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IMPORTANT <br />ff 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 feu of such endorsernent(s} <br />If SUBROGATION M 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 certificals <br />holder in lieu of such endorsoment(s). <br />DISCLAIMER <br />The Certificate of Insurance on the reverse side of this form does nat constitute a contract between <br />the Issuing insurer(s), authorized representative or producer, and the certificate folder, nor does it <br />affirmatively or negatively emend, extend or attar the coverage afforded by the policies listed thereon. <br />