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X   SstofnaWtilflagsinsmeWYaWfyriraugumaWyfirtakavtryggingastarfsemieWavtrygg K #  ingastofnannarsvtryggingaflagsskalYessgetiWstofnsamningiogYaWtekiWframhvort    samningsdrgumyfirfrsluvtryggingastofnshafiveriWgerWogumfjllunFjrmlaeftir    litsinsliggifyrir,sbr.XI.kafla.     Skjl,semhafaaWgeymamikilvgefnisatriWisemekkikomaframstofnsamningi,skulu wO  festviWhannogteljasthlutistofnsamningsins. B    AllirsamningarumatriWi,semfjallaWerumstofnsamningienvoruekkisamYykktviW    gerWhans,eru;gildirgagnvartflaginu.   @!16.gr. nF   HlutirskulugreiddirreiWuf. 9   FjrmlaeftirlitiWgeturveittheimildtilaWgreiWslafariframmeWWrumhtti,endaliggi  fyrirmatsgerWsemFjrmlaeftirlitiWsamYykkir.    TeljiFjrmlaeftirlitiWstWutilaWtlaaWverWmtiframlagahafibreystfrYvaW r matsgerWvarframkvmdogstofnfundurerhaldinngeturYaWkrafistyfirlUsingarmatsmanna e= umverWmtiWeWanUrrarmatsgerWar. 0 @!17.gr.    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X   Ums;knumstarfsleyfiskalveraskriflegogskalsendFjrmlaeftirlitinuinnansexmn K #  aWafrdagsetningustofnsamnings.EftirfarandiggnogupplUsingarskulufylgjaums;kn:    ! ! q(#30"i(m"  i(m2#  1  .3  Ԉ0    Heitiflagsinsogflagsform.i(m?݌   Ќ  "i(m"  i(m 2#  2  .3  Ԉ0    StaWfestendurritstofnsamningsogfundargerWarstofnfundarrfundargerWab;k.i(m 9݌  Ќ  "i(m"  i(mB2#  3  .3  Ԉ0    SkryfirstofnenduroghlutafogstaWfestingYvaWYaWsinnborgaW,hverjireigi wO  virkaneignarhlutflaginuoghvemikinnoggreinargerWumnnurnintengslsem B  flagiWer.i(mBo݌   Ќ  "i(m"  i(m2#  4  .3  Ԉ0    DrgaWsamYykktumtilstaWfestingar.i(mB݌  Ќ  "i(m"  i(m2#  5  .3  Ԉ0    GreinaflokkarvtryggingaeWavtryggingagreinarsems;tterumleyfifyrir,sbr.21.og {  22.gr.,og23.gr.efumfyrirhugaWaendurtryggingastarfsemieraWrWa.i(mL݌nF Ќ  "i(m"  i(m2#  6  .3  Ԉ0    EfviW,skrumhliWarstarfsemisemflagiWhyggstreka,sbr.13.gr.i(m݌9 Ќ  "i(m"  i(m2#  7  .3  Ԉ0    Srstktlunumstarfsemina,sbr.25.gr.i(m݌ Ќ  "i(m"  i(m2#  8  .3  Ԉ0    StaWfestingYessaWflagiWuppfyllikvWi34.gr.umlgmarksfjrhWir.i(m ݌ Ќ  "i(m"  i(m*2#  9  .3  Ԉ0    ReiknigrundvlluriWgjalda,iWgjaldasj;Ws,g;Wathlutunar,endurkaupaoggjaldfrjlsra r lftrygginga,reglurumupplUsingarsemlftryggingartakaberaWveitasamkvmt e= kvWumXIII.kaflalagaumvtryggingarsamninga,nr.30/2004,oghliWstWggneftir 0 YvsemviWumheilsutryggingarsemreknarerusamkvmttknilegumgrundvelli  Yegars;tterumstarfsleyfiskv.22.gr.i(m*W݌ Ќ  "i(m "  i(m222#  10  .3  Ԉ0    VtryggingaskilmlarlgboWinnavtryggingaogupplUsingarumYrtegundirpers;nu i tryggingasemflagiWhyggstbj;Wa.i(m+݌\4 Ќ  "i(m "  i(m{222#  11  .3  Ԉ0    StaWfestingaWildaWAlYj;WlegumbifreiWatryggingum0slandisf.ogYtttkustarf ' semitj;nsuppgjrsmiWstWvarogupplUsingamiWstWvarss;ttumleyfiskv.10.tlul.  1.mgr.21.gr.JafnframtskalupplUstumtj;nsuppgjrsfulltraWrumaWildarrkjum.i(m{݌ Ќ    ViWmatums;knumstarfsleyfipers;nutryggingumskalYessgttaWreiknigrundvllur `  stryggurensanngjarngarWlftryggingartakaogrtthafa.Samagildirumreglurumg;Wa S+! hlutdeildogskiptinguhagnaWarogskulureglurYarumveraskUrarognkvmar.Vaxta " forsenduriWgjaldaogiWgjaldaskuldar,svoogkostnaWar-ogryggislag,skulukveWnarmeW # varfrnissj;narmiWhuga.IWgjldnUtryggingaskuluverangilegtilaWflagiWgetistaWiW  $ viWskuldbindingarsnarnYessaWsrstkaukningeiginfjrreynistnauWsynleg. !W%   kvWigreinarYessarareigaviWumums;knumstarfsleyfiflagsmeWsrstakantilgang, J""& ums;knumstarfsleyfiendurtryggingumogums;knumstarfsleyfitakmrkuWumendur #' tryggingum,eftirYvsemviWgeturtt. #( @!20.gr. v%N!* @O O StarfsleyfiflagsmeWsrstakantilgang. A&"+   FlagmeWsrstakantilganggeturstarfaWhrlandiaWfengnustarfsleyfiFjrmlaeftir  '", litsins,sbr.kvWi19.gr.,endauppfyllislktflagskilyrWireglumsemFjrmlaeftirlitiW '#-  setur.0reglumFjrmlaeftirlitsinsskuluskilyrWikomaframumeftirfarandi: (z$. ! ! q(#33 q"i(m"  i(m2#  1  .3  Ԉ0    &   GildissviWstarfsleyfis.i(m݌( Ќ  "i(m"  i(m2#  2  .3  Ԉ0    LgboWinskilyrWi'(6semskuluverallumtgefnumsamningum.i(m݌ Ќ  "i(m"  i(m2#  3  .3  Ԉ0    HfiYeirrasemrekaflagmeWsrstakantilgang.i(m݌ 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%݌T, Ќ  "i(m"  i(m;2#  6  .3  Ԉ0    Reikningsskil,varfrniogtlulegarupplUsingar.i(m;h݌ Ќ  "i(m"  i(mK2#  7  .3  Ԉ0    GjaldYol.i(mKx݌ Ќ    TeljiFjrmlaeftirlitiWstWutilaWsetjafrekariskilyrWifyrirstarfsemiflagsinsskulu   Yaukomaframstarfsleyfi.  X @!21.gr.    @ StarfsleyfiskaWatryggingum.      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KveWaskalumhvernigtryggjaskulihagsmunivtryggingartakagreiningsmliviW   vtryggingaflagiWsjlftreglugerWumrttaraWstoWarvtryggingar.  X @!22.gr.    @i i Starfsleyfipers;nutryggingum.      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XrttfyrirkvWi1.mgr.skallgmarksgjaldYolvtryggingaflagssemstundarstarfsemi {  frumtryggingumogendurtryggingumvera3millj;nirevraseittafeftirfarandiskilyrWum nF uppfyllt: 9 ! ! q(#33q"i(m"  i(m2#  1  .3  Ԉ0    HluturendurtryggingaiWgjldumrsinssminnst10%afheildariWgjldumrsins.i(m݌ Ќ  "i(m"  i(m2#  2  .3  Ԉ0    IWgjldrsinsendurtryggingumnemiminnst50millj;numevra.i(m ݌ Ќ  "i(m"  i(m 2#  3  .3  Ԉ0    Hluturvtryggingaskuldarvegnaendurtrygginganemiminnst10%afheildarvtrygg r ingaskuld.i(m %!݌e= Ќ    FjrhWirskv.1.!3.mgr.skulutakabreytingum31.desemberrhvertsamrmiviW 0 breytingarfr20.marsrhvertsamrmdrivsitluneysluverWsaWildarrkjumEESfr  gildinu111,2.FjrhWirskuluY;ekkibreytastnemihkkuninfrsWustubreytingulgra  hlutfallien5%. i   AWminnstakostiYriWjungurlgmarksgjaldYols,Y;ekkilgrifjrhWensegir1.mgr., \4 skalmyndaWurafgjaldYolsliWumskv.1.!5.tlul.1.mgr.31.gr.EinnigerheimiltaWtelja ' YargjaldYolsliWiskv.7.tlul.1.mgr.31.gr.aWfengnusamYykkiFjrmlaeftirlitsins.    ViWstofnunvtryggingaflagsogmeWanflagstarfargrundvelliframlagWrartlunar  umstarfsemina,sbr.25.eWa86.gr.,skaltilskiliWlgmarksgjaldYolreiknaWgrundvellitl `  unarinnarogendurskoWunarhennarefforsendurhennarbreytast. S+! @!35.gr. #   Btjfnunarsj;WurvegnagreiWsluvtrygginga,hvortsemerfrum-eWaendurtrygginga,  $ svarartilYeirrarfjrhWarsemlgWertilhliWartilaWmtasveiflumtj;nareynsluflagsins !W% frritilrssvoogvegna;vissuumendanlegarb;tafjrhWirsamanboriWviWmatYeirra J""& viWkvrWuntj;naskuldarinnarhverjusinni.:heimilteraWrWstafaarWirtjfnunarsj;Wi. #'   Xegarb;kfrWiWgjldaffrum-eWaendurtryggingumgreiWsluvtryggingumnemameira #( en4%afb;kfrWumiWgjldumflagssamanlagteWa2,5millj;numevraeWameira,skal $ ) rlegagjaldfraframlagtilmyndunartjfnunarsj;WsYessumgreinaflokki.Gjaldfrslan v%N!* skalhverjureikningsrinema75%afrekstrarniWurstWuYessaratrygginga,Y;aldreimeira A&"+ ennemur12%afb;kfrWumiWgjldumgreininni.FramlgskulufallaniWurnemit  '", jfnunarsj;Wur150%b;kfrWraiWgjaldaeinsogYauhafahstveriWeinurisWasta '#- fimmratmabili. (z$.  m)E%/ @!36.gr. ( @aaVtryggingaskuld.    VtryggingaskuldskalmetinYannigaWhnsamsvari;uppgerWumheildarskuldbindingum  vtryggingaflagsvegnagerWravtryggingarsamninga.0reglugerWumrsreikningogsam a stWureikningsskilvtryggingaflagaskulusettnnarikvWiummatvtryggingaskuldar. T,   Vtryggingaflagskal,aukYessaWuppfyllahverjumtmagjaldYolsskilyrWisamkvmt  lgumYessum,sjtilYessaWhverjumtmasufyrirhendieignir,srstaklegatilgreindar  tiljfnunarvtryggingaskuld.EignirnarskuluvaldarmeWtillititilryggis,vxtunarog   markaWsaWstWnaogskalflagiWtryggjafjlbreytniogdreifingueignanna.Skalhverju  X tilvikifyrirsigmetaYhttusemfelstYeimeignumsemtlaWeraWmtavtrygginga K #  skuldogsrstaklegameWtillititildreifingarYannigaWvgieinstakrategundaogeignaliWa    verWitakmarkaW.TakaskaltillittilYeirrarhttusemfelstfjrfestinguaftiltekinnitegund    ogtakmarkafjrhWirtiljfnunarvtryggingaskuldsamrmiviWYaW.     VtryggingaskuldhlutendurtryggjendaskalbyggjastkrfumendurtryggjenduraW wO  ildarrkissemfengiWhafastarfsleyfisamrmiviWlgYessi.Fjrmlaeftirlitinuerheimilt B  aWfenginniums;knvtryggingaflagsaWveitaundanYgufrYessuskilyrWiogsetjareglur    semtilgreinahvaWatilvikumsundanYgaerveitt.     SeftirYvleitaWskallftryggingaflagveitaupplUsingarumgrunnogaWferWirviWt {  reikninglftryggingaskuldar,m.a.g;Wajfnunarskuldar. nF   SetjaskalnnarikvWireglugerWumYrtegundireignasemteljamtiljfnunarv 9 tryggingaskuldogtjfnunarsj;Wifrumtryggingaflags,samsetninguYeirraogvgi.  @!37.gr. r   Frumtryggingaflagskalveljaeignirtiljfnunarvtryggingaskuldogtjfnunarsj;WimeW e= tillititilgengishttuYannigaWdregiWsrvgihennarsvosemkosturer.Xverheimilt 0 aWvaxtaeignirm;tialltaW20%vtryggingaskuldbindinga,semerutilteknumgjald  miWli,WrumgjaldmiWli.    EndurtryggingaflagskalsjtilYessaWhverjumtmasufyrirhendieignir,srstaklega i tilgreindartiljfnunarvtryggingaskuldogtjfnunarsj;Wi,semvaldarerumeWhliWsj;naf \4 eftirfarandireglum: ' ! ! q(#33q"i(m"  i(m92#  1  .3  Ԉ0    EignirnarskuluvaldarmeWhliWsj;nafrekstriendurtryggingaflagsins,einkumervarWar  eWli,fjrhWogtmalengdtlaWratj;nagreiWslna,ogskulutryggjangilegtmagn,  gjaldfrni,ryggi,gWi,arWsemiogjfnunfjrfestingaflagsins.i(m9C9݌`  Ќ  "i(m"  i(m,;2#  2  .3  Ԉ0    EndurtryggingaflagiWskaltryggjaaWeignirsufjlbreytilegaroghfilegadreifWar S+! semgerirYvkleiftaWbregWastmeWviWunandihttiviWbreytingumefnahagslegum " aWstWum,einkumYr;unfjrmla-ogfasteignamrkuWumogmeirihttarhamfrum. # FlagiWskalmetahrif;eWlilegraaWstWnamarkaWieignirYessogdreifaeignum  $ meWYaWaWmarkmiWiaWdragarslkumhrifum.i(m,;Y;݌!W% Ќ  "i(m"  i(m)>2#  3  .3  Ԉ0    FjrfestingeignumsemekkieruskrWarskipulegumverWbrfamarkaWiverWurvallt J""& aWverainnanvarfrnismarka.i(m)>V>݌#' Ќ  "i(m"  i(m?2#  4  .3  Ԉ0    FjrfestingafleiWusamningumskalveramgulegaWYvmarkisemYeirgetadregiWr #( fjrfestingarhttueWastuWlaWaWhagkvmristUringuvtryggingastofns.Xskalmeta $ ) varfrnisgrundvelli,meWhliWsj;nafeignunumsemliggjatilgrundvallar,ogfellainn v%N!* matiWeignumflagsins.FlagiWskaleinnigforWastaWtakamiklahttugagnvart A&"+ einumm;taWilaogannarriafleiddristarfsemi.i(m??݌ '", Ќ  "i(m"  i(mB2#  5  .3  Ԉ0    EignirnarskuluverangilegafjlbreytilegarYannigaWekkiverWitreyst;YarflegamikiW '#- einhverjaeinaeign,tgefandaeWasamstWuflagaoghttasafnistekkifyrireigna ( safninuheild.Fjrfestingareignumsemgefnarerutafsamatgefanda,eWatgef  endumsemtilheyrasmusamstWu,skuluekkileiWatilYessaWhttasafnistfyrirof  miklummlihjflaginu.i(mBB݌a Ќ    FjrmlaeftirlitiWseturreglurumskilyrWiYessaWkrfurflgmeWsrstakantilganggeti T, talistsemeignirtiljfnunarvtryggingaskuld.    VtryggingaflagiskalfrjlstaWvaxtaeignirsemekkierYrftiljfnunarvtrygginga  skuldaWteknutillititilvarfrnissj;narmiWaogaWuppfylltumskilyrWumumfullngjandi   gjaldYolflagsins.  X   StundivtryggingaflagbWifrumtrygginga-ogendurtryggingastarfsemioguppfylliYaW K #  eittafskilyrWum3.mgr.34.gr.skulukvWi2.mgr.gildavarWandieignirtiljfnunarv    tryggingaskuldendutryggingastarfsemi.HaldaskalYeimeignumaWskildumfreignumtil    jfnunarvtryggingaskuldfrumtryggingumoger;heimiltaWfraeignirmilli.   @!38.gr. B    Stj;rnvtryggingaflags,semfengiWhefurstarfsleyfihrlandi,skalsjtilYessaWf    lagiWhafiyfiraWrWangilegrisrYekkingutilYessaWmetaogreiknatvtryggingaskuld   flagsinsogtilaWsjumtryggingatknilegatreikningaogathuganirfyrirflagiW.Fjr {  mlaeftirlitiWgeturgertkrfuumaWaWilimeWsrfrWikunnttuYvsviWiverWirWinnaW nF vtryggingaflagiteljiYaWslkaYekkinguekkingilegummlifyrirhendihjflaginu. 9 @!39.gr.    LftryggingaflagskaltryggjasrYj;nustutryggingastrWfrWings,eWasrfrWingsmeW r sambrilegaYekkingu,semhefurhendinauWsynlegatryggingatknilegatreikningaog e= athuganirfyrirflagiW.SeinnmtakaaWsrslktstarffyrirlftryggingaflagsemhlotiW 0 hefurviWurkenninguFjrmlaeftirlitsins.    TryggingastrWfrWingurlftryggingaflagsskalreiknatvtryggingaskuld(lftrygginga  skuld)flagsins.HannskalfylgjastmeWYvaWfariWseftirreiknigrundvelliiWgjalda,iW i gjaldasj;Wsogg;WathlutunarogaWfylgtssettumreglumumkvrWunendurkaupsverWs \4 ogfjrhWagjaldfrjlsralftrygginga.Samagildirumsjkra-ogheilsutryggingarsemreknar ' erusamkvmttknilegumgrundvelli.    TryggingastrWfrWingurlftryggingaflagsgeturkrafistallragagnaogupplUsingaaf  flaginutilaWhanngetiinntstarfsittafhendi.HanngeturkrafistYessaWstj;rninsklluW `  samanoghefuraWjafnaWirtttilYessaWveraviWstaddurogtjsigfundumstj;rnarinnar. S+! ShannekkisammlakvrWunstj;rnarhefurhannrtttilaWltaskrlitsittgerWab;k " flagsins. # Ѐ  KomisttryggingastrWfrWinguraWYvstarfisnuaWlftryggingaflag,semhannstarfar  $ fyrir,fariekkieftirsettumreglumvarWandiframangreindatriWiskalhanntafarlausttilkynna !W% YaWFjrmlaeftirlitinu.FjrmlaeftirlitiWgeturkrafiWtryggingastrWfrWinglftrygginga J""& flagsumYrupplUsingarsemnauWsynlegareruvegnaeftirlitsmeWiWgjaldagrundvelli,lf #' tryggingaskuldogfjrhagsstWulftryggingaflags. #( @!40.gr. v%N!*   VtryggingaflagskalhverjumtmahafayfirsUnyfirYreignirsemerutiljfnunar A&"+ vtryggingaskuldogtjfnunarsj;Wi.ViWgerWfjrfestingarstefnuogm;tuninnraeftirlitsog  '", httustUringarskalfylgjakvWum36.og37.gr.UpplUsingarumeignirtiljfnunarv '#- tryggingaskuldskulursfj;rWungslegasendarFjrmlaeftirlitinuogWrumtmaefFjr ( mlaeftirlitiWtelurstWutil.    XrttfyrirkvWi1.mgr.geturFjrmlaeftirlitiWkveWiWaWupplUsingarvtrygginga  flagsumeignirtiljfnunarvtryggingaskuldsuaWjafnaWisendarYvrlegaefgjaldYol a flagsinserverulegaumframlgmarksgjaldYologstarfsemiflagsinsertakmrkuWviWsr T, hfWavtryggingastarfsemi.    VI.KAFLI    Virkureignarhlutur.Hlutabrf.Lnveitingar.######   X 41.gr. K #  TilkynningtilFjrmlaeftirlitsins.    X  AWilisemhyggsteignast,einnsreWasamstarfiviWaWra,virkaneignarhlutvtrygg    ingaflagiskaltilkynnaFjrmlaeftirlitinufyrirframumformsn.HiWsamaviWhyggist   aWili,einnsreWasamstarfiviWaWra,aukasvoviWeignarhlutsinnaWvirkureignarhlutur wO  fariyfir20%,25%,33%eWa50%eWanemisvost;rumhlutaaWvtryggingaflagverWitaliW B  d;tturfyrirtkihans.      0skriflegritilkynningutilFjrmlaeftirlitsinsskulufylgjaupplUsingarumeftirfarandi:   ! ! q(#33q"i(m"  i(m]2#  1  .3  Ԉ0    NafnogheimiliYesssemhyggsteignasteWaaukaviWvirkaneignarhlut.i(m]1]݌{  Ќ  "i(m"  i(m0^2#  2  .3  Ԉ0    NafnYessvtryggingaflagssemfyrirhugaWeraWfjrfesta.i(m0^]^݌nF Ќ  "i(m"  i(mS_2#  3  .3  Ԉ0    StrWYesshlutareWaatkvWisrttarsemfyrirhugaWeraWfjrfesta.i(mS__݌9 Ќ  "i(m"  i(m`2#  4  .3  Ԉ0    formumbreytingarverkefnumvtryggingaflags.i(m``݌ Ќ  "i(m"  i(ma2#  5  .3  Ԉ0    Fjrmgnunfjrfestingarinnar.i(maa݌ Ќ  "i(m"  i(mb2#  6  .3  Ԉ0    FjrhagsstWuYesssemhyggsteignasteWaaukaviWvirkaneignarhlut.i(mbb݌r Ќ  "i(m"  i(mc2#  7  .3  Ԉ0    FyrirhuguWviWskiptatengslYesssemhyggsteignasteWaaukaviWvirkaneignarhlutviW e= hlutaWeigandivtryggingaflag.i(mcc݌0 Ќ  "i(m"  i(m9e2#  8  .3  Ԉ0    ReynsluYesssemhyggsteignasteWaaukaviWvirkaneignarhlutaffjrmlastarfsemi.i(m9efe݌ Ќ  "i(m"  i(mrf2#  9  .3  Ԉ0    Eignarhald,stj;rnarsetueWaaWraYtttkuYesssemhyggsteignasteWaaukaviWvirkan  eignarhlutstarfsemilgaWila.i(mrff݌i Ќ  "i(m "  i(mg222#  10  .3  Ԉ0    RefsingarsemssemhyggsteignasteWaaukaviWvirkaneignarhluthefurveriWdmdur \4 tilaWstaoghvortviWkomandistiopinberriranns;kn.i(mgh݌' Ќ  "i(m "  i(mi222#  11  .3  Ԉ0    NintengslYesssemhyggsteignasteWaaukaviWvirkaneignarhlutviWaWralgaWila.i(mii݌ Ќ    42.gr. `  StaWfestingFjrmlaeftirlitsins. S+! j  EigisWarentveimurvirkumdgumeftirm;ttkutilkynningarskv.41.gr.skalFjrmla " eftirlitiWstaWfestam;ttkuhennar.TeljiFjrmlaeftirlitiWaWaflaYurfitarlegriupplUsinga # enYeirrasemupperutaldar2.mgr.41.gr.frYeimsemhyggsteignasteWaaukaviWvirkan  $ eignarhlutgeturYaWkrafiWviWkomandiumYr.SlkkrafaskalsettframeigisWarenfimm !W% tudgumeftirm;ttkutilkynningar.FjrmlaeftirlitiWhefursextudagatilYessaWmeta J""& hvortYaWtelurYannsemhyggsteignasteWaaukaviWvirkaneignarhluthfantilaWfarameW #' eignarhlutinn.S;skaWeftirviWb;tarupplUsingumfrviWkomandi,sbr.2.mlsl.Yessarar #( mlsgreinar,btistbiWeftirupplUsingunumviWYanndagafjlda,Y;ekkiumframtuttugu $ ) virkadaga. v%N!*   SssemhyggsteignasteWaaukaviWvirkaneignarhlutlgaWiliskuluupplUsingarskv. A&"+ 2.mgr.41.gr.eigaviWumlgaWilannsjlfan,stj;rnarmennhans,framkvmdastj;raogY  '", einstaklingaoglgaWilasemeigavirkaneignarhlutlgaWilanum.SkalYennfremurupp '#- lUstumendurskoWandalgaWilans.SkuluupplUsingarnarstuddarggnumeftirYvsemYaW ( viW.    FjrmlaeftirlitinuerheimiltaWveitaundanYgurfrskilumupplUsingumskv.2.mgr.  41.gr.hafilgaWiliekkitkaWaflaYeirraeWaefssemhyggsteignasteWaaukaviWvirkan a eignarhlutlUturopinberufjrmlaeftirlitiWrurkiogunnteraWaflasambrilegraupplUs T, ingafreftirlitsstj;rnvaldiYessrkis.    43.gr.   ViWmiW.  X [s  FjrmlaeftirlitiWleggurmathvortssemhyggsteignasteWaaukaviWvirkaneignarhlut K #  shfurtilaWeigaeignarhlutinnmeWtillititilheilbrigWsogtraustsrekstursvtryggingaf    lags.ViWmathfiviWkomandiskalm.a.hfWhliWsj;nafeftirfarandi:    ! ! q(#33 q"i(m"  i(mu2#  1  .3  Ԉ0    OrWsporiYesssemhyggsteignasteWaaukaviWvirkaneignarhlut.i(muu݌  Ќ  "i(m"  i(mv2#  2  .3  Ԉ0    OrWsporiogreynsluYesssemkemurtilmeWaWveitavtryggingaflaginuforstWukomi wO  tilhinnafyrirhuguWukaupaeWaaukningareignarhlutar.i(mv"w݌B  Ќ  "i(m"  i(mx2#  3  .3  Ԉ0    FjrhagslegubolmagniYesssemhyggsteignasteWaaukaviWvirkaneignarhlutv    tryggingaflaginu,einkummeWtillititilYessreksturssemvtryggingaflagiWhefurmeW   hndum.i(mxx݌{  Ќ  "i(m"  i(mUz2#  4  .3  Ԉ0    HvorteignarhaldYesssemhyggsteignasteWaaukaviWvirkaneignarhlutskaparhttu nF hagsmunarekstrumfjrmlamarkaWi.i(mUzz݌9 Ќ  "i(m"  i(m{2#  5  .3  Ԉ0    StrWYesshlutareWaatkvWisrttarsemssemhyggsteignasteWaaukaviWvirkan  eignarhluthyggstfjrfesta.i(m{{݌ Ќ  "i(m"  i(m@}2#  6  .3  Ԉ0    HvorttlamegiaWeignarhaldYesssemhyggsteignasteWaaukaviWvirkaneignarhlut r munitorveldaeftirlitmeWhlutaWeigandivtryggingaflagi.ViWmatYvskalm.a.horft e= tilfyrrisamskiptaYesssemhyggsteignasteWaaukaviWvirkaneignarhlutviWFjrmla 0 eftirlitiWeWannurstj;rnvld,tilYesshvortnintengslYesssemhyggsteignasteWa  aukaviWvirkaneignarhlutviWeinstaklingaeWalgaWilagetaaWmatiFjrmlaeftirlitsins  hindraWYaWeWlilegumeftirlitsaWgerWumoghvortlgogreglur,semgildaumYann i semhyggsteignasteWaaukaviWvirkaneignarhlut,hindraeWlilegteftirlit.i(m@}m}݌\4 Ќ  "i(m"  i(mU2#  7  .3  Ԉ0    HvorttlamegiaWeignarhaldYesssemhyggsteignasteWaaukaviWvirkaneignarhlut ' munileiWatilpeningaYvttiseWafjrmgnunarhryWjuverkaeWagetiaukiWlkuraW  slktathfiverWiltiWviWgangastinnanhlutaWeigandivtryggingaflags.i(mU݌ Ќ  "i(m"  i(mz2#  8  .3  Ԉ0    HvortssemhyggsteignasteWaaukaviWvirkaneignarhluthefurgefiWFjrmlaeftir `  litinuumbeWnarupplUsingarsamtfylgiggnumogYrupplUsingarhafareynstrttar.i(mz݌S+! Ќ  "i(m"  i(m+2#  9  .3  Ԉ0    RefsingumsemssemhyggsteignasteWaaukaviWvirkaneignarhluthefurveriWdmd " urtilaWstaoghvortviWkomandistiopinberriranns;kn.i(m+X݌# Ќ    44.gr. !W% MatogtilkynningFjrmlaeftirlitsins. J""&   TeljiFjrmlaeftirlitiWYannsemhyggsteignasteWaaukaviWvirkaneignarhlutekkihfan #' tilYessaWfarameWeignarhlutinnskalYaWtilkynnaviWkomandiumYaW.FjrmlaeftirlitiW #( skalrkstyWjaniWurstWusnafyrirviWkomandi.TeljiFjrmlaeftirlitiWvafaleikahfiYess $ ) semhyggsteignasteWaaukaviWvirkaneignarhluterYvY;heimiltaWsetjaskilyrWifyrirYv v%N!