The highlights of the Humana Retirement Savings Plan are intended only as a brief overview of the Plan's key features and do not constitute a legally binding document. For additional information about the HRSP, please refer to The Summary Plan Description, available on HOWIE. A copy of the Plan Document is also available upon request.
Charles Schwab is not registered as a broker-dealer in Canada and is relying upon an exemption from the broker-dealer registration requirement to act as a broker-dealer. Therefore, Charles Schwab and its agents are not subject to the full regulatory requirements otherwise applicable under Canadian securities legislation.

Schwab Retirement Plan Services, Inc. provides recordkeeping and related services with respect to retirement plans and has provided this communication to you as part of the recordkeeping services it provides to the Plan. Trust and custody services are provided by Charles Schwab Bank.
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