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(g00"i0J"  i0JG2g  a  .3  Ԉ0    AliWur1.mgr.orWastsvo:skuluverafjrhagslegasjlfstWir,hafaYekkingu,hfniog {  reynslutilaWgetasinntstarfisnutilhlUWileganhtt.i0JGt݌nF Ќ  "i0J"  i0J2g  b  .3  Ԉ0    C-liWur1.mgr.orWastsvo:skuluveralgrWaogmegaekkisWustufimmrumhafa 9 veriWrskurWaWirgjaldYrota.i0J ݌ Ќ  "i0J"  i0J[2g  c  .3  Ԉ0    DliWur1.mgr.orWastsvo:megaekkitengslumviWatvinnureksturhafahlotiWd;m  sWustuturumfyrirrefsiverWanverknaWsamkvmtalmennumhegningarlgum,sam r keppnislgum,lgumumhlutaflg,lgumumeinkahlutaflg,lgumumb;khald, e= lgumumrsreikninga,lgumumstaWgreiWsluopinberragjaldaoglgumumgjald 0 eyrisml,svoogsrlgumsemgildaumaWilasemltaopinberueftirlitimeWfjrmla  starfsemi.i0J[݌ Ќ  "i0J"  i0Jn2g  d  .3  Ԉ0    EliWur1.mgr.fellurbrott.i0Jn݌i Ќ  "i0J"  i0Jk2g  e  .3  Ԉ0    2.mgr.fellurbrott.i0Jk݌\4 Ќ  "i0J"  i0J]2g  f  .3  Ԉ0    3.mgr.orWastsvo:i0J]݌' Ќ  0  0  VtryggingamiWlariskaltilkynnaFjrmlaeftirlitinuumskipanogsWaribreytingar  stj;rnogframkvmdastj;ra. 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(g00"i0J"  i0JK2g  a  .3  Ԉ0    BliWur1.mgr.orWastsvo:lgumYessum,lgumumvtryggingarsamninga,lgum " sviWineytendamla,lgumumpers;nuverndogvinnslupers;nuupplUsingaogviWeig # andiskattalggjfsamtflagsmlaogvinnulggjf.i0JKx݌ $ Ќ  "i0J"  i0J@2g  b  .3  Ԉ0    GliWur1.mgr.orWastsvo:eWlilegumogheilbrigWumviWskiptahttum.i0J@m݌!W% Ќ  "i0J"  i0Jq2g  c  .3  Ԉ0    1.mlsl.2.mgr.orWastsvo:AWilarsemdreifapers;nutryggingumskv.2.mgr.20.gr. J""& og21.gr.lagaumvtryggingastarfsemi,nr.100/2016,skuluhafaYekkingulgum #' Yessum,lgumumvtryggingarsamninga,lgumsviWineytendamla,lgumumper #( s;nuverndogvinnslupers;nuupplUsinga,lgumumaWgerWirgegnpeningaYvttiog $ ) fjrmgnunhryWjuverkaogeftiratvikumskattaogvinnulggjfsamtstUringuhags v%N!* munarekstrum.i0Jq݌A&"+   "i0J"  i0J2g  d  .3  Ԉ0    FliWur2.mgr.orWastsvo:eWlilegumogheilbrigWumviWskiptahttum.i0Jý݌ '", Ќ  "i0J"  i0JǾ2g  e  .3  Ԉ0    & a  FliWur3.mgr.orWastsvo:lgumYessum,lgumumvtryggingarsamninga,lgum ( sviWineytendamla,lgumumaWgerWirgegnpeningaYvttiogfjrmgnunhryWjuverka  ogviWeigandiskattalggjf.'a(ai0JǾ݌ Ќ  "i0J"  i0J2g  f  .3  Ԉ0    JliWur3.mgr.orWastsvo:eWlilegumogheilbrigWumviWskiptahttum.i0J݌a Ќ  "i0J"  i0J2g  g  .3  Ԉ0    K-liWur3.mgr.orWastsvo:fjrmlum.i0J.݌T, Ќ  K|    K|   36.gr.K| 2݌  Ќ     0staWorWanna?lgumYessum fliW1.mgr.34.gr.lagannakemur:lgumsemumstarf   seminagilda.  