* aWviWkomandifjrfestingusekkihafnaW,m.a.aWviWkomandigrpitilrWstafanaYvskyni A&"+ aWtakmarkaskaWleghrifafeignarhaldihans,aWeignarhaldiWsfaliWsrstkueignarhalds  '", flagisemhafiekkiaWrastarfsemimeWhndumeWaaWhanntilnefnieinstaklingasemFjr '#- 9@ 9  9  mlaeftirlitiWmeturhfasemfulltrasnastj;rn.SkilyrWiYessiskulukomaframstaW ( festinguFjrmlaeftirlitsinstilYesssemhyggsteignasteWaaukaviWvirkaneignarhlutum  aWYaWsetjisigekkiuppm;tifyrirhugaWrifjrfestingu.    NiWurstaWaFjrmlaeftirlitsinsskalveraskriflegogtilkynntYeimsemhyggsteignasteWa a aukaviWvirkaneignarhluteigisWarentveimurvirkumdgumeftiraWniWurstaWanlfyrir. T, LigginiWurstaWaFjrmlaeftirlitsinsekkifyririnnanYesstmafrestssemkveWiWerum1.  mgr.42.gr.skallitiWsvoaWFjrmlaeftirlitiWhafiekkiathugasemdirviWfyrirtlanirYess  semhyggsteignasteWaaukaviWvirkaneignarhluthlutaWeigandivtryggingaflagi.Setji   FjrmlaeftirlitiWskilyrWifyrirYvaWssemhyggsteignasteWaaukaviWvirkaneignarhlut  X megifarameWeignarhlutinnogYaukomaframtilkynningutilhans,skalhannstaWfestaaW K #  hannmuniuppfyllaskilyrWiYess.      HafissemhyggsteignasteWaaukaviWvirkaneignarhluteigirWistYrfjrfestingar    semhannhafWitilkynntFjrmlaeftirlitinuinnansexmnaWafrYvaWniWurstaWaYessl   fyrirskalhanntilkynnaYvaWnUjuumfyrirhugaWafjrfestingusna.kvWi41.!43.gr. wO  gildaYumYtilkynninguogviWbrgWFjrmlaeftirlitsinsviWhenni. B    EfssemhyggsteignasteWaaukaviWvirkaneignarhlutervtryggingaflageWafjrmla    fyrirtkimeWstarfsleyfiWruaWildarrkieWam;WurflagslksaWilaeWaeinstaklingureWa   lgaWilisemhefuryfirrWyfirslkumaWila,ogefflagiWsemYessiaWilihyggstWlastvirkan {  eignarhlutyrWid;tturflaghanseWalytiyfirrWumhanskjlfarflunarYessaeignarhlutar, nF skalFjrmlaeftirlitiWhafasamrWviWviWeigandieftirlitsstj;rnvldsamrmiviW18.gr., 9 WurenniWurstaWaYesserkunngerW.    45.gr. r TilkynningaWilaekkisend. e= ,  NtilkynniraWilisemhyggsteignasteWaaukaviWvirkaneignarhlutFjrmlaeftirlitinu 0 ekkiumfyrirhuguWkaupsneWaaukninguvirkumeignarhlut,YrttfyriraWhonumsYaW  skyltskv.41.gr.,ogfellurYniWuratkvWisrttursemfylgirYeimhlutumsemeruumfram  YaWsemhannttiWur.GeturFjrmlaeftirlitiWkrafistYessaWhlutaWeigandisendiinntil i kynningusamrmiviWkvWi41.gr.UmmlsmeWferWferaWWruleytiskv.42.!44.gr. \4 GeriFjrmlaeftirlitiWekkiathugasemdirviWaWviWkomandiaWilieignisteWaaukiviWvirkan ' eignarhlutWlasthannatkvWisrttsamrmiviWeignarhlutasinn.Beristtilkynninghlut  aWeigandiekkiinnanfjgurraviknafrYvaWFjrmlaeftirlitiWkrafWisttilkynningargetur  YaWkrafistYessaWhannseljiYannhlutaeignarhlutarinssemerumframYaWsemhanntti `  Wur.SkalFjrmlaeftirlitiWsetjatmamrkYvskyniogskalfresturinnekkiveraskemmri S+! entveirmnuWir.ShluturekkiseldurtilskildumtmaerFjrmlaeftirlitinuheimiltaW " beitaaWiladagsektumsamkvmtlgumumopinberteftirlitmeWfjrmlastarfsemi. #   46.gr. !W% :hfuraWilieignasthlut. J""&   EignistaWilieWaaukiviWvirkaneignarhlutYrttfyriraWFjrmlaeftirlitiWhafikomistaW #' YeirriniWurstWuaWhannsekkihfurtilaWeignasteWaaukaviWhlutsinnfellurniWur #( atkvWisrtturaWilaumframlgmarkYesshlutarsemtelstvirkureignarhlutur.ViWkomandi $ ) aWilaerskyltaWseljaYannhlutaeignarhlutarinssemerumframleyfilegmrkogniWurstaWa v%N!* Fjrmlaeftirlitsinst;ktil.SkalFjrmlaeftirlitiWsetjatmamrkYvskyniogskalfrest A&"+ urinnekkiveraskemmrientveirmnuWir.ShluturekkiseldurtilskildumtmaerFjr  '", mlaeftirlitinuheimiltaWbeitaaWiladagsektumsamkvmtlgumumopinberteftirlitmeW '#- fjrmlastarfsemi.AWiliWlastfyrriatkvWisrttaWslulokinni. (z$.  m)E%/   47.gr. ( HmlurmeWferWhlutarmeWantmafresturstendur.    Kaupvirkumeignarhlutkomaekkitilframkvmdagagnvartvtryggingaflaginusem  umrWirfyrrenniWurstaWaFjrmlaeftirlitsins,sbr.44.gr.,liggurfyrir.meWanFjrmla a eftirlitiWhefurekkitilkynntumniWurstWusna,eWatmafresturskv.42.gr.erekkiliWinn, T, erYeimsemhyggsteignasteWaaukaviWvirkaneignarhlut;heimiltaWtakaYttkvrWun  umumgrundvallarbreytingarfjrhagslegristWu,eignauppbyggingu,rekstri,starfsemiog  innristarfsreglumnemaaWfengnusrstkusamYykkiFjrmlaeftirlitsins.     48.gr. K #  TilkynningeigandaumaWilaskipti.    Y  HyggisteigandivirkseignarhlutardragasvorhlutafjreignsinnieWaatkvWisrttiaW    hanneigiekkivirkaneignarhluteftirYaWskalhanntilkynnaYaWFjrmlaeftirlitinufyrirfram   ogeinnighvereignarhluturhansmuniverWa.FarieignarhluturinnniWurfyrir20%,25%, wO  33%,50%eWasvomikiWaWvtryggingaflagiWhttiraWverad;tturfyrirtkihlutaWeigandi B  skalYaWeinnigtilkynnt.SamaviWefhlutfallslegureignarhlutureWaatkvWisrtturrUrnar    vegnahlutafjraukningar.     49.gr. nF TilkynningvtryggingaflagsumaWilaskipti. 9 |  XegarhlutafjreignvtryggingaflagiferyfireWaundirYaumrksemtilgreinderu41.  gr.skalstj;rnYesstilkynnaFjrmlaeftirlitinuumYaWnstWulaussdrttar.    50.gr. e= UpplUsingaskylda. 0   FjrmlaeftirlitiWgeturkrafisthverskonargagnaogupplUsingafreinstaklingumeWa  lgaWilumsemeigaeWafarameWeignarhlutvtryggingaflagiYvskyniaWmetahvortYeir  teljasthfirtilaWfarameWvirkaneignarhlutsamkvmtYessarigrein.FjrmlaeftirlitiWget i urkrafistsmuupplUsingafreinstaklingumeWalgaWilumsemhafaselteignarhluteWahaft \4 millignguumviWskiptimeWeignarhlut.LagakvWiumYagnarskyldutakmarkaekkiskyldu ' tilYessaWveitaupplUsingarogaWgangaWggnum.    EigisjaldnareneinusinniriskalvtryggingaflagtilkynnaFjrmlaeftirlitinuumY  hluthafasemeigavirkaneignarhlutYvogumhlutafjreignhversYeirra. `    51.gr. " Raunverulegureigandi. #   LeikivafiYvaWmatiFjrmlaeftirlitsinshvers,eWaverWi,raunverulegureigandivirks  $ eignarhluta,skalYaWtilkynnaviWkomandiaWilaogvtryggingaflaginuaWYaWteljiviWkom !W% andiaWilaekkihfantilYessaWfarameWeignarhlutinn. J""&   52.gr. #( RWstafanirtengdarvirkumeignarhlut. $ )   SaWilasemvirkaneignarhlutvtryggingaflagisvofariWeWafarihannYannigmeW v%N!* hlutsinnaWskaWiheilbrigWanogtraustanreksturYessaWmatiFjrmlaeftirlitsinsgeturYaW A&"+ gripiWtileftirfarandirWstafana:  '", ! ! q(#33 q"i(m"  i(mV2#  1  .3  Ԉ0    kveWiWaWYeimhlutfylgiekkiatkvWisrttur.i(mV݌'#- :@ :  :  ь  "i(m"  i(m2#  2  .3  Ԉ0    LagtfyrirhlutaWeigandivtryggingaflagaWgrpatilrWstafanasemdragarskaWlegum ( hrifumhluthafans.i(m݌ Ќ  "i(m"  i(m2#  3  .3  Ԉ0    Lagtfyrirflagsstj;rnhlutaWeigandivtryggingaflagsaWboWatilhluthafafundarYar  semhttsemihluthafansskaltekinfyrir.SkalfulltraFjrmlaeftirlitsinsheimiltaW a skjafundinnogtakaYartilmls.i(mL݌T, Ќ    ViWmatYvhvortgripiWskulitilrWstafanaskv.1.mgr.skalm.a.hfWhliWsj;nafYeim  atriWumsemgreinir43.gr.AWaukiskalhfWsrstkhliWsj;nafYvhvortstaWaeWahtt  semiviWkomandiaWilastilYessfallinaWrUratraustalmenningshlutaWeigandivtrygg   ingaflagiverWihnopinber.  X   FjrmlaeftirlitinuerheimiltaWgrpasenntilfleirieneinnarafYeimrWstfunumsem K #  tilgreindareru1.mgr.YykiYaWnauWsynlegt.      TeljiFjrmlaeftirlitiWaWnintengslhindrieftirlitmeWstarfsemivtryggingaflagsskal    YaWfaraframaWtengslinverWistraxrofin,nemaYaWteljiaWrarrWstafanirfullngjandi.   @!53.gr. B    Hlutabrf.Lnveitingar.      Vtryggingaflagmsjlftaldreieigameiraen10%eiginhlutafjr.AtkvWisrtturfylgir   ekkihlutabrfumsemvtryggingaflagsjlft. {    Vtryggingaflagier;heimiltaWveitalnsemtryggWerumeWveWihlutabrfumeWa nF skuldabrfumtgefnumafYv.SamagildirumaWrasamningasundirliggjandihtta 9 eiginbrf.    MegigreiWanUjahlutimeWskuldajfnuWieWaannanhttenmeWreiWufviWhkkun  hlutafjrskulureglurYaraWltandikomaframkvrWunhluthafafundarumhkkuninaog r gildirkvWi16.gr.eftirYvsemviWgeturtt.kvrWunumaWinnborgunnUrrahlutageti e= fariWframmeWskuldajfnuWiskalhlj;tasamYykkiFjrmlaeftirlitsins. 0   AllarkvarWanirumlkkunhlutafjrvtryggingaflagiskuluhWarsamYykkiFjrmla  eftirlitsins.    VII.KAFLI \4  Stj;rn.EndurskoWunogreikningsskil.  ' 54.gr.  Stj;rn.    0vtryggingaflagi,semfengiWhefurstarfsleyfihrlandi,skalstj;rnkjrinaWalfundi `  samkvmtkvWumsamYykktaflagsinsogveraskipuWYremurmnnumhiWfsta.Kj;sa S+! skaljafnmargavaramenn.Stj;rninhefuralmennteftirlitmeWYvaWstarfsemiflagsinsfari " aWlgumogsamYykktum,YarmeWaleftirlitmeWb;khaldiogrWstfunfjrmunaflagsins. # Stj;rninskalsetjareglur,semstaWfestarskuluafFjrmlaeftirlitinu,uminnraeftirlit,innri  $ endurskoWun,fjrfestingarstarfsemi,lnveitingarogviWskiptiviWtengdaaWila.Stj;rninber !W% samtframkvmdastj;rabyrgWYvaWskipulagflagsinsoginnraeftirlitsfullngjandi J""& ogYvaWflagiWgetilagtframupplUsingarsemYrfertileftirlitsmeWYv.Fjrmlaeftir #' litiWgetursettalmennarreglurumfyrirkomulaginnraeftirlitsvtryggingaflgum. #(   Stj;rnskalsetjasrstarfsreglurYarsemnnarskalkveWiWumframkvmdstarfastj;rn $ ) arinnar.0reglumYessumskalfjallaWsrstaklegaumheimildirstj;rnartilaWtakakvarWanir v%N!* umeinstkviWskipti,framkvmdreglnaumsrstakthfistj;rnarmanna,meWferWstj;rnar A&"+ upplUsingumumeinstakaviWskiptamenn,setustj;rnarmannastj;rnumd;tturflagaog  '", hlutdeildarflagaogframkvmdreglnaummeWferWviWskiptaerindastj;rnarmanna.Reglur '#-  YessarskalsendatilFjrmlaeftirlitsins.###Y### (z$.   &   Stj;rnarmennogframkvmdastj;rarskuluverabsettirhrlandi,eWaWruaWildarrki, ( veralgrWaoghafa'(;flekkaWmannorWogmegaekkisWustufimmrumhafaveriWr  skurWaWirgjaldYrotaeWatengslumviWatvinnureksturhlotiWd;mfyrirrefsiverWanverknaW  samkvmtalmennumhegningarlgum,samkeppnislgum,lgumumhlutaflg,lgumum a einkahlutaflg,lgumumb;khald,lgumumrsreikninga,lgumumgjaldYrotaskiptio.fl. T, ogkvWumlagaumgreiWsluopinberragjalda,svoogsrlgumsemgildaumaWilasemlta  aWopinberueftirlitimeWfjrmlastarfsemi.FjrmlaeftirlitinuerheimiltaWveitaundanYgu  frbsetuskilyrWumendasmeirihlutistj;rnarmannabsetturhrlandi.####     Stj;rnarmennogframkvmdastj;rarskuluverafjrhagslegasjlfstWiroghafalokiW  X hsk;lapr;fisemnUtiststarfi.FjrmlaeftirlitiWgeturveittundanYgufrmenntunarkrfum K #  skv.1.mlsl.grundvellireynsluogYekkingarviWkomandi.Jafnframtskulustj;rnarmenn    ogframkvmdastj;rarbayfirngilegriYekkinguogstarfsreynslutilaWgetagegntstWu    sinnitilhlUWileganhtt,m.a.hafaYekkinguYeirristarfsemisemvtryggingaflagiW   stundar.XeirmegaekkihafasUntafsrhttsemifyrristrfumsnumsemgefurtilefnitil wO  aWdragaefahfniYeirratilaWstandafyrirtraustumogheilbrigWumrekstrieWaaWYeirmis B  notiaWstWusnaeWaskaWiflagiW.FjrmlaeftirlitiWseturreglurumfjrhagslegtsjlfstWi    stj;rnarmannaogframkvmdastj;raogumhvernigstaWiWskuliaWhfismati.     Xmegastj;rnarmennekkieigastistj;rnannarsvtryggingaflagseWaaWilatengdra {  Yvnverastarfsmenn,lgmenn,endurskoWendureWatryggingastrWfrWingarannars nF vtryggingaflagseWatengdraflaga. 9   XrttfyrirkvWi4.mgr.geturstj;rnarmaWureWastarfsmaWurvtryggingaflags,sam  kvmtheimildFjrmlaeftirlitsins,tekiWstistj;rnannarsvtryggingaflags,fjrmla  fyrirtkiseWafjrmlasamsteypuefumeraWrWad;ttur-eWahlutdeildarflagvtrygginga r flagsinseWaflagsemerd;tturflageWahlutdeildarflagflagsmeWyfirrWvtrygginga e= flaginu.Heimildirtilstj;rnarsetuskv.1.mlsl.skuluhWarYvaWstj;rnarsetanskapiekki, 0 aWmatiFjrmlaeftirlitsins,httuhagsmunarekstrumfjrmlamarkaWi.0Yessusam  bandiskalm.a.horfttileignarhaldsaWilaogtengslaflagsinssemumrWirviWaWraaWila  fjrmlamarkaWisvooghvorttengslingetiskaWaWheilbrigWanogtraustanreksturvtrygg i ingaflags. \4   Stj;rnarformannivtryggingaflagier;heimiltaWtakaaWsrnnurstrffyrirflagiW ' enYausemteljasteWlilegurhlutistarfahanssemstj;rnarformanns,aWundanskildumeinstk  umverkefnumsemflagsstj;rninfelurhonumaWvinnafyrirsig.    Stj;rninboWartilaWalfunda.SekkiboWaWtilaWalfundarsemhaldaskalsamrmiviW `  lg,samYykktireWakvrWunaWalfundarboWarFjrmlaeftirlitiWtilhansaWkrfustj;rnar S+! manns,framkvmdastj;ra,endurskoWandaeWaaWilasematkvWisbreraWalfundi.Fjr " mlaeftirlitiWtilnefnirfundarstj;raogskalstj;rninafhendahonumskryfirYsemat # kvWisbrireru,gerWab;kaWalfundaogendurskoWunarb;k.FlagiWgreiWirkostnaWviWaWal  $ fundinn. !W%   Fistj;rnarmenneWaframkvmdastj;rarY;knuneWaaWrartekjurafvtryggingum,sem J""& flagiWyfirtekureWalturafhendi,vegnaYtttkuumboWs-eWamiWlunarstarfsemieWa #' vegnafjrhagslegrahagsmunaslkristarfsemiskalFjrmlaeftirlitinusendtilkynningYar #( aWltandi. $ )   Stj;rnm;WurflagsberaWtilkynnaFjrmlaeftirlitinuYegarmynduWerflagasamstWa v%N!* ogvtryggingaflagWlastyfirrWWruflagi.Einnigskaltilkynnaverulegarbreytingar A&"+  skipulagisamstWuYegarYrgangagildi.  '",   &   Stj;rnvtryggingaflagsskalsetjaverklagsreglurumverWbrfaviWskiptiflagsins,stj;rn ( arYessogstarfsmanna.'(    Stj;rnogframkvmdastj;riskuluntafargeraFjrmlaeftirlitinuviWvarthafiYeirvitn  eskjuummlefnisemhafarslitaYUWingufyrirframhaldandistarfsemiflagsins. a @!55.gr.    rsreikningskalsemjafyrirhvertreikningsr.rsreikningurskalhafaaWgeymarekstrar  reikning,efnahagsreikning,sj;WstreymiogupplUsingarumliWiutanefnahagsreiknings.   EinnigskalsemjaskUrslustj;rnarsemsamtrsreikningimyndareinaheild.Reikningsr  X vtryggingaflagseralmanaksriW.rsreikningurskalgefaglggamyndaffjrhagsstWu K #  ogrekstrarafkomuvtryggingaflagsogskalgerWursamrmiviWlg,settarreikningsskila    reglurogsettaralYj;Wlegarreikningsskilareglur.      rsreikningurogskUrslastj;rnarskuluundirrituWafstj;rnogframkvmdastj;ra.Hafi   stj;rnarmaWureWaframkvmdastj;rim;tbrurframaWfraskalviWkomandiundirritameW wO  fyrirvaraoggeragreinfyrirYvskUrslustj;rnarhvaWfelstfyrirvaranum. B    rsreikningursamtskUrslustj;rnarskalliggjaframmitilafhendingarafgreiWslustaW    vtryggingaflagseftirsamYykkthansaWalfundi.     EfrsreikningurvtryggingaflagserekkisamrmiviWlgogsettarreikningsskila {  reglurgeturFjrmlaeftirlitiWkrafistbreytingareikningnumogaWhannverWitekinnnU nF tilumfjllunarflagsfundiogskalflaginuYsetturhfilegurfrestur.FjrmlaeftirlitiW 9 skalbirtaopinberlegameginniWurstWurrsreiknings.    HeimilteraWkveWannarumformoginnihaldrsreikningsogumsamstWureiknings  skilreglugerW. r @!56.gr. 0 @ EndurskoWunogreikningsskil.    rsreikningurvtryggingaflagsskalendurskoWaWurafendurskoWanda.AWalfundurkUs  endurskoWendursamrmiviWsamYykktirflags.SvtryggingaflagiWhlutiflaga i samstWuskalendurskoWandiverasameiginlegurfyrirsamstWunaheild.EfumeraWrWa \4 flagafYvtagisemgetiWer2.mgr.13.gr.geturFjrmlaeftirlitiWgertkrfuumaWa.m.k. ' einnendurskoWandissameiginlegurfyrirllflgin.    EndurskoWandimekkieigastistj;rn,verastarfsmaWurvtryggingaflagseWastarfa  YguYessaWWruenendurskoWun.Hannmekkiveraskuldugurflaginu,hvorkisem `  skuldarinbyrgWarmaWur,ogsamagildirummakahans. S+!   EndurskoWendurflagseigarttaWsitjastj;rnar-ogflagsfundivtryggingaflagiog " erskyltaWmtaaWalfundiskistj;rneWaatkvWisbrmaWurYess. #   :heimilteraWkj;sasamaendurskoWandaeWaendurskoWunarfyrirtkioftarenfimmr  $ rW. !W% @!57.gr. #'   EndurskoWendumvtryggingaflagserskyltaWveitaFjrmlaeftirlitinuYrupplUsingar #( umframkvmdogniWurstWurendurskoWunarerYaW;skar.XeimereinnigskyltaWgera $ ) FjrmlaeftirlitinutafarlaustviWvartfiYeirstarfisnufyrirflagiWeWaYsemvtrygg v%N!* ingaflagiWernnumtengslumviWvitneskjuum: A&"+ ! ! (g03q"i(m"  i(m2g  a  .3  Ԉ0    lklegbrotYeirrilggjfsemgildirumstarfsemiflagsins,i(m݌ '", Ќ  "i(m"  i(m2g  b  .3  Ԉ0    mlefnisemkunnaaWhafarslitaYUWingufyrirframhaldandistarfsemiflagsins,i(m݌'#- Ќ  "i(m"  i(m)2g  c  .3  Ԉ0    athugasemdireWafyrirvararitunrsreikning.i(m)V݌( Ќ    UpplUsingarsemendurskoWandiveitirFjrmlaeftirlitinusamkvmtkvWumYessarar  greinarteljastekkibrotlgbundinnieWasamningsbundinniYagnarskyldu.  @!58.gr. T,   VtryggingaflagsemfengiWhefurstarfsleyfihrlandiskalinnan10dagafrundirritun  oginnanYriggjamnaWafrlokumreikningsrssendaFjrmlaeftirlitinuendurskoWaWanog  undirritaWanrsreikningflagsins.FjrmlaeftirlitiWskalsetjannarireglurumYauggn   semfylgjaeigarsreikningiumstarfseminaognauWsynlegerutilaWunntsaWframfylgja  X eftirlitisamrmiviWlgYessi. K #  @!59.gr.      Rekivtryggingaflag,semfengiWhefurstarfsleyfihrlandi,tibeWaveitiYj;nustu   erlendisskalYaWltaFjrmlaeftirlitinutupplUsingarumiWgjaldamagn,tj;nakostnaWog wO  umboWslaunnfrdrttarhlutendurtryggjendameWskiptingueinstkrkiogstarfsemi B  YarsemtiberrekiWogYarsemYj;nustaerveitt.EinnigskalskiptinggerWeftirgreina    flokkumsamkvmtnnarireglumsemFjrmlaeftirlitiWsetur.UpplUsingarYessarumstarf   semiaWildarrkjumskulurlegasendarhlutaWeigandieftirlitsstj;rnvldumgistirkja. {    FjrmlaeftirlitiWskalaflahliWstWraupplUsingaumstarfsemierlendravtryggingaflaga nF aWildarrkjahrlendisfreftirlitsstj;rnvldumhlutaWeigandiheimarkja. 9 @!60.gr.    EinungiserheimiltaWthlutasemarWihagnaWisamkvmtsamYykktumrsreikningisW r astareikningsrs,yfirfrWumhagnaWifrfyrrirumog;bundnufeftiraWdregiWhefur e= veriWfrtapsemekkihefurveriWjafnaW,svoogYaWfsemsamkvmtlgumogsamYykkt 0 umskallagtsrstakasj;Wi,endaslj;staWflagiWuppfyllikrfurumtilskiliWlgmarks  gjaldYol,YesshafiveriWgttaWleggjatilhliWarngilegtffyrirvtryggingaskuldflagsins,  svoogaWsettumreglumummateignumflagsinsogfyrninguYeirrahafiveriWfylgt. i   VIII.KAFLI '  Eftirlit.   61.gr.    