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IMPORTANT <br />If the certificate 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 />It SUBROGATION IS WAIVED, subject to the farms 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 Certificate of insurance on thereverse 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 policies listed thereon. <br />