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X  y Fullur_hlutarorkulfeyrir_Ԁskalvera3.739.200_kr_.ri.FjrhW_hlutarorkulfeyris_Ԁskal K #  lkkaum45%afeigintekjumlfeyrisYegaumfram_frtekjumrk_Ԁskv.30.gr.unsgreiWslur    fallaniWur.UppfyllilfeyrisYegijafnframtskilyrWifyrirgreiWslu_aldursviWb;tar_Ԁskv.29.gr.    og/eWaheimilisuppb;tarsamkvmtlgumumflagslegaaWstoWskalsamanlgWfjrhW   greiWslnalkkaum45%aftekjumlfeyrisYegaumfram_frtekjumrk_Ԁskv.30.gr. wO   y FjrhW_hlutarorkulfeyris_Ԁskv.6.mgr.reiknastsamkvmt_rttindahlutfalli_ԀeinsogYaW B  erkvarWaWskv.3.og4.mgr.     y Hafi_hlutarorkulfeyrisYegi_ԀekkifengiWstarfviWhfimeWaWstoW_Vinnumlastofnunar_   aWlokinni24mnaWaatvinnuleitfrYeimtmasemgreiWslur_hlutarorkulfeyris_Ԁh;fustgetur {  hann;skaWeftirsamYttu_srfrWimati_ԀaWnUju. nF  y Tryggingastofnungefurt_rorkuskrteini_ԀtilYeirrasemuppfyllaskilyrWi1.mgr.ogeru 9 jafnframt_sjkratryggWir_Ԁsamkvmtlgumumsjkratryggingar.   y c.(26.gr.) r J    J<  SamYtt_srfrWimat_.J<<݌ e= Ќ    y TryggingastofnunberbyrgWgerW_samYtts_Ԁ_srfrWimats_ԀsemerforsendafyrirgreiWslu 0 rorkulfeyrisskv.24.gr.og_hlutarorkulfeyris_Ԁskv.25.gr.X;erTryggingastofnunheimilt  aWvkjafrskilyrWiumsamYtt_srfrWimat_ԀefslktmaterbersUnilega;YarftaWmatistofn  unarinnar.0niWurstWummatsinsskalkomaframhvergetaviWkomandieinstaklingstilvirkni i vinnumarkaWier. \4  y Wurentil_samYtts_Ԁ_srfrWimats_ԀkemurskalendurhfingeWaviWurkenndmeWferWsem ' hefurYaWaWmarkmiWiaWstuWlaaWaukinnifrnitilatvinnuYtttkuaWfullueWaaWhluta  verafullreynd.X;erTryggingastofnunheimiltaWvkjafrYvskilyrWiefYaWerbersUnilega  ;YarftaWmatistofnunarinnar. `   y ViWframkvmd_samYtts_Ԁ_srfrWimats_ԀskalTryggingastofnunbyggjafyrirliggjandi S+! ggnumumfrniumskjandatilatvinnuYtttkuograngurendurhfingareftirYvsem " viW.MatiWskalm.a.byggjastYttumsemltaaWfrni,aWstWum(umhverfis-ogein # staklingsbundnumYttum)ogheilsuvWumskilningi.XskalstofnuninaflaannarranauW  $ synlegragagnaogupplUsinga,samrmiviWV.kafla,eftirYvsemviWog;skaeftir !W% umsgnumsrfrWingaefYrfer. 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T,  y SkilyrWigreiWslnaeraWfyrirliggi_endurhfingartlun_ԀeWastaWfestingviWurkenndri  meWferWsemstyWurviWmarkmiWskv.1.mgr.frYeim_Yj;nustuaWila_Ԁsemveitireinstaklingi  Yj;nustueWasemveitirYj;nustuumboWi_Yj;nustuaWilans_.S_Yj;nustuaWili_Ԁsemveitirein   staklingiYj;nustuskaltryggjaaWtlunintakimiWafYrfumeinstaklingshverjusinni  X tengslumviWendurhfinguhans._Endurhfingartlun_ԀgeturveriW_heilbrigWistengd_,_starfs K #  tengd_ԀeWasamsettafhvorutveggja.     y XrttfyrirskilyrWi1.mgr.umYtttkueinstaklingsviWurkenndrimeWferWeWaendurhf    inguerheimiltaWgreiWasjkraog_endurhfingargreiWslur_ԀYegarviWkomandibWureftirYv   aWfmeWferWeWaaWendurhfinghefjist.SamaviWkomi_heilsubrestur_ԀviWkomandiveg wO  fyriraWfyrirhuguWmeWferWeWaendurhfinggetihafist.SkilyrWieraWfyrirliggistaWfesting B  frYeim_Yj;nustuaWila_ԀsemveitireinstaklingiYj;nustuumaWviWkomandiverWitalinnfr    umaWhefjaeWakomistaWviWurkenndameWferWeWaendurhfinguinnannnartiltekins   tma.SkalTryggingastofnunreglubundiWogekkisjaldnarensexmnaWafrestifarayfir {  stWumlsviWkomandiogeftiratvikum;skafrekari_upplUsinga._ nF  y Umskjandiumsjkraog_endurhfingargreiWslur_Ԁskalvera18raeWaeldrienekkihafa 9 nWellilfeyrisaldrieinsoghannerkveWinnskv.1.mgr.16.gr.,veratryggWurhrlandi,  sbr.I.kafla,oghafaveriWtryggWurhrlandia.m.k.12sWustumnuWinaWurentil  