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ViWtreikninghlfsellilfeyrisskallfeyrisYegihafaalmenntfrtekjumarksemnemur a 3.900.000kr.ri.XskallfeyrisYegihafasrstaktfrtekjumarkvegnaatvinnuteknasem T, nemur2.400.000kr.ri.    TekjurmakalfeyrisYegahafaekkihriftreikningfjrhWellilfeyris.X;skulufjr  magnstekjur,sbr.11.tlul.2.gr.,skiptasttilhelmingamillihj;naviWtreikninglfeyris.   SkiptirekkimlihvortYeirraereigandiYeirraeignasemmyndatekjurnareWahvortumsr  X eigneWahjskapareigneraWrWa. K #    Tryggingastofnunerheimilt,aW;sklfeyrisYega,aWdreifaeigintekjumlfeyrisYeganssem    stafaaffjrmagnstekjumsemleystarhafaveriWteinulagialltaW10r.Ekkierheimilt    aWdreifaslkumtekjumoftareneinusinnihverjutmabili.     h.(23.gr.) B  J    JG  ReglugerWarheimild.JGG݌    Ќ     RWherraerheimiltaWsetjareglugerWumnnariframkvmdYessakafla,m.a.umrtt   indavinnsluogbsetutma,sveigjanlegatkulfeyris,breytingarhlutfallivegnafrestaWrar {  eWaflUttrartkulfeyris,tekjugrunn,treikningogframkvmdgreiWslna. nF   i.(24.gr.)  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Ќ    Fullrttindivinnastnemitryggingatmabila.m.k.40almanaksrumfr16raaldritil " ellilfeyrisaldurs. #   SekkiumfullrttindiaWrWareiknastrorkulfeyrirhlutfalliviWunnintrygginga  $ tmabilumskjandafr16raaldriframtilYesstmaaW75%rorkumatliggurfyrirfyrsta !W% sinn.ViWtryggingatmabiliWskalbtatmabilinusemreiknastfrYeimtmasem75%r J""& orkumatliggurfyrirfyrstasinnogframtilellilfeyrisaldurs,sbr.Y;4.mgr.56.gr. #'   TekiWskaltillittiltryggingar,starfseWabsetutmabilasemlokiWersamkvmtlggjf #( annarssamningsrkis,aWYvmarkisemnauWsynlegterogsamrmiviWnnarikvWigagn $ ) kvmsmillirkjasamnings,sbr.59.gr.,endahafiumskjandiveriWtryggWursamkvmtlg v%N!* unuma.m.k.eittr. A&"+    '",   & a  j.(25.gr.) ( J    JV  rorkumat.JVV݌  Ќ     GreiWslur'a(uVԀrorkulfeyriserubundnarYvskilyrWiaWumskjendurhafiveriWmetnirtil  a.m.k.75%rorkutillangframavegnaafleiWingalknisfrWilegaviWurkenndrasjkd;ma a eWaftlunar. T,   TryggingastofnunmeturrorkuYeirrasemskjaumrorkulfeyrisamkvmtsrstkum  rorkustaWli.HeimilteraWsetjaYaWskilyrWiaWumskjandigangistundirsrhftmat  mguleikumtilendurhfingarogviWeigandiendurhfinguWurentilrorkumatskemur,   sbr.7.gr.lagaumflagslegaaWstoW,nr.99/2007.  X   TryggingastofnunerheimiltaWsemjaumkostnaWvegnamatsmguleikumtilendurhf K #  ingar.      TryggingastofnungefurtrorkuskrteinitilYeirrasemuppfyllaskilyrWi1.mgr.ogeru    jafnframtsjkratryggWirsamkvmtlgumumsjkratryggingar.     k.(26.gr.) B  J    J[  FjrhWrorkulfeyris.J[[݌    Ќ     Fullurrorkulfeyrirskalvera698.664kr.ri.FjrhWrorkulfeyrisskallkkaum9%   afeigintekjumlfeyrisYega,sbr.30.gr.,unsgreiWslurfallaniWur. {    FjrhWrorkulfeyrisskv.1.mgr.reiknastsamkvmtrttindahlutfallieinsogYaWer nF kvarWaWskv.24.gr. 9   l.(27.gr.)  J    J7^  rorkustyrkur.J7^a^݌ r Ќ     Veitaskaleinstaklingialdrinum18!62rarorkustyrkaWupphW516.492kr.rief e= rorkahansermetina.m.k.50%oghannuppfyllirskilyrWi24.gr.umtryggingavernd.Slkan 0 styrkskalennfremurveitaYeimsemuppfyllirskilyrWi1.mlsl.Yessararmlsgreinarog  stundarfulltstarfefrorkanhefurfrmeWsrveruleganaukakostnaW.    GreiWaskaleinstaklingisemnWhefur62raaldrioguppfyllirskilyrWi24.gr.umtrygg i ingaverndogermetinntila.m.k.50%rorkurorkustyrksemskalsvaratilfullsrorku \4 lfeyrisskv.26.gr. '   FjrhWrorkustyrksskallkkavegnateknasamkvmtsmureglumogrorkulfeyrir  skv.26.gr.ogumtekjurogframkvmdtekjutreikningsferskv.30.gr.    GreiWaskalviWb;tviWrorkustyrktilYeirrasemhafabrninnan18raframfrisnu. `  ViWb;tinskalnema75%afbarnalfeyri,sbr.40.gr.,fyrirhvertbarnframfri. S+!   