WPCo< UiHM7-׉T狃ތNcP.>JJ>ArGܕ N17} }XKT9R+TL0"]\Hl:p_}'syxu 9_*=GXNzLTi81F2T,{Ȭj9"-é*D %D[a:=-%j=xZ]wam/KeHykbmgw񸻤և'0 ?am\ja#/.ā8-EybWmAhiJ$u!aO5ߍaZEZYzejZit~_M\xj=טt n((^[*:\5Z02J^2R{Ƈ{:g4*~ՠ젽NE^EUN %` 0f#> X#T_#w#^ # 1#U4J$ 1u~$N$4$ %UN%f% mh% 0Z% 72% 0 & 1& 0D'M'(' 1'Z}(L( 0(#)K)K)K)K)K)K)K)K)K)K)K)K)K) 1`)`)`)`)`)`)`)`)`) 1* 1** 0++ 0 . . 0111 14444 0u4 0w4 0t5 0666666666666 0z6 0lP7P7P7P7 0v7 0d282828 B8888 18888888888888888888888,:9:9 f:f: 0Lo;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o;o; B-;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;; 1;(  Z6Times New Roman RegularX($}}TRW6&A4W6&A4 6&A4 6&A4T#ggdd  ISUS.,    -zv > *  X-8dd8% ^^` Adobe PDF0W:\COREL8\TEMPLATE\CUSTOMWP\SKJRI~4T.WPTW:\corel8\template\customwp\Skjritun4.wptJ =?EKQW_gmstafl.a.1.a.1.(a)(i)1)a))'\  `TimesRoman3#37=CIQYag1.a.i.(1)(a)(i)1)a)hJό|)3|x6Times New Roman RegularUF*MIVJMiWjar texta.@a..  i)*ee=(/LH I '\  `TimesRomanI I '\  `TimesRomanI(ehCEKQW]cioAutoList4a.a.a.a.a.a.a.a.>*SKLSkletur.(EhCEKQW]cioAutoList2a.a.a.a.a.a.a.a.8DocumentManagement::ModifiedBooleanTRUE VI VII Tv1XV VIIIIX($    gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)(5hCEKQW]cioAutoList1a.a.a.a.a.a.a.a.ABCD %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.(3$ !}X<XXXTRW6&A4X3' Letter 6&A43'LetterTvXX<#ggdd  ISUS.,    -zv > *  X-8vdd8% ^^`   (3$ !}X<XXXTRW6&A4X3' Letter 6&A43'LetterTvXX<#ggdd  ISUS.,    -zv > *  X-8vdd8% ^^`   (31M$ !}X<XXXTRW6&A4X3' Letter 6&A43'LetterTvXX<#ggdd  ISUS.,    -zv > *  X-8vdd8% ^^`    d (uhCEKQW]cioAutoList51.1.1.1.1.1.1.1.(M0J$2  0  .3  0 ` (O;$0  2#  a  .3  0` (#(#(u$0  0` (#(#` `  2  a  .3  0` (#` (#(`$0  0` (#(#0 ` (#` (#0 (# (#"h2  0  .3  0(#(#\:GreinarfyrirGreinarfyrirsgn    T |:GreinarnmerGreinarnmer    X:KaflafyrirsKaflafyrirsgn     L |6KaflanmerKaflanmer     d(UhCEKQW]cioAutoList3a.a.a.a.a.a.a.a. " 6'X"XXX~XX"#ggdd  ISUS.,  -zv > *  X-  _  D   8)X"XXX~XX"#ggdd  ISUS.,  -zv > *  X-  _Ԁ>c$"Small Circle"0 )Hairline d09;AGMU]ekromvi.a.i.(1)(a)(i)1)a)a) !}X"XXXTRW6&A4X3' Letter 6&A43'LetterT~XX"#ggdd  ISUS.,    -zv > *  X-8~dd8% ^^`   _ 4ABCD(%03  }su@Z~ @(`Lg T, #~Z#  X"X~umvtryggingasamstWur.#~XX"`# ^ 6  NB@%`________   V|    V|.  I.KAFLIV|.U݌ tL  Ќ   U     U  GildissviW,markmiWogskilgreiningar.U݌ ?  Ќ    Q|    Q|~  1.gr.Q|~݌    Ќ   P    P  GildissviWogmarkmiW.P9݌   Ќ    y LgYessigildaumvtryggingasamstWurogermarkmiWYeirraaWverndahagsmuni x  vtryggingartakaogvtryggWra. kC Q|    Q|s  2.gr.Q|s݌  Ќ   P    P   OrWskUringar.P . ݌  Ќ    y 0lgumYessummerkir: o "A0J"  A0J  y2%  1  .3  Ԉ0    Hluteignarflag:FlagsemerannaWhvortm;WurflageWaflagsemhlutdeildWru b: flagieWaflagsemtengistWruflagimeWtengslumeinsoglUster1.tlul.aliWar3. - tlul.FyrirtkiereinnighluteignarflagefYaWhefuraWmatiFjrmlaeftirlitsinsum  talsverWhrifmeWbeinumeWa;beinumatkvWisrttiWrufyrirtki.A0J  ݌   Ќ  "A0J"  A0J  y2%  2  .3  Ԉ0    Tengtflag:D;tturflageWahlutdeildarflageWaflagsemtengistWruflagimeW f tengslumskv.1.tlul.aliWar3.tlul.A0J ݌Y1   Ќ  "A0J"  A0J y2%  3  .3  Ԉ0    SamstWa:H;purflagasem:A0JA݌$   Ќ  "C"  C0 y 0y y e2%  a  .3  Ԉ0    samanstendurafhluteignarflagi,d;tturflgumYessogflgumsemm;WurflagiW  eWad;tturflgYesseigahlutdeild,aukflagasemtengjasthvertWruYannigaW:CD݌   Ќ   y    e 0  1.0   flgumsemtengjastekkierstj;rnaWsameiningusamkvmtsamningieWa ] kvWumsamYykktumeWaP(     y    e 0  2.0   meirihlutistj;rnareWastj;rnendurflagasemtengjastekkierusmueinstak   lingarreikningsrinu,!    "C"  C0 y 0y y e2%  b  .3  Ԉ0    byggiststerkumogvaranlegumfjrhagslegumtengslumsamkvmtsamningieWa  " Wrumlggerningiog:C݌|!T#   Ќ   y    e 0  1.0   eittflagiWerrWandikvarWanatkufyrirllflgin,YarmeWalkvrWunum G"$ umfjrhagslegmlefniog#%     y    e 0  2.0   stofnunogslitslkssambandserhWsamYykkieftirlitsstj;rnvaldssamstWunnar.#&    "A0J"  A0J  y2%  4  .3  Ԉ0    Eftirlitsstj;rnvaldsamstWu:Eftirlitsstj;rnvaldsemberbyrgWsamstWueftirlitiskv. $ ' 34.gr.A0J 7݌s%K!(   Ќ  "A0J"  A0Jq y2%  5  .3  Ԉ0    Samstarfsh;pureftirlitsstj;rnvalda:Varanlegtensveigjanlegtsamstarfeftirlitsstj;rn >&") valdatilaWsamrmaogauWveldakvarWanirvegnaeftirlitsmeWvtryggingasamstWu.A0Jq݌ '"*   Ќ  "A0J"  A0J. y2%  6  .3  Ԉ0    EignarhaldsflagvtryggingasviWi:FlagYarsemmeginstarfsemifelstYvaWeiga '#+ hlutid;tturflgumsemeruannaWhvorteingngueWaaWallegavtryggingaflg.A0J.[݌#(w$,   #Ќ  "A0J"  A0J y2%  7  .3  Ԉ0    BlandaWeignarhaldsflagvtryggingasviWi:Flagsemekkiervtryggingaflag, ( eignarhaldsflagvtryggingasviWieWablandaWeignarhaldsflagfjrmlastarfsemiog  a.m.k.eittd;tturflagervtryggingaflag.A0J݌   Ќ  "A0J"  A0J y2%  8  .3  Ԉ0    BlandaWeignarhaldsflagfjrmlastarfsemi:M;Wurflagsemekkiereftirlitsskylten a YaWsamtd;tturflgumsnum,Yarsema.m.k.eittYeirraereftirlitsskyltogermeW T, hfuWstWvaraWildarrki,ogWrumaWilummyndarfjrmlasamsteypu.A0J݌   Ќ   y SkilgreiningarIII.kaflalagaumvtryggingastarfsemigildaYarsemorWskUringumsleppir.  Q|    Q|  3.gr.Q|݌  X Ќ   P    P   VtryggingasamstWurogeftirlitYeirra.P B ݌ K #  Ќ    y VtryggingasamstWaersamstWasemskalveraundireftirlitiYegar:    ! ! *(g004ABCD"A0J"  A0J! y2g  a  .3  Ԉ0    vtryggingaflagerhluteignarflaga.m.k.einuvtryggingaflagihvortsemYaWstarfar    aWildarrkieWaekkiskv.II.!V.kafla,A0J!"݌    Ќ  "A0J"  A0Ji# y2g  b  .3  Ԉ0    m;WurflagvtryggingaflagsereignarhaldsflagvtryggingasviWieWablandaW wO  eignarhaldsflagfjrmlastarfsemimeWhfuWstWvarhrlandiskv.II.!V.kafla,A0Ji##݌B    Ќ  "A0J"  A0J% y2g  c  .3  Ԉ0    m;WurflagvtryggingaflagsereignarhaldsflagvtryggingasviWieWablandaW    eignarhaldsflagfjrmlastarfsemimeWhfuWstWvarutanaWildarrkiseWavtrygg   ingaflagutanaWildarrkisskv.VI.kafla,A0J%H%݌{    Ќ  "A0J"  A0J' y2g  d  .3  Ԉ0    m;WurflagvtryggingaflagserblandaWeignarhaldsflagvtryggingasviWiskv.VII. nF kafla.A0J'@'݌9   Ќ   y FjrmlaeftirlitiWhefureftirlitmeWaWstarfsemivtryggingasamstWnafariaWkvWum  lagaYessara.LgumvtryggingastarfsemigildaumeftirlitmeWvtryggingaflgumsam  stWumnemaannaWstekiWframlgumYessum. r  y XegarFjrmlaeftirlitiWereftirlitsstj;rnvaldvtryggingasamstWuskv.aogbliW1.mgr., e= semeruannaWhvorttengdeftirlitsskylduflagieWaerusjlfeftirlitsskyldeWablnduWeignar 0 haldsflgfjrmlastarfsemisemfallaundirlgumviWb;tareftirlitmeWfjrmlasam  steypum,geturYaWaWhfWusamrWiviWviWeigandieftirlitsstj;rnvldkveWiWaWhafaekki  eftirlitmeWsamYjppunhttuvegnahluteignarflaga,sbr.31.gr.,eWaeftirlitmeWviW i skiptuminnanvtryggingasamstWu,sbr.32.gr.,efYaufallaundirsambrilegkvWi \4 lgumumviWb;tareftirlitmeWfjrmlasamsteypum. '  y XegarblandaWeignarhaldsflagfjrmlastarfsemifellurundirjafngildiskvWiVI.kafla  lagaYessaraoglgumviWb;tareftirlitmeWfjrmlasamsteypumgeturFjrmlaeftirlitiW,ef  YaWereftirlitsstj;rnvaldsamstWunnar,aWviWhfWusamrWiviWviWeigandieftirlitsstj;rn `  vld,einungisfariWaWlgumumviWb;tareftirlitmeWfjrmlasamsteypum. S+! Q|    Q|/  4.gr.Q|/?/݌ # Ќ   P    P/  UmfangsamstWueftirlits.P//݌  $ Ќ    y FjrmlaeftirlitiWhefurekkieftirlitmeWeinstkumvtryggingaflgumutanaWildarrkja, !W% eignarhaldsflgumvtryggingasviWi,blnduWumeignarhaldsflgumfjrmlastarfsemi J""& ogblnduWumeignarhaldsflgumvtryggingasviWiY;ttYaufalliundirsamstWueftirlit #' skv.3.gr.,sbr.Y;43.gr.YegarumeraWrWaeignarhaldsflagvtryggingasviWieWabland #( aWeignarhaldsflagfjrmlastarfsemi. $ )  y XegarFjrmlaeftirlitiWereftirlitsstj;rnvaldsamstWugeturYaWkveWiWaWhaldaflagi v%N!* utansamstWueftirlitsskv.3.gr.Yegar: A&"+ / /"A0J"  A0J3 y2g  a  .3  Ԉ0    flagiWerutanaWildarrkisoglagaleghindruntilaWaflanauWsynlegraupplUsingaertil  '",  staWar,sbr.Y;19.gr.,A0J33݌'#-   Ќ  "A0J"  A0J#5 y2g  b  .3  Ԉ0    & a  flagiWhefur;verulegaYUWingufyrirtilgangsamstWueftirlitsins,A0J#5P5݌(   Ќ  "A0J"  A0Jk6 y2g  c  .3  Ԉ0    YaWgfivillandimyndfyrirsamstWueftirlitiWaWhafaflagiWmeW.A0Jk66݌   Ќ   y X'a(5rttfyriraWfleirieneittflagvtryggingasamstWufallihvertfyrirsigutansamstWu  eftirlitsskv.bliW2.mgr.skuluYauveraundirsamstWueftirlitiefYauhafasamanlagtYUW a ingufyrirsamstWueftirlitiW. T,  y XegarFjrmlaeftirlitiWereftirlitsstj;rnvaldsamstWuogtelurvtryggingaflagfallautan  samstWueftirlitsskv.beWacliW2.mgr.skalYaWrWfrasigviWnnureftirlitsstj;rnvld  semmliWvarWarWurenkvrWunertekin.    y XegarFjrmlaeftirlitiWereftirlitsstj;rnvaldsamstWuogheldurvtryggingaflagiutan  X samstWueftirlitsskv.beWacliW2.mgr.getaeftirlitsstj;rnvldYessaWildarrkisYarsem K #  flagiWerstaWsett;skaWeftirupplUsingumfrm;WurflagivtryggingasamstWunnarvegna    eftirlitsmeWflaginu.    Q|    Q|&<  5.gr.Q|&<M<݌ wO  Ќ   P    P<  Endanlegtm;Wurflag.P<<݌ B  Ќ    y Efhluteignarflag,eignarhaldsflagvtryggingasviWieWablandaWeignarhaldsflag    fjrmlastarfsemiskv.3.gr.erm;Wurflagogersjlftd;tturflagannarsvtryggingaflags,   eignarhaldsflagsvtryggingasviWieWablandaWseignarhaldsflagfjrmlastarfsemi,sem {  hefurhfuWstWvaraWildarrki,skululgYessigildaumvtryggingasamstWusWarnefnda nF flagsinsefFjrmlaeftirlitiWereftirlitsstj;rnvaldsamstWunnar. 