X K|    K|N  37.gr.K|Nu݌    Ќ     1.mgr.36.gr.lagannaorWastsvo:      HyggistvtryggingamiWlarihttastarfsemieWastandihannekkilengurfyrirsjlfstWri   starfsemiskalhannskilainnstarfsleyfisnu. wO  K|    K|  &  38.gr.K|݌    Ќ     eftirorWinu?endurskoWaWan 1.mlsl.' 6Ԁ1.mgr.37.gr.lagannakemur:eWakannaWan.   K|    K|2  39.gr.K|2Y݌ nF Ќ     EftirfarandibreytingarverWa44.gr.laganna: 9 ! ! (g00"i0J"  i0J2g  a  .3  Ԉ0    0staWorWanna?vtryggingamiWlara,vtryggingaumboWsmannseWaaWilasemdreifir  vtryggingusemaukaafurW 1.mlsl.1.mgr.kemur:dreifingaraWila.i0J݌ Ќ  "i0J"  i0Jb2g  b  .3  Ԉ0    0staWorWsins?og 2.mlsl.1.mgr.kemur:eWa.i0Jb݌r Ќ  "i0J"  i0J2g  c  .3  Ԉ0    0staWorWanna?vtryggingamiWlara,vtryggingaumboWsmannseWaaWilasemdreifir e= vtryggingu 2.mgr.kemur:dreifingaraWila.i0J݌0 Ќ  K|    K|  40.gr.K|:݌  Ќ     0staWorWsins?miWla 1.og5.tlul.1.mgr.48.gr.lagannakemur:dreifa. i O|    O|(  III.KAFLIO|(O݌ ' Ќ   N     N  Breytinglgumumvtryggingarsamninga,nr.30/2004.N݌  Ќ    K|    K|  41.gr.K|݌  Ќ     EftirfarandibreytingarverWa2.gr.laganna: `  ! ! (g00"i0J"  i0J 2g  a  .3  Ԉ0    OrWin?eWa21. aliW21.tlul.fallabrott.i0J 8݌S+! Ќ  "i0J"  i0J%2g  b  .3  Ԉ0    ViWbtistnUrtluliWur,svohlj;Wandi:ViWskiptavinur:AWilisemfrYj;nustuskv.4. " tlul.i0J%R݌# Ќ  K|    K|  42.gr.K|݌ !W% Ќ     eftir3.gr.lagannakemurnUgrein,3.gr.a,samtfyrirsgn,svohlj;Wandi: J""& J    J  Lgfesting.J݌ #' Ќ     kvWieftirfarandireglugerWa,einsogYrvoruteknaruppEESsamninginn,skuluhafa #( lagagildihrlandimeWYeimaWlgunumsemleiWirafkvrWunumsameiginleguEES $ ) nefndarinnarnr.304/2019fr13.desember2019,semerbirtEESviWbtiviWStj;rnar v%N!* tWindiEvr;pusambandsinsnr.14fr5.mars2020,bls.58,sbr.einnigb;kun1umaltka A&"+ aWlgunviWEESsamninginn,sbr.lgumEvr;pskaefnahagssvWiW,nr.2/1993,Yarsem  '", b;kuninerlgfest: '#- ! ! _ikmo(%00"i0J"  i0Jr2%  1  .3  Ԉ0    & a FramseldrarreglugerWarframkvmdastj;rnarinnar(ESB)2017/2358umviWbturviW ( tilskipunEvr;puYingsinsogrWsins(ESB)2016/97aWYvervarWarkrfurumeftirlit  'a( ogstUringuafurWafyrirvtryggingaflgogdreifingaraWilavtrygginga,semerbirt  EESviWbtiviWStj;rnartWindiEvr;pusambandsinsnr.19fr18.mars2021,bls.1!7.i0Jr݌a Ќ  "i0J"  i0J52%  2  .3  Ԉ0    FramseldrarreglugerWarframkvmdastj;rnarinnar(ESB)2017/2359umviWbturviW T, tilskipunEvr;puYingsinsogrWsins(ESB)2016/97aWYvervarWarkrfurumupp  