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IMPORTANT <br /> If the certificate holder is an ADDITIONAL INSURED,the policy(ies)must be endorsed.A statment 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 <br /> require an endorsement.A statement on this certificate does not confer rights to the certificate holder in lieu <br /> of such endorsement(s). <br /> DISCLAIMER <br /> The Certificate of Insurance on the reverse side of this form does not constitute a contract between the <br /> issuing Insurer(s),authorized representative or producer,and the certificate holder,nor does it affirmatively <br /> or negatively amend,extend or alter the coverage afforded by the policies listed thereon. <br /> ACORD 25(2001/08) <br />