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IMPORTANT <br />!f the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. A statement <br />an this certificate does not confer rights to the certificate holder in lieu of such endorsements}, - <br />if SUBROC~,ATION 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 constitufe a contract between the issuing insurer(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 />ACORb 28 (2008101) <br />