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" @w w MrkviWaWrastarfsemi. #   VtryggingaflagmekkirekaaWrastarfsemienvtryggingastarfseminemaannaWleiWi  $ afkvWum13.gr. !W%   VtryggingaflagtelstrekaaWrastarfsemienvtryggingastarfsemiefflagiWhefuryfir J""& rW,eittsreWasamtWruvtryggingaflagi,flagisemrekuraWrastarfsemienvtrygg #' ingastarfsemi.XegarumflagasamstWueraWrWaeWavtryggingaflgbeinumeWa #( ;beinumrekstrarlegumtengslumviWnnurflgogm;WurflagiWerekkivtryggingaflag $ ) skalYessusambandilitiWvtryggingaflginsemeittflag. v%N!*   XrttfyrirkvWi1.og2.mgr.ervtryggingaflagiheimiltaWrekaviWskiptabankaeWa A&"+ aWrafjrmlastarfsemisrstkuflagi,endasstarfseminhWstarfsleyfiogeftirlitiopin  '", berraaWila. '#-   & a VtryggingaflagmekkitakasigbyrgWirsemekkieruvtryggingar.Xver;heimilt ( aWtakasigskuldbindingarsemekkierutengslumviWeWlileganreksturvtryggingaflags.  'a(@!12.gr. a   LftryggingastarfsemimekkirekameWannarrifrumtryggingastarfsemi.X;mveita T, lftryggingaflagistarfsleyfislysa-ogsjkratryggingum.  @!13.gr.     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Stofnunvtryggingaflags. r կ  AWWruleytiengreinirYessumkaflagildakvWiII.kaflalagaumhlutaflg,nr. e= 2/1995,meWsWaribreytingum,umstofnunvtryggingaflags. 0 @!15.gr.  @Stofnsamningur. i   0stofnsamningivtryggingaflagsskaleftirfarandikomafram: \4 ! ! q(#33q"i(m"  i(m2#  1  .3  Ԉ0    Nfnogheimilisfngstofnenda.i(m݌' Ќ  "i(m"  i(mݳ2#  2  .3  Ԉ0    HvemikiWskuligreiWafyrirhvernhlutflaginu.i(mݳ ݌ Ќ  "i(m"  i(m2#  3  .3  Ԉ0    FrestirsemkunnaaWveraveittirtilskriftaraWhlutumogtilgreiWsluYeirra.i(m݌ Ќ  "i(m"  i(m+2#  4  .3  Ԉ0    Regluruminnborgunhlutafjr.i(m+X݌`  Ќ  "i(m"  i(m%2#  5  .3  Ԉ0    kvarWanirumaWstofnendureWaaWrirskulinj;tasrstakrarttindaeWahlunninda S+! flaginu.i(m%R݌" Ќ  "i(m"  i(m2#  6  .3  Ԉ0    kvarWanirumaWgertskulisamkomulagviWstofnendureWaaWrasemhefWifrmeW # srverulegarfjrskuldbindingarfyrirflagiW.i(m݌ $ Ќ  "i(m"  i(m2#  7  .3  Ԉ0    kvarWanirumaWflagiWtakiviWverWmtumsemekkiergreittfyrirmeWhlutum !W% flaginu.i(mB݌J""& Ќ  "i(m"  i(mu2#  8  .3  Ԉ0    HvenrhaldaskulistofnfundoghvernigtilhansskuliboWaWnemaYaWleiWiafkvW #' umhlutaflagalagaaWfundurYessiverWihaldinnnsrstakrarboWunar.i(mu݌#( Ќ  "i(m"  i(m 2#  9  .3  Ԉ0    HvortflagiWskuliberakostnaWviWstofnuninaog,efsvoer,hversuhrskostnaWur $ ) megivera.KostnaWurYessimekkifarayfir5%afskrWuhlutafYegarfrerutalin v%N!* opinbertgjldogkostnaWurviWmatsgerW,sbr.16.gr.FjrmlaeftirlitiWgeturveitt A&"+ undanYgufrhmarkistofnkostnaWar.EkkimgreiWastofnendumY;knunvegnastofn  '", unarinnar.i(m M݌'#- Ќ    0stofnsamningiskalgerWgreinfyrirYeimatriWumsemnauWsynlegeruogmliskiptatil ( YessaWunntsaWmetatilfjrYauverWmtierflagiWhyggsttakaviW.  & a   SstofnaWtilflagsinsmeWYaWfyriraugumaWyfirtakavtryggingastarfsemieWavtrygg  ingastofnannarsvtryggingaflagsskalYessgetiWstofnsamningiogYaWtekiWframhvort a 'asamningsdrgumyfirfrsluvtryggingastofnshafiveriWgerWogumfjllunFjrmlaeftir T, litsinsliggifyrir,sbr.XI.kafla.    Skjl,semhafaaWgeymamikilvgefnisatriWisemekkikomaframstofnsamningi,skulu  festviWhannogteljasthlutistofnsamningsins.     AllirsamningarumatriWi,semfjallaWerumstofnsamningienvoruekkisamYykktviW  X gerWhans,eru;gildirgagnvartflaginu. K #  @!16.gr.      HlutirskulugreiddirreiWuf.     FjrmlaeftirlitiWgeturveittheimildtilaWgreiWslafariframmeWWrumhtti,endaliggi wO  fyrirmatsgerWsemFjrmlaeftirlitiWsamYykkir. B    TeljiFjrmlaeftirlitiWstWutilaWtlaaWverWmtiframlagahafibreystfrYvaW    matsgerWvarframkvmdogstofnfundurerhaldinngeturYaWkrafistyfirlUsingarmatsmanna   umverWmtiWeWanUrrarmatsgerWar. {  @!17.gr. 9   AukYeirrakvWasemlgumhlutaflggerarWfyrirumsamYykktirhlutaflagsskulu  samYykktumvtryggingaflagseftirtalinatriWikomafram:  ! ! q(#33 q"i(m"  i(m2#  1  .3  Ԉ0    0hvaWamyntb;khaldflagsinsskulifrt,sbr.45.gr.,ogreikningsr.i(m݌r Ќ  "i(m"  i(m2#  2  .3  Ԉ0    RWstfuntekjuafgangsoghvernigmtaskalhalla.i(m݌e= Ќ  "i(m"  i(m2#  3  .3  Ԉ0    BthlutunarWsogg;Wahluta.i(m݌0 Ќ  "i(m"  i(m2#  4  .3  Ԉ0    HvernigrWstafamegieignumflagsinsoghvernigfaraskulimeWeignirYessviWf  lagsslit.i(m݌ Ќ    IV.KAFLI \4  Starfsleyfi.  ' 18.gr.  Starfsleyfisveitandi.  )  FjrmlaeftirlitiWveitirstarfsleyfisamkvmtlgumYessum.Vtryggingaflagierheimilt `  aWhefjastarfsemiYegarYaWhefurfengiWstarfsleyfiFjrmlaeftirlitsins. S+!   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Ums;knumstarfsleyfiskalveraskriflegogskalsendFjrmlaeftirlitinuinnansexmn  aWafrdagsetningustofnsamnings.EftirfarandiggnogupplUsingarskulufylgjaums;kn: a ! ! q(#30"i(m"  i(m>2#  1  .3  Ԉ0    Heitiflagsinsogflagsform.i(m>k݌T, Ќ  "i(m"  i(m82#  2  .3  Ԉ0    StaWfestendurritstofnsamningsogfundargerWarstofnfundarrfundargerWab;k.i(m8e݌ Ќ  "i(m"  i(mn2#  3  .3  Ԉ0    SkryfirstofnenduroghlutafogstaWfestingYvaWYaWsinnborgaW,hverjireigi  virkaneignarhlutflaginuoghvemikinnoggreinargerWumnnurnintengslsem   flagiWer.i(mn݌ X Ќ  "i(m"  i(mA2#  4  .3  Ԉ0    DrgaWsamYykktumtilstaWfestingar.i(mAn݌K #  Ќ  "i(m"  i(mK2#  5  .3  Ԉ0    GreinaflokkarvtryggingaeWavtryggingagreinarsems;tterumleyfifyrir,sbr.21.og    22.gr.i(mKx݌   Ќ  "i(m"  i(m2#  6  .3  Ԉ0    EfviW,skrumhliWarstarfsemisemflagiWhyggstreka,sbr.13.gr.i(m݌  Ќ  "i(m"  i(m2#  7  .3  Ԉ0    Srstktlunumstarfsemina,sbr.25.gr.i(m݌wO  Ќ  "i(m"  i(m2#  8  .3  Ԉ0    StaWfestingYessaWflagiWuppfyllikvWi34.gr.umlgmarksfjrhWir.i(m݌B  Ќ  "i(m"  i(m 2#  9  .3  Ԉ0    ReiknigrundvlluriWgjalda,iWgjaldasj;Ws,g;Wathlutunar,endurkaupsoggjaldfrjlsra    lftrygginga,reglurumupplUsingarsemlftryggingartakaberaWveitasamkvmt   kvWumXIII.kaflalagaumvtryggingarsamninga,nr.30/2004,oghliWstWggneftir {  YvsemviWumheilsutryggingarsemreknarerusamkvmttknilegumgrundvelli nF Yegars;tterumstarfsleyfiskv.22.gr.i(m 8݌9 Ќ  "i(m "  i(m222#  10  .3  Ԉ0    VtryggingaskilmlarlgboWinnavtryggingaogupplUsingarumYrtegundirpers;nu  tryggingasemflagiWhyggstbj;Wa.i(m ݌ Ќ  "i(m "  i(mY222#  11  .3  Ԉ0    StaWfestingaWildaWAlYj;WlegumbifreiWatryggingum0slandisf.ogYtttkustarf r semitj;nsuppgjrsmiWstWvarogupplUsingamiWstWvarss;ttumleyfiskv.10.tlul. e= 1.mgr.21.gr.JafnframtskalupplUstumtj;nsuppgjrsfulltraWrumaWildarrkjum.i(mY݌0 Ќ    ViWmatums;knumstarfsleyfipers;nutryggingumskalYessgttaWreiknigrundvllur  stryggurensanngjarngarWlftryggingartakaogrtthafa.Samagildirumreglurumg;Wa  hlutdeildogskiptinguhagnaWarogskulureglurYarumveraskUrarognkvmar.Vaxta i forsenduriWgjaldaogiWgjaldaskuldar,svoogkostnaWar-ogryggislag,skulukveWnarmeW \4 varfrnissj;narmiWhuga.IWgjldnUtryggingaskuluverangilegtilaWflagiWgetistaWiW ' viWskuldbindingarsnarnYessaWsrstkaukningeiginfjrreynistnauWsynleg.rr>    kvWigreinarYessarareigaviWumums;knumstarfsleyfiflagsmeWsrstakantilgang,  ums;knumstarfsleyfiendurtryggingumogums;knumstarfsleyfitakmrkuWumendur `  tryggingum,eftirYvsemviWgeturtt. S+! @!20.gr. # @O O StarfsleyfiflagsmeWsrstakantilgang.  $   FlagmeWsrstakantilganggeturstarfaWhrlandiaWfengnustarfsleyfiFjrmlaeftir !W% litsins,sbr.kvWi19.gr.,endauppfyllislktflagskilyrWireglumsemFjrmlaeftirlitiW J""& setur.0reglumFjrmlaeftirlitsinsskuluskilyrWikomaframumeftirfarandi: #' ! ! q(#33 q"i(m"  i(m2#  1  .3  Ԉ0    GildissviWstarfsleyfis.i(m݌#( Ќ  "i(m"  i(mx2#  2  .3  Ԉ0    LgboWinskilyrWisemskuluverallumtgefnumsamningum.i(mx݌$ ) Ќ  "i(m"  i(m2#  3  .3  Ԉ0    HfiYeirrasemrekaflagmeWsrstakantilgang.i(m݌v%N!