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Important Terms and Condition Information

Welcome to www.humana.com, the Web site for Humana Inc. Please take a moment to read through this Online Services Agreement before proceeding. This Agreement contains the terms and conditions you agree to when you use our Web site. YOU MUST CLICK ON "I ACKNOWLEDGE" AT THE BOTTOM OF THIS SCREEN IN ORDER TO PROCEED.

PLEASE READ THIS AGREEMENT CAREFULLY BEFORE ACCESSING OR USING THE SERVICE. BY ACCESSING OR USING THE SERVICE, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OUTLINED BELOW. ALL TRANSACTIONS CONDUCTED ON THE WEB CARRY FULL LEGAL AUTHORITY AND SCOPE DICTATED BY LAW FOR PAPER TRANSACTIONS. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS AND CONDITIONS, YOU MAY NOT ACCESS OR USE THE SERVICE

This Agreement will be governed and construed in accordance with the laws of the Commonwealth of Kentucky applicable to agreements made and to be performed in Kentucky.

Humana Inc. may modify this agreement at any time, and such modifications will be effective immediately upon either posting of the modified agreement on this Web site or notifying You. You agree to review the agreement periodically to be aware of such modifications and Your continued access or use of the Service will be deemed Your conclusive acceptance of the modified agreement.

Agreement with Humana

This agreement is between you ("I", "Me", "My", "You", or "Your") and Humana Inc. ("Humana"), the provider of the online information, transaction services and communication services. During the period in which I (User) am provided with authorized access to information of Humana Health Plans and subsidiaries and affiliates of Humana, I agree to the following provisions:

Information Systems Disclosure (Includes all affiliates of Humana):

1. Humana, by itself or through an agent, may deny access to its information systems to anyone at any time, with or without cause.
2. Humana reserves the right to access, read, copy, delete and disclose Humana information. Humana reserves the right to inspect any and all files stored or transmitted by Humana or by Me when using the Service.
3. I will not use Humana's Internet facilities and computing resources in a manner which may violate the laws and regulations of the United States or any other nation, or the laws and regulations of any State, City, Province or other jurisdiction in any fashion.
4. I will maintain in strictest confidence and will not use or disclose any information of Humana or its managed and/or contracted entities, including, but not limited to, insured, plan, member, client, patient, enrollee, claim or medical information or any information of Humana's mainframe or computing environment.
5. The use of passwords or PINs created by Me in using the Service does not create a right of privacy for Me. Passwords and PINs are designed to minimize unauthorized access. I will keep My password or PIN, created to access the Service, strictly confidential. Passwords and PINs should be memorized and not shared with anyone at any time for any reason. If My password or PIN is accidentally revealed, I can generate a new password or PIN at any time.
6. I may print a copy of the information contained on this Web site for my personal use only. I may not reproduce or distribute the text or graphics to others or substantially copy the information on My own server, or link to this Web site, without prior written permission of Humana.
7. If I become aware of or suspect fraudulent activity or any other activity that threatens the security of Humana's Information Systems, I will immediately report the activity to Humana.

Consent to Electronic Transactions

I, the User, and Humana acknowledge and agree that any and all transactions performed during the term of this Agreement that are conducted through the utilization of electronic transactions and verified by the use of electronic signatures are binding as stated by law. I understand that My consent, when issued electronically by use of My unique identifiers or passwords, bears the same legal authority as My written signature and is binding as stated by law.

I will be bound by this Agreement throughout the term of such Agreement. I may request that this Agreement be terminated and that Humana default to providing paper access to services by submitting an address, phone number and contact name for distribution of paper forms, as needed, to my Humana representative.

I may obtain a paper copy of any electronic transaction by printing the internet screens on which such information is present. Some types of information will be provided automatically in paper form. Examples of paper forms include any notice of cancellation of policies or termination of coverage and any information pertaining to an appeal of a denied claim or adverse benefit decision.

I and Humana acknowledge and agree that all transactions conducted electronically bear the same legal authority as paper documents with written signatures and are binding as stated by law. Types of electronically conducted transactions include, but are not limited to activity related to:

• Eligibility, Benefits and ID Cards
• Certificates, Plan Summaries, Policies
• Enrollment
• Quoting, Billing, Commissions

I and Humana agree that certain minimum hardware and software must be present in order to conduct transactions electronically. To view the necessary requirements, click here.

I may terminate this Agreement should I be unable to communicate electronically under these or any new technical requirements.

I understand that Humana cannot and does not guarantee or warrant that any files which may be available for downloading through the Service will be free of computer viruses or other code that manifests contaminating or destructive properties. I am responsible for implementing sufficient procedures and checkpoints to satisfy My particular requirements for accuracy of data input and output, and for maintaining a means external to the Service for the reconstruction of any lost data.

Humana:

• Does not assume any responsibility or risk for My use of the service.
• Does not make any express or implied warranties, representations or endorsements whatsoever (including, without limitation, warranties of title or noninfringement or fitness for a particular purpose) with regard to the service, or any information or service provided through the service or on the Internet generally, and will not be liable for any cost or damage arising either directly or indirectly from My use of the service.
• Does not warrant the accuracy, completeness, timeliness, or usefulness of any information, opinions, advice, services, merchandise or any other information provided through the service or on the Internet generally.
• Is not responsible for any changes that may be required by My Internet Service Provider.
• Will in no event be liable to Me or anyone else for any decision made or action taken by Me or anyone else in reliance upon the information provided through the service.
• Will under no circumstances and under no legal theory, tort, contract, or otherwise, be liable to Me or any other person for any indirect, special, incidental, or consequential damages or losses of any character whatsoever with regard to the service.

Privacy Policy Any information You submit through the Service or while using the Service, and any information collected about Your use of the Service by Humana, will be subject to Humana's Privacy Policy. Please note, however, that all information you submit or disclose while using the Service will be provided to Humana. You specifically consent to this disclosure to Humana when you click the "I Agree" button below and/or when You use the Service.

For More Information:

The Humana Inc. Web site is maintained by Humana Inc., 500 W. Main Street, Louisville, KY 40202