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IMPORTANT <br />it the certificate holder is an ADDITIONAL INSURED, the policy(res) must be endorsed. A statement <br />on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). <br />It 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 center rights to the certificate <br />holder in ho: of such endorsement(s). <br />DISCLAIMER <br />The Certificate of Insurance on the reverse side of this form does nor constitute a contract between <br />the issuing insurer(s). authorized representative nr producer, and the certificate hdtler, net does it <br />affirmatively or negatively amend, extend or alter the coverage afforded by the policies listed thereon. <br />ACORD 25-S (7/97) created at www.e CrrtsONLINE.com <br />