9  y Efm;WurflagallraannarraflagavtryggingasamstWuskv.1.mgr.erd;tturflagfyrir  tkissemerundirviWb;tareftirlitiFjrmlaeftirlitsinssamkvmtlgumumviWb;tareftirlit  meWfjrmlasamsteypumgeturFjrmlaeftirlitiWsemeftirlitsstj;rnvaldsamstWunnar, r samrWiviWnnurviWeigandieftirlitsstj;rnvld,kveWiWaWeftirlitmeWsamYjppunhttu e= skv.31.gr.ogviWskiptuminnanvtryggingasamstWuskv.32.gr.farisamkvmtkvWum 0 lagaYessara.  Q|    Q|_B  6.gr.Q|_BB݌ i Ќ   P    PB  InnlendvtryggingasamstWaerhlutiaferlendrivtryggingasamstWu.PBC݌ \4 Ќ    y HafiFjrmlaeftirlitiWeftirlitmeWm;WurflagivtryggingasamstWusemereingngu ' meWstarfsemihrlandi,innlendvtryggingasamstWa,ogerd;ttureWahlutdeildarflag  endanlegsm;WurflagsvtryggingasamstWuskv.aliW1.mgr.3.gr.semermeWhfuW  stWvarWruaWildarrki,erlendvtryggingasamstWa,erYvheimiltsamrWiviWeftirlits `  stj;rnvaldogm;WurflagerlenduvtryggingasamstWunnaraWkveWaaWsamstWueftirlit S+! Fjrmlaeftirlitsinsskv.5.gr.miWistviWinnlenduvtryggingasamstWuna. "  y FjrmlaeftirlitinuerheimiltaWtakmarkasamstWueftirlitskv.1.mgr.viWtiltekinkvWi # Yessakafla.  $  y XegarFjrmlaeftirlitiWkveWurvalaWferWviWtreikninggjaldYolsstWuskv.10.gr.er !W% skvrWunendanleg.Hafim;WurflagerlenduvtryggingasamstWunnarkveWiWaWferWina J""& skalFjrmlaeftirlitiWnotaYaWferWviWtreikninggjaldYolsstWuinnlenduvtrygginga #' samstWunnar. #(  y Hafim;WurflagerlenduvtryggingasamstWunnarfengiWheimildskv.21.eWa23.gr.til $ ) aWmetagjaldYolskrfuvtryggingasamstWunnarogeinstakraflagavtryggingasamstW v%N!* unnimeWeiginlkaniskalYaWlkaneinnignotaWviWmatgjaldYolskrfuinnlenduvtrygg A&"+ ingasamstWunnar.  '",  y TeljiFjrmlaeftirlitiWaWhttusniWinnlenduvtryggingasamstWunnarsekkisam '#- rmiviW_eigiW_ԀlkanerlenduvtryggingasamstWunnargeturYaWlagtviWb;targjaldYolskrfu (z$. innlenduvtryggingasamstWuna.EfviWb;targjaldYolskrafaerekkiviWeigandigeturFjr ( mlaeftirlitiWkrafistYessaWgjaldYolskrafainnlenduvtryggingasamstWunnarverWimetin  meWstaWalreglunni.FjrmlaeftirlitiWskalskUraslkakvrWunfyrirflaginuogeftirlits  stj;rnvaldisamstWunnar.FjrmlaeftirlitiWskaltilkynnasamstarfsh;pieftirlitsstj;rnvalda a umkvrWunskv.aliW1.mgr.35.gr.efYaWereftirlitsstj;rnvaldsamstWunnar. T,  y kveWiFjrmlaeftirlitiWaWmatgjaldYolskrfuinnlendrarvtryggingasamstWufari  samkvmtYessarigreingetakvWi27.og28.gr.ekkigiltfyrird;tturflgvtrygginga  samstWunnar.    y EkkierheimiltaWmetagjaldYolskrfusamkvmtYessarigreinefinnlendvtrygginga  X samstWasemerd;tturflagerlendrarvtryggingasamstWuhefurfengiWheimildskv.27. K #  og28.gr.    Q|    Q|P  7.gr.Q|PP݌   Ќ   P    PTQ  M;WurflagvtryggingasamstWufleirieneinuaWildarrki.PTQ~Q݌ wO  Ќ    y FjrmlaeftirlitiWgeturgertsamstarfssamningviWeftirlitsstj;rnvldaWildarrkjumsem B  hafaeftirlitmeWvtryggingasamstWum,semstarfaeingnguviWkomandirki,tilaWhafa    samstWueftirlitmeWundirsamstWufleirieneinuaWildarrki.    y FjrmlaeftirlitiWskalkynnasamstarfssamningfyrireftirlitsstj;rnvaldisamstWunnarog {  endanlegum;Wurflagi.EfFjrmlaeftirlitiWereftirlitsstj;rnvaldsamstWuskalYaWtilkynna nF samstarfsh;pieftirlitsstj;rnvaldaumsamstarfssamning. 9 V|    V|T  II.KAFLIV|TU݌  Ќ   U     UU  GjaldYolvtryggingasamstWu.UUU݌ r Ќ    Q|    Q|6V  8.gr.Q|6V]V݌ e= Ќ   P    PV  Eftirlit.PVV݌ 0 Ќ    y EftirlitmeWgjaldYolivtryggingasamstWuskalveraskv.2.og3.mgr.Yessarargreinar,  33.gr.ogV.kafla.   y VtryggingaflgvtryggingasamstWuskulutryggjaaWviWurkenndirgjaldYolsliWir i nemialltafa.m.k.gjaldYolskrfuvtryggingasamstWunnareinsoghnermetinmeW \4 hliWsj;nafuppbyggingusamstWunnar. '  y EfFjrmlaeftirlitiWereftirlitsstj;rnvaldsamstWuskaleftirlitmeWgjaldYolskrfuskv.  2.mgr.verahlutiafeftirlitsferliYessskv.29.gr.lagaumvtryggingastarfsemi.   y kvWi115.og117.gr.lagaumvtryggingastarfsemiskulueinniggildaumvtrygginga `  samstWuaWbreyttubreytanda.EfFjrmlaeftirlitiWereftirlitsstj;rnvaldsamstWutilnefnir S+! YaWYannaWilasemberbyrgWupplUsingaskylduumversnandifjrhagsstWusamkvmt " YessumkvWum. #  y EfFjrmlaeftirlitiWereftirlitsstj;rnvaldsamstWunnaroghefurfengiWYrupplUsingar  $ frhluteignarflagiaWgjaldYolskrfuvtryggingasamstWusekkilengurfullngteWahtta !W% sYvnstuYremurmnuWumskalYaWupplUsannureftirlitsstj;rnvldsamstarfsh;pi J""& eftirlitsstj;rnvaldaumYaW. #' Q|    Q|]  9.gr.Q|]]݌ $ ) Ќ   P    PA^  TWnimats.PA^k^݌ v%N!* Ќ    y Matskv.2.og3.mgr.8.gr.skalgerta.m.k.rlega,annaWhvortafhluteignarflagi, A&"+ eignarhaldsflagivtryggingasviWieWablnduWueignarhaldsflagifjrmlastarfsemi.Ef  '",  FjrmlaeftirlitiWereftirlitsstj;rnvaldsamstWuskalYaWhafaeftirlitmeWmatinu. '#- @      y &   HluteignarflagskalskilaviWeigandiggnumvegnamatstilFjrmlaeftirlitsins.Efhlut ( eignarflagiWer'(`ekkim;WurflagvtryggingasamstWuskalFjrmlaeftirlitiWtilnefnaeignar  haldsflagvtryggingasviWi,blandaWeignarhaldsflagfjrmlastarfsemieWavtrygginga  flag,samrWiviWviWeigandieftirlitsstj;rnvldWrumaWildarrkjumogvtryggingasam a stWunasjlfa,semskilarggnunum. T,  y Flgskv.1.mgr.skulufylgjastmeWgjaldYolskrfuvtryggingasamstWunnar.Vki  httusniWvtryggingasamstWunnarverulegafrYeimforsendumsemlgutilgrundvallar  sWustuskrWugjaldYolskrfuskaltafarlaustmetanUjagjaldYolskrfufyrirvtryggingasam   stWunaogtilkynnaniWurstWunatilFjrmlaeftirlitsins.  X Q|    Q|d  10.gr.Q|dd݌    Ќ   P    Pce  ValaWferW.Pcee݌    Ќ    y MatgjaldYolsstWusamstWuvtryggingaflagaskv.aliW1.mgr.3.gr.skalgertsam   kvmttknilegummeginreglumogannaWhvortaWferWskv.11.eWa13.gr.MatiWskalgert wO  meWstaWlaWriaWferW,sbr.20.!22.gr. B   y FjrmlaeftirlitiWgeturkveWiWaWtiltekinvtryggingasamstWanotivalkvWaaWferWviW    matiW,sbr.23.gr.,eWabWistaWlaWaaWferWogvalkvWaaWferWefekkierrttaWnotaein   gngustaWlaWaaWferW.FjrmlaeftirlitiWskaltakaslkakvrWunsamrWiviWviWeigandi {  eftirlitsstj;rnvldannarraaWildarrkjaogvtryggingasamstWunasjlfa. nF Q|    Q|oi  11.gr.Q|oii݌  Ќ   P    Pj  Eignarhlutdeild.Pj+j݌  Ќ    y MatgjaldYolsstWuvtryggingasamstWuskalmiWastviWeignarhlutdeildhluteignar r flagsd;tturoghlutdeildarflgumYess. e=  y EignarhlutdeildsamkvmtYessarigreinerYaWhlutfallsemmiWaWerviWmatigjald 0 YolsstWuhvortsemumraunverulegeignatengsleraWrWaeWaekki.   y EignarhlutdeilderannaWhvort:  / /"A0J"  A0Jl y2g  a  .3  Ԉ0    YauhlutfllsemnotuWeruviWsamstWuuppgjrYegarstaWlaWaaWferWinernotuWeWaA0Jll݌i   Ќ  "A0J"  A0J"n y2g  b  .3  Ԉ0    beinireWa;beinireignarhlutirhluteignarflagshlutafYegarvalkvWaaWferWiner \4 notuW.A0J"nOn݌'   Ќ   y Efd;tturflaghefurekkingtgjaldYoltilaWmtagjaldYolskrfuskaldragaYaWsemupp  vantarfrgjaldYolisamstWu;hWYvhvoraWferWinernotuW.   y TeljiFjrmlaeftirlitiWaWbyrgWm;Wurflagsvegnaeignarhaldss;tvrtttakmrkuW `  viWhlutafjreigninageturYaWheimilaWaWfrdrtturvegna;fullngjandigjaldYolsd;ttur S+! flagstakmarkistviWhlutfalleignar. "  y EfFjrmlaeftirlitiWereftirlitsstj;rnvaldsamstWuskalYaWkveWa,samrWiviWviWeig # andieftirlitsstj;rnvldWrumaWildarrkjumogvtryggingasamstWunasjlfa,Yeignar  $ hlutdeildsemmiWaviWef: !W% / /"A0J"  A0JLs y2g  a  .3  Ԉ0    enginfjrhagslegtengslerumilliflagavtryggingasamstWunni,A0JLsys݌J""&   Ќ  "A0J"  A0Jqt y2g  b  .3  Ԉ0    eftirlitsstj;rnvaldhefurkveWiWaWbeinneWa;beinnatkvWisrttureWahlutafflagi #' teljisthlutdeildvegnaYessaWYaWhefurveruleghrifreksturflagsins,A0Jqtt݌#(   Ќ  "A0J"  A0J,v y2g  c  .3  Ԉ0    eftirlitsstj;rnvaldhefurkveWiWaWeittflagsm;WurflagannarsflagsvegnaYessaW $ ) fyrrnefndaflagiWhafikvrWunarvaldumreksturogstj;rnsWarnefndaflagsins.A0J,vYv݌v%N!*   Ќ  Q|    Q|w  12.gr.Q|wx݌  '", Ќ   P    Px  TveWamargnUtinggjaldYolsliWa.Pxx݌ '#- Ќ    y EkkierheimiltaWteljagjaldYolsliWtilviWurkenndsgjaldYolssemmtirgjaldYolskrfu (z$. hjfleirieneinuvtryggingaflagi. m)E%/  y XegarhvorkistWluWaWferWskv.20.gr.nvalkvWaWferWskv.23.gr.komavegfyrir ( aWgjaldYolsliWirsutvtaldirskaldragaeftirtaldarfjrhWirfrgjaldYolivtrygginga  samstWu:  / /"A0J"  A0Ji{ y2g  a  .3  Ԉ0    virWieignarhluteignarflagssemnotuWertilaWfjrmagnaviWurkenntgjaldYoltilaW a mtagjaldYolskrfud;ttureWahlutdeildarflagsYess,A0Ji{{݌T,   Ќ  "A0J"  A0J} y2g  b  .3  Ԉ0    virWieignard;ttureWahlutdeildarflagshluteignarflagssemnotuWertilaWmta  gjaldYolskrfuhluteignarflagsins,A0J}3}݌   Ќ  "A0J"  A0J~ y2g  c  .3  Ԉ0    virWieignard;tturoghlutdeildarflagshluteignarflagssemnotuWertilaWmtagjald   Yolskrfuannarsd;tturoghlutdeildarflagshluteignarflagsins.A0J~~݌ X   Ќ   y XrttfyrirkvWi1.og2.mgr.mteljaeftirfarandiliWitilgjaldYolsvtryggingasamstWu K #  aWYvgefnuaWYeirsuviWurkenndirtilaWmtagjaldYolskrfuviWkomandid;ttureWa    hlutdeildarflags:    / /"A0J"  A0J y2g  a  .3  Ԉ0    ;rWstafaWag;Wajfnunarskuldlftryggingaflagisemerd;ttureWahlutdeildarflag   YesshluteignarflagssemgjaldYolsstaWasamstWuerreiknuWfyrir,A0J݌wO    Ќ  "A0J"  A0J? y2g  b  .3  Ԉ0    ;innborgaWhlutafd;ttureWahlutdeildarflagihluteignarflagssemgjaldYolsstaWa B  samstWuerreiknuWfyrir.A0J?l݌     Ќ  TilviWb;tarskalllumtilvikumdragaeftirfarandiliWifr:   ! ! (00*"A0J"  A0J y2  i  .3  Ԉ0    ;innborgaWhlutafsemnemurhugsanlegriskuldbindinguhluteignarflagsins,A0J݌{    Ќ  "A0J"  A0J y2  ii  .3  Ԉ0    ;innborgaWhlutafhluteignarflaginusemnemurhugsanlegriskuldbindingud;ttur nF eWahlutdeildarflags,A0J݌9   Ќ  "A0J"  A0JL y2  iii  .3  Ԉ0    ;innborgaWhlutafd;tturoghlutdeildarflagisemnemurhugsanlegriskuldbindingu  annarsd;ttureWahlutdeildarflagssamahluteignarflags.A0JLy݌   Ќ   y TeljiFjrmlaeftirlitiWaWtilteknirviWurkenndirgjaldYolsliWirtilaWmtagjaldYolskrfu r d;ttur-eWahlutdeildarflagssemfallaekkiundir3.mgr.suekkitiltkirtilaWmtagjald e= YolskrfuhluteignarflagssemgjaldYolsstaWavtryggingasamstWuermetinfyrirmein 0 ungistakaYliWimeWtreikninginnefviWurkennteraWYeirgetimttgjaldYolskrfu  d;ttur-eWahlutdeildarflagsins.   