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T,    y Gildinnurlggjfenslenskum_vtryggingarsamninginn_ԀskalflagiWeWassemgerir  samninginnfyrirYesshndupplUsa_vtryggingartaka_ԀumefniYeirrarlggjafarsemgildaskal  umsamninginn.'9    y Vallggjfum_vtryggingarsamning_ԀsamtstaWfestinguaW_vtryggingartaki_Ԁhafi  X _fengiW_ԀupplUsingarskv.1.mgr.skalkomaframsamningnumsjlfumeWa_fylgiggnum_ K #  meWhonum.      7.gr.   _UpplUsingaskylda_ԀumflagiWsjlft. wO     y _Vtryggingartaki_ԀskalvalltupplUsturumheitiogaWseturYessflagssem_vtrygginguna_ B  bUWurogber_vtryggingarhttuna_ԀWurenhannerskuldbundinnsamkvmt    _vtryggingarsamningi._ԀUpplUsingarnarskuluvalltkomaframbrfumogWrum   tilkynningumtil_vtryggingartaka,_ԀsvoogheitiogaWseturaWalstWvaflagsinsYegarum {  tiberaWrWa. nF  y llbindanditilboW,_vtryggingarsamningar_ԀoggildiYeirraskuluhafaaWgeyma 9 _upplUsingar_ԀumheitiogaWseturYessflagssember_vtryggingarhttuna_ԀogaWalstWvar  Yess.Xegarum_byrgWartryggingu_ԀkutkjaeraWrWaogveitterYj;nustan_starfsstWvar_  skalnafnogheimilisfangYessfulltraflagsinssemannast_tj;nsuppgjr_Ԁeinnigkomafram. r   8.gr. 0 Skilrki.     y HverssemhefurmeWhndumslu_vtrygginga_ԀvegumvtryggingaflagsskalviWstrf  sn_framvsa_Ԁfullngjandi_skilrkjum_ԀsemtgefineruafYvflagieWaflgumsemhann i starfarfyrir. \4   9.gr.  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'", ',v%(f y Sum_h;pvtryggingu_ԀaWrWaerheimiltaWvkjafrkvWi2.mgr. '#- _vtryggingarsamningi._ (z$. Ї  & a 15.gr. ( HeimildflagsinstilaWslta_vtryggingarsamningi_Ԁ_vtryggingartmabilinu_.     y FlagiWgetursagtupp_vtryggingarsam'a(iningi_Ԁsamkvmtreglum21.gr.og3.mgr.47.gr.  0WrumtilvikumgeturflagiWYvaWeinssagtupp_vtryggingarsamningi_ԀaWfyrirhendisu a srstkatviksemskUrlegaerutilgreind_vtryggingarskilmlum_,endamegitelja_uppsgnina_ T, _sanngjarna._   y UppsgninverWuraWfaraframn_stWulauss_ԀdrttareftiraWflaginuvarWkunnugtum  atviksemveittuYvrtttiluppsagnarinnar.Uppsgninskalveraskriflegogrkstudd.S   ekkikveWinnskemmri_frestur_ԀlgumYessumskaluppsagnarfresturveratveirmnuWirhiW  X minnsta. K #   y FlagiWskaltilkynninguumuppsgnskUrafrmguleikumYvaWleggjagreiningum    hanafyrir_rskurWarnefnd_Ԁtilrlausnarskv.141.gr.     y XaWsemsegirumuppsgn2._mlsl_.1.mgr.gildireinnigumfyrirvaraumaW   _vtryggingin_Ԁskulifallargildieftiltekinatvikkomaupp. wO    16.gr.    Breyting_vtryggingarskilmlum_Ԁ_vtryggingartma_.      y FlagiWgeturekkiskiliWsrrtttilaWbreyta_vtryggingarskilmlum_Ԁ {  _vtryggingartmabilinu._ nF   & , 17.gr.  UppgjrYegar_vtryggingarsamningi_ԀerslitiW_vtryggingartmabili_.     y Ner_vtryggingarsamningi_ԀslitiW_vtryggingartmabilinu_Ԁogskal_vtryggingartaki_ԀY r f_endurgreitt_ԀiWgjaldfyrirYanntma',qԀsemhannhefurgreittogvtrygginginerekkigildi. e= Xetta&  gildirY;ttflagiWslaustrbyrgWheildeWaaWhluta.0skilmlum_vtryggingarinnar_ 0 skuluverareglurumtreikning_iWgjalds_ԀfyrirslktilvikeWavsaWtilslkrareglna.'0t    & a 18.gr. i EndurnUjunogbreyting_vtryggingarskilmlum_ԀviWendurnUjunvtryggingar. \4    y N_vtrygging_ԀaWgildatiltekinntma,eittr'akuԀeWalengur,ogflagiWhyggstekki ' _framlengja_ԀhanaframyfirYanntmaogskalYaWYtilkynna_vtryggingartaka_ԀYaWsWasta  lagitveimurmnuWumWuren_vtryggingartmabiliW_Ԁerenda.AWWrum&  kostiframlengist  _vtryggingart'xmabiliW_Ԁeittr. `   y FlagiWgetureinungisneitaWaWendurnUja_vtryggingu_Ԁskv.1.mgr.Yegarfyrirliggja S+! srstakarstWursemleiWatilYessaWsanngjarnteraWsegjahenniupp.XegarsynjaWerum " endurnUjungildakvWi2._mlsl_.2.mgr.15.gr.og3.mgr.smugreinar.XaWsemsegir # YessarimlsgreinekkiviWef;tvrtteraf_vtryggingarsamningi_ԀaWvtrygginginskulifalla  $ rgildiYegar_vtryggingartmabilinu_ԀlUkur. !W%  y ViljiflagiWbreytaskilmlum_vtryggingarinnar_ԀviWendurnUjunhennarskalYaW,umleiW J""& ogkrafiWerumiWgjldfyrirnsta_vtryggingartmabil_,afhenda_vtryggingartaka_ԀhinanUju #' skilmlaoggeragreinfyrirYeimbreytingumsemorWiWhafafrfyrriskilmlum.Susettar #( nUjar_varWarreglur_ԀskalflagiWafhenda_vtryggingartaka_ԀeintakafnUjureglunumoggera $ ) greinfyrirYeimbreytingumsemorWiWhafafrfyrrireglum.HeimilteraWvsatil v%N!* _varWarreglna_ԀefsanngjarnteraWtlasttilaW_vtryggingartaki_ԀYekkitilefnisYeirra.0Yeim A&"+ tilvikumskalupplUstaWflagiWmuniafhenda_vtryggingartaka_Ԁeintak_varWarreglnanna_,sem  '", vsaWertil,&  sYess;skaW.FlagiWgeturekkiboriWfyrirsig_skilmlabreytingu_Ԁefreglum '#- Yessararmlsgreinarerekkifylgt.''& (z$. Ї  _IV_.KAFLI (  AlmennarforsendurfyrirbyrgWflagsins.   19.gr.  Skylda_vtryggingartaka_ԀtilaWveitaupplUsingarumhttuna. a    y ViWgerWeWaendurnUjun_vtryggingarsamnings_ԀgeturflagiW;skaWeftirupplUsingumum T, atviksemhaftgetaYUWingufyrirmatYesshttu.SlkraupplUsingaskalaflaWbeinthj  _vtryggingartaka,_ԀeWaeftiratvikumvtryggWum,semskalveitarttogtmandisvrviW  _spurningum_Ԁflagsins.SamaviWYegar_vtryggingartaki_ԀveitirupplUsingarfyrirhnd   _vtryggWs._ԀSupplUsingannaaflaWhjWrumen_vtryggingartaka_ԀeWavtryggWumskalWur  X enYeirraeraflaWliggjafyrirskriflegt,upplUstsamYykkiYesssemaflaWerupplUsingaum. K #  _Vtryggingartaki,_ԀogeftiratvikumvtryggWur,skaleinnigaWeiginfrumkvWiveita    _upplUsingar_Ԁumsrstkatviksemhannveit,eWamvita,aWhafaverulegaYUWingufyrirmat    _flagsins_Ԁhttu.    y VerWi_vtryggingartaka_Ԁlj;staWhannhefurveittrangareWa;fullngjandiupplUsingarum wO  httunaskalhannn_stWulauss_ԀdrttarskUraflaginufrYv. B    20.gr.   TakmrkunbyrgWflagsinsvegnavanrkslu_upplUsingaskyldu_. {     y Hafi_vtryggingartaki_Ԁsviksamlegavanrkt_upplUsingaskyldu_Ԁsnaskv.19.gr.og nF _vtryggingaratburWur_ԀhefurorWiWberflagiWekkibyrgWgagnvarthonum. 9  y Hafi_vtryggingartaki_ԀmeWWrumhttivanrkt_upplUsingaskyldu_ԀsnaYeimmliaW  ekkitelst;verulegtmfellabyrgWflagsinsniWurheildeWaaWhluta.  & ,  y ViWmatbyrgWflagsinsskv.2.mgr.skallitiWtilYesshvaWaYUWinguvanrksla r _vtryggingartaka_ԀhefurhaftfyrirmatYesshttu,tilYesshveskhansvarmikil,meW e= hvaWahtti_vtryggingaratburWur_ԀhefurorWiWogtilatvikaaWWruleyti. 0 ',ԋ  &  21.gr.       @ RtturflagsinstilaWsegjaupp_vtryggingunni_ i YegarrangarupplUsingarhafaveriWveittar. \4  y NverWurflaginulj;staWYrupplUsingarsemYaWhefurfengiWumhttunaerurangar ' eWa;fullngjandisvoverulegunemi'ԀoggeturYaWYsagt_vtryggingunni_ԀuppmeW14daga  fyrirvara.Regla2.mgr.15.gr.gildirumuppsgnina.Hafi_vtryggingartaki_ԀviWhaft  _sviksamlega_ԀhttsemigeturflagiWslitiW_vtryggingunni_,svoogWrum `  _vtryggingarsamningum_ԀsemYaWhefurgertviW_vtryggingartaka_,nfyrirvara. S+!   &  22.gr. # TakmarkanirheimildumflagsinstilYess  $ aWberafyrirsig;fullngjandiupplUsingar. !W%    y FlagiWgeturekkiboriWfyrirsigaWYaWhafifengiWrangareWa;fullngjandiupplUsingar J""& efYaWvissi,eWamttivita,aWsvovarYeg'arYaWfkkYr.SamagildirefatvikYauer #' _upplUsingarnar_ԀvarWaskiptuekkimlifyrirflagiWeWageraYaWekkilengur.Efhttsemi #( _vtryggingartaka_Ԁer_sviksamleg_Ԁframangreindtakmrkun1._mlsl_.YvaWeinsviWaWflagiW $ ) hafivitaWaWupplUsingarnarsemYaWfkkvorurangareWa;fullngjandi. v%N!*   A&"+   &   23.gr. ( TakmrkunbyrgWvegnaatvikasemeru;lj;sogekkierhgtaWupplUsa.     y EfflagiWafsrstkumstWumekkikostYvaWaflaupplUsingaumtiltekinatvik  geturYaWgertfyrirvaraumaWberaekkibyrgWYeimatvikumeWatakmarkaWbyrgWsna a Yeim.SunntaWaflaupplUsingannaaWk'(veWnumtmaliWnumgildir_byrgWartakmrkunin_ T, aWeinsYanntma.    24.gr.   TakmrkunbyrgWvegnabreytinga_vtryggWri_Ԁhttu.  X    y FlagiWgeturgertfyrirvaraumaWYaWslaustrbyrgWheildeWaaWhlutaeftiltekin K #  atvik,semhafaverulegaYUWingufyrirhina_vtryggWu_Ԁhttu,breytast.Slkanfyrirvaram    Y;ekkigeraefvtryggWurhvorkivissinmttivitaaWatvikbreyttusteWaefYaWaW    _vtryggingaratburWur_ԀverWurervegnaannarrastWnaenhinnabreyttuatvika.     25.gr. B  _Fyrirvari_Ԁumlkkunb;tavegnabreytinga_vtryggWri_Ԁhttu.       y FlagiWgeturgertfyrirvaraumaWbyrgWYess_vtryggingaratburWi_ԀskulilkkaaW_tiltlu_   efkvrWun_iWgjalds_ԀerskUrlegahWYvhvernighinnvtryggWihluturernotaWurogaWfylgt {  skveWnum_varWarreglum_. nF  y Fyrirvara,semgreinir1.mgr.,verWurekkibeittefbreytingar_vtryggWri_Ԁhttueru 9 ekkiorsk_vtryggingaratburWar._ԀHonumverWurheldurekkibeittefYreruhvorkiaf  _vldum_Ԁ_vtryggWs_ԀnmeWsamYykkihansoghannhefurgertYrrWstafanirsemsanngjarnar  mteljatilaWupplUsaflagiWumYrn_stWulauss_ԀdrttarfrYvaWhannvissiumYr. r   26.gr. 0 Brot_varWarreglum_.     y FlagiWgeturgertfyrirvaraumaWYaWskulilaustrbyrgWheildeWaaWhlutaef  _varWarreglum_Ԁerekkifylgt.SlkanfyrirvarageturflagiWY;ekkiboriWfyrirsigefekkier i viW_vtryggWan_ԀaWsakasteWaskhanser;verulegeWaYaWaW_vtryggingaratburWur_Ԁhefur \4 orWiWverWurekkirakiWtilbrotahans.X;ttflagiWgetisamkvmtYessarigreinboriWfyrir ' sigaW_varWarreglum_ԀhafiekkiveriWfylgtmsamtleggjaYaWbyrgWaWhlutameWhliWsj;n  afYvhverskonar_varWarreglu_Ԁvarekkisinnt,sk_vtryggWs_,hvernig_vtryggingaratburW_  baraWogatvikumaWWruleyti. `    &  27.gr. " VtryggWurveldur_vtryggingaratburWi_. #    y EfvtryggWurhefurafsetningivaldiWYvaW_vtryggingaratburWur_ԀvarWberflagiWekki  $ byrgW. !W%  y HafivtryggWurWrum_vtryggingum_'Ԁen_byrgWartryggingum_,meWhttsemisemtelja J""& verWurst;rkostlegtgleysi,valdiW_vtryggingaratburWi_ԀlosnarflagiWrbyrgWheildeWa #' aWhluta.ViWmatbyrgWflagsinsskalltatilsakar_vtryggWs_,hvernig_vtryggingaratburW_ #( baraW,hvortvtryggWurvarundirhrifumfengiseWafkniefnasemhannhafWisjlfviljugur $ ) neyttogatvikaaWWruleyti. v%N!*  y FlagiWgeturekkiboriWfyrirsigaWvtryggWurhafivaldiW_vtryggingaratburWi_Ԁef A&"+  _httsemi_ԀhanstelstekkisetningureWast;rkostlegtgleysi.  '", & ,   y FlagiWgeturekkiboriWfyrirsigreglurnarYessarigreinefvtryggWur,eWassemskv. ( 29.gr.er_samsamaWur_Ԁhonum,gatvegnaaldurseWaandlegsstandsekkigertsrgreinfyrir  _afleiWingum_Ԁhttsemisinnar.  ',(#  28.gr. T, Skylda_vtryggWs_ԀtilaWhindra_vtryggingaratburW_Ԁogtilkynnaumhann.     y SyfirvofandihttaaW_vtryggingaratburWur_ԀverWi,eWaefhannerorWinn,skal  _vtryggWur_ԀgeraYaWsemmeWsanngirnierunntaWtlasttilafhonumtilaWhindraeWa   _takmarka_Ԁtj;n.  X  y MegivtryggWumveralj;staWflagiWgtiWlast_endurkrfu_ԀhendurYriWjamanniskal K #  hanngeraYaWsemnauWsynkrefurogmeWsanngirnimtlasttilafhonumtilaWtryggja    _krfuna_ԀYartilflagiWgetursjlftgtthagsmunasinna.     y Hafi_vtryggingaratburWur_ԀorWiWskalvtryggWurskUraflaginufrYvn_stWulauss_   drttar. wO   y HafiorWiWtj;nvegnaYessaWvtryggWurhefurafsetningieWast;rkostlegugleysi B  _vanrkt_Ԁskyldursnarskv.1.!3.mgr.mfellabyrgWflagsinsniWurheildeWaaWhluta.    ViWmatYvskalltatilsakar_vtryggWs_,hvernig_vtryggingaratburW_ԀbaraWogatvikaaW   Wruleyti. {    &  29.gr. 9 Httsemittingja_vtryggWs_,aWstoWarmannahansog  annarrasemtengjasthonummeWsvipuWumhtti.     y 0_vtryggingum_,semtengjastekkiatvinnustarfsemi,er;heimiltaWsemjameWYeimhtti r aWvtryggWurglatirttisnumtilb;tavegnahttsemittingjahans,aWstoWarmannaog e= _annarra_ԀsemhafaviWhannsambrilegtengsl.'9ʳ 0  y XrttfyrirkvWi1.mgr.msemjasvoumaW:  ! ! (h88="A0J"  A0JP y2h  a  .3  Ԉ0    viW_vtryggingu_Ԁkutkja,skipa,_loftfara_ԀeWaannarrafarartkjaoghsdUramegiflagiW  berafyrirsighttsemimannssemmeWsamYykki_vtryggWs_Ԁerbyrgurfyrirhinu i _vtryggWa,_A0JP}݌\4   Ќ  "A0J"  A0J y2h  b  .3  Ԉ0    viW_vtryggingu_ԀbWarhsnWis,_orlofshsnWis_Ԁog_innbs_ԀmegiflagiWberafyrirsig ' httsemimakahins_vtryggWa_ԀsembUrmeWhonumogmannssemhinnvtryggWibUr  meWfstu_varanlegu_Ԁsambandi.A0J˹݌   Ќ   y 0_vtryggingum_Ԁsemtengjastatvinnustarfsemim,meWYeimtakmrkunumsemleiWiraf `  1.mgr.41.gr.,semjaumaWvtryggWurgetiglataWrttisnumtilb;taheildeWaaWhluta S+! vegnahttseminnartilgreindramannaeWah;pa. "   30.gr.  $     RWstafanirsemgerWarerutilaWforWasttj;nmnnumeWamunum. !W% ʽ y FlagiWgeturekkiboriWfyrirsigkvWi26.!29.gr.efshttsemisemumrWirf;lsr J""& viWleitnitilYessaWkomavegfyrirtj;nmnnumeWamunumogteljamhanahafaveriW #' _rttltanlega_ԀmiWaWviWaWstWur. #(   31.gr. v%N!*     _Tilkynningarskylda_ԀflagsinsefYaWhyggstberafyrirsig A&"+ rtttiltakmrkunarbyrgW.  '",  y NhyggstflagiWberafyrirsigaWYaWslaustrbyrgWheildeWaaWhlutasamkvmt '#- reglumYessakafla,eWaYaWhafirtttilYessaWsegjaupp_vtryggingunni_,ogskalYaWY (z$. _tilkynna_Ԁ_vtryggingartaka_ԀeWavtryggWumYafstWusna.Tilkynninginskalsendn ( _stWulauss_ԀdrttareftiraWflaginuvarWkunnugtumatviksemleystgtuYaWundanbyrgW.  