diff --git a/index.html b/index.html
index 070c3f4..6e50728 100644
--- a/index.html
+++ b/index.html
@@ -672,7 +672,7 @@ <h4>OAuth 2.0</h4>
       <h3>Service Instances</h3>
       <p>
 Service configuration MAY be determined by administrators on per instance basis.
-Instance configuration MAY include, but is not limited to, credential format, key options, credential status mechanisms or credential templates.
+Instance configuration MAY include, but is not limited to, credential format, key options, credential status mechanisms, and/or credential templates.
 Administrators SHOULD configure service instances such that `options` included in client requests cannot result in incorrect action or problematic responses by the service.
       </p>
       <p>