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IMPORTANT <br />If the certificate holder is an ADDITIONAL INSUR , the policy ies must be endorsed. A statement <br />on this certificate does not confer rights to the certificate holder in lieu of such endorsements. <br />If S B R OGATI 0 N IS WAIVE , subiect to the terms and conditions of the policy, certain policies rnay <br />require an endorsement. A statement on this certificate does not confer rights to the certificate <br />holder in lieu of such endorsernent s . <br />DISCLAIMER <br />This Certificate of Insurance does not constitute a contract between the issuing insurer(s), authorized <br />representative or producer, a rid the certificate holder, nor does it affirrm tively or negatively amend, <br />extend or alter the coverage afforded by the policies listed thereon. <br />o R a 2 (2009101) <br />