greiWslnageturkomiW,nemaannaWleiWiafmillirkjasamningum.HeimilteraWtakatillittil r trygginga,starfseWa_bsetutmabila_ԀsemlokiWersamkvmtlggjfannars_samningsrkis_, e= aWYvmarkisemnauWsynlegtertilaWfullngja12mnaWaskilyrWi1._mlsl_.ogsamrmi 0 viWnnarikvWi_gagnkvms_Ԁ_millirkjasamnings_,sbr.59.gr.EnnfremurerYaWskilyrWiaW  viWkomandieigiekkirtteWahafifullnUttrttsinntillaunaforfllumvegnaveikindasam  kvmtkjarasamningumeWarWningarsamningioggreiWslnarsjkrasj;Wumstttarflaga. i  y HeimilteraWgreiWasjkraog_endurhfingargreiWslur_ԀalltaW60mnuWienY;aWh \4 marki12mnuWisenn.HeimilteraWframlengja_greiWslutmabiliW_ԀumalltaW24mnuWi ' efumeraWrWaeinstaklingmjg_viWkvmri_ԀstWusemvegna_fjlYtts_Ԁvandaertalinn  Yarfnastfrekari_viWurkenndrar_ԀmeWferWareWaendurhfingar.XeraukYessheimiltaWgreiWa  sjkraog_endurhfingargreiWslur_ԀalltaWYrjmnuWieftiraWendurhfingulUkur,aWYv `  tilskilduaW_greiWsluYegi_ԀsskrWuratvinnuleithj_Vinnumlastofnun_ԀeWaWrum_Yj;nustu S+! aWila_ԀogsamYtt_srfrWimat_ԀliggiekkifyrirsemsUnigetutilvirknivinnumarkaWi50% " eWaminni. #  y GreiWslurvegnaendurtekinsheilsubrestsvegnasamasjkd;ms,slysseWafallssemtalinn  $ ergetahafthrifgetueinstaklingstilvirknivinnumarkaWi,sbr.1.mgr.,teljasttilsama !W% _greiWslutmabils_.XegarsvostendurgeturnUtt_greiWslutmabil_Ԁfyrsthafistefa.m.k.Yrjr J""& eruliWinfrsWustugreiWslu,endasunnurskilyrWilagaYessarauppfyllt.EfumeraWrWa #' langvarandieWaalvarlegan_heilsubrest_ԀsemerafleiWingafWrumsjkd;mi,slysieWafalli #( ogertalinngetahafthrifgetueinstaklingstilvirknivinnumarkaWi,sbr.1.mgr.,getur $ ) nUtt_greiWslutmabil_ԀYegarhafist,endasunnurskilyrWilagaYessarauppfyllt. v%N!*  y Fullarsjkraog_endurhfingargreiWslur_Ԁskuluvera4.560.000_kr_.ri.FjrhWsjkra A&"+ og_endurhfingargreiWslna_Ԁskallkkaum45%afeigintekjum_greiWsluYega_Ԁumfram_frtekju  '",  mrk_Ԁskv.30.gr.unsgreiWslurfallaniWur.Uppfylli_greiWsluYegi_ԀjafnframtskilyrWifyrir '#- greiWsluheimilisuppb;tarsa&   mkvmtlgumumflagslegaaWstoWskalsamanlgWfjrhW ( greiWslnalkkaum45%aft'(dekjum_greiWsluYega_Ԁumfram_frtekjumrk_Ԁskv.30.gr.   y e.(28.gr.) a J    Jf  _Xj;nustugtt_.JfFf݌ T, Ќ    y Tryggingastofnunskalstarfrkja_Yj;nustugtt_Ԁ_Yj;nustuaWila_ԀYeimtilgangiaWtryggja  nauWsynlegayfirsUnyfirviWurkenndar_meWferWir_Ԁog_endurhfingarYj;nustu_Ԁsemeinstak  lingarfhverjumtmaogtilaWstuWlaaWsamfelluYj;nustuoggreiWslumhjYeimsem   YurfaYj;nustufleirieneins_Yj;nustuaWila_.  X  y Tryggingastofnunskalhaldaskrum_lUsiggn_ԀyfirupplUsingarsemfaraum_Yj;nustu K #  gttina_Ԁogtilgreindir_Yj;nustuaWilar_ԀgetanUtttilYessaWskja_frumggn_.StofnuninniberaW    tryggjaaW_lUsiggnin_Ԁsemfaraum_gttina_ԀsuvarWveittrugganhttYannigaWYauglatist    ekkiogsueingnguaWgengilegYeimsemYurfaYeimaWhaldatilYessaWgetauppfyllt   skyldursnarsamkvmtlgumYessumogkvWumannarralagasem_Yj;nustuaWilar_Ԁstarfa wO  eftirauksamningaYeirramilliumsamstarfsviWiendurhfingar,sbr.55.gr.a. B   y f.(29.gr.)   J    Jgm  _AldursviWb;t_.Jgmm݌ {  Ќ    y _AldursviWb;t_ԀgreiWistYeimsemfgreiddanrorkulfeyriskv.24.gr.eWa_hlutarorku nF lfeyri_Ԁskv.25.gr. 9  y FullfjrhW_aldursviWb;tar_Ԁskalvera360.000_kr_.ri.FullfjrhWgreiWistYeimsem  voru18!24raYegarannaWhvortskilyrWifyrirsjkraog_endurhfingargreiWslum_Ԁvorufyrst  uppfyllteWaYegarniWurstaWa_samYtts_Ԁ_srfrWimats_ԀlfyrstfyrirumaWgetaumskjanda r tilvirknivinnumarkaWivrimetin50%eWaminni.FjrhW_aldursviWb;tar_Ԁlkkarum5% e= fyrirhvertreftirYaWoggreiWist_aldursviWb;t_Ԁekkihafiumskjandifyrstuppfylltframan 0 greindskilyrWiviW44raaldureWasWar.   