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gym : Laurar zinger At: R V Johnson Insurance FaxID: To: Dorette VWlliams Date: 10/112006 10:40 AM Page: 3 of <br /> IMPORTANT <br /> If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed . A statement <br /> on this certificate does not confer rights to the certificate holder 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 certificate <br /> holder in 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 it <br /> affirmatively or negatively amend, extend or alter the coverage afforded by the policies listed thereon <br /> kCORD 25 (2001/08) <br />