<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN"> <HTML><HEAD> <META content="text/html; charset=iso-8859-4" http-equiv=Content-Type> <META name=GENERATOR content="MSHTML 8.00.6001.18928"> <STYLE></STYLE> </HEAD> <BODY bgColor=#ffffff> <DIV><FONT size=2 face=Arial>Siaip gal kiek kvailokas draudimas, bet:</FONT></DIV> <DIV><FONT size=2 face=Arial><SPAN style="WIDOWS: 2; TEXT-TRANSFORM: none; TEXT-INDENT: 0px; BORDER-COLLAPSE: separate; FONT: medium 'Times New Roman'; WHITE-SPACE: normal; ORPHANS: 2; LETTER-SPACING: normal; COLOR: rgb(0,0,0); WORD-SPACING: 0px; -webkit-border-horizontal-spacing: 0px; -webkit-border-vertical-spacing: 0px; -webkit-text-decorations-in-effect: none; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px" class=Apple-style-span><SPAN style="FONT-FAMILY: Tahoma, Arial, Helv; FONT-SIZE: 12px" class=Apple-style-span> <P style="TEXT-ALIGN: justify; TEXT-INDENT: 15.6pt; MARGIN: 0cm 0cm 0pt; FONT-FAMILY: TIMESLT; FONT-SIZE: 10pt" class=Bodytext><SPAN style="FONT-FAMILY: 'Times New Roman'; FONT-SIZE: 11pt" lang=LT>13. Draud