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IMPORTANT <br />If the certificate holder is an ADDITIONAL INSURED, the polbAies must be endorsed- A sWemerrt <br />on this certificate does not confer rights to the cedfficate holder in lieu of such endorsement(s). <br />If SUBROGATION IS WAIVED, submit to the terms and oonditions of the policy, oertein policies may <br />require an endorsement. A statement on this certffo to dog not confer rights to the certfficate <br />folder in lieu of such endomernent s . <br />DISCLAIMER <br />The Gertffioette of Insurance on the reverse side of this form doesnot oonstitute a contra been <br />the issuing insurer( s), aufth ed representative or pro Mkt er, and the cerfificate holed r, nor does it <br />af' rrnatively or negatively amend, e)dend or after the coverage afforded by the policies 11 ted thereon_ <br />D <br />