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X X  LgYessiWlastgildi1.janar2003ogtakatiltj;nsatvikasemverWaeftirYanntma.'a *X P #    ViWgildistkulagannaverWureftirfarandibreytingskaWab;talgum,nr.5019.ma1993:      eftirorWunum?lgumumsjklingatryggingu 3.mlsl.4.mgr.5.gr.lagannakemur:    oglgumumlyfjatj;nstryggingu.   @#dggGreinargerW.#ggdyZԈ G    FrumvarpiWsemhrerlagtframskirfyrirmyndsnatilDanmerkur,enYarhafafrrinu   1995veriWgildisrstklgumtj;nafvldumlyfja.125.lggjafarYingivorusamYykkt   lgumsjklingatryggingu.TilgangurYeirralagavaraWtryggjasjklingumsembWaheilsu {  tj;nvegnafallatengslumviWlknismeWferWo.fl.vWtkarirttb;tumenYeireigasam sF kvmtalmennumskaWab;tareglumogjafnframtaWgeraYeimauWveldaraaWnrttisnum. > Lgumsjklingatryggingutakahinsvegarekkitiltj;nsafvldumskaWlegraeiginleikalyfja   semnotuWeruviWranns;knireWaviWsjkd;mum,sbr.1.gr.,sbr.3.mgr.3.gr.laganna.Slkt  tj;nfelluralmenntundirlgumskaWsemisbyrgW.XrttfyriraWlgumsjklingatryggingu r takialmenntekkitillyfjatj;nshindrarYaWekkib;tarttY;ttlyfsmeWorsktj;nsefskilyrWi j= b;taskyldusamkvmtlgunumeruannaWborWfyrirhendi.XrttfyrirYettagetakomiWupp 5 YauatvikYarsemlyfjatj;nverWurhvorkitaliWfallaundirlginumskaWsemisbyrgWnlgin  umsjklingatryggingu.AfYessaristWuogYeirriaWtryggjasjklingumsemverWafyrir  tj;nivegnaskaWlegraeiginleikalyfjavWtkarirttb;tum,meWsamahttioglginum i sjklingatryggingugera,erYettafrumvarplagtfram. a4   LagtertilaWlginnitilallrasemverWafyrirtj;niafvldumskaWlegraeiginleikalyfja , hrlandiaWuppfylltumnnartilteknumskilyrWum.LgintakajafnttillkamlegssemgeW  rnstj;ns.Xeireigaeinnigb;tarttsemvistasterlendusjkrahsivegumTryggingastofn  unarrkisinsogverWafyrirtj;niYarvegnaskaWlegraeiginleikalyfja.XeirsemtakaYtt `  klnskumlyfjapr;funumeigarttb;tumsamkvmtlgunumefYeirverWafyrirtj;niog X+! einsYeirsemgefalkamsvef,lffri,bl;WeWaannanlkamsvkvaogverWafyrirtj;niafvld #" umskaWlegraeiginleikalyfjatengslumviWYmeWferW.XergertrWfyriraWYeirsemhafa # meWhndumumnnuneWahjkrunsjklingaogverWafyrirtj;niafvldumskaWlegraeigin  $ leikalyfjanj;tib;tarttar. !W%   B;tabyrgWsamkvmtfrumvarpinuereWlisnuskaWsemisbyrgWmeWsamahttiog O""& lgumumskaWsemisbyrgW,nr.25/1991.FrumvarpiWgerirY;rWfyrirvWtkarib;tartti #' aWYvleytiaWtj;nafvldumaukaverkanaerb;taskyltaWkveWnumskilyrWumuppfylltum, #( sbr.5.gr.frumvarpsins.XaWleiWirafYvaWhrerumskaWsemisbyrgWaWrWaaWtj;nsem $ ) rekjamtilmistakaeWavanrkslutengslumviWvsunlyfseWaafhendingueWaaWlyfhefur {%N!* ekkitiltluWhrifsjklingeWalyfertekiWinnranganhttfellurekkiundirlgin,sbr.4. F&"+ gr. '",   B;taskyldiraWilarsamkvmtfrumvarpinueruframleiWendurogdreifingaraWilarlyfjasem '#-  tj;nivalda.XettaersamrmiviWlginumskaWsemisbyrgWYarsemframleiWendurog (z$. dreifingaraWilarvru&   semtj;niveldurberabyrgWina.TilnnariskilgreiningarYvhvertelj - istframleiWandiog'-UjԀhverdreifingaraWiliervsaWtil4.gr.lagaumskaWsemisbyrgW.    