y UmtreikningfjrhW_aldursviWb;tar_Ԁvegnateknaog_rttindahlutfalls_Ԁferskv.24.,25.  og30.gr. i  y g.(30.gr.) ' J    Js  _Tekjugrunnur_.Js t݌  Ќ    y TilteknasamkvmtYessumkaflateljasttekjurskv.4Kig  5  II6tt   7ou.kafla4L  5  lagaumtekjuskatt,nr.  90/20036gu{u   7u,aWteknutillititilkvWasmulagaumhvaWekkitelsttilteknaog_frdrttarliWa_ `  skv.1.,3.,4.og5.tlul.AliWar1.mgr.30.gr.og4MN  5  31.gr.smulaga6vv   7wԀeWaundantekningaog S+! takmarkanasamkvmtWrumsrlgum.TilteknateljasteinnigtekjursemaflaWererlendis " ogekkierutaldarframhrlandi. #  y XrttfyrirkvWi1.mgr.skulueftirfaranditekjurekkiteljasttiltekna:  $ ! ! 4ABCD(%00*"A0J"  A0Jgy y2%  1  .3  Ԉ0    GreiWslursamkvmtlgumYessum,lgumumflagslegaaWstoWog_virknistyrkur_Ԁsam !W% kvmtlgumum_vinnumarkaWsaWgerWir_.A0Jgyy݌J""&   Ќ  "A0J"  A0J"{ y2%  2  .3  Ԉ0    FjrhagsaWstoWsveitarflaga.A0J"{O{݌#'   Ќ  "A0J"  A0J"| y2%  3  .3  Ԉ0    GreiWslurr_viWb;tarlfeyrissparnaWi_.A0J"|O|݌#(   Ќ  "A0J"  A0JQ} y2%  4  .3  Ԉ0    Lfeyriralmannatryggingafrrkjumsem0slandhefurgertsamningaviW,samrmiviW $ ) nnarikvWisamninganna,sbr.58.,59.og64.gr.A0JQ}~}݌v%N!*   Ќ   y ViWtreikningrorkulfeyrisskv.24.gr.skal_greiWsluYegi_Ԁhafaalmennt_frtekjumark_Ԁsem A&"+  nemur1.200.000_kr_.ri.  '",  y ViWtreikning_hlu& a  tarorkulfeyris_Ԁskv.25.gr.skal_greiWsluYegi_Ԁhafaalmennt_frtekjumark_ ( semnemur1.200.000_kr_.ri.Xskal_greiWsluYegi_Ԁhafasrstakt_frtekjumark_Ԁvegnaatvinnu  teknasemnemur3.0'a(&00.000_kr_.ri.   y ViWtreikningsjkraog_endurhfingargreiWslna_Ԁskv.27.gr.skal_greiWsluYegi_Ԁhafaal a mennt_frtekjumark_Ԁsemnemur480.000_kr_.ri.Xskalsjkraog_endurhfingargreiWslu T, Yegi_Ԁhafasrstakt_frtekjumark_Ԁvegnaatvinnuteknasemnemur1.920.000_kr_.ri.   y Tekjurmaka_greiWsluYega_ԀhafaekkihriftreikninggreiWslna.X;skulufjrmagnstekjur  skiptasttilhelmingamillihj;naviWtreikninggreiWslna.Skiptirekkimlihvorthj;nanna   ereigandiYeirraeignasemmyndatekjurnareWahvortumsreigneWa_hjskapareign_ԀeraW  X rWa. K #   y ViWtreikningrorkulfeyriserrWherraheimiltaWhkka_tekjugrunn_ԀYeirralfeyrisYega    semfengiWhafaeingreiWsluskaWab;tavegnarorkuaWfrdregnumtluWumrorkulfeyri    tilframtWarfrTryggingastofnun.    y Tryggingastofnunerheimilt,aW;sklfeyrisYega,aWdreifaeigintekjum_lfeyrisYegans_Ԁsem wO  stafaaffjrmagnstekjumsemleystarhafaveriWteinulagialltaW10r.Ekkierheimilt B  aWdreifaslkumtekjumoftareneinusinnihverju10ratmabili.     y h.(31.gr.) {  J    Jk  _ReglugerWarheimild_.Jk݌ nF Ќ    y RWherraerheimiltaWsetjareglugerWumnnariframkvmdYessakafla,m.a.umfram 9 kvmdoghelstuefnisYttisemsamYtt_srfrWimat_Ԁskalbyggjast,YefnisYttisemskulu  komaframniWurstWumYessoghvernigYrskulusettarfram,hvaWa_Yj;nustuaWilar_Ԁgeta  boriWbyrgWgerW_endurhfingartlana_ԀogstaWfestviWurkenndar_meWferWir_,helstuviWmiW r ummatYtttkuvinnumarkaWiog_stundun_ԀnmssamhliWasjkraog_endurhfingar e= greiWslum_,um_Yj;nustugtt_,Y.m.t.umaWgangaWhennioghvaWaggnogupplUsingarskuli 0 heimiltaWskr,hvernigmeWferWYeirraskulihttaWoghvenrYeimberiaWeyWa,hlutverk  aWilaogskiptingubyrgWar,_rttindavinnslu_Ԁog_bsetutma_,_tekjugrunn_,treikningogfram  kvmdgreiWslna. i K|    K|  4.gr.K|ʏ݌ ' Ќ    y EftirfarandibreytingarverWa38.gr.laganna:  ! ! *(g004ABCD"A0J"  A0J* y2g  a  .3  Ԉ0    0staWorWsins?lfeyrisYegi 1._mlsl_.1.mgr.kemur:einstaklingursemfrgreiWslur  skv.III.eWa_IV_.kafla.A0J*W݌`    Ќ  "A0J"  A0J y2g  b  .3  Ԉ0    0staWorWsins?lfeyrisYega 1._mlsl_.3.mgr.kemur:einstaklingi.A0J݌S+!   