FjrmlaeftirlitiWhefureftirlitmeWYeimerrekastarfsemisemhWerkvWumlagaYess `  araogtibumerlendravtryggingaflagasemfengiWhafastarfsleyfihrlandi.Umeftir S+! litiWfersamkvmtlgumYessumoglgumumopinberteftirlitmeWfjrmlastarfsemi. "   TeljiFjrmlaeftirlitiWaWstarfsemisamkvmtlgumYessumsstunduWntilskilinna # leyfageturYaWkrafistgagnaogupplUsingahjviWkomandiaWilumsemnauWsynlegerutil  $ aWgangarskuggaumhvortsvos.GeturYaWkrafistYessaWslkristarfsemishttYegar !W% staW.JafnframterYvheimiltaWbirtaopinberleganfnaWilasemtaldirerubj;WaYj;nustu J""& ntilskilinnaleyfa. #' @!62.gr. $ )   FjrmlaeftirlitiWskalrlegakannagjaldYologlgmarksgjaldYolvtryggingaflaga v%N!* grundvellirsreikningafyrirnstliWiWreikningsrogannarranauWsynlegragagnaogupplUs A&"+ ingaumstarfsemina.EinnigskalkannaaWlagaWgjaldYologlgmarksgjaldYolvtrygginga  '", flagaogm;WurflagaYeirraefviW.FjrmlaeftirlitiWgetursniWsrtild;ttur-oghlut '#- deildarflagavtryggingaflags,flagasemhafayfirrWyfireWaeigahlutdeildvtrygg ( ingaflaginuogtild;ttur-oghlutdeildarflagaYeirraflagatilaWaflanauWsynlegragagna  hafivtryggingaflagiWsjlftekkistaWiWFjrmlaeftirlitinuskilYeim.ViWkomandifyrir  tkiskalYegarverWaviWbeiWniumslkggn.EinugildirhvorteignaraWilderbeineWa a ;bein.GgninmsannreynameWathugunstaWnum,hjvtryggingaflaginusjlfueWaWr T, umflgumsmuflagasamstWu.FjrmlaeftirlitiWgeturgrundvelliniWurstWuknn  unarsinnarlkkaWgjaldYolsliWifrmativtryggingaflags,einkumYegarmarkaWsverW  YeirrahefurlkkaWeWaer;vissuundirorpiW.EinnigmdragarhrifumendurtryggingaviW   treikninglgmarksgjaldYolsskv.32.og33.gr.hafiorWiWverulegbreytingendurtrygg  X ingarverndfrYvtmabilisemtreikningurlgmarksgjaldYolsmiWastviW,eWaef;veruleg K #  vtryggingarhttaerflutttilendurtryggjenda.FjrmlaeftirlitiWmeturhvortskilyrWi31.!34.    gr.,eftirYvsemviW,suuppfyllt.AWteknutillititil32.!34.gr.erFjrmlaeftirlitinuheim    iltaWgerakrfuumhrralgmarksgjaldYolsrstkumtilvikumYegarYaWteluraWhags   munumvtryggingartakasstefnthttuvegnaversnandifjrhagsstWuflagsinseWaeig wO  endaaWvirkumeignarhlutYv.HafiFjrmlaeftirlitiWathugasemdirframaWfraskalYaW B  tilkynntflaginu.SnauWsynlegtaWgrpatilsrstakrarWstafanavegnaYessaeigakvWi    XII.kaflaviW.     FjrmlaeftirlitiWleggurrlegamatvtryggingaskuldvtryggingaflaga,YarmeWal {  hvorttekiWsfullngjandihtttillittil;vissumatimeWnauWsynlegulagiogaWskil nF yrWumumYaWsemlagterframtiljfnunarvtryggingaskuldinnisfullngt,sbr.36.og37. 9 gr.VtryggingaflgskuluggnumtilFjrmlaeftirlitsinsmeWrsreikningigeragreinfyrir  YvhvernigvtryggingaskuldinerkveWinoghvaWaeignirerutilgreindartilaWmtahenni.  FjrmlaeftirlitiWgetursettreglurummatvtryggingaskuldinnioghvaWaggnskulifylgja r Yvsambandi,aukrsreiknings. e=   FjrmlaeftirlitiWfylgistmeWviWskiptumvtryggingaflagsviWd;ttur-oghlutdeildarflg 0 Yess,flgsemhafayfirrWyfireWaeigahlutdeildvtryggingaflaginuogviWnnurd;ttur-  oghlutdeildarflgYeirraflaga.JafnframtskalFjrmlaeftirlitiWfylgjastmeWviWskiptum  vtryggingaflagsviWeinstaklingasemeiga20%hluteWastrriframangreindumflgum. i SrstaklegaskalfylgjastmeWlnum,byrgWumogliWumutanefnahagsreiknings,efnahags \4 liWumsemmyndaWgetahlutaafgjaldYoli,fjrfestingum,endurtryggingaviWskiptumog ' samningumumkostnaWarskiptingu.    VtryggingaflgskuluhafatilstaWarviWeigandihttustUringarferla,innraeftirlitskerfi  semfelursrreiWanlegaupplUsingagjfogb;khaldsferlatilaWgreina,mlaogstUra `  viWskiptumsamrmiviW3.mgr.rlegaskuluvtryggingaflgskilaFjrmlaeftirlitinu S+! skUrsluumslkviWskiptiogYferlaogkerfisemnotkunerueftirnnarikvrWunYess.Su " viWskiptinviWfyrirtkieWaeinstaklingaWrumrkjumferumsamstarfeftirlitsstj;rnvalda # eftiralYj;Wasamningumsem0slanderaWiliaWogsamstarfssamningumsemFjrmlaeftirlitiW  $ gerirgrundvelliYeirra. !W%   Frivtryggingaflagb;khaldsitterlendrimyntskalYaWsendaFjrmlaeftirlitinuupp J""& lUsingarumfjrhagslegatriWi,sbr.58.gr.,umreiknaWarinnlendamynt. #'   FjrmlaeftirlitiWgeturkrafisthverskonargagnaogupplUsingafrd;tturfyrirtkjumeWa #( hlutdeildarfyrirtkjumeWaWrumaWilumsemteljastnnumtengslumviWvtryggingaflag, $ ) endateljiFjrmlaeftirlitiWupplUsingarnarnauWsynlegareftirlitisnumeWvtryggingaflag v%N!* inu. A&"+    '", @!& a  63.gr. (   FjrmlaeftirlitiWhefureftirlitmeWaWfjrmlasamsteypurfariaWkvWumlagaYessara.  FjrmlaeftirlitiWseturnnarireglurumtilgreiningu'a(@fjrmlasamsteypumogeftirlitmeW  Yeim.FjrmlaeftirlitiWgeturogsettalmennarreglurumtilhguninnraeftirlitsfjrmla a samsteypum.FjrmlaeftirlitiWgeturaW;skeftirlitsstj;rnvaldaWrurkistaWreyntupplUs T, ingarfraWilumhrlandisemfallaundireftirlitmeWfjrmlasamsteypum.ViWkomandi  eftirlitsstj;rnvldumerheimiltaWtakaYttvinnuviWaWstaWreynaslkarupplUsingar.  @!64.gr.  X   FjrmlaeftirlitiWskal,eftirYvsemkosturer,fylgjastmeWvtryggingaskilmlumsem K #  boWieruhrlandioggtaYessaWYeirsusamrmiviWlgsemhrgildaogg;WaviW    skiptahtti.TeljiFjrmlaeftirlitiWaWsvosekkiskalYaWgerakrfuumaWslkumkvW    umverWibreytteWaYauverWiafnumin.SkylteraWsendaFjrmlaeftirlitinuskilmlalg   boWinnavtrygginga,svoogbreytingarYeimWurenYeireruboWnirvtryggingamarkaWi. wO    FjrmlaeftirlitiWhefureftirlitmeWiWgjaldagrundvellivtryggingameWYaWfyriraugum B  aWiWgjld,semboWieruhrlandi,susamrmiviWYhttusemvtryggingumfelst    ogeWlileganrekstrarkostnaW.Fullngjandiggnumreiknigrundvlllftryggingaogheilsu   trygginga,svoogbreytingarYeim,skulusendFjrmlaeftirlitinuWurenYessirgreina {  flokkareruboWnirvtryggingamarkaWi. nF   Flgsemfstarfsleyfiskv.73.gr.skulusendaFjrmlaeftirlitinuupplUsingarskv.1.og 9 2.mgr.,aukskilmlaogiWgjaldagrundvallarannarravtryggingagreina.    FjrmlaeftirlitiWhefureftirlitmeWviWskiptahttumvtryggingaflagasemfengiWhafa  starfsleyfihrlandi,slustarfsemiYeirraogtj;nsuppgjri.EinnigskalFjrmlaeftirlitiW r hafaeftirlitmeWrekstrarfyrirkomulagi,b;khaldi,innraeftirlitioghttustUringuvtrygg e= ingaflaga.FjrmlaeftirlitiWskalgeraYrkannanirsemYaWtelurnauWsynlegarYessuefni 0 hjvtryggingaflgum.XaWskaleinnigaWYessuleytifylgjastmeWstarfsemivtrygginga  flagaaWildarrkjasemgrundvellistarfsleyfisheimarkisfheimildtilaWbj;Wavtrygg  ingarhrlandiogkomaframfriathugasemdumviWhlutaWeigandiflageWaeftirlits i stj;rnvldheimarkisefmeWYarftilrb;tavegnaYesssemFjrmlaeftirlitiWteluraWr \4 skeiWishafifariW. ' @!65.gr.    FjrmlaeftirlitinuerheimiltaWbirtaopinberleganiWurstWurmlumogathugunumer `  varWakvWilagaYessara,nemaefslkbirtingverWurtalinstefnahagsmunumfjrmlamark S+! aWarinshttu,varWarekkihagsmunihanssemslkseWaveldurhlutaWeigandiaWilumtj;ni " semekkiereWlilegusamrmiviWYaWbrotsemumrWir.FjrmlaeftirlitiWskalbirtaopin # berlegaYstefnusemeftirlitiWfylgirviWframkvmdslkrarbirtingar.  $   IX.KAFLI J""&  Starfsemierlendravtryggingaflagahrlandi.  #' 66.gr. #( ErlendvtryggingaflgmeWaWalstWvaraWildarrki. $ ) %  ErlendvtryggingaflgmeWaWalstWvaraWildarrkisemhlotiWhafastarfsleyfihlutaW v%N!* eigandieftirlitsstj;rnvaldagetastofnsetttibhrlandiendasYeimheimiltaWrekav A&"+ tryggingastarfsemismugreinaflokkumvtryggingaogvtryggingagreinumheimarki  '", snu. '#-   :skifrumtryggingaflageftiraWstofnatibhrlandi,sbr.8.gr.,skalFjrmlaeftirlitiW ( aflaeftirfarandiupplUsingaoggagnahjeftirlitsstj;rnvldumheimarkis:  ! ! q(#30"i(m"  i(m:)2#  1  .3  Ԉ0    tlunarumfyrirhugaWastarfsemiogskipulagtibsinshrlandiogstaWfestingar  YessaWflagiWhafistarfsleyfiYeimgreinaflokkumogvtryggingagreinumsemfyrir a hugaWeraWrekahrlandi.i(m:)g)݌T, Ќ  "i(m"  i(m"+2#  2  .3  Ԉ0    HeimilisfangstibsinsYarsemskipaWurfulltriflagsinshefuraWseturoggagnaer  aflaWumstarfseminaogllggnerusendtil.i(m"+O+݌ Ќ  "i(m"  i(m,2#  3  .3  Ԉ0    NafnsskipaWsfulltratibsinssemhefurheimildtilaWskuldbindaflagiWgagnvart   YriWjaaWilaogkemurframfyrirYesshndgagnvartd;mst;lumhrlandi.i(m,,݌ X Ќ  "i(m"  i(mM.2#  4  .3  Ԉ0    StaWfestingaraWildaWAlYj;WlegumbifreiWatryggingum0slandisf.ogYtttku K #  starfsemitj;nsuppgjrsmiWstWvarogupplUsingamiWstWvarsamkvmtumferWarlgum    ss;ttumleyfiskv.10.tlul.1.mgr.21.gr.JafnframtskalupplUstumtj;nsuppgjrs    fulltrahverjuaWildarrkiutan0slands.i(mM.z.݌  Ќ  "i(m"  i(m02#  5  .3  Ԉ0    VottorWseftirlitsstj;rnvaldaumaWskilyrWiumgjaldYolvegnastarfsemiflagsinsheild wO  suuppfylltogathugasemdavegnafyrirhugaWrarstarfsemiefeinhverjareru.i(m00݌B  Ќ  "i(m"  i(my22#  6  .3  Ԉ0    VtryggingaskilmlalgboWinnavtryggingasemtibiWhyggstrekahrlandiog    YegarviWtknilegsgrundvallarlftryggingaogheilsutrygginga.i(my22݌  Ќ    WurentibfrumtryggingaflagshefurstarfsemihrlandiskalFjrmlaeftirlitiWupp {  lUsaeftirlitsstj;rnvldheimarkisumalmennskilyrWiefeinhvererusemumvtrygginga nF starfsemitibsinseigaaWgildahrlandiogumkvWiervarWaalmannaheill. 9   FjrmlaeftirlitiWskalinnantveggjamnaWafrYvaWframangreindggnhafaborist  tilkynnaaWflaginusheimiltaWsetjastofntibiWogmYaWaWYvbnuhefjastarfsemi.    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A&"+   AllarbreytingarvarWandi2.!5.tlul.2.mgr.skalflagiWtilkynnaFjrmlaeftirlitinumeW  '", a.m.k.einsmnaWarfyrirvara. '#- ;@" ; W ;    Flag,semveitirYj;nustunstarfsstWvarskv.10.tlul.1.mgr.21.gr.,skalsjtilYess ( aWYeirsemkrfueigab;tumvegnatj;nshrlandisuekkilakarsettirenaWrirvegna  YessaWstarfsstWerekkifyrirhendi.Fulltriskv.4.tlul.2.mgr.skalaflaallranauWsyn  legragagnavegnatj;nsoghafaallarheimildirtilaWgreiWabturogkomaframfyrirhnd a flagsinshrlandi.HonumskaleinnigskyltaWveitalgbrumaWilumhrlandiupp T, lUsingarumhvortlgmltarkutkjatryggingarsufyrirhendiogumgildistma.  @!68.gr.     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J""&   Umrttindiogskyldurvtryggingartaka,vtryggWraogannarrasamkvmtvtryggingar #' samningumfrumtryggingaflagaferskv.4.mgr.82.gr. #(   FjrmlaeftirlitiWskalltatlitsittinnanYriggjamnaWafrYvaWbeiWniumflutn $ ) inginnbarst,ellaskallitiWsvoaWafstaWaYesstilflutningsinssjkvW. v%N!* @!71.gr.  '",   Afturkallieftirlitsstj;rnvldheimarkisstarfsleyfiflagssemhefurtibeWaveitirYj;n '#-  ustuhrlandiskalFjrmlaeftirlitiWaWfenginnitilkynninguYarumgeraviWeigandirW (z$. stafanirtil&   aWkomavegfyriraWflagiWstofnitilfrekarivtryggingarsamningahrlandi. ( Skalhaftsamstarf'(WviWhlutaWeigandieftirlitsstj;rnvldYvskyniaWtryggjahagsmuniv  tryggingartakaogvtryggWrasvosemkosturerogeigakvWi69.gr.viWumtakmrkuneWa  bannviWfrjlsrirWstfuneignaYegarnauWsynkrefur. a @!72.gr.    Vtryggingaflag,semhrrekurtibeWaveitirYj;nustu,skaltilkynnatilvtrygginga  flagaskrrallarbreytingarYeimatriWumsemkveWiWerum30.gr.ogviWgetatt.S   gerWnUrekstrartlunskv.25.gr.skalhneinnigsend.  X   FjrmlaeftirlitiWgeturgertkrfuumaWllggn,semberaWsendaeftirlitinuvegnastarf K #  seminnarhrlandi,suslenskuYUWingulggiltsskjalaYUWanda.      73.gr.   ErlendvtryggingaflghrlandimeWaWalstWvar wO  utanEvr;pskaefnahagssvWisins. B  ;\  ErlendvtryggingaflgmeWaWalstWvarutanaWildarrkissemleyfihafatilaWrekav    tryggingastarfsemiheimalandisnugetafengiWleyfiFjrmlaeftirlitsinstilaWrekastarf   semitibihrlandisamrmiviWlgYessiendahafislenskvtryggingaflgekkilak {  arirttheimalandiYeirra. nF   WurenvtryggingaflgmeWaWalstWvarutanaWildarrkisfstarfsleyfihrlandiskulu 9 aWilaraWsamningnumumEvr;pskaefnahagssvWiWhafasamrWumleyfisveitinguna.    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B;khaldsggnognnurggnviWvkjandistarfsemitibsinsskuluvarWveitttibinu  sjlfu. `    kveWammeWsamningumviWeitteWafleiriYriWjurkiaWbeitaWrumkvWumum S+! eftirlitmeWstarfsemitibsinsensegirlgumYessumaWYvtilskilduaWhinumvtryggWu " stryggWngilegogsambrilegvernd.Ekkimslkumsamningumveitatibumflaga # meWaWalstWvarutanaWildarrkjarUmriskilyrWientibumvtryggingaflagameWaWal  $ stWvarYar.SamrWskalhaftviWnnuraWildarrkiumsamningaafYessutagiogYauupplUst !W% umYWurenYeirerugerWir. J""& @!74.gr. #(   Ums;knumstarfsleyfiogumskrninguvtryggingaflagaskrskalsendFjrmlaeftir $ ) litinuogggnskv.19.!25.gr.skulufylgjaums;kneftirYvsemviWgeturttognauWsynleg v%N!* erutilYessaWYaWgetimetiWums;knina.SUnishornvtryggingaskilmlaogiWgjaldagrund A&"+  vallarYeimgreinumsemflagiWhyggstrekahrlandiskulueinnigfylgjaums;kn.  '",   &   FlagiWskaluppfyllaskilyrWiV.kaflaumfjrhagsgrundvllermiWastviWstarfsemiYess ( hreftir'(iYvsemviW,Y;YannigaWgjaldYolYessnemialdreiminnaenhelmingiviWeigandi  fjrhWarskv.34.gr.SkalflagiWhafahrlandifjrmuniernemahelmingifjrhWarinnar  skv.34.gr.eWaYriWjungilgmarksgjaldYols,hvortsemhrraer,enfjrmunirYarumfram a uppaWlgmarksgjaldYoliskuluvarWveittiraWildarrki.SameiginlegteftirliteinsaWildarrkis T, meWgjaldYolifyrirlltibflagsinsaWildarrkjumgeturkomiWstaWYeirraraWferWarsem  lUsterYessarimlsgreinogskalfyrirkomulageftirlitsverasamrmiviWsamstarfssamning  aWildarrkja.GildaYkvWi68.gr.umeftirlitmeWgjaldYolitibannaeftirYvsemviW.     FjrhWsamsvarandifj;rWungiYesslgmarkssemkrafister34.gr.skallgWframsem  X geymslufupphafiogvarWveittstaWsemFjrmlaeftirlitiWsamYykkir.GeymslufWskal K #  einungisnotaWtilaWtryggjaaWflagiWgetistaWiWviWskuldbindingarsnarvegnagerWrav    tryggingarsamningahrlandi.EinstakirvtryggWir,eWaaWrirrtthafarsamkvmtvtrygg    ingarsamningi,getaekkigertkrfuumfullnustugreiWslunemaaWYvmarkisemYaWaWmati   FjrmlaeftirlitsinsskerWirekkirttannarravtryggWra,eWartthafa,tilfullnustuvtrygg wO  ingaskuldbindingumflagsins. B    FlagiWskalvaxtahrlandifjrmuniersamsvaravtryggingaskuldYessvegnastarf    seminnarhreinsogYrerusamkvmttreiknings-ogmatsreglumergildahrlandi.     FjrmlaeftirlitiWskalupplUsaviWeigandieftirlitsstj;rnvldaWildarrkjumogEftirlits {  stofnunEFTAumYaW,WurenafstaWaertekintilums;knarinnar,Yegard;tturflagm;Wur nF flagsmeWaWalstWvarYriWjarkiskirumstarfsleyfihrlandiogefaWilarWlast,beint 9 eWa;beint,hlutvtryggingaflagimeWstarfsleyfihrlandiYannigaWhiWsWarnefnda  verWid;tturflaghinsfyrrnefnda.  @!75.gr. e=   AWalumboWsmaWurskalsendaFjrmlaeftirlitinursreikninghinserlendaflags,svoog 0 rsreikningvegnastarfseminnarhrlandi,eigisWarenmnuWieftiraWYeirhafaveriWsam  YykktirsamtrsskUrslumeWundirritunstj;rnarogritunendurskoWanda.rsreikningur  vegnastarfseminnarhrlandiskalberasteigisWarenYremurmnuWumeftirlokreikn i ingsrs.TilskilinggnsamkvmtreglumsemFjrmlaeftirlitiWseturskulufylgja,Yar \4 meWalggnskv.36.og37.gr.umYreignirsemkomaeigam;tivtryggingaskuldinni. ' kvWiVII.kaflagildaeftirYvsemviWgeturttumtibiW.    AWalumboWsmaWurskalntafartilkynnaFjrmlaeftirlitinuskriflegagerieftirlitsstj;rn  vldheimalandiflagsinsathugasemdviWstarfsemiYess,hafigreiWslustWvunveriWkveW `  in,kvrWunveriWtekinumaWsltaflaginueWabYesstekiWtilgjaldYrotaskipta. S+! @!76.gr. #   Brj;tiflagiWlgogreglugerWirumvtryggingastarfsemieWavanrkiskyldursnarsam  $ kvmtYeimYannigaWhagsmunumvtryggingartakaogvtryggWrasstefnthttu,skal !W% FjrmlaeftirlitiWveitaflaginutiltekinnfresttilaWgeranauWsynlegarrWstafanirtilrb;ta. J""& HafifullngjandirWstafanirekkiveriWgerWarinnanYessfrestsogteljiFjrmlaeftirlitiWaW #' hagsmunirvtryggingartakaogvtryggWrasuhttugetureftirlitiWtnefntnUjanaWal #( umboWsmanntilaWljkaviWskiptumoguppgjrivegnastarfseminnarhrlandi.Hefurhann $ ) YvskynileyfitilrWstfunareignumflagsinshrlandiaWYvmarkierFjrmlaeftir v%N!* litiWheimilar. A&"+   kvWiXI.ogXII.kaflagildaeftirYvsemviWgeturttumtibiW.  '",  '#- @!77.gr. (   FjrmlaeftirlitiWgeturafturkallaWstarfsleyfiflagsinsuppfylliflagiWekkilengurskil  yrWifyrirstarfsleyfinueWavanrkigr;flegaskyldursnarsamkvmtlgumYessum.    XegarstarfsleyfiflagserafturkallaWtekurFjrmlaeftirlitiWkvrWunumhvortYess a skulifreistaWaWyfirfravtryggingastofninntileinseWafleirivtryggingaflagasemreka T, vtryggingastarfsemihrlandieWahvortflagiWskuliannanhttreynaaWljkaskuld  bindingumsnumvegnavtryggingarsamningasemgerWirhafaveriW.Xegarrekinerlftrygg  ingastarfsemigeturFjrmlaeftirlitiWkveWiWaWlftryggingastofninumverWikomiWundir   srstakastj;rn,sbr.92.gr.  X   ViWafturkllunstarfsleyfiflagsgeturFjrmlaeftirlitiWtakmarkaWeWabannaWflaginu K #  yfirrWyfirfjrmunumsnumogeignum.    @!78.gr.     FlagiWskalmWrvtryggingaflagaskrmissiYaWstarfsleyfiskv.77.gr.,endasviW wO  skiptumYessoguppgjriskuldbindingahrlandiaWfullulokiW. B    TilkynniflagaWYaW;skieftiraWhttastarfsemihrlandiogaWstarfsstWYessverWi    mWrvtryggingaflagaskrskalYaWYvaWeinsgertaWFjrmlaeftirlitiWltiaWstarfs   stWinYurfiekkiaWstarfaframvegnaskuldbindingasemhennihvla.Samagildirseng {  innaWalumboWsmaWurflagsinshrlandiogenginnhafiveriWtnefndurinnanfrestssem nF FjrmlaeftirlitiWhefursett.GetureftirlitiWYtnefntaWalumboWsmannsamrmiviW 9 kvWi76.gr.    LeysamgeymslufsemlagtertilhliWarskv.74.gr.Yfyrsterstarfsleyfiflagsinshefur  veriWafturkallaWogflagiWgetursannaWaWstaWiWhafiveriWviWallarskuldbindingarflags r inshrlandi,eWaaWfullngjanditryggingfyrirskuldbindingumhafiaWmatiFjrmla e= eftirlitsinsveriWlgWfram. 0   X.KAFLI   ErlendstarfsemivtryggingaflagasemfengiWhafastarfsleyfihrlandi.  i 79.gr. \4 E  FrumtryggingaflagsemfengiWhefurstarfsleyfihrlandiog;skareftiraWstarfrkja ' tibWruaWildarrkiskaltilkynnaYaWFjrmlaeftirlitinuogleggjaframeftirfarandiggn:  ! ! q(#33q"i(m"  i(m2#  1  .3  Ԉ0    HeitiogheimilisfangtibsinsYarsemskipaWurfulltriflagsinshefuraWsetur.i(mՊ݌ Ќ  "i(m"  i(mߋ2#  2  .3  Ԉ0    NafnskipaWsfulltratibsinssemhefurheimildtilaWskuldbindaflagiWgagnvart `  YriWjaaWilaogkomaframYessvegumgagnvartd;mst;lumaWildarrkinu.i(mߋ ݌S+! Ќ  "i(m"  i(m2#  3  .3  Ԉ0    tlunumfyrirhugaWastarfsemiogskipulagtibsins.i(m݌" Ќ  "i(m"  i(m2#  4  .3  Ԉ0    SkryfirYgreinaflokkavtryggingaogvtryggingagreinarsemflagiWhyggstreka.i(mю݌# Ќ  "i(m"  i(mڏ2#  5  .3  Ԉ0    YfirlUsinguumaWflagiWsaWiliaWlandsskrifstofuogefviWaWsrstkumbyrgWar  $ sj;WiviWkomandiaWildarrkiYegarfyrirhugaWeraWrekastarfsemiskv.10.tlul.1. !W% mgr.21.gr.i(mڏ݌J""& Ќ    HafiFjrmlaeftirlitiWekkiathugasemdirframaWfravarWandifyrirhugaWastarfsemi, #' fjrhagsstWueWahfiogfaglegakunnttustj;rnendaeWahinsskipaWafulltratibsinsskal #( FjrmlaeftirlitiW,innanYriggjamnaWafrYvaWllframangreindggnhafaborist,senda $ ) eftirlitsstj;rnvldumgistirkisggninsamtvottorWiumaWflagiWuppfylliskilyrWium v%N!* gjaldYolskv.31.!34.gr.eftirYvsemviW.JafnframtskalflaginusendtilkynningumaW A&"+  umrddggnhafiveriWsend.  '",   &   FjrmlaeftirlitiWgeturltiWhjlWaaWsendaggnskv.1.og2.mgr.hafiYaWstWutil ( aWdraga'(efaaWrekstrarleguppbyggingeWafjrhagsstaWasviWhltandisemundirstaWa  fyrirhugaWrarstarfsemi.TilkynningumaWframangreindggnverWiekkisendeftirlitsstj;rn  vldumviWkomandiaWildarrkisskalsendflaginuinnanYriggjamnaWaogstWurYess a tilgreindarskriflega. T,   FlagiWmstofnsetjatibiWoghefjastarfsemiYegarorWsendinghefurboristfreftirlits  stj;rnvldumgistirkiseWaefenginslkorWsendinghefurboristtveimurmnuWumeftiraW  llggnskv.1.og2.mgr.hafaboristtilYeirra.     AllarbreytingarvarWandiatriWi1.mgr.skalflagiWtilkynnaFjrmlaeftirlitinuogeftir  X litsstj;rnvldumYvrkisemtibiWhefurstarfsemiskriflegameWa.m.k.einsmnaWar K #  fyrirvara.    @!80.gr.     :skifrumtryggingaflagsemfengiWhefurstarfsleyfihrlandieftiraWveitaYj;nustu wO  WruaWildarrkinYessaWhafaYarstarfsstWskalflagiWtilkynnaYaWFjrmlaeftirlitinu B  samtupplUsingumumhvaWagreinaflokkumvtryggingaeWavtryggingagreinumfyrir    hugaWeraWveitaYj;nustu.FjrmlaeftirlitiWskalinnanmnaWarsendaeftirlitsstj;rnvldum   hlutaWeigandiaWildarrkiseftirtalinggnogskalflaginujafnframttilkynntaWupplUsing {  arnarhafiveriWsendar: nF ! ! q(#33q"i(m"  i(m2#  1  .3  Ԉ0    VottorWumaWgjaldYolvegnastarfsemiflagsinsheildsfullngjandi.i(m݌9 Ќ  "i(m"  i(m 2#  2  .3  Ԉ0    SkryfirYgreinaflokkavtryggingaogvtryggingagreinarsemflagiWhefurleyfitil  aWreka.i(m M݌ Ќ  "i(m"  i(my2#  3  .3  Ԉ0    SkryfirgreinaflokkaogvtryggingagreinarsemflagiWhyggstrekaaWildarrkinu.i(my݌r Ќ  "i(m"  i(m2#  4  .3  Ԉ0    YfirlUsinguumaWflagiWsaWiliaWlandsskrifstofuogefviWaWsrstkumbyrgWar e= sj;WiviWkomandiaWildarrkiYegarfyrirhugaWeraWveitaYj;nustuskv.10.tlul.1. 0 mgr.21.gr.ognafnogheimilisfangsrstaksfulltrasemannasttj;nsuppgjrYeirri  grein.i(mݠ݌ Ќ    FlagiWmveitaYj;nustufrYeimtmaerYaWhefurfengiWtilkynninguumaWupplUs i ingarskv.1.mgr.hafiveriWsendarogm;ttakaYeirraveriWstaWfest. \4   SendiFjrmlaeftirlitiWekkiframangreindarupplUsingartilskildumtmaskalYaWgreina ' flaginufrstWumYessinnansmutmamarka.    AllarbreytingarskalflagiWtilkynnaFjrmlaeftirlitinuskriflegameWa.m.k.einsmn  aWarfyrirvara. `  @!81.gr. "   Hafifrumtryggingaflag,semhefurfengiWstarfsleyfihrlandi,hyggjuaWhefjastarf # semirkiutanEvr;pskaefnahagssvWisinsskalYaWtilkynntFjrmlaeftirlitinufyrirfram  $ samtlUsingufyrirhugaWristarfsemiogWrumupplUsingumsemFjrmlaeftirlitiW;skar !W% eftirogtelurnauWsynlegar. J""&   kvWi79.og80.gr.gildaeinnigumfrumtryggingaflgmeWaWalstWvarutanEvr;pska #' efnahagssvWisinssemfengiWhafastarfsleyfihrlanditilaWrekatibenhafahyggju #( aWhefjastarfsemiaWildarrki.FjrmlaeftirlitiWgeturY;tekiWsrlengrifrestitilafgreiWslu $ ) mlaenYarerutilgreindir.SkalYaWhafasamrWviWeftirlitsstj;rnvldaWildarrkjaWuren v%N!* tekinerafstaWatilums;knarinnar. A&"+    '",   &   XI.KAFLI (  Yfirfrslavtryggingastofna.Samruniflaga.   82.gr.  Yfirfrsla. a ީ  :skifrumtryggingaflag,semfengiWhefurstarfsleyfihrlandi,eftiraWflytjavtrygg T, ingastofn'(sinnaWnokkrueWalluleytitilannarsflagssemeinnighefurfengiWstarfsleyfi  hrlandiskulubWiflginsendaFjrmlaeftirlitinuums;knumfrslunasamtdrgum  aWsamkomulagimilliflagannaogYeimggnumsemeftirlitiWtelurnauWsynleg.Fjrmla   eftirlitiWkannarums;kninameWhliWsj;nafhagbeggjaflagannaoghvortstWastilaW  X tlaaWfrslangetiskaWaWvtryggingartaka,vtryggWahjflgunumogaWrasemhafa K #  srstakrahagsmunaaWgta.      TeljiFjrmlaeftirlitiWaWsynjaberiumleyfitilyfirfrslunnarskalYaWntafartilkynnt    flgunum.AWWrumkosti,ogsumaWrWavtryggingarhttuhrlandi,sbr.10.gr.,   skalFjrmlaeftirlitiWbirtaopinberlegatilkynninguvegnayfirfrslubeiWninnarog;skaeftir wO  skriflegumathugasemdumvtryggingartaka,vtryggWraogannarrasemhafasrstakrahags B  munaaWgtainnantiltekinsfrestssemeigiskalveraskemmrieneinnmnuWur.      FjrmlaeftirlitiWveitirleyfitilfrslunnaraWliWnumfrestiskv.2.mgr.teljiYaW,aWteknu   tillititilYeirraathugasemdasemframhafakomiW,aWorWiWskuliviWyfirfrslubeiWninni. {    Rttindiogskyldurvtryggingartaka,vtryggWraogannarrasamkvmtvtryggingar nF samningumhaldasjlfkrafagildisnuviWflutninginn.Vtryggingartakargetasagtuppv 9 tryggingarsamningisnumviWflagiWfrYeimdegierflutningurstofnsinssrstaWtilkynni  YeiruppsgnskriflegainnanmnaWarfrflutningsdegi.  @!83.gr. e=   FjrmlaeftirlitiWgeturheimilaWvtryggingaflagisemhrhefurfengiWstarfsleyfiog 0 ;skareftiraWflytjavtryggingastofnsinnhraWnokkru,eWalluleyti,tilannarsflagsmeW  starfsstWWruaWildarrkistaWfestieftirlitsstj;rnvldheimarkisYessflagssemtekurviW  stofninumaWtilskildarkrfurumgjaldYolsuuppfylltaraWteknutillititilhinsyfirfrWa i stofns.SkilyrWiervalltaWeftirlitsstj;rnvldYvaWildarrkiYarsemvtryggingarhttan \4 er,sbr.10.gr.,veitisamYykkisittfyriryfirfrslunni.kvWi82.gr.gildaumyfirfrsluna. '   FjrmlaeftirlitiWgetureinnigheimilaWtibivtryggingaflagsmeWaWalstWvarutan  aWildarrkis,semhefurstarfsleyfihrlandi,aWflytjavtryggingastofnsinnhraWnokkru  eWalluleytitilannarsvtryggingaflagsoggildaYeinnigkvWi82.gr.umyfirfrsluna. `    UmyfirfrsluvegnastofnavtryggingaflagameWaWalstWvarWruaWildarrki,semhr S+! rekatibeWaveitaYj;nustu,fersamkvmtkvWum70.gr. " @!84.gr.  $ @ Samruni. !W%   :skivtryggingaflgsemfengiWhafastarfsleyfihrlandieftirYvaWsamrunieigisr J""& staWmeWyfirtkueinseWafleirivtryggingaflagameWslitumYeirra,YannigaWallareignir #' ogskuldirverWiyfirfrWaraWlluleytinYessaWtilskiptameWferWarkomi,skulullflgin #( sendaFjrmlaeftirlitinuums;knsamtdrgumaWsamkomulagimilliflagaumsamrunann $ ) ogmeWYeimggnumsemeftirlitiWtelurnauWsynleg.Samagildir;skitveWafleirivtrygg v%N!* ingaflgeftirYvaWsamrunimeWstofnunnUsvtryggingaflagseigisrstaWmeWslitum A&"+ nskiptameWferWarYannigaWallareignirogskuldirverWiyfirfrWartilhinsnUjaflags.  '", SkilyrWisamrunaeraWleyfitilyfirfrsluvtryggingastofnasveitt,sbr.82.gr. '#-   kvWi1.mgr.eigaeinnigviWumflgskv.13.gr.sem;skaeftiraWyfirfraeignirog ( skuldiraWlluleytinskiptameWferWartilvtryggingaflags.    HeimilamaWsamrunimeWyfirtkueWameWstofnunnUsflagsgetifariWframY;tteitt  eWafleiriflagasemyfirtekineru,eWalgWverWaniWur,gangistundirskiptameWferW,aWYv a tilskilduaWskostursbundinnviWflgsemhafaekkiennhafisthandaviWaWthluta T, eignumsnumtileigenda.  @!85.gr.     0drgumaWsamkomulagiumsamruna,semfylgjaskuluums;kn,skalm.a.komafram  X hverniggreiWslumerhttaWfyrirhlutiflgumsemhttavtryggingastarfsemi,hvenr K #  hlutirsemkunnaaWveranotaWirsemgreiWslaveitirtttilarWsogannarrarttinda,hvaWa    rttindieigendurhlutaflagisemhttirstarfsemiWlastYvflagisemtekurviWeignum    ogskuldum,svoogaWrarrWstafanirsemkunnaaWhafafrmeWsrbreytingarrttindum   eigenda.Einnigskalkomaframhvortstj;rnarmenneWaframkvmdastj;rarskulinj;tasr wO  stakrahlunnindaogYhverra. B    LgWskuluframstaWfestreikningsuppgjrsemsUnaeignirogskuldirhversflagsYeim    degiYegarsamrunierfyrirhugaWursamtsameiginlegriupphafsstWueftirsamrunannogm   uppgjriWekkiverameiraensexmnaWagamaltYegarkvrWunertekinumaWsamrunieigi {  srstaW.FjrmlaeftirlitiWgeturY;heimilaWaWmiWaWsviWrsuppgjrflagannaloksW nF astareikningsrs. 9   EigisamrunisrstaWmeWstofnunnUsflagsskuludrgaWnUjumsamYykktumYesseinn  iglgWfram.SamagildirverWigerWarbreytingarsamYykktumflaga,aWrarenbreytingar  nafni. r   FjrmlaeftirlitiWveitirleyfitilsamrunans.StarfsleyfiflagseWaflaga,semhttav e= tryggingastarfsemi,skuluafturklluWfrYeimdegierFjrmlaeftirlitiWtiltekurogflagiW 0 eWaflginmWrvtryggingaflagaskr.    XII.KAFLI i  SrstakarrWstafanir.  \4 86.gr. ' RWstafanirvegna;fullngjandigjaldYols.    Uppfyllivtryggingaflag,semfengiWhefurstarfsleyfihrlandi,ekkilgmarkskrfur  umgjaldYolviWrsuppgjreWaWrumtmaskalflagiWYegarstaWgeratlunumhvenr `  oghvernhttmarkinuverWinWogskaltluninlgWfyrirFjrmlaeftirlitiWsemkveWur S+! hvortYrrWstafanirsemgerateljistfullngjandi.Slktlunskalekkitakatilskemmri " tmaennstuYriggjareikningsraoginnihaldam.a.: # ! ! q(#33q"i(m"  i(mu2#  1  .3  Ԉ0    tlaWanrekstrarkostnaW,m.a.viWnverandiyfirstj;rn,ogumboWslaun.i(mu݌ $ Ќ  "i(m"  i(m2#  2  .3  Ԉ0    SundurliWaWatlunumtekjuroggjldfrumtryggingum,endurtryggingumsemflag !W% iWkannaWtakaaWsrogvegnaendurtryggingarverndarYess.i(m݌J""& Ќ  "i(m"  i(m<2#  3  .3  Ԉ0    tlaWanefnahagsreikning.i(m<i݌#' Ќ  "i(m"  i(m82#  4  .3  Ԉ0    GreinargerWumfjrmagnsemtlaWeraWmtavtryggingaskuldbindingumoglg #( marksgjaldYoli.i(m8e݌$ ) Ќ  "i(m"  i(m2#  5  .3  Ԉ0    RWgerWaendurtryggingarvernd.i(m݌v%N!* Ќ    MeWanslktlunergildiskalhvorkigefatgjaldYolsvottorWvegnarWagerWaumstarf A&"+ semierlendis,sbr.1.mgr.79.gr.og1.mgr.80.gr.,nheimilaflaginuaWveitaviWtkuv  '", tryggingastofni,sbr.1.mgr.70.gr.og1.mgr.82.gr. '#-   SgjaldYolvtryggingaflagsminnaenYriWjungurYesssemtilskiliWereWaminnaens ( lgmarksfjrhWsemtilgreinderfyrirYstarfsemisemflagiWrekur,sbr.34.gr.,hvortsem  hrraer,skaltlunskv.1.mgr.miWaaWYvaWrttaviWfjrhagflagsinsskmmumtma  ogskalFjrmlaeftirlitiWsetjaflaginukveWinnfrestYvefni. a   SvtryggingaskuldflagsvanmetinviWrsuppgjreWaWrumtmaaWmatiFjrmla T, eftirlitsinseWahafifjrhagsstaWaYessmeWWrumhttiversnaWYannigaWtilskildarkrfur  umgjaldYoleruekkiuppfylltarskalmeWsamahttigrpatilviWeigandirWstafana.    SvtryggingaskuldvanmetinskalvanmatiWkomatillkkunargjaldYoli.     SaWlagaWgjaldYolvtryggingaflagseWam;WurflagsYessminnaenlgmarksgjaldYol  X skv.32.!34.gr.aWviWbttrihlutdeildlgmarksgjaldYoliallrahlutdeildar-ogd;tturflaga K #  semeruvtryggingaflgskalvtryggingaflagiWYegarstaWgeratlunumhvenrog    hvernigmarkinuverWinWogskaltluninlgWfyrirFjrmlaeftirlitiWsemkveWurhvort    hntelstfullngjandi.LgmarksgjaldYolhlutdeildar-ogd;tturflagaskalreiknaWsamkvmt   tilvsuWumgreinum,jafnvelY;ttaWrarreglurgildiheimarkiYeirra. wO    TeljiFjrmlaeftirlitiWfjrhagvtryggingaflagsverameWYeimhttiaWrttindum B  vtryggingartaka,vtryggWraeWaannarrasemhafasrstakrahagsmunaaWgtasstefnt    httugeturYaWkrafisttlunareinsoggjaldYolvri;fullngjandi,sbr.1.mgr.     FjrmlaeftirlitiWgeturtakmarkaWeWabannaWrWstfunvtryggingaflags,semfengiW {  hefurstarfsleyfihrlandi,fjrmunumsnumogeignumsYaWliWuraWgerWumtilaW nF komafjrhagYessrttankjl,sbr.1.!5.mgr.JafnframtgeturFjrmlaeftirlitiWtakmarkaW 9 eWabannaWtgfunUrravtryggingaskrteina.kvrWunYessaefnisskaltilkynnaeftirlits  stj;rnvldumaWildarrkjaeftirYvsemviW.    StarfiflagiWeftirtlunskv.25.gr.eWaskv.1.mgr.Yessarargreinaroghafifjrhags r staWaflagsinsversnaWmiWaWviWYtlunskalFjrmlaeftirlitiWtakakvrWunumnauW e= synlegarrWstafaniroggerakrfuumaWnUrekstrartluntilYriggjaraverWilgWframef 0 Yrfer.  @!87.gr. i @ Endurskipulagningfjrhags. \4   MeWendurskipulagningufjrhagsvtryggingaflagserttviWrWstfunsemfelursr ' hlutund;mst;lsogertlaWaWtryggjaeWaendurreisafjrhagslegastWuvtryggingaflags  oghafahrifrttindiaWilaannarraenvtryggingaflagsinssjlfs.TilslkrarWstafanatelj  astgreiWslustWvunognauWasamningar. `    LgumgjaldYrotaskiptio.fl.,nr.21/1991,gildaumheimildvtryggingaflagstil S+! greiWslustWvunarogtilaWleitanauWasamningsendasekkiannanvegmltlgum " Yessum. #   D;mst;llskalsjtilYessaWFjrmlaeftirlitinuverWitilkynntYegarstaWumframkomna  $ beiWnivtryggingaflagsumheimildtilgreiWslustWvunareWatilaWleitanauWasamnings. !W% FjrmlaeftirlitiWskaltilkynnaWrumeftirlitsstj;rnvldumaWildarrkjaefvtryggingaflagi J""& erveittheimildtilgreiWslustWvunareWatilaWleitanauWasamnings. #'   BrskurWurd;mst;lsWruaWildarrkiumendurskipulagningufjrhagsvtryggingaflags #( meWaWalstWvarYvaWildarrkitekurtiltibavtryggingaflagsinshrlandi. $ )   TilkynnaskallnardrottnumrskurWumheimildvtryggingaflagstilgreiWslustWvunar v%N!* eWatilaWleitanauWasamningssamrmiviWkvWi13.og44.gr.lagaumgjaldYrotaskipti A&"+  o.fl.  '",   &   0tilkynninguskv.5.mgr.tilvtryggingartaka,vtryggWraogannarrasemeigakrfuv ( tryggingaflagvegnavtryggingarsamninga'(oghafalgheimili,fastabsetueWaaWalstWvar  WruaWildarrkiskalsrstaklegatekiWframhverhrifrskurWurumheimildtilgreiWslu  stWvunareWatilaWleitanauWasamningshafivtryggingarsamningogupplUsingarumrtt a indiogskyldurYeirra.SkaltilkynninginveratungumliYessrkisYarsemviWkomandi T, lgheimili,hefurfastabsetueWaaWalstWvar.    Lnardrottnisemlgheimili,hefurfastabsetueWaaWalstWvarWruaWildarrkier  heimiltaWlUsakrfuskv.45.gr.lagaumgjaldYrotaskiptio.fl.tungumliYessrkis.Fyrir   sgnkrfulUsingarskalY;veraslensku.  X   UmheimildtibsvtryggingaflagsmeWaWalstWvarutanaWildarrkjatilgreiWslustWv K #  unareWatilaWleitanauWasamningsfereftirslenskumlgum.HafiflagiWtibfleirien    einuaWildarrkiskallitiWhverttibsemsjlfstWanlgaWila.Eftirlitsstj;rnvldskuluY;    samrmaaWgerWirogYaWsamaviWumaWstoWarmennskuldaraviWgreiWslustWvunogum   sj;narmennmeWnauWasamningum. wO  @!88.gr.      0slensklgskulugildaumendurskipulagningufjrhagsvtryggingaflagsnemaannan   vegsfyrirmltYessarigrein. {    VinnusamningurskalfaraeftirlgumYessrkissemumvinnusamninginnogvinnusam nF bandiWgilda. 9   SamningurumnotkuneWakaupfasteignarskalfaraeftirlgumYessrkisYarsemfast  eigninerstaWsett.    Rtturvtryggingaflagsvegnafasteignar,skipseWaflugvlarskalfaraeftirlgumYess r rkisYarsemopinberskrninghefurfariWfram. e=   HeimildvtryggingaflagstilgreiWslustWvunareWatilaWleitanauWasamningsskalekki 0 hafahrifrttveWhafavegnaeignarrttindasemeruWruaWildarrkiYegarheimildiner  veitt.0slensklggildaY;umrttindiogskylduraWilasemltaopinberueftirlitihrlendis.    HafivtryggingaflagkeypteignmeWeignarrttarfyrirvarahefurheimildvtrygginga i flagsinstilgreiWslustWvunareWatilaWleitanauWasamningsekkihrifrttindiseljanda \4 sembyggjastfyrirvaranumefeignerWruaWildarrki.Heimildvtryggingaflagsinstil ' greiWslustWvunareWatilaWleitanauWasamningshefurekkihrifsluvtryggingaflags  eignhafiafhendingYegarfariWframogeigninveriWWruaWildarrkiYegarheimildinvar  veitt. `    XrttfyrirkvWi5.og6.mgr.erheimiltaWbeitakvWumIII.kaflalagaumsamnings S+! gerW,umboWog;gildalggerninga,nr.7/1936,um;gildalggerninga,nemalggistirkis " heimiliekkislkt. #   Hafivtryggingaflagseltfasteign,skipeWaflugvlsemhWeropinberriskrningueWa  $ framseljanlegverWbrfeWannurverWbrfskipulegumverWbrfamarkaWieftiraWheimild !W% hefurveriWfengintilgreiWslustWvunareWatilaWleitanauWasamnings##skululgYessrkis J""& YarsemeignereWaYarsemhinopinberaskrninghefurfariWframgildaumlgmtilg #' gerningsins. #(   UmhrifheimildarvtryggingaflagstilgreiWslustWvunareWatilaWleitanauWasamnings $ ) mlshfWunvegnaeignareWaannarrarttindasemvtryggingaflaghefurltiWafhendifer v%N!* eftirlgumYessaWildarrkisYarsemmliWvarhfWaW. A&"+   BrrWiYausemaWstoWarmaWurskuldaraviWgreiWslustWvunogumsj;narmaWurmeW  '", nauWasamningigetabeittsamkvmtslenskumlgumhafaYeirjafnframtWrumaWildar '#- rkjum.ViWbeitinguslkrarrWaWruaWildarrkiskalY;faraeftirlgumYessaWildarrkis ( eftirYvsemviW.  @!89.gr. a @ Afturkllunstarfsleyfis. T,   SinnivtryggingaflagekkitrekuWumtilmlumFjrmlaeftirlitsinsumrWstafanirtilaW  metafullngjandihttvtryggingaskuldsnaeWatryggjaruggavxtunfjrmunasem  tlaWeraWmtahenni,eWaefYaWbrUturlgogreglugerWirumstarfsemivtryggingaflaga   eWasamYykktirsemYaWstarfareftirskalFjrmlaeftirlitiWsetjaflaginukveWinnfresttil  X aWgeranauWsynlegarrbtur. K #    HafifullngjandirWstafanirekkiveriWgerWarinnansettratmamarkageturFjrmlaeftir    litiWafturkallaWstarfsleyfiflagsins.FjrmlaeftirlitiWgeturY;veittfrekarifrestteljiYaW    lkurbendatilaWYrrWstafanirsemflagiWhefurYegargertmuniinnanskammstmahafa   frmeWsrtilskildarrbtur. wO    EinnigmafturkallastarfsleyfinUtiflagleyfiWekkiinnant;lfmnaWafrtgfuYess B  eWahafistarfseminlegiWniWrisexmnuWieWameira.    @!90.gr. {    FjrmlaeftirlitiWskalafturkallastarfsleyfivtryggingaflagshafiflagiWekkigertnauW nF synlegarrWstafanirtilaWrttaviWfjrhagsinn,uppfylliflagiWekkilengurskilyrWistarfs 9 leyfiseWavanrkigr;flegaskyldursnarsamkvmtlgumogreglugerWumumstarfsemiv  tryggingaflagaYannigaWhagsmunumvtryggingartakaogvtryggWrasstefnthttu.    AfturkllunstarfsleyfisskalvalltstuddtarlegumrkumogtilkynnthlutaWeigandiflagi r skriflega. e=   AfturkalliFjrmlaeftirlitiWstarfsleyfiskalYaWtilkynnaYaWeftirlitsstj;rnvldumaW 0 ildarrkjaergeraskuluallarviWeigandirWstafanirtilaWkomavegfyriraWflagiWstofni  tilnUrravtryggingaskuldbindingainnanlgsguYeirra,tibieWameWYvaWveitaYar  Yj;nustu. i   MeWhagsmunivtryggingartakaogvtryggWrafyriraugumogsamrWiviWnnurhlut \4 aWeigandieftirlitsstj;rnvldskalFjrmlaeftirlitiW######takmarka,eftirYvsemnauWsynkrefur, ' frjlsarWstfuneignaflagsinsYegarvtryggingaskuldinervanmetin,skilyrWumumgjald  YolerekkifullngtoghttaerversnandifjrhagsstWuflagsinssekkigripiWtilrW  stafana. `  @!91.gr. " @}}Flagsslit. #   VerWistarfsleyfivtryggingaflagsafturkallaWskalFjrmlaeftirlitiWskipaYriggjamanna  $ skilastj;rnflagiW.Skilastj;rntekurviWllumheimildumstj;rnarogjafnframtfallaniWur !W% heimildirhennar.Skilastj;rnskalYegarkallasamanhluthafafundogkynnahluthfumhvern J""& igkomiWer. #'   FjrmlaeftirlitiWskal,aWhfWusamrWiviWskilastj;rn,takakvrWunumhvortflagiW #( skulileitastviWaWflytjavtryggingastofnsinntileinseWafleirivtryggingaflagaeWahvort $ ) flagiWskulifreistaYessaWljkauppgjrivegnahansmeWWrumhtti.FjrmlaeftirlitiW v%N!* getur,YegarumlftryggingaflageraWrWa,kveWiWaWlftryggingastofninnstisrstakri A&"+  meWferWskv.92.gr.  '",   &   Skilastj;rnskalsamrWiviWFjrmlaeftirlitiWtakakvrWunumhvort;skaskuligjald ( Yrotaskipta'(S flaginueWahvortYaWskulirekiWfram.FjrmlaeftirlitiWgeturtakmarkaWeWa  bannaWrWstfunflagsyfirfjrmunumsnumoggertkrfuumaWflagiWverWitekiWtil  gjaldYrotaskiptateljiYaWlkuraWhagsmunumvtryggingartakaogvtryggWrasaWWrum a kostistefnthttu. T,   Launskilastj;rnarogkostnaWurhennarskulugreiWastafeignumhlutaWeigandivtrygg  ingaflagssemkrafautanskuldaraWar.SamaviWumkostnaWvegnameWferWarkrfuFjr  mlaeftirlitsinsumgjaldYrotaskipti.FjrmlaeftirlitiWogskilastj;rneruundanYeginkvW   um2.mgr.67.gr.laganr.21/1991,umgjaldYrotaskiptio.fl.,umaWleggjaframtryggingu  X tiltekinnarfjrhWarfyrirkostnaWi. K #  @!92.gr.      EfskipuWerskilastj;rnflagisemstundarlftryggingastarfsemiogkveWiWeraWlf   tryggingastofnYessskulistasrstakrimeWferWskalFjrmlaeftirlitiWYegarstaWtaka wO  snarvrslurYreignirsemmtaeigalftryggingaskuldinni,ltaendurreiknahanaogleggja B  matverWmtieigna.LjkaskalgreiWslufallinnaogtilkynntralftryggingakrafnasam    kvmtreglumsemgiltuWurenskilastj;rnvarskipuW.Lftryggingakrfursemfallatilt   borgunarsWarmgreiWataWYvmarkierFjrmlaeftirlitiWtelurforsvaranlegtmeWtilliti {  tileignastWu.Endurkauperu;heimilnemasemgreiWslalnumgegnveWilftryggingum nF hjflaginu. 