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<br />SANJOAQ-02 <br /> <br />AYDA <br /> <br />IMPORTANT <br /> <br />If the certificate holder is an ADDITIONAL INSURED, the policy{ies) must be endorsed. A statement <br />on this certificate does not confer nghts to the certificate holder in lieu of such endorsement(s) <br /> <br />If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may <br />require an endorsement. A statement on this certificate does not confer rights to the certificate <br />holder in lieu of such endorsement(s) <br /> <br />DISCLAIMER <br /> <br />The Certificate of Insurance on the reverse side of this form does not constitute a contract betvv'een <br />the issuing insurer(s), authorized representative or producer, and the certificate holder. nor does It <br />affirmatively or negatively Elmend, extend or alter the coverage affarrled by the policies listed thereon <br /> <br />ACORD 25 {2001J08) <br /> <br />,-/65 2/?> <br />