* Ќ  "i(m"  i(m2#  4  .3  Ԉ0    KrfurumhfihluthafaeWavirkraeigenda.i(m݌A&"+ Ќ  "i(m"  i(m2#  5  .3  Ԉ0    Stj;rnunar-ogb;khaldsaWferWir,kerfifyririnnraeftirlitogkrfurumhttustUringu.i(m݌ '", Ќ  "i(m"  i(m2#  6  .3  Ԉ0    Reikningsskil,varfrniogtlulegarupplUsingar.i(m#݌'#- Ќ  "i(m"  i(m2#  7  .3  Ԉ0    GjaldYol.i(m3݌(z$. Ќ  & a   TeljiFjrmlaeftirlitiWstWutilaWsetjafrekariskilyrWifyrirstarfsemiflagsinsskulu ( Yaukomaframstarfsleyfi.  'a(@!21.gr. a @ StarfsleyfiskaWatryggingum. T,   StarfsleyfifrumtryggingumWrumenlftryggingum(skaWatryggingum)erbundiWviW  tilteknagreinaflokkavtryggingaeWavtryggingagreinarinnanYeirrasamkvmteftirfarandi  skr:   ! ! q(#33q"i(m"  i(m2#  1  .3  Ԉ0    Slysatryggingar(slys,vinnuslys,atvinnusjkd;mar):i(m)݌ X Ќ  "k;"  k;0  2#  a  .3  0  bturmeWfstumfjrhWum,k;<݌K #  Ќ  "k;"  k; 0  2#  b  .3  0  btureftirmatiafleiWingumtj;ns,k; :݌   Ќ  "k;"  k;0  2#  c  .3  0  bturmeWfstumfjrhWum/btureftirmatiafleiWingumtj;ns,k;B݌   Ќ  "k;"  k;>0  2#  d  .3  0  slysfarYegum.k;>k݌  Ќ  "i(m"  i(m.2#  2  .3  Ԉ0    Sjkratryggingar(veikindi,heilsutj;n):i(m.[݌wO  Ќ  "k;"  k;50  2#  a  .3  0  bturmeWfstumfjrhWum,k;5b݌B  Ќ  "k;"  k;30  2#  b  .3  0  btureftirmatiafleiWingumtj;ns,k;3`݌   Ќ  "k;"  k;;0  2#  c  .3  0  bturmeWfstumfjrhWum/btureftirmatiafleiWingumtj;ns.k;;h݌  Ќ  "i(m"  i(md2#  3  .3  Ԉ0    Hftryggingarkutkja.Eignatj;n,Y.m.t.altj;n:i(md݌{  Ќ  "k;"  k;|0  2#  a  .3  0  vlknnumkutkjumlandiWrumenjrnbrautum,k;|݌nF Ќ  "k;"  k;0  2#  b  .3  0  kutkjumtilnotkunarlandiWrumenvlknnumkutkjum.k;݌9 Ќ  "i(m"  i(m2#  4  .3  Ԉ0    Jrnbrautatryggingar.Eignatj;n,Y.m.t.altj;njrnbrautarvgnum.i(m݌ Ќ  "i(m"  i(m2#  5  .3  Ԉ0    Hftryggingarloftfara.Eignatj;n,Y.m.t.altj;nloftfrum.i(m݌ Ќ  "i(m"  i(m2#  6  .3  Ԉ0    Hftryggingarskipaogbta.Eignatj;n,Y.m.t.altj;n:i(m ݌r Ќ  "k;"  k; 0  2#  a  .3  0  sj;skipum,k; = ݌e= Ќ  "k;"  k; 0  2#  b  .3  0  vatnabtum,k; ' ݌0 Ќ  "k;"  k; 0  2#  c  .3  0  flj;ta-ogskjabtum.k;  ݌ Ќ  "i(m"  i(m 2#  7  .3  Ԉ0    Flutningatryggingar.Eignatj;n,Y.m.t.altj;nvrumogfarangriflutningintillitstil  hvernigflutter.i(m  ݌i Ќ  "i(m"  i(m?2#  8  .3  Ԉ0    Eignatryggingar(bruniognttrufl).Eignatj;n,Y.m.t.altj;n,annaWenskv.3.,4.,5., \4 6.og7.flokkivegna:i(m?l݌' Ќ  "k;"  k;0  2#  a  .3  0  elds,k;݌ Ќ  "k;"  k;0  2#  b  .3  0  sprengingar,k;݌ Ќ  "k;"  k;w0  2#  c  .3  0  ;veWurs,k;w݌`  Ќ  "k;"  k;b0  2#  d  .3  0  nttruaflaannarraen;veWurs,k;b݌S+! 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J""&   HafissemhyggsteignasteWaaukaviWvirkaneignarhluteigirWistYrfjrfestingar #' semhannhafWitilkynntFjrmlaeftirlitinuinnansexmnaWafrYvaWniWurstaWaYessskv. #( 6.mgr.lfyrirskalhanntilkynnaYvaWnUjuumfyrirhugaWafjrfestingusna.kvWi1.!7. $ ) mgr.gildaYumYtilkynninguogviWbrgWFjrmlaeftirlitsinsviWhenni. v%N!*   EfssemhyggsteignasteWaaukaviWvirkaneignarhlutervtryggingaflageWafjrmla A&"+ fyrirtkimeWstarfsleyfiWruaWildarrkieWam;WurflagslksaWilaeWaeinstaklingureWa  '", lgaWilisemhefuryfirrWyfirslkumaWila,ogefflagiWsemYessiaWilihyggstWlastvirkan '#- eignarhlutyrWid;tturflaghanseWalytiyfirrWumhanskjlfarflunarYessaraeignarhlut, (z$. skalFjrmlaeftirlitiWhafasamrWviWviWeigandieftirlitsstj;rnvldsamrmiviW18.gr., ( WurenniWurstaWaYessskv.6.mgr.erkunngerW.    NtilkynniraWilisemhyggsteignasteWaaukaviWvirkaneignarhlutFjrmlaeftirlitinu  ekkiumfyrirhuguWkaupsneWaaukninguvirkumeignarhlut,YrttfyriraWhonumsYaW a skyltskv.1.mgr.,ogfellurYniWuratkvWisrttursemfylgirYeimhlutumsemeruumfram T, YaWsemhannttiWur.GeturFjrmlaeftirlitiWkrafistYessaWhlutaWeigandisendiinntil  kynningusamrmiviWkvWi2.mgr.UmmlsmeWferWferaWWruleytisamkvmt3.!6.  mgr.GeriFjrmlaeftirlitiWekkiathugasemdirviWaWviWkomandiaWilieignisteWaaukiviW   virkaneignarhlutWlasthannatkvWisrttsamrmiviWeignahlutasinn.Beristtilkynning  X hlutaWeigandiekkiinnanfjgurraviknafrYvaWFjrmlaeftirlitiWkrafWisttilkynningar K #  geturYaWkrafistYessaWhannseljiYannhlutaeignarhlutarinssemerumframYaWsemhann    ttiWur.SkalFjrmlaeftirlitiWsetjatmamrkYvskyniogskalfresturinnekkivera    skemmrientveirmnuWir.ShluturekkiseldurtilskildumtmaerFjrmlaeftirlitinuheim   iltaWbeitaaWiladagsektumsamkvmtlgumumopinberteftirlitmeWfjrmlastarfsemi. wO    EignistaWilieWaaukiviWvirkaneignarhlutYrttfyriraWFjrmlaeftirlitiWhafikomistaW B  YeirriniWurstWuaWhannsekkihfurtilaWeignasteWaaukaviWhlutsinnfellurniWur    atkvWisrtturaWilaumframlgmarkYesshlutarsemtelstvirkureignarhlutur.ViWkomandi   aWilaerskyltaWseljaYannhlutaeignarhlutarinssemerumframleyfilegmrkogniWurstaWa {  Fjrmlaeftirlitsinst;ktil.SkalFjrmlaeftirlitiWsetjatmamrkYvskyniogskalfrest nF urinnekkiveraskemmrientveirmnuWir.ShluturekkiseldurtilskildumtmaerFjr 9 mlaeftirlitinuheimiltaWbeitaaWiladagsektumsamkvmtlgumumopinberteftirlitmeW  fjrmlastarfsemi.AWiliWlastfyrriatkvWisrttaWslulokinni.    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" mgr.skalstj;rnYesstilkynnaFjrmlaeftirlitinuumYaWnstWulaussdrttar. #   FjrmlaeftirlitiWgeturkrafisthverskonargagnaogupplUsingafreinstaklingumeWa  $ lgaWilumsemeigaeWafarameWeignarhlutvtryggingaflagiYvskyniaWmetahvortYeir !W% teljasthfirtilaWfarameWvirkaneignarhlutsamkvmtYessarigrein.FjrmlaeftirlitiWget J""& urkrafistsmuupplUsingafreinstaklingumeWalgaWilumsemhafaselteignarhluteWahaft #' millignguumviWskiptimeWeignarhlut.LagakvWiumYagnarskyldutakmarkaekkiskyldu #( tilYessaWveitaupplUsingarogaWgangaWggnum. $ )   EigisjaldnareneinusinniriskalvtryggingaflagtilkynnaFjrmlaeftirlitinuumY v%N!* hluthafasemeigavirkaneignarhlutYvogumhlutafjreignhversYeirra. A&"+   kvWiYessarargreinargildaumnintengsleftirYvsemviWgeturtt.Ekkimmynda  '", nintengslnemasUntsaWYauhindriekkieftirlitmeWstarfsemiflagsins. '#-  (z$. @!42.gr. (   SaWilasemvirkaneignarhlutvtryggingaflagisvofariWeWafarihannYannigmeW  hlutsinnaWskaWiheilbrigWanogtraustanreksturYessaWmatiFjrmlaeftirlitsinsgeturYaW  gripiWtileftirfarandirWstafana: a ! ! q(#33 q"i(m"  i(m{2#  1  .3  Ԉ0    kveWiWaWYeimhlutumfylgiekkiatkvWisrttur.i(m{݌T, Ќ  "i(m"  i(m2#  2  .3  Ԉ0    LagtfyrirhlutaWeigandivtryggingaflagaWgrpatilrWstafanasemdragarskaWlegum  hrifumhluthafans.i(mǬ݌ Ќ  "i(m"  i(m2#  3  .3  Ԉ0    Lagtfyrirflagsstj;rnhlutaWeigandivtryggingaflagsaWboWatilhluthafafundarYar   semhttsemihluthafansskaltekinfyrir.SkalfulltraFjrmlaeftirlitsinsheimiltaW  X skjafundinnogtakaYartilmls.i(m/݌K #  Ќ    ViWmatYvhvortgripiWskulitilrWstafanaskv.1.mgr.skalm.a.hfWhliWsj;nafYeim    atriWumsemgreinir4.mgr.41.gr.AWaukiskalhfWsrstkhliWsj;nafYvhvortstaWaeWa    httsemiviWkomandiaWilastilYessfallinaWrUratraustalmenningshlutaWeigandiv   tryggingaflagiverWihnopinber. wO    FjrmlaeftirlitinuerheimiltaWgrpasenntilfleirieneinnarafYeimrWstfunumsem B  tilgreindareru1.mgr.YykiYaWnauWsynlegt.      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','dStj;rn. `  X  0vtryggingaflagi,semfengiWhefurstarfsleyfihrlandi,skalstj;rnkjrinaWalfundi S+! samkvmtkvWumsamYykktaflagsinsogveraskipuWYremurmnnumhiWfsta.Stj;rnin " hefuralmennteftirlitmeWYvaWstarfsemiflagsinsfariaWlgumogsamYykktum,Yar # meWaleftirlitmeWb;khaldiogrWstfunfjrmunaflagsins.Stj;rninbersamtfram  $ kvmdastj;rabyrgWYvaWskipulagflagsinsoginnraeftirlitsfullngjandiogYvaW !W% flagiWgetilagtframupplUsingarsemYrfertileftirlitsmeWYv.FjrmlaeftirlitiWgetur J""& settalmennarreglurumfyrirkomulaginnraeftirlitsvtryggingaflgum. #'   Stj;rnarmennogframkvmdastj;rarskuluverabsettirhrlandi,eWaWruaWildarrki, #( veralgrWaoghafa;flekkaWmannorWogmegaekkisWustufimmrumhafaveriWr $ ) skurWaWirgjaldYrotaeWatengslumviWatvinnureksturhlotiWd;mfyrirrefsiverWanverknaW v%N!