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IMPORTANT <br /> If the certificate holder is an ADDITIONAL INSURED , the policy( ies ) must be endorsed . A statement <br /> 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 <br /> endorsement . A statement on this certificate does not confer rights to the certificate holder <br /> in lieu of such <br /> 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 <br /> insurer( s ) , authorized representative or producer , and the certificate holder , nor does it affirmatively or negatively <br /> amend , extend or alter the coverage afforded by the policies listed thereon . <br /> ACORD 25 ( 2001108) Page 2of2 <br /> INS025 (o1oB) OBa <br />