lUsingarogreglurumviWskiptahttisemgildaumdreifinguvtryggingatengdrafjr  festingarafurWa,semerbirtEESviWbtiviWStj;rnartWindiEvr;pusambandsinsnr.19   fr18.mars2021,bls.8!18.i0J5b݌ X Ќ  K|    K|   43.gr.K| 1݌    Ќ     EftirfarandibreytingarverWa4.gr.laganna:    / / (g00_ikmo"i0J"  i0J2g  a  .3  Ԉ0    0staWorWsins?vtryggingartaka 1.mlsl.1.og2.mgr.kemur:viWskiptavini.i0J݌  Ќ  "i0J"  i0J2g  b  .3  Ԉ0    0staWorWsins?vtryggingartaka 3.mgr.kemur:viWskiptavinar.i0J ݌wO  Ќ  "i0J"  i0J2g  c  .3  Ԉ0    0staWorWsins?vtryggingartaka 4.mgr.kemur:viWskiptavin.i0J>݌B  Ќ   _ikmo(%00K|    K|  & a 44.gr.K|݌   Ќ     EftirfarandibreytingarverWa5.gr.laganna: {  ! ! 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J    J  Xarfagreining.J݌ `  Ќ     WurenvtryggingarsamningurergerWurskaldreifingaraWiliskilgreinakrfurogYarfir S+! viWskiptavinargrundvelliupplUsingasemaflaWerfrviWskiptaviniogskalskilgreiningin " takamiWafflkjustigiafurWarinnarogYvhvernigviWskiptavinumrWir. #   DreifingaraWiliskalveitaviWskiptavinihlutlausarupplUsingarummgulegavtryggingar  $ samningasamrmiviWYarfirhansogYvformisemgerirhonumkleiftaWtakaupplUsta !W% kvrWun. J""&   XarfagreiningskaltakamiWafeWlivtryggingarinnarsemmltermeWogYekkinguviW #' skiptavinarvtryggingunni. #(   $ )   &   b.(6.gr.a.) ( J    J  RWgjf.J݌  Ќ     EfrWgjferveittWurenvtryggingarsamningurergerWurskaldreifingaraWiliveita  viWskiptavinipers;nulegarWlegginguogtskUrahversvegnatiltekinvtryggingsamrmist a bestYrfumhans.'(Ԁ T,   & a c.(6.gr.b.)  J    J  RWgjfsembyggisthlutlausriogpers;nulegrigreiningu.J)݌   Ќ     EfvtryggingamiWlari'aԀveitirrWgjfsembyggisthlutlausriogpers;nulegrigreiningu  X skalrWgjfinbyggjastgreiningungilegumfjldavtryggingasemboWieru.Grein K #  inginskalgeravtryggingamiWlarakleiftaWveitafaglegaogpers;nulegarWlegginguum    hvaWavtryggingsamrmistbestYrfumviWskiptavinar.      d.(6.gr.c.) wO  J    J  UpplUsingagjfgrundvelliYarfagreiningarogrWgjafar.J݌ B  Ќ     DreifingaraWiliskalveitaviWskiptaviniupplUsingarsemgrundvallast6.gr.,6.gr.aog    6.gr.bYvformisemgerirviWskiptavinikleiftaWtakaupplUstakvrWunumvtryggingu.   