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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 /> ACORD MS (2001 /08) 2 of 3 #S199600/M24 <br />