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O""&     0YessarigreinerlagttilaWalmennttryggingagjald,hvortsemeralmennumgjaldflokkieWasrstkumgjaldflokki,lkkiumalltaW0,2%afgjaldstofniendaverWiYeimhlutavariWsemm;tframlagviWlfeyrissparnaWlaunamannsgrundvelliII.ogIII.kaflalaganr.129/1997.LaunagreiWandaverWurskyltaWlkkatryggingagjaldiWumalltaW0,2%afgjaldstofnieflaunamaWur;skareftirYvmeWvsantilsamningsum_viWb;tartryggingavernd_ԀviWvrsluaWilalfeyrisrttindaskv.3.mgr.8.gr.laganr.129/1997,grundvelliiWgjaldssemhannkvarWaroghefurbeinanrWstfunarrttyfir.HafilaunamaWurmeWWrumorWumsamning '#- um_viWb;tarlfeyrissparnaW_Ԁog;skareftirYvviWlaunagreiWandaaWhannleggitilm;tframlagskallaunagreiWandiverWaviWYeirribeiWnioglkkatrygginagjaldiWumalltaW0,2%afgjaldstofniYessogltaYannhlutarennasemm;tframlagsittinn_sparnaWarreikning_Ԁlaunamannsins.AlltaW0,2%afgjaldstofnitryggingagjaldshefurYYUWinguaWm;tframlaglaunagreiWandarWstafYvhversuhtthlutfallafiWgjaldsstofnilaunamaWurgreiWirsemiWgjaldviWb;tarlfeyrissparnaW.EfsparnaWurinneraWeins1%afiWgjaldsstofniskaltryggingagjaldiWlkkaum0,1%afgjaldstofniYess.M;tframlaglaunagreiWandaerYvvalltbundiWviWaWvera10%afsparnaWilaunamannsins.XannigertryggtjafnrWimillilaunamanna,Y.e.lgbundiWm;tframlagervalltkveWiWhlutfallafsparnaWilaunamanns.samahttersettYakhversumikiWlaunagreiWandigeturlkkaWtryggingagjaldiWoggreittsemm;tframlagvegnasparnaWarlaunamanns.Lkkuntryggingagjaldsvegnam;tframlagslaunagreiWandageturaldreiorWiWmeirien0,2%afgjaldstofnitryggingagjaldsY;aWlfeyrissparnaWurlaunamannssumfram2%afiWgjaldsstofni.  02.mgr.ersettYaWskilyrWifyrirlkkuntryggingagjaldsaWm;tframlagiWsinntafhendiumleiWogsparnaWurerdreginnaflaunumlaunamannsogrWstafaWtilvrsluaWilalfeyrisrttinda.XannigertryggtaWm;tframlaggreiWisteinungisYeimtilvikumYegarsparaWerogrttuhlutfalliviWlfeyrissparnaWlaunamanns.  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