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IMPORTANT <br /> If tie certificate holder is an ADDITIONAL INSURED , the policy( ies) must be endorsed . A statement <br /> on this certificate does nct ccnfer rights to the certificate holder in lieu of such endorsement(s) . <br /> 1° SUBROGATION IS WAIVED , subject to the terms and conditicrs of the policy , cartain policies may <br /> require an endorsement . A statement or 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 nsurer(s) , authorized representative or producer; and the certificate holder , nor does it <br /> affirmatively or negatively amend , extend or after the coverage afforded by the policies listed thereon . <br /> ACORD 25 (2001108) <br />