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MAY-27-2003 09 : 27 HARBOR INSURANCE AGENCY 772 460 2315 P . 03/03 <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 /> The information contained in this transmission is client privileged and confidential, or considered confidential under <br /> state/federal statutes or regulations. It is intended only for the use of the individual or entity named above. If the reader of <br /> this message is not the intended recipient, you are hereby notified that any dissemination, distribution or copy of this <br /> communication is strictly prohibited If you received this message Jn error, please immediately notify us by the telephone <br /> and return the original message to us at our address via the United Stales Postal Service. Thank you. <br /> ACORD 25 (2001108) <br /> TOTAL P . 03 <br />