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, 1 <br /> IMPORTANT <br /> If the certificate holder is an ADDITIONAL INSURED , the policy(ies) must be endorsed . A statement 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 require an . <br /> endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu <br /> 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 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 (2001/08) <br /> Page 2 of 2 <br /> INS025 (oioa�.oaa <br />