0YessusambandiskalflagiWeinnigupplUsaummguleikatilYessaWberalitaefniundir  _rskurWarnefnd_Ԁskv.141.gr. a  y VanrkiflagiW_upplUsingaskyldu_Ԁsnaskv.1.mgr.glatarYaWrttitilaWbera T, _byrgWartakmrkun_Ԁfyrirsig.    V.KAFLI    _IWgjaldiW_.   X 32.gr. K #  Gjalddagi,fyrstatilkynning.       y XegargreiWsla_iWgjalds_ԀerekkiskilyrWiYessaWbyrgWflagsinssamkvmt    _vtryggingarsamningi_ԀhefjistfellurYaWgjalddagaYegargreiWsluYesserkrafistsamkvmt   samningnum.GreiWslufresturskalveraeinnmnuWurhiWskemmstafrYeimdegisem wO  flagiWsendi_tilkynningu_ԀumgreiWslutil_vtryggingartakans_.HafibyrgWflagsinshafist B  helsthnframY;ttgreiWslasekki_innt_Ԁafhendiinnanhinstilgreinda_frests_.     y Hafi_vtrygging_ԀveriWtekinmeWeinhliWayfirlUsingu_vtryggingartaka_Ԁm_greiWslufrestur_   Y;verasjdagarhiWskemmstafrYeimdegiergreiWsluvarkrafist.Hafi_iWgjaldiW_ԀekkiveriW {  greittviWYaW_tmamark_Ԁer_vtryggingaflaginu_Ԁheimilt,YrttfyrirkvWi1.mgr.,aWfella nF _vtrygginguna_ԀniWur,endahafiYaWupplUst_vtryggingartaka_,ergreiWsluvarkrafist,aWYaW 9 mundinUtasrrttsinntilniWurfellingar.    &  33.gr. r _GreiWsludrttur_Ԁ_iWgjaldi_,sWaritilkynningar. e=    y SiWgjaldekkigreittYegar_greiWslufresti_ԀlUkurskv.1.mgr.32.gr.ogflagiWberbyrgW 0 geturYaWlosnaWundanhennimeWYvaWsendanUjatilkynninguYarsemgreiWsluerkrafist  _innan_Ԁ14daga.TilkynninginskalskUrlegabera'meWsraWvtrygginginfalliniWuref  _iWgjaldiW_Ԁerekkigreittinnanhins_tilskilda_Ԁ_frests_. i  y NersUntframaW_vtryggingartaki_ԀhafiekkigetaWgreittfyrirlok_frests_Ԁskv.1.mgr. \4 vegna;fyrirsWrahindranasemhonumverWurekkiumkenntoghelstYbyrgWflagsins ' YrjmnuWitilviWb;tareftirlok_frestsins_.   y Ef_iWgjaldiW_Ԁergreitteftirlok_greiWslufrestsins_Ԁ1.mgr.beraWltagreiWslunasem;sk  umnUja_vtryggingu_.Regla3.mgr.13.gr.gildirYmeWsamahtti,enbyrgWflagsins `  hefstY;fyrstdaginneftiraW_iWgjaldiW_Ԁergreitt. S+!   34.gr. # HvenrteljabergreiWslu_innta_Ԁafhendi.  $    y X;ttflagiWhafiekki_m;ttekiW_ԀgreiWsluskalltasvoaWhnhafiveriW_innt_Ԁafhendi !W% Yegar: J""& ! ! (h88"A0J"  A0J y2h  a  .3  Ԉ0    peningar,tkkieWannursambrilegvsunersendtilflagsinsp;stieWameWskeyti,A0J݌#'   Ќ  "A0J"  A0J y2h  b  .3  Ԉ0    _fjrhWin_Ԁergreiddtilp;sthss,bankaeWa_sparisj;Ws_ԀeWaA0J ݌#(   Ќ  "A0J"  A0JG y2h  c  .3  Ԉ0    fyrirmliumgreiWsluerusendtilbankaeWa_sparisj;Ws_ԀeWasendmeW&  Wrum $ ) _;afturkallanlegum_Ԁhtti.'$WA0JGt݌v%N!*      A&"+   &   _VI_.KAFLI (  AlmennarreglurumbyrgWflagsins.   35.gr.  Btreikningurb;ta._VtryggingarverWmti_. a    y SekkiumannaWsamiW_vtryggingarsamningi_ԀvtryggWurrttfullumb;tumfyrir T, _fjrtj;n_Ԁsitt.'(<   y EfkveWabtursamrmiviW_viWgerWarkostnaW_ԀeWa_endurkaupsverW_ԀgeturvtryggWur  krafistb;tafyrirslkankostnaWY;ttviWgerWeWa_endurkaup_ԀhafiekkittsrstaW.Xettagildir   Y;ekkiefannaWleiWiraf_vtryggingarskilmlum_ԀeWalgum.  X  y VtryggWurgeturkrafistgreiWslub;tapeningumYegarannaWleiWirekkiaf K #  _vtryggingarskilmlum_ԀeWalgum.      36.gr.   BundiW_vtryggingarverW_. wO     y SamningiumaWtiltekiWtj;nskulibttmeWkveWnuverWimvkjatilhliWarsamkvmt B  krfuflagsinsef_vtryggingartaki_ԀhefurgefiWrangareWa;fullngjandi_upplUsingar_Ԁum    atviksemhfWuYUWingufyrirverWkvrWunina.kvWi19.!23.gr.og31.gr.gildaeftirYv   semviWgeturtt. {    37.gr. 9 _Tvtrygging_.     y Efsamatj;nfellurundirfleirieneina_vtryggingu_ԀgeturvtryggWurvaliWhvaWa  _vtryggingu_ԀhannvillnotaYartilhannhefurfengiWYrbtursemhannkrfutil. r & a  y Effleirieneitt_vtryggingaflag_ԀberabyrgWtj;niskv.1.mgr.skuluYau,sekkium e= annaWsamiW,greiWa_vtryggingu_ԀhlutfallslegaeftirbyrgWhversYeirraumsig_tj;ninu_. 0 'aek  38.gr.  byrgWflagsins_bjrgunarkostnaWi_. i    y FlagiWberbyrgWtj;niogkostnaWisemvtryggWurverWurfyrirviWYraWstWurer \4 greinir28.gr.YegarmarkmiWmeWrWstfunumvaraWforWasttj;nsemfellurundir ' _vtrygginguna_ԀeWatakmarkaYaWog_rWstafanirnar_Ԁteljastsrstakarog_rttltanlegar_.HiW  samaviWumtj;nogkostnaWermaWur,semskv.29.gr.varskyltaWgera  _bjrgunarrWstafanir_,verWurfyrir. `   y SvtryggWurskyldurtilaWbtatj;nsemvaldiWerYriWjamannivegna_rWstafana_Ԁer S+! greinir1.mgr.gildakvWi44.gr.umYaWtj;n. "   &  _VII_.KAFLI  $  RtturYriWjamannssamkvmt_vtryggingarsamningi_.  !W% 39.gr. J""& Hverjum_vtrygging_Ԁertilhagsb;ta. #'    y 0_vtryggingum_Ԁsemekkieruteknarvegnaatvinnustarfsemiervtryggingintilhagsb;ta #( fyrir_vtryggingartakann_,makahansog' YԀaWrasemteljasttil_heimilisf;lks_Ԁhans. $ ) & a  y _Vtrygging_Ԁfasteignertilhagsb;tafyrir_vtryggingartakann_Ԁogfyrir_rtthafa_ԀaW v%N!* _YinglUstum_Ԁeignarrtti,veWrttieWaWrum_YinglUstum_Ԁ_tryggingarrttindum_Ԁeigninni. A&"+ 'av% y Um_vtryggingu_Ԁlausafjr,semhgteraWskrsrstaklega_lausafjrb;k_,_skipab;k_Ԁog  '",  _bifreiWab;k,_Ԁsbr.2.!4._tlul_.1.mgr.8.gr._YinglUsingalaga_,nr.39/1978,_rekstrartkja_,sbr. '#- 2.mgr.& a  24.gr.lagaum_samningsveW_,nr.75/1997,og_vrubirgWa_,sbr.2.mgr.33.gr.smu ( laga,gildakvWi2.mgr.einnigefrttindumer_YinglUst_ԀeWaYauskrWviWkomandiskr.   y H'a(eimilteraWvkjafrkvWi1.!3.mgr.meWsamningi.    40.gr. T, Eigendaskipti.     y EfeigendaskiptiverWaaWvtryggWumhlutogekkierumannaWsamiWgildir_vtrygging_  einnigtilhagsb;tafyrirhinnnUjaeiganda.UmvtryggingarYrsemgreinir2.og3.mgr.   39.gr.gildirYettaeinnigY;ttrttindumhinsnUjaeigandasekki_YinglUst_ԀeWaYauskrW.Ef  X samiWerumaW_vtrygging_ԀskulifallabrottviWeigendaskiptiaWvtryggWumhluterflagiW K #  samtbyrgtef_vtryggingaratburWur_ԀverWurinnan14dagafreigendaskiptum.     y Regla1.mgr.gildirekkiefhinnnUieigandihefursjlfurtekiW_vtryggingu_Ԁogheldurekki    viW_bfjrtryggingar_.     41.gr. B  Vernd_meWvtryggWs_Ԁgegnm;tbrumflagsins.       y Ssem_vtryggWa_Ԁhagsmuniskv.39.og40.gr.YarfekkiaWstaYvaWflagiWberifyrir   sighttsemi_vtryggingartaka_ԀeWaannars_vtryggWs_Ԁsemgreinirreglum_IV_.kaflaeWa47.gr. {   y FlagiWgeturY;boriWfyrirsigatviksemgreinir2.mgr.29.gr.gagnvartmakaogWru nF _heimilisf;lki_Ԁ_vtryggWs_,sbr.1.mgr.39.gr. 9  y Gagnvart_rtthafa_Ԁlausaf,semnUtur_vtryggingarverndar_Ԁskv.3.mgr.39.gr.,sbr.  40.gr.,erY;heimiltaWvkjafrreglumYessarargreinarmeWsamningum.    & , 42.gr. e= StaWa_meWvtryggWs_ԀaWWruleyti. 0    y S_vtryggingarsamningi_Ԁbreytt,honumsagtuppeWaslitiWhefurYaWekkirttarhrif  gagnvart_meWvtryggWum_Ԁskv.2.og3.m',e]gr.39.gr.efflagiWhefurekkitilkynntYaW  _srstaklega_ԀtilhansmeWmnaWarfyrirvara. i  y Srtti_veWhafa_ԀraskaWgeturflagiWekkimeWbindandihttifyrir_meWvtryggWan_Ԁskv. \4 2.og3.mgr.39.gr.samiWviW_vtryggingartaka_Ԁumuppgjr_vtryggingarb;ta_Ԁngreittbtur ' til_vtryggingartaka_._MeWvtryggWir_ԀgetaekkiandmltYvaWll_vtryggingarfjrhWin_Ԁs  greiddtil_vtryggingartaka_ԀYegarendurbturhafafariWframeWasetterfullngjanditrygging  fyrirYvaW_vtryggingarbtur_ԀverWinotaWartilendurb;ta._MeWvtryggWir_Ԁgetaheldurekki `  andmltYvaWbtursulagWarinnreikningbankasem_vtryggingartaki_Ԁog S+! _meWvtryggWur_ԀgetaeinungisfariWmeWsameiginlega. " & a  y kvWi2.mgr.gildirgagnvart_meWvtryggWum_Ԁskv.1.mgr.39.gr.og40.gr.efhann # hefurtilkynntflaginuumrttsinn.  $ 'an  43.gr. J""& SamiWumstWu_meWvtryggWs_. #'    y Ef_vtrygging_Ԁereinnigtilhagsb;tafyrirannanen_vtryggingartakann_ԀgildakvWi1. #( mgr.41.gr.og42.gr.eftirYvsemviW,sekkiumannaWsamiW. $ )   v%N!*   &   44.gr. ( StaWatj;nYolaviW_byrgWartryggingu_.     y Ef_vtrygging_Ԁtekurtiltj;ns_vtryggWs_Ԁvegna_skaWab;tabyrgWar_Ԁsemhannbergetur  tj;nYolikrafistb;tabeintfrflaginu.FlaginuogvtryggWumerskyltaWupplUsatj;nYola a um_byrgWartryggingu_Ԁshnfyrirhendi.'(M T,  y EfframkemurkrafaumbturhendurflaginuskaltilkynnaYaWvtryggWumn  _stWulauss_ԀdrttarogveitahonumupplUsingarummeWferWkrfunnar.ViWurkenning  _flagsins_ԀatriWumsemltaaWbyrgWerekkibindandifyrir_vtryggWan_.    y Ntilkynnirtj;nYoliflaginuaWhannhyggisthfWamlhendurYvoggeturYaWY  X krafistYessaWhannbeinimlshfWuninnieinniggegnvtryggWum.SkalflagiWtilkynna K #  tj;nYolaumYkrfusnanstWulausrartafarogsannanleganhtt.Mlisemtj;nYoli    hfWarhendurflaginueftirviWtkuslkrartilkynningarskalvsaWfrd;miefflagiW    krefstYess.ShfWaWmlhendurflaginunundanfarandi_tilkynningar_ԀumYaWgetur   flagiWgertkrfuYessaefnis,endakomihnframekkisWarengreinargerW.HfWitj;nYoli wO  afYessutilefniekki_sakaraukningu_ԀinnanmnaWarfrYvaWkrafaflagsinskomframskal B  mlinuvsaWfrd;miaWkrfuYess.     y FlagiWgeturhaftuppismum;tbrurgegnkrfutj;nYolaoghinnvtryggWi.FlagiW   getureinnighaftuppiaWrarm;tbrurgegntj;nYola,svofremiYreigiekkir;tsnaaWrekja {  tilhttsemi_vtryggWs_ԀeftiraW_vtryggingaratburWur_ԀvarW. nF  y MlhendurflaginuskalhfWa0slandiefannaWleiWirekkiaf_Yj;Wrttarlegum_ 9 _skuldbindingum_Ԁ0slands.   y kvWiYessarargreinarstandaYvekkivegiaWssemstundaratvinnustarfsemifalli  frrttisnumtilYessaWkrefjastskaWab;tabeintfrflaginu.SlkursamningurhefurY; r ekkirttarhrifviWgjaldYrot_vtryggWs_. e=   45.gr.  StaWatj;nYolaviW_lgboWna_Ԁ_byrgWartryggingu_.     y Ef_vtryggingartaki_ԀhefurtekiW_byrgWartryggingu_ԀtilYessaWfullngja_lagaskyldu_Ԁgilda i kvWi44.gr.aWYvleytisemumstWutj;nYolagildaekkisrstakarreglur. \4  y FlagiWgeturY;ekkihaftuppim;tbrur,semYaWgathaftuppigagnvarttj;nYolaeWa ' _vtryggWum,_ԀefYaWvissieWamttivitaaWumvriaWrWa_lgboWna_Ԁ_byrgWartryggingu_.  & ,  y SlgboWinni_byrgWartryggingu_Ԁsagtupp,eWaefhnfellurniWurafWrumstWum,  hefurYaWhrifgagnvarttj;nYolaaWliWnummnuWifrYvaWviWkomandistj;rnvaldfkk `  _tilkynningu_Ԁflagsinsumbrottfallhennar,endagildiekkiumYaWsrstakarreglur. S+! ',L  &  46.gr. # StaWatj;nYolaviWbyrgWartryggingarteknar  $ tengslumviWviWamiklaatvinnustarfsemi. !W%    y Ef_vtrygging_,semfellurundir2.mgr.3.gr.lagaYessara,tekurtil_skaWab;tabyrgWar_ J""& _vtryggWs_ԀerflagiWbyrgtgagnvarttj;nYola':ԀmeWsamahttioggreinir44.gr.Krafa #' _vtryggWs_Ԁ&  hendurflaginugeturekkiorWiWgrundvllurfullnustuWrumkrfumen #( _skaWab;takrfunni'#._ $ )  y Nhefurb_vtryggWs_ԀveriWtekiWtil_gjaldYrotaskipta_ԀoggildaYkvWi44.og45.gr., v%N!* sbr.og2.og3.mgr.49.gr. A&"+  y :heimilteraWvkjafrkvWumYessarargreinarefYaWleiWirtillakaristWutj;nYola.  '",   '#-   &   _VIII_.KAFLI (  Uppgjr_vtryggingarb;ta_,_fyrning_Ԁ_o.fl_.   47.gr.  _UpplUsingaskylda_Ԁ_vtryggWs_ԀviWuppgjrb;ta. a    y ViWuppgjrb;taskalvtryggWurve'(?itaflaginuYrupplUsingarogYauggnsemhann T, hefurundirhndumogflagiWYarftilYessaWmetabyrgWsnaoggreiWabtur.   y EfvtryggWurveitirafsetningirangareWa;fullngjandiupplUsingarsemhann&  veiteWa  mvitaaWl'neiWatilYessaWhannfrgreiddarbtursemhannekkirtttilfellurniWurallur   rtturhanssamkvmtYessumogWrum_vtryggingarsamningum_Ԁvegnahinstiltekna  X _vtryggingaratburWar._ԀShttsemi_vtryggWs_Ԁekkialvarleg,hnvarWiaWeinsltinnhluta K #  _krfunnar_ԀeWasrstakarstWurmlameWgeturhannY;fengiWbturaWhluta.kvWi31.    gr.gildireftirYvsemviWgeturtt.     y 0Yeimtilvikumsemgreinir2.mgr.geturflagiWsagtuppllum_vtryggingarsamningum_   snumviW_vtryggWan_ԀmeWeinnarvikufyrirvara.kvWi1.og2._mlsl_.2.mgr.15.gr.gilda wO  eftirYvsemviWgeturtt. B    48.gr.   GreiWslab;ta. {     y KrefjamumgreiWslub;ta14dgumeftiraWflagiWttiYesskostaWaflaYeirra nF _upplUsinga_ԀsemYrfvartilYessaWmeta_vtryggingaratburWinn_ԀogkveWafjrhWb;tanna. 9 Efauglj;stverWurWurenendanlegtuppgjrb;tageturfariWframaWflagiWskuliaW  minnstakostigreiWahlutaYeirraskalYaWinnaafhendi_hlutagreiWslu_ԀsemYvnemur.    49.gr. e= HeimildflagsinstilaW_skuldajafna_. 0    y Xegar_vtryggingartaki_ԀWlastrtttilb;tahefurflagiWaWeinsrtttilaW_skuldajafna_  _vangoldnu_Ԁ_iWgjaldi_ԀvegnaYeirrarvtryggingarsemumrWireWaannarrasemhannhefurhj  flaginugegnb;tumsemYvberaWgreiWa. i  y XegarbtureigaaWgreiWast_meWvtryggWum_ԀYriWjamannieWatj;nYolaviW \4 _byrgWartryggingu_ԀgeturflagiWaWeins_skuldajafnaW_Ԁ_iWgjaldi_Ԁvegnasama ' _vtryggingarsamnings_._SkuldajfnuWur_ԀgeturaWeinsttsrstaWvegnaYeirrafjrhWasem  ekkierunntaWf_greiddar_Ԁskv.1.mgr.Sumfleiri_meWvtryggWa_ԀeWatj;nYolaaWrWasem  eigarttb;tumskalskipta_skuldajfnuWinum_ԀhlutfallslegaYrfjrhWirsemYeirf `  greiddar. S+!  y ViW_lgboWna_Ԁ_byrgWartryggingu_Ԁgildirregla2.mgr.45.gr.meWsamahttium " _skuldajafnaWarrtt_Ԁflagsinsgagnvarttj;nYola. #   & , 50.gr. !W% Vextir. J""&    y VtryggWurrttalmennumvxtumafkrfusinniYegarliWnirerutveirmnuWirfrYv #' aWtilkynningum_vtryggingaratburW_Ԁvarsendflaginu.',!- #(  y EigiflagiWaWbta_tlagWan_ԀkostnaW_vtryggWs_ԀstofnastskyldatilgreiWslualmennra $ ) vaxtafyrsttveimurmnuWumeftiraWhannhefur_innt_ԀgreiWsluafhendi.Semtgjldskv.1. v%N!