y SummagjaldYolsliWaskv.3.!4.mgr.mekkiveraumframgjaldYolskrfud;tturoghlut i deildarflagsins. \4  y AllirgjaldYolsliWird;tturoghlutdeildarflagshluteignarflagssemgjaldYolsstaWav ' tryggingasamstWuermetinfyriroghWirerusamYykkiFjrmlaeftirlitsinseWaannarseftir  litsstj;rnvaldsskv.4.mgr.90.gr.lagaumvtryggingastarfsemiskulueingnguverameW  matinuaWYvmarkisemsamYykkiWkveWurum. `  Q|    Q|  13.gr.Q|̎݌ " Ќ   P    P7  Frdrtturvegnagagnkvmrarfjrmgnunar.P7a݌ # Ќ    y ViWmatgjaldYolivtryggingasamstWuskalekkiteljatilgjaldYolsvirWiviWurkenndra  $ gjaldYolsliWatilaWmtagjaldYolskrfusemverWatilviWgagnkvmafjrmgnunhluteignar !W% flagsinsogeinhverseftirtalinnaaWila: J""& ! ! *(g00"A0J"  A0J y2g  a  .3  Ԉ0    d;ttureWahlutdeildarflagsYess,A0J݌#'   Ќ  "A0J"  A0J y2g  b  .3  Ԉ0    hluteignarflagsYess,A0J݌#(   Ќ  "A0J"  A0J y2g  c  .3  Ԉ0    annarsd;ttureWahlutdeildarflagshluteignarflagsYess.A0J݌$ )   Ќ   y ViWmatgjaldYolsstWuvtryggingasamstWuskalvirWiviWurkenndragjaldYolsliWatil v%N!* aWmtagjaldYolskrfud;ttureWahlutdeildarflagshluteignarflagssemgjaldYolsstaWa A&"+ vtryggingasamstWuermetinfyrirogverWatilviWgagnkvmafjrmgnunviWannaW  '",  d;tturoghlutdeildarflaghluteignarflagsins,ekkiteljasttilgjaldYols. '#-  y &   XaWtelstgagnkvmfjrmgnunYegarvtryggingaflageWad;tturoghlutdeildarflag ( Yesshlutaf'(eWakrfuannaWflagsembeinteWa;beintviWurkenndagjaldYolsliWitil  aWmtagjaldYolskrfufyrrnefndaflagsins.  Q|    Q|{  14.gr.Q|{݌ T, Ќ   P    P   Mateignumogskuldbindingum.P 7݌  Ќ    y MateignumogskuldbindingumvegnagjaldYolsstWuvtryggingasamstWuskalvera  samrmiviWvarfrnisreglu74.gr.lagaumvtryggingastarfsemi.   Q|    Q|  15.gr.Q|݌ K #  Ќ   P    P%  Tengdd;tturoghlutdeildarflg.P%O݌    Ќ    y Eigivtryggingaflagfleirieneittd;ttureWahlutdeildarflagskalhvertogeitttekiWmeW    matigjaldYolsstWuvtryggingasamstWunnar.    y EfFjrmlaeftirlitiWereftirlitsstj;rnvaldsamstWugeturYaWkveWiWaWmatgjaldYols wO  krfuogviWurkenndumgjaldYolsliWumtilaWmtahennitakimiWafkrfumWruaWildar B  rkisd;ttureWahlutdeildarflagiWmeWhfuWstWvarYar.    Q|    Q|8  16.gr.Q|8_݌ {  Ќ   P    Pɞ  EignarhaldsflgvtryggingasviWieiguvtryggingaflags.Pɞ݌ nF Ќ    y ViWmatgjaldYolsstWuvtryggingaflagssem,gegnumeignarhaldsflagvtrygg 9 ingasviWieWablandaWeignarhaldsflagfjrmlastarfsemi,annaWvtryggingaflagaWd;ttur  eWahlutdeildarflagi,hvortsemYaWhefurhfuWstWvarhrlandi,WruaWildarrkieWa  utanaWildarrkja,skaltakatillittilstWueignarhaldsflagsins. r  y ViWmatiWskallitiWeignarhaldsflagiWeinsogYaWsvtryggingaflagsamkvmt e= kvWumXVI.kaflalagaumvtryggingastarfsemivegnagjaldYolskrfuogXV.kaflasmu 0 lagavegnaviWurkenndragjaldYolsliWatilaWmtagjaldYolskrfu.   y HafieignarhaldsflagvkjandilneWaaWragjaldYolsliWisemhWirerutakmrkunumskv.  94.gr.lagaumvtryggingastarfsemiskuluYeirviWurkenndiruppaWYvmarkisemheimilt i erskv.XV.kaflasmulaga. \4  y AWeinserheimiltaWtakaviWurkenndagjaldYolsliWieignarhaldsflagsinnmatgjaldYoli ' vtryggingasamstWuhafiFjrmlaeftirlitiWsamYykktYskv.4.mgr.90.gr.lagaumv  tryggingastarfsemi.  Q|    Q|G  17.gr.Q|Gn݌ S+! Ќ   P    P٥  Jafngildivegnad;tturoghlutdeildarflagautanaWildarrkja.P٥݌ " Ќ    y LitiWskalsamstWuvtryggingaflagssemd;ttureWahlutdeildarflagutanaWildar # rkjasemtengtvtryggingaflagviWmatgjaldYolsstWu.HafivtryggingaflaghfuWstWv  $ arutanaWildarrkis,YarsemvtryggingastarfsemierstarfsleyfisskyldoglggjfumgjaldYol !W% oggjaldYolskrfuera.m.k.jafngildkvWumlagaumvtryggingastarfsemi,geturFjrmla J""& eftirlitiWheimilaWaWmatgjaldYolskrfufarisamkvmtlggjfYessrkis. #'  y EfFjrmlaeftirlitiWereftirlitsstj;rnvaldsamstWukvarWarYaWjafngildigjaldYolskrafna #( aWhfWusamrWiviWhlutaWeigandieftirlitsstj;rnvldaWbeiWnisamstWunnareWaaWeigin $ ) frumkvWi.FjrmlaeftirlitiWgeturekkitekiWkvarWanirumjafngildisemgangagegnfyrri v%N!* fordmumnemaforsendurfyrirkvrWuninnihafibreystverulega. A&"+  y Eftirlitsstj;rnvaldsemer;sammlakvrWunFjrmlaeftirlitsinsgeturvsaWmlinutil  '", Evr;pskuvtryggingaoglfeyrissj;WaeftirlitsstofnunarinnareWaEftirlitsstofnunarEFTA '#- eftirYvsemviWskv.19.gr.reglugerWarEvr;puYingsinsogrWsins(ESB)nr.1094/2010 (z$. umEvr;pskuvtryggingaoglfeyrissj;Waeftirlitsstofnunina.samahttgeturFjrmla ( eftirlitiW,efYaWerekkieftirlitsstj;rnvaldsamstWu,vsaWmlitilEftirlitsstofnunarEFTA  efYaWer;sammlakvrWuneftirlitsstj;rnvaldssamstWu.VsaYarfmlitileftirlitsstofn  unarinnanYriggjamnaWafrYvaWeftirlitsstj;rnvaldiWfkktilkynninguumkvrWunfr a eftirlitsstj;rnvaldisamstWunnar. T,  y FjrmlaeftirlitiWskalbirtavefsWusinnilistayfirrkisemteljastjafngildsamkvmt  YessukvWi.  Q|    Q|  18.gr.Q|݌  X Ќ   P    P  FjrmlafyrirtkiogrekstrarflgverWbrfasj;Wa K #  semerud;ttureWahlutdeildarflg.PF݌    Ќ    y XegargjaldYolsstaWavtryggingasamstWuerreiknuWfyrirvtryggingaflagsemfjr    mlafyrirtkieWarekstrarflagverWbrfasj;WaaWd;ttureWahlutdeildarflagierflaginu   heimiltaWmetagjaldYolsstWusamrmiviWlgumviWb;tareftirlitmeWfjrmlasamsteyp wO  um.TeljiFjrmlaeftirlitiWsemeftirlitsstj;rnvaldsamstWuaWsamYttingstj;rnunarsam B  stWuoginnraeftirlitsekkiviWunandihjflgumsemttuaWteljastmeWsamstWu    uppgjrinuskaleingnguheimiltaWnotafrdrttarogsamlagningaraWferWeWasambland   afsamstWuuppgjrsaWferWinniogfrdrttarogsamlagningaraWferWinnisamkvmtlgum {  umviWb;tareftirlitmeWfjrmlasamsteypum.SamrmiskalveravaliaWferWmillira. nF  y EfFjrmlaeftirlitiWereftirlitsstj;rnvaldsamstWugeturYaWaWbeiWnihluteignarflags 9 eWaaWeiginfrumkvWiheimilaWvtryggingasamstWuaWdragaeignarhlutskv.1.mgr.fr  viWurkenndumgjaldYolsliWumsamstWuhluteignarflagsins.  Q|    Q|  19.gr.Q|݌ e= Ќ   P    P*  NauWsynlegarupplUsingarekkitiltkar.P*T݌ 0 Ќ    y EfupplUsingarfrd;ttureWahlutdeildarflagimeWhfuWstWvarerlendissemnauWsyn  legarerutilmatsgjaldYolsstWusamstWuvtryggingaflagseruekkitiltkarhjFjr  mlaeftirlitinuskalvirWiYessflagsdregiWfrviWurkenndumgjaldYolsliWumtilaWmta i gjaldYolisamstWunnarb;kumhluteignarflagsins. \4  y EfupplUsingareruekkitiltkarskaldulinnhagnaWursemmyndastviWslkaeignekki ' viWurkenndursemgjaldYolsliWurtilaWmtagjaldYolisamstWunnar.  Q|    Q|  20.gr.Q|׺݌ `  Ќ   P    PB  MatgjaldYolsstWu.StWluWaWferW.PBl݌ S+! Ќ    y MatgjaldYolsstWuhluteignarflagsskalbyggtsamstWuuppgjri. "  y GjaldYolsstaWahluteignarflagsermismunurviWurkenndragjaldYolsliWatilaWmtagjald # YolskrfusemmetnirerugrundvelligagnafrvtryggingasamstWuoggjaldYolskrfuv  $ tryggingasamstWusemmetinergrundvelligagnafrvtryggingasamstWunni.kvWi !W% lagaumvtryggingastarfsemigildaumtreikninginn. J""&  y GjaldYolskrfuvtryggingasamstWuskalannaWhvortmetameWstaWalreglueWaviWur #' kenndueiginlkanisamkvmtkvWumlagaumvtryggingastarfsemiogskalbyggW #( ggnumsamstWunnar. $ )  y GjaldYolskrafasamstWuskalaWlgmarkiverasamtalalgmarksfjrmagnshluteignar v%N!* flagsinsskv.112.gr.lagaumvtryggingastarfsemioghlutdeildarlgmarksfjrmagnid;tt A&"+ uroghlutdeildarflagasamrmiviWeignarhluthluteignarflagsins.Lgmarkiskalmtt  '",  meWviWurkenndumgjaldYolsliWum94.gr.lagaumvtryggingastarfsemi. '#-  y & a  ViWmatYvhvortviWurkenndirgjaldYolsliWirsutilYessfallniraWmtalgmarks ( gjaldYolskrfuvtryggingasamstWugildakvWi11.!19.gr.Yessaralagaog1.og2.mgr.  118.gr.lagaumvtryggingastarfsemi,aWbreyttubreytanda.'a(;  Q|    Q|  21.gr.Q|݌ T, Ќ   P    PI  EigiWlkansamstWu.PIs݌  Ќ    y Ums;knumheimildtilaWnotaeigiWlkantilaWmetagjaldYolskrfuvtryggingasam  stWuoggjaldYolskrfueinstakravtryggingaflagasamstWunniskalsendaFjrmlaeftir   litinuefYaWereftirlitsstj;rnvaldsamstWunnar.XaWskalsendaums;kninatilannarraaWila  X samstarfsh;pieftirlitsstj;rnvaldaogskalsamvinnuviWviWeigandieftirlitsstj;rnvld K #  annarraaWildarrkjakveWahvortheimiltsaWnotalkaniWogskilyrWifyrirslkriheimild,    efviW.     y kvrWunumums;knskv.1.mgr.skaltakainnansexmnaWafrYvaWeftirlitsstj;rnvald   samstWunnarfkkfullbnaums;kn.kvrWuninerbindandi. wO   y Efeitthverteftirlitsstj;rnvaldvsarmlinutilEvr;pskuvtryggingaoglfeyrissj;Wa B  eftirlitsstofnunarinnareWaEftirlitsstofnunarEFTA,eftirYvsemviW,erkvrWuneftirlits    stofnunarinnarbindandi.EkkierunntaWvsamlitileftirlitsstofnunareftiraWsexmnaWa   fresturskv.2.mgr.erliWinn. {   y Takieftirlitsstj;rnvldekkikvrWuninnansexmnaWaogmlierekkivsaWtilEvr;psku nF vtryggingaoglfeyrissj;WaeftirlitsstofnunarinnareWaEftirlitsstofnunarEFTAskalFjr 9 mlaeftirlitiW,efYaWereftirlitsstj;rnvaldsamstWunnar,takakvrWunumums;knskv.1.  