sentences:  The foundation's capital is a result of accumulated profits from the former savings banks which are now part of DNB.The foundation was created when the two savings banks Sparebanken NOR (bank) and Gjensidige (insurance) merged to Gjensidige NOR and in 2002 became a public limited company and listed on Oslo Stock Exchange.The foundation was created to own part of the company to continue the tradition of customers of savings bank's owning part of the bank.