m.(28.gr.) # J    Jc  Tekjutrygging.Jcc݌  $ Ќ     XeirsemfgreiddanrorkulfeyrisamkvmtlgumYessumeWaendurhfingarlfeyri !W% samkvmtlgumumflagslegaaWstoWskulutilviWb;tarfgreiddatekjutrygginguaWupp J""& fylltumWrumskilyrWumlaganna.UmkvrWunrttindahlutfallstekjutryggingarrorkuog #' endurhfingarlfeyrisYegaferskv.24.gr. #(   Tekjutryggingskv.1.mgr.skalnema2.237.328kr.ri.FjrhWtekjutryggingarskal $ ) lkkaum38,35%afeigintekjumgreiWsluYega,sbr.30.gr.,unsgreiWslurfallaniWur. v%N!*   SamanlgWlkkunrorkueWaendurhfingarlfeyrisogtekjutryggingarskalaldreifara A&"+ umfram38,35%aftekjumgreiWsluYega.KomisamtmistillkkunarYessaragreiWslnaskal  '", lfeyrirfyrstlkkaWurogsamsvarandidregiWrlkkuntekjutryggingar.kvWiYessarar '#- mlsgreinarumlkkungildaekkiumheimilisuppb;tskv.8.gr.lagaumflagslegaaWstoW, ( nr.99/2007.    SinnieinstaklingurekkilagaskylduumgreiWsluiWgjaldatillfeyrissj;Wssamkvmtlgum  umskyldutryggingulfeyrisrttindaogstarfsemilfeyrissj;WaerheimiltaWtlahonumtekj a ursemkomatilfrdrttargreiWslutekjutryggingar. T,   n.(29.gr.)  J    Jj  AldursviWb;t.Jjj݌   Ќ     AldursviWb;tgreiWistYeimsemfgreiddanrorkulfeyrisamkvmtYessumkafla.Aldurs  X viWb;tgreiWisteinnigYeimsemfgreiddanendurhfingarlfeyrisamkvmtlgumumf K #  lagslegaaWstoW.MnaWarlegfjrhWaldursviWb;tarskalverahlutfallaffullumrorkulfeyri    skv.26.gr.ogmiWastviWYannaldurYegareinstaklingurvarfyrstasinnmetinn75%ryrki    skv.1.og2.mgr.25.gr.eWauppfylltiskilyrWi7.gr.lagaumflagslegaaWstoW,sbr.eftirfar   andi: wO  *>ddd Xdd Xdd X??, , *+  :uu'B B  d:18tilogmeW24ra Cu2B uud dC100% ]uuJ2B 3  ud d]25ra Cu2  uud dC95% ]uuJ2  3  ud d]26ra Cu2 uud dC90% ]uuJ2 3  ud d]27ra Cu2{ uud dC85% ]uuJ2{ 3  ud d]28og29ra Cu2nFuud dC75% ]uuJ2nF3  ud d]30og31rs Cu29uud dC65% ]uuJ293  ud d]32og33ra Cu2uud dC55% ]uuJ23  ud d]34og35ra Cu2uud dC45% ]uuJ23  ud d]36og37ra Cu2ruud dC35% ]uuJ2r 3  ud d]38og39ra Cu2e=!uud dC25% ]uuJ2e="3  ud d]40tilogmeW45ra Cu20#uud dC15% ]uuJ20$3  ud d]46tilogmeW50ra Cu2%uud dC10% ]uuJ2&3  ud d]51tilogmeW55ra Cu2'uud dC7,5% ]uuJ2(3  ud d]56tilogmeW60ra Cu2i)uud dC5% ]uuJ2i*3  ud d]61tilogmeW66ra Cu2\4+uud dC2,5%B86\4,3   ud B  UmtreikningfjrhWaldursviWb;tarvegnateknaferskv.26.og30.gr.ogumkvrW ', unrttindahlutfallsferskv.24.gr. -   o.(30.gr.) `/ J    Jz  Tekjugrunnur.Jz>z݌ S+0 Ќ     TilteknasamkvmtYessumkaflateljasttekjurskv.II.kaflalagaumtekjuskatt,nr. 1 90/2003,aWteknutillititilkvWasmulagaumhvaWekkitelsttilteknaogfrdrttarliWa 2 skv.1.,3.,4.og5.tlul.AliWar1.mgr.30.gr.og31.gr.smulagaeWaundantekningaog  3 takmarkanasamkvmtWrumsrlgum.TilteknateljasteinnigtekjursemaflaWererlendis !W4 ogekkierutaldarframhrlandi. J""5   XrttfyrirkvWi1.mgr.skulueftirfaranditekjurekkiteljasttiltekna: #6 ! ! _ikmo(%00"i0J"  i0J}2%  1  .3  Ԉ0    GreiWslursamkvmtlgumYessumoglgumumflagslegaaWstoW.i0J}~݌#7 Ќ  "i0J"  i0J 2%  2  .3  Ԉ0    FjrhagsaWstoWsveitarflaga.i0J 8݌$ 8 Ќ  "i0J"  i0J 2%  3  .3  Ԉ0    GreiWslurrskyldubundnumatvinnutengdumlfeyrissj;WumYegarumeraWrWar v%N!9  orkulfeyri.i0J 8݌A&": Ќ  "i0J"  i0Jw2%  4  .3  Ԉ0    & a  GreiWslurrviWb;tarlfeyrissparnaWiogviWb;tartryggingaverndsamkvmtlgumum ( skyldutryggingulfeyrisrttindaogstarfsemilfeyrissj;WaYegarumeraWrWarorku  lfeyri.'a(Ԁi0Jw݌ Ќ  "i0J"  i0Jy2%  5  .3  Ԉ0    GreiWslurrviWb;tarlfeyrissparnaWiYegarumeraWrWatekjutryggingu.i0Jy݌a Ќ  "i0J"  i0J2%  6  .3  Ԉ0    Lfeyriralmannatryggingafrrkjumsem0slandhefurgertsamningaviW,samrmiviW T, nnarikvWisamninganna,sbr.58.,59.og64.gr.i0J݌ Ќ    Fjrmagnstekjur,sbr.11.tlul.2.gr.,uppaW98.640kr.riskuluekkiteljasttiltekna  viWtreikninggreiWslumsamkvmtYessumkafla.     