mgr.SkvrWunerbindandi.ViWtkukvrWunarskaltakatillittilsj;narmiWaogfyrirvara  semhafakomiWfrWrumeftirlitsstj;rnvldum.FjrmlaeftirlitiWskaltilkynnaumskjanda r oghinumeftirlitsstj;rnvldunumumrkstuddakvrWunsna. e=  y TeljiFjrmlaeftirlitiWaWhttusniWvtryggingaflagsundireftirlitiYessvkiverulega 0 frforsendumviWurkenndseiginlkansvtryggingasamstWuogvtryggingaflagiWrWur  ekkib;tYvgeturFjrmlaeftirlitiWlagtYaWviWb;targjaldYolskrfuvegnaums;knarinnar  skv.32.gr.lagaumvtryggingastarfsemi. i  y TeljiFjrmlaeftirlitiWslkaviWb;targjaldYolskrfuekkieigaviWgeturYaWundantekn \4 ingartilvikumkrafistYessaWvtryggingaflagiWmetigjaldYolskrfusnameWstaWalreglu ' samkvmtlgumumvtryggingastarfsemi.FjrmlaeftirlitiWgeturlagtviWb;targjaldYols  krfuvtryggingaflagiWvegnanotkunarstaWalregluskv.1.og3.tlul.1.mgr.32.gr.laga  umvtryggingastarfsemi. `   y FjrmlaeftirlitiWtilkynnirumskjandaogsamstarfsh;pieftirlitsstj;rnvaldasamstWuum S+! kvrWunskv.5.og6.mgr. "  y FjrmlaeftirlitiWseturreglurumkrfur,semums;knskv.1.mgr.YarfaWfullngjaYegar # tekinerkvrWunmeWWrumeftirlitsstj;rnvldum,sembyggjasttknilegumframkvmda  $ stWlumEvr;pskuvtryggingaoglfeyrissj;Waeftirlitsstofnunarinnar. !W% Q|    Q|K  22.gr.Q|Kr݌ #' Ќ   P    P  ViWb;targjaldYolskrafa.P݌ #( Ќ    y ViWkvrWunYesshvortgjaldYolskrafavtryggingasamstWuendurspeglarviWeigandi $ ) htthttusniWsamstWunnarskalFjrmlaeftirlitiW,efYaWereftirlitsstj;rnvaldsamstW v%N!* unnar,kannahvortaWstWurskv.1.og3.tlul.1.mgr.32.gr.lagaumvtryggingastarfsemi A&"+ eigiviW.Srstaklegaskalmeta:  '", / /"A0J"  A0J{ y2g  a  .3  Ԉ0    hvortsrstkhttasamstWunnaryrWiekkingjanlegavelmetinmeWstaWalreglunni '#- eWaeiginlkanivegnaYessaWerfittvriaWmlahana,A0J{݌(z$.   Ќ  "A0J"  A0J y2g  b  .3  Ԉ0    hvorteftirlitsstj;rnvald,annaWenFjrmlaeftirlitiW,hafilagtviWb;targjaldYolskrfu ( d;ttureWahlutdeildarflagskv.32.gr.lagaumvtryggingastarfsemiog21.gr.Yessara  laga.A0J=݌   Ќ   y EfhttusniWvtryggingasamstWukemurekkiviWeigandihttframgjaldYolskrfu a samstWunnargeturFjrmlaeftirlitiWlagtviWb;targjaldYolskrfusamstWuna. T,  y kvWi32.gr.lagaumvtryggingastarfsemiumviWb;targjaldYolskrfugildaumv  tryggingasamstWuraWbreyttubreytanda.  Q|    Q|  23.gr.Q|݌  X Ќ   P    P:  BtreikningurgjaldYolsstWu.ValkvWaWferW.P:d݌ K #  Ќ    y GjaldYolsstaWavtryggingasamstWuhluteignarflagsermismunursamanlagWrarfjr    hWarviWurkenndragjaldYolsliWaskv.2.mgr.annarsvegarogsamanlagWrareignarhlut    deildarhluteignarflagsinsd;tturoghlutdeildarflgumogsamanlagWrargjaldYolskrfu   skv.3.mgr.hinsvegar. wO   y SamanlgWfjrhWviWurkenndragjaldYolsliWaersamtalaviWurkenndragjaldYolsliWatil B  aWmtagjaldYolskrfuhluteignarflagsoghlutdeildarhluteignarflagsviWurkenndum    gjaldYolsliWumtilaWmtagjaldYolskrfud;tturoghlutdeildarflaga.    y SamanlgWgjaldYolskrafavtryggingasamstWuersamtalagjaldYolskrfuhluteignar {  flagsoghlutdeildarhluteignarflagsgjaldYolskrfud;tturoghlutdeildarflaga. nF  y Xegareignarhluturd;ttureWahlutdeildarflagieraWlluleytieWaaWhlutabyggWur 9 ;beinueignarhaldiskalverWgildieignarhluteignarflagsinsYvflagitakatillittilslks  ;beinseignarhalds.XskaltakatillittilsameiginlegrahagsmunaogviWmatliWumskv.2.  og3.mgr.skaltakatillittilhlutdeildarhluteignarflagsinssamrmiviWbeintog;beint r eignarhald. e=  y kvWi21.gr.umeigiWlkansamstWueigaviWumtreikningsamkvmtYessarigrein 0 YegarvtryggingaflgsamstWueWafjrmlasamsteypuskjaumheimildtilaWnotaeigiW  lkantilaWmetagjaldYolskrfusamstWugrundvelli.   y ViWkvrWunYvhvortsamanlgWgjaldYolskrafaskv.3.mgr.endurspeglarviWeigandi i htthttusniWvtryggingasamstWuskalFjrmlaeftirlitiWsrlagifylgjastmeWsrtkum \4 httuYttumsamstWugrundvellisemerekkimttsvofullngjandisvegnaYessaWerfitt ' eraWmlaY.   y HgteraWleggjaviWb;targjaldYolskrfuvtryggingasamstWuYegarhttusniWhennar  vkurverulegafrforsendumsamanlagWrargjaldYolskrfu. `   y kvWi32.lagaumvtryggingastarfsemiumviWb;targjaldYolskrfugildaaWbreyttu S+! breytanda. " Q|    Q|  24.gr.Q|݌  $ Ќ   P    PJ  GjaldYolsstaWasamstWu.PJt݌ !W% Ќ    y Efvtryggingaflagerd;tturflageignarhaldsflagsvtryggingasviWieWablandaWs J""& eignarhaldsflagsfjrmlastarfsemiskalFjrmlaeftirlitiW,efYaWereftirlitsstj;rnvaldsam #' stWu,hafaeftirlitmeWaWmatgjaldYolsstWuvtryggingasamstWutakitileignarhalds #( flagsinsskv.10.!13.gr. $ )  y ViWmatiWskallitiWm;WurflagiWeinsogYaWvrivtryggingaflagoggildakvWi v%N!* XVI.kaflalagaumvtryggingastarfsemiumgjaldYolskrfuogviWurkenndagjaldYolsliWitil A&"+ aWmtahenni.  '",   '#- Q|    Q|  & ,  25.gr.Q|,݌ ( Ќ   P    P  SkilyrWimiWlgrarhttustUringar.P݌  Ќ    y kvWi27.og28.gr.gildaumvtryggingaflgsemerud;tturflgvtryggingaflaga,  eignarhaldsflaga',(KvtryggingasviWieWablandaWraeignarhaldsflagafjrmlastarfsemief a eftirfarandiskilyrWierulluppfyllt: T, / /"A0J"  A0J y2g  a  .3  Ԉ0    d;tturflagiWerundirsamstWueftirlitiFjrmlaeftirlitsinssemeftirlitsstj;rnvaldssam  stWunnar,A0J݌   Ќ  "A0J"  A0JJ y2g  b  .3  Ԉ0    httustUringoginnraeftirlitm;Wurflagsinsnryfird;tturflagiWlkaogm;Wur   flagiWgetursUntviWeigandieftirlitsstj;rnvldumframaWd;tturflaginusstj;rnaW  X traustanogvarfrinnhtt,A0JJw݌K #    Ќ  "A0J"  A0JG y2g  c  .3  Ԉ0    m;WurflagiWhefurfengiWsamYykkieftirlitsstj;rnvaldatilYessaWgerasameiginlegt    eigiWhttuoggjaldYolsmatfyrirvtryggingasamstWunaskv.4.mgr.33.gr.,A0JGt݌     Ќ  "A0J"  A0J y2g  d  .3  Ԉ0    m;WurflagiWhefurfengiWsamYykkieftirlitsstj;rnvaldatilYessaWgerasameiginlega   skUrsluumgjaldYologfjrhagslegastWufyrirvtryggingasamstWunaskv.2.mgr. wO  41.gr.,A0J+݌B    Ќ  "A0J"  A0J y2g  e  .3  Ԉ0    m;WurflagiWhefurfengiWheimildskv.27.og28.gr.ogums;knhefurveriWafgreidd    skv.26.gr.A0J݌    Ќ  Q|    Q|=  26.gr.Q|=d݌ nF Ќ   P    P  kvrWunummiWlgahttustUringu.P݌ 9 Ќ    y FjrmlaeftirlitiWskalsamrWiviWeftirlitsstj;rnvldsamstarfsh;pieftirlitsstj;rnvalda  kveWahvortd;tturflgvtryggingaflagsgetifalliWundirsameiginlegteigiWhttuog  gjaldYolsmatskv.27.og28.gr.oghvortYaWskulihWsrstkumskilyrWum.D;tturflagmeW r starfsleyfihrlandiskalsendaums;kntilFjrmlaeftirlitsins.FjrmlaeftirlitiWsendir e= fullbnaums;kntilannarraeftirlitsstj;rnvaldasamstarfsh;pieftirlitsstj;rnvalda. 0  y HlutaWeigandieftirlitsstj;rnvldskulugeraalltsemYeirravaldistendurtilaWkomastaW  sameiginlegrikvrWunumums;knskv.1.mgr.innanYriggjamnaWafrYvaWums;knin  telstfullgild.FjrmlaeftirlitiWskaltilkynnaumskjandaoghlutaWeigandieftirlitsstj;rn i vldumumrkstuddakvrWuneftirlitsstj;rnvalda. \4  y Efeitthverteftirlitsstj;rnvaldannavsarmlitilEvr;pskuvtryggingaoglfeyrissj;Wa ' eftirlitsstofnunarinnareWaEftirlitsstofnunarEFTAskv.19.gr.reglugerWarEvr;puYingsins  ogrWsins(ESB)nr.1094/2010umEvr;pskuvtryggingaoglfeyrissj;Waeftirlitsstofnunina  skalFjrmlaeftirlitiW,efYaWereftirlitsstj;rnvaldsamstWunnar,takakvrWunsamrmi `  viWniWurstWueftirlitsstofnunarinnar.kvrWuninerbindandi. S+!  y EftiraWYriggjamnaWafresturskv.2.mgr.erliWinneWasameiginlegkvrWunhefurveriW " tekinerekkiunntaWvsamlitileftirlitsstofnunar. #  y EfkvrWuneftirlitsstofnunarerhafnaWskv.2.og3.mgr.41.gr.og1.mgr.44.gr.  $ reglugerWarEvr;puYingsinsogrWsins(ESB)nr.1094/2010umEvr;pskuvtryggingaog !W% lfeyrissj;WaeftirlitsstofnuninaskalFjrmlaeftirlitiWtakakvrWun.SkvrWunerbind J""& andi. #'  y FjrmlaeftirlitiWseturreglursembyggjasttknilegumframkvmdastWlumEvr;psku #( vtryggingaoglfeyrissj;WaeftirlitsstofnunarinnarumframkvmdsameiginlegrarkvrW $ ) unarskv.2.mgr. v%N!*  y Efeftirlitsstj;rnvldtakaekkisameiginlegakvrWuninnanYriggjamnaWafrestsinsskal A&"+ FjrmlaeftirlitiW,efYaWereftirlitsstj;rnvaldsamstWu,takakvrWunumums;knskv.1.  '", mgr.FjrmlaeftirlitiWskaltakatillittilsj;narmiWaogfyrirvarahlutaWeigandieftirlitsstj;rn '#- valdaogeftirlitsstj;rnvaldannasamstarfsh;pieftirlitsstj;rnvalda.kvrWuninskalrkstudd (z$. oghenniskulutilgreindsj;narmiWogfyrirvararhlutaWeigandieftirlitsstj;rnvalda.kvrW ( uninerbindandi.FjrmlaeftirlitiWskaltilkynnad;tturflaginuogsamstarfsh;pieftirlits  stj;rnvaldaumkvrWunina.  Q|    Q|*  27.gr.Q|*Q݌ T, Ќ   P    P  MiWlghttustUring.kvrWunumgjaldYolskrfu.P݌  Ќ    y EfgjaldYolskrafad;tturflagsermetinmeWeiginlkanigeturFjrmlaeftirlitiWlagttilaW  lgWverWiviWb;targjaldYolskrafad;tturflagiWumframYgjaldYolskrfusemfstmeW   notkunlkansinsefYaWteluraWhttusniWd;tturflagsinsvkiverulegafrforsendumlk  X ansinsogflagiWhefurekkibrugWistviWeigandihttviWathugasemdumFjrmlaeftirlitsins. K #  FjrmlaeftirlitiWgeturundantekningartilvikumkrafistYessaWd;tturflagiWmetigjaldYols    krfuYesssamkvmtstaWalreglunni.FjrmlaeftirlitiWskalkynnaslkakvrWunfyrir    d;tturflaginuogsamstarfsh;pieftirlitsstj;rnvalda.    y EfgjaldYolskrafad;tturflagsermetinsamkvmtstaWalreglugeturFjrmlaeftirlitiW, wO  undantekningartilvikum,lagttilaWd;tturflagiWskiptistikumstaWalreglunnitfyrirstikur B  semerueinkennandifyrirflagiWsjlftviWmatgjaldYolskrfuvegnalf,skaWaog_heilsu    tryggingahttu_Ԁskv.32.gr.lagaumvtryggingastarfsemiefYaWteluraWhttusniWYess   vkiverulegafrforsendumstaWalreglunnarogvtryggingaflagiWhefurekkibrugWistviW {  eigandihttviWathugasemdumFjrmlaeftirlitsins. nF  y FjrmlaeftirlitiWskalkynnatillgunafyrird;tturflaginuogsamstarfsh;pieftirlitsstj;rn 9 valda.   