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<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 rights 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 between <br />the issuing insurer(s), authorized representative or producer. and the certificate holder, nor does it <br />affirmatively or negatively amend. extend or alter the coverage afforded by the policies listed thereon. <br /> <br />ACORD 25 (2001108) <br /> <br />