* _mlsl_.teljasteinnigbturvegna_endurbyggingar_ԀviW_brunatryggingar_.FyrirYannhluta A&"+ _b;tanna_ԀsemgreiWa;hW_endurbyggingu_Ԁgildirregla1.mgr.  '",  y EigiflagiWaWbtatj;nvegnarekstrarstWvunareWa_afnotamissis_Ԁstofnastskyldatil '#- greiWsluvaxtamnuWieftirlokYesstmabilssemflaginuberaWbta. (z$. & a  y VanrkivtryggWuraWveitaflaginuupplUsingareWaafhendaggnsemtilgreinderu ( 1.mgr.47.gr.geturhannekkikrafistvaxtafyrirYanntmasemlWurafYessumstWum.  'a(X2HiWsamaviWefvtryggWurhafnaruppgjriheildeWaaWhlutameW_;rttmtum_Ԁhtti.  SkyldantilaWgreiWavextinafellureinnigniWurYegarflagiWleggurbturnar a _bankareikning_ԀsamrmiviW_lokakvWi_Ԁ2.mgr.42.gr. T,  y NerkrafaumbturmiWuWviWverWlagsWaren_vtryggingaratburWur_ԀttisrstaWogskal  YkrafanberavextisamkvmtframansgWusemmiWastviWYaW_tmamark_.   y AlmennirvextirsamkvmtYessarigreinskuluverahinirsmuoggreiWaberskaWabtur   samkvmtlgumumvextiog_verWtryggingu_,nr.38/2001.UmdrttarvextigildareglurIII.  X kaflaYeirralaga. K #   y VextiskalgreiWaY;ttgreiWslaflagsinsheildverWimeWYvhrrien    _vtryggingarfjrhWin._Ԁ0_vtryggingarskilmlum_Ԁskalvakinathyglirttitilvaxtasamkvmt    Yessarigrein.     51.gr. B  _Frestur_ԀtilaWtilkynnaum_vtryggingaratburW_Ԁogtil_lgfrWilegra_ԀaWgerWa.       y VtryggWurglatarrttitilb;taefhanntilkynnirflaginuekkiumkrfusnainnanrsfr   YvaWhannvissiumatviksemhnerreist. {   y EfflagiWhafnarkrfu_vtryggWs_ԀheildeWaaWhlutaglatarhannrttitilb;tannaefhann nF hefurekkihfWaWmleWakrafistmeWferWarmlsinsfyrir_rskurWarnefnd_Ԁskv.141.gr.innan 9 rsfrYvaWhannfkkskriflegatilkynninguumaWkrfuhansvrihafnaW.0slkri  _tilkynningu_ԀerskyltaWgeta_framangreinds_Ԁ_frests_,meWhvaWahttiunnteraWrjfahannog  _afleiWinga_ԀYessaWekkieraWhafstfyrirlokhans. r   52.gr. 0 _Fyrning_.     y Krafaumbturfyrnistfj;rumrum.FresturinnhefstviWlokYess_almanaksrs_Ԁer  _vtryggWur_ԀfkknauWsynlegarupplUsingarumYauatviksemerugrundvllurkrfuhans. i _Krafan_ԀfyrnistY;sWastalagiturumfrlokumYess_almanaksrs_Ԁer \4 _vtryggingaratburWur_ԀvarW.HafiflagiWsentvtryggWumtilkynningusemgreinir2.mgr. ' 51.gr.fyrnistkrafanfyrstYegars_frestur_ԀlWursemYarertilgreindur.   y 0&  _byrgWartryggingum_ԀfyrnistbyrgWflagsinssamkvmtsmureglumoggildaum  _fyrningu_Ԁ_skaWab;tabyrgWar_.'cA `   y AWWruleytigildakvWilaganr.14/1905,um_fyrning_Ԁskuldaogannarra_krfurttinda_. S+! Fresturinnskv.3._mlsl_.1.mgr.framlengistY;ekkisamrmiviW15.gr._sWastgreindra_ " laga. #   _IX_.KAFLI !W%  Srstakarreglurum_h;pvtryggingar_.  J""& 53.gr. #' TengslviWnnurkvWilaganna. #(    y EfekkileiWirannaWafkvWumYessakaflagildaaWrarreglurYessahlutalagannaeinnig $ ) um_h;pvtryggingar_ԀaWYvleytisemviWgeturtt. v%N!*   A&"+   & ,  54.gr. ( Efni_h;pvtryggingarsamnings_.     y Samningurum_h;pvtryggingu_ԀskalhafaaWgeymaskilmla_vtryggingarinnar_ԀeWareglur  umhvernigkvarWaskuliY.',(YF a 0 y AukYessskalsamningium_h;pvtryggingu_ԀkveWiWum:T,y y  ! ! (h88"A0J"  A0J*I y2h  a  .3  Ԉ0    hverjirsuoggetiorWiWhlutiafh;piYeimsemvtryggingintekurtil,A0J*IWI݌   Ќ  "A0J"  A0JZJ y2h  b  .3  Ԉ0    hvortheimiltsaWgerafyrirvaraumYtttku,A0JZJJ݌   Ќ  "A0J"  A0JkK y2h  c  .3  Ԉ0    hvernigYtttakendurverWiframhlutiafh;pnum,gerifyrirvaraviWaWverWahlutiaf   honumoghttihonum,A0JkKK݌ X   Ќ  "A0J"  A0JL y2h  d  .3  Ԉ0    hvorthaldinskuliskryfir_Ytttakendurna_Ԁog,efsvoer,hvortskrinskulihaldinaf K #  _vtryggingartaka_ԀeWaflaginu,A0JLM݌     Ќ  "A0J"  A0JN y2h  e  .3  Ԉ0    hvort_iWgjaldiW_ԀskuligreiWastflaginuaf_vtryggingartakanum_ԀeWaafhverjumeinstkum    Ytttakandah;pnum,A0JNN݌    Ќ  "A0J"  A0J6P y2h  f  .3  Ԉ0    skyldur_vtryggingartaka_ԀviWtilkynningartileWafrYtttakendumh;pnumogA0J6PcP݌wO    Ќ  "A0J"  A0JQ y2h  g  .3  Ԉ0    hvaWaskilyrWiYurfiaWverafyrirhenditilYessaWbyrgWflagsinshefjisteWahgts B  aWhaldahenniviW.A0JQQ݌     Ќ    55.gr. {  UpplUsingarum_vtrygginguna_. nF    y FlagiWog_vtryggingartaki_ԀskulutryggjameWfullngjandihttiaWYeirsemeru,eWa 9 getaorWiW,Ytttakendurh;pnumfiupplUsingarumatriWisemnefnderu54.gr.ogum  _viWb;tarvtryggingar_ԀsemgtiveriWheppilegtfyrirYaWaflasr.UpplUsingarYessarskal  gefaYegar_h;pvtryggingu_ԀhefurveriWkomiWogsWarerefnistandatil.Efskilmlarnir r komaekkifram_vtryggingarsamningnum_ԀskaleinnigupplUsaviWkomandiumY. e= _Takmarkanir_Ԁnotkun,_varWarreglur_ԀogfrestitilaWtilkynnaum_vtryggingaratburW_,sbr.10. 0 gr.,skaltilgreinasrstaklega.    56.gr. i _Vtryggingarskrteini_. \4    y ShaldinskryfirYtttakendurh;pisem_h;pvtrygging_Ԁtekurtilskalssemheldur ' skrnan_stWulauss_ԀdrttarsjtilYessaWhverssemtelstYtttakandifi  _vtryggingarskrteini_ԀeWastaWfestafritYessogYskilmlasemum_vtrygginguna_Ԁgilda.   y NhefurmaWurfengiW_vtryggingarskrteini_ԀeWaafritYessskv.1.mgr.ogerYhvorki `  unntaWberafyrirsigaWhannfullngiekki_skilyrWum_ԀtilYessaWveraYtttakandih;pnum S+! semvtryggingintekurtilnaWhanneigiekkirttYeimgreiWslumsemframkoma " _vtryggingarskrteininu._ԀXettagildirY;ekkiefYaWleiWirskUrlegaaf_skrteininu_ԀaWhann # _uppfylli_Ԁekki_skilyrWin_ԀeWaeigiekkiYrkrfurumgreiWslusemhanngerir.Xettaheldur  $ ekkiviWefflagiWlosnarrbyrgWheildeWaaWhlutasamkvmtreglum20.gr.,eWahefur !W% sent_aWvrun_ԀumsliteWabreytinguskilmlum_vtryggingarinnar_Ԁskv.58.eWa59.gr. J""&   57.gr. #( UpphafbyrgWarflagsins. $ )    y SekkiumannaWsamiWeWaYaWleiWiafatvikumhefstbyrgWflagsinsYegar v%N!*  _samningurinn_ԀergerWur. A&"+ & ,   y FyrirYtttakandah;pnumsemsWarkemurtiltelstupphafbyrgWarflagsinsYegarsend ( ertilkynningumaWildhanssamkvmtsamningnumeWagreittiWgjaldfyrirhanneWa,s  _tilkynningar_Ԁekkikrafist,YegarhannhefuruppfylltskilyrWitilYessaWveraYtttakandi.  ',(_ y kvWi4.mgr.13.gr.gildirumupphafbyrgWarsamkvmtYessarigrein. a   & , 58.gr.  Lok_vtryggingarinnar_.     y XegarYtttakandih;pisemnUtur_h;pvtryggingar_,ogskrerhaldinum,httirh;pnum   fellur_vtrygging_ԀniWuraWYverhannva',brWarfyrstalagi14dgumeftiraWflagiWeWa  X _vtryggingartaki_Ԁsendirhonumskriflegatilkynningu.0_h;pvtryggingu_ԀYarsemekkier K #  _haldin_ԀskryfirYtttakendurh;pnumeWaYegarskriflegtilkynningerekkisendfellur    _vtrygging_ԀfyrstniWurtveimurmnuWumeftiraW_Ytttakandinn_Ԁhttih;pnum.kvWi1.    og2._mlsl_.gildaekkief_Ytttakandinn_ԀhefurtekiWaWra_vtryggingu_ԀeWagengiWinnaWra   _sambrilega_Ԁ_h;pvtryggingu_. wO   y Ef_vtryggingartaki_ԀeWaflagiWsegiruppeWaendurnUjarekki_vtryggingu_,eWaefbyrgW B  flagsinsfellurniWurvegna_vangreiWslu_Ԁ_vtryggingartaka_Ԁ_iWgjaldi_,skalsendaskriflega    _tilkynningu_ԀtilYeirraYtttakendasemeruskr,shnfrW,enellameWWrum   fullngjandihtti.FyrirhverneinstakanYtttakandafellurvtrygginginfyrstniWurmnuWi {  eftiraW_tilkynning_ԀersendsamkvmtframansgWueWahannfkkmeWWrumhttivitneskju nF umatvik.kvWi3._mlsl_.1.mgr.gildirsamkvmtYessarimlsgreineftirYvsemviWgetur 9 tt.   y kvWiYessarargreinargildaekkium_vtryggingu_Ԁsemsamkvmtefnisnuereinungis  tmabundin. r   59.gr. 0 Breytingskilmlum.     y Efskilmlum_h;pvtryggingar_ԀerbreyttYannigaWYaWrUristWu_Ytttakendanna_Ԁgilda  kvWi2.mgr.58.gr.eftirYvsemviWgeturtt. i   60.gr. '     TilkynningartileWafreinstkumYtttakendumh;pisemnUtur_h;pvtryggingar_.  m y Nertilkynningvegnavtryggingarsend_vtryggingartaka_ԀogerYekkihgtaWberaYaW  fyrirsigaWhnhafiekkikomiWtilflagsins.XettaY;ekkiviWef_Ytttakandinn_ԀhafWi `  stWutilaWtlaaW&  ԀtilkynninginhefWiekkikomiWtilflagsinsoghannttiYesskostaW S+! _tilkynna_ԀYvumYaW.'Sp "  y Hafi_vtryggingartaka_ԀveriWskyltsamkvmtlgumYessumeWasamningiaWsenda # _tilkynningu_ԀtilYtttakendah;pisemnUtur_h;pvtryggingar_,engerirYaWekki,hefur  $ _athafnaleysi_ԀhanssmurttarhrifgagnvartYeimogefflagiWhefWisUntYaWafsr.Xetta !W% gildirY;ekkief_Ytttakandinn_ԀYekktiafWrumstWumtilefnis_tilkynningarinnar_Ԁog J""& sanngjarntmteljaaWhannhafittYesskostaWfaraeftirYv. #'   #(   &   II.HLUTI (  _Pers;nutryggingar_.   X.KAFLI   Inngangur.  a 61.gr. T, GildissviWII.hlutalaganna.     y Xessihlutilagannagildirumsamningaum_pers;nutryggingar_.'(t   y MeW_pers;nutryggingu_ԀerlgumYessumttviWlftryggingu,_slysatryggingu_Ԁog   _sjkratryggingu._Ԁ_Vtryggingu_ԀmtakavegnalfseWaheilsu_vtryggingartakans_ԀeWaannarra.  X  y XegarrtterumlftrygginguYessumhlutalagannaereinnigttviW_heilsutryggingu_Ԁn K #  _uppsagnarrttar_ԀnemaannaWstekiWfram.    & ,  y kvWiYessahlutalagannagildaekkium_endurtryggingar_Ԁogekkiheldurumtryggingar    lfeyrissj;Wa,samkvmtlgumsemumYgilda,ntryggingarsamkvmtlgumum   _almannatryggingar._ wO  ', ux  62.gr.    Skilgreiningar.      y 0Yessumhlutalagannahafaeftirtalinhugtkeftirfarandimerkingu: {  ! ! *(g08"A0J"  A0JR{ y2g  a  .3  Ԉ0    flagiW,ssemmeWsamningiskuldbindursigtilYessaWveita_vtryggingu_,A0JR{{݌nF   Ќ  "A0J"  A0J| y2g  b  .3  Ԉ0    _vtryggingartaki_,ssemgerir_einstaklingsbundinn_ԀsamningeWa 9 _h;pvtryggingarsamning_ԀviWflagiW;stelsteinnig_vtryggingartaki_ԀsemWlast  eignarrttaW_vtryggingunni_,A0J||݌   Ќ  "A0J"  A0J y2g  c  .3  Ԉ0    vtryggWur,smaWurhverslfseWaheilsuvtryggingintekurtil,A0J@݌r   Ќ  "A0J"  A0J@ y2g  d  .3  Ԉ0    _hfuWst;lstrygging_,_vtrygging_ԀYarsemflagiWskalgreiWatilteknafjrhWsemY;getur e= veriWskiptniWurfleirieneinngjalddaga,A0J@m݌0   Ќ  "A0J"  A0J y2g  e  .3  Ԉ0    _lfeyristrygging_,_vtrygging_ԀYarsemflagiWaWgreiWafjrhWfyrirtiltekiWtmabilsvo  lengisemtilgreindurmaWurlifireWaYartilhannnrkveWnumaldri,A0JG݌   Ќ  "A0J"  A0J y2g  f  .3  Ԉ0    _h;pvtrygging_,_vtrygging_Ԁsemtekurtilmannannartilteknumh;piogeftiratvikum i einnigmakaYeirra,barna_o.fl_.,A0J=݌\4   Ќ  "A0J"  A0J y2g  g  .3  Ԉ0    _vtryggingaratburWur_,atviksemsamkvmt_vtryggingarsamningi_ԀveldurYvaWtil ' greiWslub;tageturkomiW,A0J݌   Ќ  "A0J"  A0J y2g  h  .3  Ԉ0    _vtryggingarskrteini_,staWfestingflagsinsYvaW_vtryggingarsamningur_ԀhafiveriW  gerWurYarsemframkoma_m.a._ԀupplUsingarumhvaWa_vtryggingu_ԀsumaWrWa, `  _vtryggingartaka_Ԁog_vtryggWan_,svoogYrupplUsingarsemgreinir70.gr.,A0Jć݌S+!   Ќ  "A0J"  A0Jz y2g  i  .3  Ԉ0    rtthafi,ssem_vtryggingartaki_Ԁtilgreinir_vtryggingarsamningi_ԀogrtttilYessaW " fvtryggingarfjrhWinagreiddaeftiraW_vtryggingaratburWur_ԀhefurorWiW.A0Jz݌#   Ќ    &  63.gr. !W% _:frvkjanlegar_Ԁreglur. J""&    y :heimilter,nemaannaWstekiWfram,aWvkjafrkvWumYessahlutalagannameW #' _samningi_ԀefYaWleiWirtillakaristWuYesssemWlastkrfuhendurflaginusamkvmt #( _vtryggingarsamningi.'!_ $ )   v%N!*   &   _XI_.KAFLI (  _UpplUsingaskylda_Ԁflagsins.   64.gr.  UpplUsingarviWtkuvtryggingar. a    y ViWtkuvtryggingar,semfellurundirYennanhlutalaganna,skalflagiW,eWassem T, kemurframfyrirYesshnd,sjtilYessaW_vtryggingartaki_ԀfinauWsynlegarWgjfum'(ю  _hvernig_ԀYrfumhansum_vtryggingarvernd_ԀermttmeW_vtryggingunni_.   y FlagiWskalveita_vtryggingartaka_ԀupplUsingarummikilvgatriWiYeirrategunda   _vtrygginga_ԀsemfullngtgetaYrfhansfyrir_vtryggingarvernd_.FlagiWskalmeWalannars  X veitaupplUsingarumgildistma_vtryggingarsamnings_,skilmla,iWgjld,_g;Wahlutdeild_ K #  _Yegar_ԀviWogtakmarkanir_gildissviWi_Ԁ_vtryggingarinnar_ԀmiWaWviWYaWsem    _vtryggingartaki_ԀmmeWrttutlaaWhntakitil.     y Ef_aWilarnir_ԀgetaekkivaliWlghverslandseigiaWgildaum_vtryggingarsamninginn_Ԁskal   flagiWupplUsaYumlgin. wO   y & a XskalflagiWupplUsaumhvaWaaWilarhafimeWhndumYj;nustuvegna_kvrtunar_ԄeWa B  greiningsmlaertengjast_vtryggingarsamningum_,svoogumrtthlutaWeiganditilaWskj;ta    mlumtild;mst;la.'aB7     65.gr. nF Srstk_upplUsingaskylda_. 9    y Wuren_vtryggingarsamningur_ԀergerWur_greinaflokkum_Ԁ_lftrygginga_ԀogWrumsem  leyfierveittfyrirskv.23.gr.lagaum_vtryggingastarfsemi_,nr.60/1994,og  _samningstmanum_Ԁskal,Yegar_skuldbinding_Ԁkemsthrlandi,sbr.8.gr._sWastgreindra_ r laga,_vtryggingartaki_Ԁ_upplUstur_ԀslenskuumeftirfarandiatriWi: e= ! ! (գ80 *"A0J"  A0Jƛ y2գ  a  .3  Ԉ0    allartegundirb;tasemsamningnumfelastogumrtttilbreytingaYeim 0 _samningstmanum,_A0Jƛ݌   Ќ  "A0J"  A0J: y2գ  b  .3  Ԉ0    gildistma_lftryggingarinnar_,A0J:g݌   Ќ  "A0J"  A0JT y2գ  c  .3  Ԉ0    hvernigsamningnumverWisagtupp,A0JT݌i   Ќ  "A0J"  A0JU y2գ  d  .3  Ԉ0    hvernigiWgjldskuligreidd,hvelengioghvernigYeimverWibreyttsamningstmanum,A0JU݌\4   Ќ  "A0J"  A0J y2գ  e  .3  Ԉ0    hvernig_g;Wahluti_ԀerreiknaWuroghvernigoghvenrhannverWigreiddur,A0J݌'   Ќ  "A0J"  A0J y2գ  f  .3  Ԉ0    reglurum_endurkaup_Ԁog_frtryggingu_ԀogaWhvaWamarki_byrgst_ԀeraWrtturtilYesss  fyrirhendi,A0J݌   Ќ  "A0J"  A0J y2գ  g  .3  Ԉ0    sundurliWuniWgjaldahverjagrein_lftrygginga_Ԁ(_b;tategunda_)ogvegna_aukagreina_ `  YegarYreruinnifaldar,A0JΣ݌S+!   