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<br />IMPORTANT <br /> <br />If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. A statement on this certificate <br />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 require an <br />endorsement. A s1atement on this certificate does not confer rights to the certificate holder in lieu of such <br />endorsement(s). <br /> <br />DISCLAIMER <br /> <br />The Certificate of Insurance does not constitute a contract between the issuing insurer(s), authorized representative or <br />producer, and the certificate holder, nor does it affirmatively or negatively amend, extend or alter the coverage afforded <br />by the policies listed thereon. <br /> <br />ACORD 25 (2001/08) <br /> <br />2012 <br /> <br />JANIO'05 ptJ 3:07 PUR <br /> <br />