* samkvmtalmennumhegningarlgum,samkeppnislgum,lgumumhlutaflg,lgumum A&"+ einkahlutaflg,lgumumb;khald,lgumumrsreikninga,lgumumgjaldYrotaskiptio.fl.  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S+!   rsreikningskalsemjafyrirhvertreikningsr.rsreikningurskalhafaaWgeymarekstrar " reikning,efnahagsreikning,skUringarogupplUsingarumliWiutanefnahagsreiknings.Einnig # skalsemjaskUrslustj;rnarsemsamtrsreikningimyndareinaheild.Reikningsrvtrygg  $ ingaflagseralmanaksriW.rsreikningurskalgefaglggamyndaffjrhagsstWuogrekstr !W% arafkomuvtryggingaflagsogskalgerWursamrmiviWlg,reglur,g;Wareikningsskila J""& venjuogviWeigandialYj;WasamningaogstaWla. #'   rsreikningurogskUrslastj;rnarskuluundirrituWafstj;rnogframkvmdastj;ra.Hafi #( stj;rnarmaWureWaframkvmdastj;rim;tbrurframaWfraskalviWkomandiundirritameW $ ) fyrirvaraoggeragreinfyrirYvskUrslustj;rnarhvaWfelstfyrirvaranum. v%N!*   rsreikningursamtskUrslustj;rnarskalliggjaframmitilafhendingarafgreiWslustaW A&"+ vtryggingaflagseftirsamYykkthansaWalfundi.  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(g03q"i(m"  i(m2g  a  .3  Ԉ0    lklegbrotYeirrilggjfsemgildirumstarfsemiflagsins,i(m݌S+! Ќ  "i(m"  i(m2g  b  .3  Ԉ0    mlefnisemkunnaaWhafarslitaYUWingufyrirframhaldandistarfsemiflagsins,i(m݌" Ќ  "i(m"  i(m&2g  c  .3  Ԉ0    athugasemdireWafyrirvararitunrsreikning.i(m&S݌# Ќ    UpplUsingar,semendurskoWandiveitirFjrmlaeftirlitinusamkvmtkvWumYessarar  $ greinar,teljastekkibrotlgbundinnieWasamningsbundinniYagnarskyldu. !W%   BirtiflageWasamstWaflagarsreikningopinberlegaskalformogorWalagverasam J""& rmiviWhinnritaWaogendurskoWaWarsreikningogmeWritunlggiltsendurskoWanda. #' EfrsreikningurerbirturopinberlegastyttritgfuskalaukupplUsingaumfyrirvaraviW #( undirritun,efeinhverjireru,einnigkomaframaWumstyttatgfusaWrWa. $ ) @!48.gr. 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K #    FjrmlaeftirlitiWskalaflahliWstWraupplUsingaumstarfsemierlendravtryggingaflaga    aWildarrkjahrlendisfreftirlitsstj;rnvldumhlutaWeigandiheimarkja.    @!50.gr. wO    EinungiserheimiltaWthlutasemarWihagnaWisamkvmtsamYykktumrsreikningisW B  astareikningsrs,yfirfrWumhagnaWifrfyrrirumog;bundnufeftiraWdregiWhefur    veriWfrtapsemekkihefurveriWjafnaW,svoogYaWfsemsamkvmtlgumogsamYykkt   umskallagtsrstakasj;Wi,endaslj;staWflagiWuppfyllikrfurumtilskiliWlgmarks {  gjaldYol,YesshafiveriWgttaWleggjatilhliWarngilegtffyrirvtryggingaskuldflagsins, nF svoogaWsettumreglumummateignumflagsinsogfyrninguYeirrahafiveriWfylgt. 9   VIII.KAFLI   Eftirlit.  r 51.gr. e=   FjrmlaeftirlitiWhefureftirlitmeWYeimerrekastarfsemisemhWerkvWumlagaYess 0 araogtibumerlendravtryggingaflagasemfengiWhafastarfsleyfihrlandi.Umeftir  litiWfersamkvmtlgumYessumoglgumumopinberteftirlitmeWfjrmlastarfsemi.    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" FjrmlaeftirlitiWseturnnarireglurumtilgreiningufjrmlasamsteypumogeftirlitmeW # Yeim.FjrmlaeftirlitiWgeturogsettalmennarreglurumtilhguninnraeftirlitsfjrmla  $ samsteypum.FjrmlaeftirlitiWgeturaW;skeftirlitsstj;rnvaldaWrurkistaWreyntupp !W% lUsingarfraWilumhrlandisemfallaundireftirlitmeWfjrmlasamsteypum.ViWkomandi J""& eftirlitsstj;rnvldumerheimiltaWtakaYttvinnuviWaWstaWreynaslkarupplUsingar. #' @!54.gr. $ )   FjrmlaeftirlitiWskal,eftirYvsemkosturer,fylgjastmeWvtryggingaskilmlumsem v%N!* boWieruhrlandioggtaYessaWYeirsusamrmiviWlgsemhrgildaogg;WaviW A&"+ skiptahttu.TeljiFjrmlaeftirlitiWaWsvosekkiskalYaWgerakrfuumaWslkumkvW  '", umverWibreytteWaYauverWiafnumin.SkylteraWsendaFjrmlaeftirlitinuskilmlalg '#- boWinnavtrygginga,svoogbreytingarYeimWurenYeireruboWnirvtryggingamarkaWi. (z$.   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T,   FjrmlaeftirlitiWskalinnantveggjamnaWafrYvaWframangreindggnhafaborist  tilkynnaaWflaginusheimiltaWsetjastofntibiWogmYaWaWYvbnuhefjastarfsemi.    AllarbreytingarvarWandiliWi2.mgr.aW5.tlul.undanskildumskalflagiWtilkynna   FjrmlaeftirlitinuskriflegameWa.m.k.einsmnaWarfyrirvara..  X @!57.gr.      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'a'I9  & a Flag,semveitirYj;nustunstarfsstWvarskv.10.tlul.1.mgr.21.gr.,skalsjtilYess  aWYeirsemkrfueigab;tumvegnatj;nshrlandisuekkilakarsettirenaWrirvegna `  Yes'a':saWstarfsstWerekkifyrirhendi.Fulltriskv.4.tlul.2.mgr.skalaflaallranauWsyn S+! legragagnavegnatj;nsoghafaallarheimildirtilaWgreiWabturogkomaframfyrirhnd " flagsinshrlandi.HonumskaleinnigskyltaWveitalgbrumaWilumhrlandiupp # lUsingarumhvortlgmltarkutkjatryggingarsufyrirhendiogumgildistma.  $ @!58.gr. J""&   Eftirlitsstj;rnvldumaWildarrkjaeWafulltrumsemYautilnefnaerheimilt,eftiraWhafa #' tilkynntYaWFjrmlaeftirlitinu,aWgeraYrvettvangskannanirhjvtryggingaflgumsem #( YauhafaveittstarfsleyfioghrrekastarfsemiogsemnauWsynlegarerutilYessaWunnts $ ) aWframfylgjalgmltueftirlitimeWstarfsemitibaaWildarrkjahrlandi.Fjrmlaeftir v%N!* litiWhefurheimildtilaWtakaYttYessumknnunum.KostnaWurvegnaYessagreiWistaf A&"+ eftirlitsstj;rnvldumheimarkis.  '",  '#- @!59.gr. (   FjrmlaeftirlitiWskalveitaeftirlitsstj;rnvldumhlutaWeigandiheimarkjaupplUsingarum  starfsemitibahrlanditilaWYaugetilagtheildarmatgjaldYolvtryggingaflagasem  hrstarfaogeruundireftirlitiYeirra. a   FjrmlaeftirlitiWgeturgripiWtilallrarWstafanasemnauWsynlegarerutilaWtryggjahags T, munivtryggingartakaogvtryggWrauppfylliflagiWekkitilskilinskilyrWiumgjaldYoleWa  vtryggingaskuldina.XaWskal,YegarYrfkrefur,gerarWstafanirtilaWbannaflaginufrjlsa  rWstfuneignasemeraWfinnahrlandieWatakmarkasamrmiviWkvWigildandilaga   YaraWltandiaWhfWusamrWiviWeftirlitsstj;rnvldheimarkisefkosturer.  X   FjrmlaeftirlitiWgeturbannaWerlenduvtryggingaflagisemhrrekurtibeWaveitir K #  Yj;nustuaWstarfaframefYaWmeWgr;fumhttiogtrekaWbrUturkvWilagaYessaraeWa    reglugerWasettrasamkvmtYeimeWakvWiannarralagasemeigaviWumfjrmlastarf    semiogekkihefurveriWunntmeWkrfumeWaaWgerWumsamkvmtYessumlgumaWfr   YvbttsemrskeiWishefurfariW. wO  @!60.gr.      :skivtryggingaflag,semhrrekurtibeWaveitirYj;nustu,eftirYvaWflytjavtrygg   ingastofnsinnaWnokkrueWalluleytitilannarsflagssemhefurstarfsstWEvr;pskuefna {  hagssvWigetaeftirlitsstj;rnvldheimarkishinsfyrrnefndaheimilaWflutningstofnsinsaW nF fenginnistaWfestingueftirlitsstj;rnvaldaheimarkishinssWarnefndaumaWtilskildarkrfur 9 umgjaldYolsuuppfylltaraWlokinniyfirtkustofnsinsogaWhfWusamrWiviWFjrmla  eftirlitiW.XegarvtryggingarhttanerhrlandiYarfvalltsamYykkiFjrmlaeftirlitsins  til&  aWflutningurinngetittsrstaW.kvWi2.mgr.72.gr.gildaumopinberartilkynningar r vegnavtryggingastofnssemflutturerYegarvtryggingarhttanerhr.'I e=   Umrttindiogskyldurvtryggingartaka,vtryggWraogannarrasamkvmtvtrygginga 0 samningumfrumtryggingaflagaferskv.4.mgr.72.gr.    FjrmlaeftirlitiWskalltatlitsittinnanYriggjamnaWafrYvaWbeiWniumflutn  inginnbarst,ellaskallitiWsvoaWafstaWaYesstilflutningsinssjkvW. i @!61.gr. '   Afturkallieftirlitsstj;rnvldheimarkisstarfsleyfiflagssemhefurtibeWaveitirYj;n  ustuhrlandiskalFjrmlaeftirlitiWaWfenginnitilkynninguYarumgeraviWeigandirW  stafanirtilaWkomavegfyriraWflagiWstofnitilfrekarivtryggingasamningahrlandi. `  SkalhaftsamstarfviWhlutaWeigandieftirlitsstj;rnvldYvskyniaWtryggjahagsmuniv S+! tryggingartakaogvtryggWrasvosemkosturerogeigakvWi59.gr.viWumtakmrkuneWa " bannfrjlsrirWstfuneignaYegarnauWsynkrefur. # @!62.gr. !W%   Vtryggingaflag,semhrrekurtibeWaveitirYj;nustu,skaltilkynnatilvtrygginga J""& flagaskrrallarbreytingarYeimatriWumsemkveWiWerum30.gr.ogviWgetatt.S #' gerWnUrekstrartlunskv.25.gr.skalhneinnigsend. #(   FjrmlaeftirlitiWgeturgertkrfuumaWllggn,semberaWsendaeftirlitinuvegnastarf $ ) seminnarhrlandi,suslenskuYUWingulggiltsskjalaYUWanda. v%N!