ViWtreikningrorkulfeyrisskalgreiWsluYegihafaalmenntfrtekjumarksemnemur  X 2.575.220kr.ri. K #    ViWtreikningtekjutryggingarskalgreiWsluYegihafasrstaktfrtekjumarkvegnaatvinnu    teknasemnemur300.000kr.ri.XskalgreiWsluYegihafasrstaktfrtekjumarkvegna    greiWslnarskyldubundnumatvinnutengdumlfeyrissj;Wumsemnemur328.800kr.ri.     TekjurmakagreiWsluYegahafaekkihriftreikninggreiWslna.X;skulufjrmagnstekjur wO  skiptasttilhelmingamillihj;naviWtreikninggreiWslna.Skiptirekkimlihvorthj;nanna B  ereigandiYeirraeignasemmyndatekjurnareWahvortumsreigneWahjskapareigneraW    rWa.     ViWtreikningrorkulfeyrisogtekjutryggingarerrWherraheimiltaWhkkatekjugrunn {  YeirralfeyrisYegasemfengiWhafaeingreiWsluskaWab;tavegnarorkuaWfrdregnumtl nF uWumrorkulfeyriogtekjutryggingutilframtWarfrTryggingastofnun. 9   Tryggingastofnunerheimilt,aW;sklfeyrisYega,aWdreifaeigintekjumlfeyrisYeganssem  stafaaffjrmagnstekjumsemleystarhafaveriWteinulagialltaW10r.Ekkierheimilt  aWdreifaslkumtekjumoftareneinusinnihverjuturatmabili. r   p.(31.gr.) 0 J    J  ReglugerWarheimild.J݌  Ќ     HeimilteraWsetjareglugerWumnnariframkvmdYessakafla,m.a.umrorkumat,  tekjugrunn,treikningogkvrWungreiWslna. i   q.(32.gr.) ' J    JO  UpphafoglokgreiWslurttaroggreiWslufyrirkomulag.JOy݌  Ќ     RtturtilgreiWslnasamkvmtlgumYessumstofnastfrogmeWYeimdegierumskjandi  telstuppfyllaskilyrWitilgreiWslnaogskulugreiWslurreiknaWarfrfyrstadeginstamnaWar `  eftiraWgreiWslurtturerfyrirhendi.GreiWslurfallaniWurlokYessmnaWarergreiWslurtti S+! lUkur. "   GreiWslurskuluinntarafhendifyrirframfyrstadaghversmnaWar.GreiWslursamkvmt # lgumYessumskulugreiddarinnreikninghjviWskiptabnkumeWasparisj;Wumeigu  $ greiWsluYegaeWaumboWsmannsdnarbs. !W%   Heimilter,aW;skumskjandaeWagreiWsluYega,aWfrestagreiWslumoginnagreiWsluaf J""& hendieinulagieftiraWendanlegarupplUsingarumtekjurumskjandaeWagreiWsluYega #' rinuliggjafyrirviWlagninguskattyfirvaldaopinberumgjldum. #(   GreiWslurskulualdreikvarWaWarlengraafturtmannentvrfrYvaWTrygginga $ ) stofnunberstums;knognnurggnsemnauWsynlegerutilaWunntsaWtakakvrWunum v%N!* rtttilgreiWslnaogfjrhWYeirra,sbr.Y;4.mgr.42.gr. A&"+    '",   & a  r.(33.gr.) ( J    J>  Btreikningurogendurreikningur.J>h݌  Ќ     Til'a(ԀgrundvallartreikningigreiWslnahversmnaWarskalleggja1/12aftluWumtekjum  almanaksrs.tlunumtekjuupplUsingarskalbyggjastnUjustuupplUsingumfrYeimaWil a umsemgetiWerum47.og48.gr.EfumnUjaums;kneraWrWaskulutekjurtlaWar T, grundvelliupplUsingafrYeimaWilumsemgetiWerum47.og48.gr.ogrtturtilgreiWslna  reiknaWurtfrYeimtekjumumskjandaogeftiratvikummakahanssemaflaWerfrYeim  tmasemgreiWslurtturstofnaWist.     TryggingastofnunskalupplUsaumskjandaeWagreiWsluYegaumforsendurtreiknings  X greiWslnaoggefahonumkostaWkomaaWathugasemdum.Xskalstofnuninhafaeftirlit K #  meWYvaWtlaWartekjursusamrmiviWupplUsingarsemhnaflarrstaWgreiWsluskr    skattyfirvaldaeWafrWrumYeimaWilumsemgetiWerum48.gr.      EftiraWendanlegarupplUsingarumtekjurgreiWslursinsliggjafyrirviWlagninguskatt   yfirvaldaopinberumgjldumskalTryggingastofnunendurreiknafjrhWirgreiWslna wO  grundvelliteknasamkvmtYessarigrein.ViWYannendurreikningerTryggingastofnunheim B  iltaWtakatillittilalmennrabreytingalaunumfrYeimtmasemtlaWartekjurtilheyratil    YesstmasemendanlegartekjurvarWa.     