Ќ  "A0J"  A0Jl y2գ  h  .3  Ԉ0    um_lftryggingar_Ԁtengdarfjrfestingum,skilgreininguYeim_hlutaeiningum_Ԁsemtengdar " erub;tum,A0Jl݌#   Ќ  "A0J"  A0J y2գ  i  .3  Ԉ0    um_lftryggingar_Ԁtengdarfjrfestingum,hverseWliseigniraWbaki_hlutaeiningum_Ԁeru,A0J0݌ $   Ќ  "A0J "  A0Jz y2գ  j  .3  Ԉ0    hvernighttaWerrtti_vtryggingartaka_ԀtilaWhttaviWaWtakalftrygginguna,A0Jz݌!W%   Ќ  "A0J "  A0Jө y2գ  k  .3  Ԉ0    umskattasemberaWgreiWavegna_lftryggingarinnar_.A0Jө݌J""&   Ќ   y &  Auk_lftryggingarskilmla_,bWialmennraskilmlaog_srskilmla_,semltnirskulut, #' skal_vtryggingartaki_Ԁ_samningstma_Ԁ_lftryggingar_ԀupplUsturumeftirfarandi:'# #( ! ! *(g08 "A0J"  A0JL y2g  a  .3  Ԉ0    _srhverjar_ԀbreytingarvarWandiatriWiersnertaheitiflagsins,flagsform,heimilisfang $ ) aWalstWvaYessogYegarviWYess_tibs_ԀsemsamningurergerWurviW,A0JLy݌v%N!*   Ќ  "A0J"  A0J; y2g  b  .3  Ԉ0    _srhverjar_ԀbreytingarvarWandi_vtryggingarskilmla_ԀeWabreytingarlgumersnerta A&"+ a!hliWi1.mgr.,A0J;h݌ '",     "A0J"  A0J y2g  c  .3  Ԉ0    rlegaumstWu_inneignar_Ԁvegna_g;Wahluta_.A0J݌'#-   Ќ   y & a  HeimilteraWveitaupplUsingarskv.1.og2.mgr.Wrutungumliensegir1.mgr.aW ( fenginnibeiWni_vtryggingartaka_ԀeWaYegar_vtryggingartaki_ԀgeturvaliWumYlggjfsem  gildirumsamninginn.'a(C   y Hafisamningurumlftryggingutil_a.m.k._ԀsexmnaWakomistogsum a _einstaklingslftryggingu_ԀaWrWaskalflagiWtilkynna_vtryggingartaka_Ԁumgildistku T, _samningsins._Ԁ_Vtryggingartaki_Ԁskalhafa30dagafresttilaWsegja_vtryggingunni_Ԁuppfr  Yeimtmaerhonumbarsttilkynningin.SkrifleguppsgnleysiraWilaundanllumskyldum  semsWarhefWileittafsamningnum.    y RttarhrifogskilyrWiuppsagnarfaraaWWruleytieftirYeimlgumsemumsamninginn  X gilda. K #   y AlmenningiskalheimillaWganguraWupplUsingumumYanngrundvllsemtreikningur    _lftryggingarskuldar_Ԁog_g;Wahlutar_Ԁerreistur.      &  66.gr. wO  Tunguml_vtryggingarskilmla_. B     y _Vtryggingarskilmlar_,semboWnireruhrlandiogfallaundirYennanhlutalaganna,    skuluveraslenskueWaWrutungumlisem_vtryggingartaki_ԀsamYykkiroggerirhonum   kleift,WurengengiWerfr_vtryggingars'wDamningi_,aWtileinkasrYaukvWi_skilmlanna_ {  semskiptamliumefniYeirra,_vtryggingarvernd_ԀogYaukjrsemboWieru. nF   67.gr.  _UpplUsingaskylda_ԀumflagiW.     y _Vtryggingartaki_ԀskalvalltupplUsturumheiti,flagsformogaWseturYessflagssem r _vtrygginguna_ԀbUWurog_vtryggingarhttuna_ԀberWurenhannerskuldbundinnsamkvmt e= _vtryggingarsamningi._ԀXegarviWskal_vtryggingartaki_ԀupplUsturumaWseturYess_tibs_ 0 sem_vtryggingarsamningur_ԀergerWurviW.UpplUsingarnarskuluvalltkomaframbrfum  ogWrumtilkynningumtil_vtryggingartaka_,svoogheitiogaWsetur&  aWalstWvaflagsins  Yegarumt'iberaWrWa. i  y llbindanditilboW,_vtryggingarsamningar_ԀoggildiYeirraskuluhafaaWgeyma \4 _upplUsingar_ԀumheitiogaWseturYessflagssember_vtryggingarhttuna_ԀogaWalstWvar ' Yess.    68.gr. `  Skilrki. S+!    y HverssemhefurmeWhndumslu_vtrygginga_Ԁvegumvtryggingaflagsskal " _framvsa_Ԁfullngjandi_skilrkjum_ԀviWstrfsn,tgefnumafYvflagieWaflgumsemhann # starfarfyrir.  $   &  69.gr. J""& SkyldurflagsviWslu_vtrygginga_ԀogviWtj;n. #'    y _Vtryggingaflg_ԀskulusjtilYessaWstarfsemiaWilaskv.68.gr.sYannighttaWaWviW #( flun_vtrygginga_Ԁsgtthags_vtryggingartaka_,_vtryggWra_Ԁogannarrasemhafasrstakra $ ) _hagsmuna_ԀaWgta.'J" v%N!*  y _Vtryggingaflg_ԀskulusjtilYessaW_tj;nYolar_ԀfifullngjandiupplUsingarumb;tartt A&"+ sinnogsundurliWunYvhvernigbturtilYeirraerukveWnar.  '",   '#-   & a  70.gr. ( _Vtryggingarskrteini_.     y Xegarersamningurum_pers;nutryggin'a(gu_ԀhefurveriWgerWurogkveWiWerhvaWa  _skilmlar_Ԁgildium_vtrygginguna_ԀskalflagiWafhenda_vtryggingartaka_Ԁskrteinitil a staWfestingarYvaWsamningurskominnogvsatilskilmlahans.Auk_skrteinisins_Ԁskal T, flagiW_afhenda_Ԁ_vtryggingartaka_Ԁ_skilmlana_.   y 0_vtryggingarskrteini_Ԁskalkomafram:  ! ! (U80*"A0J"  A0J$ y2U  a  .3  Ԉ0    heitivtryggingar,A0J$Q݌    Ќ  "A0J"  A0J y2U  b  .3  Ԉ0    gildistmi_vtryggingarsamnings_,A0J@݌ X   Ќ  "A0J"  A0J/ y2U  c  .3  Ԉ0    hverjirsuaWilaraW_vtryggingarsamningnum_,A0J/\݌K #    Ќ  "A0J"  A0J^ y2U  d  .3  Ԉ0    iWgjaldvegna_vtryggingarinnar_ԀoggjalddagiYess,A0J^݌     Ќ  "A0J"  A0J y2U  e  .3  Ԉ0    rttingtil_vtryggingartaka_ԀumaWhannkynnisrkvWiskilmla_vtryggingarinnar_    ervarWafyrirvaraertengjastgreiWslu_iWgjalds_,takmrkunbyrgWar,_varWarreglur_Ԁerum   _vtrygginguna_ԀgildaogfrestitilaWtilkynnaum_vtryggingaratburW,_A0J݌wO    Ќ  "A0J"  A0Jd y2U  f  .3  Ԉ0    &  kvWi_vtryggingarsamningsins_Ԁsemekkikomafram_vtryggingarskilmlunum_,A0Jd݌B    Ќ  "A0J"  A0J y2U  g  .3  Ԉ0    hvaWa_frestur_ԀertilYessaWtilkynnaum_vtryggingaratburW_ԀYegarhannhefurorWiW,sbr.    1.mgr.124.gr.A0J݌    Ќ   y EfrtthafiertilnefndurviWtku_vtryggingarinnar_Ԁskalhanntilgreindur {  _vtryggingarskrteini._ nF 'B  71.gr.  UpplUsingar_vtryggingartmanum_.     y _vtryggingartmanum_ԀskalflagiWmeWfullngjandihttisjtilYessaW r _vtryggingartaki_ԀhafiupplUsingarumYYtti_vtryggingarsamnings_Ԁsemmikilvgterfyrir e= hannaWYekkja,_Y.m.t._ԀgreiWslu_iWgjalds_,_vtryggingarfjrhW_,_g;Wahlutdeild_ԀYegarviWog 0 tborgunhennarog_endurkaupsverW_ԀsamtrWstfunum_vtryggingunni_.SukveWnar  _srstakar_Ԁ_takmarkanir_Ԁ_vtryggingunni_,sbr.87.gr.,eWa_varWarreglur_,sbr.90.gr.,skal  flagiWeinnigminnaYr.FlagiWskaleinniggefaupplUsingarumaWrakostiviW i vtryggingarsemtilgreinakomaeWanUja_viWb;tarvtryggingarvernd_ԀsemYaWhefurboWiW \4 frameftiraW_vtryggingin_ԀvartekineWaendurnUjuWsWast. '  y Ef_vtrygging_ԀaWgildaeittreWaskemurskuluupplUsingarskv.1.mgr.veittarviW  endurnUjunhennar.    & , 72.gr. S+! _Eftirlitsskylda_Ԁ_Fjrmlaeftirlitsins_._ReglugerWarheimild_. "    y _FjrmlaeftirlitiW_ԀskalfylgjastmeWYvaW_upplUsingaskyldu_ԀsamkvmtYessumhluta # _laganna_Ԁsfullngt.',S  $  y ViWskiptarWherragetursettreglugerWmeWnnarireglumum_upplUsingaskylduna_. !W%   &  _XII_.KAFLI #'  _Vtryggingarsamningurinn_Ԁ_o.fl_.  #( 73.gr. $ ) Grundvllurmatsflagsins. v%N!*    y XegarflagiWtekurkvrWunumhvortYaWveitir_vtryggingu_Ԁogmeturhttusnaskal A&"+ YaWleggjatilgrundvallarheilsuhins_vtryggWa_ԀYv_tmamarki_Ԁer_vtryggingartaki_Ԁafhenti  '",  fullbnaums;knumtiltekna_vtryggin'#Agu_.FlagiWgetureinnigtekiWtillittilYessaWheilsu '#- _vtryggWs_Ԁ&   hefurhrakaWeftiraWums;knvarafhentefYaWtengistaWstWumsemvorufyrir ( hendiviWafhendinguhennarogskUrterfrviWathuganirYess.'(    74.gr. a _byrgWartminn_. T,    y NerannaWekkikveWiWlgumeWasamningioghefstYbyrgWflagsinsYegarYaW  eWa_vtryggingartakinn_ԀhefursamYykkttilboWhins.   y HafiflagiWsentskriflegtsamYykkitil_vtryggingartaka_ԀhefstbyrgWYesskl.0.00Yann   dagsem_samYykkiW_Ԁvarsent,aWYvtilskilduaWbeiWnium_vtryggingu_ԀhafikomiWtil  X _flagsins_ԀsWastalagideginumWur. K #   y Hafi_vtryggingartaki_ԀsentskriflegabeiWniumtiltekna_vtryggingu_Ԁoglj;steraWflagiW    hefWiYegarsamYykktbeiWninaberYaWbyrgWviWm;ttkuhennar.XettagildirY;ekkief    vstYykiraWflagiWhefWihafnaW_vtryggingunni_.FlagiWberheldurekkibyrgW   _afleiWingum_ԀatvikasemYegarhfWuttsrstaWYv_tmamarki_Ԁsemums;knvarsendef wO  YessiatvikhefWukomiWlj;sviWathugunflagsinsogleitttilYessaWums;knhefWiveriW B  hafnaW.    & ,  y EfbyrgWflagsinsaWhefjasttilteknumdegi,nYessaWYaWstilgreintnnar,hefst   byrgWinkl.0.00Yanndag.Eigi_vtrygging_ԀaWgildatilkveWinsdagsenekkiertiltekiW {  hvenrdagshennilUkurskallitiWsvoaWhenniljkikl.24.00. nF ',  75.gr.  Heimild_vtryggingartaka_ԀtilYessaWsegjaupp_vtryggingarsamningi_.     y _Vtryggingartaki_Ԁgetur,sumlftrygginguaWrWa,slitiWsamningnumhvenrsemer. r  y Nvill_vtryggingartaki_ԀsegjauppsamningiumslysaeWa_sjkratryggingu_ԀYegar e= _vtryggingartmabili_ԀlUkurogverWurhannYaWtilkynnaflaginuumYaWinnanmnaWarfr 0 YvYaWsendivenjulegatilkynninguumgjalddagahinsnUjatmabils.HonumerY;ekkiskylt  aW_tilkynna_Ԁflaginuumuppsgnfyrrentvrvikurerutillokatmabilsins.   y _Vtryggingartaki_Ԁgetur_vtryggingartma_ԀsagtuppgildandisamningiumslysaeWa i _sjkratryggingu_ԀefhannhefurekkilengurYrffyrir_vtrygginguna_ԀeWafyrirhendieruaWrar \4 srstakarstWur. '  y Sum_h;pvtryggingu_ԀaWrWaerheimiltaWvkjafrkvWum1.og3.mgr.  _vtryggingarsamningi._    &  76.gr. S+! HeimildflagsinstilYessaWslta_vtryggingarsamningi_Ԁ_vtryggingartmabili_.'S "    y SumlftrygginguaWrWageturflagiWekkislitiW_vtryggingarsamningi_ԀWrum # _tilvikum_Ԁengreinir84.gr.  $  y SumaWrWaslysaeWa_sjkratryggingu_ԀgeturflagiWslitiW_vtryggingarsamningi_Ԁsem !W% gildiersamkvmtreglum84.gr.og3.mgr.120.gr.0WrumtilvikumgeturflagiWYv J""& _aWeins_Ԁsagtupp_vtryggingarsamningi_ԀaWfyrirhendisusrstkatviksemskUrlegaeru #' _tilgreind_Ԁ_vtryggingarskilmlum_,endamegiteljauppsgninasanngjarna.FlagiWgeturY; #( ekkiskiliWsrrtttiluppsagnarvegnaYessaWheilsuhins_vtryggWa_ԀhafihrakaWeftiraW $ ) _vtryggingin_Ԁvartekin. v%N!*  y UppsgninverWuraWfaraframn_stWulauss_ԀdrttareftiraWflaginuvarWkunnugtum A&"+ atviksemveittuYvrtttilhennar.Uppsgninskalveraskriflegogrkstudd.Sekki  '",  _kveWinn_Ԁstyttri_frestur_ԀlgunumskaluppsagnarfrestureigiveraskemmrientveirmnuWir. '#-  y _FlagiW_Ԁ&   skaltilkynninguumuppsgnskUrafrmguleikumYvaWleggjagreiningum ( hanafyrir_rskurWarnefnd_Ԁskv.141.gr.'("   y XaWsemsegirumuppsgn2._mlsl_.,sbr.3._mlsl_.,2.mgr.gildireinnigumfyrirvara  YessefnisaW_vtrygging_ԀfallirgildieftiltekinatvikeigasrstaW. a   77.gr.  UppgjrYegar_vtryggingarsamningi_ԀerslitiW_vtryggingartma_.     y Ner_vtryggingarsamningi_ԀslitiW_vtryggingartmabilinu_ԀogskalYreikna   _vtryggingartaka_ԀtilteknaverWmti_vtryggingarinnar_,_Y.m.t._ԀiWgjald,fyrirYanntmasem  X hannhefurgreittog_vtrygging_Ԁerekkigildi.XettaviWY;ttflagiWslaustrbyrgW K #  heildeWaaWhluta.     y 0skilmlumskuluverareglurumtreikningverWmti_vtryggingarinnar_Ԁog_iWgjalds_    fyrirYessitilvikeWavsaWtilslkrareglna.     &  78.gr. B  AWvrunumlok_lftryggingar_.       y NerumYaWsamiWaWlftryggingskuligildaYrjreWalengurogskalYflagiW   skemmstYremurmnuWumWuren_vtryggingartmabilinu_ԀlUkurvara_vtryggingartaka_ԀviW {  aW_vtryggingunni_ԀmuniljkaogupplUsa'BhannumhugsanleganrtthanstilaWframlengja nF hana.HafivtrygginginveriW_framlengd_ԀerYriggjarafresturinnreiknaWurfrYeimtmaer 9 hnvarfyrsttekin.    79.gr. r EndurnUjunslysaeWasjkratryggingarogbreytingskilmlum. e=    y NslysaeWa_sjkratrygging_ԀaWgildatiltekinntma,eittreWalengur,ogflagiW 0 hyggstekkiframlengja_vtrygginguna_ԀframyfirYanntmaogskalYaWYtilkynna  _vtryggingartaka_ԀYaWsWastalagitveimurmnuWumWuren_vtryggingartmabiliW_Ԁer  enda.AWWrumkostiframlengist_vtryggingartmabiliW_Ԁumeittr. i  y FlagiWgetureinungisneitaWaWendurnUja_vtryggingu_,semnefnder1.mgr.,Yegarfyrir \4 liggjasrstakarstWur.XegarsynjaWerumendurnUjungildakvWi2._mlsl_.3.mgr.76. ' gr.og4.mgr.smugreinar.XaWsemsegirYessarimlsgreinekkiviWef;tvrtteraf  _vtryggingarsamningi_ԀaW_vtrygging_ԀskulifallargildiYegar_vtryggingartmabilinu_ԀlUkur.   y N;skarflagiWeftirnUjum&  upplUsingumumhttunatengslumviWendurnUjunog `  verWurYaWYaWsendaskriflega' Ԁfyrirspurntil_vtryggingartaka_.EllaendurnUjast S+! _vtryggingin_ԀYeimgrundvellisemfyrirlYegar_vtryggingartakinn_ԀsWastgafupplUsingar " umhttuna. #  y ViljiflagiWbreytaskilmlum_vtryggingarinnar_ԀviWendurnUjunhennarskalYaW,umleiW  $ ogkrafiWerumiWgjldfyrirnsta_vtryggingartmabil_,afhenda_vtryggingartaka_ԀhinanUju !W% skilmlaoggeragreinfyrirYeimbreytingumsemorWiWhafafrfyrriskilmlum.Breytingar J""& semekkiergerWgreinfyrirmeWYessumhttigeturflagiWekkiboriWfyrirsig. #'  y FlagiWgeturekkiskiliWsrrtttilaWbreytaskilmlumslysaeWasjkratryggingum #( _vtryggingartmabilinu_. $ )   v%N!*   &   80.gr. ( HeimildtilaWhaldaframlftrygginguYegar_endurkaupsverWiW_ԀhefurveriWgreitt.     y S_endurkaupsverW_Ԁeinstaklingsbundinnar_lftryggingar_Ԁgreitt_vtryggingartaka_ԀeWa  _krfuhafa,_Ԁsbr.107.og111.gr.,getur_vtryggingartaki_ԀnYessaWveitanUjar a  _heilsufarsupplUsingar_'(ԀkrafistYessaWvtryggingingildiframYaWsemeftirerafupphaflega T, umsmdum_vtryggingartma_Ԁsemhrein_httutrygging_ԀaW_frdregnu_Ԁ_endurkaupsverWi_.   y FlagiWskalsWastalagiviWgreiWslu_endurkaupsverWsins_ԀupplUsa_vtryggingartaka_Ԁum  rttinntilaWhalda_vtryggingunni_Ԁfram.Krafaumslka_vtryggingu_Ԁskalsettframminnst   fj;rummnuWumeftiraWtilkynningvarsend.  