100/2007.  X K|    K|Ad  15.gr.K|Adhd݌    Ќ   J    Jd  MlsmeWferW.Jdd݌    Ќ     Umskjandium_viWb;tarstuWning_ԀskalskjaumgreiWslureiginpers;nuhjTrygginga   stofnunrkisinsoggildirhiWsamaumendurnUjunums;knaskv.9.gr.X;erTryggingastofn wO  unheimiltaWtakaviWums;knummeWWrumhttisemstofnunintelurfullngjandihvaW B  varWarstaWfestinguvaranlegridvlogbsetuhrlandi.      kvWiV.og_VI_.kaflalagaumalmannatryggingar,nr.100/2007,gildaeftirYvsemviW   umframkvmdlagaYessara. {  O|    O|Ih  _IV_.KAFLIO|Ihph݌ 9 Ќ   N     Nh  nnurkvWi.Nh'i݌  Ќ    K|    K|i  ݀16.gr.K|ii݌  Ќ   J    J/j  Btgjld.J/jYj݌ r Ќ     KostnaWurvegna_viWb;tarstuWnings_ԀsamkvmtlgumYessumgreiWistrrkissj;Wisam e= rmiviWkvrWunAlYingissamkvmtfjrlgumog_fjraukalgum_Ԁhverjusinni. 0 K|    K|l  17.gr.K|l+l݌  Ќ   J    Jl  Framkvmd.Jll݌ i Ќ     TryggingastofnunrkisinsskalannastframkvmdlagaYessara. \4 K|    K|m  18.gr.K|mm݌  Ќ   J    J#n  ReglugerW.J#nMn݌  Ќ     RWherraerheimiltaWsetjareglugerWmeWnnarikvWumumgreiWslur_viWb;tarstuWn `  ings_ԀogumframkvmdlagaYessara. S+! K|    K|o  19.gr.K|oo݌ # Ќ   J    J@p  Gildistaka.J@pjp݌  $ Ќ     LgYessiWlastgildi1.jl2020ogkomatilframkvmda1.n;vember2020.