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If the certificate holder is an ADDITIONAL INSURED, the polley(ies) must be endorsed. A statement <br />on this certificate does not confer rights to the certificate holder in lieu of such endorserrent(s), <br />if SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certair poticies may <br />require an endorsement. A statement on this certificate does not confer rights to the certificate holder <br />in lieu of such endrosement(s). <br />DISCLAIMER <br />The Certificate 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, nnr does it <br />affirmatively or negatively amend, extend or alter the coverage afforded by the polcies listed thereon. <br />