9   XegaraWloknuendurmatiskv.1.mgr.skalFjrmlaeftirlitiWleitatilannarralftrygginga  flagaumyfirtkulftryggingastofnsoglftryggingaskuldar.FjrmlaeftirlitiWskalmeta  framkomintilboWogveljaYaWsemYaWtelurhagkvmastfyrirvtryggWa.FjrmlaeftirlitiW r skaltilkynnaopinberlegaumhelstuatriWitilboWsinssemYaWhefurvaliWogskaljafnframt e= auglUsteftirathugasemdumfrvtryggingartkumogvtryggWumsemberastskuluskriflega 0 innaneinsmnaWarfrbirtingutilkynningarinnar.AWfengnumathugasemdumgeturFjr  mlaeftirlitiWframseltstofninnflagiYverFjrmlaeftirlitiWvaldisamteignumsemmta  eigalftryggingaskuldinni,endatekurviWtakandiYviWllumskuldbindingumvegnalf i trygginganna. \4   XeirvtryggingartakareWavtryggWir,semathugasemdirhafagertogeigiviljasamYykkja ' yfirfrsluna,eigarttaWfendurgreittverWmtilftryggingasinnaaWsvomikluleytisem  hlutfallslegeignhrekkurtil.    BeristekkitilboWlftryggingastofneWakomiekkiframYautilboWerFjrmlaeftirlitiW `  villmlameWskulueignirhinnavtryggWugreiddarYeimrttuhlutfalliviWverWmtilf S+! tryggingaYeirra. " @!93.gr.  $   VerWikveWiWaWbeiWastgjaldYrotaskiptalftryggingaflagigildalgumgjaldYrota !W% skiptio.fl.,nr.21/1991,sekkiannanvegmltlgumYessum. J""&   kvWi92.gr.umsrstakameWferWlftryggingastofnsinsgildaoggeturFjrmlaeftirlitiW #' krafistallragagnafrYrotabinusemnauWsynlegerutilaWunntsaWljkauppgjrihans #( ogrWstfun.Aukopinberrartilkynningarskv.2.mgr.92.gr.skalFjrmlaeftirlitiWtilkynna $ ) vtryggingartkum,vtryggWumogWrum,semkrfueigavtryggingaflagvegnav v%N!* tryggingarsamningaoghafalgheimili,fastabsetueWaaWalstWvarWruaWildarrki,um A&"+ fyrirhugaWanflutningvtryggingastofnsins.SlktilkynningskalveratungumliYessrkis  '", YarsemviWkomandilgheimili,hefurfastabsetueWaaWalstWvar.HafisrstkmeWferW '#- <@- <  <  lftryggingastofnsveriWkveWinWurenbeiWstergjaldYrotaskiptahefurYaWekkihrif ( framkvmdsamkvmtYessarigreinog92.gr.    ViWgjaldYrotaskiptilftryggingaflagsskalhvorkiteljaeignirsemmtaeigalftrygg  ingaskuldinnimeWeignumYrotabsinsnlftryggingaskuldinameWskuldumYess.Hafiekki a tekistaWljkagreiWslulftryggingakrfumeWeignumYeimsemmtaeigalftrygginga T, skuldinniferumlftryggingakrfunahendurYrotabiflagsinsskv.11.mgr.94.gr.    D;mst;llskalsjtilYessaWFjrmlaeftirlitinuverWitilkynntYegarstaWumframkomna  krfuumgjaldYrotaskiptilftryggingaflags.FjrmlaeftirlitiWskaltilkynnaWrumeftirlits   stj;rnvldumaWildarrkjaefbslksflagshefurveriWtekiWtilgjaldYrotaskipta.  X   BrskurWurd;mst;lsWruaWildarrkiumaWblftryggingaflagsmeWaWalstWvarYv K #  rkistekiWtilgjaldYrotaskiptatekurtiltibaflagsinshrlandi.      HeimildlftryggingaflagstilgreiWslustWvunareWanauWasamningsumleitanakemurekki    vegfyriraWunntsaW;skagjaldYrotaskiptaflaginu.     XegarblftryggingaflagshefurveriWtekiWtilgjaldYrotaskiptaskalFjrmlaeftirlitiWaW wO  fengnumupplUsingumskilastj;rnarskv.91.gr.tilkynnaopinberlegakvrWunumskipun B  skilastj;rnar,innkllunvegnagjaldYrotaskiptannaogupplUsingarumhvaWalggildium    gjaldYrotaskiptin.BtdrtttilkynningarinnarskaljafnframtbirtaStj;rnartWindumESB.     Skilastj;rnskaltilkynnalnardrottnisemlgheimili,hefurfastabsetueWaaWalstWvar {  WruaWildarrkiumgjaldYrotaskiptilftryggingaflags.Fyrirsgntilkynningarinnarskal nF veraInnkllunvegnagjaldYrotaskipta,krfulUsingarfresturllumtungumlumaWildar 9 rkja.    0tilkynninguskilastj;rnarskv.8.mgr.tilvtryggingartaka,vtryggWraogannarrasem  krfueigaflagiWvegnalftryggingarsamningaoghafalgheimili,fastabsetueWaaWal r stWvarWruaWildarrkiskalsrstaklegatekiWframhverhrifrskurWurumgjaldYrotaskipti e= hafilftryggingarsamningogupplUsingarumrttindiogskyldurYeirra.Skaltilkynningin 0 veratungumliYessrkisYarsemviWkomandilgheimili,hefurfastabsetueWaaWal  stWvar.    Lnardrottnisemlgheimili,hefurfastabsetueWaaWalstWvarWruaWildarrkien i flagiWskalheimiltaWleggjaframkrfulUsingutungumliYessrkis.FyrirsgnkrfulUs \4 ingarskalY;veraslensku. '   Eftirlitsstj;rnvldumaWildarrkjaerheimiltaW;skaupplUsingaummeWferWYrotabslf  tryggingaflagshjFjrmlaeftirlitinu.    UmgjaldYrotaskiptitibslftryggingaflagsmeWaWalstWvarutanaWildarrkjafereftir `  slenskumlgum.HafiflagiWtibfleirieneinuaWildarrkiskallitiWhverttibsem S+! sjlfstWanlgaWila.Eftirlitsstj;rnvldskuluY;samrmaaWgerWirogYaWsamaviWum " skilastj;rn. # @!94.gr. !W%   VerWikveWiWaWbeiWastgjaldYrotaskiptavtryggingaflagisemrekuraWrastarfsemi J""& enlftryggingastarfsemigildalgumgjaldYrotaskiptio.fl.sekkiannanvegmltlgum #' Yessum. #(   D;mst;llskalsjtilYessaWFjrmlaeftirlitinuverWitilkynntYegarstaWumframkomna $ ) krfuumgjaldYrotaskiptivtryggingaflags.FjrmlaeftirlitiWskaltilkynnaWrumeftirlits v%N!* stj;rnvldumaWildarrkjaefbvtryggingaflagshefurveriWtekiWtilgjaldYrotaskipta. A&"+   BrskurWurd;mst;lsWruaWildarrkiumaWbvtryggingaflagsmeWaWalstWvarYv  '", rkisemrekuraWrastarfsemienlftryggingastarfsemistekiWtilgjaldYrotaskiptatekureinn '#-  igtiltibaflagsinshrlandi. (z$.   &   HeimildvtryggingaflagstilgreiWslustWvunareWanauWasamningskemurekkivegfyrir ( aWunntsaW;skagjaldYrotaskiptaflaginu.'(3    FjrmlaeftirlitiWskaljafnskj;ttogbiWhefurveriWtekiWtilgjaldYrotaskiptametahvort  hagsmunavtryggingartakaogvtryggWraverWibestgttmeWYvaWyfirfravtrygginga a stofnaaWlluleytieWaaWhlutatilannarseWaannarravtryggingaflaga. T,   BeristtilboWerFjrmlaeftirlitiWmeturhagkvmtfyrirvtryggingartakaogvtryggWa  skalYaWleggjaframtillguumflutningstofnsinsogbirtaopinberlegahelstuefnisatriWislks  samkomulags.EinnigskalauglUsaeftirathugasemdumvtryggingartakaogvtryggWraer   berastskuluskriflegainnaneinsmnaWarfrbirtingutilkynningarinnar.FjrmlaeftirlitiW  X skaljafnframttilkynnavtryggingartkum,vtryggWumogWrum,semkrfueigavtrygg K #  ingaflagvegnavtryggingarsamningaoghafalgheimili,fastabsetueWaaWalstWvar    WruaWildarrki,umfyrirhugaWanflutningvtryggingastofnsins.Stilkynningskalvera    tungumliYessrkisYarsemviWkomandihefurlgheimili,fastabsetueWaaWalstWvar.AW   teknutillititilathugasemdaskalFjrmlaeftirlitiWaWfrestinumloknumtakakvrWunum wO  hvortunntsaWyfirfravtryggingastofnaYannhttsemlagtertil. B    XegarbvtryggingaflagshefurveriWtekiWtilgjaldYrotaskiptaskalFjrmlaeftirlitiWaW    fengnumupplUsingumskilastj;rnarskv.91.gr.tilkynnaopinberlegakvrWunumskipun   skilastj;rnar,innkllunvegnagjaldYrotaskiptannaogupplUsingarumhvaWalggildium {  gjaldYrotaskiptin.BtdrtttilkynningarinnarskaljafnframtbirtaStj;rnartWindumESB. nF   Skilastj;rnskaltilkynnalnardrottnisemlgheimili,hefurfastabsetueWaaWalstWvar 9 WruaWildarrkiumgjaldYrotaskiptivtryggingaflags.Fyrirsgntilkynningarinnarskal  veraInnkllunvegnagjaldYrotaskipta,krfulUsingarfresturllumtungumlumaWildar  rkja. r   0tilkynninguskilastj;rnarskv.8.mgr.tilvtryggingartaka,vtryggWraogannarrasem e= krfueigavtryggingaflagvegnavtryggingarsamningaoghafalgheimili,fastabsetu 0 eWaaWalstWvarWruaWildarrkiskalsrstaklegatekiWframhverhrifrskurWurumgjald  YrotaskiptihafivtryggingarsamningogupplUsingarumrttindiogskyldurYeirra.Skaltil  kynninginveratungumliYessrkisYarsemviWkomandilgheimili,hefurfastabsetu i eWaaWalstWvar. \4   Lnardrottnisemlgheimili,hefurfastabsetueWaaWalstWvarWruaWildarrkien ' vtryggingaflagskalheimiltaWleggjaframkrfulUsingutungumliYessrkis.Fyrirsgn  krfulUsingarskalY;veraslensku.    VtryggingakrfurhendurYrotabivtryggingaflagsinsskuluganganstundankrf `  umskv.113.gr.lagaumgjaldYrotaskiptio.fl. S+!   Eftirlitsstj;rnvldumaWildarrkjaerheimiltaW;skaupplUsingaummeWferWYrotabs " vtryggingaflagshjFjrmlaeftirlitinu. #   UmgjaldYrotaskiptitibsvtryggingaflagsmeWaWalstWvarutanaWildarrkjafereftir  $ slenskumlgum.HafiflagiWtibfleirieneinuaWildarrkiskallitiWhverttibsem !W% sjlfstWanlgaWila.Eftirlitsstj;rnvldskuluY;samrmaaWgerWirogYaWsamaviWum J""& skilastj;rn. #' @!95.gr. $ )   0slensklgskulugildaumgjaldYrotaskiptivtryggingaflagsnemaannanvegsfyrir v%N!* mltYessarigrein. A&"+   VinnusamningurskalfaraeftirlgumYessrkissemumvinnusamninginnogvinnusam  '", bandiWgilda. '#-   SamningurumnotkuneWakaupfasteignarskalfaraeftirlgumYessrkisYarsemfast ( eigninerstaWsett.    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B    Hafivtryggingaflagseltfasteign,skipeWaflugvlsemhWeropinberriskrningueWa    framseljanlegverWbrfeWannurverWbrfskrWskipulegumverWbrfamarkaWieftirr   skurWumaWbvtryggingaflagsskulitekiWtilgjaldYrotaskipta###q###skululgYessrkisYarsem {  eignereWaYarsemhinopinberaskrninghefurfariWframgildaumlgmtilggerningsins. nF   UmhrifrskurWarumaWbvtryggingaflagsskulitekiWtilgjaldYrotaskiptamls 9 hfWunvegnaeignareWaannarrarttindasemvtryggingaflaghefurltiWafhendifereftir  lgumYessaWildarrkisYarsemmliWvarhfWaW.    BrrWisemskilastj;rngeturbeittsamkvmtslenskumlgumhefurhnjafnframtWr r umaWildarrkjum.ViWbeitinguslkrarrWaWruaWildarrkiskalskilastj;rnY;faraeftir e= lgumYessaWildarrkiseftirYvsemviW. 0 @!96.gr.    XegartekinerkvrWunumfrjlsslitsamkvmtsamYykktumvtryggingaflagssemhr i hefurfengiWstarfsleyfiskalflagiWleggjafyrirFjrmlaeftirlitiWgreinargerWum;uppgerWar \4 vtryggingaskuldbindingarflagsinsoghvernhtttluninsaWljkaYeim. '   FjrmlaeftirlitiWskalmetaogtakakvrWunumhvorthagsmunumvtryggingartakaog  vtryggWrateljistbestborgiWmeWflutningivtryggingastofnstilannarseWaannarraflaga,  svoogYegarumlftryggingastofneraWrWahvortstofninnskulistasrstakrimeWferW,sbr. `  92.gr. S+!   UmfrjlsslitvtryggingaflagsgildakvWi93.!95.gr.eftirYvsemviW. "   XIII.KAFLI  $  ViWurlg.  !W% 97.gr. J""& Stj;rnvaldssektir. #' U  FjrmlaeftirlitiWgeturlagtstj;rnvaldssektirhvernYannsembrUturgegn: #( ! ! q(#33q"i(m"  i(mKW2#  1  .3  Ԉ0    2.mlsl.1.gr.varWandileyfisskyldastarfsemi,i(mKWxW݌$ ) Ќ  "i(m"  i(m[X2#  2  .3  Ԉ0    5.gr.umhvarmegifrumtryggjaogendurtryggjavtryggingarhttusemhrer,i(m[XX݌v%N!* Ќ  "i(m"  i(mY2#  3  .3  Ԉ0    1.mgr.6.gr.umg;WaviWskiptahttiogvenjurvtryggingaviWskiptum,i(mYY݌A&"+ Ќ  "i(m"  i(mZ2#  4  .3  Ԉ0    2.mgr.6.gr.umaWekkisfariWaWfyrirmlumFjrmlaeftirlitsinsumaWrWinverWi  '", b;tYvsemrskeiWishefurfariW,i(mZZ݌'#- Ќ  "i(m"  i(m?\2#  5  .3  Ԉ0    7.gr.umheimildtilaWberaheitisemgefurvtryggingastarfsemitilkynna,i(m?\l\݌( Ќ  "i(m"  i(mk]2#  6  .3  Ԉ0    11.!13.gr.umstarfsheimildir,i(mk]]݌ Ќ  "i(m"  i(mi^2#  7  .3  Ԉ0    1.mgr.28.gr.umleyfisums;kntilFjrmlaeftirlitsinsefvtryggingaflagmeWstarfs  leyfihrlandihyggsttakauppnUjangreinaflokkvtryggingaeWavtryggingagrein a eWabreytastarfsemisinniverulegumatriWum,i(mi^^݌T, Ќ  "i(m"  i(m\`2#  8  .3  Ԉ0    3.mgr.28.gr.umaWsendaskulibreytingarsamYykktumvtryggingaflagstilFjr  mlaeftirlitsinsinnanvikufrsamYykktYeirra,i(m\``݌ Ќ  "i(m"  i(ma2#  9  .3  Ԉ0    4.mgr.30.gr.umaWallarbreytingaratriWumsemtilkynnaskaltilvtryggingaflaga   skrrskulitilkynnaeinsflj;ttogauWiWertilskrrinnarogeigisWareninnaneinsmn  X aWar,i(ma b݌K #  Ќ  "i(m "  i(mc222#  10  .3  Ԉ0    2.mgr.36.gr.umeignirtiljfnunarm;tivtryggingaskuld,i(mcc݌   Ќ  "i(m "  i(md222#  11  .3  Ԉ0    38.gr.umskyldustj;rnartilYessaWtryggjaaWfyrirhendissrYekkingmatiogt    reikningivtryggingaskuldar,i(mde݌  Ќ  "i(m "  i(mJf222#  12  .3  Ԉ0    1.mlsl.4.mgr.39.gr.umtilkynningarskyldutryggingastrWfrWingstilFjrmlaeftir wO  litsins,i(mJfwf݌B  Ќ  "i(m "  i(mg222#  13  .3  Ԉ0    41.gr.umaWtilkynnaekkiumvirkaneignarhlut,i(mgg݌   Ќ  "i(m "  i(mh222#  14  .3  Ԉ0    46.gr.umaW;hfuraWilieignistvirkaneignarhlut,i(mhh݌  Ќ  "i(m"  i(mi222#  15  .3  Ԉ0    47.gr.umhmlurmeWferWhlutar,i(mii݌{  Ќ  "i(m"  i(mj222#  16  .3  Ԉ0    48.gr.umtilkynningueiganda,i(mjk݌nF Ќ  "i(m"  i(mk222#  17  .3  Ԉ0    49.gr.umtilkynninguvtryggingaflags,i(mkk݌9 Ќ  "i(m"  i(ml222#  18  .3  Ԉ0    50.gr.umaWneitaaWveitaupplUsingar,i(mlm݌ Ќ  "i(m"  i(mm222#  19  .3  Ԉ0    1.mgr.53.gr.umhmarkeiginhluta,i(mmn݌ Ќ  "i(m"  i(mn222#  20  .3  Ԉ0    2.mgr.53.gr.umlnveitingumeWveWieiginhlutabrfum,i(mno݌r Ќ  "i(m"  i(m p222#  21  .3  Ԉ0    3.!5.mgr.54.gr.umaWstj;rnarmaWurupplUsiekkiFjrmlaeftirlitiWumhfisitttil e= stj;rnarsetu,i(m p8p݌0 Ќ  "i(m"  i(mwq222#  22  .3  Ԉ0    6.mgr.54.gr.umaWstj;rnarmaWurafliekkiheimildarFjrmlaeftirlitsinstilstj;rnar  setu,i(mwqq݌ Ќ  "i(m"  i(mr222#  23  .3  Ԉ0    7.mgr.54.gr.umbannviWaWhafastarfandistj;rnarformann,i(mrs݌i Ќ  "i(m"  i(ms222#  24  .3  Ԉ0    9.mgr.54.gr.umtilkynningarskylduumY;knunstj;rnarmannaeWaframkvmdastj;ra,i(ms%t݌\4 Ќ  "i(m"  i(m7u222#  25  .3  Ԉ0    10.mgr.54.gr.umtilkynningarskylduummyndunflagasamstWueWayfirrWyfir ' WruflagiogumverulegarbreytingarskipulagisamstWu,i(m7udu݌ Ќ  "i(m"  i(mv222#  26  .3  Ԉ0    11.mgr.54.gr.umsetninguverklagsreglna,###QN###i(mvv݌ Ќ  "i(m"  i(mx222#  27  .3  Ԉ0    12.mgr.54.gr.umskyldustj;rnarogframkvmdastj;ravtryggingaflagstilaWgera `  FjrmlaeftirlitinuviWvartummlefnisemhafarslitaYUWingufyrirframhaldandistarf S+! semiflagsins,i(mx@2 >  >    &   Fresturskv.1.mgr.rofnarYegarFjrmlaeftirlitiWtilkynniraWilaumupphafranns;knar ( meintubroti.RoffrestshefurrttarhrifgagnvartllumsemstaWiWhafaaWbroti.'(r  @ 101.gr. a @BBSektireWafangelsi. T,   XaWvarWarsektumeWafangelsialltaWtveimurrum,liggiYyngrirefsingekkiviWbroti  samkvmtWrumlgum,aWbrj;tagegnkvWum:  ! -! q(#33-q"i(m"  i(m|2#  1  .3  Ԉ0    2.mlsl.1.gr.varWandileyfisskyldastarfsemi,i(m|݌  Ќ  "i(m"  i(m2#  2  .3  Ԉ0    1.mgr.6.gr.umg;WaviWskiptahttiogvenjurvtryggingaviWskiptum,i(m݌ X Ќ  "i(m"  i(m2#  3  .3  Ԉ0    2.mgr.6.gr.umaWekkisfariWaWfyrirmlumFjrmlaeftirlitsinsumaWrWinverWi K #  b;tYvsemrskeiWishefurfariW,i(m݌   Ќ  "i(m"  i(mF2#  4  .3  Ԉ0    4.mgr.30.gr.umaWallarbreytingaratriWumsemtilkynnaskaltilvtryggingaflaga    skrrskulitilkynnaeinsflj;ttogauWiWertilskrrinnarogeigisWareninnaneinsmn   aWar,i(mFs݌wO  Ќ  "i(m"  i(m2#  5  .3  Ԉ0    2.mgr.36.gr.umeignirtiljfnunarm;tivtryggingaskuld,i(mI݌B  Ќ  "i(m"  i(m;2#  6  .3  Ԉ0    1.mlsl.4.mgr.39.gr.umtilkynningarskyldutryggingastrWfrWingstilFjrmlaeftir    litsins,i(m;h݌  Ќ  "i(m"  i(m2#  7  .3  Ԉ0    41.gr.umaWtilkynnaekkitilFjrmlaeftirlitsins,i(m݌{  Ќ  "i(m"  i(m2#  8  .3  Ԉ0    46.gr.umaW;hfuraWilieignistvirkaneignarhlut,i(mթ݌nF Ќ  "i(m"  i(mª2#  9  .3  Ԉ0    47.gr.umhmlurmeWferWhlutar,i(mª݌9 Ќ  "i(m "  i(mǫ222#  10  .3  Ԉ0    50.gr.umaWneitaaWveitaupplUsingar,i(mǫ݌ Ќ  "i(m "  i(m׬222#  11  .3  Ԉ0    1.mgr.53.gr.umhmarkeiginhluta,i(m׬݌ Ќ  "i(m "  i(mڭ222#  12  .3  Ԉ0    2.mgr.53.gr.umlnveitingugegnveWieiginhlutabrfum,i(mڭ݌r Ќ  "i(m "  i(m222#  13  .3  Ԉ0    1.!3.mgr.55.gr.umrsreikninga,i(m$݌e= Ќ  "i(m "  i(m222#  14  .3  Ԉ0    2.mgr.56.gr.umhfiendurskoWanda,i(m'݌0 Ќ  "i(m"  i(m222#  15  .3  Ԉ0    57.gr.umtilkynningarskylduendurskoWendatilFjrmlaeftirlitsins,i(m-݌ Ќ  "i(m"  i(m%222#  16  .3  Ԉ0    60.gr.umthlutunarWs,i(m%R݌ Ќ  "i(m"  i(m222#  17  .3  Ԉ0    2.mgr.78.gr.umlokstarfsemivtryggingaflagsmeWaWalstWvarrkiutanEvr;pska i efnahagssvWisins,i(mK݌\4 Ќ  "i(m"  i(m222#  18  .3  Ԉ0    3.mgr.78.gr.umlausngeymslufjrvtryggingaflagsmeWaWalstWvarrkiutan ' Evr;pskaefnahagssvWisins,i(m݌ Ќ  "i(m"  i(m222#  19  .3  Ԉ0    1.og6.mgr.86.gr.umaWgerWirvegna;n;gsgjaldYols.i(m#݌ Ќ    XvarWarYaWsmurefsinguaWgefavsvitandirangareWavillandiupplUsingarumhagi `  vtryggingaflagseWaannaWerYaWvarWar,opinberlegaeWatilFjrmlaeftirlitsins,annarra S+! opinberraaWilaeWaviWskiptamanna. " @ 102.gr.  $   BrotgegnlgumYessumervarWasektumeWafangelsivarWarefsinguhvortsemYaueru !W% framinafsetningieWagleysi. J""&   HeimilteraWgeraupptkanmeWd;mibeinaneWa;beinanhagnaWsemhlotisthefuraf #' brotigegnkvWumlagaYessaraervarWasektumeWafangelsi. #(   TilrauntilbrotseWahlutdeildbrotumsamkvmtlgumYessumerrefsiverWeftirYvsem $ ) segiralmennumhegningarlgum. v%N!* @ 103.gr.  '",   BrotgegnlgumYessumstaaWeinsopinberriranns;knaWundangenginnikruFjr '#-  mlaeftirlitsinstillgreglu. (z$.   &   VarWimeintbrotlgumYessumbWistj;rnvaldssektumogrefsingumeturFjrmla ( eftirlitiWhvort'(mlskulikrttillgreglueWaYvlokiWmeWstj;rnvaldskvrWunhjstofn  uninni.EfbroterumeirihttarberFjrmlaeftirlitinuaWvsaYeimtillgreglu.Brottelst  meirihttarefYaWlUturaWverulegumfjrhWum,efverknaWurerframinnmeWsrstaklega a vtaverWumhttieWaviWaWstWursemaukamjgsaknmibrotsins.JafnframtgeturFjr T, mlaeftirlitiWhvaWastigiranns;knarsemervsaWmlivegnabrotalgumYessumtil  opinberrarranns;knar.GtaskalsamrmisviWrlausnsambrilegramla.    MeWkruFjrmlaeftirlitsinsskulufylgjaafritYeirragagnasemgrunurumbroterstudd   urviW.kvWiIV.!VII.kaflastj;rnsUslulagagildaekkiumkvrWunFjrmlaeftirlitsins  X umaWkramltillgreglu. K #    FjrmlaeftirlitinuerheimiltaWltalgregluogkruvalditupplUsingarogggnsem    stofnuninhefuraflaWogtengjastYeimbrotumsemtilgreinderu2.mgr.Fjrmlaeftirlitinu    erheimiltaWtakaYttaWgerWumlgreglusemvarWaranns;knYeirrabrotasemtilgreinderu   2.mgr. wO    LgregluogkruvaldierheimiltaWltaFjrmlaeftirlitinutupplUsingarogggnsem B  hnhefuraflaWogtengjastYeimbrotumsemtilgreinderu2.mgr.LgregluerheimiltaW    takaYttaWgerWumFjrmlaeftirlitsinssemvarWaranns;knYeirrabrotasemtilgreinderu   2.mgr. {    TeljikrandiaWekkisuefnitilmlshfWunarvegnatlaWrarrefsiverWrarhttsemisem nF jafnframtvarWarstj;rnsUsluviWurlgumgeturhannsenteWaendursentmliWtilFjrmla 9 eftirlitsinstilmeWferWarogkvrWunar.    0 @ XIV.KAFLI r  0 @ TmiskvWi.Gildistaka.  e= 104.gr. 0 -  RWherraerheimiltaWsetjareglugerWirumYauefnisemlgumYessumgreinir.  @ 105.gr. i @ooInnleiWing. \4   MeWlgumYessumerueWahafaveriWinnleiddareftirfaranditilskipanirEvr;pusambands ' ins###w#:64/225/EBE,72/166/EBE,73/239/EBE,73/240/EBE,74/165/EBE,77/92/EBE,78/473/  EBE,78/660/EBE,79/267/EBE,81/76/EBE,83/349/EBE,84/5/EBE,87/344/EBE,88/357/  EBE,90/232/EBE,90/619/EBE,91/674/EBE,92/48/EBE,92/49/EBE,92/96/EBE,98/78/ `  EB,2000/12/EBE,2000/26/EB,2001/17/EB,2001/24/EB,2002/13/EB,2002/87/EB,2002/ S+! 92/EB,2005/14/EB,2005/68/EB,2007/44/EB. " @ 106.gr.  $   LgYessiWlastYegargildi. !W%   ViWgildistkulagaYessarafallargildilgnr.60/1994,umvtryggingastarfsemi,meW J""& sWaribreytingum. #' @c c  kvWitilbrWabirgWa.  $ )   Vtryggingaflgsem10.desember2007hfWuhttaWtakaaWsrnUjavtryggingar v%N!* httuogunnueingnguaWafgreiWslueldriendurtryggingarsamningaeruundanskilin A&"+ kvWum35.gr.XrttfyrirkvWi40.gr.skuluvtryggingaflgsemfallaundirYessagrein  '", aWlgmarkisendaFjrmlaeftirlitinurlegayfirlitumeignirtiljfnunarvtryggingaskuldar. '#- FjrmlaeftirlitiWtilkynnirWrumaWildarrkjumumhvaWavtryggingaflgeraWrWa.Hefji ( vtryggingaflagafturtgfunUrravtryggingarsamningafellurflagiWekkilengurundir  kvWiYetta.    kvWi5.mgr.54.gr.umaWstj;rnarmennmegiekkieigastistj;rnannarsvtrygg a ingaflagseWaaWilatengdraYvnverastarfsmenn,lgmenn,endurskoWendureWatrygg T, ingastrWfrWingarannarsvtryggingaflagseWatengdraflagakemurtilframkvmda  fyrstaaWalfundivtryggingaflagseftirsamYykktlagaYessara.    Hinn31.desember2009fellur8.tlul.1.mgr.31.gr.brott.     XauvtryggingaflgsemviWgildistkulagaYessarauppfyllaekkikvWi1.mgr.34.gr.  X umlgmarksfjrhWlgmarksgjaldYolshafafresttil30.jn2010tilYess.FramaWYeim K #  tmaskallgmarksgjaldYolY;aldreiveralgraen255millj;nirkr;na.    @ #dggAthugasemdirviWlagafrumvarpYetta.#ggdvԈ    AlmenntumfrumvarpiW.  wO    FrumvarpYettaersamiWafnefndsemviWskiptarWherraskipaWiYann18.september2007 B  tilYessaWsemjafrumvarptilaWinnleiWatilskipun2005/68/EBumendurtryggingar.0nefnd    inavoruskipuWKjartanGunnarsson,skrifstofustj;riviWskiptarWuneytinu,formaWur,Rnar   GuWmundsson,sviWsstj;riFjrmlaeftirlitinu,SigurWurFreyrJ;natansson,tryggingastrW {  frWingurFjrmlaeftirlitinu,tilnefndirafFjrmlaeftirlitinu,ogX;raHallgrmsd;ttir,lg nF frWingurhjSj;vAlmennumtryggingumhf.,tilnefndafSamtkumfjrmlafyrirtkja. 9 X;ttskipunarbrfnefndarinnarhafitilgreintsemverkefniaWgeratillguuminnleiWingu  endurtryggingatilskipunarinnarvarWflj;tlegalj;staWinnleiWinginkallaWislkarbreytingar  lgumumvtryggingastarfsemiaWekkiyrWihjYvkomistaWendurskoWaYaulgheild r sinni. e=   FrYvaWlgnr.60/1994komutilframkvmdahefurYeimveriWbreyttfjlmrgum 0 sinnum,ensamYykktYeirrasnumtmavarhlutiafaWlguninnlendsrttaraWlggjf  Evr;pusambandsins.UpphaflegulgininnleidduYrgerWirESBvtryggingasviWisemY  vorugildi. i   FrgildistkulagannahafaveriWinnleiddarYrgerWirvtryggingasviWisemskylthefur \4 veriWaWinnleiWasamkvmtEESsamningnum,sWastmeWlgumnr.155/2007(5.kutkja ' tilskipun).TilYessaWtakaafallanvafaumhvaWatilskipanirhafiWurveriWinnleiddar,svo  oghverjasveriWaWinnleiWafyrstasinn,eruYrallartaldarupp105.gr.frumvarpsins.    0athugasemdumviWeinstakagreinarfrumvarpsinsersrstaklegatilgreinthvortveriWs `  aWinnleiWakvWiendurtryggingatilskipunarinnar,geratillgurtilbreytingagildandi S+! kvWum,nYessaWYaWtengistsrstaklegainnleiWingunni,eWahvortviWkomandigreineigi " srsamsvrungildandilgum.TilskUringaskalYessgetiWaWmrgumsviWumerukvWi # endurtryggingatilskipunarinnarspegilmyndafkvWumtilskipanaumskaWa-oglftrygg  $ ingar.0YeimtilvikumhafakvWinallflestumtilvikumYegarveriWinnleiddmeWlgum !W% nr.60/1994,einsogYeimhefurveriWbreytt.XvvareWlilegtaWinnleiWingendurtrygginga J""& tilskipunarinnaryrWigerWsamhliWaheildarendurskoWunlgumumvtryggingastarfsemi. #'   FrumvarpiWvarfyrstlagtframvorYingi2008enhlautYekkiafgreiWslu.SumariW2008 #( varhaldinnfundurmeWESA,EftirlitsstofnunEFTA,YarsemstofnuningerWigreinfyrirYv $ ) aWhnteldinokkurkvWieldritilskipana,seminnleiWahefWitt,ekkihafaveriWrttinn v%N!* leiddeWainnleiddaWeinsaWhluta.VarunniWYvframaWhausti2008aWsemjakvWitil A&"+ YessaWrWab;tgllumYessumogjafnframtvorusaminkvWitilinnleiWingartilskip  '", unEvr;puYingsinsogrWsins2007/44/EB,umbreytingutilskipunrWsins92/49/EBEog '#- tilskipunum2002/83/EB,2004/39/EB,2005/68/EBog2006/48/EBaWYvervarWarreglur ( ummlsmeWferWogviWmiWanirvegnavarfrnismatsviWyfirtkurogaukningueignarhlut  deildarfjrmlageiranum.    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'  Breytingarfrumvarpinufrfyrriframlagningum.     EinsogfyrrergetiWhefurfrumvarpYettaveriWlagtframWur;raunarYrgang. `  sumarYingi2009varfariWyfirumsagnirumfrumvarpiWfrumsagnaraWilumoghafaveriW S+! gerWarbreytingarfrumvarpinuaWteknutillititilYeirra,eftirYvsemtilefniY;ttitil. " NokkrarYeirravarWaeinfldumframsetningu,einkumkvWiVI.kafla,umvirkan # eignarhlut,enallnokkrareruefnisbreytingarfreldrigerWumfrumvarpsins.XykirrttaWgeta  $ hrYeirraefnislegubreytingasemgerWarhafaveriW: !W% ! ! ikmo(}x3q"i(m"  i(m  2}!3  Ԉ0    LagtertilaW;heimiltverWiaWlnafogtakaeiginhlutabrfaWveWi(53.gr.frv.).i(m  ݌J""& Ќ  "i(m"  i(m  2}!3  Ԉ0    LagtertilaWstj;rnvtryggingaflagssskyltaWsetjaformlegarreglur,semstaWfestar #' skuluafFjrmlaeftirlitinu,uminnraeftirlit,innriendurskoWun,fjrfestingarstarfsemi, #( lnveitingarogviWskiptiviWtengdaaWila(54.gr.frv.).i(m , ݌$ ) Ќ  "i(m"  i(m  2}!3  Ԉ0    LagtertilaWhfisskilyrWitilYessaWmegasitjastj;rneWagegnastarfiframkvmda v%N!* stj;raverWiYrengdennfrekar(54.gr.frv.).i(m ' ݌A&"+ Ќ  "i(m"  i(m{ 2}!3  Ԉ0    LagtertilaW;heimiltverWiaWverameWstarfandistj;rnarformannvtryggingaflagi  '", (54.gr.frv.).i(m{݌'#- Ќ  "i(m"  i(m 2}!3  Ԉ0    LagtertilaWkj;saskulinUjanendurskoWandaeWaendurskoWunarfirmaeigisjaldnaren ( fimmrafresti(56.gr.frv.).i(m݌ Ќ  "i(m"  i(m8 2}!3  Ԉ0    LagWarerutilnokkrarbreytingarviWurlagakvWumsemflestarleiWirafbreytingum  semgerWarhafaveriWVI.kaflaentilviWb;tarergertrWfyriraWbrotreglumumaW a viWhaldafullngjandieignumtiljfnunarm;tivtryggingaskuldogbrotreglumum T, lnveitingargegnveWieiginhlutabrfumgetivarWaWsektumeWafangelsi(101.gr.  frv.).i(m8e݌ Ќ  @ AthugasemdirviWeinstakargreinarfrumvarpsins.  X @ Um1.gr. K #    FrumvarpiWleggurtilverulegarbreytingar1.gr.frgildandilgum,nr.60/1994,eink    umvegnainnleiWingartilskipunESBumendurtryggingar.AfhennileiWiraWgeraYarfskUr    angreinarmunYvhvortvtryggingastarfsemisstunduWsemstarfsemisviWifrumtrygg   ingaeWasviWiendurtryggingastarfsemi.XverskilgreintgreininnihvaWtelstvtrygginga wO  starfsemi,frumtryggingastarfsemiogendurtryggingastarfsemi. B  @ Um2.gr.     FrumvarpiWleggurtilYbreytingufrgildandilgum,nr.60/1994,aWslenskvtrygg {  ingaflgskulirekinhlutaflagaformi.GildandilggerabWirWfyrirhlutaflagaformi nF semogYvaWunntsaWrekavtryggingaflagsemgagnkvmtflag,enYegargildandilg 9 komutilframkvmdavorustarfandiallnokkurgagnkvmvtryggingaflg.    Gagnkvmvtryggingaflgvorustarfandihrlandialltframtilrsins2003,flest  sviWibtatrygginga.St;rugagnkvmuvtryggingaflgintv,Samvinnutryggingarg.t.og r Brunab;taflag0slands,httueiginlegrivtryggingastarfsemirinu1989Yegarvtrygg e= ingastofnarYeirravorufluttirtilnUstofnaWhlutaflags,Vtryggingaflags0slandshf.r 0 unum2001!2003urWuverulegarbreytingarvtryggingastarfsemihrlandiYegarvtrygg  ingastofnargagnkvmrabtabyrgWarflagaogSambyrgWar0slandsfiskiskipumvoru  frWiryfirtilannarsvtryggingahlutaflags.XvorubreytingargerWarVerWitrygginguer i flaginuvarbreytthlutaflag. \4   VrWurvarsWastagagnkvmaflagiWlandsvsu.XaWstarfarnsemhlutaflag. '   0dageruenginstarfandigagnkvmvtryggingaflghrlandi.Xettaflagaformerhins  vegarYekktWrumNorWurlndumogmununokkurgagnkvmvtryggingaflgennstarf  andi,m.a.ereittstrstavtryggingaflagNoregsgagnkvmtflag.0Danmrkuerstarfandi `  tluverWurfjldismrra!danskanmlikvarWa!gagnkvmravtryggingaflagasemveita S+! Yj;nustuafmrkuWummrkuWum.0nokkrumEESrkjum,m.a.flestumhinnanUrri,erhins " vegarekkiheimiltaWstofnavtryggingaflgmeWWruflagaformiensemhlutaflg. #   SvovirWistsemgagnkvmaflagsformiWdugivartmarkaWiYarsemvirksamkeppnier.  $ GagnkvmvtryggingaflgeigaerfiWleikumefYauYurfaaWbtafjrhagsstWusna.Xau !W% getaekkilktoghlutaflgaukiWeigiWfflagsinsmeWtgfunUrrahlutabrfa.Gagnkvma J""& flagsformiWvirWisteinkumhentaYegarumsrhfWarvtryggingareraWrWatakmrk #' uWumrekstri.XerfiWleikasemgagnkvmuvtryggingaflginlentuhrlandimfyrst #( ogfremstrekjatilvandrWaYeirraviWaWhlaaWfjrhagslegumstyrksnumsamkeppnis $ ) markaWi. v%N!*   EngingagnkvmvtryggingaflgerustarfandiogenginmerkiYessaWaWilarhrlandi A&"+ hyggiststofnaslktvtryggingaflag.stWulaustkannYvaWveraaWviWhaldaheimildum  '", semekkierunUttar.VerWurekkisWaWafnmheimildartilaWstofnsetjagagnkvmvtrygg '#- ingaflgskaWihagsmuniaWilaYvframverWurtilstaWarheimildtilaWstofnsetjavtrygg ( ingaflag,Y;ttmeWWruflagaformis.EkkierveriWaWskerWarttindit.d.flagasamtaka  tilYessaWgefaflagsmnnumsnumkostaWstandaaWstofnunvtryggingaflags.Slku  flagiyrWinefabeturkomiWfyrirhlutaflagaformiensemgagnkvmtflag.LoksberaW a hafahugfastaWlgumumvtryggingastarfsemierukvWiumgjaldYolvtryggingaflaga. T, kvWiYessi,semerukomininnlendanrttsemhlutiafEESrtti,tiltakakveWiWlg  marksgjaldYol.SemdmimnefnaaWreglurumgjaldYologafnmeinkarttarbta  byrgWarflagannaaWveitaYj;nustutilteknumarkaWssvWi,hfWufrmeWsrerfiWleika   fyrirbtabyrgWarflg0slandi.ErfiWleikasemvoruundanfariYessaWflginhttuv  X tryggingastarfsemi. K #    AWteknutillititilofanritaWsgerirfrumvarpiWrWfyrirYeirribreytingufrgildandilgum    aWvtryggingaflgskuliverarekinhlutaflagaformi.      XrttfyrirofanritaWervertaWtakaframaWmgulegteraWframkomihugiaWstofna   gagnkvmtvtryggingaflaghrlandi.EinsogWursegirerYaWflagaformYekkt wO  NorWurlndunum.VerWislktrauninerfullstWatilYessaWgaumgfahvortheimilaeigi B  aWnUjuaWvtryggingaflggetiveriWrekinsemgagnkvmflg.      02.mgr.ergertrWfyrirYvaWbundinvtryggingaflgsuekkirekinWruvsien   hlutaflagaformi.MikilvgteraWtakaaftvmliumaWslkflgsustarfsleyfisskyldog {  biviWsmurekstrarskilyrWiognnurhlutaflg. nF   XerbttviWYvkvWiaWheimiltsaWrekavtryggingaflagsemEvr;puflag. 9 @ Um3.gr.    Fyrrimlsgreingreinarinnarersamhlj;Wa3.gr.gildandilagasemfjallarumYstarfsemi r semkvWilagannatakaekkitil.SeinnimlsgreininerinnleiWing2.mgr.1.gr.tilskipunar e= 2005/68/EB,umendurtryggingu,Yarsemtalineruppsendurtryggingastarfsemisem 0 undanYeginerkvWumtilskipunarinnar.EnginendurtryggingastarfsemiernstunduW  vegumhinsopinberahrlandi.  @ Um4.gr. \4   Greininersamhlj;Wa4.gr.gildandilagasemtiltekurhvenrflagasamstWaskulilta ' kvWumlaganna.  @ Um5.gr. `    FrumvarpiWgerirtillguaWbreytingumkvWumgildandilagaumhvarvtryggjam S+! httur.0fyrstalagiergerWurgreinarmunurfrumtryggingarhttuogendurtryggingar " httuoggildamismunanditakmarkanireftirYvumhvorahttunaerveriWaWfjalla.0 # WrulagierYaWtilgreintsrstaklegaaWfrumtryggingaflagskulihafastarfsleyfiFjrmla  $ eftirlitsinseWaannarssambrilegsstj;rnvaldsaWildarrki.0YriWjalagitilgreinirfrumvarpiW !W% aWheimiltsaWendurtryggjainnlendafrumtryggingarhttuhjflagiutanaWildarrkisef J""& fyrirliggursamstarfssamningurmilliFjrmlaeftirlitsinsogeftirlitsstj;rnvaldsYvrki #' umgagnkvmteftirlit,ogfj;rWalagitiltekurfrumvarpiWaWengarhmlursuaWkaupa #( endurtrygginguvegnaendurtryggingarhttu.ErYaWsamrmiviWYaWaWendurtrygginga $ ) starfsemieralYj;Wleg,sbr.umfjlluninngangskvWi37tilskipun2005/68/EB. v%N!*   A&"+ @ & a  Um6.gr. (   EfnislegaersambrilegtkvWiogfrumvarpiWgerirhrtillguumaWfinna55.gr.gild  andilagaumvtryggingastarfsemi.Tmabrt'a(5eraWendurskrifakvWiYessim.t.t.heimilda  semkveWiWerumWrumlgum.LgumopinberteftirlitmeWfjrmlastarfsemivorusam a YykkteftirgildistkugildandilagaoglagabreytingarsemurWukvWumumrttarsamband T, vtryggingartakaogvtryggingaflagsviWgildistkunUrralagaumvtryggingarsamninga  geraYaWnauWsynlegtaWafmarkabeturengildandilghvenrFjrmlaeftirlitiWgeturgripiW  tilaWgerWaogviWurlagasuhagsmunirneytendaekkihafWirtilhliWsj;nar.     01.mgr.leggurfrumvarpiWtilaWFjrmlaeftirlitiWhafiheimildtilaWgrpatilrWstafana  X efYaWteluraWstarfsemieftirlitsskyldsaWilasekkisamrmiviWg;WaviWskiptahttieWa K #  venjur.FjrmlaeftirlitinuberaWmetaYaWhverjusinnihvorttilefniertilrWstafanagrund    velliYeirraheimildasemeftirlitiWhefur.      XrttfyrirYettaverWuraWhafahugfastaWFjrmlaeftirlitiWhefurekkirskurWarvaldein   stkumgreiningsmlumeWaskerrumrttindiogskylduraWilaaWeinkarttieWagreiningi wO  umsnnunmlsatvika.XeirsembeinaerindumtileftirlitsinseigaekkisjlfkrafarttYv B  aWkvartanireWabendingarYeirraverWiteknartilmeWferWar.FjrmlaeftirlitiWhefurum    rabilstarfrktupplUsinga-ogleiWbeiningaYj;nustufyrirviWskiptavinieftirlitsskyldraaWila.   Xeirgetabeintfyrirspurnumtileftirlitsins,UmistalmennseWlisvarWandistarfshttieftirlits {  skyldraaWilaeWatengslumviWtiltekinml.FjrmlaeftirlitiWleitastviWaWveitaalmennar nF upplUsingarm.a.umhugsanlegarttarstWuaWilaogleiWbeinaaWilumumYaurrWisem 9 YeirhafatilaWnframrttisnum.    AllarbendingarogkvartanirsemberastFjrmlaeftirlitinuerumetnarogskoWaWhvort  tilefniertilnnariathugunar.TeljieftirlitiWstWutilaWtakamltilathugunarerYaWgert r grundvellialmennseftirlits,Y.e.hvortstarfsemiviWkomandieftirlitsskyldsaWilassam e= rmiviWlg,reglurogeWlilegaogheilbrigWaviWskiptahtti.XrttfyriraWkvrtuneWa 0 bendingfreinstaklingieWafyrirtkileiWitilslkrarathugunar,telstshinnsamiekkisjlf  krafaaWilimlsogekkiervstaWslkathugunleiWisjlfkrafatillausnarrlausnarefniviW  komandiaWila.XaurrWisemeinstaklingumoglgaWilumstandatilboWatilaWleitarttar i snsvegnaeinstakraviWskiptaviWvtryggingaflgeruBrskurWarnefndvtryggingamlum, \4 eftiratvikumgerWard;mar,ogalmennird;mst;lar. ' @ Um7.gr.    kvWigreinarinnareruefnislegasamhlj;WakvWum1.mgr.13.gr.gildandilaga,Y; `  aWteknutillititilYessaWfrumvarpiWgerirekkirWfyriraWheimiltsaWrekagagnkvmv S+! tryggingaflgogaWorWalagiWhefurveriWsamrmt12.gr.laganr.161/2002,umfjrmla " fyrirtki. #   LagtertilaWkvWi2.mgr.13.gr.gildandilagafallibrottYarsemupplUsingarvtrygg  $ ingaflagaskreigahverjumtmaaWveitarttarupplUsingarumfjrhWhlutafjr,sbr.5. !W% tlul.3.mgr.30.gr.frumvarpsins. J""& @ Um8.gr. #(   GreinYessiersamhlj;Wa6.gr.gildandilagaaWYvviWbttuaWrttaWeraWsmureglur $ ) gildaumstarfsemiinnlendravtryggingaflagaerlendis. v%N!*   A&"+ @ & a  Um9.gr. (   07.gr.gildandilagaeruorWskUringar.FrumvarpiWtekurYrorWskUringaruppaWmestu  ;breyttaraukYesssemnUjumerbttviW.'a(XHTilYessaWafmarkaviWskiptavinah;pfrumtrygg  ingaflagaogendurtryggingaflagaersrstkskilgreiningneytandagreininnisemaWeins a vsartilYesssemtelursigeigahagsmunisamskiptumviWfrumtryggingaflag.XrorWskUr T, ingarsembtastviWvegnainnleiWingarendurtryggingartilskipuninnieruYessar:bundiW  endurtryggingaflag,endurtryggingastarfsemi,takmrkuWendurtryggingogflagmeWsr  stakantilgang.XhefurveriWbttviWskilgreiningubundnuvtryggingaflagiogUmsar   skilgreiningaraWlagaWarskilgreiningumWrumlgumfjrmlamarkaWi.MYarnefna  X skilgreiningufjrmlasamsteypu,hlutdeildarflagi,ogvirkumeignarhlut. K #    02.mgr.erskilgreinthvernigtreikningifjrhWaevrumyfirstarfrkslugjaldmiWil    vtryggingaflagsskuliverahttaW.FjrhWirerueinkumnotaWarsemviWmiWviWtreikning    gjaldYolioglgmarksgjaldYoliogeigaYraWbreytastsamrmiviWbreytingarsam   rmdrivsitluneysluverWsEvr;pskaefnahagssvWinu.ViWsetningulaganr.37/2003,um wO  breytinglgumumvtryggingastarfsemi,nr.60/1994,vorufjrhWirskilgreindarslensk B  umkr;numogreglugerWnr.459/2003umtreikninggjaldYolsvtryggingaflagaerkveWiW    umhvernigfjrhWirbreytastsamrmiviWbreytingarWurnefndrivsitluoggengi   kr;nunnargagnvartevru. {    0YessufrumvarpierlagttilaWfjrhWirverWiafturskilgreindarsamrmiviWtilskipanir, nF Y.e.evrum.stWanerannarsvegaraWsveiflurgengikr;nugagnvartevrugerirYaWaW 9 verkumaWYaWertilviljunumhWviWhvaWadagsetninguermiWaWYegarkvrWunumbreyt  ingarfjrhWaertekinoghinsvegaraWnervtryggingaflgumheimiltaWgerauppWr  umgjaldmiWlumenslenskrikr;nuogerYegarstarfandieittvtryggingaflagsemgerirupp r erlendrimynt. e= @ttUm10.gr.    Greininerefnislegasamhlj;Wa1.mgr.8.gr.gildandilgumsemstaWseturvtryggingar  httu.kvWi2.mgr.8.gr.gildandilagahafaveriWfrW9.gr.frumvarpsinssemskil i greiningst;rhttu. \4 @ttUm11.gr.    kvWigreinarinnareruefnislegasamhlj;WakvWum9.gr.gildandilgumsemfjallar  umafmrkunstarfsemivtryggingaflagsviWaWrastarfsemifjrmlamarkaWi. `  @ttUm12.gr. "   kvWigreinarinnareruefnislegasamhlj;WakvWum10.gr.gildandilgumogaf # markastarfsheimildirlftryggingaflaga.  $ @ttUm13.gr. J""&   kvWigreinarinnarersamhlj;WakvWum11.gr.gildandilagasemfjallarumYhliWar #' starfsemisemvtryggingaflgumerheimiltaWstunda. #( @ttUm14.gr. v%N!*   kvWi14.gr.gildandilagaernnastsamhlj;Waefni3.gr.lagaumhlutaflg,2/1995. A&"+ AWeinserumtvefnislegamismunandikvWiaWrWafrYeimlgum.XaWeraWstofn  '", endurvtryggingaflagsskuliveraYrrhiWminnsta,enlgnr.2/1995skiljatvostofnendur. '#- XaWkvWierekkitekiWuppYessufrumvarpiYarsemekkierkveWiWumYaWEESrtti ( ogYykirYvekkinauWsynlegtaWviWhaldasrkvWilagannaumYrjstofnendur.0Wrulagi  ergildandilgumgertrWfyrir,upptalninguumYaWilasemmegastandaaWstofnunv  tryggingaflags,srstaklegavsaWtilvtryggingaflagameWheimilisfestihrlandi.Ekki a YykirstWatilaWteljaYauuppfrumvarpinuYarsemYaufallaundirskilgreininguhluta T, flgumlgumnr.2/1995enfrumvarpiWgerirekkirWfyriraWunntverWiaWstofnav  tryggingaflgWruvsiensemhlutaflg,sbr.umfjllunum2.gr.  @ttUm15.gr.  X   kvWigreinarinnareruaWmestuefnislegasamhlj;WakvWi15.gr.gildandilaga,Y; K #  aWteknutillititilkvWafrumvarpsinssemgerarWfyrirYvaWvtryggingaflgskuliaW    einsrekinsemhlutaflg.    @ttUm16.gr. wO    kvWigreinarinnarkomastaWkvWa16.gr.gildandilaga.GerirfrumvarpiWrWfyrir B  aWkvWinsueinflduWogYaWaWmeginefnitillagtd;mFjrmlaeftirlitsinsaW    samYykkjagreiWsluhlutameWWrumhttienreiWuf.   @ttUm17.gr. nF   kvWi9.!16.gr.lagaumhlutaflgtiltakahvaWskulikomaframsamYykktumhluta 9 flags.ErsambrilegkvWinaWfinna17.gr.gildandilaga.FrumvarpiWgerirrWfyrir  aWaWeinssutilgreindYaukvWisemerufrbrugWinYeimsemmlterfyrirumhluta  flagalgunum. r @ttUm18.gr. 0   FrumvarpiWleggurtiltluverWarbreytingarkvWumumstofnunogstarfsleyfivtrygg  ingaflags.BreytingarnartakamiWaflgumumfjrmlafyrirtki,nr.161/2002,eftirYv  semunntYykir,oglgumumhlutaflg,nr.2/1995.FrumvarpiWleggurtil1.mgr.aWFjr i mlaeftirlitiWveitistarfsleyfivtryggingaflagsensamkvmtgildandilgumerYaWviW \4 skiptarWherrasemveitirstarfsleyfiW.ErbreytingYessilgWtiltilsamrmisviWYaWsem ' gildirumnnurfjrmlafyrirtki.    