Komilj;sviWendurreikningskv.3.mgr.aWumofeWavangreiWsluhafiveriWaWrWa {  ferumYaWskv.34.gr. nF   XrttfyrirkvWi1.mgr.erviWtreikninggreiWslumskv.III.ogIV.kaflalagaYessara, 9 sbr.einnig13.gr.lagaumflagslegaaWstoW,nr.99/2007,heimiltaWteljaatvinnutekjurtil  teknagreiWsluYegaeinungisYeimmnuWiYegarYeirraeraflaW.SkalTryggingastofnunviW  endurreikninggreiWslna,sbr.3.mgr.,gerasamanburWtreikningiheildargreiWslnahvers r mnaWar,annarsvegarmiWaWviWxPe=1e=xP/R*e=12e=R*afatvinnutekjumrsinsoghinsvegarmiWaWviWat e= vinnutekjurYeimmnuWumsemYeirraeraflaW.BeitaskalYeirrireglusemleiWirtilhrri 0 greiWslna.    s.(34.gr.) i J    J  OfgreiWslaogvangreiWsla.Jޢ݌ \4 Ќ     HafiTryggingastofnunofgreittbturtilgreiWsluYegasamkvmtlgumYessumskal ' stofnunindragaofgreiddarbturfrb;tumsemgreiWsluYegisWarkannaWWlastrtttil,sbr.  Y;2.mgr.EinnigTryggingastofnunendurkrfurtthendurgreiWsluYegaeWadnarbi  hanssamkvmtalmennumreglum. `    HafitekjutengdargreiWslurveriWofgreiddarskalYaWsemofgreittvardregiWfrWrum S+! tekjutengdumgreiWslumsemgreiWsluYegisWarWlastrtttil.XettaviWeftekjurrs " grundvellieruhrrienlagtvartilgrundvallarviWtreikninggreiWslnaogofgreiWslastafar # afYvaWgreiWsluYegihefurekkitilkynntTryggingastofnunumtekjuaukninguna.XYetta  $ einnigviWefgreiWsluYegihefurekkitilkynntstofnuninniumaWrarbreyttaraWstWursem !W% leiddutilofgreiWslunnar,sbr.47.gr. J""&   OfgreiddarbturskalaWjafnaWidragafrgreiWslumtilgreiWsluYeganstu12mnuWum #' eftiraWkrafastofnast.EkkierheimiltaWdragafrb;tummeiraen20%afmnaWarlegum #( greiWslumtilgreiWsluYega,nemasamiWsumannaW,Y;aldreilgrifjrhWen3.000kr., $ ) unsofgreiWslaerendurgreiddaWfullu.Hafiendurkrafavegnaofgreiddrab;taekkiveriW v%N!* greidd12mnuWumfrYvaWkrafastofnaWistskalgreiWaeftirstWvarkrfunnarsamt A&"+  vxtum.HeimilteraWfallafrkrfuumvextiefsrstakarstWurerufyrirhendieWaef  '", samningur&   umendurgreiWsluliggurfyrirogviWkomandistendurviWgreiWsluskyldusna ( samkvmt'(samningnum.    EfumvangreiWslub;taeraWrWaskalgreiWsluYegaeWadnarbihansgreittYaWsemupp  vantar.GreiWaskalvextiYfjrhWsemvangreiddvarogskuluYeirreiknastfrYeim a degisemskilyrWitilgreiWslnaeruuppfyllt,sbr.Y;32.gr.SamaviWYegarniWurstaWar T, skurWarnefndarvelferWarmla,sbr.13.gr.,leiWirtilYessaWeinstaklingurrttb;tumen  hafWifengiWsynjuneWalgrigreiWslurhjTryggingastofnun,sbr.Y;32.gr.EfvangreiWsla  stafarafskortiupplUsingum,sbr.49.gr.,fallavextirniWur.     VextirsamkvmtkvWiYessuskuluverajafnhirvxtumsemSeWlabanki0slandskveW  X urogbirtirhverjumtmaskv.1.mgr.8.gr.lagaumvextiogverWtryggingu,nr.38/2001. K #    kvarWanirTryggingastofnunarumendurkrfuofgreiddrab;tasamkvmtkvWiYessu    eruaWfararhfar,sbr.Y;13.gr.      t.(35.gr.) wO  J    J  VanrkslagreiWsluYega.Jİ݌ B  Ќ     GreiWslur,semtlaWarerugreiWsluYegasjlfum,greiWastekkiefhlutaWeigandivanrkir    aWfaraaWlknisrWumeWaneitaraWhltafyrirmlumumYtttkuYjlfuneWastarfsnmi   sembttgtiafkomuhanseWabiWhannundirnUttstarf. {    u.(36.gr.) 9 J    J߲  GreiWslurtilYriWjaaWila.J߲ ݌  Ќ     EftalinerhttaaWgreiWslursemtlaWarerugreiWsluYegaeWaframfrandatilfram  frslusunotaWarYannhttaWeigisamrUmisttilgangilagaYessaraerheimilt,efsrstakar r aWstWurerufyrirhendi,aWgreiWaYreWahlutaYeirraWrumengreiWsluYegaeWaframfr e= anda.SlkarkvarWanirskuluvalltveratmabundnarogteknarsamrWiviWflagsYj;nustu 0 hlutaWeigandisveitarflagseWabarnaverndarYj;nustuefumeraWrWagreiWslurvegnafram  frslubarna.    v.(37.gr.) \4 J    J  RttarstaWasambUlisf;lks.J݌ ' Ќ     Einstaklingarsemeru;vgWrisambWnj;tasmurttindaogberasmuskylduroghj;n  samkvmtlgumYessum.UmfjrmagnstekjursambUlisf;lksferskv.22.og30.gr.    SameiginlegtlgheimilieWasambWeftirWrum;tvrWumggnumlengureneittrskal `  lgWaWjfnuviWskrningusambWarYj;Wskr. S+!   