X   81.gr.    _BrWabirgWavernd_Ԁlftryggingum.       y HafiflagiWgertfyrirvaralftrygginguumaWbyrgWYesshefjistekkifyrrenfyrsta   _iWgjald_ԀergreittskalYaWbj;Wa_vtryggingartaka_Ԁ_brWabirgWavernd_Ԁvegnaandltssemekki wO  tengist_heilsufarsstandi_Ԁ_vtryggWs_ԀYv_tmamarki_Ԁer_brWabirgWaverndin_ԀWlastgildi. B   y LeiWiekkiannaWafkvWum4.mgr.eWasamningiaWilahefst_brWabirgWaverndin_Ԁstrax    ogiWgjaldfyrirhanaergreitt._Verndin_ԀfellurniWureffullngjandiums;knumkveWnar   _vtryggingar_ԀerekkisendflaginusWastalagimnuWieftiraW_brWabirgWaverndin_ԀWlaWist {  gildi.Sslkums;knsendfellur_brWabirgWaverndin_ԀniWurYegars_vtrygging_Ԁsems;ttvar nF umersamYykkteWahennihafnaW,Y;sWastalagieinummnuWieftiraW_vtryggingartaki_ 9 hefurfengiWtilkynninguumgreiWslu_iWgjalds_ԀfyrirY_vtryggingu_Ԁsems;tterum.Hafi  _flagiW_ԀsenttilboWum_vtryggingu_ԀmeWWrumskilmlumfellur_verndin_ԀniWurYegar  fresturinntilaWsamYykkjatilboWiWerliWinn. r  y _BrWabirgWaverndin_ԀskalverahinsamaogverndYeirrarvtryggingarsems;tterumef e= ekkiergerWur_skilnaWur_ԀumlgrifjrhWskilmlumhennar. 0  y HafiflagiWekkisWastalagiYegarums;knumkveWna_vtryggingu_Ԁer_m;ttekin_Ԁgert  _vtryggingartaka_ԀgreinfyrirmguleikanumYvaWf_brWabirgWavernd_ԀberflagiWsmu  byrgWogsverndhefWiveriWumsamin. i   &  _XIII_.KAFLI '  AlmennarforsendurfyrirbyrgWflagsins.   82.gr.  Skylda_vtryggingartaka_Ԁog_vtryggWs_ԀtilYessaWveitaupplUsingarumhttu. `  Takmarkanir_upplUsingagjf_. S+!    y meWanflagiWhefurekkisamYykktaWveita_vtryggingu_ԀgeturYaW;skaWeftir " _upplUsingum_ԀsemhafaYUWingufyrirmatYess''!_httunni_.SlkraupplUsingaskalaflaWbeint # hj_vtryggingartaka,_ԀeWaeftiratvikumvtryggWum,semskalveitarttogtmandisvrviW  $ _spurningum_Ԁflagsins.SamaviWYegar_vtryggingartaki_ԀveitirupplUsingarfyrirhnd !W% _vtryggWs._ԀSupplUsingannaaflaWhjWrumen_vtryggingartaka_ԀeWavtryggWumskalWur J""& enYeirraeraflaWliggjafyrirskriflegt,upplUstsamYykkiYesssemaflaWerupplUsingaum. #' _Vtryggingartaki_,ogeftiratvikumvtryggWur,skaleinnigaWeiginfrumkvWiveita #( _upplUsingar_Ԁumsrstkatviksemhannveit,eWamvita,aWhafaverulegaYUWingufyrirmat $ ) _flagsins_Ԁhttu. v%N!* & a  y XrttfyrirkvWi1.mgr.erflaginu;heimilt,fyrireWaeftirgerWsamningsum A&"+ _pers;nutryggingu,_ԀaW;skaeftir,aflameWeinhverjumWrumhtti,takaviWeWahagnUtasr  '", _upplUs'aA&s(ingar_ԀumerfWaeiginleikamannsoghttuYvaWhann_Yr;i_ԀmeWsreWafi '#- sjkd;ma._Flaginu_Ԁereinnig;heimiltaW;skaeftirranns;knumsemteljastnauWsynlegartil (z$. YessaW_kostur_ԀsaWfslkarupplUsingar.FramangreintbanngildirY;ekkiumathugun ( nverandieWafyrraheilsufarimannsinseWaannarraeinstaklinga.   y _Synji_ԀflagiWaWveita_pers;nutryggingu_ԀskalYaWrkstyWja_synjunina_ԀseftirYvleitaW.    83.gr. T, byrgWflagsinsYegar_upplUsingaskylda_Ԁervanrkt.     y Hafi_vtryggingartaki_ԀeWavtryggWursviksamlegavanrkt_upplUsingaskyldu_Ԁsnaskv.1.  mgr.82.gr.og_vtryggingaratburWur_ԀhefurorWiWberflagiWekkibyrgW.    y Hafi_vtryggingartaki_ԀeWavtryggWurellavanrkt_upplUsingaskyldu_ԀsnaYeimmliaW  X ekkitelst;verulegtmfellabyrgWflagsinsniWurheildeWaaWhluta. K #   y ViWmatbyrgWflagsinsskv.2.mgr.skallitiWtilYesshvaWaYUWinguvanrkslanhefur    haftfyrirmatYesshttu,tilYesshveskinvarmikil,meWhvaWahtti    _vtryggingaratburWur_ԀhefurorWiWogtilatvikaaWWruleyti.     &  84.gr. B  RtturflagsinstilYessaWsegjaupp_vtryggingunni_Ԁogtilbreytinga    _vtryggingarsamningi_ԀYegar_upplUsingaskylda_Ԁervanrkt.      y NverWurflaginulj;st_vtryggingartmanum_ԀaW_upplUsingaskylda_ԀhefurveriWvanrkt {  ogsvanrksla_vtryggingartaka_ԀeWa_vtryggWs_Ԁtelstekki;verulegoggeturYaWYsagtupp nF _vtryggingunni_ԀmeW14dagafyrirvara.'B1kvWi3.mgr.76.gr.gildameWsamahtti.Hafi 9 _vtryggingartaki_ԀviWhaftsviksamlegahttsemigeturflagiWY;slitiW_vtryggingunni_,svoog  Wrum_vtryggingarsamningum_ԀsemYaWhefurviW_vtryggingartaka_,nfyrirvara.   y EftlamaWflagiWhefWi,Y;ttYaWhefWihaftrttarupplUsingar,veitt_vtrygginguna_ r gegnhrra_iWgjaldi_ԀeWameWWrumkjrumgetur_vtryggingartaki_Ԁinnanuppsagnarfrests e= krafistYessaWviWhalda_vtryggingunni_Ԁslkumskilmlum.SvofremisemekkiersamiW 0 umnUjaskilmlagildirupphafleg_vtrygging_ԀmeWYeimtakmrkunumsemleiWiraf2.og3.  mgr.83.gr.,enY;ekkilengurenYrjmnuWifruppsgn.RtturinntilYessaWviWhalda  _vtryggingunni_ԀsamkvmtYessarimlsgreingildirekkiefsvikumhefurveriWbeitt. i  y & a FlagiWskaluppsgngera_vtryggingartaka_ԀgreinfyrirYvaWhanngetittkost \4 _framhaldandi_Ԁ_vtryggingu_ԀogmeWhvaWaskilmlum.Krefjist_vtryggingartaki_ ' _framhaldandi_Ԁvtryggingar'a\o:geturflagiW;skaWeftirnUjumupplUsingumsemYverYrf  viWmatsitt.    85.gr. S+! TakmarkanirheimildumflagsinstilYessaWberafyrirsig_upplUsingaskort_. "    y FlagiWgeturekkiboriWfyrirsigaWYaWhafifengiWrangareWa;fullngjandiupplUsingar # efYaWvissieWamttivitaaWsvovarYegarYaWfkkYr.SamagildirefatvikYauer  $ _upplUsingarnar_ԀvarWaskiptuekkimlifyrirflagiWeWageraYaWekkilengur.Efhttsemi !W% _vtryggingartaka_ԀeWa_vtryggWs_Ԁer_sviksamleg_Ԁframangreindtakmrkun1._mlsl_.Yv J""& aWeinsviWaWflagiWhafivitaWaWupplUsingarnarsemYaWfkkvorurangareWa #' ;fullngjandi. #(  y 0lftryggingumgeturflagiWaWeinsboriWfyrirsigaW_upplUsingaskyldu_ԀhafiekkiveriW $ ) _fullngt_Ԁef_vtryggingaratburWur_ԀhefurorWiWeWaflagiWhefurveittviWvrunskv.94.gr. v%N!* innan&  tveggjarafrYvaWbyrgWYessh;fst.XessitakmrkungildirY;ekkiefsvikum A&"+ hefurveriWbeitt.'A&?B  '",   '#-   & ,  86.gr. ( _byrgWartakmrkun_Ԁvegna_heilsufars_Ԁ_vtryggWs_.     y Taki_vtrygging_ԀtilafleiWingasjkd;mseWameinsgeturflagiWekkigertfyrirvaraumaW  YaWslaustrbyrgWvegnaYeirratilvika',(2CaWsjkd;murinneWameiniWhafiveriWfyrirhendi a YegarbyrgWYessh;fst.Slkur_fyrirvari_ԀerY;gilduref: T, ! ! (88 "A0J"  A0JF y2  a  .3  Ԉ0    hannbyggistupplUsingumsemflagiWhefurfengiWmeWlgmtumhttiumhinn  _vtryggWa_,A0JFF݌   Ќ  "A0J"  A0JH y2  b  .3  Ԉ0    flaginuerafsrstkumstWum,Wrumergreinir2.mgr.82.gr.,tilokaWaWafla   _upplUsinga_ԀfrvtryggWum;slkumtilvikumerflagiWsamtbyrgtvegnasjkd;ms  X eWameinssemhinnvtryggWivissiekkiumYegarbyrgWYessh;fst,eWaA0JH2H݌K #    Ќ  "A0J"  A0JGJ y2  c  .3  Ԉ0    samiWerumaWflagiWafliekkiupplUsingaumheilsufar_vtryggWs_ԀviWtku    _vtryggingar;_ԀslkumtilvikumgeturflagiWgertfyrirvaraumaWYaWslaustrbyrgW    vegnasjkd;mseWameinssemhinnvtryggWivissieWamttivitaum.A0JGJtJ݌    Ќ   y 0sjkratryggingumgeturflagiWskilmlumgertfyrirvaraumaWYaWberieinungis wO  byrgWsjkd;mihafieinkennihanskomiWframeftirkveWiW_tmamark_.HiWsamaviW B  um_vtryggingu_ԀrorkutengslumviWlftryggingu.     y & a Hafitmabundin_vtrygging_ԀveriWendurnUjuWgetur_fyrirvarinn_ԀeinungisttviWum   _sjkd;m_ԀeWameinsemhinnvtryggWivarmeWervtrygginginvartekinupphafi. {  'a=N  87.gr. 9 _byrgWartakmrkun_Ԁvegna_httulegrar_Ԁstarfsemi.     y NhefurflagiWgertYannfyrirvaraumbyrgWsnaaWvtryggWurtakiekkiYtt  _tiltekinni_ԀstarfsemieWaathfnumeWasetjisigekkitilgreindahttuogerYaWsamtbyrgt r fyrir_vtryggingartilvikum_Ԁef_vtryggingaratburWur_ԀverWurekkivegnaYessarastWna. e=   88.gr.  _Fyrirvari_ԀumaWsamrmaiWgjaldaWstWum_vtryggWs_.     y HafiflagiWskiliWaW_iWgjaldiW_ԀskuliverahWaWstWum_vtryggWs_,svosemstarfihans i ogYesshttar,geturYaWgert_vtryggingartaka_ԀaWtilkynnaumbreytingarYeimaWstWum. \4 VerWislktilkynningekkigefinsWastalagiviWgreiWslufyrsta_iWgjalds_ԀeftiraWbreytingin ' varW,ogleiWivanrkslantilYessaW_iWgjaldiW_ԀverWiekkihkkaW,geturflagiWgertkrfuum  aWbyrgWYessfyrirsrhvert_vtryggingartilvik_ԀverWihlutfallslegalkkuW.ViWmat  _byrgWinni_ԀskalmiWaWviWYaWiWgjaldsemflagiWhefWikrafiWumefYaWhefWivitaWaf `  breytingumaWstWum_vtryggWs_.FlagiWskal_innheimtutilkynningum_Ԁvegna_iWgjalds_ S+! &  minna_vtryggingartakann_Ԁ_'XkvW_ԀYessa. "   89.gr.  $ _VtryggingaratburWi_ԀvaldiWafsetningi. !W%    y NveldurvtryggWurYvafsetningiaW_vtryggingaratburWur_ԀverWurogberflagiWY J""& ekkibyrgW.FlagiWberY;byrgWefvtryggWurvegnaaldurseWaandlegsstandsgerWisr #' ekkigreinfyrirafleiWingumgerWasinna.FlagiWgeturviWslysatryggingargertfyrirvaraum #( aWYaWberiekkibyrgW_sjlfsvgi_ԀeWa_sjlfsvgstilraun_ԀsemrakinverWurtilgeWveiki. $ )  y HafivtryggWurframiWsjlfsvg,eWagerttilrauntilYess,berflagiWbyrgWsum v%N!* _lftryggingu_ԀaWrWaefmeiraenrhefurliWiWfrYvaWbyrgWYessh;fsteWaefteljam A&"+ sannaWaWvtrygginginhafiveriWtekinnYessaWsjlfsvghafiveriWhafthuga.Hafi  '", _lftrygging,_Ԁ&  semtlaWeraWgildaskammantmaogtekuraWeinstil_dnarhttu_,veriW '#- _endurnUjuW_Ԁreiknast_rsfresturinn_ԀfrYvaWvtrygginginvarfyrsttekin.''] (z$. Ї  90.gr. ( _VtryggingaratburWi_ԀvaldiWafgleysi.     y HafivtryggWurWrum_vtryggingum_ԀenlftryggingumvaldiWYvafst;rkostlegugleysi  aW_vtryggingaratburWur_ԀvarWeWaafleiWingarhansurWumeirienellahefWuorWiWmlkka a eWafellaniWurbyrgWflagsins.HiWsamaviWefvtryggWurhefurafst;rkostlegugleysi T, valdiWYvaW_vtryggingaratburWur_ԀvarWmeWYvaWhltaekki_varWarreglum_.ViWrlausn  YessumatriWumskallitiWtilsakar_vtryggWs_,hvernig_vtryggingaratburW_ԀbaraW,hvort  _vtryggWur_ԀvarundirhrifumfengiseWafkniefnasemhannhafWisjlfviljugurneyttog   atvikaaWWruleyti.  X  y 0WrumtilvikumenYeimergreinir1.mgr.geturflagiWekkiboriWfyrirsigaWhinn K #  _vtryggWi_ԀhafiafgleysivaldiW_vtryggingaratburWi_.     y FlagiWgeturekkiboriWfyrirsigreglur1.mgr.efhinnvtryggWigatekkivegnaaldurs    eWaandlegsstandssnsgertsrgreinfyrirafleiWingumgerWasinna.     & a 91.gr. B  RWstafanirtilaWvarnatj;nimnnumeWamunum.       y FlagiWgeturekkiboriWfyrirsigkvW'aBei87.,89.eWa90.gr.efshttsemisemumrWir   f;lsrviWleitnitilaWkomavegfyrirtj;nmnnumeWamunumogteljamhanahafa {  veriW_rttltanlega_ԀmiWaWviWaWstWur. nF   92.gr.  Tilkynningum_vtryggingaratburW_.     y Nhefur_vtryggingaratburWur_ԀorWiWogskalYhverssemtelursigeigakrfuflagiW r skUrafrYvn_stWulauss_Ԁdrttar. e=  y GetiflagiWekkirannsakaWtildrg_vtryggingaratburWar_ԀsemYUWinguhafafyrirbyrgW 0 YesseWagetiYaWekkigertrWstafanirermunduhafatakmarkaWumfangtj;nsinsvegnaYess  aWeinhverYeirrasemgreinir1.mgr.hefurafsetningieWast;rkostlegugleysivanrkt  _tilkynningarskyldu_ԀsnamlkkaeWafellaniWurbyrgWinagagnvarthonum. i   & , 93.gr. ' RWstafanirtilaWtakmarkatj;n.     y FlagiWgeturgefiWhinum_vtryggWa_ԀfyrirmliumaWgerarWstafanirsembersUnilegaeru  tilYessfallnaraWtakmarka','kumfangbyrgWarYess,ogskalYaWbyrgjastkostnaWviWslkar `  rWstafanir.VtryggWurerekkiskylduraWhltaslkumfyrirmlumefYaufelasr S+! _;sanngjarna_Ԁtakmrkunathafnafrelsihans. "  y NsinnirvtryggWurafsetningieWast;rkostlegugleysiekkifyrirmlumsemhonum # erskyltaWhltaskv.1.mgr.ogmYlkkaeWafellaniWurbyrgWflagsins.  $   94.gr. J""& _Tilkynningarskylda_ԀflagsinsefYaWhyggst #' berafyrirsigrtttiltakmrkunarbyrgW. #(    y NhyggstflagiWberafyrirsigaWYaWssamkvmtkvWumYessakaflalaustrbyrgW $ ) aWlluleytieWaaWhluta,eWagetisagtupp_vtryggingunni_,ogskalYaWYtilkynna v%N!* _vtryggingartaka_ԀeWaYeimsemrtttil_vtryggingarb;ta_ԀskriflegaumafstWusna. A&"+ _Tilkynningin_Ԁskalsendn_stWulauss_ԀdrttareftiraWflagiWvissiumYauatviksemveita  '", YvheimildtilaWbeitarttisnumsamkvmtkvWunum.0YvsambandiskalflagiWeinnig '#- upplUsaumrtttilaWleggjamlfyrir_rskurWarnefnd_Ԁskv.141.gr. (z$.  y VanrkiflagiWaWsendaslkatilkynninguglatarYaWrttitilYessaWberafyrirsig_atvikin._ (  y 0lftryggingumskalflagiWsamtmisYvsemYaWsendirtilkynninguskv.1._mlsl_.1.mgr.  skr_lftryggingarskr_ԀaWYaWhafiboriWfyrirsigatvikin.    _XIV_.KAFLI T,  _IWgjaldiW_.   95.gr.  Gjalddagi,fyrstatilkynning.      y XegargreiWsla_iWgjalds_ԀerekkiskilyrWiYessaWbyrgWflagsinssamkvmt  X _vtryggingarsamningi_ԀhefjistfellurYaWgjalddagaYegargreiWsluYesserkrafistsamkvmt K #  samningnum.GreiWslufresturskalveraeinnmnuWurhiWskemmstafrYeimdegisem    flagiWsendir_tilkynningu_ԀumgreiWslutil_vtryggingartakans_.HafibyrgWflagsinshafist    helsthnframY;ttgreiWslasekki_innt_Ԁafhendiinnanhinstilgreinda_frests_.     96.gr. B  _GreiWsludrttur_Ԁ_iWgjaldi_,sWaritilkynningar.       y SiWgjaldekkigreittYegar_greiWslufresti_ԀlUkurskv.95.gr.ogflagiWberbyrgWgetur   YaWlosnaWundanhennimeWYvaWsendanUjatilkynninguYarsemgreiWsluerkrafistinnan {  14daga.TilkynninginskalberaskUrlegameWsraWvtrygginginfalliniWuref_iWgjaldiW_Ԁer nF ekkigreittinnanhins_tilskilda_Ԁ_frests_. 