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