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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 <br />in lieu of such endorsement(s). <br />If SUBROGATION IS WAIVED, 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 <br />contract between the issuing insurer(s), authorized representative or producer, and the <br />certificate holder, nor does it affirmatively or negatively amend, extend or alter the <br />coverage afforded by the policies listed thereon. <br />