9  y NersUntframaW_vtryggingartaki_ԀhafiekkigetaWgreittfyrirlok_frests_Ԁskv.1.mgr.  vegna;fyrirsWrahindranasemhonumverWurekkiumkenntoghelstYbyrgWflagsins  YrjmnuWitilviWb;tareftirlok_frestsins_. r  y Ef_iWgjaldiW_ԀslysaeWasjkratryggingumgreiWisteftirlok_greiWslufrestsins_Ԁ1.mgr.ber e= aWltagreiWslunasem;skumnUja_vtryggingu_.kvWi3.mgr.74.gr.gildirYmeWsama 0 htti,enbyrgWflagsinshefstY;fyrstdaginneftiraW_iWgjaldiW_Ԁergreitt.    &  97.gr. i RtturtilaWendurvekjalftryggingunnUrra_heilsufarsupplUsinga_. \4    y NhefurbyrgWflagsinssamkvmt_lftryggingarsamningi_ԀfalliWniWureftiraWiWgjald ' hefurveriWgreittfyrireittrhiWskemmstaogmYendurvekja_vtrygginguna_Ԁsemhreina  _httulftryggingu_ԀnYessaWnUjar_heilsufarsupplUsingar_Ԁkomitilef_vangoldiW_ԀiWgjalder  greittinnanYriggjamnaWafrYvaW_frestur_Ԁskv.1.mgr.96.gr.rennurt.'Hafi `  _endurkaupsverW_Ԁ_vtryggingarinnar_ԀveriWgreitttereinnigheimiltaWendurgreiWaYaWtil S+! flagsinsinnansama_frests_,sbr.Y;1.mgr.80.gr.FlagiWgeturkrafistdrttarvaxtaafYeim " _fjrhWum_ԀsemumrWir.EfvtrygginginerendurvakinhefstbyrgWflagsinsdaginneftir # aW_fjrhWin_Ԁergreidd.  $   98.gr. J""& Srstk_tilkynningarskylda_ԀumiWgjaldlftryggingum. #'    y 0lftryggingumskalflagiWeinnigsendatilkynninguskv.1.mgr.96.gr.tilYesssem #( _samkvmt_Ԁ_lftryggingarskr_Ԁer_veWhafi_Ԁ_vtryggingunni_.Maki_vtryggingartaka_,vtryggWur $ ) ogssemaWlokumteldistrtthafisamkvmtlftryggingugetaeinnigkrafistYessaWfslka v%N!* tilkynningu.VanrkiflagiWaWsendatilkynningarYrsemhrumrWirgeturYaWekki A&"+ _boriW_Ԁfyrirsig_vanefnd_ԀgreiWslu_iWgjaldsins_ԀgagnvartYeimsemekkifengutilkynningu.  '",   99.gr. (z$. HvenrteljabergreiWslu_innta_Ԁafhendi. (    y X;ttflagiWhafiekki_m;ttekiW_ԀgreiWsluskalltasvoaWhnhafiveriW_innt_Ԁafhendi  Yegar:  ! ! (%88"A0J"  A0J y2%  a  .3  Ԉ0    peningar,tkkieWannursambrilegvsunersendtilYessp;stieWameWskeyti,A0J֌݌a   Ќ  "A0J"  A0J y2%  b  .3  Ԉ0    _fjrhWin_Ԁergreiddtilp;sthss,bankaeWa_sparisj;Ws_ԀeWaA0J݌T,   Ќ  "A0J"  A0JQ y2%  c  .3  Ԉ0    fyrirmliumgreiWsluerusendtilbanka,_sparisj;Ws_ԀeWameWWrum_;afturkallanlegum_  htti.A0JQ~݌   Ќ    &  _XV_.KAFLI  X  RWstafanirtengdar_vtryggingu_.RtturinntilgreiWslufrflaginu.  K #  100.gr.    RtturtilgreiWslufrflaginuYegar_vtryggingartaki_    hefurekkirWstafaW_vtryggingunni_.      y Nhefur_vtryggingartaki_ԀekkigertrWstafanirsamrmiviWkvWiYessakaflaoggilda wO  Yreglur2.!6.mgr.'  B   y _VtryggingarfjrhW_,semfellurtilviWandlt_vtryggingartaka_,rennurtilmakahans.    XettagildirY;ekkihafifyrirandlthansveriWveittleyfitilskilnaWaraWborWiogsngeWa   _lgskilnaWar_,eWakveWinnuppd;murumYaWeWa_hjskapurinn_Ԁ_;giltur_,Y;ttslkrlausns {  ekkiendanlegeWahafiWlastrttarhrif._VtryggingarfjrhW_,eWahlutihennar,semfellur nF tilmaka,telstekkitilYeirraeignasemskiptaaWjfnueftir93.gr.,sbr.103.gr. 9 _hjskaparlaga,_Ԁnr.31/1993,efeftirlifandimakiyfirtekurekkibiW;skiptsamrmiviWII.  kafla_erfWalaga,_Ԁnr.8/1962.   y _VtryggingarfjrhW_,eWahlutihennar,semfellurekkitilmakasamkvmtkvWi2. r mgr.,fellurtilerfingjasamkvmtlgumeWaerfWaskr.Nsat_vtryggingartaki_Ԁ;skiptubi e= skv.II.kafla_erfWalaga_Ԁogtelst_vtryggingarfjrhWin_ԀYtilYeirraeignasemskiptaskaljafnt 0 millierfingjahinsskammlfarioghins_langlfari_,sbr.1._mlsl_.1.mgr.11.gr._erfWalaga_.   y &  SgreiWslavtryggingarfjrhWarheildeWaaWhlutahWYvaWtilteknirmennsulfi  fellurgreiWslantilYeirra.'Ś i  y HafifleirieneinntekiW_vtryggingu_Ԁsameiginlegaog_vtryggingarfjrhWin_Ԁkemurtil \4 greiWsluYegarsfyrstiYeirradeyrfellur_vtryggingarfjrhWin_ԀtilYesseWaYeirra ' _vtryggingartaka_Ԁsemerulfi.Sufleirieneinnlfiskiptist_fjrhWin_ԀjafntmilliYeirra  sekkiumannaWsamiW.   y _VtryggingarfjrhW_,semkemurtilgreiWsluafWrutilefnienviWandlt `  _vtryggingartakans,_Ԁfellurtilhans. S+!   101.gr. # _Tilnefning_Ԁ_rtthafa_.  $    y _Vtryggingartaki_ԀgeturtilnefnteinneWafleiri_rtthafa_ԀaW_vtryggingarfjrhW_Ԁsamt !W% _g;Wahlutdeild,_ԀsemkannaWverWa,eWahlutaaf_vtryggingarfjrhWinni_,Yegarhnkemur J""& tilgreiWslu.S_vtryggingartaki_ԀhjskapberaWtilkynnamakahansumtilnefningu_rtthafa_, #' sbr.105.gr. #(  y &  Tilnefningu_rtthafa_Ԁmafturkallanema_vtryggingartaki_ԀhafilUstYvyfirviWhannaWhn $ ) s_;afturkallanleg_.'$ v%N!*   102.gr.  '", AWferWviWtilnefningu_rtthafa_. '#-    y Tilnefningu_rtthafa_Ԁog_afturkllun_ԀhennarverWuraWtilkynnaflaginuskriflega.ViWtku (z$. vtryggingarerY;hgtaWupplUsaflagiWum_tilnefninguna_ԀmeWWrumhtti. (  y NererfWaskrgerWrWstfuntengd_vtryggingu_ԀogberYaWltahanasem  _tilnefningu_Ԁ_rtthafa_ԀeWa_afturkllun_Ԁtilnefningar.   y _Tilnefning_ԀeWa_afturkllun_Ԁhenni,semekkiergerWeinsogmlterfyrirum1.og2. a mgr.,er;gild. T,   &  103.gr.  _Tlkunarreglur_.      y SekkiannaWkveWiWeWaYaWleiWiafatvikumgildireftirfarandi:  X ! ! (588"A0J"  A0J y25  a  .3  Ԉ0    _Tilnefning_Ԁ_rtthafa_ԀtekuraWeinstilYeirrarvtryggingarfjrhWarsemfellurtilviW K #  andlt.A0J%݌     Ќ  "A0J"  A0J y25  b  .3  Ԉ0    Hafi_vtryggingartaki_Ԁtilnefntfleirieneinn_rtthafa_Ԁgildir53.gr._erfWalaga_ԀumYaW.A0J݌     Ќ  "A0J"  A0J/ y25  c  .3  Ԉ0    EfrtthafideyrundanvtryggWumskal_vtryggingarfjrhWin_Ԁrennatillgerfingja   _rtthafans_.A0J/\݌wO    Ќ  "A0J"  A0Jŭ y25  d  .3  Ԉ0    Smaki_vtryggWs_ԀtilnefndursemrtthafigildakvWi2.mgr.100.gr.lagaYessara.A0Jŭ݌B    Ќ  "A0J"  A0J y25  e  .3  Ԉ0    Suerfingjar_vtryggWs_ԀtilnefndirtekurYaWeinnigtil_brferfingja_.A0JL݌     Ќ  "A0J"  A0J y25  f  .3  Ԉ0    Svtryggingin_veWsett_ԀviWandlt_vtryggingartaka_Ԁvkurrtthafifyrir_veWhafanum_.A0J݌    Ќ  ' ^  104.gr. nF Rttursamkvmt_vtryggingarsamningi_ԀYegarrtthafiertilnefndur. 9    y _Tilnefning_Ԁ_rtthafa_ԀfelurekkisrtakmrkunrWstfunarrtti_vtryggingartaka_Ԁyfir  _vtryggingunni_ԀeWarttisamkvmt_vtryggingarsamningi_.S_vtrygging_Ԁ_veWsett_Ԁstendur  _rtthafinn_ԀaWbaki_veWhafanum_ԀsekkiumannaWsamiW. r  y S_tilnefning_Ԁ_rtthafa_Ԁ_;afturkallanleg_Ԁhefur_vtryggingartaki_ԀekkiheimildtilYessaW e= _rWstafa_Ԁrttisamkvmt_vtryggingarsamningi_ԀYannigaWYaWhorfitiltj;nsfyrir_rtthafann_. 0  y Nhefur_vtryggingaratburWur_ԀekkiorWiWoggetur_rtthafinn_ԀYekkirWstafaWrttisnum  samkvmt_vtryggingarsamningi_.S_vtryggingartakinn_Ԁltinnog_vtryggingarfjrhWin_Ԁ  aWgreiWastsWar_yfirfrast_Ԁllrttindisamkvmt_vtryggingarsamningi_Ԁtil_rtthafans_Ԁnema i annaWleiWiafatvikum. \4   105.gr.  Tilnefningu_rtthafa_ԀhnekkteftirkrfuYeirra  semhafaveriWframfri_vtryggingartaka_. `     y SYaWbersUnilega;sanngjarntgagnvartmakaeWaWrum_skylduerfingjum_,semvoru S+! framfri_vtryggingartaka_ԀeWahannvarskuldbundinntilaWframfraoghefWuellattkrfu " til_vtryggingarfjrhWarinnar_Ԁskv.100.gr.,aW_vtryggingarfjrhWin_Ԁrennitil_rtthafa_Ԁgetur # serframfrslunauteWattiaWnj;takrafistYessaW_vtryggingarfjrhWin_ԀverWigreiddsr  $ heildeWaaWhluta.ViWrlausnYessaskaleinkumltatilstWna_tilnefningarinnar,_ԀYarfa !W% YesserframfrslunauteWattiaWnj;ta,Yarfa_rtthafans_ԀoghvortsfyrrnefndihafifengiW J""& tilkynninguum_tilnefninguna_Ԁinnan_sanngjarns_Ԁ_frests_ԀfyrirandltiW. #'  y Reglur1.mgr.eigaeinnigviWumaWra_skylduerfingja_ԀYegarmakinnkrfutil #( _vtryggingarfjrhWarinnar_Ԁskv.2.mgr.100.gr. $ )  y Krfurskv.1.og2.mgr.verWuraWhafauppimeWmlshfWungegn_rtthafanum_ԀeWa v%N!* _makanum_Ԁinnanrsfrandltinu. A&"+  y Ef_rtthafinn_ԀeWamakinnhefurfengiWvtryggingarfjrhWinagreiddaerhannekki  '", _skuldbundinn_ԀtilaWendurgreiWameiraafhennienYupphWsemeftirvarYegarviWkomandi '#- fkkupplUsingarumkrfuna. (z$. Ї  & a 106.gr. ( Framsal_vtryggingarinnar_.     y Ef_vtrygging_Ԁer_framseld_Ԁ_yfirfrast_Ԁrttindinsamkvmt_vtryggingarsamningi_Ԁtil'a(  _framsalshafa,_ԀsekkiumannaWsamiW.ViW_framsaliW_Ԁfallafyrritilnefningar_rtthfum_ a niWurnemaumannaWssamiWeWaYaWleiWiafaWstWum. T,   107.gr.  _VeWsetning_Ԁ_vtryggingarinnar_.      y _HfuWst;lstryggingu_ԀmveWsetja._VeWrtturinn_ԀfelursrheimildtilaWf  X _vtryggingarfjrhWina_ԀgreiddaYegarhnfellurtilogrttinntilaWf_endurkaupsverW_ K #  _vtryggingarinnar_._g;Wahlutdeild_ԀsemviWkannaWbtasttelstekkitilhins_veWsetta_Ԁnema    umYaWssamiW.     y nsamYykkis_veWhafa_ԀgeturflagiWekkigreittgjaldfallnargreiWslursamkvmt   _vtryggingunni,_Ԁsbr.2.mgr.6.gr.lagaum_samningsveW_. wO   y Ner_veWkrafa_Ԁfallingjalddagaoggetur_veWhafinn_ԀYkrafistYessaW_endurkaupsverW_ B  _vtryggingarinnar_ԀverWigreittsraWYvleytisemYarftilfullnustu_veWkrfunnar_._VeWhafinn_    skalY;gefa_veWYola_ԀtveggjamnaWafresttilaWgreiWa_veWkrfuna_ԀeWagreiWafjrhWsem   svarartil_endurkaupsverWsins_._VeWhafinn_ԀekkirttYvaWffullnustu_veWkrfunnar_ԀmeW {  Wrumhtti. nF  y S_vtrygging_Ԁ_veWsett_ԀviWandlt_vtryggWs_Ԁogef_dnarbiW_ԀgreiWir_veWkrfuna_ԀgeturYaW 9 krafistendurgreiWsluaf_vtryggingarfjrhWinni_ԀnemaannaWleiWiafaWstWum.    & , 108.gr. r BrottfallrttartilaWkrefjast_vtryggingarb;ta_. e=    y kvWi23.gr._erfWalaga_ԀgildaumYannsemrtttil_vtryggingarb;ta_ԀsamkvmtYessum 0 kafla.HiWsamaviWum',Ԁ_vtryggingarbtur_ԀsemgreiddareruvegnarorkusemerafleiWing  httsemisemtilvitnaWkvWi_erfWalaga_Ԁtekurtil.ViW_vtryggingu_Ԁlfi_;venslaWs_Ԁmanns  fallagreiWslursemekkirennatil_vtryggingartakans_Ԁtil_vtryggWs_ԀeWatilerfingjahansefhinn i vtryggWierltinnsamkvmtkvWum2.og3.mgr.100.gr. \4   109.gr.  _Lfeyristrygging_.     y ReglurYessakaflagildaum_lfeyristryggingu_ԀsannaWekkikveWiWlgumeWa `  _vtryggingarskilmlum._ S+!   &  _XVI_.KAFLI #  _RttarsambandiW_ԀviW_skuldheimtumenn_.   $ 110.gr. !W% Almennarreglurumrtt_skuldheimtumanna_. J""&    y Hafi_vtrygging_ԀekkiveriW_framseld_ԀWrumenmaka_vtryggingartaka_ԀeWahinum #' _vtryggWa_Ԁgeturrttursamkvmt_vtryggingarsamningi_ԀekkiorWiWandlagfullnustu #( _skuld'Bheimtumanna_ԀfyrreneftiraW_vtryggingaratburWur_ԀhefurorWiW.Ef_skuldheimtumenn_ $ ) _framsalshafa_Ԁleitafullnusturttindumsamkvmt_vtryggingunni_ԀgildakvWi3.mgr.107. v%N!* gr. A&"+  y _VtryggingarfjrhW_ԀsemgreiWastskalviWandltverWurekkiandlagfullnustuafhlfu  '", _skuldheimtumanna_ԀhinsltnanemaannaWhafiveriWkveWiWviWtilnefningu_rtthafa_.kvWi '#- 4.mgr.107.gr.gildaumslktilvik. (z$.  y & , Ef_vtryggingarfjrhW_ԀkemurtilgreiWsluafWrumstWumenvegnaandlts_vtryggWs_ ( geta_skuldheimtumenn_ԀhansekkileitaWfullnustukrfuhansgegnflaginueittrfrYv  aWhnkomtilgreiWslu.HiWsamaviWum_skuldheimtumenn_Ԁmakaermaki_vtryggWs_ԀWlast  rtttil',(_fjrhWarinnar_ԀYegarhnkemurtilgreiWslu. a  y ViW_lfeyristryggingu_Ԁgeta_skuldheimtumenn_ԀYesserlfeyrisnUturleitaWfullnustu T, _lfeyrisgreiWslum_ԀtilhansmeWYeimtakmrkunumsemleiWirafkvWum47.gr.lagaum  aWfr,nr.90/1989.    111.gr.  X Riftun_iWgjaldagreiWslu_ԀviW_gjaldYrotaskipti_Ԁ_o.fl_. K #     y Xrotab_vtryggingartaka_,_skuldari_Ԁef_nauWasamningur_Ԁkemstog_skuldafrgngub_Ԁgeta    krafistendurgjaldsafflaginufyrirgreiWslu_iWgjalds_Ԁsem_innt_ԀerafhendisWustuYremur    rumfyrir_frestdag_Ԁskv.2.gr.lagaum_gjaldYrotaskipti_Ԁ_o.fl_.,nr.21/1991,aWYvleytisem   _iWgjaldsgreiWslan,_ԀYegarhnf;rfram,varbersUnilega;sanngjrnmiWaWviWfjrhagsstWu wO  _vtryggingartakans_ԀogatvikaWWruleyti.EndurgjaldiWaWnemaaukninguverWmti B  _vtryggingarinnar_ԀsemrturaWrekjatilhinnarbersUnilega_;sanngjrnu_Ԁ_iWgjaldagreiWslu_.    GreiWsla_iWgjalds_Ԁ_lfeyristryggingum_,aWYvmarkisem_iWgjaldiW_ԀvareWagatveriW   _frdrttarbrt_ԀviWkvrWuntekjuskattsstofns_vtryggingartaka_,skalekkiteljast;sanngjrn {  _samkvmt_ԀreglumYessararmlsgreinar. nF  y NvillYrotab,_skuldari_ԀeftiraW_nauWasamningur_ԀhefurkomisteWa_skuldafrgngub_ 9 hafauppi_endurgreiWslukrfu_ԀgegnflaginuogskalYaWYeinnigtilkynna_vtryggingartaka_  ogYeimsemkrfu_vtryggingarfjrhWinni_,Yegarhnfellurtil,umkrfuna.   y Ef_vtryggingarfjrhWin_ԀhefurveriWgreiddgeturbiWkrafist_fjrhWarinnar_Ԁsemnefnd r er1.mgr.frYeimsemfengiWhefurvtryggingarfjrhWinagreidda.kvWi4.mgr.105. e= gr.gildireftirYvsemviWgeturttumslkargreiWslur. 0  y S_vtrygging_Ԁ_veWsett_Ԁogef_veWsetningin_ԀerskrWsWastalagidaginnfyrir_frestdag_Ԁskv.  2.gr.lagaum_gjaldYrotaskipti_Ԁ_o.fl_.erekkiunntaWhafauppi_endurgreiWslukrfu_Ԁsamkvmt  YessarigreinbgaviWhagsmuni_veWhafa_.Hafi_vtryggingartaki_Ԁ_framselt_Ԁ_vtrygginguna_ԀeWa i tilnefntmeW_;afturkallanlegum_Ԁhtti_rtthafa_ԀgildirYaWsamaaWYvleytisem_framsalshafi_ \4 eWa_rtthafinn_Ԁhafagreittendurgjaldfyrirrttinn. '  y HafirtthafieWaannarsemnUturverndarskv.1.mgr.110.gr.greittiWgjaldgildakvWi  1.!4.mgr.samahttumsambandYeirraviW_skuldheimtumenn_.    &  _XVII_.KAFLI S+!  Skrning_lftrygginga_.  " 112.gr. # _Lftryggingarskr_.  $    y _Lftryggingaflag_ԀskalhaldaskrumY_lftryggingarsamninga_ԀsemYaWgerir.0skrnni !W% skulukomaframeftirfarandiatriWiumhverneinstakansamning:'SL J""& ! ! (E88"A0J"  A0J. y2E  a  .3  Ԉ0    _vtryggingarskilmlar_Ԁsemgildaumsamninginn,A0J.[݌#'   Ќ  "A0J"  A0JX y2E  b  .3  Ԉ0    rttindisemkveWineruumgreiWslurframtWinni,A0JX݌#(   Ќ  "A0J"  A0Jq y2E  c  .3  Ԉ0    _iWgjaldagreiWslur_ԀogA0Jq݌$ )   Ќ  "A0J"  A0J y2E  d  .3  Ԉ0    hvers_vtryggingartaki_ԀoghversvtryggWur.A0J݌v%N!*   Ќ   y HafieinhverWlastrtttil_vtryggingarinnar_ԀskalflagiWsamkvmtkrfuskrYaW.Ef A&"+ rtturinntil_vtryggingarinnar_ԀbyggistfrjlsrirWstfunerYaWskilyrWiskrningaraW  '", _rWstfunin_ԀsgerWafYeimsemsamkvmtskrnnier_vtryggingartaki_.FlagiWskaltilkynna '#- um_skrninguna_Ԁtil_vtryggingartaka,_Ԁ_vtryggWa_Ԁogtileigandarttinda. (z$.  y HafiWurveriWskrWurannarrtthafimkrefjastYessaWsskrningsafmWeflagWar ( eruframsannanirumaWrtturinnhafifalliWbrotteWaaWeigandi_rttindanna_ԀsamYykkiYaW.   y _Afturkallanlega_Ԁtilnefningu_rtthafa_ԀmskreWaafm,endasYaWgertaWbeiWniYesssem  samkvmt_lftryggingarskr_Ԁertilgreindursem_vtryggingartaki_.Tilkynning a _vtryggingartaka_Ԁskv.1.mgr.102.gr.telstbeiWniumskrningueWaumaWafmhana. T,  y Sb_vtryggingartaka_ԀtekiWtilopinberraskiptaskalYaWskrWaWkrfu_skiptastj;ra_,sbr.  54.gr.lagaumskipti_dnarbum_Ԁ_o.fl_.,nr.20/1991.EfheimildtilaWleita_nauWasamnings_  hefurveriWveitt,eWaefb_vtryggingartaka_ԀhefurveriWtekiWtil_gjaldYrotaskipta_,skalskr   biWaWkrfu_tilsj;narmanns_ԀeWa_skiptastj;ra_,sbr.43.og87.gr.lagaum_gjaldYrotaskipti_Ԁ_o.fl_.  X HiWsamaviWef_vtryggingartaki_Ԁersviptur_lgrWi_,sbr.58.og67.gr._lgrWislaga_,nr. K #  71/1997.     y Krafaum_skrninguna_ԀskalfrWdagb;ksamadagoghnkemurtilflagsinsogskrna    einsflj;ttogkosturer.     113.gr. B  _Endurrit_.       y _Vtryggingartaki_,makihans,vtryggWur,rtthafisamkvmt_;afturkallanlegri_Ԁtilnefningu,   _veWhafi_Ԁ_vtryggingu_ԀeWa_framveWrtti_Ԁ_vtryggingu_,_skiptastj;ri_ԀeWatilsj;narmaWurmeW {  _nauWasamningsumleitunum_Ԁgeturkrafist_endurrits_ԀafYvsemskrWer_lftryggingarskr_. nF  y _Endurrit_Ԁskv.1.mgr.skalaWeinshafaaWgeymaupplUsingarsemYUWinguhafafyrirYann 9 semkrefstYess.AWWruleytihefurflagiWYagnarskylduumefni_lftryggingarskrr_.   y ViWskiptarWherraskalsetjannarireglurumefni_endurrits_ԀsamkvmtYessarigrein.    114.gr. e= _:samYUWanleg_Ԁrttindi. 0    y SkrWrttindiyfir_vtryggingu_ԀgangaframarrttindumsemekkieruskrWdagb;k  _sWasta_ԀlagisamadagefYaueru_;samYUWanleg_.SufleirirttindiskrWdagb;ksamadag  eruYaujafnrtth. i  y XrttfyrirYaWsemsegir1.mgr.gangaeldrirttindiframaryngrieftilhinnayngrier \4 stofnaWmeWfrjlsrirWstfunog_framsalshafi_ԀvissieWamttivitaumhinneldrirttYegar ' rtturhansvarskrWurdagb;k.    115.gr. `  StaWa_grandlauss_Ԁeigandarttindagagnvartflaginu. S+!    y NhefurmaWurg;WritrfengiWskrWrttindisemreisterusamningi.GeturYflagiW " ekkihaftuppiaWrarm;tbrurgagnvarthonumenYrsemreistareruupplUsingumYeim # erkomaframtilkynningutil_rtthafa_Ԁskv.2.mgr.112.gr.FlagiWgeturY;haftuppi  $ _m;tbrur_Ԁsemreistareru: !W% ! ! (U88"A0J"  A0J y2U  a  .3  Ԉ0    atvikumsemgreinir_XIII_.kaflaogflagiWvissifyrstumeftiraWtilkynningskv.2.mgr. J""& 112.gr.varsend,A0J݌#'   Ќ  "A0J"  A0JC y2U  b  .3  Ԉ0    aW_iWgjaldagreiWsla_Ԁs_vanefnd_ԀeftiraWtilkynningskv.2.mgr.112.gr.varsend,sbr.Y; #( 98.gr.,eWaA0JCp݌$ )   Ќ  "A0J"  A0J y2U  c  .3  Ԉ0    aWflagiWhafigreitt_gjaldfallna_Ԁ_lfeyrisgreiWslu_ԀeWaaWragreiWslusemsamkvmt v%N!* _samningi_ԀttiaWgreiWasttiltekinnfjldaraY;ttgreiWslanhafiveriW_innt_ԀafhendiWur A&"+ entilkynningskv.2.mgr.112.gr.varsend.A0J݌ '",   Ќ    116.gr. (z$. GreiWslavtryggingarfjrhWartilYesssemtelstrtthafi. (    y HafiflagiWg;WritrgreittvtryggingarfjrhWinaeWa_endurkaupsverWiW_ԀtilYesssem  skrWurerrtthafi_lftryggingarskr_ԀeWartttil_vtryggingarfjrhWarinnar_Ԁskv.100.gr.  verWurYvekkiboriWviWgagnvartflaginuaWannarhafittbetrirttensergreiWsluna a fkk. T,   &  117.gr.  _M;tbrumissir_ԀYesssemkannaWeigartt.      y NhefurmaWurg;WritrskrWrttindierstofnaWhefurveriWtilmeWsamningiviWYann  X semsamkvmt_lftryggingarskr_Ԁer_vtryggingartaki_ԀogerYekkiunntaWberaYvviWaW K #  rttindihansbyggist_;gildu_Ԁ_framsali_.X'%ettaY;ekkiviWef_;gildingarstWan_Ԁerflsun,    _;lgrWi,_ԀgeWveikieWameirihttarnauWungsemtilgreinder28.gr.lagaumsamningsgerW,    umboWog;gildalggerninga,nr.7/1936.     118.gr. B  RWstafanir_vtryggingartaka_.       y XaWsemsegirYessumkaflaumrWstafanir_vtryggingartaka_ԀgildireinnigumrWstafanir   semgerWareruafYeimereigatakmrkuWrttindi_vtryggingunni_. {    & a 119.gr. 9 _ReglugerWarheimild_.     y ViWskiptarWherrageturmeWreglugerW'a9settnnarireglurum_lftryggingarskr_.    _XVIII_.KAFLI e=  _B;tauppgjr_,_fyrning_Ԁ_o.fl_.  0 120.gr.  _UpplUsingaskylda_ԀviWuppgjrb;ta.     y SsemhyggsthafauppikrfugegnflaginuskalveitaYvupplUsingarogafhendaggn i semhannaWgangaWogflagiWYarftilYessaWgetametiWbyrgWsnaoggreittt \4 _vtryggingarfjrhWina._ ' & a  y SsemviW_tj;nsuppgjr_ԀveitirrangareWa;fullngjandiupplUsingarsemhannveiteWa  mvitaaWgetaleitttilYessaWgreiddarverWitbtursemhannekkirtttilglatarllum  'a rttitilkrafnahendurflaginusamkvmtYessumogWrum_vtryggingarsamningum_Ԁvegna `  smuatvika.S_httsemin_Ԁekkialvarleg,hnvarWieinungisltinnhlutakrfunnareWaef S+! srstakarstWurmlameWYvgeturhannY;fengiWbturaWhluta.kvWi93.gr.gildir " eftirYvsemviWgeturtt. #  y 0Yeimtilvikumsemgreinir2.mgr.geturflagiWsagtuppllum_vtryggingarsamningum_  $ viWviWkomandimeWvikufyrirvara.kvWi3.mgr.76.gr.gildaeftirYvsemviWgeturtt. !W%   121.gr. #' GreiWslab;taeWavtryggingarfjrhWar. #(    y KrafaumbtureWa_vtryggingarfjrhW_Ԁfellurgjalddaga14dgumeftiraWflagiWtti $ ) YesskostaWaflaYeirragagnasemYrfvartilYessaWkannabyrgWsnaogreiknat v%N!* _endanlega_Ԁ&  fjrhWb;ta.EigiflagiWaWbtarorkuerheimilt_vtryggingarskilmlum_ԀaW A&"+ kveWannarummatrorkunni.'A&&  '",  y Efauglj;sterWurenendanlegtuppgjrferframaWflaginuberaWgreiWaaWminnsta '#- kostihlutaafb;tumYeimsemgerWerkrafaumskalYaWinnaafhendi_hlutagreiWslu_ԀsemYv (z$. nemur. (   &  122.gr.  HeimildflagsinstilaW_skuldajafna_. a    y FlagiWhefureinungisrtttilYessaW_skuldajafna_ԀviW_b;tagreiWslur_ԀeWa T, _vtryggingarfjrhWina_Ԁ_vangoldnu_Ԁ_iWgjaldi_ԀvegnaYeirrarvtryggingarsemumrWireWa  annarrasem_vtryggingartaki_Ԁhefurhjflaginu.'")   y XegargreiWabtureWa_vtryggingarfjrhW_Ԁtilannarsen_vtryggingartaka_Ԁerflaginu   aWeinsheimiltaW_skuldajafna_Ԁ_iWgjaldi_Ԁvegnasama_vtryggingarsamnings_.EfgreiWafleirum  X eneinumberaWbeitaskuldajfnuWihlutfallslegagagnvartYeimllum. K #    123.gr.     Vextir.      y FlagiWskalgreiWaalmennavextiafb;tumeWa_vtryggingarfjrhW_ԀYegarliWnirerutveir wO  mnuWirfrYvaWtilkynningum_vtryggingaratburW_ԀvarsendYv. B   y EigiflagiWaWbta_tlagWan_ԀkostnaWstofnastskyldatilgreiWslualmennravaxtafyrst    tveimurmnuWumeftiraWkostnaWurhefurveriWgreiddur.EfflagiWaWgreiWadagpeninga   eWaYesshttarskalgreiWavextiaWliWnummnuWieftiraWYaWtmabilerliWiWsemflagiW {  aWgreiWadagpeningafyrir.EfflagiWaWgreiWatilteknafjrhWoggjalddagierkveWinn nF fyrirframskalreiknavextifrgjalddaga. 9  y Efrtthafib;taeWavtryggingarfjrhWarvanrkiraWveitaupplUsingareWaafhenda  ggnsemnefnderu1.mgr.120.gr.geturhannekkikrafistvaxtafyrirYanntmasemlWur  vegnaYess.HiWsamaviWefeigandirttargagnvartflaginuhafnarmeW_;rttmtum_Ԁhtti r uppgjriheildeWaaWhluta. e=  y NerkrafaumbturmiWuWviWverWlageftiraW_vtryggingaratburWur_ԀvarWogskalY 0 krafanberavextisamkvmtframansgWusemmiWastviWYaW_tmamark_.   y AlmennirvextirsamkvmtYessarigreinskuluverahinirsmuoggreiWaberskaWabtur  samkvmtlgumumvextiog_verWtryggingu_,nr.38/2001.UmdrttarvextigildareglurIII. i kaflaYeirralaga. \4  y VextiskalgreiWaY;ttgreiWslaflagsinsheildverWimeWYvhrrien ' _vtryggingarfjrhW._Ԁ0_vtryggingarskilmlum_Ԁskalvekjaathyglirttitilvaxtasamkvmt  Yessarigrein.    124.gr. S+! _Frestur_ԀtilaWtilkynnaum_vtryggingaratburW_Ԁslysa-,sjkra-eWa " _heilsutryggingum_Ԁogtil_lgfrWilegra_ԀaWgerWa. #    y Ssemrtttilb;tasamkvmtslysatryggingu,_sjkratryggingu_ԀeWa_heilsutryggingu_ԀmeW  $ eWan_uppsagnarrttar_ԀglatarYeimrttiefkrafaerekkigerWumbturtilflagsinsinnanrs !W% frYvaWhannfkkvitneskjuumYauatviksemhnerreist. J""&  y HafniflagiWkrfuumbturheildeWaaWhlutaglatarssemrtttilb;taYeimrttief #' hannhefurekkihfWaWmleWakrafistmeWferWarmlsinsfyrir_rskurWarnefnd_Ԁskv.141.gr. #( innanrsfrYvaWhannfkkskriflegatilkynninguum_hfnunina_.0tilkynninguflagsins $ ) verWuraWkomaframhverlengd_frestsins_ԀsoghvernighonumverWislitiWog_lgfylgjur_ԀYess v%N!* aWYaWverWiekkigert.Lgum_fyrning_Ԁskuldaogannarra_krfurttinda_,nr.14/1905,gilda A&"+ eftirYvsemviWgeturttumslit_frestum_.  '",   125.gr. (z$. _Fyrning_. (    y Krafaum_vtryggingarfjrhW_Ԁsamkvmt_hfuWst;lstryggingum_Ԁfyrnistturumog  aWrarkrfurumbturfj;rumrum.FresturinnhefstviWlokYess_almanaksrs_ԀYegarser  _krfuna_ԀfkknauWsynlegarupplUsingarumYauatviksemkrafahanserreist.Krafan a _fyrnist_ԀY;sWastalagi20rum,enaWrarkrfur10rum,eftirlokYess_almanaksrs_Ԁsem T, _vtryggingaratburWur_ԀvarW.HafiflagiWvegna_vtrygginga_Ԁsem_tilgreindar_Ԁeru1.mgr.124.  gr.senttilkynninguskv.2.mgr.smugreinarfyrnistkrafanfyrstYegars_frestur_ԀlWursem  Yarertilgreindur.    y Krafasamkvmt_lfeyristryggingu_ԀfyrnistYegarliWineruturfrYeimdegisemsWasta  X _lfeyrisgreiWsla_Ԁvar_innt_Ԁafhendi.HafiekkiveriW_inntar_ԀafhendineinargreiWslurhefst K #  fresturinnYeimdegier_rtthafinn_ԀgatkrafistfyrstugreiWslu.KrafaumgjaldfallnargreiWslur    fyrnistaukYessaWliWnumfj;rumrumfrgjalddaga.     y AWWruleytigildareglurlagaum_fyrning_Ԁskuldaogannarra_krfurttinda_,nr.14/1905.   _Frestur_Ԁssemtilgreindurer3._mlsl_.1.mgr.framlengistY;ekkiskv.15.gr.Yeirralaga. wO    &  _XIX_.KAFLI     Srstakarreglurum_h;pvtryggingar_.    126.gr. {  TengslviWnnurkvWilaganna. nF    y EfekkileiWirannaWafreglumYessakaflagildaaWrarreglurYessahlutalagannaeinnig 9 um_h;pvtryggingar_ԀaWYvleytisemviWgeturtt.' G    127.gr. r Efni_h;pvtryggingarsamnings_. e=    y 0samningium_h;pvtryggingu_Ԁskaleftirfarandikomafram: 0 ! ! (e88"A0J"  A0JJ y2e  a  .3  Ԉ0    greiWslurflagsinssamkvmtsamningnum,A0JJ!K݌   Ќ  "A0J"  A0JK y2e  b  .3  Ԉ0    hvortheimiltsaWskiljasrrtttilaWveraekkiYtttakandih;pnum,A0JK(L݌   Ќ  "A0J"  A0J/M y2e  c  .3  Ԉ0    hverjirsueWagetiorWiWYtttakendurh;pnum,A0J/M\M݌i   Ќ  "A0J"  A0JKN y2e  d  .3  Ԉ0    &  hvernigberaeigisigaWtilYessaWverWaYtttakandih;pnum,skiljasrrtttilYess \4 aWverWaYaWekkieWahttaYtttkuh;pnum,A0JKNxN݌'   Ќ  "A0J"  A0JO y2e  e  .3  Ԉ0    hvorthaldinskuliskryfirYtttakendur,ogefsvoer,hvortskrinskulihaldinaf  _vtryggingartaka_ԀeWaflaginu,A0JO'P݌   Ќ  "A0J"  A0JQ y2e  f  .3  Ԉ0    hvort_iWgjaldiW_ԀskuligreiWastflaginuaf_vtryggingartaka_ԀeWahverjumeinstkum `  Ytttakanda,A0JQQ݌S+!   Ќ  "A0J"  A0J!S y2e  g  .3  Ԉ0    skyldur_vtryggingartaka_ԀtengslumviWtilkynningartileWafrYtttakendum,A0J!SNS݌"   Ќ  "A0J"  A0JtT y2e  h  .3  Ԉ0    hvereigikrfu_vtryggingarfjrhWinni_ԀefvikiWerfrreglum100.gr.,A0JtTT݌#   Ќ  "A0J"  A0JU y2e  i  .3  Ԉ0    hvaWaskilyrWiverWiaWverafyrirhenditilYessaWbyrgWflagsinshefjistoghenniverWi  $ haldiWviWogA0JUU݌!W%   Ќ  "A0J "  A0J8W y2e  j  .3  Ԉ0    heimildirYtttakendatilYessaWrWstafarttisnumsamkvmt_vtryggingarsamningi_, J""& sbr.137.og138.gr.A0J8WeW݌#'   Ќ   y Samningurum_h;plfeyristryggingu_ԀskalkveWaumhvorthagnaWurafhennirennitil #( _vtryggingartaka_ԀeWa_Ytttakendanna_. $ ) ' \N  128.gr. A&"+ UpplUsingarum_vtrygginguna_.  '",    y FlagiWog_vtryggingartaki_ԀskulutryggjameWfullngjandihttiaWYeirsemerueWageta '#- orWiWYtttakendurh;pnumfiupplUsingarumatviksemnefnderu127.gr.ogum (z$. _viWb;tarvtryggingar_ԀsemgtiveriWheppilegtfyrirYaWaflasr.UpplUsingarYessarskal ( gefaYegar_h;pvtryggingu_ԀhefurveriWkomiWogsWarerefnistandatil.Efskilmlarnir  komaekkifram_vtryggingarsamningnum_ԀskaleinnigupplUsaviWkomandiumY.    129.gr. T, _Vtryggingarskrteini_.     y Shaldinskrskv.eliW1.mgr.127.gr.umYtttakendurh;pnumskalssemheldur  skrnan_stWulauss_ԀdrttarsjtilYessaWhverssemverWurYtttakandifi   _vtryggingarskrteini_ԀeWastaWfestafritYessogYskilmlasemum_vtrygginguna_Ԁgilda.  X  y NhefurmaWurfengiW_vtryggingarskrteini_ԀeWastaWfestafritYessogerYhvorkiunnt K #  aWberaYvviWgegnhonumaWhannuppfylliekkiskilyrWitilYessaWveraYtttakandi    _h;pnum_Ԁsem_vtrygging_ԀtekurtilnaWhanneigiekkirttYeimgreiWslumsemframkoma    _skrteininu._ԀXettagildirY;ekkiefYaWleiWirskUrlegaaf_vtryggingarskrteini_ԀaWhann   _uppfylli_ԀekkiskilyrWineWaeigiekkirttgreiWslunum.XettaheldurekkiviWefflagiW wO  geturlosnaWrbyrgWheildeWaaWhlutasamkvmtreglum83.