y kvrWunsamstarfsh;pseftirlitsstj;rnvaldavegnatillguFjrmlaeftirlitsinssamkvmt  Yessarigreinskalverabindandi. r  y EfFjrmlaeftirlitiWogeftirlitsstj;rnvaldsamstWueru;sammlageturFjrmlaeftirlitiW e= vsaWmlinutilEftirlitsstofnunarEFTAinnanmnaWarfrkvrWunsamstarfsh;pseftirlits 0 stj;rnvalda.SamagildirefFjrmlaeftirlitiWereftirlitsstj;rnvaldsamstWunnar.Eftirlits  stofnunEFTAtekurkvrWuninnanmnaWarskv.2.mgr.19.gr.reglugerWarEvr;puYingsins  ogrWsins(ESB)nr.1094/2010umEvr;pskuvtryggingaoglfeyrissj;Waeftirlitsstofnunina. i EkkierunntaWvsamlitilEftirlitsstofnunarEFTAeftiraWmnaWarfresturinnerliWinneWa \4 samstarfsh;pureftirlitsstj;rnvaldahefurtekiWkvrWun.kvrWuneftirlitsstofnunarinnar ' erbindandi.  Q|    Q|  28.gr.Q|݌ `  Ќ   P    P  MiWlghttustUring.GjaldYolskrfuogkrfuumlgmarksfjrmagnekkifullngt.P݌ S+! Ќ    y Fullngid;tturflagekkigjaldYolskrfuskalFjrmlaeftirlitiWntafarsendasamstarfs " h;pieftirlitsstj;rnvaldaendurreisnartlunYessskv.117.gr.lagaumvtryggingastarfsemi # Yarsemframkemurhvernigd;tturflagiWhyggstfullngjagjaldYolskrfuinnansexmnaWa  $ frYvaWlj;stvaraWflagiWfullngWihenniekki. !W%  y Samstarfsh;pureftirlitsstj;rnvaldaskalgeraalltsemhansvaldistendurtilaWnsam J""& komulagiumtluninainnanfjgurramnaWafrYvaWlj;stvaraWd;tturflagiWfullngWi #' ekkigjaldYolskrfunni.EfsamkomulagnstekkiskalFjrmlaeftirlitiWtakakvrWunum #( hvortsamYykkjaskuliendurreisnartlunina,aWteknutillititilsj;narmiWaogfyrirvaraann $ ) arraeftirlitsstj;rnvaldasamstarfsh;pieftirlitsstj;rnvalda. v%N!*  y KomistFjrmlaeftirlitiWaWYvaWfjrhagsstaWad;tturflagsfariversnandi,sbr.115.gr. A&"+ lagaumvtryggingastarfsemi,skalYaWtilkynnasamstarfsh;pieftirlitsstj;rnvaldantafar  '", umfyrirhugaWareftirlitsaWgerWir.EfekkierumneyWartilvikaWrWaskalfarayfireftirlits '#- aWgerWirnarsamstarfsh;pieftirlitsstj;rnvalda.Nisamstarfsh;pureftirlitsstj;rnvaldaekki (z$. samkomulagiumtillgurFjrmlaeftirlitsinsinnanmnaWarfrtilkynninguskalFjrmla ( eftirlitiWkveWahvortgripiWskulitilfyrirliggjandiaWgerWa,aWteknutillititilsj;narmiWaog  fyrirvaraannarraeftirlitsstj;rnvaldasamstarfsh;pieftirlitsstj;rnvalda.   y Fullngid;tturflagekkikrfuumlgmarksfjrmagnskalFjrmlaeftirlitiWntafar a sendasamstarfsh;pieftirlitsstj;rnvaldafjrmgnunartlunsvoaWkrfuumlgmarksfjr T, magnsfullngtinnanYriggjamnaWafrYvaWlj;stvaraWflagiWuppfylltiekkikrfuna,  sbr.118.gr.lagaumvtryggingastarfsemi.EinnigskalupplUsasamstarfsh;peftirlitsstj;rn  valdaumrWstafanirFjrmlaeftirlitsinssemeigaaWtryggjaaWd;tturflagiWfullngikrfum   umlgmarksfjrmagn.  X  y FjrmlaeftirlitiWgeturvsaWmlitilEftirlitsstofnunarEFTAog;skaWaWstoWarvegna K #  greiningsumsamYykkiendurreisnartlunar,YarmeWal;samkomulagsumframlengingu    fjgurramnaWafrestiskv.2.mgr.oggreiningsumaWsamYykkjafyrirhugaWareftirlits    aWgerWirinnanmnaWarskv.3.mgr.    y EkkierunntaWvsamlitilEftirlitsstofnunarEFTA: wO  / /"A0J"  A0J  y2g  a  .3  Ԉ0    eftiraWfjgurramnaWafresturskv.2.mgr.eWamnaWarfresturskv.3.mgr.erliWinn,A0J G ݌B    Ќ  "A0J"  A0J_! y2g  b  .3  Ԉ0    eftiraWsamstarfsh;pureftirlitsstj;rnvaldahefurnWsamkomulagiskv.2.mgr.og3.    mlsl.3.mgr.,A0J_!!݌    Ќ  "A0J"  A0J" y2g  c  .3  Ԉ0    efumneyWartilvikeraWrWaskv.2.mlsl.3.mgr.A0J""݌{    Ќ   y FjrmlaeftirlitiWsemeftirlitsstj;rnvaldsamstWuskalfrestahrifumkvrWunarefmli nF ervsaWtilEftirlitsstofnunarEFTAeWaEvr;pskuvtryggingaoglfeyrissj;Waeftirlitsstofn 9 unarinnar.kvrWuneftirlitsstofnunarerbindandi.FjrmlaeftirlitiWskaltilkynnad;ttur  flaginuogsamstarfsh;pieftirlitsstj;rnvaldaumkvrWunina.  Q|    Q|%  29.gr.Q|%%݌ e= Ќ   P    PS&  MiWlghttustUringfellurniWur.PS&}&݌ 0 Ќ    y kvarWanirskv.27.og28.gr.fallaniWuref:  / /"A0J"  A0J' y2g  a  .3  Ԉ0    skilyrWumaliWar25.gr.erekkilengurfullngt,A0J''݌   Ќ  "A0J"  A0J( y2g  b  .3  Ԉ0    skilyrWumbliWar25.gr.erekkilengurfullngtogvtryggingasamstWagerirekki i nauWsynlegarendurbturinnanviWeiganditmatilaWuppfyllaskilyrWin,A0J((݌\4   Ќ  "A0J"  A0JN* y2g  c  .3  Ԉ0    skilyrWumcogdliWar25.gr.erekkilengurfullngt.A0JN*{*݌'   Ќ   y 0tilvikumaliWar1.mgr.kveWurFjrmlaeftirlitiW,semeftirlitsstj;rnvaldsamstWu,  samrWiviWsamstarfsh;peftirlitsstj;rnvaldaaWd;tturflagsekkilengurhlutiafsamstWu  eftirlitiYessogskalntafartilkynnaviWeigandieftirlitsstj;rnvaldiogm;WurflagiumY `  kvrWun. S+!  y M;WurflagberbyrgWaWskilyrWib!dliWar25.gr.suuppfyllthverjumtma.Su " skilyrWinekkiuppfylltskalm;WurflagiWntafarupplUsaeftirlitsstj;rnvaldsamstWuog # eftirlitsstj;rnvaldd;tturflagsumYaWogframvsatlunumhvernigskilyrWinverWa  $ uppfylltafturinnantilhlUWilegratmamarka. !W%  y XrttfyrirkvWi3.mgr.skalFjrmlaeftirlitiW,semeftirlitsstj;rnvaldsamstWu,sann J""& reynaa.m.k.rlegaaWskilyrWumb!dliWar25.gr.sfullngt.FjrmlaeftirlitiWskaleinnig #' sannreynaskilyrWinaWbeiWnieftirlitsstj;rnvaldsd;tturflags.LeiWiathugunFjr #( mlaeftirlitsinslj;saWskilyrWinsuekkiuppfylltskalm;WurflagiWframvsatlunum $ ) hvernigskilyrWinverWaafturuppfylltinnantilhlUWilegratmamarka. v%N!*  y EfFjrmlaeftirlitiWtelur,eftirsamrWinnansamstarfsh;pseftirlitsstj;rnvalda,aWtlun A&"+ skv.3.eWa4.mgr.s;fullngjandieWahnerekkiinnleiddinnantmamarkaskalYaWlta  '", svoaWskilyrWumb!dliWar25.gr.sekkilengurfullngtogntafarupplUsaviWeigandi '#- eftirlitsstj;rnvaldumYaW. (z$.  y Fyrirkomulagskv.27.og28.gr.telstafturgildiYegarm;WurflagsendirnUjaums;kn ( ogfrsamYykkiskv.26.gr.  Q|    Q|3  30.gr.Q|34݌ a Ќ   P    P4  D;tturflg.P44݌ T, Ќ    y kvWi25.!29.gr.gilda,aWbreyttubreytanda,umd;tturflgeignarhaldsflagav  tryggingasviWieWablandaWraeignarhaldsflagafjrmlastarfsemi.  V|    V| 6  III.KAFLIV| 606݌  X Ќ   U     U6  SamYjppunhttuogviWskiptiinnanvtryggingasamstWu.U66݌ K #  Ќ    Q|    Q|q7  31.gr.Q|q77݌    Ќ   P    P8  EftirlitmeWsamYjppunhttu.P8-8݌    Ќ    y Vtryggingaflg,eignarhaldsflgvtryggingasviWieWablnduWeignarhaldsflg   fjrmlastarfsemiskulua.m.k.rlegaskilaggnumtilFjrmlaeftirlitsins,efYaWereftirlits wO  stj;rnvaldsamstWu,umverulegasamYjppunhttusamstWugrundvelli. B   y M;WurflagvtryggingasamstWuberbyrgWYvaWggnumskv.1.mgr.sskilaWtil    Fjrmlaeftirlitsins.Efm;WurflagiWerekkivtryggingaflagskaleignarhaldsflagv   tryggingasviWi,blandaWeignarhaldsflagfjrmlastarfsemieWavtryggingaflagsamstW {  unnisemFjrmlaeftirlitiWkveWur,eftirsamrWviWviWeigandieftirlitsstj;rnvldogsam nF stWunasjlfa,skilaggnunum. 9  y EftirlitmeWsamYjppunhttufellurundireftirlitsferliFjrmlaeftirlitsinssemeftirlits  stj;rnvaldssamstWu.   y FjrmlaeftirlitiWsemeftirlitsstj;rnvaldsamstWuskal,eftirsamrWviWviWeigandieftir r litsstj;rnvldogvtryggingasamstWuna,tilgreinaYrtegundirhttusemvtryggingaflg e= tiltekinnisamstWuskuluvalltgeragreinfyrirskv.1.mgr.Takaskaltillittilsrstakrar 0 httuogskipulagshttustUringarvtryggingasamstWunni.   y FjrmlaeftirlitiWskalennfremurtilgreina,aWhfWusamrWiviWviWeigandieftirlitsstj;rn  vldogvtryggingasamstWu,hvaWtelstverulegsamYjppunhttuaWteknutillititilgjald i YolskrafnaeWavtryggingaskuldareWahvorstveggja. \4  y FjrmlaeftirlitiWskalfylgjastsrstaklegameWmgulegrihttusmithrifuminnanv ' tryggingasamstWuoghttuhagsmunarekstrumaukstigsogumfangshttu.   y FjrmlaeftirlitiWseturreglursembyggjasttknilegumframkvmdastWlumEvr;psku  vtryggingaoglfeyrissj;WaeftirlitsstofnunarinnarumhvernigverulegsamYjppunhttu `  erskilgreindogviWmiWunarmrkskv.4.mgr.,hvaWaformivtryggingasamstWurskulu S+! skilaupplUsingumumverulegasamYjppunhttuogferliviWslkaupplUsingagjf. " Q|    Q|C  32.gr.Q|C:C݌  $ Ќ   P    PC  EftirlitmeWviWskiptuminnanvtryggingasamstWu.PCC݌ !W% Ќ    y Vtryggingaflg,eignarhaldsflgvtryggingasviWieWablnduWeignarhaldsflg J""& fjrmlastarfsemiskulua.m.k.rlegaskilaggnumtilFjrmlaeftirlitsins,efYaWer #' eftirlitsstj;rnvaldsamstWu,umumtalsverWviWskiptivtryggingaflagainnanvtrygginga #( samstWu,YarmeWalviWskiptiviWeinstaklingameWnintengslviWflagsamstWunni. $ ) kvWiWekkiviWef2.mgr.5.gr.gildirumvtryggingasamstWuna. v%N!*  y UpplUsingumumafarumtalsverWviWskiptiinnanvtryggingasamstWuskalskilaWtil A&"+ Fjrmlaeftirlitsinsntafar.  '",  y M;WurflagvtryggingasamstWuberbyrgWgagnaskilumtilFjrmlaeftirlitsins.Ef '#- m;WurflagiWerekkivtryggingaflagskaleignarhaldsflagvtryggingasviWi,blandaW (z$. eignarhaldsflagfjrmlastarfsemieWavtryggingaflagsamstWunnisemFjrmlaeftir ( litiWkveWur,eftirsamrWviWnnurviWeigandieftirlitsstj;rnvldogvtryggingasamstWuna  sjlfa,skilaggnunum.   y EftirlitmeWviWskiptuminnanvtryggingasamstWufellurundireftirlitsferliFjrmla a eftirlitsinssemeftirlitsstj;rnvaldssamstWunnar. T,  y FjrmlaeftirlitiWskalaWhfWusamrWiviWviWeigandieftirlitsstj;rnvldogvtrygginga  samstWunatilgreinaYrtegundirviWskiptasemvtryggingaflgtiltekinnisamstWu  skulugeragreinfyrir.ViWeftirlitmeWviWskiptuminnanvtryggingasamstWuskalFjrmla   eftirlitiWsrlagifylgjastmeWmgulegrihttusmithrifuminnansamstWunnaroghttu  X hagsmunarekstrumaukstigsogumfangshttu. K #   y FjrmlaeftirlitiWseturreglursembyggjasttknilegumframkvmdastWlumEvr;psku    vtryggingaoglfeyrissj;WaeftirlitsstofnunarinnarumhvernigafarumtalsverWviWskiptiinn    anvtryggingasamstWueruskilgreind,hvaWaformivtryggingasamstWurskuluskila   upplUsingumumtilgreindviWskiptiinnansamstWunnarogferliviWslkaupplUsingagjf. wO  V|    V|N  IV.KAFLIV|NN݌    Ќ   U     UCO  httustUringoginnraeftirlit.UCOmO݌   Ќ    Q|    Q|O  33.gr.Q|O!P݌ {  Ќ   P    PP  Stj;rnkerfisamstWu.PPP݌ nF Ќ    y Krfurskv.VIII.kaflalagaumvtryggingastarfsemiumstj;rn,httustUringuoginnra 9 eftirlitskuluaWbreyttubreytandagildaumvtryggingasamstWur.XrttfyrirkvWi1.  