w.(38.gr.) # J    JA  DvlsjkrahsieWastofnun.JAk݌  $ Ќ     DveljilfeyrisYegilengurenmnuWsamfelltsjkrahsisemerfstumfjrlgumfalla !W% greiWslurtilhansniWurefdvlinhefurvaraWlengurensexmnuWiundanfarnat;lfmnuWi. J""& Eflj;sterfrupphafiaWumvaranlegadvlhjkrunarheimilieWahjkrunarrUmildrunar #' stofnunareraWrWafallagreiWslurniWurfrfyrstadeginstamnaWareftirupphafdvalar. #( HeimilterY;aWvkjafrtmamrkumYessararmlsgreinarefsrstaklegastendurogskal $ ) viWmatframlengingugreiWslumhfWhliWsj;naftekjumgreiWsluYega. v%N!*   Sjkrahsogstofnanirskv.1.mgr.skulusendaTryggingastofnunmnaWarlegaupplUsing A&"+  arumdvl.  '",   &   XegargreiWslurfallaniWurskv.1.mgr.erheimiltaWgreiWalfeyrisYegasemdvelst ( sjkrahsi'(ԀeWastofnunfyriraldraWahrlandirWstfunarfalltaW1.108.872kr.ri.ViW  treikningfjrhWrWstfunarfjrskulutekjurlkkarWstfunarfum65%unsgreiWslur  fallaniWur.UmmeWferWteknasamkvmtYessukvWiferskv.22.gr. a   DveljistlfeyrisYegiutanstofnunarnokkradagasennentskrifastsamtekkierheimilt T, aWgreiWahonumdagpeningasemnema4.488kr.dagYanntma.    x.(39.gr.)   J    J  Fangelsisvist.J݌  X Ќ     AfplnilfeyrisYegirefsingufangelsieWakomisrviljandiundanYvaWafplnarefsingu K #  skuluallargreiWslurtilhansfallaniWur,sbr.32.gr.StilfeyrisYegigsluvarWhaldieWas    hannannanhttrskurWaWurtildvalarstofnunskuluallargreiWslurtilhansfallaniWur    eftirfjgurramnaWasamfelltgsluvarWhaldeWadvl.XegargreiWslurhafaveriWfelldarniW   urerheimiltaWgreiWarWstfunarfsamrmiviW3.mgr.38.gr.VerWilfeyrisYegiekki wO  dmdurtilfangelsisvistarkjlfargsluvarWhaldsskulugreiWslurtilhansgreiddarfyrirYaW B  tmabilYegargsluvarWhaldsvistst;Wyfir.      TryggingastofnungeturY;kveWiWaWgreiWslurnar,eWahlutiafYeim,rennitilmakahans   ogbarnaeWaeinhversYriWjaaWilasemsrumaWgreiWslurnarkomiYeimaWsemmestugagni. {    y.(40.gr.) 9 J    J  Barnalfeyrir.J&݌  Ќ     BarnalfeyrirergreiddurmeWbrnumyngrien18ra,efannaWhvortforeldraerltiWeWa  errorkulfeyrisYegi,hafiannaWhvortforeldraYesseWabarniWsjlftbiWhrlandia.m.k. r YrjsWusturinWurenums;knerlgWfram.SubWirforeldrarltnireWarorkulfeyris e= Yegarskalgreiddurtvfaldurbarnalfeyrir.kvWilagaYessaraumlkkunb;tavegnatekna 0 hafaekkihrifrtttilgreiWslubarnalfeyris.    SmurttarstWuhafastjpbrnogkjrbrnYegareinsstendur.X;skalekkigreiddur  barnalfeyrirvegnafrfallseWarorkustjpforeldrisefbarniWframfrsluskyltforeldri i lfi. \4   TryggingastofnungeturkveWiWaWgreiWabarnalfeyrimeWbarniellilfeyrisYega,svoog ' meWbarnieinstaklingssemstirgsluvisteWaafplnarrefsingufangelsi,endahafivistin  varaWa.m.k.YrjmnuWi.    TryggingastofnunskalgreiWabarnalfeyriYegarskilrkiliggjafyrirumaWbarnverWiekki `  feWraWeWam;WurnUturekkiviWvegnasrstakraeWa;venjulegraaWstWna. S+!   BarnalfeyrirgreiWistforeldrumbarnanna,endasuYauframfriYeirra,eWaYeimWrum " erannastframfrsluYeirraaWfullu,sbr.Y;4.mgr.43.gr. #   rlegurbarnalfeyrirmeWhverjubarniskalvera511.608kr.  $   z.(41.gr.) J""& J    J  Barnalfeyrirvegnasrstakratgjalda.J݌ #' Ќ     TryggingastofnungeturgreittsrstaktframlagvegnatgjaldaviWskrnbarns,fermingu, #( gleraugnakaup,tannrttingar,vegnasjkd;ms,greftrunareWaafWrusrstkutilefni. $ )   Framlagskv.1.mgr.ereinungisheimiltaWgreiWavegnabarnasemgreiddurerbarna v%N!* lfeyrirmeWskv.40.gr.ogannaWhvortforeldraerltiW,barn;feWraWeWam;WurnUturekki A&"+  viWvegnasrstakraeWa;venjulegraaWstWna.  '",   &   Framlagskv.1.mgr.verWuraWeinskveWiWefsUslumaWurhefurrskurWaWumslktfram ( lagsamkvmt'(ԀbeiWnisemhonumskalsendinnanYriggjamnaWafrYvaWsvaravarWtilt  gjaldanemaeWlilegstWahafiveriWtilaWbWameWslkakrfu.    