*   A&"+ @!& ,  63.gr. ( @ErlendvtryggingaflghrlandimeWaWalstWvarutanEvr;psksefnahagssvWis.    ErlendvtryggingaflgmeWaWalstWvarutanaWildarrkissemleyfihafatilaWrekav  tryggingastarfsemiheimalandisnugetafengiWleyfiFjrmlaeftirlitsinstilaWrekastarf',(Rԃ a semitibihrlandisamrmiviWlgYessiendahafislenskvtryggingaflgekkilak T, arirttheimalandiYeirra.    WurenvtryggingaflgmeWaWalstWvarutanaWildarrkisfstarfsleyfihrlandiskulu  aWilaraWsamningnumumEvr;pskaefnahagssvWiWhafasamrWumleyfisveitinguna.     FlagiWskalskrWhrlandiogYaWskaltilnefnaeinnaWalumboWsmannsemFjrmla  X eftirlitiWsamYykkirerkomiframfyrirYesshndmlefnumervarWastarfseminaoghafi K #  heimildtilaWskuldbindaflagiWvegnastarfsemiYesshrlandi.Hannskalverabsettur    hrlandi,veralgrWa,hafa;flekkaWmannorWogmekkisWustufimmrumhafaveriW    rskurWaWurgjaldYrotaeWatengslumviWatvinnureksturhlotiWd;mfyrirrefsiverWanverkn   aWsamkvmtalmennumhegningarlgumeWalgumumhlutaflg,einkahlutaflg,b;k wO  hald,rsreikninga,gjaldYroteWaopinbergjld,svooglggjfumvtryggingastarfsemi. B    FlagiWskalhafavarnarYinghrlandiaWYvervarWarstarfsemiYesshrogmlg    skjaYaWfyrird;mst;lum0slanditilfullnustukrfumsemstofnasthafavegnastarf   seminnar. {    B;khaldsggnognnurggnviWvkjandistarfsemitibsinsskuluvarWveitttibinu nF sjlfu. 9   kveWammeWsamningumviWeitteWafleiriYriWjurkiaWbeitaWrumkvWumum  eftirlitmeWstarfsemitibsinsensegirlgumYessumaWYvtilskilduaWhinumvtryggWu  stryggWngilegogsambrilegvernd.Ekkimslkumsamningumveitatibumflaga r meWaWalstWvarutanaWildarrkjarUmriskilyrWientibumvtryggingaflagameWaWal e= stWvarYar.SamrWskalhaftviWnnuraWildarrkiumsamningaafYessutagiogYauupplUst 0 umYWurenYeirerugerWir.  @!64.gr. i   Ums;knumstarfsleyfiogumskrninguvtryggingaflagaskrskalsendFjrmlaeftir \4 litinuogggnskv.19.!25.gr.skulufylgjaums;kneftirYvsemviWgeturttognauWsynleg ' erutilYessaW& a ԀYaWgetimetiWums;knina.SUnishornvtryggingaskilmlaogiWgjaldagrund  vallarYeimgreinumsemflagiWhyggstrekahrlandiskulueinnigfylgjaums;kn.  'a^  FlagiWskaluppfyllaskilyrWiV.kaflaumfjrhagsgrundvllermiWastviWstarfsemiYess `  hreftirYvsemviW,Y;YannigaWgjaldYolYessnemialdreiminnaenhelmingiviWeigandi S+! fjrhWarskv.34.gr.SkalflagiWhafahrlandifjrmuniernemahelmingifjrhWarinnar " skv.34.gr.eWaYriWjungilgmarksgjaldYols,hvortsemhrraer,enfjrmunirYarumfram # uppaWlgmarksgjaldYoliskuluvarWveittiraWildarrki.SameiginlegteftirliteinsaWildarrkis  $ meWgjaldYolifyrirlltibflagsinsaWildarrkjumgeturkomiWstaWYeirraraWferWarsem !W% lUsterYessarimlsgreinogskalogskalfyrirkomulageftirlitsverasamrmiviWsamstarfs J""& samningaWildarrkja.GildaYkvWi58.gr.umeftirlitmeWgjaldYolitibannaeftirYv #' semviW. #(   FjrhWsamsvarandifj;rWungiYesslgmarkssemkrafister34.gr.skallgWframsem $ ) geymslufupphafiogvarWveittstaWsemFjrmlaeftirlitiWsamYykkir.GeymslufWskal v%N!* einungisnotaWtilaWtryggjaaWflagiWgetistaWiWviWskuldbindingarsnarvegnagerWrav A&"+ tryggingasamningahrlandi.EinstakirvtryggWir,eWaaWrirrtthafarsamkvmtvtrygg  '", ingarsamningi,getaekkigertkrfuumfullnustugreiWslunemaaWYvmarkisemYaWaWmati '#- FjrmlaeftirlitsinsskerWirekkirttannarravtryggWra,eWartthafa,tilfullnustuvtrygg ( ingaskuldbindingumflagsins.    FlagiWskalvaxtahrlandifjrmuniersamsvaravtryggingaskuldYessvegnastarf  seminnarhreinsogYrerusamkvmttreiknings-ogmatsreglumergildahrlandi. a   FjrmlaeftirlitiWskalupplUsaviWeigandieftirlitsstj;rnvldaWildarrkjumogEftirlits T, stofnunEFTAumYaW,WurenafstaWaertekintilums;knarinnar,Yegard;tturflagm;Wur  flagsmeWaWalstWvarYriWjarkiskirumstarfsleyfihrlandiogefaWilarWlast,beint  eWa;beint,hlutvtryggingaflagimeWstarfsleyfihrlandiYannigaWhiWsWarnefnda   verWid;tturflaghinsfyrrnefnda.  X @!65.gr.      AWalumboWsmaWurskalsendaFjrmlaeftirlitinursreikninghinserlendaflags,svoog    rsreikningvegnastarfseminnarhrlandi,eigisWarenmnuWieftiraWYeirhafaveriWsam   YykktirsamtrsskUrslumeWundirritunstj;rnarogritunendurskoWanda.rsreikningur wO  vegnastarfseminnarhrlandiskalberasteigisWarenYremurmnuWumeftirlokreikn B  ingsrs.TilskilinggnsamkvmtreglumsemFjrmlaeftirlitiWseturskulufylgja,Yar    meWalggnskv.36.og37.gr.umYreignirsemkomaeigam;tivtryggingaskuldinni.   kvWiVII.kaflagildaeftirYvsemviWgeturttumtibiW. {  & ,   AWalumboWsmaWurskalntafartilkynnaFjrmlaeftirlitinuskriflegagerieftirlitsstj;rn nF vldheimalandiflagsinsathugasemdviWstarfsemiYess,hafigreiWslustWvunveriWkveW 9 in,kvrWunveriWtekinumaWsltaflaginueWabYesstekiWtilgjaldYrotaskipta.  ',nn& , @!66.gr. r   Brj;tiflagiWlgogreglugerWirumvtryggingastarfsemieWavanrkiskyldursnarsam e= kvmtYeimYannigaWhagsmunumvtryggingartakaogvtryggWrasstefnthttu,skal 0 ',oFjrmlaeftirlitiWveitaflaginutiltekinnfresttilaWgeranauWsynlegarrWstafanirtilrb;ta.  HafifullngjandirWstafanirekkiveriWgerWarinnanYessfrestsogteljiFjrmlaeftirlitiWaW  hagsmunirvtryggingartakaogvtryggWrasuhttugetureftirlitiWtnefntnUjanaWal i umboWsmanntilaWljkaviWskiptumoguppgjrivegnastarfseminnarhrlandi.Hefurhann \4 Yvskyn&  ileyfitilrWstfunareignumflagsinshrlandiaWYvmarkierFjrmlaeftir ' litiWheimilar.''s    kvWiXI.ogXII.kaflagildaeftirYvsemviWgeturttumtibiW.  @!67.gr. S+!   FjrmlaeftirlitiWgeturafturkallaWstarfsleyfiflagsinsuppfylliflagiWekkilengurskil " yrWifyrirstarfsleyfinueWavanrkigr;flegaskyldursnarsamkvmtlgumYessum. #   XegarstarfsleyfiflagserafturkallaWtekurFjrmlaeftirlitiWkvrWunumhvortYess  $ skulifreistaWaWyfirfravtryggingastofninntileinseWafleirivtryggingaflagasemreka !W% vtryggingastarfsemihrlandieWahvortflagiWskuliannanhttreynaaWljkaskuld J""& bindingumsnumvegnavtryggingarsamningasemgerWirhafaveriW.Xegarrekinerlftrygg #' ingastarfsemigeturFjrmlaeftirlitiWkveWiWaWlftryggingastofninumverWikomiWundir #( srstakastj;rn,sbr.82.gr. $ )   ViWafturkllunstarfsleyfiflagsgeturFjrmlaeftirlitiWtakmarkaWeWabannaWflaginu v%N!* yfirrWyfirfjrmunumsnumogeignum. A&"+    '", @!& ,  68.gr. (   FlagiWskalmWrvtryggingaflagaskrmissiYaWstarfsleyfiskv.67.gr.,endasviW  skiptumYessoguppgjriskuldbindingahrlandiaWfullulokiW.  ',(y  TilkynniflagaWYaW;skieftiraWhttastarfsemihrlandiogaWstarfsstWYessverWi a mWrvtryggingaflagaskrskalYaWYvaWeinsgertaWFjrmlaeftirlitiWltiaWstarfs T, stWinYurfiekkiaWstarfaframvegnaskuldbindingasemhennihvla.Samagildirseng  innaWalumboWsmaWurflagsinshrlandiogenginnhafiveriWtnefndurinnanfrestssem  FjrmlaeftirlitiWhefursett.GetureftirlitiWYtnefntaWalumboWsmannsamrmiviW   kvWi66.gr.  X   LeysamgeymslufsemlagtertilhliWarskv.64.gr.Yfyrsterstarfsleyfiflagsinshefur K #  veriWafturkallaWogflagiWgetursannaWaWstaWiWhafiveriWviWallarskuldbindingarflags    inshrlandi,eWaaWfullngjanditryggingfyrirskuldbindingumhafiaWmatiFjrmla    eftirlitsinsveriWlgWfram.     X.KAFLI B   ErlendstarfsemivtryggingaflagasemfengiWhafastarfsleyfihrlandi.     69.gr.   ~  Frumtryggingaflag,semfengiWhefurstarfsleyfihrlandiog;skareftiraWstarfrkja {  tibWruaWildarrkiskaltilkynnaYaWFjrmlaeftirlitinuogleggjaframeftirfarandiggn: nF ! ! q(#33q"i(m"  i(m-2#  1  .3  Ԉ0    HeitiogheimilisfangtibsinsYarsemskipaWurfulltriflagsinshefuraWsetur.i(m-Z݌9 Ќ  "i(m"  i(md2#  2  .3  Ԉ0    NafnskipaWsfulltratibsinssemhefurheimildtilaWskuldbindaflagiWgagnvart  YriWjaaWilaogkomaframYessvegumgagnvartd;mst;lumaWildarrkinu.i(md݌ Ќ  "i(m"  i(m2#  3  .3  Ԉ0    tlunumfyrirhugaWastarfsemiogskipulagtibsins.i(m>݌r Ќ  "i(m"  i(m)2#  4  .3  Ԉ0    SkryfirYgreinaflokkavtryggingaogvtryggingagreinarsemflagiWhyggstreka.i(m)V݌e= Ќ  "i(m"  i(m_2#  5  .3  Ԉ0    YfirlUsinguumaWflagiWsaWiliaWlandsskrifstofuogefviWaWsrstkumbyrgWar 0 sj;WiviWkomandiaWildarrkiYegarfyrirhugaWeraWrekastarfsemiskv.10.tlul.1.  