UpplUsingarnarskalveitaWurenvtryggingarsamningurergerWurogntillitstilYesshvort {  vtryggingarsamningurinnerhlutiafpakkaskv.9.gr. nF K|    K|z  & a 46.gr.K|z݌  Ќ     0staWorWsins?vtryggingartaka 1.mgr.7.gr.lagannaogsamaorWshvarvetnaannars  staWargreininnikemur,viWeigandibeygingarfalli'aԀogmeWeWangreinis:viWskiptavinur. r K|    K|7  47.gr.K|7^݌ 0 Ќ     EftirfarandibreytingarverWa8.gr.laganna:  ! ! (g00"i0J"  i0J2g  a  .3  Ԉ0    0staWorWsins?vtryggingartaka 1.mgr.kemur:viWskiptavin.i0J݌ Ќ  "i0J"  i0J2g  b  .3  Ԉ0    0staWorWsins?vtryggingartaki 2.mgr.kemur:viWskiptavinur.i0J݌i Ќ  K|    K|  48.gr.K|E݌ ' Ќ     EftirfarandibreytingarverWa9.gr.laganna:  ! ! (g00"i0J"  i0J2g  a  .3  Ԉ0    0staWorWanna?vtryggingaupplUsavtryggingartaka 1.mlsl.1.mgr.kemur:upp  lUsaviWskiptavinum.i0J݌`  Ќ  "i0J"  i0J2g  b  .3  Ԉ0    0staWorWsins?vtryggingartaki 2.mlsl.1.mgr.kemur:viWskiptavinur.i0JE݌S+! 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Ќ     EftirfarandibreytingarverWa140.gr.dlaganna: " ! !"i0J"  i0Jv%2g  a  .3  Ԉ0    0staWtilvsunarinnar?5.og6.gr. 1.mlsl.1.mgr.kemur:5.gr.,6.gr.,6.gr.aog # 6.gr.b.i0Jv%%݌ $ Ќ  "i0J"  i0J&2g  b  .3  Ԉ0    AliWur1.mgr.orWastsvo:hvorthannmunifreglulegtmathfiYeimtilvikum !W% YegarrWgjferveitt.i0J&'݌J""& Ќ  "i0J"  i0JC(2g  c  .3  Ԉ0    AliWur4.mgr.orWastsvo:dregurekkirgWumYj;nustunnar.i0JC(p(݌#' Ќ  K|    K|n)  55.gr.K|n))݌ $ ) Ќ     EftirfarandibreytingarverWa140.gr.elaganna: v%N!* ! !"i0J"  i0Jx*2g  a  .3  Ԉ0    0staW1.mgr.komatvrnUjarmlsgreinar,svohlj;Wandi:i0Jx**݌A&"+ Ќ  0  0   v XegarrWgjferveittskuludreifingaraWilar,aukupplUsingaskv.6.gr.,fnauWsyn  '", legarupplUsingarumYekkinguogreynsluviWskiptavinaraffjrfestingumsemmli '#- skiptavegnaYeirrarvtryggingatengdufjrfestingarafurWarsemumrWir,fjrhagsstWu ( hans,Y.m.t.getutilaWYolatap,ogfjrfestingarmarkmiW,Y.m.t.httuYol. 0  0   v UpplUsingarskv.1.mgr.skulugeradreifingaraWilumkleiftaWmlameWafurWsem  hfirviWkomandi,srlagisamrmiviWhttuYologgetuviWskiptavinartilaWYola a tap.T, "i0J"  i0J/2g  b  .3  Ԉ0    2.mgr.orWastsvo:i0J///݌ Ќ  0  0   v XegarveitterfjrfestingarrWgjfsemfelursraWvtryggingerboWinmeWannarri  vrueWaYj;nustuskv.9.gr.skaltryggtaWheildarpakkinnhfiviWskiptavininum.  "i0J"  i0J)12g  c  .3  Ԉ0    FyrirsgngreinarinnarorWastsvo:Mathfi.i0J)1V1݌ X Ќ  K|    K|>2  56.gr.K|>2e2݌    Ќ     EftirfarandibreytingarverWa140.gr.flaganna:    ! !"i0J"  i0JH32g  a  .3  Ԉ0    1.mgr.orWastsvo:i0JH3u3݌  Ќ  0  0   v XegarnnurYj;nustaenrWgjfskv.140.gr.eerveittskuludreifingaraWilar,auk wO  upplUsingaskv.6.gr.,fupplUsingarumYekkinguogreynsluviWskiptavinaraffjr B  