UmviWmiWunarfjrhWirvegnakrafnaumsrstkframlggildasmureglurogumr a skurWivegnasrstakratgjaldaskv.60.gr.barnalaga,nr.76/2003. T,   Y.(42.gr.)  J    J  MeWlag.J݌   Ќ     HverssemfrrskurWstj;rnvaldsummeWlagmeWbarnisemhannhefurframfri  X snu,eWaumaWrargreiWslurskv.IX.kaflabarnalaga,nr.76/2003,getursniWsrtilTrygg K #  ingastofnunarogfengiWfyrirframgreiWslumeWlagseWaannarraframfrsluframlagasam    kvmtrskurWinum.SamaskalgildaYegarlagterframstaWfestsamkomulagummeWlags    greiWslurogaWrargreiWslurskv.IX.kaflabarnalaga.FyrirframgreiWslameWlagsfrTrygg   ingastofnunskalnemasmufjrhWogbarnalfeyrirskv.40.gr.ogverainnanYeirramarka wO  semYarerkveWiWumaldurbarna. B    samahttskalm;Wirfsamkvmtstj;rnvaldsrskurWieWastaWfestusamkomulagigreitt    hjTryggingastofnun:   / /"i0J"  i0J*2%  1  .3  Ԉ0    FramfrslulfeyrialltaWYrjmnuWiskv.1.mgr.25.gr.barnalaga.i0J*W݌{  Ќ  "i0J"  i0JW2%  2  .3  Ԉ0    HjkrunarogframfrslustyrkalltaWnumnuWiskv.2.mgr.25.gr.barnalaga.i0JW݌nF Ќ  "i0J"  i0J2%  3  .3  Ԉ0    KostnaWvegnameWgnguogfWingarskv.1.mgr.26.gr.barnalaga.i0J݌9 Ќ    XegareftiraWsUslumaWurhefurveittviWtku;skfrm;WurumaWaflaWverWifaWernis  viWurkenningarhjlUstumbarnsfWurgeturhnfengiWmeWlaggreittmeWbarninuinnan  Yeirramarkasem40.gr.setur. r   TryggingastofnunerheimiltaWgreiWameWlagafturtmannalltaW12mnuWi,taliWfr e= byrjunYessmnaWarsemstj;rnvaldsrskurWur,staWfestursamningureWavottorWsUslumanns 0 umaWhannhafiveittviWtku;skm;WurumflunfaWernisviWurkenningarberststofnuninni,  endaeigiY4.mgr.40.gr.ekkiviW.    XeirsemannastframfrslubarnsaWforeldriltnueWaafWrumlgmtumstWum,Yar i meWtaliWhlutaWeigandisveitarflaghafiYaWgreittftilframfrslubarns,eigasamarttog \4 foreldrieftirYvsemviWgeturtt. '   .(43.gr.)  J    JU  TilkynningtilInnheimtustofnunarsveitarflaga.JU݌ `  Ќ     TryggingastofnunskalsendaInnheimtustofnunsveitarflagainnaneinsmnaWartilkynn S+! inguumfyrstugreiWsluskv.42.gr.TilkynningunniskalfylgjaafritafyfirvaldsrskurWieWa " staWfestumsamningi. #   InnheimtustofnunsveitarflagaendurgreiWirTryggingastofnungreiWslurskv.1.!3.mgr.  $ 42.gr.mnaWarlegaeftirYvseminnheimtist.Umskilvegna;innheimtraskuldafereftir !W% kvWumlagaumInnheimtustofnunsveitarflaga. J""&   Rkissj;WurendurgreiWirTryggingastofnunmeWlgvegnabarnsfeWrasemframfrslurtt #' eigaerlendis,svoogmeWlggreiddskv.4.mgr.42.gr.YartilmeWlagsrskurWurliggurfyrir. #(   XegarsvohttartilaWTryggingastofnunhefurmillignguummeWlagsgreiWslurmeWbarni $ ) skv.1.mgr.42.gr.oghiWmeWlagsskyldaforeldriWlastrtttilbarnalfeyrisskv.40.gr. v%N!* vegnabarnsinserstofnuninniY;heimiltaWltagreiWslubarnalfeyrisgangatilfyrirfram A&"+ greiWslumeWlagsvegnasamatmabils.VerWurYekkiumkrfuhendurmeWlagsskyldum  '", aWilaaWrWafyrirYaWtmabil. '#- Ї  .(44.gr.) ( J    J  ReglugerWarheimild.J݌  Ќ     HeimilteraWsetjareglugerWumnnariframkvmdYessakafla,m.a.umendurreikning  oguppgjrtekjutengdragreiWslna,fyrirkomulaginnheimtuofgreiWslna,hrifdvalarsjkra a hsieWastofnungreiWslur,umfyrirframgreiWslumeWlagsYegarforeldrieWabrnerubsett T, erlendisogumhmarksgreiWslursemTryggingastofnuninnirafhendi.  K|    K|d  8.gr.K|d݌   Ќ     EftirfarandibreytingarverWaV.kaflalaganna:  X ! ! (g00_ikmo"i0J"  i0J2g  a  .3  Ԉ0    37.!44.gr.flytjast,samtfyrirsgnum,ogverWa45.!52.gr.i0J݌K #  Ќ  "i0J"  i0J2g  b  .3  Ԉ0    MillifyrirsagnirnarA.LeiWbeiningarogranns;knarskylda,B.UpplUsingaskyldaog    eftirlitsheimildirogC.Verndpers;nuupplUsingafallabrott.i0J<݌   Ќ  K|    K|  9.gr.K|݌ wO  Ќ     EftirfarandibreytingarverWa45.gr.laganna: B  ! !"i0J"  i0J2g  a  .3  Ԉ0    0staWtilvsunarinnar?43.gr. 2.mlsl.1.mgr.kemur:51.gr.i0J݌   Ќ  "i0J"  i0J2g  b  .3  Ԉ0    0staWtilvsunarinnar?55.gr. 2.mlsl.3.mgr.kemur:34.gr.i0J݌  Ќ  "i0J"  i0J2g  c  .3  Ԉ0    45.gr.flystogverWur53.gr.i0J>݌{  Ќ  K|    K|  10.gr.K|8݌ 9 Ќ     46.gr.lagannaflyst,samtfyrirsgn,ogverWur54.gr.  