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OAKRENE-01 MORL <br />IMPORTANT <br />If the certficate holder is an ADDITIONAL INSURED, the policy(ies) 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 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 certfcate <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 contrail between <br />the issuing insurer(s), authorized representative or producer, and the certfcate holder, nor does it <br />affirmatively or negatively amend, eMend or after the coverage afforded by the policies listed thereon. <br />