13. GENERAL PROVISIONS · a fair adjustment of premium will be made, subject to the "Limit of Premium Refunds" section; and · the actual facts will decide whether, and in what amount, and for what duration insurance is valid under the Policy. NON-PARTICIPATING Does the Policy participate in dividends? The Policy is non-participating and will not share in any profits or surplus earnings of Sun Life Assurance Company of Canada, and, therefore, no dividends are payable. PREMIUM PAYMENTS AS EVIDENCE OF INSURANCE Does the payment of premiums guarantee coverage under the Policy? The receipt of premiums by us is not a guarantee of insurance. Eligibility for benefits will be determined at the time of claim submission and in order to receive a benefit under the Policy, all Policy requirements must be satisfied. If we determine that you, your Spouse or Dependent Child are not eligible for coverage, you should contact your Employer regarding the refund of premiums due, if any. REIMBURSEMENT What if a benefit is underpaid or overpaid? Reimbursement will be made to us for any overpayments that we may make due to any reason. You must repay us within 60 days unless we agree to a longer time period. Deductions may be made from future benefit payments to recover any such overpayments. If we have underpaid a benefit for any reason, we will make a lump sum payment for that amount. Interest does not accrue on any underpaid or overpaid benefit unless required under the applicable law. STATEMENTS Are statements warranties? In the absence of fraud, all statements made in any application are considered representations and not warranties. No representation by you in enrolling for insurance under the Policy will be used to reduce or deny a claim unless a copy of your Written application for insurance is or has been given to you, your beneficiary, if any, or your estate representative. TIME PERIODS What time periods apply to this Certificate? For the purpose of effective dates and termination dates under this Certificate, all days begin at 12:00 midnight and end at 11:59:59 PM at the Policyholder’s location. 16-SD-C-01 Page39