K|    K|  11.gr.K|(݌ r Ќ     47.gr.lagannaflyst,samtfyrirsgn,ogverWur14.gr. e= K|    K|  12.gr.K|݌  Ќ     VI.kaflilaganna,semhefurfyrirsgnina AlmennkvWi, orWastsvo:    a.(55.gr.) \4 J    J"  Ums;knir.J"L݌ ' Ќ     SkjaskalumallargreiWslursamkvmtlgumYessum.X;YurfaYeirsemfgreiddanr  orkulfeyriekkiaWskjasrstaklegaumellilfeyriskv.16.gr.YegarYeirnellilfeyrisaldri.    Ums;knirskuluveraeyWublWumTryggingastofnunareWasendarmeWrafrnumhtti `  semstofnunintelurfullngjandi.ViWafgreiWsluums;knarskalYessgttaWllnauWsynleg S+! ggnogupplUsingarliggifyrir,sbr.46.gr.,svounntsaWtakakvrWunumrtttilgreiWslna " ogfjrhWYeirra.SrstaklegaskalYessgttaWumskjandi,semunniWhefursrrtthj # skyldubundnumatvinnutengdumlfeyrissj;Wum,hafilagtframums;knumunninrttindi  $ hjviWkomandilfeyrissj;WumogerTryggingastofnunheimiltaWfrestakvrWunoggreiWslu !W% YartilupplUsingarumYaWliggjafyrir,sbr.49.gr. J""&   ViWmeWferWmlsogafgreiWsluums;knarerTryggingastofnunheimiltaWaflaupplUsinga #' frYeimaWilumsemtilgreindireru51.gr.semogskv.4.mgr.53.gr.semnauWsynlegareru #( tilaWunntsaWtakakvrWunumrtttilgreiWslnaogfjrhWYeirra.SamaviWumnauW $ ) synlegarupplUsingarhjstofnunumerlendisYegarYaWviW. v%N!*   TryggingastofnungeturaflaWupplUsingaskv.3.mgr.rafrnteWaannanhtt.Tryggja A&"+ skalaWupplUsingaflunogrvinnslagangiekkilengraenYrfkrefurtilaWunntsaWfram  '", kvmalgin. '#- Ї  b.(56.gr.) ( J    JX  SamspilgreiWslna.JX݌  Ќ     EnginngetursamtmisnotiWfleirieneinnartegundargreiWslnasamkvmtlgumYessum  vegnasamaatvikseWafyrirsamatmabilnemaannaWsYarsrstaklegatekiWfram.X;getur a lfeyrisYegisamhliWalfeyrisgreiWslumnotiWgreiWslnaogstyrkjasemertlaWaWmtat T, lgWumkostnaWivegnasamaatviks.    EigigreiWsluYegirttfleiritegundumgreiWslnaeneinnisamkvmtlgumYessumsem  ekkigetafariWsamanskalgreiWahonumhrrieWahstugreiWslurnar.     Nj;tieinstaklingurb;tasamkvmtWrumlgumfyrirsamatmabilogbturerugreiddar  X samkvmtYessumlgumskuluYrteljasttilteknaviWtreikningtekjutengdragreiWslna K #  samkvmtnnarikvWumlagaYessara.XettaeinnigviWumbtursamkvmterlendri    lggjfeftirYvsemviWgeturtt.      HafigagnkvmurmillirkjasamningurveriWgerWurviWrkiWsemgreiWirbturnarferum   samspilb;taeftirkvWumsamningsins. wO    c.(57.gr.)    J    JM  BannviWframsaliogveWsetningukrafna.JMw݌   Ќ     :heimilteraWframseljaeWaveWsetjakrfurumgreiWslursamkvmtlgumYessumog {  hvorkimkyrrsetjaYrngeraYeimfjrnmeWahaldaYeimtilgreiWsluopinberragjalda. nF   d.(58.gr.)  J    J?  Btflutningurogskrunb;ta.J?i݌  Ќ     GreiWaskalb;taYegum,bsettumYeimrkjumsemrkisstj;rngerirsamningaviWeWa r rWherrahefursamiWviWmeWstoW59.gr.,btursamrmiviWnnarikvWisamninganna. e=   RWherrageturmeWreglugerWkveWiWaWfrb;tum,semb;taYegirtthrlandi, 0 dragistbtursmutegundarsemhannfrsamkvmterlendrilggjffyrirsamatmabilog  bturerugreiddarfyrirhrlandi.    e.(59.gr.) \4 J    Ji  Millirkjasamningar.Ji݌ ' Ќ     Rkisstj;rninnierheimiltaWsemjaviWerlendrkiumgagnkvmrttindiogskyldursam  kvmtlgumYessumogrWherraaWsemjaviWerlendartryggingastofnanirsamningsrkjum  umnnariframkvmdslkrasamninga.0Yeimmm.a.veitaundanYgurfrkvWumlag `  annaogheimilatakmarkanirbeitinguYeirra. S+!   