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<br />IMPORTANT <br /> <br />If the certifrcate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. A statement <br />on this certifrcate does not confer rights to the certifrcate 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 certifrcate does not confer rights to the certifrcate <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 (2001/08) <br />