mgr.21.gr.i(m_݌ Ќ    HafiFjrmlaeftirlitiWekkiathugasemdirframaWfravarWandifyrirhugaWastarfsemi, i fjrhagsstWueWahfiogfaglegakunnttustj;rnendaeWahinsskipaWafulltratibsinsskal \4 FjrmlaeftirlitiW,innanYriggjamnaWafrYvaWllframangreindggnhafaborist,senda ' eftirlitsstj;rnvldumgistirkisggninsamtvottorWiumaWflagiWuppfylliskilyrWium  gjaldYolskv.31.!34.gr.eftirYvsemviW.JafnframtskalflaginusendtilkynningumaW  umrddggnhafiveriWsend. `    FjrmlaeftirlitiWgeturltiWhjlWaaWsendaggnskv.1.og2.mgr.hafiYaWstWutil S+! aWdragaefaaWrekstrarleguppbyggingeWafjrhagsstaWasviWhltandisemundirstaWa " fyrirhugaWrarstarfsemi.TilkynningumaWframangreindggnverWiekkisendeftirlitsstj;rn # vldumviWkomandiaWildarrkisskalsendflaginuinnanYriggjamnaWaogstWurYess  $ tilgreindarskriflega. !W%   FlagiWmstofnsetjatibiWoghefjastarfsemiYegarorWsendinghefurboristfreftirlits J""& stj;rnvldumgistirkiseWaefenginslkorWsendinghefurboristtveimurmnuWumeftiraW #' llggnskv.1.og2.mgr.hafaboristtilYeirra. #(   AllarbreytingarvarWandiatriWi1.mgr.skalflagiWtilkynnaFjrmlaeftirlitinuogeftir $ ) litsstj;rnvldumYvrkisemtibiWhefurstarfsemiskriflegameWa.m.k.einsmnaWar v%N!* fyrirvara. A&"+    '", @!& ,  70.gr. (   :skifrumtryggingaflagsemfengiWhefurstarfsleyfihrlandieftiraWveitaYj;nustu  WruaWildarrkinYessaWhafaYarstarfsstWskalflagiWtilkynnaYaWFjrmlaeftirlitinu  samtupplUsingumumhvaWagreinaflok',(kumvtryggingaeWavtryggingagreinumfyrir a hugaWeraWveitaYj;nustu.FjrmlaeftirlitiWskalinnanmnaWarsendaeftirlitsstj;rnvldum T, hlutaWeigandiaWildarrkiseftirtalinggnogskalflaginujafnframttilkynntaWupplUsing  arnarhafiveriWsendar:  ! ! q(#33q"i(m"  i(m2#  1  .3  Ԉ0    VottorWumaWgjaldYolvegnastarfsemiflagsinsheildsfullngjandi.i(m݌  Ќ  "i(m"  i(m2#  2  .3  Ԉ0    SkryfirYgreinaflokkavtryggingaogvtryggingagreinarsemflagiWhefurleyfitil  X aWreka.i(m݌K #  Ќ  "i(m"  i(m2#  3  .3  Ԉ0    SkryfirgreinaflokkaogvtryggingagreinarsemflagiWhyggstrekaaWildarrkinu.i(mB݌   Ќ  "i(m"  i(mL2#  4  .3  Ԉ0    YfirlUsinguumaWflagiWsaWiliaWlandsskrifstofuogefviWaWsrstkumbyrgWar    sj;WiviWkomandiaWildarrkiYegarfyrirhugaWeraWveitaYj;nustuskv.10.tlul.1.   mgr.21.gr.ognafnogheimilisfangsrstaksfulltrasemannasttj;nsuppgjrYeirri wO  grein.i(mLy݌B  Ќ    FlagiWmveitaYj;nustufrYeimtmaerYaWhefurfengiWtilkynninguumaWupplUs    ingarskv.1.mgr.hafiveriWsendarogm;ttakaYeirrahefurveriWstaWfest.     SendiFjrmlaeftirlitiWekkiframangreindarupplUsingartilskildumtmaskalYaWgreina {  flaginufrstWumYessinnansmutmamarka. nF & a   AllarbreytingarskalflagiWtilkynnaFjrmlaeftirlitinuskriflegameWa.m.k.einsmn 9 aWarfyrirvara.  'a9~& , @!71.gr. r   Hafifrumtryggingaflag,semhefurfengiWstarfsleyfihrlandi,hyggjuaWhefjastarf e= semirkiutanEvr;pskaefnahagssvWisinsskalYaWtilkynntFjrmlaeftirlitinufyrirfram 0 ',EsamtlUsingufyrirhugaWristarfsemiogWrumupplUsingumsemFjrmlaeftirlitiW;skar  eftirogtelurnauWsynlegar.    kvWi69.og70.gr.gildaeinnigumfrumtryggingaflgmeWaWalstWvarutanhins i Evr;pskaefnahagssvWissemfengiWhafastarfsleyfihrlanditilaWrekatibenhafa \4 hyggjuaWhefjastarfsemiaWildarrki.FjrmlaeftirlitiWgeturY;tekiWsrlengrifrestitil ' afgreiWslu& a ԀmlaenYarerutilgreindir.SkalYaWhafasamrWviWeftirlitsstj;rnvldaWildarrkja  WurentekinerafstaWatilums;knarinnar.  'aן  XI.KAFLI S+!  Yfirfrslavtryggingastofna.Samruniflaga.  " 72.gr. # Yfirfrsla.  $   :skifrumtryggingaflag,semfengiWhefurstarfsleyfihrlandi,eftiraWflytjavtrygg !W% ingastofnsinnaWnokkrueWalluleytitilannarsflagssemeinnighefurfengiWstarfsleyfi J""& hrlandiskulubWiflginsendaFjrmlaeftirlitinuums;knumfrslunasamtdrgum #' aWsamkomulagimilliflagannaogYeimggnumsemeftirlitiWtelurnauWsynleg.Fjrmla #( eftirlitiWkannarums;kninameWhliWsj;nafhagbeggjaflagannaoghvortstWastilaW $ ) tlaaWfrslangetiskaWaWvtryggingartaka,vtryggWahjflgunumogaWrasemhafa v%N!* srstakrahagsmunaaWgta. A&"+   TeljiFjrmlaeftirlitiWaWsynjaberiumleyfitilyfirfrslunnarskalYaWntafartilkynnt  '", flgunum.AWWrumkosti,ogsumaWrWavtryggingarhttuhrlandi,sbr.10.gr., '#- skalFjrmlaeftirlitiWbirtaopinberlegatilkynninguvegnayfirfrslubeiWninnarog;skaeftir ( skriflegumathugasemdumvtryggingartaka,vtryggWraogannarrasemhafasrstakrahags  munaaWgtainnantiltekinsfrestssemeigiskalveraskemmrieneinnmnuWur.    FjrmlaeftirlitiWveitirleyfitilfrslunnaraWliWnumfrestiskv.2.mgr.teljiYaW,aWteknu a tillititilYeirraathugasemdasemframhafakomiW,aWorWiWskuliviWyfirfrslubeiWninni. T, Rttindiogskyldurvtryggingartaka,vtryggWraogannarrasamkvmtvtryggingasamning  umhaldasjlfkrafagildisnuviWflutninginn.Vtryggingartakargetasagtuppvtrygginga  samningisnumviWflagiWfrYeimdegierflutningurstofnsinssrstaWtilkynniYeirupp   sgnskriflegainnanmnaWarfrflutningsdegi.  X @!73.gr.      FjrmlaeftirlitiWgeturheimilaWvtryggingaflagisemhrhefurfengiWstarfsleyfiog    ;skareftiraWflytjavtryggingastofnsinnhraWnokkru,eWalluleyti,tilannarsflagsmeW   starfsstWWruaWildarrkistaWfestieftirlitsstj;rnvldheimarkisYessflagssemtekurviW wO  stofninumaWtilskildarkrfurumgjaldYolsuuppfylltaraWteknutillititilhinsyfirfrWa B  stofns.SkilyrWiervalltaWeftirlitsstj;rnvldYvaWildarrkiYarsemvtryggingarhttan    er,sbr.10.gr.,veitisamYykkisittfyriryfirfrslunni.kvWi72.gr.gildaumyfirfrsluna.   & ,   FjrmlaeftirlitiWgetureinnigheimilaWtibivtryggingaflagsmeWaWalstWvarutan {  aWildarrkis,semhefurstarfsleyfihrlandi,aWflytjavtryggingastofnsinnhraWnokkru nF eWalluleytitilannarsvtryggingaflagsoggildaYeinnigkvWi72.gr.umyfirfrsluna. 9 ',  UmyfirfrsluvegnastofnavtryggingaflagameWaWalstWvarWruaWildarrki,semhr  rekatibeWaveitaYj;nustu,fersamkvmtkvWum60.gr.  @!74.gr. e= @ Samruni. 0   :skivtryggingaflg,semfengiWhafastarfsleyfihrlandi,eftirYvaWsamrunieigi  srstaWmeWyfirtkueinseWafleirivtryggingaflagameWslitumYeirra,YannigaWallar  eignirogskuldirverWiyfirfrWaraWlluleytinYessaWtilskiptameWferWarkomi,skulull i flginsendaFjrmlaeftirlitinuums;knsamtdrgumaWsamkomulagimilliflagaum \4 samrunannogmeWYeimggnumsemeftirlitiWtelurnauWsynleg.Samagildir;skitveWa ' fleirivtryggingaflgeftirYvaWsamrunimeWstofnunnUsvtryggingaflagseigisrstaW  meWslitumnskiptameWferWarYannigaWallareignirogskuldirverWiyfirfrWartilhinsnUja  flags.SkilyrWisamrunaeraWleyfitilyfirfrsluvtryggingastofnasveitt,sbr.72.gr. `    kvWi1.mgr.eigaeinnigviWumflgskv.13.gr.sem;skaeftiraWyfirfraeignirog S+! skuldiraWlluleytinskiptameWferWartilvtryggingaflags. "   HeimilamaWsamrunimeWyfirtkueWameWstofnunnUsflagsgetifariWframY;tteitt # eWafleiriflagasemyfirtekineru,eWalgWverWaniWur,gangistundirskiptameWferW,aWYv  $ tilskilduaWskostursbundinnviWflgsemhafaekkiennhafisthandaviWaWthluta !W% eignumsnumtileigenda. J""& @!& a 75.gr. #(   0drgumaWsamkomulagiumsamruna,semfylgjaskuluums;kn,skalm.a.komafram $ ) hverniggreiWslumerhttaWfyrirhlutif'a#lgumsemhttavtryggingastarfsemi,hvenr v%N!* hlutirsemkunnaaWveranotaWirsemgreiWslaveitirtttilarWsogannarrarttinda,hvaWa A&"+ rttindieigendurhlutaflagisemhttirstarfsemiWlastYvflagisemtekurviWeignum  '", ogskuldum,svoogaWrarrWstafanirsemkunnaaWhafafrmeWsrbreytingarrttindum '#- eigenda.Einnigskalkomaframhvortstj;rnarmenneWaframkvmdastj;rarskulinj;tasr ( stakrahlunnindaogYhverra.    