0samningumskv.1.mgr.mm.a.kveWaumaWbsetu,atvinnueWatryggingatmabil " Wrusamningsrkiskulitalinjafngildabsetutma0slandi.EnnfremurerheimiltaWkveWa # YarumrtttilgreiWslub;taviWbsetuWrusamningsrki,jafnrWiviWmlsmeWferW,skr  $ ungreiWslnaoghvaWalggjfskulibeita.0samningumskv.1.mgr.erennfremurheimiltaW !W% semjaumfyrirframgreiWslumeWlagsmillisamningsrkja,sbr.42.gr.,einsogumbtural J""& mannatryggingavriaWrWa. #'   ViWframkvmdlagaYessaraskaltekiWtillittilmillirkjasamningasviWialmannatrygg #( ingaogflagsmlasem0slanderaWiliaW. $ )   v%N!*   & ,  f.(60.gr.) ( J    J  KostnaWurviWlfeyristryggingar.J݌  Ќ     KostnaWurviWlfeyristryggingaralmannatryggingagreiWistrrkissj;Wi,m.a.aftekjum  rkissj;Ws',(zԀaftryggingagjaldi.rlegheildartgjldlfeyristryggingaskuluverasamrmiviW a kvrWunAlYingissamkvmtfjrlgumogfjraukalgumhversrs. T,   g.(61.gr.)  J    J   rlegtlanagerWTryggingastofnunar.J 6݌   Ќ     TryggingastofnunskalrhverthagatlanagerWsinnivegnatgjaldalfeyristrygginga  X fyrirnstaalmanaksrsamrmiviWlgumopinberfjrml,nr.123/2015,ogsendarW K #  herratilfrekarimeWferWar.      h.(62.gr.)   J    J  rlegbreytingfjrhWa.JD݌ wO  Ќ     GreiWsluralmannatrygginga,svooggreiWslurskv.42.gr.ogfjrhWskv.28.gr.,skulu B  breytastrlegasamrmiviWfjrlghverjusinni.kvrWunYeirraskaltakamiWaflauna    Yr;un,Y;YannigaWYrhkkialdreiminnaenverWlagsamkvmtvsitluneysluverWs.     i.(63.gr.) nF J    J}  ReglugerWarheimild.J}݌ 9 Ќ     RWherraerheimiltaWkveWaumnnariframkvmdlagaYessarareglugerWum.    j.(64.gr.) r J    J  InnleiWingEESreglugerWa.J݌ e= Ќ     RWherraerheimiltaWinnleiWameWreglugerWalmannatryggingareglurEvr;pusambands 0 inseinsogYrerufelldarinnviWaukaVIviWsamninginnumEvr;pskaefnahagssvWiW,  sbr.lgnr.2/1993,sbr.einnigkvrWunsameiginleguEESnefndarinnarnr.76/2011fr1.  jl2011semfellirundirsamninginnreglugerWirEvr;puYingsinsogrWsins(EB)nr.883/ i 2004,umsamrmingualmannatryggingakerfa,ognr.987/2009umframkvmdhennar. \4 ReglugerWirEvr;pusambandsins,semteknarverWauppsamninginnogfelasrbreytingar ' eWaviWbturviWYrreglugerWir,ereinnigheimiltaWinnleiWameWreglugerW.SamaviW  umalmannatryggingareglurstofnsamningsFrverslunarsamtakaEvr;puogmillirkjasamn  ingasemgildamilli0slandsogBretlands. `  K|    K|  13.gr.K|݌ " Ќ     kvWitilbrWabirgWalgunumorWastsvo: # ! 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T, 100/2007,unshnfellurniWur.Umtreikningheimilisuppb;tarvegnabsetuferskv.  1.mgr.16.gr.lagaumalmannatryggingarogumfrtekjumrkvegnateknaferskv.22.  gr.smulaga.k; U9U݌  Ќ  "i0J"  i0JW2g  b  .3  Ԉ0    1.mlsl.3.mgr.orWastsvo:Fullheimilisuppb;ttileinstaklingssemfrrorkulfeyri  X samkvmtlgumumalmannatryggingarogendurhfingarlfeyrisYegasemfrgreitt K #  skv.7.gr.lagaYessaraskalvera756.240kr.ri.i0JWW݌   Ќ  "i0J"  i0JY2g  c  .3  Ԉ0    0staWtilvsunarinnar?2.!4.mgr.17.gr. 1.mlsl.4.mgr.kemur:1.!3.mgr.19.gr.i0JYY݌   Ќ  "i0J"  i0JZ2g  d  .3  Ԉ0    0staWtilvsunarinnar?23.gr. 2.mlsl.4.mgr.kemur:22.gr.i0JZ%[݌  Ќ  K|    K|%\  18.gr.K|%\L\݌ B  Ќ     EftirfarandibreytingarverWa9.gr.laganna:    ! !"i0J"  i0J+]2g  a  .3  Ԉ0    0staWorWanna?rorkulfeyrisYegasemfrgreittskv.18.gr.laga 1.mlsl.2.mgr.   kemur:einstaklingisemfrrorkulfeyrisamkvmtlgum.i0J+]X]݌{  Ќ  "i0J"  i0J^2g  b  .3  Ԉ0    2.mlsl.4.mgr.orWastsvo:BtursamkvmtlgumYessumoglgumumalmanna nF tryggingarskuluY;teljastaWfullutilteknaviWtreikninguppb;tarinnar,aWYvundan 9 skilduaWekkiskalteljatilteknamWra-ogfeWralaunskv.2.gr.ogeinungisskaltelja  tiltekna50%affjrhWaldursviWb;tarskv.29.gr.lagaumalmannatryggingarog95%  affjrhWtekjutryggingarskv.28.gr.smulaga.i0J^^݌r Ќ    19.gr. 0 a  12.gr.lagannafellurbrott.  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