mlsl.skulukerfivegnahttustUringaroginnraeftirlitsverastarfrktsambrilegallum  flgumsemfallaundirsamstWueftirlitskv.aogbliW1.mgr.3.gr.tilYessaWauWvelda r eftirlitsamstWugrundvelli. e=  y XrttfyrirkvWi1.mgr.skalinnraeftirlitskerfivtryggingasamstWuhafaa.m.k.: 0 / /"A0J"  A0J T y2g  a  .3  Ԉ0    kerfivegnagjaldYolsvtryggingasamstWutilaWgreinaogmlahttuYttisemskipta  mliogtilaWtengjaviWurkenndagjaldYolsliWiviWhttuYtti,A0J T9T݌   Ќ  "A0J"  A0JU y2g  b  .3  Ԉ0    traustuppgjrsogb;khaldsferlisemfylgistmeWoghefurumsj;nmeWviWskiptum i innanvtryggingasamstWuogsamYjppunhttu.A0JUU݌\4   Ќ   y EftirlitmeWkerfumoguppgjrsferlumskv.1.og2.mgr.skalverahlutiafeftirlitsferli ' FjrmlaeftirlitsinsefYaWereftirlitsstj;rnvaldsamstWu.   y Hluteignarflag,eignarhaldsflagvtryggingasviWieWablandaWeignarhaldsflagfjr  mlastarfsemiskalframkvmaeigiWhttuoggjaldYolsmatskv.45.gr.lagaumvtrygg `  ingastarfsemifyrirvtryggingasamstWuna.EftirlitmeWmatisamstWunnarskalverahluti S+! afeftirlitsferliFjrmlaeftirlitsins. "  y SgjaldYolsstaWavtryggingasamstWureiknuWtsamkvmtstaWlaWriaWferWskv.20.gr. # skalhluteignarflagiW,eignarhaldsflagiWvtryggingasviWieWablandaWaeignarhaldsflagiW  $ fjrmlastarfsemigefaFjrmlaeftirlitinuupplUsingarsemsUnamunsamtlugjaldYols !W% krfuallrad;tturoghlutdeildarflagasamstWunniannarsvegaroggjaldYolskrfusam J""& stWunnarhinsvegar. #'  y Hluteignarflag,eignarhaldsflagvtryggingasviWieWablandaWeignarhaldsflagfjr #( mlastarfsemigeturmeWsamYykkiFjrmlaeftirlitsinsgerteigiWhttuoggjaldYolsmat $ ) skv.45.gr.lagaumvtryggingastarfsemisamtmisfyrirvtryggingasamstWunaogd;ttur v%N!* flgsamstWunnioggertgreinfyrirYvsameiginleguskjali. A&"+  y WurenFjrmlaeftirlitiWsamYykkirsameiginlegteigiWhttuoggjaldYolsmatskv.6.  '", mgr.skalYaWrWfrasigviWeftirlitsstj;rnvldsamstarfsh;pieftirlitsstj;rnvaldaogtaka '#- tillittilsj;narmiWaYeirra. (z$.  y GerivtryggingasamstWasameiginlegteigiWhttuoggjaldYolsmatskalYaWsentsam ( tmistilallrahlutaWeigandieftirlitsstj;rnvalda.XaWleysirY;ekkihlutaWeigandid;tturflg  undanYeirriskylduaWtryggjaaWskilyrWi45.gr.lagaumvtryggingastarfsemisuuppfyllt.  V|    V|`  V.KAFLIV|``݌ T, Ќ   U     U5a  EftirlitsaWgerWir.U5a_a݌  Ќ    Q|    Q|a  34.gr.Q|ab݌  Ќ   P    Ppb  Eftirlitsstj;rnvaldvtryggingasamstWu.Ppbb݌   Ќ    y HafiFjrmlaeftirlitiWeftirlitmeWllumvtryggingaflgumsamstWuskalYaWvera  X eftirlitsstj;rnvaldsamstWunnar. K #   y FjrmlaeftirlitiWereinnigeftirlitsstj;rnvaldsamstWu:    / /"A0J"  A0Jd y2g  a  .3  Ԉ0    efYaWhefurveittvtryggingaflagisemstj;rnarvtryggingasamstWustarfsleyfi,A0Jdd݌     Ќ  "A0J"  A0Je y2g  b  .3  Ԉ0    efvtryggingasamstWuerekkistj;rnaWafvtryggingaflagien:A0Jee݌    Ќ  "C"  Cf0 y 0y y e2g  1  .3  Ԉ0    FjrmlaeftirlitiWhefurveittvtryggingaflagistarfsleyfiogYaWereinad;ttureWa wO  hlutdeildarflageignarhaldsflagsvtryggingasviWieWablandaWseignarhaldsflags B  fjrmlastarfsemi,Cfg݌     Ќ  "C"  Ch0 y 0y y e2g  2  .3  Ԉ0    FjrmlaeftirlitiWhefurveittvtryggingaflagistarfsleyfiogm;WurflagYesser   blandaWeignarhaldsflagvtryggingasviWieWablandaWeignarhaldsflagfjrmla {  starfsemimeWhfuWstWvarhrlandi,Chi݌nF   Ќ  "C"  C k0 y 0y y e2g  3  .3  Ԉ0    fleirieneitteignarhaldsflagvtryggingasviWieWablandaWeignarhaldsflagfjr 9 mlastarfsemisemhafahfuWstWvarmismunandiaWildarrkjumfarafyrirvtrygg  ingasamstWunniogYaWvtryggingaflagsamstWunnarsemermeWstrstaefna  hagsreikninginnhefurstarfsleyfifrFjrmlaeftirlitinu,C k7k݌r   Ќ  "C"  Cm0 y 0y y e2g  4  .3  Ԉ0    ekkertvtryggingaflagvtryggingasamstWunniermeWhfuWstWvarsamaaW e= ildarrkiogeignarhaldsflagiWvtryggingasviWieWablandaWaeignarhaldsflagiW 0 fjrmlastarfsemisemferfyrirsamstWunniogYaWvtryggingaflagvtrygg  ingasamstWunnarsemermeWstrstaefnahagsreikninginnhefurstarfsleyfifr  Fjrmlaeftirlitinu,Cmm݌i   Ќ  "C"  Cp0 y 0y y e2g  5  .3  Ԉ0    vtryggingasamstWanhefurekkim;WurflagenYaWvtryggingaflagsamstWunnar \4 semermeWstrstaefnahagsreikninginnhefurstarfsleyfifrFjrmlaeftirlitinu.Cpp݌'   Ќ   y ViWsrstakaraWstWurgeturFjrmlaeftirlitiW,efYaWereftirlitsstj;rnvaldsamstWu,  tekiWkvrWunmeWeftirlitsstj;rnvldumannarraaWildarrkjaaWbeiWniYeirraumaWvkja  frviWmiWum2.mgr.,efYaueigaekkiviWvegnauppbyggingarvtryggingasamstWuog `  mikilvgisvtryggingaflagannavegnastarfsemiYeirraWrumaWildarrkjum,ogtilnefnt S+! annaWeftirlitsstj;rnvaldsemeftirlitsstj;rnvald. "  y ViWkvrWunskv.3.mgr.skalFjrmlaeftirlitiWleitaallraleiWatilaWnsameiginlegri # kvrWunviWtilnefninguWrueftirlitsstj;rnvaldiinnanYriggjamnaWafrYvaWbeiWni  $ barst.WurenkvrWunertekinumannaWeftirlitsstj;rnvaldskalvtryggingasamstWaf !W% tkifritilaWtjsigumtilnefninguna.kvrWuninskalverarkstuddogskalFjrmlaeftir J""& litiWtilkynnavtryggingasamstWunniumkvrWunina. #'  y Efeftirlitsstj;rnvaldannars_aWildarrkis_ԀvsarmlitilEvr;pskuvtryggingaoglfeyris #( sj;WaeftirlitsstofnunarinnareWaEftirlitsstofnunarEFTAinnanYriggjamnaWafrestsskv.4. $ ) mgr.skalFjrmlaeftirlitiWfrestakvrWunskv.3.mgr.YartileftirlitsstofnuninhefurtekiW v%N!* kvrWunogskalYstaWfestaYkvrWun.kvrWuneftirlitsstofnunarinnarerbindandiog A&"+ skalFjrmlaeftirlitiW,efYaWereftirlitsstj;rnvaldsamstWu,kynnahanafyrirvtrygginga  '",  samstWunniogsamstarfsh;pieftirlitsstj;rnvalda. '#-  y & a  EkkierunntaWvsamlitilEvr;pskuvtryggingaoglfeyrissj;Waeftirlitsstofnunarinnar ( eWaEftirlitsstofnunarEFTAeftiraWYriggjamnaWafresturskv.5.mgr.erliWinneWaeftir  litsstj;rnvldhafatekiWkvrWun.'a(*z  Q|    Q|{  35.gr.Q|{{݌ T, Ќ   P    P'|  RttindiogskyldurFjrmlaeftirlitsinsefYaWereftirlitsstj;rnvaldsamstWu.P'|Q|݌  Ќ    y EfFjrmlaeftirlitiWereftirlitsstj;rnvaldsamstWuskalYaW:  / /"A0J"  A0J} y2g  a  .3  Ԉ0    samrmasfnunogmiWlungagnlegraeWanauWsynlegraupplUsingavegnasamfellds   rekstursogneyWarstands,YarmeWalmiWlunupplUsingasemskiptamlifyrirhlutverk  X eftirlitsstj;rnvalda,A0J}}݌K #    Ќ  "A0J"  A0J y2g  b  .3  Ԉ0    berabyrgWeftirlitsferlivtryggingasamstWuogmetafjrhagslegastWuhennar,A0J݌     Ќ  "A0J"  A0Jˀ y2g  c  .3  Ԉ0    metahvernigvtryggingasamstWauppfyllirkvWiumgjaldYol,samYjppunhttu    ogviWskiptiinnansamstWunnarskv.II.ogIII.kafla,A0Jˀ݌    Ќ  "A0J"  A0JV y2g  d  .3  Ԉ0    metastj;rnkerfivtryggingasamstWuskv.33.gr.oghvortstj;rnogforstj;rifullngi wO  krfum43.gr.lagaYessaraog41.gr.lagaumvtryggingastarfsemi,A0JV݌B    Ќ  "A0J"  A0J y2g  e  .3  Ԉ0    skipuleggjaogsamrmaeftirlitsstarfsemi,bWivegnasamfelldsrekstursogneyWar    stands,a.m.k.rlegameWhlutaWeigandieftirlitsstj;rnvldumfundum;takaskaltillit   tileWlis,umfangsogmargbreytileikahttunnarsemfylgirstarfsemiflaganna {  vtryggingasamstWu,A0J݌nF   Ќ  "A0J"  A0J4 y2g  f  .3  Ԉ0    sjumnnurverkefni,gerarWstafanirogtakakvarWanirsemFjrmlaeftirlitinuber 9 samkvmtlgumYessumoglgumumvtryggingastarfsemi,einkumaWleiWaferlipr;f  anaeiginlknumsamstWugrundvelliskv.21.og23.gr.ogferlivegnaheimildar  skv.26.!29.gr.A0J4a݌r   Ќ   y TilaWauWveldaeftirlitmeWvtryggingasamstWuskv.1.mgr.skalsetjaf;tsamstarfs e= h;peftirlitsstj;rnvaldaundirformennskuFjrmlaeftirlitsins. 0  y Samstarfsh;pureftirlitsstj;rnvaldaaWtryggjaaWsamvinna,upplUsingaskiptiogrWgjf  millieftirlitsstj;rnvaldasamstarfsh;pieftirlitsstj;rnvaldassamrmiviWlgYessitilaW  tryggjasamleitnikvrWunumYeirraogstarfsemi. i  y Starfsemisamstarfsh;pseftirlitsstj;rnvaldaerbyggWsamrmdufyrirkomulagimilli \4 hlutaWeigandieftirlitsstj;rnvalda.Komiuppgreiningurvegnaverkefnaskv.1.mgr.eWa ' samvinnueftirlitsstj;rnvaldageturFjrmlaeftirlitiWvsaWmlinutilEftirlitsstofnunarEFTA.  FjrmlaeftirlitiWskaltakakvrWunsamrmiviWkvrWuneftirlitsstofnunarinnarogsenda  hanatilhinnaeftirlitsstj;rnvaldanna. `   y AWilaraWsamstarfsh;pieftirlitsstj;rnvaldaerueftirlitsstj;rnvaldvtryggingasamstWu, S+! eftirlitsstj;rnvldYeirrarkjaYarsemd;tturflgvtryggingasamstWuhafahfuWstWvar " ogEvr;pskavtryggingaoglfeyrissj;WaeftirlitsstofnunineWaEftirlitsstofnunEFTAeftir # YvsemviW.  $  y Eftirlitsstj;rnvldmikilvgratibaogtengdraflagahafaheimildtilaWveraaWilaraW !W% samstarfsh;pieftirlitsstj;rnvaldaYegarYaWertaliWmikilvgtvegnaaWgengisaWupplUsing J""& um.HeimilteraWtakmarkaaWkomueinstakraeftirlitsstj;rnvaldaaWtilteknumverkefnumef #' YaWeykurskilvirknisamstarfsh;psins. #(  y FjrmlaeftirlitiWkveWurmeWhlutaWeigandieftirlitsstj;rnvldumsamrmtfyrirkomulag $ ) semstarfsemisamstarfsh;pseftirlitsstj;rnvaldabyggist. v%N!*  y WurenFjrmlaeftirlitiWtekurkvrWunsemeftirlitsstj;rnvaldsamstWuberYvaWtaka A&"+ tillittilrWleggingaEvr;pskuvtryggingaoglfeyrissj;Waeftirlitsstofnunarinnar.kvrW  '", uninskalrkstuddogberameWsrskUringarefekkierfariWaWrWleggingumeftirlitsstofn '#- unarinnar.kvrWuninaskalsendatilhinnaeftirlitsstj;rnvaldanna. (z$.  y 0fyrirkomulagiumsamstarfsh;peftirlitsstj;rnvaldaskv.4.mgr.skaltilgreinakvrW ( unarferlaskv.21.,_22._Ԁog34.gr.ogsamrWsfyrirkomulagogsamrWskv.5.mgr.8.gr.Fyrir  komulagiWmeinnighafaverkferlavegnasamrWsogsamvinnueftirlitsstj;rnvaldanna.   