0frumvarpinuerlagttilaWllumsemframleiWalyfhrlandieWadreifaYeimverWigert  skyltaWkaupavtryggingu(lyfjatj;nstryggingu)hjvtryggingaflagisemhefurstarfsleyfi a hrlandi.UndantekningergerWfrYessuYegarumeraWrWaframleiWendureWadreifing Y, araWilasemrkiWaWfullu.GerterrWfyriraWTryggingastofnunrkisinsannistlyfjatj;ns $ trygginguYessaraaWila,sbr.20.gr.    AthugasemdirviWeinstakargreinarfrumvarpsins.  X Um1.gr. P #  m  0greininnikomaframmeginreglurumYaWtilhverralgintaka.Samkvmtfrumvarpinu    nrtryggingintilallrasemverWafyrirtj;nivegnaskaWlegraeiginleikalyfjaaWuppfylltum    nnariskilyrWumlaganna.NefndskilyrWikomaeinkumfram2.!6.gr.     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XgetaYeirsemhafameWhndumumnnuneWahjkrunsjklingaWlastb;tarttsam  kvmtfrumvarpinuefYeirverWafyrirtj;niafvldumskaWlegraeiginleikalyfjasemYeir r meWhndlastarfisnu. j=   Um2.gr.      0greininnikemurframtakmrkunb;tarttisamkvmtfrumvarpinu.Samkvmthenni  takalginaWeinstillyfjasemdreifterhrlandisamrmiviWkvWilyfjalagatilnotkunar i eWatilklnskralyfjaranns;kna. a4   Tj;nafvldumlyfjasemkeypteruerlendisfallaekkiundirlgin,jafnvelY;ttYeimhafi , veriWvsaWaflkni,YaugefinsjkrahsieWakeyptap;teki.XaWerjafnframtskilyrWifyr  irb;taskylduaWlyfhafiveriWafhentap;tekieWasjkrahsieWaaflknieWastj;rnanda  ranns;knar,sbr.3.mgr.1.gr.EkkiergerWkrafaumaWlyfsafhentaflknieWastj;rnanda `  orWsinsfyllstumerkinguheldurergertrWfyriraWn;gsaWYaWsgertumboWihans.X X+! ergerWurfyrirvarivarWandiaWrasemsamkvmtlandslgumhverjumtmahafaheimildtil #" aWafhendalyf. #   XegarlyfseWilsskyldlyfvaldatj;nierb;tabyrgWsamkvmtlgunumtakmrkuWviWaW  $ tj;nYolihafifengiWlyfiWsamkvmtfyrirmlumlknis,Y.m.t.tannlknis. !W%   Um3.gr. #'     0greininnierskilgreinthvaWteljistlyfsamkvmtfrumvarpinu.GerterrWfyriraWlyftelj #( istvrursemtlaWeraWfyrirbyggja,lina,meWhndlaeWalknasjkd;maeWasjkd;msein $ ) kenniogsrsaukaeWahafahriflkamsstarfsemi.UmnnariskilgreininguervsaWtil5.gr. {%N!* lyfjalagaYegarmetaskalhvortvarateljistlyfskilningilagannaeWaekki. F&"+   02.!5.mgr.komaframnnaritlistanirYvhvaWalyfmunifallaundirlgin.0fyrstalagi '", takalgintillyfjasemLyfjastofnunhefurveittleyfitilaWmarkaWssetjaogseljagegnlyfseWli '#- hrlandi.EfumeraWrWalyfsemunniWeraWranns;knumverWuraWliggjafyrirsrstakt (z$. leyfiLyfjastofnunartilYeirrarranns;knar,samkvmtkvWumlyfjalaga.0Wrulagitaka r)E%/ b     lgintillyfjasemselderunlyfseWilsenfengisthefurmarkaWsleyfifyrirhrlandi.0YriWja - lagitakalgintilsvokallaWraforskriftarlyfjaog;skrWralyfjasemLyfjastofnunhefurleyft  innflutning.Lgingildaekkiumtj;nsemverWurvegnamistakaviWblndunforskriftarlyfja  lyfjabWum.B;tabyrgWvegnaslkstj;nsfereftiralmennumreglumskaWab;tarttar.0 a fj;rWalagiersrstaklegatekiWframaWnttrulyf,efnitilsmskammtalkninga,vtamno.fl. Y, falliekkiundirlgin.RtteraWgetaYessaWYettaerekkitmandiupptalningheldurgeta $ fleirilyffalliWundirlginefYauannaWborWuppfyllaskilyrWi1.mgr.greinarinnar.    