&  gr.eWaefYaWhefursent B  aWvrunumslit_vtryggingarinnar_ԀeWabreytinguskilmlumskv.131.eWa133.gr.'Bac      130.gr. {  UpphafbyrgWarflagsins. nF    y SekkiumannaWsamiWeWaleiWiafatvikumhefstbyrgWflagsinsYegarsamningurinn 9 ergerWur.   y FyrirYannsemsWarverWurYtttakandih;pnumtelstupphafbyrgWarflagsinsvera  YegarsendertilkynningumaWildhanssamkvmtsamningnumeWagreittiWgjaldfyrirhann r eWa,stilkynningarekkikrafist,YegarhannuppfyllirskilyrWiYessaWveraYtttakandi. e=  y kvWi4.mgr.74.gr.gildireftirYvsemviWgeturtt. 0   & , 131.gr.  Lok_vtryggingarinnar_. i    y XegarYtttakandih;pisemnUtur_h;pvtryggingar_,ogskrerhaldinyfir,httir \4 _h;pnum_Ԁfellur_vtrygging_ԀniWuraWYverhann',UgԀvarWarfyrstalagi14dgumeftiraWflagiW ' eWa_vtryggingartaki_Ԁsendirhonumskriflegatilkynningu.0_h;pvtryggingu_ԀYarsemekkier  _haldin_ԀskryfirYtttakendurh;pnum,eWaYegarskriflegtilkynningerekkisend,fellur  _vtryggingin_ԀfyrstniWurtveimurmnuWumeftiraW_Ytttakandinn_Ԁhttih;pnum.VerWi `  _vtryggingaratburWur_ԀsemflagiWberbyrgWskv.1.eWa2._mlsl_.geturYaWdregiWfr S+! _b;tum_ԀaWYvleytisemhannnUtursambrilegrarvtryggingarogfrbtursamkvmt " henni. #  y Ef_vtryggingartaki_ԀeWaflagiWsegiruppeWaendurnUjarekki_vtrygginguna_ԀeWaef  $ byrgWflagsinsfellurniWurvegna_vangreiWslu_Ԁ_vtryggingartaka_Ԁ_iWgjaldi_Ԁskal !W% _Ytttakendum_Ԁ_h;pnum_ԀtilkynntYaWskriflegaeWameWWrumfullngjandihtti.Fyrirhvern J""& _einstakan_Ԁ_Ytttakanda_ԀfellurvtrygginginniWurslkumtilvikumfyrstalagieinummnuWi #' eftiraW_tilkynning_ԀersendeWahannfkkmeWWrumhttivitneskjuumatvik.kvWi3. #( _mlsl_.1.mgr.gildireftirYvsemviWgeturtt. $ )  y kvWiYessarargreinargildaekkium_vtryggingu_Ԁsemsamkvmtefnisnuereinungis v%N!* tmabundin. A&"+   132.gr. '#- RtturYtttakandatilaWviWhaldalftryggingu. (z$.    y Xegar_h;plftryggingu_ԀlUkurhafaYtttakendurh;pnum,hverumsig,rtttilYessaWhalda ( fram_vtryggingunni_ԀmeWeinstaklingsbundnum_iWgjaldatreikningi_ԀnYessaWveitanUjar  _heilsufarsupplUsingar_.SamartthefurYtttakandisemafWrumstWumenvegnaaldurs  httirh;piYeimsem_vtrygging_Ԁtekurtil.ViWkomandiskalmeWskriflegumeWameWWrum a fullngjandihttitilkynntummguleikahanstilYessaWhalda_vtryggingunni_Ԁfram.Vilji T, _Ytttakandinn_ԀhagnUtasrrttinnskalhanngeraYaWinnanYriggjamnaWaeftiraWbyrgW  flagsinshefurfalliWniWur.    133.gr.  X Breytingskilmlum. K #     y FlagiWgeturgertfyrirvaraumaWYaWmegibreytaskilmlumog_iWgjaldi_Ԁ    _vtryggingartmanum._     y Efskilmlum_vtryggingarinnar_ԀverWurbreyttmeWYeimhttiaWYaWrUristWu   _Ytttakendanna_Ԁgildareglur2.mgr.131.gr. wO    134.gr.    TilkynningartilYtttakendaogfrYeim.      y Nertilkynningvegnavtryggingarsend_vtryggingartaka_ԀogerYekkiunntaWbera {  fyrirsigaWhnhafiekkikomiWtilflagsins.XettaY;ekkiviWef_Ytttakandinn_ԀhafWi nF stWutilaWtlaaWtilkynninginhefWiekkikomiWtilflagsinsoghannttiYesskostaW 9 _tilkynna_ԀYvumYaW.   y Hafi_vtryggingartaka_ԀveriWskyltsamkvmtYessumlgumeWasamningiaWtilkynna  _Ytttakendum_Ԁh;pnumeitthvaWengerirYaWekkihefur_athafnaleysi_Ԁhanssmurttarhrif r _gagnvart_ԀYeimogefflagiWhefWisUntYaWafsr.XettagildirY;ekki& a ef_Ytttakandinn_ԀYekkti e= af_Wrum_ԀstWumtilefnistilkynningarinnarogsanngjarntmteljaaWhannhafittYesskost 0 aWfaraeftirYv.'ae!}    135.gr. i LftryggingnupplUsingaumhttuna. \4    y 0_h;plftryggingum_Ԁerunnt,YrttfyrirkvWi86.gr.,aWsemjaumaWflagiWberiekki ' byrgW_;vinnufrni_ԀsemkemurtilinnantveggjarafrYvaWbyrgWflagsinsh;fstog  rakinverWurtilsjkd;mseWameinssem_Ytttakandinn_ԀhafWiYv_tmamarki_ԀogtlamaW  hannhafivitaWum.HiWsamaviWumbyrgWsemtengist_meWvtryggWum_Ԁerekkihefur `  _afhent_Ԁ_heilsufarsyfirlUsingu_.kvWi1._mlsl_.skaleinnigbeitaumsrstakargreiWslursem S+! fallatileftirlifandivegnaandlts_Ytttakandans_,enY;meWYeimhttiaWekkimsemjaum " aWflagiWslaustundanbyrgWlengureneittrfrupphafibyrgWarinnar. #   136.gr. !W% RtturtilvtryggingarfjrhWarsemfellurtilviWandltYtttakanda. J""&    y 0_h;pvtryggingu_,semekkihefurframfrsluaWmarkmiWi,msemjaumaW #' _vtryggingartaki_ԀWlistrtttil_vtryggingarfjrhWarinnar_. #(  y Stekin_h;pvtrygging_ԀtilYessaWtryggjalfstarfsmannamegavinnuveitandiog $ ) _starfsmaWur_ԀeWastttarflaghanssemjaumhvaWakvWiumrtttilvtryggingarfjrhWar v%N!* viW_andlt_Ԁ_Ytttakandans_Ԁskulitakainn_vtryggingarsamninginn_.HiWsamaviWYegarflag A&"+ eWasamtkhafatekiW_h;plftryggingu_Ԁfyrirflagsmennsna.  '",  y SekkisamiWumYaWsemgreinir1.og2.mgr.ogYtttakandih;pihefurekkitilnefnt '#- _rtthafa_,sbr.137.gr.,gildareglur2.!4.mgr.100.gr.meWsamahttiumerfingjahans. (z$. Ї  137.gr. ( _Tilnefning_Ԁ_rtthafa_.     y 0_h;pvtryggingu_ԀYarsemYtttakendurnirtilkynnasigsjlfirtilflagsinsmeW;skum  _vtryggingu_ԀgeturhverYeirraumsigtilnefnt_rtthafa_. a  y HiWsamaviWWrum_h;pvtryggingum_ԀefekkierannaWkveWiW T, _vtryggingarsamningi._   y ViWbeitingureglna101.!105.gr.skulukvWisembeinastaW_vtryggingartaka_ԀgildameW  samahttiumYtttakendur_h;pvtryggingu_.     &  138.gr. K #  Framsalog_veWsetning_.       y NerkrafaYtttakandahendurflaginuekkifallingjalddagaoggeturhannYekki    _framselt_Ԁrttsinn.Rttsamkvmt_h;plftryggingu_Ԁ(_hfuWst;lstryggingu_)mveWsetja,enda   sekkiannaWkveWiWsamningnum.'K ʌ wO    139.gr.    Riftun_iWgjaldagreiWslu_ .       y ViWbeitingureglna1.mgr.111.gr.skalgreiWsla_iWgjalds_Ԁfyrir_lfeyristryggingu_Ԁekki {  _teljast_Ԁ;sanngjrnaWYvmarkisemhnkomeWagatkomiWtillkkunarviWtreikning nF _tekjuskattsstofni_Ԁ_vtryggingartaka_. 9   & , 140.gr.  Skrningvtryggingar. r    y ViW_h;pvtryggingu_ԀerflaginuekkiskyltaWskrYsemeruYtttakendurh;pnum e= _lftryggingarskr_ԀnemaumYaWssamiW.',y 0  y NsUnirmaWurframYtttkuh;pisemnUtur_h;pvtryggingar_ԀYarsemYtttakendur  eruekkiskrWiroggeturhannYkrafist_endurrits_Ԁrskrnni.   y ViWskiptarWherrageturmeWreglugerWkveWiWaWkvWum113.!115.gr.skuli&  beittum i skryfirYtttakendur'_h;pvtryggingar_Ԁsemhaldineraf_vtryggingartakanum_. \4   III.HLUTI   AlmennkvWi.   _XX_.KAFLI `   greiningur_o.fl_.  S+! 141.gr. " _BrskurWarnefnd_Ԁ_vtryggingamlum_. #    y NerlgumYessumtekiWframaWskj;tamegigreiningitil_rskurWarnefndar_ԀogermeW  $ YvttviW_rskurWarnefnd_Ԁ_vtryggingamlum_Ԁsemstarfarsamkvmtsamningimilli !W% _viWskiptarWherra,_Ԁ_Neytendasamtakanna_ԀogSambandsslenskra_tryggingaflaga_,svoog J""& _samYykktum_Ԁfyrirhana.FormaWurnefndarinnarskalfullngjaskilyrWumtilYessaWvera #' d;mariskv.2.mgr.12.gr.lagaumd;mst;la,nr.15/1998. #(  y _BrskurWarnefnd_Ԁ_vtryggingamlum_ԀskalkveWaupprkstuddarskurWiogverWurYeim $ ) ekkiskotiWtilstj;rnvalda,enheimilteraWilummlsaWleggjagreiningsinnfyrird;mst;la v%N!* meWvenjulegumhtti. A&"+  y ViWskiptarWherraskalannastbirtingusamYykktafyrir_rskurWarnefnd_Ԁ  '", _vtryggingamlum_ԀBdeild_Stj;rnartWinda_. '#-  y _BrskurWarnefnd_Ԁ_vtryggingamlum_ԀskalvistuWhj_Fjrmlaeftirlitinu_. (z$. Ї  &  142.gr. ( Btreikningur_frests_.     y ViWtreikningfresti,semtalinnerdgum,skalekkiteljameWYanndagerfresturinn  byrjaraWlWa.X;skalteljameWYanndagsemrWstfuner_fresturinn_ԀvarWarfyrstverWurgerW a eWamsWastveragerW.'( T,  y _Frestur_,semreiknaWurervikum,mnuWumeWarum,rennurtYeimdegisWustu  viku,mnuWieWarisemeftirnafnisnueWatlusvarartilYessdagssemhannbyrjaWiaW  lWa.EfsdagurerekkiYeimmnuWisemumrWirskalfresturinnrennatsWastadegi   _mnaWarins._  X  y &  Ef_frestur_ԀtilaWgerWarennurtlaugardegi,helgidegieWadegiYegarsamkvmtlgum K #  er_frdagur_ԀframlengisthanntilnstavirkadagsYareftir.'K       _XXI_.KAFLI    Vallggjf.  wO  143.gr. B  AlmennkvWiumvallggjfum_vtryggingarsamninga_.       y XegarlgYessieWalgum_vtryggingastarfsemi_ԀkveWaumaWlggjfrkisskulibeitt   erttviWaWrttarreglurYessrkisgildi,aWfrtldumreglumumvallggjfum {  _vtryggingarsamninga._ nF  y EfrkiermeiraeneinsvWisbundineining,semhverumsighefureiginrttarreglurum 9 skuldbindingarsamkvmtsamningum,skallitiWhverja_svWisbundna_Ԁeiningusemeittrki  YegarkveWiWerhvaWalggjfskulibeitt.  & a  y _:frvkjanlegum_Ԁ_rttarreglum_,semgildahrlandi,skalbeittendaY;ttlggjfannars r rkissaWWruleytilgWtilgrundvallar_vtryggingarsamningnum_. e= 'a y Xegar_vtrygging_Ԁer_lgboWin_Ԁgildaum_vtryggingarsamninginn_Ԁ_;frvkjanlegar_ 0 _rttarreglur_ԀYessrkissemleggur_vtryggingarskylduna_.   y _:lgfestum_ԀalYj;Wlegumreglumumvallggjf,ereigaviWumskuldbindingar  _samkvmt_Ԁsamningum,skalYvaWeinsbeittaWYrstrWiekkigegnkvWumYessaralaga. i    144.gr. ' Vallggjflftryggingum.     y LgYessrkisYarsem_skuldbindingin_Ԁkomstgildaum_vtryggingarsamning_Ԁum  _lftryggingu._Ԁ_Vtryggingaflag_ԀeWassemgerirsamninginnfyrirYesshndog `  _vtryggingartaki_ԀgetaY;samiWumaWlggjf_heimarkis_Ԁ_vtryggingaflagsins_Ԁgildium S+! _skuldbindinguna_,enda_heimili_ԀlggjfYessrkisslkasamninga,sbr.Y;3.og4.mgr.143. " gr. # & a  y Xegar_vtryggingartaki_Ԁ_lftryggingar_ԀereinstaklingurogekkirkisborgariYessrkisYar  $ semhannhefuraWjafnaWiaWseturgetaaWilarvaliWlgYessrkisYarsem !W% _rkisborgarartturinn_Ԁer.'a 8 J""&  y Xegar_vtryggingartaki_Ԁ_lftryggingar_Ԁer_lgaWili_Ԁog_skuldbindingin_Ԁkomsthrlandien #' hinn_lftryggWi_ԀhefuraWjafnaWiaWseturWrurkieWaerrkisborgariYessrkisgetaaWilar #( einnigvaliWlggjfYessrkis. $ )  y Xegar_skuldbindingin_ԀkomstannarsstaWaren0slandioglgYessrkisleyfavWtkari v%N!* samningsrtten1.og2.mgr.getaaWilarvaliWlggjfaWsvomikluleytisemlggjfYess A&"+ rkisleyfir.  '",   '#-   & ,  145.gr. ( VallggjfWrum_vtryggingum_.     y 0Wrum_frumtryggingum_Ԁenlftryggingumgildirum_vtryggingarsamninginn_ԀlggjfYess  rkisYarsem_vtryggingarhttan_ԀerYeg',(5arYaWereinnigrkiWYarsem_vtryggingartakinn_ a hefuraWjafnaWiaWsetur._Vtryggingaflag_ԀeWassemgerirsamninginnfyrirYesshndog T, _vtryggingartaki_ԀgetaY;samiWumaWlggjf_heimarkis_Ԁ_vtryggingaflagsins_Ԁgildium  _skuldbindinguna,_ԀendaheimililggjfYessrkisslkasamninga,sbr.Y;3.og4.mgr.143.gr.  &   y Xegar_vtryggingarhttan_ԀerannarsstaWarenYarsem_vtryggingartaki_ԀhefuraWjafnaWi   aWseturgeta' waWilarvaliWhvortheldurerum_vtryggingarsamninginn_,lggjfYessrkisYar  X sem_vtryggingarhttan_Ԁ&  ereWalggjfYessrkisYarsem_vtryggingartakinn_ԀhefuraWsetur K #  aWjafnaWi.'K 4     y Xegar_vtryggingartaki_ԀhefurmeWhndumatvinnustarfsemiog_vtryggingarhttan_Ԁvegna    hennarerfleirieneinurkiog_vtryggingarsamningurinn_Ԁnrtilfleirieneinnartegundar   httugetaaWilarvaliWumlggjfYessararkjaeWalggjfYessrkisYarsem wO  _vtryggingartakinn_ԀhefuraWseturaWjafnaWi. B   y Xegar_vtryggingarhttan_ԀerannarsstaWaren0slandioglgYessrkisleyfavWtkari    samningsrttenskv.2.og3.mgr.getaaWilarvaliWlggjfaWsvomikluleytisemlggjf   Yessrkisleyfir. {   y Xegarhttan,semsamningurinntekurtil,takmarkastviW_tj;nsatburWi_ԀsemverWaWru nF rkienYvYarsem_vtryggingarhttan_ԀergetaaWilarvalltvaliWlggjfYessrkisYarsem 9 _tj;nsatburWirnir_ԀverWa.   y & a Xegarhtta_vtryggingum_Ԁer_st;rhtta_,sbr.8.gr.lagaum_vtryggingastarfsemi_,geta  aWilarvalltvaliWYlggjfsembeitaskalum_vtryggingarsamninginn_,sbr.Y;3.og4.mgr. r 143.gr.'a' e= & a  y HafiaWilarsamningsumaWra_vtryggingu_ԀenlftrygginguekkisamiWumvallggjfsvo 0 aWgiltsogvallggjfleiWirekkiafkvWumYessaralagagildarttarreglurYessrkis  'a0sembesttelsteigaviWumsamninginnsamkvmtYessarigrein.XegarekkertannaWertekiW  framskallagttilgrundvallaraWrkiWYarsem_vtryggingarhttan_Ԁereigibest_&  __viW_Ԁum i _samning'"inn._ \4  y XegarvaliWhefurveriWskv.7.mgr.enannaWrkimeWalYeirrasemtilgreinagetakomiW ' telsteigabeturviWumhlutasamningsinsmveljalggjfYessrkisumYannhluta  _samningsins_ԀYegarsrstakarstWurmlameWYv.    &  _IV_.HLUTI S+! _XXII_.KAFLI "  TmiskvWi.  # 146.gr.  $ _Gildistaka_. !W%    y LgYessiWlastgildi1.janar2006.XauskulugildaumallanUja_vtryggingarsamninga_ J""& semgerWirerufrogmeWYeimdegi,alla_vtryggingarsamninga_Ԁsemeru_endur'SNnUjaWir_ԀeWa #' _framlengdir_ԀfrogmeWYeimdegi,svoogumallaaWra_vtryggingarsamninga_Ԁsemerugildi #( Yeimdegi. $ )  y ViWgildistkulagaYessarafallargildilgum_vtryggingarsamninga_,nr.20/1954. v%N!*   A&"+   &   147.gr. ( BreytingarWrumlgum.     y Eftirtaldargreinarogmlsgreinarlgumum_vtryggingastarfsemi_,nr.60/1994,fallar  gildierlgYessiWlastgildi:56.gr.,1.og2.mgr.57.gr.,2.og3.mgr.58.gr.og59.!63.gr. a '(A%N)  dE A  X @ ^X!\XSamYykktAlYingi26.aprl2004.#XX!\#Ԉ