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JUNf"27-2ooe 16:34 HRH of Tennessee, Inc. P.03 <br />r <br />IMPORTANT <br />If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. A statement on this <br />certificate does not confer rights to the certificate holder is 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 certificate holder in <br />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 the <br />issuing insurer(s), authorized representative or producer, and the certificate holder, nor does it affirmatively <br />or negatively amend, extend or alter the coverage afforded by the policies listed thereon.