06.mgr.ergertrWfyriraWrWherragetikveWiWnnarumYaWreglugerWhvaWalyffalli   undirlgin.  X   Um4.gr.      0greininniertekiWafskariWumYaWaWtj;nsem;beinanhttmrekjatilnotkunarlyfs    falliekkiinnangildissviWsfrumvarpsins.     SamkvmtaliWfellurYaWutangildissviWsfrumvarpsinseftj;nverWurafYeimskumaW |O  lyfhefurekkitiltlaWaverkunsjkling.Lyfskilafstumtilvikum100%rangriheldur G  erYaWiWulegasvoaWY;ttlyfvirkivelflestasjklingaeroftastkveWiWpr;sentuhlutfall   semlyfiWvirkarverreWaallsekki.EkkiereWlilegtaWvarpabyrgWframleiWendureWa   dreifingaraWilavegnaYessa. {    SamkvmtbliWfellurYaWutangildissviWsfrumvarpsinseftj;nmrekjatilvanrkslueWa sF mistakatengslumviWvsunlyfseWaafhendingu.SemdmiumYettamnefnaaWlknir > vsarrngulyfieWarangtlyferafgreittap;teki.LgumYessumerekkitlaWaWtaka   atvikumsemYessum.    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Um5.gr. a4     0greininnikemurframaWtj;nafvldumaukaverkanalyfjafallaundirgildissviWfrum , varpsinsefYreruumframYaWsemsennilegtogfyrirsjanlegtgattalist.Samkvmtgrein  inniYettaviWhvortsemumeraWrWaYekktareWa;YekktaraukaverkanireWahvortauka  verkuntelstlklegeWaekki.02.mgr.erusWansettframviWmiWunarsj;narmiWsemnotaskal `  viWmatYvhvortaukaverkunteljistYaWalvarlegaWhnsumframYaWsemsennilegtog X+! fyrirsjanlegtgattalist. #"   FlestlyfhafafrmeWsreinhverjaraukaverkanirogalmennareglanersaWtj;naf # vldumYeirrafalliekkiundirgildissviWfrumvarpsins.RttYykirhinsvegaraWfellaundir  $ frumvarpiWtj;nafvldumaukaverkanasemerumframYaWsemsennilegtogfyrirsjanlegt !W% geturtalistmeWtillititilallraaWstWna. O""&   03.mgr.errWherrasWanveittheimildtilaWtfrannarhvaWatj;nafvldumlyfjafalla #' undirlgin. #(   Um& , 6.gr. {%N!*     0greininnikemurframaWtj;nsaWeinsbttaWYaWteljistlklegtaWtj;nmegirekjatil F&"+ lyfjanotkunar.MeWYessukvWierveriWaWrttaaWhinalmennuskilyrWiskaWab;tarttar '", umorsakatengslogsennilegaafleiWinguverWi',{%aWveratilstaWartilaWb;tartturstofnist. '#-  (z$.   Um7.gr. -     01.mgr.kemurframaWumkvrWunb;tafjrhWarskulifaraeftirskaWab;talgunumog  kvWumII.kaflafrumvarpsins.    02.mgr.kemurframtakmrkunrttitilb;ta,ensamkvmtgreininnifYeirengarbtur a semverWafyrirminnatj;niennemur50Ys.kr.XykireWlilegtaWtj;nYolarberieinhverja Y, eiginhttuYessumefnum.XaukasterfiWleikarviWaWmetatj;nogskiljamillib;ta $ skyldratj;naogannarraYegarummjgsmvgilegtj;neraWrWaogYvliggjahrkveWin  hagkvmnisrkaWbaki.Faritj;nframrlgmarkinuskalbtaYaWuppaW5millj.kr.n   YessaWdragalgmarkiWfr.  