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If <br />the certificate holder <br />is an ADDITIONAL <br />INSURED, the <br />policy(ies) must be <br />endorsed. A statement <br />on <br />this certificate does <br />not confer rights to <br />the certificate <br />holder in lieu of such <br />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 <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(s), authorized 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-S (2001108) 2 of 2 #S272976/M259366 <br />