1. The Worldwide Emergency Assistance Benefits are provided by a third-party service provider, Europ Assistance Hong Kong Limited (“EAHK”). The benefit is not guaranteed to be renewable. Sun Life are not responsible for any act, negligence or failure to act on the part of the designated third-party service provider. Sun Life will not be liable for any loss or damage, costs or other expenses whatsoever and howsoever, directly or indirectly, caused by, arising from or in connection with the services.