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J""& eWa_IV_.kafla.A0JӖ݌#'   Ќ  "A0J"  A0JX y2g  b  .3  Ԉ0    0staWorWsins?lfeyrisYegi 2.og4._mlsl_.kemur:_greiWsluYegi_.A0JX݌#(   Ќ  K|    K|ҙ  6.gr.K|ҙ݌ v%N!* Ќ    y EftirfarandibreytingarverWa1.mgr.40.gr.laganna: A&"+ ! !"A0J"  A0J y2g  a  .3  Ԉ0    0staWorWanna?errorkulfeyrisYegi 1._mlsl_.kemur:frgreiWslurskv._IV_.kafla.A0J ݌ '",     "A0J"  A0Jt y2g  b  .3  Ԉ0    0staWorWsins?rorkulfeyrisYegar 2._mlsl_.kemur:fgreiWslurskv._IV_.kafla.A0Jt݌'#-   Ќ  _K|    K|   7.& a  gr.K| 1݌ ( Ќ    y EftirfarandibreytingarverWa51.gr.laganna:  ! !"A0J"  A0J& y2g  a  .3  Ԉ0    EftirfarandibreytingarverWa1.mg'a(Rr.:A0J&S݌   Ќ  "C"  CA0 y 0y y e2g  1  .3  Ԉ0    0staWorWsins?sUslumaWur kemur:sUslumenn.CAn݌a   Ќ  "C"  C0 y 0y y e2g  2  .3  Ԉ0    0staWorWanna?Lnasj;Wurslenskranmsmanna kemur:Yj;nustuaWilisember T, byrgWviWurkenndrimeWferWeWaendurhfingartlun,sjkratryggingastofnunin,  HsnWisogmannvirkjastofnun,Menntasj;Wurnmsmanna.C݌   Ќ  "C"  C£0 y 0y y e2g  3  .3  Ԉ0    0staWorWsins?rafrnum kemur:stafrnum.C£݌    Ќ  "A0J"  A0J y2g  b  .3  Ԉ0    2.mgr.orWastsvo:A0J-݌ X   Ќ  "B;"  B;0 y 2g3  0y y    e   XskuluTryggingastofnunogYj;nustuaWilarskiptastupplUsingumaWYvmarki K #  semYrerunauWsynlegarviWframkvmdlagaYessara.B; ݌     Ќ  K|    K|  8.gr.K|݌   Ќ    y OrWin?svoogstarfsf;lkisjkratryggingastofnunarinnar 1.mgr.54.gr.lagannafalla wO  brott. B  K|    K|  9.gr.K|݌   Ќ    y EftirfarandibreytingarverWa1.mgr.55.gr.laganna: {  ! !"A0J"  A0J̩ y2g  a  .3  Ԉ0    ViW1.mlsl.btist:nemaYaWsbersUnilega;nauWsynlegtaWmatiTryggingastofnunar.A0J̩݌nF   Ќ  "A0J"  A0J y2g  b  .3  Ԉ0    0staWorWanna?greiddanrorkulfeyri 2.mlsl.kemur:greiWslurskv.IV.kafla.A0JA݌9   Ќ  K|    K|Y  10.gr.K|Y݌  Ќ    y eftir55.gr.lagannakemurnUgrein,55.gr.a,samtfyrirsgn,svohlj;Wandi: r J    Ji  SamstarfviWYj;nustuaWila.Ji݌ e= Ќ    y TryggingastofnunskaleigasamstarfviWYj;nustuaWilasemveitaYj;nustutengslumviW 0 endurhfinguYvskyniaWstuWlaaWsamfellugreiWslumhjYeimeinstaklingumsemYurfa  Yj;nustufleirieneinsaWila.StofnuninskaleigaaWildaWsamningisemtilgreindirYj;nustu  aWilarskulugeraumsamstarfsnmilli,YarmeWalumstarfsemisamhfingarteyma,svo i semhvenrmlumskulivsaWtilslkrateyma,oghvernigbyrgWmlifristmilliein \4 stakraYj;nustuaWila. '  y TilaWTryggingastofnunsunntaWgegnaskyldumsnumskv.1.mgr.skalstofnunin,  YegarYaWviW,geranauWsynlegarupplUsingaraWgengilegarWrumYj;nustuaWilumgegn  umsameiginlegaYj;nustugttaWilannaogstofnunarinnar,sbr.28.gr.,Y.m.t.YrsemviW `  kvmargetatalist,svosemheilsufarsupplUsingar,ogupplUsingarumflagslegaraWstWur S+! 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SkalstofnuninberasamanannarsvegarfjrhWsemnemurhmarksfjrhWsrstakrar  uppb;tarlfeyrivegnaframfrslusamkvmtYgildandi2.mgr.9.gr.lagaumflags r legaaWstoW,auk50%af_greiWslurtti_Ԁ_aldursviWb;tar_Ԁog5%tekjutryggingarviWkomandi e= rorkulfeyrisYegasamkvmtYgildandikvWumlagaYessara,_hvorutveggja_Ԁmarg 0 faldaWmeW_rttindahlutfalli_Ԁhans,samrmiviWreglursemvorugildi31.gst2025,  aWfrdregnum65%YeirrateknasemrorkulfeyrisYegiaflarsrtmabilitreiknings,  oghinsvegarsamanlagWafjrhWrorkulfeyris,heimilisuppb;tarog_aldursviWb;tar_ i