y XrttfyrirkvWi6.mgr.geturfyrirkomulagumsamstarfsh;peftirlitsstj;rnvaldafaliW a sraWverkefnumsthlutaWtilannarraeftirlitsstj;rnvalda,Evr;pskuvtryggingaoglf T, eyrissj;WaeftirlitsstofnunarinnareWaEftirlitsstofnunarEFTAeftirYvsemviWefYaWhefur  frmeWsrskilvirkaraeftirlitogskerWirekkieinstakareftirlitsaWgerWireftirlitsstj;rnvalda  samstarfsh;pieftirlitsstj;rnvalda.    y FjrmlaeftirlitiWskalsendaEvr;pskuvtryggingaoglfeyrissj;Waeftirlitsstofnuninni  X upplUsingarumstarfsemisamstarfsh;pseftirlitsstj;rnvaldaogerfiWleikasemuppgetakomiW K #  starfseminni.     y FjrmlaeftirlitiWseturreglurumstarfsemisamstarfsh;pseftirlitsstj;rnvaldasembyggjast    tknilegumframkvmdastWlumEvr;pskuvtryggingaoglfeyrissj;Waeftirlitsstofnunar   innartilaWtryggjaalmenntsamrmifyrirkomulagisamstarfsh;pseftirlitsstj;rnvaldasamt wO  reglumumsamhfingueftirlitsstj;rnvaldssamstWunnar. B  Q|    Q|9  36.gr.Q|9`݌   Ќ   P    P˚  SamvinnaogupplUsingaskipti.P˚݌ {  Ќ    y FjrmlaeftirlitiWskalvinnaniWmeWeftirlitsstj;rnvldumannarraaWildarrkjasam nF stWu,srstaklegaefumeraWrWafjrhagslegaerfiWleika.XaWskalveitaeftirlitsstj;rnvld 9 umannarraaWildarrkjaallarviWeigandiupplUsingartilaWtryggjaeftirlitsamkvmtlgum  Yessum.UpplUsingarskuluveittarntafar.   y EfFjrmlaeftirlitiWfrekkiupplUsingarinnantveggjaviknafreftirlitsstj;rnvldum r annarraaWildarrkjageturYaW;skaWaWstoWarEftirlitsstofnunarEFTA. e=  y FjrmlaeftirlitiWskalntafar;skaeftirfundimeWeftirlitsstj;rnvldumsamstWuef: 0 / /"A0J"  A0J y2g  a  .3  Ԉ0    YaWfrvitneskjuumaWverulegfrviksufrYvaWgjaldYolskrfueWakrfuumlg  marksfjrmagnsfullngthjeinstkumflgumvtryggingasamstWu,A0J'݌   Ќ  "A0J"  A0J y2g  b  .3  Ԉ0    YaWfrvitneskjuumaWverulegfrviksufrYvaWgjaldYolskrfuvtryggingasam i stWusfullngt;hWYvhvaWaaWferWernotuWviWmatiW,A0JΠ݌\4   Ќ  "A0J"  A0JS y2g  c  .3  Ԉ0    uppkomaaWrar;venjulegaraWstWur.A0JS݌'   Ќ  Q|    Q|a  37.gr.Q|a݌  Ќ   P    P  SamrW.P݌ `  Ќ    y FjrmlaeftirlitiWskalrWgastviWeftirlitsstj;rnvldannarraaWildarrkjavtrygginga S+! samstWuefkvrWunermikilvgvegnaeftirlitsYeirraWurenkvrWunertekinskv.35. " gr.vegna: # / /"A0J"  A0J y2g  a  .3  Ԉ0    breytingahluthafafyrirkomulagieWaframkvmdeWastj;rnunflagsinnanvtrygg  $ ingasamstWusemkrefstleyfisfrFjrmlaeftirlitinu,A0J݌!W%   Ќ  "A0J"  A0Jr y2g  b  .3  Ԉ0    kvrWunarumframlenginguendurreisnfjrhagsskv.3.og4.mgr.117.gr.lagaum J""& vtryggingastarfsemi,A0Jr݌#'   Ќ  "A0J"  A0JШ y2g  c  .3  Ԉ0    meirihttarviWurlagaeWasrstakrarWstafanaFjrmlaeftirlitsins,YarmeWalaWleggja #( viWb;targjaldYolskrfuogtakmarkanirvegnanotkunareiginlkani.A0JШ݌$ )   Ќ   y EfFjrmlaeftirlitiWerekkieftirlitsstj;rnvaldsamstWuskalYaWrWfrasigviWYaW v%N!* eftirlitsstj;rnvaldsemgegnirYvhlutverkivegnabogcliWar1.mgr.EfkvrWunFjrmla A&"+ eftirlitsinserbyggWupplUsingumfrWrueftirlitsstj;rnvaldiskalYaWrWfrasigviWYaW  '",  WurenkvrWunertekin. '#-  y &   XrttfyrirkvWi35.gr.geturFjrmlaeftirlitiWkveWiWaWrWfrasigekkiviWnnur ( eftirlitsstj;rnvldef'(lumneyWartilfellieraWrWaeWaslktsamrWmundidragarhrifum  kvrWunarinnar.0slkumtilfellumskalFjrmlaeftirlitiWntafartilkynnaviWkomandieftir  litsstj;rnvldumumkvrWunina. a Q|    Q|Y  38.gr.Q|Y݌  Ќ   P    P  BeiWniumupplUsingar.P݌  Ќ    y FjrmlaeftirlitiW,semeftirlitsstj;rnvaldsamstWu,geturboWiWeftirlitsstj;rnvaldiYarsem   m;WurflagiWhefurhfuWstWvaraW;skaeftirupplUsingumfyrirsigfrm;Wurflaginusem  X gtuskiptmlivegnakvWa35.gr. K #   y FjrmlaeftirlitiWskal;skaeftirupplUsingumfreftirlitsstj;rnvaldiefYaWeftirlitsstj;rn    valdhefurYegarfengiWupplUsingarskv.2.mgr.39.gr.    Q|    Q|  39.gr.Q|݌ wO  Ќ   P    Ps  AWganguraWupplUsingum.Ps݌ B  Ќ    y EinstaklingumoglgaWilumsemeruundirsamstWueftirlitiogtengdumflgumoghlut    eignarflgumYeirraerheimiltaWskiptastupplUsingumsemvarWasamstWueftirlitiW.    y kvWi31.gr.lagaumvtryggingastarfsemiumskilggnumgildaumvtrygginga {  samstWuaWbreyttubreytanda. nF  y FjrmlaeftirlitinuerheimiltaWveitaundanYgufrgagnaskilumsemeruoftarenrlega 9 efllvtryggingaflginnanvtryggingasamstWueruundanYeginYeimskv.31.gr.laga  umvtryggingastarfsemiogaWteknutillititileWlis,strWarogmargbreytileikastarfsemi  samstWunnar. r  y FjrmlaeftirlitinuerheimiltaWveitaundanYgufrrsfj;rWungslegumskilumlistayfir e= allareignirefllvtryggingaflginnanvtryggingasamstWueruundanYeginYeimskv.31. 0 gr.lagaumvtryggingastarfsemiogaWteknutillititileWlis,strWarogmargbreytileika  _starfsemi_ԀsamstWunnarogmarkmiWaYessaralagaumstWugleikavtryggingamarkaWi.   y FjrmlaeftirlitiWgetur;skaWeftirnauWsynlegumupplUsingumbeintfrflagivtrygg i ingasamstWuvegnasamstWueftirlitsefflaginnansamstWunnarhefurekkiveittupplUs \4 ingarnarinnantilskilinstmafrests. ' Q|    Q|  40.gr.Q|݌  Ќ   P    PP  UpplUsingarsannreyndar.PPz݌ `  Ќ    y FjrmlaeftirlitiWgetursannreyntupplUsingarsemerufengnarskv.39.gr.hjvtrygg S+! ingaflagihrlandiogtengdumflgumYess,m;Wurflagivtryggingaflagsinsogtengd " umflgumYess. #  y FjrmlaeftirlitiWskalsannreynaupplUsingarhjvtryggingaflagihrlandifyrireftir  $ litsstj;rnvldannarraaWildarrkjaefYau;skaeftirslku.FjrmlaeftirlitiWgetursannreynt !W% upplUsingarnarsjlfteWaheimilaWendurskoWandaeWasrfrWingiaWsannreynaYr.Einnig J""& geturYaWheimilaWviWkomandieftirlitsstj;rnvaldiaWsannreynaupplUsingarnar.Fjrmla #' eftirlitiWgeturalltaf;skaWeftirYvaWtakaYttaWsannreynaupplUsingarefYaWgerirYaW #( ekkisjlft.Eftirlitsstj;rnvaldisamstWuskaltilkynntumaWupplUsingarsusannreyndar. $ )  y EfFjrmlaeftirlitiWverWurekkiviWYvaWsannreynaupplUsingar,eWaYvtilvikiYegar v%N!* FjrmlaeftirlitiW;skareftiraWsannreynaupplUsingarhjeftirlitsstj;rnvaldiWru A&"+ aWildarrkiogekkierorWiWviWYvinnantveggjaviknaeWaekkierunntaWverWaviWYvaW  '", leyfaviWkomandieftirlitsstj;rnvaldieWaFjrmlaeftirlitinuaWtakaYttaWsannreyna '#- upplUsingarnar,erunntaW;skaeftiraWstoWEvr;pskuvtryggingaoglfeyrissj;Waeftirlits (z$. stofnunarinnarsemgeturtekiWYttathugunumeftveWafleirieftirlitsstj;rnvldfram ( kvmaYrsaman.  Q|    Q|  41.gr.Q|݌ a Ќ   P    P1  SkUrslaumgjaldYologfjrhagslegastWuvtryggingasamstWu.P1[݌ T, Ќ    y Hluteignarflag,eignarhaldsflagvtryggingasviWiogblandaWeignarhaldsflagfjr  mlastarfsemivtryggingasamstWuberbyrgWaWbirtarlegaopinberlegaskUrsluum  gjaldYologfjrhagslegastWusamstWugrundvelli.kvWi54.!57.gr.lagaumvtrygg   ingastarfsemiskulugildaaWbreyttubreytanda.  X  y Hluteignarflag,eignarhaldsflagvtryggingasviWieWablandaWeignarhaldsflagfjr K #  mlastarfsemivtryggingasamstWugetursamrWiviWFjrmlaeftirlitiWbirtskUrsluum    gjaldYologfjrhagslegastWufyrirallasamstWuna.UpplUsingarskuluYverasamstWu    grundvellisamrmiviW1.mgr.,verasrgreindarumeinstkd;tturflgsamstWunnarog   birtarskv.54.!57.gr.lagaumvtryggingastarfsemi. wO   y FjrmlaeftirlitiWskalhafasamrWviWnnureftirlitsstj;rnvldsamstarfsh;pieftirlits B  stj;rnvaldaWurenheimildskv.2.mgr.erveittogtakatillittilathugasemdaogskilyrWaaf    Yeirrahlfu.    y EfskUrslaerbirtfyrirallasamstWunaskv.2.mgr.oghninniheldurekkiupplUsingar {  umeinstkd;tturflgsemFjrmlaeftirlitiWfrhjsambrilegumflgumogverulega nF vantaruppupplUsingarnargeturFjrmlaeftirlitiWkrafiWviWkomandid;tturflgumnauW 9 synlegarviWb;tarupplUsingar.  Q|    Q|  42.gr.Q|݌ r Ќ   P    P  UppbyggingvtryggingasamstWu.P݌ e= Ќ    y Hluteignarflag,eignarhaldsflagvtryggingasviWiogblandaWeignarhaldsflagfjr 0 mlastarfsemivtryggingasamstWuberabyrgWaWbirtarlegaopinberlegaupplUsingar  umuppbyggingu,stj;rnarhttiogstj;rnkerfisamstWunnar.LUsaskalllumd;tturflgum,  mikilvgumtengdumflgumogmikilvgumtibumsemtilheyrasamstWunni. i Q|    Q|  43.gr.Q|:݌ ' Ќ   P    P  Stj;rnogforstj;ri.P݌  Ќ    y Stj;rnogforstj;rieignarhaldsflagavtryggingasviWiogblandaWraeignarhaldsflaga  fjrmlastarfsemiskuluuppfyllahfnisoghfiskrfur41.gr.lagaumvtryggingastarf `  semi. S+! Q|    Q|`  44.gr.Q|`݌ # Ќ   P    P  Krfurumrbtur.P݌  $ Ќ    y FullngivtryggingaflgsamstWuekkikrfumII.!IV.kafla,gjaldYolier;gnaWeWa !W% viWskiptiinnansamstWueWasamYjppunhttu;gnafjrhagsstWuvtryggingaflaganna J""& geturFjrmlaeftirlitiW,efYaWereftirlitsstj;rnvaldsamstWueWaeftirlitsstj;rnvaldvtrygg #' ingaflags,fariWframaWgripiWstilnauWsynlegrarb;taeinsflj;ttoghgter. #(  y EfFjrmlaeftirlitiWereftirlitsstj;rnvaldsamstWuenblandaWaeignarhaldsflagiWv $ ) tryggingasviWieWablandaWaeignarhaldsflagiWfjrmlastarfsemihefurhfuWstWvarWru v%N!* aWildarrkiskalYaWtilkynnaeftirlitsstj;rnvldumYessaWildarrkisumaWstWurskv.1.mgr. A&"+ svoaWYaWgetigripiWtilnauWsynlegraaWgerWa.FjrmlaeftirlitiWskalsamrmaeftirlits  '", aWgerWirsnarviWaWgerWirYesseftirlitsstj;rnvalds. '#-  (z$. V|    V|=  VI.KAFLIV|=d݌ ( Ќ   U     U  RkinnurenaWildarrki.U݌  Ќ    Q|    Q|  45.gr.Q|݌  Ќ   P    P  StaWfestingjafngildi.P;݌ a Ќ    y EfvtryggingaflagmeWstarfsleyfihrlandierhlutiafvtryggingasamstWuYarsem T, m;WurflagiWermeWhfuWstWvarutanaWildarrkisskalFjrmlaeftirlitiWsannreynahvort  vtryggingaflagiWerundireftirlitisemtelstjafngiltkvWumlagaYessarahvaWvarWareftir  litmeWsamstWumvtryggingaflagaskv.aogbliW1.mgr.3.gr.    y EfFjrmlaeftirlitiWereftirlitsstj;rnvaldsamstWuskv.2.mgr.34.gr.geturYaWaWbeiWni  X m;WurflagsinseWavtryggingaflagssemleyfihefurtilaWstarfaaWildarrkieWaaWeigin K #  frumkvWisannreynthvorteftirlitiWerjafngiltkvWumlagaYessara.     