X   03.mgr.erlagttilaWheilbrigWirmennsembWaheilsutj;naflknisfrWilegumtilraunum P #  eWaviWYaWaWgefavefi,lffrieWalkamsvkvanj;tisrstWuYannigaWb;tartturYeirra    sekkihWurskerWingarkvWum2.mgr.      Af4.mgr.leiWiraWeinungisYeirsemverWafyrirtj;nieWabWatj;nviWandltframfr   andagetattrttb;tumsamkvmtlgunum.Lyfjatj;nstrygginggreiWirekkiendurkrfu |O  afhlfuaWilaseminnthefurafhendibturvegnatj;nsatvikssemlgintakatil.Xettahefur G  m.a.YauhrifaWvinnuveitandisemhefurgreitttj;nYolalgogsamningsbundiWkaupveik   indaeWaslysaforfllumgeturekkikrafistgreiWslurlyfjatj;nstrygginguvegnaYeirrat   gjalda. {    Um8.gr. >     0greininnierlagttilaWgirtverWifyriraWvtryggingaflg,eWaeftiratvikumTrygginga   stofnun,getiendurkrafiWlknieWaannansemkannaWvaldatj;niafgleysi,jafnvelY;tt  st;rfellts.MeWYessuervikiWfralmennumrttarreglum.RkinaWbakireglusemYessari r eruaWhugsanlegagti;ttiheilbrigWisstarfsmannaviWskaWab;takrfureinhverjumtilvikum j= spillteWatafiWfyrirranns;knorskumtj;ns.XykirnauWsynlegtaWtryggjasembestaWhlut 5 aWeigandiveitifslegaupplUsingarogaWstoWviWranns;knmlsatvika.    Fullurendurkrfurtturerjafnanfyrirhendiefleitterlj;saWtj;nihafiveriWvaldiWaf  setningi. i   Um9.gr. ,     0greininnierkveWiWumheimildtilaWlkkaeWafellaniWurbtureftj;nYoliermeW  valduraWtj;niafsetningieWast;rkostlegugleysi.VenjulegteWaeinfaltgleysihefurengin  hrifb;tartttj;nYola,enYaWersamrmiviWalmennarreglurlagaumvtryggingarsamn `  ingaoglagaumalmannatryggingar.AlmennarreglurskaWab;tarttarumeiginsktj;nYola X+! eruhinsvegarstrangarigarWtj;nYolaYvaWeftirYeimgetureinfaltgleysihansoftleitttil #" skerWingarb;tarttar. #   Um10.gr. !W%     0greininnikemurframaWYaWsuframleiWendurogdreifingaraWilarYeirralyfjasemtj;ni O""& valdasemberabyrgWinasamkvmtfrumvarpinu.byrgWYessaraaWilaer;skipt.VsaWer #' til4.gr.lagaumskaWsemisbyrgWumskilgreininguhugtkunumframleiWandiogdreifing #( araWili. $ )   Um11.og12.gr. F&"+     011.gr.ermltfyrirumskyldub;taskyldra,sbr.10.gr.,tilaWkaupavtryggingu(lyfja '", tj;nstryggingu)hjvtryggingaflagisemmrekavtryggingastarfsemihrlandi,sbr.lg '#- umvtryggingastarfsemi.GerterrWfyriraWheilbrigWisrWherrasetjimeWreglugerWkvWi (z$. umlgmarkvtryggingarfjrhWarinnanhversvtryggingarrsogframkvmdvtryggingar - skyldunnar.    012.gr.ersWangertrWfyrirYvaWframleiWendurogdreifingaraWilarsemrkiWaWfullu  suundanYegnirvtryggingarskylduskv.11.gr.,Y;ttYeimsheimiltaWkaupavtryggingu a efYeirkj;saaWgeraslkt. Y,   Um13.gr.  n  0greininnikemurframnUyrWislenskulagamli,?h;ptj;n .MeWh;ptj;nierttviWlyfja   tj;nsemfleirieneinnverWafyrirogorsakastafsamaeiginleikasamaefniseinueWafleiri  X lyfjumogstafarafaukaverkunumsemekkivoruYekktareWagalla,&  sbr.aogbliW1.mgr.'P  P #    02.mgr.ertekiWframaWh;ptj;nteljisttilYessrsYegarfyrstab;takrafankemurframviW    vtryggingaflageWaTryggingastofnun.XettaskiptirmliYegarlitiWertil1.mgr.14.gr.    frumvarpsins.     