IT ineCerlITlcaie nower IS an AIJLJH KJNAL INOUKtU, ine poiicy(Ies) MUST De enaorsea. A siaiemeni . <br />on this 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 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 />ACORD.25 (. <br />/08) . <br />