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Investors should consider carefully information contained in the prospectus, including investment objectives, risks, trading policies, charges and expenses. You can request a prospectus by calling Schwab Participant Services at 1-800-724-7526 (en Español, call 1-877-905-2553). You may also request a prospectus at www.schwab.com/workplace. Please read the prospectus carefully before investing.

6 Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed-income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications and other factors.

7 Small cap funds are subject to greater volatility than those in other asset categories.

8 International investments are subject to additional risks such as currency fluctuation, political instability and the potential for illiquid markets.

9 If you hold investments in the Humana Common Stock or Common Stock Fund, you should be aware that there is a risk to holding substantial portions of your assets in the securities of any one company, as individual securities tend to have wider price fluctuations, up and down, in shorter periods of time than investments in diversified funds. As with any other investment in the Plan, Humana does not guarantee the performance of the investment in Humana Stock Fund stock.
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