2.!4.mgr.erusamhlj;Wa4.!6.mgr.25.gr.gildandilagaogsamrmiviW14.gr.,57.gr.  og60.gr.tilskipunar2005/68/EB,umendurtryggingu. `  @ttUm19.gr. "   kvWi1.mgr.eraWmestusamhlj;WakvWi1.mgr.21.gr.gildandilaga.X;leggur # frumvarpiWtilbreytingar9.tlul.,vegnatilvsunartilXIII.kaflalagaumvtryggingar  $ samninga,umalmennaforsendurfyrirbyrgWflagsins.02.mgr.mfinnakvWiefnislega !W% samhlj;Wa2.mgr.25.gr.gildandilaga. J""&   Xarsemupptalning1.mgr.Yvsemfylgjaskalums;knereinkumsniWinaWstarfsemi #' frumtryggingumerhnykktYv3.mgr.aWvtryggingaflg,burtsWfrYvhvaWasviWi #( vtryggingaYaustarfa,YurfiaWskjaumstarfsleyfi.TilupplUsingaskalYessgetiWaW2.!4. $ ) mgr.21.gr.gildandilaga.erufelldarbrott. v%N!*   A&"+ @tt& a  Um20.gr. (   GreininerinnleiWing46.gr.tilskipunar2005/68/EBYarsemaWildarrkjumervalfrjlst  aWheimilastarfsemiflagameWsrstakan'a(zitilgangaWfengnustarfsleyfi.GerterrWfyriraW  fyrirliggiregluraWildarrkinuumslkastarfsemiogerFjrmlaeftirlitinufaliWaWsetja a slkarreglurefYrfkrefur. T, @ttUm21.gr.    Greininernnastsamhlj;Wa22.gr.gildandilgum.FelldarhafaveriWbrotttilvsanirtil   endurtryggingaYarsemsrstaklegaerkveWiWumslkanrekstur23.gr.frumvarpsins.  X @ttUm22.gr.      Greininernnastsamhlj;Wa23.gr.gildandilgum.AWeinshafaveriWfelldarbrotttil    vsanirtilendurtryggingaYarsemsrstaklegaerkveWiWumslkanrekstur23.gr.frum   varpsins. wO  @ttUm23.gr.      GreininerinnleiWing2.mgr.4.gr.tilskipunar2005/68/EBsemtilgreiniraWstarfsleyfi   endurtryggingaflagsskuliveittfyrirendurtryggingarsviWiskaWatrygginga,lfendurtrygg {  ingaeWahverskonarendurtryggingastarfsemisamkvmtbeiWniumskjanda. nF @ttUm24.gr.    GreininerinnleiWing45.gr.tilskipunar2005/68/EB.XareraWildarrkjumvalfrjlstaW  setjareglurumstarfsemitakmrkuWumendurtryggingum.SlkstarfsemierekkistunduW r hrlandienFjrmlaeftirlitiWmunsetjareglurumslkastarfsemiefYrfkrefur.09.gr. e= frumvarpsinseraWfinnaskilgreiningutakmarkaWriendurtryggingu(e:finitereinsurance) 0 semendurtrygginguYarsembeintmgulegthmarkstap,mltsemyfirfrWfjrhagslegh  markshttasemleiWirafyfirfrsluverulegrarvtryggingarhttuertengistbWivtrygg  ingaratburWiogtmasetninguyfirfrsluvtryggingarhttunnar,erhrraeniWgjaldiW i gildistmasamningsinssemsvarartiltakmarkaWrarenY;verulegrarfjrhWar,samta.m.k. \4 WruhvorueftirfarandiatriWa:i)skUruogefnislegumatitmavirWifjrhWa(e:timevalue ' ofmoney),ii)samningsbundnumkvWumumaWn,tillengritmalitiW,jafnvgifjr  hagslegrireynsluaWilaviWaWnYeirriyfirfrsluhttusemaWerstefnt.  @ttUm25.gr. S+!   Greininerefnislegasamhlj;Wa24.gr.gildandilagasemkveWurumaWumskjandium " leyfitilaWmegastundavtryggingastarfsemiskulileggjaframtlunumhinavntanlegu # starfsemi.  $ @ttUm26.gr. J""&   025.gr.gildandilagaergertrWfyrirYvaWumskjendurumstarfsleyfileggiinnum #' s;kntilFjrmlaeftirlitsinssemleggisWanfaglegtmatums;kninaogYsemstandaaW #( henni.AWfenginniumsgnFjrmlaeftirlitsinsveitisWanrWherrastarfsleyfisamrmiviW $ ) umsgnYess.FrumvarpiWleggurtilYbreytingugildandilgumaWFjrmlaeftirlitiWs v%N!* starfsleyfisveitandi.ErYaWsamrmiviWaWrarstarfsleyfisveitingarfjrmlamarkaWi.AW A&"+ teknutillititilsrkvWaumvtryggingastarfsemiergreininaWefnitilsamhlj;WakvWum  '", 6.gr.umveitingustarfsleyfalgumumfjrmlafyrirtki,nr.161/2002.0samrmiviW '#- kvWi6.gr.lagaumfjrmlafyrirtkileggurfrumvarpiWtilaWFjrmlaeftirlitiWafgreiWi ( fullbnaums;kninnanYriggjamnaWaengildandilggerarWfyrirYvaWeftirlitiWsendi  rWherraumsgnsnaumums;kninnansexmnaWa.  @ttUm27.gr. T,   LgWertilbreytingkvWum25.gr.gildandilagaumsynjunstarfsleyfis.Einsogfram  kemurathugasemdumum26.gr.leggurfrumvarpiWtilYbreytinguaWFjrmlaeftirlitiW  veitieWasynjiumstarfsleyfi.1.og3.mgr.eruefnislegasamhlj;WakvWum7.gr.lagaum   fjrmlafyrirtki.kvWi2.mgr.eruefnislegasamhlj;WakvWum3.mgr.25.gr.gildandi  X lagaumaWheimiltsaWsynjastarfsleyfishfistj;rnarogframkvmdastj;ra,eWaeiganda K #  virkseignarhluta,ekkiviWunandi.    @ttUm28.gr.     Greininerefnislegasamhlj;Wa27.gr.gildandilaga. wO  @ttUm29.gr.      05.mlsl.3.mgr.25.gr.gildandilagasegiraWsynjaskuliumstarfsleyfiefraunverulegar   aWalstWvarvtryggingaflagssuekkihrlandi.kvWigreinarinnareruefnislegasam {  hlj;WakvWum15.gr.l.umfjrmlafyrirtki,nr.161/2002,ogtekurYaWskUrtframaWv nF tryggingaflagsemhlotiWhefurstarfsleyfisamrmiviWkvWi26.greinarskulihafa 9 hfuWstWvarsnarhrlendis.kvWiWgildirYvekkiaWeinsumstaWsetninguaWalstWva  Yegarums;knumstarfsleyfierlgWframheldurllumstarfstmaviWkomandistarfsleyfis  hafa. r @ttUm30.gr. 0   FrumvarpiWleggurtileinfldunutanumhaldivtryggingaflagaskrrenkvWiumv  tryggingaflagaskreraWfinna28.gr.gildandilaga.GerirfrumvarpiWrWfyriraWskrin  sbirtopinberlega,Y.e.heimasWuFjrmlaeftirlitsinsogllumaWgengileg.EkkierugerW i artillgurumefnislegarbreytingarsjlfriskrnni.FjrmlaeftirlitiWvinnurnYegaraW \4 opinberribirtinguvtryggingaflagaskrrogaWYvaWflginsjlfgetibreyttYeimupp ' lUsingumsemekkikrefjastfyrirframsamYykkiseftirlitsins.  @ttUm31.gr. `    GreininafmarkarYrfjrhWirsemmyndagrunntreikningsgjaldYoliogsrsam S+! svrun29.gr.gildandilaga.1.mgr.erefnislegasamhlj;Wa1.mgr.29.gr.gildandilaga,Y; " aWteknutillititilkvWafrumvarpsinssemgerarWfyrirYvaWvtryggingaflgskuli # aWeinsrekinsemhlutaflg.FelldirhafaveriWbrott1.b.tlul.og7.tlul.semvrWuWufjr  $ hagsgrundvllgagnkvmraflaga.EinnighefurveriWnverandi10.tlul.(Wur11.tlul. !W% 29.gr.)setttilskUringaraW;efnislegareignirerudmiumnauWsynlegarafskriftirogniWur J""& frslur,endagerakvWitilskipanaumvtryggingastarfsemirWfyriraW;efnislegareignir #' sudregnarfrgjaldYoli. #(   EkkiergerWefnislegbreyting2.mgr.entilvsuntluliWihefurveriWaWlguWaWbreyt $ ) ingum1.mgr. v%N!*   3.mgr.erinnleiWing2.mgr.36.gr.og8.mgr.60.gr.endurtryggingatilskipunarinnar A&"+ varWandiundanYgurfrYvaWdragahlutdeildWrumvtryggingaflgumogWrumfjr  '", mlafyrirtkjumfrgjaldYoli. '#-   4.mgr.ersamhlj;Wa3.mgr.29.gr.gildandilagaaWYvundanskilduaWlokamlsliWurinn ( hefurveriWtekinntvegnaYessaWlokamlsgreininniergertrWfyriraWFjrmlaeftirlitiW  gefitnUjarreglurumtreikningaWlagaWsgjaldYols.    5.mgr.ersamhlj;Wa4.mgr.29.gr.gildandilaga. a   06.mgr.hefurveriWgerWsbreytingaWgerterrWfyriraWFjrmlaeftirlitiWsetjinUjar T, reglurumtreikningaWlagaWsgjaldYolssemkomistaWgildandireglugerWarnr.954/2001.  stWaYesseraWvntanlegumreglumFjrmlaeftirlitsinsumviWb;tareftirlitmeWfjr  mlasamsteypumergertrWfyrirannarriaWferWviWtreikninggjaldYolsfjrmlasamsteypa   ennergertrWfyrirvarWandivtryggingasamstWur.MunuYrgerarWfyriraWsmu  X reglurgildiumviWb;tareftirlithvortsemvtryggingaflagerhlutiafvtryggingasamstWu K #  eWafjrmlasamsteypu.NUjumreglumFjrmlaeftirlitsinserYvtlaWaWsamrmaaWferWir    viWtreikninggjaldYols.      7.mgr.ersamhlj;Wa5.mgr.29.gr.gildandilaga.   @ttUm32.gr. B    Xessigreinersamsvarandi30.gr.gildandilagaaWundanskildumeftirfarandibreytingum    semeruma.tilinnleiWingarkvWum37.gr.tilskipunar2005/68/EB,umendurtryggingu.     Hefur1.og2.tlul.1.mgr.veriWbttviWkvWiYessefnisaWhkkuniWgjaldaogtj;na {  greinaflokkumskv.11.,12.og13.tlul.1.mgr.21.gr.um50%,skulijafnframteigaviW nF umendurtryggingarviWkomandigreinaflokkum. 9   ViWmiWunarfjrhWir1.mgr.eruevrumogerufjrhWirsamrmiviWtilskipanir  2002/12/EBumbreytingarfyrstutilskipunumlftryggingar1979/267/EBEhvaWvarWar  lgmarksgjaldYollftryggingaflagaog2002/13/EBumbreytingarfyrstutilskipunum r skaWatryggingar1973/239/EBEhvaWvarWarlgmarksgjaldYolskaWatryggingaflaga,en e= tilskipanirYessarvoruinnleiddarmeWlgumnr.37/2003,sembreyttulgumnr.60/1994. 0 HafaberhugaaWfjrhWirhafaveriWhkkaWarsamrmiviWYr;unsamrmdrarvsitlu  neysluverWsEES/ESB.GjaldYolsskUrslurvtryggingaflagatilFjrmlaeftirlitsinsmunutaka  breytingumsamrmiviWYr;unvsitlunnar. i   ViWtreikningeigintj;numerkveWiWumaWendurtryggingaflgumsheimiltaW \4 dragafrkrfurflgmeWsrstakantilgang,sbr.3.mgr.37.gr.endurtryggingatilskip ' unarinnar.    3.mgr.YessarargreinarernUoginniheldurvalkvttkvWigildanditilskipanasemekki  hefurveriWinnleittWur.NotkuntlfrWilegraaWferWaviWtreikninggjaldYolskrfuermikil `  vgurgrundvllurvntanlegragjaldYolsreglna(SolvencyII)ogerYvtmabrtaWheimila S+! notkunslkraaWferWa. " @ttUm33.gr.  $   Greininerefnislegasamhlj;Wa31.gr.gildandilaga.kvWiWeingnguviWumstarf !W% semilftryggingaflagafrumtryggingumogYvhefur6.tlul.31.gr.gildandilagaveriW J""& felldurbrott.BtreikningurlgmarksgjaldYoliendurtryggingaflagaskalverasamrmiviW #' kvWi32.gr.frumvarpsins.Einniger5.tlul.gerWsbreytingaWFjrmlaeftirlitiWskal #( setjareglurumhlutdeildannaralftryggingaskv.5.tlul.22.gr.lgmarksgjaldYolien $ ) kveWiWvarumsetningureglugerWarWur.BreytinginergerWtilaWflUtafyrirreglumum v%N!* meWhndlunYessaralftryggingaefYrfkrefurenhingaWtilhefurYessekkireynstYrfaW A&"+ setjareglugerW.  '",  '#- @ttUm34.gr. (   1.mgr.greinarinnarerefnislegasamhlj;Wa1.mgr.33.gr.gildandilagameWYeirribreyt  inguaWfjrhWireruntilteknarevrumengildandilgtilgreinafjrhWirkr;nummeW  kvWiumgengisviWmiWun.stWanerannarsvegaraWsveiflurgengikr;nugagnvartevru a gerirYaWaWverkumaWYaWertilviljunumhWviWhvaWadagsetninguermiWaWYegarkvrW T, unumbreytingarfjrhWaertekinoghinsvegaraWnervtryggingaflgumheimiltaW  gerauppWrumgjaldmiWlumenslenskrikr;nuogerYegarstarfandieittvtryggingaflag  semgerirupperlendrimynt.     2.mgr.erinnleiWingvalkvWukvWi2.mgr.40.gr.tilskipunar2005/68/EBvarWandi  X lgmarksgjaldYolbundinnaendurtryggingaflaga. K #    3.mgr.erinnleiWing6.mgr.57.gr.og10.mgr.60.gr.tilskipunar2005/68/EBsem    kveWurumaWlgmarksgjaldYolvtryggingaflagssemekkierskilgreintsemendurtrygg    ingaflag,YvtilvikiaWumfangendurtryggingastarfsemiflagsinsfariyfirtiltekinmrk,   skulialdreiveralgraen3millj;nirevra. wO    ViWmiWunartmabilsamrmdrarvsitluneysluverWsaWildarrkjumEEShefurveriWskil B  greintm.v.20marsrhvertsamrmiviWverklagFramkvmdastj;rnarESB.      5.mgr.erefnislegasamhlj;Wa2.mgr.33.gr.gildandilagasemfjallarumsamsetningu   lgmarksgjaldYols. {    6.mgr.erefnislegasamhlj;Wa4.mgr.33.gr.gildandilagasemfjallarumhverniglg nF marksgjaldYolvtryggingaflagssemeraWhefjastarfsemiskulireiknaW. 9 @ttUm35.gr.    GreininerinnleiWing33.gr.og3.mgr.58.gr.tilskipunar2005/68/EB,sbr.og3.mgr. r 1.gr.tilskipunar87/343/EBEumbreytingu,aWYvervarWargreiWslu-ogefndavtryggingar, e= fyrstutilskipun73/239/EBEumsamrmingulgumogstj;rnsUslufyrirmlumtilaW 0 hefjaogrekastarfsemisviWifrumtryggingaannarraenlftrygginga,semkveWurumaW  vtryggingaflgsemhafastarfsemigreiWsluvtryggingumsemnemurtilteknuumfangi,  hvortsemerfrum-eWaendurtryggingum,skulileggjatilhliWartjfnunarsj;W.0eldritil i skipunumgerasambrilegkvWirWfyrirtjfnunarskuldsemekkierlengurheimilsam \4 kvmtalYj;WlegumreikningsskilastWlum(IFRS).Btjfnunarsj;Wursemhrerskilgreindur ' fristsemhlutiafeiginfjrliWumefnahagsreikningi.  @ttUm36.gr. `    1.,2.og5.mgr.greinarinnareruefnislegasamhlj;Wa1.,2.og3.mgr.34.gr.gildandi S+! laga. "   3.mgr.erinnleiWing3.mgr.32.gr.tilskipunar2005/68/EBumendurtryggingu,semtil # greiniraWYegarheimarkiheimilaraWvtryggingaskuldstryggWmeWkrfumhendur  $ endurtryggjendum,semeruekkimeWstarfsleyfisamrmiviWkvWitilskipunarinnar,eWa !W% vtryggingaflgum,semekkierumeWstarfsleyfisamrmiviWtilskipun73/239/EBEeWa J""& 2002/83/EB,skuliYaWkveWaskilyrWiYessaWslkarkrfursuviWurkenndar. #'   4.mgr.erinnleiWing2.mgr.20.gr.tilskipun2002/83/EBumlftryggingarenYarsegir #( aWvtryggingaflgskuliupplUsaalmenningumgrunnogreiknireglurvtryggingaskuldar, $ ) YarmeWalumg;Wahlutdeild. v%N!*   A&"+ @tt& a  Um37.gr. (   1.mgr.greinarinnarerefnislegasamhlj;Wa2.mgr.35.gr.gildandilagaaWYvundan  skilduaWmlsgreininneingnguviWumfrumtryggingaflg.'a(    2.og3.mgr.eruinnleiWing34.gr.tilskipunar2005/68/EBumeignirtiljfnunarv a tryggingaskuldendurtryggingaflags. T,   4.mgr.ersamhlj;Wa3.mgr.35.gr.gildandilagaumfrelsitilYessaWvaxtaeignirsem  ekkierutiljfnunarvtryggingaskuld.    5.mgr.erinnleiWing6.mgr.57.gr.og10.mgr.60.gr.tilskipunar2005/68/EBsem   kveWurumaWaWildarrkigetaheimilaWaWvtryggingaflagsemekkierskilgreintsem  X endurtryggingaflagenumfangendurtryggingastarfsemiflagsinsferyfirtiltekinmrk, K #  uppfyllikrfur2.mgr.enekki1.mgr.,varWandistarfsemiendurtryggingum.    @ttUm38.gr.     GreinYessiersamhlj;Wa36.gr.gildandilagasemfjallarumaWstj;rnvtryggingaflags wO  skulitryggjaaWfyrirhendisflaginufullngjandiYekkingtryggingatknilegumatriW B  um.    @ttUm39.gr. {    Greininersamhlj;Wa37.gr.gildandilagaumskyldulftryggingaflagatilYessaWhafa nF tryggingastrWfrWingYj;nustusinni. 9 @ttUm40.gr.    Greininfelursrbreytingu38.gr.gildandilaga.Efnislegaerekkiumbreytingukrf r umaWrWaY;aWorWalagihafiveriWbreytt.VtryggingaflgumberhverjumtmaaWhafa e= yfirsUnogupplUsingarviWeigandiformiyfireignirtiljfnunarvtryggingaskulden 0 greininnierekkitiltekiWmeWhvaWahttistaWiWskuliaWYv.    FjrmlaeftirlitiWfrsendarupplUsingarumYessareignirrsfj;rWungslegafyrirfram  gefnuformigegnumrafrntskUrsluskilakerfiogerYvkvWiWumaWskrvtrygginga i flagsumeignirnarssendFjrmlaeftirlitinuekkisamrmiviWnverandiframkvmd. \4 MeWinnsendingugagnannalturFjrmlaeftirlitiWsvoaWvtryggingaflagiWstaWfestiog ' beribyrgWrttmtiupplUsinganna.    02.mgr.eraWfinnaundanYgukvWifrkrfuumaWupplUsingarumeignirtiljfnunar  vtryggingaskuldsusendarFjrmlaeftirlitinursfj;rWungslegaenstaWYessngirleg `  skil.kvWiWviWumViWlagatryggingu0slands. S+!   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Um42.gr. wO    Tilskipun2007/44/EBafmarkarYanntmarammasemeftirlitsstj;rnvldhafatilYessaW B  hafnakaupumeWaaukninguvirkumeignarhlut,sbr.3.mgr.1.gr.tilskipunarinnar.Enn    fremurertilskiliWaWeftirlitsaWilinnstaWfestiviWsendandaaWhannhafim;ttekiWtilkynningu   hans. {    Um43.gr. 9   0greininnieraWfinnaupptalninguYeimupplUsingumsemaWila,semhyggsteignasteWa  aukaviWvirkaneignarhlut,beraWsendaFjrmlaeftirlitinu.Upptalninguninni,semerllu  tarlegrienssemfinnamtilskipuninni,ertlaWaWveratmandivarWandiYauatriWisem r geraYarfgreinfyrir.aWilisemtilkynnirumfyrirtlanirsnarYvekkiaWgetavelstvafa e= umhvaWaatriWiYaWerusemframskulukomatilkynninguhans. 0   Um44.gr.  X  0samrmiviWkvWi42.gr.hefurFjrmlaeftirlitiWtiltekinntmarammatilYessaWmeta i trverWugleikaYesssemhyggsteignasteWaaukaviWvirkaneignarhlutvtryggingaflagi. \4 0greininnierskiliWaWYaWskulitilkynnaviWkomandiumniWurstWusnainnantmaramm ' ans,ellaverWurlitiWsvoaWviWkomanditeljisthfurtilYessaWfarameWhlutinn.    Tilskipun2007/44/EBskilureinnigaWeftirlitsstj;rnvldEvr;pskaefnahagssvWinu  skulihafameWsrsamstarfYegarssemhyggsteignasteWaaukaviWvirkaneignarhluter `  aWilifrWrurkienYvsemhefureftirlitmeWvtryggingaflaginu. S+!   Um45.gr. #   kvWigreinarinnareruekkibeininnleiWingkvWatilskipunar2007/44/EB.Greinin  $ fjallarumhvernigferumatkvWisrttaWilasemeignasteWaeykurviWvirkaneignarhlutn !W% YessaWhafatilkynntFjrmlaeftirlitinufyrirframumfyrirtlanirsnar.MeWgreininnier J""& gerWtillagaaWmeWalh;fsregluYarsemviWkomandiergefinnmguleikiYvaWsendainn #' tilkynninguogWlastfullrttindiyfireignarhlutsnumefniWurstaWaFjrmlaeftirlitsins #( verWursaWhannstilYessbr.AnnarmguleikivrisaWtlkaskorttilkynningu $ ) YrngtoghafnakaupunummeWtilvsantil6.tlul.eWa8.tlul.43.gr. v%N!*   A&"+   & a  Um46.gr. (   GreinintiltekurYaurrWisemFjrmlaeftirlitiWhefur,fylgiaWiliekkiYeimfyrirmlum  semframkomatilkynninguYessumaW'a(hannsekkihfurtilYessaWfarameWhlutinn.0  greininnierennlitiWtilmeWalh;fsogaWilagefinnmguleikiaWWlastyfirrWyfirhlutsem a hannttiWureftiraWhafaseltYaWsemhanneignaWistnsamYykkis.X;ttslktsekkilagt T, tilfrumvarpinu,hefWivelkomiWtilgreinaaWltasvoaWaWilisemhunsaWialfariWniWur  stWueftirlitsaWilansvriekkihfurtilYessaWfarameWvirkaneignarhlutogskyldisviptur  atkvWisrttitilframbWar.     Um47.gr. K #    EfekkikmutilhmlurmeWferWeignarhlutarmeWaneftirlitsaWilinneraWmetahfi    YesssemeignasteWaeykurviWvirkaneignarhlut,vriaWilanuml;falagiW,vrihannYann    iginnrttaWur,aWskaWaflagiWeWarUrahagsmuniannarrahluthafa.kvWinuertlaWaW   tryggjahagsmuniallrahlutaWeigandimeWanFjrmlaeftirlitiWhefurhfiYesssemeignast wO  hefureWaaukiWviWeignarhlutsinntilskoWunar. B    Um48.gr.   *  MeWsamahttiogaWiliskaltilkynnaFjrmlaeftirlitinuumfyrirtlanirsnarhyggist {  hanneignasteWaaukaviWvirkaneignarhlut,skalhanntilkynnaYvumslueignarhlut. nF kvWi42.gr.umtmarammaFjrmlaeftirlitsinstilYessaWbregWastviWtilkynningunni 9 eiga,eWlimlssamkvmt,ekkiviWslkumtilvikum.    Um49.gr. r *  Sstj;rnvtryggingaflagskunnugtumbreytingareignaraWild,sbr.YaumrksemvsaW e= ertil41.gr.,skalhntilkynnaFjrmlaeftirlitinuumYr. 0   Um50.gr.  B  TilYessaWgetaviWhaldiWvirkueftirlitimeWvtryggingaflgumogmetiWhfiYeirrasem i eigavirkaneignarhlutYeimernauWsynlegtaWFjrmlaeftirlitiWhafiheimildirtilYessaW \4 geta,hverjumtma,tekiWhfiYeirratilathugunar. '   Um51.gr.    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X   041.gr.gildandilagaeraWfinnakvWiumeiginhluti.VegnaYessaWfellderubrott K #  kvWisemvsatilgagnkvmravtryggingaflagaeruYaukvWimuneinfaldari.02.mgr.    erlagttilnUmliumaWvtryggingaflagis;heimiltaWveitalnmeWveWieiginhlutabrf    umeWaskuldabrfum.MvntaYessaWsambrilegkvWiverWilgWtilvegnaannarra   fyrirtkjafjrmlamarkaWi. wO  @ttUm54.gr.      samkeppnismarkaWiermikilvgtaWeignarhaldogstj;rnarsetaskapiekkihttuhags   munarekstrumfjrmlamarkaWi.Mikilvgtert.d.aWm;Wurflagsemsemd;tturflg, {  annarsvegarvtryggingaflagoghinsvegarfjrmlafyrirtki,gtiYessaWsmustj;rnar nF mennsuekkitilnefndirtilstj;rnarsetufjrmlafyrirtkinuogvtryggingaflaginu.Xetta 9 ermikilvgtt.d.YvtilvikiYegarfjrmlafyrirtkiWsamstarfiviWannaWvtrygginga  flagsemsamkeppniviWd;tturflagm;Wurflagsins.Svonefndkrossstj;rnarsetaafYv  tagisemhrumrWirgeturvaldiWaukinnihttuhagsmunarekstrumogorWsporshttu. r   TilsamrmisviWYettaerulagWartilnokkrarbreytingarfrkvWum43.gr.gildandilaga e= semfjallaumstj;rnvtryggingaflags.0fyrstalagierlagttilaWstj;rnsetjireglursemstaW 0 festarskuluafFjrmlaeftirlitinuuminnraeftirlit,innriendurskoWun,fjrfestingarstarfsemi,  lnveitingarogviWskiptiviWtengdaaWila.0WrulagiaWstj;rnarmennogframkvmdastj;ri  vtryggingaflagsmegiekkihafahlotiWd;mvegnabrotasamkeppnislgumogsrlgum i semgildaumaWilasemltaopinberueftirlitimeWfjrmlastarfsemi,YarmeWallgumum \4 vtryggingastarfsemi.0YriWjalagierskerptWrumhfisskilyrWumumfjrhagsstWu, ' menntun,starfsreynsluogstarfsferilstj;rnarmannaogframkvmdastj;ra.Ennfremurerlagt  tilaWFjrmlaeftirlitiWsetjisrstakarreglurumfjrhagslegtsjlfstWistj;rnarmannaog  framkvmdastj;raogumhvernigstaWiWskuliaWhfismatiYessaraaWila. `    XerulagWartilYrengriheimildirtilstj;rnarsetuWrumflgumoglokserrttaWvekja S+! athygliYvaWlagtertilaW;heimiltverWiaWverameWstarfandistj;rnarformannvtrygg " ingaflagi.kvWifrumvarpsinsumstarfandistj;rnarformennbyggistefnisleganiWurstW # umnefndarumstefnum;tunslensksviWskiptaumhverfissemValgerWurSverrisd;ttirviW  $ skiptarWherraskipaWimeWbrfi,dags.27.janar2004(IWnaWar-ogviWskiptarWuneyti:0s !W% lensktviWskiptaumhverfi(Reykjavk,nefndarlit,september2004)). J""&   MeirihlutinefndarinnarlagWitilaWstj;rnarformannihlutaflagsyrWiekkiheimiltaWtaka #' aWsrnnurstrffyrirflagiWenYausemfallaundireWlilegstrfstj;rnarformanns.X;var #( lagttilaWstj;rnflagsinsgtifaliWformanniaWvinnaeinstkverkefnifyrirstj;rnina.Skil $ ) aWieinnnefndarmaWursrlitiogtaldiekkirttaWfestaslktkvWilg. v%N!