LgWskuluframstaWfestreikningsuppgjrsemsUnaeignirogskuldirhversflagsYeim  degiYegarsamrunierfyrirhugaWursamtsameiginlegriupphafsstWueftirsamrunannogm a uppgjriWekkiverameiraensexmnaWagamaltYegarkvrWunertekinumaWsamrunieigi T, srstaW.FjrmlaeftirlitiWgeturY;heimilaWaWmiWaWsviWrsuppgjrflagannaloksW  astareikningsrs.    EigisamrunisrstaWmeWstofnunnUsflagsskuludrgaWnUjumsamYykktumYesseinn   iglgWfram.SamagildirverWigerWarbreytingarsamYykktumflaga,aWrarenbreytingar  X nafni. K #    FjrmlaeftirlitiWveitirleyfitilsamrunans.StarfsleyfiflagseWaflaga,semhttav    tryggingastarfsemi,skuluafturklluWfrYeimdegierFjrmlaeftirlitiWtiltekurogflagiW    eWaflginmWrvtryggingaflagaskr.     &  XII.KAFLI B   SrstakarrWstafanir.     76.gr.   RWstafanirvegna;fullngjandigjaldYols. {    Uppfyllivtryggingaflag,semfengiW'BԀhefurstarfsleyfihrlandi,ekkilgmarkskrfur nF umgjaldYolviWrsuppgjreWaWrumtmaskalflagiWYegarstaWgeratlunumhvenr 9 oghvernhttmarkinuverWinWogskaltluninlgWfyrirFjrmlaeftirlitiWsemkveWur  hvortYrrWstafanirsemgerateljistfullngjandi.Slktlunskalekkitakatilskemmri  tmaennstuYriggjareikningsraoginnihaldam.a.: r ! ! q(#33q"i(m"  i(m~2#  1  .3  Ԉ0    tlaWanrekstrarkostnaW,m.a.viWnverandiyfirstj;rn,ogumboWslaun.i(m~݌e= Ќ  "i(m"  i(m2#  2  .3  Ԉ0    SundurliWaWatlunumtekjuroggjldfrumtryggingum,endurtryggingumsemflag 0 iWkannaWtakaaWsrogvegnaendurtryggingarverndarYess.i(m݌ Ќ  "i(m"  i(mE2#  3  .3  Ԉ0    tlaWanefnahagsreikning.i(mEr݌ Ќ  "i(m"  i(mA2#  4  .3  Ԉ0    GreinargerWumfjrmagnsemtlaWeraWmtavtryggingaskuldbindingumoglg i marksgjaldYoli.i(mAn݌\4 Ќ  "i(m"  i(m2#  5  .3  Ԉ0    RWgerWaendurtryggingarvernd.i(m݌' Ќ    MeWanslktlunergildiskalhvorkigefatgjaldYolsvottorWvegnarWagerWaumstarf  semierlendis,sbr.1.mgr.69.gr.og1.mgr.70.gr.,nheimilaflaginuaWveitaviWtkuv  tryggingarstofni,sbr.1.mgr.60.gr.og1.mgr.72.gr. `    SgjaldYolvtryggingaflagsminnaenYriWjungurYesssemtilskiliWereWaminnaens S+! lgmarksfjrhWsemtilgreinderfyrirYstarfsemisemflagiWrekur,sbr.34.gr.,hvortsem " hrraer,skaltlunskv.1.mgr.miWaaWYvaWrttaviWfjrhagflagsinsskmmumtma # ogskalFjrmlaeftirlitiWsetjaflaginukveWinnfrestYvefni.  $   SvtryggingaskuldflagsvanmetinviWrsuppgjreWaWrumtmaaWmatiFjrmla !W% eftirlitsinseWahafifjrhagsstaWaYessmeWWrumhttiversnaWYannigaWtilskildarkrfur J""& umgjaldYoleruekkiuppfylltarskalmeWsamahttigrpatilviWeigandirWstafana. #'   SvtryggingaskuldvanmetinskalvanmatiWkomatillkkunargjaldYoli. #(   SaWlagaWgjaldYolvtryggingaflagseWam;WurflagsYessminnaenlgmarksgjaldYol $ ) skv.32.!34.gr.aWviWbttrihlutdeildlgmarksgjaldYoliallrahlutdeildar-ogd;tturflaga v%N!* semeruvtryggingaflgskalvtryggingaflagiWYegarstaWgeratlunumhvenrog A&"+  hvernigmarkinuverWinWogskaltluninlgWfyrirFjrmlaeftirlitiWsemkveWurhvort  '", hn&   telstfullngjandi.LgmarksgjaldYolhlutdeildar-ogd;tturflagaskalreiknaWsamkvmt ( tilvsuWumgreinum,jafnvelY;ttaWrarreglurgildiheimarkiYeirra.'(    TeljiFjrmlaeftirlitiWfjrhagvtryggingaflagsverameWYeimhttiaWrttindum  vtryggingartaka,vtryggWraeWaannarrasemhafasrstakrahagsmunaaWgtasstefnt a httugeturYaWkrafisttlunareinsoggjaldYolvri;fullngjandi,sbr.1.mgr. T,   FjrmlaeftirlitiWgeturtakmarkaWeWabannaWrWstfunvtryggingaflags,semfengiW  hefurstarfsleyfihrlandi,fjrmunumsnumogeignumsYaWliWuraWgerWumtilaW  komafjrhagYessrttankjl,sbr.1.!5.mgr.kvrWunYessaefnisskaltilkynnaeftirlits   stj;rnvldumaWildarrkjaeftirYvsemviW.  X   StarfiflagiWeftirtlunskv.25.gr.eWaskv.1.mgr.Yessarargreinaroghafifjrhags K #  staWaflagsinsversnaWmiWaWviWYtlunskalFjrmlaeftirlitiWtakakvrWunumnauW    synlegarrWstafaniroggerakrfuumaWnUrekstrartluntilYriggjaraverWilgWframef    Yrfer.   @!& a 77.gr. B  @ Endurskipulagningfjrhags.      MeWendurskipulagningufjrhagsvtryggingaflagserttviWrWstfunsemfelursr'aB   hlutund;mst;lsogertlaWaWtryggjaeWaendurreisafjrhagslegastWuvtryggingaflags {  oghafahrifrttindiaWilaannarraenvtryggingaflagsinssjlfs.TilslkrarWstafanatelj nF astgreiWslustWvunognauWasamningar. 9   LgumgjaldYrotaskiptio.fl.,nr.21/1991,gildaumheimildvtryggingaflagstil  greiWslustWvunarogtilaWleitanauWasamningsendasekkiannanvegmltlgum  Yessum. r   &  D;mst;llskalsjtilYessaWFjrmlaeftirlitinuverWitilkynntYegarstaWumframkomna e= beiWnivtryggingaflagsumheimildtilgreiWslustWvunareWatilaWleitanauWasamnings.'eK 0 FjrmlaeftirlitiWskaltilkynnaWrumeftirlitsstj;rnvldumaWildarrkjaefvtryggingaflagi  erveittheimildtilgreiWslustWvunareWatilaWleitanauWasamnings.    BrskurWurd;mst;lsWruaWildarrkiumendurskipulagningufjrhagsvtryggingaflags i meWaWalstWvarYvaWildarrkitekurtiltibavtryggingaflagsinshrlandi. \4 & ,   TilkynnaskallnardrottnumrskurWumheimildvtryggingaflagstilgreiWslustWvunar ' eWatilaWleitanauWasamningssamrmiviWkvWi13.og44.gr.lagaumgjaldYrotaskipti  o.fl.  ','X  0tilkynninguskv.5.mgr.tilvtryggingartaka,vtryggWraogannarrasemeigakrfuv `  tryggingaflagvegnavtryggingasamningaoghafalgheimili,fastabsetueWaaWalstWvar S+! WruaWildarrkiskalsrstaklegatekiWframhverhrifrskurWurumheimildtilgreiWslu " stWvunareWatilaWleitanauWasamningshafivtryggingasamningogupplUsingarumrtt # indiogskyldurYeirra.SkaltilkynninginveratungumliYessrkisYarsemviWkomandi  $ lgheimili,hefurfastabsetueWaaWalstWvar. !W%   Lnardrottnisemlgheimili,hefurfastabsetueWaaWalstWvarWruaWildarrkier J""& heimiltaWlUsakrfuskv.45.gr.lagaumgjaldYrotaskiptio.fl.tungumliYessrkis.Fyrir #' sgnkrfulUsingarskalY;veraslensku. #(   UmheimildtibsvtryggingaflagsmeWaWalstWvarutanaWildarrkjatilgreiWslustWv $ ) unareWatilaWleitanauWasamningsfereftirslenskumlgum.HafiflagiWtibfleirien v%N!* einuaWildarrkiskallitiWhverttibsemsjlfstWanlgaWila.Eftirlitsstj;rnvldskuluY; A&"+ samrmaaWgerWirogYaWsamaviWumaWstoWarmennskuldaraviWgreiWslustWvunogum  '", sj;narmennmeWnauWasamningum. '#- Ї@!78.gr. (   0slensklgskulugildaumendurskipulagningufjrhagsvtryggingaflagsnemaannan  vegsfyrirmltYessarigrein.    VinnusamningurskalfaraeftirlgumYessrkissemumvinnusamninginnogvinnusam a bandiWgilda. T,   SamningurumnotkuneWakaupfasteignarskalfaraeftirlgumYessrkisYarsemfast  eigninerstaWsett.    Rtturvtryggingaflagsvegnafasteignar,skipseWaflugvlarskalfaraeftirlgumYess   rkisYarsemopinberskrninghefurfariWfram.  X   HeimildvtryggingaflagstilgreiWslustWvunareWatilaWleitanauWasamningsskalekki K #  hafahrifrttveWhafavegnaeignarrttindasemeruWruaWildarrkiYegarheimildiner    veitt.0slensklggildaY;umrttindiogskylduraWilasemltaopinberueftirlitihrlendis.      HafivtryggingaflagkeypteignmeWeignarrttarfyrirvarahefurheimildvtrygginga   flagsinstilgreiWslustWvunareWatilaWleitanauWasamningsekkihrifrttindiseljanda wO  sembyggjastfyrirvaranumseignWruaWildarrki.Heimildvtryggingaflagsinstil B  greiWslustWvunareWatilaWleitanauWasamningshefurekkihrifsluvtryggingaflags    eignhafiafhendingYegarfariWframogeigninveriWWruaWildarrkiYegarheimildinvar   veitt. {    XrttfyrirkvWi5.og6.mgr.erheimiltaWbeitakvWumIII.kaflalagaumsamnings nF gerW,umboWog;gildagerninga,nr.7/1936,um;gildalggerninga,nemalggistirkis 9 heimiliekkislkt.    HafivtryggingaflageftiraWheimildhefurveriWfengintilgreiWslustWvunareWatilaW  leitanauWasamningsseltfasteign,skipeWaflugvlsemhWeropinberriskrningueWafram r seljanlegverWbrfeWannurverWbrfskipulegumverWbrfamarkaWiskululgYessrkis e= YarsemeignereWaYarsemhinopinberaskrninghefurfariWframgildaumlgmtilg 0 gerningsins.    & , UmhrifheimildarvtryggingaflagstilgreiWslustWvunareWatilaWleitanauWasamnings  mlshfWunvegnaeignareWaannarrarttindasemvtryggingaflaghefurltiWafhendifer i eftirlgumYessaWildarrkisYarsemmliWvarhfWaW. \4 ',Z  BrrWiYausemaWstoWarmaWurskuldaraviWgreiWslustWvunogumsj;narmaWurmeW ' nauWasamningigetabeittsamkvmtslenskumlgumhafaYeirjafnframtWrumaWildar  rkjum.ViWbeitinguslkrarrWaWruaWildarrkiskuluYeirY;faraeftirlgumYessaW  ildarrkiseftirYvsemviW. `  @!79.gr. " @ Afturkllunstarfsleyfis. #   SinnivtryggingaflagtrekaWekkitilmlumFjrmlaeftirlitsinsumrWstafanirtilaW  $ metafullngjandihttvtryggingaskuldsnaeWaaWtryggjaruggavxtunfjrmunasem !W% tlaWeraWmtahenni,brj;tilgogreglugerWirumstarfsemivtryggingaflagaeWasam J""& YykktirsemYaWstarfareftirskalFjrmlaeftirlitiWsetjaflaginukveWinnfresttilaWgera #' nauWsynlegarrbtur. #(   HafifullngjandirWstafanirekkiveriWgerWarinnansettratmamarkageturFjrmlaeftir $ ) litiWafturkallaWstarfsleyfiflagsins.FjrmlaeftirlitiWgeturY;veittfrekarifrestteljiYaW v%N!* lkurbendatilaWYrrWstafanir,&  ԀsemflagiWhefurYegargert,muniinnanskammstmahafa A&"+  frmeWsrtilskildarrbtur.'A&{  '",   & a  EinnigmafturkallastarfsleyfinUtiflagleyfiWekkiinnant;lfmnaWafrtgfuYess ( eWastarfseminhafilegiWniWrisexmnuWieWameira.  'a(>@!80.gr. a   FjrmlaeftirlitiWskalafturkallastarfsleyfivtryggingaflagshafiflagiWekkigertnauW T, synlegarrWstafanirtilaWrttaviWfjrhagsinn,uppfylliflagiWekkilengurskilyrWistarfs  leyfiseWavanrkigr;flegaskyldursnarsamkvmtlgumogreglugerWumumstarfsemiv  tryggingaflagaYannigaWhagsmunumvtryggingartakaogvtryggWrasstefnthttu.     AfturkllunstarfsleyfisskalvalltstuddtarlegumrkumogtilkynnthlutaWeigandiflagi  X skriflega. K #    AfturkalliFjrmlaeftirlitiWstarfsleyfiskalYaWskalYaWtilkynnaYaWeftirlitsstj;rnvldum    aWildarrkjaergeraskuluallarviWeigandirWstafanirtilaWkomavegfyriraWflagiWstofni    tilnUrravtryggingaskuldbindingainnanlgsguYeirra,tibieWameWYvaWveitaYar   Yj;nustu. wO  & ,   FjrmlaeftirlitiWskalmeWhagsmunivtryggingartakaogvtryggWrafyriraugumog B  samrWiviWnnurhlutaWeigandieftirlitsstj;rnvldtakmarka,eftirYvsemnauWsynkrefur,    frjlsarWstfuneignaflagsinsYegarvtryggingaskuldinervanmetin,skilyrWumumgjald   ',BYolerekkifullngtoghttaerversnandifjrhagsstWuflagsinssekkigripiWtilrW {  stafana. nF @!81.gr.  @}}Flagsslit.    VerWistarfsleyfivtryggingaflagsafturkallaWskalFjrmlaeftirlitiWskipaYriggjamanna r skilastj;rnflagiW.Skilastj;rntekurviWllumheimildumstj;rnarogjafnframtfallaniWur e= heimildirhennar.Skilastj;rnskalYegarkallasamanhluthafafundogkynnahluthfumhvern 0 igkomiWer.  & a   FjrmlaeftirlitiWskal,aWhfWusamrWiviWskilastj;rn,takakvrWunumhvortflagiW  skulileitastviWaWflytjavtryggingastofnsinntileinseWafleirivtryggingaflagaeWahvort i 'a flagiWskulifreistaYessaWljkauppgjrivegnahansmeWWrumhtti.FjrmlaeftirlitiW \4 getur,YegarumlftryggingaflageraWrWa,kveWiWaWlftryggingastofninnstisrstakri ' meWferWskv.82.gr.    &  Skilastj;rnskalsamrWiviWFjrmlaeftirlitiWtakakvrWunumhvort;skaskuligjald  YrotaskiptaflaginueWahvortYaWskulirekiWfram.FjrmlaeftirlitiWgeturtakmarkaWeWa'~ `  bannaWrWstfunflagsyfirfjrmunumsnumoggertkrfuumaWflagiWverWitekiWtil S+! gjaldYrotaskiptateljiYaWlkuraWhagsmunumvtryggingartakaogvtryggWrasaWWrum " kostistefnthttu. #   Launskilastj;rnarogkostnaWurhennarskulugreiWastafeignumhlutaWeigandivtrygg  $ ingaflagssemkrafautanskuldaraWar.SamaviWumkostnaWvegnameWferWarkrfuFjr !W% mlaeftirlitsinsumgjaldYrotaskipti.FjrmlaeftirlitiWogskilastj;rneruundanYeginkvW J""& um2.mgr.67.gr.laganr.21/1991umgjaldYrotaskiptio.fl.,umaWleggjaframtryggingu #' tiltekinnarfjrhWarfyrirkostnaWi. #( @!82.gr. v%N!*   EfskipuWerskilastj;rnflagisemstundarlftryggingastarfsemiogkveWiWeraWlf A&"+ tryggingastofnYessskulistasrstakrimeWferWskalFjrmlaeftirlitiWYegarstaWtaka  '", snarvrslurYreignirsemmtaeigalftryggingaskuldinni,ltaendurreiknahanaogleggja '#- matverWmtieigna.LjkaskalgreiWslufallinnaogtilkynntralftryggingakrafnasam ( kvmtreglumsemgiltuWurenskilastj;rnvarskipuW.Lftryggingakrfur,semfallatilt  borgunarsWar,mgreiWataWYvmarkierFjrmlaeftirlitiWtelurforsvaranlegtmeWtilliti  tileignarstWu.Endurkauperu;heimilnemasemgreiWslalnumgegnveWilftryggingum a hjflaginu. T,   XegaraWloknuendurmatiskv.1.mgr.skalFjrmlaeftirlitiWleitatilannarralftrygginga  flagaumyfirtkulftryggingastofnsoglftryggingaskuldar.FjrmlaeftirlitiWskalmeta  framkomintilboWogveljaYaWsemYaWtelurhagkvmastfyrirvtryggWa.FjrmlaeftirlitiW   skaltilkynnaopinberlegaumhelstuatriWitilboWsinssemYaWhefurvaliWogskaljafnframt  X auglUsteftirathugasemdumfrvtryggingatkumogvtryggWumsemberastskuluskriflega K #  innaneinsmnaWarfrbirtingutilkynningarinnar.AWfengnumathugasemdumgeturFjr    mlaeftirlitiWframseltstofninnflagiYverFjrmlaeftirlitiWvaldisamteignumsemmta    eigalftryggingaskuldinni,endatekurviWtakandiYviWllumskuldbindingumvegnalf   trygginganna. wO    XeirvtryggingartakareWavtryggWir,semathugasemdirhafagertogeigiviljasamYykkja B  yfirfrsluna,eigarttaWfendurgreittverWmtilftryggingasinnaaWsvomikluleytisem    hlutfallslegeignhrekkurtil.     BeristekkitilboWlftryggingastofneWakomiekkiframYautilboWerFjrmlaeftirlitiW {  villmlameWskulueignirhinnavtryggWugreiddarYeimrttuhlutfalliviWverWmtilf nF tryggingaYeirra. 9 @!83.gr.    VerWikveWiWaWbeiWastgjaldYrotaskiptalftryggingaflagigildalgumgjaldYrota r skiptio.fl.,nr.21/1991,sekkiannanvegmltlgumYessum. e=   &  kvWi82.gr.umsrstakameWferWlftryggingastofnsinsgildaoggeturFjrmlaeftirlitiW 0 krafistallragagnafrYrotabinusemnauWsynlegerutilaWunntsaWljkauppgjrihans'0V  ogrWstfun.Aukopinberrartilkynningarskv.2.mgr.82.gr.skalFjrmlaeftirlitiWtilkynna  vtryggingatkum,vtryggWumogWrum,semkrfueigavtryggingaflagvegnav i tryggingasamningaoghafalgheimili,fastabsetueWaaWalstWvarWruaWildarrki,um \4 fyrirhugaWanflutningvtryggingastofnsins.SlktilkynningskalveratungumliYessrkis ' YarsemviWkomandilgheimili,hefurfastabsetueWaaWalstWvar.HafisrstkmeWferW  lftryggingastofnsveriWkveWinWurenbeiWstergjaldYrotaskiptahefurYaWekkihrif  framkvmdsamkvmtYessarigreinog82.gr. `    ViWgjaldYrotaskiptilftryggingaflagsskalhvorkiteljaeignirsemmtaeigalftrygg S+! ingaskuldinnimeWeignumYrotabsinsnlftryggingaskuldinameWskuldumYess.Hafiekki " tekistaWljkagreiWslulftryggingakrfumeWeignumYeimsemmtaeigalftrygginga # skuldinniferumlftryggingakrfunahendurYrotabiflagsinsskv.11.mgr.84.gr.  $   D;mst;llskalsjtilYessaWFjrmlaeftirlitinuverWitilkynntYegarstaWumframkomna !W% krfuumgjaldYrotaskiptilftryggingaflags.FjrmlaeftirlitiWskaltilkynnaWrumeftirlits J""& stj;rnvldumaWildarrkjaefbslksflagshefurveriWtekiWtilgjaldYrotaskipta. #'   BrskurWurd;mst;lsWruaWildarrkiumaWblftryggingaflagsmeWaWalstWvarYv #( rkistekiWtilgjaldYrotaskiptatekurtiltibaflagsinshrlandi. $ )   HeimildlftryggingaflagstilgreiWslustWvunareWanauWasamningsumleitanakemurekki v%N!* vegfyriraWunntsaW;skagjaldYrotaskiptaflaginu. A&"+   XegarblftryggingaflagshefurveriWtekiWtilgjaldYrotaskiptaskalFjrmlaeftirlitiWaW  '", fengnumupplUsingumskilastj;rnarskv.81.gr.tilkynnaopinberlegakvrWunumskipun '#- skilastj;rnar,innkllunvegnagjaldYrotaskiptannaogupplUsingarumhvaWalggildium ( gjaldYrotaskiptin.BtdrtttilkynningarinnarskaljafnframtbirtaStj;rnartWindumESB.    Skilastj;rnskaltilkynnalnardrottnisemlgheimili,hefurfastabsetueWaaWalstWvar  WruaWildarrkiumgjaldYrotaskiptilftryggingaflags.Fyrirsgntilkynningarinnarskal a veraInnkllunvegnagjaldYrotaskipta,krfulUsingarfresturllumtungumlumaWildar T, rkja.    0tilkynninguskilastj;rnarskv.8.mgr.tilvtryggingartaka,vtryggWraogannarrasem  krfueigaflagiWvegnalftryggingasamningaoghafalgheimili,fastabsetueWaaWal   stWvarWruaWildarrkiskalsrstaklegatekiWframhverhrifrskurWurumgjaldYrotaskipti  X hafilftryggingasamningogupplUsingarumrttindiogskyldurYeirra.Skaltilkynningin K #  veratungumliYessrkisYarsemviWkomandilgheimili,hefurfastabsetueWaaWal    stWvar.    & ,   Lnardrottnisemlgheimili,hefurfastabsetueWaaWalstWvarWruaWildarrkien   flagiWskalheimiltaWleggjaframkrfulUsingutungumliYessrkis.FyrirsgnkrfulUs wO  ingarskalY;veraslensku. B  ', !  Eftirlitsstj;rnvldumaWildarrkjaerheimiltaW;skaupplUsingaummeWferWYrotabslf    tryggingaflagshjFjrmlaeftirlitinu.     UmgjaldYrotaskiptitibslftryggingaflagsmeWaWalstWvarutanaWildarrkjafereftir {  slenskumlgum.HafiflagiWtibfleirieneinuaWildarrkiskallitiWhverttibsem nF sjlfstWanlgaWila.Eftirlitsstj;rnvldskuluY;samrmaaWgerWirogYaWsamaviWum 9 skilastj;rn.  @!84.gr. r   VerWikveWiWaWbeiWastgjaldYrotaskiptavtryggingaflagisemrekuraWrastarfsemi e= enlftryggingastarfsemigildalgumgjaldYrotaskiptio.fl.sekkiannanvegmltlgum 0 Yessum.    D;mst;llskalsjtilYessaWFjrmlaeftirlitinuverWitilkynntYegarstaWumframkomna  krfuumgjaldYrotaskiptivtryggingaflags.FjrmlaeftirlitiWskaltilkynnaWrumeftirlits i stj;rnvldumaWildarrkjaefbvtryggingaflagshefurveriWtekiWtilgjaldYrotaskipta. \4   & , BrskurWurd;mst;lsWruaWildarrkiumaWbvtryggingaflagsmeWaWalstWvarYv ' rkisemrekuraWrastarfsemienlftryggingastarfsemistekiWtilgjaldYrotaskiptatekureinn  igtiltibaflagsinshrlandi.  ','(  HeimildvtryggingaflagstilgreiWslustWvunareWanauWasamningskemurekkivegfyrir `  aWunntsaW;skagjaldYrotaskiptaflaginu. S+!   FjrmlaeftirlitiWskaljafnskj;ttogbiWhefurveriWtekiWtilgjaldYrotaskiptametahvort " hagsmunavtryggingartakaogvtryggWraverWibestgttmeWYvaWyfirfravtrygginga # stofnaaWlluleytieWaaWhlutatilannarseWaannarravtryggingaflaga.  $   BeristtilboWerFjrmlaeftirlitiWmeturhagkvmtfyrirvtryggingartakaogvtryggWa !W% skalYaWleggjaframtillguumflutningstofnsinsogbirtaopinberlegahelstuefnisatriWislks J""& samkomulags.EinnigskalauglUsaeftirathugasemdumvtryggingartakaogvtryggWraer #' berastskuluskriflegainnaneinsmnaWarfrbirtingutilkynningarinnar.FjrmlaeftirlitiW #( skaljafnframttilkynnavtryggingatkum,vtryggWumogWrum,semkrfueigavtrygg $ ) ingaflagvegnavtryggingasamningaoghafalgheimili,fastabsetueWaaWalstWvarWru v%N!* aWildarrki,umfyrirhugaWanflutningvtryggingastofnsins.Stilkynningskalveratungu A&"+  mliYessrkisYarsemviWkomandihefurlgheimili,fastabsetueWaaWalstWvar.AWteknu  '", tilliti& a  tilathugasemdaskalFjrmlaeftirlitiWaWfrestinumloknumtakakvrWunumhvort ( unntsaWyfirfravtryggingastofnaYannhttsemlagtertil.  'a(U0  XegarbvtryggingaflagshefurveriWtekiWtilgjaldYrotaskiptaskalFjrmlaeftirlitiWaW  fengnumupplUsingumskilastj;rnarskv.81.gr.tilkynnaopinberlegakvrWunumskipun a skilastj;rnar,innkllunvegnagjaldYrotaskiptannaogupplUsingarumhvaWalggildium T, gjaldYrotaskiptin.BtdrtttilkynningarinnarskaljafnframtbirtaStj;rnartWindumESB.    Skilastj;rnskaltilkynnalnardrottnisemlgheimili,hefurfastabsetueWaaWalstWvar  WruaWildarrkiumgjaldYrotaskiptivtryggingaflags.Fyrirsgntilkynningarinnarskal   veraInnkllunvegnagjaldYrotaskipta,krfulUsingarfresturllumtungumlumaWildar  X rkja. K #    0tilkynninguskilastj;rnarskv.8.mgr.tilvtryggingartaka,vtryggWraogannarrasem    krfueigavtryggingaflagvegnavtryggingasamningaoghafalgheimili,fastabsetu    eWaaWalstWvarWruaWildarrkiskalsrstaklegatekiWframhverhrifrskurWurumgjald   YrotaskiptihafivtryggingasamningogupplUsingarumrttindiogskyldurYeirra.Skaltil wO  kynninginveratungumliYessrkisYarsemviWkomandilgheimili,hefurfastabsetu B  eWaaWalstWvar.      Lnardrottnisemlgheimili,hefurfastabsetueWaaWalstWvarWruaWildarrkien   vtryggingaflagskalheimiltaWleggjaframkrfulUsingutungumliYessrkis.Fyrirsgn {  krfulUsingarskalY;veraslensku. nF   VtryggingakrfurhendurYrotabivtryggingaflagsinsskuluganganstundankrf 9 umskv.113.gr.lagaumgjaldYrotaskiptio.fl.    Eftirlitsstj;rnvldumaWildarrkjaerheimiltaW;skaupplUsingaummeWferWYrotabs  vtryggingaflagshjFjrmlaeftirlitinu. r   UmgjaldYrotaskiptitibsvtryggingaflagsmeWaWalstWvarutanaWildarrkjafereftir e= slenskumlgum.HafiflagiWtibfleirieneinuaWildarrkiskallitiWhverttibsem 0 sjlfstWanlgaWila.Eftirlitsstj;rnvldskuluY;samrmaaWgerWirogYaWsamaviWum  skilastj;rn.  @!& , 85.gr. \4   0slensklgskulugildaumgjaldYrotaskiptivtryggingaflagsnemaannanvegsfyrir ' mltYessarigrein.  ',\<  VinnusamningurskalfaraeftirlgumYessrkissemumvinnusamninginnogvinnusam  bandiWgilda. `    SamningurumnotkuneWakaupfasteignarskalfaraeftirlgumYessrkisYarsemfast S+! eigninerstaWsett. "   Rtturvtryggingaflagsvegnafasteignar,skipseWaflugvlarskalfaraeftirlgumYess # rkisYarsemopinberskrninghefurfariWfram.  $   BrskurWurumaWbvtryggingaflagsstekiWtilgjaldYrotaskiptaskalekkihafahrif !W% rttveWhafavegnaeignarrttindasemvoruWruaWildarrkiYegarrskurWurinnvarkveWinn J""& upp.0slensklggildaY;umrttindiogskylduraWilasemltaopinberueftirlitihrlendis. #'   HafivtryggingaflagkeypteignmeWeignarrttarfyrirvarahefurrskurWurumaWb #( vtryggingaflagsstekiWtilgjaldYrotaskiptaekkihrifrttindiseljandasembyggjast $ ) fyrirvaranumseignWruaWildarrki.GjaldYrotvtryggingaflagshefurekkihrifslu v%N!* vtryggingaflagseignhafiafhendingYegarfariWframogeigninveriWWruaWildarrki A&"+  YegarrskurWurumgjaldYrotaskiptivarkveWinnupp.  '",   &   XrttfyrirkvWi5.og6.mgr.erheimiltaWbeitakvWumIII.kaflalagaumsamn ( ingsgerW,umboWog;gildagerninga,nr.7/1936,eWakvWumXX.kaflalagaumgjald'(BYrota  skiptio.fl.,nr.21/1991,nemalggistirkisheimiliekkislkt.    & a HafivtryggingaflageftirrskurWumaWbvtryggingaflagsskulitekiWtilgjaldYrota a skiptaseltfasteign,skipeWaflugvlsemhWeropinberriskrningueWaframseljanlegverW T, 'aeDbrfeWannurverWbrfskrWskipulegumverWbrfamarkaWiskululgYessrkisYarsem  eignereWaYarsemhinopinberaskrninghefurfariWframgildaumlgmtilggerningsins.    UmhrifrskurWarumaWbvtryggingaflagsskulitekiWtilgjaldYrotaskiptamls   hfWunvegnaeignareWaannarrarttindasemvtryggingaflaghefurltiWafhendifereftir  X lgumYessaWildarrkisYarsemmliWvarhfWaW. K #    BrrWisemskilastj;rngeturbeittsamkvmtslenskumlgumhefurhnjafnframtWr    umaWildarrkjum.ViWbeitinguslkrarrWaWruaWildarrkiskalskilastj;rnY;faraeftir    lgumYessaWildarrkiseftirYvsemviW.   @!86.gr. B    XegartekinerkvrWunumfrjlsslitsamkvmtsamYykktumvtryggingaflagssemhr    hefurfengiWstarfsleyfiskalflagiWleggjafyrirFjrmlaeftirlitiWgreinargerWum;uppgerWar   vtryggingaskuldbindingarflagsinsoghvernhtttluninsaWljkaYeim. {    FjrmlaeftirlitiWskalmetaogtakakvrWunumhvorthagsmunumvtryggingartakaog nF vtryggWrateljistbestborgiWmeWflutningivtryggingastofnstilannarseWaannarraflaga, 9 svoogYegarumlftryggingastofneraWrWahvortstofninnskulistasrstakrimeWferW,sbr.  82.gr.    UmfrjlsslitvtryggingaflagsgildakvWi83.!85.gr.eftirYvsemviW. r   XIII.KAFLI 0  ViWurlg.   87.gr.  Stj;rnvaldssektir. i L  FjrmlaeftirlitiWgeturlagtstj;rnvaldssektirhvernYannsembrUturgegn: \4 ! ! q(#33q"i(m"  i(mN2#  1  .3  Ԉ0    2.mlsl.1.mgr.1.gr.varWandileyfisskyldastarfsemi,i(mNN݌' Ќ  "i(m"  i(mO2#  2  .3  Ԉ0    5.gr.umhvarmegifrumtryggjaogendurtryggjavtryggingarhttusemhrer,i(mOO݌ Ќ  "i(m"  i(mP2#  3  .3  Ԉ0    7.gr.umheimildtilaWberaheitisemgefurvtryggingastarfsemitilkynna,i(mPQ݌ Ќ  "i(m"  i(mR2#  4  .3  Ԉ0    11.!13.gr.umstarfsheimildir,i(mR>R݌`  Ќ  "i(m"  i(mS2#  5  .3  Ԉ0    1.mgr.28.gr.umleyfisums;kntilFjrmlaeftirlitsinsefvtryggingaflagmeWstarfs S+! leyfihrlandihyggsttakauppnUjangreinaflokkvtryggingaeWavtryggingagrein " eWabreytastarfsemisinniverulegumatriWum,i(mS