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IMPORTANT <br />If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. A statement on this <br />certificate does not confer rights to the certificate holder in lieu of such endorsement(s). <br />If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require <br />an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of <br />such endorsement(s). <br />DISCLAIMER <br />This Certificate of Insurance does not constitute a contract between the issuing insurer(s), authorized <br />representative or producer, and the certificate holder, nor does it affirmatively or negatively amend, <br />extend or alterthe coverage afforded by the policies listed thereon. <br />ACORD 25 (2009/01) <br />