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IMPORTANT <br />If the certificate holder Is an ADDITIONAL INSURED, the pollcy(tes) must be endorsed. A statement <br />on this certificate does not confer rights to the certificate holder In Ileu of such endorsement(s). <br />If SUBROGATION IS 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 certificate _ <br />holder In lieu of such endorsement(s). <br />DISCLAIMER <br />This Certificate of Insurance does not constitute a contract between the Issuing insurar(s), authorized <br />representative or producer, and the certificate holder, nor does It affirmatively or negatively amend, <br />extend or alter the coverage afforded by the policies listed thereon. <br />ACORD <br />