festingumsemmliskiptavegnaYeirrarvtryggingatengdufjrfestingarafurWareWa    Yj;nustusemumrWir.UpplUsingarsemdreifingaraWilaraflaskulugeraYeimkleiftaW   metahvortafurWertilhlUWileg.XegarvtryggingerboWinmeWannarrivrueWaYj;nustu {  skv.9.gr.skalmetahvortheildarpakkinnertilhlUWilegurtfrYrfumviWskiptavinar.nF "i0J"  i0J^72g  b  .3  Ԉ0    ݀2.mgr.orWastsvo:i0J^77݌9 Ќ  0  0   v DreifingaraWiliskalvaraviWskiptavinviWefhanntelurafurWekkiveratilhlUWilega.  HeimilteraWveitaslkaviWvrunstWluWuformi. 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"i0J"  i0JG<2g  d  .3  Ԉ0    FyrirsgngreinarinnarorWastsvo:MattilhlUWileika.i0JG<t<݌i Ќ  K|    K|k=  57.gr.K|k==݌ ' Ќ     EftirfarandibreytingarverWa140.gr.glaganna:  ! !"i0J"  i0Ju>2g  a  .3  Ԉ0    0staWorWanna?veitaviWskiptavinisamanteknarupplUsingar 3.mgr.kemur:afhenda  viWskiptaviniyfirlUsinguummathfi.i0Ju>>݌`  Ќ  "i0J"  i0J?2g  b  .3  Ԉ0    0staWorWanna?veitaupplUsingarfyrirsamningsgerWmveitasamanteknuupplUsing S+! arnar 1.mlsl.4.mgr.kemur:afhendayfirlUsingunafyrirsamningsgerWmafhenda " hana.i0J?+@݌# Ќ  "i0J"  i0JA2g  c  .3  Ԉ0    0staWorWsins?upplUsingarnar bliW4.mgr.kemur:yfirlUsingunaafhenta.i0JAA݌ $ Ќ  "i0J"  i0JC2g  d  .3  Ԉ0    0staWorWanna?YarfagreiningergerW 5.mgr.kemur:mathfierframkvmt.i0JC@C݌!W% Ќ  "i0J"  i0JUD2g  e  .3  Ԉ0    ViW5.mgr.btistnUrmlsliWur,svohlj;Wandi:EndurskoWaWmathfiskaltilgreina J""& uppfrWayfirlUsinguummathfivtryggingatengdufjrfestingarafurWarinnarmeW #' hliWsj;nafkrfumogmarkmiWumviWskiptavinarins.i0JUDD݌#( Ќ  K|    K|dF  58.gr.K|dFF݌ v%N!* Ќ     140.gr.hlagannafellurbrott. A&"+    '", K|    K|VG  &   59.gr.K|VG}G݌ ( Ќ     EftirfarandibreytingarverWa1.mgr.145.gr.blaganna:'(G  ! !"i0J"  i0JH2g  a  .3  Ԉ0    eftir3.tlul.komatveirnUirtluliWir,svohlj;Wandi:i0JHH݌ Ќ  ! !"m"  mI0  0ww 2g  4  .3  Ԉ0v  6.gr.aumrWgjf.mIJ݌avv Ќ  "m"  mJ0  0ww 2g  5  .3  Ԉ0v  6.gr.bumrWgjfsembyggisthlutlausriogpers;nulegrigreiningu.mJK݌T,vv Ќ  "i0J"  i0JCL2g  b  .3  Ԉ0    ViW8.tlul.btist:sbr.4.mgr.3.gr.og4.!12.gr.reglugerWar(ESB)2017/2358,sbr.  3.gr.a.i0JCLpL݌ Ќ  "i0J"  i0JM2g  c  .3  Ԉ0    ViW9.tlul.btist:sbr.4.gr.reglugerWar(ESB)2017/2359,sbr.3.gr.a.i0JMM݌  Ќ  "i0J"  i0JN2g  d  .3  Ԉ0    ViW10.tlul.btist:sbr.3.gr.og5.!8.gr.reglugerWar(ESB)2017/2359,sbr.3.gr.a.i0JNN݌ X Ќ  "i0J"  i0JP2g  e  .3  Ԉ0    12.tlul.orWastsvo:140.gr.eummathfi,sbr.9.!14.gr.og17.gr.reglugerWar K #  (ESB)2017/2359,sbr.3.gr.a.i0JP>P݌   Ќ  "i0J"  i0JQ2g  f  .3  Ԉ0    13.tlul.orWastsvo:140.gr.fummattilhlUWileika,sbr.15.og17.gr.reglugerWar    (ESB)2017/2359,sbr.3.gr.a.i0JQQ݌  Ќ  "i0J"  i0JR2g  g  .3  Ԉ0    ViW14.tlul.btist:sbr.18.og19.gr.reglugerWar(ESB)2017/2359,sbr.3.gr.a.i0JR%S݌wO  Ќ  O|    O|2T  IV.KAFLIO|2TYT݌    Ќ   N     NT  BreytinglgumumviWb;tareftirlitmeWfjrmlasamsteypum,nr.61/2017.NTT݌   Ќ    K|    K|U  60.gr.K|UU݌ {  Ќ     1.tlul.2.gr.lagannaorWastsvo:EftirlitsskylduraWili:Lnastofnun,vtryggingaflag, nF verWbrfafyrirtki,rekstrarflagverWbrfasj;WaeWarekstraraWilisrhfWrasj;Wa. 9 K|    K|GW  K|GWnW݌̌   K|    K|W  & a 61.gr.K|WW݌  Ќ     ViW2.mgr.23.gr.lagannabtistnUrstafliWur,svohlj;Wandi:fyrirkomulagsemtlaWer r aWstuWlaaWogYr;a,efnauWsynkrefur,'aXԀfullngjandirWstafanirvegnaendurreisnarogskila e= meWferWar,Y.m.t.umendurb;taogskilatlanir;slktfyrirkomulagskaluppfrareglulega. 0 K|    K|Z  62.gr.K|Z(Z݌  Ќ     ViW27.gr.lagannabtistnUmlsgrein,svohlj;Wandi: i   FjrmlaeftirlitiWskaleigasamstarfviWsameiginleganefndevr;pskueftirlitsstofnananna \4 vegnaframkvmdarlagaYessara.FjrmlaeftirlitiWskalntafarveitasameiginlegunefnd ' inniYrupplUsingarsemhntelurnauWsynlegartilaWgetaframfylgtskyldumsnumskv.  35.gr.reglugerWa(ESB)nr.1093/2010,nr.1094/2010ognr.1095/2010,sbr.lgumevr  ;pskteftirlitskerfifjrmlamarkaWi.EfFjrmlaeftirlitiWereftirlitsstj;rnvaldsamsteypu `  skalYaWveitasameiginlegunefndinnimikilvgarupplUsingarskv.2.mgr. S+! K|    K|]  63.gr.K|]]݌ # Ќ     eftir2.mgr.31.gr.lagannakemurnUmlsgrein,svohlj;Wandi:  $   Srhverteftirlitsstj;rnvald,Y.m.t.FjrmlaeftirlitiWsYaWekkieftirlitsstj;rnvaldsam !W% steypu,geturvsaWkvrWuneftirlitsstj;rnvaldssamsteypusemtekinersamrmiviW1. J""& mgr.tilevr;pskueftirlitsstofnanannaeWaEftirlitsstofnunarEFTAsamrmiviW19.gr. #' reglugerWa(ESB)nr.1093/2010,nr.1094/2010ognr.1095/2010,eftirYvsemviW,sbr. #( lgumevr;pskteftirlitskerfifjrmlamarkaWi. $ )   v%N!* O|    O| a  & ,  V.KAFLIO| aGa݌ ( Ќ   N     Na  Breytinglgumumfjrmlafyrirtki,nr.161/2002.Naa݌  Ќ    K|    K|b  64.gr.K|bb݌  Ќ     1.mlsl.5.mgr.52.gr.lagannaorWastsvo:',(faԀSeWlabanki0slandsseturnnarireglurum a hfisskilyrWistj;rnarmannaogframkvmdastj;ra,YarmeWalumhvaWfelstfullngjandi T, Yekkingu,hfniogreynslu,g;WuorWsporiogfjrhagslegusjlfstWi,ogumhvernigstaWiW  skuliaWhfismati.  K|    K|d  65.gr.K|d e݌  X Ќ     LgYessiWlastYegargildi.