Um14.gr. G      0greininnierkveWiWumhmarkb;tafjrhWasamkvmtlgunum.NauWsynlegtertaliW   aWsetjaeitthverthmarkbturvegnaskaWsemistj;na.Slktj;ngetaeWlisnuorWiWmjg   st;rogumfangsmikil.SkaWlegureiginleikieinhverjutilteknulyfigeturbitnaWfjlda {  mannsogreiknaWtj;ngeturnumiWhumupphWum.XettagtiorWiWtilYessaWiWgjld sF tryggingayrWu;eWlilegahogillviWrWanlegfyrirb;taogvtryggingarskyldaaWila.Rtter > aWtakaYaWframaWYessarhmarksbturtakmarkaekkirtttilb;tarhendiframleiWenda   ogdreifingaraWilaeftiralmennumreglumskaWab;tarttaroglgumumskaWsemisbyrgW,en  YessmgetaaWYarereinnigaWfinnakvWiumhmarksbturvegnatj;nasemverWavegna r samagallasmuvru. j=   Um15.gr.      0greininniergertrWfyriraWefYrupphWirsemtilgreindareru14.gr.ngjaekkitil  aWfullngjallumkrfumskuliskerWaYrhlutfallslega.XettaY;einungisviWum;greidd i arbturogYvlj;staWYeirsemfengiWhafabturgreiddarverWaekkiendurkrafnirumYr. a4 RttertakaframaWbturfallaekkiniWurY;ttYrskerWistniWurfyrir50Ys.kr.markiWskv. , 2.mgr.7.gr.endaervirttj;n50Ys.kr.eWahrra.TilaWminnkalkur;sanngjarnri  niWurstWuervtryggingaflagieWaTryggingastofnunrkisinsheimiltaWfrestagreiWslub;ta  aWhlutaefsUntYykiraWskerWingsnauWsynleg.Lj;steraWkvWi14.og15.gr.getaleitt `  til;sanngjarnarniWurstWuenrtteraWtrekaaWaWrarb;taleiWirstandaeftirsemWuropnar X+! fyrirYsemekkiffullarbtur. #"   Um16.gr.  $     01.mgr.kemurframaWaWsvomikluleytisemtj;nYolieWaeftirlifandiaWstandendurhans !W% hafifengiWbtureWaeigarttYeimsamkvmtlgunumsekkihgtaWkrefjaaWraum O""& btursemhugsanlegaberibyrgWtj;ninusamkvmtreglumskaWab;tarttarins.kvWi #' YettafelursraWeigimennannaWborWrttb;tumsamkvmtlgunumberiYeimaW #( skjaYrbturWurenkrafaerhfWupphendurWrumsemhugsanlegaberaskaWab;ta $ ) byrgWtj;ninu.FistekkifullarbturmeWYeimhttieraWsjlfsgWuheimiltaWskjaYr {%N!* tilannarraskaWab;taskyldraaWila. F&"+   02.mgr.kemurframaWregla1.mgr.eigiekkiviWYegarskaWab;tabyrgWertilstaWar '", samkvmtlgumumskaWsemisbyrgW.XettaYUWirraunaWefbyrgWertilstaWarbWisam '#- kvmtYessumlgumoglgumumskaWsemisbyrgWhafitj;nYolivalumYaWhvorumlg (z$. unumhannbyggirb;takrfusna.MunauWveldaraog;dUraraverWuraWskjabturgrund - vellilyfjatj;nstryggingareffrumvarpYettaverWuraWlgumogmYvgerarWfyriraWmenn  veljialmenntYannkostinnefbWirstandatilboWa.    & , Um17.gr. Y,     0greininnikemurframaWaWsvomikluleytisemrkiWgreiWirbtursamrmikvWi $ frumvarpsinsWlistYaWframkrfuhendurframleiWandaeWadreifingaraWilaviWkomandi  lyfs,samrmiviWkvWi3.mgr.11.g',Ykr.lagaumskaWsemisbyrgW.Framkrfurtturinner   bundinnviWYauatviksemkomafram3.mgr.11.gr.lagaumskaWsemisbyrgW.  X   Um18.og19.gr.        018.og19.gr.erfjallaWummeWferWb;takrafnavegnalyfjatj;nstryggingar.MeWferWin    ermismunandieftirYvhvortb;taskylduraWilihefurkeyptvtryggingueWaekki.     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