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IMPORTANT <br />If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. A <br />statement on this certificate does not confer rights to the certificate holder in lieu of such <br />endorsement (s). <br />If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain <br />policies may require an endorsement. A statement on this certificate does not confer rights to <br />the certificate holder in lieu of such endorsement(s). <br />DISCLAIMER <br />The Certificate of Insurance on the reverse side of this form does not constitute a contract <br />between the issuing insureds), authorized representative or producer, and the certificate <br />holder, nor does it affirmatively or negatively amend, extend or after the coverage afforded by <br />the policies listed thereon,. <br />