samkvmtYeimreglumsemgildafr1.september2025.EfrorkulfeyrisYegifrekki \4 greiddaheimilisuppb;tsamrmiviW8.gr.lagaumflagslegaaWstoWsamkvmtYeim ' reglumsemgildafr1.september2025skalviWsamanburWnotalgrihmarksfjrhW  samkvmtYgildandi2.mgr.9.gr.lagaumflagslegaaWstoWsamkvmtYeimreglum  semvorugildi31.gst2025.EfrorkulfeyrisYegifrgreiddaheimilisuppb;tskal `  notahrrihmarksfjrhWYesskvWis.LeiWisamanburWurinnlj;saWfjrhWsam S+! kvmteldrikvWumerhrrienfjrhWgreiWslnarorkulfeyrisYegafr1.september " 2025ogaW_uppfylltu_ԀskilyrWi2.mgr.1.gr.lagaumflagslegaaWstoWskalstofnunin # greiWarorkulfeyrisYegamismuninn.A0Ji݌ $   Ќ  "A0J"  A0J y2%  17  .3  Ԉ0    kvWi16.tlul.gildireftirYvsemviWumYsemfgreiddan_endurhfingarlfeyri_ !W% samtsrstakriuppb;tlfeyrivegnaframfrslusamkvmtYgildandi2.mgr.9.gr. J""& lagaumflagslegaaWstoW31.gst2025enY;einungistgildistma_endurhfingar #' tmabils_ԀsemsamYykktvarfyrir1.september2025.A0J݌#(   Ќ  "A0J"  A0J y2%  18  .3  Ԉ0    LgYessiskuluendurskoWuWfyrir1.september2030.ViWYendurskoWunverWihorft $ ) tilreynslunnarafbreyttufyrirkomulagiYj;nustuoggreiWslna,m.a.tlulegraupplUsinga, v%N!* viWhorfanotendaogframvindumlainnan_stj;rnsUslunnar_.A0J݌A&"+   Ќ  "B;"  B;0 y 2%3  0y y    e   RWherraska&  lfyrir1.september2025skipastarfsh;pYriggjatilfimmsrfrWinga,  '", ogskaleinntiln' 'qefndursameiginlegaafhagsmunasamtkumfatlaWsf;lks,semgreini '#- hrifinogmetihvortmarkmiWinmeWYeim_kerfisbreytingum_ԀsemlgYessifelasrhafi (z$. nWframaWganga._Starfsh;purinn_ԀskalskilaskUrslutilrWherraeigisWaren31.desem ( ber2029YarsemfjallaWverWim.a.uminnleiWingulaganna,hrifYeirraeinstakah;pa,  Yr;untgjaldaeinkumvegnanUrra_greiWsluflokka_ԀograngurafsamYttu_srfrWimati_  ogsamstarfi_Yj;nustuaWila_._Starfsh;purinn_Ԁgeturstarfstmasnumlagtframtillgurtil a rb;taefsvoberundir.B;݌T,   Ќ  "A0J"  A0J y2%  19  .3  Ԉ0    RWherraskaleigisWaren1.ma2025flytjaAlYingiskUrsluumundirbning_innleiW  ingar_Ԁ_samYtts_Ԁ_srfrWimats_.SkUrslurWherraskalvsatil_velferWarnefndar_Ԁtilumfjll  unar.A0J݌    Ќ  O|    O|L  II.KAFLIO|Ls݌ K #  Ќ   N     N  BreytinglgumumflagslegaaWstoW,nr.99/2007.N ݌    Ќ    K|    K|  13.gr.K|݌    Ќ    y OrWiW?_endurhfingarlfeyrir_ 1.mgr.1.gr.lagannafellurbrott.   K|    K|  14.gr.K|݌ B  Ќ    y 5.gr.lagannaorWastsvo:     y Heimilter,efsrstakaraWstWurerufyrirhendi,aWgreiWamakaellieWarorkulfeyris   Yegamakabtursemnema228.000_kr_.mnuWi.Jafnframterheimilt,efsrstakaraWstWur {  erufyrirhendi,aWgreiWaWrumsemhaldaheimilimeWellieWarorkulfeyrisYega_umnn nF unarbtur_.RWherraerheimiltaWsetjareglugerWumnnariframkvmdYessakvWis. 9 K|    K|  15.gr.K|݌  Ќ    y 7.gr.lagannafellurbrott,samtfyrirsgn. r K|    K|  16.gr.K|݌ 0 Ќ    y EftirfarandibreytingarverWa8.gr.laganna:  ! ! *(g004ABCD"A0J"  A0JH y2g  a  .3  Ԉ0    0staWorWsins?lfeyrisYega 1.mgr.kemur:_greiWsluYega_.A0JHu݌   Ќ  "A0J"  A0J y2g  b  .3  Ԉ0    3.mgr.orWastsvo:A0J݌i   Ќ  "B;"  B;0 y 2g3  0y y    e   Fullheimilisuppb;ttileinstaklingssemfrgreiWslurskv._IV_.kaflalagaumalmanna \4 tryggingar,nr.100/2007,skalvera756.000_kr_.ri.Umtreikningheimilisuppb;tar ' vegnateknaferskv.24.,25.,27.og30.gr.Yeirralagaogumtreikningheimilis  uppb;tartilrorkulfeyrisYegavegnabsetuferskv.24.gr.smulaga.B;݌   Ќ  K|    K|C  17.gr.K|Cj݌ S+! Ќ    y EftirfarandibreytingarverWa9.gr.laganna: " ! !"A0J"  A0JI y2g  a  .3  Ԉ0    EftirfarandibreytingarverWa1.mgr.:A0JIv݌#   Ќ  "C"  CQ0 y 0y y e2g  1  .3  Ԉ0    