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25 <br />.,: =, <br />If the certificate holder is on ADDITIONAL INSURED, the polieytiesl must be endorsed. A statement <br />on this certificate does not confer rights to the certficate holler In lieu 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 cert ificate <br />holder in lieu of such endorsement(e). <br />DISCLAIMER <br />The Certificate of insurance on the reverse side of this form does not constitute a contract between <br />the issuing insurers 'l, authorized representative or producer, and the certificate holder, nor does it <br />affirmatively or negatively amend, extend or alter the coverage afforded by the policies listed thereon. <br />� f <br />e <br />i - <br />