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<br /> IMPORTANT <br /> If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endors ed. A st atement <br /> on this ce ficate does not confer rights to the certificate holder in lieu of such endor sement( s). <br /> If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, cer tain poll ies may <br /> require an endorsement. A statement on this certificate does not confer rights o the c rtificate <br /> holder in li u of such endorsement(s). <br /> DISCLAIMER <br /> The Certifi ate of Insurance on the reverse side of this form does not constitute a ontract etween <br /> the issuing insurer(s), authorized representative or producer, and the certificate h der, n does it <br /> affirmativel or negatively amend, extend or alter the coverage afforded by the policie <br />i <br />i <br />i <br />i <br />i <br />i <br />li s listed hereon. <br />ACORD 25 (2001108)