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Insurance afforded is subject to the terms, conditions and exclusions of the applicable policies. This Certificate is issued as a matter of <br />information only, and confers no rights on the holder and imposes no liability on the Insurer. The Insurer will endeavour to mail to the <br />holder of this Certificate 30 days written notice of any material change in or cancellation of these policies. <br />Date: Ma-:!, s , a0o9 <br />Oallagner Laml)sriL Croup <br />Angie Fro=pio CAIB CIE <br />Auchori_:ed Representative <br />Gallagher Lambert Group (A member of Arthur J. Gallagher & Co.) <br />185 The West Mall, Suite 1710, Toronto, ON M9C 5L5 <br />Phone: (416) 620-8030 Fax: (416) 620-1853 h 1 pan- <br />25E-23 <br />