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IMPORTANT <br />If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be <br />endorsed. A statement on this certificate does not confer rights to the certificate holder in <br />lieu of such endorsement(s). <br />If SUBROGATION IS WANED, subject to the terms and conditions of the policy, <br />certain policies may require an endorsement. A statement on this certificate does not <br />confer rights to the certificate 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 <br />between the issuing insurer(s), authorized representative or producer, and the certificate <br />holder, nor does it affirmatively or negatively amend, extend or alter the coverage <br />afforded by the policies listed thereon. <br />