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IMPORTANT <br />if the certificate holder is an ADDITIONAL INSURED, the policy(es) must be endorsed. A statement <br />on this 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 conditlorus of the policy, certain poles may <br />require an endorsement A statement on this certificate does not confer rights to the certificate <br />holder in lieu of such endorsement(s). <br />DISCLAIMER <br />The Certificate of insurance on the reverse side of this form does not constitute a contract between <br />the issuing insurer($), authorrced 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 />ACORD 25 (2001108) <br />