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ar.,23. 2004-10 26AM-INS CENTER-NARBOR INSURANCE No•8040-P. <br />IMPORTANT <br />IT the certifipte holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. A statement <br />on this ceRificale 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 CeRificete 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 after the coverage afforded by the polices listed thereon. <br />~~e~ 3~~ <br />~coao se (zoovoet <br />