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RAYMHOM-oi CADE <br /> IMPORTANT <br /> If the certificate holder is an ADDITIONAL INSURED,the policy(les)must be endorsed.A statement <br /> on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). <br /> If SUBROGATION 1S 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 /> affirmatively or negatively amend,extend or alter the coverage afforded by the policithe issuing insurer(s),authorized representative or producer,and the certificate holder, nor does It <br /> es listed thereon. <br /> ACORD 25(2001108) <br />