*   01.mgr.70.gr.lagaumhlutaflgerkveWiWumkosninguformannsflagsstj;rnar.X A&"+ erYarjafnframtkveWiWumaWekkimegikj;saframkvmdastj;raflagssemstj;rnar  '", formannYv.LagtertilaWstj;rnarformannivtryggingaflagiskuli;heimiltaWtakaaW '#- srnnurstrffyrirflagiWenYausemteljasteWlilegurhlutistarfahanssemformannsf ( lagsstj;rnar.0kvWinuerY;gertrWfyrirundantekningufrmeginreglunniaWYvervarWar  einstkverkefnisemflagsstj;rnfelurstj;rnarformanniaWvinnafyrirstj;rnina.    Stj;rnarformennflagagegnamikilvguhlutverkiinnanstj;rnaendasjYeirm.a.umaW a stUrafundumstj;rnarogboWatilstj;rnarfunda,aWeiginfrumkvWieWasamkvmtbeiWni T, stj;rnarmannaeWaframkvmdastj;ra.EinsogkemurframhraWframanleggur1.mgr.70.  gr.hlutaflagalagabannviWYvaWframkvmdastj;riflagsverWikosinnstj;rnarformaWur  Yv.undanfrnumrumhefurhinsvegarnokkuWveriWumYaWhrlendisaWstj;rnarfor   mennsujafnframtmeWalWstustj;rnendahjviWkomandiflagiogsinnidaglegumstrfum  X fyrirYaW.0slkumtilvikumeruYeirekkititlaWirsemframkvmdastj;rarheldurhefurmynd K #  astsvenjaaWtalaumYsemstarfandistj;rnarformenn.Strfstarfandistj;rnarformanna    lkjastoftreyndmjgstrfumframkvmdastj;raoghlUturfyrirkomulagiWaWorkanokkuW    tvmlislj;sifyrrnefndskvWisumaWekkimegikj;saframkvmdastj;rasemstj;rnar   formann. wO    0Yeimflgum,semhafastarfandistj;rnarformann,eroftnokkuWskUrverkaskipting B  millistj;rnarformannsogframkvmdastj;ra,t.d.YannigaWssWarnefndisrummlefni    semltaaWdaglegumrekstrienstj;rnarformaWurinnsinnirWrumverkefnum,t.d.stefnum;t   un,meirihttarsamningumo.s.frv.litamlgeturveriWhvortslkverkfalliundireWlilegt {  verksviWstj;rnarformannsendahefurflagsstj;rninsemheildnokkurthlutverkviWstefnu nF m;tunogYarfaWgefaframkvmdastj;raheimildtilrWstafanasemteljast;venjulegareWa 9 mikilshttar.EkkerterY;YvtilfyrirstWuaWnframsambrilegriverkaskiptingunstarf  andistj;rnarformannsmeWYvt.d.aWhafatvoeWafleiriframkvmdastj;raogskiptameW  Yeimverkum.MeWslkufyrirkomulagittiflagsstj;rnaWveraeWlilegristWutilaWhafa r eftirlitmeWframkvmdastj;rn. e=   XaWeralmenntekkitaliWskilegtaWstj;rnarformennsureyndhlutiafframkvmda 0 stj;rnflagsendaereittafhlutverkumstj;rnarformannsaWstUraeftirlitiflagsstj;rnarmeW  flaginu.XaWerYvhttahagsmunarekstrumefstj;rnarformaWurerjafnframtstarfsmaWur  flagsinsYarsemhannerYraunaWstj;rnaeftirlitimeWsjlfumsr.MiWarkvWiWaWYv i aWminnkalkurslkumhagsmunarekstrum. \4   EfnislegabyggistkvWiYettasambrilegukvWifrumvarpitillagaumbreytingu ' lgumumhlutaflgoglgumumeinkahlutaflg(eignarhald,kynjahlutfllogstarfandi  stj;rnarformenn)semlagthefurveriWframAlYingi(Yskj.71,71.ml).    FrumvarpiWgeriraWWruleytiekkitillgurumefnislegarbreytingarkvWumYessa `  kafla,semerefnislegasamhlj;Wa43.!49.gr.gildandilgum. S+! @ttUm55.gr. #   EfnislegaergreinYessi,semfjallarumrsreikning,samhlj;Wa44.gr.gildandilaga.LagW  $ arerutilorWalagsbreytingartilsamrmisviWlgumrsreikningasamkvmtbendingum !W% frembttirkisskattstj;ra. J""& @ttUm56.gr. #(   AWWruleytienYvaWlagtertilaWaWeinsmegikj;sasamaendurskoWandaeWaendur $ ) skoWunarfyrirtkifimmr,ergreinYessiefnislegasamhlj;Wa45.gr.gildandilagaogfjallar v%N!* umkosninguogstWuendurskoWanda.X;erulagWartilorWalagsbreytingartilsamrmisviW A&"+  lgumendurskoWendursamkvmtbendingumfrembttirkisskattstj;ra.  '",   &   020.gr.lagaumendurskoWendurerfjallaWumstarfstmaendurskoWendafyrirfyrirtki ( semtengjast'(= almannahagsmunum.0YeimlgumertilgreintaWstarfstmisamaendurskoW  andamegiekkiveraumframsjrenaWhannmegiveitaviWkomandiYj;nustunUeftirtv  r.0YessufrumvarpiergengiWlengra;bWiertminnstytturniWurfimmrogeinstekur a takmrkuninjafnttilendurskoWendaogendurskoWunarfyrirtkja.EkkierYvngilegtaW T, felaWrumendurskoWandainnansamafyrirtkisverkefniW.XarsemekkiergerWtillagaum  YaWhvenrendurskoWandi,eWaendurskoWunarfyrirtki,geturafturveittvtryggingaflagi  Yj;nustu,verWuraWltasvoaWkvWi20.gr.lagaumendurskoWendur,nr.79/2008,gildi.   @ttUm57.gr. K #    GreininkemurstaWkvWa46.gr.gildandilagaogfjallarumendurskoWunrsreiknings    ogbyrgWogskyldurendurskoWanda.LagWarerutilbreytingartilsamrmisviWlgum    endurskoWendursamkvmtbendingumfrembttirkisskattstj;ra.   @ttUm58.gr. B    GreinYessierefnislegasamhlj;Wa47.gr.gildandilagaaWYvundanskilduaWgerWertil    lagaumaWskilafresturrsreikningsogtengdragagnasYrengdurumeinnmnuW,rfj;rum   Yrj,tilsamrmisviWlgumfjrmlafyrirtki. {  @ttUm59.gr. 9   Greininerefnislegasamhlj;Wa48.gr.gildandilagaaWWruleytienYvaWhnykkter  YeirriframkvmdsemtWkastEvr;pskaefnahagssvWinusemfelursraWeftirlitsstj;rn  vldskiptastrlegaYeimupplUsingumsemkveWiWerumgreininni. r @ttUm60.gr. 0   Greininerefnislegasamhlj;Wa49.gr.gildandilagaumthlutunarWs.  @tt@@ttUm61.gr. i   1.mgr.greinarinnarersamhlj;Wa53.gr.gildandilagaogvsartilYessaWFjrmlaeftir \4 litiWhafieftirlitmeWYeirristarfsemisemerhWkvWumlagaumvtryggingastarfsemi. '   kvWi2.mgr.erusamhlj;WakvWum7.mgr.55.gr.gildandilagasemfjallarumr  rWiFjrmlaeftirlitsinsefgrunurleikuraWeftirlitsskyldstarfsemisstunduWntilskilinna  leyfa. `  @ttUm62.gr. "   AWundanskildumYremursWustumlsgreinunumogkvWiYriWjasWastamlsliWar1. # mgr.ergreininefnislegasamhlj;Wa54.gr.gildandilagaYarsemeraWfinnaalmennkvWi  $ umeftirlitFjrmlaeftirlitsins.kvWiYriWjasWastamlsliWar1.mgr.erinnleiWingkvW !W% um7.mgr.1.gr.tilskipunar2002/13/EB(Directive2002/13/ECoftheEuropeanParliament J""& andoftheCouncilof5March2002amendingCouncilDirective73/239/EECasregardsthe #' solvencymarginrequirementsfornonlifeinsuranceundertakings). #(   4.mgr.leggurYskylduherWarvtryggingaflagaaWhafatilstaWarvirkaferlaviW $ ) httustUringuogerinnleiWingkvWis3.mgr.28.gr.tilskipunar2002/87/EB(Directive v%N!* 2002/87/ECoftheEuropeanParliamentandoftheCouncilof16December2002onthesup A&"+ plementarysupervisionofcreditinstitutions,insurancefirmsandinvestmentfirmsinafinan  '", cialconglomerate),semhefurekkiveriWinnleittWurlgaWfullu. '#- ?@F ?  ?    5.mgr.tryggirYaWaWFjrmlaeftirlitiWfifjrhagslegarupplUsingarallravtrygginga ( flagainnlendrimynt,eWaumreiknaWarinnlendamynt,tilaWtryggjanauWsynlegansaman  burWeftirliti.    TextilokamlsgreinarinnartekurmiWafsambrilegukvWi3.mgr.107.gr.lagaum a fjrmlafyrirtkiogaWtryggjaaWFjrmlaeftirlitiWgetikrafistnauWsynlegraupplUsinga T, fraWila,eWaaWilum,tengdumvtryggingaflagi.  @ttUm63.gr.     GreinYessiersamhlj;Walokamlsgrein54.gr.gildandilagaumeftirlitmeWfjrmla  X samsteypum.XarsemeftirlitsandlagiWerannaWen62.gr.frumvarpsinsYykirrttaWhafa K #  kvWiYessisrstakrigrein.    @ttUm64.gr.     Greininsrsamsvrun1.!3.mgr.55.gr.og58.gr.gildandilgumenkvWiYausem wO  YareraWfinnahafatekiWbreytingumfrYvaWlginkomutilframkvmda.OrWalags B  breytingartakaaflltvmliumaWekkisfyrirframeftirlitmeWskilmlumogiWgjldum    vtryggingasemboWieruhrlandi.ErsbreytingsamrmiviWbendingarfrEftirlits   stofnunEFTA. {  @ttUm65.gr. 9   FrumvarpiWleggurtilnUjagreinumgagnsistrfumFjrmlaeftirlitsins.TilYessaW  takaafallanvafaumaWFjrmlaeftirlitinusheimiltaWbirtaopinberleganiWurstWurml  umeWaathugunumertaliWnauWsynlegtaWjkvttkvWiYveruslgunum.Svarnagli r erY;sleginnaWbirtingslkraupplUsingamegiekkiraskaheildarhagsmunumnveraumfram e= eWlilegttilefni. 0 @UmIX.kafla.    FrumvarpiWleggurengarefnislegarbreytingartilkvWumYessakaflafrgildandilg i um.XrbreytingarsemlagWarerutilleiWaafbreytingumYvhversstarfsleyfisveitandi, \4 semWurhefurveriWgerWgreinfyrir,ogbreytingumskilgreiningum.Xerunokkrum ' stWumgerWartillguraWorWalagsbreytingumsemekkibreytaefnislegakvWumkaflans.  @ttUm66.gr. `    GreinYessierefnislegasamhlj;Wa64.gr.gildandilagaaWteknutillititilbreytingaskil S+! greiningumogaWgreiningarfrum-ogendurtryggingastarfsemiogaWfellterbrottkvWi " umaWFjrmlaeftirlitiWskulia.m.k.rlegaaflavottorWsumgjaldYolflagsins,YarsemaW # samstarfssamningumeftirlitsstj;rnvaldaerkveWiWumbyrgWheimaeftirlitsupplUsinga  $ gjfverWibreytingtilhinsverragjaldYolivtryggingaflags. !W% @ttUm67.gr. #'   GreinYessiersamhlj;Wa65.gr.gildandilagaaWteknutillititilbreytingaskilgreiningum #( ogaWgreiningarfrum-ogendurtryggingastarfsemiogaWfellterbrottkvWiumaWFjr $ ) mlaeftirlitiWskulia.m.k.rlegaaflavottorWsumgjaldYolflagsins,YarsemaWsamstarfs v%N!* samningumeftirlitsstj;rnvaldaerkveWiWumbyrgWheimaeftirlitsupplUsingagjfverWi A&"+ breytingtilhinsverragjaldYolivtryggingaflags.JafnframtertekiWtillittilbreytingasem  '", samYykktarvorugildandilgummeWlgumnr.155/2007(innleiWing5.tilskipunarku '#- tkjatrygginga). (z$.  m)E%/ @ttUm68.gr. (   GreinYessiersamhlj;Wa66.gr.gildandilagaumheimildireftirlitsstj;rnvaldaWrum  aWildarrkjumtilaWframkvmaeftirlithrlandimeWstarfsemivtryggingaflagasem  hlotiWhafastarfsleyfiheimarkiviWkomandieftirlitsstj;rnvalds. a @ttUm69.gr.    GreinYessiersamhlj;Wa67.gr.gildandilagaumupplUsingagjffjrmlaeftirlitsinstil  systurstofnanaogrrWiFjrmlaeftirlitsinsgagnvarttibumvtryggingaflagafrWrum   aWildarrkjum.  X @ttUm70.gr.      GreinYessiersamhlj;Wa68.gr.gildandilagaaWYvundanteknuaWfrumvarpiWgerirekki    rWfyrirYvaWtilkynningarumflutningvtryggingastofnasuauglUstarLgbirtingablaW   inuheldurbirtaropinberlega,Y.e.meWauglUsingudagblWumogheimasWuFjrmla wO  eftirlitsins.TilrttingarmgetaYessaW1.og3.mgr.eigaviWbWiumfrumtryggingarog B  endurtryggingar,sbr.18.gr.tilskipunar2005/68/EB,umendurtryggingu.    @ttUm71.gr. {    GreinYessiersamhlj;Wa69.gr.gildandilagaumYrrWstafanirsemFjrmlaeftirlitiW nF geturgripiWtilafturkallieftirlitsstj;rnvaldheimarkivtryggingaflagssemhrrekurtib 9 starfsleyfiYess.  @ttUm72.gr. r   GreinYessiersamhlj;Wa70.gr.gildandilagaumtilkynningartibserlendsvtrygginga e= flagstilvtryggingaflagaskrr. 0 @ttUm73.gr.    GreinYessi,umstarfsemivtryggingaflagafrWrumrkjumenaWildarrkjum,ersam i hlj;Wa71.gr.gildandilagaaWYvundanskilduaWfrumvarpiWgerirrWfyrirYvaWstarfs \4 leyfisveitandiskv.1.mgr.sFjrmlaeftirlitiWenekkirWherraeinsogkveWiWerum ' gildandilgum.  @ttUm74.gr. `    GreinYessiersamhlj;Wa72.gr.gildandilagaaWYvundanskilduaWteljaverWursetningu S+! reglugerWarvegnasameiginlegseftirliteinsaWildarrkismeWgjaldYolifyrirlltibflagsins " aWildarrkjum;YarfaYarsemvettvangursamstarfseftirlitsstj;rnvaldaEvr;pskaefnahags # svWinuerm.a.tlaWurtilaWmarkahvernigstandaskuliaWskiptingubyrgWarmilliaW  $ ildarrkjaeftirlitimeWtibumvtryggingaflagaYriWjurkjum.14.gr.og14.gr.alaga !W% umopinberteftirlitmeWfjrmlastarfsemi,nr.87/1998,fjallannarumsamstarfeftirlits J""& stj;rnvalda. #' @ttUm75.gr. $ )   GreinYessiersamhlj;Wa73.gr.gildandilaga,aWYvundanskilduaWskilafresturrsreikn v%N!* ingshefurveriWstyttur3mnuWisamrmiviWstyttinguskilafrestsrsreikningsinnlendra A&"+ flaga,sbr.57.gr.frumvarpsins.  '",  '#- @ttUm76.gr. (   GreinYessiersamhlj;Wa74.gr.gildandilagaumrrWiFjrmlaeftirlitsinsefvtrygg  ingaflagfrWrurkienaWildarrkibrUturgegnkvWumlagannaeWareglnasettum  grundvelliYeirra. a @ttUm77.gr.    GreinYessiersamhlj;Wa75.gr.gildandilaga,afturkllunstarfsleyfisutansvWisflags,  aWYvundanskilduaWfrumvarpiWgerirrWfyriraWFjrmlaeftirlitiWsstarfsleyfisveitandi   enekkirWherraeinsogkveWiWerumgildandilgum.  X @ttUm78.gr.      GreinYessiersamhlj;Wa76.gr.gildandilagaumlokstarfsemiutansvWisflags.    @$$UmX.kafla. wO    FrumvarpiWleggurekkitilaWrabreytingukvWumkaflansfrkvWumgildandilaga B  enYaWtiltekiWeraWkvWihanseigiaWeinsviWumstarfsemifrumtryggingaflaga.Endur    tryggingaflgsemfengiWhafastarfsleyfihrlandieruundanYegintilkynningarskyldusem   kveWiWerumYessumkafla. {  @ttUm79.gr. 9   GreinYessiersamhlj;Wa77.gr.gildandilagaumYauggnseminnlentvtryggingaflag  semhyggststarfrkjatibWruaWildarrkiberaWleggjafyrirFjrmlaeftirlitiW,Y;aW  teknutillititilbreytingarskilgreininguaWildarrkis.LokamlsgreinerY;breytttilaWljka r innleiWingu6.mgr.40.gr.tilskipunar2002/83/EB,umlftryggingar,semkveWurum e= tilkynningarskyldutileftirlitsstj;rnvaldaviWvissarforsendubreytingar. 0 @ttUm80.gr.    GreinYessiersamhlj;Wa78.gr.gildandilagaum;skinnlendsvtryggingaflagsumaW i fheimildtilaWveitaYj;nustuWruaWildarrkinstarfsstWvar,Y;aWteknutillititilbreyt \4 ingarskilgreininguaWildarrkis. ' @ttUm81.gr.    GreinYessiersamhlj;Wa79.gr.gildandilagaumheimildirinnlendravtryggingaflaga `  tilaWhefjastarfsemiutanaWildarrkisogheimildirutansvWisflagssemhrrekurstarfsemi S+! tilaWveitaYj;nustuWruaWildarrki. " @UmXI.kafla.  $   FrumvarpiWleggurekkitilneinarbreytingarkvWumumyfirfrsluvtryggingastofna. !W% Greinarkaflanserusamhlj;WagreinumX.kaflagildandilagautanYessaWFjrmlaeftirlitiW J""& skalopinberlegabirtatilkynninguumyfirfrslubeiWni,engildandikvWikveWaumaug #' lUsinguLgbirtingablaWinu. #( @ttUm82.gr. v%N!*   GreinYessierefnislegasamhlj;Wa86.gr.gildandilagavarWandifrumtryggingaflgaW A&"+ YvundanskilduaWfrumvarpiWleggurtileinfldunYvhvernigstaWiWeraWkynningu  '", yfirfrsluvtryggingastofnanna.ErYaWlagtmatFjrmlaeftirlitsinsaWkveWahvernigbest '#- @@I @  @  fariaWkynnaopinberlegayfirfrsluvtryggingastofna.Skynninggtit.d.veriWsam ( blandafauglUsingudagblWumogupplUsingumheimasWueftirlitsins.  @ttUm83.gr. a   GreinYessierefnislegasamhlj;Wa87.gr.gildandilaga,umskilyrWiFjrmlaeftirlitsins T, fyrirflutningivtryggingastofnstilvtryggingaflagsWruaWildarrki,Y;aWteknutilliti  tilbreytingarskilgreininguaWildarrkis.SamkvmtYeirribreytingueigakvWineinnig  viWumflutningvtryggingastofnitilvtryggingaflagsSvissogFreyjum.GreinYessi   gildirbWiumfrum-ogendurtryggingar,sbr.18.gr.tilskipunar2005/68/EB,umyfirfrslu  X vtryggingastofns. K #  @ttUm84.gr.      GreinYessierefnislegasamhlj;Wa88.gr.gildandilaga,umsamrunavtryggingaflaga,   aWYvviWbttuaWhnykkterYvaWsmukvWigildiumhliWarstarfsemivtrygginga wO  flagsogeiginlegavtryggingastarfsemiYess. B  @ttUm85.gr.     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A&"+   GreinYessierefnislegasamhlj;Wa90.gr.BgildandilagaumstWusamningasemv  '", tryggingaflagsemerundirfjrhagslegriendurskipulagningueWagreiWslustWvunhefur '#- gert. (z$.  m)E%/ @ttUm89.gr. (   GreinYessiersamhlj;Wa91.gr.gildandilaga,umafturkllunstarfsleyfis,aWYvundan  skilduaWfrumvarpiWleggurtilaWstarfsleyfisveitandiverWiFjrmlaeftirlitiWengildandilg  kveWaumaWYaWsrWherra. a @ttUm90.gr.    GreinYessifjallarumhvernigFjrmlaeftirlitiWstenduraWafturkllunstarfsleyfisv  tryggingaflagsenngildandikvWiumafturklluneraWfinna92.gr.laganr.60/1994   YarsemgerterrWfyrirYvaWrWherraafturkallistarfsleyfiaWtillguFjrmlaeftirlitsins.  X @ttUm91.gr.      GreinYessileggurtilbreytingar93.gr.gildandilagaumflagsslit.      01.mgr.erlagttilaWFjrmlaeftirlitiWskipiskilastj;rnengildandilgkveWaumaW   rWherraskipihanaaukYesssemkvWummlsgreinarinnarhefurveriWbreytttilsamrmis wO  viWYtillgufrumvarpsinsaWvtryggingaflgskuliaWeinsrekinsemhlutaflg. B    LagtertillokamlsgreinaWkostnaWurvegnameWferWarkrfuFjrmlaeftirlitsinsum    gjaldYrotaskiptiskuli,lktoggildirumskilastj;rn,greiddurafeignumbsinssemkrafautan   skuldaraWar.EnnfremurerlagttilaWFjrmlaeftirlitiWogskilastj;rnsuundanYeginkvW {  um2.mgr.67.gr.laganr.21/1991,umgjaldYrotaskiptio.fl.,umaWleggjaframtryggingu nF tiltekinnarfjrhWarfyrirkostnaWi.MeWtillititilheilbrigWsfjrmlamarkaWarer;eWlilegt 9 aWleggjaYkrfueftirlitsaWilaeWaskilastj;rnaWstandaundirslkumkostnaWi.  @ttUm92.gr. r   GreinYessiersamhlj;Wa94.gr.gildandilaga,umvrslueignasemerutilaWmtalf e= tryggingaskuld,aWYvundanskilduaWfrumvarpiWleggurtilbreytingubirtingutilkynningar 0 umtilboWlftryggingastofnoglftryggingaskuld.  @ttUm93.gr. i   GreinYessiersamhlj;Wa95.gr.gildandilaga,umgjaldYrotaskiptilftryggingaflags,aW \4 YvundanskilduaWfrumvarpiWleggurtilbreyttatilhgunopinberrarbirtingarviWeigandi ' tilkynningum,sbr.almennaumfjllunumXII.kafla.  @ttUm94.gr. `    GreinYessiersamhlj;Wa96.gr.gildandilaga,umgjaldYrotaskiptivtryggingaflags,aW S+! YvundanskilduaWfrumvarpiWleggurtilbreyttatilhgunopinberribirtinguviWeigandi " tilkynninga.GreininviWumvtryggingaflgsemstarfasviWifrumtryggingaskaWatrygg # ingaogallrategundaendurtrygginga.  $ @ttUm95.gr. J""&   GreinYessierefnislegasamhlj;Wa96.gr.Agildandilaga,umstWusamningasemv #' tryggingaflagsemerundirgjaldYrotaskiptumhefurgert. #( @ttUm96.gr. v%N!*   GreinYessiersamhlj;Wa97.gr.gildandilagaumfrjlsslitvtryggingaflags. A&"+    '", @& a  UmXIII.kafla. (   kvWumYessakaflafrumvarpsinsvarbttinnlgumvtryggingastarfsemimeW  lgumnr.55/2007sem99.gr.og99.gr.'a(gha!99.gr.f.FrumvarpiWleggurtilnokkrarbreyting  arkvWumkaflansvegnatilfrslnagreinum,brottfallsgreinaognUrragreina. a @Um97.!103.gr.    XrefnislegubreytingarsemlagWarerutilfrumvarpinuogekkitengjastbrottfalli  kvWa,tilflutningikvWaeWanUjumkvWumerufjlguntluliWa97.gr.og101.gr.   vegnaYrengriheimildatilstj;rnarsetu,YrengrihfisskilyrWaoglnveitingameWveWieigin  X hlutabrfum.XerrttaWgetalokamlsgreinar101.gr.semersambrileg2.mgr.112.gr. 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