0staWorWanna?lfeyrisYegauppb;tlfeyri 1._mlsl_.kemur:_ellilfeyrisYega_Ԁog  $ einstaklingisemfrgreiWslurskv._IV_.kaflalagaumalmannatryggingaruppb;t.CQ~݌!W%   Ќ  "C"  C0 y 0y y e2g  2  .3  Ԉ0    0staWorWsins?lfeyrisYegi 2._mlsl_.kemur:_greiWsluYegi_.C݌J""&   Ќ  "A0J"  A0J' y2g  b  .3  Ԉ0    2.og4.mgr.fallabrott.A0J'T݌#'   Ќ  "A0J"  A0J y2g  c  .3  Ԉ0    0staWorWsins?lfeyrisYega 2._mlsl_.3.mgr.kemur:_greiWsluYega_.A0JK݌#(   Ќ  "A0J"  A0J y2g  d  .3  Ԉ0    FyrirsgngreinarinnarorWastsvo:UppbturvegnakostnaWar.A0J݌$ )   Ќ  K|    K|  18.gr.K|݌ A&"+ Ќ    y EftirfarandibreytingarverWa10.gr.laganna:  '", ! !"A0J"  A0J y2g  a  .3  Ԉ0    EftirfarandibreytingarverWa1._mlsl_.1.mgr.:A0J݌'#-   Ќ  "C"  C0 y 0y y e2g  1  .3  Ԉ0    OrWiW?rorkustyrkYega fellurbrott.C%݌(z$.   Ќ  "C"  C00 y 0y y e2g  2  .3  Ԉ0    0staWorWsins?b;taYega kemur:_greiWsluYega_.C0]݌(   Ќ  "C"  C0 y 0y y e2g  3  .3  Ԉ0    0staWorWsins?b;taYegi kemur:hann.C݌   Ќ  "A0J"  A0J y2g  b  .3  Ԉ0    0staWorWanna?ellieWarorkulfeyrisYegiog_rorkustyrkYegar_ 2.mgr.kemur:ellilf  eyrisYegieWaeinstaklingursemfrgreiWslurskv._IV_.kaflalagaumalmannatryggingar, a nr.100/2007.A0J ݌T,   Ќ  "A0J"  A0J y2g  c  .3  Ԉ0    FyrirsgngreinarinnarorWastsvo:GreiWslurvegna_bifreiWakostnaWar_.A0J1݌   Ќ  O|    O|Y  III.KAFLIO|Y݌   Ќ   N     N  Breytinglgumum_vinnumarkaWsaWgerWir_,nr.55/2006.N݌  X Ќ    K|    K|  19.gr.K|݌ K #  Ќ    y ViW4.mgr.4.gr.lagannabtistnUr_mlsliWur_,svohlj;Wandi:Xj;nusta_Vinnumlastofnun    ar_ԀgrundvellilagaYessaraskalvera_atvinnuleitendum_ԀogatvinnurekendumaW_kostnaWar    lausu_.   K|    K|  20.gr.K|:݌ B  Ќ    y eftirorWunum?aflaupplUsingafr 1.mgr.7.gr.alagannakemur:heilsugslu    stWvum.   K|    K|J  21.gr.K|Jq݌ nF Ќ    y EftirfarandibreytingarverWa12.gr.laganna: 9 ! !"A0J"  A0JQ y2g  a  .3  Ԉ0    EftirfarandibreytingarverWa1.mgr.:A0JQ~݌   Ќ  "C"  CY0 y 0y y e2g  1  .3  Ԉ0    OrWiW?og eliWfellurbrott.CY݌   Ќ  "C"  C0 y 0y y e2g  2  .3  Ԉ0    ViWbtistnUr_stafliWur_,svohlj;Wandi:stuWningurviW_atvinnuleitendur_Ԁsemeigartt r _hlutarorkulfeyri_Ԁgrundvellilagaumalmannatryggingar,sbr.16.gr.C݌e=   Ќ  "A0J"  A0J y2g  b  .3  Ԉ0    4.mgr.orWastsvo:A0J݌0   Ќ  "B;"  B;0 y 2g3  0y y    e   _Vinnumlastofnun_ԀerheimiltaWgerasamningaviWfyrirtkieWastofnanirum  greiWslustyrkstilYeirravegnarWningar_atvinnuleitanda_Ԁsemrttrorkulfeyri,  _hlutarorkulfeyri_ԀeWasjkraog_endurhfingargreiWslum_Ԁgrundvellilagaumalmanna i tryggingar.RWherraskalsetjareglugerWYarsemnnarerkveWiWumvinnusamninga \4 skv.1._mlsl_.,Y.m.t.YauskilyrWisemYurfaaWverauppfylltogfjrhWirstyrkja.B;݌'   Ќ  K|    K|Y   22.gr.K|Y  ݌  Ќ    y eftir12.gr.lagannakemurnUgrein,12.gr.a,samtfyrirsgn,svohlj;Wandi: `  J    Ji   Samstarf_Yj;nustuaWila_.Ji  ݌ S+! Ќ    y _Vinnumlastofnun_ԀskaleigasamstarfviWaWra_Yj;nustuaWila_ԀumsamhfinguYj;nustu " tengslumviWendurhfingueinstaklingasemYurfaYj;nustufleirieneinskerfis._Vinnumla # stofnun_ԀskaleigaaWildaW_samstarfssamningi_Ԁsem_Yj;nustuaWilar_Ԁskulugeraumsamvinnusn  $ milli,YarmeWalumstarfsemi_samhfingarteyma_,svosemhvenrmlumskulivsaWtil !W% slkrateyma,oghvernigbyrgWmlifristmillieinstakrakerfa. J""&  y TilaW_Vinnumlastofnun_ԀsunntaWgegnaskyldumsnumskv.1.mgr.skalstofnunin, #' YegarYaWviW,geranauWsynlegarupplUsingaraWgengilegarWrum_Yj;nustuaWilum_Ԁ #( gegnumsameiginlega_Yj;nustugtt_Ԁ_kerfanna_ԀogTryggingastofnunar,sbr.28.gr.lagaum $ ) almannatryggingar,nr.100/2007,Y.m.t.YrsemviWkvmargetatalist,svosem_heilsufars v%N!