y ViWkvrWunumjafngildiskv.2.mgr.skalFjrmlaeftirlitiWhafasamrWviWnnur    eftirlitsstj;rnvldsemmliWvarWarWurenYaWtekurkvrWun.kveWinviWmiWsemrW   herraseturreglugerWskuluhfWtilhliWsj;narviWkvrWunina.FjrmlaeftirlitiWskalekki wO  takakvrWunumjafngildieftirlitsutanaWildarrkjasemerandstWuviWfyrrikvrWunum B  YaWrkinemaverulegarbreytingarhafiorWiWeftirlitiYvrki.     y Efeftirlitsstj;rnvldgreinirumkvrWunskv.2.mgr.erhgtaW;skaeftiraWstoWEvr   ;pskuvtryggingaoglfeyrissj;WaeftirlitsstofnunarinnareWaEftirlitsstofnunarEFTA,eftir {  YvsemviW,innanYriggjamnaWaeftiraWeftirlitsstj;rnvaldsamstWunnartilkynntium nF kvrWunsna. 9  y EfeftirlitrkistelsttmabundiWjafngiltgildir46.gr.X;skaleftirlitsstj;rnvaldsamstWu  verainnanaWildarrkjaefefnahagsreikningurvtryggingaflagssemstaWsetteraWildarrki  erstrrienefnahagsreikningurm;WurflagsinssemerutanaWildarrkja. r  y FjrmlaeftirlitiWskalbirtavefsWusinnilistayfirrkisemteljastjafngildsamkvmt e= YessukvWi. 0 Q|    Q|  46.gr.Q|݌  Ќ   P    P  Jafngildi.PC݌ i Ќ    y TeljisteftirlitutanaWildarrkjaverajafngilteftirlitisamkvmtlgumYessumskv.45.gr. \4 skaleftirlitmeWvtryggingasamstWuverahjeftirlitsstj;rnvaldiYessrkissamrmiviW ' V.kafla.   y kvWiV.kaflagildaumsamstarfFjrmlaeftirlitsinsviWeftirlitsstj;rnvldutanaWildar  rkja. `  Q|    Q|~  47.gr.Q|~݌ " Ќ   P    P  Eftirlitekkijafngilt.P:݌ # Ќ    y Hafivtryggingaflagekkijafngilteftirlitskv.45.gr.gildaannaWhvort8.!24.gr.og  $ 31.!44.gr.eWakvWi4.mgr. !W%  y AlmennarmeginreglurogaWferWirskv.II.!V.kaflaskulunotaWarvegnaeignarhaldsflaga J""& vtryggingasviWi,blandaWraeignarhaldsflagafjrmlastarfsemiogvtryggingaflaga #' utanaWildarrkja. #(  y ViWmatgjaldYolivtryggingasamstWuskallitiWm;WurflagiWeinsogvtrygg $ ) ingaflagsemskaluppfyllaskilyrWilagaumvtryggingastarfsemihvaWvarWarviWurkennda v%N!* gjaldYolsliWiaukgjaldYolskrfusemmetinerskv.16.gr.vegnaeignarhaldsflagsvtrygg A&"+ ingasviWieWablandaWseignarhaldsflagfjrmlastarfsemieWagjaldYolskrfusemmetiner  '",  skv.17.gr.vegnavtryggingaflagsutanaWildarrkja. '#-  y &   Fjrmlaeftirlitinuerheimilt,eftiraWhafarWfrtsigviWhlutaWeigandieftirlitsstj;rnvld, ( aWbeita'(WrumaWferWumsemtryggjaviWeigandieftirlitmeWvtryggingaflgumvtrygg  ingasamstWu.FjrmlaeftirlitiWgeturkrafistYessaWstofnaWseignarhaldsflagvtrygg  ingasviWieWablandaWeignarhaldsflagfjrmlastarfsemimeWhfuWstWvaraWildarrki. a FjrmlaeftirlitiWskaltilkynnaviWeigandieftirlitsstj;rnvldumumYaWferWsemYaWnotar. T, Q|    Q|  48.gr.Q|݌  Ќ   P    PI  M;WurflagutanaWildarrkjaersjlftd;tturflag.PIs݌   Ќ    y Efm;Wurflagskv.45.gr.ersjlftd;tturflageignarhaldsflagsvtryggingasviWieWa  X blandaWseignarhaldsflagsfjrmlastarfsemi,semermeWhfuWstWvarutanaWildarrkja K #  eWaerd;tturflagvtryggingaflagsutanaWildarrkja,skalFjrmlaeftirlitiWeingngusann    reynaaWendanlegtm;Wurflaghafijafngilteftirlit.EfeftirlitiWtelstekkijafngiltgeturFjr    mlaeftirlitiWkveWiWaWstaWfestingarferlifariframWrum;Wurflagisemerlgrasett   samstWunnihvortsemumeraWrWaeignarhaldsflagvtryggingasviWi,blandaWeignar wO  haldsflagfjrmlastarfsemieWavtryggingaflagutanaWildarrkja. B   y FjrmlaeftirlitiWskalrkstyWjakvrWunskv.1.mgr.     y kvWi47.gr.gildaeftirYvsemviW.   V|    V|E  VII.KAFLIV|El݌ nF Ќ   U     U  BlandaWeignarhaldsflagvtryggingasviWi.U݌ 9 Ќ    Q|    Q|  49.gr.Q|݌  Ќ   P    P/  ViWskiptiinnanvtryggingasamstWu.P/Y݌  Ќ    y FjrmlaeftirlitiWskalhafaeftirlitmeWviWskiptummillivtryggingaflagaogblandaWs r eignarhaldsflagsvtryggingasviWiogtengdraflagaYegarm;WurflageinseWafleiriv e= tryggingaflagaerblandaWeignarhaldsflagvtryggingasviWi. 0  y kvWi32.,36.!40.og44.gr.skulugildaaWbreyttubreytanda.  V|    V|  VIII.KAFLIV|݌ i Ќ   U     UN  ViWurlg.UNx݌ \4 Ќ    Q|    Q|  50.gr.Q|݌ ' Ќ   P    P}  Stj;rnvaldssektir.P}݌  Ќ    y FjrmlaeftirlitiWgeturlagtstj;rnvaldssektirhvernYannsembrUturgegn:  ! ! 4ABCD(%00*"A0J"  A0J? y2%  1  .3  Ԉ0    kvWi3.mgr.29.gr.ummiWlgahttustUringu.A0J?l݌`    Ќ  "A0J"  A0JX y2%  2  .3  Ԉ0    kvWum1.og2.mgr.32.gr.umeftirlitmeWviWskiptuminnanvtryggingasamstWu.A0JX݌S+!   Ќ  "A0J"  A0J y2%  3  .3  Ԉ0    kvWum4.og5.mgr.33.gr.umstj;rnkerfisamstWu.A0J݌"   Ќ  "A0J"  A0J y2%  4  .3  Ԉ0    kvWi1.mgr.41.gr.umbirtinguskUrsluumgjaldYologfjrhagslegastWu.A0J݌#   Ќ   y SektirsemlagWarerueinstaklingagetanumiWfr10Ys.kr.til20millj.kr.Sektirsem  $ lagWarerulgaWilagetanumiWfr100Ys.kr.til50millj.kr.ViWkvrWunsektaskalm.a. !W% tekiWtillittilalvarleikabrots,hvaWYaWhefurstaWiWlengi,samstarfsviljahinsbrotlegaaWila J""& oghvortumtrekaWbroteraWrWa.kvarWanirumstj;rnvaldssektirskuluteknarafstj;rn #' FjrmlaeftirlitsinsogeruYraWfararhfar.Sektirrennarkissj;WaWfrdregnumkostnaWi #( viWinnheimtuna.Sustj;rnvaldssektirekkigreiddarinnanmnaWarfrkvrWunFjrmla $ ) eftirlitsinsskalgreiWadrttarvextiaffjrhWsektarinnar.UmkvrWunogtreikningdrttar v%N!* vaxtafereftirlgumumvextiogverWtryggingu. A&"+  y Stj;rnvaldssektumverWurbeitt;hWYvhvortlgbroteruframinafsetningieWagleysi.  '",  y GeramlgaWilasektfyrirbrotlgumYessumogreglumsettumgrundvelliYeirra '#- ;hWYvhvortskverWisnnuWtiltekinnfyrirsvarsmannlgaWilans,starfsmannhanseWa (z$. annanaWilasemstarfarhansvegum.HafifyrirsvarsmaWurlgaWilans,starfsmaWurhanseWa ( annarhansvegummeWsaknmumhttibrotiWgegnlgumYessumeWareglumsettum  grundvelliYeirrastarfsemilgaWilansmgerahonumrefsingu,aukYessaWgeralgaWil  anumsekt. a Q|    Q|  51.gr.Q|݌  Ќ   P    P  Stt.P݌  Ќ    y HafiaWiligerstbrotlegurviWkvWilagaYessaraeWakvarWanirFjrmlaeftirlitsins   grundvelliYeirraerFjrmlaeftirlitinuheimiltaWljkamlinumeWsttmeWsamYykkimls  X aWila.StterbindandifyrirmlsaWilaYegarhannhefursamYykktogstaWfestefnihennarmeW K #  undirskriftsinni.FjrmlaeftirlitiWseturnnarireglurumframkvmdkvWisins.    Q|    Q|   52.gr.Q| B ݌   Ќ   P    P   Rttureinstaklinga.P  ݌ wO  Ќ    y 0mlisembeinistaWeinstaklingioglokiWgeturmeWlagningustj;rnvaldssektahefur B  maWur,semrkstuddurgrunurleikuraWhafigerstsekurumlgbrot,rtttilaWneitaaW    svaraspurningumeWaafhendaggneWamuninemahgtsaWtilokaaWYaWgetihaft   YUWingufyrirkvrWunumbrothans.FjrmlaeftirlitiWskalleiWbeinahinumgrunaWaum {  Yennanrtt. nF Q|    Q|s   53.gr.Q|s  ݌  Ќ   P    P  Fyrningstj;rnvaldssektar.P/݌  Ќ    y HeimildFjrmlaeftirlitsinstilaWleggjastj;rnvaldssektirsamkvmtlgumYessum r fellurniWurYegarfimmreruliWinfrYvaWhttsemilauk. e=  y Fresturskv.1.mgr.rofnarYegarFjrmlaeftirlitiWtilkynniraWilaumupphafranns;knar 0 meintubroti.RoffrestshefurrttarhrifgagnvartllumsemstaWiWhafaaWbroti.  V|    V|  IX.KAFLIV|݌ i Ќ   U     U!  ReglugerWir,innleiWingoggildistaka.U!K݌ \4 Ќ    Q|    Q|  54.gr.Q|݌ ' Ќ   P    Pp  ReglugerWir.Pp݌  Ќ    y RWherraseturreglugerWum:  ! ! *(g004ABCD"A0J"  A0J y2g  a  .3  Ԉ0    viWhvaWaaWstWursamstWueftirlitferframhrlandiskv.1.mgr.6.gr.oghvenr `  unnteraWgerasamstarfssamningskv.7.gr.,A0J"݌S+!   Ќ  "A0J"  A0J{ y2g  b  .3  Ԉ0    aWferWirtilaWmetagjaldYolsstWuvtryggingasamstWnaskv.10.!19.gr.ogfram " kvmdskv.20.!23.gr.,A0J{݌#   Ќ  "A0J"  A0J y2g  c  .3  Ԉ0    viWmiWummatYvhvortlggjfumgjaldYologgjaldYolskrfuutanaWildarrkja  $ jafngildiYvsemmlterfyrirumlgumumvtryggingastarfsemiskv.17.gr.,A0J݌!W%   Ќ  "A0J"  A0J y2g  d  .3  Ԉ0    viWmiWviWmatYvhvortskilyrWiskv.25.gr.suuppfyllt,A0J݌J""&   Ќ  "A0J"  A0J y2g  e  .3  Ԉ0    verklagfyrirFjrmlaeftirlitiWvegnaupplUsingaskiptaogframkvmdarskv.26.!29.gr.,A0J݌#'   Ќ  "A0J"  A0J y2g  f  .3  Ԉ0    viWmiWviWmatYvhvaWsneyWartilvikskv.3.mgr.28.gr.,A0J+݌#(   Ќ  "A0J"  A0J, y2g  g  .3  Ԉ0    verulegasamYjppunhttuskv.31.gr.,A0J,Y݌$ )   Ќ  "A0J"  A0J4 y2g  h  .3  Ԉ0    hvaWteljastumtalsverWviWskiptiinnanvtryggingasamstWuskv.32.gr.,A0J4a݌v%N!*   Ќ  "A0J"  A0Jf y2g  i  .3  Ԉ0    viWmiWskv.2.og3.mgr.34.gr.,A0Jf݌A&"+     "A0J "  A0Ju y2g  j  .3  Ԉ0    hvaWsumikilvgtibskv.6.mgr.35.gr.,A0Ju݌ '",   Ќ  "A0J "  A0J  y2g  k  .3  Ԉ0    & a  samvinnuogupplUsingaskiptimillieftirlitsstj;rnvaldaskv.36.gr.sembyggjasttkni ( legumframkvmdastWlumEvr;pskuvtryggingaoglfeyrissj;Waeftirlitsstofnunar  innar,'a(!A0J  ݌   Ќ  "A0J "  A0Jw" y2g  l  .3  Ԉ0    hvaWaupplUsingarYarfaWbirtaogverklagvegnasameiginlegrarskUrsluumgjaldYolog a fjrhagslegastWuskv.41.gr.,A0Jw""݌T,   Ќ  "A0J "  A0J# y2g  m  .3  Ԉ0    viWmiWvegnakvrWunarumjafngildiogskilyrWiYessaWrkifitmabundiWjafngilt  eftirlitskv.45.gr.A0J#!$݌   Ќ   y RWherragetursettreglugerWumaWgerWirFjrmlaeftirlitsinsskv.44.gr.   Q|    Q|%  55.gr.Q|%&݌ K #  Ќ   P    Pp&  InnleiWing.Pp&&݌    Ќ    y MeWhliWsj;nafkvrWunsameiginleguEESnefndarinnarnr.78/2011,fr1.jl2011,    sembirtvar6.okt;ber2011EESviWbtiviWStj;rnartWindiEvr;pusambandsinsnr.54,   erumeWlgumYessumtekinuppkvWitilskipunarEvr;puYingsinsogrWsins_2009/138/EB_ wO  umstofnunogreksturfyrirtkjasviWivtryggingaogendurtrygginga(GjaldYolstlunII). B  EinnigerutekinuppkvWitilskipunarEvr;puYingsinsogrWsins2014/51/ESBsembreytti    tilskipun2009/138/EB.   Q|    Q|)  56.gr.Q|))݌ nF Ќ   P    P^*  Gildistaka.P^**݌ 9 Ќ    y LgYessiWlastYegargildi.   y Eftirlitgeturtalistjafngiltskv.45.gr.tmabundiWtil31.desember2020.JafngildiWm  framlengjaumeittrefYaWernauWsynlegtvegnamatsjafngildinu. r @#`_____________ i @&&`X"X~SamYykktAlYingi1.jn2017.#~XX"x,#