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IMPORTANT <br />If the certificate holder Is an ADDITIONAL INSURED, the pollcy(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 certificate <br />holder In lieu of such endorsement(s). <br />DISCLAIMER <br />The Cerllficate of Insurance on the reverse side of this form does not constitute a contract between <br />the Issuing insurer(s), authorized representative or producer, and the certificate holder, nor does It <br />affirmatively or negatively amend, extend or alter the coverage afforded by the policies listM thereon: <br />9 of I AQg9'4R1/M770R0 <br />