* upplUsingar_,ogupplUsingarumflagslegaraWstWurYesseinstaklingssemhluthverju A&"+ sinni._Vinnumlastofnun_ԀberaWupplUsahlutaWeigandieinstaklingaumfyrirhugaWavinnslu  '", pers;nuupplUsingasamrmiviW2.mgr.17.gr.lagaum_pers;nuvernd_Ԁogvinnslupers;nu '#- upplUsinga,nr.90/2018. (z$. ЇK|    K|  23& a .gr.K|݌ ( Ќ    y 0staW16.gr.lagannakomafimmnUjargreinar,16.gr.og16.gr.a!16.gr.d,svohlj;W  andi,samtfyrirsgnu'a(m:   y a.(16.gr.) T, J    Jb  _Virknistyrkur_.Jb݌  Ќ    y _Vinnumlastofnun_ԀerheimiltaWgreiWa_virknistyrk_Ԁtil_atvinnuleitenda_Ԁsemeigartt  _hlutarorkulfeyri_Ԁgrundvellilagaumalmannatryggingar._Vinnumlastofnun_Ԁskaljafnframt   veitaviWkomandieinstaklingumsrstakan_einstaklingsmiWaWan_ԀstuWningviWatvinnuleit.  X  y SkilyrWifyrir_virknistyrk_Ԁskv.1.mgr.eraW_atvinnuleitandi_Ԁeigirtt_hlutarorkulfeyri_ K #  grundvellilagaumalmannatryggingar,sbsetturogmeWskrWlgheimilisemogstaddur    hrlandioguppfyllieftirtalinskilyrWiumvirkaatvinnuleit:    / /"A0J"  A0J& y2g  a  .3  Ԉ0    hefurfrumkvWiaW_starfsleit_ԀogerreiWubinn,nsrstaksfyrirvara,aWtakahvertYaW   starfsemgreitterfyrirsamrmiviWgildandilgogkjarasamningaoghonumerunnt wO  aWgegnalj;sigetuhanstilvirknivinnumarkaWi,A0J&S݌B    Ќ  "A0J"  A0JN y2g  b  .3  Ԉ0    ekkirttlaunumeWaWrumgreiWslumtengslumviWstrfvinnumarkaWiYanntma    semhannervirkriatvinnuleit,A0JN{݌    Ќ  "A0J"  A0J y2g  c  .3  Ԉ0    hefurviljaoggetutilaWtakaYtt_vinnumarkaWsrrWum_ԀsemstandahonumtilboWa,A0J݌{    Ќ  "A0J"  A0J* y2g  d  .3  Ԉ0    erreiWubinnaWveita_Vinnumlastofnun_ԀnauWsynlegarupplUsingartilaWstofnuningeti nF gefiWhonumkostYtttkuviWeigandi_vinnumarkaWsrrWum_ԀogaukiWlkuraW 9 hannfistarfvinnumarkaWi.A0J*W݌   Ќ   y FjrhW_virknistyrks_Ԁskalnemamismun_hlutarorkulfeyris_Ԁskv.6.mgr.25.gr.lagaum  almannatryggingar,nr.100/2007,ogrorkulfeyrisskv.6.mgr.24.gr.smulaga. r  y b.(16.gr.a.) 0 J    J!  Tmabilsem_virknistyrkur_Ԁergreiddur.J!!݌  Ќ    y _Atvinnuleitandi_ԀsemuppfyllirskilyrWi1.og2.mgr.16.gr.geturfengiWgreiddan_virkni  styrk_Ԁ24mnuWifrYeimdegier_Vinnumlastofnun_Ԁt;kviWums;knhans,sbr.7.gr.,nema i annaWleiWiaflgumYessum.Taki_atvinnuleitandi_ԀaWsrtilfallandivinnuerekkigreiddur \4 _virknistyrkur_ԀfyrirYdagasemvinnanstenduryfir.TilaWfinnat_virknistyrk_Ԁfyrirhverndag ' skalmiWaviW30dagamnuWi.StmisemgreiWslurstyrksfallaniWurskv.16.gr.btelst  hlutitmabilsins.   y GreiWslur_virknistyrks_ԀfallaniWurhefji_atvinnuleitandi_ԀstrfvinnumarkaWi.Stmisem `  viWkomandistarfarvinnumarkaWieftiraWtmabilskv.1.mgr.hefsttelstekkihlutiYess S+! tmabils. "  y Tmabilskv.1.mgr.heldurframaWlWaYegar_atvinnuleitandi_ԀskirumaWnUju,sbr. # 1.mgr.7.gr.,eftiraWhafastarfaWskemmritmaen12mnuWiinnlendumvinnumarkaWi  $ frYvaWhannfkksWastgreiddan_virknistyrk_.HafiviWkomandistarfaWinnlendumvinnu !W% markaWia.m.k.12mnuWifrYvaWhannfkksWastgreiddan_virknistyrk_ԀhefstnUtttmabil J""& skv.1.mgr. #'  y LeiWisamYtt_srfrWimat_Ԁskv.8.mgr.25.gr.lagaumalmannatryggingarlj;saW_hluta #( rorkulfeyrisYegi_Ԁeigiframrtttil_hlutarorkulfeyris_ԀhefstnUtttmabilskv.1.mgr. $ )  y c.(16.gr.b.) A&"+ J    JW+  _Virknistyrkur_ԀfelldurniWur.JW++݌  '", Ќ    y _Atvinnuleitandi_ԀsemhafnarstarfisemhonumsannanlegabUWsteftiraWhafaveriWat '#- vinnuleita.m.k.tvomnuWifrYvaW_Vinnumlastofnun_Ԁ_m;tt;k_Ԁums;knhans,sbr.1.mgr. (z$. 