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IMPORTANT <br />If the certificate holder is an ADDITIONAL BJSURED, the policy(ies) must be endorsed. A statement <br />on this certifica[e does not confer rights [o the certifica[e holder in lieu of such endorsement(s). <br />If SUBROGATION IS WANED, subject [o 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 N lieu of such endorsement(s). <br />DISCLAIlI7ER <br />The Certifica[e of Nsurance on the reverse side of this form does not constitute a contract be[ween <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 (7/9'7)2 of 2 #516119 /M16024 <br />