7.gr.,skalekkifgreiddan_virknistyrk_Ԁskv.16.gr.fyrrenaWtveimurmnuWumliWnum,sem ( ellahefWiveriWgreittfyrir,frYeimdegier_Vinnumlastofnun_ԀtilkynntihonumaW_virkni  styrkur_ԀhefWiveriWfelldurniWur.HiWsamaviWum_atvinnuleitanda_Ԁsemhafnar_atvinnu  viWtali_ԀsemhonumsannanlegabUWst,sinnirekki_atvinnuviWtali_ԀnstWulausrartafar,hafnar a Ytttku_vinnumarkaWsrrWum_ԀeWalturhjlWaaWveitanauWsynlegarupplUsingarum T, YaWsemkannaWhafahrifgreiWslu_virknistyrks_ԀtilviWkomandi.   y Xrttfyrir1.mgr.skal_virknistyrkur_ԀekkifelldurniWurhafi_rttltanlegar_ԀstWurveriW  fyrirYvaWstarfi,_atvinnuviWtali_ԀeWaYtttku_vinnumarkaWsrrWi_ԀvarhafnaWeWaaW_at   vinnuviWtali_ԀvarekkisinntnstWulausrartafareWaltiWhjlWaaWveitanauWsynlegarupp  X lUsingarumYaWsemkannaWhafahrifgreiWslu_virknistyrks_ԀtilviWkomandi.ViWmatYv K #  hvort_rttltanlegar_ԀstWurhafiveriWfyrirhendiskal_Vinnumlastofnun_Ԁltatilaldurs    _atvinnuleitanda_,flagslegraaWstWnasemtengjast_skertri_Ԁ_vinnufrni_ԀeWa_umnnunarskyldu_    vegnaungrabarnaeWaannarraninnafjlskyldumeWlima.Ennfremurskal_Vinnumla   stofnun_Ԁltatil_heimilisaWstWna_Ԁ_atvinnuleitanda_ԀYegarhannhafnarstarfifjarriheimilisnu. wO  XskalstofnunintakatillittilaWstWna_atvinnuleitanda_Ԁsemgeturekkisinnttilteknumstrf B  umvegnaskertrargetutilvirknivinnumarkaWisamkvmtsamYttu_srfrWimati_ԀeWavott    orWi_srfrWilknis_.    y Hafi_virknistyrkur_ԀveriWfelldurniWurskv.1.mgr.ogeitthvertYeirratilvikasemYar {  greinirsrstaWaWnUjusamatmabiliskv.16.gr.askal_atvinnuleitandinn_Ԁekkifgreiddan nF _virknistyrk_ԀfyrrenaWYremurmnuWumliWnum,semellahefWiveriWgreittfyrir,frYeim 9 degier_Vinnumlastofnun_ԀtilkynntihonumaW_virknistyrkur_ԀhefWiveriWfelldurniWur.Endur  takislkttilviksigYriWjasinnskalviWkomandiekkifgreiddan_virknistyrk_Ԁfyrrenhann  uppfyllirskilyrWi2._mlsl_.3.mgr.16.gr.a. r  y _Atvinnuleitandi_ԀsemstarfarinnlendumvinnumarkaWisamatmaoghannfrgreiddan e= _virknistyrk_ԀoglturvsvitandihjlWaaWupplUsa_Vinnumlastofnun_ԀumYaustrfeWaaWat 0 vinnuleitshtt,skalekkifgreiddan_virknistyrk_ԀfyrrenaWsexmnuWumliWnum,semella  hefWiveriWgreittfyrir,frYeimdegier_Vinnumlastofnun_ԀtilkynntihonumaW_virknistyrkur_  hefWiveriWfelldurniWur. i  y d.(16.gr.c.) ' J    J?  LeiWrttingog_endurgreiWsla_.J??݌  Ќ    y Hafi_atvinnuleitandi_ԀfengiWhrri_virknistyrk_Ԁenhonumbarskv.16.gr.berhonumaW  endurgreiWaYfjrhWsemofgreiddvar.HiWsamagildirhafi_atvinnuleitandi_ԀfengiW_virkni `  styrk_ԀfyrirtmabilsemhannuppfylltiekkiskilyrWifyrirslkumstyrk. S+!  y kvarWanir_Vinnumlastofnunar_Ԁum_endurkrfu_Ԁ_ofgreiWslna_Ԁskv.1.mgr.eruaWfararhfar. "  y Hafi_atvinnuleitandi_ԀfengiWlgri_virknistyrk_Ԁenhonumbarber_Vinnumlastofnun_ԀaW # greiWahonumYfjrhWsem_vangreidd_Ԁvarsamtvxtum.SkuluvextirYessirvera_jafnhir_  $ vxtumsemSeWlabanki0slandskveWurogbirtirhverjumtmaskv.1.mgr.8.gr.lagaum !W% vextiogverWtryggingu,nr.38/2001.SamaviWYegarniWurstaWa_rskurWarnefndar_Ԁ_velferWar J""& mla_ԀleiWirtilYessaW_atvinnuleitandi_ԀhafittaWf_virknistyrk_ԀsamkvmtlgumYessumen #' hafWiWurveriWsynjaWumslkanstyrk.Xegar_virknistyrkur_ԀhefurveriW_vangreiddur_Ԁvegna #( skortsupplUsingumfr_atvinnuleitanda_ԀfallavextirniWur. $ )  y e.(16.gr.d.) A&"+ J    JH  Atvinnuleitfullreynd.JHIH݌  '", Ќ    y tmabili_virknistyrks_Ԁ_atvinnuleitanda_Ԁskv.16.gr.askal_Vinnumlastofnun_ԀupplUsa '#- TryggingastofnunYegaratvinnuleitviWkomanditelstfullreyndaWmatistofnunarinnar. (z$. ЇK|    K|J  24.gr.K|J